My bank has free on line pay so I pay all

My small town is offering a price of 1 month of free electricity for the best lights nm [2008-11-21]
nm

Snapfish free gift today on Oprah [2008-11-12]
Today on Oprah she announced that anyone that went into her website Oprah.com could get a free personalized picture album - with up to 20 digital pic upload by Sunday night. Looked it over quickl and is really neat. $30 value.

need a good free internet adult website/content [2008-11-10]
my NINE year old was looking at po rn on You Tube today. I walked in on him watching something totally adult. He said he clicked on something and when it came up it was that...i believed him but later on when I looked at the history there were 5 different adult videos he had viewed!!!!! how should I approach this??

I used Debt Free Today. Pretty good [2008-11-03]
company. Never had any troubles with them. Just sent them a check once a month and they distributed among my creditors on the agreed amount. I think we paid off in 4 years. Was really nice!

free credit checks. [2008-10-26]
Is there a way to obtain your credit report for free? I have never checked it. I have always been afraid to, but now I would like to check it now matter how bad and figure on a way to make it better. I have looked on line and found several sites offering free credit checks, but then pay a monthly fee for something. I don I have too many straws in my bank account. I was wondering if my bank would do it or maybe an 800. If I ask, wouldI get laughed out of the building imaging something for free?TIA.

Transfer your banking business to a free checking account [2008-10-22]
Washington Mutual Compass Bank, and many others offer completely free checking accounts. There’s no reason you should be paying maintenance and annual fees for a checking account.

You're free to pray, but not free to discriminate [2008-10-16]
It's as simple as that.

I'm a volunteer nurse at the free clinic [2008-10-13]
I do medical transcription for money and nursing for free. I've been a nurse since 2001, and I sometimes miss people! Unfortunately, since I've upped my hours at work, I haven't been able to volunteer for the last couple of months. Doing the free clinic is not like actual nursing work in that there's no backstabbing and pettiness, just appreciation. It's scary, though, knowing what medical problems people have been having for days and have to wait for the free clinic day because they couldn't afford the doctor's office (or the hospital). However, the doctors who do volunteer have the free clinic patients come to their real clinic for free if they have an issue that can't be addressed at the church where the free clinic is located, like drainage of a cyst or something. Anyway, I wish I had more time for it. *sigh*

I'm starting my own line of kid's soaps, hoping it will take off [2008-10-13]
:)

I hate it when (feel free to add your own) [2008-10-10]
When you get the kitchen completely cleaned up and forget the crockpot (dirty) on the other counter. arrrrgh

There is free legal assistance for cases like this (sm) [2008-09-22]
Look up Legal Aid for your area - if I find a link I will post it for you. I think you need to report what your son has told you to someone!!! Who ordered the visitation? Get in touch with that office and start from there finding out who to report it to.

Free legal assistance link - yes, start now!! sm [2008-09-22]
http://www.abanet.org/legalservices/findlegalhelp/faq_freehelp.cfm

I hope I'm not out of line by asking this, [2008-09-20]
but would it be possible for you to watch them 2-3 hours after school? Or even just your grandson? I I have an 11-yo, an 8-yo and an almost 6-yo. The only 1 I ever leave alone is my 11-yo and that I also make sure that he has my cell phone # and I tell the lady next door just in case. I never leave him more than an hour. There He can What are these parents thinking. Saving money is not worth the possible disaster that could happen. I think, no matter how hard it may be, that you need to tell them that they need to get a babysitter for these children. If you don I would probably address this with your son (I If they refuse to do so, then I would definitely report them to social services. If they threaten to keep your GS from you, you do have rights. You could take them to family court. I know it would be hard to do, but I think it would be even harder if something happened to your GS because you didn I I hope nothing happens to them in the meantime. Take care.

Pogo.com has free games with chat rooms - nm [2008-09-19]
xx

line counting software [2008-09-04]
I just read on this site that word has a count function!!! I did not know that. I just spent 89.00 on Wordtraverse software. I am sending it back!

The one with a woman who doesn't want free TV, [2008-08-31]
who turns out to be made of gold. She punches the table and runs out. Thank goodness for DVR to fly through that rubbish!

I LOVE THE FREE CREDIT GUY!! [2008-08-31]
and the songs are so catchy. bite your tongue, woman!!

