Holiday shoppers love their credit cards

http://www.savingadvice.com/forums/showthread.php?t=3696&styleid=7

Donating To Earthquake & Tsunami Victims

I have been so sadden by the events in Southeastern Asia. I can't imagine the horror and the fear that people are going through right now. God bless all of them.

Donating To Earthquake & Tsunami Victims

Sometimes events take place in the world that transcend borders, nationalities and religions. The recent earthquake and following tsunami (tidal wave) in Indonesia that has killed many tens of thousands of people and displaced millions is one of those events.

For those wondering how you can help those who were affected by this tragic event, the following charities are collecting donations and helping out in the areas damaged:

Action Against Hunger
212-967-7800
http://www.aah-usa.org

ADRA International
800-424-2372
http://www.adra.org

American Friends Service Committee
(AFSC Crisis Fund)
888-588-2372
http://www.afsc.org

Direct Relief International
805-964-4767
http://www.directrelief.org

Doctors Without Borders
888-392-0392
http://www.doctorswithoutborders.org

International Medical Corps
800-481-4462
http://www.imcworldwide.org

International Federation of Red Cross and Red Crescent Societies
P.O. Box 372
CH-1211 Geneva 19
Switzerland
http://www.ifrc.org

MAP International
800-225-8550
http://www.map.org

Mercy Corps
800-852-2100
http://www.mercycorps.org

Network for Good
http://www.networkforgood.org

Operation USA
800-678-7255
http://www.opusa.org

Relief International
310-478-1200
http://www.ri.org

Save the Children
800-728-3843
http://www.savethechildren.org

United Nations World Food Program
202-530-1694
http://www.wfp.org

United States Fund for UNICEF
800-486-4233
http://www.unicefusa.org

World Concern
800-755-5022
http://www.worldconcern.org

World Relief
443-451-1900
http://www.wr.org

World Vision
888-56-CHILD
http://www.worldvision.org

********************************
Information provided by http://www.charityclickdonation.com

Are you returning gifts this year?

I am debating. My mother bought me sweaters that are just not my style. Heck what style does a 34 yr work at home mom besides jeans and a sweatshirt. LOL Today I switched out of my jeans into my flannel pj bottoms as soon as I got back into the house.

I worked for Lechmere's in Boston for years and remember the week after Christmas as hell. Lots of returns and people brought back gifts that were years old. Okay you are returning Atari that came out in 1984 in 1990. Yup that was a gift....

Well if you are going to make returns Check out these tips http://cbsnewyork.com/topstories/topstories_story_362074441.html

Enjoy your savings!
Theresa

How much money will make you happy?

Let's cut right to the chase here. How much money is enough? How much would make you happy this holiday season? We mean really happy.


http://www.usatoday.com/life/lifestyle/2004-12-26-money-happiness_x.htm


Personally for me... just enough to pay the bills and not stress about how I will pay this bill or that bill each month. Plus enough for a nice long vacation each year paid in cash :)

How about you?

Enjoy your savings!
Theresa

Coupons where to get them!

I get a lot of questions on where to get coupons!  I am not a huge
coupon person. Too disorganized but you can check out a recent newsletter
article Coupon Saving Tips

 

 CoolSavings 
Great place to find online coupons! 

You can call the manufacturer and let them know you like their products

ConAgra Foods Consumer Numbers  Hunts, Banquet,  Healthy Choice

Betty Crocker Biquick,
Hamburger Helper, Progresso Soups  Old El Paso and all sort of deserts

Proctor and Gamble  Crest,
Bounty, Pantene    Many more

Del Monte Foods Company 
Delmonte,  College Inn Broths 

 Heinz Ketchup, Smart
Ones, Or-Ida 

Campbells  Soup
is good food!

Kraft  So many products! 

Shoppers hunt for bargains

They don't want customers to EVER use those gift cards. They want them to forget about them, or lose them, or cut them in half. The retailer already has the cash and doesn't want to have to part with the merchandise. The longer someone takes to use their gift card, the more they're ripped off in junk fees. Shoppers Hunt for Bargains

Gift Card Warnings

 

Anonymous donor gives $35,000 to homeless-shelter residents

DENVER (AP) — The 300 residents of the Samaritan House homeless shelter didn't know what to expect when a 40-something man with a gray beard parked his black SUV in front of the shelter on Christmas Eve.

http://www.usatoday.com/news/nation/2004-12-26-homeless-donor_x.htm

Such a beautiful story...

Last minute Holiday Gifts

Rates so Low, Even Santa is Excited
Find prepaid calling cards online with quality connections at low discount rates. Save money with prepaid long distance to and from the U.S. and virtually every international destination
worldwide. Compare rates quickly using our rate finder, shop securely and
receive PINs instantly. Every purchase is backed by our phone card
guarantee

A few extra bucks

No one is going to get rich by doing surveys online but when you are on a budget every little things helps. Sometimes a nice treat helps or it could be gift for somone next year! Here are some of my fave ones!

Earn Points toward Free Gift Cards for your favorite stores and restaurants, DVD Rentals and Movie Passes

It's Fast. It's Fun. It's FREE! Get Gift Certificates to Home Depots, Blockbuster and more .

Free Cash! Free Stuff!


Enjoy! Good luck in your savings!

Recycling Christmas Cards, Money Jar Gifts

Hello and Welcome!

