Strive to become debt free...

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??

Anyone ever use a debt settlement company - sm [2008-11-03]
like DebtAmerica or something like that, one that eliminates 30% or more of your balance owed, consolidates it and gets each cc to settle on an agreed amount, etc. I am thinking of going that route instead of CCCS company which is just a DMP (consolidates it but you still pay back every penny and interest). Either way you have a big black mark on your credit. I owe a substantial amount and this way I can probably be debt-free in 3-4 years instead of 8 years.I know they charge a fee, and you have to pay taxes on the settled amount but it will be a lot cheaper for me in the long run and I can afford it a lot better. So if anyone has gone this route, please give me your input and who you used and if you were happy with their service, etc. TIA!

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 posted back in late August about cc debt - sm [2008-10-14]
in response to someone else giving advice on what to do. I told you about how I had a ton of debt my DH knew nothing about, how I was afraid of him, etc. and that I just did not know how to tell him.I consulted a lawyer and got some insight and advise in case things went really bad whenIdid tell him.Well I finally bit the bullet and told him on Monday. He was off from work, kids were in school, I wrote a 4 page letter laying it all out. I went out in the LR and I asked him if he loved me and was happy in our marriage, I got yes Then I handed him the note (bawling at this point) and said I was going out for a little while and we would talk when I came back. He called me 10 minutes later, upset yes, but not nuts as I expected. We ended up talking for 2 hours. He was quite good about it which really surprised me, he was in shock though. Later last night after he got drunk not horribly so but enough, though he did not turn nasty. I hadasked him not to drink but he ignored that, so as a result he broke down said a few things which I probably deserved, though he does not believe I was scared of him....denied ever threatening to kill me, said if he did he was kidding and it was his sick sense of humor. I told him I take all death threats seriously. But comes down to he does not want to divorce over it, for which I am happy and grateful, and I think this will ultimately help us. We are taking a 401K loan for the debt on his cards, and I will go to a credit consolidator for the debt on my cards......any recommendations on that front? My credit is in the dump so this is not going to make it much worse. In five years we will be free and clear, paid off debt and house at that point. I have a huge breach of trust to heal and don So he learned whata conniving wife he has and I learned that I had what I wanted all along, just didn We still have a lot to work out, and I am in for 5 or more years of snide backbiting remarks at times I am sure, but I think there is hope for us actually.

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 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

Well, the only debt we have is our house... [2008-09-28]
so I would put it towards the principal on our mortgage.

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

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

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!!

credit debt [2008-08-24]
Wow thanks for all the good tips. As this got off the subject and onto other things, I just wanted to say I have heard Al-Anon is excellent for people dealing with alcoholism in a spouse or other loved one. It might be a great place for support for you and your kids. Just a thought.

it is wonderful to see how many people have such strong opinions about people in debt. [2008-08-23]
I thought that the purpose of this board was to be able to post without being judged unfairly or have somebody tell you how wonderful their personal life is, and therefore you are causing their life to be less wonderful with your irresponsibility. Well, the saying walk a mile in my shoes is a good one in this case. Since you have no personal information about the person you are lambasting because they are looking for information on their debt, you can feel superior. Had you had personal information about them, you might act in a more human manner. Consider fighting cancer for 4 years, working and being debilitated while you do, suffering the effects of chemo, going into debt to maintain your home for your children and looking for a way out of debt SHOULD YOU EVEN LIVE THROUGH THIS!! Thank you for the kind comments. To the judgmental people I say please take a step back before you judge. You do not know who you are talking to and if you knew the personal information maybe your comments would be kinder.

Before considering the CCCS or debt relief (sm) [2008-08-22]
places, first call the companies. If you haven The accounts will likely be closed, but after 3-4 ontime payments they will re-age to show as current, will lower the interest rate so payments are lower and you will pay off over a 4-5 year period (in most cases, you can Going with CCCS or similar, has the same effect as a BK, even worse, on your credit rating. The accounts will report as closed, paying under debt management plan. While bankruptcy is an option I suppose, if you I The credit industry is in a mess right now so they are willing to work with you if you're upfront and showing good faith.

credit card debt relief [2008-08-21]
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(

Credit Card Debt Counseling [2008-08-21]
http://www.cccsatl.org/index.asp?_method=viewsc=43cn=486md=debtmanagement Here It is called Consumer Credit Counseling Services. They are legit. Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office. I don We did it, completed it, and it was great. However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then). Once you join, there are no more credit cards. What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked. You then make one lump payment to CCCS and they disburse the money. They also take into consideration your income. I think that Also, this is what tells them how long it will take to pay off the debt. Just beware though that if you are behind on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance. We make regular payments. All in all, itbad mark but yet a good mark on your credit report for using CCCS. Check with them about that though, as I do not know the specifics. It is way better than bankruptcy... Hope you find some relief soon! My thoughts are with you... I

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.

