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The Budget Stretcher
Week Of: July 24, 2006
AOL Users Please Visit Online
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Grandpa Terry's Quips
Tip #34 - It's important to teach your kids how to manage their money.
It just might prevent them from continuing to manage yours.
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~~~~~~~~~~~~~~~~~~Support Our Sponsors~~~~~~~~~~~~~~
BUDGETING:
Just how effortless can it really become?
Could it become so simple, so routine and so effortless
that you don't even know you're on a budget? Yes, it can...
and so much more. Here's how:
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***What's Inside***
Money Saving Tip
Subscriber's Tip of the Week
Coupon Savings
Grandpa Terry's Update
Credit Card Information
Grandpa Terry's Tip of the Week
Site of the Week
Grandpa Terry's Email
This Week's Articles
Special Recipe - Chocolate Soda
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Subscriber Tip
Every week I write a shopping list on an envelope. I
use the various flyers from the newspaper and mail to
find sale items that I usually use. I write the name
of the store and the dates of the flyer next to the
store name. I then go to my coupon box and search for
matching coupons. I then mark the letter C next to the
items and put the number of coupons into ()parenthesis
so that I can buy multiples of coupon items. This way
I am ready at a moments notice to shop at any of the
local stores and take advantage of sales.
Sue
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.
Please use the form available at:
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Coupon Savings
by Michelle Jones
Don't miss your coupon savings while vacationing in another
city! If your hotel room has a kitchen and you're going to
be buying groceries while you're there anyways then bring
your coupons with you. Also, if you're in town on Sunday be
sure to pick up a local newspaper for even more coupons that
will match the current sales!
Save hundreds of dollars on your groceries each month, with
or without using coupons! Read more of Michelle's FREE
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Grandpa Terry's Update
Welcome to this week's issue of our newsletter. I
hope this finds everyone doing well.
Just a quick reminder, the Online Shopping Secrets special
offer is expiring. Please don't miss this opportunity to
get this amazing ebook at the Special Budget Stretcher
Subscriber price. Here is that link again:
I need some help. I have found a way to share my Calculating
Forms and give instructions in real time. In other words I
can show you how to use the forms, you can make your entries
and I can see exactly what you entered.
I'm considering holding classes on the forms but I really
need to get comfortable using it before I do. If anyone is
interested in learning how to use, not only the Budget
Stretcher Calculating Forms, but also the print forms please
let me know and I will set it up. You can just email me at
I'm not sure where the summer has gone but everybody around
my house is talking about buying school supplies and clothes.
School starts here on August 17th.
I'm going to try to put together one of our newsletters that
has all kinds of tips to help you save money on these items.
If you have any tips or ideas that you would like to share
August 5th.
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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~~~~~~~~~~~~~~~~~~Support Our Sponsors~~~~~~~~~~~~~~
Want a safer, healthier home? Want to save time and money?
Over 10,000 Frugal Tips and Articles
Are you looking for ways to economize? ThriftyFun.com
publishes tips in a variety of categories, from food to
home improvement. We encourage reader's requests and
participation. Come join the discussion at ThriftyFun.com
and view over 10,000 tips and articles to save you money
and time!
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Credit Card Information
Making Sense Out of Your Credit Card Statement
By CreditorWeb.com
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Grandpa Terry's Tip of the Week
Eliminating Your Debts Part 2
Last week I wrote about the importance of eliminating your
debts.
This week I'm going to give a select few of you an easy
yet extremely effective way to do this all important
task.
Here is all you need to qualify:
U. S. Resident
Ability To Pay Your Bills On Time Now
Mortgage In Good Standing
Minimum of $10,000 In Other Debt
Willingness To Refinance Mortgage
(if it is recommended as part of your new plan)
I have already had several subscribers check into this
plan but I know there are a lot more out there that
would benefit. Some have signed up and I'm waiting
for the testimonials. I talked to one of them and
she saved over $200,000 in interest and will be paying
here debts off 20 years earlier than normal without
paying anymore toward her debt than she was before.
