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I previously wrote about saving on groceries by meal planning. But if you aren’t basing your menu off of available sales and coupons then you are basically giving money away. By being a savvy shopper, you can minimize your grocery bill while still eating the foods you enjoy. The key to saving money on groceries is knowing what deals to take advantage of, and which to let pass by.
Cartbuster Events
Cartbuster events are also known as mix-and-match sales. Several different brands will be available for sale and any combination of them can be used.
As food conglomerates have gotten larger, they have been able to create cross-brand sales that leave a substantial portion of the store on sale. Kraft is especially big on cartbuster events. Typically, these sales work by requiring a certain number of items to be purchased to get the sale price. A common cartbuster sale will [...]
If you’ve been paying attention to the news lately, you’ve most certainly heard of the term Bitcoin being used. It’s an online currency that you can use to buy things with. I know this sounds crazy, so I am going to try my best to explain what Bitcoin is all about.
The History of Bitcoin
Bitcoin began back in 2008 by a developer as a peer-to-peer electronic payment system. The allure of Bitcoins are that they are free from central authority. In the United States, we have the Federal Reserve overseeing the money supply. With Bitcoins, you don’t have this authority. It was pre-programmed that the total number of Bitcoins will never exceed 21,000,000. Every year, fewer and fewer Bitcoins are released to the public. In roughly 2040, no more Bitcoins will be produced.
The entire process of creating Bitcoins is very technical and I will not be going into [...]
When you’re stressed, bored or upset, do you find yourself reaching for sugary or fatty foods to help you cope? Many people – especially women – turn to food during times of emotional distress. Emotional eating may well make you feel more positive in the short term but it’s not the most positive way to react.
Why It’s Bad
Most of the time, comfort eating involves foods that are rich in fat and sugar so they’re almost definitely going to do damage to your waistline unless you’re doing enough exercise to burn off the calories. This can create a vicious circle in which you feel bad or guilty about eating comfort foods and this prompts you to eat some more to cope with these feelings.
Eating the ‘wrong’ type of foods can also lead to a spike in blood sugar levels, which may give you some energy in the short [...]
If there’s anything we as parents want for our children, it’s that they grow up to be happy, healthy and wise adults. Learning to manage their money, as well as their life, can be an excellent influence.
You can be that helpful influence, too. Here are five ideas:
Life is not a democracy. It’s not always fair, either. It would be wonderful – or so kids often think – if they always got their way. Unfortunately, some of those demands wouldn’t be good for them, or the family in general. You have the opportunity to spoil them when they’re young — don’t do it. It only teaches them that they can repeat the same behavior as adults.
Everyone works. You must work, in order to bring in food, transportation and a place to stay. They need to work, too, to help out with family chores. Even little children [...]
We all have to deal with difficult items now and then.
Nasty things — like leftover fish bones, crabshells or spoiled eggs.
Dear things — like a favorite pair of shoes, too stained and tattered to wear anymore. Or the body of your beloved pet.
Smelly things — like spoiled cheese, chicken manure (We’ve got plenty of that nowadays), and those nasty socks with big, unrepairable holes in the toes.
Make those things go away — plant ‘em.
A good-sized hole can hold any amount of vegetable scraps and old bones. Dig it deep — then plant squash or zucchini seeds on top, for a good source of nitrogen as the garbage decays. (I still remember reading somewhere that the “grandest grapevine in Britain” grew where a number of horses were buried some time before.) Native Americans often buried a fish in each hill of squash and corn, for [...]
…Plantwise, that is.
In many parts of the country, perennials are just beginning to show their green, leafy heads. Lilies; herbs like thyme and sage; daisies; lambs ears, snow in summer or dusty miller (that fuzzy green/gray fill-in stuff); iris…even rosebushes are just starting to grow. Now is the perfect time to divide them, and get double the plants for this growing season!
These iris are starting to crowd each other — a perfect time for dividing
It’s not difficult. Get a good sharp-edged trowel or shovel ready, along with a bucket or pan to put your plants in. (A pocketknife can also help.) Dig around the edge of the clump you plan to divide until it’s loosened and can be lifted out of the ground.
Find the center of the plant, then use your sharp edge to make a quick, clean cut. (Banging the plant a [...]
There are all sorts of bad money moves we make. Here are three big ones that many people make today. If you find yourself making these mistakes, do your best to correct them sooner rather than later.
Chasing Yields
Certificates of Deposits and savings accounts are yielding squat today. I remember back in the early 2000’s when I was getting 5% from my online bank for my savings account. Now I’m excited if I see 1%. Since I am young, the low interest rates don’t affect me too much when compared with senior citizens who many rely on bond interest and certificates of deposit interest to supplement their incomes.
Because of the low yields, many investors are chasing higher yields. You see ads in magazines and newspapers all of the time and on TV and radio ads as well. In most cases the advertisement doesn’t correctly mention the risks involved [...]
You need - no, let’s face it, you WANT - a new car. (After all, your current one is getting old, too many miles, needs repairs, is getting rusty, etc etc etc.)
Or tickets to the next Prince concert. (They start at $250 this summer in Denver!)
Or clothes…plus a stop at that interesting new restaurant, on the way to shop for clothes.
Or a vacation – Aruba, Albania, anywhere that isn’t here. Plus new suitcases, maybe a cruise thrown in…and oh yes, those clothes.
Want to get the most out of it, at the least amount possible?
Wait.
Sure, you can go out and buy a new car this weekend: emphasis on the word “can.” But will you get the best deal? Probably not. For one thing, you haven’t done any research yet. What’s the best vehicle for your needs? How much mileage can you get? (With gas prices mostly edging up, this is [...]
Online casinos provide a vehicle through which people can enjoy casino gaming right from their own home. When someone joins an online casino, they expect to be treated in a fair manner. While many casino sites found online are reputable and safe sites, sadly there are some that are not. There is no governing body that regulates the online casino industry. However, there are certain independent bodies that have been formed in order to keep tabs on online casinos.
An example of one of these bodies would be eCOGRA. This entity provides certificate of approval to the online casinos that meet certain criteria. These include appropriate customer support, fair marketing practices, 100% random games and legitimate payout systems. Any online casino passing all of the stated criteria obtains eCOGRA’s “Play it Safe” seal. When looking for an online casino, any site that has attained this qualification can be considered a [...]
In this tough economy, quitting your job is probably the last thing on your mind. If the economy was better, it might be a no-brainer as you could easily get a new job. But just because the economy is tough, it doesn’t mean you shouldn’t be looking for greener pastures if your current job is intolerable. Here are four reasons why you should begin looking for a new job sooner rather than later.
Your Company is in a Downward Spiral
If you have noticed that your company is cutting back on expenses, including raises and benefits and revenues have been trending down, you might want to consider looking for a new job now. The reason is because if the company is a sinking ship, you are going to lose your job eventually, either through a layoff or the company simply going out of business. There is nothing more nerve racking [...]
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