Posted by: laserlover2000 | August 2, 2009

How to save money at the gasoline pumps 24×7

How would you like to track gasoline prices on your own and save money at the pump 24X7? There’s a way to determine how gasoline prices are trading in the futures markets so that you can predict what will be transpiring at the pumps. By making yourself more informed you can empower yourself and save alot of cash over your lifetime of commuting.

Two items that you’ll Need:

  • Internet
  • Computer

Step 1

Why

 

should you inconvenience yourself by tracking gasoline futures prices? You should track these prices because it directly impacts you every time you fill up your car at the gas pump. The futures prices are the driving force behind the prices at the pump, so if you track these futures prices you’ll be ahead of the game.

Step 2

How can you track gasoline futures?

Websites

 

like Bloomberg and CNN Money both have commodity futures pages where you are able to track these prices. The prices are delayed by about 30 minutes or so. On this same screen you’ll be able to also view the prices of natural gas, crude oil, heating oil, and other commodities. I have included links to both of these internet sites in the resources below.

Step 3

It takes a little time to show up at the pump

How

 

long does it take for these changes to hap at the pump? More often than not if gasoline futures trade significantly lower one day on the market, you can expect prices at the pump to move lower within 10 days or so. Plan your purchases accordingly and you should be capable of saving some serious money at the pumps.

Step 4

Why

 

is the price of gasoline futures so different than the cost at the pump? For instance, the price of unleaded gasoline futures may be $2.50, but the price at the pump may be $3.40. The difference here is largely due to taxes. In general it can be expected that the average pump price should be somewhere between 70 and 90 cents above the futures market price.

It takes a little time to show up at the pump

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Posted by: laserlover2000 | July 22, 2009

Closing a credit card – The pro’s and Con’s

You’ve finally paid back that charge card. It’s sitting in that location with no morebalance on it and you  hate  ever having it. It’s fetched a high rate of interest and no rewards program and you’ll never use it again.
But should you cancel it? This is an interesting argument that frequently occurs up in personal finance circuits. I believe there are benefits and problems disregardless of which you select and the “better” answer isn’t unconditional in all cases.
So here’s the low-down.
If you hold on to the card…
If you choose to keep the card, there is a couple of things you had better think about.
First, merely accepting the card is an  identity theft hazard. If you no more actively use the card, the danger is fairly modest, and you will be able to make the risk even lower by taking action.
Second, not closing the credit card opens the doorway to spending enticement. Apparently, if you have got the forte of character to liquidate all of that debt, you are able to hold the temptation under control.
There are two big steps you will be able to accomplish to bring down the two chances above even more, chopping them down to an unbelievably tiny splinter.
For one, demolish the active card. Cut it in half so that there is no danger of misplacing it or having it stolen. I  actually melt the charge cards over a fire (Honestly – I’ll chuck them into campfires).
For another, withdraw your credit card data from any internet retail merchant that might still have it. Look at your Amazon account statement or any other retail merchant you may use and make certain your 0 balance credit card Is not listed there. Just take the information entirely out of the system.
If you close the credit card…
Let’s suppose you select to close the card. What are the problems of canceling it?
The huge one is that canceling a credit card leads to a negative knock on your credit score. This disconfirming knock vanishes after around a year or so, but during that twelve months, your lower credit score can buoy  some short-term negative deductions. It can drive your insurance rates climb. It can slim down your opportunities for acquiring employment.
The big one, though, is that it could also damage you if you are trying to acquire mortgage. An inferior credit ranking right at the time when you are seeking to insure a home mortgage isn’t a good option.
So what had I better do?
From my view, the solution is uncomplicated. Before you do anything, ask yourself if you’re planning on switching jobs or acquiring a mortgage or a automobile loan in the next year.
If you’re expecting  a major change like this in the short-run, do not close the credit card. The gamble of the short term drop in your credit rating is higher than the gamble of just mangling the card and forgetting about it.
Alternatively, hack up the credit card, but hold onto the account till you are beyond that bump that you are confronting in the short-run. When you’ve pulled through, then make the call and close that charge card.
On the other hand, if you do not experience a major change in your future, close that credit card. Doing so extinguishes the enticement and annihilates the (low) gamble of identity theft.

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Posted by: laserlover2000 | July 22, 2009

Can’t pay your doctor? Charge it!

