5 More Ways to Help Save You Money

tips on ways to help save you money
tips on ways to help save you money

Saving money is something most people try to improve at over time. There are literally hundreds of ways to save a buck and some are more obvious than others. We’ve covered it before but here are five more ways to help save you money from us here at Gateway Easy Auto Credit Help!

  1. Appliances – Buying energy-efficient appliances might cost more now but they’ll save you energy for years to come. That’s a good amount of money saved. Research what you’re buying before heading to the store to avoid getting smooth-talked by a salesman.
  2. Air Filter – Cleaning your car’s air filter takes a few minutes assuming you follow the instructions in your owner’s manual. A clean filter can improve fuel economy by up to 7% which adds up to hundreds, if not thousands, of dollars over the life of your car.
  3. Cancel Memberships – Do you really need that gym membership you’ve used once in the past year? Probably not. By cancelling memberships you don’t actively use, saving money can easily add up into the hundreds. You can always renew the membership later.
  4. Generic Brands – Nine times out of ten, a generic brand item is the same quality as the store brand. The main difference is how the product is marketed rather than the product itself. More often than not, a generic brand is cheaper than a store brand.
  5. Stay Home – If you find yourself eating out often, try to cook at home instead. You’ll be amazed at how much money you save in a short period of time.

5 Ways to Help You Save Money

Ways to Help You Save Money
Ways to Help You Save Money

Saving money is something everyone likes to do, especially if you’re running on a tight budget. Even small amounts add up over time and that can become a significant chunk of money in the long run. Here are some ways to help you save money from us here at Gateway Easy Auto Credit Help!

  1. Customer Rewards Programs – Free to sign up for, retailers often offer customer rewards programs. Create an email address specifically for those programs, sign up, and check the account for coupons, discounts, and other rewards before you head to the store.
  2. Make a List – Before you head to the store, make a list and stick to it. Doing so will help avoid buying unneeded food or other various items. You might end up eating less junk food as well!
  3. Turn Off the TV – Turning off the television will help lower your electricity bill as well as eliminate exposure to advertisements. You could take the next step and cut cable altogether to save even more money.
  4. Drink Water – A great health benefit, drinking water can help you eat less and spend less money on food. Eliminating soda is a great way to save money.
  5. Go Dark – Leaving lights on doesn’t have much impact on a bill-to-bill basis but it does add up over time. Turn out lights you don’t need and consider changing to more efficient bulbs.

Summer in St. Louis: Best Things About the City

Enjoy summer in St. Louis.
Enjoy summer in St. Louis.

Summer in St. Louis is one of the busiest times of the year thanks to a range of events and activities. Whether you love festivals, grilling, or simply the warm weather, there are multiple reasons to love the Gateway to the West in the summertime. Below is a list of some of our favorite things about St. Louis in the summer.

  1. Free Concerts. According to Riverfront Times, there are tons of free concerts during the summer, which is great for both adults and kids. This includes the stages at the Fair St. Louis to concerts at the Missouri Botanical Garden. You should also stop by downtown Kirkwood for monthly events, as well as simple street music that pops up during the summer.
  2. Cornhole. Also called “washers,” cornhole is an ever-popular summer activity in St. Louis. Deemed the official summer activity by many St. Louis residents, cornhole is a fun game where you simply toss either washers or beanbags into a target. Due to the easygoing nature of the game—including the fact that you can easily play while holding a drink—this game pops up across the city during the summer.
  3. Muny. Music lovers can’t get enough of the Muny. As America’s oldest and largest outdoor musical theater, the Muny always has some of the best shows around. Believe it or not, you’ll even be able to stay cool thanks to an outdoor air conditioning system. Plus, you can wander Forest Park when you’re not busy listening to tunes.
  4. Grilling. St. Louis is known for its delicious barbecue, making summer the ideal time to get some good eats. Fire up the charcoal or propane get enjoy some of the best food summertime has to offer. You can also stop by a number of premier restaurants like Pappy’s Smokehouse, Bogart’s Smokehouse, and Eleven Eleven Mississippi.
  5. The shining Gateway Arch. As the symbol of St. Louis, the Gateway Arch is almost always at the top of any list about the city. This monument is particularly noticeable in the summer sunshine, throwing off a sparkle that can be seen for miles. Drawing most of its visitors during the summer, the Gateway Arch is best experienced this time of year.

