Finding meals and snacks that kids want to eat isn’t always the easiest endeavor. Most kids have their list of favorite foods, and the standard kid-friendly cuisine typically features not-so-healthy choices like hot dogs, pizza, chicken nuggets and macaroni and cheese. Nutritious foods like lean meats, fruits, veggies, whole grains and dairy are important to help keep bodies strong and healthy.According to HealthyChildren.org, children should eat two or three servings each day of both fruits and vegetables, aim for between a whopping six to 11 grain servings each day and include two to three servings of dairy and meats too! But how many parents are following these recommendations? And just how many kids are getting the nutrition they need every single day? According toHealth.gov’s Dietary Guidelines 2015-2020, “about three-fourths of the population has an eating pattern that is low in vegetables, fruits, dairy, and oils.” For parents that want to encourage their children to eat healthier as the New Year rolls in, little changes can make a big difference for picky palates. This year, help your children hit all their daily recommended dietary needs by filling their plates with nutrient rich foods to fuel their growth and please their taste buds. Integrate these superfoods into your daily menus to pack a punch of vitamins and minerals that kids need to stay strong and feel their best. BlueberriesBlueberries are a fun food choice, because their small size and soft texture are easy for little hands to grasp. They’re also super healthy and are a good source of vitamin C. Be warned, though, small berries aren’t appropriate for babies and toddlersas they pose a choking hazard. Some berries can be tart, and the pucker power might keep kids from loving the taste. But making blueberries a favorite requires serving them up the right way. Turn these berries into a sweet snack with these fun hacks: Yogurt for DippingServe blueberries with a small cup of yogurt for dipping to sweeten the tartness. When choosing yogurt, opt for brands without added sugar or artificial sweeteners. Many dairies even make yogurts formulated for toddlers. Cheese, PleaseCream cheese also may be used as a dip alternative. You can spread cream cheese on whole wheat crackers and add berries on top. Whole grains, dairy and fruit…three out of four groups accomplished! Peanut Butter BoatsIf your child has a peanut or tree nut allergy, then choose sunflower butter instead! Make peanut-butter boats by slicing a banana lengthwise, spreading each half with peanut butter, then adding blueberries as the ‘passengers.’ The sweetness of the banana mixed with the savory peanut butter takes the bite out of the berry! And kids will love this easy-to-eat snack. AvocadosAdults love their avocado toast and guacamole, but how do you get kids to eat this smooth spreadable and yummy healthy fat and protein-packed fruit? When kids see ‘green,’ they may turn away. So make this awesome superfood more palatable by pairing it with other tasty treats. Avocado ParfaitRemember, avocados are fruit so you can pair them with other fruits!California Avocados has a recipe for a parfait that pairs avocados and tropical fruit. You can use whatever fruit your child loves—mangoes, papaya or maybe even pineapple. Alternate layers of fruit and yogurt (the site recommends Vanilla Greek but opt for one you know your kids will eat). Avocado Grilled CheeseGrilled cheese is a kid staple, but you can make your child’s a favorite sandwich a bit healthier by adding in some avocado and maybe even slices of tomato. Fruit SaladIf you’re serving up fruit salad for a snack, dice up some avocado, too! Those green avocados will add some healthy fat to a daily dose of fruit. EggsEggs are an excellent source of protein. Some kids either love them or hate them, though. Make them irresistible with these hacks: Cheesy EggsScramble eggs with cheese to change up the flavor and make breakfast more fun. You can serve cheesy eggs as a sandwich with whole grain toast, or just plate those eggs. Eggs in a MuffinHealthy microwave muffin recipes typically call for a pop of protein: eggs! If your child won’t eat eggs as is or scrambled, mix them into muffin batter that you can microwave in a mug.One of the healthier muffin recipes just calls for mixing about ¼ cup of oats (or flour), an egg, a splash of milk (use traditional dairy, almond or soy), and some fruit (any fruit!). Add in a tablespoon of nut or sun butter for protein. Pop it in the microwave for about a minute. SpinachMore green! Spinach often gets a bad rep from kids; it’s leafy and green…and notoriously healthy! While your kids might want to turn their noses up at this leafy superfood, they still benefit from all the vitamins and nutrients. So, add it into their diet, but be stealthy! Make sure you wash spinach thoroughly and be sure to take note of any produce recalls. Power SmoothieMix spinach into a smoothie to give kids a punch of this superfood on the down-low. Spinach is loadedwith B vitamins, potassium and other vitamins and nutrients. You can mix spinach with bananas and strawberries for a fruity breakfast smoothie. Everyone has their own preference as to whether to use frozen yogurt or ice (with regular yogurt), but the recipe works either way. Spaghetti SaucePuree spinach and stir the veggie into a favorite pasta sauce. This ensures kids get their leafy veggie, but you don’t have to fuss at them to eat it! SaladPssst, don’t tell your child that the lettuce in that sweet salad is spinach! Mix spinach with romaine lettuce and add in sliced strawberries, nuts and apples for a decadent dinner salad. Top with raspberry or strawberry dressing. KaleOne of the buzziest superfoods of the last few years was—and is—kale. This veggie ispacked with Folate, and Vitamin A, Vitamin C and Vitamin K. Like spinach, though, kale is leafy and not necessarily a kid favorite. This veggie screams healthy…and it is. But it’s also tasty. Kale ChipsMaking kale chips is so easy. Cut up your kale, drizzle with olive oil and sprinkle with a dash of salt. Bake in the oven for a crisp and healthy snack. The full recipe can be foundover at Food Network. Kale ApplesauceYes, you can make applesauce in a slow cooker. And that sauce is even healthier if you add kale! Use about a three pound bag of apples for a larger batch, and mix in as much or as little kale as you’d like. Cut up apples into tiny pieces and slice up your kale. Throw the mix into the slow cooker and add about ½ cup of water. Sprinkle the pieces with cinnamon and cook for about 4 hours on high or 8 hours on low. PumpkinPumpkin is one sweet gourd, and it’s also a holiday and festive fall favorite. Pumpkin can be mixed into so many recipes and snacks for a sweet and healthy snack.According to Health.com, pumpkins are filled with beta carotene and vitamin K. Pumpkin OatmealMix in a tablespoon or two of canned pumpkin with instant oatmeal. To sweeten it up, add a little brown sugar and sprinkle cinnamon and nutmeg on top. Pumpkin PancakesHaving breakfast for dinner? Whole Grain pancakes can be mixed with pumpkin for a special seasonal taste. Add in apples, too, for a heartier pancake mix. Pumpkin Mac & CheeseWhipping up some mac and cheese? Stir in a few tablespoons of pumpkin to add in some hidden vitamins. There are many variations on this recipe, but you can even try it for that typical in-the-box staple! Greek YogurtGreek yogurt tends to taste more bitter than traditional yogurt varieties, but Greek yogurt is higher in protein. If your child has an aversion to new tastes, mixing this yogurt into smoothies and parfaits takes the bite out of the bitterness! Dark Chocolate Greek Yogurt ShakeBlend yogurt, ice, banana, a splash of milk and little bit of dark cocoa powder for a sweet dessert that’s also healthy. Powerful ParfaitMake a breakfast parfait by layering vanilla or regular Greek yogurt with fruit and granola. You also can grab your child’s favorite breakfast cereal and add it to the mix. Greek yogurt tastes great with chocolate puffs, fruity cereals or even simple corn puffs. Frozen YogurtMix your favorite flavor of Greek yogurt with fruit or jam, and place in a freezer safe container. Stick it in the freezer to firm up and enjoy easy frozen yogurt. Top with granola, nuts or maybe even sprinkles. QuinoaThis is a super grain that’s also high in protein. Quinoa can be baked into muffins, pancakes or even made as a hot cereal. You also can serve it up as a savory side cooked in broth. But for kids, opt for the sweeter side of quinoa. Hot CerealInstead of oatmeal or other hot cereals, serve quinoa. Martha Stewart’s recipe calls for mixing this grain with two cups of hot milk. Boil the milk, then add a cup of quinoa. You can mix in maple syrup, cinnamon, fruit…whatever your child likes. Crumbles for Parfaits or YogurtUse the above recipe to also create a quinoa crumble to add into yogurt or parfaits. Sloppy…Quinoa?Delish features a meatless Sloppy Joe’s recipe that subs in quinoa! This is one sneaky and tasty way to give kids a daily dose of grains and protein! Many parents find that their children favor certain foods that might not satisfy all their nutritional needs. It’s common for kids to love the same foods, but it’s also important to vary their diet so that they are exposed to all the vitamins and minerals needed for growth and good health. Superfoods are super because they are chock full of vitamins and nutrients that fuel the body; everyone can benefit from these foods, especially kids. But not all superfoods may appeal to younger and more discerning palates. Parents can mix these healthy fruits, veggies, proteins and dairy options with other ingredients to create kid-friendly recipes that make these superfoods taste even better. Food battles are winless, so don’t fight them. Instead create meals that are healthy, fun to eat, tasty and infused with superfood treasures! The post Kid Superfoods: How to Improve Your Family’s Diet in The New Year appeared first on 1(800) Car-Title®. from https://www.1800cartitleloan.com/blog/kid-superfoods-how-to-improve-your-familys-diet-in-the-new-year/