First, I would like for you to think about why you
subscribed to Budget Stretcher and probably spend
a lot of time looking for that one answer that will
show you how to pay off those debts once and for all.
If you are paying your bills on time now, I have the
answer for you but you have to be willing to take
that first step. I know it's hard but remember you
can't expect things to get better unless you do
something.
The Equity Smart Program I have been promoting the
last few weeks is not like any other program you
have seen in the past. All you have to do is make
a phone call and you can get the ball rolling.
Here are the answers to some of the questions I've
been asked lately:
No, it doesn't hurt your credit score because all
of your debts will be paid on time.
You will be asked to complete a Data Sheet which is
just like a detailed application. You will receive
a free Debt Analysis showing you how the program
can help you. If you would like to download a
sample plan just click on the link below:
Sample Plan
Copy of Data Sheet
There is no out of pocket expense because the fees
are taken out of the money you save on the plan that
is developed for you. Also, you will not pay anymore
money toward your debts than you are paying now unless
you want to.
In most cases you can save about 40% to 60% of the
interest you would have paid normally and have your
debts paid in about half the time (depending on the
plan you choose. There are 5 of them)
It is not To Good To Be True! The Equity Smart
Program uses some high tech software to analyze your
debts to find the shortest route to paying it off
as early as possible and maximize the money you
save in interest.
This is just some of the highlights of the Equity
Smart Program. There are so many other benefits
that you really need to learn about.
Now, about that phone call I mentioned. When you call
one the numbers below you are going to talk to a
great guy that knows his stuff and is really interested
in explaining the program and answering your questions.
These guys are easy to talk to. They will not pressure
you in any way. Tell them Grandpa Terry from Budget
Stretcher sent you!
Here are their phone numbers:
Randy Grabler - 608-845-9898
Brad Robertson - 606-571-4462
Do you want to know why I'm pushing this program so
hard? It's because for the first time since I started
Budget Stretcher I can offer you something that can
really make a difference in your life.
It's been frustrating promoting programs that can
help you but there always seems to be a downside.
When you learn about Equity Smart you will see that it
is legitimate and there is no downside. The best
part is you will know exactly what the program is
long before you signup.
Now is the time to take that next step.
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Site of the Week
FrugalHomemaker.com
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Grandpa Terry's Email
Topic of Discussion
(Editor's Note: Tonya is a subscriber)
Hi there!! I am a mother of two wonderful kids (a boy
who just turned 8 on Tuesday and a girl who is 10)!!
My daughter has worked very hard and has helped her
cheerleading squad make it to their CHEERLEADING NATIONALS
in Knoxville TN in August. I run a daycare from my home
and my husband is a rough-in carpenter and as you can
imagine, money is tight. The organization that my daughter
cheers for --of course--does not help with the financial
obligations to get the girls to the competition.
What I need help with is making it possible to get my
daughter to Knoxville TN. If anyone has any ideas on
finding a cheaper way to rent a vehicle due to the fact
that we do not have a vehicle to make there. Our vehicles
are for work and cannot make it that far. We have tried
the fundraising groups but they generally require an initial
deposit of some kind that I cannot afford. Our yard sale
didn't work out to well either.
We have to be in Knoxville for competition by August 4, and
I am finally at my wits end. We do have the hotel room
already reserved (that is going to be $350 for 2 nights!!)
and we need help finding a way to pull extra money in!!
PLEASE HELP!!
Sincerely
Tonya K
----------
Terry,
I have a few more tips for avoiding pain using the computer.
1. Most mice today have a scroll wheel. Use it to reduce the
amount of hand movement.
2. Buy a four button mouse. Select button functions for the
extra buttons that are for operations you use most often. I
use the extra left button for "back" and the extra right
button for "paste".
3. Use keyboard shortcuts for often used operations. I use
"control+C" for copy and "control+X" for cut since I can do
this with only my left hand.
4. Set the mouse Snap To setting to automatically move the
pointer to the default button in a dialog box. This allows
you to reduce the amount of mouse movement required.
I’m on the computer a great deal both at work and at home.