Share your favorite things about summer in St. Louis with your easy auto credit help team.

Free Events and Activities in St. Louis

Enjoy free events and activities in St. Louis.
Enjoy free events and activities in St. Louis.

St. Louis is one of the largest and most well-known US cities, making it buzz with fun activities and events. Even if you don’t have any money, you can still have a good time in the Gateway to the West. We’ve put together a list of free events and activities in St. Louis to ensure everyone knows how to enjoy this great city.

According to About.com, you can do just about anything in St. Louis. Residents are particularly proud of the local zoo, which is one of the best in the country. Also, admittance is completely free. Bring the family and friends to this world-class zoo, offering over 5,000 odd and exotic animals from around the world.

Kids love the St. Louis Science Center, a hands-on and kid-friendly museum packed full of information on dinosaurs, math, and more. Focusing on STEM-related fields, your kid can learn and have fun at the same time—without even realizing it! Although you have to get tickets to special exhibits, general admittance to the Science Center is free.

Finally, check out Forest Park. This is one of the oldest and largest urban parks in the country, as it was first created as home to the 1904 World’s Fair. The famous Muny outdoor music theater is still there, with a massive seating complex and even an outdoor air conditioning system. Catch a show at the Muny or simply enjoy the beauty of Forest Park.

Share with us your favorite free events and activities in St. Louis. And check in with us for helpful tips for easy auto credit help.

Good Test Drive Tips for Beginners

Helpful Test Drive Tips
Helpful Test Drive Tips

Looking to buy a used car? Whether you’re looking at a pre-owned vehicle on a dealer’s lot or being sold by a private party, it’s important to take your potential new car for a spin before buying it. Here are some test drive tips to help ensure that you’re getting a quality car before you buy it.

First, before even getting into the car, take some time to inspect it. Are the tires worn? Is there a fluid leak? Make a point to open and close all doors, including the trunk, and make sure all of them lock and unlock. Check for rust along the doors or under the carpet. After turning on the engine, open the hood and listen for any unusual noises, and get behind the steering wheel to ensure all the accessories and buttons work properly.

When you are actually driving the vehicle, make a point to take it on a nearby highway or other road with a speed limit above 60 mph in order to observe whether it vibrates or shakes at higher speeds. The steering wheel should not shake or pull to one side. Check for smooth shifting, strange noises, and make sure the brakes are responsive and quick.

Keeping these test drive tips in mind when you go shopping for a used car can prevent you from buying a fixer-upper that’ll end up being more trouble than it’s worth. A quality vehicle can come at a great, affordable price without any problems.

Easy Car Loan Mistakes to Avoid

Avoid these common car loan mistakes.
Avoid these common car loan mistakes.

Financing a car is hard. The process of budgeting, selecting the best vehicle for the money, deciding on a good down payment amount, applying for a loan, and more is an undertaking that can intimidate even the most seasoned car buyer. However, you may have made some car loan mistakes that could be costing you money in the long run.

The first mistake that many buyers make is focusing too hard on negotiating monthly payments, as opposed to the overall cost of the car. Although it is good to know what you can afford each month.

You should also know your credit score ahead of time. Additionally, do your homework before accepting a cash rebate or a low interest rate loan; it’s important to know what’s better for you, not just what may sound better.

Car buyers should also avoid rolling negative equity forward. If you still owe on a past car, don’t get into the practice of including that in the purchase price of the new car. Last of all, you shouldn’t finance add-ons that you can just purchase separately. It’s good to get into the habit of just saying “no.”

By being aware of these common car loan mistakes, you can save yourself quite a bit of money on a car loan and prevent yourself from getting into debt.

What Type of Car Do You Need?: How to Determine the Right Car for You

Buying a new car is an overwhelming process for many reasons, but one of the most prominent reasons is deciding which type of car is right for you. There are a number of body styles to choose from, including a coupe, convertible, sedan, hatchback, station wagon, minivan, or crossover/SUV. The options are endless. To make the decision easier for you, though, here is a quick overview of vehicle body styles to help you figure out how to determine the right car for you.

