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Showing posts from December, 2009

A Penny Earned....and More Famous Money Quotes

Here are a few inspirational and funny money quotes to help (or not) get you motivated as you plan your money-saving strategies for the New Year!

“I don’t go looking for somewhere to spend my money. You can step on a tube of toothpaste for a week, if you have to. I spend what I need to and give it away.” (T. Boone Pickens)

The amount of money you have has got nothing to do with what you earn.. people earning a million dollars a year can have no money and.. People earning $35,000 a year can be quite well off. It's not what you earn, it's what you spend.
(Paul Clitheroe)

"If you would be wealthy, think of saving as well as getting." - (Ben Franklin)

"What we really want to do is what we are really mea…

New Year's Resolutions

What will your New Year's Resolutions be for 2010? Are you thinking about them yet, and if so, how will money and savings factor in to your resolutions? I am starting to filter through my thoughts, goals and aspirations for the New Year, and hopefully in the next week will start to put some of my resolutions down on paper and share them on my blog as well.

I would love to hear others ideas for making 2010 a great year financially--will you be changing jobs? Adding a second job? Changing how you shop? Using coupons (I know I should.....but I do not--maybe this year??) Saving money by cutting out certain habits like smoking?

So look for some thoughts and ideas for saving money (and please share any you have!!),in the next week as we head to the New Year and say goodbye to this one.

Happy Holidays!

The Best Website For Saving Money on Christmas Shopping!

If you only visit one website this Christmas shopping season, make it FatWallet. This is hands down my favorite website to go to for finding savings on things I need to buy, coupon and cash back deals, freebies, and so much more. FatWallet is a large community based site where members share shopping deals, sales, coupon codes, hot finds, etc.

You will find coupons, deals and cash back offers from over 2500 retailers. I have been browsing the site and have found amazing deals on items that I probably would never have thought of buying for Christmas presents otherwise. Check out just a few of the deals I have come across this morning:

Holiday Giggle Elmo--$10 with coupon code for free shipping! (Original price $22)
Baby Einstein Baby Neptune Ocean Adventure Gym-- $30 (original price $59.99)
Logitech Quickcam Deluxe for Laptops-- $19.99 (was $55.99)
Kodak Easyshare Camera--$99 and free shipping! (was $169.99)
Oversize Down Comforter 500 thread count -- $59.99 (was $412.94)

Whatever you are loo…

How To Christmas Shop With Little Money

Stressed out with a Christmas list and limited money to spend? Here are 4 money saving christmas tips that might help a bit:

1. Divide your allotted Christmas shopping cash into envelopes. Each envelope represents a person on your list, and the total amount of cash you can spend on that person. It may seem overwhelming at first when you think of how many people, including your kids, that you need to buy Christmas presents for. But when you count your cash, divide it up and separate it per person, you will feel much more in control and calmer.

2. Visit sites like swapstyle.com and save money by doing some swapping if you see an item that is on your gift list!

3. Shop yard sales, garage sales and thrift shops. Little ones will not really care where that riding toy came from when it is under the tree with a big bow on it! Just make sure to check toys and such are in safe condition. Candles, unique wine glasses, pretty sweaters, books and other 'treasures' can be found at thrift…

Cheap Christmas Decorating Ideas

Make your home cozy and festive this holiday season with easy to make Christmas decorations!


Get a pail and spray paint it red. Fill with pinecones and twigs. Or a miniature Christmas tree if you want to spend a little extra.

Wrap empty boxes in festive paper and stack as a decoration.

Take the framed pictures off your walls, wrap them in Christmas wrapping paper, stick on a bow, and hang back up for an instant pretty Christmas decoration.

If your children have a wagon, put a bow on it and fill with wrapped boxes for a decoration. Add stuffed bears wearing scarves and mittens.

Fill a glass bowl or vase with pretty Christmas tree ornaments-- red, green and gold glass balls look very pretty in a vase (put high up if you have little ones around!).

Check out Christmas Books from your local library. Placee them in a basket and add a red ribbon for a festive holiday feel.

Save Money This Christmas Using These Four Websites

"The first weekend of December and all through the Internet, consumers were shopping and spending their cents!"

So....doing some Christmas shopping this weekend? Here are four websites you must add to your check list: they can save you money, time and stress, plus keep the "humbug" away!!

1. Pricegrabber (pricegrabber.com). Go to this site to compare prices on an item before you buy. Make sure you pay the lowest price before ordering a gift this year~ You can also list and sell items on Pricegrabber. Check it out!

2. Woot (woot.com). On this site, they sell one thing a day normally. And when that thing is sold out, then you have to wait until tomorrow for the next thing. Usually, that item is 40 percent to 50 percent off what the original price is. Worth taking a look at before you shop. Plus there are several Woot sites-

Deals.woot
Wine.woot
Kids.woot
Sellout.woot


3. Slickdeals (slickdeals.net). This site can offer great savings when it comes to computer stuff, digita…

Save Money With a Christmas Brunch

Save money on your holiday party by having making the party a brunch instead of a holiday dinner party. In "The Frugal Foodie Cookbook," Alanna Kaufman and Alex Small (Adams Media, 2009), have a great point when they suggest that a formal brunch can be every bit as elegant and entertaining as a formal dinner party. And cooking a brunch menu is definitely going to cost less than serving a full course dinner.

There are countless menu possibilities for a holiday brunch party, such as French Toast, Hash Browns, Omelets, and Muffins. Eggs are nutritious and affordable (especially compared to Roast Beef, Hams, and Turkeys,) and can be prepared so many different ways. Mimosas make a great Brunch drink that will save you money compared to wine with dinner.

You can find wonderful and inexpensive egg recipe/brunch menu ideas at the American Egg Board (http://www.aeb.org/).... including omelets, Frittatas, specialty French Toast, specialty scrambles and yummy sounding bakery treats!

Your Best Tip For Saving Money?

As the New Year approaches, many of us will start thinking about how to improve our finances in the coming months. For me, there is one habit that is almost a no-fail way to save a little extra money.

Avoid the stores.

Yep. No shopping, browsing, or entering of any domain that sells ANYTHING. Period.

Take a no-shopping day at least once a week. That means everything from avoiding coffee at Starbucks to grocery shopping for that day.

Make do with whatever you have in the kitchen for dinner. Avoid running out to get a newspaper at the corner liquor store. Skip the urge to check out your local CVS.

Stay out of every store for a day. That is the only fool proof way I know of to save money. Really save money. Not impulsively spending $25 on something because you will "save" $5.00. That is not really saving. Now avoiding the impulse buy altogether and having that extra $25 in your pocket at the end of the day is really saving. And chances are by the next day you will realize you …

Six Common Characteristics of Millionaires

Want to be a millionaire, or at least become more money savvy than you are now? There is an article on six traits common to millionaires over on Savvy Sugar that might get you started in the right direction. 2010 is fast approaching, bringing a fresh start with it. Why not take some time now (in-between Christmas shopping, wrapping gifts and stressing in general), to start gathering your money plans for next year? Check out these six common habits of millionaires:

1. Learn from your mistakes. Instead of getting stuck in regrets and frustration, learn from mistakes and get value from them going forward.

2. Whether you can afford to pay top dollar or not, don't skip the process of comparing prices and seeking out deals-- the wealthiest of people will still look for value.

3. Find your niche. Most people who earn big bucks have found a niche that increases their demand and therefore, their paychecks. Doing what everyone else does probably won't make you rich.

4. Watch where your mone…