How to Save Money or Pinch a Penny

Ways to Save Money in this Economic Crunch during 2011

admin — Thu, 30 Jun 2011 17:49:59 +0000

I’m in the US but everywhere on this planet, men and women are seeing and feeling the crunch of these current times. They say, History Repeats itself and so it is… We are experiencing an economic crunch such as in the 30’s depression and the shortage of oil in the 70’s. All over the world our quality of life is relentlessly affecting us in a barrage of forms.

But the Times will Change and The Economy will too.

We can depend on change as it always comes…The economy is in transition constantly. It is like the saying, “What goes up must come down”. If we could just leave out the down part of the transition we wouldn’t have to tighten up our financial belt so much. But if we make good plans and use a budget we can and will survive these ups and downs of the economy.

But it is so hard to learn how to save money and pinch our pennies. We will see that it is essential to learn and find a way to stay within our budget. Whatever our budget might be, there are many ways to reach our goals or learn how to budget better. Here are a few ways we can accomplish our goals and there just might be something that we can do to improve on.

If you have not already done so then set up a budget.
Track your spending for a couple months to see if you can adjust your spending habits.
Shop sales and cut coupons then use the coupons with the sales whenever possible
Shop stores that have bonus programs.
Shop online and utilize free shipping to save gas.
Make choices on what you can go without by separating essentials from non-essentials.
Buy products based on quality not necessarily on brand name. Read Reviews whenever they are available.
Shop at stores the same way. What is the benefit to shopping in a Designer store like Macy’s when you can save money by shopping hundreds of other stores that are lower priced?
At Home, make things from scratch when you can like pancakes.
Plant a small garden or grow some vegetable plants in a bucket or pot.
Do your best Not to eat out in restaurants or fast food places.

There are many ways to save money and keep within a budget if we use just a few of them it can make the difference. We can then afford to treat ourselves for sticking to our goals. But keep things reasonable and don’t mess up what you have accomplished.

But this is not doomsday and it is Not the End of the World

Times Change that is certain as do our lifestyles. We must learn what to do and learn to cope and then just do it. We share this world and it is our responsibility to aim for the best for ourselves and our loved ones.

Keep seeking ways to improve your habits and turn your savings into a lifestyle so you can enjoy long-term results that will see you through the crunches in your life and our economic ups and downs.

Here is tip How to Save Money this Month

admin — Thu, 19 Mar 2009 21:16:59 +0000

So what can You Pinch a Penny in March?

Try this…
Want to make some Home Improvements before summer sets in?

A lot of building contractors are willing to negotiate their prices to save the homeowner money this time of the year. I have family members that have building for years and it is just traditionally slow around March.

As you get into negotiations on the work to be done please consider the weather is fickle this time of the year and that it can alter remodeling and building schedules. So, be sure to inform the contractor that you are quite wiling to be flexible.

You could save money on the cost of the remodel or building I would estimate at about 10 percent to 25 percent with good communications and flexibility.

Maybe you could even get them to just do the stuff that you can’t and say hey I’ll do that part. Never know…

If you give things a little there are more ways to save a buck than you might give regular thought to…

Now if we can just think of more ways to save money gasoline.

Technorati Tags: pinch a penny, save a buck, Save Money this Month

So what can You Pinch a Penny on this Month

admin — Thu, 19 Feb 2009 06:00:59 +0000

You can save money in February
Here is how…

Go shopping for that laptop or desktop computer this month.
Why?
After the holidays many of the best deals can be found or negotiated now since the stores and sales people need to sell merchandise more than you need to buy it.

But word of warning, don’t be talked into overspending by the store clerk. You might want a lot of goodies for that super fast shiny new computer but you are out to save a buck here. So pinch those pennies if you don’t need the extra stuff. Keep it simple and get that cheap laptop. Maybe even buy a cheap laptop online and save that money.

Technorati Tags: cheap laptop online, save money, save money in February

Save on Memory today

admin — Fri, 13 Feb 2009 05:00:59 +0000

Someone was asking me about cheap laptops and cheap memory online the other day so I thought I would put this information up for pc computer memory upgrades.

Hope it helps.

