In Business Since 2001 We accept Paypal
Home for Writers for Publishers Article Directory Article Search
Guides
Article Marketing Secrets
20-Min Article Writing
Author Resource Box
35 Traffic Strategies
Kindle Uploads 101
Fantastic Fiction Decoded


Click Here to
see on Amazon


Site Navigation
Home

Writing Services
+ FAQ

FAQ

+ About Us
+ Blogs
Search Tools
+ Search Our Articles
Article Directory
+ Authors
+ Articles
Other Sites We Own
Writing Puzzle

Professional Book Marketing

Platt Publishing

Marketing Help


 
Article Teaser: During this current economic downturn, people are rediscovering how to save money during hard times. In this article, we document thirteen of the most useful tips for helping you and your family save money and reduce your overall expenses.

Keep reading below...

13 Tips For Saving Money And Reducing Your Cost Of Living

Copyright (c) 2009-2017

During this current economic downturn, people are rediscovering how to save money during hard times. In this article, we document thirteen of the most useful tips for helping you and your family save money and reduce your overall expenses.

While it is true that there are two ways to regain control of your personal finances (1. Cut costs; and 2. Increase income), the saving money part is far easier for most people to accomplish. If in fact you are seeking out new sources of income to supplement your current income, you should review this article (http://tinyurl.com/lnm282) that shows you where you can find telecommuting jobs online.

If you are looking for a job, then find a job. But if you are looking to discover old and new ways to save money, then read the thirteen money saving tips shown here:

1. Do you find yourself reading more news online and only reading the paper for comics or coupons? Then bookmark both a comics website and printable coupons site (like coupons.com) and cancel the newspaper. Save paper and money on delivery.

2. Don't buy it unless you know that you will use it for certain. The "this might be handy" purchases can drain money and closet space, when you find that the maybe situations don't come up.

3. Some utility companies give the option of installing a power meter that shows you energy consumption for the entire house at any given moment. This constant awareness of the consumption rate can lead home owners to cut back, where a monthly bill might not be enough motivation.

4. Get rid of the garbage disposal. It encourages you to get rid of waste by dumping it down the sink. If you have to put it in the trash, you have a stronger visual signal of how much food was wasted, and thus a better reason to either eat the food or not fix as much. This also saves water, since garbage disposals require water to work appropriately. It is best to compost, but even putting it in the trash is better than putting it down the sink and wasting both food and water at the same time.

5. You're thinking of planting a garden. Although ease of growing and food preferences are factors, don't forget to pick plants or plant varieties that require little water, fertilizer, and pesticides.

6. Take your shoes off inside the house. It reduces wear and tear on shoes, which are more expensive than socks, and reduces the scuff marks you have to clean up.

7. Like an exercise program? Ask about becoming an assistant instructor or motivator. It would most likely be free to do, but even if the venue wants to charge you money to be an assistant, you can likely get the classes at a reduced cost.

8. Only get magnetic bumper stickers. There's no clean up necessary when you change your mind, you can put it on your fridge or work cubicle at a whim, and can be removed in locations where such sentiments can get your car keyed.

9. Gambling never makes money, so do not go into a casino unless you work there.

10. If you indulge in "retail therapy", shopping for a pick me up, look for a job as a mystery shopper. And then do not go into the store unless paid to do so. At the very least, only shop when someone else is paying for the merchandise.

11. If you are in debt, don't touch the alcohol - unless you're serving it to someone else. This is a vice that is doubly crucial to contain, since we often do stupid things under the influence of alcohol. From drunk driving (and expensive tickets) to purchases and conversations we would not make when sober (both physically and emotionally costly). When the financial stress begins to mount, step away from the alcohol. This will certainly save your budget, and possibly far, far more.

12. Do not drink the coffee unless it is fueling your night shift job, and thus is a justifiable business expense. Even in this case, skip the Starbucks latte for Dunkin Donuts or McDonald's coffee. Better yet, make your own coffee and brown bag it in a thermos to work to save even more money. And having your own coffee at hand can reduce the temptation to buy a snack while already in line to buy the coffee.

