Posted on: June 25, 2009 By BlondieWrites
Are you sick and tired of not having enough money to pay your bills, not having enough money to buy food and medicine? Are you tired of running out of money before you get another paycheck? Are you living on one income when you previously lived on two? Did you recently get laid off your job and are having a hard time making ends meet? Saving Money Club is here to help!
The economic recession has caused many people to not only want to learn how to save money, but it’s forcing most people to do so. Saving money isn’t that difficult but it does take commitment and the desire to want to learn to live a more frugal life.
The goal of our Saving Money Club membership site and blog is to offer members money saving tips and ideas that will help not only save money right now, but to learn a new lifestyle when it comes to personal finance and money spending habits. With the economy in the shape it is, how many of us can afford not to live more frugal?
Saving Money Club isn’t the same old rehashed stuff you find all over the internet. Members will find informative money saving tips for everyday living, freebies and samples (who doesn’t love free stuff?), ways to cut costs, free and low cost ebooks about various topics, yummy frugal recipes, ways to get more for your money, dollar stretcher tips, tips on reducing credit card debt, and more.
Membership is available as a regular monthly recurring subscription. Sign up for the monthly subscription, and we take care of the rest. There’s no need to worry, because each month your subscripton is automatically renewed so that your access to Saving Money Club is never disrupted or stopped as long as you choose to keep your subscription active. You can cancel anytime, however, if you find Saving Money Club is not for you.
Saving Money Club will always offer new and interesting material for members, updated often so that you can always find more money saving advice and tips on various topics. New ebooks will always be available to members totally free or at a very substantially reduced low price. Our goal is to help you save money!
Saving Money Club offers members resources, information, and tips about saving money. Saving Money Club shows readers how to live better on less, how to stretch the dollar, and budget better. We provide members with frugal living tips and frugal advice, money saving tips, better budgeting ideas, freebies, coupons, coupon codes, bargains, discounts, and tips on ways to cut spending and get more for your money. Saving Money Club offers money saving advice on anything and everything about living… fashion and beauty, diet and weight loss, travel, family, house and home, gardening, shopping, crafts, cooking, parenting, babies, teens, entertainment, the economy and recession, credit and debt help, and more.
Popularity: 1% [?]
Filed Under: Articles, Better Budgeting, Coupons, Credit, Debt Control, Economic Recession, Freebies and Bargains, Frugal DIY, Frugal Dating, Frugal Decorating, Frugal Family Fun Time, Frugal Health, Frugal Holidays, Frugal Living Tips, Frugal Recipes, Frugal Shopping, Frugal Travel, Gardening, Get Free Products, Get Organized, Homeschool, Money Saving Tips, Paid Surveys, Specials, Tax Time, Utterly Funny, Work at Home
Posted on: June 17, 2009 By BlondieWrites
You can save money by trying free trial offers of products and services. Many companies will offer free trials of their products or services so that customers can try before they buy, without the commitment. Taking advantage of free trial offers is the frugal way to not only save money, but find out if you like a product or service before commiting to spending your hard earned money on something that you might end up not liking.
In today’s economy, it’s not unusual to find that many companies that give out free trial offers are asking customers to pay the shipping and handling for their free products. Even though this is the case more and more, it’s still a very frugal way to find out if you like something by taking advantage of the free trials.
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Popularity: 4% [?]
Filed Under: Articles, Better Budgeting, Debt Control, Economic Recession, Freebies and Bargains, Frugal Family Fun Time, Frugal Health, Frugal Living Tips, Frugal Recipes, Frugal Shopping, Frugal Travel, Get Free Products, Money Saving Tips, Specials
Posted on: June 16, 2009 By BlondieWrites
Most of us look forward to summer. The warm, sunny weather has a way of putting a smile on one’s face. Sure, it gets hot outdoors, but we can always go inside and cool off courtesy of air conditioning.
Air conditioning is nice, but it can cause your electric bill to skyrocket. In warm climates, as much as 70% of total electricity used can be attributed to air conditioning. So it pays to find ways to reduce the amount of time your air conditioner runs. Here are ten things you can do to save money on cooling.
1. Make sure you’re using the right kind of air conditioner. If your unit is too large or too small, you’ll end up wasting energy. There are also evaporative cooling systems that are much more energy efficient in dry climates, but work very poorly in humid climates. So if you’re planning on purchasing a new unit, talk to an expert to determine which one is best for your needs.
2. Keep it shady. Shade trees can make a big difference in how hot it gets inside your home, allowing your air conditioner to keep it cool without running as much. Window blinds and awnings can also help.
3. Open the windows and use fans to keep your home cool when practical. On really hot, humid days, air conditioning may be necessary to maintain a comfortable temperature. But when it’s just nice and warm out, open windows and a good fan may do the trick.
