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Time to think

January 7th, 2015 Posted in Business, Finance Tips, Savings Tips

business-time-11291126308C1YDo you know where the majority of your money went last year? If not, maybe a ‘where did it go sheet’ would help. Using either a computer or paper, create a sheet with columns and very broad categories. Then whenever you spend, money write it down on the sheet. Then at the end of the year (or month even) you will have a general idea where your money went. For detailed instructions on how I do it email me at chel106638@yahoo.com

Happy Holidays!!

December 30th, 2014 Posted in Business, Savings Tips

Time to get financially ready for the new year. From a fortune cookie “the architect of your destiny is your self” so create a plan that works for you. Start by knowing where your money goes!! Use paper and pen or something on your computer what ever works for you. You can always change your tracking system what is really important is just do it. Most people don’t plan to fail they fail to plan.

Affordable Care Act Website

November 27th, 2014 Posted in Savings Tips, Seniors

OK it is sign up time again for Obama care. Here is what I found this year. If you have not been on the Healthcare.gov website in a while you will probably have to reset your password. Which means in most cases that you have to make a phone call to the phone number on the sign-in screen and have your account unlocked. Take your time do it when there are no interruptions and take lots of deep breaths. The site is a lot better then last year. You can compare plans before doing the application, check them over, make phone calls if necessary get answers to your questions then pick a plan. Our monthly cost actually went down and our drug cost went up

Budget your giving!

November 19th, 2014 Posted in Savings Tips

bellringerWell it is that time of year again when everybody has their hand out.  Giving to a charity is great so long as you give what you can afford not what someone makes you feel guilty about.  Also make sure what ever you give is actually going to the charity.  Also watch where you park when shopping and be aware of your surroundings and never be afraid to ask for an escort to your car.

Money Clutter

September 24th, 2014 Posted in Business, Finance Tips, Savings Tips

Don’t get bogged down in clutter…..Have a system for keeping track of your spending. Don’t forget to pay bills it will cost you in more ways then you can imagine. Some bills can be automated through your bank, other times you can get reminders sent to you either from your calendar or through e-mail. Sometimes just keeping a list with paper and pencil is best. Do what ever works for you. I use what ever works best for that bill.

Michele

If you do have clutter, why not get money for it!  Here’s a Facebook page setup to help you do just that…

https://www.facebook.com/pages/Money-For-Clutter-Com/210371549003616

National Bulk Foods Week October 12-18

September 17th, 2014 Posted in Products, Savings Tips, WholeSum Thoughts
Again this year, the Bulk is Green Council (BIG) is sponsoring National Bulk Foods Week to raise awareness about the environmental and economic benefits of buying foods from bulk bins. In 2013, more than 1,200 grocery stores and co-ops across the country joined BIG in celebrating National Bulk Foods Week.
BIG was founded in 2008 to highlight the advantages of bulk buying — which offers consumers the opportunity to save money, reduce food waste and decrease their carbon footprint through reduced packaging.
The U.S. Department of Agriculture (USDA) and the U.S. Environmental Protection Agency (EPA) say that roughly 30 to 40 percent of the food supply in the United States goes to waste. The EPA also reports that more food goes into landfills nationwide than any other single material — more than 34 million tons of food waste in 2010. Buying food in bulk, with the ability to buy the exact quantity needed, results in less food waste. National Bulk Foods Week encourages consumers to be conscious of the waste they produce and offers a ready path to more sustainable buying.

If you are interested in buying bulk foods, checkout www.frontiercoop.com and contact Laura with your order….always 20% off SRP of most products listed including BULK!

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.

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