Today is Super Bowl Sunday. Come 5 pm central, my wife and I will be camped out in front of the television like millions of other Americans. One of our favorite things is the ads. We love watching all the new ads. Today we will be watching for the KIA commercial so that we can have a chance to win a brand new KIA Optima. However, today's game is bigger then that. I am a long time fan of the Steelers, who are going for their 7th Super Bowl win today.
Whether you are a Packards or a Steelers fan here's hoping you enjoy the big game.
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Discussing faith, business, personal finance, news (business and financial related), politics, and pretty much everything else.
Sunday, February 6, 2011
Saturday, February 5, 2011
Freebies Saturday 2/5/11
Good Morning. It is time once again for this weeks Freebie Saturday. This makes the 11th weekly edition of this feature. I make every effort to make sure that the freebies I list are real free offers. If you have to answer a survey and then go through 50 pages of ads to get the so called free item, I consider that spam. That is why I make every effort to make sure that those websites are never included in my list.
Free Sample of Sore No More Natural Pain Relieving Gel.
Sign up now and you'll get your FREE ice cream email five days before your birthday. You'll also receive a discount on a birthday cake.
Vote for a cheese flavor on Facebook and get a free sample of Cheez-It.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
follow me on Twitter and facebook
Friday, February 4, 2011
Frugal Tip: Stock Up
Earlier this year, I started posting a more in depth look at each of the frugal tips. Over the next few weeks I will publish the frugal tips that I have collected. Please note that not every tip will work for everyone. Chose as many of the tips that will work with you and your family and start implementing them. Today we will proceed with Tip #19 Stock up on non-perishable sale items.
If you have the room, stock up on sale goods for nonperishable purchases on items you normally buy. It is hard to beat the rate of return you can get on some of the sales the grocery stores have to entice you to do your shopping with them. This suggestion is for both nonperishable food and non-food items.
If there was ever a long-term emergency, like unemployment or inflation, what are some things you would need to buy through out the year? If you had these stocked up in advance, it could lessen the burden on you and your family.
These are just some non-food suggestions of some things we use everyday.
toilet paper
feminine hygiene
light bulbs
batteries (flashlights, smoke alarms, clocks)
filters (air, water)
razors
soap
shampoo, conditioner
lotion, chap-stick
toothpaste, floss, toothbrushes
deodorant
hair products
cleaning supplies
bleach
vacuum bags and belts
dish detergent, sponges
clothes detergent, fabric softener, stain sticks, etc.
bug spray, insecticide
pens, paper, pencils, glue, school notebooks
painkillers, itch creams, topical creams, antihistamine
facial tissue
plastic wrap, tin foil, baggies, wax paper
motor oil, spark plugs, washer fluid, transmission fluid, etc.
ice melt
garbage bags
sunscreen
cotton swabs and cottonballs
As for Food these items can be stockpiled
Canned Foods
Freeze-dried food/boxed dinners
Dehydrated Fruit
Dry Foods (Rice, flour, beans, etc)
Only stock up for stuff you are going to use. Keep it with in reason. You don't want anything going bad on you. Also I highly recommend that you pick the items up while they are on sale and when you have the cash to buy them. A good start to acquiring all this is, whenever something is on sale, buy 2 and put one away. You'll have a stockpile in no time.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
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If you have the room, stock up on sale goods for nonperishable purchases on items you normally buy. It is hard to beat the rate of return you can get on some of the sales the grocery stores have to entice you to do your shopping with them. This suggestion is for both nonperishable food and non-food items.
If there was ever a long-term emergency, like unemployment or inflation, what are some things you would need to buy through out the year? If you had these stocked up in advance, it could lessen the burden on you and your family.
These are just some non-food suggestions of some things we use everyday.
As for Food these items can be stockpiled
Only stock up for stuff you are going to use. Keep it with in reason. You don't want anything going bad on you. Also I highly recommend that you pick the items up while they are on sale and when you have the cash to buy them. A good start to acquiring all this is, whenever something is on sale, buy 2 and put one away. You'll have a stockpile in no time.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
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Thursday, February 3, 2011
Frugal Tip 18: Dryer Sheets
Recently I started posting a more in depth look at each of the frugal tips. Over the next few weeks I will publish the frugal tips that I have collected. Please note that not every tip will work for everyone. Chose as many of the tips that will work with you and your family and start implementing them. Today we will proceed with Tip #18 use only 1/2 of a dryer sheet per load.
