Most business owners subscribe to the thought that you “must spend money to make money”. This can be true, but you also must know exactly where that money is going and the results it brings. A small business owner never has any money to waste.

Some ways that your business might waste money includes the following:

1. Manage your credit cards – If you have several cards, develop a computer program that will show you the exact balances, due dates, and the interest rate you are paying. Always be aware of other solicitations that save you money and possibly change your balances over to a new company. If you have any employee cards, see if you can set a limit on them. If not with the credit card company, make sure that the employees know their limits. Manage your credit cards wisely and never, ever miss a due date.

2. Develop an annual plan so you know where you will spend money. This helps you in several ways. The business person will be aware of what portion of the profits are going to advertising, towards incentives, towards accounting and other internal expenses, etc.

3. Do not over-purchase any products or services for a business. If you buy in bulk, the money is tied up and a place must be provided to keep the extras. That might be an unnecessary expense.

4. Developing an advertising budget and knowing just what resources to use is key to keeping money under control in a small business. You must advertise, but you also must get value for your money or you will soon be out of business. Keep a record of how much is spent, can you get payment terms, when is the most efficient time to advertise your particular product or service to get the most value for the dollar. Every dollar must be accounted for in advertising because the lifeline of your business depends on new and paying customers. Advertising is the way to get the word out to the community or the Internet.

5. A small business owner will sometimes be under self-induced stress to manage all aspects of the business. Sometimes, leaving the control and decisions to others that are qualified is the best way to manage the business. Releasing control may be hard to do sometimes, but in a lot of businesses, money can be wasted because the owner cannot possibly be as efficient as the person who has studied or is knowledgeable about a particular field. For instance, if a business owner does not know accounting, many mistakes in reporting income and taxes can be made. A qualified accountant can possibly save more than the cost of their services in reduced taxes.

Take a hard look around your business and do not let anything be set in stone if saving money is the goal. Challenge everything that will cost money and see what can be done to change the situation. Any money that is saved is money that can be put back into the business either in profits or in growth.

A business owner wants their business to be successful and will work hard to sustain growth. A business owner wants a way to continue making and growing money from a product or service that is interesting to them. After growing a business and being smart with cash flow, many business owners will sell their businesses only to start another business.

The reason is that business owners are independent types and challenges are rewarding when met and faced. Saving money through every day operations will help the business owner to meet their financial and emotional goals.

Learn more about small business accounting, accounting software, how to pick an accounting firm and more at St Louis Accounting. St Louis Accounting is a website dedicated to providing information for individuals looking for information about accounting in St. Louis or other areas.

Article Source: How Small Businesses Waste Money

How Small Businesses Waste Money

Popularity: unranked [?]

404 Self Improvement Tips! – Money Saving, Success, Health & Fitness, Love & Relationship Tips! Mission-Surf

404 Self Improvement Tips is divided into four poweful section…

PART 1 – 101 Money Saving TipsPeople are always trying to save money, especially with today’s economy. No matter what your reason for saving, through this e-book, you will discover ways never considered.

The price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.

In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Alth

Rating: (out of 1 reviews)

Price:

Free Relationship Tips – Learn to Get the Touch Back

You really need to take free relationship tips when you can get them. OK, I know things have got pretty blah in your relationship and you are wondering what to do. You remember how things were and you crave to have those feelings back again. You want to move in reverse years and see what it was that made the two of you feel so close.

Well one thing that you are probably forgetting about is touching. Free relationship tips remind people how important touching really is. This in no way is a sexual connotation either. It’s a feeling of security and knowing the other person will always be there just to make you feel like you.

Free relationship tips say you need to play with your mate’s hair, give them a back rub, and hold their hand and many of the other small things that will make them feel good about themselves. Complacency is a tough thing to battle when a couple people have been together for quite a while. There are way too many things around to distract a person. Work, kids, job and bills are great at sucking all the power out of a person. However that’s where you need to be stronger and change the results that so many are experiencing these days.

It’s time we took over and follow some of the free relationship tips that are offered to you. Fight back and stop yourself from becoming a statistic. Instead help on the other way to building a positive statistic that moves in the direction we would all like to see.

