vendredi 27 avril 2012

4/27/12: Dollar Stretcher Tips

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Dollar Stretcher Tips

"Living Better...For Less"
April 27, 2012
Volume 14, Number 34

 



Free Mulch

Be sure to find out if your town offers free mulch. We've made at least four trips to fill two garbage cans at a time, but it's worth it. My gardens and bushes look nicer, and the mulch helps the soil.
Margie


Order Contacts Online - Free Shipping


Why I Go To The Mall

Going to the mall? If you go to the malls to shop, you are spending way too much money. I go to the malls to get ideas on how to put my outfits together, tips for decorating my home, makeup tips, and free samples.

Yesterday, we went on a shopping excursion. We ate our lunch first and brought along water to drink. We proceeded to check out the stores. We first looked at the regular price racks and then went to the sales and clearance racks at the stores. It's fun to look, but it's more fun to save money.
D.


Natural Facial Mask

The cheapest and best facial mask I have ever come up with is oatmeal processed to a powder in the blender mixed with either skim milk or, if you are trying to fade spots, lemon juice. It really works well for me, and I have dry skin.
Jan

Additional Dollar Stretcher Resource: More on homemade facial masks


Save on all the things you love to do!


Before You Close On That Home...

Here's something that just caught my parents by surprise after purchasing their new home. If the house has a septic tank/field, have the seller of the home empty the tank. This can save you hundreds of dollars in removal of the waste and in landscaping fees if the previous owners didn't take care of the tank properly.
Dawn N.


editor's note: For additional weekly tips, please click here.


What would you do with an extra $100? Each month we'll randomly pick one of the tips we used in our publications to win a $100. This month it could be you. Just send your suggestion to Tips@stretcher.com.

Recent winners are:

  • Janet from MO
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  • Denise of Floral City, FL
  • Drusilla from OR

If we use your tip in any of our publications, we'll send you the next three issues of our print newsletter as a "thank you" and you'll automatically be entered into our monthly $100 drawing!

More on TDS

Money

7 solid ways you can save $1,000 in a year
Saving money can be easy. These 7 tips can help you save $1,000 in 12 months or less.

Declutter financial files, and organize your life
Whether you use a traditional or electronic filing system, follow these tips to get organized.

What to do when an ATM makes a money mistake
ATMs don't often make errors. When they do, here is what to do to protect yourself.

Need cash quick? Avoid these 6 traps
Looking for fast money? Dodge financial ruin by reading this. You must act now!

How to combat 'financial cyberchondria'
If your finances are floundering or your credit score is crashing, Twitter and Facebook could be to blame.

Want to day trade? It's easy -- to screw up
Don't go into day trading blindly because it can be easier to make mistakes than profits.

To be a day trader, you must know the lingo
If you want to get into day trading, here's a glossary of terms you'll need to understand.

How to account for business loss
If you use the cash-basis method of accounting, you can't incur a loss for an uncollected account.

Financial literacy survey shows consumers lack basic money skills
A new financial literacy survey reveals a "disturbing" lack of knowledge pertaining to personal finance among U.S. adults.

The truth about 7 common credit report myths
Credit bureau experts detail the most common misconceptions consumers have about their credit reports and clarify them.

Pros and cons of brokerage checking accounts
Some brokerages offer checking to their investing clients. Are they better than a bank's?

5 costs on the rise and how to beat them
Oil prices will drive up the costs of several items. Learn to save money as prices increase.

Is the economy rebounding? Video
Are you feeling a bit more optimistic about the economy recovering?

Why investors put up with rock-bottom CD yields
At today's yields, why stick with a CD? For some investors, it's for their own protection.

Stop job costs from sucking up your salary
Nice lunches, fancy threads: Having a job costs money. Here's how to take more of it home.

Find a new home for IRA from previous employer?
Don't let that money just sit there. Check out your options for a previous employer's IRA.

The lost decade -- bust to investors or not?
Did the stock market experience a "lost decade" from 2000 to '09? Yes and no; it depends on how you invested.

Delay homebuying to work on credit score?
So your credit's not great. Don't assume you should sit on the housing market's sidelines.

Is airport lounge access worth a new credit card?
A newbie business traveler questions the value of airport lounge access if she decides to apply for a new frequent flier credit card.

Taxes

Interest-only mortgage worth the deduction?
The interest may be too high a price for the tax write-offs from an interest-only mortgage.

