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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: April 14, 2008
AOL Users Please Visit Online
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Upgrade Your Subscription To Premium Get 7 Days Free
Budget Stretcher Premium just keeps getting better. You know
those Special Offers I've been running? As a Premium Member
you get them free.
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Grandpa Terry's Free Ebook
500 Bread Recipes
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"Will Your Kids Have Money Problems When They Grow Up?"
In 60 seconds I can forecast if your kids will be financially
competent (or not) just by analyzing your responses to 12 simple
yes/no questions.
Interestingly, the likelihood that your kids will be
financially capable has nothing to do with your current income
level or financial status.
It costs nothing (except 60 seconds) to take the Kids Financial
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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 - Chicken Cacciatore
Watch for next week's newsletter featuring:
Foreclosure crisis hits rental housing
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Subscriber Tip #1
If your using a breadmaker then you are already saving money.
Take the extra step and make rolls instead of loaves. One batch
of dough makes about 12 rolls, place them on a cookie sheet,
cover and place in freezer. When completely frozen transfer into
ziploc bags and freeze. Take out as a need basis. I take a
couple out, defrost, let rise (about 2 hours) and bake. We have
fresh bread every day and nothing goes to waste.
Jennifer/041408
Subscriber Tip Of The Week (Contest Ends 4/30/08)
Vote For Jennifer'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
Let's show Michelle that we appreciate all of those Coupon Tips
she supplied us with for over two years. Check out her new
ebook and you will want to order a copy for yourself.
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Grandpa Terry's Update
Welcome to The Budget Stretcher!
Due to lack of participation the Subscriber Tip Contest will be
discontinued after April. Since I started it in January I
haven't had over 250 votes for an entire month. It takes quite
a bit of time to run this and with no more participation than
that I can't justify it. Many thanks for those that
participated.
I will still be giving away the gifts for those tips that are
used on a weekly basis.
If you had a chance to view the Audio Presentation of my article
"7 Ways To Beat The Debt Collector" last week, I would like to
hear what you thought about it.
There was an error in last week's newsletter in the Special
service does cost money, however, you do get a trial period.
We are going to start having fun at Budget Stretcher Premium.
Starting this week I am going to have a new section called "Sound
Off". Any Premium member can email me with their opinion on just
about any topic and I will include it in the Premium Newsletter.
The fun part comes in when other Premium members respond with
differing opinions. Why not join us. You can get a 7 day free
trial right now:
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 Dirty Dozen Credit Card Traps
By Care One Credit
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Grandpa Terry's Tip of the Week
Quick Money Tips #4 from Budget Stretcher
This is the 4th in a series of articles that provide helpful
money tips that you can use to stretch your budget.
1. Find out when using coupons can save you money.
2. Use the dollar bill or change savings plan to increase your
savings.
3. Guard your credit card numbers and other personal
information against theft.
4. Consider consolidating your debts only after you understand
the costs involved.
5. Understand that money problems can cause family problems.
Don't let it happen.
6. Consider the "Cook for a Day, Eat for a Month" plan.
7. Read and Understand everything you sign.
8. Check with your credit card, insurance or cell phone
companies to see if they offer free or low cost Road Side
Assistance.
9. Make sure you really need the extended warranties on the
items you buy before you pay the big bucks.
10. Consider paying a few extra dollars on your mortgage or
other debts each month.
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
eHow.com
How To Do Just About Everything
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Grandpa Terry's Email
Hello from Wisconsin!
Just wanted to say hello, and thanks for continued information,
and support to everyone in these trying times. I've been with
you (although not a Premium Subscriber yet), for a long time,
and value your every word. You have helped me through some
really tough situations, when I didn't know what to do or where
to start. I'm still "getting there", but much better off than I
was when I was getting divorced.
I'm about to move out of the roommate situation(living with a
friend who bought a very expensive condo) I'm in and get my own
place. I'm nervous, just because it's $100 more a month than
what I'm paying now, but, I can afford it, and it's worth every
penny for my sanity after all I've been through.
One question I have for you is, can we trust all the different
links and companies you advertise on your page and in your
emails? Some things look too good to be true, and I just don't
trust many companies etc. now a days. I just wonder if you
research them fully, and make sure they aren't scamming....so
many sites do.
My other question is, did you know that your credit scores can
be different completely based on how they are pulled? For
example, if you go to the bank, they pay for a service with
TransUnion/Experian/Equifax to obtain "Financial Scores". When
be completely different than what the financials have.
I thought this was insane, since everything about who you are
as a human these days revolves around this score. Why would we
not be informed of this? How are we supposed to improve our
scores, when they are all different?
Thanks again for your wisdom and great info!!
Sincerely,
Tori
My Response:
Hi Tori,
Thanks for the email and I appreciate those kind words. I'm
sure you will be alright on your own. You've came this far and
will undoubtedly use your money skills in the future to make it.
