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User Topic: Personal Finance
notmyfairytale
♀ Member
Member # 15348
Default  Posted: 2:54 PM, June 23rd (Monday), 2008View ProfileEdit MessagePrivate MessageHomepage

Bumping this thread because we have several who need it. My offer still stands. I am availiable for help.


me- 30 FBS
him 38 FWS
MadHatter in my First M

Reconciled.

Proud member of the purple Dyson club.

Handle every stressful situation like a dog. If you can't eat it or play with it, pee on it and walk away.

Have you hugged your MOD today?


Posts: 1729 | Registered: Jul 2007 | From: SC
Puppyb
♀ Member
Member # 15226
Exclaimation  Posted: 10:29 AM, July 17th (Thursday), 2008View ProfileEdit MessagePrivate MessageHomepage

Five Signs That You're Living Beyond Your Means

by Glenn Curtis
Monday, July 14, 2008

Many people in America are living beyond their means, as personal savings rates are at their lowest levels since the Great Depression, according to the U.S. Bureau of Economic Analysis. Dwindling savings mean that U.S. households are taking on more debt and are less able to absorb a financial blow like the loss of a job or a downturn in the economy.

If you are concerned that your finances could be in danger, there is a way to tell whether you're in over your head. This article will provide you with five key indicators to watch for. If you find that one or more of them apply to you, it is likely time to reevaluate your spending and work on a long-term financial plan. Recognizing the problem is the first step to finding a solution.

Sign No. 1 - Your Credit Score is Below 600
Credit bureaus keep track of your payment history, outstanding loan balances and legal judgments against you. They then use this information to compile a credit score that reflects your credit worthiness. The numerical rankings go from a low of 300 to high of 850. The higher the better. It's this score that lenders use to determine whether they'll grant a loan. In general, any credit score below 600 means that you are probably in over your head.

If you aren't sure what your credit score is, contact any of the major credit bureaus (TransUnion, Equifax, Experian) and have them send you a copy of your credit report. This document will tell you what the bureaus - and ultimately lenders and financial institutions - think of your finances.

Sign No. 2 - You are Saving Less Than 5%
In 2005, the average rate of personal savings was an astonishing -0.5%, according to the U.S. Bureau of Economic Analysis. That means that not only were we spending all of our income, but also that a good number of us were also dipping into personal savings. This was the worst savings rate that Americans have recorded since 1933 when it was -0.7% during the Great Depression. The rate has bounced back into positive territory, but in 2008, it still hadn't cracked 1%.

A savings rate below 5% means you could be in real danger of financial ruin if someone in your family were to have a medical emergency, or your family home were to burn to the ground. With savings this low, it likely means you wouldn't even have the money to pay the necessary insurance deductibles.
Ideally, everyone should try to save as much as they can, but in terms of targets, the rule most financial advisors suggest is 10% of your gross income. Beginning at age 30, if you were to save 10% of your $100,000 annual income in your 401(k), or $10,000 every year, and earn a rate of return of 5%, that money would grow to more than $900,000 by age 65.

Sign No. 3 - Your Credit Card Balances are Rising

If you are one of those people who pays only the minimum due on their credit card balance each month, or if you send in only a small contribution toward the principal balance, then you are most likely in over your head.
Ideally, you should only charge what you can pay off at the end of each month. When you can't afford to pay off the balance in its entirety, you should try to make at least some contribution toward the outstanding principal.

The importance of paying down credit card balances as soon as possible cannot be understated. A person with $5,000 in credit card debt that makes the minimum payment of just $200 per month will end up spending more than $8,000 and take almost 13 years to pay off that debt.

Sign No. 4 - More Than 28% of Income Goes To Your House

Calculate what percentage of your monthly income goes toward your mortgage, property taxes and insurance. If it's more than 28% of your gross income, then you are likely in over your head.

Why is 28% the magic number? Historically, conservative lenders have used the 28% threshold because their experience has told them that this is the rate at which the average person can get by, make their mortgage payments and still enjoy a reasonable standard of living. Certainly, some homeowners can get by spending a higher percentage on their homes, particularly if they cut back elsewhere, but it's a dangerous line to walk.

