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Newsletter to Your Friends (Use this link only if you receive this newsletter by email) Week of May 10, 2010This 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.Click Here to view this newsletter online. Navigate This ColumnGrandpa Terry's Update Welcome to The Budget Stretcher! This week my grandson ask me to help him order a YoYo. He had already picked out one that he liked and had the money. I really couldn't believe the price. It was $29.95 plus he was ordering replacement bearing sets that totaled $24.75. The total was $54.70 plus $11.78 in shipping. He was all set to pay $66.48 for everything. I asked him if he had checked to see if there were any coupon codes from the company (Yomega.com) and he said he hadn't. I told him to do a Google search using the term Yomega Coupon Codes. The search revealed that he could get 25% off orders over $50. Here is how the invoice looked: YoYo - $29.95 Bearings - $24.75 Shipping - $11.78 Coupon Code Discount - $13.68 Total - $52.80 It is always worth the few minutes it takes to search for a coupon code for anything you buy online. There are literally thousands of them available. If you would like to learn more about using Coupons here is a guide that will help. It has it's own Coupon Code right on the below page: Coupon Codes - Your Secret Weapon for Saving Money Online! My Son-in-law is an over the road trucker and had been telling me some of the Gas prices across the country. He has seen prices as high as $3.40 per gallon. I thought it would be interesting to see what the prices are from our subscribers. If you will submit the average price of gas (regular unleaded) in your area I will publish them in the newsletter. Just list the City, State and Gas Price in an email to tre2000@midwest.net 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 tre2000@midwest.net If you know someone that may be interested in subscribing to our newsletter just copy and paste the below link into an email to them and have them subscribe: http://www.homemoneyhelp.com/confirmsubs.html Have a great week, Grandpa Terry Sponsor AdvertisementAn amazing collection of 1, 300 organizing tips, ideas and techniques to help you organize your home, your office and your life! Clutter-control tips for every room in the house. Time management systems to help you gain extra hours in your day. Super ways to organize the paper monsters in your life. Ideas and systems to keep you motivated, and so much more! Click Here to check out Get Organized Now Grandpa Terry's Tip of the WeekBut did you know that they have one of the most informative web sites on the internet? For example you can find out how long information remains on your credit report. Below is the answer to that question: It depends on the type of negative information. Here's the basic breakdown of how long different types of negative information will remain on your credit report:
For all of these negative items, the older they are the less impact they are going to have on your FICO® score. For example, a collection that is 5 years old will hurt much less than a collection that is 5 months old. http://www.myfico.com/CreditEducation/Questions/Negative-Items-On-Credit-Report.aspx or you could get the answer to the below question: I'm trying to lower my credit card APRs. How should I go about doing that? In fact you could get answers to dozens of questions by visiting their: Credit Q&A Answers to help make sense of your credit. The bottom line is that if you want to know absolutely anything about your credit report or credit score MyFico.com is the only web site you need. Sponsor AdvertisementPaying highest-interest debt first is the SLOWEST way out ... You can laugh at money worries - if you follow our simple plan. Discover savvy consumer money secrets your friends don't know and banks won't tell you. Limited time only. ACT NOW: ///////////////////////////////////////// Grandpa Terry's EmailHI TerryNow an update on my progress with the budgeting programs. I've been working my budget and taking baby steps. I told you about one of some of my savings using coupons. Well it turns out that I've saved about 37.00 using coupons and price matching for the month of April to which I put on my highest balance credit card. The Interest on that card is killing me. There were several super sales that I used the coupons for and stocked up on about 12 weeks worth of product. It seems that the sales in the stores run in about a 12 week cycle. So my budget will have extra for the next three months so that I will sock into the credit cards as well. I've also been able to contact several of my credit cards and asked for a reprieve of six months, lower payments and a lower interest rate. By doing this I have stopped some of the collectors calling. The other ones I can't do anything with because I am not the primary card holder even though the card has my name on it. Had to chuckle when I told the credit collectors what I had done. They didn't like that cause they don't get paid. Input for couponing in Canada. Western Provinces will do price matching at the grocery stores. Ontario for price matching use WalMart, Zellers and Canadian Tire. Grocery stores will not take printer coupons but Wal-Mart, Zellers and Canadian Tire will. However if you do a price match at Canadian Tire you can