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To: tre2000@midwest.net
Subject: [PHISH] The Budget Stretcher - No-Cost Downloads In This Issue
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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: April 2, 2007
AOL Users Please Visit Online
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Grandpa Terry's Quips
Tip #39 - You really should know your credit score. Just
think of it as your financial batting average.
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***What's Inside***
Grandpa Terry's Quips
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 - Bread Pudding
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Subscriber Tip
Salt Uses
1. Soak stained hankies in salt water before washing.
2. Sprinkle salt on your shelves to keep ants away.
3. Soak fish in salt water before descaling; the scales
will come off easier.
4. Put a few grains of rice in your salt shaker for
easier pouring.
5. Add salt to green salads to prevent wilting.
Compliments of: MommieCare
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.
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Coupon Savings
by Michelle Jones
We all go through things in life from time to time and need a
fresh start. If you've got a file of grocery coupons that hasn't
been used in months, or years, rest assured that most of the
coupons have expired. Don't just pass hem by week after
week thinking "I haven't used those things in months what's
the point now?" The point is it's never too late to grab a
handful of coupons and save some money on your next trip to
the grocery store. If you don't have time to sort through them
and toss out the ones that are expired, just toss them all out
and start over! More about this next week... right now you can
just start preparing yourself mentally for the task. ;o)
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
Welcome to The Budget Stretcher!
The computer problem is fixed and I'm up and running again.
Believe it or not I had to buy another computer. The Mother
Board was shot. The guy that tried to fix my computer was able
to save most of my files. It will probably only take two weeks
to catch up on the week it was down. Oh well, nothing else to
do!
Here are a few quick tips I received from Tina that you may
find useful:
Terry, I found a really cool site that gives away a different
software program everyday. The only catch is that you only have
24 hours to download and install it. I don't really consider
that a catch though.
Make sure you bookmark it.
Have a great day! Garrie
I received the below email from a subscriber that offers a free
software download everyday. Here is her email:
Quick tips
Instant Bed Tray
If you have a sick family member and need more space to hold
medicines and tissues, etc., place an adjustable ironing board
next to the bed. Cover with a plastic sheet and put everything
the patient needs on it.
Tasty Toast Topping
Liven up that breakfast toast with this delicious spread. Mix
1/2 pound margarine, 3 tablespoons cinnamon and 1/2 pound
confectioner's sugar in an electric mixer. Store in the
refrigerator in a container with a tight-fitting lid.
Too Much Fat In Cooked Soup?
Put several ice cubes into the soup and the fat will stick to
them. Then take cubes out and your soup will be healthier and
have fewer calories.
Have Leftover Hot Dog Buns?
After a barbecue, you may discover that you have extra hot dog
buns; don't throw them out. Instead use them for garlic bread.
Just pull the buns apart, toast and then spread with a
garlic-butter mixture
When You Are Staying In a Motel or Hotel
If there are small bars of soap made available, take several
and keep them in the glove compartment of your car or in your
purse. They'll come in handy when you are using a gas station
restroom or other facility where there may not be soap when you
need it!
Have Extra Eyeglass Cases?
If you've accumulated a number of eyeglass cases that close and
they are cluttering up a drawer, you can use them in your purse
to hold any loose items - pens, combs, nail files or paper
clips.
Melt Chocolate Without A Mess
To avoid cleaning up that gooey mess, place chocolate pieces
into a sturdy plastic food bag. Immerse it in a pot of heated
water. When melted, cut off a corner of the bag and squeeze the
chocolate out. Toss the bag.
Need More Storage Space in the Garage?
Utilize the air space. Hang a hammock up there to store light
items, such as holiday decorations or seasonal items. This will
work in your children's rooms, too, for teddy bears or other
items.
Gift Wrap Bows Crinkled?
If your beautiful bows have gotten scrunched up and look bad,
don't throw them out. Use a curling iron to straighten them out.
They will look new and pretty again.
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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and view over 10,000 tips and articles to save you money
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Credit Card Information
Ask for a Lower Credit Card Interest Rate
By BSC Alliance.com
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Grandpa Terry's Tip of the Week
Protect Yourself When Shopping Online
By Terry Rigg
There is only one person that is ultimately responsible for
your protection from fraud when shopping online. That person
is YOU!
When I decided to write this article I was prepared to give
you a few tips that I found in my research that would help
you when you decided to buy something online. That research
produced some amazing results.
Only about 2% or 3% of online orders result in fraud, however,
almost all of these could have been prevented by knowing and
understanding how to safely shop online. This information is
readily available.
As an example, I have a credit card issued by Chase Bank. I went
to their web site and typed "Consumer Protection" in their
search box. It came back with 14 results on every aspect of
protecting their customers from credit card fraud. Most major
credit card banks offer similar advice to their customers. It
would be a good idea to check your credit card company's web
site.
