Frugalful.com

4 Excellent Ways For Purchasing Cheap Furniture to Revamp Your Decor

2013-06-18T17:35:00.000-04:00

You can redecorate your home by repainting it, changing decorative items, adding some prints on canvas to the walls, updating the curtains or flooring or simply by replacing the furniture. Furniture is usually the most important part of any room and changing it can alter the decor, style and comfort level, if you want a whole new look then new furniture is the way to go. The issue most people face with new furniture is that it is highly expensive; here are some ideas to purchase good quality but cheap furniture:

Revamp Old Furniture

You would never be able to tell that the new stunning couch is the same old shaggy one that you had after an excellent revamping job on your sofa. Believe it or not but revamping is a very cheap way to entirely update your furniture and create something completely new and comfortable and modern! A stained covering can be replaced for simple changes while the entire design can be altered by removing and adding pieces of wood and upholstering. Painting and polishing are other techniques to change furniture while simple elements such as knobs on a dresser can be replaced for a new look.

Survey Budget Stores

Good and excellent looking furniture or even decor items such as best canvas prints don’t have to come from designers and expensive labels, you can always get a decent piece of furnishing for a departmental store. It may not be as easy as visiting designers as you come across many distasteful pieces but you simply have to keep your eye open and search, soon enough you will come across something new and perfect to suit your style and decor.

Go Online

Online stores such as eBay are another great option where you can survey millions of varieties while sitting at home. Usually online sellers have lower prices then store with showcased furniture because they deliver directly from warehouse and save up on display and shop rental costs, thus it’s advisable to do a thorough search of online stores. Usually some stores that also have websites might offer deals or lower prices online, thus always check their website before locking a purchase.

Buy Second Hand

Buying second hand furniture may sound tacky at first since usually nobody wants to sleep on a used bed but usually if you search well you can find great stylish pieces that are hardly used at all. There are people everywhere who buy expensive equipment and realise its just not for them, or they need to move, or they are in need of money etc. so they sell. Finding such furniture can be highly lucky for you and even if it is slightly used then little revamps can make it as good as new.

Author Bio:

Author is an interior decor specialist and focuses upon ways to redecorate and revamp; he also creates prints on canvas and photo to canvas online at UK based for home decor.

How to Make Candy Bar Wrappers for Party Favors

2013-06-18T17:08:00.000-04:00

Making favors for your next party is easy. You just need some fresh ideas and you’ll be on your way to creating favors that are lovely and cost-effective. One favor idea that always produces smiles is the candy bar wrapped in a personalized wrapper.

We’ve all seen these at parties and weddings. Maybe you’ve wondered how they got their photos on the wrappers or how they were able to include a personalized message. It’s easier than you think.
Today there are many companies that offer software to produce your own wrappers for your chocolate bar favors. You can go online and find them easily under “create your own chocolate wrappers.” But if you have the time and resources, you don’t need any fancy software. You can do it all yourself right from your computer.
First, decide which type of candy you’d like to use. You can use giant chocolate bars all the way down to minis. As long as they are a size that will take a flat wrapper. For instance, a Hershey Kiss won’t work for making personalized wrappers as they are an awkward size and shape to wrap. So stick to the candy bars.
Next, decide the theme you’re going for. Is it for an upscale wedding? A beach party? A baby shower? Depending on the event, you can customize with different papers and inks and messages. Let’s say you’re looking to personalize a chocolate bar for a baby shower. You can select yellow paper and then print in an ink color such as blue for a baby boy or pink for a baby girl. Or, of course, you can stick to good old black ink.
You’ll need to make a template, which is easy. Unwrap one bar of candy carefully and trace the wrapper onto a sheet of plain paper. This will be the size you’ll need to print. You can then eyeball it and guesstimate how much space you’ll need to print each design. Or, if you’re more mathematical, you can set up a grid on your computer in word or Excel and print that way.
Select a message and an icon or photo. Click to insert the photo onto the wrapper in your computer program. Resize it to the dimensions you have figured out will fit on your chocolate bar. Add any design elements from clip art or any writing you’d like at this time.
Do a test print. See how you like the design. Is it blurry? Printed clearly on what will be the top of the bar? If not, fix it now. Print a clean copy of your design. You can either copy it on a color copier, print it from your color printer, or do the whole thing in black and white easily the same way.
Finally, cut out your wrappers and use basic white glue, just a dab to secure the wrapper to the candy bar. Remember, don’t use hot glue as it could melt the chocolate. And don’t use any glue that might seep through the candy bar. For that same reason, leave the original wrapper on the bar and secure your wrapper over it.
That’s all there is to it! Just place on tables at the party or in a pretty bowl as a centerpiece. Your guests will love them!

