The FREE Budget Stretcher Newsletter
October 24, 2005



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    The Budget Stretcher (Special Issue)
    Week Of: October 24, 2005
    AOL Users Please Visit Online

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    Grandpa Terry's Quips

    Tip #41 - Knowing the MPG of your vehicle(s) is as important
    as knowing your credit score these days.

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    ***What's Inside***

    Coupon Savings
    Grandpa Terry's Update
    Gas Saving Tips From Subscribers

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    Coupon Savings

    When the end of the month is drawing near, as it is this week,
    I always like to take a quick look through my coupons for any
    that might be expiring soon.  Manufacturers set many of their
    coupons to expire on either the first or last day of the month,
    so keep an eye out for both dates and take any that you need to
    the store this week; before they expire!

    Have a question about coupons?

    Copyright by Michelle Jones, founder of

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    Grandpa Terry's Update

    Welcome everyone to this week's issue of our newsletter.
    A special welcome to all of you new subscribers.

    This week's issue is almost entirely dedicated to learning
    ways to save on your car's gas bill.  Although the cost
    of gas is coming down in most of the country it's still
    a lot more expensive to fill up your car than it was a
    year ago.

    Many of the tips and articles in this issue will be duplicated
    but I felt it necessary to show you all of what has been
    submitted by our subscribers and contributors.

    These tips are for information only and whether you use any
    of them is entirely up to you.  You should consider them
    carefully to avoid any damage to your vehicle.  Naturally,
    myself, Budget Stretcher or the contributors can't be held
    responsible for any negative effects.

    I will be eliminating several of the parts to the newsletter
    to make room for these tips just for this week.

    Here is an excellent article on Gas Savings by a friend of
    mine:

    Save Money On Gasoline For Your Automobile
    Gregory Thomas

    I hope this helps keep a little more of your money in your
    pocket.

    I've made a web page listing all of the Gas Savings tips
    and placed a link to in on your Subscriber Benefits page.
    Here is the link:


    I would like to thank all of you that took the time to help
    us all save some money.

    That's all I have for this week.  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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    Gas Saving Tips from Subscribers

    This is a tip from my mechanic...

    Keep your tires inflated to the proper level! I regularly
    track my miles per gallon, and after he told me that it is
    important to keep your tires inflated to the proper level
    (my car has this indicated on a label on the inside of the
    driver's side door), I have been keeping an eye on my
    tire air level. My mpg has gone up since I have maintained
    the air level in the tires! I was surprised that it would
    make a noticeable difference, but it does!

    Rachel

    --------------

    Hi there, I first off want to say that I really enjoy your
    newsletter, I love to read all the great suggestions. You had
    asked about money saving tips on gas. I don't know if these
    will be helpful, but I work for a company where we all have to
    drive all day and these are some of the tips I remember that
    were put out in a memo that was sent to us.

    1. Check your tire pressure. even if you are 1 point below
    your recommended PSI on your brand of tires, you lose gas
    economy.

    2. Get your tune up and check your air filter. A dirty air
    filter causes your car to use more fuel .

    3. Empty out your car. If you have a lot of items in your car,
    especially in smaller cars, you lose fuel economy.

    4. Roll up your windows. Driving with your windows down actually
    causes you to use more fuel.

    5. Drive the speed limit. Every time you speed, you not only
    risk getting a ticket you lose valuable fuel. Especially if
    you speed and then brake a lot.

    6. Don't waste your money on supposed fuel saving products.
    They don't maximize your use of gasoline.

    7. Use the internet to find the cheapest gas station in your
    area. Fill up.

    8. Try to be efficient on your errands/trips. Figure out where
    you are going first. Try to get as much done in a specific area
    as you can to maximize your efficiency, and use less fuel,
    driving all over town.

    There were a few more, but these are the ones I remember.
    Take care!!
    M.L. Phoenix, AZ

    --------------

    Gas Saving Tips:
    Use "overdrive" when going at least 40 mph, using drive uses
    more rpms and more gas.

