Joe Sells The Poconos

If, like many Americans, you find your money runs out before the month does, it may be because you don’t keep track of your spending. Budgeting helps, financial advisors assure us, but budget or no budget, there are ways to rein in your spending that may be less painful than you think:

Insurance is necessary to protect you from financial ruin, but it can be expensive. If you own a home and a vehicle, you might be able to save a substantial amount of money by bundling your policies with one carrier. Many insurance companies offer discounts of 20 percent or more to customers who purchase both auto and homeowners policies. Savings depend on the company and the location. In some circumstances, however, bundling is not the best move.