My family decided last year to just enjoy the holidays [2008-12-01]
We're all adults, no children, and live in small homes or apartments. I NEED tons of stuff, but have no place to put much of anything, and can't afford to reciprocate with a gift. Same with a couple other siblings. My mom's been impossible to buy gifts for, for probably the last 10 years. I was the first to bow out the year before last. I started the ball rolling because I just plain couldn't afford it anymore, and was too busy working all the time to spend hours on end in a department store. I had a new job, no PTO, and NO money, so I alerted everyone that I wasn't going to play the game that year. Turns out it was a relief to all! And last year, without all the holiday 'getting mauled at the mall' disasters, each of us had quiet, happy, stress-free holidays. So now that we've eliminated the gift-giving aspect of Christmas, I finally can look forward to the season and enjoy it again.

It's a little late but I would make [2008-11-27]
a ham, take it over and say that you got it for free for spending so much which most grocery stores do now. I would play stupid and say I wasn't sure if I could freeze it or not and didn't want it laying around. Takes both of you off the hook.

Oh YES they are all like that LOL [2008-11-26]
Or at least I am sure the majority are. I have less of a bad time with my 13-year-old than I did my 18-year-old when she was that age, but we still butt heads at times. I have been honest with her that I do not trust her friends, but we agreed until SHE gives me a reason not to trust HER, then I will back off a little. She likes the older boys (like her mother did) and that worries me, but she has a good head on her shoulders and most times understands the limitations I give her. Thankfully most of her friends started doing stupid stuff long ago and she watched and learned from them (not to mention her older sister :)! Its a tough road, feel free to email me privately if you ever need an ear to bend.

Have you ever tried Amy's vegetarian and [2008-11-25]
organic food in the frozen section? Her cheese enchiladas are delicious. Her tamale dinner with rice is good too. There are no GMO Van Oprah went on a wheat-gluten/vegan diet and she lost a ton of weight. She said she never feel so alive.

Does anyone play board games or card games anymore? [2008-11-25]
My 7-year-old child was invited to a B-day party for a little boy that was also turning 7. Anyway, when it came to opening gifts, he got Wii game toys, the different controlers and games. I did not even know the kid had a Wii game, but it seemed like everyone else did. I bought him a race track and a game of Go Fish. The race track got an I already have that comment and the Go Fish was what the heck. He did not say that but he kinid of looked at it like that and put it back in the bag. I wondered if he even knows what Go Fish is. The only gamesmy child has are board games, card games, those free games you can play on the computer and 1 game that plugs into the TV. It looks like a joystick and it has 3 games in it. These games have helped her in her reading because she has to read directions. She can identify a lot of the ocean fish. I was treated like an outcast at the party anyway. Itried to join in conversations with the other mothers, I would get ignored or very short answers, some would actually walk away. Then one mother actually turned her back to me to talk to another so I would just listen. They were talking about building houses, they have lots of land blah blah blah. They were giving each other advice on what to do with it all. When the conversation turned to how their kids are struggling in this subject or that that is when I got up and left because they toned their conversation down and then shut it off completely when then thought I was listening, so I thought that was my cue just leave so they can vent to one another about it. Itwas moreabout the teachers expecting too much blah blah blah.I have known some of these mothers or their spouses since we were little kids. They really treated me like trash back then. I thought that now that we were in our 30s, have not had much contact with each other since HS until now that our kids are going to school together, it would be like water under the bridge. Guess not. The families were wealthier than we were (just about every family was wealthier than we were back thenlol)but I know theycan Well, actually I don The only thing I did have over them is my kid is not struggling in school. She is making straight As on all her subjects. The only reason I went was because my 7-year-old and the7-year-old boy are really good friends and Ithought thatmaybe me and the other mothercould find something in common.At school, they are in separable so I really wanted dd to go to help him celebrate his special day. I could not help but notice that dd played with him more and the others were playing among themselves. I do worry if that tee I worry that they are going to discriminate against DD because I was a poorlittle nobody back in school and they were popular.I worry that they are going to start refusing to let the little boy play with dd and it will break her heart and hate me. I take baths, I practice clean living, always have, no drugs, alcohol. I don I pay my bills. Everything I own, I got honestly, paid for it myself. Of course, it isn H is not from here, he went to school elsewhere. I used to worry about that too back when we 1st started dating..Him finding out I was an outcast, dork or whatever and hate me. Now I worry that my child is going find out and resent me.