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All parents want to make solid decisions with their finances. Unfortunately, it can be easy to make money mistakes that have serious impacts on your family. Understanding these mistakes can help you avoid them or fix them if they’ve already occurred. Check out these common money mistakes parents make to find out how you can get your finances back in order. Make sure to avoid these common mistakes parents make with money. Going All Out with Baby PurchasesNew parents often don’t know how much to spend to get ready for their first child. You’ll likely need:
While you’re stocking up on the essentials, it can be tempting to buy all the newest gadgets. In truth, new parents can get by without a lot of the baby gear they see. You might not need to purchase:
For more detailed information about the important items you need to purchase for your baby, check out our other article here. You can avoid the mistake of paying thousands of dollars too much for baby gear by checking out second-hand stores and sticking to the essentials. Overspending on KidsParents want their children to have the very best. Unfortunately, you can end up falling into a financial trap by trying to satisfy your children’s every want. Spoiling children can have a negative effect on the behavior of children. In fact, experts in child behavior say that spoiling a child is often a precursor to children having issues with peers, teachers, and employers as they get older. You can also hurt your monthly budget by purchasing the newest and shiniest gadgets for your children. Focus on what children need, with a few extras thrown in throughout the year, to limit the impact of this money mistake. You could also check out local consignment stores to get kids toys at reasonable prices. There are also online consignment shops, like swap.com, that allow you a wider selection. You can even re-sell your children’s once-loved toys in these stores. Trying to Live Beyond Their MeansIt’s easy for parents to fixate on a certain idea of what their life should look like. Parents can get swept up in wanting to take their children on the nicest vacations. It’s easy to overextend your budget while trying to secure the ‘best’ for your family. You can resolve this money mistake by sticking to your budget, regardless of what other parents around you are doing. Don’t risk the high-interest rates associated with credit card debt by trying to push past the limits of your financial means. Not Following a BudgetA budget helps you handle expected bills while also setting money aside to deal with unexpected expenses. Professional financial planners advise parents to work from a written budget, instead of allowing their income to go to waste. Working from a budget can ensure that your money goes towards: · Emergency Savings · Retirement Savings · College Savings You can sit down with your partner to hammer out a budget today. There are many free online tools that can help you figure out your budget, including sites like: · Mint If you have a large amount of outstanding debt, you might consider refinancing it with a loan, so you only have to worry about one monthly payment on your budget. Mismanaging Financial PrioritiesParents can have a difficult time deciding how they should utilize their savings. It can seem logical and straightforward to put your savings into college funds for your children, especially as tuition rates go up around the country. However, putting all your savings into a college fund often works against you in the long run. You need to focus on saving for your retirement through an IRA plan or a 401k. Remember, your children may be able to allay the costs of college with: · Loans · Scholarships You need to ensure you have money set aside so you can retire and enjoy your golden years. You can speak with your employer about setting up a retirement fund to handle this common mistake parents make with money. You can even set up a retirement fund if you are self-employed, or if you don’t want to set up a retirement fund through your employer for any other reason. You have many options for personal retirement funds, including: Not Setting Up an Emergency FundMany parents fail to prioritize their savings properly. This can lead to a serious money mistake that many people only recognize after an emergency. All parents should focus on setting up an emergency fund to cover: · Emergency Medical Bills · Emergency Car Repairs · Emergency Trips You can factor an emergency fund into your monthly budget to quickly correct this money mistake. You don’t have to save an incredibly large amount every month. Start small and, before you know it, your emergency fund will be in good condition. Financial experts even recommend automating the emergency fund saving process. Set up your banking account to automatically put money in your emergency fund to take some of the stress out of this process. Failing to Carry Enough Life InsuranceNo parent wants to imagine being torn away from their family, but accidents and unexpected illnesses can strike without warning. Parents that do not carry enough life insurance can leave their children in dire circumstances. Generally, your children and family might need 10 times your yearly income to: · Pay Bills · Handle Debt · Cover College You can go over your insurance policy to make sure it is sufficient to take care of this common money mistake. Neglecting Your Child’s Financial EducationYour children need to learn about financial literacy, just like they need to learn reading, writing, and arithmetic. Parents who don’t invest time in their children’s financial education can end up causing serious problems down the road. All children should be taught how to: · Balance a Checkbook · Write a Check · Budget Their Monthly Bills · Save Money Avoid this financial mistake by talking about money with your children regularly. Before you know it, they’ll be financial experts, ready to handle their own bills and budget. Click here to read more information on ways to get kids excited about responsible money management. Demonstrating Poor Financial BehaviorSpending time teaching your children about the best ways to handle their financial decisions is important. Your children will also build their financial knowledge by watching how you treat your budget and bills. Parents who rely on their credit cards, run up their debt, and don’t use a budget are setting an example for their children to follow. Children who grow up without watching their parents carefully plan for purchases and set aside money often mimic these behaviors once they’re living on their own. You can correct this money mistake by buckling down and focusing on demonstrating sound financial decision making in your day-to-day life. Include your partner in your financial discussions and you can show your children how to master their finances now. You Can Put Mistakes Parents Make with Money Behind YouMany parents fall into common money mistakes because they’re busy trying to provide the best possible life for their children. It’s easy to make these mistakes as you work to pay bills, support your family, and save for the future. Fortunately, you can square these mistakes away and move forward with your life on financially sound footing. Sit down with your partner and hammer out a monthly budget, making room for: · Retirement Savings · An Emergency Fund · Life Insurance · College Savings Demonstrate good financial behavior for your children and soon these money mistakes will just be a distant memory. The post The Most Common Mistakes Parents Make With Money appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/the-most-common-mistakes-parents-make/