Sarah is a writer who enjoys party planning with a special focus on weddings. She also regularly contributes to the Wedding Favors Unlimited blog, hosted by http://www.weddingfavorsunlimited.com.

Why Hello, Chevron

2013-06-17T00:18:00.000-04:00

Hello, Chevron by christymeares featuring a spaghetti-strap dress

Chevron is one of my all time favorite patterns.
Modern yet classic, the pattern is pretty in any color.
Here are a few of my favorite Chevron inspired items.

Free Printable Chevron Birthday Cupcake Topper

2013-06-14T14:34:00.000-04:00

An Easy DIY Party Idea

Download these free printable Chevron Pattern Birthday Cupcake Toppers for your party!

Just Download > Print > Cut Out > Add a Toothpick with a tiny touch of glue > Stick it in your cupcake!

Teal | Green | Gray | Pink

More to the set coming soon!

Top 5 Things To Do For A Frugal Father's Day Weekend

2013-06-13T07:35:00.001-04:00

My baby sure loves his Daddy!

Father's Day. The one day of the year to honer the most important men in our lives. Let that special Daddy in your family know you care by planning one of these fun and simple Father's Day activities this weekend:

1. Take Dad to the Zoo.

Going to the zoo is fun for the whole family, especially if you have little ones.

2. Go to the Movies

This year, tons of big blockbusters will be out. At most theaters, matinees prices are significantly less than at night. So plan on going early to save!

3. Go Camping

Go primal! Bust out a tent, grab some ingredients to make burgers, hotdogs and s'mores and enjoy your time together around a campfire !

4. Take Pictures

Grab your cameras and hit the road. Make memories by documenting Daddy's Day in photos. He'll cherish them in years to come.

5. Make A Special Dinner

What better way to close out the day than to make Dad's favorite dinner? Go all out- make all his faves. Don't forget dessert!

Decorating a Master Bedroom on a Budget

2013-06-07T10:40:00.000-04:00

If your decorating budget is limited, don't despair. You can create a master bedroom that is warm and inviting while still spending within your means. Here are some tips for creating a beautiful sleep space on a shoestring budget.

Find Inspiration

Though you may not be able to afford items from magazines and home decorating shows, you can recreate their looks with more affordable elements. Watch decorating shows and flip through your magazines and catalogs to get an idea of how you want your room to look. Your local library is a great resource, too.

Get Out the Paintbrush

Painting is the most affordable way to change the look of a room. Never be afraid to break away from neutral colors, because if you hate the results, you can always paint again. Bright, bold colors may suit your tastes or you may prefer something more subtle and soothing. Either way, take into account the size of the room. Dark colors can make a room appear smaller, so only use these if your master bedroom is large. For smaller rooms, use soft, lighter colors.

Picture This

Pictures are a great way to add a splash of color without breaking the bank. Art books and coffee table books are excellent sources for pictures to frame.

You can also try taking some of your own. Macro, or very close-up, shots of flowers, water, pets, children, leaves, butterflies, clocks and more all make interesting wall art. There's no need to stick to one style of frame, either. Get a variety of styles in the same color or coordinating colors to make those pieces really pop.

Slip Into Something More Colorful

If you have a sofa or chairs in your master bedroom, odds are they could use a makeover. Furniture is expensive, though, so you don't want to have to buy a new piece just because you're tired of looking at a pattern or color. Try slipcovers instead to give those pieces a new look. In addition to being more affordable, slipcovers are also washable and easier to care for.

Become a Bargain Hunter

The key to finding beautiful drapes, lines, art and furniture on a budget is to always keep your eyes peeled for bargains. Don't pass up those yard sales; there may be a treasure trove of items there that suit your taste exactly. You may find that perfect chest of drawers with the dovetailer detailing at the joints you've been looking for. Check out the clearance aisles at your favorite stores. Many areas have Facebook "yard sale" pages, so be sure to take a look at those.

With just a few dollars and some elbow grease, you can make your home more attractive and appealing.

Image courtesy of adamr / FreeDigitalPhotos.net

Are There Any Real Work At Home Jobs Out There?

2013-06-06T13:12:00.001-04:00

Finding a legitimate work at home job is like finding a needle in a haystack. Believe me, I've been searching for years. Now that I have a little one, I want to be able to spend as much time as possible with him. I've done some research and gathered a few well known and trusted Work At Home options that you may want to take a look at:

{Remember, before you delve into any of these opportunities, do your own research! Check out the sites and the Better Business Bureau. Use your own discretion! }

Virtual Assistants Jobs:

Virtual Call Center Jobs:

Transcription Jobs:

AccuTran Global

Virtual Online Jury:

Search Engine Evalutions:

Leapforce

Freelancing

A few words of advice when searching for WAH Jobs:
→ Look out for scams - legitimate jobs will never charge a fee to hire you. Although, some may charge a fee for background checks.
→ Always do your research before giving out any personal information! See what others are saying!

