Save your money and buy on Friday

If you are planning on buying any kind of electronic or clothing item right now then I would suggest that you wait until Black Friday to get it at a severe discount. If you want to check the ads to see if there is anything that you want is on sale then check out either Blackfridayads.com or blackfriday2009.com. They have some of the most popular ads for the biggest deal breaking stores out there. There will be laptops, ipods, clothes, tvs, bluray players and more on discount this day.

We are commited to helping others by spilling the beans on ways to save money in your every day life while being a helping hand to a green environment!

How to save money on auto insurance

There is nothing that makes you bite your nails like shopping around for insurance.  But, the days of waiting around for the quotes and information is over.  Most of the insurance companies now allow you to get your quote online immediatly, pay for your premium, and print out your insurance card all within minutes. With this kind of speed to get things done also allows you to shop around a little more.  Checking up on 4-5 different sites for prices.  There are also sites that allow you to look at several quotes all at once, such as, onlineautoinsurance.com or esurance.com.  I have made a list also of a few of the online insurance companies to search around with.

• Nationwide.com
• Allstate.com
• LibertyMutual.com
• Progressive.com
• TheGeneral.com
• Geico.com
• SafeCo.com
• StateFarm.com

Here are a few tips on getting lower rates too...

1. 1. Taking a drivers education course every 5 years.
2. 2. Checking on the safety ratings on cars before buying.
3. 3. Having more than one car on insurance gives you a multicar discount.
4. 4. If you are in school, good grades gives you a good student discount.
5. 5. Having home/renter's insurance on the same account gives a multipolicy discount.
6. 6. Keep your driving record clean.
7. 7. Lowering deductibles.
8. 8. Shopping around with several companies.
9. 9. Add an alarm system to your car and it will pay for itself.
10. 10. Check with your employer for special discounts through your job.

Thanks to Freedigitalphotos.net for the pictures.

Don't let the flu get you down

One of the biggest reasons that people miss out of work every year is the flu.  If only flu shots were available to everyone and at a low cost.  Well, this year may be different.  Several venues, pharmacies, and doctors are giving cheap flu shots out.  There are even places like CVS and Walgreens giving $25+ flu shots.  Not getting a paycheck?  Then you are ok.  There are places that are giving free flu shots to the unemployed since they know the unemployment rates have sky rocketed and they need to be healthy to get and keep a job this winter.  These savings need to be taken advantage of before the stash of vaccines run low.  Remember, this cheap shot will also keep you from missing work and missing out on those paychecks.

Thanks to Freedigitalphotos.net for the photos.

Talk more and spend less

When you talk on your phone it can cost you a pretty penny for every minute that you continue.  Cell phone companies are greatly decreasing their fees that they are changing.  Take that phone of yours and call that service provider to see if they have any new deals that could save you big.  T-mobile is one of the biggies to do this now.  Coming up with an unlimited plan that costs you only 79.99 per month for unlimited minutes, texting, and data transfers.  If you are not in an area where you can get a more local cell phone provider that allows unlimited everything for a measly 39.99 then this might be a great option for you.  If you are like me, spending hours upon hours on the mobile web or sending massive amounts of text messages to your friends and family, then this could save you bunches!

Thanks to Freedigitalphotos.net for pictures.

Free E-book Reads

Are you a book reader?  Do you like reading online, on your iphone, or kindle?  There are some great free e-book sites out there that I want to point out so that the next time you are thinking about going out and buying a new book, you can save the money.

• Free-ebooks.net
• Gutenberg.org (Audio books and books in several languages too)
• Manybooks.net
• Scribd.com
• Feedbooks.com
• Booksinmyphone.com
• Freetechbooks.com
• Freecomputerbooks.com
• Onlinecomputerbooks.com

Thanks to 4FreePhotos.com - High quality images free of charge for photo.

Google widgets save you money!

