Powered by YourMailinglistProvider.com
This is an OPT-IN list ONLY! If you feel that you have received
this message in error, please follow the directions at the
bottom of this email to unsubscribe. Thank you. This email
contains advertisements to help support Budget Stretcher.
***********************************************************
The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: March 24, 2008
AOL Users Please Visit Online
***********************************************************
Upgrade Your Subscription To Premium Get 7 Days Free
You have got to check this out. You won't find so many resources
to change your financial future in one place anywhere on the web.
See what all the fuss is about:
***********************************************************
Grandpa Terry's Free Ebook
Free Ebook
Aesop's Fables
***********************************************************
Support Our Sponsor
"Do Your Kids Know How Much Money You Make?"
It's an easy enough question, but the answer isn't so easy.
Many parents hide the (sometimes) gruesome details of the
family finances from their kids.
After studying the financial routines of countless families,
I've found that kids who know how much their parents make (and
spend) every month are more likely to be financially successful
when they grow up.
By analyzing the answers to 11 more yes/no questions about YOUR
financial habits I can forecast YOUR KIDS' financial future with
amazing accuracy.
Take 60 seconds to discover your child's Financial Future Score
at
***********************************************************
***What's Inside***
Grandpa Terry's Free Ebook
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 - Quick No-Knead Rolls
Watch for next week's newsletter featuring:
10 wackiest tax write-offs
***********************************************************
Subscriber Tip #1
Hi Grandpa Terry,
Just a couple of tips for everyone. When you have some old
towels instead of throwing them out cut them into strips and hem
them they make great scrubbers for your back in the shower.
To get rid of moles in your garden chop some garlic cloves,
scrap away the molehill until you see the hole and drop the
garlic into it, it really works and it's goodbye mole without
trapping it.
Have a great Easter.
Regards
Sue/P/032408
Subscriber Tip Of The Week
Vote For Sue'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 the below link to submit your
tips:
***********************************************************
Coupon Savings
by Michelle Jones
Dear Terry,
Thank you for telling your readers about my latest book, "101
Coupon Tips... to Help You Save More at the Store." I just had
to write you and tell you about a recent trip to the grocery
store this past weekend. I was cutting out coupons on Sunday and
found several great ones ($1.00 or more) that were about to
expire that day. So I told my husband we needed to stop by the
grocery store while we were out. Then, since we were going to
the store and had our oldest son with us, age 14, (who I thought
would make a great helper!), I gathered up ALL of the coupons I
wanted to use for this month. The trip took less than an hour
and on a grocery bill of $96.00 we saved $28.23 dollars in
coupons and another $20.24 with additional sale prices. My
husband and son said they didn't even mind the trip, it was easy
and even FUN! But what they loved the most was how much money we
saved buying the foods we normally get, whether we have coupons
or not. As we were walking to the car they said, "$28 in
coupons, WOW!" (I've been trying to tell them for YEARS how much
money I save with coupons, but you know, some husbands!) So then
I replied, "Yes, plus the $20 in sale prices brings that to $58
in total savings!" And THAT'S why I wrote my coupon book, Terry,
to help people do this too! I know I've saved at least $18, 000
using coupons over the last twenty something years or more. That
may not seem like a lot of money to some people, but it sure is
to us. I just had to write you about our trip to the store this
weekend; I knew you'd appreciate it! :o)
Have a great week!
Michelle
Grandpa Terry's Note: Michelle has put together a great list
of tips that has helped her save thousands over the years. I
know she has some great ideas that will benefit us all. Please
take a minute to check out her ebook "101 Coupon Tips... to Help
You Save More at the Store."
If you would like to learn how to save more money with coupons,
including how to use them WISELY, when NOT to use them, and how
to FINALLY get them organized so you CAN use them, order your
copy today!
***********************************************************
Grandpa Terry's Update
Welcome to The Budget Stretcher!
It's more important now than ever before to get control of your
finances. With the of prices gas, food and nearly everything
else skyrocketing it takes more money to just maintain your
household.
Where I live gas is about $3 a gallon for regular unleaded. For
a vehicle that averages 20 mpg and drives about 20, 000 miles a
year you can expect to spend about $3000 a year. That's almost
$60 per week.
I've seen figures that the average American family now spends
about 15% more on food than they did just a few short months
ago.
If you are already running a tight budget this can mean serious
problems. Even if your budget isn't that tight you will need to
make adjustments in your spending and learn how to save any way
you can.
I'm not being pessimistic, I'm being realistic. I'm also not
worried about the overall economy. I've learned that we have ups
and downs in our economy and most of the time they are short
lived.
We simply have to be prepared. If you take the time to
eliminate the waste in your budget it will go along way toward
freeing up money to cover these increased expenses.
