Quig Tips



This year we’re going to give you $12,000 worth of QuigTips to help you fund your IRAs, 529 accounts or whatever other savings goals you have!  These QuigTips will be on www.SquigleyFinancial.com, on our Twitter and Facebook @SquigleyCFP, as well as in this newsletter which will be monthly!

Auto/ Insurance

  • If you’re looking to drop your annual auto insurance premium, taking a defensive driving course can drop your annual premium by 10% depending on your insurance company! That’s an average annual savings of $155.
  • Improving your home security with monitored security systems can decrease your annual premium by as much as 5%. Some insurance companies will even offer a discount of 20% for an in-home sprinkler system to combat fires. On average this can save you anywhere from $60 to $240. Check with your insurance agent before making any purchases to ensure you get your discount.
  • Ask your car insurer what they use to calculate your rate! Your driving record? Your credit score and payment history? Your education level - wait -what? your job title? huh? Not all companies do, but those that do can punish you by $150 to $450 a year for having no college degree or a blue collar job. The good news, not all companies do, so shop around!


  • If your answer to your coffee addiction is a couple of trips to the coffee shop everyday just know that you can save up to $1,500 a year by bringing your two cups of coffee from home. With the advances in thermos technology, you can reliably keep an entire pot of coffee hot from sun up to sundown.
  • Whether you need to slim down your waist or your wallet, swapping out your beef for beans may be the move for you. By choosing swapping out your proteins for plant based options once or twice a week you can save an average of $750 a year.
  • K-cups are a quick and easy way to avoid the coffee shop and save yourself some time at home or in the workplace. However, buying a new box of K-cups every time you run out can cost you an arm and a leg. By buying a set of reusable K-cup that can be refilled and rewashed you can potentially save $300 a year. This not only save’s some green but is also very green as K-cups are notorious for being terrible for the environment.
  • Swap out your sparkling water for tap water at restaurants when you go out to eat and save $540 a year, assuming you eat out once a week.


  • Swap out even some of the your toiletries for the generic versions and you can still save over $200 a year! Keep the brands you really love, but decide if you really would notice if the blade that shaves your leg is generic or a name brand is worth twice the price?
  • If you are thinking of making your home office GOAL permanent and need a better printer, think of switching to one $12,000 with a reservoir instead of one needing cartridges. This can save you over $300 a year in ink! Check out the Consumer reports


  • Did you join the seemingly half the country that adopted a pet during the pandemic? There are many ways to pay for all the needs of your new family member! Almost all major stores have reward programs and pets need several items regularly, so it's definitely worth joining. Look for other bonuses for grooming programs, curbside pick- ups, online ordering, coupons and frequent buyer programs from pet food brands for 10-25% off. That can save you $300 a year!
  • Using money savings apps like GasBuddy can show you the cheapest place to get gas in your neighborhood, and give you discounts at local stores. Users saved an average of over $200 a year just doing the same shopping they already do.


  • Cable and Internet companies will generally charge you a $15 “router rental fee” for every month you have your internet with them. Buying your own router may cost a little more upfront but can save you $180 per year.


  • Venmo Scam: Check before you hit send! A friend sends you an "emergency" message - they are in a cab, on line, wherever and they don't have enough funds. Can you please send them $50 or $100 bucks. People have been stealing peoples profile pics and making very similar names and VENMO doesn't care. No FRAUD protection. CALL YOUR FRIEND FIRST!