I'm going to the beach because reality has hit like an overdue
bill: I need to get more rest and to work smarter. I need to be
more frugal with my time.And for that reason I am relocating to
Wise Bread as a steady blogger. I have also helped to launch a
frugal video network with Myscha Theriault. Here's why I am
changing my online strategy."As the founder of the Frugal Duchess
blog, I was a one-woman shop, responsible for writing, editing,
formatting, designing, ad sales, marketing and networking.
That’s a lot of hats for one person to wear,
especially given the other roles in my life: mother of three,
internationally syndicated newspaper columnist, in-house writer for
a large nonprofit, poet and author of The Frugal Duchess: How to
Live Well and Save Money, a coming-of-age memoir about ...
Two things that take up big parts of any travel budget are airfares
and hotel costs. To enjoying a great holiday, you do not have to
make your savings suffer by getting the best travel deals with
cheap travels. This article will focus on finding the best hotel
deals. The Internet has made it much [...]
MakingOnlyMoney.blogspot.com
If it's not happening in Brooklyn ... it isn't happening!Brooklyn
is America’s fourth largest city (as well as
being one of New York City’s five boroughs) and
it is a best bet for tourists who want hip and historic, authentic
and diverse experiences and who enjoy character and characters!
Experience BrooklynFestivals & Concerts:Sakura Matsuri at the
Brooklyn Botanic Garden (April) New York City's "rite of spring,"
offers over 50 events and performances celebrating Japanese culture
and the blossoming of BBG's 220 cherry trees39th Annual
International African Arts Festival, (July), Thousands of festival
goers gather each day to enjoy live music, dance, spoken word
performances, African marketplace, showcase performances, fashion,
and hair shows. Outdoor Concert Series (June- August) from...
The consolidation of credit is a practice for individuals to
renegotiate their loans to lower monthly payments. It can also
entail secured loans covered by collateral or conversely involve
unsecured loans merging with other unsecured loans. Continue
Reading
I currently have an HSA compatible health insurance plan for my
family. It’s great because it’s fairly inexpensive and
it will cover us if anything major happens (except a baby, that
is). Plus, I get to start stashing cash into my health
savings account (HSA). HSA insurance is the way to go for a lot
[...]HSA Insurance: What Makes an Insurance Plan HSA Compatible? is
a post from: PT Money: Personal Finance by PT. Related
posts:High-Deductible Health Insurance Plan Plus HSA Buying Health
Insurance as a Self Employed Individual Save Money on Health Care:
A Quick Summary of Tax Advantaged Medical Savings Accounts
We all need a little time to rest and re-energize ourselves, and
that time has finally arrived for me. I’ll be
spending the next week enjoying the beaches of Wildwood Crest with
my family. There won’t be any new posts while I
am off enjoying the ocean waves, the bikinis, and the boardwalk fun
and [...]
Planning a vacation? Check out these cheap home security ideas to
make your house look lived in while you're away without spending a
fortune.
Mark your calendar for Thursday, August 26th. That’s the only
chance you’ll get to speak to the Austin City Council on the
water rate increases proposed by the Austin Water Utility. The
public hearing is in City Hall at Cesar Chavez and Lavaca and
starts at 4pm. Starting in 2004, the Austin City Council has raised
[...]
Summer's almost gone! What happened? Tune in next week (starting
Monday, August 23) for more It's Your Money posts. Filed under:
Uncategorized
Everyone knows that credit cards can be
dangerous… they make it easier to spend beyond
our means and rake up high interest debt. According to New York
Times bestselling author Dave Ramsey, when people pay with plastic,
they spend 12% to 18% more than they would with cash. Now
let’s take that concept [...]
If you don’t have the Buy One, Get One Free coupon from the
7/25 RedPlum insert or you just want to stock up on more deodorant,
here’s how to get Right Guard for $0.15 each: Buy 2 Right
Guard Deodorant — on sale Buy One, Get One Free (2 for $3.29)
Use $3/2 coupon $0.15 [...]CVS: Right Guard Deodorant for $0.15
each is a post from: Money Saving MomPLEASE VISIT OUR SPONSORSFree
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How many times have you been in the midst of your favorite hobby
and thought to yourself, “Gee, I wish I could
make money doing this!†With the help of the internet,
and the other resources available out there, there is no reason why
you shouldn’t be able to turn your hobby into a
financially [...]