Get Your computer memory upgrade here:

Technorati Tags: computer memory, Save on Memory

Pinch a Buck save a penny Valentines Day celebrated under Twenty Bucks

admin — Thu, 05 Feb 2009 06:00:59 +0000

These days many people need to think cheap or ummm Cheap Date.
Sorry, The economy got to me.

Anyway thinking save money these days, even for Valentines Day, isn’t such a bad idea.
In fact, some people might be thinking that spending say over $20 dollars these days for Valentines is rather an offense of some kind.

So now what?

Well here are some Valentines Day Ideas for Dates that will be worth their weight in gold without costing you a fortune.

So here we go…

Can you write?
Instead of the normal Valentine’s poem try writing a letter, poem or sweet nothing every day for a week for your beloved Valentine. Tell your sweetie what is best about them that day.

How about a coffee mocha chocolate something date.
Find a coffee shop that entertains with maybe live music. Might have to get tickets but they will be cheap unlike a rock concert or opera and such.
Think a bit about where you could get live entertainment or music that you would both enjoy for under twenty. Sure beats the price of a ticket to a concert for a famous group.

Ok dinner.
Get all fired up and romantic with a wonderful outdoor picnic somewhere beautiful and scenic. Maybe do this toward evening so you can see some shooting stars.

Want to stay at home well…how about dinner and a movie…no let’s change that to wine, popcorn and a movie-a-thon. Rent some movies, pop some corn, drink some good wine. Who needs a theater.
Save bucks here especially if you prepare and have something like a netflix account or Blockbuster.

Now want to go hunting.
Yuck for Valentines?
No no no…
Treasure hunting…have your Valentine search in some special or favorite places. Leave a clue in each spot about what they will get.

You can do this anywhere just use some imagination. At the last clue, after all the treasure searching is done…give your sweety a gift that won’t be forgotten.

For a little variation…leave some pieces to the gift or additions to the gift along the way. Of course, where you do this treasure hunt will determine what is possible.

Not that creative?
Try going skating or bowling. Take some kind of lessons together that you both would enjoy.

Like to dance? Even a little? Take some dancing lessons. Get all hot and salsy.

Go do some sight seeing or window shopping. Most people don’t have enough conversation time why not take some quality time on Valentines to cruise, look, talk, and listen.
Look at old antiques, look at rich peoples houses, look at beautiful architecture, look at beautiful scenery…skies the limit here.

Want something a bit more thrilling than window shopping and gazing about then maybe some kind of Art or Bluegrass Festival is up your ally. Check out the local festivals or one within a fair driving range.

Want a great outdoor adventure. Well maybe not that much of an adventure but with the cold weather I’m sure it would be an experience. What is it you say?
Go Camping. For the day or overnight. Lookup local campgrounds. One that is popular KOA.

Ok back to the festival stuff. Try something similar like a wine festival but if that costs too much try some wine tasting at a local wine store. Some ABC or liquor stores do this regualrly.

The warm tingly from all the wine usually can enhance conversation between to valentines. So yes this can be romantic.

Want to have Valentines with more than your sweetheart. What you don’t have one but want to have Valentines with friends.

Well try this:

Each friend have something planned. As in cooked up, ready to drink, play, ready to eat or do or consume.
Then start at friend number ones location …Now this house hopping includes all of you!
Then on to the next house and so on.

Meaning have a progression of say a drink and music and friendly chatter at first house then at the next Valentine friend’s house have a snack or an appetizer. Get the idea now? Yup. Cool

So then, the next friend would have another part of the meal. Last place would be hangout etc..

Could have all the meal, goodies, whatever – in total be under twenty…or each of you spend no more than $20 bucks. Think about how good of a meal and fun time that could be for all of You.

Okay, I’m numb now…no more to add at the moment.
Hope this gives you some Valentine’s date ideas that you can use and treasure for less than twenty bucks.

Technorati Tags: Holidays and Special Days, Valentine's date ideas, Valentines Day, Valentines Day celebrated under Twenty Bucks

You can Save Money Everyday

admin — Tue, 06 Jan 2009 21:21:35 +0000

Here is a way to save money in the month of January

Check with gyms this time of the year as often it is a slow period for them in January.
It is possible especially with the economy currently to find a sale anyway but still January is a good time to get reduced memberships fees or some extra benefits in the same price range.

