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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: December 24, 2007
AOL Users Please Visit Online
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Grandpa Terry's Quips
Tip #11 - If you complain about paying $2 or $3 for using a banks
ATM maybe you should look at the taxes that are taken out of your
check!
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Support Our Sponsor
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
business to reach your goals, come and help us, help you!
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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 - Maple Ham
Watch for next week's newsletter featuring:
Pay late fee, even if it's not fair
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Subscriber Tip #1
I like to buy a 1/2 or gallon of milk when it's on sale, but am
only one person and can't drink it all before it spoils. I pour
most of it into Ziploc's round 2-cup containers, leaving about
1/2 inch of head space, and freeze it. I shake the container
before using the thawed milk, and nothing is thrown away.
Jessie
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
Dont buy items you really dont need, even if you have a
coupon. As with all sales, buying things you dont need
is NOT a good way to save money. (Unless the item is
practically free!) And this is especially true if you have
a limited grocery budget. Years ago when our family had a
grocery budget of less than $30 a week most of that money
was spent on staple items that do not offer coupons, like
milk, bread, eggs, etc However, I still managed to keep
our pantry full by using coupons wisely! :o)
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!
011606
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Grandpa Terry's Update
Welcome to The Budget Stretcher!
I want to wish you a Very Merry Christmas. If your faith
doesn't celebrate Christmas I want to wish you the same joy and
happiness Christians feel this time of year.
Ok folks, I know we can do better than 10 votes for our
Subscriber's Tip of the Week contest. Please read the tips and
vote for your choice each 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:
We have a new advertiser this week. Scott Bilker is a
well-known expert on the best way to manage credit card debt and
he has been a friend of mine for several years. See his ad below
and please take the time to visit his site at:
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
What readers are saying about "Talk Your Way Out of Credit Card
Debt," by Scott Bilker:
"I spent about 2 hours reading 'Talk Your Way Out of Credit
Card Debt,' getting comfortable with the strategies. Then, after
my first phone call, which saved me $210 per year, I was off and
running! I was able to reduce my interest rate by as much as 9%.
I called all six of my Mastercard/Visa companies and was able to
save $1,983 per year from the finance charges plus having a
$59.00 annual fee removed and a late fee removed ($29.00). The
$/hour saved ranged from $141/hour to $2,464/hour and averaged
$1,334/hour. It was so easy!!"
--Fred Robinson, Teacher, Milford, NH
Learn how to get this book, and two more free, with a special
offer:
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Credit Card Information
Would You Buy a New TV for $29,811?
By Marc Eisenson & Nancy Castleman
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Grandpa Terry's Tip of the Week
Credit Card Interest Is Going Nuts!
Last week I was surfing the web and came across a web site
that offered all kinds of credit cards. It had a real neat table
showing the benefits, interest, etc.
The first table didn't look too bad because it was for people
with a good credit rating. The interest rates run around 15%
with no annual fee.
When I got to the second table I almost swallowed my tongue. It
was for people with bad credit. They listed 3 cards. One of the
cards boasted an annual percentage rate of 39.6% with no annual
fee. Charging that kind of money they don't need an annual fee.
This isn't too much better than a Payday loan and I'm sure a
loan shark would be proud to get that much for his money.
Just some quick calculations...
If you had a credit card with a balance of $10,000 and an
interest rate of 39.6% your interest alone would be $333 per
month. If you only had to add 1% for the principle your monthly
payment would be $433 per month.
When I bad-mouth credit cards I usually receive a ton of emails
telling me about all of the benefits you can receive with some
cards. They are right, but!
I have yet to see any benefits for credit cards that would save
money unless you pay off the entire balance each month. If you
know of one please send it to me so I can pass it along.
Carrying a balance on your credit cards has always been a
losing proposition. It's getting worse. I recently read an
article where credit card companies are raising your interest
rates just because your credit score dips a few points.
Now, let me get back to reality. Odds are you have credit card
debt right now and are possibly only making the minimum payment.
If this is the case I urge you to do what ever it takes to start
adding more money to pay off these cards even if it's just five
bucks a month.
Here are a couple of articles that might help:
Constant Credit Card Payments
Paying Off Your Credit Cards and Other Bills
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Site of the Week
BillyBear4Kids.Com
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Grandpa Terry's Email
Grandpa Terry,
Happy Holidays!! I read an article from your newsletter for the
people serving overseas and thought this link might be of
interest to your readers. For 25.00 they can send a nice package
to a soldier. Here you go:
There are over 150, 000 men and women currently serving
overseas. Aside from the love of their country, they have
another thing in common: they all deserve a special token of
appreciation from those they're serving, especially during the
holiday season.