It’s no secret that this is the worst time to
ask for a pay raise. Many people are lucky to hang onto their jobs
at all in the current climate, let alone expect to get a pay raise
for what they do –- even if they do truly
deserve one. So does that mean that [...]This is a post from The
Smarter Wallet.Where To Find Extra Money
The best kind of benefit is a fringe benefit, right? As it turns
out, the IRS has a guide for Federal, State, and Local Governments
(FSLG) governing the tax rules of fringe benefits and the reporting
of fringe benefits! We ran into this the other day as my lovely
wife was signing up for a [...]University Pre-Tax Parking Deduction
Benefit from personal finance blog Bargaineering.com.
Today I met with two of my best friends for our monthly-ish project
day, where we work on projects that we never ever had time to get
to. And I managed to get stuff done- all from the pile of clothes I
had waiting to be fixed. Frugal act for the day, check! Here are
[...]
It is common practice in most of Central America to import old
American school buses, (sometimes) repaint them, and use them as
particularly uncomfortable modes of public transportation.
(This is a guest post from Deborah Adams, founder of the Notes from
Dry Creek Farm blog. It’s a beginner’s guide to canning
your own jams and jellies. Take it away, Deborah!) These days
we’re all looking for ways to save money, and
preserving our own food is one of the easiest and most satisfying
[...]
I just despise seeing the mildew and mold that creeps into the
bathroom or in a dark, damp basement. Both of them are part of the
mold family of fungi, with mold often being black, green, red, or
blue in color while mildew is usually gray or white. No matter the
color, I hate to see it creep around the caulking of the bathtub.
flickr/cc - iLoveButter <img
src="http://farm1.static.flickr.com/47/buddyicons/53464383@N00.jpg?1165801362#53464383@N00"
alt="" width="24" height="24" align="absmiddle"
class="buddyicon"> The ways I have found the have helped,
whether in a small or larger way, are preventive measures and
regular cleaning. When used in combination they seem to keep the
bathroom clean until time takes it's toll on the caulking and it
needs to be replaced. Preve...
Here are some of the best deals available at Target this week.
Thanks to In Good Cents for sharing them. You can see the entire
list of deals at Target for this week here. Do you need more
coupons? Coupons are a great way to stretch your dollars. Did you
know that you can print coupons for top brand products right from
the convenience of your own home? Save Money. Print Free Coupons
Anytime. Click Here If you are new to couponing or need help in
knowing how to read the...
Try practicing a little more food prep to reduce your grocery bill.
It is amazing how a few minutes a day could save hundreds a week.
We are so blessed and lucky to live in a place where food is easily
had for the average person.
http://www.ReaLMLMTraining.com Contact Joe Younique Wealth
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Author: Thomas Pretty Title: How Wastewater Treatment Has Become
More Environmentally Friendly Article: The treatment of wastewater
is an important part of the water cycle and fundamental to the
health of the environment. The water we use in our homes,...
Read the rest... For working professionals, the
relaxed summer dress code is coming to an end. It’s
time to start looking for suits, dresses and other professional
clothing. This might be your first year as a frugalista, or maybe
it’s just time to update the wardrobe. When it comes to
career clothing, you need to dress for the job you want, not the
job you have. But looking sharp doesn’t have to
cut a hole in your wallet. You can get the clothes you like and
project the image you seek without spending a fortune. It’s
not so hard to be frugal and have nice clothes at the same
time.
Every Sunday morning for the next few months,
I’m going to
“riff†on a chapter from my book,
The Simple Dollar: How One Man Wiped Out His Debts and Achieved the
Life of His Dreams by reflecting on particular pieces of it that
I’ve had further reflections on or particularly
excite me, including some elements [...]
Americans spend more than $25 billion a year on dietary supplements
because we believe they will keep us healthy, lose weight, make us
better athletes in and out of the bedroom, according to the
Nutrition Business Journal. But Consumer Reports warns that many of
these supplements are dangerous becauseÂ
“manufacturers routinely, and legally, sell their [...]
Many fabulous financial innovations have been made in the last 15
years that have helped to make your life easier or better.
Unfortunately, not all the financial innovations over that time
have been positive; there have been some products and services
created that can be a major drag on your net worth and even on
[...]
