Back to newsletter listDate:
Sun, March 18, 2007 10:00:01 PMFrom:
editor@stretcher.com
Subject:
3/19/07: The Dollar Stretcher
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The Dollar Stretcher
"Living Better...For Less"
March 19, 2007
Volume 12, Number 12
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"The Dollar Stretcher" and Dollar Stretcher, Inc. does not
assume responsibility for advice given. All advice should be
weighed against your own abilities and circumstances and
applied accordingly. It is up to the reader to determine if
advice is safe and suitable for his/her own situation.
===========================================================
In This Issue:
Introduction
Ten Reasons to Use a Cash-Only Spending Plan
by April Borbon
You'll wonder why you ever fell into the credit trap
Arts on a Shoestring
by Carole Wyatt
Culture without the cost
My Story: Shop at Home
contributed by Carrie
Taking inventory of what you really have on hand
Ben's Grocery Challenge Winner!
Grocery Saving Tip
contributed by TJB
Window Treatments on the Cheap
by Kathy Wilson
Quick, easy ideas for dressing your windows
Tips, Quips, Quotes & Questions
On www.Stretcher.com This Week
===========================================================
Introduction
by Gary Foreman
gary@stretcher.com
Hello to all my Frugal Friends!
Wow! We've had 3 winners in Ben's Grocery Challenge. The 4th
one will be selected based on voting that ends midnight March
18th. If you haven't already entered, there's still 4 weeks
left in the contest. Even if you don't want to submit a tip,
just visit. You'll find over 300 grocery-saving tips. And you
can enter to win a Ben ($100 Bill) just by visiting and
voting! Even if you don't win the Ben, you'll probably find a
couple of new ways to save on groceries!
All the Best!
Gary
===========================================================
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===========================================================
Ten Reasons to Use a Cash-Only Spending Plan
by April Borbon
You'll wonder why you ever fell into the credit trap
Are you in debt? Have you got into the vicious cycle of using
credit to purchase things you need today only to find that
after you pay your credit card bills you have no money to buy
gas/food/necessities, which causes you to use credit again to
see you through the rest of the month?
While using cash only (no credit or debit cards and using
checks only for bills that need to be mailed) may seem
drastic, here are ten good reasons to make this change:
- You are forced to learn money management skills. Using
credit doesn't teach you to manage your money, it teaches you
how to juggle your bills. With cash only, you need to plan in
advance for each day/week/month. If you buy a new coat and eat
out four times this week, will you still be able to afford gas
to get you to work next week?
- You will learn the value of a dollar. With credit or debit
cards, a quick swipe will get you a $4 latte and you won't
even notice the money you have just parted with. With a
hundred dollars on hand for this week and a need for gas,
groceries and allowances, every dollar counts.
- You will get creative. If your daughter's birthday is coming
up and you have limited cash, there is no end to the creative
steps you will take to give her a wonderful birthday. Excess
"stuff" around the house? eBay it for extra cash. Have $100
for this week's groceries? Go meatless for a few meals, end up
spending $80 instead of $100, and then put the $20 you just
saved towards a special present. Left over wrapping paper? It
can become confetti, streamers and decorations for the party.
Creativity can be more valuable than money.
- The difference between "needs" and "wants" will become
apparent pretty quickly. How many times have you "needed" to
eat lunch out? Do you find that you "need" high-end cosmetics
whenever you pass the department store counter? Is every
clothing purchase a "need"? With a limited amount of cash,
your needs will line up quite nicely. You need gas. You need
basic food stuffs. You may need eyeliner since yours is
resembling a stubby pencil but do you need the $30 liner when
you can buy basically the same product at Wal-Mart for $5?
- You will stop the vicious cycle of credit card debt. First,
you will have stopped using your credit cards and therefore
stopped generating more credit card debt. Second, while having
a limited amount of cash will lead to some (possibly) drastic
spending cuts, at least each payment made to your creditors
will pay down your debt instead of making room for more debt
to pile up.