Incoming search terms for the article: Incoming search terms for the article:

Tagged as: fitness, free relationship, health, improvement, love, MissionSurf, money, price, relationship, relationship tips, retirement fund, Saving, Self, self improvement tips, sexual connotation, success, Tips

404 Self Improvement Tips! – Money Saving, Success, Health & Fitness, Love & Relationship Tips! Mission-Surf

Popularity: unranked [?]

1. Start planning your finances early. Figure out how much money you’ll need as soon as possible (tuition, ancillary fees, books and supplies, living expenses) so you’ll know how much financial support you’ll need. Include a realistic monthly budget accounting for transportation, laundry, groceries, toiletries, entertainment, rent, etc.

2. Use free money first if you have access to it (money from parents, money explicitly saved for your education including RESPs, scholarships and bursaries, etc.). If you need to borrow money, use low interest or no-interest options first, with OSAP being the best example. If you need to borrow money on top of that, try and get a cheap student loan. Stay away from credit cards if you can.

3. Explore early the scholarships, awards, and bursaries offered by the University. There may be some program specific or special interest awards that you may be eligible for. Many scholarships, awards and bursaries have deadlines and require applications.

4. Don’t miss an application deadline. Include deadlines for financial support applications in your calendar and make sure you apply in time to be considered.

5. Investigate getting a job as a source of income. If you need to work, work as much as possible in the summer period, rather than during the school year. If you need to work during the school year, try to avoid working or working much in your first semester or in any semester that you expect to be particularly challenging. If you really expect to be pressed for cash, consider postponing your studies for a year and building up some cash, or consider reducing your course load from five or six courses to three or four courses a semester.

6. If the choice is between working or working more versus increasing or taking out a student loan, make your decision based on a realistic assessment of how well you can perform academically while working.

7. Shop around for the best cell phone plan to meet your needs. Pick up a long distance card to reduce phone bills.

8. Look into various means of saving money:• Brown bag it. Packing your own lunch is cheaper andhealthier.• Buy new to you. Whether it’s used books, secondhand clothing or garage sale furniture, you can find what you need at a fraction of the cost.• Shop online to browse, create budgets, compare prices and take advantage of online savings.• Take advantage of student discounts. Be sure to flash your student ID at entertainment venues, on public transportation and anywhere else that will take them. Check out special deals through your student union.• Pick up the free weeklies to see what entertainment is going on in the city for free. Also check out free events hosted by the University.• Maximize public and active transportation (walking, cycling) to keep commuting costs down.• Avoid the latte effect and buy a coffeemaker or a kettle to make your own.

9. Resist the temptation to sign up for a student credit card. If you end up falling into the “this-is-my-only-credit-card” crowd, make sure you get one with a low interest rate and ask them to fix the credit level at $500. Then be sure to use it only for bona fide emergencies. When credit cards are the only accepted methods of payment, as in online transactions, save the money you will need before you make the purchase. Then pay off your credit card immediately after charging it.

10. A line of credit typically has a much lower interest rate than credit cards. A line of credit can be a cost-effective, convenient way to borrow money for a short period of time. Most financial institutions have a student line of credit that offers a lower interest rate, no annual fee and fairly lenient terms and conditions.

11. Monitor where your money is going during the year. Keep all your receipts and track your expenses. This will force you to write down how much you’re spending, prompting you to think about whether you really need to spend that money or not. This might increase your savings, but it will definitely let you know if you need to change your spending habits and/or increase your income before it’s too late.

12. If you find you’re running into financial difficulties, immediately speak to a Student Financial Assistance Advisor on campus or at your bank. They’ll look at your budget and give you some good advice before you get in over your head.

Expert available for interviews:Alan Kaplan, Associate ProfessorTed Rogers School of Business Management

Back To School: Financial Tips for Students

Popularity: unranked [?]

Have you ever wondered how credit card companies can afford to offer you cash rewards and airline miles and all the goodies that go with using their credit cards? When you compare credit cards and search for the best credit card, do you marvel at the 0% interest rate offers, and ponder how they can manage with people who pay their accounts in full without incurring any interest charges? If you’ve been wondering how credit card companies make their money, keep on reading.

Fees to customers are a large part of credit card company income. Annual fees, late fees, finance fees, transaction fees – they take a small bite out of your monthly income, but they’re a large chunk of incoming cash for the issuing company. Consider that you are one of millions of customers who are paying those fees and you begin to see just how large that income can be.

