10 Tips To Help You Save Money Now

save money

Are you looking for ways to keep a little extra money in the bank? Maybe you want to save up for a trip to the Bahamas or maybe you just want to pay off your student loans faster—either way, there are plenty of easy ways to start saving now. Here are 10 ideas to get you started:

1. Track Your Expenses

Do you know how much you spent on coffee last month? Set aside a month to track your expenses carefully. Keep track of every single thing you buy. At the end of the month, take a look at your spending habits. It is quite possible you’re spending more than you realized. Tracking your expenses can help you find problem areas where you are wasting money and areas that could just use a little improvement.

2. Learn To Cook

Eating home cooked meals is healthier and cheaper. If you don’t know the basics, talk to a friend or take a few cooking classes. You’ll learn a new skill and save money every day.

3. Plan Meals Ahead Of Time

It is almost always easier to order pizza if you don’t have something planned and prepared for dinner. At the beginning of each week, sit down and plan out your meals. You’ll save money by eating out less often.

4. Create A Shopping List And Stick To It

Whether you are shopping for groceries or birthday presents, a shopping list can help you save money. Before you go out, write down everything you need to buy. When you get to the store, stick to your list, even if you see the perfect new pair of shoes.

5. Pay Attention To Your Utility Bill

You can’t get out of paying your utility bill, but you can make it cheaper. Avoid running large appliances like dishwashers and clothes dryers during peak hours, shut off the lights when you leave the house, and invest in a programmable thermostat.

6. Buy In Bulk

Items like toilet paper, deodorant, and trash bags will stay good forever. When they go on sale, stock up.

7. Stay Home

Instead of going out for drinks with friends, invite them over and play games together. Everyone will save money and you’ll still have a great time.

8. Pack A Lunch

Pack a lunch for work at least 3 times a week. You’ll save money and you’ll probably get a healthier meal than you would if you went out.

9. Make Smart Substitutions

Switch to generic brand cereal, go to matinee movies, drink water instead of soda, and go hiking for your next date. You don’t have to give up the things you like—just find cheaper alternatives.

10. Be Patient

Whenever you decide to buy something unnecessary, wait 30 days. This gives you time to save up so you can buy the item without getting in more debt, and it gives you a chance to re-think your purchase.

Saving money is all about making little changes. Use the tips above to start saving money now.


Homeowners Insurance 101: The Basics


Adequately understanding the basics of homeowners insurance policies can be vital when rebuilding or replacing your home and personal belongings. The following information covers the basic essentials of homeowners insurance and everything you need to know when considering its benefits.

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Building a Cost Efficient Workforce while Your Business Is Still Growing

workplace efficiency

When you are building up a business, keeping costs down can be challenging, but staying on top of finances is especially important for start-ups.  Learning to manage the finances when your business is just starting up can greatly impact the success of your business in the long run.


There are many things you can do to make your new business more cost efficient, and here are a few of the most effective.

1. Understand which Positions Are Your Priorities

When you are starting up a business, it is important to consider your hiring schedule.   Determining which skill sets you need to get your business off the ground should be a priority.  This will not only facilitate an efficient hiring process but it will also aid your success as your business grows.


Decide which positions need to be filled right away, and work from there to build a solid team. As your business grows you may find the need for more skill sets. As these needs arise, and budget permits, you can begin hiring for those positions in order of priority too.

2. Find Balance with New Blood

Experience may be essential to the growth of a new business, however, having a staff that consists entirely of experienced workers (or experts) can come with a huge price tag.  Try combining experienced staff with promising new hires to keep costs down while helping the business run smoothly.

Interns are also a great option because they can add to your workforce without adding excessively to your costs!

3. Match Teams Carefully

Where the operation of your business requires the formation of teams, it’s important to choose people who can work well together.  Look for employees with complementary qualities to ensure that they will work as cohesively as possible.