- You will become a consummate shopper. Shopping with a
limited amount of cash forces you to stretch every penny. You
will learn to compare prices, cut coupons, maybe make a price
book, look for alternatives, buy on sale, use rebates, search
out discounts and basically get the most possible out of each
dollar spent.
- You will learn to determine what you need and not fall for
the contrived "needs" generated by advertisers. Billions of
dollars are spent each year to separate you from your hard-
earned money. By making you feel deserving, inferior, or just
not quite as good as you could be, advertisers convince you to
spend your hard-earned money on quite a bit of expensive,
frivolous stuff.
- You will be giving your friends, family and especially your
children a reality check. Living an extravagant life based on
credit card spending is not reality. Instead, it's a fairy
tale. Unfortunately, there is no White Knight to save you from
impending financial disaster. Living a cash-only lifestyle is
reality.
- You will actually save money. Aside from a few perks that
come with using a credit card, unless you pay your balance in
full each month, you are losing money to interest charges and
worse, over limit or late fees.
- You will be in charge. Using credit puts you at the mercy of
creditors and lenders. They set the interest rate, they set
the payment rate, and they send reports to the credit bureaus.
Paying with cash allows you to be in charge of your finances.
There is no doubt that switching to a "cash only" spending
plan is hard; the first few months will probably be the worst.
However, with a positive attitude and a large dose of
creativity, you will wonder why you ever fell into the credit
trap.
Take the Next Step:
Remove the credit cards from your purse or wallet and put them
in a desk or dresser drawer
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Arts on a Shoestring
by Carole Wyatt
Culture without the cost
Ever want to visit a museum or take in a play, but the price
of the tickets was just too high. There are several ways to
cut costs for the truly motivated.
When it comes to actually buying tickets, you can go as a
group for the group rate, go on a matinee day, or take
advantage of a senior citizen discount.
If the prices are still too high, there are several ways to
get around that too. Many live theatres, operas, and ballets
offer rush or standing room only tickets. After everyone has
bought tickets and is seated, you're allowed to go in and sit
in the empty seats. If the original ticket holder shows up at
intermission, you have to find another seat. I've actually sat
in $120 season ticket holder seat for only $8.
An even cheaper option is to volunteer at the Arts Center of
your choice. Did you think they paid the ushers? It also gives
you a chance to see new performers you might never have seen.
I've volunteered for years, and at the most, I only miss the
first five minutes of the show.
Don't feel like volunteering, but don't want to shell out cash
either, try preview nights. These nights were designed for
teachers planning field trips before the actual opening
performance. Many teachers arrived with their whole families
and a few neighbors too. Some theatres allow you to attend
dress rehearsals free of charge. Museums often have one day a
week or month that is free. You need to call to ask when it is
because this will vary.
If none of these ideas appeal to you, then you can try winning
tickets. I actually got very good at this by putting the local
radio station on speed dial. I also kept the radio on while I
was at work. Unfortunately, they always mentioned my name on
the radio, so I had to back off calling, which means more
chances for the rest of you.
Take the Next Step:
Call your local theatre and ask about volunteering as an usher
and premier nights
===========================================================
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===========================================================
My Story: Shop at Home
contributed by Carrie
Taking inventory of what you really have on hand
Recently, I had to be homebound for a few weeks. I was a bit
worried about how I would get my usual groceries and household
supplies. Plenty of friends offered to help me out, but while
it is fine to ask a friend to pick up eggs at the grocery
store, asking for a giant-sized box of laundry detergent seems
more of an imposition. While home, I decided it was a good
opportunity to clean out some closets and take stock of what I
really needed.
Imagine my surprise when I discovered ten packages of vacuum
cleaner bags! Some had fallen from the shelf to the back of
the closet so I'd just kept buying them. I also found two
boxes of dish detergent I'd put on a high shelf and forgot
about. I found I had five half used bottles of cough syrup
strewn around the bathrooms and linen closet.
