Surviving the Recession, 100 Ways to Save Money, Cut Costs and Survive in Today's Economy by D Hanna

This book provides sixteen chapters of information on how to survive today's recessions.The author has also provided several forms to assist you in determining your current status and how to move forward. In the introduction the author has you assess your credit card debt, cost of owning a car and health care costs.Before you even get to the first chapter the author provides 8 ways the book can help you live better.Chapter one assists you in getting started in taking control and developing plan to survive. It directs the reader to exam your food costs; list and evaluate your current expenses. The author provides the formulas and forms to complete this task.Finally, the author provides a website and encourages the reader to increase your income while cutting your costs. Chapter two demystifies the myth of fixed costs. Here the reader will find information on what kind of mortgage is best for you; where to go get information on mortgage rates and where to find an AMF calculator
. The author assists you in learning from your bad experiences and exams direct lender to broker.Chapter three is dedicated to slicing your food costs. The author provides strategies to reduce your grocery costs by 10 percent or more and where to find the money saving coupons online. The author lists strategies to achieve this goal.Chapter four address quick and easy ways to cut your energy bills. This chapter provides information on how to do your own cost analysis to assist in cutting costs. It also lists how you can get fee information from our government.In chapter five the author provides information on how to reduce your phone bill. The author discusses the pros and cons of maintaining a landline verse a cell phone. There is information on how to avoid tricks and traps offered by communication services. The author provides information on phone cards, how to consider and develop the right cell phone contract and addition resources to save you money.Chapter six exams you
r choices of TV entertainment. The author compares the cost of Satellite to Direct TV and how you can cut costs of Cable TV.In chapter seven the author presents 10 ways to lower the cost of your auto insurance. The reader will also find 12 fast and simple formulas to get low-cost car insurance. The author makes several recommendations such as getting three quotes, checking out cost of insurance before buy a new car, keeping a good credit record, how to qualify for a low mileage discount, how group insurance may cut your costs and how reducing coverage on old cars will save money.Chapter eight focuses on lowering your homeowner's insurance cost. The author provides strategies on how to make your house disaster resistant, how to do comparative analysis on insurance policies, how upgrading your home security will save on insurance costs, and how to find discounts.In chapter nine the author focuses on health care costs. There are strategies to reduce you prescription costs. Ther
e is information on FSA (flexible spending account and its advantages and how to fight overcharges.Chapter ten looks at credit card spending. The author exams the importance of interest rates and why it matters, how to find errors, how to get your credit report and strategies on how to give yourself a credit check-up. There is information on credit counseling companies and where they are right for you.In chapter eleven the reader will learn how to evaluate life insurance and where or not it is right for you. The author compares and contrasts term verse cash-value insurance, and how you can determine what is right for you and your family. There are also suggestions on how to eliminate brother some insurance agents.Chapter twelve provide information and suggestions on how to cut the cost of travel. The author points out how you can travel like a King on the budget of a pauper, how you can get the best possible air fairs and has you exam your ability to be flexible. There is in
formation on how to cut the price on a ticket you have already purchased, how to save money on a Disney World vacation and on hotel rooms.In chapter thirteen the author identifies addition cost cutting strategies to reduce costs of lunches for working individuals, how to develop an entertainment budget; trim your clothing, school supplies and car maintenance costs.Chapter fourteen focuses on how you can build a budget and stick to it. It assists the reader on evaluating your goals and saving habits. The author provides information on 401K, other investment alternatives and compares SEP over Solo 401k. There is also information for small business owner and the self-employed.Chapter fifteen address ways to get more out of your paycheck. The author discusses flexible spending accounts and how they work. There is information regarding dependent-care flexible spending, transportation reimbursement and retirement.In chapter sixteen the author continues with other alternative ways
to increase your income through: building a business on eBay, liquidations and close outs, how to profit from bad spelling, and other places to get goods stuff. In the appendix the author includes forms for checking your progress, worksheets for auto insurance and facts about credit scoring.

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