How to Save Money on Airfare as Prices Keep Rising

Flying is fun. Well, maybe not as much fun as it used to be but it’s still exciting to board that big bird and jet to destinations beyond the horizon. No doubt there are more hassles now with security and tickets cost more as airlines struggle to keep their heads above the clouds of rising costs.

Airlines are cutting back on giveaways and laying off personnel. They’re also tacking on baggage fees and adding extra charges for atypical check throughs such as golf clubs and pets. Children traveling alone now pay more because they have to be watched and cared for. But, there are ways to fly smart and save if you’re creative.

Be flexible. If you can fly any carrier, any time, and almost anywhere you’ll come out dollars ahead. Don’t be choosy (assuming you have a choice) about which airline you fly. Shop, compare and buy the cheapest ticket. Airlines offer specials but check the restrictions and dates to fly. Ask about taxes and fees that can inflate the base cost.

Fly off-peak days such as Saturday and Tuesday through Thursday. Business travelers usually fill up the plane on the other days so don’t fly when they do. Stay over a weekend if possible. Don’t fly on a Monday or Friday. That’s when people are either leaving or coming home. Avoid flying on holidays for obvious reasons.

Buy your ticket in advance. We’re talking two to four months in advance. This gives the airline a chance to plan ahead on how many passengers they’ll have and how many to feed (if you’re lucky enough to get fed.)

Before you depart, check to see if there has been a reduction in the fare since you bought your ticket. If so, call and ask if they’ll offer you a refund of the difference or a travel voucher for a later flight.

Depart before sunrise or after sunset and your savings will get brighter. Sure you’d rather depart at 10AM perhaps, but get up a little earlier and catch the redeye that takes off at 3AM and pocket the savings. Besides, you’ll get to your destination earlier.

Connecting flights with layovers are usually cheaper than direct flights. Direct flights are more convenient and may get you there a little sooner but think of the fun of seeing new and different airports. You may have a long enough layover to make a quick tour of the city.

Collect air miles especially if you’re a frequent flyer with various programs offered by the airline and credit card companies. Some have partnership agreements allowing you a bigger choice on which airline to fly.  Keep track of your air miles with records and receipts as airlines have been known to lose miles. And, remember you don’t have to just fly to build air miles. Other purchases can work as well.

Pack efficiently and don’t check through luggage if possible. Utilize your carry-ons and do without luxury items that take up space. You must be decisive and make a few sacrifices but good deals are out there.

Flying is an adventure – enjoy it!

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I Confess…I Hosted a Garage Sale!

Most of you know we’ve been in the Cincinnati area for just 6 months. Our subdivision was hosting a neighborhood garage sale. In an effort to be social with our new neighbors and supportive I signed up to participate.

In the past I always donate things as soon as I determine I’m ready to part with it, therefore unwanted-clutter doesn’t build up in my house. I rummaged through the basement and closets searching for items to sell. I even begged my sisters and mom to give me items to sell so I wouldn’t have a pathetic offering. I had a couples tables set up and on the day of the garage sale I was ready to go.

My effort into the set up was minimal since I didn’t have to do any advertising and my quantity of items to sell was minimal. I shut the garage door after 90 minutes. Garage sales just aren’t my thing!!! To be honest, I wasn’t comfortable with strangers coming in and out of my garage. 90 minutes plus the time gathering items to sell, setting up and pricing the items, I made $9.50 (sigh).

Lesson learned! Garage sales are a waste of time. My time would have been better spent collecting my unwanted items, loading them in my car, driving to St. Vincent de Paul and donating the items. The great feeling of helping those in need far outweighs the $9.50. A not so gentle reminder to practice what I preach!

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The Biggest Electric-Guzzling Appliances in Your Home

Remember when the electric bill was referred to as the light bill? Those were the days when electricity was used mainly for lighting. There were few appliances to guzzle energy. You could say those were the good old days but few of us would want to do without the luxury and convenience of the appliances we rely on today.

The price we pay for this luxury comes high in the form of an electric bill that seems to get higher each month. Just look around and you’ll quickly see why. The number one energy user is the central air conditioning unit, especially if it handles the double duty of both cooling and heating. In warm regions, the AC accounts for more than half of the electric bill.

