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This week I'm starting a new section to our Premium. It's called "Sound Off". You will be able to have your opinions published on just about any topic you like. Read more in Grandpa Terry's Update.
Tip 5 - Worrying about money is an emotion. It takes action
and a clear head, not emotions, to stay on top of your
finances.
How To Do Just About Everything |
Welcome (Your First Name),  Welcome to this week's issue of our Premium newsletter.Do you want to have your opinion heard? Starting this week I'm going to have a new section to the PSP Newsletter called "Sound Off!" where you can do just that. All you have to do is send me your comments to tre2000@budgetstretcherpremium.com or use the Subscriber Submission Form on your Member's Resources Page. Here are just a couple of the rules: #1. I won't print attacks on individuals. If you feel strongly against an opinion just state that fact and tell us why. #2. No profanity I want you to participate in this forum. We all have opinions on just about everything and here is you chance to have them published. All I ask is that we keep it civil. At the end of each opinion there will be an identifier that will read with some information on the author and the date it appeared in the newsletter (i.e., S/041408). Make sure to read this week's opinions below! Due to lack of participation the Subscriber Tip Contest will be discontinued after April. Since I started it in January I haven't had over 250 votes for an entire month. It takes quite a bit of time to run this and with no more participation than that I can't justify it. Many thanks for those that participated. I will still be giving away the gifts for those tips that are used on a weekly basis. If you had a chance to view the Audio Presentation of my article "7 Ways To Beat The Debt Collector" last week, I would like to hear what you thought about it. There was an error in last week's newsletter in the Special Notice. It showed www.freecreditreport.com as being free. This service does cost money, however, you do get a trial period. That's all for now. Remember, I really enjoy hearing from you folks. If you have any comments, complaints, suggestions or just want to say Hi, please send me an email to mailto:tre2000@budgetstretcherpremium.com. All the best, Grandpa Terry If your using a breadmaker then you are already saving money. Take the extra step and make rolls instead of loaves. One batch of dough makes about 12 rolls, place them on a cookie sheet, cover and place in freezer. When completely frozen transfer into ziploc bags and freeze. Take out as a need basis. I take a couple out, defrost, let rise (about 2 hours) and bake. We have fresh bread every day and nothing goes to waste. Jennifer/041408 Subscriber Tip Of The Week (Contest Ends 4/30/08) Vote For Jennifer's Tip and Get A Free Gift! Use the form at the link below to vote for this tip: http://www.budgetstretcherpremium.com Coupon Savings by Michelle Jones There are lots of cool places to find grocery coupons but one of the most common is right on the food package itself! Sometimes the coupon is printed on the outside of the package and easy to see, but occasionally manufacturers hide their coupons on the inside of the package. In this case, they are either printed on the inside (which requires cutting the package apart once it is empty - hmmm, remind you of looking for that toy inside the cereal box when you were a child?) or they may include a very small piece of paper folded inside. The problem is, these inside coupons can be easy to miss, so always take a peek inside before you toss that empty package into the recycle bin! Save hundreds of dollars on your groceries each month, with or withoutusing coupons! Read more of Michelle's FREE grocery saving tips at www.GrocerySavingTips.com Hey Terry... S/041408 (Please use this when responding) Hi Terry, In 1985 my husband and I decided the news was to depressing to watch so we watched Mash instead as he was leaving for work at 10:30PM. The news hasn't changed one bit in all these years. Same thing with the radio!! It seems like the newscasters delight in telling negative news. Why can't the sponsors pay them to tell some good news! Wouldn't that sell their products at a better rate? I know people who don't watch the news at all. So the sponsors are losing their business. Anyone Agree? Juanita from Illinois/041408 (Please use this when responding) Is everything going to hell in a handbasket? I believe it is a shame, a tragedy that the United States can spend trillions of dollars in another country and tell it's citizens that it is for the purpose of making them safe and free.
What makes it a shame is a lot of people in the united states do not feel safe and free. Example;
They say Ancient Rome fell from the inside. I can see history repeating itself in the case of the United States. While the country is spreading it funds and military forces thin in other countries; this country is being taken over by gangs and other criminals, drug abuse, drug wars, pollution of water,air, soil, identity thief, foreclosures, bankruptcies etc,.
I can not say this is safety and freedom.
What is your rationalization?