The best way to save money is to form a budget. If your new year’s resolution is to sock away some cash, constructing a budget for the year is a good place to start. A budget helps you visualize the money that’s coming in and out of your everyday life and plan ahead to reduce the chances of financial trouble. Below are five tips for budgeting for the new year that will keep you on track with your finances. List your income and expenses On a piece of paper or the computer, make two columns. On the left side, write down all of your expenses for the year. This includes your rent or mortgage, all of your bills, child care, […]
from http://carolinacashfast.com/blog/5-steps-toward-successful-budgeting-new-year/ Atlanta is rooted in southern history. The state capital of Georgia, Atlanta is home to nearly half a million residents. This is the city of the Falcons and the Braves, a former home to the Olympic Games, the headquarters to Coca-Cola and CNN, and underneath all the hustle flows a warm hospitality for which the south is renowned. Hip hop influences infuse the city with vibrancy, the food is pure comfort and soul, and there are so many activities for kids and adults that you’ll need at least a weekend to do and see everything. To list every must-see site in Atlanta is impossible, because this city is so expansive, and the venues are so diverse. Discovering Atlanta is a treasure hunt, and each time you visit you’ll probably find something new. Let’s look at the more unique offerings that this city offers as well as a few of the most popular venues. Ready to explore Atlanta? Here’s your insider’s guide to Atlanta Georgia! Museums Atlanta has an amazing variety of museums and cultural venues. You might not be able to explore them all during one visit, but that gives you an excuse to plan another trip! Here’s the insider’s guide to Atlanta Georgia if you love history and educational experiences! This is a must-see for families. Hands-on exhibits make this museum so much fun for kids of all ages. Play pretend in a grocery store, explore the Earth from the crust to the core, or paint an amazing work of art! Map out your visit to get the full experience of this popular museum. Purchase tickets online for a discounted price! Just don’t plan your trip for Wednesday—the aquarium’s closed! Clown fish, dolphins, jellyfish, sea lions, beluga whales and so many more sea and freshwater dwellers call this aquarium their home. The multitude of exhibits will keep you busy for hours. Want a more personalized experience? For an extra cost, visitors also can swim with whale sharks, get up close with penguins and even have a sleepover in the aquarium. “Early Bird” online ticket prices are $30.95 per person (free admission for kids who are 2 years old and younger). See the aquarium’s web site for more ticket info and pricing details. Fernbank Museum of Natural History Dinosaurs unleashed! The Fernbank includes the exhibit “Giants of the Mesozoic,” which pits the hunter against the hunted. But what makes this museum really fun and exciting for kids is the expansive nature walk, and, yes, there are exhibits on that trek! They can explore the exhibit “Wild Huts and Hollows” and take photos among the unique sculptures. Adult ticket prices (13-64) are $27, seniors and kids (12 to age 3) receive discounted admission. Members’ tickets are just $8. Atlanta is home to one of the country’s favorite beverages! See how the that beverage gets into the bottle, take a picture with the famous Coca-Cola Polar Bear, learn all about Coca-Cola history and check out all the cool memorabilia. This is a can’t miss site for kids and adults! Admission is $17 for adults, but kids and seniors receive discounts. Littler ones—2 years and younger—are free! Martin Luther King, Jr. National Historic Park This is one of the most important sites to visit in Atlanta. You can visit his birthplace (tours are limited, though), see the “I Have a Dream” World Peace Rose Garden and The King Center. There is also a visitor’s center and other historic sites, including Fire Station No. 6 and the Historic Ebenezer Baptist Church. The Behold monument was dedicated to the memory of Dr. King and was unveiled in 1990. SCAD FASH Museum of Fashion and Film Celebrating “fashion as a universal language, garments as important conduits of identity, and film as an immersive and memorable medium,” this museum features exhibits showcasing couture of the cinema and prestigious designers including Karl Lagerfeld and Tom Ford. Tickets are $10 for adults and discounts are offered to seniors and military members, SCAD alumni, and students. Families can also purchase a discounted group admission. Ages 14 and younger are free! The Jimmy Carter Presidential Library & Museum Tour the museum to see documents, photographs, a re-creation of the Oval Office and more as you learn about the 39th President of the United States. Ticket prices are $8 for adults, but discounted rates are available for seniors, military and students (with a valid ID). Younger visitors (16 and under) receive free admission. Parks & Outdoor Rec Atlanta is home to many great parks and outdoor recreational sites for kids and adults. Here are some of the best places to visit when you want to get out and enjoy the natural beauty of this city! Atlanta served as the host city of the 1996 Olympic Games, and Centennial Olympic Park serves as a reminder of the games (and the history!). Kids can play in the fountains, and parents can enjoy the Fountain of Rings show. The park also hosts events and music festivals. Kirkwood Urban Forest Community Garden Curbed listed this site on its “10 Parks, Secret Gardens and Green Spaces in Atlanta.” Walk along the trails, sit beside the pond, or just enjoy the soothing flow of the creek. Atlanta BeltLine This is a massive outdoor space of trails and activity. According to Atlanta.net, the BeltLine “is comprised of 22 miles of unused railroad tracks circling the core of the city’s in-town neighborhoods.” Yes, you can bring pets—but clean-up after them. Enjoy artwork, exercising and bring your skateboard…because there is a skate park. The BeltLine also runs along some amazing restaurants. Pair the outdoors with animals! Zoo Atlanta is home to many animals including elephants, alligators, lions, tortoises, lemurs, zebras, pandas and more! Kids will love seeing all their favorite furry friends! Spend the day with the animals and make memories! Adult admission is $22.99 (or $25.99 at the gate), kids, seniors and college students (at the gate!) receive discounts. Military members and toddlers (2 and younger) are free! If you’re looking for amusement park excitement, then make a stop at Six Flags. Ride the coasters, enjoy the thrill rides or just opt for a lazy drive on antique cars. There is a kid’s section for younger visitors. And lots of food, shows and treats! If you’re a Six Flags Season Pass holder, you can get in free (but still must pay to park). Ticket prices vary, as promotions may be available online (so head to the web site first!). Buckhead isn’t a park, but it is a major shopping district and destination in Atlanta. Buckhead encompasses six blocks that feature upscale shopping and numerous restaurants. You don’t have to spend money to enjoy the experience, though. Just take a stroll and window shop. Or pop into a café for a cup of coffee. Southern Comfort Food! Atlanta is southern hospitality at its best—and that includes the food! While it’s impossible to list every great restaurant in this city, here are some of the city’s best bets. Here is the insider’s guide to Atlanta Georgia for your tummy! This is a historic locale! The Varsity offers hamburgers, chili dogs, chili burgers, fries and more! And you can’t leave without ordering an Orange Shake. The Varsity has been an Atlanta staple for 90 years, so it’s a must-stop eatery! Bones is one of Atlanta’s top steakhouses. Don’t like steak? Order seafood instead! But this is one restaurant you need to visit, even if it is a splurge! Make reservations in advance…just to be sure you can secure a table. There is something on the menu for everyone at Eats. Try jerk chicken, lasagna, barbecue chicken and more. Don’t forget the sweet tea…and mac and cheese! And all the options are affordable—a meat and three veggie dinner is less than $10. The food that makes the heart and soul so happy! Step into southern comfort food heaven! Big Daddy’s serves up the classics: fried chicken, meatloaf, fried pork chops, baked turkey and dressing and so much more. But don’t forget the side dishes! Collard greens, black-eyed peas, yam soufflé, candied yams, mashed potatoes, and, of course, macaroni and cheese and many veggies, too. Want dessert? Big Daddy’s has cobbler, cakes and even banana pudding. A dessert option is a must. Sugar Shack has every kind of sweet treat you could want, and, in the fall, the Sweet Potato cupcake is on the menu. Brownies, cookies, truffles, breads, cheesecakes, carrot cake, whoopie pies and more. Oh, and the Shack has a whole menu of tea options. So, choose the tea that best suits your sweet treat. Atlanta is filled with historic sites, unique museums and fantastic outdoor locales. The hustle and bustle of this major city combined with its southern charm and hospitality make it a popular destination. Check out some of the major