With 71 million members worldwide, PayPal, an Ebay Company,
is probably the largest company to offer online payments. They
also offer one of the best tools for protecting yourself while
shopping online. I would recommend that anyone that shops
online, whether using PayPal or not, download their "E-commerce
Safety Guide" by visiting the below link:
You can learn even more by visiting their "Security Center" at
the below link:
We don't want to forget the Federal Trade Commission that is charged with
protecting consumers from a variety of consumer problems. I've put together
a few links from their website that I believe will help you to be a better informed
online consumer:
There are a couple of common tips that will make shopping online a lot safer
that I would like to list:
~~Never provide your credit card or checking account information
when making a purchase online unless the address to that site
starts with "https". This shows that the site is on a secure
server and provides much better protection of your private
information.
~~Take every precaution to verify that the web site offering the
product is legitimate. This may be as simple as using their
contact information to send them an email and asking questions
about the product. If they don't have contact information
at their site don't buy from them.
"When you receive unsolicited email advertisements, never use
the special link they provide in the email. Email links are not
always safe and these days there's no way for you to know for
sure if you are at the retailers site or one that was spoofed in
order to get your credit card information. Instead, type in the
url address of the site you want, look for the https, and shop
online from there."
Buying products has changed dramatically in the last few years.
If you buy online you don't have the luxury of looking a
salesman in the eye when making your purchase. It is to your
benefit to become as informed as possible to protect yourself
from fraud.
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Site of the Week
Frugal Village
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Grandpa Terry's Email
Hey Terry...
You're the best source for asking about credit report problems,
so, here I go again...with not one, but two questions! Years
ago, I went to a doctor's office, and then a subsequent
overnight stay in the hospital. There was a problem with the
overnight test, and it had to be done again. I was told the
first one would be removed from my bill. It wasn't. So, I have
two identical charges for every thing concerning that episode.
Two office visits, two hospital nights, etc etc. I have been
going round and round with these people for at least five years.
I've been in their office to talk to their billing dept. I've
replied to collection notices with "this bill is in dispute"
letters. The office claims to have made no mistake, and it stays
currently WAY past due on my credit report. I've talked til I'm
blue in the face, and frankly, I'm tired of dealing with it. Any
ideas?
The second one...I went to another doctor's office, and saw a
male Physician's Assistant. This was the only time I ever went
to this office, and this was the only person I ever saw, yet, on
the bill, it has charges for seeing a female doctor that I have
never met in my life. Letters written concerning this, have gone
unacknowledged, and now it's a bad mark on my credit report. Any
ideas on this one?
Thanks for your help...I appreciate ya!
Suzy
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Subscriber Tip
Most everyone knows about keeping your car tires inflated
properly to maintain proper wear and tear...longer life
in other words. Often times though, people, (women
especially) don't like to put air in their tires as
subsconscientiously they're afraid of putting too much in
and the tire exploding. The trick here is to first know
how many pounds of air pressure your tire takes. (This
will show on your tires). Then go to a service station
that has an air hose with a tire gage on it. Be sure to
hold the gage handle down when filling tires. It will give
you an exact reading so you will know exactly how many
pounds of air you have in your tires. Cool...huh?
Also, don't forget to fill your tank early in the morning,
(especially in the summer months) as gas expands. You
will get more gas in your tank this way.
Mary
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Subscriber Tip
I am a person of many allergies and one of my cat's
is too and can't use those brand name treatments.
What I do is I put 1/2 cup of vinegar into a bucket
of hot water and I damp mop the floor once a day. The
vinegar is what kills the fleas, your animal lays
and sits on the floor and the fleas proverbially fall
dead off of your animal. I damp mop everyday for one
week straight and then once a week, once every two
weeks and then just once a month, every month and
fleas be gone forever.
As Always,
Jeanne S.
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This Week's Article Links
Just click the links to view the article
Don't wipe out savings to wipe out debt
The Debt Adviser by Steve Bucci Bankrate.com
Sound Advice For First Time Credit Card Users
By Credit Web
Ebay vs Garage Sales
By Joyce Moseley Pierce
To read more articles visit:
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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
Bread Pudding
6 cups bread (about 8 slices, cubed)
2/3 cup sugar
2 eggs
2 cups milk
1 tsp. vanilla
1 tsp. nutmeg
2 Tbsp. lemon juice
1/2 tsp. salt
1 cup raisins (optional)
Mix all the ingredients in a bowl and pour into a greased 8X8
inch pan. Bake at 350 degrees for 45 minutes and top with
lemon glaze (see below).
Lemon Glaze
1/3 cup margarine or butter add 1/2 tsp. grated lemon peel
to the margarine
2 cups powdered sugar
1 1/2 tsp. lemon juice
2 to 4 Tbsp. hot water
Heat margarine in a saucepan until melted. Stir in powdered
sugar, lemon juice and 1 tablespoon water. Mix well. Add
the rest of the water, 1 tablespoon at a time, until the
frosting is smooth. Glazes one bundt cake or one 10-inch
angel food cake.
This recipe compliments of The Best Cookbook Anywhere
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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.
Visit The Frugal Shopper's "Do It Yourself/Make Your Own"
page at:
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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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