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Jan 7, 2013 8:16AM
Dec 31, 2012 12:26PM
Maybe you should try telling Mr. Bojangles and his boys in DC about these secrets. Listened to him yesterday morning saying how cutting spending won't help the deficit. His idea of saving is to hire a few thousand more govment workers and give them raises. Every last one of those fools should be held accountable.
Jan 7, 2013 12:45AM
I figured that I spent $600/year Starbucks. Now i buy coffee beans and grind my own and make my oown coffee. Cmes out to about $160/year. I buy a 20 oz. bag of whole bean coffeeat World Market for $9.99. I shopped for betterphone deals. Dropped Time Warner. Cook a lot more of my own meals. There a lot of ways to save.
Jan 7, 2013 8:58AM
If you really wanted to save some $, you missed your chance; it was called the ELECTION last NOV. You could 've looked at the overall economic picture and voted for politicians who know how to pass a budget, create business friendly private sector job environment so 47 million people don't have to go on food stamps. Instead you voted for politicians who raised your social security taxes, the medical device tax, the death tax, the marriage penalty tax, so much for not raising taxes on the middle class. People deserve to lose their $, you voted for this.
Jan 7, 2013 8:12AM
Jan 6, 2013 9:46PM
Jan 7, 2013 8:04AM
401k is a joke the days of retiring on a 401k are over the only people making money on them are the ones trading your money .it seems it takes months and months to build up some money in your account then two major drops in the stock market erases it and then some. Where can i put put my money and earn a guaranteed 3 % with no chance of some thief taking it?
Jan 6, 2013 6:44PM
One of the best pieces of philosophy I ever read goes as follows: "The best way to handle the future is to be efficient in the now." You have to constantly be present to efficiency when it comes to economics (this doesn't apply to lovemaking). Another good piece of philosophy: "There are no immortality schemes." In other words you are not going to avoid death no matter how much debt you get into or how many material things you have or aspire to have. Finally, "Accept what comes to you woven in the pattern of your destiny for what else can more aptly fulfill your needs." One more, "Want what you have instead of having what you want." Just one more: Gibrand: "The difference between the richest man in the world and the poorest man in the world is an hour of thirst and a day of hunger."
This isn't meant to be interpreted as sit back and do nothing. One aspect of these philosophies is to develop a genuine appreciation for what is available to all of us. Read Eckhart Tolle's The Power of Now and Tony Bennett's, Life is a Gift."
Jan 7, 2013 10:02AM
Please don't forget the idea about making an extra payment each year on your mortgage. You know most of us could get some stuff out of the attic and basement and sell it and then put it towards this payment!
It will save you quite a lot of money in the long run and it is guaranteed to work. If you don't have a mortgage put it for retirement, it will still be guaranteed!
Jan 6, 2013 11:23PM
Jan 7, 2013 10:33AM
Jan 6, 2013 11:32PM
Jan 6, 2013 11:56PM
Most of the retailers and Manufacturers are charging 100's of percentage in profits by having the stuff made in China so it is best to wait as the prices will go way down like sugar did when it was boycotted back decades ago.
It's time to send a message since the wages are being pused downwards by CEO's here in America. Hell even the CEO's of American Manufacturers are pushing to destroy good wage jobs which os the primary people who use the products that are produced by that greddy CEO!
It simply shows just how stupid those people truly are. They are trying to get rid of their customers and eventually they will be out of a job but of course with a golden parachute reward for their clear stupidity! Time to wake up and smell the coffee.
Get rid of the greed and watch the economy grow! The only Company that gets it is COSTCO and they are a very successful Company for that matter!!!! Hang on until they get desperate for your dollar then get a real big bang for your buck!
Jan 7, 2013 9:18AM
Jan 7, 2013 9:10AM
Jan 7, 2013 9:44AM
I dumped Regions when they charged the $4 Debit Card Fee. I went with a small town bank that offered the most services and features. I could not be happier. I walk in the door and they know my name.
I have been using FFL lights for several years now. They still cost more than incandescents, but they have come down in price. I dropped my power bill by a good $40 a month.
I have been using FFL lights for several years now. They still cost more than incandescents, but they have come down in price. I dropped my power bill by a good $40 a month.
Jan 7, 2013 10:34AM
If you want to be New Aged, download the Mint Application (or similar app) to your phone. It will tell you what you're spending the most money on and give you a few tips to save better. I discovered I was wasting $200 of my paycheck on snacks. I've since cut down on snacks and began making my lunch at home. It's since saved me $225 per pay check. That's ALOT for a college student.
Jan 7, 2013 6:15AM
Why wait for each month for the savings, I would do all of them in Jan.
The companies 401K option alone would save you at least an additional $250 of company match. Starting savings now means you don't have to save as much later in the year. Start saving earlier only makes since, and ususally dollars, in your pocket.
Jan 7, 2013 2:28PM
Seriously, young people struggling to stay afloat, and especially people with kids, need to talk to a parent or grandparent who went through the great depression. Those people were forced to be frugal and even when things got relatively better, they still stayed frugal for the next financial drop. A great rule is if you buy it pay cash (if you need it). Put the plastic away. Educate yourself 12 months a year on good financial discipline, not 1 a month. Don't replace things that are still working, resist fads. The very best thing you can give your children is your time. A trip to the park or playground or a walk in the woods etc. is far more memorable than having them sit on a couch playing with electronic toys.
Jan 7, 2013 12:00PM
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