Saving Money

Family finance tips

At Gerber Life we know the value of a hard-earned dollar. And when you're raising a family, it becomes even more important to stretch that dollar as far as it can go to help you save money. Our family finance tips can help you make smart decisions for spending your money as well as help you make use of opportunities to save it. Whether it's clipping coupons before grocery shopping or throwing a do-it-yourself (DIY) children's birthday party, our family finance tips can help you think outside the box so that you can save money.

  1. Summer Savings Ideas

    Summer Savings Ideas

    Wasting Money is Never in Season

    Although summer is a time of freedom, fun and adventure, our pursuit of a “good time” can sometimes cause us to spend money in ways we normally wouldn’t consider logical – such as dishing out $10 for a few two-scoop ice cream cones when we can buy a few gallons of ice cream for less money at the grocery store.

    This doesn’t mean never going out for ice cream, but rather spending smarter. Instead of a second trip to the local ice cream shop, make the shorter trek to your own freezer to dish out the frozen delights from your own scoop. And consider these other summer savings ideas, too!

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  2. Using Affordable Products Made of Natural Materials Can Help the Environment

    Man and Child with Bundle of InsulationThose committed to green living search for natural products, but sometimes don’t realize these materials can save money, too. Fortunately, you can commit to living in an environmentally friendly universe and keep your monthly budget under control.

    Natural Products and Safety  

    Most natural products, along with contributing to sustainable living, are also very safe for all living things. Certainly, the safety of our fragile environment is critical to our continued survival as a species.

    However, safety for ourselves, our families, our pets, and all living things is just as important. Imagine if natural products were environmentally friendly, but toxic to humans? Our environmental awareness quotient would drop dramatically.

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  3. 8 Ways to Minimize Warm Weather Electric Bill Shock

    Lower Your Electric BillMuch has been written about avoiding electric bill shock in cold weather, but fewer savings tips for the summer heat are available. Until now. Here are some tips to help you lower your electric bills during the summer and early fall.

    8 Ways to Minimize Electric Bill Shock

    1. Get the right window or room air conditioner. ENERGY STAR® publishes guidelines to help you learn what size unit to install based on your room size. You shouldn’t use one more powerful than you need since you’ll waste energy.

    2. Have a technician fine tune your HVAC system. Even slight problems can reduce your system’s efficiency by up to 20 percent. An annual check up by an experienced technician can eliminate this energy waste.

    3. Keep your filters clean. If you have central air conditioning, change your filters regularly. A monthly cycle should be sufficient. Window units usually have washable filters that should be cleaned whenever they clog with dust. Central and window units lose efficiency and, therefore, work harder (as in using more electricity) when air flow becomes difficult with clogged filters.

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  4. Mother’s Day Gifts with a Low Cost and High Impact

    Low Cost Mother’s Day Gifts Since mom is always right and may always say “Money doesn’t grow on trees,” show her how much you’ve learned by giving her a gift that stretches your love, not your budget. Here are four great gift ideas:

    1. Make a meal she loves – There’s no doubt you’re going to have a special meal on Mother’s Day, but going out to dinner can be expensive, especially if the whole family is coming along. So, why not make mom her favorite meal? To make the experience seem more like going to a restaurant, be sure to provide an appetizer, main course and dessert. For an added level of realism, have the kids play the role of waiter or waitress (but don’t let mom leave the tip
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  5. Saving Money Can Be Fun

    Saving Money TipsSaving money is often a daunting challenge. However, as every money saving expert will tell you, it is simply a habit you adopt. If you can make it fun and personally rewarding, the saving money habit is much easier.

    Pay Yourself First

    The easiest and most fun way to save money is the “pay yourself first” technique. Here is the short version.

    Treat saving money as you do other recurring monthly bills. Ask the question, “Who or what is more important than me?” Answer: No one and nothing. Why not pay yourself first every month? Here’s how.

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