Archive for the ‘Recession’ Category

Can I Really Get Cheap And Safe Babysitting In This Economy Crisis?

Wednesday, July 8th, 2009

Childcare can be one of the most expensive services that families have to pay for. With a global economy crisis happening, many families are feeling the crunch of trying to reduce their household expenses. Beyond coupons and finding opportunities to buy for cheap, the need to greatly reduce their budget to make ends meet is a very pressing issue for many. But, there are other ways to get cheap and reliable childcare, even as families are going through the economy crisis.

Here are 2 ways to reduce the overall expense of childcare and still ensure that your child is safe and happy:

Develop a babysitting “co-op” with a few close families that also have children. Together, create a plan that will allow for you all to realize a financial saving on childcare by watching each others’ children. If you are already close, then your children will know each family and will feel safe and comfortable being with them. By breaking up the childcare into bit that each family can handle, everyone will benefit

Pretty much, you just set up a schedule that works for everyone, which would allow for people to have special nights out, daily afterschool care, or full weekend coverage. Plan on a quarterly basis to keep it flexible, open, and fair. It would be even better if you make a pact to offer special activities, low or no cost, for the children, such as learning certain skills or participating in certain free community programs when they are in each family’s care. That will keep the kids from being bored and the families from feeling overwhelmed.

Another possibility is to get your own family involved. Many people have a young or unattached relative that would probably love to mind your children. If you have a relative that is a college student or that would like to stay someplace for practically free, then a live-in situation could work for all of you. With everyone trying to save a few dollars, your family could really save a lot of money.

The cost of weekly childcare at a professional day care center can run a family upwards of $300-400 per child. Just by having a live-in childcare arrangement in place, a family realizes a huge saving. Cost-reduction for live-in childcare could be as much as 75% or about $200 savings per week. It’s definitely worth it for everyone involved. The children get the attention and love of a family member, you get peace of mind that your child is safe, and the relative gets to save a few dollars which could really help them to manage their own costs of living.

Your family will appreciate the saving, cost reduction, and opportunity to try a new way of getting your childcare taken care of with these two easy methods. During this economy crisis, everyone is looking for alternatives that will work for their families. Reducing your child care expense could be just the break that your family budget needs!

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Some Information You can’t Ignore

Sunday, May 3rd, 2009

Some people are not just prepared when they sell their structured settlements. When you contact a company that purchases structured settlements, you’ll require understanding three pieces of information.

The first essential piece of information is something you should know already. How much are your payments? Knowing the dollar amount of each payment provides a starting point for calculating the current cash value of your structured settlement. Of course, if you’ve overlooked the exact amount of each payment, you can locate your most recent check stub and find the amount there.

The second information a potential buyer of your structured insurance settlement will require you to know is the frequency of payment. Approximately how often do you accept a payment? There payment periods like once a month, once each quarter, or once a year. Double check with your bank deposit records also to verify.

The last piece of information is how many payments are yet to be received. The prospective vendee will desire to recognize how long into the future you will be obtaining payments or how many payments are remaining in the structured settlement. If you’ve disregarded how long the payout period is, you may require consulting to the primary written documents that created your structured settlement. You will also require deciding whether you intend to deal all future payments or if you are attempting a quote for merely a part of your future payments.

Structured Insurance Settlements.com is a site dedicated to learning how to purchase structured settlements safely and get the best offer possible plus make sure you are dealing with financially stable company.

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How To Lower Your Bad Credit Mortgage Payments Now

Saturday, April 18th, 2009

If you have a bad credit mortgage out, you may be experiencing some difficulty in getting the monthly payments in on time. In addition, you may believe that you are paying too much for the same type of mortgage another person is paying. If this hits close to home, there are some points to discuss in remortgaging.

A remortgage can help consolidate your debts if you are looking to put all of your bills into one, and apply a single interest rate to them. This is a great help when you are struggling to make ends meet with bills piling up each month. It may mean that you will have to pay your bills over a longer term period, but at least you will have a more comfortable lifestyle to pass onto your family as a result of a smaller burden to carry.

It is also possible to actually lower the amount of debt you have from a result of a remortgage. If current interest rates are lower than they are when you signed a fixed mortgage interest rate, then you can sign on under a better rate and cut out months of payments you would have to had pay otherwise. This may not always happen, as the interest difference may need to be substantial.

Some lenders will work with the borrower in order to space out payments over a longer time span. This is actually a plus for lenders, who will enjoy the extension in interest rates they collect. For the borrower, it allows them to lead normal lives and free up cash to buy things they need in order to do so.