Sign No. 5 - Your Bills are Spiraling Out of Control
Buying on credit and paying by installment has become a national pastime. It's much easier to buy a new flatscreeen TV when the salesman breaks down the price in monthly installments. What's an extra $50 per month, right? The problem is that all of these bills start to add up, and you end up nickel and diming yourself into bankruptcy. If your monthly income is being sliced and diced to pay for dozens of unnecessary installment purchases and services, you are likely in over your head.

Lay out all of your monthly bills on your kitchen table, and go through them one by one. Do you have a cell phone bill, a PDA bill, an internet bill, a premium cable TV package, a satellite radio bill, and all of those other gadgets that generate countless monthly bills? Ask yourself whether each product or service is really necessary. For example, do you really need a 500-channel premium cable TV package, or would you really notice the difference if you had fewer channels (and paid less)?

Some of the best places to find savings include your telephone bills (cell and land line), your utility bills (turn off the lights, and don't run the air conditioning if nobody is home) and your entertainment expenses (you could stand to dine out less and to pack a lunch for work).

Bottom Line
As a nation, we are digging ourselves ever deeper into debt. To avoid becoming part of the gloomy bankruptcy and foreclosure statistics, it's important to measure your financial health regularly. The five signs presented here are not a death sentence; instead, they should be seen as symptoms that allow you to diagnose a problem before it gets worse.

[This message edited by Puppyb at 10:30 AM, July 17th (Thursday)]


My current love:-
http://blufiles.storage.live.com/y1perkrFH89ZT1rQyAs5Flq04xyZr004AJTaJkH9NmW_JBi-sm0FpPlTXr8atJSXWLK

Posts: 1556 | Registered: Jul 2007 | From: Toronto, Canada
gibbonsrose
♀ Member
Member # 16280
Default  Posted: 11:50 AM, October 1st (Wednesday), 2008View ProfileEdit MessagePrivate MessageHomepage

Based on the latest economic news... thought this thread deserved a ^bump^.


Me - Befuckled
WH - Limber at limbo *sigh*

Posts: 5040 | Registered: Sep 2007 | From: mountain transplant
gibbonsrose
♀ Member
Member # 16280
Default  Posted: 9:50 AM, October 2nd (Thursday), 2008View ProfileEdit MessagePrivate MessageHomepage

From http://www.doughroller.net/2007/11/06/51-painless-money-saving-tips/:

Combine your cable, internet and telephone service. Companies now offer combined services that not only cost less, but offer the convenience of a single bill.

Slow down your internet service. I went to the slower internet service option with my cable company and saved $15 per month. And I havenít noticed a difference when surfing the Net.

Send away for and follow up on rebates. After you buy a product with a rebate, send in the form that day. Then mark your calendar to remind yourself to follow up with the rebate company if the check hasnít show up.

Buy a refurbished Mac: Iíve written about this before because it is a great way to buy not only computers, but iPods and iPhones as well. You can check out the details on how to buy a refurbished iPhone here.

Convert to a gas water heater. They are more efficient and will save you money in the long run.

Request a reduction in the interest rate for your home equity line of credit. I did and my mortgage company agreed to reduce the rate by more than 0.50%. And if you are looking for a home equity loan, LendingTree Home Equity Loans is a great place to check out available options.

Request a reduction in the interest rate on your credit cards. As with home equity loans, credit card companies sometimes are willing to reduce the interest rate. It canít hurt to ask.

Refinance you mortgage. If you can reduce your interest rate by one percent or more, it is often beneficial to refinance. This is particularly true for those with high rates due to less than stellar credit scores. If your score has improved, you may qualify for a better rate. I would start by asking your current mortgage lender about lower rates. Hereís a refinance calculator to help you determine if refinancing is right for you.

Get rid of Private Mortgage Insurance. If your down payment was less than 20%, you are probably paying PMI. Once you have a 20% cushion through reducing your debt and home appreciation (yes, prices do go up from time to time), contact your mortgage company to start the process of removing the PMI.

Get your books from the library. I love books and read every day. While I buy some of the books I read, most come from the library. Simply put, itís hard to beat free.

Get DVDs from the library. Many libraries now have movies on DVD that can be checked out. If your library offers this service, it sure beats paying Blockbuster or Netflix.

Get DVDs from Red Box. If your library doesnít offer DVDs, get your moves from Red Box. It costs just one dollar per night. You find Red Box locations here.

Read magazines at the library or online. Too many magazines can cost a fortune. And how many times have you bought a magazine based on the cover and been disappointed by the lack of substance. At the library you can read magazines for free. And many magazines now offer their content for free online.