I found two brand new sets of sheets I'd put away for company
two years ago! I found packs of unopened pens and books of
half used stamps (some 37 cents so you know those weren't
bought last week). I unearthed a nearly full box of blank
checks (I'd just re-ordered thinking I was out).
Now I am not someone who squirrels things away. I am just a
very busy working person who makes lists (when I have time)
before shopping and rarely has time to clean closets. If
anyone told me I had so many things (and especially new,
unused items) in my house I'd have laughed.
From now on I am going to keep my storage areas better
organized and maybe even "shop at home" before hitting the
stores
_______________________
"My Story" is a regular feature of The Dollar Stretcher. If
you have a story that could help save time or money, please
send it by mailto:MyStory@stretcher.com
Take the Next Step:
Take at least one shelf in your closet and find out what's
hiding in the back
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Ben's Grocery Challenge Winner!
Grocery Saving Tip
contributed by TJB
Carry your coupons with you at all times using a binder and
clear cover sheets (such as baseball card holders). That way
they are always available and it is easy to see what coupons
you have to use.
editor's note: You could be this week's winner of a Ben ($100
Bill)! Just go to http://bensgrocerychallenge.com/ and follow
the instructions. Once you've entered your tip, don't forget
to tell your friends to vote for it!
===========================================================
Window Treatments on the Cheap
by Kathy Wilson
Quick, easy ideas for dressing your windows
The Budget Decorator shares her quick, easy ideas for
dressings your windows without breaking the bank.
When deciding how to dress your windows, first take into
account the style of the room. Most rooms are more casual
these days, and don't require the heavy pinch pleat draperies
of the past.
Consider using ready-made items you might already own to
create your window treatments. Lace tablecloths, pretty
dishtowels, sheets and even quilts can make creative and
charming window treatments.
If you don't know how to sew, pick up some iron on hem tape at
your local craft store. You can create simple hems and rod
pockets easily with your iron. I don't recommend this for
curtains that will be washed frequently. However, if the hem
tape wears out, it can always be redone.
Consider adding layers to your windows as your budget allows.
First, a mini-blind for some privacy, then later, some sheers
for softness. Finally, you might add curtain panels and a
valance for a custom look that looks great all along the way.
Be sure to hang your window treatments so they pull clear of
the windows when open. This will make your windows look larger
and let in more light. Even covering an inch or two of the
window surface reduces the light in a room significantly. Hang
them as high as you can, near the ceiling line if possible. It
will add height to the room, making it appear larger and less
boxlike.
Use creative ideas for curtain rods as well. A garden room
might do well with a smooth, long branch made into a rod. A
sports oriented family room might be inspired by a ski or a
hockey stick. Even an old boat oar would do in the right
setting.
Use your imagination, use your creativity, and save that cash!
______________________
Kathy Wilson is an author, columnist, and editor of several
popular home and garden websites. For hundreds of free do it
yourself home and garden ideas, please visit her websites now
at http://www.TheBudgetDecorator.com,
http://www.TheGardenGlove.com . Also visit her at
http://www.Women-on-the-Net.com
Take the Next Step:
Look at your room and devise a step-by-step strategy
===========================================================
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===========================================================
Tips, Quips, Quotes and Questions
*********
Can You Help This Reader?
*********
Working from Home
I have been offered a position to work from home. Does anyone
have any tips on how to set up my home office? Suggestions for
lower price, but good quality desks? Tax deduction tips?
Thank you!
Shannon
Please send your answers by
mailto:CanYouHelp@stretcher.com?subject=Work_From_Home We'll
include the best solutions in future issues.
*********
Yes, We Can Help This Reader
Evaluating a Landlord
*********
I have been both a tenant and a landlord. While I do not know
of a way to find out if the landlord repairs things in a
timely manner, the general condition of the place when it is
being shown for rent will give you some idea. If there are
many things that you see that need repair, you may wish to
look elsewhere. If he will not fix it to show it, then getting
him to fix it after you are in will be a challenge.