hot spots like the aquarium, Zoo Atlanta and, of course, the World of Coca-Cola. But nestled in this city are historic sites that cannot be overlooked like the Jimmy Carter Presidential Library and Museum and Martin Luther King, Jr. National Historic Park. Head outdoors to Centennial Park and play in the fountain or enjoy the rollercoasters and rides at Six Flags. But no trip to Atlanta is complete without sweet tea and comfort food! Grab lunch at The Varsity and enjoy the traditional food of the south at Big Daddy’s Southern Cuisine. Just don’t forget dessert, but good luck selecting just one type of cobbler, pie or cake! Hope you enjoyed our insider’s guide to Atlanta Georgia. The post An Insider’s Guide to Atlanta Georgia appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/an-insiders-guide-to-atlanta-georgia/ More than half a million people call the city of Tucson, Arizona home. This desert city is the perfect southwestern destination when you’re on the hunt for unique sites, great food, and budget-friendly entertainment. Tucson has been the backdrop for hundreds of movies and television productions, but it also boasts “350 days of sunshine!” This sunny city offers milder temperatures from Mid-fall (October) and into early spring (April), but when summer hits Arizona, the thermostat gets serious—the average temps in Tucson for June and July hit 99 degrees! In Tucson, though, both hot and cold converge–from spicy foods to cool and cold caves–and no matter if the temps rise or fall, there’s still sites to explore, new food to taste and lots of fun to enjoy! So what are the must-see sites and scenes in Tucson? Here’s your insider guide to Tuscon, AZ. Museums Every city has its own unique museums. And Tucson is home to several must-see sites. Whether you want to gaze upon art, learn more about the state’s history or check out tiny treasures of miniature displays, there is a museum that will make your Tucson visit top-notch. Admission prices vary, so plan your budget accordingly. Check out more than 400 different species in dioramas of their natural habitats at this museum, which focuses on wildlife appreciation and education. Hands-on exhibits add to the exploration. Tickets cost $10 for adults and $5 for kids (ages 4 to 12). Discount admission also is available for seniors and military. This is the ideal museum for the aircraft enthusiast. Check out exhibits featuring a variety of aircraft on display and take a guided tour of the 80-acre site. You also can visit the “Aircraft Boneyard,” but reservations must be made 10 business days in advance. Admission prices range from $10 (kids 5 to 12) to $16.50 for adults. Two-day tickets also are available, and discount admissions also are provided for seniors, Pima County residents and groups (more than 20 individuals). Tucson Museum of Art & Historic Block The Tucson Museum of Art & Historic Block features art collections spanning numerous continents, influences and time periods. Different events also are held throughout the year, including a Holiday Artisans Market in November. Admission prices range from $12 for adults to $7 for students (with a valid ID). Kids under age 12 (and veterans and museum members, too!) receive free admission, and seniors also receive discounted admission. This museum is a must-see for families with a desire to learn more about this Arizona’s rich history. This museum also houses artifacts from Geronimo and Wyatt Earp, and visitors also can view firearms and Spanish Colonial silver. Kids and adults also can explore a mining tunnel and an exhibit (hands-on!) of 1870’s Tucson. Admission prices range from $10 for adults to $4 for kids 7-17. Younger children, veterans and Arizona Historical Society members receive free admission. Adult students also receive a discount. The Mini Time Machine Museum of Miniatures Looking for a unique museum? Check out the vast collection of miniatures that are on display at the Tucson Museum of Miniatures. So what types of tiny treasures will you find here? The museum’s “Enchanted Realm” features fairy castles, woodland friends…and even teeny tiny witches! There also are antique and historical miniatures. You also can view tiny treasures from different countries. The standard admission price is $9 per person, but seniors, children and military members receive discounted admission. Children who are 3 years old or younger receive free admission. Get Outdoors! Tucson is a prime destination for hiking and exploring the outdoors. There are numerous parks, trails and outdoor retreats that are perfect for families. However, some of the trails areas are better suited for more experienced hikers. When you want to hit the trails, climb a mountain or just enjoy the outdoors, here are the best locations in Tucson. Explore the cave via a guided tour. Or just hit the trails for a bike ride or a hike. This popular destination also features a petting zoo and butterfly exhibit that the kids will love! Admission prices are $18 for adults, $9 for those ages 5 to 12. Military members and their children receive discount admission, and younger children (4 and under) get in for free. Ostriches are too cute! Visit these tall birds at the Rooster Cogburn Ostrich Ranch (located outside of Tucson in Picacho). Visitors also can feed deer, Nigerian Dwarf Goats, ducks and more! The ranch also features Stingray Bay, an interactive stingray exhibit! Visit all the animals and be sure to snap lots of photos! There are two packages available for visitors priced at $10 and $13. Kids younger than 6, though, get free admission (although feed costs extra). Explore the old ways of the Wild West in the city of Old Tucson, this may be our most historical stop in our guide to Tuscon, AZ. Enjoy stunt shows, BBQ, antique car rides, a carousel, or hop on the train for a ride through this old town city. In Old Tucson, you are truly stepping into the movies, because this city was the site for hundreds of movie and television productions. Operation times may change through the year, so visit the site before you plan to visit. Explore the flowers, trees and plants at the Tucson Botanical Garden. Exhibits include a Backyard Bird Garden, a Pollinator Garden, a miniature garden railway, a children’s area and more. Stroll at your leisure and take in all the beauty or choose a guided tour. Admission is $15 for adults, $8 for kids (4-17) and discounted admission for seniors, military and students. Garden members and younger children (3 and under) are free! Hike Seven Falls and see the seven waterfalls that dot the area. According to Arizona Hiker’s Guide, the difficulty level of this hike is considered moderate. However, the trail is NOT pet-friendly, so do not bring your furry friend! The total hike is more than eight miles, and the price is $5 per day. Get your heart pumping! According to Tucsontopia, Tumamoc Hill is quite a hit of cardio. What makes this hike so major? Tucsontopia states that while the path is only a mile and a half, it slopes 600 feet. So get your climb on! The best part? It’s completely free! The Taste of Tucson After all those museums and hikes, you’ll need to re-energize with some great local food. So where do you go when you want your taste buds to be oh so happy in Tucson? Here are the top-rated restaurants that won’t drain your bank account. Rated as one of the city’s best low-cost dining spots by TripAdvisor, Tucson Tamale Company specializes in–you guessed it—tamales! And for $7.89 for a two-tamale meal (two sides plus a salsa bar…yummm!), you can’t really go wrong! The restaurant also offers burritos, quesadillas, nachos and more! Want to feed the family? Order the family platter for $29.99. Breakfast burritos, tacos, nachos, enchiladas tortilla soup…the menu goes on and on. Maybe this is the reason why the restaurant’s tagline reads: “It’s hard not to be addicted to this place.” Yes, you can even order cheeseburgers and sandwiches…in case the kids are in mood for the old standards. Looking for gourmet tacos that are a little different from the rest? Try Boca Tacos. The Poached Egg taco features ribeye steak and it’s less than $5. Want something from the sea? Try an octopus taco! Yes, there’s even dessert…and spirits, too! Pin-Up Pastries Street Kitchen & Desserts When you want sweet and decadent, you need a place that specializes in dessert. Pin-Up Pastries offers cupcakes, cookies, brownies, sundaes, and so much more! The only problem? Choosing one sweet treat! Pin-Up won Tucson’s Best Dessert Favorite in 2018 and 2015. And, yes, they also have a food truck! Tucson is a family-friendly destination that offers many options for entertainment, outdoor exploration and, of course, food! While admission prices vary for museums, if you choose one or two of these destinations, you can still stay on budget. Tucson also is one of the best places to go for those who love hiking. This city is home to many parks and trails, although difficulty level varies. Be sure to research trails to find the one that is perfect for your family—some may be too difficult for