Now, for the links on my site being trustworthy. Basically,
what I can tell you is that they are not outright scams.
However, there is one thing I've learned in the 8 years I've
operated Budget Stretcher. There are as many opinions of an
offer as there are customers that check them out or order. Each
person has a different idea.
Basically, I try to caution anyone that checks out links on my
site or any other to investigate them thoroughly and make sure
they have a money back guarantee in case it's not what they
want. Believe me I've had customers both praise an offer and
others complain hard because I even bothered them with it.
I wasn't aware that you received a credit score with your free
annual credit report. The standard FICO score is what is
normally accepted by the three reporting agencies. These scores
can vary greatly from one agency to another. However, they are
toying with the idea of a standardized score that will be the
same no matter which agency you contact.
Here is a download ebook put out by FICO that is the bible for
all information relating to credit scores:
If you follow the advice in the above ebook you will go along
way toward increasing your credit score.
I hope this helps,
Terry
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Subscriber Tip #2
Instead of paying $60 to $100 a month for acrylic nails, go to
Walgreens and buy the new press on nails that you can glue on
and they are already painted and decorated. They go on in less
than 5 minutes, cost about $10 for a set of 24 (2 applications),
and you can change them as often as you want or leave them on
the whole 2 weeks.
Christina/041408
Subscriber Tip Of The Week (Contest Ends 4/30/08)
* Vote For Christina'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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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?
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At Home Parent
Work-at-Home Team
Tidbits from the Pantry
Abbys Good Stuff for Free
Diva Tribe
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Subscriber Tip #3
Terry,
While at the grocery store today, I found something incredibly
interesting and helpful! I shop at our local Kroger store and
they have the shoppers card, like many stores now have. Now,
they are allowing you to add electronic coupons to your card
that are automatically deducted at the register (even double
coupons!). There is a website for this, and it includes many
stores:
It is run by AOL, but you can use your regular email address to
sign up, you will need your shoppers card number and store name
for this service. It is completely free, and cuts back
significantly on clipping coupons. The stores it currently
serves are: Kroger, Pay Less Super Markets, Ralphs, Hilander,
Baker's, City Market, Owen's, QFC, Smith's, Gerbes, Dillons,
King Soopers, Fry's Marketplace, Fry's Supermarket and Jac C
Food Stores. The website says they are adding more stores on a
regular basis.
Hope this helps someone save some dough!
Thanks,
Christine/041408
Subscriber Tip Of The Week (Contest Ends 4/30/08)
Vote For Christine'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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Support Our Sponsors
A VA Loan can keep High Interest Rates Away
In today's housing market there are a record number of
foreclosures throughout every state. Don't be a part of the
growing number of Americans staring foreclosure in the face and
obtain a loan insured by the federal government.
The VA offers many great benefits to those that have served our
country and are looking to purchase their first home. A
for veterans who are first time home purchasers with little
credit to poor credit to obtain a competitive interest rate. If
you currently have a VA Loan you may also look into a
that loan to help save you money with your mortgage to receive
the best rate.
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This Week's Article Links
Just click the links to view the article
Spotlight: Clark Howard
By Kamil Skawinski • Bankrate.com
(debt)
Mother's Day Cards Stitched with Love
by Rachel Paxton
(home)
"Trash to Treasures: 10 Tips for a Successful Garage Sale"
By Deborah Taylor-Hough
(home)
To read more articles visit:
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Take Advantage of your Budget Stretcher Subscriber
Benefits Visit:
Visit Our Forum
Budget Stretcher Subscriber Benefits Page
Join This Groups
A_Simple_Life
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Support Our Sponsors
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Special Recipe
Chicken Cacciatore
2-3 lbs. chicken pieces
2 Tbsp. olive oil
2 cans (14 oz.) stewed tomatoes
2 cups mushrooms, sliced
1 cup zucchini, sliced
1 tsp. fresh basil, crushed or 1/4 tsp dried basil
salt and pepper, to taste
4 cups pasta, cooked
Brown chicken in oil, 10 minutes, turning occasionally; drain.
Add the rest of the ingredients except pasta. Cover and simmer
25 minutes. Serve over pasta
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.
~~Always have trouble with that one roll of tape and finding
the end of it? Stick a button on the end, then when you use it,
just move the button.
~~Rub the pure cornstarch type baby powder into your pet's coat
prior to brushing/combing, if there are tangles or mats, it will
make them come out much more easily.
~~Tea makes a nice inexpensive, yet permanent stain for
unstained furniture.
~~Sprinkle cinnamon on aluminum foil and place it in a hot
oven, leaving the door open. As the cinnamon heats, the cinnamon
will permeate the house.
~~Spray the inside of a mayonnaise jar white. Store it in the
refrigerator as a hiding place for money or valuables.
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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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