Merchant fees are a second slice of the income pie. Each time you make a purchase on plastic, the merchant that made the sale to you pays a transaction and servicing fee to the credit card company. If you spend £100 kitting out your kitchen at John Lewis, the store hands over £2-3 to the issuing card’s company as a processing fee. Why would they eat into their own profit margin that way?- They sell more when they accept credit cards.- They get to reduce the handling of cash by store employees, cutting out one of their loss streams.-They’re assured of getting their money if they accept a major credit card. With a store card, they assume the cost of collecting the debt – and wait months to get the full account.- They pass the expense on to the consumer in higher prices for everyone.

High interest rates rake in a lot of money.Anyone can tell you that the APR charged on most credit cards is considerably higher than interest fees on the same money from the banks. It’s the price that we pay for convenience though, and credit cards ARE convenient.

They make investments with the money that they’re using.Like the banks, the companies who issue plastic make a lot of their money by investing the difference between what they pay out to you and what you and merchants pay to them.

In other words, in a nutshell, the credit card companies are making their money from you – but their way of doing business means that they can account for someone who uses their product wisely.

Yes, there are ways that you can profit from their profit and popularity. The secret to actually profiting from charging your purchases is to compare credit cards before you choose, and to choose those that will cost you the least – or even put cash back in your pocket. For instance:

If you compare credit cards carefully you’ll be able to find one with no annual fee and 2% discount on any purchases of petrol. Don’t worry about the APR – you won’t ever have to pay it. Apply for the best credit card online through moneyeverything.com, and when you get it make all your petrol purchases using the card. Here’s the trick – pay the full account on time every single month. You’ll avoid paying the finance fees, and you’ll save 2% on your petrol purchases every time you put petrol in the tank.

If you shop carefully and compare credit cards online, you’ll find other ways to make your credit cards pay you back instead of you paying them.

Door Sliding

Major Card

Popularity: 1% [?]

lately my paychecks are small and i need to pay for gas and food but i am living paycheck to paycheck any advice on how to save my money
( i have a tendancy to buy small stupid things like pens and hair stuff) i know i need to stop buying that stuff but how can i break that habit

cut up your credit cards. Do not go into stores except for food shopping. Use a shopping list and buy only what is on the list. If you lack self control then ask someone to shop with you. Time to grow up and get your financial life in order

Don't listen to all the people here who tell you to sign up for *get rich quick* schemes! That'll just make things worse. Start a savings account and put a small amount of money from in your paycheck in there. Keep doing and eventually you'll have a pretty nice sized savings account. Also, use the trick of the guy offering it to you vs cash- picture a man comes up to you *whom you trust* and says I'll either give you this pen or 2 dollars *assuming it's a nice pen*. If you choose the 2 dollars, then you really don't need the item!
Hope this helps!

Make list for the supermarket, don't go there on an empty stomach. Its been proven that you spend 50% more than you planned to if you go food shopping hungry. Next time your going to buy something besides the needs, think really hard if your really going to use it and if you don't buy it, put the money you were going to spend on it in a jar. Don't EVER open the jar until bills are due. Don't take out your car for somewhere under a mile…walk or ride a bike. The key is to think before you buy…i always liked to buy things like that too, but i had to learn how to save. Good luck and hope it works out for you.

You should probably also try to increase your income. Can you get a second part time job? Is there anything you can sell, on ebay or at a yard sale? Ask someone you know if you can help him/her clean out their garage/attic; take what they don't want, and sell it (you'd be surprised what people buy!)

Have a small amount automatically withdrawn from your checking acct and transferred to a savings acct each period.

Finally, reward yourself. Say to yourself, "I'm not buying anything except food/necessities for one week". At the end of the week, if you were successful, then do something nice for yourself. Without rewards for meeting goals, you might give up or get very discouraged.

Good for you for trying to change your habits and save.

I need ways to save money?

Popularity: 1% [?]

Building savings – not an easy task in the best of times – has become even more of a challenge during the recession. While women typically earn less than men in most occupations, the good news is that women’s jobs have held up better. Women have a 20 percent lower unemployment rate than men, according to a recent report from the U.S. Department of Labor.

Women also live longer and rely more on Social Security – the troubled trust fund will pay out more than it receives this year – than men.

