Budget Saver

Save on Heating Costs

2008-11-30T07:33:00.000-08:00

1. Check around doors, windows and fireplaces that are drafty and seal off these leaks.
2. Don't heat areas of your house that you don't use regularly.
3. Turn down the heat a bit and put on a sweatshirt and sweatpants or a sweater.
4. Clean or change any filters that are dirty.
5. If your water heater is in an unheated space, wrap it with an insulation blanket available at hardware stores to prevent heat loss.
6. Open the blinds and curtains and let the sun shine heat your home.
7. Run ceiling fans in reverse to push warm air back down.
8. Wash clothes in cold water when possible.
9. Use extra blankets at night.
10. Light the fireplace.

Money Saving Tips

2008-06-08T06:49:00.000-07:00

Save on Gas

1. Car Pool
2. Use Public transportation
3. Keep vehicle maintained, change oil, check tire pressure, replace air filters
4. Combine errands
5. Share a ride with neighbor or friend for shopping trips
6. Try to avoid drive thru’s (turn engine off while waiting)
7. Use Walmart Gift Cards, if you pay for gas (at Walmart pumps) you save 3 cents per gallon
8. Pumping gas in the early morning is a myth
9. Don’t carry extra things in your trunk. The heavier the load, the more gas it uses.
10. Slow down (Each 5 mph over 60 is like paying 15 cents more per gallon.)
11. "Gas Saving" products usually don’t work (save your money)
12. Don’t "top off", it will spill out if gas cap is not well sealed.

Save on Groceries

1. Make a list and stick to it
2. Coupons
3. Buy on Sale
4. Stock up when on sale (share w/ neighbor)
5. Check sales flyers, Walmart will price match
6. Don’t buy more perishables than you need (you're not saving if you have to throw it away)
7. Don’t shop on an empty stomach
8. Buy in Bulk (share/split cost w/ friend or neighbor) Shop at Wholesale clubs: Sam’s Costco’s, BJ’s
9. If possible start your own garden
10. Always check receipts for mistakes

Save on Household Expenses

1. Change to florescent light bulbs
2. Unplug appliances when not in use (even if it is turned off, electricity is still flowing to it)
3. Clean or replace filter in ac unit
4. Clear outside debris from unit (leaves, grass, weeds can restrict air flow)
3. Seal off any cracks or openings near windows and doors (especially window around units)
4. Tint Windows, use Room Darkening Curtain or Shades
5. Close off rooms that you don’t use
6. Use ceiling fans or personal fans
7. Don’t let water run unnecessarily (brushing teeth, doing dishes)
8. Wait for a full load of laundry
9. If possible hang clothes out to dry
10. Get rid of call waiting, call forwarding, long distance service (use calling card) or if you can do without it, do away with land-line
11. Cancel HBO, Showtime
12. Cancel Gym Membership (exercise at home)
13. Cancel Newspaper (read on line) or share subcription with neighbor
14. If possible, brown bag your lunch
15. Drink coffee at home (it's cheaper than coffe shops and convenient stores)
16. Shop at yard sales, thrift stores, good will
17. Buy Seasonal items off season (Christmas items after Christmas, Summer clothes after summer)
18. Pay bills on line (save on stamps)
19. Deposit your money checking account (only keep what you need on hand)
20. Always keep track of your money

Save on Entertainment

1. Use restaurant coupons
2. Go to a restaurant that has buffet
3. Go to a Matinee
4. Check out movies and cds from the Library for free
5. Check newspaper or on line for free entertainment (festivals)
6. Play board games

Earn Extra money

1. On line Surveys
2. Point programs
3. Click thru’s

*All Money making/point programs listed on this site has proven to pay out. I personally tried many online programs and I only post (and those listed on the right side) those that really do work

ZoomPanel

2008-06-07T14:55:00.000-07:00

Rochelle is a member of ZoomPanel and thought you might be interested in joining.
ZoomPanel is an online community of consumers that shares opinions about products and services. You can provide feedback to some of the world’s best-known companies including Burger King, Microsoft, Proctor and Gamble and General Mills.

You’ll receive email surveys each week where you’ll review or preview products and services. Tell us what you think of them and those opinions will be anonymously shared with the respective company. Your voice will speak for millions and influence products ranging from the flavors and packaging of food products to new menu items offered by restaurants.

For each survey you complete, you’ll earn ZoomPoints redeemable for rewards ranging like electronics, music downloads, books, gift cards and much more!
Click the following link to learn more about becoming a member so you can start earning free rewards.

ZoomPanel

Synovate Global Opinion Panels

2008-06-07T13:51:00.000-07:00

‘m a member of Synovate Global Opinion Panels and thought you might want to become one, too.
For almost 60 years, Synovate has collected opinions from people to improve products and services in the marketplace. And, their panel members earn rewards - last year alone, Synovate awarded over one million dollars in cash and prizes.
JOIN NOW!
Click on the link below to complete Synovate‘s registration survey and become a member:
Synovate Global Opinion Panels

GlobalTestMarket

2008-06-07T13:22:00.000-07:00

You have been referred to us by Rochelle (krafkraz@yahoo.com) as someone who might be interested in being a member of a worldwide online community called GlobalTestMarket.

We think you might enjoy being a member of this free service because it offers a variety of benefits:

Participate in the research and development of new products and services by voicing your opinion in online surveys. These surveys or studies are taken by consumers from around the world who help guide the product development process at sponsoring companies.

The process is rewarding and entertaining. We are continually investing in new ways to make the product development process as interactive as ever.

- You will see that we safeguard your privacy, safety and security. Because we are a global company, we must comply with a large number of national and local laws.

- As compensation for your time, you'll earn MarketPoints, the online currency of GlobalTestMarket. MarketPoints are redeemable for cash.

- In the event that you are not interested, no action is required on your part.

So join today by visiting GlobalTestMarket

We look forward to your participation and insight.