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.
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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 23, 2009 By BlondieWrites
It can take a lot of money to stay cool but there are ways to stay cool without busting your budget. There are many ways to beat the heat during the summer without spending too much money. Stay cool and frugal at the same time. All you have to do is look for ways to cool off your home without turning the air up higher.
Wear loose, flowing clothing that allows air to flow around your body. Keep air circulating in your home through the use of fans. You should also try to keep the level of humidity down in your home. The higher the humidity, the warmer you will feel. This is due to the slow down of evaporation. Use cold water when hot isn’t necessary and keep your showers and baths short. You can use a small fan to blow the humidity out of your bathroom if you don’t have a exhaust fan.
You can help cool your home by shading the windows with awnings. Plant trees for shade. You can even plant quick growing vines and flowers, such as morning glories and hollyhocks, around your house. The evaporative effect of living plants will have a slight affect on the coolness of your home. They also keep your home from the direct heat of the sun.
You should turn off all lights that aren’t necessary. They produce a lot of heat. If you question this, try taking the temperature of the air near a light bulb. Now take it away from the light bulb. You will see a difference for sure. If you have a home that has little natural light, look for energy efficient, low wattage light bulbs. They will produce less heat.
Keep your appliance usage to a minimum during the day. Your television, your dryer, your stove, and your computer — all of these items produce a lot of heat.
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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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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.
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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
Being a pet owner, whether it’s one pet or more, can be expensive. With the present state of the economy, it’s understandable you want to save all you can when it comes to your pet’s medications.
You already have to pay for the visit to the veterinarian’s office, which is stressful enough. Then you find out there is a new medication your four-legged family member needs in order to stay or return to good health. You can see the dollar signs rolling around in your head as you try to digest this information.
Take a deep breath. It’s time to run through some steps you can take in order to get the best deal possible for your pet’s medication.
Before your veterinarian automatically fills the prescription on the spot, ask him or her if you could get a sample of the product with a written prescription you can take with you. Your vet is living in the same economic strain as you are, and this should not be a problem.
Ask if there is a generic equivalent to the medication your vet is recommending. Many of these, such as antibiotic or anti-inflammatory medications have generic equivalents. Some are even lower doses of the same medications human members of your family would be prescribed. If this is the case, you can have the prescription filled at your local people-pharmacy instead.
If the prescription you need to get for your pet is for eye or ear drops, check with your veterinarian about possibly using an over-the-counter brand of human drops instead. Again, this could be a less expensive alternative if the result is the same.
Consider online pet pharmacies. As long as you have a written prescription, you can often save quite a bit on the medications your pet needs. The added bonus with this is they are delivered right to your door. However, when calculating prices and savings, don’t forget to include the shipping charges in your totals.
Another saving alternative some residents of the United States have turned to is seeking Canadian outlets for the pet’s medication needs. Of course the amount you can save depends on the medication you are buying, but there are definitely savings to be found.
One of the major reasons people have chosen this route is related to one simple fact. Some of the medications which are available by prescription only in the US don’t require a prescription in Canada at all. Take for instance the case of multiple cats in your home. You take one in for a check-up to find Puss has a condition which could potentially be passed on to the other feline friends in the home.
If each one needs a trip to the vet, tests done, plus the same medication, we’re talking about quite a bit of money. However, if you already have a diagnosis for Puss and you know it’s contagious as well as what medication the other cats would need to take, it’s all quite simple.
You look online for reputable Canadian pet pharmacies and check out the medication in question. No prescription needed? No problem! I’ll take six, delivered to my door please. End of story.
The same situation is possible for other necessities as well. Take a well-known flea and tick prevention medication. A package of three can be purchased in the US for around $40 at one of the online pet pharmacies. The exact same product from Canada is around $25.
As you can see, there are options of obtaining these pet necessities at a lower price than you would probably pay in your veterinarian’s office. Simply talk it over with your vet, and explain your needs, as well as those of your family pet.
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Posted on: June 8, 2009 By BlondieWrites
Check out these budget friendly recipes and get your free cookbook.. a great frugal way to save money.
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