Coupon Codes and Promotional Codes online
This tip is for those who shop online. When you know what you
want to purchase and where you want to purchase it from, open up a
browser. In Google or some other search engine plug in the
name of the store that you will be buying from and the word *coupon*
or *Promotional Code*. For instance, Google *Target Promotional
Code*. Up should come several sites offering promotional
codes, which you can then enter into the appropriate space on your
order. You can save 5, 10, 15, 20% on your orders or get free
shipping, etc. Whatever promotion your store is offering.
It's not much, but it only takes a couple of seconds to look, so why
give our money away? After all, if you save 10% on everything
you buy - over the course of a lifetime, that's pretty good money.
Saving money in little fun ways is another way of making your money
work effectively you.
Shopping Mall Savings
Next time you visit your local mall, pay a visit to the concierge or
information desk of the mall. Ask for a coupon or discount
card. Many malls will provide you with a discount card if you
have a AAA card or aks for it.
Right-sizing / Down-sizing and Virtualizing
In
preparation for having children you may want to consider downsizing and virtualizing.
It takes a certain amount of time, I won't kid you. But when it's done
and working well, it really saves time. Get rid of the items in
your house and office that serve
only one function or no function and replace with items that serve
multiple functions if a replacement is needed. It's the replacing that's expensive, but purging the
unnecessary or rarely used items is free! Less stuff means less to manage,
clean and think about. For instance, having seven computers
means that each
computer needs upgrades and updates periodically. This takes management time
can be better spent enjoying life. Don't let your house control you.
As for the virtualizing, get as many bills as possible to bill your American Express
(or other no-fee credit card that you will pay off monthly) card.
This saves on check writing and earns you airline miles for
household bills paid. The remaining bills, view online and manage through online bill pay
if your bank has a secure enough system. Less mail to open and
send - less writing of checks. Many tasks can be virtualized
from servers, databases, accounts, address books, email,
and others to give the family members online access from anywhere in the world. For instance: yahoo
has a contact and calendar management tool at
http://Calendar.yahoo.com
Anyone can then access your calendar and addresses that you provide
permissions. It can be downloaded to your Outlook so you only update
in one place instead of your Outlook, his Outlook, his office, your
PDA or phone, etc.
InfoMiss News You Can Use
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Water Delivery Services
If you have water delivered you might consider this alternative -
Brita (or other brand) pitchers and counter units. Save those
recurring costs with a one time purchase of a water filtering
pitcher and 5 liter
counter unit. You'll still have the twice a year filter
changes, but you can purchase the filters in bulk at a Costco or on
Amazon for a good price. This is good advice especially for
expecting moms who can't lug a heavy jug on top of the base.
Plus you reclaim use of the square footage the water unit and base
consume. In Los Angeles or New York, this can amount to hundreds or
thousands of dollars of reclaimed square footage!! You will
also enjoy having to manage one less thing, vendor and bill so it
saves you time as well.
Find out how you stack up with your time spent vs. dollars earned.
Net Present Value Calculator at
www.investopedia.com
Good Credit Card Search Site
http://www.bankrate.com/brm/rate/brm_ccsearch.asp
Geo Arbitrage - Interesting Article
"Most competent freelancers past the age of 30 with big-city
connections in fields such as product design, public relations,
software and sales and marketing can make $100,000 per year if they
put their minds to it. Trust me, it's not that hard to do if you're
a pro and you're pulling those bucks from California or New York.
What's hard for any freelancer to do anywhere on the planet is earn
the second $100,000. Yet that second $100,000 is what your household
needs to swing a comfortable middle-class family lifestyle in the
metro coastal areas.
But $100,000 per year, or even $75,000, buys a nice life in smaller
communities. Presto: Geographic Arbitrage."
http://www.msnbc.msn.com/id/9891543/