Go on-line to JMS - Just My Size sm [2008-08-20]
great selection, comfortable, plus they have workout clothes.

I worked for them for a short time and line counts never added up. sm [2008-08-13]
Check the archives. I proved I was cheated lines and quit without notice. They were taking my spaces, cutting them in half and only paying that amount of lines even though required to double space after periods, etc. Software was comparable to Ext. This was 2-3 years ago though.

free credit report.com commercial....it [2008-08-13]
xx

I live in a state with Tax-Free shopping. No Sales Tax ever. nm [2008-07-30]
x

My daughter and I bought our laptops during the tax-free, sm [2008-07-30]
holiday doing it online. We told them we were from TN and their accounting took care of it. No crowds, but well worth the savings.

So correct....*Free* always comes with a cost.... [2008-07-30]
If everyone who wants this fabulous free healthcare would just do a little research they would find out it is not such a great thing. We have several friends in Canada who hate the healthcare system. Canada faces a shortage of docs because they come to the US for better training and the potential for more money and practice here instead. People, do your research, don't believe everything you hear from someone who just wants your vote.

Tax Free Holiday [2008-07-29]
I'm posting this here and in the WAHM forums, this link shows which states are having sales tax exempt shopping, when they are having it and what items are exempt. Everyone (Especially MTs) could use to save a few bucks. http://singleparents.about.com/od/taxfreeholidays/2007_Sales_Tax_Free_Holidays.htm I know the link says 2007 in it, but its for 2008 (as in my case NC is this weekend).

Tax free shopping [2008-07-29]
Thanks for the information. I haven't checked yet to see if NY is included, but I know we do have them every year. We usually go, we have what I think is a higher tax than most states. I know the poster below equated it to shopping the day after Thanksgiving, but I love it. I find it challenging and for me it's the start of Christmas shopping for the family.

Everyone seems [2008-11-22]
pretty happy. It doesn't seem prurient. I've been in favor of other situations in which people are free to develop on an internal time clock rather than one imposed externally & in that regard there's probably something to this, but the siblings following the first probably got the idea to continue for a long time from watching, so there's definitely a bias there. Would be interesting for someone to design a study comparing long-time thumb-suckers with children weaned at a later age. This woman would probably say that the experience of breastfeeding can't be duplicated or substituted with a bottle or a plastic nipple because the emotional part of it would be lost. I don't know. I guess it depends on the family involved. I remember on Six Feet Under, how Lisa & Nate were letting Maya sleep in their bed until she decided she didn't want to any more. I think there's just a whole movement out there comprised of people with similar ideas, & until someone does a long-term study, I guess I'd have to say any suggestion that it's out-&-out wrong is just conjecture or has a cultural bias.

Birthdays with holidays. [2008-11-21]
Sometimes I like that the birthdays are around the holidays because then I can buy extra stuff and look at it all and decide how to split it up between the 2. Other times, like this year, we don't have much $ so I would really prefer them to be separated more but can choose that one! My husband normally leaves the lights on all night. Turn on when he gets home from work and off in the morning...not this year. I think its reasonable to just do a few hours each evening. I don't think we'll put up as many as we normally do either. Usually we line all the windows, roof, bushes, etc. Probably keep it simple this year.

