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The Budget Stretcher
Week Of: February 19, 2007
AOL Users Please Visit Online
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Grandpa Terry's Quips
Tip #21 - Unless you want enough fuel for a bonfire at the end of
the year, throw away all of the propaganda you receive with your
bill statements.
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Support Our Sponsor
Free Grocery Secrets
Discover how my simple manual can quickly and easily save your
family thousands of dollars per year in mouth watering free
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~~Free Copy Of "Recipe Box" Software
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***What's Inside***
Money Saving Tip
Subscriber's Tip of the Week
Coupon Savings
Grandpa Terry's Update
Credit Card Information
Grandpa Terry's Tip of the Week
Site of the Week
Grandpa Terry's Email
This Week's Articles
Special Recipe - Banana Bread
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Subscriber Tip
My suggestion is not only for the members, but also the
environment by keeping useful things out of the landfills.
Almost all communities now have a Freecycle Group. For those
not familiar with Freecycle, it is a group that you post wants
and offers. Say I have a set of dishes that I no longer want, I
post them on Freecycle. Members that would like to have them
send me an email and I pick one and they pick them up. Or if I
would like to have a foot massager, but can't afford one, I can
post a "want" message and if another member has one stashed in
their closet that they never use and had forgotten about, they
send me an email and I go pick it up.
I have seen "offers" that I would think no one would want that,
such as 10 wire coat hangers....but sure enough, someone did. On
the other hand, I have seen "offers" for things like a brand new
diamond wedding set. The gentleman that posted it said that the
wedding was called off, he was not able to return the set, he
took it to the pawn shop and they offered him so little for it
that it was an insult.
He said he would rather give it away to someone that couldn't
afford a nice set...it was valued at $2, 000.00. The only thing
that he asked was for members to write a little something about
themselves in their emails rather than just "I want it". He
ended up giving it to a couple that was getting married while
the groom was home on leave from Iraq...and they even invited
him to the wedding. So, as you can see what is trash to you, is
a treasure to someone else....and you can find some really great
treasures!
Lil
All you have to do is submit a "Subscriber Tip" and if it
appears in The Budget Stretcher you will get your choice of
either The Complete Budget and Bill Organizer Download or 10 of
my Budget and Credit Card Calculating Forms.
Please use the form available at:
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Coupon Savings
by Michelle Jones
While Michelle is busy taking care of her Mom, please check out
her Grocery Saving Tips by the Aisle
Save hundreds of dollars on your groceries each month, with or
without using coupons! Read more of Michelle's FREE grocery
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Grandpa Terry's Update
(Quote - "Do It Now Before Your Future Becomes Your Past")
I want to personally welcome you to this week's newsletter. If
you are a new subscriber all you have to do is just sit back,
read and enjoy.
Whoopee! I received a total of 18 entries to my Slogan contest
out of over 25,000 subscribers...
Come on folks, I know you can do better than that. Let's try
this again only this time I have a form you can use. Here is
the offer again:
Would You Like To Win $50?
Effective immediately, I am accepting entries for a Slogan to be
used on the Budget Stretcher web site and this newsletter.
All you have to do is submit your Slogan in 10 words or less to
me using the form at the below page:
This contest will run until February 28th. At that time I will
choose the top 10 entries and list them in the newsletter so
that you can vote on the entry you believe best represents
Budget Stretcher. The entry with the most votes will receive
$50 via a check, PayPal payment or a gift card, the winner's
choice.
Please take the time to submit your entries.
There has been some discussion lately about free offers.
There's just one thing I want you to remember. Whether it's on
the internet on not, you very seldom will receive anything
absolutely free. A business can't operate by giving away things
without the expectation of some kind of return.
Let's just take this newsletter as an example. I offer this
newsletter and several benefits at no cost to over 25,000
subscribers. If I didn't have a reasonable expectation that
some of the subscribers would purchase the products I offer
it simply would not exist.
By it's very nature of providing help to those that are already
having money problems the possibility of selling these products
is very low. Hence, the more advertising that is required to
maintain the newsletter and web site.
