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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: March 31, 2008
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"Will Your Kids Make More Money Than You When They Grow Up?"
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***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 - Ham Pretzel Pleasers
Watch for next week's newsletter featuring:
Spotlight: Clark Howard
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Subscriber Tip #1
Don't throw away unused or expired manufacturers coupons!
Military families can use your coupons for up to 6 months past
the expiration date. While many of us have thought or still
think military families get "big" discounts on their purchases
on base, this is not entirely true. They do not pay sales tax,
however the mark up on many items make the prices higher,
especially on overseas bases. Our church collects coupons for a
military families from our congregation, sends a "Care Package"
along with coupons that they share with other families each
month. You probably know someone in the military already or
belong to an organization with military family members. Help
them, protect us. Many are stretching their budgets to the
breaking point and coupons can help them stretch it further!
Lena/P/033108
Subscriber Tip Of The Week
Vote For Lena'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:
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Coupon Savings
by Michelle Jones
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!
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Grandpa Terry's Update
Welcome to The Budget Stretcher!
Finally, we have some official word from the Internal Revenue
Service about the Stimulus Payment Refunds that will be starting
in May. Thanks to Nanci in Pgh that sent me this info, you can
find out when you will receive your refund and how it will be
calculated. Here is the link to the payment schedule:
One of our main concerns about our finances is our Credit Score.
The article Under my Credit Card Information section, Bankrate
does an interview with an actual FICO employee. There is some
good info in this article that I think you should know.
What would you do if you lost your main source of income? I'm
sure you've probably throught about it. Do you have a backup
plan or are you just keeping your fingers crossed.
There was a day when you could get a job and feel pretty certain
that you would be able to retire from that job and live fairly
comfortably in your retirement. For the most part, those days
are gone and no one can be certain that their job will be there
for another year let alone until they are retirement age.
I know I keep harping on planning but it's the only way to be
ready for the unexpected. I also know that some of us don't
have the money to put away or develop a contingency plan. But
whether or not you have extra money to put aside you still need
to think about losing that income.
If you lose your job and don't have any money put aside what
are you going to do? The bills have to be paid and food put
on the table. Would you know what agencies can help? Now is
the time to find out, not when it happens.
Just do me a favor and take about 5 minutes to think about it.
It's a scary thought but knowing what to do would mean a lot.
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
Closing credit card dings credit score
By Leslie McFadden • Bankrate.com
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Grandpa Terry's Tip of the Week
Quick Money Tips #2 from Budget Stretcher
This is the 2nd in a series of articles that provide helpful
money tips that you can use to stretch your budget.
1. Sort your cash for your household expenses to ensure all of
these expenses are covered each payday.
2. Prepare in the event you lose your job or have your income
reduced.
3. Reduce the amount of income tax that is being withheld from
your paycheck.
4. Teach your kids the importance of properly managing their
money.
5. Review your mortgage, utility bills, phone bills, satellite,
internet connection, etc. to reduce them where you can.
6. Make sure you know your Consumer Rights to avoid problems
with debt collectors.
7. Avoid payday or car title loans at all costs.
8. Put as much money in your 401k or other retirement account
as possible.
9. Learn how to use Garage Sales and Thrift stores to make your
money stretch a little further.
10. Start a Christmas Club account to avoid the need to use
credit cards.
Learn how to know the cost of a loan before you sign the
papers. Download the Free "Loan Calculator! Plus" by visiting
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Site of the Week
About.com Frugal Living
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Grandpa Terry's Email
Can You Help This Subscriber?
Hi Grandpa Terry,
I heard part of a story on a San Diego morning news show that
gave a website that allows you to "select" manufacturer's
coupons (the type in the Sunday newspaper) online and "send"
them to your free grocery store club card account
electronically. All you have to do is sign up for a free online
account with the coupon website, provide your grocery store club
card number (Von's, Ralphs, Albertson's, etc) and start
selecting coupons. The coupons will be deducted from your total
when you enter your club card number at the checkout stand,
provided you purchased the correct items, of course.
The problem is that I heard it a couple weeks ago (I "think" it
was NBC San Diego morning news) and I missed the part that gave
the name of the coupon website! I tried searching the NBC news
website and general online searches as well, but every site I
find is for "printable" coupons, rather than the site that sends
the internet coupons to your club card electronically.