4. Use Clear Assessment Strategies

The ability to accurately assess your employees (in terms of skills and performance) will greatly enhance the overall efficiency of your business, and even your work environment. This is because it allows you to plan for, and utilize, individual and group skill sets in ways specific to the operations of your company. Doing so will ultimately benefit both your employees, in terms of job satisfaction, and your company in terms of efficiency.

5. Treat Your Employees Well

If your employees are satisfied in their jobs, they will be more likely to perform well in the tasks they are set.  If you are providing safe and productive environment for your employees, one where they feel valued, they will likely respond accordingly.


These are a few of the best things you can do to improve cost efficiency in a growing business.  For more information on how you can improve your business, visit the Heuer Insurance website today.

Night Driving Dangers

A little extra caution can go a long way while driving at night


You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC). Because we’re big advocates for safety at Heuer Insurance Agency, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.


What’s dangerous about night driving?


1. Decreased vision.  We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night.  Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you.  And traveling between well-lit areas and darker roads creates issues as well.

2. Driving too fast for your headlights.  Depending on vehicle speed and headlight setting, many people “over-drive” their headlights.  That means, by the time they see something on the road, it’s too late to stop in time to avoid it.

3. Impaired judgment.  Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment.  According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts.


So what do you do?


Sometimes, there’s no way around driving at night.  So here are some tips to help you make a safe trip – whether you’re just running to the store, or you’re headed all the way to Lake Tahoe or Pyramid Lake:

1. Make sure your vehicle’s light are in good working condition.  And not just headlights, but turn signals, taillights, etc.

2. Avoid speeding.  Leave a bigger cushion between you and other cars than you would during daylight hours.  Leave yourself more time for the trip.

3. Be more aware of your surroundings.  You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway – and distractions are even more deadly at night.


Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible.  There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!


We’re open all day! When you’re driving around during the day, stop in to Heuer Insurance Agency for a review of your coverage.  We won’t keep you after dark, we promise.  Just give us a call at (775) 358-5554.  We’re here to help!

At Heuer Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable.  Just give us a call at (775) 358-5554 or send us a note to [email protected].



Your Guide To Babyproofing Your Home

homeowners insurance

Welcoming a new baby into your life is an exciting experience—but a new baby comes with a lot of other changes. To make sure your new baby is safe, you’ll have to make some changes around the house. Use the following guide to babyproof your home.

Windows And Doors

  • Install window stops or guards to prevent falls. Remember that a window screen is not strong enough to hold a child.
  • Get rid of any curtains or blinds with looped cords. Keep other cords out of reach.
  • Install door stops to prevent crushed fingers.
  • Place doorknob covers on doors leading to restricted areas. This can keep your children from leaving the house alone or getting into unsafe areas of the house.
  • Keep furniture away from the windows so children can’t climb up to the windows using a couch or chair.


  • Close dresser drawers so they can’t be used as a ladder.
  • Keep toys for older children stored in a safe place and talk to your older kids about keeping their younger sibling safe. Toys with long strings, lots of parts, or small pieces that could break off are unsafe for babies.


  • Keep cleaning supplies and other dangerous chemicals out of reach and locked up.
  • Never leave a child unattended in the bathtub.
  • Get a lock to keep the toilet closed.
  • Keep appliances such as hair dryers and curlers unplugged when they aren’t being used.


  • Keep the handles of pots and pans turned toward the back of the stove while cooking.
  • Lock the cabinets and refrigerator and put knives out of reach in a safe place.

General Areas

  • Install smoke and carbon monoxide detectors and make sure they have fresh batteries
  • Keep outlets covered.
  • Block off stairs with a baby gate.
  • Block off the fireplace with a grate.
  • Keep electrical cords behind furniture so they are inaccessible.
  • Anchor heavy furniture such as bookshelves, dressers, and TV stands to the wall.
  • Store heavy items low to the ground.

It is up to you to make your home safe for a new baby. Use the above guidelines to make sure you and your home are ready.