I am absolutely dedicated to helping as many subscribers as I
can learn how to manage their money and provide a better life
for themselves and their families. And, I can do this without
any cost to those that can't purchase the products if I can
earn enough to keep Budget Stretcher afloat by selling to those
that can afford to order the products.
Why am I telling you this? Simply because I want you to look
at every free offer and understand that there is probably some
cost involved at some point. Like Budget Stretcher, it may just
be looking at advertisements, but it's there.
There is one more thing that I want to pass along about the
products I offer. Every one of them have a money back guarantee
or they aren't advertised on Budget Stretcher. If you aren't
completely satisfied with the product you will get your money
back during the guarantee period.
If for some reason the company that is offering the product
doesn't honor their guarantee I will remove them from ever
advertising with me again and I will personally refund your
money so long as the guarantee period hasn't expired. Not
because I'm a great guy but because you put your faith in me
when you placed your order.
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
If you know someone that may be interested in subscribing to
our newsletter just have them visit:
All the best,
Grandpa Terry
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Support Our Sponsor
My Budget Planner
Are you frustrated trying to get by on the money you
make?
Would you like to get a good view to where all your
money is going?
Would you like to start saving your money, or save
even more?
Looking for something easier then software like Quicken
or Money?
Would you like to teach your children about finance?
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Credit Card Information
Transferring a Credit Card Balance
Courtesy of Creditorweb.com
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Grandpa Terry's Tip of the Week
Here is another contest I thought you may be interested in.
What did Ben Franklin know about saving money that could help
families today?
2007 marks over 300 years since his birth and the lessons he
learned then are still true today. He'd still be encouraging
people to use their money wisely. Ben Franklin was one of the
most quoted public figures ever and some of his most famous
quotes focused on saving money.
What would Ben Franklin think of our modern economy? Would he
still think that 'a penny saved is a penny earned' in a world
that includes online grocery flyers and websites featuring
money-saving tips?
Since MyGroceryDeals.com and TheDollarStretcher.com are sure
that Ben would encourage people to use modern tools to save
money they've teamed up to create "Ben's Grocery Challenge"
For eight consecutive weeks beginning Feb 19th the two sites
will be encouraging visitors to share their best grocery related
money-saving tips. Visitors to Mygrocerydeals.com and
TheDollarStretcher.com will help select the best tip. Every
week, the person with the best selected tip will win a Ben ($100
bill). As well, all voters will also have a chance to win a $100
Ben bill at the end of "Ben's Grocery Challenge". It's a simple
as that!
Ben Franklin was well known for encouraging people to
contribute to the common knowledge and to benefit from others'
wisdom. We think that old Ben would be pleased to see thousands
of people discover and share ways to save at the grocery store.
"Ben's Grocery Challenge"!
About mygrocerydeals.com:
mygrocerydeals.com is a grocery flyer comparison search engine,
reflecting the Internet's growing use as a "pre-shopping" and
research tool. mygrocerydeals.com is available in every ZIP Code
across the United Stares. Members can quickly create a profile
and then search their local stores automatically for the
advertised grocery items they are most interested in. The member
can create a price-optimized shopping list of items, save it,
print it, even e-mail it, and be ready to save big on their
weekly in-store grocery shopping, all in a matter of minutes.
For more information, please contact:
Paul Davis,
Tel: (613) 224-2525 ext. 111
E-mail: pdavis@mygrocerydeals.com
About TheDollarStretcher.com:
TheDollarStretcher.com has been helping people 'live
better...for less' since 1996. It features a free database of
thousands of articles with practical ways to save time and
money. Visitors can search by keyword or use the topical index
to find solutions to the money problems that they face every
day. Regular visitors come back each week to learn of new ways
to stretch their dollar. Articles are written in a style that
makes complicated financial issues simple and easy to
understand. If it has to do with money, you'll find it discussed
in TheDollarStretcher.com.
For more information, please contact:
Gary Foreman,
Tel: (941) 761-7805
E-mail: gary@stretcher.com
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Site of the Week
Saving Advice.com
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Grandpa Terry's Email
Topic of Discussion
Work From Home answer for Cathy
Hi Grandpa Terry,
I have just completed this FREE work from home course and can
assure you it is well worth your time.