Do you know of any websites that offer this service?
Thank you so much for Budget Stretcher Premium…. My
subscription paid for itself within minutes (literally) when I
learned and applied the first couple tips for saving money!
Gracie
San Diego
----------
Hi, everyone. I saw the post from a reader recommending not
buying gas at Walmart. Personally, I don't shop at Walmart at
all, because of their lousy business practices. Walmart moves
into towns and virtually causes locally owned stores to go out
of business and also pays their workers next to nothing. Because
the employees make so little anyway, many of them cannot afford
the health insurance. See the link below for the trailer of a
documentary about the Walmart company. I rented the whole dvd
and watched it at home.
I saw the post about how to keep someone from stealing your
purse out of the grocery cart. I never leave me purse in the
cart, because even if you use a clip to keep it in the cart, the
most important part is your wallet and a clip would not prevent
them from taking the wallet. I have a purse that has an
adjustable shoulder strap. I adjust it so that it will fit over
the should opposite the hip where it hangs down. Short of
someone trying to mug me or something, I don't think they could
take my purse.
----------
I save those extra envelopes that seems to come with the junk
mail. When shopping I put in the coupon I am using for the item
and on the outside I put the price less the coupon so I can keep
a running total-I always know what I am spending. When money is
tight you can keep track and not get carried away. When you
reach the check out all of the coupons for the items you
purchased at readily available to hand to the cashier. Often I
hand over the envelope-when the cashier places it on the
register to use when finished ringing my purchases. The coupons
stay put and don't get lost so easily which is a definite
advantage as well.
Lynda
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Subscriber Tip #2
Read the tip about replacing your countertop using a piece of
vinyl that cost $10. Depending on how big a piece of vinyl you
need, you may want to check with a Carpet store. Not Home Depot,
Lowes or other chain home centers. One that is locally owned,
might even be able to talk to the owner. You might be able to
get the size vinyl for free. Most stores don't want to
bother with a piece that small and throw it away. You take a
chance because the pieces aren't available everyday. Often
there will be pieces left when an installer cuts his piece down
to fit the room he is installing. I guess it depends on how bad
you want to save $10.
Dennis/033108
Subscriber Tip Of The Week
* Vote For Dennis'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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Subscriber Tip #3
I have one of those 7-day pill organizers. To keep it clean, I
place it in the utensils rack with all of the lids open. It
comes out clean without any trouble at all.
Ida/033108
Subscriber Tip Of The Week
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This Week's Article Links
Just click the links to view the article
Reducing Debt On One Income
By Wahmonabudget.com
(debt)
10 wackiest tax write-offs
By Jay MacDonald • Bankrate.com
(taxes)
Grocery Shopping List -- How to Get Your Family to Use One
by Colleen Langenfeld
(food)
To read more articles visit:
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Benefits Visit:
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Budget Stretcher Subscriber Benefits Page
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Special Recipe
From the Ebook "Nelson Family Recipe Book"
Ham Pretzel Pleasers
Eunice Nelson
3 oz. cream cheese
1 cup ground ham
¼ cup Worcestershire sauce
Onion juice or grated onion, to taste
¼ cup chopped pecans
Pretzel sticks
½ cup snipped parsley
Combine cream cheese, ground ham, pecans, Worcestershire sauce,
and onion. Form into balls. Roll in crushed parsley and stick
pretzels in each ball to serve. Note: do not put pretzels in
until ready to serve as they will become soggy. Can omit parsley
and pretzels and serve on crackers.
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):
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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.
~~Put a metal spoon into a glass before pouring
in any hot liquid - this will prevent the glass
from cracking.
~~Soak a cloth in carbonated water and wrap around
a rusty bolt and leave for a few minutes. The bolt
should loosen right up.
~~Tip for stamp collectors: Place the envelope in
the freezer for a few hours. You'll then be able to
easily lift the stamps off with a pair of tweezers.
~~Save your change. Empty your wallet, purse, and
pockets on a regular basis into a "piggy bank".
Occasionally roll the change and take to the bank.
It will add up faster than you think.
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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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