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CIMB Petronas MasterCard Gold Credit Card by liewcfAmericans are choosing credit cards over money when it comes to paying up the almost $300 billion they mop up annually in medical charges — the principal cause of bankruptcy — every year, CNNMoney.com announced earlier this month. The result is customers are only sliding down deeper into debt as they attempt to keep themselves healthy enough bring in more money to pay off the credit cards:

 

“Out-of-pocket health care spending was already increasing in good times,” said Bruce Carlson, publisher with health care market research firm Kalorama Information. “Now with high unemployment, consumers have to reach into their pockets even more to fund their health care.”

 

The story continues to state customers are also passing over their bills altogether, furnishing hospitals and physicians all the more willingness to accept credit card payments. Which is fantastic for credit card companies, besides the fact that they’re clients are failing on their immediate payment  more often.

 

Can’t pay your doctor? Charge it!

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Posted by: laserlover2000 | July 21, 2009

How to get traffic for your blog

Many of my readers have ambitions to become power bloggers and aspire to make a living of it. Letr me tell you that it’s not easy. With certain caveats and some general guidelines you can get off to a good start. Tonight I found this valuable post by Seth Godin. If you have dreams of becoming a Pro=Blogger Seth gives some of the best advice in cyberspace. Here’s a link to his typpad blog: http://sethgodin.typepad.com/

My friend Fred, a talented blogger, asked me for advice the other day. Here’s a partial answer, with a few apologies to Swift: (and when you’re done with this list, feel free to read my post about shark attacks).

  1. Use lists.
  2. Be topical… write posts that need to be read right now.
  3. Learn enough to become the expert in your field.
  4. Break news.
  5. Be timeless… write posts that will be readable in a year.
  6. Be among the first with a great blog on your topic, then encourage others to blog on the same topic.
  7. Share your expertise generously so people recognize it and depend on you.
  8. Announce news.
  9. Write short, pithy posts.
  10. Encourage your readers to help you manipulate the technorati top blog list.
  11. Don’t write about your cat, your boyfriend or your kids.
  12. Write long, definitive posts.
  13. Write about your kids.
  14. Be snarky. Write nearly libelous things about fellow bloggers, daring them to respond (with links back to you) on their blog.
  15. Be sycophantic. Share linklove and expect some back.
  16. Include polls, meters and other eye candy.
  17. Tag your posts. Use del.ico.us.
  18. Coin a term or two.
  19. Do email interviews with the well-known.
  20. Answer your email.
  21. Use photos. Salacious ones are best.
  22. Be anonymous.
  23. Encourage your readers to digg your posts. (and to use furl and reddit). Do it with every post.
  24. Post your photos on flickr.
  25. Encourage your readers to subscribe by RSS.
  26. Start at the beginning and take your readers through a months-long education.
  27. Include comments so your blog becomes a virtual water cooler that feeds itself.
  28. Assume that every day is the beginning, because you always have new readers.
  29. Highlight your best posts on your Squidoo lens.
  30. Point to useful but little-known resources.
  31. Write about stuff that appeals to the majority of current blog readers–like gadgets and web 2.0.
  32. Write about Google.
  33. Have relevant ads that are even better than your content.
  34. Don’t include comments, people will cross post their responses.
  35. Write posts that each include dozens of trackbacks to dozens of blog posts so that people will notice you.
  36. Run no ads.
  37. Keep tweaking your template to make it include every conceivable bell or whistle.
  38. Write about blogging.
  39. Digest the good ideas of other people, all day, every day.
  40. Invent a whole new kind of art or interaction.
  41. Post on weekdays, because there are more readers.
  42. Write about a never-ending parade of different topics so you don’t bore your readers.
  43. Post on weekends, because there are fewer new posts.
  44. Don’t interrupt your writing with a lot of links.
  45. Dress your blog (fonts and design) as well as you would dress yourself for a meeting with a stranger.
  46. Edit yourself. Ruthlessly.
  47. Don’t promote yourself and your business or your books or your projects at the expense of the reader’s attention.
  48. Be patient.
  49. Give credit to those that inspired, it makes your writing more useful.
  50. Ping technorati. Or have someone smarter than me tell you how to do it automatically.
  51. Write about only one thing, in ever-deepening detail, so you become definitive.
  52. Write in English.
  53. Better, write in Chinese.
  54. Write about obscure stuff that appeals to an obsessed minority.
  55. Don’t be boring.
  56. Write stuff that people want to read and share.