Psoriasis is autoimmune sm [2008-11-24]
and just like all autoimmunes...one heck at lot of fun! Ask me how I know, I have 3. As for vegetarian diets, try www.vegweb.com. That is site is vegan and my favorite for meat and dairy free meals.

I just wanted to thank you! [2008-11-24]
To the person who posted to informed us of the free photo books at snapfish.com sponsored by Oprah, I just wanted to thank you! I ordered one and my mom ordered one for herself too! They turned out great. I did a wedding photo book as I got married a year ago and still hadn't done a wedding album yet. It turned out amazing!!! Did anybody else take advantage of this amazing offer?

Christmas candy ideas [2008-11-24]
My husband and I make about 30 tins of candy each year to give to family and friends. We make chocolate covered cherries (just dip cherries in melted chocolate), white chocolate covered pretzels with red and green chocolate drizzled on top, turtles (I buy a 5 lb chunk of caramel), buckeyes (peanut butter balls dipped in chocolate), peanut butter kiss cookies, mixed nut clusters dipped in chocolate and peanut butter fudge. All of it is pretty simple, just time consuming. My family really looks forward to receiving it each year. I use a double boiler for melting chocolate. I haven If you would like specific instructions for any of the above, feel free to e-mail me. I think the kids could do a lot of the dipping to help out.

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.

Not exactly "art" but....... [2008-11-22]
I took some beading lessons. At first it was fun and rather expensive for tools, lessons, etc., some were taught by ladies I knew, others I paid for. I bought only the best crystal and silver. Then I found out the whole rest of the world was beading. If you went to a bead show you would not believe how many people go to these things and if you go to a craft show, you see booth after booth of beaded necklaces and earrings. I did get to make some beautiful gifts which paid for itself. You can make money at it but then you have to get into licensing, etc., sales tax numbers, and be really into it. I was just happy to have it as a hobby and sometimes make things for special occasions and am greeted with oohs and ahs from the receivers. You would have to check out a few craft shows if there are any in your area. I donartist per se, but others seem to think I have talent. Havenselling but I probably could, it's just that there are so many others doing it, it's a gamble and I can't afford to gamble right now. Just my input. I tried drawing lessons and I struggled with it, so I will leave that to the talented ones. There are those to whom it comes easily. I struggle with it. Beading is addicting though, kind of like eating popcorn, gotta know when to stop. I use Firemountain Gems for my supplies. They are online and also have online free lessons. Got to crimp or else you will lose your beads, have to do it properly and use good-quality supplies. I worry too much about quality and can picture a bride walking down the aisle and psssshhhh, so I double crimp and use good stuff.

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.

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.

Here's my problem....sm [2008-11-21]
My dad is irresponsible and is in financial debt and doom. There is no way he can make the money to pay the bills he has accumulated. He has borrowed money he shouldnt have. Well the situation is... He has been knowing if he didn He refused to pay it. Every time he would get acheck he wouldn Well he kept not paying it for 2 months. Well yesterday they turned them out. It is freezing here. It is going to be in the 20s tonight. He said I don Well he was told and told to pay it and wouldn So now what does he do? As soon as he gets off work he comes to my house cause he don I can So I can He also said he had no money for food because he had to use it all for diesal for his dump truck. So I offered him food too. He also rumages through my cabinets for snacks. I feel like I am the parent and he is the child. My husband drives a big truck and he has been gone. When I tell him what is going on he gets aggravated because he is sitting at our house and all. He said he is a grown man and needs to step up and take care of himself but he is my dad and I can My husband will be home either late tonight or first thing in the morning and this is not going to go over too well with him. I am at a loss.

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.

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.

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.

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.

Oh, yeah, it's very nice and improved over the first models, of course. [2008-11-17]
It's roomier on the inside than you might expect. We bought the basic version, and it still has plenty of features. When gas was over $4.00 a gallon, my DH, who drives 50 miles round-trip to work each day, was saving $200 a month. Gas is lower now, but we still are saving money. Plus you never have to replace brakes on a Prius, and here in PA, I don't need to pay for emissions inspection since it burns so clean. We get our emissions sticker for free. There are a couple of other little perks like that with a Prius. And, of course, I just think it's fun. :)