LOVE

“You can do what you want, but saving love doesn't bring any interest.”

Healthy Non Pricey Foods To Add To Your Grocery List

Beans-Eggs-Bananas-Brown-Rice-Carrots-Flank Steak-Sweet Potatoes-Canned Tuna-Popcorn-Walnuts-Peanuts

Save On Haircuts

Have your hair cuter cut your hair a little shorter and thin it out. This will allow you to go a little longer before you have to have it cut again. Some of my friends cut their own hair saving them money, gas and time. Go to a hair cutting school and have it cut by a student. It's very affordable and there's an instructor present making sure they don't do a number on your hair. Grow your hair long be a rebel and save money while you doing it.

Free Dating Sites

Find your significant other or activitive partner for free.www.plentyoffish.com and www.craigslist.org are great sites check them out.

On Line Banking

Save big with on-line banking. Here are a few of the ways you keep money in your piggy bank. Save on stamps and envelopes all transfers are done electronically. Save on not purchasing checks as often because transfers are done electronically. Eliminate late fees, funds arrive the day they are due. You can wait until the last day without risking late payment fees. It also eliminates paying the merchant to early,keeping the money in your account making money until the very last minute. Save on time and gas. No more running to the post office or bank.You will be able to shift money from one account to another without leaving your home. With on-line banking you will be able to check balances daily helping you avoid bounced checks. Most banks offer this service for free.

Hang Out At The Library

Use your local libary to save money and trasform your life.It's a place were you can check out books, tapes, movies, read your favorite magazine or newspaper, and use `the Internet for free. Learn a foreign language, start a business, learn to invest. Get rid of a bad habit with a self improvement book. Get a book on health eating and exercise which will help you have more energy and cut down on expensive doctors and prescriptions. The opportunities are endless at the library take advantage of them

Cut Your Electric Bill By 25%

Heating and cooling accounts for 50% of most peoples energy cost.Turn your air or heat down when your not present. Wear a`sweater in the winter or use a fan in the summer.
Turn your hot water thermostat down to 120. Tempertures above 125 can burn your skin. Wash clothes in cold water. Contrary to popular belief, cold water will clean clothes as well as hot water, and your clothes wount shrink.
Turn off home computers and unplug phone chargers and play stations when not in use. Turn out lights when you leave a room. Replace incandescent light bulbs with compact fluorescent light bulbs. Most electric companies will come out to your home free of charge and show you how you can even save more. Give them a call.

I know the REAL CHEAP REAL RICH GUY and

I want you to know that I know the "REAL CHEAP REAL RICH GUY" And he follows his advice daily. So when you read a post, realize that is how he saved one million dollars on blue collar wages.

Save money by using cruise control.

Save money by using cruise control. Keeping your car at a steady speed saves you money. Every time you press the accelerator you burn a lot of gas. Your car is more efficient at a steady speed.
Speed tends to plague drivers on long trips.So you can also avoid speeding tickets by using your cruise control to stay under the radar.

The secret to dept free living to to curb impulse buying.

The secret to dept free living to to curb impulse buying. Any purchase that's not an household necessities impose a 3 day waiting period for the purchase.Ask yourself, do I really want or need this item?

The purpose of my blog is to help people save money without taking away from their quality of their life.

The purpose of my blog is to help people save money without taking away from their quality of their life. Each money saving tip is not going to make you a millionaire, but all the tips together are going to save you money in all the different facets of your life. What you do with your savings will determine your financial independence. The key to finance independence is to stay out of debt, the only exception should be your first house because of the price tag and your ability to write off the interest on home loans on your taxes. The key to achieving this goal is to live within your means. I hope through with this blog I can help people live their lives without the constant worry of fincial problems. the number one cause for divorce and stress in America today.
Please feel free to e-mail me with money saving tips. Lets all save and grow rich, and have fun doing it it.

Vinegar not just for salads. Save money using vinegar for household choirs and healthy uses.

Vinegar not just for salads. Save money using vinegar for household choirs and healthy uses.
White vinegars great for cleaning walls, counter tops, floors, bathrooms, sinks, facets, glass surfaces ,deodorizing and cleaning drains, use half part water, haft part vinegar. For grease removal and grout cleaning use 100% vinegar. Use an old tooth brush to apply the vinegar to the grout. After a few minutes wash off with water and dry. Combining baking soda and vinegar makes a great scouring cleaner for cleaning the shower or tub.
Healthy uses for vinegar. Use vinegar as an antiseptic. Have an insect bite or poison ivy, apply vinegar to affected area with a cotton ball will help stop the inching. Use it once or twice a week while brushing your teeth will help make them whiter and eliminate bad breath. Vinegar can be used as an ant fungal. Helps get ride of ringworm, athlete’s foot. Wash affected area well with vinegar then rinse and dry well. Douching with equal parts vinegar and water will fight yeast infections by restoring a healthy balance of bacteria. Soothe sunburn by spraying vinegar on the affected area. Lighten none facial freckles by using full strength and applying it to freckles.
For the animals. Kills fleas by adding a little white distilled vinegar to your pets drinking water.
Get cleaner laundry! Add about 1/4 cup white distilled vinegar to the last rinse. The acid in white distilled vinegar is too mild to harm fabrics, yet strong enough to dissolve the alkalies in soaps and detergents. Besides removing soap, white distilled vinegar prevents yellowing, acts as a fabric softener and static cling reducer, and attacks mold and mildew.
Eliminate manufacturing chemicals from new clothes by adding 1/2 cup white distilled vinegar to the water.
Reduce lint by adding one half cup distilled vinegar to the wash cycle.

making money using a credit card

Making money using a credit card.

Never use a credit card if you do not have the funds to pay your bill in full at the end of the month. This way your borrowing the banks money with zero interest charged to you while your money making money in you savings count. Find out when your billing cycle ends. Make most of your purchases in the beginning of the billing cycle. That way your borrowing their money longer for free.

Try using the same credit card for all your purchases that way you can evaluate were your spending your money when you get your statement in the mail. Most credit card bills will break down your purchases in categories. Such as food,clothing,hotels. Making it easy to take that information and enter it into an excel spread sheet or a programs such as quicken.

When picking a credit cagrd don't worry about the interest rate. Because your going to be disciplined and pay it off every month. Make sure there are no annual fees. Pick a card is widely used. Some merchants will not accept discover card. The most widely accepted credit is visa. Pick a card that has multiple reward programs. Use your card for everything that way you have a record of all your purchases and build up points quickly. My card has Walmart gift cards which are great because they can be used to purchase necessities such as food at a great price. Stay away from airline points.You can always find discount airfares on one of the several discount travel sites.

If you own your own home and have equity in it I recommend getting a home equity line. Most banks will pay stamps, appraisal and closing cost with no cost to you. I'm including home equity lines in my credit card section for this reason. If you have to make a purchase due to an emergency such as repair for a broken car that you will not be able to pay off at the end of the month. By using your equity line instead of your credit card you will be paying a lower interest rate and you will be able to write off interest on your taxes. More on equity lines savings later. Tomorrow on line banking.

He Did IT And So Can You

Get ready to live on a shoe string but in not so long a time.... You will retire with a million... There is nothing for sale (yet) tee hee. We just want the average American citizen to hve hope for his future.The younger you are when you get stared, the more likely you are to succeed at it. I hope you are willing to be a little slimey and forget about your image for a while because EVERYONE will say you are cheap! You will have to be. You wont be able keep agirlfriend becuse you wont spend any money on her EVER.


But when you are ready to retire.... you will hae a million dollars.


Brace your self for some penny pinching efforts and always feel free to coment on my posts.






























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