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Posted by: laserlover2000 | July 20, 2009

Living the Zen way

There is much to be said for Zen living and mindfulness. It offers something for everyone and the beauty and power lie in its simplicity to cultivate. I have been a devotee of Zen for a number of years now and keep a journal to constcntly reference when a situation arises. Start your own journal today and see your life in the way that it was meant to be seen…..and lived.
1. one thing at a time
Multitasking is impossible. Watch yourself when you attempt it. What you are actually doing is turning your attention from one thing to another, to another, rapidly. And, because changing your focus takes energy, nothing gets your full attention.
Experiment: watch your favourite tv show and have a conversation at the same time.
Zen living: Do one thing at a time. Full focus, to a pre-determined point of completion. Big projects require that you break them into bite-sized pieces, and finish a segment. Then shift attention. For most things, ‘chop wood, carry water.’ Do the task at hand with full attention.
2. speak for yourself
The only authentic pronoun is ‘I.’ All I can reliably talk about is what I am thinking, feeling, and doing.
Example: think about something you might consider a ‘we’ thing. “We’re going to play ball.” Well, maybe a bunch of people are each, individually, playing ball, but there is no ‘we,’ period. Nor can you say anything reliably about another person. “I know what you are thinking,” is impossible. I only, at best, am aware that I think I know what you are thinking.
Zen living: Speak only for yourself, by using “I think…”, “I imagine…”, “The story I’m telling myself…”, etc. Own your experience, and share it, as it’s all you can ever know.
For more hints on how to have an excellent relationship, read this article!
3. choose
You may be able to play around in your head, and come up with millions of options, but (see point 1) you can never enact more than one thing at once. Thus, creating a million options is enacting a single thing – the act of imagining many options. Therefore, choosing to think of options as opposed to picking one and doing it is a choice.
Experiment: See if you can find anything you do (think, feel, interpret, etc.) that you are not freely choosing. Once you get this, you’ll quickly stop messing with yourself, and ’simply choose.’
Zen living: choose one thing, commit to it, and see it through. If you do not like the result (this is important!) choose something else, and try that. Stop doing what does not work!
4. Be grateful
Everything is One, and everything is connected. Nothing exists as a singularity, on its own, apart from something else, and everything comes from something else.
Experiment: Think about the stuff around you, and see connections. For example, I’m presently eating a salad with tuna fish. Apart from Dar, who made the salad for me, imagine the countless people involved in making that salad possible – farmers, fishers, packers, pickers, etc.
Zen living: Be grateful. You wouldn’t last long if not for the people and ’stuff’ that surrounds you – the air, water, land, etc. Call this to mind as you engage with the stuff of life, say ‘thanks,’ and really mean it.
5. No duality
Of course, stuff happens that we know ought not to happen. It is a real, and crazy world out there. That being said, labels are inherently useless. No good, no bad, no right, no wrong. It’s all ‘as it is.’ What is, is, and what is required is not a lecture but an action.
Experiment: This is an exercise in consciousness. If you are attracted to something, move forward and embrace it. Try it out, and see what happens. If repelled, move away, and act forcefully against it.
Zen living: No duality. Know that judging is something you’ll do until you die, but you can notice and stop your mind for a moment, and then act in keeping with your feelings, interpretations, and intentions. Most say, “Isn’t it awful” and do nothing. Instead, say, “It is what it is,” act, and move on.
6. Detach
Attachments are silly, and based upon the idea that I can grasp someone or something, and by the act of grasping, keep it the same, or ‘just keep it.’ A friend wrote: “I don’t want the fantasy to end!” Guess what: it already has ended, and had to end, because nothing is static – all is in motion – all is change.
Experiment: Create a list of all of the things, by force of will, that you have kept ‘exactly the same.’ Is a list a list if there are no items on it?
Zen living: Detach. Let go. Hold loosely. When you attempt to grasp someone or some thing, you are actually trying to hold on to, and freeze, the past. To do this requires that you exit the moment, and go into your head, and play with memories. Memories aren’t real. Real is here and now.
7. pay attention
Be Here Now. It’s the only way to actually have a life. Mooning over the past or living in the future “…then I’ll be happy…” is a sure fire way to get into trouble. You snooze, you lose.
Experiment: In Zen monasteries, a bell is rung at irregular intervals. The monks stop, and contemplate their level of ‘presence’ when the bell rang. Find a way to do the same – perhaps set a timer, and see where your attention was when it goes off.
Zen living: Pay attention. As you find yourself drifting off into thoughts and plans, plots and dreams, have a breath and bring yourself back to now. Interesting, real stuff is happening, and can only be appreciated by bringing yourself into the
This Endless Moment. And what does it say about you if your fantasy life is more chargy and fun than your ‘real life?’
8. Make contact
Being present by definition is a reaching out and embracing of life, and then a letting go. In this way, my hands are empty and prepared for the next embrace.
Think: Most people live in an invisible bubble, designed to keep ‘bad stuff’ out and ‘good stuff’ my private property. Yet, it is only when I let down my ’shields’ that I can interact with the moment.
Zen living: Make contact as you imbibe life. Take it in, touch it, caress it, set it free. Be passionate about your engagement with what you encounter, never wavering in your  ‘present moment’ focus.
9. Don’t do it, be it
Zen living and being is not a game of, “look at my new skill set!” One guy couldn’t figure out how to make time to meditate. I suggested he think of his entire life as meditation. Different focus, different direction.
Zen living: Don’t do it, be it. Live life as an action that encompasses your being or essence. This is tricky to language, but it’s about a full, purposeful commitment to a way of being that includes thought, feeling and action. Take the other 9 points and see them as focusing points as to what such being might look like, as you enact yourself in the here and now.
10. Celebrate
Indeed, you are unique, just like everyone else. Your uniqueness is contained in the gifts you possess and your willingness to empty yourself as you share ‘your song.’ Most are so fearful of being laughed at that they hold their unique song in. How sad.
Zen living: Celebrate. Dance in the rain, sing your soul, shout your art, be your being. You are the only ‘you’ that will ever exist on this planet. Be yourself, and see with clear eyes. Your smile will set the world aflame
 