4. Make sure your home is well insulated. This will help keep the cool air in and the hot air out.
5. Maintain your air conditioner as directed by the manufacturer. Filters should be changed or cleaned each month, and the coils should be cleaned at the beginning of each summer.
6. Use the thermostat to your advantage. A programmable thermostat is ideal, because you can set it to automatically turn off when no one will be home. Then you can set it to turn the air back on about half an hour before you return, and the house will be nice and cool. For maximum energy savings, keep the thermostat at the highest comfortable temperature.
7. If you have central air, consider shutting off vents in rooms that are unoccupied. Shutting off too many vents at the same time, however, can damage the ducts. When in doubt, ask an HVAC professional how many vents you can safely close.
8. Speaking of ducts, check them periodically to make sure there are no leaks. If you find a leak, have it repaired immediately.
9. Keep your storm windows closed. If you don’t have storm windows, consider having them installed. It won’t be cheap, but it will significantly cut costs on both cooling and heating.
10. Avoid using the oven as much as possible. The heat it produces is more heat that the air conditioner must remove from your home. Use the microwave or grill out instead.
Air conditioning can make an unbearably hot day bearable. But it can also be hard on the budget. Take steps to minimize the amount of time your unit runs, and you can reap the rewards when you pay your electric bill.
Popularity: 4% [?]
Posted on: June 16, 2009 By BlondieWrites
When our financial picture is good, we often do not worry about saving money. But when things take a turn for the worse, we realize the error of our ways. Had we found ways to spend less and save more, we might not have to worry so much.
When faced with reduced income and/or rising prices, saving money is not optional. It’s something we must do to survive. But if you’ve never pinched pennies before, it’s easier said than done. Here are five ways you can save money when times are tough.
1. Shop around. Comparing prices on groceries, clothing and other tangibles is a good place to start. But you can also save a substantial amount of money by comparing prices on such things as insurance, phone service and internet access. Call around or check prices online to find the best deals.
2. Clip those coupons. Some people shudder at the thought of using coupons, or they feel that they don’t make much of a difference. But those cents (and sometimes dollars) off can really add up over time. And coupons aren’t just for groceries any more. You can find them for everything from dinners at your favorite restaurant to movie rentals.
3. Don’t buy when you can borrow. If the outside of your house needs cleaning, your first thought might be to go out and buy a pressure washer. But if your neighbor has one, he might be willing to loan it to you, saving you a big chunk of change. If you’re willing to loan stuff to others, they will often be happy to return the favor, saving you both money.
4. Cut your transportation expenses. If possible, using public transportation is usually the cheapest way to get from Point A to Point B. If that’s not an option, carpooling is the next best thing. Taking turns driving to work with a co-worker will be of benefit to both of you. And there’s no reason to stop there. Share rides to the store with neighbors, take turns with a fellow soccer mom driving the kids to practice, and take one vehicle when going out to eat with friends instead of driving separately.
5. Be self-sufficient. Anything you can create at home will almost certainly be cheaper than the same thing bought from a store. So try your hand at sewing your own clothing. Learn to bake bread from scratch. Plant a garden and learn how to preserve the surplus for later use. You’ll certainly save money, and you might find an enjoyable new hobby.
Saving money isn’t completely effortless, but it’s not as hard as you might think. Some simple changes in lifestyle can leave us with more money each month. During hard times, saving money can help keep us afloat. And when our situation improves, it can help us save up money for emergencies, retirement and other important causes.
Popularity: 4% [?]
Posted on: June 16, 2009 By BlondieWrites
There’s much more to life than money. But a lack of money can really put a damper on everything else. Financial stress has a way of darkening one’s entire outlook. And the fact that it tends to be self-perpetuating makes it even worse.
When you’re facing financial stress, you may feel that the only cure is more money. While that would certainly help, it is not always forthcoming. So we must learn to set priorities in order to make sure our needs are met. But when you’re facing a sudden change in your finances, that’s not always easy.
Here are five tips to make setting priorities during hard times easier.
1. Remember the basic essentials of life: food, water and shelter. Take care of those needs first. Pay your rent or mortgage, electric bill (for safe food storage and cooking), and water bill first thing each month. Next, buy groceries. Then tend to everything else.
2. If you have a job, make sure you have a way to get to and from work every day. This means paying for public transportation or maintaining your own vehicle. If you must drive, auto maintenance should be a top priority. If you don’t properly maintain your car, you could find yourself with no way to get to work, putting you in danger of losing your job.
3. Do your best to stay in good health. Get plenty of sleep, eat fresh, healthy foods and find a way to pay for any maintenance medications you need. If you are uninsured, apply for Medicaid or seek out free or low-cost clinics in your area. Staying healthy in the first place will reduce your chances of incurring large medical bills, which could cause even greater financial stress.
