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Don’t have the Money for Dental Work?

Finance — Administrator on November 13, 2007 at 11:08 am

I sure as hack don;t have enough money in my account to get all of the dental work done on my husband and myself. We both have wisdom teeth that need to be removed as well as a few cavities to be filled. Dental work is not cheap and that is why I have been putting it off for so long. I finally decided it needs to be done however, and I figured the best way for me to pay for it is to get a 0% interest credit card and pay it off before the 0% interest ends. I have looked up some credit cards with this option and there are a good amount of them that are offering the 0%. Most credit cards are 0% for 9-15 months. Which is plenty of time for me to pay off a few grand in dental work. It sucks, but it’s life, and its better than trying to gather a lump sum of 2-3 grand in cash and fork it over all at once. I am also not paying any interest to borrow the money, which is the best part.

Quick Books - It’s worth the money

Finance — Administrator on September 27, 2007 at 7:12 pm

When my husband and I started our home based business’s a couple years ago we wanted to make sure that we looked professional and that we had a way to keep track of our business finances so we purchased Quickbooks at our local Staples.


I have to say that this program works great and the invoices are customizable and they look really good. I bought the Quickbooks Simple Start, which is the smallest version of Quickbooks and was only about $60. You can also buy at Staples.com. Quickbooks has worked out great for our small business and it keeps great records of money in and money out.

5 Tips for Living Cheap to Live Rich

Finance, Home Impovement, Shopping — Administrator on July 18, 2007 at 3:59 pm

Do you like to save money? Do you like to save as much money as you can so that some day you can buy yourself that expensive car or vacation that you have been dreaming of?

vacation

Well I certainly do, and I’m a very frugal spender for those reasons and many more. Even if I had money to spend on whatever I wished, I think I would still try to find good deals and save as much as possible in all my projects. I’m not going to reach Bill Gates’ level of wealth with this strategy but it will go along way towards helping me save money for more important things.

money


We’re going to start with a local favorite; your local dump or transfer station. At our local transfer station we have 3 important sections that I never overlook when I’m there dropping off my cast-offs and recyclables.

1. The first section to scope out is the “swap shop”. The swap shop is the best place to find great used and sometimes new items left by people who simply didn’t want them anymore. At the swap shop you can bring your unwanted items and leave them for other people to come by and take for free. In some towns you do not even need to have a dump sticker to use the swap shop, you just tell the attendant that you are going to the swap shop and they let you right in. Check with your local transfer station to see if they have a swap shop or equivalent, you’d be surprised at what people leave.

Our swap shop has new items all the time, and items go fast. I have seen people not only drop off items but pick up more items on their way out, that is how fast items go. I have gotten great stuff at my swap shop including: an antique dresser, antique cabinet, infant walker (retails $70), Infant excer-saucer (retails $65), wine rack, infant bath tub ring (retails $30) and much more.

dump

2. The second section to look for items is the metal pile. The metal pile has all kinds of metal items such as: old appliances, screen doors, lawnmowers, windows, metal cabinets, bicycles, sinks and more. There are always people walking around the metal pile searching for an item that they can use at home, it takes a creative eye but you can find some great metal items before they get crushed.

metal pile

3. The third section is called the “construction debris pile”. Here you can find dressers, tables, chairs, mirrors, benches, couches, windows, bed frames, plywood and more. This debris pile is great because you can find a piece of furniture that may not look so great, but with an inexpensive refinishing job like painting, it could turn into a great piece of furniture.


4. Next on the list and not at the transfer station is construction dumpsters or containers. You know the big yellow, orange or red dumpsters you see at construction sites around your neighborhood? Inside these dumpsters is usually a mix of wood, and miscellaneous debris trashed at a construction job site. I have found a lot of scrap plywood and wood boards in construction dumpsters just around town. Keep in mind that this is not something you should do without #1 informing the company who owns the debris and #2 being very careful as the debris in these containers is dangerous and unstable (think nail in foot). Using what I’ve found in containers I’m building a small shed on my property to store gardening tools and our lawn mower.

dumpster

5. Use COUPONS! Coupons in the mail, coupons online and coupons locally are all great ideas to save money on your purchases. I recently got some coupons from my local hardware store, one coupon was for $20 in total savings, all I ended up spending was about $1 and I got $19 in return. If you sign up for the blizzard fan club at Dairy Queen you get emails monthly that have a buy one get one free coupon. If your local stores have mailing lists, sign up, they will send you coupons and you will save money, I guarantee it.

coupons

All 5 of these tips will save you money and best of all, most of them cost you nothing at all. If you have any tips to add to this list leave your idea in the comments and we’ll add it to the list. Happy hunting to all of you!

Mohegan Sun and Gambling

Finance — Administrator on May 1, 2007 at 9:07 am

I have been to Mohegan Sun Casino about 5 times in the past 2-3 years and every time it is just so much fun. And the great part is that you can have fun without even spending a whole lot of money.


I spent only $30 and I lost it, but I played for hours and hours with it. A friend of mine did lose $300, but they are just crazy. There are fun games that are only 1 penny and 2 cents and 5 cents as well, so that is fun because your money will last longer, even though the payout for 500 is only $5.

Spending $100 in 2 days

Finance, Shopping — Administrator on April 12, 2007 at 7:47 pm

I never ever get to spend $100 in 2 days, nor do I usually spend $100 in a week, but these past two days were different, I just had a birthday and I was given $100 to go shopping. I am abargain hunter, and I even tried to find an expensive zip up hooded shirt, and I could not find one I liked for the price of $70.


But, I would have bought it because it was my birthday. So, instead here is what I did buy and I still have $8.00 left over.

1-Pair of jeans $15
1-zip up hooded sweatshirt $17
1-CD pack of 3 kids songs cd’s $4.00
4-tank tops $24.00
1-tank top $6.00
1-long sleeve pullover shirt $10.00
1- bottled water $1.75
1-strawberry lemonade juice $3.50
1-bath toy for baby $1.99
1-other bath toy for baby $3.50
1-musical baby toy $2.5

All that for only $100.00. It goes to show that you can buy a lot of things with a small amount of money.

H&R Block Tax online-not so easy

Finance — Administrator on February 4, 2007 at 8:13 am

I decided this year to try and do my taxes myself, instead of paying an accountant. So I found H&R Block online. You can do your taxes online step by step. They have a help guide and the questions seemed to be pretty straight forward. However, It’s not as easy as I thought.

The terminology is not in my vocabulary and I did not know what many of the questions were asking of me. So, I gave up. I have decided an accountant is the way to go, and they usually can get you more money anyway….

 
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