Like this article?

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Posted by: laserlover2000 | July 12, 2009

How to Stop Obsessive Worry

 

How to Stop Obsessive Worry

 

 

Most people worry about things occasionally, which can be useful in situations such as planning for the future, preparing for a test, or checking things before a trip. However, when worrying becomes unproductive, excessive, or difficult to control, it may be pathological. Difficulty controlling worrying is what distinguishes pathological worry from the normal kind of anxiety that most people experience when they prepare for an important event or challenge. Pathological worrying is sometimes described as obsessive worrying. Obsessions are intrusive and mostly nonsensical thoughts, images, or urges that a person tries to control, resist, or eliminate. In other words, an obsession is a recurring thought, such as worry, that outweighs any other thought. In order to cope with the weight of obsessive worry, psychologists have identified several cognitive-behavioral activities that can be useful in reducing the frequency and intensity of obsessive thoughts. Some of the following ideas have been summarized from The Anxiety and Phobia Workbook (Bourne, 1996).

 

Obsessive worry is like a negative spiral.

The longer you spend time with an obsession, the deeper into it you can get. A mental obsession can also be viewed as a form of trance. The more you induce it by repetition, the more entranced you become and the more difficult it may be to “break the spell.”

 

The downward pull of an obsessive spiral can be very compelling.

Following the path of least resistance is likely to keep you going round and round until you are eventually feeling down and out. Deliberately choosing to break out of the obsessive thinking may be difficult at first, especially if you’re highly anxious. With practice, it will get easier. Below are some examples of alternative activities and experiences that will help you shift your mind away from obsessive thinking.

 

It takes a deliberate act of will to stop obsessing.

You need to make a deliberate effort to move away from circular mental activity and get out of your head by “shifting gears” to another modality of experience, such as bodily activity, expressing emotions, interpersonal communication, sensory distraction, or a specific ritual. In some cases, an alternative, positive obsession may help. For example, the vicious cycle of negative worry can sometimes be replaced by positive obsessions such as uplifting thoughts, affirmations, or slogans.

 

Find an alternative positive obsession.

In addition to focusing on uplifting affirmations or slogans, there are other types of “positive obsessions” that can be helpful. For example, try working out a crossword puzzle, performing a jigsaw puzzle, or even studying or writing.

