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		Fred Gruber Director / Principal / Broker First Rate Financial Group Phone: (800) 620-8802 License: NMLS #256707, CA-DRE 01455710 Corp. License: NMLS #1777223, CA-DRE 02075839 fred@fredgruber.com www.FredGruber.com

December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018		4 Tips for Saving Pennys You've heard the familiar adage "a penny saved is a penny earned." Well, this saying has a great degree of truth behind it. Learn to recognize the avenues that allow pennies to trickle out of your pocketbook or wallet and how to make those saved pennies turn into substantial dollars. The coffee you drink to start your day. What you spend on the cappuccino or the latte that you pick up on your way to work each morning can quickly add up. Save some change by changing up this routine. Make your coffee at home or commit yourself to indulge in a once-a-week treat. The gas you put in your vehicle. Gas prices fluctuate constantly. As of this writing, the national average for a gallon of regular unleaded gasoline is $2.85, according to AAA. You can go online and find sources that can tell you about the cheapest gas you can purchase in your neighborhood. Every penny you save at the pump today means having more gas money for tomorrow. The greeting cards you send. According to Southern Living, nine out of 10 households buy an average of 30 individual greeting cards per year. While greeting card prices vary depending on the brand and style of the card you choose, sending those sentiments of expression can quickly add up. Making your own cards at home not only helps you save money but also allows you to put your own personal stamp on the cards you send. The books you just can't put down. Who doesn't love the little luxury of some bedtime reading material? But if your nightstand is stacked high with books you couldn't resist buying, you may not realize the money you could be saving by borrowing them from your local library. The pennies you start saving today can impact the funding you apply toward your children's college education, a home renovation, or your personal retirement savings. Sources: AAA, Southern Living, The Atlantic

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