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Showing posts from February, 2010

Save Money This Weekend : 10 Things You Don't Need To Buy!

1. Another Pair of Jeans. Seriously. Not even if they are on sale. Put down the jeans and march out of the store, head held high and wallet still full.

2. Cute knick-knacks at a swap meet. Unless you plan on having a garage sale soon yourself, why do you need another knick-knack?? Ignore the cute ceramic piggy salt and pepper shakes. They are SO NOT calling your name!

3. A new (expensive) book at a book store. Visit your library. It is painless and free. Try it.

4. That cute doggie sweater for Fido. Or a new diamond-studded leash. (Is it really a sign of your love to pamper your pooch with expensive stuff?) Take Fido for a play-date at a local dog park. He'll love you for it!

5. A pricey Sunday brunch at the restaurant. Scramble some eggs and eat at home. For an extra treat, count the money you just saved (and the calories!)

6. A movie ticket (not to mention the movie theater snack bar....yikes!) Make popcorn and rent a movie from Redbox.

7. A car wash. Exercise. Splash a little…

Save Money With Soups

Save some money with economical, healthy and delicious soups (before the warm weather gets here!). Soups are usually inexpensive hearty meals that can be simmered all day in a crock pot, and served with side dishes like corn bread, carrot sticks, crackers, sourdough rolls, etc.

One of our families' favorites is a Cuban Black Bean soup (the hubby is Cuban....so you know who is the chef on this soup entree!). Since we are a vegetarian family, we make this soup without any added meat ingredients, but I do know another version of this black bean soup can be made adding ham.

Black Bean soup is low in fat and is a good source of protein, iron, and vitamin C.

Our Black Bean (Veggie) Soup

Ingredients

1 1/3 cups chopped onion
3 cloves garlic finely minced
1 jalapeƱo pepper, seeded and minced
2 tsp ground cumin
1/2 tsp each dried oregano and thyme
1 tablespoon Olive Oil
1/4 tsp pepper
4 cans (about 15 oz each) black beans, rinsed
2 cans (14 oz each) vegetable (or chicken broth) if you prefer
2 Tbsp fresh…

Saving Money By Taking Care of Yourself

There is probably no one more reluctant to make those doctor appointments and dental appointments than me. I am a chicken. Even getting eyeglasses is something I procrastinate about, although I am quite certain I need them. Putting off regular check-ups and exams is just not a good idea for our health and for our wallets.

While we all know this, I wonder how many people are like me and procrastinate? Instead of getting myself in for an eye exam and finding out just which prescription glasses I need, I instead continue to squint, get headaches, have others read fine print for me, and worst of all...make my wrinkles worse!

Prevention is the best medicine. And the best way to live healthy and not end up dealing with devastating medical bills later on. Getting yearly exams, dental check-ups, eye exams and getting some darn eyeglass frames (Sigh),will give you peace of mind and is one of the most important ways to save you money.

I wrote this post on behalf of Business2Blogger and Glasses USA

Good Debt vs. Bad Debt

According to financial expert, Suze Orman, not all debt falls into the category of bad debt (though some may argue that by saying all debt is bad.) Orman says that "Knowing the difference between good debt and bad debt is the key to financial well-being."

Good Debt is money borrowed to purchase an asset: homes or mortgage, education or student loans, etc. while bad debt is money borrowed to finance a "want" or a depreciating asset: cars, credit card balances, home equity lines, etc

Follow these guidelines to help you determine what qualifies as "Good Debt:
The debt must be limited, without the ability to continue increasing (a revolving account, such as a credit card, is not limited, and increases as you add more to it).The debt’s interest rate must be stable, at a reasonable, predictable level.The debt must have regular payment amounts that are manageable within a budget, on time to avoid late fees and penalty interest-rate increases.The debt must have been acq…

Save Money,Lose Weight

Going shopping for groceries takes a big bite out of our budget. I admit I personally am not a big coupon-user. I know, I should be reading the Sunday papers, cutting out coupons and scouring online coupon sites. I know. I should be following coupon-ing blogs and going shopping at CVS and using my coupons and saving money (even making money!).

But I don't use coupons. At least not on a regular basis. I could use improvement on my coupon-using skills. There I said it. But I do need to save money when I go grocery shopping, or take out a second mortgage to cover the family's food bill.

