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Newsletter to Your Friends (Use this link only if you receive this newsletter by email) Week of August 10, 2009This 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! Last week one of my articles "How to Stock Your Pantry For Hard Times" had a bad link and couldn't be accessed. I've corrected the problem and provided the correct link. Sorry about That! Budget Stretcher? I would like to ask your help with something. I'm trying to increase the popularity of the Budget Stretcher web site. One way to do that is through Alexa.com which rates all sites on the internet. I am currently ranked at 520,797 out of several million sites ranked by Alexa.com. One way to increase the popularity is to have others write reviews of Budget Stretcher that are then placed on Amazon.com. If you have some time I would appreciate it if you could submit your comments. Please submit exactly what you think about Budget Stretcher even if it's negative. This will not only increase my site's popularity but I may be able to find out some things that I could do better. Just click on the below link and click on the "Reviews" Tab to submit your comments: http://www.alexa.com/data/details/?url=homemoneyhelp.com I was going over some old newsletters and found a couple of links that I think you might enjoy: http://www.homemoneyhelp.com/peoplesurvive.html Walmart Free Samples http://walmart.triaddigital.com/Free-Samples.aspx 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 Advertisement\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ THE FASTER YOU CAN PAY THEM OFF! Paying 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: How To Own Your Paycheck Again! \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ Grandpa Terry's Tip of the WeekI was playing around with one of my calculating forms last week, just entering different numbers for a comparison between a credit card and a low interest loan. I know that you can save money by paying your credit cards off with a low interest loan but I didn't realize how much. Here are some staggering numbers. If you owe $10,000 on a credit card at 18.99% interest and only pay the minimum payment of $200 each month you will still owe $9451.92 at the end of one year. Using those same figures with a low interest installment loan at 6% interest you would only owe $8149.44 at the end of that year. That's over $1300 in savings. Let's look at that credit card if we paid just $300 a month. You would be paying another $1200 in a year but your balance of $8141.22 at the end of that year would be $1310.07 less. That's a net savings of $110.07 over the extra that you paid. What would happen if you had that same credit card balance of $10,000 but was able to get a card with only a 14% interest rate. Paying $300 per month you would only owe $7652.02 at the end of a year. That's a net savings of $489.20. Naturally, all of the above assumes that you don't use your credit cards. The point of this tip is to get you to thinking that there are ways that you can save some big money if you will take the time to make some adjustments in your finances. Good Luck. If you like playing with numbers to find out more about your finances please visit: http://www.homemoneyhelp.com/calcforms/screenshots.html Sponsor AdvertisementAre 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? Click Here to check out My Budget Planner Today Grandpa Terry's EmailI just received a statement from a AAA card I have showing I owe 1.50 I paid off last months bill in full. You can be sure I will be calling them on Monday. I wonder if this is the monthly charges for keeping a card open which I think will start happening down the road. Also I got an advertisement from PayPal to open an account but they are charging $4.95 for the second card which use to be free. More added charges for people trying to get out of debt. I have a very high credit score but they are starting to get me mad.Joan Hi GT, Like the idea of using the calculator on the cell phone when shopping for groceries. This is not a money saving idea, but I also use mine to wake me up in the morning. I read once that a person should always keep a fully charged cell phone at their bedside, and it seemed like a good idea. And since the light on the alarm clock was too bright, I got rid of it and now set my phone alarm instead. I lay the phone face down, as when it has charged it lights up—face up if my granddaughter is here and we