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!!

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 • Bankrate.com
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.

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.

Another way to save money is on hosting your sites, you will not get a better deal than with these gals MomWebBlogs and hosting, Visit the Mom Webs Blog
Want a blog but have no idea how to install one let alone what content to post and just don't have the time to update it? We have the answer for you, Momweb hosting offers PREloaded Blogs!!In fact, you even have a choice to get a pre-loaded version that has the possibility of making money for you by the end of the day.
What a great concept!

Check them out!

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Lets Play the Comment game

Lets Play!

I foumd this game at http://www.junkdrawerblog.com/

It’s very simple.

I start the game off by listing two words or phrases, like waffles or pancakes, and you pick the one you like better. You can explain why if you like.

Then you leave two more words or phrases for the next commenter to choose from. If someone derails the game, will someone please jump in and get it back on track? Thanks!

Ready?

First comment: Facebook or Twitter?
Go!

Ways of Making Money through Craigs List

Craigslist is an online community where its users
are able to buy or sell items, as well as looking
for jobs or even meet and find new friends.

It also allows its users to exchange information.
This has now become the most complete site around
the world, not just in the USA, offering free
classified ads to those that peruse its pages.
Currently, Craigslist is averaging around 4 billion
page views a month, and so it can offer those who
want them, a wealth of financial opportunities,
especially if they are willing to capitalize on
this site’s popularity.

So if you are really keen
to set up your own online business which can be run
from the comfort of your own home, then it is
advisable that you start looking for a service or
product which you can advertise on Craigslist, and
just see what results you achieve.

So let’s take a look at some ways that you can make
money through using Craigslist.

Sell products that are tangible on your Website
It can either be through a special offer or a sale.
But all you need to do is go to the right category
on Craigslist, and then submit a posting in
relation to what it is you are offering for sale,
along with the price that you are offering it at.
Certainly, the better the deal you can provide to
those visiting the site, then the more visitors it
will bring to yours.

Selling products or services on eBay
Unfortunately, using this method in order to make
money could be a problem if you do not have
sufficient goods to sell. Plus, placing any sort
of listing on eBay is going to cost you. However,
with Craigslist if you go to the “for sale” and
then “free” section in various categories, you will
be amazed at just what people are giving away. You
can then get these goods for yourself, and if you
want, start selling them on eBay, and make your
profit from Craigslist in that way.

Selling Affiliate Products
If you are looking for a way to earn money at home
by use of the internet, one way is to get involved
in affiliate marketing. However, you will need to
read the terms of service in relation to affiliate
marketing on Craigslist, as this is not normally
allowed. But there are ways in which you can
either suggest or recommend to those that use
Craigslist, in order for them to purchase the
affiliate products that you are offering.

As there are so many people now turning to
Craigslist in order to look for products and
services that are being offered to them, then you
should not miss out if you are looking for a way to
earn a living from home through using the internet.
So the sooner you get your Craigslist campaign under way,
then the sooner you can start watching your profits
climb.

Business and Cupcakes

What does business and cupcakes have in common? Hmm well if you watched the Celebrity Apprentice show last night you would see what they have in common.
On the show they made cupcakes for charity and they were getting $10,000 for one cupcake, wow, take that Martha Stewart! The ladies won the cupcake challenge the guys didn't but the good news is all the money they collected for charity.

But can you really have a business making cupcakes? yes you can! one of my favorite YouTube videos is this one :
http://www.youtube.com/watch?v=E9qtZwHHmx4
You can learn how to make those beautiful (why doesnt it turn out like that for me) cupcake floral bouquet.

And if you are a scrapbooking fan how about making a cupcake like this one:
http://www.typepad.com/services/trackback/6a010536b71e2d970b010536d2dc04970c

The graphic in this post was from Woman's Day Magazine article all about cupcakes:
http://www.womansday.com/Recipes/Pansy-Cupcakes
Photo by Charles Schiller

Did you know there is actually a "Cupcake Queen" ? (no its not Martha)
Well here you go her recipes and cupcakes make my mouth water! Good job
cupcake queen! White chocolate TURTLES! Wow what class! Impressive to say the least.
oh I bet I could make those....
http://52cupcakes.blogspot.com/

Wait but why would someone want white turtles on their wedding cake??

Anyway, point being yes as you can see you can have a cupcake business.
In a future post I will investigate and than report back here all the steps to having a work-from-home cupcake business, sounds like a fun business to have except I am on a diet and that could really affect my diet.