So I love articles like the one I read on Yahoo this morning. It's about eating pasta (always a money saving meal) and still losing weight while doing so. Some pasta, veggies and a salad is a no-brainer when it comes to eating on a budget, but doesn't eating too pasta pack on the pounds? Or at the very least, keep us firmly at the weight we are already not happy with instead of trimming away…

8 Money-Saving Beauty Tips

Try thesemoney-saving beauty tips from Cosmopolitan.com, and put your money in a savings account instead of the make-up counter!

1. Use cinnamon oil as a natural lip plumper! Cinnamon is the active ingredient in many expensive lip plumpers, but you can get cinnamon oil at natural-food stores for a lot cheaper and it will plump your lips naturally.

2. Save on shampoo by washing your hair every other day instead of every day. Not only will this be better for your hair (too much shampooing can dry out your hair), your shampoo will last longer.

*tip*sprinkle a little baby powder on your roots to absorb any oil in between shampoos.

3. Use Pepto Bismo to help fight pimples. Just smooth a layer of the liquid on your face like a mask, and rinse off after it dries. It works like a salicylic acid to tighten your skin and reduce redness.

4. Use regular olive oil for soft skin. Put a few drops on a cotton ball, and dab on flaky spots, avoiding any breakout zones. Then steam your face over a …

Free Pancakes at IHOP Tuesday

Gather the family and head to your local IHOP this Tuesday, Feb. 23. and get free pancakes! IHOP will be celebrating it's annual National Pancake Day, and each customer can get a free order of shortstack pancakes between 7am and 10pm. What they ask for in return is that you consider making a donation to support local children's hospitals through Children's Miracle Network, or other local charities.

In February 2009, IHOP partnered with Children’s Miracle Network to celebrate its fourth annual National Pancake Day. During this event, IHOP guests were invited to enjoy a free short stack of its signature buttermilk pancakes and, in return, collected donations for Children’s Miracle Network hospitals. IHOP gave away more than 2.5 million pancakes. More than 1,300 IHOP restaurants participated in the day’s festivities. Through their support of National Pancake Day, IHOP employees and guests raised more than $1,300,000.

Get more details and check for a participating IHOP near you …

File Your Federal Tax Return Online For Free This Year

There are few things I pretty much hate on a consistent basis, and one of theses things are TAXES. Specifically, the preparing and filing income taxes. As luck would have it, my husband is not a fan of this annual chore either. Which means, sadly, the primary responsibility of filing our yearly taxes falls on my shoulders. I start dreading the thought of tax season in December, and I also start procrastinating.

This year, I want to be brave and prepare our income tax forms early (please do not tell me you have done yours already. And keep it to yourself if you have received a nice tax refund already.) So I am feeling a bit more optimistic about my goal after finding out that I can file for free online at www.eSmartTax.com. Since I spend so much of my time online anyway, why not do get my Federal tax return done free anyway, right?

eSmart Tax, the premier online tax preparation service powered by Liberty Tax Service, is offering two ways American taxpayers can file their federal return o…

5 Ways To Save Money Planning Your Vacation

Thinking about planning your summer vacation? Before you do, check out these 5 websites to see how they can potentially save you money on your next vacation.

Kayak.com

This website will gather airline rates for you and gives you the most comprehensive list of low fares. It also flags red-eye flights, long layovers, and short connection times. Once you choose your fare, you'll be directed to that airline's site. (Kayak.com doesn't search Southwest Airlines but will redirect you to its site.)

yapta.com

This website will track the price of a flight before and after you book it, and then alert you (by e-mail or Twitter) if the rate drops. Contact the airline directly for a refund; Or pay a $15 fee for Yapta to get you a refund.

Hotels.com

This website will help you find the best deal on hotels, vacation rentals, bed and breakfasts, and resorts. They list over 85,000 properties, so finding a great rate shouldn't be too hard. They also offer a Price Match guarantee (find a sit…

Making Money To Save (When You Are Out of Money)

Perhaps the biggest obstacle we face when it comes to saving money is finding that extra money to save! It's all good and fine to talk about putting money away for "emergency funds" and "rainy days," but what if there is literally no extra money at the end of a day to save?

Especially when times are as tough economically as they are today, even sparing a dime to toss in a money jar before going to bed may be tough. That dime might be needed the next day to help pay for a school lunch. And to some this financial picture may sound a bit extreme, but to others they may be nodding their head in agreement.

So how to make some extra money to save?

One possibility is selling your used books. There are sites online that may buy your books, as well as Amazon.com, where you can sign up instantly and start listing your books for sale right away.

But making money selling books is not all that easy or guaranteed to put some extra cash in your money jar. There are many sites…