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The free lunch lives!
Times may be tight, but here are places where you can eat, drink, play and find treasures without paying a dime.


Cars: Buy online
Did you know that many car dealerships now have two sales teams? The one you’ve traditionally dealt with helps showroom customers. The other deals with people who initiate contact and negotiate over the Internet.

Edmunds.com senior consumer advice editor Philip Reed says the traditional sales force is paid mostly by commission, which gives salespeople an incentive to get you to pay as much as possible. But Internet salespeople usually receive a salary, plus a bonus for the number of cars they sell, which motivates them to move vehicles quickly.


Result? You can save $1,500 to $2,000 on the price of a $25,000 car just by going online. Internet salespeople will send you quotes, help you find financing and even set up a test drive, Reed says. And because you don’t sit through the two-hour showroom negotiation, you’re not pressured into buying things like paint protection or a high-end alarm system.

Checking: You still can find it for free
You might have read that some banks are looking to tack on fees to make up for lost revenue after a rule goes into effect July 1 requiring banks to have customers opt in to get overdraft protection. That won’t take away free checking altogether, but you may have to look harder to make sure you don’t pay extra fees — even if that’s just a few dollars a month. Go to checking finder.com to find free checking accounts at community banks or credit unions that may actually pay you about 3 percent to 4 percent interest, as long as you make at least 10 to 15 debit card purchases and one automatic transfer or direct deposit per month.

Clothing: Rent dresses (yes, really!)
If prom is in your daughter’s future — or if you have invitations for weddings or other spring social events piling up — you may be calculating the hundreds of dollars you’re likely to spend on dresses.

Leave the money in your bank account and rent instead. Rent the Runway, a Web site started by two Harvard Business School grads, rents designer dresses from more than 40 big names (Catherine Malandrino, Doo.Ri, Lela Rose) for about 10 percent of the retail price. A $1,250 Herve Leger rents for $150; a $440 Badgley Mischka for $50. The site solves the size problem by shipping two sizes simultaneously, and it deals with wear and tear by tacking a $5 insurance charge onto each dress. After eight to 15 wears (with cleanings after each), the dresses are retired. The site just added 5,000 items to satisfy demand and will offer accessories and bridal wear, including bridesmaid dresses, in the months to come.

Insurance: Pay premiums annually
Paying insurance premiums monthly — for home, car and life policies, for example — may ease cash flow problems, but, ultimately, that could cost you more than you think. Switching from monthly to annual payments can save you money because some insurers charge fees for monthly billing.

Paying monthly, quarterly or semiannually results in what are known as “fractional premiums.” The higher cost of such premiums amounts to an annual interest charge of 9.5 percent to 29.7 percent, according to insurance broker AccuQuote. Insurers usually don’t disclose the effective annual rate of these fractional payments, but you can figure it out yourself with a calculator like the one at First Tax Solution LLC Financial Tools

Health care: Ask for a break
Even if you have good health insurance — and especially if you don’t — you’re well aware that your plan won’t pay for some services (or portions of services). You can save substantially by asking your doctor for a discount on those items, says consumer specialist Carrie McLean of eHealthInsurance. Insurance companies pay doctors and hospitals an average of only 40 percent of the full bill you’d receive if you were paying on your own, so the fact that they are willing to accept so much less than full price from insurers (including Medicare) gives you a lot of wiggle room in negotiations. “By offering to pay upfront or creating a payment plan with your doctor or hospital, you may be able to get discounts of up to 30 percent of the full charge,” McLean says. If you’re uncomfortable having a conversation about money directly with your doctor, then discuss billing with the office manager instead.


Vacation: Swap homes
A faraway vacation may seem like an extravagance in these tough economic times, but what if you didn’t have to pay for a hotel? What if you swapped houses with a colleague, college buddy, friend or family member?

That could cut the cost of the trip significantly, giving you access to a kitchen, so you can eat in and save more, and possibly a car, too. If you don’t have a friend or relative who’ll swap, Web sites such as Home Exchange.com, Roofswap.com and Intervac.com can help you find free lodging. You can get to know the homeowners and look at their homes before agreeing to swap. HomeExchange.com has approximately 30,000 listings in about 130 countries. You’ll incur some costs: To use Home Exchange.com, you must buy a three-month membership for $47.85 or a full-year membership for $119.40.

