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  • Save Money Using a Crock Pot!

    Posted on March 13th, 2017 savemoney No comments

     

     

     

     

    A crock pot is one of the best friends you will ever have when it comes to saving money.  You can make a variety of meals in a crock pot like soups, pot roast, chicken and the list goes on.  You can throw all of your ingredients into the pot before you leave in the morning, turn it on low and by the time you are home from work you have a wonderful, mouthwatering meal for your family.

    Owning a crock pot will also save money on your electric bill.  You don’t have to preheat the oven or use the eyes on your stove to cook your soup all day long.  Crock pots are simple to use, the recipes are endless and you save not only time on meal preparation but you will save money too!

  • Save Money on Your Taxes!

    Posted on February 15th, 2017 savemoney No comments

    TaxTime

     

    Yep, it’s almost that time of year again!  Time to file your taxes!  BLAH!  However, there are some ways you can save money when it comes time to file your taxes.

    Don’t be fooled by those folks who offer to do your taxes and then write you a check that day.  This is the biggest mistake that people can make.  They give you that check based on what your tax refund would be MINUS a percentage of what they make to give you that big fat check that day.  Do you really want to give up 10 – 20% of the tax money that is due back to you?  I sure wouldn’t!  That’s my freaking money and I want to keep all of it.

    Contrary to popular belief, if you file electronically (no matter where you go) you should have that money in your bank account within 5 – 7 business days.  It’s not like you have to wait for months on end to get your tax money back like you used to.  So don’t let them sucker you in to writing a check the very day they file those taxes for you.

    Also, you can find free help on the internet to any and all of your tax questions.  You can log on to the IRS page and they can give you all of the answers that you need.  You can also call them if you’d prefer; either way, they can help you and they don’t charge a fee.  Don’t think you have to pay someone to answer questions that you can get free answers to.

    You can also use several programs online to file your taxes that don’t charge you anything at all.  You will pay absolutely nothing (sometimes it’s based on your income) so you don’t need to go sit at a tax preparer’s office for hours on end waiting for your turn and then dishing out a fee to them to boot!

    So, plan to wait a few extra days for your tax refund and don’t pay someone else to do what you can easily do at home yourself!

    I hope you get a HUGE refund this year!

  • Get Your FREE Credit Report!

    Posted on January 5th, 2017 savemoney No comments

    Credit Report

    I wanted to check in with you today to remind you that it is time to get your FREE credit report for this year.

    You are entitled to a FREE copy of your credit report ever single year from all three of the largest credit reporting agencies; Equifax, Experian, and TransUnion.  However, you don’t have to contact each of them separately; you can simply go to www.AnnualCreditReport.com (AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law {from their website}) to receive all of them.

    Once you have received your credit reports look them over completely.  There might be information on one that isn’t on another, but as long as the information is accurate and all of the accounts on the report are yours, it doesn’t matter.  Some companies report to only one agency while others report to all three.

    If there is anything on your credit report that doesn’t belong to you, follow the steps with each reporting agency to have it removed.  It generally takes them about 60 days to do an investigation and if they find the information isn’t true they will remove it.

    It is also important to do this because of the high rates of identity theft.  If you notice several credit cards or loans in your name that you weren’t aware of, you could be the victim of identity theft.

    The reports are Free and you ARE entitled to a copy of each one every year so make sure you take advantage of that.  You never know what you might find on there that doesn’t really belong to you.

    Now, I’m off to get my free credit reports right now!

  • Save Money by Shopping Early for Christmas!

    Posted on December 7th, 2016 savemoney No comments

    Shopping Early

    When should you purchase Christmas presents? Many people wait far too long to do this.

    There are a number of reasons to shop early. Here are five of the best:

    1) More availability

    When the holiday rush is on, there will be a limited supply of items. When you purchase at a time when there isn’t demand, you ensure the product is still available. So the quality of your gifts is likely to be better.

    Often when you wait until the last minute and the product isn’t available, you have to get something nobody wants. When you do your shopping early, you ensure your presents are well thought out.

    2) Spreading out the expenses

    When you make all your purchases in December, this can wreak havoc with your finances. Instead, when you spread out the cost over the whole year, you will take less of a hit.

    The reality is, you never know what expenses you will have in December. What if your car breaks down and you have to spend $1000 to fix it? This will seriously lower the amount of money you have to spend on Christmas presents. So buying throughout the year, instead of all at once, ensures you won’t be caught unprepared.

    3) Save money

    This is one of the biggest reasons to shop early. While there are many “sales” during Christmas, few of them are legit. This is because the stores actually raise their prices right before the sale. They then “mark them down”, giving the item the appearance it’s on sale.

    In reality, it will still cost more than what you would have paid at non-peak season. After all, why would they have a sale when demand is at its highest?

    4) Save time

    When you go to the stores during December, they are much more crowded, and it takes a lot more time. Wouldn’t you rather be spending your time doing something else?

    5) On time presents

    When you wait until the last minute to get something, you just are asking for trouble. If the product has to be shipped, there is a high probability it won’t arrive on time. When you buy something in July, on the other hand, you are guaranteed an early arrival.

    Just don’t forget to keep track of what you’ve already purchased. This will prevent you from buying the same item twice.

    The bottom line is, there are many reasons to do your shopping early. These are five of the most important. So get started shopping now. When Christmas rolls around, you will be prepared.

     

  • Happy Thanksgiving!

    Posted on November 24th, 2016 savemoney No comments

    happy-thanksgiving

    Today is Thanksgiving Day here in the US and I just wanted to say Happy Thanksgiving.  Use today to take some time off from everything you are doing and just be grateful for everything that you have.

    Enjoy your Thanksgiving Day and be thankful for all of your blessings!