With great widgets on your google home page can save you great amounts of money!  Like I have said before, coupons save lots, and having the latest coupons right there in front of you every day can't hurt.  I like to put the coupon widgets up on the top of my igoogle (my google homepage), so that every time I get on to the page I see them.  There are even some that give you the ability to search for specific things that you are looking to go and buy from the store.  Coupons for Amazon, Ebay, and other online stores also show up so you can save even more dough (10, 20, or even 50%).

Windows 7 cheap on Amazon!

Make sure that you take on the chance now to save some money on getting yourself the new Microsoft Operating System called Windows 7. If you get it on Amazon right now there is a discount. This is a must buy right now. If you are sick of Windows Vista or XP and want to get rid of all the freezing up.

Craigslist savings

Save money when you are looking to buy something and you don't mind it being slightly used or you want a major second hand discount.  This dandy little site called Craigslist is growing day by day, more users are using this site today than ever.  You can post things that you want to sell on the site for free or you can browse around for things to buy that you can get deep pocket discounts on.  The biggest thing that I like to look on here for is furniture.  You can save hundreds just by purchasing some nice cheap furniture on there that has been used.  You can even find lots of free things in the FREE section.  There are some really odd things that are purchasable on this site.  You can also find great houses, rentals, jobs, furniture, clothes, and talk about whatever you want on the forums.  Nothing really special about the site, but tons of great things on there to save.  Simple, easy, and free to use!

Rockergirl calls Chase Bank while on video about her rates being hiked up!

"Change" the way you live today!

"Change" the way that you live today!  A great and simple way to get yourself some dough that has always been there, but you just don't notice since it seems to have no value.  Digging up change out of your couch, ashtray in your car, or even picking it up in the parking lot of your grocery store when you are leaving; all great examples of easy ways to make those pennies grow into dollars.

I keep a container in my bedroom (it's a mug if you want to know).  Every day when I come home I take all of the collected change out of my pockets and dump them into the mug.  Let's do some math here to help you figure out what kind of money can really be made from doing this.

If you can come up with .50 a day (which is easily doable! Just look at the ground when you are walking around!), after a year you would have around $183. If you started at the age of 30 and did this until the age of 65 putting the change into a retirement account you could end up with over $80,000 extra when you retire.  The start off amount does not sound like that much, but as it grows gaining interest over time.  I don't know about you though, but an extra 80k sounds great to me.

Light savings

Throughout the day, as you are out, think about ditching the lights. Take the time to walk around your home to turn off the lights and save on your electricity bill. Turning off your lights can save you money over time. Especially if you are going on long trips.

People have said well if you are going on short trips then it's not worth it, but the way I figure it, most people work 8 hours a day. That's 160 hours a month, roughly. To me the savings during this time frame is well worth the few seconds to run around. People only worry about the lights though. We started a few years ago plugging all electrical things into power strips. This makes it very easy for us to unplug these also.

Items that are plugged in still use electricity while running in their standby mode. It may only use the same as a LED light, but if you have 30 LED lights going for 160 hours a month... it adds up, believe me.  You can also buy special power saving stips.  They will turn off the power completely to all the items, keeping you from losing that wattage from those items you forget to unplug.  You can save .10 per kilowatt/hour from unplugging and turning off your appliances.

Thanks to Freedigitalphotos.net for the pictures.

Q. What is being green?

A. Making the environment a better place for the future by saving plants, cleaning the air, and using organic materials as much as possible. Sometimes things are just too hard or expensive to do this and that is why we are commited to telling you the cheapest ways to do what you can.

Q. Is this a scam?

A. No Way! There is nothing for us to scam you with. As of right now we don't sell anything, but we do give you information for free!

Q. Do you have a podcast?

A. Not yet, but it is coming.

**Everything on this site is based on my own opinions and in no way do I purposely try to discredit anyone. If I do please let me know by emailing randi2kewl@gmail.com

Double your coupons!

I love the idea of using coupons to save you a few extra bucks here and their, leaving you with some extra change that can add up for you in the future. What if you could make all of those coupons double in value though? You can make those coupons work even harder for you than you would expect out of them.