It is extremely likely that you will need to either visit your normal lender or one who specializes in bad credit mortgages in order to obtain the remortgage. Most mainstream lenders will not agree to a mortgage if they don’t have the client with bad credit on file already as a customer, given that they don’t need a risky investment. Although it is worth trying to get a broader selection, try to focus your attention away from mainstream branches of banks.

As with any mortgage, a bad credit remortgage is going to take skillful planning. A borrower will soon find their finances in trouble if they don’t plan a proper budget before applying for the loan. Allowing money for a deposit, mapping out monthly payments even in the event of a job loss, and planning for emergencies is important before jumping into a contract.

Final Thoughts

Even if you have bad credit you shouldn’t be worried about obtaining a bad credit mortgage loan. Some lenders will even take on the worst cases of bad credit, so long as you have a steady job and proof of income, as well as a good show of financial responsibility and character.

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Reasons Why Work-At-Home Moms Can Weather the Recession

Saturday, April 18th, 2009

It’s all over the papers and prime time news broadcast. Thousands of workers everywhere in the United States are losing their jobs each and every month for two straight years now and the number of unemployed is growing at a steady rate. A lot of people who have jobs at the moment are spending sleepless nights worrying if the next working day will be their last day on the job.

With the economy continuing on its downward spiral, it wouldn’t be surprising that a lot of people are considering some alternatives to a 9 to 5 job. One of the most practical alternative is a work-at-home career which is getting to be popular especially among moms who would rather spend more time with their family.

Mothers who work at home have a huge advantage than those who are stuck in office buildings because of several factors.

Less out of pocket money

Almost everyone knows that work-at-home moms save on transportation cost. There are, however, several expenses that are eliminated or greatly slashed when a woman chooses to work at home. Not only is there a lesser demand for fuel and car repairs, but childcare expenses is also cut down drastically.

Still, a lot of work-at-home moms still place their kids in day care a few times a week or hire another mother to keep their kids occupied while they work, but the expense now is more manageable than full-time care.

Many minor expenses are trimmed down just as well. Take for instance office workers. Most of them eat their lunch at fast foods or a local deli. Even a $10 lunch per workday can add up in a month and if you get your coffee at Starbucks on your way to work, then it could translate into a bundle. These expenses are curbed when you work from home. If you’ve got your own business, then you can save a lot on overhead cost, too, if you do it at home.

More quality time

Working mothers miss the opportunity of spending more time with their youngsters. Though moms working at home can be quite busy at times, they do see more of their children and, considering they’ve cut out the commute, they can spend more hours to enjoy with their youngsters.

One added bonus for working at home is that moms are able to work when the children are in bed. The most fulfilling jobs do include a lot of hard work but it seems easier to do when you’re near the company of your loved ones.

Passion that leads to success

It’s easy to develop a dangerous complacency in your daily rat race where nothing you accomplish actually makes any significant change in the amount of money you take home every payday. When you’re operating your own home business, it’s a lot easier to immerse yourself in it and you’re inspired to work harder because of your dedication to your work, something that nearly always makes a winner.

Moms who work at home are well on their way to face whatever challenge this worsening economy has to hurl at them. They are pliant, dedicated to their work and determined enough to see their business through these hard times.

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Money-Saving Tips to Recession-Proof Your Budget

Sunday, April 12th, 2009

The current recession has many people worried where their money is going or where it went. Now that the recession is on its second year, many people are learning to hang on to their hard-earned cash, though not as tightly as they should. Perhaps they haven’t began to realize yet that this is one of the worst financial times since the Great Depression.

For the people who are convinced that the recession can get worse, whether you are out of work or just hanging on from one day to the next, you can make your finances last a little longer by considering the money-saving steps below.

Utility bills

As a homeowner, practice energy-saving steps such as replacing repairing leaky faucets and shower heads, caulking your windows, switching from incandescent to fluorescent lighting, switching off the heat and air-conditioner before leaving the house and other resource savers to bring down your utility bills every month.

For apartment dwellers

If you’re an apartment dweller, compare what you spend on rent payment to the salary you receive. The basic rule is your paycheck should be 3 to 4 times more than your rent money. If your rent payment is half the amount of your salary, then you can consider downgrading to a cheaper apartment.

Car maintenance

Most car manufacturers prescribe an oil change for every 6,000 miles, and not 3,000 miles as we are made to believe. Checking the car owner’s manual for the factory-recommended oil change interval will allow you to save some extra cash. You can also perform the oil change yourself and save yourself $20 every time. A do-it-yourself oil change is quite simple; just do a Google quick search for hundreds of D.I.Y. articles.

Regularly check your tires and ensure they have the correct tire pressure to attain maximum gas mileage. Be sure to drive within the speed limit as speeding guzzles a lot of gas.

