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11 things that you absolutely cannot save on in the US

From such an obvious thing as car insurance to something as unexpected as toilet paper, we tell you what experts strongly advise not to save on, in order not to pay more in the end.

Фото: Depositphotos

1. Auto insurance

Common situation - you choose the minimum insurance coverage required by the laws of the country or state. This may seem to be a saving here and now, but if an accident happens, you will end up paying a lot from your own pocket, writes Go Banking Rates.

"The cost of car insurance is not something people like, but trying to save on your insurance policy can really cost you dearly," says insurance agent, car insurance expert Neil Richardson.

For example, if you live in Texas and you have a minimum coverage of 25 thousand dollars for material damage, but you drove into someone's new truck worth 50 thousand, you may have to pay the difference yourself.

  • What experts recommend

Richardson advises adding to your plan coverage such as comprehensive (protects against non-collision damage) and collision (collision damage) if you own a machine that is not too devalued, as well as an uninsured motorist (in case the second party to the accident is not insured) and ample liability (wide coverage insurance). You can reduce costs by getting a discount for combining several insurance policies - for example, on a house and a car, in one company. Ask the insurer about discounts for trouble-free driving and other benefits for drivers.

2. Car repair

Фото: Depositphotos

Repairing the car, it is important to save without risk to life and health. There are things that can not be stingy, - said Nicole Firebo, an expert on repair and maintenance of cars from Marion, Illinois. First, you must do your own research before you buy any parts to make sure you get what you need.

  • What experts recommend

“Installing the wrong elements in a car can cause parts to wear out faster or damage other parts,” says the specialist. Check the warranty for any purchase of this kind. “It may be an additional 50 dollars for a five-year warranty beyond the usual, but it's another five years when you will be protected. It’s important to make sure that you are aware of what the warranty implies. ”

Finally, do not do everything yourself, even trying to save.

“Even if you watched a video on YouTube or received advice from a local auto service expert, some things are better to entrust to a professional,” says Firebaugh, adding that many mechanics will provide a guarantee for parts and work, which gives additional protection.

3. Additional homeowners insurance

Фото: Depositphotos

The hurricanes that cover different regions of the United States every year remind you that saving on insurance can lead to your complete inability to recover property after a natural disaster. Standard homeowners insurance does not cover flood damage; This type of policy must be purchased through the national program (we wrote about how to insure your housing and property against floods).

According to a survey conducted by the 2016 Information Insurance Institute of the Year, only 12% of homeowners across the country have flood insurance policies. According to FEMA, on average it costs about 700 dollars per year. It may seem expensive, but the payment on such insurance reaches 31 000 US dollars. And if you live outside the high-risk zone, you can get coverage for just 137 dollars a year.

  • What experts recommend

Standard insurance does not provide coverage in case of other disasters, such as earthquakes, mudflows and landslides. Experts advise to study your policy - in some cases, you can add additional coverage in case of disasters.

4. Home repair

Фото: Depositphotos

Cheap home repairs can be a costly mistake. In particular, do not be stingy with everything related to water leakage, recommends financial planning expert Justin Pritchard.

“Water can cause decay and mold, and eliminating these problems is expensive,” says Pritchard, who has had this experience in his own home. “In addition to repairing the damage caused by water, you will have to replace drywall, paint and pay for other finishing costs.” If you ignore the problems, you may have problems selling the house.

  • What experts recommend

To reduce costs, Pritchard recommends asking the contractor what problems can be solved in advance: then you will not have to pay him for every hour of classes with other tasks, except for fixing the problem. Consider buying high quality materials; it may cost more, but cheaper materials may need to be replaced soon.

Be careful with offers from contractors that will appear on your doorstep, offering to make repairs at "favorable" prices. They can be fraudsters who use hazardous materials or just run off with money. Find out how reliable companies are and whether they are insured before allowing their employees to enter your home.

5. Tenant insurance

Фото: Depositphotos

If you rent a house, you should not try to save money by refusing to insure the tenant. Mike Delgado, smm-director at Experian's credit bureau, said that he had made a mistake without buying such insurance.

“I thought I lived modestly, not paying monthly for insurance,” he said. “And then someone climbed into my garage and stole my not too modest mountain bike.”