In this week's issue Living on a Budget in a Non Budget World
Newsletter
Money Saving Tips
Featured Article Recycling Christmas cards
Frugal Homemade gift idea Money Jar and The Gift of Gas
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Pantry Challenge Recipe Tuna Tomato Skillet
Money in the News Warnings about Payday loans



Read this issue at:

Frugal
Living Newsletter

Enjoy! Best of luck in your savings

Theresa

Unitel Reduces Interstate Rates To 2.7 cpm

Unitel continues it's trend of offering groundbreadking
new rates and this week's reduction is one of their all
time bests. Unitel Communications Group, Inc. now offers
business and residents outstanding (USA-48 origination)
service at 2.7¢/minute featuring low In-state rates AND
ultra-low International rates. Unitel Long Distance
Service provides US-based companies and individuals with
extraordinary savings and the utmost convenience on all
international and domestic long distance telephone calls.

Unitel Long Distance

PNG Local Service Now Available

PNG Local Service Now Available

PowerNet Global now offers residential local dial tone
service in areas of CA,FL, GA, IN, IL, KY, MA, MD, MI,
MO, NC, NJ, NY, OH, PA, TX, VA, WA and WI. (More states
will be added soon.) Now you can have PowerNet Global
for both local service and long distance. There are
four basic packages to choose from. One package even
offers Unlimited Long Distance calls to USA and Canada!

PowerNet Global Local and Unlimted Long Distance Services

Dave Ramsey

Dave Ramsey who is one of my favorite money gurus out there will be on
Friday's CBS Early show which is on 7am9am eastern time.
Dave has two great websites
www.daveramsey.com and
www.totalmoneymaker.com





If you are really serious about getting out of debt check out Dave's two best
selling books:

Financial Peace: Restoring Financial Hope to You and Your Family


The Total Money Makeover: A Proven Plan for Financial Fitness


Enjoy your saving



Theresa

www.budgetdial.com

Creative Gift Wrapping, Frugal Gift ideas, Holiday Bread Recipes

Hello and Welcome!

In this week's issue Living on a Budget in a Non Budget World
Newsletter

Money Saving Tips
Featured Article 25 Festive Christmas Gift Wrap Ideas
Frugal Homemade gift idea Movie Snack Attack Basket
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Easy Holiday Quick Bread Recipes
Money in the News Holiday scams, Gift Card Warnings


Read this issue at:

Frugal
Living Newsletter

Enjoy! Best of luck in your savings

Theresa

How to Winterize your car, Holiday Leftover ideas

Hello and Welcome!

In this week's issue Living on a Budget in a Non Budget World
Newsletter

Money Saving Tips
Featured Article How to Winterize your car
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Holiday Leftover Ideas
Money in the News End of the Year Tax Planning


Read this issue at:
Frugal
Living Newsletter


Enjoy! Best of luck in your savings

Stretching your Holiday Dollar, Money Saving Tips

Hello and Welcome!

In this week's issue Living on a Budget in a Non Budget World
Newsletter

Money Saving Tips
Featured Article Stretching your Holiday Dollar
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Pantry Challenge Recipe Hot Dog Casserole
Money in the News Rising College Costs

Read this week's issue

Frugal
Living Newsletter

Enjoy! Best of luck in your savings

Theresa

How to use coupons, Pantry Challenge Frugal Recipes

In this week's issue Living on a Budget in a Non Budget World
Newsletter

Money Saving Tips
Featured Article Coupon Savings Tips
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Pantry Challenge Recipe Tator Tot Casserole
Money in the News The new Check 21 law

Read this issue at:

Frugal
Living Newsletter

Enjoy! Best of luck in your savings

Theresa

Cheap Halloween Costumes for Girls

Girls love to dress up. Many of their costume can be made easily and cheaply. The following are some great ideas for gril costumes from angels to witches to everything in between.


Angel Costume

Angel Costume from Family Fun Magazine

Autumn Fairy Costume

Fairy Princess Costume

Flower Fairy

Queen, Princess or Fairy Costume


Sparkley Shoes Great for a fairy, princess or Dorothy from the Wizard of Oz costumes

Cheerleader


Cowgirl or Sheriff Costume

Witch Pirate Girl Costume


Search for Girls Clearance Costumes

Enjoy your savings!

Theresa

Setting up a budget, Frugal Halloween Costumes

In this week's issue Budget Dial Communications Living on a Budget in a Non Budget World
Newsletter
Money Saving Tips
Featured Article Setting up a Budget
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
Holiday Saving Alert: Frugal Halloween Costumes
Money News on the web Focus on Heating Saving

Read this issue at:

Frugal Living Newsletter

Enjoy! Best of luck in your savings

Theresa

Cheap Halloween Costumes for Boys

Boys love Halloween. Many of their costume can be made easily and cheaply. The following are some great ideas for boys costumes from athletes to bad guys and everything in between.

Baseball Player
Football Player
Soccer Player
This costume’s a winner for the soccer fan in your household. Simply have your child wear a short sleeved v-neck sport shirt over a long-sleeved T-shirt (use her team’s favorite colors). Use cloth tape to write the star’s number and name on the front and back of the jersey. Finish the uniform with shorts, knee socks, sneakers, and sweatbands. The perfect goodie carrier? A small duffel bag.
Superman
Doctor
Make a simple doctor costume with a lab coat and a few other items. Wear a nice shirt and pants underneath the lab coat. From there, modify the costume to fit the type of doctor you want to be. Glue an old CD to a headband or piece of elastic to wear across your forehead to be an old-fashioned doctor. Carry a black bag to be a traveling doctor. Wear army fatigues under your coat to be a military doctor. Carry around a clipboard to be a hospital administrator.

Pirate Boy
Harry Potter


\Check out pinterest for super great ideas