Ready for another money saving mission? Don't worry, this one doesn't involve giving anything up, it just involves spending less money.
Check your insurance deductibles. If you have money in emergency savings, and you should, you should be able to raise your insurance deductible.
Insurance is the transferrance of ris, and if you have enough money to "self-insure," then technically you wouldn't need any insurance at all. A totalled car or a medical emergency, however, is probably more money than most of us can afford. It makes sense then to maintain enough money in savings to cover your deductibles: if you have a $1000 car insurance deductible, you need $1000 in savings. The same for your health insurance and prescription plan. By raising your deductibles you will save money on your monthly premiums; be smart about it though, it doesn't save you money if you can't afford to cover the deductible and have to take out a loan.
While you're at it, consider how much your insurance is saving you money. Would you save more money by paying a higher premium for a plan that covers a higher percent of your medical expenses, or vice versa? Do you use your dental or prescription plans enough to make it worth what you pay for them (and can you self-insure against emergencies that would cost you a lot out of pocket)?
So, dig out your insurance statements, or log onto your company's website, and make sure that you're not paying too much. Then you can walk around grinning and telling people that you "just saved a bunch of money on your car insurance"!
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