kids. However, there are many outdoor exploration sites that are kid-friendly. Visit the botanical garden, explore a cave, feed the ostriches or go back in the past at the Wild West of Old Tucson. When you’ve run out all that energy, head to a local eatery to discover all the tastes of Tucson. Of course, you should delve into all the flavors of the southwest! But don’t forget dessert! Whether you choose baked goods, ice cream or maybe even something unique, there is something decadent to satiate every sweet tooth! While the temperatures may vary between seasons, the fun never stops in Tucson. This is, after all, a city that offers sunshine 350 days out of the year. So get happy, embrace the sun, the weather and the fun that is the city of Tucson. We hope you enjoyed our guide to Tuscon, AZ, and we hope you have a great time on your trip! The post An Insider’s Guide to Tuscon, AZ appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/an-insiders-guide-to-tuscon-az/ There are so many costs that drive up your car expenses. And when it comes to our cars, most of these costs we can’t control. Yes, you can find coupons for lower-priced oil changes. There are even apps to help us find the best prices on gasoline, but, ultimately, many of us are subject to variable oil prices, mechanic costs, car payments and the insurance bill. However, while it’s true that you need mechanics for major repairs, difficult mechanical issues and safety concerns, there are some repairs that you can do by yourself. These easy fixes can save you a decent amount of money each month! If you are hands-on and feel confident, get ready to DIY! Here are 10+ repairs, fixes and improvements that don’t require a mechanic: However, if you drove over a nail and punctured the tread, then you might be in luck. The tread of the tire is the part that can be repaired—if the damage isn’t too major. And for small holes and basic tread puncture wounds, you may even be able to tackle this issue on your own. So what do you need? And how much is it going to cost? Auto repair stores usually sell a tire repair kit for around $7. These kits typically include tools, glue and plugs that fill the hole. Before you take on this repair, read all the directions on the kit first. After the repair, check to make sure that the leak is resolved. Use your tire gauge to measure the tire pressure Total Savings: According to Repair Pal, the cost associated with labor for this fix is around $39 to $51. So that DIY fix can save you the price of a tank or two of gas! Total Savings: The price of oil varies, and, if you need a top off, you will probably only save a few dollars doing it yourself. However, some oil change stores may actually top off your oil for free if you had your last oil change at that establishment. Total Savings: At auto parts stores, air filters can range from $10 and up (depending on your make/model). And there may be many different price points and brands that fit your vehicle. How much you save depends on what brands you choose. But if you go to a mechanic, Repair Pal states that the added labor might add around $29 to $38 to your bill. Total Savings: According to Insurance.com, “a single stage enamel paint” can cost anywhere from a few hundred dollars to $1,000 to fix properly. But serious scratch repair will cost thousands! So if you can do this yourself, you could save a LOT of money. Total Savings: According to Car Service Costs, labor may run you between $30 to $50. But the store may also install it for free. Check into free install before you DIY. Total Savings: Depending on the price of the mechanic, you’ll at least save money on the hourly labor costs. This varies per shop, but it definitely adds up. Weatherstripping at the auto parts stores vary in price from around $25 and up. You also may need extra tools, too. Total Savings: Angie’s List looked at prices from three Chicago businesses, and the prices for windshield repair “ranged from $70 to $115 to $238 to repair the same nickel-sized windshield chip.” But a repair kit can be found for less than $10. Although you may prefer a higher priced kit. Total Savings: Mobil notes that this DIY repair will cost you between $150 to $200 (for leather repair), but a full reupholstery will cost much much more. Reupholstering a leather seat will cost about $350. Total Savings: Auto Service Costs estimates that you may spend between $139 to more than $300 for this fix (that includes parts and labor). Some jobs may be more intense, and the site notes that mechanics may have to disassemble certain areas of the door in order to complete the fix (this might not be true for all vehicles, though). But, regardless, your savings for DIY is still significant if the replacement isn’t too difficult. Total Savings: Antifreeze can cost $10 and up (depending on the type you need). So this isn’t an expensive DIY fix. But if your car is leaking antifreeze, take it in ASAP! You may need more significant repairs. Don’t just rely on a top-off! Total Savings: Fuel additives vary from a few dollars and up. But talk to an auto pro to decide which one to use for your vehicle. Your car is expensive to own. Monthly payments, fuel costs, repairs and, of course, the cost of insurance all hit the budget hard. While many car repairs and adjustments require the skill of a trained mechanic, there are many repairs you can do yourself. Repairing punctured tire treads, adding oil, fixing scratches, adding more coolant and even putting new weather stripping in the doors are all easy updates that can save you money and time at the repair shop. When you do your own repairs, you automatically save on pricey labor costs. And the money you save can be stashed away to pay for more expensive repairs in the future, because, unfortunately, every car needs an expensive fix sooner or later. The post 20+ Car Fixes You Don’t Need a Mechanic For appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/20-car-fixes-you-dont-need-a-mechanic-for/ When shopping for gifts, there is often a correlation in our minds that cost equates to meaning. That is, the more expensive the gift, the better it is. No one wants to appear cheap, but holiday shopping also shouldn’t put you deeper into debt especially if your household is already struggling. According to Gallup, this year’s estimated total for that entire gift list will be $885. Spending almost $1,000 on gifts is a serious expense. For many families, that amount of money is the price of several car payments, a mortgage payment, or food for the month. If your bank account cannot take this hit, you’re not alone. December is the time of year when credit cards rack up serious charges, and you can probably guess why. Nerdwallet conducted its own holiday shopping report and found that 73 percent of respondents are planning to pay for their gifts on plastic. Yes, those gifts are on credit. Nerdwallet’s report also revealed that more than 39 million Americans haven’t paid off the charges from last year’s shopping list. Holiday shopping isn’t worth racking up debt or putting your financial situation in peril. Instead, buy what you can afford and opt for a thrifty holiday season. You can shop on a budget and still grab some amazing gifts for everyone on your list. But you do have to shop smart and know how to hunt for a bargain! Here’s a a thrifty give-giving guide. Budget What You SpendBefore you even head out to the store, review your finances and figure out exactly how much you can spend. Don’t look at your credit card for funding! This is all about how much you have in your pocket to spend on gifts. So what if you don’t have any money? You can consider taking on a part-time job to earn a little cash. You may even investigate your closet to see if you can sell items on consignment to earn some spending money. Another option is to make presents. Bake cookies or other yummy desserts. Or have kids draw or paint pictures for grandparents and then frame them (there are many nice frames at thrift stores!). Get creative! If your budget allows you to purchase presents without going into debt, here are a few ways to keep your spending on target while still buying great gifts. Holiday Shopping for the KidsIf you have children, the holidays are probably a huge deal. So how do you find inexpensive gifts for kids? Here are a few shopping tips: Toys • Shop online to find the best prices on the hottest toys. Major retailers should be your go-to online destinations–especially Walmart. But Amazon and even Overstock.com are great places to find low prices on items, too. At Amazon, look at all the sellers’ prices and compare their ratings. Some sellers offer used products for a fraction of the price! • Check out stores like Dollar General, Half of Half and Five Below. Sometimes toys that don’t sell might be sent to these stores. You will always find low-priced items at these stores, and sometimes toys that you didn’t expect to discover at such rock-bottom prices. At Five Below, everything is priced at $5 and less. So you can go in knowing exactly how much you can