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Cutting Grocery Costs without Cutting Nutrition
Simple, healthy, and affordable ways to weather the rising price of food
by Karen Collins, R.D., American Institute of Cancer Research
Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.
read more...
Got a Cute Baby Pic? Free Entry! New $2500 Winner Every Month
Using Insurance to Reduce Risk
econ4u.org
All Choices Involve Risk: There are no risk-free choices. Usually, the best way to reduce risk is to take action yourself. For example, to reduce health problems, eat right, get plenty of exercise, get enough sleep, don’t smoke, avoid drugs and so forth. But, since there is no way to avoid risk completely, a common approach is to buy insurance to help reduce the financial losses that can result from bad things that happen.
How Insurance Works: ...In the real world, the fee (premium) would have to be large enough to cover not only the losses but the cost of operating the business and earning a profit. And because things don’t always go according to plan, an insurance company needs to be prepared for unexpected costs. If 10 residents have their apartments robbed, the insurance company needs to have enough cash in reserve to pay them back, for instance...
read more...
How to Save on Your Grocery Bill
A full cart doesn’t have to leave you with an empty wallet
by Kati Neville
Don’t buy non grocery items at the supermarket. Health and beauty goods are usually cheaper at mass-market retailers, like Target. And you’ll find the best deals on paper products at warehouse clubs.
Purchase oranges, onions, and potatoes in bags rather than individually. You’ll pay roughly half the price.
read more...
Fix, Freeze, Feast
by Kati Neville and Lindsay Tkacsik
In addition to recipes they also have tips for organizing your shopping list, packaging meals and preventing freezer burn...
Are women paid less than men?
by Diana Furchtgott-Roth
One of the concerns of working women is the “pay gap” – the alleged payment to women of 78 cents for every dollar earned by a man. But there are more behind these numbers than first meets the eye, because women work different hours, major in different subjects, and choose different careers.
read more...
Gut Decisions May Not Be Smart
by DEIRDRE VAN DYK
If you have ever struggled with a difficult decision — new job vs. new boyfriend, sports car vs. minivan, read the book vs. see the movie — you have likely also been offered a heap of decision-making wisdom. Make a list of pros and cons. Go with your gut. Sleep on it.
read more...
Make extra cash from Google!!!
Need low-cost health insurance? Protect your family with the right coverage at prices you can afford.
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by Jacquelyn Lynn - Author of Online Shopper's Survival Guide
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A comprehensive guide to buying on the Internet, Online Shopper’s Survival Kit will teach you how to effectively and safely shop online for just about anything. With input from expert buyers and sellers, it discusses strategies for getting a great deal on online merchandise, including the top categories, like cars, real estate, and travel services. It reveals how to recognize and avoid scams and frauds and discusses consumer protection issues.
Shopping online is the easiest way to find the lowest price for whatever it is you want. But there are plenty of ways to save money besides just getting a good buy.
The following is an excerpt from the book The Maui Millionaires
• Sales, specials, and closeouts. Just like brick-and-mortar stores, online retailers often have sales and reduce items to clear out their inventories. Check your favorite sites regularly, or sign up for e-mail alerts.
• Manufacturer rebates. Rebates are not limited to traditional retail transactions -- you can get them with online purchases as well. To find out what rebates are being offered by which manufacturers, visit a rebate-tracking site, such as www.myrebates.com or www.rebateshq.com. But if you find a rebate and use that in your decision-making process, be sure to follow up and file the necessary forms to get your money. Manufacturers know many of their customers won’t bother.
• Online coupons. Online coupons work the same way paper coupons do, except that instead of handing a cashier a slip of paper, you enter a code during the checkout process. Many merchants issue online coupons for various types of discounts; you’ll find them in catalogs, direct mail pieces, and even in the inserts with your order (a way to get you to buy again). You can also find coupons at web sites designed to help you save money. My friend Brian Lewis offers this advice, “Shop and find the best deal on what you want, then go looking for a coupon to bring the price down even further.” An interesting note is that Brian says he feels cheap when he uses a coupon in a brick-and-mortar store but not when he’s buying online.
Online Coupon Sources
The following sites are great sources for finding promotional codes and special offers that can save you big bucks:
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www.ableshoppers.com
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www.coolsavings.com
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www.couponcabin.com
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www.couponmountain.com
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www.currentcodes.com
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www.dealcatcher.com
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www.dealhunting.com
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www.dealtaker.com
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www.fatwallet.com
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www.hotdealsclub.com
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www.shoppersresource.com
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First-time customer discounts and specials. Many e-tailers offer special deals to customers making their first purchase. Those deals might be a discount of a flat amount or a percentage on that purchase, a coupon for discounts on future purchases, free shipping, a free gift, free gift-wrapping, or whatever. If you’re making your first purchase from a particular merchant, check around the site to see what sort of bonuses are available.
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Free or reduced shipping. In general, the buyer pays the shipping for online purchases, but merchants often offer specials on their shipping rates just as they do on their products. An increasing number of merchants are offering free shipping, or free shipping with purchases over a certain amount. A site I buy from occasionally offers special shipping deal of 99 cents during a specified period, no matter how much you order. A friend of mine orders regularly from a few sites that periodically offer free shipping; she waits to make all of her purchases from those sites for the time when she won’t have to pay shipping.