Pets: Get hands-on
Karen Halligan, author of “What Every Pet Owner Should Know,” suggests checking your pet for lumps weekly. Why? “You pick up on growths, tumors, lumps and bumps, see if their teeth are looking bad or their coat is abnormal,” she says. Catching problems early can mean the difference between an inexpensive office procedure and chemotherapy that costs thousands — and it can save your pet’s life. How do you do it? In a well-lit area, start at your pet’s head and work down to his tail. Be hands-on so you’ll get used to what your pet looks, feels and smells like when he’s healthy. Then, when something changes, you’ll know you should call the vet.

Colleges: Save while spending
Need to jump-start your child’s college fund? At upromise.com, you can sign up for rebates on everyday purchases. The money will accumulate in an account until you invest it in a 529 college savings plan or a high-yield savings account, use it to pay down a student loan or request a check to apply it toward college expenses.

Read more: http://today.msnbc.msn.com/id/35911777/ns/today-today_technology_and_money/#ixzz0iYJQvyu6

10 Simple Steps to Save Money

Saving Money has always been something we American's should do. No Matter What.
And now it is more important than ever.


1. Make a list of all your expenses:

Which includes, utilities, house payment, car payment, rent, property taxes, insurance on your house, autos, medical insurance, donations, entertainment, golfing, clothes, etc. I mean everything.

Put the list in 2 categories: Name the first category Needs: Name the other category wants/pleasures and be honest.

An example of a need is housing and transportation, an example of a want/pleasure is golfing 3 days a week and a cappuccino every day.

2. Make a budget and stick to it. Take the 2 list from above and apply a dollar amount to each item. Look at what you are actually spending for each and take a look at your income.

3. Stop buying on credit: credit cards, auto loans, pay day loans are the worst.

4. Eliminate debt first: stop paying late fees. And do not incurre more debt. Once debt is paid it will free up more of your money.

5. Trim your expenses: this is much easier than you think:

Take the 2 list from above: Start with the wants/pleasure list first. I am not saying completely cut everything out but take a look at it and cut 30% of the cost out. Still enjoy life find different ways that are less expensive to do the same things you enjoy. If you must golf go the a least expensive course. And for your favorite drink make it at home most of the time and buy it out only 1 per week.

Then take list 1 from above: Your needs are different but those expenses can be cut as well. If your house payment, rent, car payment is more than it should be, sale the house, rent out a room to help with expenses, find a less expensive place to rent, trade in that auto for something less expensive and do not buy another car until this one is paid off. A car payment is like flushing your money down the toilet. Most cars today will last 10 years with just the normal maintenance.

Then look at your food budget. Or make a food budget. Stop spending for fast food and eating out all the time. Cook at home. My book Save Your Money Save Your Family will be in book stores soon. You really can feed a family of 4 for $250.00 per month with a little planning and cooking more at home. Make it a family affair. And by doing this you will be eating much healthier.

6. Always record your expenses: As soon as you use that debit card. (Which is another great way for consumers to loose track of their finances and for banks to capitalize on making more money) write down the purchase immediately, you know as well as I do we loose that little pieces of paper that are called receipts for the transaction. And do not use a credit card.

7. Always know where your money is to the penny: With online excess today for your bank account, there is no reason for you not knowing where every penny is. And you should never overdraft your account. You are only making the bank money. And killing your cash flow and credit.

8. Set a time frame for you and your family: This will help you to meet your goals in a realistic manner.

9. Pay yourself first: Take 10% of your check each time you are paid and put it in the bank. Include it as one of your needs items. And once it is in the savings DO NOT TAKE IT OUT. CUT SOMEWHERE ELSE. Remember it is your money, you worked for it, you should have some of it for your tomorrows, and no one else is going to help you save your money, only you and your family.

10. SAVING MONEY IS YOUR GOAL: Follow the steps above and you will be successful. YOU CAN DO THIS!!!! STAY FOCUSED, KEEP THE OBJECTIVE ALWAYS IN MIND, HOW GREAT IT WOULD BE TO HAVE YOUR HOME PAID FOR COMPLETELY IN A SHORT FEW YEARS OR TO PAY CASH FOR YOUR NEXT CAR.