plan to spend. Half of Half marks prices at half of half of retail. • Review weekly ads to uncover sales at local stores and find the best prices. • Consider less expensive options to big name dolls—many department stores sell similar items at a much lower price than the popular brand. For example, Target and Walmart have a doll that is similar to a popular top-seller. Choosing Target’s “Our Generation” doll could save you more than $60. • Are you good at DIY? Make your own dollhouse or furniture. Savings Bottom Line: Your total savings depends on the site and the item. But, if you’re especially savvy (buying used, at deep discounts, choosing store brands for dolls and opting for DIY), you may be able to cut your spending in half. Major sporting goods retailers also offer seasonal sales or provide coupons to sports organizations or leagues (you could inquire about coupons through your league). Savings Bottom Line: Typically coupons through leagues may give you a specific dollar amount off a total purchase (like $10 off $30). Or a percentage off the total amount spent. Used sporting goods stores will allow you to purchase equipment at the fraction of the new item. Savings Bottom Line: Hunting the kids’ rack at a thrift store uncovered a dri-fit shirt by a major sports brand for only $6. Typically, dri-fit shirts for these brands cost around $20. And if that tag color is on sale, you could snag it for even cheaper. Savings vary, but if you’re buying used, you can save about 70 percent. • Order gift baskets of fruit, candy or chocolates. You can typically choose your price range for baskets. • Make your own basket filled with goodies, candles, ornaments, etc. Each basket can be filled with items made specifically for each person. Buy baskets from a dollar store or the thrift store (they usually have LOTS). You also may find quirky mugs thrifting or other knick knacks and treasures. • Create a photo album and fill it with amazing memories. Write your own captions for a personal touch. Many online sites allow you to create and order an album for a nominal cost. • You also can make a scrapbook with trinkets, mementos, pictures and captions. If you love scrapbooking, this is a great gift idea! You don’t have to spend a fortune on your page details, either. Find cute stickers at dollar stores and paper, too. You can thrift fabric for a unique detail to frame photos. Old magazines also can be the source of fun fonts and cut out inspirations. • Do you sew or quilt? Knit a blanket, design a quilt or sew holiday pajamas for everyone! • Music is memories. Remember the mix tape of yore? Create a personalized playlist for a family member. Buy songs the person loves—or that remind you of that individual—and gift that music! Savings Bottom Line: Baskets at thrift stores vary in price, but you’ll likely save at least half price when compared buying new at the store (the typical price is about $6). While blanket yarn costs about $7, a pre-made cuddly blanket costs much more (about $15 and up)…depending on the store. And creating your own scrapbook only costs as much as your supplies–budget about $12 for the actual book, though. How much you decide to spend on decorating the book is up to you. • Shop online craft stores on Etsy to find personalized or hand-crafted jewelry at various price points. One sweet gift is an orb pendant that holds a fluffy dandelion seed; this whimsical necklace can be found in many different styles and prices at Etsy. Many are less than $20. • If s/he loves a special fragrance, opt for a smaller size or purchase a roller ball. Many cosmetics stores also offer gift sets at a great price. Ulta and Sephora also sell boxed sets of small-size fragrances. • Create a coupon book filled with redeemable experiences. You can find printable coupons online. Or make your own with cardstock or colorful paper. • Cook a romantic dinner or plan a night of romance. Savings Bottom Line: Diamonds will cost hundreds or even thousands. But opting for less expensive charm necklaces only calls for a budget of around $20. Full-size perfumes–depending on the brand–are priced around $15 (at bare minimum for non-luxury brands. But gift sets allow you to try multiple fragrances for around $24 (for a trio of mini sprays). Makeup gift sets also allow you to try different products for a bundled price. Thrifty Presents for the BFF • Write a meaningful ‘thank you’ letter celebrating your friendship. • Gift a book your friend will love! Thrift it for–typically–less than $1! • Is it a bromance? Buy some unique craft beer, spirits or maybe even gourmet coffee (whatever his thing may be). Savings Bottom Line: Besties don’t require a huge budget. Take your friend out to lunch or just for coffee. Thrift a book for $1. Or buy him a sampling of beer or spirits that fit your price range. And, even better, a handwritten thank you is free (and so meaningful!). While many families charge their holiday purchases to their credit cards, don’t dig yourself deeper into a debt trap in the name of merriment. Instead, look at your finances and find out exactly how much you can spend on those holiday gifts. If you are completely unable to afford holiday presents, consider taking a seasonal part-time job or maybe sell items that you don’t need at a consignment store. Of course, DIY holiday gifts also are an inexpensive item that also come from the heart. Bake up some goodies, have kids paint pictures for grandparents or knit, sew or craft a unique gift. If your budget allows you to shop for those presents, be sure to look at all the options to find sales and the lowest prices on presents. Always check online for rock-bottom prices, and review ads from local retailers. When you need to buy gifts on a budget, though, creativity is the key. Not every item needs to come from a major store. Thrift stores, consignment stores, and even estate sales can be amazing resources for one-of-a-kind or must-have items. No matter how much you spend or what you purchase for friends and family, remember it’s the meaning of the gift that really counts. The season isn’t about spending…it’s about giving. Gifts come in all price-points, but the presents that hold sentimental value are almost always the ones we cherish the most. The post Thrifty Gift-Giving Guide-Shopping for the Whole Family appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/thrifty-gift-giving-guide-shopping-for-the-whole-family/ Your car is an asset, but it’s also a tool you can utilize when you might need extra cash. While your automobile might cost you money each month because of car payments, maintenance, and gas, you also can put those wheels to good use to help offset loan payments and vehicle upkeep…and you might even be able to clear some additional spending/investment income. So just how much money can you make with your car? The amount of money you can make using your vehicle depends on what options you choose. However, you may be able to infuse your finances with a few hundred to possibly a few thousand dollars. Ready to start your engine and help boost that bank account? Here are all the ways that car owners can drive off with more money each month. Rideshare Programs: Become a Driver Lyft and Uber are two of the most popular rideshare companies that allow car owners to make more money picking up passengers. To be a rideshare driver for these companies, there are certain requirements like automobile size (four door) and driver’s license stipulations (you need three years of driving experience if you’re under a certain age). You want to make sure you have enough automobile insurance to cover your increased liability. Ridesharing turns your car into a business, so talk to your insurance company about additional rideshare coverage; you also may want to investigate insurance options offered by the rideshare companies. And never pick up your first passenger without ensuring that you’re properly insured! After your insurance is squared away, you need to figure out what company you plan to affiliate your rideshare business. Look into all the options before you choose your business affiliation. There may be additional (albeit smaller) companies in your area, so vet each company to find your best fit. Before you pick up passengers, make sure that your car is clean and orderly. This is your business, so you want to make a great impression. Plus, your customers will rate your service—so appearances matter! Always be kind and courteous. And be sure you become familiar with your city and all its areas; timeliness and knowledge of the area also may contribute to your success as a driver! So how much can you make? This really depends on how often you drive and how many passengers you can take. Some drivers only work weekends; others work a few hours a day. Your schedule can be determined by you, and this affects your income via the business. Each city has it’s own rhythms, some areas may be more profitable to drive in depending on the time. Experiment with various hours in your local area to discover what works best for you.According