Subscribe to magazines that are must reads. If you must have a certain magazine each month, subscribe.

Subscriptions offer substantial savings over the cost at the newsstand. Update: Amazon offers some great deals on personal finance magazines.

Buy your car over the internet: Search the internet for information on the car you want and then send e-mail requests to dealers for the best price. Even if the dealer is located in another state, the cost to have the car delivered may still be worth it. I paid $500 to have a Honda Odyssey shipped 500 miles and still saved $1,000 over the best local price available.

Request a discount on trash service. For some reason this is a highly competitive business. If you get a better offer in the mail for trash service, call your current trash company and ask them to beat the offer. My trash service has reduced its rates twice in six months to match competing offers.

Never pay checking account fees. I hate bank fees. With so many free checking account plans available, thereís no reason to pay a fee. And if the bank happens to charge you one, ask them to reverse the fee or take your business to another bank.

Get a rewards card. There are many reward cards that pay out in cash or points that can be redeemed for travel or products. Many of these cards donít have an annual fee. I recently traveled to my college reunion for free using points earned from a credit card. My favorite rewards card is American Express Gold Card. It does have an annual fee, although follow this link (American Express) to apply and the first year fee is waived. You can also check out my review of several travel reward credit cards.

Donít pay interest on credit cards. This is obvious, but I soon as you fail to pay off the credit card in full, the high interest payments start to eat away at your monthly budget. If the temptation to spend more than you can pay on a credit card is to great, get rid of the credit card (and ignore the previous tip!).

Take advantage of 0% credit card offers. Iíve saved thousands of dollars using 0% balance transfer credit cards. Again, as long as the cards wonít cause you to spend more, they can offer substantial savings. Make sure, however, that you keep an eye on the balance transfer fee, which can wipe out your savings.

Replace incandescent bulbs with compact fluorescent light (CFLs) bulbs. These bulbs use 75% less energy and last 10 times longer. They do take some getting used to, and they wonít work in every light fixture. But use them where it makes sense and save energy and money.

Drive your car longer. The buy new versus used debate often overlooks the most important factorĖhow long you own your car. Drive it as long as you safely can for substantial savings.

Pay your life insurance annually. Insurance companies charge you more if you pay monthly, quarterly or semi-annually. Pay once a year and youíll pay less.

Pay car insurance semi-annually. At least with my car insurance, they offer quarterly and semi-annual payment options. It costs more to pay quarterly, and twice a year is more convenient anyway.

Increase insurance deductibles. Most of us donít need to be insured for all losses over $100 on our car, for example. Although we wouldnít want to pay a $250 or even $500 deductible, we could. If thatís you, find out how much youíd save from raising your deductible. Iíve raised my deductibles on my auto insurance and home ownerís insurance and saved a considerable amount.

Think before submitting an insurance claim. My rule of thumb is that I wonít submit a claim on a loss that is less than twice my deductible. So for a $250 deductible on an auto loss, Iíll pay out of pocket any loss up to $500. Why? The $250 Iíd receive from my insurance company is not worth the increased premiums Iím likely to pay. You may want to call your insurance agent to find out how a claim will impact your premiums before filing the claim.

Get rid of your home telephone. This is a great way to save money. Many donít do it because of the 911 service, and thatís understandable. But if youíre comfortable relying on a cell phone, thereís no reason to keep a land line. If you do, consider reducing your service to the minimum and only use the phone in an emergency.

Consider VOiP telephone service. We use Internet phone service and have saved substantial money over Verizon service. The phone service has been very reliable, and youíd never even know the signal was being carried over the Internet. Lingo is a great option for VOip telephone service, which costs just $21.95 a month for unlimited local and long distance calling in the U.S. and over 20 countries, and even gives you the first month of service for free (check out my Lingo Review).

Shut vents in unused rooms. This isnít advisable if you have forced air heating, but shutting vents in unused rooms can save on your heating and cooling bill.

Eliminate some cable service. Note that Iím not recommending getting rid of cable completely, although thatís certainly a way to save money. If you must have cable, take a look at all the charges on your cable bill and consider getting rid of some of the service. Try it for a month and see if you really miss those last 500 channels.

Agree to limit gift giving. At Christmas our extended family and we go overboard when it comes to gift giving. Agree in advance to limit the gifts and save everybody some money.