Image courtesy of Michal Marcol / FreeDigitalPhotos.net

Tips for Perfect Blonde Hair

2013-06-05T13:00:00.000-04:00

Blondes are known for being fun-filled personalities. However, there are many different shades and hues of blondes to suit different skin tones. Here are few tips that will help get that perfect blonde look.

Is blonde look suitable for your hair? Depending on your hair color, the right blonde hue should be chosen. General rule of the thumb is to NEVER go more than two shades up or down, from your natural hair color. This way, the hair will look more natural and compliment your looks.

Is blonde look suitable for your skin? Not all skin types will suit blonde look. Most dark-skinned people will also have dark hair. The darker the natural hair color and skin color, the less suitable will blonde-look turn out to be. Blonde hair suits those with lighter or cool skin tones like rosy pink, ebony, porcelain, etc.

Is blonde look suitable for your location? Do you live in areas where sun frowns on you? Remember, sun cannot only tan your skin, but also your hair. If you are going to be exposed to extremely hot climate, it might be suitable to maintain a few blonde hues. However, a few darker blonde hues could suit hot climates, as long as care is taken to maintain the same.

Here are few steps to perfect blonde hair:

Determine if your skin tone will suit blonde hair look. Though cool tones work best, warm tones work too. It’s a good idea to consult with your hairstylists who can advice on the right blonde hue to suit your skin color. With darker versions of blonde, there should be no issues to wear the blonde look.

Quite a few blonde colors would turn orange or green under direct sunlight. So it is important to consider the location, besides skin tone when choosing the blond hue.

Not sure if your hair color suits blonde look? Do you have your childhood photos? No worries then! Check if your hair was dark back then, like brown, red, black, etc. If yes, then going blonde would look unnatural. On the other hand, if your hair were lighter, like blonde, light red, light brown, etc then blonde look would suit you well.

Though you can go more than two shades up or down, the maintenance for the same is going to be very high. So determine if you have the funds to manage the constant maintenance expenses for your hair.

Also, when you change your hair color, your make-up kit will need a complete revamp to suit the color. When you choose a color like blonde, you might need to buy accessories accordingly. You might need lipsticks, eye shadow and foundation, to ensure you don’t look washed out.

Though there are many DIY kits for going blonde, it can be very risky. You don’t want to ruin your hair by applying something wrongly. It is always advisable to go to a professional for this job, especially since bleaching is involved.

With a change in hair color, the texture might also change. So the shampoos should be changed according to the hair type and to suit coloring.

There are many different shades in blonde and each suit different skin tones. As long as a professional is consulted, you should do well with going blonde.

Studio 11 provided this article. We are one of the best hair salons in Orlando Fl. Whether you need a simple trim or a totally new you, Studio 11 will surpass your expectations.

Image courtesy of Marin / FreeDigitalPhotos.net

5 Repairs and Projects for the Summer Months

2013-06-04T21:34:00.001-04:00

Unless you live in an area with year-round good weather, the summer months will likely be the best time for you to tackle your various home repair projects. In order to make the most of this window of time, consider these tips to help you get started.

1. Focus on big outdoor projects first

Think about your weather during the summer months. In many areas, you can count on favorable conditions for only a specific span of months. This is a good time to concentrate on outdoor projects such as refinishing decks, stripping paint or roof repair. Re-painting the exterior of your home is often only possible during a stretch of time that you can depend on more moderate weather.

2. Plan and plant landscaping

Late spring and summer are usually the best time to plant flower beds or gardens. This is also the best time to take on larger-scale landscaping projects. If you find certain areas of your yard or deck aren’t used during the scorching heat of summer, plan and execute the addition of shade trees or shrubs. This is also true when considering landscaping plans that will give you additional privacy from neighbors.

3. Don’t forget your windows

Remember that your windows offer the best lighting for the interior of your house, that is, natural lighting. The summer months are a perfect time to clean off the dirt and grime that can build up on your exterior panes during the year. This is also a good opportunity to check for any cracks or leaks.

4. Check your gutters

After the run-off of snow and rain from spring showers, your gutters are likely full of leaves, twigs and other debris. If you plan to clean out your gutters every summer they will function more effectively during inclement weather.

5. Repair cement or asphalt

Fixing cracks and repaving asphalt requires time to dry. The summer months are the time to focus on your driveway, walkways or steps you have surrounding your home. Snow and ice can wreak havoc on these surfaces. Fixing cracks when they appear will help you avoid increased damage to these areas.

With a plan in place, you can tackle some of these projects while still creating time to enjoy the summer months. When you keep up with these projects on a yearly basis they will be easier to complete and help you escape more expensive repairs in the future.

