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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: December 17, 2007
AOL Users Please Visit Online
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Grandpa Terry's Quips
Tip #1 - Never spend more than you make each month. It
adds up quicker than you think.
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Leadership Roles Available
We are looking for several key people to place in leadership
roles on our team. If you are looking to start your own
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***What's Inside***
Grandpa Terry's Quips
Subscriber's Tip of the Week 1
Coupon Savings
Grandpa Terry's Update
Credit Card Information
Grandpa Terry's Tip of the Week
Site of the Week
Grandpa Terry's Email
Subscriber's Tip of the Week 2
Subscriber's Tip of the Week 3
This Week's Articles
Special Recipe - Chocolate Marbled Fudge
Watch for next week's newsletter featuring:
Parents, ward off 'childhood affluenza'
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Subscriber Tip #1
My husband and I pay bills that we are able to on our accounts
on the computer. The remainder of the bills are paid by mail and
we deposit the remainder in savings. We only use a small amount
for miscellaneous. We have an account for annual bills and put
money into this account every month.
Bev
Subscriber Tip Of The Week
Vote For This Tip
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 get carried away trying to use all your grocery coupons
each week, there are many times when it's better NOT to use a
coupon. One example is when the store brand product is still
cheaper than the name brand product, even when using a double
coupon! Always compare prices if a store brand is available,
they just might surprise you!
If you would like to learn how to save more money with coupons,
including how to use them WISELY, how NOT to use them, and how
to FINALLY get them organized so you CAN use them, order your
copy today!
010906
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Grandpa Terry's Update
Welcome to The Budget Stretcher!
I'm going to try running a contest for the best Subscriber Tip
of the week starting this week.
At the end of each tip will be an email link to vote for your
favorite tip. All you have to do is click on the link and send
a blank email to me. At the end of each month I will calculate
the votes and give the winner a free one year subscription to
Budget Stretcher Premium (a $19.95 value). For those submitting
tips, this will be in addition to your gift explained above.
Budget Stretcher Premium members that win will have 6 months
added to their subscription expiration date.
This is just one more incentive to get your tips in to me and
win prizes. The subscriber tips are the most popular part of
our newsletter and provide some great info to all subscribers.
Please take the time to submit your tips and cast your vote for
the best. To submit your tips please visit:
I received a Christmas Poem I would like you to read. Here is a
link to the poem:
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 have them visit:
Have a great week,
Grandpa Terry
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Support Our Sponsor
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Credit Card Information
Closing a credit card account with a balance
Ask Dr. Don by Don Taylor, Ph.D., CFA, CFP • Bankrate.com
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Grandpa Terry's Tip of the Week
Take A Break From Your Money Worries!
For the last year you have probably spent many hours worrying
about your bills and your debt. I would like for you to put this
on hold for the next two weeks.
I believe 50 weeks a year is plenty of time to put your efforts
into solving your money problems. This time of year is all about
much more important things.
Christmas time is for celebrating your faith and enjoying your
family and friends. I guarantee there will be plenty of time to
worry after the first of the year although it's a total waste of
time.
I saw a quip one time that read "Worrying is like paying a debt
you may never owe". Worrying about anything, especially your
money problems, only gets in your way of a rational solution.
If you must spend your time thinking about your bills and your
debt this holiday season try using logic instead of emotion. Sit
down and develop a plan to get out from under your burden and
vow to stick to it. In most cases this is all it takes.
Contrary to popular believe there are solutions to all money
problems. That is a bold statement since I know many are
struggling and there doesn't seem to be a way out.
These solutions may take time and you may even need to get
professional help but they are there. All you have to do is find
the one that will work for you.
Believe me, I know what it's like to have more bills than
money. It can drive you crazy. But worrying about it will never
make a payment or keep the wolves off your back.
Just do me a favor and enjoy this holiday season. We will get
back to work on your money solutions in 2008!
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Site of the Week
Christmas Sit-Down Menu With Kraft Foods
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Grandpa Terry's Email
Since I didn't receive any email this week I'm going to list
two more Subscriber tips that will be eligible for the best
tip contest:
I rarely buy bathroom cleaning products. I have a two year old
and when he's in his bath, I take a few minutes and spiff up the
bathroom. I mix a little shampoo and water in the sink. Grab a
rag and wash down the mirror, then the counter top. I use a
flour sack towel or paper towels to dry. I take the damp
paper towels and wipe off the dust on the toilet seat and the
icky dust that settles on the toilet base and in the corners.