You could install window units and cool only the used areas of your home, and this is not a bad idea. But, if you’re determined to keep the central unit there are things you can do.
If your unit is over 15 years old, consider getting a new one. Today’s models use up to 50% less energy.

If a new model is in your future, make sure it’s sized properly. Consult an air conditioning expert because a unit that’s too big or too small can continue to work inefficiently. Check the energy ratings – the higher the better.

Buy a unit with a programmable thermostat that has a built-in timer. With the timer, you can turn off the AC when you’re gone and set it to restart just before you return. Studies have revealed that it’s cheaper to do this than to have it recycle on and off while you’re not even at home.

Another electric guzzler is the electric water heater tank. Tanks keep heating water 24/7/365 whether you use the water or not. Tankless water heaters are available for both electric and gas homes but do your homework before installing.

You could install a solar water heater but the expensive system may take a while to recover your investment. If you stay with the tank, turn down the temperature and wrap it in a thermal blanket. Also, turn off the tank when you’re out of town and save.

Refrigerator/freezers are both guilty of guzzling electricity, but who wants to return to the old ice box. If yours was made after 2001 it’s probably more energy efficient. If you replace an old one, buy the Energy Star label.

An appliance must exceed federal energy standards by 15% to qualify. Top freezers use less energy than the side-by-side or bottom models. Save even more energy if you can skip the ice maker and dispenser.

We can’t forget the electric dryer which uses about 15% more energy than a gas model. If gas is not an option, buy an electric dryer with a moisture sensor to avoid over drying. When clothes are dry it cuts off.

Don’t forget to clean your lint filter too. Concentrate on these biggest electric guzzlers and you’ll see a dramatic difference in your electric bill. Conservation sure beats doing without.

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Free Shred Events in Cincinnati, Ohio – April 2013

Free Shred Events through Cincinnati, Ohio in April

As you wrap-up your taxes you probably have piles of receipts and other papers you no longer need.  Cintas is sponsoring numerous FREE Shred Events throughout Cincinnati during the month of April.  Mark your calendar.  These events are a great motivation to clean out your file drawers and purge unnecessary paper that is taking up space in your home.

Not sure what to purge?  Hhere are some items you maybe ready to get rid of…

  • bank statements
  • out of date catalogs, order forms, etc.
  • credit card solicitations
  • contracts
  • cancelled checks
  • health records
  • personal ledgers
  • financial/investment statements
  • insurance records
  • owners manuals for items you no longer own
  • telephone directories
  • and more.

Take advantage of these free events near you to organize your desk, file cabinet or even your kitchen counter paper piles (we all have them, including me).

Date Begins Ends Host Address City State
4/13/2013 9:00 AM 1:00 PM Cheviot Savings Bank 3723 Glenmore Avenue Cincinnati OH
4/13/2013 9:00 AM 1:00 PM Cheviot Savings Bank 11186 Reading Road Cincinnati OH
4/20/2013 9:00 AM 1:00 PM Kemba Credit Union 8763 Union Centre Blvd West Chester OH
4/20/2013 9:00 AM 1:00 PM Kemba Credit Union 5844 Bridgetown Road Cincinnati OH
4/27/2013 7:30 AM 5:00 PM Miami Twp/Clermont County 6101 Meijer Drive Milford OH
4/27/2013 9:00 AM 12:00 PM City of Milford 745 Center Street Milford OH
5/4/2013 9:00 AM 1:00 PM Lebanon National Citizens Bank 2 North Broadway Lebanon OH
5/4/2013 9:00 AM 12:00 PM Chaco Credit Union Fairfield Community Center 411 Wessel Drive Fairfield OH
5/10/2013 11:00 AM 3:00 PM Miami University Oxford-Cook Field State Route 27 Oxford OH
5/11/2013 9:00 AM 1:00 PM Lebanon Citizens National Bank 7795 S. State Route 48 Maineville OH
5/16/2013 1:30 PM 3:30 PM Miami University-Hamilton 1601 North University Blvd. Hamilton OH
5/18/2013 10:00 AM 2:00 PM Village of Evendale 10500 Reading Road Evendale OH
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