So how can women build a bigger nest egg when times are tough? Here are four tips to help women take control of their finances:

1. Know the Difference between “Saving” and “Investing”

Wall Street and the financial planning industry have led us to believe that “saving” and “investing” are the same. They are not. Money put in savings is money a person doesn’t want to (or can’t afford) to lose. Money invested is subject to loss. Most people today “invest to save,” but they have no idea what their nest egg will be worth when they plan to tap into it.

This is not a financial plan. It’s gambling. And it has led to a nation of Americans wondering if they’ll ever be able to retire, and what they’ll have to give up in order to do that.

The typical equity mutual fund investor has actually been losing 1 percent per year for the past 20 years, after adjusting for inflation, according to the research firm DALBAR. The bottom line: Money a person cannot afford to lose should not be invested in stocks, real estate or other traditional investments.

2. Don’t Wait to Pay Down Debt Before Increasing Savings

Often people think they must pay down their credit card balances and other debt, before they can increase the amount they save. But that’s not necessarily true.

Case in point: A woman in her fifties was paying $600 to $800 a month more than the minimum payment due on her credit cards. She discovered that by cutting back to the minimum payment and putting the difference into a guaranteed savings vehicle, she could have a nest egg worth about $50,000 more than she otherwise wood when she retires at age 65.  I call this the “better than debt-free” way to manage money.

3. Look Beyond Traditional Saving and Investing Methods

Many people do not realize there are proven and time-tested ways to grow a substantial nest egg without the risk or volatility of stocks, mutual funds, real estate, and other investments.

One asset class has increased in value during ever period of economic boom and bust for more than a century: dividend-paying whole life insurance.

A dividend-paying whole life policy grows by a guaranteed and pre-set amount every year. The growth is exponential, meaning it gets more efficient every single year the policy is held. This gives some protection against inflation and provides peak growth at the time most people need it most — retirement.

Such policies can even include options that turbo-charge the growth of equity (cash value). Once credited to the policy, both guaranteed annual increases plus any dividends paid are locked in. They don’t vanish due to a market correction.

These policies also provide peace of mind for retirement planning because they specify the minimum guaranteed income a person can draw in retirement.

4. Realize Saving Doesn’t Have to Mean Sacrificing

Saving with this kind of specially designed dividend-paying whole life policy allows the policy holder to borrow equity and use it for needed major purchases. Some companies even offer policies that continue to grow as if no money had been withdrawn. This can open up all kinds of new possibilities for responsible savers.

A couple I know hadn’t taken a vacation since their honeymoon eight years earlier. They couldn’t justify taking a vacation because they felt they should save the money. They hated the idea of putting it on a credit card and having to pay all that interest. So they borrowed the money from their policy for a one-week vacation at a resort on the Mexican Riviera.

They set up a schedule to pay back the loan to their policy over a year, and made plans to use the same dollars to take a nice vacation every year. By using this powerful saving tool, they found a responsible way to do something for themselves they would not otherwise be able to do.

Savings Strategies for Women

Popularity: unranked [?]

My hubby makes about four thousand dollars a month and gets paid every two weeks. Our bills are about 3500 a month and we have no credit cards just morgage car and so on. We live from payday to payday and we have to borrow money sometimes to go to the store for food. We have 3 kids also. I hate living this way so I need some advice on how to save money and not be tempted to use it when we think we need it.

Open up a separate free bank account like ING and direct deposit from your bank even $10 each payday. It adds up and you won't miss that small amount. And Leave it Alone for a year at least.

$4,000 a month in income and $3,500 a month in expenses is tight. You need to increase your income and/or decrease your expenses. Another part time job for your husband or a part time job for for you. No dining out, cut back on vacations, turn down the thermostat, clothes from the Salvation Army, only used cars, basic cable only, only one cell phone. Lots of ideas.

Write down on paper a budget, and each payperiod give each dollar a name so when you budget for food make absolutely sure that you are not over budgeting, this will take about 3 months to master. Then, each dollar that you can spare send it to payoff that car, that's what's messing you up, pay it off quickly and you will see how you can build up your savings. You can do this by: stop eating out, stop shopping for a while until you finish paying off the car. But you need to see on paper so you can see reality.