    When you see a red light ahead, take your foot off the gas peddle.
    Often the light will change and the cars get moving before you
    get there and there is no need to brake.  The less you brake, the
    less acceleration you have to do.  Once someone behind my husband
    told him his brake lights were out.  No they weren't...he
    just drives the speed limit, keeps his distance from the car
    ahead and rarely has to break for slow moving traffic.

    Pam

    --------------

    Hi Terry!

    These tips are posted on the 'Low Impact Living' site. So is the
    short 'buying gas' tip I sent through the homemoneyhelp site to
    you yesterday. Since these do come from another website, I didn't
    know if you'd be interested in them, though I feel they'd be
    helpful to the readers. You decide. *smiles*

    Blessings!
    Roseanne

    1) DRIVING MORE EFFICIENTLY
    Drive Sensibly
    Aggressive driving (like speeding, rapid acceleration and braking)
    wastes gas. It can lower your gas mileage by as much as 33 percent
    at highway speeds and by 5 percent around town. Sensible driving is
    also safer for you and others, so you may end up saving more than
    just gas money.

    Fuel Economy Benefit: 5-33%
    Equivalent Gas Savings: $0.11-$0.73/gallon

    Observe the Speed Limit
    Gas mileage decreases rapidly at speeds above 60 mph. Each 5 mph you
    drive over 60 mph is like paying an additional $0.15 per gallon for
    gas. Observing the speed limit is also safer.

    Fuel Economy Benefit: 7-23%
    Equivalent Gas Savings: $0.15-$0.51/gallon

    Remove Excess Weight
    Avoid keeping unnecessary items in your vehicle, especially heavy
    ones. An extra 100 pounds in your vehicle could reduce your MPG by up
    to 2%. The reduction is based on the percentage of extra weight relative
    to the vehicle's weight and affects smaller vehicles more than larger
    ones.

    Fuel Economy Benefit: 1-2%/100 lbs
    Equivalent Gas Savings: $0.02-$0.04/gallon

    Use Your Cruise Control
    Using cruise control on the highway helps you maintain a constant speed
    and, in most cases, will save gas.

    Use Overdrive Gears
    Riding the brakes is unsafe, wastes gas and prematurely wears down your
    brake shoes. When you use overdrive gearing, your car's engine speed
    slows down on its own. This saves gas and reduces engine wear. But
    remember not to stay in low gears at high speeds. Use only for slowing
    down.

    Don't Idle!
    People used to warm up their cars by idling for 5 or 10 minutes to reduce
    wear and tear. We now know the opposite is true. An idling car can increase
    engine wear and tailpipe emissions. If your car is in decent shape, there's
    no need to idle for more than a few seconds before taking off. An engine
    actually warms up more quickly while driving anyway.

    And for those times when you're "just running in," or stuck for a train a
    good rule of thumb is if you'll be 30 seconds or more, just turn the car off
    and restart it when you get back. Remember- when you idle you get zero miles
    per gallon.

    Roll 'Em Up
    Don't drive with open windows when traveling at high speeds. Open windows on
    the highway can reduce fuel efficiency by 10%. It's much better to use the
    ventilation system.

    2) KEEPING YOUR CAR IN SHAPE

    Keep Your Engine Properly Tuned
    Fixing a car that is noticeably out of tune or has failed an emissions test
    can improve its gas mileage by an average of 4.1 percent, though results vary
    based on the kind of repair and how well it is done. If your car has a faulty
    oxygen sensor, your gas mileage may improve as much as 40 percent.

    Fuel Economy Benefit: 4-40%
    Equivalent Gas Savings: $0.09-$0.88/gallon

    Check & Replace Air Filters Regularly Replacing a clogged air filter can
    improve your car's gas mileage by as much as 10 percent. Your car's air
    filter keeps impurities from damaging the inside of your engine. Not only
    will replacing a dirty air filter save gas, it will protect your engine.