The untold JetBlue flight attendant story The story is odd and
rather weird: a ticked off JetBlue flight attendant gets on the
aircraft’s public address system and unleashes a tirade of
expletives before activating the plane’s emergency slide,
snagging two beers and his luggage, and sliding away. JFK airport
security misses the whole thing as [...]
So the question is “Can I contribute to both a
401k plan and a Roth IRA� Yes is the short answer,
however, there are a few things employees must take into account
when considering contributions to a 401(k) or 403(b) plan as well
as a Roth IRA. Understanding a Roth IRA An IRA stands for Roth
Individual [...]
The difficult financial times that have been so well publicised
over the past couple of years have highlighted the importance of
financial management. Living within your means is a relevant term
for all, no matter what your annual income is. Whilst managing your
finances can seem like a bit of a chore, creating and maintaining a
simple household budget is an easy way of ensuring that all of your
income and expenditure is recorded in black and white. Reasons for
creating a household budget It sounds like an obvious thing to say
but spending more money than you are bringing in each month is not
a good financial habit to get in to. Sitting back and taking the
time to note your incomings and outgoings can help clarify your
financial circumstances and ensure that debt does not become an
issue...
The Fair Debt Collection Practices Act, FDCPA, states how debt
collectors should act while collecting debts from the debtors. The
main objective is to protect debtors from harassment and abuses
from the debt collection agencies. These rules categorically
specify what debt collectors can do and cannot do. The FDCPA
act monitors the conduct of debt collection lawyers, and debt
purchasers. Usually, FDCPA rules don't apply to creditors
collecting their own debts. However, some states have imposed
similar legislation that do regulate the conduct of original
creditors. 10 Restrictions imposed on collection agencies The
restrictions imposed on collection agencies by the FDCPA are given
below: 1. Misrepresentation: The debt collector cannot misrepresent
the amount of loan you owe. 2...
Moo's business cards are the best in the online printing industry,
but they are more expensive. Why does Moo cost a bit more than
other business cards? Highest quality prints (by far) Crisp vibrant
color on both sides (double sided color) The best quality card
stock Printfinity: Moo's special technology which allows you to
print a different image on every card Order Moo cards Exclusive:
Get 50 cards for just $21.99 from Moo Video overview of Moo's
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$21.99 100 cards - $43.98 200 cards - $69.99 400 cards - $118.98
See all packages and discounts About Moo Business Cards When
you're handing out a business card to a new contact, it's
more than just a piece of paper - it's...
What is Food Insurance? Foodinsurance.com has designed an
emergency pack and emergency kits to give people at least two weeks
of great food and clean water until more permanent solutions can be
obtained. Many of the meals are freeze-dried, which means they will
last up to 10 years and retain their nutritional value. Also,
unlike other survival food solutions that require you to grind
wheat or employ some other 18th century skill, Food Insurance meals
come prepackaged as lasagna, beef stroganoff, and a host of other
great entrees. And to top it off, this food comes packaged in a
high quality backpack so you can grab it and go. Click here
for the lowest available prices on FoodInsurance Why do I need Food
Insurance? If you think about it, food and water are vital to
our...
What is DebtGoal? DebtGoal is a software tool that allows you to
more effectively manage your debt. If you're struggling to keep up
with several payments for credit cards, car loans, school expenses,
or other debt payments - DebtGoal can be the best way to get a
birds-eye view of your whole situation and pick the most efficient
strategy for paying down your debt most quickly. Main advantages of
using DebtGoal See all your accounts in one clean interface
Allocate interest payments more efficiently Accelerate your payoff
with debt tips & tricks Get support from their community of
borrowers Try DebtGoal now - Free 30 day trial offer DebtGoal vs.
Debt Settlement Control - you make all the decisions, rather than
handing control over to a 3rd party No upfront fees - debt settl...
If you want a life of excitement, perhaps you should consider a
career in criminal justice. Most people are familiar with
uniformed city and state police officers, but there are many other
career opportunities including private detectives and
investigators, probation officers, corrections officers, parole
officers, even fish and game wardens. Many entry-level
applicants for police jobs have often completed some formal
postsecondary education at accredited career schools. A significant
number are college graduates. Criminal justice degrees, both
bachelors and masters, are offered through many online and
on-campus schools throughout the country. Search for a
criminal justice school now What are your prospects? The U.S.
government* predicts steady job growth for many ...