Try buying a state or government gaurenteed bond. It can also be automatically taken out of your hubbys pay every two weeks, then:

If you have no credit card debt I would see about a blend and extend on your mortgage to lower your mortgage payment. I would also see about trading in your car(s) for a cheaper monthly payment OR returning a leased car and buying a car out right to avoid a monthly payment. I would also shop around to see if you can get a better rate on insurance. Lower your montly bills one at a time and it may take some research, especially for things like insurance. See if you can cut back on your cable package, your internet, get your kids to wash the dishes in the sink instead of the dishwasher. hang your clothes on a clothes line.

Someone here on YA once suggested to treat savings as if it were another bill to pay. So try to save at least 10% of your paycheck:

Savings
Food
Rent/Mortgage
Utilities
etc..

Try to cut out luxuries for awhile: internet, cable, eating out, etc.

This is what I did to save for my emergency fund. I opened a savings account at a Credit Union different from the one where my checking account is. I have $25.00 from each paycheck directly deposited into the savings account(bi-weekly paychecks) and the remainder is deposited into my checking account at another institution.
For my savings account I ask NOT receive a debit or atm card. What that means is if I really want to get some money out of the account you have to physically go to that institution. If it is not so close to you, and if the hours of operation conflict with your work schedule, you will find it a chore to have to make that extra trip.
This is what I am doing now, and it works for me.

We make 6000 a month and our total bills including groceries added into the expenses are only 2800, and that is with having a credit card. I find it hard to believe that your bills alone have accumulated to that high of a number, especially without a credit card. You must be adding in your extra shopping, etc. If your bills alone are truly that high… I would suggest having a consultation with a financial adviser and taking it from there.

PLAY WORLD OF WARCRAFT!

Do you have any advice on saving money?

Popularity: unranked [?]

Q: My husband and I are renting a condo but really want to purchase a house soon. We have about $11,000 in a bill consolidation loan. We currently have $12,000 in savings. The emergency fund is what’s in our savings, but I’m able to put at least $500 a month in there, so it’s building. Would it make more sense to keep paying the loan (the minimum is $350 a month, but I usually pay $700 to $1,000) and save what we can, or take the money from savings and pay off the loan and then build the emergency fund back up?

This is what I would do:

Calculate how much you need for an emergency fund of at least three months of living expenses (rent/mortgage, food, utilities, cable, cell phone, etc.). This will give you a benchmark of what you should have on hand before you even think of buying a house.

Designate about $2,000 for a “Life Happens Fund” for expenses that come up such as car repairs. Take this money out of the $12,000 and put it into an account separate from your emergency money. This leaves you with $10,000.

Put $5,000 as the beginning for your emergency fund. When you reach the three-month goal, then start saving for the housing fund.

Take the rest of your savings – $5,000 – and pay down the $11,000 loan. If you are paying upward of $1,000 a month on that loan, you will be done with it in six months.

Q: My partner continues to run up credit cards, and I keep helping him pay them off. He promises me every month that he’s not going to do it again. But sure enough, like clockwork, he runs them up again within a few weeks, mainly through online shopping when he’s bored. Any tips on how to help him to stop?

Stop yourself. You are part of the problem. He knows you will be there with the money for a bailout. Quit helping him, and he’ll have to face up to his problem.

Q: My girlfriend of two years has about $50,000 in various debts and donates around $3,000 to $5,000 per year to various charitable events. I have no problem giving to charity, but am I a bad person for thinking that paying off debt should come before giving around 20 percent of her take-home salary away? Right now it is her money and she can do what she wants, but I’m thinking of the future when we get married.

I think it’s great she wants to give, but you are right to be concerned that she may not be aggressively attacking the debt. But the answer isn’t in encouraging her to stop giving. Instead, say: “Honey, I’m worried about how much you have in debt. Do you mind if I help you budget or recommend a source that could help you get rid of your debt?” If she doesn’t want the help, just sit back and watch. If getting rid of the debt isn’t a priority, you are facing the future with conflicting values.

Fianc

Popularity: unranked [?]

Use This Advice To Save Big On Your Mortgage Loan

Foreclosure in the US have reached an all time high. Last year over 2 million of these took place and this is why it is wise to save as much as possible on a mortgage loan. Shopping smart and taking note of as many tips and tricks as you can will make a difference to the property owner in the long term investment process of owning a mortgage.

Property is rarely, if ever purchased without the assistance of a mortgage loan. People do not walk around with wads of cash stuffed into their pockets and if they did it is highly unlikely they would use it to purchase property. A mortgage loan is a long term loan, which stays in place for as little as 15 and as much as 30 years. Any savings which can be made on these loans will be substantial when you add them up over a long period of time.

