Our Facebook fan page for Frugal Press is alive and rolling!
I’ll be posting freebies, money management tips, better budgeting tips, financial tips, money making tips, coupons, bargains, discounts, coupon codes, deals, frugal tips, recipes, etc. on our Facebook fan page.
Facebook will now be our preferred mothod of sharing these latest news updates, along with letting subscribers know about my latest books available, ebooks, reports (such as frugal living, better budgeting, money saving tips, recipes, etc).
To get the latest, become a fan by clicking the link below … and tell your friends!
Common Cents – A Simple Guide to Saving, Making, and Managing Your Money
WARNING: 1.4 Million People In The US Filed For Bankruptcy Last Year… Here’s How You Can Beat The Vicious Cycle! Let Me Share With You The Secrets Of Financial Freedom…
Real Life Solutions And Simple Fixes
For Seriously Bad (But Common!) Money Problems
“Are your finances a nightmare? It’s time to wake up from that bad dream and create a better reality…”
I’m Cynthia Thomas, and if you’re ready for a change in your life, this book and study course, Common Cents – A Simple Guide to Saving, Making, and Managing Your Money can help you.
When the One Thing Growing Is Your Debt… Here’s Help
“Common Cents: A Simple Guide to Saving, Making, and Managing Money” is a comprehensive program that will show you, step by step, how to:
1. Set up a realistic budget that you can live with and stick to
2. Cut your living expenses without living like a monk and without sacrificing the lifestyle you desire (and deserve!)
3. Save money for short term goals like vacations, renovations, and high-tech toys
4. Build wealth for long term goals like your children’s college tuition and your retirement
5. Refinance your mortgage, when it’s the best option for you (and when you absolutely need to avoid it!)
6. Get rid of debt once and for all, so you can start building up your financial assets
7. Improve your credit rating, even if you have debt
8. Protect yourself from identity thieves who can cripple your financial life
9. Make more money, even if you don’t switch jobs or get a raise
Here’s a Sneak Peek of What You’re About to Learn:
Module 1: Creating an Effective Budget
Module 2: Staying Within Your Budget
Module 3: Reducing Expenses Without Affecting Your pfestyle
Module 4: Saving Money on a Day to Day Basis
Module 5: Short Term Savings
Module 6: Long Term Savings
Module 7: Using Your Credit Cards Wisely
Module 8: Getting Out of Debt
Module 9: Ways to Bring in Extra Cash
Module 10: Should You Refinance Your Mortgage?
Module 11: Checking Your Credit Report Regularly
Module 12: Why a High Credit Score is Important
Module 13: How to Raise Your Credit Score
Module 14: International Credit Systems
Module 15: Protecting Your Identity
Module 16: Summary
Common Cents is more than an eBook.
You’ll also get:
1. 80+ Page 16-Module home study course
2. Money and mindset worksheets and companion guides to help you work through the critical areas of the course
3. Budget helpers, worksheets, and trackers to make budgeting FUN again!
4. Expert audio interviews so you can gain the insights and wisdom of others in the field.
5. Money saving checklists and cheat sheets, so you will have the essential lessons at your fingertips
6. My Secret Resource List of Helpful Money Sites, Tools, and Calculators
“Common Cents” includes all the tools you need to absorb and implement money growing ideas!
The holiday season is one of the most stressful times of the year due to the financial pressures. Between the gift giving, holiday entertaining, and the regular monthly expenses, it all adds up to an expensive time of year!
When you budget for the holidays early, you’ll have a handle on your holiday shopping and spending throughout the season.
Benefits of a Holiday Budget
Keeping a budget during the holiday season will benefit you in many ways. First, you’ll avoid overspending, which will keep you from playing “catch up” when the season ends. Second, you’ll reduce financial stress throughout the holiday season, which will make the experience more enjoyable for you.
A couple of simple budgeting practices during the next few months will have a positive impact on your holiday spending, which can help to prevent you from going overboard or becoming overwhelmed.
Try these holiday spending budget strategies to ease financial tension during this hectic season:
1. Create a budget. Determine how much money is available for you to spend based on your current financial situation. Be realistic with your holiday spending budget, regardless of how much or little you can play with. This is your spending limit, and your goal is to stay within it.
* Remember that your expenses must be less than your income. There’s no need to get into extensive debt because of the holidays.
2. Make a list. List everyone that you need to furnish a gift for so you can create a realistic plan to accommodate your gift-giving needs. Keep everyone in mind, including family members, friends, and anyone else you want to give a gift to, such as neighbors or other acquaintances.
3. Create a budget worksheet. Create a basic budget worksheet on paper or on your computer. List every gift recipient in one column. Create a column to brainstorm ideas, a column for your planned budget for each recipient and a column for how much you actually spent on each person. Track overall budget and actual spending as well to see how you do at the end.
4. Tweak as necessary. Make changes to your budget whenever you overspend on one person so you stay within your budget overall.
* Try to set realistic budget amounts for each of the recipients on your worksheet in order to minimize the need for edits to your worksheet, but do not be afraid to make edits as necessary.
5. Trim as necessary. Giving gifts to your neighbors, your children’s teachers, and service providers like the mailman is a nice sentiment, but not necessary. If your budget cannot support your list of recipients, trim the list!
* Consider giving stocking stuffer type gifts to these recipients if you insist on giving them something for the holidays. Small gifts, inexpensive homemade gifts, or simple greeting cards are just as sentimental and memorable but will not break your budget.
6. Start early. When working on a budget, starting early offers a definite advantage. The more time you have to get your shopping done, the more time you have to comparison shop, shop sales and look for deals. Avoid leaving your shopping until the last moment; otherwise you’ll likely pay higher prices and spend more time feeling aggravated in the lineups.
Get a Handle on Your Spending
It only takes a few simple changes in your spending and budgeting habits to improve your holiday shopping experience. By starting early and following a plan, you can overcome the obstacles of holiday shopping, budgeting, and spending with ease. Enjoy your holidays!
Free Holiday Planning and Budget Guide
Be sure to download our free guide, Free Holiday Planning and Budget Guide, by clicking here.
For many of us, the holidays are the most financially stressful time of the year. As you relish in the good food and festivities of the season, your wallet gets thinner and thinner. Fortunately, a little frugal holiday planning goes a long way!
Follow this free budgeting guide to help your holiday season be stress-free and affordable. Grab your free copy now!
Click to open the PDF report or right click and select SAVE AS and save the PDF to your computer. Enjoy!
Frugal Tips to Shrink Your Grocery Bill (Plus Recipes)
Frugal Tips to Shrink Your Grocery Bill (Plus Recipes!) offers helpful money saving tips that will cut your grocery bill. Who doesn’t want to and need to save money in these hard financial times? Find out how to save money on groceries with this frugal tips ebook. Also included are some delicious frugal recipes.
