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Additional Ways To save Money


Discounts on medical bills - Average saving vary widely

To maintain cash flow for their business, "many doctors will knock 5 or 10 percent off your bill if you pay them up front," says healthcare consultant Rocky Fredrickson. This is the result of numerous studies of the medical profession. If you are uninsured, you can get even bigger discounts ("50 percent or more," says gastroenterologist Martin Bashir) for any procedures that medical doctors and even dentists would usually bill to health plans. They will give that 50% discount because medical practitioners are used to getting less than the full price they may bill you from insurance companies. So the truth is that "The discounted rate that medical professionals give a patient is still far better than what an insurance company would pay the doctor," Bashir says. You can find out what doctors and dentists usually bill for medical services and how much insurers will pay at Be sure to negotiate the bill before your procedure in order to get help on the bill. Offer to pay the bill up front in exchange for a discounted rate.

Shop smarter for food - Average savings: up to $180 per month

If you spend a few more minutes, make a few different choices in the supermarket, and make a few different choices when eating out, you can net monthly savings ranging anywhere from $130 to $255 per month. As an example, according to data from the Department of Agriculture and Consumer Reports, the average family of four can save on its grocery bill almost $180 a month just by quickly changing to a lower-cost mix of foods. The agency constantly reviews the prices of four nutritionally balanced grocery baskets at different price points. Those being liberal, moderate-cost, low-cost, and thrifty. The liberal basket does contain more food per month than the moderate-cost one, and a greater proportion of which is pricier food like fish and beef, and more wasted leftovers. In addition, in 2006 the American family spent over 40 percent of their monthly food budget eating out. By reducing restaurant spending, say by half, you can save another $30 to $60 per month. How to do this? Just spend a few minutes to plan your menus around sales on fish, fresh poultry, meat, dairy, and produce. Always make use of leftovers. Avoid those vary expensive prepared meals. Increase your intake of low-priced, high-nutrition foods such as beans and potatoes, says the US Department of Agriculture. Shop in lower-cost stores such as Costco, Wal-Mart, Aldi Foods, PriceRite, Trader Joe's, and Sam's Club. Always be sure to compare prices. Purchase the less-expensive store brands. Always sign up for the store discount cards. Stock up on sale-priced staples. Reduce the number of times you eat out. And when eating out, take advantage of off-hour discounts and prix-fixe meals. For those big restaurant portions, eat half of the big portions in vogue today at the restaurant and just take the rest home for a next-day encore, so two meals for one.


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