need a night light. In a pinch, I can press the side button and use it as an emergency flashlight. My phone may not be fancy, but it’s pretty useful! Hope you had a great weekend. Brenda Terry, I also just bought tubs of food from Costco for food storage. These are the pickle barrel size. One of them has 5 different freeze-dried fruits and came from Shelf Reliance. The other one has 125 meals - mostly vegetarian soups that you could add meat to if you wanted - packaged in 5-serving bags. I do purchase canned goods by the case from my wholesale club (Sams or Costco) but I like the portability of these two tubs. They have a long shelf life, and I can use them in routine emergency meals (which means I'm running out of time!) or have them for a real emergency. I think the cost on each of these tubs was around $100, but is a pretty good deal if you look at the number of servings iin each. 281-890-6968 home Skype ID: piercejam Skype phone: 832-632-9363 Find me on Facebook: Joyce Moseley Pierce Follow me on Twitter: piercejam Prepare for tomorrow by changing today. www.prepareandsucceed.com www.preparedineveryway.com Featured ArticleBy Jill Cooper and Tawra Kellam
It´s that wonderful time of year that lightens your heart and fills your soul with peace & tranquility. No, I´m not talking about Christmas! I´m talking about school starting!! Yes! Yes! Yes! It´s a bitter sweet time for most moms. Bitter because you´re back to hectic mornings, finding everyone´s books and papers and trying to get them out of the door on time... because you now have 180 lunches to make over the next 9 months if you have 1 child and 720 if you have 4 -- But hey, who´s counting? It is sweet because the peaceful quietness that penetrates the house is like gentle music to your ears and you can take a lovely relaxing bubble bath without what sounds like the whole US army trying to break down the bathroom door. Well, now that I think about it I´ve not known many moms that had the luxury of a bubble bath in the middle of the day but I can dream can´t I? I can´t help you find time for that bubble bath but maybe I can help you with those 720 lunches. Here are a few lunch and snack ideas from Dining On A Dime Cookbook to help out. *To keep drinks cold in lunch boxes, pour a small amount in the bottom of the container (not glass) and then set the cap loosely on top. Put it in the freezer overnight. The next day fill with the rest of the drink. The ice should slowly melt all day long, keeping the beverage cool. *Save the catsup and mustard packets and napkins you don´t use from the fast food restaurants. Use them in lunch boxes. *Puddings - sprinkle with marshmallows, coconut, nuts, chocolate chips, butterscotch chips or peanut butter chips (for chocolate pudding) or berries (in vanilla pudding) *Banana, pumpkin or zucchini bread *Tuna, egg or chicken salad sandwich *Tuna salad and crackers *Sandwiches made from last night´s dinner meat (ie. roast beef, chicken ,turkey) *Pickles *Ants on a log-celery with peanut butter inside and raisins on the peanut butter *Hot dogs *Canned fruit *Carrot sticks, celery sticks or radishes with Ranch dressing *Homemade granola bars Granola Bars 1 cup brown sugar ¼ cup sugar ½ cup butter or margarine, softened 2 Tbsp. honey ½ tsp. vanilla 1 egg 1 cup flour 1 tsp. cinnamon ½ tsp. baking soda ¼ tsp. salt 1 ½ cups rolled oats 1 ¼ cups crispy rice cereal ½ cup wheat germ (optional) 1 cup chocolate chips* In a large bowl, cream sugars and butter until fluffy. Add honey, vanilla and egg. Mix well. Blend in flour, cinnamon, baking soda and salt. Stir in remaining ingredients. Press firmly into the bottom of a greased 9x13 pan. Bake at 350< for 20-25 minutes. To microwave: Press ingredients into a microwave safe dish. Microwave on medium power for 7-9 minutes. Rotate dish every three minutes. Bars will firm as they stand. Cool and cut into bars. Save the crumbs for yogurt or ice cream topping. Makes 24 bars *The following may be used in addition to or to replace chocolate chips 1 cup coconut ½ cup creamy or chunky peanut butter ½ cup nuts ½-1 cup raisins, dried apples, apricots ½ cup fruit preserves Jill Cooper and Tawra Kellam are frugal living experts and the authors of the Dining On A Dime Cookbook. Dining On A Dime will help you save money on groceries and get out of debt, by cooking quick and simple homemade meals. For free tips & recipes visit http://www.LivingOnADime.com |
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