Get healthy. Your health will directly impact the cost of life insurance and, in some cases, can reduce the cost of your health insurance.

Cancel the health club membership. Seems to contradict the previous tip, but evaluate how much you really use your health club. Less expensive options may include a gym at your work or a gym at your local parks and recreation center. Some offer pay as you go options rather than monthly fees, which can be great for those of us who arenít as consistent in our routines as weíd like to be.

Pass on extended warranties. A $129 two year extension on a $300 product is just not worth it. Warranties are insurance, and we rarely need to insure such a small amount.

Take your lunch to work one more day a week than you do now. Eating out at lunch is fun, so I wouldnít eliminate it completely. But taking lunch just one more day a week will keep money in your pocket.

Buy low cost mutual funds. This is easy to miss because the money doesnít come out of your pocket each month. But keep an eye on the cost of the mutual funds in your 401(k) and other investments. My rule of thumb is that no fund should cost more than 1% and the combined cost for all your funds should be less than 0.50%. If you donít believe that even a half percent can make a big difference, read this.

Take advantage of employer 401(k) matches. If your employer matches 401(k) contributions, do everything you can to take full advantage of that match.

Use flexible spending accounts. FSAs allow you to pay certain medical, dental and child care expenses using pre-tax dollars. If your not taking advantage of these accounts, youíre wasting money. Enrollment at many companies is occurring now, so check with your HR department if you have any questions about FSAs.

Get tires from Costco or other wholesale clubs. Simply put, they cost a lot less than buying them at the dealer or even a chain tire store.

Keep tires properly inflated. It keeps you safe and costs less on gas.

Stop smoking. Need I say more?

Drink less alcohol. It costs money and ads calories.

Buy term life insurance. Any other life insurance product is just not worth the extra cost.

Buy generic over-the-counter medicines. They are exactly the same as their branded counterparts and cost less.

Get organized and avoid missed payments. Iíve missed a payment or two because the bill got buried beneath a stack of papers. Get organized and avoid those late payment penalties. If you do miss a payment, call your creditor and ask to have the penalty removed. Theyíll usually accommodate the request, at least the first time.

Buy online when it saves you money. Iíve used Amazon to buy more than just books. It sells just about anything and sometimes at substantial savings.

Consider MythTV PVR in replace of TiVo type services. I just ran across MythTV and am still investigating it. I pay $15 a month to my cable company for a DVR box and would love to save the money. If youíve used MythTV, let us know how well it works. You can get more information about MythTV here.

Use Open Source software when possible. I use GIMP instead of Photoshop. GIMP is free; Photoshop ainít.

Check the insulation in your home. Extra insulation can easily pay for itself in one or two years, and it helps save the environment, too.

Buy energy efficient appliances. Look for the Energy Star on appliances and consider the annual energy cost before buying. More efficient appliances cost more, but you make up the extra cost and then some over the life of the product.

Stay married. Yes, I did say 51 ďpainlessĒ money-saving tips. Yes, I know that some marriages end because of abuse and other extreme circumstances. ďIsnít marriage about loveĒ, you ask. Sometimes. ďYou donít know my situationĒ, you say. True. But I lived through the emotional and financial pain of two divorces as a child, and Iíve been married to the same women for more than 19 years, so I know plenty. Am I telling you not to get a divorce? Of course not. I am telling you that divorce will wreck your finances and your spouseís finances

[This message edited by gibbonsrose at 9:52 AM, October 2nd (Thursday)]


Me - Befuckled
WH - Limber at limbo *sigh*

Posts: 5040 | Registered: Sep 2007 | From: mountain transplant
hope4better
♀ Member
Member # 14919
Default  Posted: 2:43 PM, October 2nd (Thursday), 2008View ProfileEdit MessagePrivate MessageHomepage

Thanks gibbonsrose! This is very helpful and I need all the help I can get with winter coming.


Me: BW-35
Him: WH-35
Kids: 13 and 2yrs (both kids are his)
DDay #1: Summer of 1998 (ow#1)
DDay #2: Summer of 2003 (ow#2)
DDay #3: Summer of 2004 (ow#3)
DDay #4: Summer of 2005 (ow#4 21yr old) He kept this one
Married: 6yrs Divorced: 2007

Posts: 932 | Registered: Jun 2007 | From: midwest
wildbananas
♀ Member
Member # 10552
Default  Posted: 1:56 PM, October 3rd (Friday), 2008View ProfileEdit MessagePrivate MessageHomepage

Bump - just read through this and there is a lot of great advice!