Zack in Port St. Lucie, FL
more suggestions on ways to check out a landlord before you
sign the lease at
*********
Water Bottles
I drink a lot of water daily. For the longest time, I
purchased the cases of bottled water (24-16.9 ounce bottles)
for about $5 to $6 per case. My neighborhood started a
recycling program, so I started saving the bottles. I then
realized that I could recycle and save money by reusing my
bottles by filling them up with the drinking water from the
store. The drinking water at the store is 39 cents per gallon
if you bring your own container. A case of bottled water (24-
16.9 ounce bottles) is equivalent to about three gallons. Now,
I can fill up a case of bottled water for a little over $1 as
opposed to $5!
Maria H. in Dallas, TX
*********
Sweeeeet!
Keep your indoor trashcans smelling fresh by sprinkling some
baking soda in the bottom of the can before putting in a
liner. It will stay much fresher, especially in the kitchen.
Jen W. in Roanoke Rapids, NC
*********
Telephone Tax Shortcut
Your story on the telephone tax rebate
mentioned that if your phone bill isn't more than $60 a month,
you needn't go through the silly exercise of looking up all
your bills for three years. I used the "estimate" method in
Quicken's Turbo Tax, entered all my phone bills, which have
been consistently about $61-$63 a month (I have a home-based
business) and the result was a deduction of $28, two bucks
less than the standard deduction of $30! UGH! This is so
typical of tax time and one of the reasons why I take the time
to do my own taxes.
Marcie G.
*********
What would you do with an extra $100? Last month Denise from
Juneau won a $100 check just for sending in a favorite time or
money saving idea. This month it could be you. Just send your
suggestion by mailto:Tips@stretcher.com.
If we use your tip in any of our publications, we'll send you
the next three issues of our print newsletter as a "thank you"
and you'll automatically be entered into our monthly $100
drawing!
Receive Dollar Stretcher Tips twice each week. More great
ideas for saving money! Just send
mailto:sub-ds-tips@hub.thedollarstretcher.com
===========================================================
On www.Stretcher.com This Week
editor's note: Hotmail and WebTV users may have trouble with
some addresses. Please access them from our front page
Your Money
----------
Ten Reasons to Use a Cash-Only Spending Plan
by April Borbon
You'll wonder why you ever fell into the credit trap
Story Here - http://www.stretcher.com/stories/07/07mar19b.cfm
Work Sheet: Credit Card Inventory
Use this work sheet to quickly see how much you owe and your
interest rates
Story Here - http://www.stretcher.com/brm/07/07mar08c.htm
Consumers and Credit Consequences
An interview with Robert Manning, an ardent consumer advocate
who worries about America's love affair with plastic
Story Here - http://www.stretcher.com/brm/07/07mar08d.htm
Feds to Lenders: Drop 'Payment Shock' Loans
Stop giving risky mortgages to people who won't be able to
afford the payments in two or three years, federal regulators
are telling lenders
Story Here - http://www.stretcher.com/brm/07/07mar08e.htm
Paperless Checking is Coming
Most consumers don't get their paper checks back from banks,
and some online banks are going totally paperless
Story Here - http://www.stretcher.com/brm/07/07mar07a.htm
Erasing Persistent Credit Report Stains
The law says old but accurate credit mistakes fall off your
credit report after seven years. In reality, that often
doesn't happen
Story Here - http://www.stretcher.com/brm/07/07mar13e.htm
Check Card Survey: Fees Are Gone, Rewards Keep Coming
Survey shows that check cards continue to be a good choice for
consumers
Story Here - http://www.stretcher.com/brm/07/07mar12b.htm
Check Card Fee Study
See your bank's fees compare
Story Here - http://www.stretcher.com/brm/07/07mar12c.htm
Check Card Problems to Watch For
Overdrawing your checking account and daily usage limits are
just a couple of the potential problems with check cards
Story Here - http://www.stretcher.com/brm/07/07mar12d.htm
Is It an ATM or a Check Card?