not use a coupon with the special but you will receive 10% Canadian Tire money back. So Do the math and shop where you will make the best ROI. You can have coupons mailed to you through www.save.ca. Hope all is well with you and God Bless Cassandra Featured ArticleBudget Ideas for a Whole New Look by Alyssa Davis Many people make the mistake of thinking the more they spend on living room decorating, the better their decorating project will turn out, but this could not be further from the truth. Some of the most inexpensive decorating ideas require the least amount of money, and the amount of money spent is not an indication of how different or how stylish the room will end up. It is not necessary to go far into debt to give a living room a new and improved look. When decorating a living room, consider the following budget ideas to achieve a completely new and stylish look. You will be amazed by how little you will have to spend to completely transform the look of your living room. With a few easy changes and budget additions you can have a living room with a whole new look, and best of all you can do it all without hiring a professional. Let Your Imagination Be Your Guide If you are convinced you have no idea what you are doing when decorating or redecorating the living room, let your imagination and sense of creativity be your guide. It might take a little arranging and rearranging to end up with the look you want, but anyone can decorate a living room on a budget and make it look like a million bucks. Think outside of the box, and do not be afraid to try something new. If you like a particular look, give it a try! You are the best person for the job when decorating your living room, and you will know right away if a particular decorating scheme works or not. Budget Rearranging Rearranging the living room may seem like an obvious way to give it a whole new look, but the way in which you rearrange the room can make a huge difference. Simply exchanging the position of a loveseat and a chair does not constitute an entirely new look. If your living room is large, consider moving the furniture out from the walls and toward the center of the room to create an ideal area for conversing. This will leave a walkway around the perimeter of the room instead of in the center, and it will make the living room feel cozier and more inviting. On the other hand, if the living room is small, do not line the walls and block openings into other rooms with home furnishings. Think about the furnishings you might be able to do without, and downsize a little to make the living room look more adequate and open. Less is always more when doing any type of decorating, and a living room is no exception. Save your back as well as the furniture and flooring by creating a paper diagram. The pieces can be moved around on paper before moving living room furnishings. Add Color, Texture, and Patterns Window treatments, pillows, and throws are all great decorating accessories to add pattern, texture, and additional color to a living room, and they are available in all price ranges and styles to meet every decorating budget. Take advantage of sales and discount coupons that will help you obtain the home accents you need while sticking to a decorating budget. If you like to sew, consider trying your hand at making window treatments and pillows. Simple scarf valances really are very easy to make as are throw pillows. You might even consider making a soft and comfy throws out of colorful fleece. Decorate your living room with a wide range of textures to provide interest and appeal, and instead of trying to match colors, choose accent colors to highlight living room furnishings. The addition of throw pillows, decorative throws, and attractive window treatments really can give the living room a whole new look. Floral Arrangements All living room styles can benefit from beautiful floral arrangements, and if you want budget arrangements consider growing your own fresh flowers and greenery. Flowers do not have to come from the florist to be worthy of displaying in the home, and what better way to add fragrance, texture, and three-dimensional design to the room than with floral arrangements? Select a large vase that matches the style of the room, and choose flowers that compliment the colors. A bouquet of beautiful flowers in an accent color will bring out those colors more than ever, and a well chosen budget bouquet will look anything but budget in style. Nature's decor is always classy, stylish, and rich in appearance. Shop the Clearance Section for Budget Wall Décor Those wanting to adhere to a decorating budget but prefer fine wall decor should browse the clearance section before deciding they cannot afford high-quality wrought iron wall hangings, candle wall sconces, wall wine racks, and other desirable works of wall art. Many times the prices have been deeply discounted, and it is worth shopping for bargains. Budget clearance priced wall decor is often worth considerably more, and with well chosen pieces you can give your living room a whole new look for far less than you ever thought possible. Learn more about decorating with fleur de lis kitchen decor and abstract wall decorations from our exclusive designer and staff writer, Alyssa Davis, of Metal-Wall-Art.com. |
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