Travel light, live light, spread the light, be the light. ~ Yogi Bhajan

Posts: 15282 | Registered: Apr 2006 | From: Just a Cali girl
UnbearablySadd
♀ Member
Member # 18150
Default  Posted: 1:58 AM, October 5th (Sunday), 2008View ProfileEdit MessagePrivate MessageHomepage

I was reading this thread, and wondered, is there anyway we can each share our typical expenses and ask for suggestions on how to cut back (Preparing for second divorce due to WH starting (apparently) ANOTHER A....).

I ask as a mom of three (from first marriage), and am unemployed.

I read all the articles, and have implemented many of the suggestions. With two kids not at home, cell phones are essential. Should I cut free texting out? It is about 60 a month, but is unlimited. It seems to be all the kids use and allows five of us to share 1400 minutes a month and never ever go over in five years. Thoughts?

Am committing to canceling:
1. land-line
2. Blockbuster movie rental account

Trying hard to:
1. reduce grocery bill.
2. Utility bills (even with auto set back thermostat my heat is almost as expensive as my mortgage).

Most of the other "typical" suggestions don't apply to me (no cable at all, no debt outside mortgage (I pay cc off in full every month), no life insurance, no car payment (I own a 1997 F 150, and my oldest actually has it in another state). MY WS owns and pays for the other cars - which he would take in a D).

I am trying to finish a grad degree in order to get employment. The first divorce took my entire savings, all I have is this house.

If anyone has suggestions for me, would love to hear them.

(and I am NOT a shopper).

Warmly,

US


http://www.youtube.com/watch?v=HGQd8M5t4Ao&NR=1

it's all about James Hunter, now ;)

And here's the 180 link:
http://www.survivinginfidelity.com/forums.asp?tid=256092


Posts: 1379 | Registered: Feb 2008 | From: This side of R that side of S
hope4better
♀ Member
Member # 14919
Default  Posted: 12:21 PM, October 7th (Tuesday), 2008View ProfileEdit MessagePrivate MessageHomepage

Sorry I have no advice for you US but thought I'd bump this for you.


Me: BW-35
Him: WH-35
Kids: 13 and 2yrs (both kids are his)
DDay #1: Summer of 1998 (ow#1)
DDay #2: Summer of 2003 (ow#2)
DDay #3: Summer of 2004 (ow#3)
DDay #4: Summer of 2005 (ow#4 21yr old) He kept this one
Married: 6yrs Divorced: 2007

Posts: 932 | Registered: Jun 2007 | From: midwest
gibbonsrose
♀ Member
Member # 16280
Default  Posted: 1:27 PM, October 7th (Tuesday), 2008View ProfileEdit MessagePrivate MessageHomepage

A tip originally posted by PeacePower in another thread:

www.freecycle.org

"The Freecycle Networkô is made up of 4,612 groups with 5,899,000 members across the globe. It's a grassroots and entirely nonprofit movement of people who are giving (& getting) stuff for free in their own towns. It's all about reuse and keeping good stuff out of landfills."


Me - Befuckled
WH - Limber at limbo *sigh*

Posts: 5040 | Registered: Sep 2007 | From: mountain transplant
Puppyb
♀ Member
Member # 15226
Exclaimation  Posted: 4:48 PM, October 13th (Monday), 2008View ProfileEdit MessagePrivate MessageHomepage

10 (More) reasons why you are not rich

-----------------------------
http://finance.yahoo.com/banking-budgeting/article/105934/10-Reasons-You%27re-Not-Rich

[This message edited by Puppyb at 4:51 PM, October 13th (Monday)]


My current love:-
http://blufiles.storage.live.com/y1perkrFH89ZT1rQyAs5Flq04xyZr004AJTaJkH9NmW_JBi-sm0FpPlTXr8atJSXWLK

Posts: 1556 | Registered: Jul 2007 | From: Toronto, Canada
letting_go
Member
Member # 13774
Default  Posted: 8:40 PM, October 19th (Sunday), 2008View ProfileEdit MessagePrivate MessageHomepage

How to survive on $2000 a month, after taxes.

Rent/Mortgage: $600-$800

Mortgage gets paid before anything else.

Utilities(gas/electric/water): $200-$250

If possible collect rain water to water plants or wash vehicle, etc...