to Uber, drivers also can earn more by tips and special promotions. Just make sure you keep track of ALL your earnings for tax purposes. Making Deliveries Don’t want the hassle of driving passengers? You also may want to work as a delivery driver for a courier service or even a restaurant. If you decide to work as a courier, you may be considered an independent contractor. Each business also may have a different pay structure—some may pay per delivery plus mileage, others might do it differently. Before you sign on the dotted line, though, be sure to read the entire contract you sign with the company. You need to understand the payment structure and your responsibilities—including your liabilities. Talk to your insurance provider about any additional coverage you may need as a courier; you may even need to invest in business insurance. If you are designated as an independent contractor, you also will need to pay your own taxes (state and federal) as these will not be withheld from your paycheck (remember that independent contractors typically pay quarterly taxes). Driving for a restaurant, though, may be another quick and easy way to make more money. Typically, delivery drivers are employees (not always, though!) and will earn an hourly wage. But you also may receive tips from customers. Working as a delivery driver may help you earn a little extra income during the weekend or in the evening hours. Like most drive-centric careers, talk to your insurance provider to see if you need any additional coverage. Mystery Shopper Do you love to shop? You can make money being a ‘mystery shopper’ and get paid for going to stores and restaurants. Typically, mystery shoppers are paid a flat fee per job plus reimbursed a set amount for purchases. Or you may be told to return the item (as this may be another aspect of the shop experience). Businesses use mystery shoppers to gauge how their employees handle certain situations. Shoppers may be instructed to ask specific questions or note if certain questions are asked of them. Sometimes a shopping experience is about customer service, other times it might be used to ensure that employees are following company policies. The amount you make depends on how much the shopping job pays. Some pay more but also may involve more time from the shopper. Others might pay a small rate but allow the shopper to finish quickly. After each job, a shopper also will write up their experiences. Having access to a car is important, as you may have to commute miles from your home. Money from Scrap Some cars are just not drivable. Maybe the repairs are just too costly relative to the value of the car and, financially, it doesn’t make sense to fix the car. Or your vehicle can’t meet state requirements to pass inspection. Chances are, that old car still has some good parts left to it! At the very bare minimum, you can make money off the metal of your car! When you have a car that you can’t drive, consider selling the car to a scrapyard. According to the site Junk Car Medics, you may be able to score about $100 (and more…depending on the car) on the scrap metal of your car. You also may sell used parts online, but this can be an ordeal; those parts need to work and you need to know how to price them. If you’re looking for quick cash, you may be better off selling the car to a junkyard. Advertise Have you seen a car on the road that is covered in advertisements? The owner might own one of those companies, but those companies also could be paying for car advertisement. Yes, your vehicle can be used as a mobile ad for local companies. This typically involves wrapping the car, adding decals, etc. Companies like Carvertise allow car owners to become mobile billboards. If you commute a lot, this opportunity may be a great way to earn money. So how much can you make? Carvertise states on its site that its “standard payment rate is $100/month.” Still, though, if you qualify, it’s $100 for just driving your car! Car Title Loans If you’re in an urgent need of cash, and you don’t have time for another side job, you also could use your car as collateral for a car title loan. This loan allows you to borrow money from your car’s resale value to help pay bills, make repairs, etc. A title loan uses the equity in your car to back the loan value, and the lender will place a lien on your car’s title. Once the loan is paid off, though, the lien is removed. How much you can borrow depends on the value of your car, your ability to repay, state regulations and lender stipulations. Of course, the age, make/model, condition and mileage also affect the loan amount. Talk to a lender if you have questions about the value of your vehicle and how it affects your loan amount. While good credit leads to lower interest rates for these loans, those with poor credit also may qualify—although the interest rate will reflect the credit risk of the applicant. Sell that Car! If you have a second vehicle, and you need to make money now, you also may decide to sell a vehicle. Some individuals list their vehicles for sale online. If you decide to sell it yourself, you need to know how high to price your car. Use Kelley Blue Book to help determine value and look at the prices of your car’s make/model that are in comparable condition. You also should provide a disclosure in your ad listing any problems—mechanical or otherwise. And, yes, your price should reflect those needed repairs; so don’t overcharge if it’s a ‘fixer upper!’ Be safe when selling; always have someone with you when meeting a buyer. And don’t ever meet someone in a deserted area! If you don’t want the stress of selling your car, you also could just sell to a dealer! Your car isn’t just a lifestyle asset; it’s also one of the greatest money-making tools you own! Use your car to start a rideshare business or become a delivery driver to make some more cash on the weekends or during the evening hours. But you also could pursue other side gigs that may require lots of mobility—so put that car to good use! If you love photography, consider freelancing as a photographer. Or make money as a personal assistant or a mystery shopper! Of course, not everyone has time for another job, so you also could use your vehicle as collateral for a title loan…or just sell it to a dealer! When you need extra money, though, look to your car as one of your best resources to get you moving—in your career and financially! The post How Much Money Can you Make With Your Car? appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/how-much-money-can-you-make-with-your-car/ Your car is one of your most valuable assets,but its value isn’t strictly about monetary gain. Cars decrease in resale value each year—maybe even each day. Your car’s value, though, is beyond money. Your car is your ticket to freedom and independence. For many individuals, that ride is one of life’s biggest necessities. Our automobiles get us to work, to appointments, to the grocery store. Without a car, most of us would be forced to live our lives very differently. Yet, a car can be one of our biggest expenses each month. According to AAA’s 2017 Your Driving Costs, the price of owning a small sedan (including gas, insurance,registration, etc.) is estimated to surpass $6,000 a year (or more than $500 per month). For many consumers, owning a car isn’t an option—it’s a necessity—and the price of ownership can be budget-busting. While car expenses can easily chip away at monthly income, you can try to keep ownership costs under control. Being frugal with finances, however, does not mean neglecting your ride. To ensure a car’s safety and its dependability, you must invest in routine mechanical check-ups,tire rotations, oil changes, and more. Remember, your car is an investment.While a vehicle’s monetary value might decrease, your reliance on your car remains the same and this reliance makes your car one of the most priceless possessions you own. So how do you keep maintenance and buying costs under control? Here are some tips on how to save money: Guzzling Gas The price of gas is dependent on the market value of oil. As oil prices soar, gas prices also elevate. But some areas may offer lower prices than others near you. Why? Taxes and competition may come into play. According to ExxonMobil: “A suite of federal, state, and local taxes can add any where from 30 to 70 cents per gallon to your bill….” Bankrate offers a map of taxes per state, and it’s easy to visualize how those taxes affect the prices from coast-to-coast. When you want the cheapest prices at the pump,you might need to shop around. See the price drop? You may want to top off the tank. Waiting around could mean higher prices. While you want to seek out the lowest prices for gas, you also don’t want to drive around wasting gas just to find cheap gas. To find the lowest prices in your area, use apps like Gas Buddy and/or Gas Guru. Budgeting At the Pump
