Car Buying Tips & Tricks to Save You Money

Let’s start with the basics. The best time to buy a car for the most part (in order) is end of year, followed by end of quarter, followed by end of month. Although there may be other sales and dealer incentives, most sales people are trying to make a quota at these times and may have a quantity incentive that makes sense for them to sell to you the car at or close to invoice. Speaking of invoice price (what the dealer paid the manufacturer), you should always be negotiating up from invoice, not down from sticker. You can find the invoice price on the car and options you are interested in at Edmunds.com.

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Personalized Father’s Day Cards for Dad

Tiny Prints is your one stop shop this Father’s Day with a great selection of customizable Father’s Day Cards. They allow you to create individual personalized cards with photos, custom text and even embedded gift cards and have cards for every father in your life from your dad, to your grandfather, father-in-law, brother and son. In a matter of seconds, you can create personalized Father’s Day Cards and have Tiny Prints mail them directly to you or the recipient. Instead of sending a generic run-of-the-mill card, search Tiny Prints for a selection of unique cards that are humorous, sentimental, show appreciation or poke fun at your Dad’s favorite hobby.

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The Golden Rule for Extended Warranties

In general, extended warranties don’t make a lot of sense. Retailers push these warranties very hard because they are their single most profitable item. Many stores even give their employees commissions on them. It’s kind of like gambling, both you and the house can’t win. Simple math will tell you the reason they are so profitable is that far more people purchase these contracts than ever use them. If you are buying a cordless phone, toaster, small appliance, etc, skip the extra $10-$15 dollars. Chances are if your item does break in a few years, you will want a new version anyway and it will be cheaper. The one exception to this rule is large ticket items such as a Plasma or LCD TV. Despite their lofty prices, these items come with pretty skimpy warranties. If you are going to shell out a few grand on a highly technical product, it may be worth a few extra hundred dollars for the piece of mind.

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Online Coupon Codes: An Easy Way to Save $$

Before you purchase anything online, go to Google and look for an online coupon, 50% of the time you will save yourself money, especially if you are purchasing from a store that does a lot of online marketing. You want to put the store name into Google followed by the words “coupon code” surrounded by quotations (i.e. “kodak gallery coupon code”). It will probably take you a few minutes to sift though the links and find the best offer that is not expired (although try expired ones too). If you want to get a little more advanced, try searching for a specific discount i.e. “overstock coupon code 30% off”. You never know, you may get lucky.

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Save Money with Credit Card Price Matching

In order encourage buyers not to “hesitate” with their major purchases, many credit card companies, most notably American Express now offer “Buyer Protection” as a card benefit. Essentially if you buy something and then find it at a lower advertised price with a specified period of time (usually 90 days), and send them a copy of an advertisement, they will mail you a check for the difference.  These programs aren’t heavily marketed, but make sure you take advantage of the feature if your card has it.  Amex has sent me checks on multiple occasions, so I know it works. The only catch is that the lower price usually has to be in a print ad, they won’t accept anything from the web.

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