Help is a safety net you have paid for sm [2008-11-21]
Food stamps are a safety net we all pay for, all forms of public assistance are things we have been paying for all along. TAKE the help you need! Do move closer to family if you possibly can. I have been in your shoes myself. I lost my home to foreclosure 4 years ago because of having a near-fatal drug interaction and losing my job of nearly 7 years. I made a couple of moves and finally ended up in a small town out of state from where I had lived for 30 years. I lived with a close friend for about 9 months and had the opportunity to buy a mobile home for $3000. The people I bought it from said I could make payments and I was able to pay it off in 5 months. It needed a lot of work and it has gotten it, most of which I have done myself. This project really helped me to regain parts of myself I had lost. It gave me a reason to get up and get going on my days off. I turned this ugly old thing into a lovely, comfortable home I cherish. I have lost about 50-60 lbs since living here and I have brought the idea of vastly cutting expenses in line with making more money. The end result is that I am very well off financially, better than in my entire life. DO get medication to help you if you can. I didn't have medication to help because I am allergic to every psychotropic in existence. I did this by pulling myself up by the boot straps, but if I could have had help, I would have. There IS a brighter future out there. You CAN have that brighter future because you DESERVE IT. That said, no one expects you to get there alone!!! Don't be embarrassed to ask and receive help. You will be able to help others later. Years ago, when my kids were young, I was a single parent, no support and it was Christmas time. My kids didn't even have adequate clothing or food. A neighbor I hardly knew handed me a Christmas card. Inside was a $100 gift card to K-Mart. She said that many years before that, she had been in my shoes and someone had given her $100 one Christmas, she was now paying this forward to me. The only provision was that I return this favor when I could, and that I bought something for myself too because I deserve nice things for my hard work. It was a turning point for me. I have been more of a giver since. Although I could have paid this back last year, I didn't know anyone who would appropriately benefit. This year, I do and I had to tell her that I was going to do this and why. She cried and felt embarrassed because, she said, she was usually in the position to give and it hurt a little to receive. I reminded her that she was GIVING me the gift of giving with pleasure. Others are going to give to you with pleasure, love, friendship and concern for your well being. TAKE IT. One day you'll post back here about how good things are and I'll want to hear it.

Just check all the ads in the newspapers. [2008-11-21]
Most stores have special coupons for early birds on Friday morning. Around here, stores open around 4 a.m. and last year we got there at 3 and stood in line in the cold just waiting to get in. Good luck. Don so unless you are first in line at those places you are usually out of luck. I know last year, people were in line at Best Buy at 2 a.m. waiting for it to open at 5.

From your end you could do a disk [2008-11-21]
clean-up and defragment it. Also, make sure you have all your updates and get a spyware/antivirus program to run. Many are free out there. I have Malwarebytes' Anti-Malware (you can Google it) and it seems to catch things my McAfee does not. I also run Spybot. A lot of times freezing up and running slow is caused by spyware, cookies, etc. Don't know if this will help any, but it is a suggestion. Also, I run AVG everyday.

Whatever sale item is most important to you [2008-11-21]
start there...early. Sale ads from Wednesday night's or Thursday morning's newspapers should tell you the store hours and sale hours. Many end at 11am. My dd and I like to go about an hour after stores open, though it's still dark outside. The crowds that were waiting in line overnight for the big ticket items are gone by then, and most everyone else avoids the stores until the afternoon hours, thinking they will be less crowded. Wrong they are though. There are more employees on duty early rather than later, so things move more quickly in the morning hours. We've also found the earlier crowds to be friendlier. DD starts singing Christmas carols while standing in line and soon lots of others join in. She's a blast to shop with. Then we go to a late breakfast and go home before the unfriendly crowds show up. Hope your experience is an enjoyable one.

Has our country taken a turn for the ... [2008-11-21]
Our once great country, I afraid, has just turned a corner for the worse. I have watched as the mentality of our country has gone from setting your mind to something, working hard, and you can accomplish it to giving up, sitting back, and letting somebody else take care of them. I was brought up, as many were, with a good work ethic that was instilled in us by our parents. With the idea that if you want something you had to work for it, and by working for something you learned quickly the difference between wants and needs. There were always incentives for a person to strive to better themselves. Whether it were financial incentives, or just the pride you gained in knowing that you did something yourself, it didn’t matter. I wasn’t long ago that people had that “small town” mentality, and everybody knew their neighbors. And those neighbors helped each other out, in any situation, it was just what you did. And people were so proud that some times help would have to be disguised, you remember the lines like..”Mom made more stew than we could eat, could you help us out by taking it so that it doesn’t go to waste?” But, somewhere along the line those thoughts of some (I guess now the majority) have changed. Some how, if somebody works hard to gain something others feel entitled to have the same things, even if they didn’t have to go through the struggle to earn it. Some how, things like big screen TVs, cell phones, and shiny new cars have wrongly slipped from the “wants” list to the “needs” list. Somewhere the incentives to strive for betterment have been replaced by incentives to be lazy. The easy way out and hand outs are now the norm. The feeling of pride about being self sufficient is supposed to be replaced by guilt for having more than others. The “small town” mentality is gone and our neighbors have turned into strangers. People no longer help out their neighbors or even themselves, instead they sit and wait for the government to come solve things for them. And when help does come they complain that the help wasn’t good enough or didn’t come fast enough, the pride is gone. Well, I refuse to think that way, my small town roots and work ethic runs to deep. I refuse to let somebody take care of me while I am willing and able to take care of myself. I will continue to meet and know my neighbors and help them out when they need it. I will continue to work hard to take care of my needs and by doing so, my wants will take care of themselves. I will continue to volunteer for things and give to charities of my choice regardless of what the government wants to take away from me and give to the undeserving. My hope is to change the thinking back to the way it was. The sun will rise again tomorrow, I’ll keep doing what I do, and this country can be great again….at least in my little corner of it…