Insurance Costs Driving that car on the road means you need insurance to cover your liability and your vehicle. If you don’t own your car outright, you’ll need both liability and comprehensive automotive insurance.You also should research coverage that protects you against uninsured motorists. Some policies also include other options like roadside assistance.Review all your options to find the coverage that works for you. So, what’s the difference between comprehensive coverage and liability coverage? A comprehensive policy covers your own vehicle in cases like hail, acts of vandalism,etc. A comprehensive policy will provide a financial resource to help you fix your vehicle. With comprehensive policies,you will need to select a deductible–this is the portion of the costs that remains your responsibility (it’s typically deducted from a claim payment).Lower deductibles will likely result in higher monthly premiums, while a high deductible won’t be as costly…until you need to pay for repairs (then that high deductible may really hurt). Your deductible should be a price that is manageable for you–in regards to both monthly payments and a bottom-line related to repair costs. Liability insurance covers your liability in case of an accident. This typically pays for bodily injuries, damaged property,etc. But insurance policies are different in their coverage. So how much liability coverage do you need? According to Nerdwallet,“the more you own, the more liability insurance you should have.” Why? You need to cover your assets in case of an accident. The site notes that you should total all your assets (home, car, investments, etc.) and then subtract your debts. This will show you your “net worth.” And that’s the number that will help you set the coverage needed for injuries (noted as “bodily injury”).You’ll also need coverage for property damage, etc. Look at your state regulations for liability insurance, but make sure you protect your assets.Talk to your insurance provider if you need advice on coverage. Insurance Checklist
Schedule Check-Ups Once a year, you typically head to your doctor’s office for a physical, right? (Or you try.) Taking care of your car’s health also is important. Routine check-ups ensure your car’s mechanics are on-par.Some states require yearly or biennial safety inspections, and you also should have your mechanic do a quick check-up whenever your car is in for basic maintenance–like an oil change or tire rotation. Keeping up with proper maintenance helps improve the health of your car. So what do you need to anticipate replacing, changing or updating? And when should you expect for those repairs to occur? According to Real Simple,wiper blades need to be swapped out every six months (or at least once a year).You do NOT want to be caught in a rainstorm with dull wiper blades! And that car battery? Real Simple says that the battery needs to be swapped after five years and that brake pads and accessory drive belts should be replaced after 50,000 miles. Your car’s transmission also is not to be ignored. Look to your owner’s manual to find the recommendation for changing the transmission fluid.You also may need to have the transmission flushed every 30,000 miles (or every other year, whichever comes first). There are many other items that also will need to be replaced, changed or updated; always talk to a mechanic about any services your car may need now…and in the future. You may even want to create a car calendar outlining your past services and future services so you can keep track of all those maintenance needs. Because as a car ages, things begin to wear down and break down. Don’t forget to schedule regular oil changes. Typically, you should change the oil every 3,000 miles—although some cars require less frequent changes. Always read your car’s manual to find out when you need to change the oil; different makes and models have different needs! Don’t wait until the light goes on! Between oil changes,check oil levels regularly. Some cars burn oil quicker; low oil will wreak havoc on your engine. If that level falls too low, the engine will cease! Budgeting Maintenance But, wait! Aren’t all these maintenance checks pricey? Not necessarily. Many oil change shops offer coupons if you sign up for their mailing list. As for wiper blades and batteries, you can buy those at big-box stores like Walmart. Before you buy basic parts, though, price hunt!And be sure to have a professional install items and parts (although, you should be able to pop on your own wiper blades). You should never delay or skimp on services or safety. If something needs to be fixed, repaired or replaced, fix it and don’t ever wait to schedule your appointment—safety first! When you call up local shops to schedule your service appointment, it’s ok to inquire about their rates. While you want a good price, though, don’t spend time shopping around when you need repairs. The shop availability needs to be your number one concern. Don’t assume that cheaper is better. If you like your local mechanic—but he or she is a little more expensive—stick with them…they know your car and you. Having a good relationship with your mechanic also may save you in the long run; they can advise you about when to schedule the next tune-up and give you other tips to keep your car in great shape! Interest Rates: Aim Low Do you know what really impacts the price of your car payments each month? Interest rates! If you bought your car—or are looking to buy a car—the interest rate will directly affect your monthly payment. For those with poor credit, interest rates will be higher as this affects your lending risk. But no matter what your creditworthiness, shopping around is always the best idea. You may be able to secure a loan through your dealership, but don’t say “yes” to the first offer. Instead, visit your bank or a local credit union to inquire about their loan rates. You may find that you can secure a lower interest rate elsewhere. And every percentage point helps when you’re trying to cut costs! You can even take a look at online auto loan providers. Understanding Interest Rates
Don’t Fall Flat Let’s not forget to talk about tires! You can’t go anywhere safely if those treads are worn and ragged. Replace your tires according to the manufacturer’s guidelines. But if you notice that your tires are looking worn, replace them sooner. Rotating your tires also is important to ensure equal wear. So, what is a tire rotation? This just means that the tires are repositioned depending on where your tires are most worn out. How often you rotate your tires may depend on the manufacturer. However, the general recommendation is to rotate tires about every 5,000 miles. To make it easier, just request a tire rotation at each oil change. How can you save money on rotations and tires?Some of the best tire prices may be found at big-box stores. Other businesses specialize in tires and may offer many varieties across all price points. Some shops may even offer a discount if you buy four tires at once. Just be sure to buy the type of tire your car demands; if you are unsure about what to buy, speak with a mechanic. Many stores will offer you a warranty program for “roadside hazard.” This means that for an added price, the store may provide free repairs or rotations and may even prorate your tires if you need are placement sooner rather than later. Are these programs worth the price? That depends on you. If you have a habit of hitting curbs and popping your tires,you may save money with this option. But if you know how to repair your own tires or you don’t feel like the added extra is worth it then just say no. Tire Checklist
Owning versus Leasing Do you have to own your vehicle to get the best deal? Not necessarily. One of the best ways to save money on your car is to investigate a lease option. Your monthly payments will be, typically, lower and you’ll save money on some routine car care—as it’s built into the lease. But there also is a downside to the lease option: mileage constraints. Leasing is great if you don’t put much mileage on your cars, but if you like to take road trips or if you have a long commute, leasing could be cost-prohibitive. Mileage constraints on that lease could be as low as 10,000 miles per year. And any extra miles are typically billed on a per-mile fee (and that could add up quickly!). So while the monthly payment is lower, be sure to read the mileage details and make sure you know exactly what the lease stipulates. Leasing Checklist
You need to ensure that your car remains in great shape, so budget those expenses to save a little money. Shop around for mechanics, compare prices, and decide on a car care team that will work for you. Always remember that tune-ups, new tires, tire rotations and routine maintenance also ensure your safety on the road. While it’s important to save money, you should never, ever skimp on or delay vehicle maintenance. Your safety and the safety of everyone else on the road is the most important investment. The post How To Save Money on your Monthly Car Expenses appeared first on 1(800) Car-Title®. from http://www.1800cartitleloan.com/blog/how-to-save-money-on-your-monthly-car-expenses/ |