Tons of grocery stores have either a specific day or every day that they double the value of your coupons. You need to ask your local grocery stores on this concept though. They all have different rules that they go by when doing it though. Some only do it on certain days, some do it only up to certain amount, and some do it only on non-sale items.

After you check on their rules on this pile up your coupons and head to the store. You would be baffled by the amount that you will save. A lot of times you can catch things at a low price and even end up getting the item for free!!! Gotta love coupons!

Freebie of the day!

Well I am on the internet all the time and run into tons of freebies that I will start now posting on a daily basis (that's if I don't forget them :)

Today is pashmina from Pashmina international. If you follow this link then you can sign up and win a free pashmina from them -- Free Pashmina

E-books save time and money!

If you like to go on adventures and learn by reading books then e-books might be for you. If people switched over to reading e-books we would be saving the environment and money at the same time. By purchasing an e-book you have the ability to still read at your leasure, own the book out right, and make virtual notes on the pages as you read. The one big difference is that an e-book is about half the cost of a paper book that you get from the store. Almost every book that you can think of can still be bought as an e-book.

A big thing that influenced me to start using e-books is the environment. With the whole green movement that is going on right now, I felt as though this was one good way for me to do my part. By purchasing e-books you can save several trees over the course of your lifetime. It doesn't look like much when you look at a book, but when you add up all those sheets of paper over time it is a very large amount.

If you don't know where you can purchase e-books then here is a list of my faves:
Amazon.com
ebay.com
ebooks.com
mobipocket.com
buyebooks.com

Cheaper to go refurbished...

In this economy when things are tight for all of us we all begin to scrape around in our purchases to cut a few cents here and there. One of the best ways that I find to save a few extra bucks (sometimes 10-20% off of my purchase)is to buy refurbished items. These are usually electronic items that at one time were broken and sent back to the manufacturer to be repaired. The company fixes the problem to make it like brand new and sends it to the stores at a cheaper price. I buy all of my game systems, stereos, phones, and laptops like this. Some people are like "I don't want it to break down on me again". Well you are more apt for it to not break since the manufacturer did a closer inspection on these items than they did on the new ones. Even if it did get broken then you still have the same manufacturer warranty with most companies (although I would check depending on the store). Sometimes you even get a little extra warranty with these and you still save yourself some dough too. Always check and see if they have some refurbished items for what you are looking for, you might get surprised by the find!

Ten Meals on the Cheap

Sometimes we are strapped for cash and don't know if we will have enough money to make the next meal for our families. Well I have comprised a list of ten meals that I think are perfect for those times.

1.)Mac n' cheese with cut up hotdogs mixed in.
2.)Hamburger helper
3.)Spaghetti
4.)Meatloaf
5.)Chicken & Rice
6.)Eggs & pancakes (breakfast is good at any time of the day)
7.)PB&Js (an oldie but still goodie)
8.)Sloppy Joes
9.)Steamed asparagus
10.)Dollar menu at your favorite fast food place :)

These are just a few of the easy cheap meals that will save you some dough while still being a tasty treat.

You can also gather some recipes and ideas from the following sites:
1.)Rachael Ray
2.)Paula Deen
3.)HGTV
4.)Food Network
5.)Recipe Land
6.)Hillbilly Housewife
7.)Spark Recipes
8.)Hubb Pages
9.)Fitness Magazine
10.)Low Cost Vegan Recipes

Green lights

In crucial times such as this day in age we all have plenty of things that we have on our plates to worry about and that is from our President all the way down to the homeless. Rising costs of everything, the environment falling apart as we speak, and the financial well being of our future economy. We don't sit down and think about all these aspects and how one little change can evolve all these problems and turn them around. While sitting outside and looking at the beautiful tree scenery here around my apartment I think about the green on the trees. Whoa...green! That's the answer to the problem! Every little bit that you do to save the environment can also save you in future costs. Say you go out and buy new light bulbs and are checking out the wattage of them all, take a second and look at the box and see if it is eco-friendly. I started only buying these not only because they save the environment, but at the same time they save electricity. They can save you enormous amounts over a period of time. This may sound small, but if you could save 75% on each lightbulb's cost of electricity a year then it sounds a lot bigger right? These bulbs also tend to last quite a bit longer than your regular bulb too. They can last years even 6-10 years depending on the amount of usage. So, all in all you save on cost of bulbs over time, cost of electricity, and save the environment so that your kids can have a better place to live and a future of their own. I sure don't want my kids having to walk around wearing masks because the Earth's air is unbreathable. And, I love nothing more than to save a few extra bucks a month! Remember every cent counts!

