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Holiday Spending

November 4th, 2014 Posted in Finance Tips, Money Saving Tips

presentOkay, it is the beginning of holiday shopping season so beware of the commercials. Don’t overspend! Make a list and try to stick to it. Layaway can be a great way to not be in debt after the holidays. Just remember when your list is complete stop shopping, relax and enjoy time with family and friends!

The Simple Dollar

Our work has been carried by some of the country’s top media outlets, including Forbes, CNN, and US News & World Report. We recently published a free online guide to financial independence for women that I believe has a lot to offer your members and others in your local community.

Our guide is designed to provide women with a thorough, step-by-step introduction to securing and maintaining financial independence. We worked hard to produce a guide that introduces all the basics while also delivering expert insight and practical budgeting, spending, and saving tips that women can use to make a real difference in their financial lives. I think our guide can serve as a valuable resource for club members, while also aligning closely with your efforts to improve your local community.

Take a look at our work here: <http://www.thesimpledollar.com/guide-to-financial-independence-for-women>

We start by introducing the special challenges that many women face when it comes to building a strong financial foundation. For example, the average woman spends 12 fewer years in the full-time workforce than the average man, primarily due to child-rearing responsibilities and a greater reliance on part-time work. Women also enjoy a longer average life expectancy than men, creating a greater need for savings to fund a longer retirement. These and other challenges mean that women must take special care to begin laying the groundwork for true financial independence as early as possible.

Our guide – which is completely free and instantly accessible to anyone – then goes on to cover the basics of cash flow analysis and household budgeting, two fundamental skills that are critical to maintaining financial independence over the long run. We also break down the key strategies women can use to deal with debt and save for retirement successfully.

Jump to the section of our guide that details saving strategies here: <http://www.thesimpledollar.com/guide-to-financial-independence-for-women/#step-4-save>

While this guide is one of our newest productions, universities and professional associations are already linking to it and our other guides as trusted resources. Here are some examples:

Financial padding

September 10th, 2014 Posted in Business, Finance Tips, Money Saving Tips

butterflyanimation-14If you are thinking about a major purchase that will have to be paid off over a few years, be very careful about predicting your future income. As Forest Gump said “life is a box of chocolates you never know what you might get.” Emergencies happen and just when you think it can not get any worse it does. Give yourself a cushion with lots of financial padding.

Better than bleach

September 3rd, 2014 Posted in Money Saving Tips, Savings Tips

Rubbing_alcoholRubbing alcohol has more then one use. It is great to use to help clean, shine and sanitize your house. Just pour some into a spray bottle and then you can spritz it on the bathroom chrome, it will help make it shiny and germ free. It also works well in the shower to kill germs and cut soap scum. Kills germs without the dangers of bleach.

 

Details count!

August 26th, 2014 Posted in Money Saving Tips, Savings Tips

changeOK here is another way you might save some money. Found this by accident when going paperless on my car insurance and saving $90 per year the insurance company updated our profile. The insurance company some how realized that my husband had attended college so we go a discount of $40 per year. So make sure that your profile is up to date on your insurance policies you never know how much you might be able to save.

Going Paperless

August 19th, 2014 Posted in Business, Money Saving Tips, Savings Tips

paying-billsIf you are willing to go paperless you may be able to save money. I recently inquired about a discount on my auto insurance for taking a safe driving course and was told the savings was 4 dollars a year but if I was willing to go paperless it was 90 dollars a year. Yes save 90 dollars by going paperless. It took approximately 10 minutes to do and I still had the same payment options. Check with companies that send you paper and see if going paperless can save you dollars.

Make a Habit of It

August 12th, 2014 Posted in Business, Money Saving Tips, Savings Tips
save your money

save your money

Saving is like dieting it is not a one time thing. It is a way of life. It takes a lot of work but is well worth it once you get the hang of it. Don’t be like the man who just told me he had been retired but gave it up because he ran out of money.

Save Automatically!

If you are having a problem saving, try setting up an automatic deposit to your savings account. Either split your deposit of your pay check if allowed or set up a deposit from checking to savings where you bank. Try to find more then one purpose for things you already own. I found how to make pencil holders from old floppies. The internet is just full of all kinds of ideas.

Here are some links to a few:

http://www.cherylstyle.com/group/creative-crafts/?gclid=CJnCr7n3_r8CFWho7Aod4TYAVw

http://www.pgeveryday.com/home-garden/crafts?utm_source=google&utm_medium=cpc&utm_campaign=Home+%26+Garden.+Search+_Computer_LifeStyle+%28+New%29&utm_term=diy%20crafts&utm_content=s8hNkTpa6_dc|pcrid|45358856240|e|diy%20crafts

http://www.diynetwork.com/topics/crafting/index.html

Evacuation hurricane tips

June 24th, 2014 Posted in Educational Forum, Money Saving Tips

hurricane-isabel.jpg.adapt.590.1Anything that can blow around should be taken inside such as lawn furniture. Before you leave shut off the power at the main breaker, also your main water line coming into your home. Make sure you take phone numbers or web addresses for any insurance that you have. Try to take at least three days supply of clothes and medicine. Don’t forget food and water for your family. Check ahead (like now) for shelters that take pets or for people with special needs. Planning ahead is the key to not standing around waiting for a hand out.

Image courtesy of Victor Habbick/ FreeDigitalPhotos.net.

Double duty products.

June 11th, 2014 Posted in Money Saving Tips

lemonsCorn starch is great in the kitchen but can also be used in place of powder. I put mine in an old spice jar with a sprinkle lid it is very refreshing. One website also claims it is great for helping loosen knots. Lemon juice is great in stead of salad dressing saves money and calories, but did you know it is also great for removing soap scum from shower doors. I keep my lemon juice in a spray bottle I bought at the dollar store spray the salad, spray the shower doors.

Here are links to sites with more tips:

Choice.com

Penny Pinching Grandma

31 Household Cleaning Tips

Little Steps: 100 Great Tips For Saving Money For Those Just Getting Started – See more at: http://www.thesimpledollar.com/little-steps-100-great-tips-for-saving-money-for-those-just-getting-started/#sthash.rP4SEEY3.dpuf
Little Steps: 100 Great Tips For Saving Money For Those Just Getting Started – See more at: http://www.thesimpledollar.com/little-steps-100-great-tips-for-saving-money-for-those-just-getting-started/#sthash.rP4SEEY3.dpuf

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