it never really goes away, you just have to chalk it up [2008-11-21]
as a lesson learned. this is amazing, cuz the same thing just happened to me this week. been helping someone for ages, then they turn on me !! blew my mind and i we can only learn to surround ourselves with the loved ones around us. you can I and go down the long list of things that you know you are blessed with. this is the worst: youall the people who have done me wrong. so much for getting back to sleep once that list starts creeping into your consciousness. forgive yourself, realize it and remember, no good deed goes unpunished. -- sorry.

I have done it twice and never again. Last [2008-11-20]
year we were up at 3 a.m. and then ended up standing in line for almost 2 hours to check out, THEN I had to start work at 8 a.m. My daughter loves it, so she is going with my aunts this year.

We did something similar [2008-11-20]
but it was a local theater gift card instead of the netflix. I didn't know netflix did such a thing. That's a great idea. A smore's kit is nice to make or homemade marshmellows (they are not that difficult to make as most people think) with homemade hot chocolate mix and some cute mugs. Also made fleece throws for everyone for xmas one year. YOu can get the no-sew fleece and just cut a fringe around the edge to finish it. Offer up a free baby sitting night to the parents, all you need is a card. Tuck it in the tree with their name on it. If there is something special that you make that someone likes you can make up a basket with many of the ingredients and include the recipe card. If it is cookies or something nonperishable you can include a finished version in the basket.

For my fellow Black Friday shoppers, a little tip [2008-11-20]
Don I know they may seem like a great deal, but usually those items are only $20 to $50 less than they normally would be. The aggravation of trying to get it isn I generally go for the smaller deals -- like the cool PJs on sale and the board games or DVDs on sale. These are great sales. One year, I got 3 Fisher Price/Hasbro games for my 5-year-old for $3 each. DVDs were only $5 each. There were3-piece fleece PJs for $9. These are best deals in my opinion. I Then I spent the next month trying to find one anywhere for my kid for Christmas. I go out early on Black Friday for the excitement and some bargains, but never the big ticket stuff. I have that bought before then and stored away safe and sound. To me, it's like tailgating -- the thing that gets me into the spirit of the season!

Sorry you are feeling so down (sm) [2008-11-20]
First of all, relax. You need to go to a doctor and get on an antidepressant? No insurance? If you can get the money to go to the doc for one visit, you can get them to prescribe an antidepressant that is on Walmart's $4 list and get it for $4 a month. Call United Way and see if they can direct you where to get help with your rent. Don't worry about whether or not you have cable, you'll be okay without that unless you need it for your job? Don't worry about not being able to give Christmas gifts...just explain that you don't have the money. People will understand and your grandson can have it explained to him. I have the same isolation issues that you do because of the job. Can you go to a temp agency and see about getting a job outside of your house so you can be around people more? There is a website called Exercisefriends.com where you can meet people in your area who want exercise buddies, maybe just someone who is starting out trying to walk every day or something like that (not sure what your fitness level is). Or advertise on Craigslist for a walking buddy (but be careful of course when first meeting the person). I met one of my best friends this way and have known her for 4 years now. If you want an email buddy feel free to email me. I think everyone is struggling right now and it is hard. I would be happy to have you vent to me via email all you want. :-)

make a call [2008-11-20]
Look in the phone book under Alcoholics Anonymous and call the central office. Tell them you need someone to make a 12-step call. Someone from your local area who is in AA will come over to your house and talk to your husband and you can leave with the kids during this time. By the time you get back, your husband will have decided whether or not he will sober up. Usually the person he talked to will assume responsibility for taking him to the meetings or finding someone who will sponsor him. So you are off the hook at this point. On the other hand, he may decide no thanks and then you will have your real answer. AA is free and pretty crowded with new people around the holidays, so the timing is good. The average age of a person coming into AA is 25 to 45, so there should be plenty of people for him to talk to. At the same meeting place there should be meetings for you called Al-Anon and for your son called Alateen. Good Luck!