E-book

If you would like a free e-book on how to start an online business then please email admin@allmojo.com

Embrasing who you are

During our upbringing we all tend to conform to how society makes us want to feel about ourselves and what we will end up being like in our adult years. Most of you grow up thinking that the best thing for you in your life is to be what your parents felt you should be. This is where you have to make a turning point in your own life. If you take one second, go sit in a quiet room alone, and ponder on what kind of person you really are. If you don’t like being around people figure out a way to work from home and not have to be around people all day long, if you like people think about going the other route and maybe working in the retail/real estate field. Don’t just go with what other people think you should be or where you are right now. Do what your heart and soul tells you to do. Here are some tips that I have gathered from several different motivational speakers and books in the past.

1.) Take time to yourself to think- If you can’t think about what you are going to do then how in the world are you going to do it? The ideas don’t come rolling until you can actually imagine them in your head.
2.) Don’t live your life in fear – Fear is what keeps us from being able to do what we really want to do. We are afraid of taxes, bankruptcy, and failure. But, if you don’t take the chance to try then how in the world are you going to ever get there. Without the risk there comes now reward. As they say, “you reap what you sow” . This is true with many different aspects in life.
3.) Gather information – Take some time out of your busy schedule to do some research and learn about what you want to do. If you want to get into real estate then read about houses, sales, and different techniques you can use. Or, if you want to start an online store then research the products, learn what your customers will want and need, and review other businesses to get an idea of how they are working.
4.) Strategize your plan of attack – Create a plan of implementation, marketing, and funds. You need to know from the start how you are going to run your business. Without this it will fall apart. You also need to know who you are marketing to and how you are going to market to them (i.e. physically, cold calling, SEO’s are a few ways). Funds are crucial! You need to figure out from the start what you are going to spend your future money on and what you are going to use it for. Putting money back into the business is necessary so don’t think that you are going to just keep it all, because you have to think about the fact of what you are going to do after that money is gone! You will need to continue making money for the future.
5.) Goals, Goals, and more Goals! – You need to set tangible and physical goals for yourself to make sure that you are getting where you need to be. If you don’t its just like walking around blind and not knowing where you are going. Goals also give you something to strive for or a star to reach for. Just don’t let those goals be your finish line. Keep going and going by increasing your goals as you complete the ones you made. Don’t make new goals until you have completed the ones you have already made though. Because, that could make them feel more unreachable and don’t make them too big from the start or you will lose interest and fall through the cracks and give up.

Finances Get Tougher So We Get Tougher

Hard times have hit us over the past few years and we have learned to cope with them. Debt, foreclosure, and negative bank accounts are a few of the problems that we have had. We have somehow always worked together to fix these situations. We have spent, lost, won, and made money. The only thing that you can do after these times is to make sure that you learn your lesson from them and know what you did wrong so that you can fix them or not do them in the future. Our big problem is that we spent big when were young thinking that we had all this money, but we really didn’t. It was all on credit cards, in our pricy cars, and a home that we were so proud to have at the age of 19. We thought that we were doing good until all the bills started to pile up and less money was coming in. One thing that you learn really quickly is that the debt collectors don’t really care if you are not making as much money or that you don’t have it. They want it then and there without any questions or excuses. Solution is to not get into debt or overspend, but if you are too late for that then just make sure you don’t do it again. Just be strong and hard through these times and be sure to not fret over these minor problems. The deeper in debt that you get the harder it is to get out. Just don’t do it! Cash all the way exept in truly severe emergencies and these don’t include fancy clothes or wine. Budget wisely and think before you spend. Research and analyze before you buy. Suzy Orman is a good person to listen to or watch to learn more about fixing and working with your finances.