 

Engage in physical exercise.

Although difficult at first, engaging in physical activities may help you break the obsessive cycle. Physical activities can include your favorite outdoor or indoor exercise, dancing, walking, or household chores.

 

Use visual and sensory-motor distractions.

Find an enjoyable activity in which you can “lose yourself” in the moment of the activity itself. Effective distractions can involve your computer, television, movies, video games, uplifting reading, or even a rock garden. Spend some time engaging in with arts and crafts, repairing something, or gardening. Any healthy activity can be useful if it is one in which you lose track of time while engaging in the experience of the activity.

 

Listen to evocative music to release repressed feelings.

Repressed feelings–particularly dysphoric emotions such as sadness or anger–may underlie and “drive” the obsessive thinking. Music may help you get in touch with your feelings that are below the surface of your obsessions.

 

Talk to someone.

Use the old adage, “Don’t worry alone.” Instead, talk with a trusted person about something other than the worry, unless you want to express your feelings about it. People who engage in obsessive thinking tend to focus on their thoughts rather than their feelings. If you can learn to share your feelings, it may help dissipate your obsessive thinking.

 

Use visual imagery.

Some research suggests that chronic worriers are people who engage in frantic, intense thought processes without accompanying images of the threat (Borkovec, Shadick, & Hopkins, 1991; Roemer & Borkovec, 1993). In other words, chronic worriers may think so hard about upcoming problems that they don’t have any attentional activity left for the important process of creating images of the potential threat. With the help of a psychologist, you may be able to learn how to form mental images associated with negative affect which, paradoxically, can be processed in a way that helps reduce anxiety and worrying.

 

Use progressive muscle relaxation.

Progressive muscle relaxation is a stress management technique by which you can learn to reduce anxiety by learning how to relax the muscular tension. It can be done alone or in combination with abdominal breathing, which means breathing fully from your abdomen or from the bottom of your lungs. It is the reverse of the way you breathe when you’re anxious or tense, which typically involves breathing that is shallow and high in your chest. Practice progressive relaxation for 5-10 minutes until you feel fully relaxed and free from obsessive thoughts.

 

Practice healthy rituals.

Combine abdominal breathing with a positive affirmation that has personal significance. Keep this up for 5-10 minutes, or until you’re fully relaxed. This type of activity can function as a positive trance induction that can overcome the negative trance enforced by the obsessive worry. For example, an affirmation can involve a statement such as “These are just thoughts” or simply “Let it go.”

 

Consider meditation procedures.

Although many of the above procedures focus on avoiding obsessive thoughts, psychologists have also developed some meditational approaches that focus on acceptance rather than avoidance of distressing thoughts and feelings (Roemer, Orsillo, & Barlow, 2002). Meditational procedures help people learn how to be more tolerant of these feelings which, contrary to common sense, can sometimes help a person reduce their obsessive thoughts.

 

Consider medication consultation.

Although beyond the scope of these self-help techniques, there are some medications that have been shown to be useful in the treatment of anxiety conditions such as obsessive-compulsive disorder. However, it is important to remember that “pills are not skills.” If regular practice of the above skills does not seem to help control your obsessive worries, it may be helpful to arrange a consultation with a board certified psychiatric physician concerning the benefits and risks of psychotropic medications.

Posted via web from Easy Living Sherpa

Posted by: laserlover2000 | July 10, 2009

Thedebtgazette.com

This weeks Blog review is on,” The Debt Gazette,” located at http://www.thedebtgazette.com/. This Blog is full of timely and important information and is broken down into several easy to read categories.

I particularly like the “celebrity debt section and was surprised to see Senator John McCain on the hit list. Just goes to show that even the wealthy are not as debt savvy as they’d like us to believe. Though the Blog is a fairly new startup I do see a lot of potential here, as the writer is clear and concise in his formulations. Given time and more content I see a clear winner in the making. Bookmark it!

Posted via web from Easy Living Sherpa

Posted by: laserlover2000 | July 7, 2009

Make A Price Book: Power Tool For Supermarket Savings!

Make A Price Book: Power Tool For Supermarket Savings!

Frugality: a noble value. Trouble is, if you’ve got a disorganized nature, the frugal life can seem daunting. How do tightwad friends remember all those prices, bargains, shopping bonanzas? Is the warehouse mega-pack a true bargain? When is a sale a sale?