13. True emergencies are defined by something physical being broken: your bones, your car, your roof. We often think of an emotional disaster as an emergency, and then spend part of our emergency fund to make it better. Don't break into your financial piggy bank when something physical isn't broken. Broken hearts because you won't go on a cruise with someone or mall trip for the weekend do not count. Breaking the mold and expectations - like not sending the kids on a summer camp when you are worried about paying the credit card bill - are completely acceptable. Redefine your emergencies for which you touch your emergency fund.

While it may seem like all is lost right now in your time of need, it is important to always keep a positive mental attitude. Stress kills, and besides, it is easier to uncover the good times that await you if you are in a good mood now and into the future.


About The Author: Shop Amazon - Top Gift Ideas
Fred Vanhoosen writes about money issues. While he recommends that one should be careful about using payday loans in times of dire need, he also knows that sometimes we need fast access to fast money to cover an unexpected expense. When that happens, Fred recommends http://www.fastcash4all.net/ for your cash advance needs.

Follow "The Phantom Writers" on Twitter (@phantomwriters)
to be notified when new articles are made available.


VOTE ON THIS ARTICLE
Needs Work >> 0 - 1 - 2 - 3 - 4 - 5 << Excellent Article

Tell our authors what you think about their article.



Top-Level Category: Family Articles || Related Categories: Finance Articles and Shopping Articles

10 Most Recent Articles Written by Fred Vanhoosen

Easy Tips To Reduce Your Cost Of Living And Survive Recession
Written by: Fred Vanhoosen | Distributed: 2009-07-14 | Word Count: 505 | Page Views: 4052 | Votes: 16 | Rating: 2.63
Recession is a period of general economic decline and we need to prepare for it. Surviving the recession is much easier when you are prepared for it. Here are some tips for surviving the current economic crisis.

21 Plus Tips To Help You Recover From A Personal Financial Crisis
Written by: Fred Vanhoosen | Distributed: 2009-07-07 | Word Count: 2200 | Page Views: 2821 | Votes: 13 | Rating: 1.69
In this article, we show you exactly how we were able to overcome a recent financial crisis in our family's personal finances. We detail 21 primary tips that can help you reduce your overall cost of living, but we also include other tips that can help you to recover your finances enough to survive the crisis.

A Baker's Dozen of Grocery Coupon Websites And Resources
Written by: Fred Vanhoosen | Distributed: 2009-07-07 | Word Count: 580 | Page Views: 4447 | Votes: 13 | Rating: 2.38
In the past, many people read newspaper and magazine articles about and watched news segments showing others who often food shop for free using coupons. The average family often does not have the time to organize and purchase food in bulk to make such a stupendous leap into savings. But, by following the links in the article and visiting the referenced websites once a month, any family can learn how to cut their grocery costs from a little to a lot...

Seven Tips That Could Add Hundreds Of Dollars To Your Monthly Budget
Written by: Fred Vanhoosen | Distributed: 2009-04-23 | Word Count: 1348 | Page Views: 2323 | Votes: 7 | Rating: 3.57
In this article, we offer seven tips that if used can help the average American family reduce their living expenses by at least $100 per month.

When Pennies Count, These Budgeting Tips Could Save You Hundreds of Dollars Per Month
Written by: Fred Vanhoosen | Distributed: 2009-04-22 | Word Count: 911 | Page Views: 2119 | Votes: 5 | Rating: 2.20
The current state of the economy has been a wake-up call for many people and it's causing them to get serious about saving money and eliminating debt now. This article will give you a lot of ideas on how to reduce your spending, pay off your debts, and move more money into savings - through the current recession or any financial emergency you may experience.

Tips For Restoring Your Credit In The Aftermath Of Foreclosure
Written by: Fred Vanhoosen | Distributed: 2009-03-19 | Word Count: 1621 | Page Views: 2150 | Votes: 8 | Rating: 1.75
If you have met foreclosure or bankruptcy and you are wondering about your ability to rebuild your credit, this article will be useful to you, as it shows you several techniques for rebuilding credit after foreclosure, repossession or bankruptcy.

Is Government Working For You - Or Are You Working For Government?
Written by: Fred Vanhoosen | Distributed: 2009-01-28 | Word Count: 1028 | Page Views: 2375 | Votes: 6 | Rating: 2.17
The new Congress and President are hard-at-work trying to push through a new economic stimulus package. Our elected leaders are claim the stimulus package will cost $825 billion. To put the $825 billion into perspective, the government could give a $17,000 check to every American and the numbers would add up to the same amount of the new stimulus package...