4. Keep major appliances such as refrigerators, stoves, air conditioners and furnaces in good repair. Heating and air conditioning units should be checked for problems each year to help prevent breakdowns, and filters should be changed as recommended by the manufacturer. If your stove or refrigerator is on the fritz, having it repaired instead of buying a new one can save you money. If something must be replaced, try to find a used one first.
5. Reduce or eliminate expenses for things you can do without. If you have a cell phone, you may be able to get by with a cheaper plan. If you also have a home phone, consider having it cut off and using only your cell phone. Cable or satellite TV is not a necessity, so if you’re having a hard time making ends meet, consider getting it cut off.
Financial stress can affect our decision-making skills when we need them the most. By setting priorities, you can manage your money more efficiently and eliminate unnecessary spending. This will help ensure that your needs are met, and that in turn will reduce stress levels. Then you can work toward getting your finances in better shape.
Popularity: 4% [?]
Posted on: June 16, 2009 By BlondieWrites
You can save money by trying free trial offers of products and services. Many companies will offer free trials of their products or services so that customers can try before they buy, without the commitment. Taking advantage of free trial offers is the frugal way to not only save money, but find out if you like a product or service before commiting to spending your hard earned money on something that you might end up not liking.
In today’s economy, it’s not unusual to find that many companies that give out free trial offers are asking customers to pay the shipping and handling for their free products. Even though this is the case more and more, it’s still a very frugal way to find out if you like something by taking advantage of the free trials.
Following are just a few frugal free trial offers on various products and services:
Get your Free Samples. Updated with a complete new list of Free Stuff every 24 hours. Get yours Now! Click Here
Free Baby Stuff!
Get brand name health products for FREE! at QualityHealth. Join TODAY! Click Here
Get Cosmopolitan Magazine Free
Get a free trial ACUVUE® OASYS™ Brand Contact Lenses
Get 250 full-color, free business cards. Over 42 designs to choose from! Order Now! Click Here
Find that special someone today. Try our 10 day free trial at ChristianCafe.com!
RealtyTrac is your destination for housing foreclosures
Get free grocery coupons here! Click Here
Cheap is good…but FREE is better! Join FreeFly’s and get FREE samples of name-brand products! Click Here
Want access to EXCLUSIVE members only offers? Join Best Net Freebies now
Downloads-Safe, Fast, and Uncensored. Free Music, Photos and Games!
Popularity: 2% [?]
Posted on: June 1, 2009 By BlondieWrites
Not too long ago, cell phones were a luxury reserved for the rich and famous. Today, they’re everywhere. Many users consider them necessities, and they seem to go through withdrawal if they forget them at home or lose their signal.
Anyone can survive without a cell phone. But they are very handy to have. They give us a way to communicate with friends and family from virtually anywhere, and to call for help in the event of an emergency. Those bills can add up in a hurry, though.
With all the different plans available, you might be surprised at how many cell phone users are paying more than they should. Are you one of them? Here are some ways you can talk for less.
* Avoid buying too much phone for your needs. If you won’t be browsing the Web, why pay extra for a phone with such capabilities? Compare the available phones and find one that has the features you will use and not a lot of extra ones.
* Re-evaluate your service plan from time to time. If you find that you’re not using nearly all of your minutes, see about switching to a cheaper plan. If there are several phones in your household, a family plan will probably be the best deal. If you don’t use your phone very much, a prepaid plan could save you money.
* Keep an eye on your texting habits. Are you sending lots of texts each month? An unlimited texting plan could save you money. But if you’re doing more texting than talking, consider making calls instead of sending messages. It will probably be less expensive.
* Run the numbers on your insurance plan. Unless your phone is a top-of-the-line model, you might pay enough over the course of your contract to buy a new one. If that’s the case, drop the insurance and save up that money. If something happens to your phone before the contract is up, put it toward a new one. If not, buy something else.
* Use night and weekend minutes to make calls when you just want to talk. Most companies offer unlimited nights and weekends, and if combined with free long distance, you can call and catch up with old friends and far-off family at no additional charge.
* Check each bill for incorrect charges. If you find something, call your provider and dispute it. Even if it’s only a small charge, it could be something that is billed each month.
* Don’t call 411 from your cell phone. You’ll pay even more for it than you would from a landline. There are many free directory assistance options available, such as 1-800-FREE411, that will cost no more than a regular local call.
* Take advantage of in-network calling. Some providers offer free calls among their cellular customers, or let customers choose some numbers that they can call for free. Calls to these numbers will not use up your package minutes.
* Watch out for roaming charges. Some providers even charge them on nationwide plans if you are in an area away from that provider’s towers. There should be an icon on your phone that lets you know if you are roaming. If you see it, avoid making calls unless it’s an emergency.
Cell phones are one of those modern conveniences that we can’t seem to live without, but they can nickel and dime you to death if you let them. Having the right service plan and being aware of all possible charges can save you lots of money.
Popularity: 11% [?]
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