Fight back with a powerful weapon from the frugal arsenal: the price book. First publicized by Amy Dacyczyn, author of the Tightwad Gazette book series, a price book is a power tool for tracking prices, products and sales. It’s a simple tool to save time, money and supermarket stress.

Form Follows Function

What do you use to create a price book? Form is unimportant. Low-tech tightwads use a small binder or spiral notebook to track price book information. Planner aficionados devote a tabbed section to price book pages. [Find a free printable price book template here.]

The hi-tech housewife enters price book data in a computer spreadsheet (and the alpha geek downloads spreadsheet data to a palmtop computer for quick in-store consultation).

Paging Best Buys!

Whatever the form, the heart of the price book is the product page. Each page tracks price information for a single staple product. Down the page, you’ll list the date, store, brand, size and price, and unit price for that product. Over time, you’ll be able to identify the best regular price, recognize special sales, and track sale cycles for that product.

Here’s a sample product page:

Our shopper can buy 8-ounce cans of tomato sauce for a regular supermarket price of 32 cents. Her warehouse store sells bulk cans of tomato sauce for a sharply lower unit price. However, the best buy occurs when the supermarket puts 8-ounce cans on sale at 10 for $1.

Armed with the price book analysis, our shopper has learned to stock up on 8-ounce cans of tomato sauce during supermarket sales. By continuing to track the price of tomato sauce, she can learn the sale cycle: how often to expect those 10/$1 deals to occur. In her area, that’s about every 6 weeks–so she’ll purchase enough on sale to cover her family’s needs until the next sale.

Setting Up and Using Your Price Book:

You’re sold on the concept of a price book. You know it will save money, trim time and lighten shopping stress.

Now for the fun! Follow these tips to set up and use your new price book.

Digging For Data

You’ve found a small notebook or printed our price book template. Next step: gather and record your data.

Itemized grocery store receipts are a price book’s best friend. On them, you’ll find identified and itemized lists of products you buy and use. Jumpstart your price book by recording data from every receipt you can find.

For brevity, develop a list of store codes. Use a short abbreviation for each supermarket, discount store and warehouse store you patronize.

Keep a calculator handy for unit price calculations! To find any item’s unit price, divide the cost of the item by the number of units. For an 8-ounce can of tomato sauce sold for $.32, enter .32, then divide by 8 to find the unit price of $.04.

If you’re making price book entries at the supermarket, you can often find the unit price calculated on the shelf tag. Spreadsheet users can short-cut the calculation process by breaking out the price and size on the spreadsheet.

Posted via web from Easy Living Sherpa

Posted by: laserlover2000 | July 7, 2009

Untitled

Random ways to become a power-saver

Saving money around your home is easy if you have just a little bit of discipline and a lot of drive. The money that can be put back into your pocket is considerable when done even over a very short period of time. I myself have mandated just six items thus far on this list, and have saved over $250.00 per month beginning last April. You don’t have to look any further than your home to implement just a few of these tips and the dividends will pay themselves back in spades in no time. Without lamenting about the high cost of just about everything today, recession or not, I would like to let my readers know that you came through once again. I asked for help and you delivered.
This article is a collection of comments and emails I received when I asked my readers how they make their money extend further.
Now…on to what you’ve been waiting for.

-Buy your produce at a farm stand if one is available.
-Never buy drinks or snacks other than in the grocery store of choice.
-Always shop with a list.
-Keep a price list on your most popular items and carry with you when shopping.
-ONLY take advantage of sales on products that you need.
-Keep a price journal and track prices by their unit cost.
-Build up a stock on staples when their prices are low.
-Buy generic whenever possible and save big.
-Plan your meals around what is on sale that particular week.
-Use rainchecks if the store is out of a sale item that you want.
-Take advantage of rebates only if you will follow through on them.
-Sales generally come every 12 weeks so buy enough of the item to last you that long.
-Shop at discount stores of every kind: The Dollar Store, etc.
-Take advantage of double coupons.
-Eat less meat and you’ll stay thinner and healthier and so will your wallet.
-Eat leftovers.
-Scrape out food jars.
-Here’s a simple one: Cook from scratch.
-Avoid eating out.
-Brown bag it.
-Eat less. (We all eat too much and that’s why America is obese)

