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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: March 3, 2008
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Grandpa Terry's Free Ebook
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"Will Your Kids Have Money Problems When They Grow Up?"
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***What's Inside***
Grandpa Terry's Tip
Subscriber's Tip of the Week 1
Coupon Savings
Grandpa Terry's Update
Credit Card Information
Grandpa Terry's Tip of the Week
Site of the Week
Grandpa Terry's Email
Subscriber's Tip of the Week 2
Subscriber's Tip of the Week 3
This Week's Articles
Special Recipe - Chocolate Soda
Watch for next week's newsletter featuring:
6-step debt-elimination program
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Subscriber Tip #1
When my counters became very unsightly and unsanitary from all
the nicks and crackers I came up with a cheap fix. These were
old counter tops that had the metal edging . I removed the
edging carefully and laid apiece of vinyl floor covering over
it. I purchased this at a discount type store for $10.00. I cut
to fit and used a heavy floor glue to adhere it. smooth out and
replace the edging. The choices are unlimited as to style and
color.. Hope this helps someone doing some DIY project on a
shoestring.
Jan in NC/P/030308
Subscriber Tip Of The Week
Vote For Jan's Tip and Get A Free Gift!
Use the form at the link below to vote for this tip:
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, 10 of
my Budget and Credit Card Calculating Forms or my Bill Pay
Management System to keep track of your bills and checking
account.
Please use the form available at to submit your tips:
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Coupon Savings
by Michelle Jones
With the high cost of gas these days it's important to combine
errands as often as you can, but especially when you are
returning an item to get a lower price match or even the CORRECT
price! Be sure to check your receipt before leaving the store
(and preferably before you get to your car). You want to make
sure the price of each item rang up correctly AND that your
coupons did too!
If you would like to learn how to save more money with coupons,
including how to use them WISELY, how NOT to use them, and how
to FINALLY get them organized so you CAN use them, order your
copy today!
032706
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Grandpa Terry's Update
Welcome to The Budget Stretcher!
I've heard from so many of my subscribers that say they tell
their friends and family about Budget Stretcher. I certainly
appreciate that. Now, I'm going to make it easy for you to
recommend the Budget Stretcher home page.
Finally, after searching for 5 years I have found a Tell-A-Friend
setup that doesn't capture your information and blast you with
spam. You simply fill in your name and email address and the
email addresses of your friends and hit the Submit button. You
can even get a copy sent to yourself.
I have a challenge for you. In the past, my home page has
received as many as 600 visitors in a single day. The average
is between 250 and 300. I would like to break this record and
get at least 1000 hits to my home page in a day. You can make
this happen by referring everyone you know using the form.
Please do not send these referrals to anyone that may consider
them spam.
Now, if you will add my email address ( tre2000@midwest.net ) as
one of your friends I will give you one of the below gifts by
sending you the link for the download page. There is a space
to send a note to your friends. You can use that to let me
know which gift you would like:
The Complete Budget and Bill Organizer
10 Budget and Credit Card Calculating Forms
The Bill Pay Management System
Here is the link to Tell Your Friends:
Please take the time to read our first article "Abandon all hope,
ye who enter here - 7 deadly debt sins" By Sheyna Steiner. There's
a name in the article you may recognize.
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 have them visit:
Have a great week,
Grandpa Terry
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Credit Card Information
The true cost of paying the minimum
Calculate your payment and more
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Grandpa Terry's Tip of the Week
Good Money Advice
One thing I've noticed since I developed Budget Stretcher is
that most people actually know what needs to be done to improve
their financial situation. Over half the email I receive asking
for help includes the solutions to their problem right in the
email.
Another example of this is to see what is said on forums when
discussing fixing a money problem. Some of the people that are
the deepest in debt give the best advice to others.
So why don't they just take their own advice and fix their
problems? Because that's when it becomes personal. That's also
when they realize that it is their lifestyle that will require
changing.
Believe it or not, a shortage of money rarely creates a money
problem. You may not have the money to live the lifestyle you
would like, but, in most cases, you have the money to live on
and pay your bills on time.
I think what most people are looking for when they seek help is
encouragement and possibly an easier way to accomplish the task
without disrupting the lifestyle they are comfortable with.
There's absolutely nothing wrong with this but at some point
they must realize that things can't stay the same. It may be
hard, but changes will need to be made if they are actually
committed to solving their money problem.
The main point to this tip is that knowing what you need to do
to fix your finances is a very small part of actually getting it
done. Almost anyone can tell you how to do it.
The hard part can only be done by you.
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Site of the Week
Diva Tribe
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Grandpa Terry's Email
I have not been able to figure out if it is better to have
plenty of credit cards or to cancel all but just a few. Sometime
people on you site say have plenty to keep your credit score up.
Others say that you can't get a loan if you have lots of credit
cards because if you use them (maybe max them out) they won't
lend you money.
I have plenty of cards but, don't use them unless it is an
emergency , then I pay them off with the first statement that
comes in.
Keep up the great work. I enjoy your site.