Available Loan Products During a Credit Crunch
Written by: Fred Vanhoosen | Distributed: 2008-12-10 | Word Count: 1273 | Page Views: 1950 | Votes: 4 | Rating: 1.75
As we turn on the news each day or pick up our local newspaper, we are inundated with the bad news about the effects of the credit crunch on the larger economy. With so much bad news about the economy, it is easy to believe that the credit crunch is deep running and affecting every sector of the economy. But the truth of the matter is that the credit crunch is pretty much regional in nature and it is only affecting certain types of lending. Continue reading this article as we explain this assertion.

Payday Loans - Convenience and Danger
Written by: Fred Vanhoosen | Distributed: 2008-12-08 | Word Count: 1027 | Page Views: 2432 | Votes: 6 | Rating: 3.17
Payday / Cash Advance Loans are a godsend for those consumers who truly have a temporary short-term cash need, but what is a blessing for one consumer can easily be a nightmare in the offing for another consumer whose financial needs are more dire and long-term in nature. Get the facts before you select this kind of loan product.

All of Author's Articles on this site:

Most Recent "Family" Articles

Why We Women Are Our Own Greatest Enemy When Dating
Written by: RoseMary Alberts | Distributed: 2013-11-06 | Word Count: 544 | Page Views: 4271 | Votes: 20 | Rating: 1.90
I have learned that while there are women who want to be committed to one man, there are some others who seek only attention, gifts, dinners, movies etc, and still others who are only interested in having a physical relationship. But all these three categories cannot be used as a base to judge women and their point of view about relationships only because, like I said, "Women never know what they want." So read on and you will know what I mean...

When A Strong Woman Can Make You A Better Man
Written by: Coalton Reynolds | Distributed: 2013-11-05 | Word Count: 625 | Page Views: 7085 | Votes: 9 | Rating: 1.89
Behind every man, there is a strong women. After my recent split with my girlfriend of two years I have found myself thinking how much I have changed. At first, I just thought I was only different around her, but now I seem to be a totally different person.

Tips to Help You Get Back in the Dating Game After a Long-Term Relationship Ends
Written by: RoseMary Alberts | Distributed: 2013-10-30 | Word Count: 773 | Page Views: 4599 | Votes: 15 | Rating: 1.40
There are very few things in life that are as terrifying, frustrating, rewarding, exciting and just plain crazy as dating; especially if you have ceased to be a "spring chicken" or have been out of the dating scene for many years. If you've found yourself "back on the market" after being in a committed relationship for many years, you may be petrified by the prospect of dating again. The tips in this article will help you get back into the game quickly and successfully...

The Eight Commandments of Online Dating
Written by: Kandice Skaggs | Distributed: 2013-10-24 | Word Count: 1153 | Page Views: 1680 | Votes: 2 | Rating: 0.00
Dating and "desperate" may start with the same letter, but they are not synonymous. Never were and never will be. If you take the time to follow these eight online dating commandments, you might be able to find the happiness you seek at the other end of your online dating communications.

The Day My Daughter Woke Me Up to See That Her Father Never Really Loved Me
Written by: Mary Ann Lipitz | Distributed: 2013-10-18 | Word Count: 527 | Page Views: 3523 | Votes: 16 | Rating: 2.19
I am 31 years old with two children, and I was in a relationship with the man I loved until two years ago. We were not married but we lived together, and yes he is the father of my children. We had been together for more than five years at that point, but we never felt the need to get married. We had been happy the way things were, until one day my daughter changed all that, at least for me.

Dating Rules Explained: How to Turn Your Date Into a Relationship
Written by: RoseMary Alberts | Distributed: 2013-10-16 | Word Count: 779 | Page Views: 5509 | Votes: 18 | Rating: 1.67
How adults behave on a date depends more on their intentions towards the other person than it does on other factors. For instance, a man who really likes a woman is going to behave differently towards her than he would a woman he is only casually interested in. Sometimes, it is hard to know the difference.

