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Saturday, November 1

  1. page home edited ... Keep your car properly maintained and regularly check tires for proper inflation to save gas. …
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    Keep your car properly maintained and regularly check tires for proper inflation to save gas.
    Anticipate stops and avoid jackrabbit starts to save gas.
    Know your auto benefits that come with your credit card or insurance coverage. Often there is free or discounted towing and other services that go unused. If you have a child away at school, or you want the extra coverage, consider a AAA or other auto club membership. Towing, extraction, jump-starts, and flat tire changes are just some of the things covered. The peace of mind may be worth the cost.
    beauBeauty and Clothes:
    Because men's fashions rarely change, buy in bulk when you find a bargain.
    (view changes)
    11:04 pm
  2. page home edited ... Video rentals. Sometimes free at the library. If they don't have what you want, Redbox, grocer…
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    Video rentals. Sometimes free at the library. If they don't have what you want, Redbox, grocery stores, etc. charge only $1 or so.
    Trash removal. If you have a pickup truck, see if your local landfill will allow you drop off your trash there for free. Many cities or counties require you to pay for their trash service, so this only applies if your local service is optional.
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    to be. Check with your neighbor to see if you can go in together with a lawn service to get a discount.
    Soda. Tap water is better for you and virtually free.
    Pets. Get one from the shelter. It saves a life and discourages puppy mills.
    (view changes)
    10:37 pm
  3. page home edited ... Video rentals. Sometimes free at the library. If they don't have what you want, Redbox, grocer…
    ...
    Video rentals. Sometimes free at the library. If they don't have what you want, Redbox, grocery stores, etc. charge only $1 or so.
    Trash removal. If you have a pickup truck, see if your local landfill will allow you drop off your trash there for free. Many cities or counties require you to pay for their trash service, so this only applies if your local service is optional.
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    you exercise. But always do a cost comparison for what a professional service would charge, verses your equipment, your equipment maintenance costs, chemicals, fertilizers, and other assorted costs would add up to be.
    Soda. Tap water is better for you and virtually free.
    Pets. Get one from the shelter. It saves a life and discourages puppy mills.
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    If you go to a movie rental place that guarantees the movie is in stock, check ALL the movies to see if any aren't in. If it's not, you can get a rain check for it. You may not be willing to spend money to rent it, but what if it's free?
    See if there's a dollar theater in your area.
    College theater is a great way to see plays/musicals at very inexpensive rates.
    kidsKids:
    Breastfeed if possible
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    You don't need a changing table, a swing, fancy stroller, or a themed nursery.
    Instead of paying fees for kids to participate in city league sports, form your own weekend games with other parents and kids.
    Kids outgrow clothes really fast. Ask some friends with kids older than yours if you could have the "hand-me-downs." And offer to friends with kids younger than yours if they would be interested in your kids' outgrown clothes.
    foodFood and Groceries:
    Generic won't kill you. Many grocery stores guarantee their brands; if you aren't satisfied, they'll exchange it for the name brand for free.
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    Use reusable water bottles filled with tap water instead of buying water.
    Premium beer. Is it that much better?
    Cat litter. TheBuy the expensive crystals (like Fresh Step Crystals) and add 1/5 scoopable cat won't care. Check outlitter to the box with the crystals. The crystals are much more expensive but it lasts 4 times longer, making it much cheaper over time. The additional 1/5 scoopable litter keeps the cost down as long you scoop the box every day (no odors and no mess). WARNING: don't flush the crystals! That will cause serious problems with the feed store for bulk prices.municipal water supply.
    Dinner. If you're desperate to go out, eat dinner at home, then go out and do some window shopping or have dessert.
    Does your favorite pizza parlor have a special deal say on maybe a Monday or Tuesday?
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    If you drive less than 12,000 miles a year, see if you can get a special rate on your insurance.
    Don't invest in insurance. Cash-back policies like whole life and variable life are only advantageous for people with very high incomes, and if you are reading this list, chances are you aren't one of those people. Agents like to recommend them due to the high commissions they generate.
    If you have any assets at all (including real estate, retirement savings, or even a future inheritance), you should consider getting an Umbrella Policy to cover losses above your normal policy limits. This is very inexpensive but if you have a serious at-fault insurance loss, you don't want your current or future assets at risk. If you have a teen age driver, this is absolutely necessary.
    medMedical:
    Buy the generic drugs - often made by the same manufacturer.
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    skimpAn Ounce of Prevention is Worth a Pound of Cure - Don't sacrifice quality to save money on:
    Health care
    Exercise. Every day and don't wait until you have health problems to start!
    Car maintenance
    Nutritious food
    (view changes)
    10:35 pm
  4. page home edited ... Don't invest in insurance. Cash-back policies like whole life and variable life are only advan…
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    Don't invest in insurance. Cash-back policies like whole life and variable life are only advantageous for people with very high incomes, and if you are reading this list, chances are you aren't one of those people. Agents like to recommend them due to the high commissions they generate.
    medMedical:
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    the same mfg.manufacturer.
    Exercise causes long-term savings.
    Question whether procedures are necessary.
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    taxTaxes:
    Max your available retirement plans.
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    Flexible Spending AccountsAccounts, Health Savings Accounts, and other
    Adjust your tax withholding if you're getting large tax refunds and use the increased take home pay for savings and investing during the current year, rather than next.
    Most Americans are eligible for free tax prep through IRS Freefile. For those that self-prepare, use FreeFile Fillable Forms to e-file, saving time (faster refund) and a stamp. Your state department of revenue may also sponsor a FreeFile-like system.
    Don't get suckered into paying huge fees for a "rapid refund". E-file your return and opt for direct deposit. Most tax refunds are direct deposited in 1-3 weeks after e-filing without a fee.
    travTravel:
    Join airline Frequent Flier Clubsfrequent flier programs for any
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    fare over FFfrequent flier miles. Keep
    Take your own food from home, rather than buy food at the airport. You will save money over the airport food and know that you will have real food on the flight.
    Avoid flying on Sunday nights, Monday mornings, and Thursday and Friday nights because those are popular travel days and those flights fill up first. You're more likely to find better deals on Saturdays, Tuesdays, and Wednesdays.
    (view changes)
    9:59 pm