I've been there [2008-11-20]
I have been in your shoes. Last year my husband died unexpectedly at age 56, I literally woke up one morning and he was dead in our bed next to me (aneurysm). That started a downhill spiral . . . . since then I I canhow depressed III am working now and starting to pull myself up out of the dark hole I've been in. The poster above is right. You need to see a doctor. I found out that most major health systems have programs for those of us with no insurance and no money. Call their financial offices and just tell them point blank you need to be seen and you have no insurance. They will not refuse you. I found a clinic near my house that is part of a largehospital. I was able to see a doctor for a physicalandget my annual Pap and mammogram done at no charge. They gave me samples of my medications (I have asthma) for a few months until I had insurance again. They prescribed an antidepressant which worked wonders and they gave me that as samples each month. Move closer to your family. You My family has been supportive of all the decisions I Spend time with yourgrandchild, kids can make you feel so much better.If you I did. I didn Forjust myselfI was given 174.00 a month for food and it helped outtremendously. I know it You may be hesitant to take free medical care or ask for food benefits, but remember THIS IS ONLY TEMPORARY and you will get back on your feet. It may take a while, but you will make it. Good luck to you.

I agree with the posters below. [2008-11-20]
You need to move closer to family and see a doctor. You can also find the local social services department and they will provide free medications for 6 months. you will have to see one of their doctors but and fill out some paperwork but that's the only catch. Depression is higher around the holidays. The weather, finances, family, on top of every day stresses can be overwhelming. Being in this antisocial job doesn't help either. I have often thought of getting something a few days a week just to get out of the house. I think it would do anyone good. Know that things could always be worse and they will get better. Your grandson is young, he doesnwhere as this is a common occurrence in kids. I thought it was only my child but since have found many others are the same. Keep your head up and do what you can. It's ok to cry and vent to others. Don't keep it all bottled up inside. You will be surprised to find who your true friends and family are when you open up and really need them.

Your welcome! Don't forget to [2008-11-19]
check the theater website for coupons or a frequent visitor card. He probably wouldn't fill one out himself but you could fill it out and include it in with the gift card. Usually you can get free drinks, etc. and it will really stretch the gift card. We did a movie pack for my brother-in-law and sister-in-law last year. I found a plastic popcorn bucket at the $1 store and wal-mart had candy in the boxes (like at the movies) for a $1. Turned out to be a very cute gift if I do say so myself. We through the giftcard in there instead of buying a $3 card to go along with the giftcard.

A good gift for either... [2008-11-19]
is the small cologne/perfume gift sets you can get at the mall stores. they usually have 5-8 small bottles for $20 or so. Sometimes you can also get whatever their free offer is for a sweatshirt or duffle bag with it too. We did this one year for all the nieces/nephews between 14 and 21 and they all said they loved it. It gave them an opportunity to try different things without being stuck with 1 fragrance and it surprisingly lasts a kid a pretty long time because they don't want to smell like that every day but when they go out it is something special. The girl might also like a gift certificate for a makeup counter to get her colors done and skin consultation. That's if her parents allow her to wear make up. I wish someone had given me one of those when I was that age. Most teens don't realize its not the amount of makeup you put on but HOW you put it on that makes the difference.

How about ideas for siblings and their families? Here's one [2008-11-19]
I have three siblings, with spouses and children. Not only is it expensive to buy for all of them, but it Last year I went to a craft store and bought cheap baskets on sale. I bought each of them a 2-month subscription to the movies that you get through the mail,NetFlix (can do Blockbuster if you want). I put the gift certificate in the basket along with the big boxes of candy that they sell at the show (.99 cents apiece at Walgreens), a few packets of microwave popcorn, and a 6-pack of their favorite soda. They loved it and everybody enjoyed the movies over the next couple of cold winter months. You can purchase the movie gift certificates on line at their website.