6 Things You Can Do Today To Reduce Your Carbon Footprint Tomorrow
Written by: Lee Dobbins | Distributed: 2011-12-12 | Word Count: 845 | Page Views: 3391 | Votes: 4 | Rating: 0.75
Reducing your carbon footprint is something that everyone should strive for but what if you don't have a lot of money to buy eco friendly appliances and hybrid cars? Here are 6 easy things that you can do right now to help reduce your carbon footprint. These won't cost you a dime and might even save you some money!

Raise Responsible Children
Written by: Marvin Marshall, Ed.D. | Distributed: 2011-07-19 | Word Count: 926 | Page Views: 569 | Votes: 1 | Rating: 3.00
Using the strategies outlined here will help give your children both roots and wings. You will find yourself on the parenting journey to raise responsible children with less stress and more enjoyment for everyone involved.

Alpaca Wear Makes Terrific Gifts for Men and Women
Written by: Robert Moore | Distributed: 2010-07-27 | Word Count: 772 | Page Views: 2831 | Votes: 1 | Rating: 1.00
Alpaca wear has a long and venerable history and the first record of Alpacas was in the Andean mountains. Alpacas were perfect for producing a fiber suitable for protecting these people from their extreme climate. Alpaca fiber is similar to wool and known for its beauty, luster, warmth, and stain resistance.

Top Ten 'Mistakes' Made by Parents America
Written by: Ryan Hogan | Distributed: 2010-04-27 | Word Count: 970 | Page Views: 3462 | Votes: 1 | Rating: 2.00
On one hand the word "mistake" may be too harsh. Every child is different and only you really know if your offspring is happy and flourishing. Therefore, who is to say what a parenting mistake is and is not? On the other hand, "mistake" may not be harsh enough.

Most Viewed "Family" Articles

Girls Sleepover Party Ideas
Written by: Jillian Gallo | Distributed: 2008-09-16 | Word Count: 837 | Page Views: 15219 | Votes: 138 | Rating: 2.07
Throwing a sleepover for your daughter is one of the most memorable events she will have from her childhood. Regardless of her age, these parties make memories she will take with her as she grows up. How can you make these nights more memorable? By following a few tips, you can make the most out of your daughter's next sleepover.

How To Identify Toxic Black Mold
Written by: Daryl Watters | Distributed: 2007-05-08 | Word Count: 405 | Page Views: 12220 | Votes: 18 | Rating: 2.56
Need toxic black mold or stachybotrys toxic mold testing information or mold inspector information. Certified Florida based mold assessor and inspection firm serving Broward Dade and Palm Beach County including Miami and Ft Lauderdale. Conduction Florida mold testing IAQ testing for commercial and home house mold and indoor air quality problems. Florida mold inspection.

Graduation Flowers Are At The Head Of The Class
Written by: Wesley Berry, AAF | Distributed: 2008-04-24 | Word Count: 538 | Page Views: 11968 | Votes: 27 | Rating: 1.78
The coming of spring signals new beginnings, and each year many young adults take the first steps toward that new beginning when they walk across the stage to accept a diploma at their graduation ceremony. Of course, with graduation comes excitement, smiles, tears, a big celebration, and lots of wonderful memories. One way to help make the day even more beautiful and memorable is with flowers.

Selective Mutism Disorder Is More Of A Problem Than You Think
Written by: Ingrid Stenquist | Distributed: 2007-04-11 | Word Count: 682 | Page Views: 7879 | Votes: 25 | Rating: 3.88
One of the worst and most severe manifestations of childhood social anxiety disorders is labeled as Selective Mutism disorder. Originally, fifteen years ago the disorder was called Elective Mutism because doctors figured that all children who didn't talk were either shy or in another category. Elective mutes were seen as belligerent, stubborn, and obnoxious kids who were rebelling by not talking against some effort in order to get attention.

Pepper Spray: How Does it Feel to Get Blasted?
Written by: Fred Cheney | Distributed: 2007-12-18 | Word Count: 477 | Page Views: 7461 | Votes: 20 | Rating: 2.85
It's something to think about. What would happen if you tried to use pepper spray and it sprayed into your own eyes? And, could you accidentally blind someone with it? Permanently maim them? What are the effects of pepper spray? These are important questions and they certainly have answers.