Sunday, March 2

  1. page home edited ... Extended warranties. They're overpriced and seldom used. Consumer Reports in 2004 recommended …
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    Extended warranties. They're overpriced and seldom used. Consumer Reports in 2004 recommended them only for laptop computers, plasma TVs, and treadmills.
    Insurance you don't need. If you have no dependents, you don't need much life insurance. Accidental death insurance is stupid. If you need insurance, then you need it no matter how you die.
    Internet. Free at the library and lots of fast-food restaurants.
    Magazine subscriptions. Most libraries now have freely accessible databases that provide content for tens of thousands of magazines, journals, newspapers and other educational, credible information issued on a periodical basis. You can use your own computer or the library's computer to do extensive research or just read up on your favorite interests. You can even set up alerts that deliver the full text of articles on your selected topics to your email account whenever they are published.
    Video rentals. Sometimes free at the library. If they don't have what you want, Redbox, grocery stores, etc. charge only $1 or so.
    Trash removal. If you have a pickup truck, see if your local landfill will allow you drop off your trash there for free. Many cities or counties require you to pay for their trash service, so this only applies if your local service is optional.
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    good exercise, and gets you
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    of the house.house, and gives you exercise.
    Soda. Tap water is better for you and virtually free.
    Pets. Get one from the shelter. It saves a life and discourages puppy mills.
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    Internet. Try
    NetZero and Juno are still free for 10hrs per month each
    Freedompop offers free wireless internet in some areas after you buy their device (watch for deals on Groupon for refurbished hotspots).
    Your public library
    Your neighbor's wifi (ask first!)
    (view changes)
    9:34 am
  2. 9:22 am

Thursday, November 14

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