Coupons, Coupons, Coupons

There is the time old way of saving cash which is coupons. Over the years coupons have been the main way people save money just by taking a few minutes a week sitting down and cutting coupons out of the newspaper, free local paper, or the coupon books you get in the mail. A new form of coupons that are sweeping today's time by storm is the e-coupons. These are coupons that you can either print out, email, or even put them straight on a stores preferred customer card. This makes it even easier for you and me to save a little cash when times get tough or you want to keep your money in your wallet. Sometimes a little bit of money can cause you to not be able to pay the mortgage, car payment, or even feed your baby! Don't over look these easy ways to keep your money to yourself and not share it with these large companies that want all of it. I compiled a list of some places and ways to get coupons to use when you go grocery shopping:

• newspaper (sometimes you don't have to get the local one check all of them)
• small local papers
• junk mail ad booklets
• E-coupons.com
• Couponmom.com
• Coolsavings.com
  
• Smartsource.com
• Kroger.com
• Target.com
• Savings.com
• Wow-coupons.com
• Ultimatecoupons.com
• Onlinecoupons.com

Make sure to check out all of these and use that nifty tool called google to find more.

Debit or Credit?

As a person that has been a retail manager for a about 10 years I can fully tell you that most companies will not want you to use your cards and try to get you to do debit if you do. This is for several reasons and most of these reasons are because they make more money this way. When you use your credit card it costs them more money than it does when you use your debit card and it costs them an even more money than when you use cash to handle these purchases. When you use cash it costs them not a cent in processing of your purchase but when you use a debit card it can cost them an average of 1%-5% depending on who the card is going through for a bank. When you use your credit card it can be anywhere from 3-12% of the total card charge just to swipe that card.

We don't realize it, but that swiping of the credit card can save you if you are careful and watchful of it. I am not saying to go rack up money on your credit card because it will save you money! But, when you use the right cards and do it right you can save a lot. I advise people to use a credit card that can be paid off within a month and not get charged for interest. Check and see if you get any discounts, points, or cash back on your purchase. Here is a few examples:

• When you use a card that gets discounts you may be able to save 1-15% at certain stores. If you check on your cards and see that you get a discount at a store and use that card you could save money. Let's say that you go to store X and spend $100 each time you go to it but you can go to store Y and save 10%, then you go to store Y and spend $100 you walk out only spending $90. If this is for groceries or gas and you do this on a weekly basis then you could possible get a savings of $520 a year ($100-$90=$10*52=$520). HUGE!!! Especially if you shop around and check out the stores they work with.

• Points and frequent flyer miles are a popular decision making area for people when they are credit card shopping. If you fly around a lot or use your card a lot for business and what not then this can be a huge thing for you. Take Visa, they tend to give points if you sign up for it online through them or your bank. You can get points for every $100 you spend and if you spend a lot then you can easily get a free vacation (or like I did got books from Barnes and Noble) or you could get fly miles to go on your next business trip. Only really good if you use your card a lot. If you can pay your rent or mortgage by using your card then do that because I racked up points very quickly by doing this.

• Cash back is something that some cards do that can save you some money. They will sometimes give you cash back on every swipe. If you shop at different places and don't know how much you spend then this is the way to go. You can save cents that add up every time you go fill up your tank. Lets say you save $.10 cents per week on gas then $10 on groceries, $10 on eating out for the month, mortgage payment and etc....as you can see it can add up quickly here and there over the months possibly saving you thousands.

I am completely against using cards except for this reason. It does not save you any money if you let your balance roll over every month or pay your minimums. Take your time and choose the right type of credit card for you and budget wisely so that you can pay them off before the interest starts accruing on them. Remember every cent counts in today s financial state!