If you are going to use dryer sheets, instead of the other methods to reduce static then cut the dryer sheets in half. This will double the length of time it takes to get through a box of dryer sheets. I understand that some people like the smell and that's why they don't want to use the dryer ball to get rid of static in their clothes. So the next best frugal thing is to cut those sheets in half. So why not consider that when trying to stretch your dollars?
Or how about:
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If you are going to use dryer sheets, instead of the other methods to reduce static then cut the dryer sheets in half. This will double the length of time it takes to get through a box of dryer sheets. I understand that some people like the smell and that's why they don't want to use the dryer ball to get rid of static in their clothes. So the next best frugal thing is to cut those sheets in half. So why not consider that when trying to stretch your dollars?
Cut dryer sheets in thirds or halves, use one strip per dryer load.Tip Nut also makes this suggestion:
- Tip Nut
Pour liquid fabric softener and hot water in a spray bottle (50/50 mix) and lightly mist wet laundry before starting the dryer. Two or three good shots should do it. You could also just spritz a clean washcloth and toss that in the dryer.
- Tip Nut
Or how about:
In a pail mix 1 gallon of water and 1 cup concentrated liquid fabric softener. Dip a sponge or washcloth in the liquid, squeeze out excess and toss in the dryer with your laundry. Seal pail when not in use.Another Dyer sheet idea comes from "The Homemade Laundry Room":
- Tip Nut
Take an old wash cloth and soak it in liquid fabric softener. Let it dry thoroughly. Once it’s dry, just add it to your dryer load as you would a regular dryer sheet. You will get many loads out of one “soaking.” I’ve gotten as many as twenty-five loads out of the cloth before I’ve needed to re-soak it. If the cloth gets gunky, just throw it in the wash. With this method, one bottle of liquid fabric softener will generally last well over a year, possibly two. No more overpriced one use dryer sheets filling the landfill, either. Dryer sheets here cost about $7.00 for 120 sheets or so (or $.06 per load). My method works out to be generally $.01 – $.02 per load. (If you must use dryer sheets, try cutting them into quarters. You’ll find that you get the same results as with a whole sheet and you’ll pay a lot less per load.)
- The Homemade Laundry Room
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
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Wednesday, February 2, 2011
Frugal Tip 17: Reuse Grocery Bags
Recently I started posting a more in depth look at each of the frugal tips. Over the next few weeks I will publish the frugal tips that I have collected. Please note that not every tip will work for everyone. Chose as many of the tips that will work with you and your family and start implementing them. Today we will proceed with Tip #17 Re-use the plastic grocery bags as trash bags (especially in the smaller bathroom/bedroom cans). I do the same with paper bags in my kitchen trash can. Besides saving you money, since you don't have to buy trash bags, you also are helping save the environment but using less plastic.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
follow me on Twitter and facebook
Frugal Tip 16: Pay More Then Minimum
Recently I started posting a more in depth look at each of the frugal tips. Over the next few weeks I will publish the frugal tips that I have collected. Please note that not every tip will work for everyone. Chose as many of the tips that will work with you and your family and start implementing them. Today we will proceed with Tip #16 Pay more than the minimum on my debts. This is one of the best ways to pay off your debts. That is after you stop taking on any new debt. That is because as you pay more then the minimum you are reducing the principle even faster. Which means you have less interest being added to your debts. Of course you can't do this with every single debt so here is what you should do.
Prioritize your debts from smallest to largest. By doing the smallest debt first it gives you a little motivation to keep going. Pay the minimum on all your debts except that smallest debt. Pay as much extra as you can on that debt. Once it is paid off take the entire amount you were paying on that debt and apply it to what you are paying on the next smallest debt. Once that debt is paid off do the same thing again to the next debt until all of your debts are paid off. Dave Ramsey calls this the snowball effect.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
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Prioritize your debts from smallest to largest. By doing the smallest debt first it gives you a little motivation to keep going. Pay the minimum on all your debts except that smallest debt. Pay as much extra as you can on that debt. Once it is paid off take the entire amount you were paying on that debt and apply it to what you are paying on the next smallest debt. Once that debt is paid off do the same thing again to the next debt until all of your debts are paid off. Dave Ramsey calls this the snowball effect.
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go ahead share your thoughts with me now, my ears are open. I'm always eager to hear what you think.
follow me on Twitter and facebook
Tuesday, February 1, 2011
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