vendredi 4 mai 2012

5/04/12: Dollar Stretcher Tips

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Dollar Stretcher Tips

"Living Better...For Less"
May 4, 2012
Volume 14, Number 36

 



Handy Laundry Stain Treatment

I filled an empty hand soap dispenser with laundry detergent and put it in the bathroom. Naturally, I marked it so everyone knows it's detergent, not hand soap. Now when my preschooler undresses for a bath, I can hand scrub the stains out right away and watch her bathe at the same time. It also gets the stains out before they set in.
B.




Deodorant Choices

As a female, I prefer unscented stick deodorant/antiperspirant because I don't like the scent to compete with my perfume. I have discovered that men's unscented stick deodorants/antiperspirants tend to be bigger and cheaper. As they have no scent, it doesn't matter. Now that I'm past the packaging, I am saving every day! Also, I have more options when using coupons.
Deb

editor's question: Does anyone know if the ingredients are any different for men or women? Or is it just the packaging?


Natural Weed Removal

I use a kettle of boiling water to kill the weeds that grow in the cracks of our sidewalk. I just pour it on the weeds (especially at the root) every day until they die. This works pretty good and is safe for kids and pets after treatment.
Melissa W.

Additional Dollar Stretcher Resource: More on weed removal


123inkjets.com - Printer Ink, Toner, & More!


Quick School Lunches

My tip is to have a snack drawer ready to go! We pack a snack and lunch every day for school. To cut down on time and save money, I have a drawer that is dedicated to my packing. I buy large bags of snacks (pretzels, cheese balls, etc.) and repack in snack and sandwich size bags. I then add other things to the drawer (fruit roll-ups, dried fruit, etc.). Now, it is so quick and easy to pack lunches and snacks every morning.

It also comes in handy when my son wants a snack. He goes to the snack drawer, and it is already portioned out, which has helped with snacking and overeating. This is great for hubby and myself, too.
Kelly in NC


Septic Safety

This tip is in response to the tip about purchasing a home with a septic tank and having it pumped out by the sellers before closing the sale. With houses that used to be on a septic system and are no longer using the old tank, make sure it has been filled in so no one later falls in. The same goes for oil tanks that are in the ground and not used. Not all tanks (septic and oil) have been properly taken care of when taken out of use.
Mel in Oregon


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


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Recent winners are:

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More on TDS

Money

Will ID theft insurance shield you from fraud?
Identity theft affects millions each year. Is insuring against it a sound decision?

Can you get rich in a class-action lawsuit?
You've received notice of eligibility to join a class-action lawsuit. Should you bother?

At 52, how do I start on retirement saving?
Learn if owning your house in the clear helps put your financial house in order for retirement.

Freebies are more rare in the land of the fee
Something for nothing? Not anymore, thanks to fees on formerly free stuff like pizza deliveries.

Break bad habits that hurt your finances
Turn your spending habits into a compulsion to save money and rescue your personal finances.

Can money mismanagement kill your marriage?
Money can be a wedge for couples. Can money management keep you and your spouse from arguing?

How do I stop these retirement plan fees?
Investing your retirement money shouldn't cost you money. Here's how to fight account charges.

How the Fed affects your life and money
When the Fed sets the federal funds rate, there's a trickledown effect on other rates.

Will debt consolidation wreck my credit?
Putting your debt eggs in one basket may not help unless you hatch a broader financial plan.

Why would an investor buy a negative-yielding bond?
Here's why Treasury is mulling their sale.

Financial security improving? Video
What's behind Americans feeling that their financial security is improving?

Moving IRA assets under divorce decree
If you correctly transfer your IRA assets to your ex-spouse, it will not be a taxable event.

How should I safely diversify to beat inflation?
A conservative investor has options besides insured deposits if rising prices are a concern.

Made a mistake? Form 1040X to the rescue
Just discovered you fouled up your tax return? Here's your second chance to get it right.

Pump and dump big rewards cards carefully
Applying for big bonus rewards cards, racking up points and then canceling the card requires a credit score and a lot of discipline.

8 of the most bizarre insurance policies
Insurance coverage can go way beyond auto, home and health. Even out of this world.

Smartphones will become the new credit cards
Within a decade, smartphones are predicted to become Americans' favorite money-storing and spending devices.

The I bond: A hedge against a rise in inflation
The I bond's fixed rate is stuck at zero percent. Find out why people still buy these bonds.

Critical

Can I stop a post-bankruptcy home sale?
If your home is auctioned after you file for bankruptcy, you may be able to reverse the sale.

Boost credit score with help from a friend
Becoming a user on someone else's credit card could raise your credit score. Find out how.

How can car co-signer avoid credit crash?
Here's some credit damage control if you vouch for someone else's car loan, and it goes unpaid.

If collectors call on a very old debt, know your rights and assert them
A collector calling on a 12-year-old debt needs to prove you really owe it, and be told it's too old to be legally collectible. Just don't ignore it.

If your job's uncertain, avoid new debt
Working in an uncertain industry can mean frequent job losses, so if you get a new job, reassess your prospects, start saving and avoid new debt.

Home & Auto

Why do short sales take so long? Video
Go into a short sale with realistic expectations of how long it may take.

Sell your home online, where the buyers search
Make sure buyers notice your house when they look online by following these tips.

6 things to do before buying a home
You've picked out a new home. Now what?

4 homebuyer pointers for shopping online
Shopping online for a home opens up creative possibilities you might have missed.

4 ways to beat the dealer on a new car
A new study shows how much you can save on buying a new car. Here's how to get the best price.

What is the highest rate on a car loan?
A car loan rate shouldn't exceed your state's usury rate. Find out what you can do if it does.

Lifestyle

5 thrifty Mother's Day surprises
Showing Mom you care doesn't have to break the bank. Surprise her with these ideas.

Which airlines offer bereavement fares?
Check this list to see which airlines make those tough travel arrangements easier to bear.

Women get stuck with higher credit card interest rates?
Women not only are more likely to carry a balance, but they're less likely to comparison shop for credit cards, says a study.

Money Q&A with Guy Fieri
The "Minute to Win it" host and chef talks about how he simmered his way to success.

Family

6 sensational getaways for Mom this Mother's Day
Love your mom? Flowers and chocolates can't compare to these amazing vacations.

Raising a child with financial smarts Video
Do you want your kids to be smart about money? Follow these tips to get them started.

Will prepaid tuition money move with us?
If a family changes states, the old one may still be used for the kids' prepaid tuition accounts.

Baby Boomers

Making the most of Social Security benefits
The way to get the best deal from Social Security requires careful computer analysis.

7 little-known Social Security benefits
Knowing these rules may make a difference in how much you'll get in Social Security benefits.

Right financial planning for boomer women?
For women approaching retirement, here are the keys to a good money strategy.

Twenty Something

Is education still worth the debt?
With rising prices, is it still worth taking on debt to attend college?

How to get a mortgage with no credit history
A 27-year-old with no credit history is going to have to jump through extra hoops to qualify for her first mortgage

Guide to finding an apartment on Craigslist
Knowing how to apartment-hunt on Craigslist isn't classified information. Use these tips.

Students face big financial aid changes in 2012
Fewer students will qualify for grant money, and federal student loans will get more expensive.

Is college worth the cost?
With tuition bills and loan defaults on the rise, more students are questioning conventional wisdom.

Food

Affordable Organics
Organic and "healthy" food pricing misconceptions.

Homemade Seasoning Mixes
Favorite make-your-own mix recipes from our readers.

"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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