Compare the insurance rates of the different auto insurance providers in your vicinity. Regrettably, many car owners get too attached with their insurance company even if their rates have increased while their competitors haven’t. You can easily save around a few hundred dollars yearly with just a few phone calls.

Shop smart

Say goodbye to those trips to Taco Bell and start eating at home more often. Taking your meals at home not only allows you to eat more nutritious food; it can put hundreds of dollars back in your wallet in savings.

Read more of the Sunday papers and search online for printable coupons on basic household commodities. Many people reported saving more than $40 a week just by using coupons at the grocery store.

When stopping for gas, refrain from buying stuff at the convenience store. The prices of convenience store items are 10% to 40% higher than in a typical grocery store. If you have a sweet tooth for chocolate bars, then stock some in your car in case you want to nibble. A Hershey’s six-pack sells at $1.50 at the grocery store while one bar costs $.75 at a convenience store.

Take the time to break down and analyze your daily and monthly spending. You will discover there are more areas to slash to save you a bundle every month.

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Saving On Birthday Parties

Wednesday, April 8th, 2009

by Alexandra Vrugt

Birthdays are wonderful family times that can give you years of fabulous memories. But, planning a party can take a lot of effort and money. Many families want to have a fantastic event but simply cannot afford to spend massive amounts of money to make it happen. With a little prep work and creativity you can give that special person the party of a lifetime without taking a lifetime to pay it off. Here’s how:

Invitations - Use items that you have around the house to make unique invitations. A simple index card can be transformed into car, flower, or any jungle friend with the use of scissors, markers, or crayons. They are a very low cost alternative, if you have them handy, and because they have lines, you can write all of the party details neatly on the back! You can also use old magazines and cut out pictures, words, and letters from them to create a message on each invitation. One of the great things about these type of invitations is that you can make the “extra special” and personalized for the recipients. Another low cost alternative include buying cheap invitations from a dollar or discount store. However, the two cheapest ways to invite your guests is with a phone call or email. There are tons of free email invitation templates online!

Goodie bags - Buy all of your candy and party treats such as stickers and little toys after the major holidays to get the biggest savings. There is usually an abundance of candy available after Halloween, Christmas, and Easter, most of which comes individually packaged and has a shelf life of a year or more. The best part of buying these goodies after the holidays is that they are usually discounted upwards of 75-90% off of the regular retail price.

Party decorations and supplies - Canvas the party store for items that they are either discontinuing or that are “out of season”, such as Hawaiian themed items during the fall months. Either go with a theme or a color based on what is available and build your party decor around it. If your child’s favorite character wears a green costume, get everything green that they have after Christmas or St. Patrick’s Day, mix and match, and only spend money on one or two “character” pieces. Your child will be happy to see his or her favorite character, but will not even think twice about why their character is not only “everything”. However, if you must make the character more visible, buy the cheapest stickers available and place them all over the place.

Food - Cheap finger foods such as hotdogs and chips are great for kids. Also, keep an eye out for coupons for a national pizza shop such as Domino’s or Pizza Hut, which can greatly reduce the cost of purchasing pizza. Another alternative to store bought pizza is to either use frozen pizzas which can be bought for individuals or cut to feed a couple of children, or let the kids make the pizza themselves with you buying the supplies with coupons from your local grocery store.

5. Place - Renting a facility for a party can be a very pricey endeavor, but just popping up with a group of kids doesn’t have to be. One way to save is to sign up for member discounts with places that you may want to take a group of kids to celebrate. One option is your local movie theatre, which may offer discounts for members of their email club or may even provide coupons in the weekly newspaper. Another option is to encourage other parents to look out for discounts and then all of you can pool your resources and save a ton of money! For a fun gathering place, try a community center or swimming facility that offers space for free or a nominal fee, which may be less than $10 per hour.

There are so many ways to save and still have a blast. Planning, creativity, and utilizing as many free resources as possible can make your event a huge success despite the frugal price tag!

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Stop by at:  www.makeendsmeetonline.com and collect a FREE Ebook called “15 Top Ways To Save Money” written by Alexandra Vrugt.

Saving On Baked Goods

Wednesday, April 8th, 2009

As the price of some of life’s staples rise, many families have started to cut back on what is perceived as the more expensive groceries, such as meats. Sad to say, but in a family, those steaks and chops are usually the first thing to get axed from the shopping list, in favor of cheaper alternatives or double duty protein items such as dairy products. But hold on…you may not have to cut out that shoulder and bacon if you get a little creative with your shopping.