Looking for a solid online degree program to help you advance your
career? You'll want to get your degree from a program that has a
good reputation with employers and one that is affiliated with a
top university. After searching for months, I finally came up with
this list: Online degree programs: search now First
Institute: Founded in 1982, First Institute has been
offering exciting new career paths to the residents of Northern
Illinois in Travel, Computer Technologies and Health Care. Our
Nationally Accredited Programs have trained nearly 3,000 men and
women to become employed in the Travel Industry, Computer
Technology Industries and the Healthcare Industry, currently in
such fields as Medical Assisting, Medical Office Administration,
Massage Therapy and De...
What is CampusBookRentals? CampusBookRentals is a leading textbook
rental company. Like Chegg and BookRenter, CampusBookRentals has
been in business from the early days of textbook renting, circa
2006. Note: see if CampusBookRentals is still running their 10% off
storewide coupon (applies at checkout) How does renting textbooks
work? On CampusBookRentals, you search their site for your books,
and rather than buying them, you rent them. CampusBookRentals ships
you your books (shipping is free), you use them for one quarter or
one semester, then when you're done, you use a free return envelope
provided by CampusBookRentals, then ship your books back. Its as
easy as that. How much do you save renting vs. buying? There's a
range, but typically you'll save between 70% to 90% for renting
your...
Shipping time? less than 12 hours to ship and delivered usually 1
day prior to estimate. Costume Cauldron got us our costumes quickly
and without incident. Return policy? Costume Cauldron allows
returns for a full refund within 30 days, returns must be in new
condition. Prices? Costume Cauldron has competitive discount
prices, comparable to most other discount online costume stores.
Costume / material quality? Costume Cauldron costumes are made from
excellent high-grade fabrics, the stitching quality is excellent
and I was impressed that the costumes lasted through a rather rough
night out with stuff spilled on it, and I was able to wear the same
costume again for 2 years and it still looked good. Best coupon?
See if Costume Cauldron is still running their 5% store-wide
discount Mor...
What is RingCentral? RingCentral allows your to lose your fax
machine and simply receive faxes straight to your computer. You get
a free 1-800 or local phone number at which you can receive faxes,
and RingCentral provides you with free software which allows you to
receive and send faxes. Better yet - RingCentral's software
integrates with Microsoft Windows software like Word, Excel, and
PowerPoint, and you can simply fax documents straight from within
those applications! It makes faxing seem like printing or saving a
document, you never worry about it again. Click here to activate
RingCentral Fax's discount promotion: get 500 FREE fax pages per
month included with your subscription if you sign up now Included
components of RingCentral Fax: Toll Free or local number Secure fax
con...
What's MyAsiaTrade? MyAsiaTrade is a wholesale e-commerce site
which sells goods directly from Asia / China. Products are
commodity goods like electronics, accessories, fashion items,
electronics components, and jewelry, and prices are typically 40%
to 70% marked down from the lowest prices you see them in the US.
If you sign up for a Wholesale account, you get an additional 60%
off all listed prices. Its a great solution for anyone wanting a
direct channel into China for low-cost manufactured products, or
just anyone looking for cheap bargains. Create a free ecommerce
store selling goods from China MyAsiaTrade lets you sign up for a
hosted ecommerce store where you can sell any of their goods on
your own branded website, and they wlll handle fulfillment and
shipping for you. Use this...
What's FireForLess? FireForLess is a superstore for fireplace
accessories selling fireplace grates, grills, screens, tools,
woodracks, outdoor fireplaces, gas fire pits and more. They have
hundreds of items and good customer service. How's the service?
FireForLess is a mom and pop shop. When I ordered my item they
shipped it the same day and followed up with a phone call to ensure
that I was satisfied. They seem to genuinely care about providing
good service. Click here to get FREE SHIPPING and NO TAX on your
FireForLess order
What is Debt Help 101? Debt Help 101 is a debt consolidation
service which provides consumers a channel to take several sources
of debt load (credit cards, auto loans) and add them all together
into one debt servicer to which you pay a single monthly payment.