I can promise you that you need no special computer skills to
achieve this. It is not a get rich quick scheme ( and does not
pretend to be) it is a very intensive course but when its FREE
what have you to loose but some time by trying it out.
I have some great news for those of you who are like myself,
you want to make money online but you just don't know how to get
started.
Visit the below link:
--------
Terry,
Just had to comment (again!). This time on the lady asking
about ads for making money at home using your computer. Some of
them are legit but some of them aren't. I have a WAHM business
and it's actually something I can do from home, even if
surrounded by kids, but it's not data entry. People just need to
do their research and make sure it's a legitimate company before
getting involved. There shouldn't be a huge investment to get
started in a business. Just use common sense. I have a couple of
articles on my website about how to find a good home business.
Would love to have you steer her my way to either
Joyce Pierce
--------
I keep one of those magnetized pads on my fridge for my grocery
list. I always start my list at the bottom of the page and work
up, so that when I tear off my list I usually have half a page
on the pad that can still be used.
Peggy
--------
Hi Grandpa Terry,
My credit cards are high, my bank will give me a home equity
loan to pay them off but that still leaves me with that plus
my mortgage. Monthly payment would be lower than what I pay
now. Could I just try snowballing the cards instead?
Here I am again,
(great)Gramma Joan
My Response:
Hi Gramma Joan,
Since your credit card balances are high I would recommend the
home equity loan especially if the interest rates are above 15%.
You can always pay more on the loan to pay it off quicker.
It would be hard to save as much with the snowballing method as
it would with the loan.
I hope this helps,
Grandpa Terry
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Subscriber Tip
My husband is always looking for his safety glasses...I read a
tip that you hang a thick white cotton sock on the wall in your
workshop area to store your glasses in. This will not only
help you find them when you need them, but will keep them
scratch-free and dust-free.
Linda
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quickly create an easy to use household budgeting plan.
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Budget Stretcher Partners
At Home Parent
Frugal Folks.com
Tidbits from the Pantry
Abbys Good Stuff for Free
Diva Tribe
Free Credit Card Reviews
MomsMakingMoneyOnline.com
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Subscriber Tip
To make your dry time shorter in the dryer, throw in a dry
fluffy towel with jeans or towels. It really does shorten
your dry time for those items.
Diana
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This Week's Article Links
Just click the links to view the article
5 questions to help choose a loan or line of credit
By Bankrate.com
Money Is A Family Affair
By Terry Rigg
Penny Pinching Doesn't Have to Hurt!
By Wendy Lomano
To read more articles visit:
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Benefits Visit:
Visit Our Forum
Budget Stretcher Subscriber Benefits Page
The Complete Budget and Bill Organizer
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Visit Your Forum
Join These Groups
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Support Our Sponsors
Samples for free - over 1500 to choose from
Free 1500 samples
Samples of candy, food and other items
Free candy samples, pet samples, + others
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Special Recipe
Banana Bread
1 1/2 cup sugar
1/2 cup shortening
2 eggs, beaten
1/2 tsp. vanilla
1/4 cup sour milk
2 cups flour
1/2 cup raisins (optional)
1 tsp. baking powder
1/2 tsp. baking soda
1/2 tsp. salt
1 cup bananas, (3 large) mashed
1/2-1 cup nuts, chopped (optional)
Mix all the ingredients until smooth. Pour into 2 loaf pans
greased and floured on the bottom only. Bake at 350 degrees for
35-40 minutes.
This recipe compliments of The Best Cookbook Anywhere Not Just
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Everyday Savings
These Tips provided by The Frugal Shopper
Please show your appreciation for these great tips by visiting
this site.
~~Did you know you can freeze milk? Next time it is
on sale, pick up several gallons and freeze it!
~~Freeze candles before using and they will burn longer.
~~The more food in the oven, the more efficient it is.
The same goes for your freezer.
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Contact Information:
Budget Stretcher
1203 Madison 228
Fredericktown, MO 63645
FAX: 573-783-5982
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Disclaimer: This newsletter is only intended to provide
information on proper money management. Budget Stretcher or
Terry Rigg can not accept responsibility for any injury or
damage that may be caused to yourself, others, or property when
following any advice given.
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