Three years is the absolute minimum period of time you should live in a house before selling it. If you don’t intend to do this, don’t buy! Moving and selling a house has a whole load of expenses attached to it and you shouldn’t be doing this every few years. A property needs to appreciate by as much as 15% before selling it becomes worthwhile and this does not happen in three years. I found an interesting dutch article about lenen doorlopend krediet.

Before you start looking for a mortgage product, work on your finances. Get a credit report and dispute anything you don’t agree with. Pay off your credit cards if you can, because they have high interest and paying them will save you a great deal of money in the long term. Pay all your bills on time in the period preceding your mortgage loan application as this reflects well on your credit report. The better your credit rating, the lower the interest on your mortgage will be.

Take out the mortgage loan product which offers you the longest period to pay it back. This is because the longer the loan period the lower both the interest rate and the repayments on the mortgage loan will be. Do all this and you should be fine even if you find yourself in a crisis. The more savings you get on your mortgage the better.

Filed Under: Uncategorized

Savvy Saving Advice on a New Home and Real Estate Loan

Popularity: unranked [?]

Does anyone have any tips for saving money? I already clip coupons and look for bargains everywhere I go but I would still like to save more. Any tips!? Even if its something small let me know!!!

Find the savings bank that is paying the highest interest rates.
Pay off any credit cards that charge interest. Only use a credit card if you can pay it all off before the due date. Join a SAM's type club. Keep track of every penny you spend in a notebook for one month and notice where all the money goes. Buy a book on staying out of debt or join Debtor's Anonymous and learn techniques for creating a spending plan and sticking to it.

Looking for bargains everywhere you go might not be condusive to saving. A bargain is usually an advertising ploy … you save x amount of dollars if you… yada yada. You save if you do not spend money. Of course we all know that you have to spend money to care for your family. Take a good look at what you and your family NEED not want. Something that might work for you is to take all the change you have at the end of the day and put it into a big bottle or container. Try not to dip into this container until it is full, and then instead of spending it, take it to a bank and put it into a cd, saving account or some other interest bearing account so it starts to make you some money. It won't be alot but it is something (depending of course on the size of your container.) there is also a series on Oprah going on that is helping folks get control of their finances… they seem to be having some good successes in helping folks understand how to save money. They deal with all the issues. Examine your spending habits and see what you are spending that you really do not need for survival. The feel good spend is the one that usually can be stopped and that money can be put away to gain interest.

I actually save the money I save. By that I mean, when I use cupons or get a rebate, I put the money into a savings account. I use it for things that I can't get a bargain on, like vet bills for the dogs.

I try to re-use things for different purposes. I use decorative bottles that products come in to make oil lamps for patio use and give them as gifts. I use greeting cards I receive to make greeting cards for other people by cutting out the images and gluing them to card stock.

If you're saving money for college, say for a kid, a good site to check out is www.Upromise.com. Set up an account (it's FREE) and link it to a 529 account. Register cards such as your credit cards, supermarket cards, a rewards card, etc. with them and anytime you make a purchase of qualifying products, you get a percentage of that item's purchase price thrown back into your Upromise account.

There are a lot of participating online retailers like Staples, Dell (I just bought a laptop today and got 30% off with a coupon exclusive to Upromise members), Bed Bath and Beyond, plus more.

If you have a school loan you have to pay you can even link that to your Upromise account and have the credits go towards paying that off.

look at everything you do as a way to save money: amount of water/electricity you use, foods you buy, how much you drive etc. Every day is an opportunity to spend or save money. Each time you resist stopping at starbucks or go through a drive-through you can say "I just saved three dollars" It adds up over time.

Small things that I do:

My cell phone is issues and paid for by my job.

My home phone will be Vonage.

I pay off my credit cards monthly, if I don't have a 0% interest card.

I rarely use the AC in my car.

Library books instead of buying books.

Thrift stores, Marshalls or Ross!

Leftover veggies, spices, etc. go into stew.

check out this site

http://www.lastminute-auction.com

it's like an e flearmarket – if you look long enough you might find some usefull stuff.

Does anyone have any tips for saving money? I already clip coupons and look for bargains everywhere I go but I

Popularity: unranked [?]