    Fuel Economy Benefit: up to 10%
    Equivalent Gas Savings: up to $0.22/gallon

    Keep Tires Properly Inflated
    You can improve your gas mileage by around 3.3 percent by keeping your tires
    inflated to the proper pressure. Under-inflated tires can lower gas mileage
    by 0.4 percent for every 1 psi drop in pressure of all four tires. Properly
    inflated tires are safer and last longer.

    Fuel Economy Benefit: up to 3%
    Equivalent Gasoline Savings: up to $0.07/gallon

    Use the Recommended Grade of Motor Oil
    You can improve your gas mileage by 1-2 percent by using the manufacturer's
    recommended grade of motor oil. For example, using 10W-30 motor oil in an
    engine designed to use 5W-30 can lower your gas mileage by 1-2 percent. Using
    5W-30 in an engine designed for 5W-20 can lower your gas mileage by 1-1.5
    percent. Also, look for motor oil that says "Energy Conserving" on the API
    performance symbol to be sure it contains friction-reducing additives.

    Fuel Economy Benefit: 1-2%
    Equivalent Gas Savings: $0.02-$0.04/gallon

    *************************************************

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    I've been carpooling with a coworker from work, and it's worked out great.
    Because she's an early bird, I've been getting into work an hour earlier
    -- and get to leave earlier too!

    Silvia

    --------------

    Plan your week.  Knowing you will be dropping kids off at school, driving
    to work and home, use these trips to arrange your errands and shopping.
    Have all coupons, lists etc with you.  If you forget to go somewhere, let
    it wait until the next time you have a group of errands to run.  It saves
    you time, effort and keeps your driving to a certain area.

    Also, make sure your tires are in good shape, fully inflated and your air
    filter is clean.  A little maintenance can go a long way in fuel efficiency.

    Tambi

    --------------

    Gas prices tend to be higher on Fridays and weekends, and just before
    holiday weekends.  Try to gas up T, W, Th.

    Gas stations adjacent to freeways tend to be more expensive.

    Piggyback or group your errands to minimize unnecessary driving.

    NEVER pay for premium gas unless your car knocks or pings on regular.

    Avoid filling up in the hot part of the day.  Gas expands when hot, so
    you actually get less gas for your buck.

    I buy all my gas at Costco.  Its always anywhere from a few cents to
    15 cents cheaper than anywhere else.  Gas at local stations here is
    around $3-3.10/gal, yesterday I paid $2.88/gal.  Fortunately the store
    is very close to my home!

    Linda

    --------------

    Excel and Slow down gradually as apposed to quickly.

    Check the local prices on the web.

    GasBuddy.com - Find cheap gas prices in your city

    Get rid of non essentials, extra weight decreases gas mileage.

    Check Tire Pressure,  1 PSI can be the difference of 2 miles per gallon
    according to AAA.

    Check Air filter

    No Name Given

    --------------

    As you drive about town, get in the habit of scanning posted gas prices.
    You'll notice some gas stations that almost always charge less than the
    others. Anytime you're near those cheapies, filler up. As you scan around
    you'll occasionally be rewarded with a posted price that is even lower
    than that of your favorite stations.

    Jane

    --------------

    I'm not certain if I submitted the tip correctly so I'm trying again.
    Sorry if this is a duplicate.

    Our family of 7 makes a game of seeing how long we can go without buying
    gas. We avoid making unnecessary trips. Instead, we bike, walk, or run
    whenever possible. When we must drive, we combine errands to save on gas.
    This takes careful planning, such as knowing what items will be needed
    for the month's menu.

    Instead of putting money into a car, we invest in cycling equipment.
    Our bike trailer holds our 2 youngest children; the rest of us use our
    leg power to get around. The bike trailer is also great for holding up
    to 100 lbs. of groceries or household items from WalMart.