-Avoid the vending machines at work.
-Get inventive with leftovers. Waste not/want not.
-Plan most of your meals around rice or beans.
-Drink water! Not soda.
-Make your own jello cups (or applesauce cups, or pudding cups) for lunches and snacks. Jello cups are currently $3.00 for a pack of eight where I live. A package of do-it-yourself is .99 for .5 oz.
-Start a vegetable garden. No room? Try a tiered square foot garden from the ground up.
-Always take a snack and bottle of water wherever you go.
-Cook with the crockpot in the summer.
-Use a convection oven in the summer as well.
-Run your errands once a week and make use of the most proficient route.
-Bike to work.
-Stay home. Turn your home or patio into a zen garden. Watch movies outdoors.
-Keep automobile tires properly inflated and cut gas waste by 10% or more.
-Don’t stop or accelerate suddenly.
-Carpool.
-Go diesel on your next vehicle.
-Coast up to a red light, instead of thumping the brakes.
-Use your public transportation if available.
-Sell your second car. Buy a motorcycle or scooter with carrying racks and have fun!
-If you have one car that you only hardly ever drive, get rid of it and start using cabs.
-Drive your car until it dies. This beautifully when you buy a car that will run for 150,000 miles or more.
-Follow your car’s maintenance schedule.
-Turn your car off at long stop lights.
-Coast whenever you can.
-Limit your city driving.
On a long trip, use the cruise control.

-Use a discount cards to pay for gas. (lots of grocery stores recommend them, as well as good old Costco).
-Fill your tank up in the morning when the air is cool, and the gasoline is dense. You’ll get more fuel and less air.
-Fill up your vehicles tank when it is half empty.
-Shop around for Auto and homeowners insurance. The rates can vary tremendously!
-Kill every electrical appliance at the wall every night. Place everything on power strips .
-Keep lights off during the daylight hours.
-Line dry clothes whenever possible.
-Air dry dishes after the dishwasher cycle.
-Cancel cable television and switch to Hulu and other free online services. (Requires a pc)
Use CFL light bulbs.

-Turn down the thermostat. (Buy a programmable and program it!)
-Open windows on summer nights and use those ceiling fans.
-Use a fan.
-Get rid of the land line and use a cell phone or magic jack.
-Take shorter showers.
-Insulate all water pipes.
-Install low flow showerheads and aerators.
-Turn off the computer when you’re away from it.
-Use motion detector nightlights that only come on when it’s dark.
-Use nightlights in the bathroom.
-Turn the water off while brushing your teeth.
-Ask your doctor to prescribe generic medication.
-Buy generic medication at Walmart or Target for $4.00.
-Curtail clothes shopping and buy at thrift and discount stores..
-Shop garage sales for the hidden gems but get there early.
-Sew, using discount fabric (easy to find at garage sales).


-Use rechargeable batteries for everything.
-Do home repairs yourself.
-Reuse things. Such as those plastic grocery and laundry bags. .
-If you’ve bought stuff that you haven’t used, see if you can return it.
-Find a roommate.
-Flush the toilet only after 2-3 uses.
-Use kitchen rags in lieu of paper towels.
-Cancel magazine subscriptions and use the library.
-Use the library and read newspapers online.
-Order from the dollar menu when eating out.
-Go to the park and have a picnic.
-Entertain at home.
-Get haircuts every 6-12 weeks, instead of every 4 weeks.
-Learn how to cut your own hair.
-Do your own manicures
-Collect your spare change and deposit it.
-Get rid of un-needed objects. It costs less to maintain.
-Sell it on eBay or Craigslist.
-Don’t watch TV. It contributes to short term attention deficit disorder and cuts down on desires.
-Trash the TV (Even better)
-Use a fee free credit card with rewards. Charge everything but pay it off.
-Pay off debt as fast as achievable.
-Use cash (Simple but effective as a cardinal rule.)

Posted via web from Easy Living Sherpa

Posted by: laserlover2000 | July 6, 2009

Know Mark Down Dates to Save on Groceries

Sam's Club can't mark down by opacityMany grocers have a set time for marking down items that are close to sell by dates. This info is especially handy for stocking up on your meat items for 1/2 price or lower. Combine the savings with coupons and get an item for about 2/3 off.

 

Posted via web from Easy Living Sherpa

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