Destructive Behaviors That Cause a Relationship Break Up
Written by: James Kern | Distributed: 2009-07-15 | Word Count: 644 | Page Views: 7157 | Votes: 19 | Rating: 2.63
On the surface, you think that being in love is the greatest thing since sliced bread, but underneath you're flailing and kicking and trying to get back to the status quo, which is you being alone and miserable. It sucks, but you're used to life there. If Alone and Miserable were a bar, everybody there would know your name.

When A Strong Woman Can Make You A Better Man
Written by: Coalton Reynolds | Distributed: 2013-11-05 | Word Count: 625 | Page Views: 7085 | Votes: 9 | Rating: 1.89
Behind every man, there is a strong women. After my recent split with my girlfriend of two years I have found myself thinking how much I have changed. At first, I just thought I was only different around her, but now I seem to be a totally different person.

I Want My Ex Back! 5 Tips That Will Improve Your Chances
Written by: James Kern | Distributed: 2009-03-03 | Word Count: 625 | Page Views: 6623 | Votes: 7 | Rating: 3.57
Five killer tips that help you claw back your ex, even if your situation seems in dire straits.

Family Unity
Written by: Sally Goldberg, Ph.D. | Distributed: 2007-11-01 | Word Count: 614 | Page Views: 6143 | Votes: 12 | Rating: 1.67
Thanksgiving comes once a year with its wonderful message about family unity. Everyone gathers around the table and talks about how happy they are to be together. Then, no sooner is the holiday over, all is forgotten. Do you have any ideas for preserving those close family feelings?

How Bad Is Toxic Black Mold - Deadly monster or victim of media hype?
Written by: Daryl Watters | Distributed: 2007-05-22 | Word Count: 663 | Page Views: 5743 | Votes: 9 | Rating: 2.67
Toxic black mold is the most feared of all molds because of numerous news reports, newspaper articles, and magazine articles attributing possible brain damage, infant deaths, expensive property damage, and other horrible consequences of the growth to this type of mold in residential settings.

Highest Ranked "Family" Articles

Home Alone Child Safety
Written by: Jerry Tarrer | Distributed: 2007-03-21 | Word Count: 1038 | Page Views: 2945 | Votes: 6 | Rating: 4.00
Your child's safety depends to a large part on good communication between you and your children. This is especially true of two-income families, and single parent families where the children are left alone for extended periods of time and have to care for themselves.

Can Rats, Chemical Odors, Or Even Stress, Cause Mold Like Health Reactions In Homeowners And Office Workers?
Written by: Daryl Watters | Distributed: 2007-06-26 | Word Count: 1564 | Page Views: 3107 | Votes: 5 | Rating: 4.00
Mold is and always has been a major contributor in building related illness. I have seen many clients who were ill as the result of living with mold. However, one must not overlook the possibility of other contributing factors such as cigarette smoke, non mold related bio-allergens such as cat and dog dander, rat and mice allergens, and chemical contaminates such as pesticides or volatile organic compounds.

PB and Js And Licking The Bowl - The Joys Of A Kid Friendly Kitchen!
Written by: Pamela Cole Harris | Distributed: 2008-02-14 | Word Count: 554 | Page Views: 3242 | Votes: 6 | Rating: 4.00
Remember licking the bowl when you were a kid? Or making your own peanut butter sandwiches with grape, or better yet strawberry, jelly? Mmmmm... the smell of homemade oatmeal cookies! And they were even better because you knew you helped make them! Kitchens can be a place of special memories for kids of any generation. Are you building those memories with your children or do you view the kitchen as a dangerous place for kids?

Potty Training Made Easy
Written by: Kim Michael | Distributed: 2009-04-07 | Word Count: 507 | Page Views: 2450 | Votes: 5 | Rating: 4.00
If you're the parent of a toddler, you are probably looking for the right signs that your child is ready to be potty trained. Potty training your child can be a frustrating time in your life. When your child is ready to be potty trained, they will provide to you clues that the timing is right. If you capitalize on these clues, and use the right tools, this can be an exciting time in your life, as well as your child's.

