Friday, May 15, 2009

More about frugal tips

Cha..ching...There are tons of ways to save money besides using coupons, one tip is to look for products you use every day that are offering "more for your money" for example, we use Scope mouthwash and recently they offered a large bottle with 50% more in it, using a coupon to purchase it we saved a lot and got a lot more for our money! Land of Lakes butter offered 50% more recently. Point being always be diligent, read labels,and watch for special savings like that.

Slimfast has great meal and fitness planning
tools, advice from Registered Dietitians, our online Buddy system, and savings offers.

Another way to save money using cell phones, don't buy a monthly plan just buy minutes , 1000 minutes for $100 and usually lasts about 9 months IF you want a cell phone for phonecalls only, no texting, internet etc.

Okay so I LOVE Starbucks I know, I know I could save about $625 a year if I gave up Lattes, well I read somewhere that saving money is like being on a diet, deprive yourself and you will crave it all the more. So save money on something else and keep the Lattes ::wink::

This is a great resource to get coupons not found elsewhere PLUS 30 mi nute recipe ideas, and even videos From quick prep to table-ready, get tips that will make your life easier.

But seriously there are so many ways to save money easily and effortlessly without feeling deprived.

$1,000 GIVEAWAY!

Think about saving money when buying car insurance,
*Buy cars that require lower insurance premiums in the first place
*Keep your credit score high. Lower credit scores mean higher car insurance premiums
*Group your auto, home, and personal liability policies with one insurer
*Complete a certified defensive driving course and if may reduce your premium
*Search for best rates on Car insurance quote comparison sites

Those are just a few tips, stay tuned to our site for money-saving tips and earn more money tips as well, we are more than just a freebie, coupon site!!

Friday, May 8, 2009

Handling bills during a layoff or money crunch

You or your spouse are laid off and suddenly you wonder how you will pay your bills, or there is a health crisis in the family, Marilyn Kennedy Melia •
Highlights some suggestions:
*Credit experts warn: Have a plan before you plea.
*Contact lenders early, but there are no guarantees of help.
*It's up to you to make sure your priority bills are paid first

Let's take each of the suggestions, "Have a plan before you plea"
yes you can approach all your lenders and plead hardship however be prepared for the consequences such as them lowering your credit lines. You can approach the credit card companies yourself or seek help from credit counseling services, but don't just ignore the problem. Did you take out insurance such as insurance when you become unemployed? Some creditcard companies offered it. Most mortgage companies and credit card issuers have disability insurance but few offer insurance for the laid off worker. This all goes to her advice "Contact lenders early, but there are no guarantees of help".

If you have a savings account (6 months savings) to tide you over till you get another job use it first not your 401K, now lets discuss,
"It's up to you to make certain your priority bills are paid first"
lets describe what a "priority bill" is...
*First and foremost your Mortgage, that should be priority one make that payment after you contacted your mortgage company and find out if and how they will work with you.
* Utilities, Electricity, gas, Water, but what about those cable bills and cell phone bills? (we'll get to that later)
*Food, you have to eat, spend less with our tips on using coupons, etc.Don't eat out especially at fast food places because that costs more.
*Transportation, save gas, drive only when necessary.Keep up with all insurances.

Those are the major bills that should be paid first, now you're asking but what about credit card bills, try to pay the minimum if at all possible, and again try to negotiate on your behalf or get a counselor to do it for you.

With these strategies you can survive a job loss or money crunch.

Tuesday, May 5, 2009

Ways to save money tips

Cable bills are a major hit to any budget, there is a way to cut the coaxial cord, read the entire article in, of all places, Popular Mechanics
Interesting ideas.

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