Then I take my rag and wipe down the toilet. Once I get him out
of the bath I take his washcloth or wet towel and wipe down the
floors. My bathroom has stayed so much cleaner since I started
doing this. I'm not spending a ton of money on heavy duty
cleaners. Every so often or if one of us has been sick I use a
disinfectant on all surfaces. I have to be in the bathroom with
him anyways.
Heather
Subscriber Tip Of The Week
Vote For This Tip
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I get paid weekly, something I do to save money is budget on 4
paychecks a month. There are 4 months in the year that have 5
weeks so by not including that 5th week in my budget, I am
essentially saving a month's worth of income each year.
Adam
Subscriber Tip Of The Week
Vote For This Tip
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Subscriber Tip #2
Local stores have all sorts of boxes that customers can request
to take for FREE that are great for organizing, rather than
buying the "special" ones in stores. Like at school and
Christmas time, Ziploc sends display shelves that are great for
storing linens and quilts. Dollar day sales have displayer boxes
that are great for organizing kids toys, magazines, papers, and
a multitude of other things...just keep your eye open!
Heck...even those HUGE boxes that some stores get for their
stuffed animals (especially around Christmas) can be used for a
little kids' playhouse (paint it up...and it makes a CHEAP gift
with HOURS of fun!).
Angela
Subscriber Tip Of The Week
Vote For This Tip
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Support Our Sponsors
Finally Organized, Finally Free
An 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!
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Budget Stretcher Partners
SavingAdvice.com
Thrifty Fun
Smart Money Tips
TheFrugalShopper.com
4 Moms at Home.com
Debt Smart
Maxxsave.co.uk
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Subscriber Tip #3
I purchased the Reynolds Handi Vac sealer and the bags. They
are WONDERFUL!!! If I open cheese and don't use it all, I seal
it up When I need more, I open and re-seal it, same bag. I clean
and seal my vegetables like carrots, celery, cauliflower, even
lettuce and it stays fresh for a long time. I wrap my meat in
individual packages and then seal it in a gallon bag, when I
need it, I open it take out what I need, seal it back up and put
it back in the freezer. No Waste!!!, No extra bags. Also, I have
found the bags to be cheapest at Wal-mart, about 1.50 cheaper
than grocery stores.
Anissa
Subscriber Tip Of The Week
Vote For This Tip
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This Week's Article Links
Just click the links to view the article
Is wife liable for credit card debt?
By Justin Harelik " Bankrate.com
Gift Ideas to Keep You From Becoming a Basket Case!
By Tawra Kellam
12 money tips from holiday 'experts'
By Kay Bell • Bankrate.com
To read more articles visit:
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Take Advantage of your Budget Stretcher Subscriber
Benefits Visit:
Visit Our Forum
Budget Stretcher Subscriber Benefits Page
Join This Groups
A_Simple_Life
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Debt Consolidation can:
H - Help avoid filing bankruptcy
E - Eliminate creditor harassment
L - Lower debt payments up to 50%
P - Provide one monthly payment
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Special Recipe
HOLIDAY COOKING
Christmas Salad
4 cups chopped cauliflower
4 cups chopped broccoli
2 cups halved cherry tomatoes
1 medium chopped/sliced purple onion
1 cup Miracle Whip
1/2 cup sour cream
2 Tsp. sugar
1 Tsp. vinegar
dash of salt
dash of pepper
1. Chop all vegetables in a large bowl that can be sealed. Cut
cauliflower & broccoli in large bite size pieces. Cut onions in
slivers, tomatoes in half, toss.
2. In a medium bowl add Miracle Whip, sour cream, sugar vinegar
and salt and pepper to desired taste.
3. Combine the vegetables and dressing mixture at least 2 hours
before serving. Allow it to sit in the refrigerator to setup.
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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.
~~When washing dark clothes for the first time use cold water
and put salt in the water. The salt helps set the color. To
brighten dark clothes after they have been washed several times,
repeat the procedure.
~~Black clothing tends to look brown after several washings. To
restore the black color, add coffee or strong tea to the rinse
water.
~~Many garments labeled "Dry Clean Only" can be safely hand
washed using mild soap like Woolite and cold water.
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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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