Selective Mutism Disorder Is More Of A Problem Than You Think
Written by: Ingrid Stenquist | Distributed: 2007-04-11 | Word Count: 682 | Page Views: 7879 | Votes: 25 | Rating: 3.88
One of the worst and most severe manifestations of childhood social anxiety disorders is labeled as Selective Mutism disorder. Originally, fifteen years ago the disorder was called Elective Mutism because doctors figured that all children who didn't talk were either shy or in another category. Elective mutes were seen as belligerent, stubborn, and obnoxious kids who were rebelling by not talking against some effort in order to get attention.

What Is Your Siamese Trying To Tell You?
Written by: Susan Miller | Distributed: 2009-09-03 | Word Count: 496 | Page Views: 2769 | Votes: 6 | Rating: 3.83
When it comes to cats, many cat-lovers will do just about anything to please their feline companions. However, one of the most perplexing aspects of owning a cat is the attempt to try to decipher its various body movements and meows. After all, like a baby, a cat's meow can mean just about anything -- from hunger to frustration to general irritation.

As A Woman Thinking Of Divorce, Is It Necessary To Hire A Divorce Lawyer?
Written by: Cathi Adams | Distributed: 2007-06-14 | Word Count: 509 | Page Views: 2692 | Votes: 8 | Rating: 3.75
Couples finding themselves in the middle of divorce proceedings are growing in number each year. Some studies are showing that over 50 percent of first time marriages will end in divorce, with subsequent marriages ending at even higher percentages! That means a lot of people looking for the expertise of divorce lawyers.

How An Envelope Online Budgeting System Can Help You Take Control Of Your Finances
Written by: Gust Lenglet | Distributed: 2007-06-22 | Word Count: 626 | Page Views: 2689 | Votes: 6 | Rating: 3.67
Have you ever felt that your hard-earned cash is slipping through your fingers? Are you genuinely surprised by how much money you and your family spend? Do you regularly run out of money before the end of the month? Are you racking up credit card debts to fund the difference between what you earn and what you spend? Do you wish that you had more control over your personal budget or your household budget? Don't just sit there, take control over your finances.

Want to Know Where to Go in Boston?
Written by: Mark Anderson | Distributed: 2008-10-10 | Word Count: 1075 | Page Views: 2716 | Votes: 6 | Rating: 3.67
Ever since the colonial days, Boston has been one of the most intriguing cities in the United States. Its rich history is rivaled only by the vast amount of things it has to offer. Whether you're a college student, child, or an adult, there is plenty to find in Boston Massachusetts. From sports and nightlife to culture and nature, there is truly something for everyone. Let's look at what Bean Town has to offer.

How Can Bible Study Help Kids Grow Up?
Written by: Adam Barnett | Distributed: 2007-10-23 | Word Count: 463 | Page Views: 3441 | Votes: 11 | Rating: 3.64
Bible study is probably the number one way to keep your kids on the right path, and keep them out of trouble. We can't watch our kids all day and night, and we can't keep bad influences from coming to them. But what we CAN do is make sure they know wrong from right. This will help them when they face problems and major decisions on their own.












Download an eBook today
 
Directory Navigation
Locate By Author

Locate By Category:
ALL Categories
Arts & Crafts
Arts & Entertainment
Automotive
Business - Offline
Business - Online
Career
Computers
Education
Family
Finance
Food & Drink
Health & Wellness
Home & Garden
Humor
Internet
Nature & Pets
Real Estate
Religion
Self Improvement
Shopping
Society
Sports & Recreation
Technology
Travel & Leisure
Uncategorized
World Events
Writing & Speaking

Change Number of Results:
50 - 100 - 200 - 500
Article Reprint Rights
Creative Commons License

This work is
licensed under a
Creative Commons
License


You are not required to show the creative commons license notice when you reprint this work.
Article Publishing Tools
Print Article
Email-to-Blog
HTML Source Code
Text Newsletter Format
Link Back HTML

Blog Publishing Tools

Internal ID: #6843
Article Statistics
Word Count: 899

Total Views: 2437

Article Rating: 2.54 of 5
Votes Cast: 13

More Articles By Author:




Article Title Search:

Widow Search
Right Blinker
Google
Yahoo!
Zuula
Bing
Cuil

Last Distribution Date:
2009-07-09 10:24:00






All Articles are Copyright © 2001-2017 of the Defined Authors.

All other material and images on this site are:
Copyright © 2001-2017, ThePhantomWriters.com