Best Gas Prices
Drivers, buckle your seat belts. Gas prices are rising again. While unemployment and credit news have been grim during the recession, there's been one source of relief for consumers: low gas prices. But now, with the economy showing signs of improvement, fuel prices are climbing, and drivers are starting to budget their intake at the pump.
To find the cheapest gas prices, compare prices at stations near your home or along your commute. Price-comparison web sites like gasbuddy.com and billshrink.com let you plug in your daily destinations to find the most affordable gas stations on those roads.
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Consumerist.com
While browsing one of my favorite websites, thesimpledollar.com, I found another great consumer related site that I think is worth passing on to you. It's consumerist.com . The Consumerist is a blog run by Consumers Union, the folks behind Consumer Reports. It focuses directly on consumer issues, which means that it often calls out poor customer service from companies, faulty products, and so forth, mixed in with some great advice on saving money and making good buying choices. This is a blog site, so you will find some days, it could be flooded with posts. If you have some time though, it may be worth skimming over and looking for useful tools that will have you spending less and buying quality items.
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Portion Control
Let's talk about portion control and how it can save your waistline and your wallet. Most American parents serve themselves and their children huge portions of food. Their families eat only part of it, and then they discard the rest. Next time you scrape those half eaten plates of food into the trash, think about this: 30% to 50% of the food and drinks we buy gets thrown away. That's at the dinner table as well as in a restaurant. If you don't believe it's true, observe your own family this week. Take note of how much is wasted. That's money out of your wallet. If you feel like you HAVE to clean your plate, put less on to begin with and you may just shed a pound and a gain a dollar.
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Energy in the Kitchen
October 28
We're always looking for ways to cut back on our energy use. Here's two ideas for the kitchen. First, the microwave oven is much more energy efficient than the stove, often using 75 percent less energy for the same task. Use your microwave for tasks such as boing water, steaming and browning vegetables, cooking rice and other water-intensive applications. AND - whenever you open the door on your oven, as much as 25 percent of the heat inside is lost and a significant amount of energy is used building that heat again. Instead, use a meat thermometer and turn on the oven light. That way, you can look through the glass on your oven and inspect your food without opening the door.
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Ramen Noodles
One quick way to start saving serious money in the kitchen is by learning how to cook inexpensive staple foods. Ramen noodles are by far one of the cheapest food items in the grocery store (around 15 cents per package), and extremely versatile. You can use this budget stretcher in almost any dish to cut down on cost, and stretch the other ingredients further. Other inexpensive staple foods: fresh vegetables and fruit in season, eggs, pasta, tuna, and oatmeal are all inexpensive places to start.
Speaking of Ramen noodles, I found Ramen noodle recipes :
Beef flavored 4 bean ramen salad
Ingredients
1 package Beef flavor ramen noodles
1/2 cup green beans
1/2 cup kidney beans
1/2 cup white beans
1/2 cup lima beans
1/4-1/2 cup Italian dressing
Directions
Cook the ramen according to package directions. Set flavor packet aside.
Add prepared bean mix. Add flavor packet and dressing. Let chill in
refrigerator 1-2 hours before serving.
Ramen'n' Broccoli stir-fry
Ingredients
1 package ramen
1 can cream of mushroom soup
1/2 regular sized package egg noodles
1 head broccoli, or 1 package frozen broccoli (cooked)
1 medium onion
1 cup shredded cheese
1 cup french fried onions (optional)
Directions
Preheat oven to 375 degrees. Prepare ramen as package directions advise,
but drain and do not add flavor packet. Cook egg noodles. Dice broccoli
and onions. Mix soup mix with prepared ramen and add flavor packet and set
aside. In an oven-safe casserole dish layer in the following order:
vegetable mix, shredded cheese, egg noodles, cheese. Bake for 30 minutes.
After 30 minutes, add the ramen/soup mixture (and french-fried onions) and
bake an additional 5 minutes.
Let cool before serving.