Safety and Freedom/041408 (Please use this when responding) Grandpa Terry's Opinion: Yes, we do have problems here in the USA but I still believe we have more freedom and are safer than any place else in the world! By Care One Credit http://www.careonecredit.com/Knowledge/credit_card_traps.aspx
Quick Money Tips #4 from Budget Stretcher
This is the 4th in a series of articles that provide helpful money tips that you can use to stretch your budget. 1. Find out when using coupons can save you money. 2. Use the dollar bill or change savings plan to increase your savings. 3. Guard your credit card numbers and other personal information against theft. 4. Consider consolidating your debts only after you understand the costs involved. 5. Understand that money problems can cause family problems. Don't let it happen. 6. Consider the "Cook for a Day, Eat for a Month" plan. 7. Read and Understand everything you sign. 8. Check with your credit card, insurance or cell phone companies to see if they offer free or low cost Road Side Assistance. 9. Make sure you really need the extended warranties on the items you buy before you pay the big bucks. 10. Consider paying a few extra dollars on your mortgage or other debts each month. Learn how to know the cost of a loan before you sign the papers. Download the Free "Loan Calculator! Plus" by visiting http://www.pine-grove.com/ Instead of paying $60 to $100 a month for acrylic nails, go to Walgreens and buy the new press on nails that you can glue on and they are already painted and decorated. They go on in less than 5 minutes, cost about $10 for a set of 24 (2 applications), and you can change them as often as you want or leave them on the whole 2 weeks. Christina/041408 Subscriber Tip Of The Week (Contest Ends 4/30/08) * Vote For Christina's Tip and Get A Free Gift! Brand New: Use the form at the link below to vote for this tip: http://www.budgetstretcherpremium.com Hello from Wisconsin! Just wanted to say hello, and thanks for continued information, and support to everyone in these trying times. I've been with you (although not a Premium Subscriber yet), for a long time, and value your every word. You have helped me through some really tough situations, when I didn't know what to do or where to start. I'm still "getting there", but much better off than I was when I was getting divorced. I'm about to move out of the roommate situation(living with a friend who bought a very expensive condo) I'm in and get my own place. I'm nervous, just because it's $100 more a month than what I'm paying now, but, I can afford it, and it's worth every penny for my sanity after all I've been through. One question I have for you is, can we trust all the different links and companies you advertise on your page and in your emails? Some things look too good to be true, and I just don't trust many companies etc. now a days. I just wonder if you research them fully, and make sure they aren't scamming....so many sites do. My other question is, did you know that your credit scores can be different completely based on how they are pulled? For example, if you go to the bank, they pay for a service with TransUnion/Experian/Equifax to obtain "Financial Scores". When us as consumers log on to www.annualcreditreport.com or www.truecredit.com, those scores are "Consumer Scores" and can be completely different than what the financials have. I thought this was insane, since everything about who you are as a human these days revolves around this score. Why would we not be informed of this? How are we supposed to improve our scores, when they are all different? Thanks again for your wisdom and great info!! Sincerely, Tori My Response: Hi Tori, Thanks for the email and I appreciate those kind words. I'm sure you will be alright on your own. You've came this far and will undoubtedly use your money skills in the future to make it. Now, for the links on my site being trustworthy. Basically, what I can tell you is that they are not outright scams. However, there is one thing I've learned in the 8 years I've operated Budget Stretcher. There are as many opinions of an offer as there are customers that check them out or order. Each person has a different idea. Basically, I try to caution anyone that checks out links on my site or any other to investigate them thoroughly and make sure they have a money back guarantee in case it's not what they want. Believe me I've had customers both praise an offer and others complain hard because I even bothered them with it. I wasn't aware that you received a credit score with your free annual credit report. The standard FICO score is what is normally accepted by the three reporting agencies. These scores can vary greatly from one agency to another. However, they are toying with the idea of a standardized score that will be the same no matter which agency you contact. Here is a download ebook put out by FICO that is the bible for all information relating to credit scores: http://www.budgetstretcherpremium.com If you follow the advice in the above ebook you will go along way toward increasing your credit score. I hope this helps, Terry By Kamil Skawinski • Bankrate.com http://www.bankrate.com/brm/news/financial_literacy/debt_management/Clark_Howard_on_debt_a1.asp Mother's Day Cards Stitched with Love by Rachel Paxton http://www.crafty-moms.com/cards/stitched-mothers-day-cards.shtml (home) "Trash to Treasures: 10 Tips for a Successful Garage Sale" By Deborah Taylor-Hough http://www.homemoneyhelp.com/articles/trashtreasure.html While at the grocery store today, I found something incredibly interesting and helpful! I shop at our local Kroger store and they have the shoppers card, like many stores now have. Now, they are allowing you to add electronic coupons to your card that are automatically deducted at the register (even double coupons!). There is a website for this, and it includes many stores: www.shortcuts.com It is run by AOL, but you can use your regular email address to sign up, you will need your shoppers card number and store name for this service. It is completely free, and cuts back significantly on clipping coupons. The stores it currently serves are: Kroger, Pay Less Super Markets, Ralphs, Hilander, Baker's, City Market, Owen's, QFC, Smith's, Gerbes, Dillons, King Soopers, Fry's Marketplace, Fry's Supermarket and Jac C Food Stores. The website says they are adding more stores on a regular basis. Hope this helps someone save some dough! Thanks, Christine/041408 Subscriber Tip Of The Week (Contest Ends 4/30/08) Vote For Christine's Tip and Get A Free Gift! Brand New: Use the form at the link below to vote for this tip: http://www.budgetstretcherpremium.com Chicken Cacciatore 2-3 lbs. chicken pieces 2 Tbsp. olive oil 2 cans (14 oz.) stewed tomatoes 2 cups mushrooms, sliced 1 cup zucchini, sliced 1 tsp. fresh basil, crushed or 1/4 tsp dried basil salt and pepper, to taste 4 cups pasta, cooked Brown chicken in oil, 10 minutes, turning occasionally; drain. Add the rest of the ingredients except pasta. Cover and simmer 25 minutes. Serve over pasta This recipe compliments of Living On A Dime. Get more of the recipes you can actually use: http://tinyurl.com/yut6z8 These Tips provided by The Frugal Shopper http://www.thefrugalshopper.com/ Please show your appreciation for these great tips by visiting this site.
~~Always have trouble with that one roll of tape and finding
the end of it? Stick a button on the end, then when you use it,
just move the button.
~~Rub the pure cornstarch type baby powder into your pet's coat prior to brushing/combing, if there are tangles or mats, it will make them come out much more easily. ~~Tea makes a nice inexpensive, yet permanent stain for unstained furniture. ~~Sprinkle cinnamon on aluminum foil and place it in a hot oven, leaving the door open. As the cinnamon heats, the cinnamon will permeate the house. ~~Spray the inside of a mayonnaise jar white. Store it in the refrigerator as a hiding place for money or valuables. |