ATM card, debit card, check card: What's the difference?
Story Here - http://www.stretcher.com/brm/07/07mar12e.htm
8 Tips for Using Check Cards
Here are the best practices for using a check card
Story Here - http://www.stretcher.com/brm/07/07mar12f.htm
One Woman's Challenge: Zap Credit Card Debt in 18 Months
High-interest credit card debt can be depressing. Find freedom
by changing up priorities
Story Here - http://www.stretcher.com/brm/07/07mar09a.htm
Use Equity for Friend with Credit Card Debt?
The urge to help a close friend in financial need is natural,
but using home equity to retire someone else's debt is a
perilous move
Story Here - http://www.stretcher.com/brm/07/07mar09c.htm
Fame & Fortune
Actor-author Ron McLarty longed to be a known as a writer but
struggled until Stephen King gave him the plug that launched
his second career
Story Here - http://www.stretcher.com/brm/07/07mar13b.htm
Your Family
-----------
Reducing the Cost of Summer Camp
by Kara Haskins
Give your kids a memorable camp experience this summer
Story Here - http://www.stretcher.com/stories/07/07mar19f.cfm
Your Home
---------
Checking Out a Potential Landlord
Finding out if it is someone you'll want to rent from
Story Here - http://www.stretcher.com/stories/07/07mar19a.cfm
My Story: Shop at Home
contributed by Carrie
Taking inventory of what you really have on hand
Story Here - http://www.stretcher.com/stories/07/07mar19d.cfm
Window Treatments on the Cheap
by Kathy Wilson
Quick, easy ideas for dressing your windows
Story Here - http://www.stretcher.com/stories/07/07mar19e.cfm
The Hang Factor
by Lisa Raymond
On the journey to a dryer-free home
Story Here - http://www.stretcher.com/stories/07/07mar19g.cfm
Kitchen Remodeling and Your Budget
by Gary Foreman
Redoing the most used room of your home
Story Here - http://www.stretcher.com/stories/07/07mar19h.cfm
10 Hottest Home Markets in 2006
Bubble burst? LOL! These are the 10 U.S. metropolitan areas
that gained the greatest percentage of value in 2006,
according to the National Association of Realtors
Story Here - http://www.stretcher.com/brm/07/07mar13a.htm
'07 Real Estate Forecast for 30 Metro Areas
A look at forecasts for 30 metropolitan areas
Story Here - http://www.stretcher.com/brm/07/07mar12a.htm
Feds to Lenders: Drop 'Payment Shock' Loans
Stop giving risky mortgages to people who won't be able to
afford the payments in two or three years, federal regulators
are telling lenders
Story Here - http://www.stretcher.com/brm/07/07mar08e.htm
2007 Guide to Real Estate
National trends are meaningful, but what's happening on your
street in your neighborhood is all that matters to you this
spring real estate season
Story Here - http://www.stretcher.com/brm/07/07mar08a.htm
Stable Mortgage Rates MAY Turn the Market Around
Mortgage interest rates are expected to remain relatively low
throughout 2007, but it's not certain that will spark a full-
fledged rebound of the real estate market this year
Story Here - http://www.stretcher.com/brm/07/07mar08b.htm
Home Sales Forecast Brighter in '07
Most of the U.S. housing market is looking bright but some
localized stormy areas dampen overall outlook
Story Here - http://www.stretcher.com/brm/07/07mar09b.htm
Your Taxes
----------
$2 Billion in Tax Refunds in IRS Till
If you never filed a 2003 return, an IRS check could still be
yours ... if you hurry
Story Here - http://www.stretcher.com/brm/07/07mar13c.htm
Unclaimed Tax Refunds by State
Story Here - http://www.stretcher.com/brm/07/07mar13d.htm
For Some, a Traditional IRA Still Appeals
The granddaddy of retirement accounts helps some build
tomorrow's nest egg while reducing today's taxes
Story Here - http://www.stretcher.com/brm/07/07mar13f.htm
Sending Form W-4 to IRS
The bottom line is the IRS is either tired of looking at these
W-4s or it wants to relieve employers of the burden of
submitting them
Story Here - http://www.stretcher.com/brm/07/07mar13g.htm
Accounting for Investment Income
Lower rates help ease the pain of sharing your investment
earnings with the IRS. But you'll have to slog through more
paperwork to get the better tax treatment
Story Here - http://www.stretcher.com/brm/07/07mar12h.htm
Yes, There Are Some Good Taxes
Some state and local levies can reduce your federal income tax
bill
Story Here - http://www.stretcher.com/brm/07/07mar09f.htm
Claiming Foreign Parents as Dependents
By virtue of their green cards your parents are residents for
income tax purposes even though they do not reside here
Story Here - http://www.stretcher.com/brm/07/07mar09g.htm
Claiming a Foreign Student as a Dependent
You cannot claim a person as a dependent unless...