Extras (basic cable, phone): $75-$100

Food (always use coupons from the internet, Sunday paper, local store) for family of 4 or more: $200-$300 a month.

You can save on food by buying meat and bread from the grocery when you purchase meat on the last day the store can carry it and use it for dinner that night. Buy bread from the bakery instead of the grocery store.

Clothing($50 per person per month): $50-$200

Consignment shops and yard sales are great places to stretch a buck.

Buy winter clothes in the summer. Buy summer clothes when it's cold.

Credit Cards: If you have a shopping compulsion and need to pay off your credit cards ask the cc company to deactivate your account or write them a letter to cancel the card. Pay off the highest interest rate card first and put the most amount of money on that card.

Family fun: Check out a FREE movie from the library. Find the FREE family activities in your area. Volunteer to be a chaperone for your kids fieldtrips. Volunteer at festivals, concerts, games,etc...

Car payment: $200-$300 with a warranty for at least the motor/transmission.

Trade vehicle in for the smallest and most fuel efficient vehicle your family can use.

Carpool or take public transportation to work. Do a carpool with other parents to take your kids to school and/or extracurricular activities such as sports.

I hope this helps.


"To change and to improve are two different things."
Anonymous. German proverb.

"It is easier to build strong children than to repair broken men." Frederick Douglass (1818-1895)


Posts: 3704 | Registered: Feb 2007
SRVfan38
♀ Member
Member # 19338
Default  Posted: 11:32 PM, October 19th (Sunday), 2008View ProfileEdit MessagePrivate MessageHomepage

Thanks all, this really has some great tips. Some I am already doing, some I can't do and some I will give a try.

One thing I do that I didn't see mentioned (maybe I missed cause sometimes I'm blind) I make up a meal planner each week. I write down at least 7 meals plus whatever else we need and I stick with the list unless I truely forgot something we need. Before hitting the store, I ask everyone if there is anything they need cause I'm doing grocery shopping. Some weeks are tighter than others and I try to go as cheap as possible with the meals. Like replacing chicken thighs with chicken breasts. Using round steak for fajitas instead of skirt steak. Just a few suggestions.


I want to become the person my dogs think I am.

Posts: 265 | Registered: Apr 2008 | From: Wannabe in Tahiti
SRVfan38
♀ Member
Member # 19338
Default  Posted: 10:18 AM, October 20th (Monday), 2008View ProfileEdit MessagePrivate MessageHomepage

I also wanted to add a couple of other tips.

Don't get a pet. You have to consider vet bills, shots, meds, food. Also if the animal gets sick, the vet bills can sky rocket. If you already have an animal, don't get rid of it, but shop around for meds. I have found absolutelypets.com has the cheapest heart worm meds. Also going with Interceptor instead of Heart Guard is a little more expensive, but I learned the hard way, it will save you in the long run. Interceptor guards against hookworm and whipworm, Heart Guard does not. If your pet gets either hookworm or whipworm you have to get more meds to go through the deworming process which can be expensive. If you absolutely feel you need a pet for your well being, look at rescues. Usually they make sure animals have been spay or nuetured before adopting out which will save on having the surgery. Also, if you use sheets or blankets for your animal, look at garage sales for those. I hit an estate sale, they were just throwing some away thinking they couldn't sell them, I got a stack of old sheets free for my dogs.

Night cream-if you like using one. I have found Crisco works excellent as a night cream. It's super cheap. I've also heard that vasoline works just as good. No, it doesn't make your face break out either. Wash with soap and put on a thin layer of crisco (or off brand) and wash off the next morning.

It has saved me a lot to buy in bulk as well. I did see that mentioned. I do go to Sam's, but!!!! you really have to watch what you buy, it's not always the cheapest. Toilet paper, laundry detergent, dishwashing soap, things like that are usually cheap, but some of the grocery items are not any cheaper than Walmart or the grocery store.

Make up. I'm discovering that some of the make up bought at Walmart or the drug stores do not last as long. They seem to fall apart and flake. Look for sales at Dillards, Von Mar, ect. Take advantage of those sales. You pay a little more, but the make up lasts much, much longer than the cheaper stuff. I got just a sample of Este Lauder mascara, very small one with the purchase of eye liner and the sample has lasted a whole year. Have not even used half of the eye liner. I'm finally running low on the mascara. I know this does not apply to men.