I just posted a poll on my home page that asks "What concerns you
the most about your money?" I would like your input. Please
column for the poll. While you are there why not recommend
Budget Stretcher to your friends? There is a link close to the
top of the page "Click here to Tell your Friends about Budget
Stretcher".
If you haven't already downloaded "E-Cookbooks Library Sampler"
here is the link to do so. It has over 200 recipes and is free.
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
***********************************************************
Support Our Sponsor
Aisle-By-Aisle Grocery List Software
Makes Shopping More Fun!
The idea that there is actually software that can help
me and my family with our weekly shopping expeditions.
A program like this would make our shopping experiences
much quicker and easier too.
**********************************************************
Credit Card Information
Cash-out to pay off cards or keep debt?
by Scott Bilker
***********************************************************
Grandpa Terry's Tip of the Week
Quick Money Management Tips
This is the 1st in a series of articles that provide helpful
money tips that you can use to stretch your budget.
1. Don't use your credit cards unless you intend to pay off the
balance at the end of the month.
2. Prepare a simple budget that you can stick to.
3. Organize your bills and receipts so that you can lay your
hands on anything you need within 60 seconds.
4. Use your checking account only to pay bills. Use cash for
everything else.
5. Control your impulse spending.
6. Don't spend more than you make each month including credit
card purchases.
7. Plan all of your purchases no matter how large or small.
8. Set your financial priorities keeping in mind you and your
family's survival.
9. If you are having money problems, find out how you got there
so you can make a plan to get out.
10. Set aside some money for a crisis fund you can use for
unplanned and unexpected expenses.
Learn how to know the cost of a loan before you sign the
papers. Download the Free "Loan Calculator! Plus" by visiting:
***********************************************************
Site of the Week
Womens-Finance.com
***********************************************************
Grandpa Terry's Email
Hi there, Terry!!
You were wondering about the magic pie recipe. I've had this
for a couple of decades; I've made it several times and truly
love it. It's got the consistency of a custard pie with coconut
in it as well. For those who love baked custard and coconut,
this is a keeper. Oh, and it's super easy, too, since you can
get a pre-made pie crust at the supermarket and then dump the
rest of the ingredients in a blender, blend, and then put it in
the baked pie crust. Then you throw it in the oven and that is
it.
Hope there will be some adventuresome subscribers out there who
are willing to give it a try. Feel free to add this to your next
newsletter.
Jo
----------
Dear Grandpa Terry.
Just to add my 2 cents to the subject.
Do not take your hand bag shopping.
Invest in a small fanny pack (about 50 cents - $1.50 at the
thrift store or garage sales)
Put money, credit card, store discount card, and one check
together with ID (very important) and any essential medication
such as nitro or glucose tabs into the pack and you are ready to
go. Both hands are free and keys and shopping list go in other
pockets. Other ideas include pinning a zippered pouch inside a
waist band or using a pouch with a neck strap that hides under
clothing. Strapping your handbag into the grocery cart does
delay stealing but it only takes a second for a thief to unsnap.
Don't forget thieves like to blend in and what looks like an
innocent friendly old lady who asks for your advice may be a
decoy.
If you live in an area where you are fearful of mugging. Keep
your valuables on your person and by all means carry a handbag
and fill it with things a woman would normally carry and a big
fat wallet full of change but only a couple of dollars. That way
the thief will grab the bag and run and not be suspicious that
he has an empty bag till he gets round the corner, which gives
the victim valuable seconds to get away. Another simple
precaution to take in case you do loose a bag full of important
information is to photocopy important papers so that credit card
companies etc can be immediately notified. Also if you can't
afford cell phone service obtain a used one and keep it charged,
it can be used to call 911 free.
Veronica in NYS
----------
From last week's newsletter:
> > If you buy gas at Sam's Club (and maybe at the other
wholesale discount stores like BJ's), you may want to reconsider
making that purchase. The gas that's Sam's Club buys is the left
over sludge, water, sediment, and other junk that remains after
gas stations get their fill. That is why the price is 5-10 cents
a gallon cheaper<<
Is there proof of that? Or is this just rumor, perhaps started
by some of those "local stations" or their suppliers? I've been
taking business classes, too, through SCORE, and Cost Co was
used as an example of financing a business, without using any
personal money or going into debt through loans.
I get gas at Cost Co-- they get the same gas as other stations,
they just don't mark it up as much. I've never had a problem
with it, although I have had problems with Arco and "no Name"
type stations' gas. The reason Cost Co can sell cheaper is 1)
you are already paying part of the costs with purchase of
membership, 2) it is a "member benefit", intended to bring in
more people signing up for membership, and only has to "break
even" as far as profitability in Costco’s business plan; local
stations are primarily selling gas-- they need to make a profit
on their sales, and sales of coffee and over-priced groceries in
their attached mini-marts aren't enough to keep them in
business.
