How are savings as high as this possible with so little effort? By using the new coupon distribution technologies to your full advantage, each and every time you shop. You may not have heard, but there are now faster savings options available to help you spend less time clipping and sorting grocery coupons as you shop. Here are some great money savers which all take very little time:

Printable grocery coupons are fast money savers. With printable grocery coupons all you need to do is visually scan for the items you wish to purchase, print the coupons you will use and go shopping as usual. You only spend time printing and clipping what you will actually use so there is a huge time savings with using printable coupon offers. If you think you will not save very much on groceries using cents-off offers, think again. Take a look at the most recent printable Betty Crocker coupon offers this month and you will see a savings opportunity of over $20.00 without ever using a double or triple coupon. Shop in a store offering double savings and that is $40 without much time or effort.

Electronic grocery coupons are another money saver. E-grocery coupons are even faster to use. You register your store savings card, select the coupons you will use and then get your savings when you swipe your store card at the register. Nothing is faster or easier and you absolutely can not forget your coupons at home.

Saving is faster and easier than ever before. Don’t miss out on the quickest and easiest way to save ever on food!

What are the money making secrets that could make you very wealthy one day, without any risk at all? The secret is that residual income is the best way to generate a staggering amount of wealth. Creating passive revenue streams will make you very wealthy.

Why is passive or residual income the way to go for wealth generation? As you know from your investments, you only do the work once, then your money works for you from then on to generate interest, which is a form of passive income. Over time, your ability to generate passive income through your investments raises steadily throughout your work life as  your nest egg grows. Once you can live off the interest your investments make, you are financially independent and could quit your job if you chose to. Generation of passive income allows you to earn many times more than your actual salary in the course of a year, and with increased earnings comes the ability to save at a much more rapid rate.

Investments take money to get started, but there are ways to make money online for absolutely not a cent upfront.  A free residual income business is the best way to start out without any money down. If you are thinking that it is difficult to get started, it is not. All you need to do to make money is to start creating content (writing, taking digital photos or creating videos are all good options), place your content on a revenue sharing site for free, and promote your content. No rocket science, just a lot of staying the course, working everyday and knowing that the income will grow every month. Don’t miss out on one of the greatest money making opportunities ever, the Internet makes true residual income generation possible.

I will use myself as an example. Being a 35 year old bachelor, much of my social interaction is at lunch time and evenings out with friends. I will stick to lunch for this example. If I go to a non-fast food restaurant, on average I will spend roughly 12 dollars including tip. If I do this 3 times a week, that is 36 dollars. Multiply that times four weeks and  is just under $150.00. This is really a conservative number too.

You can see from the previous example how eating can really blow a whole in your bottom line. Discipline is key, but if I cut eating out to lunch to just one day a week I am saving an extra $100. a month. That could go towards savings, or paying down debt. This is just another example of how you can save money.

When you add your teenage driver to your policy, it is inevitable that your rates will increase. Girls can increase the rates by as much as 50 percent, and boys can increase your rate as high as 100 percent. Don’t let those numbers alarm you because there are ways that the cost can be decreased. The first tip is good grades! Most car insurance providers have a good grade incentive program. The GPA requirement is usually a 3.0 or higher and can decrease the cost by as little as 10 percent up to 25 percent depending on your insurance provider. Studies have shown a correlation between good grades, and good driving, so encourage your students to keep up their grades.

Tip number 2: driver’s education classes do pay off. Not all states require new drivers to take drivers education, but encouraging your teen to do so can knock another 5 to 10 percent off your insurance costs. Some insurance companies offer “Safe Driver Programs,” that teens can participate in. Once they have completed these programs through the insurance company, the insurance company deducts another 5 percent from your payments.

The car your teenager drives has a huge impact on how much you will pay for insuring them.  A lot of parents feel safer knowing their teenage is driving a car that has all the latest safety features and technology, but the truth is, the newer the car, the higher the rates. That doesn’t  mean that you have to skimp out on safety features, just means you buy an older used car that is safe, thereby decreasing the cost to insure their car. Its important to look at whether or not the cost of a newer car will be more expensive than insurance discount for safety features. Safety features such as anti-lock brakes, traction control, automatic seat belts and side-impact air bags can reduce teen car insurance rates considerably. If you do choose to buy a new car, put the car in your name, and that should help decrease the premium.  But don’t just decrease premiums, make sure you use that money to invest in things like, my purchase structured settlement by finding structured settlement brokers.

Less certain about “emergency fund”, but my wife likes the idea. With the dollar losing value every day, and interest rates so long, it seems like the wrong thing to invest in. Wouldn’t it be better dumping that money into my mortgage, or some other sort of investment (Gold is popular…)

He is correct, as an investment vehicle there are better plays out there than a savings account that will earn 3.0% to 3.5%. However, an emergency fund is NOT an investment vehicle. yes, you should keep it in an interest bearing account. Yes, it should make SOME money. However, that is not the purpose of the emergency fund. Its purpose is be liquid cash available in case you lose your job. Or if your car breaks down. It is good to get some return on what ever account you use for the fund. Just don’t get caught up in it too much for this one part of personal finance. The important part is being responsible and being prepared.

-Kevin