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The Budget Stretcher
Week Of: December 4, 2006
AOL Users Please Visit Online
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Grandpa Terry's Quips
Tip #30 - Having money isn't about having money. It's about
peace of mind.
Answer to Last Week's Tip:
Tip #9 - Trick Question - You don't have enough money to cover
your House payment/Rent and your car payment. The House payment
is 30 days behind and the car payment is 90 days behind. What
do you pay first? Think about it!
Answer:
Your house payment or rent is always the second priority you
have behind groceries. This is simply the law of survival. In
the above question you should pay the house payment and contact
the car loan company and explain the situation.
To get a better understanding of how to set your priorities here
is an article that explains it in detail:
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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 - Coconut Pie
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Subscriber Tip
I have been shopping at Safeway and when their roasts come on
sale for $1.99lb, I have them grind it up into hamburger. The
butcher does this for free and you get extra lean hamburger
for half the price of already ground hamburger.
Michelle
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
Here's a tip that will help you with your holiday shopping!
Since one of the best ways to maximize your coupons is to buy
items that are on sale, an easy method for knowing when a store
SALE is a GREAT SALE is to be familiar with the regular prices,
and regular sale prices. Every year during the holidays I
collect the weekly sale flyers from stores like Wal-Mart,
Target, Staples, Best Buy, Sears or any store that might have a
particular item I'm wanting to purchase. Then, when the item I'm
looking for goes on sale I can easily compare what the normal
sale prices are and know when it's the best time to buy!
Save hundreds of dollars on your groceries each month, with or
without using coupons! Read more of Michelle's FREE grocery
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Grandpa Terry's Update
(Quote - "Do It Now Before Your Future Becomes Your Past")
I want to personally welcome you to this week's newsletter. If
you are a new subscriber all you have to do is just sit back,
read and enjoy.
I have a great special offer coming out this afternoon. I'm
sorry but I can't tell you about it now. You will just have
to watch your mailbox for a Subject Line of:
The Budget Stretcher - Let Your Kids Hear From Santa
I think you are going to especially enjoy one of our articles.
It contains a link to a complete listing of all of the holiday
shows on tv including what channel they are on. The article is
called "The Christmas Jar".
I printed the list of tv shows out and it was 11 pages sorted
by date and time. I had to copy and paste it into Microsoft
Works Word Processor and adjust the spacing or it would have
been 18 pages.
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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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
Special-need card users: Introduction
By Bankrate.com
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Grandpa Terry's Tip of the Week
Thrifty Fun.com
There are a lot of great web sites on the internet these days
to help you save money and make life a lot easier.
Without a doubt, Thrifty Fun.com is my favorite. They offer so
much that it's hard to where to start. This is why you see
their ad in the newsletter each week.
First, you can find an informative newsletter on a variety of
subjects. Here is a list of the newsletters they offer:
ThriftyFun Crafts: New! A weekly crafts newsletter full of
tips, ideas and requests. A must read for frugal crafters!
ThriftyFun Recipes: The ThriftyFun Recipes is published daily,
Monday through Saturday. Everyday we feature between 5 and 10
recipes submitted by our readers.
Daily Thrifty Tips: The Daily Thrifty Tips is published daily,
Monday through Saturday. Everyday we publish tips, photos, craft
ideas and requests that have been submitted by our readers.
ThriftyFun News: The ThriftyFun News is published weekly. Every
week we pick a new topic and publish tips and articles about
that topic. Topics include food, holidays, frugal living, home
improvement and gardening.
Happy Garden Newsletter: Our gardening newsletter. Full of
gardening advice and growing guides. Sent once a week.
One other area that I believe will interest you is their Coupon
Swap pages. Right now they have over 600 people with coupons
they want to swap and coupons they need.
I want you to do something for me. Please visit the below link
and sign up for one or more of their newsletters and take
advantage of all they have to offer. Actually, this will be
doing something for you too:
Oh, by the way, this is all free!
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Site of the Week
Christmas Websites
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Grandpa Terry's Email
Topic of Discussion
Dear Terry,
I would like just a little info on which is the best way to get
out of debt. We do not have the extra money to pay more on our
debts, in fact we barely pay all of them now. In you opinion,
which is the best way to go to help get us out of debt. We spend
only about $30.00 a week on food. We have no outside activities
that we have to pay to do. Just a little advice.
Thanks,
Laurie
My Response:
Hi Laurie,
That's a tough one but I'll give it a try. If you can't afford
to pay more on your credit cards or other debt you may try
manipulating them.
First, call your credit card companies and ask them if they
will lower your interest rate. Inform them that you intend to
transfer your balance to another card if they refuse. If they
won't work with you then try to obtain a 0% interest rate card
(normally 12 months) or a card that charges less interest than
the ones you have and transfer the balances to that card.
Here is another trick that could cut half the time and interest
and won't cost you anything. Keep paying the same payment you
paid this month on all of your credit cards even though the
minimum payment goes down. This actually works even though it
takes a little longer than adding to your payment. Here is a
link to an article that explains this in detail.
I hope this helps,
Terry
-------
Response to last week's quip!
Hi Terry,
If the one payment is 90 days late there will be late charges!
