Frugal Living, Frugal Living Tips, Frugal Recipes, Better Budgeting, Money Saving Tips, Frugal Column, Simple Living, Budgeting Tips
Posted on: July 2, 2009 By BlondieWrites No Comments
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Posted on: June 26, 2009 By BlondieWrites No Comments
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Posted on: June 25, 2009 By BlondieWrites No Comments
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 No Comments
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 23, 2009 By BlondieWrites No Comments
The topic of real estate can be very tricky as the market continually shifts. Sometimes it is a buyer’s market out there with plenty of homes to choose from. Other times the seller’s have the upper hand as more people are looking for quality homes than there are available in the area. Getting the home you want at a price you can afford is going to take some effort on your part. However, since purchasing a home is likely to be the biggest investment you ever make it is well worth it to do your homework before you sign anything.
One of the best ways to do this is to find a home that is worth less than you can afford and then do some repairs and remodeling. If you have the time and the ability to do this on your own you will save a fortune. It can be very expensive to hire a contractor so think about this option only if you are up to the task of completing the majority of the work on your own.
You will be surprised to find out how much money you can save on a home with an unfinished basement area. Yet this gives you the opportunity to design it exactly how you want it to look. It will also double the amount of space you have to use when you first bought the home. This is one of the best ways to maximize your investment in any home. You can add extra bedrooms, a family room, and even a home office in that space.
Homes all over the country are being foreclosed on for non payment daily. These homes are generally put up for auction by the bank that the funds are owed to. You can get a bargain price on the home of your dreams through this process. You will have to be prequalified for a mortgage loan or a line of credit prior to the auction though as you will have to have funds to put down a sizeable amount of the purchase price that day.
If you know the area you live in well, then you will likely know why individuals are moving out of their home. If they are relocating for work or need to sell their home because they are trying to purchase a larger one chances are they will reduce the price to meet your offer just to get out from underneath the home as quickly as possible. This is also true where the couple who owns the home is getting a divorce.
Many people looking for a home go through the process of being prequalified. This allows you to find out exactly what the maximum amount is that you can be approved for when it comes to a home mortgage loan. You shouldn’t disclose that figure to the seller of the home but when you make an offer on the home you do want to include a copy of the prequalification certificate.
The reason for this is that they are more likely to accept a lower offer than the asking price from someone who definitely has the ability to get the financing. This is a signal to them that you really are ready to purchase their home if they price is right for them. They also don’t have to continue looking at offers and then later find out the person couldn’t get the loan to complete the process.
Buying a home isn’t an investment you want to take lightly. Most mortgages cover a 30 year period so the purchase will affect your budget for a very large part of your life. Getting the home you want at a price you can afford takes planning, research, and time. Yet this investment is well worth it to be living in the home of your dreams at a bargain of a price.
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Posted on: June 23, 2009 By BlondieWrites No Comments
Sometimes it seems that you are always trying to budget for different occasions where you need to provide a gift. There are always plenty of housewarmings to attend, weddings, anniversaries, and birthdays to keep you digging into your pocketbook. Since you know you will always need gifts, it can save you plenty of time and money if you purchase such gifts in advance while they are on sale. This is the perfect way to find bargains for gifts so that the recipient thinks you spent more than you did.
To make this concept work well for you, organization is very important! I know people who buy plenty of bargains to give as gifts, but the problem is they can never remember what they have or where it is when they need something. If you create a list and keep it in a safe place you will always know what gifts you have available. I keep them in an air tight Tupperware storage container (that I got on sale!).
If you have children then you know there are always plenty of birthday invitations coming your way throughout the year. When the toy store or another retailer has a sale on toys purchase some common ones. Girls generally like dolls and Barbie’s. Boys will always enjoy cars and action figures. Board games, puzzles, and books make great gift items for both boys and girls.
Try to avoid anything that is trendy because you don’t know how long that fad is going to be in existence. If you give a gift that used to be trendy but isn’t popular anymore it will be very obvious that you didn’t shop for the gift recently. Some children’s characters are always in style though like the Disney Characters and Looney Tunes so you should be save purchasing toys with these themes.
For adults, there are a variety of great items you can find at bargain prices to give them for most any occasion. Flower vases, picture frames, photo albums, and candles all make great gifts for even the most difficult people on your shopping list. These items are timeless as well so it doesn’t matter how long they stay in your gift chest before you give them to someone.
You can even incorporate this concept to purchase birthday and Christmas presents for your spouse and your children. This way you will spend less around the holidays, and you won’t be burdened with shopping while everyone else it that time of year. It can help to keep a list of the items that catch the eyes of those in your family so you can make sure you get the right item when you see it on sale.
Being able to offer someone you care about a very special gift is important, but it can also be stressful when you are pressed for time and money is tight. By purchasing bargain items as you come across then you will always have plenty of great gifts to share without breaking the bank. This will allow you to give people better gifts than if you have to shop for them right before the occasion. Sure, you may get lucky and find a good sale at that point it you can’t be sure it will happen.
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Posted on: June 23, 2009 By BlondieWrites 1 Comment
Most homeowners take great pride in keeping their yard looking beautiful all year long. Yet the cost of such upkeep can really get expensive after a while. You can save money when you buy outdoor items at various times of the year. These bargains will help you have the quality yard you want but without the high price tag.
Fertilizing the grass usually takes place in late spring. It is common for people to fertilize again in the late fall so that the precipitation over the winter can help their grass stay green. If you stock up on fertilizer at the end of the winter you will have plenty for spring but you will get it at ½ the cost or less. The same goes for weed killer. At the end of winter make sure you stock up on plenty of ice melt and a couple of good quality snow shovels. This way you will save money on the items you need for next winter.
There are some big ticket items that generally can be found in any yard. Some of them are a necessity and others are luxury items that allow you to enjoy your backyard more in your free time. Lawn mowers and weed trimmers are very expensive during the spring and summer months. I can’t tell you how many people I know who have had to pay the going price for one because their quit on them. If you know your lawnmower is on its last legs purchase one at the end of the summer when they are very reasonably priced.
Camping is a favorite spring and summer activity for families. Try buying a couple of sleeping bags and a good quality tent during this time of year and you better be prepared to pay a copy hundred dollars for the items. At the end of camping season many of these products go on sale so they can make room for the next seasonal items. This is the best time to replace them.
Barbeque grills, swimming pools, and patio furniture are also great items everyone wants to be able use during the summer months. If you have to purchase a barbeque grill during the summer there are generally sales on them around Memorial Day and Father’s Day. You can get a great deal of an older model that the store is trying to move out to make room for the newer models.
Many retail stores that offer outdoor items also offer credit cards for their store. You can get discounts of various amounts when you purchase these items on that credit card. The secret to getting a bargain this way is paying the balance in full immediately. This way you get the discount on the purchase and you won’t end up paying any interest on the items while you are paying off the balance.
There are plenty of ways to save money when you buy outdoor items. Planning ahead is one of the best ways to save on them, especially those big ticket items that you have to have. Of course it is very important that you store the items you buy to use at a later time in a place where they won’t get damaged or lost. If that happens then you really didn’t get a very good bargain after all!
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