No matter what your stance on the war, sending a soldier a
letter or package is not linked to a particular political party.
If you don't know anyone serving, but would still like to send
a package:
Due to heightened security, the Department of Defense does not
allow correspondence to "Any Service Member". Instead, the USO
of Metropolitan Washington created the Operation USO Care
Package (
Operation USO Care Package with everything a soldier
needs. The donation for the package is $25. Each month, the USO
sends approximately 25,000 of these gifts of support. Since
2001, over one million packages have been sent and distributed
to service members overseas There are several other
organizations (
dedicated to providing comfort and reassurance to the men and
women in uniform.
If you know someone overseas:
A letter is still the best gift a soldier can receive.
Other items that rank high on the list include:
baby wipes
sunscreen
toiletries
disposable camera
batteries
playing cards
References on where and what to send:
The United States Postal Service (
) will provide you with information on where to send the
packages and a list of restricted items such as obscene photos
and pork and by-pork products.
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Subscriber Tip #2
This is our 5th stress free Christmas. We put $ every month
into a savings account for gifts. We pay it religiously every
month just like it is a bill Try it! It sure makes Christmas
stress free and more enjoyable.
Michelle
Subscriber Tip Of The Week
Vote For This Tip
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Support Our Sponsors
My Budget Planner
Are 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?
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Budget Stretcher Partners
At Home Parent
Work-at-Home Team
Frugal Folks.com
Tidbits from the Pantry
Abbys Good Stuff for Free
Diva Tribe
Free Credit Card Reviews
MomsMakingMoneyOnline.com
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Subscriber Tip #3
We save a lot at Christmas time. Instead of spending a lot on
so many people, we get together the Saturday before Christmas
with all our children, grandchildren, friends etc and have an
old fashioned Yankee Swap. No one can spend more than $10 on a
gift to swap. Each family brings a dish for the dinner or
dessert table. The grandchildren have a gift that the parents
buy just for them (they get to open their own gift instead of
being involved in the swap as they are too young as of yet).
No one goes broke or overspends. We focus on the Real meaning
of Christmas, the love of family and friends, and a great time
together.
Karan
Subscriber Tip Of The Week
Vote For This Tip
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Support Our Sponsors
A VA Loan can keep High Interest Rates Away
In today's housing market there are a record number of
foreclosures throughout every state. Don't be a part of the
growing number of Americans staring foreclosure in the face and
obtain a loan insured by the federal government.
The VA offers many great benefits to those that have served our
country and are looking to purchase their first home. A
for veterans who are first time home purchasers with little
credit to poor credit to obtain a competitive interest rate. If
you currently have a VA Loan you may also look into a
that loan to help save you money with your mortgage to receive
the best rate.
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This Week's Article Links
Just click the links to view the article
Parents, ward off 'childhood affluenza'
By Brigitte Yuille " Bankrate.com
Stop Paying Two Phone Bills: Make Your Cell Phone Your Primary
Line
by: Syd Johnson
Christmas Bills
By Deborah Taylor-Hough
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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Support Our Sponsors
Samples for free - over 1500 to choose from
Free 1500 samples
Samples of candy, food and other items
Free candy samples, pet samples, + others
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Special Recipe
HOLIDAY COOKING
Maple Ham (Slow Cooked)
1 ham
3/4 cup maple syrup
4 tsp. ground mustard
2 cups apple juice
4 Tbsp. cornstarch
3 Tbsp. water
2 Tbsp. margarine
6 tart apples, cored and sliced
Combine 1/2 cup maple syrup and mustard. Pour over ham before
baking. Pour apple juice in the bottom of the roasting pan.
Bake ham at 250 degrees for 1 hour. Reduce the heat to 175
degrees and roast another 12-15 hours. This is great because
you can put in the oven overnight and it will be ready the next
day for the noon meal. The cooking time can go for longer if
needed to fit your schedule, since it is at such low
temperature.
Remove and keep warm. Transfer juice to a saucepan. Combine
cornstarch and water in a bowl and stir until smooth. Add to
saucepan. Bring to a boil over medium heat and boil for 1
minute until thickened. In a skillet, melt margarine over
medium heat. Add apples and 1/4 cup maple syrup. Cover and
cook for 10-15 minutes, stirring occasionally. Slice ham and
serve with apples and gravy.
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.
~~To remove grease from wallpaper, apply baby powder to a clean
powder puff, rub, and spot disappears.
~~Cuticle remover will clear hands of nicotine stains.
~~Use Lubriderm skin lotion or Turtle Wax to shine your shoes.
~~Treat stubborn bathtub stains with a mixture of cream of
tartar and hydrogen peroxide. By the time the paste dries, the
stain should be gone.
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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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