Any Black Friday shoppers out there? [2008-11-19]
Tell me your plans for Black Friday. I subscribe to a website that posts the Black Friday ads earlier than they are actually sent out. It helps me map out my day. I get up at 3:00 a.m. and wear my Black Friday shirt -- I have a couple and just ordered 2 more. One reads: If you Another reads: It I ordered 2 new ones. One reads: It and the other one: I train year-round for Black Friday; you don After shopping all day, my BFF and I head to the Roadhouse for dinner and drinks and then we hit the hot tub. In case you didn The closer it gets, the more psyched I get. What are your plans?

Wow! sm [2008-11-19]
INo men or children allowed on Black Friday. :) Black Friday is also my favorite holiday. Good luck fellow shopper!

At certain stores in MI, s/m [2008-11-18]
They will double coupons up to $1. I do this a lot with toothpaste and stockpile it. A lot of times it is 2/$4 or 2/$5, so I either get it free or for 50 cents a tube. A lot of the $1 coupons are for new items and our local store here is pretty good about having those on sale a lot during the first few weeks it is out to promote it, so I get the new things relatively cheap as well. You just have to be careful about not getting things just because you have a coupon. When I coupon shop, it can take me 3 hours because I compare all the prices with brands to coupons, etc. You also have to really know your prices as compared to other stores. I have one store where I get my meat and I don Where they double the $1 coupon, I don I'm really careful about it and belong to an internet sites to help me as well.

I think I spend less at the store when [2008-11-18]
we eat out/order in. Of course, then our entertaining budget increases. But some things are cheaper to just order in. For example, pizzas -- I can get 2 large pepperoni pizzas from the local pizzeria for under $20. If I buy them in the store, I spend about $15 and then have to cook them and my kids don The frozen kind are also smaller. I just got groceries this past Friday and spent $200. I had an entire cart full. In addition to the coupons I had, I also had a 20% discount on everything (one of those reward plans for spending so much the previous 2 months). I got value packs of skinless/boneless chicken breasts - buy 1 get 1 free -- $15 packs of chicken, breakfast sausage on sale, ham steaks on sale, plus my 20% off all that. Overall, I think I spend somewhere around $150 a week on groceries. There are 5 of us -- me, my hubs, and 3 boys -- ages 6 to 11. What I notice that I spend more on are school lunches. It costs $2.00 a day per child and I don I $2/day x 3 kids = $6/day x 5 days/week = $30/week x 4 weeks/month = $120 for lunch. YIKES!!! I think I can do better than that if I pack them.

Not a charge per se........sm [2008-11-18]
Just be sure that you do it from your land line or online throught the Tracfone web site. If you use your Tracfone to activate or add air time, you could lose some of your air time. Overall, I think it is a great way to have a cell phone because you can control the costs (no surprise $400 phone bills) and there is no contract (therefore no fee for cancellation of your contract if you choose to end the service).

Eating Out - About the Same as You [2008-11-18]
We usually get take out on Friday's because I don't cook on Fridays (it's my day off so to speak). Then we go out on Saturday nights just my husband and myself and our best friends and usually spend about $40+ depending on where we go. The kids get together with their kids and they usually get some sort of take out. Then on Saturdays we usually either eat lunch out (fast food) and then Sundays either lunch or dinner out (fast food - I hate to say sometimes it's both). We have been trying to cut down the Saturdays and Sundays as far as the fast food goes. My daughter who is a vegetarian doesn't usually get much from the fast food restaurants so our bill usually isn't that large (About $10). We always use coupons, though (buy 1 get 1 free - we have what is called Entertainment Books that the schools usually sell). My husband will cook, and I hate to say he cooks better than I do.

My daughter had the books and I read them [2008-11-18]
at 50. Absolutely love them and am going with my daughter and her friends to see it. I was disappointed after I read the last book that there were not more. I am currently also watching TrueBlood on HBO and absolutely love it. It is based on a series of 9 books and I am on book #5. Certainly would not recommend the series or books for young teens (very graphic in all aspects), but very good series. The series is not following the books, which is a little disappointing however. I only hope the Twilight movie in in line with the books.