Story Here - http://www.stretcher.com/brm/07/07mar08h.htm
Tax Software Doesn't Compute
If you can't get your software to offset your capital gains
with your losses and customer support is no help, try another
tax program
Story Here - http://www.stretcher.com/brm/07/07mar07d.htm
Figuring Investment Cost Basis
Don't pay the same tax twice. Here's how to figure the correct
cost basis of investments you sold
Story Here - http://www.stretcher.com/brm/07/07mar07e.htm
Everything Else
---------------
Arts on a Shoestring
by Carole Wyatt
Culture without the cost
Story Here - http://www.stretcher.com/stories/07/07mar19c.cfm
Readers' Tips
Story Here - http://www.stretcher.com/stories/07/07mar19t.cfm
Can Feng Shui Improve Your Cash Flow?
Proponents say this ancient Chinese discipline enhances energy
flow in your home. But can it also help make you more
prosperous?
Story Here - http://www.stretcher.com/brm/07/07mar09d.htm
The Skeptics' Views on Feng Shui
Not everyone subscribes to feng shui principles, and even
practitioners seem to be at odds about how to apply them
Story Here - http://www.stretcher.com/brm/07/07mar09e.htm
From Dave Ramsey
----------------
Travel Trailer Troubles
I had never bought a new vehicle, but I finally decided I
deserved something special and started listening to those
folks who are poor
Story Here - http://www.stretcher.com/brm/07/07mar12g.htm
Our Refrigerator Died
What did we do? We immediately went to Rent-A-Ripoff and
starting paying obscene amounts on a refrigerator
Story Here - http://www.stretcher.com/brm/07/07mar12h.htm
Avoiding Tax Scams
Tax time is a time to watch your back, so you don't get ripped
off by scams
Story Here - http://www.stretcher.com/brm/07/07mar08f.htm
My Interest Rate Skyrocketed
One small purchase with a credit card caused Ben's interest
rate to skyrocket! Read his short story about the horrible
credit card
Story Here - http://www.stretcher.com/brm/07/07mar08g.htm
Credit Cards Reek
$3,000 later, I finally woke up and said "when are we going to
pay this off? At this rate, never! Something has to change!"
Story Here - http://www.stretcher.com/brm/07/07mar07b.htm
Dave's Attitude
I knew all the stuff he was saying, but his attitude was the
kick in the pants that I needed
Story Here - http://www.stretcher.com/brm/07/07mar07c.htm
===========================================================
Decision-Making Tools
For Your Home
-
Rent or Buy Your Next Home?
-
Mortgage Calculator
-
15-Year or 30-Year Mortgage?
-
Fixed or Adjustable Rate Mortgage?
-
Mortgage Points Adviser
For Your Car
-
How much car can you afford?
-
Buy or lease your next car?
-
Your next car: New or used?
-
Auto Loan Calculator
-
Is a hybrid car right for you?
===========================================================
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