My Response:
Hi,
I wrote a tip about a month ago that explains why you should
never cancel a credit card unless there is a problem. I also
have an ebook put out by FICO, the authority on credit scores.
Here is the link to download:
Here is the tip I wrote in January:
I never recommend cancelling credit cards and here's why:
Credit Scores are based heavily on your available credit on your
credit cards. Here is an example:
You have 5 credit cards
card 1: Credit limit $5000, you owe $200
card 2: Credit limit $2000, you owe $500
card 3: Credit limit $2000, you owe $800
card 4: Credit limit $7000, you owe $2500
card 5: Credit limit $5000, you owe $4500
Your total credit limit is $21,000 and you owe $8500 giving you
$12,500 in available credit.
If you pay off cards 1, 2 and 3 and cancel them your total credit
limit will be $12,000 and you owe $7,000 giving you $5,000 in
available credit.
card 4: Credit limit $7000, you owe $2500
card 5: Credit limit $5000, you owe $4500
However, if you pay off the 3 cards and leave the accounts open
your available credit will be $14,000 giving you a better credit
score than you would have if you cancelled them.
card 1: Credit limit $5000, you owe $0
card 2: Credit limit $2000, you owe $0
card 3: Credit limit $2000, you owe $0
card 4: Credit limit $7000, you owe $2500
card 5: Credit limit $5000, you owe $4500
If you pay an annual fee on any of the credit cards you would
have to weigh paying the fee against the increased credit limit
in your decision to cancel.
I hope this helps and isn't too confusing,
Grandpa Terry
----------
Hi, saw your letter on the budget stretcher and there are
places you can go for help, but it's small and time consuming.
I've included some links as examples. There are many resources
for autism help, you just have to be persistent in your Internet
search. As to your daughter's back issues, there are resources
there too, as well as in home support to help with care, but
again, persistence. A lot of times, it's a matter of asking.
Hitting the various forums and just pounding the Internet. I
hope this will give you a bit
<potential for a $1500 grant>
<potential for $500 grant>
Leslie
Editorial Director
--------
I stopped reading to write you immediately. Beware of
YouTube....it's filthy with contaminated files. I don't know
precisely how that could screw up your site....so my best advice
- Make sure you have a full backup Pre-YouTube.....of all your
databases, etc. incl. the mailing lists. You don't need no virus
or worms doing the email spam thing again.
Nanci in Pgh.
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Subscriber Tip #2
About once a week, I use my comb to clean the hair out of my
brush, then throw both into my washer with a load of clothes.
They always come out clean and oil free. I have never had any
problems with them ruining my clothes, but if you‘; re
worried about that, just wash them with a load of jeans or
towels. Simple!
Julie/003008
Subscriber Tip Of The Week
* Vote For Julie's Tip and Get A Free Gift!
Brand New: Use the form at the link below to vote for this tip:
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At Home Parent
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Tidbits from the Pantry
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Subscriber Tip #3
The best way to save your hard earned money is to never ever
tell anyone you have a dime saved. They will feel they are
entitled to it. This includes relatives. Don't tell, don't loan.
Mary/030308
Subscriber Tip Of The Week
Vote For Mary's Tip and Get A Free Gift!
Brand New: Use the form at the link below to vote for this tip:
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This Week's Article Links
Just click the links to view the article
Abandon all hope, ye who enter here - 7 deadly debt sins
By Sheyna Steiner
Which type of loan suits you best?
By Cheryl Allebrand • Bankrate.com
7 Steps For Eliminating Your Debt
by Scott Bilker
To read more articles visit:
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Benefits Visit:
Visit Our Forum
Budget Stretcher Subscriber Benefits Page
Join This Groups
A_Simple_Life
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Debt Consolidation can:
H - Help avoid filing bankruptcy
E - Eliminate creditor harassment
L - Lower debt payments up to 50%
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Special Recipe
Chocolate Soda
2 Tbsp. chocolate syrup
1/2 cup club soda
1-2 large scoops vanilla ice cream
Mix syrup and club soda in a tall glass. Add Ice
cream. Pour in more soda. Stir or blend and serve at once.
Serves 1.
This recipe compliments of Living On A Dime. Get more of the
recipes you can actually use:
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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.
1. To dry nail polish in a hurry, spray nails with PAM Oil
Spray.
2. Remove Planter's Warts with banana peels. Before bedtime
tape a banana peel inside to the skin, over the wart, and cover
with a bandage. Within a couple of days the wart will be gone.
3. Olive oil can be added to bath water for a skin softener.
4. Save money on services you need by receiving them from
students in training. Examples: Hairdresser, Dental, Massage.
5. Make your own flexible ice packs. Pour 3/4 cup water and 1/4
cup rubbing alcohol into a zip-type plastic bag and close. Put
zipped bag into another bag, seal, and freeze. You will have a
slushy bag of ice whenever needed for sprains, headaches, or
whatever.
6. Ask your doctor for free samples. Pharmaceutical companies
flood doctors with samples of all kinds of expensive prescrip-
tions. If your doctor doesn't offer, ask.
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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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