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Book Swaps
I've told you in the past about website you can use to swap out DVDs and CDs. I recently realized there's a lot of peope who trade books too. If you love to read, you can always save money at the library. But if you have a large selection of your own books, you may want to go to the world wide web. I found three book swap web sites for you:
paperbackswap.com , TitleTrader.com , and Bookins.com
... basically, readers trade in titles on their bookshelves for others they'd like to read. After listing a few titles, users will get credit for each one another member requests. (They'll also typically get a few credits for joining.) Credits can be redeemed for other books on the site. Depending on the site, users will pay shipping to send or receive a book, but not both.
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Ceiling Fans
The seasons are changing, the weather is getting colder. It's time to change the direction of your ceiling fan. Ceiling fans are great tools for reducing energy use in every season, but you have to be a bit clever to maiximize their value.
Air circulation can make the room feel as much as 8 degrees warmer or cooler, and combined with a temperature adjustment strategy can save you a bundle on your heating (or cooling) bill.
As I'm sure you know, heat rises...so all the warmth is close to the ceiling .. In the colder months, set the fan to run in a clockwise direction, which pulls the warm air from the ceiling and pushes it down toward the floor.
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On Line eye glasses
I received this email from Kathy, and thought I'd pass it on for today's On The Money...
Dear Tracy,
A few weeks ago I came across a great web site to get prescription eye glasses at a great price. With a family that all need glasses it can get really expensive.... The web site is eyebuydirect.com I first ordered my glasses about a month ago for $60.00 plus $20.00 for rush shipping. I received my glasses in about two weeks, and they were much nicer than I thought. They fit really well and needed no adjustments. So a few weeks ago I order glasses for my son. Again only costing $60.00. They were of really good quality and fit him really well.
The website was very informative and walked you through the process step by step and they had a great selection of frames, including some designer styles and sunglasses. They do offer all the extras, including bifocals...
Kathy says, She did have trouble with one measurement, but was able to get it for free at a local department store.
Thanks Kathy!
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Candy
I live in one of those neighborhoods that seems to attract everyone for Halloween, and most years I hand out 600 pieces of candy or more. Of course, there are 300 homes in my development and I love having so many kids. But trick or treat can break me. But this year, I'm looking for ways to save some cash. A one-pound bag of Tootsie Rolls costs about five dollars at a drugstore. On amazon.com, a five pound bag is $15. That's like gettig two pounds free. Two other website to consider buying candy... candywarehouse.com or orientaltrading.com ... Just make sure you order in time.. Manchester trick or treats Sunday October 25th.
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Online Budgeting
We used to be so carefree with our money; now we watch every dime. In the past two years, 2 million Americans have started playing accountant with a new breed of Web site that offers a complete view of your finances. These free sites track expenses, kind of maintain your budget for you.. smartmoney.com has chosen a couple of sites that you may want to check...
wesabe.com -If you want advice and support, Wesabe.com offers plenty. The site encourages users to pool their wisdom, and it works. When Smartmoney posted questions about building credit and buying a car, Wesabe members gave eight helpful, accurate responses within 24 hours.
quickenonline.com - The site offers habitual check bouncers a simple tool for keeping themselves in line. Based on an automated analysis of previous transactions, it forecasts cash flow over the next two pay periods. It might calculate, for example, that you have $3,800 in upcoming bills and $4,500 in your account until your next paycheck. A chart displays upcoming transactions, and an alert system warns if you're living beyond your means.
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Buxx card
School has been back in session a little over a month now. For those of you with kids in college, how are their bank accounts holding up? Are they spending more than you thought they would? You may want to consider a prepaid credit card. The credit card is a Visa Buxx card. Not a bad idea, deposit $250 and that's all they have to spend. You can also log in and monitor your student's spending online. There are other prepaid cards out there, just do a little research on line at cardratings.com... This will also teach your teen how to use and respect plastic, without the chance of big mistakes.
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Energy Efficiency and Renewable energy
Many homes, especially older ones, lose energy to the outdoors almost constantly because of drafts and other air leaks. Blasting cool air outside during the summer, or warm air outside during the winter, can be a significant energy cost. The U.S. Department of Energy states that two simple steps for air-sealing your home, caulking and weather-stripping, will pay for themselves within a year, leaving you with substantial energy savings for years. Visit the Department of Energy's Energy Efficiency and Renewable energy site to find out more, including a guide to caulking and weather-stripping your home. You can find this information at more ideas online at eere.energy.gov/consumer
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Life Magazine
10/7
They say if you want a new idea, read an old book. Well, the same probably also holds true for old magazines. This week, Google Books announced they have added over 1,800 issues of Life Magazine. Life chronicled American life from 1936 to 1972 and generated great fame and interest for its stories and its iconic photography.