Here are a few ways that you can get your meats and eat them too:

1. Buying a pack of bacon can be very expensive. Before you dish out $4 for a 12 oz package, do some research. Bacon is usually available in national brands. These brands often offer coupons for their products. Collect your coupons and when the bacon goes on sale, usually a Buy One, Get One deal works best, then you buy enough to use and freeze for later. Another way to get cheap bacon is to buy the “Ends”, which are the slices that are left after the butcher has cut away at the whole slab. The ends are usable as bacon slices and may contain chunks that you can use to season other foods. The ends usually cost about $1.25 per pound or less!

2. Chicken is almost always available in the reduced-price meat section. Not only can you buy when they slash the prices, which are usually reductions of 25-60% off of the regular price, but you can also buy bigger portions when they are on sale. For example, it is almost always cheaper to buy a whole chicken, which usually goes on sale at 69 cents or less per pound, than to buy just the chicken breast, which usually bottoms out at 89 cents. Another option is to buy chicken leg quarters, which are very messy to clean, but often get reduced as low as 39 cents a pound!

3. Steak is great, but the price can be a bit daunting…if you don’t catch it on sale. Only buy steak and other red meats when they are on sale. Ground beef often goes on sale for less than one dollar a pound. Then, the stores will often reduce the price even more. When you see this happening, bulk up! But, be careful with buying marked down steak. Often, certain cuts of beef are already priced high, so when they reduce the price, it’s still a very expensive proposition. Check the prices of all of the different cuts and compare them. That way, when they go on sale, you know which is the best possible deal for your family.

Most supermarkets present their mark down meats in the very early morning or right before closing. Shop early and shop late for the best deals. Also, even though it’s not often broadcast or promoted, many grocery stores will match prices from their competitors if you present them with the weekly circular. Finally, different products that are common accompaniments with meat will sometimes offer discounts on meat and poultry if you purchase their products. Many times, these offers are for FREE Meats! Take advantage of them when the products themselves go on sale to really rack up savings.

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Stop by at:  www.makeendsmeetonline.com and collect a FREE Ebook called “15 Top Ways To Save Money” written by Alexandra Vrugt.

How To Get a Leg Up on Meat and Poultry Savings

Wednesday, April 8th, 2009

by Alexandra Vrugt

As the price of some of life’s staples rise, many families have started to cut back on what is perceived as the more expensive groceries, such as meats. Sad to say, but in a family, those steaks and chops are usually the first thing to get axed from the shopping list, in favor of cheaper alternatives or double duty protein items such as dairy products. But hold on…you may not have to cut out that shoulder and bacon if you get a little creative with your shopping.

Here are a few ways that you can get your meats and eat them too:

1. Buying a pack of bacon can be very expensive. Before you dish out $4 for a 12 oz package, do some research. Bacon is usually available in national brands. These brands often offer coupons for their products. Collect your coupons and when the bacon goes on sale, usually a Buy One, Get One deal works best, then you buy enough to use and freeze for later. Another way to get cheap bacon is to buy the “Ends”, which are the slices that are left after the butcher has cut away at the whole slab. The ends are usable as bacon slices and may contain chunks that you can use to season other foods. The ends usually cost about $1.25 per pound or less!

2. Chicken is almost always available in the reduced-price meat section. Not only can you buy when they slash the prices, which are usually reductions of 25-60% off of the regular price, but you can also buy bigger portions when they are on sale. For example, it is almost always cheaper to buy a whole chicken, which usually goes on sale at 69 cents or less per pound, than to buy just the chicken breast, which usually bottoms out at 89 cents. Another option is to buy chicken leg quarters, which are very messy to clean, but often get reduced as low as 39 cents a pound!

3. Steak is great, but the price can be a bit daunting…if you don’t catch it on sale. Only buy steak and other red meats when they are on sale. Ground beef often goes on sale for less than one dollar a pound. Then, the stores will often reduce the price even more. When you see this happening, bulk up! But, be careful with buying marked down steak. Often, certain cuts of beef are already priced high, so when they reduce the price, it’s still a very expensive proposition. Check the prices of all of the different cuts and compare them. That way, when they go on sale, you know which is the best possible deal for your family.

Most supermarkets present their mark down meats in the very early morning or right before closing. Shop early and shop late for the best deals. Also, even though it’s not often broadcast or promoted, many grocery stores will match prices from their competitors if you present them with the weekly circular. Finally, different products that are common accompaniments with meat will sometimes offer discounts on meat and poultry if you purchase their products. Many times, these offers are for FREE Meats! Take advantage of them when the products themselves go on sale to really rack up savings.

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Stop by at:  www.makeendsmeetonline.com and collect a FREE Ebook called “15 Top Ways To Save Money” written by Alexandra Vrugt.