    My husband purchased cycling rain gear, warm weather cycling clothes
    and lights for the bikes so now he can bike to work even in inclement
    weather, saving us several gallons of gas a week. The money we spend
    on our bikes and equipment is insignificant when compared to the
    savings on gas, car repairs, and insurance. We also get much needed
    exercise and stay healthier, preventing unnecessary trips to the
    doctor's office.

    When we do drive, we observe the speed limit and stay alert for red
    lights. Once stopped we gradually increase our speed rather than
    accelerating quickly. Nothing burns gas more than frequent stops and
    starts and stepping on the gas pedal.

    We live in a hilly section of Virginia, so it's not always easy
    running or cycling on these roads. But through the years we've gotten
    stronger and now we think driving to the store is boring. It's so
    much more fun to bike!

    Rachel

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    If you have the opportunity at work to adjust your working hours, pick
    a less busy time of day for your commute.  My daughter carpools with
    me for work, and we leave at 5:15 in the morning, and we leave work at
    2:30.  We miss all of the heavy traffic.  Even the school buses in the
    afternoon are going the opposite direction as we are.

    An even bigger saver, though, is to check out different routes.  With
    new construction going on everywhere, you may find a faster trip along
    one of those routes.  My morning ride is one route, even thought it has
    many more traffic signals, they are usually green or short on the reds.
    And the afternoon ride is a breeze since I get to sail right through at
    those same signals that would slow me down if I took it in the morning.
    My new after-work route shaves nearly 10 minutes off my old commute!

    Ida

    --------------

     If you have a tachometer on your vehicle, keeping it at a constant is
    more helpful that keeping the speedometer at a constant.  This is
    especially true in hilly terrain.

    Vicki

    --------------

    I save gas by carpooling with friends and coworkers.
    I also use public transportation.
    If I have to use the car, I make sure I routed my itinerary.  I tried to
    run several errands every time I have to use my car.
    I also check out the gas prices at gasbuddy.com to see where I can get
    cheaper gas.

    Wendy

    --------------

    I have seen a lot of tips on how to get better gas mileage but have not seen
    this one.  I have a Mercury Grand Marquis car and with normal driving, I get
    approximately 18-19 miles per gallon.  Recently I went to Michigan to see my
    children and grandchildren and I got 30-31 miles per gallon by driving 55-57
    miles per hour.  Granted those are interstate highway miles for the most
    part and yes, everyone does pass me, but I don't care. I am even getting 20-22
    miles per gallon in town when I keep my speed at or below the speed limit.

    Carol

    --------------

    Hubby has a 95 Caravan that has served us well. The gas mileage was starting
    to get around 15 to 17 miles/gallon.  We went to our local Farm and Fleet and
    purchased an air filter, K & N is the name brand. It is a reusable filter,
    just clean it 2x's a year. (unless all the driving you do is on dusty
    roads, then possibly more often).  Now our gas mileage is around 22 to 24 mpg.

    To me that is a savings. (mpg. based on all-around driving, not just in town
    or on a long trip.)

    The cost of the filter did seem high to us at first, $35.00, but it is the
    last one we will have to buy for the van. The van also has more get up and go,
    almost like it has only half the miles on it that it does.

    Deetermined...

    --------------

    To save on gas, empty your trunk/back of vehicle of unnecessary items. Hauling
    extra items around in your vehicle reduces your miles per gallon.

    Deb

    --------------

    Gas Saving Tip:  Where I live, we have Krogers grocery store with gas pumps.
    If you spend $100 within a 30-day period you earn 100 points at Krogers.
    And when you do that, you receive 10 cents off the regular price of gas all
    using your Kroger card.

    Julie

    --------------

    For cheaper gas look for gas stations not located within a cluster of gas
    stations and not on a major street. Those stations tend to price their gas
    at the same price but the lone wolf gas station may tend to price their gas
    based on their own costs not what other gas stations are charging for gas.
    This may mean you can find a bargain.

    Garth

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