For 3 months!
The 30 days would also, but only 1 month. The little amount
that is paid on the 3 months wouldn't really be much. The one
month might be a better solution. But the amount of interest is
something to consider also. I think I'd go with the 30 day. This
is Juanita talking to you! Remember me? Co-signer of grandson's
loan, who now has no money? I have filled out forms to get on
the Circuit Breaker here in Il. I won't know till Jan if I'm
going to be accepted. Let me know or are you going to put the
answer in your newsletter? Of course you are, , , , , , , ,
DAAAAA I had a fair Thanksgiving too.
All the Best to you
Love, Juanita
-------
Grandpa Terry,
I wanted to say thank you for giving me a light at what I
thought was a very long dark tunnel. In looking at your debt
elimination plan for my family I actually found it manageable
and not as overwhelming as I once thought it might be.
I will admit to you that I am sure that from time to time
something will come up that will cause us to deviate from the
given plan but I have vowed to not use any more credit cards no
matter what. They have been the bain of our finances for a while
now and I want to be free from them. I have been finding that
getting started budgeting and what not is a bit overwhelming for
me only because I tend to jump in with both feet thinking that I
can get it all under my control within a matter of days when in
reality that's so far from the truth especially since it didn't
take a mere few days to get us spinning out of control. So I am
attempting to take it one step at a time. I will be using your
debt elimination plan for my family and in the mean time I will
be tracking all of the family spending (cash, debit card
purchases & bills written by check or paid electronically) and
after that I will compile my list so that I can attempt to do a
truer budget for my family. I have to realize that this is a
work in progress and a learning process for all of us.
I have to thank you for that. You and your open dialogue with
me. I can't tell you how much I appreciate that especially since
there are so many money management programs out there that don't
offer the interaction you do. It means a great deal to me to
know that I am not alone.
Thank you again.
Lisa
My Response:
Hi Lisa,
You are very welcome and I am thrilled to be a small part of
your quest to pay off your debt.
There is very little in managing your money that is written in
stone. There will always be things pop up that you just can't
plan for. However, the more organized you are the easier it will
be.
One of the quips I use in my newsletter goes: "Debt is
overwhelming. So is building a house. It's a little easier if
you tackle it one 2X4 at a time." Just take it slow and easy and
it will come together before you know it.
Any time you have a question please feel free to contact me.
That's what I'm here for.
Have a great weekend,
Grandpa Terry
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Subscriber Tip
Tired of buying roll after roll of wrapping paper (and having
it run out when you're almost finished wrapping)? Try going
down to your local newspaper - or other printing establishment
and ask if you can buy an end-roll. These are rolls of newsprint
paper that they did not quite use up, but are too small to start
another printing run. You can wrap large packages for almost
nothing, and decorate it however you like. My favorite decor for
white packages is gluing on dried or silk flowers. The white
paper is perfect for coloring, too. It's always a big hit.
Shelley
Editor's Note: Shelley please contact me at tre2000@midwest.net
I need your email address to send your organizer.
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SavingAdvice.com
Smart Money Tips
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Debt Smart
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Subscriber Tip
During the year, I keep various cereal boxes, boxes from tea,
cookies, potato chip cylinders, etc. and use them for gift boxes
for the holidays. If my child has a favorite cereal, it is fun
to watch them open a present and see their cereal box with a
gift inside. My relatives get a laugh out of opening a box of
their favorite tea and finding a gift inside as well. Its an
opportunity to reuse and lets them know I think about them
during the year as well. You can flatten the boxes and keep them
in a paper grocery bag in the pantry to cut down on storage
space. I do this for birthdays too... sort of a gift within a
gift and it always brings a surprised laugh when they tear open
the wrapping paper. (Did she give me a box of cereal for a
gift?) ; ]
Hobby
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This Week's Article Links
Just click the links to view the article
The Christmas Jar
By Amy Allen Clark
(Note: This article contains a complete listing of holiday tv
shows)
Refinancing doesn't stop debt problems
The Debt Adviser by Steve Bucci • Bankrate.com
The Money Jar Trap - Why Many Lose Money With A Coin Jar
By Jeffrey Strain
To read more articles visit:
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A_Simple_Life
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FrugalMomsNews
FunOnABudget
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Samples for free - over 1500 to choose from
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Special Recipe
Holiday Cooking
Coconut Pie
1 1/2 cups milk
1/4 cup sugar
1/4 tsp. salt
3 Tbsp. flour
1 egg yoke
1 Tbsp. butter
1/2 tsp. vanilla
1 1/2 cups coconut
1 baked pie shell
whipped cream
Scald 1 cup milk in a double boiler. Mix sugar, salt flour, and
remaining milk together. Stir into hot milk and cook slowly
until thickened, stirring constantly. Cover and cook over
boiling water for 5 minutes. Add mixture slowly to egg yokes
and cook 1 minute longer. Add butter and vanilla. Stir in
coconut. Cool. Pour into baked pie shell and top with shipped
cream if desired. Makes one 9-inch pie.
This recipe compliments of The Best Cookbook Anywhere Not Just
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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.
Do you need some free Christmas printables? Check out the large
selection of printable links on the below page:
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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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