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How to Save Money in a Recession

Save Money in a Recession

Want to Know How to Save Money?

Saving money is suddenly fashionable. After years of living beyond our means and putting it on the plastic suddenly the world is faced with economic recession saving is fashionable.

The reality for most people is quite simple: its easier to not spend money than to earn it. Not spending $20 takes a single decision, earning it may take someone on the minimum wage 2 or 3 hours.

Maybe I am lucky, my mother was always living on next to nothing, as soon as I got a job a rebelled and spent money, all that I earned in fact. That only lasted for a few years though because I never wanted to be tied to job and quickly discovered the quickest way to increase my bank balance was to not spend: so much less effort than over-time or a promotion or a second job.

So now here are some of the saving money tips which are intuitive to me but seem to be new to many people.

How to Save Money and Get Out of Debt

Saving Money on Groceries

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100 Tips for Recycling Your Useless SUV

Gloat? Who, me?

A couple of weeks ago I was walking Rocket, our Malamute dog, which is pretty much what I do every day after I get home from my slave shift at the cube farm. Looking both ways at the four-way stop at corner of the suburban block on which we live, I confirmed the way was clear and stepped into the intersection.

Immediately a HUGE SUV jolted to a stop inches from me and the dog. Where did it come from? Who knows! Where do any of them come from? I stopped too, right there in the middle of the street, and stared right into the dull, dead eyes of a well-dressed young woman talking on a cell phone. She barely registered the fact that she had nearly killed me and my dog, and continued to talk on her cell phone as if nothing had even happened.

Then I said a really bad word that described her and her mother in an unflattering, even vulgar way. Continue reading 100 Tips for Recycling Your Useless SUV

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Critical Thinkers Make Lousy Consumers

Critical Thinkers Make Lousy Consumers

Over the course of the past twenty-five years the U.S. economy has shifted from a manufacturing base to a consumer base. In other words, people my age (I’m 55) grew up in a United States that produced most of the world’s steel, automobiles, and small electronics, as well as a good deal of the world’s food and oil. That manufacturing base made us one of the wealthiest nations on earth for over 30 years, and thanks to labor unions, it also created an affluent, educated, and active middle class.

Today, the U.S. imports most of its goods and even many of its services from other countries. Globalization and a trend toward corporate mergers and acquisitions has led to the relocation of most manufacturing operations to other countries where labor and raw materials are cheap. The fact that we now import almost everything we need is often disguised in the phrase “consumer economy” or “consumer driven economy,” as if consumption itself were a marketable commodity. How can buying things be a commodity?

Buying things can become a commodity if you can market debt, and you can, and we do. In reality, the biggest U.S. commodity right now is debt. People who used to make enough money to make cash purchases now borrow money to buy the things they need (which are produced elsewhere) and the interest on their debt creates profit, which can then be sold as a commodity (often, ironically, to other countries). The loss of good manufacturing jobs has gone hand in hand with the increased availability of easy credit, and it is that credit debt and its profit that we sell in the form of securities.

The truth of the moment is that if Americans don’t keep borrowing and keep Continue reading Critical Thinkers Make Lousy Consumers

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Saving Massive Time

The following five tips represent ways in which you can alter your life to save massive amounts of time. Who needs little five minute snippets of time when you can try out something for a month that could save you an eight-hour day worth of spare time? These five methods of expanding your time are also more difficult. They involve things like unplugging yourself from the Matrix for weeks at a time or spending some of your social time away from friends and family. I don’t recommend you taking on these experiments all the time, since they can be alienating. Employing them when you have a major self-imposed deadline, however, can give you the extra time you need to achieve an important goal on your project.

Give up Facebook, TV or mobile internet for 30 days. I realize that this is a doozy, but the fact that it sends shivers down your spine might be exactly the reason why you should do it. One should not become too dependent on any single activity in this world. We’ve all become a bit too dependent on Facebook, TV and using the internet wherever we go. Unplugging yourself Continue reading Saving Massive Time

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How To Add Hours to Your Week

Imagine what you could do with an extra 365 hours a year. Would you finally have the time to plan out your business, book, blog or other creative project? Maybe you’d use the time to relax after a long day of work so you can power through your project on the weekend. You could spend it with your kids, spouse or friends. Regardless of how you’d use it, you’d figure out the most productive thing possible for you and your fulfillment. The following 12 tips will help you to save five minutes each. If you add up all 12, that will give you an entire hour every day to use as you please.

1. Skip the snooze button and train yourself to get up right away in the morning. If you’re like most people, you hit the snooze button two or three times before you wake up in the morning. You may feel like you need that extra five to 20 minutes to fully get your bearings at the break of dawn. In reality, it’s a habit that can be broken. Once you get used to getting up the first time your alarm goes off, you’ll be able to spring out of bed and straight into your super productive day. The first step in skipping the snooze is to place your alarm clock far enough away from your bed that you have to actually get out of bed to reach it. Secondly, you want to practice being conscious when you turn off the alarm. To accomplish this, before you go to bed, look at the alarm clock and think about how good it will feel to have that extra time to work on your new project. If your business, book or blog is important to you, this will be incentive enough to wake up. Lastly, you should Continue reading How To Add Hours to Your Week

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GreenDot vs. GoFarr – Prepaid creditcards

Who offers the best prepaid credit cards: GreenDot or GoFarr

The Farrah Gray prepaid MasterCard cards or the goFarr cards have been launched by First Premier Bank in collaboration with Diamond Financial Products. Diamond Financial Products is one of the fastest growing companies which provide stored value products. The company is affiliated with various organizations including Electronic Transactions Association (ETA), Financial Service Centers of America (FISCA), National Association of Convenience Stores (NACS), Southfield Chamber of Commerce and the Associated Food Dealers of Michigan (AFD). The First Premier Bank is the 28th largest ACH originating institution and ranks as the 12th largest card issuer in the United States.

The Farrah Gray prepaid MasterCard cards popularly known as the goFarr cards features Continue reading GreenDot vs. GoFarr – Prepaid creditcards

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Prepaid Visa Cards – NetSpend vs. RushCard

The best Prepaid Visa Cards – NetSpend vs. RushCard

NetSpend Corporation, headquartered in U.S.A., is a leading provider of processing and marketing services for private and proprietary MasterCard and Visa prepaid debit cards. Netspend Corp. sells cards in around 10,000 grocery and convenience stores, gas stations and check-cashing centers through out the U.S. The company aims to provide consumers who are in want of established credit or banking relations, the much-needed security and convenience generally related with debit and credit cards.

Capital One or Chase Credit Card
Prepaid Visa Cards

Although the cards offered by Netspend have a Visa or MasterCard emblem, Continue reading Prepaid Visa Cards – NetSpend vs. RushCard

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Savings vs Money Market Accounts – Which is best?

Savings vs Money Market Accounts – Which is best?

So, you’ve got a little cash and you’re wondering what to do with it?

Maybe its a hefty tax return, a small inheritance or a bonus for that killer presentation you gave at work.

Regardless of where the windfall came from, that money can be the start of a new, financially-suave you.

With a little help from yours truly of course 🙂

The fact is, there’s a whole host of investing options out there that can make your money work for you. Two of the most basic of these are the traditional savings account and a money market account. But which is best? Let’s find out.


It used to be that the savings account was the first place we turned when we wanted to do something Continue reading Savings vs Money Market Accounts – Which is best?