Fixing Things So You Can Enjoy Them Long Term

Wednesday, April 8th, 2009

by Alexandra Vrugt

Vacations You Can Buy For Cheap

Everybody needs a break at some point. Who can’t use and appreciate a restful vacation? But, a vacation seems to lose some of its relaxation when there is a big price tag attached to it. It is so much better when you can buy for cheap a great vacation package that your family can enjoy without returning with empty pockets.

Here are a few ways to save on your next vacation:

1. Try a website like Priceline.com or Hotwire.com where you can either choose your own pricing for hotels, flights, and car rentals, or you can exercise flexibility with regard to the hotel name and save a ton of money. These websites can offer discounts as high as 70% off of the regular rate!

2. Swap houses! This is a popular way to save on vacation costs. There are plenty of people in some really cool and exotic places that are willing to switch homes for a period of time. You may only have to pay a portion of the utilities to cover your stay. Imagine being able to buy for cheap a Paris vacation home or London flat! Craigslist.org is a great place to look for people that are willing to make a swap. Do your best to investigate the area of the vacation home and get plenty of pictures from the owners. Of course, make sure to always check references and never leave anything of considerable value in your home. Even though you want to save, you always want to be safe.

3. Consider listening to a time-share pitch. These 2 hour meetings are worth every moment that you get to spend in the luxury hotel that they usually put you up in. Many times, they will throw in a show or free dinner for two. Remember, just because you listen to someone trying to sell you on the idea for a couple of hours doesn’t mean that you have to actually buy. But, if you do decide to go into it, time-shares are another way of possibly saving on vacations and future travel.

4. Join a vacation club or use a rewards program to save! These two options will allow you to buy for cheap and without paying in a lump sum. Vacation clubs are usually an installment program that will allow you to save a few dollars at a time. The members also have access to different deals and savings programs that other are not privy to. Reward programs are fabulous ways to get free hotel nights, car rentals, or upgrades. They are also perfect savings tools because most reward programs do not require you to pay anything! You sign up for free and accumulate points or rewards toward free future travel. Sometimes, you don’t even have to buy anything before you start receiving insider travel discounts. Either way, you can’t go wrong!

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Stop by at:  www.makeendsmeetonline.com and collect a FREE Ebook called “15 Top Ways To Save Money” written by Alexandra Vrugt.

Decorating On A Budget

Wednesday, April 8th, 2009

by Alexandra Vrugt

Vacations You Can Buy For Cheap

Everybody needs a break at some point. Who can’t use and appreciate a restful vacation? But, a vacation seems to lose some of its relaxation when there is a big price tag attached to it. It is so much better when you can buy for cheap a great vacation package that your family can enjoy without returning with empty pockets.

Here are a few ways to save on your next vacation:

1. Try a website like Priceline.com or Hotwire.com where you can either choose your own pricing for hotels, flights, and car rentals, or you can exercise flexibility with regard to the hotel name and save a ton of money. These websites can offer discounts as high as 70% off of the regular rate!

2. Swap houses! This is a popular way to save on vacation costs. There are plenty of people in some really cool and exotic places that are willing to switch homes for a period of time. You may only have to pay a portion of the utilities to cover your stay. Imagine being able to buy for cheap a Paris vacation home or London flat! Craigslist.org is a great place to look for people that are willing to make a swap. Do your best to investigate the area of the vacation home and get plenty of pictures from the owners. Of course, make sure to always check references and never leave anything of considerable value in your home. Even though you want to save, you always want to be safe.

3. Consider listening to a time-share pitch. These 2 hour meetings are worth every moment that you get to spend in the luxury hotel that they usually put you up in. Many times, they will throw in a show or free dinner for two. Remember, just because you listen to someone trying to sell you on the idea for a couple of hours doesn’t mean that you have to actually buy. But, if you do decide to go into it, time-shares are another way of possibly saving on vacations and future travel.

4. Join a vacation club or use a rewards program to save! These two options will allow you to buy for cheap and without paying in a lump sum. Vacation clubs are usually an installment program that will allow you to save a few dollars at a time. The members also have access to different deals and savings programs that other are not privy to. Reward programs are fabulous ways to get free hotel nights, car rentals, or upgrades. They are also perfect savings tools because most reward programs do not require you to pay anything! You sign up for free and accumulate points or rewards toward free future travel. Sometimes, you don’t even have to buy anything before you start receiving insider travel discounts. Either way, you can’t go wrong!

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Stop by at:  www.makeendsmeetonline.com and collect a FREE Ebook called “15 Top Ways To Save Money” written by Alexandra Vrugt.