Debt Help 101 is not a financial services company themselves, they
provide a service to connect you with a lender who can service your
loan. I used Debt Help 101 for my 4 credit cards for which I was
paying $200, $50, $320, and $450 per month, for a total of $1,020
per month. Debt Help 101 consolidated my credit card balances to a
single account and my new payment was just $480, so I save 53% on
my monthly payments - which was desperately needed. Get a free
quote from Debt Help 101 to calculate your new credit card payment
Other s...
What is SafeEyes from InternetSafety.com? SafeEyes is a top-rated
parental controls software system. What are "Parental
Controls"? "Parental Controls" is a term that has been widely used
to describe tools that allow parents to choose appropriate content
for their children. Parental control software has been developed
for everything from TV to the Internet. Safe Eyes falls in the
later category of Internet parental control software. Safe eyes is
a flexible set of tools that allows anyone to determine the type
Internet usage that is appropriate. Get 10% off SafeEyes using this
coupon link Safe Eyes Parental Control Software Includes: Content
Controls - Flexible content control allows you to select the types
of website that are appropriate. Program Controls - Control
Instant...
What is EasyContact? EasyContact is an email marketing software and
service that allows you as a business to send mass emails to large
lists of email addresses you have of your customers or contacts.
EasyContact then allows you to track who opened, read, and clicked
on your emails. You can send emails immediately or schedule them at
a later date or on a recurring schedule. Why would I use
EasyContact vs. sending emails myself? You don't need to know HTML,
but you can still send rich, nice looking emails You can schedule
recurring emails or emails sent at a specific time Emails are
delivered using advanced server technology, so your messages don't
get dropped or lost You can track who read, opened, and clicked on
your messages You can easily send new campaigns based on your
existing...
Looking to print plastic cards in a rush? ShortRunCards is one of
the best in the industry - a small outfit based on Boca Raton
Florida, ShortRunCards focuses exclusively on printing high quality
plastic cards in a very short turnaround time. How quickly do they
ship? They print and ship within 24 hours on most orders. What's
the minimum quantity for my order? You can order as few as 50
plastic cards. How is the card and print quality? You can order a
free sample kit to check out live samples, but their quality is
very good, thick, credit-card-like stiff plastic cards with rich
colors and graphics. Are there any coupons? You're in luck - we
just found a FREE SHIPPING coupon - use this link and code AFLSHIP
during checking. Go to ShortRunCards and save now.
I'm collecting people's experiences and opinions with Suite101. So
far, I've heard good things about them. You need to apply for a
position with them. Submission process Once you get in, you can
submit and publish articles, Review of articles takes anywhere from
a few hours to a few days. You keep the copyright of your submitted
work, but you are restricted from publishing your submitted article
on any other sites for one year. This is a pretty big restriction.
However, you can submit your work to print publications within that
timeframe. The overall writing quality is high at Suite101, and you
can write about a range of topics from home issues to financial to
health. The staff and community are friendly and helpful. How does
payment work? Suite101 does not tell you exactly how much yo...
If you're confused with the wide array of writing sites out there,
we don't blame you. There are many sites that will pay you for
writing various types of articles. Let's dive into each. Associated
Content: This is one of the largest writing sites on the web. They
pay you based on the traffic on your articles, and payment ranges
from US$0.50 to US$2.00 per 1,000 impressions. If you can qualify,
you can get upfront payment for some articles, at around US$5.00
each. AC was bought by Yahoo, so the company should be stable. A
good default choice for many, although the payouts aren't the
highest. Suite 101: Another good site to write for. Here you have
to apply to get a writer's position, and it can be difficult to be
approved. You need prior writing experience and a good resume. But
if you g...
Reliable developer VPS hosting typically costs $30 to $50 per
month, but myhosting.com is offering a special right now for just
$19 / month. If you're not familiar with myhosting you should read
the reviews of the top web hosts, but they are a long-standing and
reliable web host. Learn more about myhosting.com VPS hosting, or
read more here. Full Admin Access Without the
restrictions of a shared server, you can install the proprietary
software or applications that you need for your project. Install
Without Borders rnrnrnrnrnrn Limitations on what can be installed
are removed from shared hosting when you're sharing a server by
VPS. Install, what you want, when you want. Secure & Managed
Your virtual server includes full firewall and anti-vi...