Kaytee
--------
Suggestion regarding securing purse while shopping.
Most stores have shopping carts with straps to secure children.
I put my purse where a child would sit and position the straps
THRU the straps or handles on my purse. If someone attempts to
snatch my purse while I am distracted.....it won't happen! The
straps/handles are secured.
Donna, Long Beach, Ca
***********************************************************
Subscriber Tip #2
Use Cash ~ Buy your Food & Household Items with CASH! If
you are not already on a budget, figure an amount for your
monthly food and household item and use cash to pay for those
purchases. It is much easier to resist that bottle of coke in
the checkout line when you are spending cash. You are much more
likely to only buy what you need and to think twice about your
purchases. It hurts a little to spend your hard earned
greenbacks!
Tashia/032408
Subscriber Tip Of The Week
* Vote For Tashia's Tip and Get A Free Gift!
Brand New: Use the form at the link below to vote for this tip:
***********************************************************
Support Our Sponsors
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?
***********************************************************
Budget Stretcher Partners
Thrifty Fun
Smart Money Tips
TheFrugalShopper.com
Debt Smart
Free Credit Card Reviews
***********************************************************
Subscriber Tip #3
I am in Adelaide, South Australia. The cheapest time to buy
petrol (gas) here is Wednesday mornings. There are also several
local websites that document pump price per litre. It is well
worth it to check them out.
We also have a system of vouchers (coupons) from a few
supermarkets that offer up to 4 cents per litre off (to a
maximum of 30 litres)if you spend a certain amount in store. I
have personally found their savings are not worth it, as the
prices in those stores are quite high, and their Petrol Stations
are too far out of my way to use them.
Anne/032408
Subscriber Tip Of The Week
Vote For Anne's Tip and Get A Free Gift!
Brand New: Use the form at the link below to vote for this tip:
**********************************************************
Support Our Sponsors
Debt Consolidation can Instantly Reduce Your Debt up to 60%!
Discover why our debt consolidation service is the most
effective solution for getting Americans out of debt. Let our
debt specialists review your finances and help you:
Save thousands in interest charges.
Reduce your credit card debt by up to 60%.
Help you regardless of your past credit history.
No credit check required.
No home ownership required.
***********************************************************
This Week's Article Links
Just click the links to view the article
Should You Pay Off Debt or Invest in Savings?
By Care One Credit
(debt)
6 hobbies that can make you money
By Jay MacDonald • Bankrate.com
(make money)
3 Planning Lists to Organize Your Meals
By O Quinn
(food)
To read more articles visit:
***********************************************************
Take Advantage of your Budget Stretcher Subscriber
Benefits Visit:
Visit Our Forum
Budget Stretcher Subscriber Benefits Page
Join This Groups
A_Simple_Life
***********************************************************
Support Our Sponsors
A selection of over 1000 stores to get CASH BACK of up to 30%!
FREE $2.50 BONUS for signing up!
Money-Saving COUPONS.
Completely SPAM-FREE. Your email address is kept in strict
confidence.
***********************************************************
Special Recipe
From the Ebook "Nelson Family Recipe Book"
Quick No-Knead Rolls
Kathryn Stanley
¾ cup hot water
½ cup canned milk
2 packages yeast
2 tablespoons sugar
3 ½ cups flour
1 teaspoon salt
Dissolve yeast in water and milk. Add sugar, 1 ½ cups flour,
and salt; mix until well mixed. Add 2 cups flour, mix well. Let
set 5 minutes. Shape into rolls and let raise until double. Bake
at 350º for 15-20 minutes. I use these when I make harvest soup
or beef stew. They are easy and good, though they are a heavier
roll than ones that raise twice. I double this recipe, it makes
enough to fit Grama Stanley's old baking pan that Mom Stanley
gave to me, don't know the size, a little longer than a 9 x 13
pan.
You can order the "Nelson Family Recipe eBook" for only $3. This
ebook is 120 pages of down home recipes. Please use the below
payment link to order your copy today (30 day money back
guarantee):
***********************************************************
Everyday Savings
These Tips provided by The Frugal Shopper
Please show your appreciation for these great tips by visiting
this site.
Learn when is the best time to buy. Get the Sandy's Seasonal
Sales Shopping List by visiting:
***********************************************************
Contact Information:
Budget Stretcher
1203 Madison 228
Fredericktown, MO 63645
FAX: 573-783-5982
***********************************************************
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.
|