Coupe/Convertible: Coupes and convertibles are the ultimate statement cars. If you are looking for a vehicle that will catch the eye of other drivers, then this is the body style for you. It isn’t the most practical car with limited access to the back seat and less cargo storage than more traditional vehicles. For a single individual looking to stand out, though, these body styles are perfect.

Sedan: Sedans put the “tradition” in “traditional.” If you have children, then sedans are typically the right choice. This body style is also great for those younger car buyers who want a reliable, yet spacious everyday vehicle for their commute. As more car brands offer sleeker and sexier sedan styles, the options for this type of vehicle are endless.

Hatchback: Get SUV-like space without eating up gas with the hatchback. This type of vehicle tends to be spunky and looks fresher than typical sedans. There are plenty of hatchbacks to choose from, and these vehicles are quickly becoming the new favorite in the American car market. Hatchbacks are especially perfect for individuals who like to stand out a bit, but still need to be sensible about space.

Station Wagon: Station wagons offer the perfect combination of cargo space, passenger space, and fuel efficiency without being a large, clunky size. This makes them perfect for those consumers that have a family and need a practical vehicle, but don’t want something that is difficult to park.

Minivan: Minivans are the quintessential family car. Those individuals who have large or growing families should definitely consider getting a minivan. They typically can haul five or more passengers comfortably, while still having plenty of cargo space. The minivan segment is growing, too, offering consumers more stylish options than ever before. 

Crossover/SUV: Crossovers and SUVs tend to be the jack of all trades in the automotive industry. These large vehicles have plenty of space—both for passengers and cargo—while still giving off a stylish vibe that is difficult to ignore. Many are even becoming more fuel-efficient, which make them that much more appealing. If you are a car owner who needs plenty of space and enjoys towing regularly, then this type of vehicle is the right choice for you.

These body style overviews are sure to help you figure out how to determine the right vehicle for you and your needs. There are a variety of body styles out there, so keep these descriptions in mind as you begin looking for your new car. And check out Gateway Easy Auto Credit Help of St. Louis, MO website for tips on the car buying process.

How to Save Money at the Pump

Learn how to save money at the pump.
Learn how to save money at the pump.

Unless you have purchased an electric vehicle, it’s likely that gasoline is one of the biggest expenses for your household. Going to the gas pump at least every other week is a must. So how can you keep more money in your wallet, but still get where you need to go? Here are a few tips on how to save money at the pump.

Find the best gas prices in your area. Smartphones are pretty much the most useful inventions since sliced bread. Utilize your smartphone to get better gas prices. There are a variety of apps, including iGasUp and GasBuddy that keep track of your area’s gas prices. Simply enter your location and stop by the gas station that has the cheapest gas. This method can save you plenty of money in the long run.

Pick the right time to gas up. Filling up early in the morning or late at night are the two times during the day where you’re likely to get more bang for your buck at the pump. Gasoline becomes denser in colder temperatures. Because gas pumps measure the volume of gas that goes into your car, rather than the density, you will get more gas for your money.

Fill your tank sooner, rather than later. It’s tempting to wait to fill your tank until your gas gauge is almost on “Empty”—but you shouldn’t. The emptier your gas tank, the less efficiently your car is working. It is using more gas to keep accelerating and decelerating in a normal fashion. Make sure you fill up before you come close to “Empty.”

Remember the importance of routine engine maintenance. When your engine isn’t working properly, it will eat up more and more gas. Getting our oil changed and fixing an engine problem is sure to increase the efficiency of your engine—and decrease the number of stops you need to make at the pump.

Keep your tires inflated properly. Tires affect both your car’s traction and its fuel efficiency. Keeping your tires properly inflated can improve your gas mileage up to 3.3%. Under-inflated tires can decrease the amount of gas mileage you receive, which means more stops at the gas station.

With these tips on how to save money at the pump, you are sure to keep more cash in your pocket. Simply follow these tips, and you’re set!  For more tips contact Gateway Easy Auto Credit Help of St. Louis, MO.

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