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Money Saving Ideas

Miscalculated Costs

Posted on March 26, 2012 by Kristy Lamar

Even the most well planned out budgets have errors. When it is a miscalculated cost that is the cause of your distress, there is not much else to do but find the error and find some extra money to cover the expense. If you get that money before your bank account gets an overdraft fee, all the better. Average fees for overdraft are about $35.00. These types of fees do nothing for you, just a punishment for your error. If you are going to pay a fee, at least pay one that will … Continue reading →

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Sunday Budget Tip #4

Posted on March 25, 2012 by Kristy Lamar

#4 Don’t waste left overs One of my pet peeves is having to throw away food. My kids are not fond of left overs, so I work hard to recreate new meals without them knowing it was yesterday’s dinner. I like to take my left over meat loaf and make a Shepahrd’s pie out of it. Once the meatloaf is all crumbled up and carrots and peas are added, covered with corn and mashed potatoes, they do not know the difference.  Left over chicken or steak gets put into pasta, … Continue reading →

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Make Your Own Pizza

Posted on March 24, 2012 by Kristy Lamar

    Cutting out the extra costs but still want the flavor and fun? Make your own pizza! The dough is simple. Make it ahead of time and keep it in the refrigerator for those extra busy nights. 1  package active dry yeast (.25 ounce) 1 cup warm water 2 cups bread flour 2 tblsp olive oil 1 tsp salt 2 tsps white sugar Dissolve yeast in warm water. Let stand about 10 minutes. Combine 2 cups bread flour, olive oil, salt, white sugar and yeast mixture; stir well. Beat to form a … Continue reading →

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Helping with Down Payments

Posted on March 23, 2012 by Kristy Lamar

Putting a down payment on a purchase lowers your monthly costs. The more that can be placed as a down payment, the easier it will be to pay off. Anytime you are financing something new, take a few moments and really examine your budget. How much can you afford extra each month and where is that money going to come from? A payday loan can help you get more money to put down on your purchase.  The more you put down up front, the lower you monthly cost. Do you have a way to lower … Continue reading →

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End of the Month Nears

Posted on March 22, 2012 by Kristy Lamar

I usually have an onslaught of bills that get piled up during the last of the month. Most financial institutions send you a bill with a payment date of their choosing. It doesn’t necessarily fit into my pay cycle, but I have to figure out how to manage it all. I try to put money aside form the first half of the month. Most of the time, I do well keeping it all situated and have the extra I need for the  last week. There are times though, when other costs creep into my … Continue reading →

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No Stress Loans

Posted on March 21, 2012 by Kristy Lamar

When the walls are caving in and there seems like no place to go, think again. Online payday loan applications are free, simple, and offer a good chance to get that bit of extra money to help you out. There is no credit bureau check or embarrassing questions about your credit history. No stress loans are there to help everyday people deal with everyday matters. People of various income levels use payday loan for different reasons. No matter the cause, no stress loans help many people out of a tight spot. Getting … Continue reading →

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Over The Top Birthday Celebrations

Posted on March 20, 2012 by Kristy Lamar

  In some families, it is almost a contest to see who can top who with the children’s birthday celebrations. I’m pretty glad that I live out of state so that I do not have to keep up in the running with my two children. I did take my son to a birthday party a few months back when I over heard the mom talking about spending almost $1000 on the party. I just sat there  and imagined what I could do with that kind of money. I do know it wouldn’t … Continue reading →

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Purchasing a New Car

Posted on March 19, 2012 by Kristy Lamar

Purchasing a new car is lots of fun, but there are many costs to consider. The more you have to add to the deposit, the smaller the loan payments will be for the next few years. If you are buying from an individual, you will be paying taxes and registration at the Department of Motor Vehicles. Buying a car is a very personal decision and when you find one that you truly want, missing some funds to cover the costs should not keep you from your purchase. Online payday loans work well … Continue reading →

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Sunday Budget Tip #3

Posted on March 18, 2012 by Kristy Lamar

#3 Energy Savings When the light bulbs go on in your home, are you saving money? Replace old bulbs with new more energy efficient ones. Get in touch with your energy company or look to your state government assistance program if you are a low income household. There are applications to fill out for assistance that can lower your energy bill. I know in California there is a program that can lower your bill by 20%. It doesn’t hurt to fill out the application. The worst they can say is … Continue reading →

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Stretching your Budget

Posted on March 13, 2012 by Kristy Lamar

With the prices food so high, it sure is difficult to stretch your grocery budget nowadays. Food that is healthy has a much higher price tag. It makes keeping a healthy balance for your family that much more of a challenge. Some people have a grow it yourself option. Having a yard and living in an area with a longer growing period can cut down costs. Growing what you can and canning/freezing for the off season is how I grew up. Not everyone has this option though. Cutting down on restaurant conveniences … Continue reading →

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