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Have your entire order shipped together. If you’re buying more than one item from a site, it’s possible things will be available at different times. Some sites charge the same total amount for shipping regardless of when various items go out, but some sites charge more if they have to make separate shipments. In those cases, requesting that everything in your order be shipped together can save you money. Also, if you’re not in a rush and the site offers shipping choices, choose the slowest -- it’s usually the cheapest.
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Get on merchants’ mailing lists. Many merchants will ask if you’d like to be on their mailing lists. If this is a company you expect to buy from again, say yes. You’ll get notices of special sales, clearance items, coupons, and other special offers.
Reprinted from Online Shopper's Survival Guide by Jacquelyn Lynn. Published by Entrepreneur Press. Copyright © 2006 Entrepreneur Media Inc. August 2006; $19.95US; 1-59918-024-3.
About Author:
Jacquelyn Lynn is a widely published business writer and highly experienced online shopper. She is the co-author of Make Big Profits on eBay as well as numerous titles in Entrepreneur's Startup Series. Her work has appeared in more than 100 regional, national and international publications. She is the author of 10 books in Entrepreneur Media’s business start-up guide series. In addition, she has ghostwritten several bestselling business books
For more information, please visit www.jacquelynlynn.com or www.entrepreneurpress.com.
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9 Cash-Saving Tips That Pay Big Bucks
complaintsboard.com
The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...
read
more...
Try out these Thanksgiving recipes from tasteofhome
You May Have Too Much Debt But You Also Have Options
How Life Works
If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.
read more...
Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis
OPRAH.com
Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you
devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...
read more...
Could fat babies mean fat toddlers?
A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study
followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of
obesity by age 3 than smaller babies.
read
more...
The 10-Ingredient Shopping Trip
By Tara Parker-Pope and Mark Bittman
... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it
surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.
read
more...
Finding last-minute tuition money
There's still time to find funds for this semester's college tuition. But you'll have to move quickly.
By Gerri Willis
It's only a couple of weeks or even days until school begins. And if you don't think you'll be able to get a handle on your college
tuition bill, here with your guide to last minute money.
read more...
Short-term Payday Loans
econ4u.org
...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when
the loan is repaid promptly. However, these loans are not suited for longer repayment periods...
Being realistic about budgeting can help avoid the need for short-term borrowing.
read more...
Your Just-in-Case Emergency Plan
by RealSimple
Who do you call if you can't make it home in time to meet the kids' bus? Who do
you trust to take in your mail when you're on vacation? Who do you trust with
the extra set of keys to your house?
read
more...
How to save $10,000 in 2009
By Liz Pulliam Weston
If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that
$10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as:
Housing, Transportation, Food.
read
more...
The Super, Sexy, Single Mom on a Budget
by Renee Rayles
A quick reference guide designed for the busy, single mom who has
little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and
then.
32 and Counting? Finding Your Happily Ever After Today
by Gi Gi
The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just
as you are, being single, taking care of your kids...
read more...
Single Mothers &
Male Role-Models / Mentors
Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They
nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another
equally-invested adult.
read more...
Your 5-minute guide to protecting your identity
20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.
read more...
TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.
read more...
Diary of a Wimpy Kid: The Last Straw
by Jeff Kinney
For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...
read more...
Money makeover: Single mom
Jacqui Sentmanat is trying to give her child the best of everything, but who's looking out for her financial future?
by Joe Light, Money Magazine staff reporter
(Money Magazine) -- When you're the single parent of an only child, you want only the best possible life for your kid. That's how Jacqui Sentmanat feels. But it's an expensive proposition.
read more...
The best financial advice ever
Prince Charming isn't coming. Live like a college student.
Never co-sign a loan. Money experts like David Bach and readers like you share the best nuggets of wisdom they have ever received.
by Liz Pulliam Weston
... If you're not doing well financially, maybe you're finally ready to hear some advice that could make all the difference.
read more...
Tips on How to Take Care of Yourself During a Global Crisis
by complaintsboard.com
During these last few months, the stress levels have been on the rise, from people struggling with finances, to the banking stresses, to the swine flu projected pandemic. There is a lot of uncertainty, a lot of unnecessary panic, and a lot of overall fear...
For one thing, with the information overload that is being thrown in every which direction except straight leaves you wondering what is the truth, and what is not? ...
read more...
Live well without going into debt by Donna Freedman
Living frugally (and debt-free) is a lot more fun than living with worry. I'll show you how you can enrich your life without breaking the bank.
read more...
No More Money Stress!
...You have to remain positive..., because anxiety muddies your ability to think through problems clearly. Panic fuels rash decisions that could cost you much more in the long run than those made after careful deliberation.
If you've plunged into a financial funk, just take a deep, serenity-bestowing breath and follow these guides to regain control.
read more...
Saving money - you can do it
Strategies for saving more and spending less
read more
5 lessons the rich can teach you
They don’t just have more money. They spend it, borrow it and save it in ways that might benefit you, too.
by Liz Pulliam Weston
... Studying the habits of this relatively large and growing group of affluent folks can teach us a lot. These people don't just have money; they treat it differently than people farther down the economic ladder.
read more...
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