But you have to ask first or I’m sure they will happily take you at full price too.
Save money at a gym today. Believe it because you can find many ways to save that you might not think of that will help you to pinch a penny.

Technorati Tags: pinch a penny, save money

Best Cyber Monday Deals for You to explore and Shop

admin — Mon, 01 Dec 2008 20:15:13 +0000

Cyber Monday Deals for You
Here a many cybermonday ads and deals for you. They are ready and waiting for you to do your online shopping Monday from the very comfort of your office desk or cubicle. Ummm, did I say something about work. Oh, I mean from home of course. Cyber shopping this Monday will last all day.

I have searched and wondered all over to find you these best online deals for Cybermonday. This occasion is a big marketing program sponsored by NRF otherwise known as the National Retail Federation.

So let us participate in this ceremonial kick off of the cyber shopping season online.

And without further ado I’m going to save you a lot of time and trouble; Because I have put together a list of monday cyber deals featuring the best online deals on a number of items. I’ll add to it as I can and next year remember to check back later as this site is growing.

So Here We go:

Amazon Deals

This company has been offering Black friday deals even unto today. They rolled Black Friday right into Cyber Monday shopping.

Canon ImageCLASS MF4350d Laser All-in-One Printer (2711B001AA) click here

List Price:     $249.00
Price:     $169.00 & this item ships for FREE with Super Saver Shipping.
You Save:     $80.00 (32%)
it’s at least $30 below the best price elsewhere online.

Blu-ray discs a lot of them for less than $20.00

Cyber Monday Blu-Ray Discs deals

Since Amazon is still running Black Friday on Cyber Monday then

Click here for Black Friday Monday Deals

Digital Camera Deal bundles the Pentax K2000 Digital SLR Camera with 3 free digital camera accessories

Pentax K2000 10.2MP Digital SLR Camera Sale Click Here

Western Digital WD3000GLFS 10K 3.5-Inch 300GB SATA Velociraptor Hard Drive

Free Gift Free vase with “Holiday Rose” order

Love is a rose has really unique gifts in gold, platinum, and silver roses as well as exclusive anniversary products including Special Occasion Remembrance Boxes. Most products are shipped the same day you order. They have been in business for 35 years. Today you can get a Free Vase.
Love is a rose has a deal specifically for Black Friday/Cyber Monday. Starts on 11/1/08 and ends on 12/1/08
Use Coupon Code: THL
Free vase with “Holiday Rose” order

Free shipping for all gifts and sets of Beauty use link below:
Clarins has a deal specifically for Black Friday/Cyber Monday. Free Shipping offer starts on 11/15/08 and ends on 12/31/08. Nice
Coupon Code: HOLIDAYFS
Free shipping for all gifts and sets

Memories Across Miles will let you Receive 75% off everything in the store: scrapbook albums, tools, stickers, rub-ons, paper, QuicKutz, Cuttlebug, Sizzix and so much more! Everything you need to create handmade gifts and cards this holiday season.
Memories Across Miles has a deal specifically for Black Friday/Cyber Monday. Starts on 11/27/08 and ends on 12/1/08
Use Coupon Code: AF75ALL
Receive 75% off everything in the store at Memories across Miles

Free UPS shipping on all i-supplements orders under 10 pounds use link below:
i-supplements has a deal specifically for Black Friday/Cyber Monday. Free Shipping offer starts on 11/29/08 and ends on 12/1/08
Use Coupon Code: SHIPFREE50
Free UPS shipping on all i-supplements orders under 10 pounds

Black Friday -Free Box of ISOFLEX bars all orders over $150
Esource has a deal for Black Friday and Cyber Monday All orders over $150
Get a free box of ISOFLEX Bars ($29.99 value!)+ Free T-shirt + Free Shipping + Free Protein Shaker Cup
11/28/2008 until 12/01/2008
Use Coupon Code: (No Coupon Needed)
CyberMonday -Free Box of ISOFLEX bars all orders over $150

Go green and organic with 25% off any purchase at Nimli
Nimli is devoted to providing natural, organic, and sustainable lifestyle products while embracing style and aesthetic. Nimli offers clothing, accessories, home décor, beauty products and much more from independent designers who combine their effortless creativity with our environmentally conscious ethics.
Nimli has a deal specifically for Black Friday/Cyber Monday. Starts on 11/27/08 and ends on 12/1/08
Use Coupon Code: CYBERMONDAY08
Go green and organic with 25% off any purchase at Nimli

Tiger Direct

Best Deals of the Week at TigerDirect – Limited Time Only!