These tricks plus those Carol sent in last week have
removed the pain from my hands and neck.
Rick Scott
----------
Dear Grandpa Terry
I read No Name Please about Chase raising her interest and
thought I had written it myself. I had a Bank One card at
very low interest and they sold out to Chase -- in three
months my interest went from 5.9 to 25.9 per month. I was
paying more in interest then they wanted in payments on a
high balance. I too called and they said no, refused to
lower the interest, and then hung up. I transferred my
balance to a 0 per cent for 6 months and then 6.9 per cent
after that, and am saving hundreds per month. I've changed
my Chase account to a Capitol One account.
I too am going to close my Chase Account. I wish everyone who
had a Chase account would do the same, for you never know when
you're going to be charged 25% interest.
Marie
----------
I'm wondering if someone can help me. I purchased a double
antique bed with side rails, but my full size mattress and
box spring are a couple of inches too big to fit it. The side
rails have hooks on each end where they attach to the headboard
and footboard, and there is a lip inside each rail where the
box spring is supposed to rest. What can be done in this
situation? Thank you for a great newsletter.
Renee
Shreveport, LA
My Response:
Hi Renee,
I'll put this in my newsletter. There is one thing that I
have done when I had this problem. I bought 2 2by2s from the
lumber yard and cut them to the length of the mattress and
nailed them underneath, inset enough to fit inside the rails.
It would probably be best to use drywall screws instead of nails.
I hope this helps,
Terry
----------
I couldn't resist commenting..........:) I would love to know
if your responses increase due to having the address included
in the newsletter.
Sundays are so pleasant here, fresh coffee at my desk, and your
newsletter full of new ideas & articles to help me with my
finances!
Thanks much for all you do!
Sue
My Response:
Hi Sue,
It's nice to know you enjoy your Sundays a little more because of
the newsletter.
Thank you for letting me know.
I have received a few extra emails today because of the email
address. I'll let you know how things go!
Thanks again,
Terry
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Subscriber Tip
Cheap Drinks on the road
Since the McDonald's near my house knows me from getting a
free cooler of ice twice a week for a community event, they
don't ask if I get it another time. I keep a medium sized
cooler of ice in my car. For drinks, I buy 24 bottles of
Spring Water for $2.99 on sale. About 6 bottles of water
are in my cooler all the time. I keep a cup in the car to
fill with ice and water or just cold water. Saves me a lot
of money!
Betty G.
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Subscriber Tip
In Canada, we have websites called Freecycle. Each area
(I know only of Ontario) has a freecycle site. The idea
was the save the garbage sites from accumulating good
usable articles. The articles are free. You need only
pick up the article. I obtained an almost new gas stove
through this site and see many things for giveaway on the
sites. Do a search for freecycle and you will find the
main site and can go to your area from there.
Catherine
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This Week's Article Links
Just click the links to view the articles
Divorce and your finances
By Bankrate.com
How long will that debt linger?
The Debt Adviser by Steve Bucci • Bankrate.com
Saving for Retirement: Compound and Grow Your Employer
Matching Retirement Plan
By James Lange
To read more articles visit:
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Special Recipe
(Editor's Note: You can now get two ebooks "Plan Ahead
Leftovers" & "Quick Dinners" for only $6.95
(Regular $13.90) from Menus on a Dime. I highly recommend
these ebooks.) Please visit
Chocolate Soda
2 Tbsp. chocolate syrup
1/2 cup club soda
1-2 large scoops vanilla ice cream
Mix syrup and club soda in a tall glass. Add Ice
cream. Pour in more soda. Stir or blend and serve at once.
Serves 1.
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.
WHILE SHOPPING
~~Always check the expiration date on dairy products.
~~Avoid anything disposable.
~~Convenience foods are more expensive, you are trading
money for time. Slice, season, mix, and cook it yourself.
~~Always check the day old bread basket, and the reduced
merchandise cart.
~~Always ask for a rain check if an advertised special is
out of stock. While you are waiting for the product to
come back in, look for more coupons for that product.
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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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