Google Books now features dozens of magazines that you can browse for free online, saving you a trip to the library. It's also a great resource for children working on school reports, as they can easily visit Google Books to find source materials for their reports. books.google.com
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Cheap Wine
10/8
During the boom, California producers boosted prices on luxury wines more than some vintners elsewhere. But with high-end wine sales down and 2007 cabernets hitting stores now, merchants are knocking 20% to 40% off the retail price of '05 bottles.
The strategy: Ask your local merchant about deals on wines from small family-owned producers. They're most likely to cut prices.
Save even more: Find the best deals among thousands of retailers at snooth.com and wine-searcher.com. Most states allow wine shipments to consumers, but check the seller's website for details.
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Free Disney Passes
Disney announced on Good Morning America recently that if you spend a day volunteering with a participating organization, then starting on January 1, 2010 you can get a free one day admission to Disney. They haven't released a list of the participating groups yet, but if you think you might want to take part in the offer, they suggest signing up for email alerts from disney parks which will let you know when pre-registration starts since ticket quantities are limited.
A maximum of 8 family member can participate and children must be at least 6 years old to qualify. So you could theoretically get a free day of admission for the entire family during your next vacation. Not too shabby!
disneyparks.disney.go.com
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September 11
Here is some food for thought: According to a recent Yahoo!Finance article, "in the United States, 43% of families are spending more than they earn each year." This is slowly starting to change as more Americans begin to modify their spending habits. Here's a couple of things to keep in mind, which could save you some money :
-U.S. banks are set to earn $38.5 billion this year from overdraft fees alone...." which means it is critical that you stay on top of your finances to avoid the overdraft fees and finance charges that are making the banks more money.
Set email alerts that notify you when your balance is low or send reminders when your bill is due.
-Watch your fees.. This applies to bank accounts and credit card accounts. Make sure to read the fine print regarding your "free" bank account, which may require a minimum balance or monthly direct deposits.
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September 8
Consumers have more than 100 shopping days left until Christmas, but retailers are already angling to secure a chunk of your holiday budget. There's no question that the economy has forced retailers of all sizes to get more creative than they have before.
Several retailers are experimenting with programs that offer rewards tied to your fall spending. The idea is to get you spending in stores now and committed to more spending closer to the holidays.
Macy's: Members of Macy's Star Rewards program can enroll in the Thanks for Sharing program for $25, of which $10 goes to charities, including Make-A-Wish Foundation and March of Dimes. In exchange, shoppers receive a 10% rebate on purchases made Sept. 19 through Dec. 31.
Sears: Sign up for the Christmas Club program before Oct. 31, and then add cash to your card. The retailers will award a 3% rebate (up to $100) based on the value of your account on Nov. 14. The card can be used at Sears, Kmart, Lands End, The Great Indoors and MyGofer.com.
For more information, log on to smartmoney.com
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September 4
Everybody knows that store brand foods, pasta, canned veggies, cookies, condiments, whateverare cheaper than the national brands. The assumption is that the national brands taste better. Consumer Reports says they don't. the October issue of the magazine puts store brands in head-to-head competitions with national brands, using trained taste-testers to decide when --if ever-- it's worthwhile to pay more. The conclusion: Switching to store brands can be a painless way to cut your grocery bill.
In blind tests, trained testers compared 29 food categories. Stores and national brands tasted about equally good 19 times. The national brands won six times, while the store brands won four times.
The store brand foods Consumer Reports tested cost an average of 27 percent less than their name brand counterparts.
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September 2
Early September means back to school. We've talked about the price of school clothes and supplies, but what about the cost of books for college students? Why buy? Did you know college students can easily pay over $700 for their text books? Often times, the college book store doesn't have what you need, either. I have a solution. Buy used books on line. Better yet, how about renting the book from chegg.com There is also cengage.com, not only do they rent books, they also provide electronic files. Whether you buy used, rent or share, it'll save you hundreds of dollars.
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