TigerDirect Exclusive Deals! Limited Time Offers! Act Now And Save!

ok Time to take care of the house and kids ran out of time for more deals for today on this one

Happy Holidays and Enjoy!

Technorati Tags: Best Cyber Monday Deals, best online deals, Black Friday, cyber monday, cyber shopping, cybermonday, online shopping, online shopping monday, Thanksgiving

Cyber Monday Deals Specials and information

admin — Mon, 01 Dec 2008 19:13:39 +0000

Cyber Monday is Here
Well, guess what Black Friday is over or is it?
Okay, You didn’t want to deal with the Black Friday Crowds or you missed out on that item you wanted. Well, all is not lost I have good news for you. You won’t even have to get trampled to do this. All you have to do is start your computer or log on to the internet somewhere and shop.

It’s is Cyber Monday and there are many deals and bargains
Just the same idea as those door buster great deals offered for Black Friday Ads you can get some black monday deals but for a limited time or quantity. Limited because these cybermonday ads are often good at only certain times of the day or by the hour. Hey but this goes on until after bedtime.

But I’m will help you with your cyber shopping because I’m going to save you shopping time today and in the future by helping you with your online shopping monday and however long this lasts every year. You won’t need to spend money on gas or wear your shoe leather out. So relax with your tea or coffee and get ready to shop.

I’m going to save you a lot of effort and trouble
I’ve put together a best online deals list on a number of items.

So check out this site for your Cyber Monday Deals and Ads

Cyber Monday $26 (reg. $34.95) – NEKFIT iPod holder plus 4G Crystal Clear Case – no more dangling wires and more

Technorati Tags: black monday deals, cyber shopping, cybermonday deals, online shopping monday

What are Cyber Monday Deals?

admin — Sun, 30 Nov 2008 06:00:59 +0000

Cyber Monday
Today is like Black Friday and some do call this Black Monday. Cyber Monday is rung in on a Monday and is the very 1st day to bring in the workweek after the four day long Thanksgiving Holiday.

It is Time
It is known for people firing up the old pc and hitting the best online deals for the shopping season. It is Bargain hunters cyber shopping day to the max. With black monday deals online shopping is done in your jammies if you want. Just point a click the best deals to your hearts content.

Cyber Monday will likely run with participating retailers until 10 pm and some will continue into the week. And do get busy since some supplies are limited. This day has been noted since back in 2004 that there is over a 70% increase in online shopping monday after Thanksgiving.

And you can be sure that many great deals are available online today – CyberMonday

Are you patriotic?
The economy is depending on people to spend money by about 70%. But of course you should not put yourself in harms way by overspending. But what you spend is related to patriotism.

Check out the best cyber Monday deals page on this site for ads to do your cyber shopping.

Cyber Monday deals click here

Technorati Tags: best online deals, Black Friday, black monday deals, cyber monday, Cyber Monday Deals, online shopping

Black Friday at Amazon all week

admin — Tue, 25 Nov 2008 21:01:51 +0000

Black Friday all week long
You don’t have to wait for the day after Thanksgiving sale to get Black Friday prices.
Amazon has a sale running for Black Friday holiday sales All Week Long. You won’t have to drive anywhere to try to find a parking space just type away.

Just shop at amazon all week long and find awesome deals for black Friday shopping.

Like for the deals on:

Electronics
Books
550 DVDs and Blu-ray Discs
Winter Apparel
Holiday gift basics

But hurry because each one is a limited-time offer.

Click Here for Amazon:

Click Here for Amazon Black Friday Deals

About Amazon
Amazon is great just like the Rainforest; Umm oh well my humor.
A very customer oriented company that does it best to discover and find great deals for you. Best part - you can buy online and have shipped to your door.

Prices
They try to provide items at the lowest possible prices all year round.

Technorati Tags: after Thanksgiving sale, Amazon deals, Black Friday, black friday shopping