  • What experts recommend

Do not expect your homeowner's insurance policy to cover your personal property — most likely it’s not. The policy of the tenant will be able to pay for the repair or replacement of your belongings if they are damaged or stolen. The cost is only from 15 to 30 dollars per month.

“I could save a few thousand dollars by paying only 12 bucks a month,” Delgado said.

6. Security items

Фото: Depositphotos

When it comes to your safety or the safety of your family, choosing the cheapest products can be very dangerous. For example, a properly made bicycle helmet, which sits as it should, can save lives and prevent brain injuries, says cyclist and blogger Julie Raines.

  • What experts recommend

“I have friends who hit my head on the sidewalk at 15-20 speeds per hour and were intact,” she said, adding that it’s best to buy a helmet at a bike shop where you can wear it and show how to wear him properly.

It does not have to be the most expensive, high-quality helmet designed for racing. Instead, ask for a good helmet at an affordable price - perhaps even a model from last year.

7. Hair care

Фото: Depositphotos

If you cut your hair or look cheap - at best, you will have to redo it by paying it again. At worst, you can seriously ruin your hair. According to the stylist and owner of the beauty salon Beth Kessler, she receives at least one call from a new client a day asking her to redo a bad haircut or fix a bad color.

Recovery will cost both time and money. According to Kessler, color correction can cost half the price if you immediately sign up for a master who specializes in what you want.

  • What experts recommend

To find an experienced stylist, Kessler recommends asking friends about who cuts and paints them, how much it costs and how difficult it is to enroll. You may be able to reduce costs if the salon takes an extra charge for hair styling after the haircut, which is unnecessary for you. You can save money with inexpensive cosmetic life hacks, but it is important to make sure that the changes are easily eliminated if something went wrong. With a hair color such number precisely will not pass.

8. Mattresses

Фото: Depositphotos

“A good mattress is expensive, so many people think that choosing a cheap option is not too bad,” said Joseph Hogh, an investment analyst and blogger. “But you will spend a third of the day on the mattress, and a good night’s sleep is of paramount importance.”

Buying a good mattress means not only comfort, but also the fact that you get a quality product that will last for several years. A good queen size mattress can cost at least 1000 dollars.

  • What experts recommend

Try making such purchases on certain days, Hog recommends. For example, look for mattresses with holiday discounts. Labor Day and Memorial Day are especially lucky days for such a goal. Try to bargain for a better price whenever possible.

9. Footwear

Фото: Depositphotos

If you spend a lot of time on your feet, it’s worth buying only quality shoes, ”says Brent Shelton, an online shopping expert. “Shoes made of quality materials will last longer and stay more comfortable longer.”

According to WebMD, quality shoes are especially important during recreational walking or jogging, playing sports. If you have bad sneakers, it is easy to get hurt.

  • What experts recommend

There are ways to reduce the cost of quality shoes. According to Shelton, it is worthwhile to conduct your own research and study the reviews of the most popular shoe models for your needs and lifestyle. You can set up alerts on social networks and discount sites to receive updates about brands and stores.

10. Grass Seeds for lawn

Фото: Depositphotos

If you want your lawn to look better and not cost you a pretty penny, make the mistake of buying cheap seeds, ”says Brian Clayton, CEO of GreenPal, a lawn care company. The reason for the low prices of some seeds is that from 10 to 20% of seeds contain weeds.

  • What experts recommend

“Do not try to save on the seeds you buy for the lawn,” says Clayton, adding that you hardly want to spend energy on sowing seeds, only to get weed-covered grass. - So do yourself a favor. Spend a few extra dollars on quality seeds. You thank yourself for it next spring. ”

11. Toilet paper

Фото: Depositphotos

Buying cheap toilet paper is literally flushing money down the drain.

“When people buy cheap single-layer toilet paper, people end up using it a lot more,” Shelton said. This means that you have to buy it more often.

In addition, cheap toilet paper is made with fewer fibers and can cope poorly with its function, says savings expert Kendal Perez. “But this is the product from which you are expecting a good job,” she added.

  • What experts recommend

Choose two-layer or three-layer toilet paper, which costs more but saves you money: you don’t have to use as much. You can win by buying it in bulk - the savings can be up to 30%. In addition, it is necessary to look for coupons for toilet paper on the relevant sites, and stock up during sales.

Miscellaneous Educational program life in the USA how to save money home finances

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