Ask IRS to forgive taxes on forgiven debt
File an Offer in Compromise, saying you doubt you're liable for the tax from the forgiven debt.

How to prepare for a tax audit
You got that dreaded Internal Revenue Service letter? Don't panic, just prepare.

Tax record-keeping tips
Don't drown under tons of old tax forms. Here are the best ways to organize your records.

Tax bill too big? IRS offers payment options
Can't come up with the cash to pay tomorrow's tax bill? IRS takes your money in different ways.

Critical

Make sure fiance's bankruptcy won't affect you
Getting hitched? Here's how to make sure your hubby-to-be's bad credit won't be married to you.

Proper piggybacking: The good credit person adds an authorized user
Having the bad credit person add the good credit person as an authorized user won't help -- and could hurt.

How do I get a grip on my credit card debt?
When credit card bills have you swamped, help and planning can keep you from sinking.

Why isn't credit repair fixing my problems?
A credit repair service may be a waste of money when you're facing debt difficulties.

Home & Auto

Remodel home for less with junkyard gems
Home remodeling can cost a lot. Save a bundle of money by using reclaimed materials.

5 red flags that signal a used car-buying scam
Don't get suckered on a used-car purchase. Follow these road signs to a legit deal.

How to sell a home when there's a tenant in it
You want to sell your house without disrupting the renters' lives. Here's how.

3 simple steps to having a frugally cool summer
You can do a lot yourself, cheaply, to reduce the hot air coming in and stop the cool air from going out.

What to do when home appraisal comes in low
The bank's appraisal was for $20,000 less than the purchase price. What are the options?

What you need to know about HARP 2.0 refinancing
If your mortgage is deeply underwater, HARP 2.0 could offer a chance to refinance.

5 mortgage and housing trends in spring 2012
Mortgage fees are rising, and competition for houses is heating up as the weather warms.

Rising rents Video
Rental rates are rising in the U.S. Should you consider homeownership instead?

Factors that influence your refinance rate
Can't refinance your mortgage at the advertised rate? See which factors govern a refi deal.

5 steps to cutting a big car repair bill
Major car repair work can cost hundreds of dollars. Taking these steps may save you cash.

5 dirt-cheap home staging ideas
Use these DIY tips to boost your home's sales appeal at little or no cost.

Renters beware: What to look for before renting
Don't be afraid to ask the landlord questions before renting an apartment.

Renting an apartment? Use this checklist
Before renting an apartment, go through all the questions on this room-by-room checklist.

5 truths about car maintenance and repair
Think you have auto upkeep all figured out? These axioms for cars today will surprise you.

Lifestyle

5 travel tips for a frugal London Olympics trip
Want to save on a Summer Games vacation? Follow these frugal hints for going the distance.

When to buy an airline ticket Video
Before you take off, land the best deal on your airfare.

Mental health care without the high bills
Many struggle with mental illness to avoid expensive treatment, but affordable help exists.

Jo Dee Messina splurges on those around her
Country singer Jo Dee Messina gives back to friends who've helped make her a success.

Family

Cash out savings for kid's home down payment?
Find the right source of your loan or gift if you want to help your child become a homebuyer.

Baby Boomers

Should I add my son as a co-owner of my car?
Want to share car ownership? Check on whether your insurance and auto loan should change.

Steps to take to relieve elderly mom of credit card debt
When fixed income seniors are faced with insurmountable credit card debt, what can family members do to help?

Twenty Something

First credit card rules of the road
Your first credit card can be an opportunity to build good credit or create a financial disaster. Follow these guidelines and avoid getting in over your head.

Here's how to limit your educational debt
Limit the amount of debt you take on from student loans with these four tips.

Take on debt while you're in school?
Study up on these points before getting a college loan.

Wanna travel to outer space? It'll cost you
Space travel prices may be out of this world, but for some it's worth the astronomical cost.

Food

Honey that's worth the money For frugal shoppers who want all the health benefits of pure honey with the pollen, which honey is worth the money?

Bagels: A hole in your wallet? Here are some tips for saving money on a favorite morning meal.

"The Dollar Stretcher" and Dollar Stretcher, Inc. does not assume responsibility for advice given.  All advice should be weighed against your own abilities and circumstances and applied accordingly.  It is up to the reader to determine if advice is safe and suitable for his/her own situation.

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