Look for sales!!! Garage sales are great. Just spent $50 over the weekend on a ton of clothes for my daughter at my neighbors garage sale. My daughter is set for at least a year. I saw something mentioned about buying summer clothes in the winter and winter clothes in the summer. Most of the time that works.

OH, and one last thing. If you drink sodas, avoid going to the local gas station or soda machine for that. Buy the 12 or 24 packs, way cheaper, but that one is a no brainer.

Just a few every day tips that I have discovered through experience.


I want to become the person my dogs think I am.

Posts: 265 | Registered: Apr 2008 | From: Wannabe in Tahiti
gibbonsrose
♀ Member
Member # 16280
Default  Posted: 12:15 PM, December 9th (Tuesday), 2008View ProfileEdit MessagePrivate MessageHomepage

The Christmas crunch is upon us.

Does anyone have tips for Christmas shopping? As in, coupons, great deals you've found at specific stores, gift ideas, etc?


Me - Befuckled
WH - Limber at limbo *sigh*

Posts: 5040 | Registered: Sep 2007 | From: mountain transplant
Pippy
♀ Member
Member # 16482
Default  Posted: 9:49 AM, July 19th (Sunday), 2009View ProfileEdit MessagePrivate MessageHomepage

This thread has been idle a long time so I am bumping it.

My money saving tip?
If you are apartment hunting, and live where there is a Winter season, pick an apartment that is surrounded (someone on each side and upstairs and down) Avoid the first floor/basement for this reason. I rarely have to turn my heat on. The neighbors pay my heating bill.


I divorced him because I didn't like his girlfriend.
M 30 yrs.


Posts: 9584 | Registered: Oct 2007 | From: East of the Rockies
PixieDust
♀ Member
Member # 21842
Default  Posted: 5:15 AM, August 6th (Thursday), 2009View ProfileEdit MessagePrivate MessageHomepage

Bumping

And....to bring up Dave Ramsey's The Total Money Makeover b/c its done wonders for me and Mr Pixie and our finances. We dont follow everything he says, but just half way following it has been really good for us. If you havent read his book, I highly recommend it.

A lot of it is common sense. But I guess Mr Pixie and I were sort of lacking in that. Probably why we ended up at SI in the first place.


Me(38): FWW/BW
Him(33): FBH/WH
Married: 6 years
DD(2), DS (8mo)DS in heaven
Status: Learning a bunch of new letters: SA, SAA, CSAT and COSA. How fun.

Posts: 150 | Registered: Nov 2008 | From: Texas
Hope4TheFuture
♀ Member
Member # 25382
Default  Posted: 5:22 PM, September 8th (Tuesday), 2009View ProfileEdit MessagePrivate MessageHomepage

A great website is consumerist.com

I fund my "fun" stuff with my "$5.00 Bill Savings Account". Any time I get a $5.00 in change, I throw it in a drawer. When I have $100, I bundle it and put it in a strong box. You'd be surprised how fast it adds up and you then have some cash on hand if you have an emergency.

Hope4


Posts: 604 | Registered: Sep 2009 | From: in the void
dreamlife
♀ Member
Member # 8142
Default  Posted: 12:43 AM, September 15th (Tuesday), 2009View ProfileEdit MessagePrivate MessageHomepage

Using indoor/outdoor clotheslines saves your clothing and $350 + each year.


~XWH told me what I wanted to hear but he always did whatever he wanted to do~

Posts: 25351 | Registered: Sep 2005
Pioneer
♂ Member
Member # 25287
Content  Posted: 2:11 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

[This message edited by Pioneer at 11:17 PM, October 31st (Saturday)]


Divorced 1st wife after the dumbass left her "cheating journal" out, after I returned from Desert Storm. Piss on her and good ridance, I'm done.

Posts: 185 | Registered: Aug 2009 | From: West Virginia
NewAttitude
Member
Member # 1030
Default  Posted: 3:03 PM, October 31st (Saturday), 2009View ProfileEdit MessagePrivate MessageHomepage

I'm available for helping if anyone needs pointers to begin grocery couponing.

Through my use of coupons my family's grocery bill has been cut down to $200 a month. That is for four people and a dog.

I've posted my good bargains from time to time but if anyone needs specific help or pointers let me know.


Pain is inevitable; suffering is optional.

Posts: 58732 | Registered: Jan 2003
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