Brionna Kennedy is native to the Pacific Northwest, growing up in Washington, then moving down to Oregon for college. She enjoys writing on fashion and business, but any subject will do, she loves to learn about new topics. When she isn't writing, she lives for the outdoors. Oregon has been the perfect setting to indulge her love of kayaking, rock climbing, and hiking.

Create a Whimsical Outdoor Garden Space

2013-06-04T10:53:00.001-04:00

Whimsical Outdoor Garden by christymeares on Polyvore

A collection that will give your lovely garden a burst of color! Each Under $50.00!

Decal Planter H 12.5cm, $4.57 / Sphinx Caspian Ivory Indoor and Outdoor Rug / Large Square Outdoor Throw Pillow / Pier One Solar Bird Stakes / Pier One Rainbow Lantern String Lights / Kew Gardens Scented Candle in Tin - Wild Fig, $15 / Crate & Barrel Bodega Bird Chalet / To the Garden Wood Sign

Office Furniture Budgeting Tips for the Mompreneur

2013-06-01T01:42:00.004-04:00

Are you a mother and an entrepreneur looking for office furniture to support your startup business? You probably share the same concerns about budgeting as hundreds of thousands of other women – including me. Here’s a snapshot of the burgeoning “Mompreneur” movement:

The total number of small businesses owned by women is increasing 50% faster than the number of small businesses as a whole. (American Express 2011)
Family factors are a driving force in the choice to become self-employed. Women spend a great deal of time providing ‘secondary childcare’ – that is, taking care of their children while simultaneously performing work. (SBA 2009)
Women-owned firms only receive between 5 and 15% of the funding handed out by venture capitalists and angel investors. (Alicia Robb, Kauffman Foundation)

In other words, we moms are starting businesses in record numbers on a shoestring budget while taking care of our kids. But you probably already knew that! What you might not know are some of the tricks for furnishing your office when cash is tight. Here are three tips I’ve learned over the years that may help:

Know When to Scrimp and When to Splurge

When you are allocating your office furniture budget, the desk should be one of the cheaper items on your list. If you think about it, all you really need is a nice flat surface to work on. I actually like the fact that I don’t have to care about the childproof latches I installed on my hand-me-down desk marring the cheap laminate finish. Put your real money toward an $800-1000 ergonomic office chair. If you’ve tried cheap office chairs, you know you are paying a price with poor productivity and loss of focus from constant discomfort.

When you want to test drive a really high-end ergonomic chair, you have to find a contract office furniture store that sells to big companies. These office furniture showrooms are usually located off the beaten track in industrial parks rather than next to the Sam’s Club. Find a local dealer with the chairs you want to try by looking on the manufacturer’s website. Be sure to note the online price. Unlike many items advertised by the manufacturer with an inflated MSRP that is marked down in stores, the chairs you find at a contract furniture showroom are marked way up (kind of like jewelry). For example, the chair I wanted had a price tag of over $1100 in-store. Fortunately, I knew from the manufacturer’s website that I could order it direct for about $840 (with free shipping). Since I knew to point this out, the salesperson matched the price without any argument.

CIY (Convert It Yourself) for Maximum Ergonomics

As a mom, you’ve got to stay in shape to keep up with your young ones – plus, you need to keep those varicose veins to a minimum so you can age gracefully. This means jumping on the “sit-to-stand” bandwagon. Unfortunately, a nice adjustable height desk is very pricey. Even an attachment that clamps onto the desk to adjust your keyboard and monitor up and down can cost close to $500. I choked when I saw that price!

So, I created my own adjustable-height worksurface. I simply put two boxes on my desk (one for my keyboard and one for my mouse) to turn it into a sit-to-stand station. My monitor is actually a 32” flat screen TV that is wall mounted at just the right height to allow me to work seated or standing. The screen and the mount together cost me less than an adjustable sit-to-stand attachment. Even better, I didn’t have to sacrifice any desktop space. The boxes get stowed under the desk when not in use.

Buy Secondhand Furniture Even for First Class Employees

You do want your employees to have a nice work environment, so don’t scrounge for mismatched pieces at Goodwill or the Salvation Army. Instead, find a local office furniture dealer that sells used and refurbished cubicles, desks and chairs in excellent condition for a fraction of the price of new (30-70% off). Sourcing fleets of name brand workstations in excellent condition from companies that are liquidating old furniture is what these guys do every day. You can afford to buy really well-made pieces that all match if you go “pre-owned”. That’s not just good for your business image when clients come calling. It helps employees feel like part of a team. Popular models of high end cubicles are usually still being manufactured even a decade later, so you can add identical workstations later as your business grows!

Image courtesy of adamr / FreeDigitalPhotos.net

Derek Cardigan at Coastal.com | Chic and Affordable

2013-05-31T19:00:00.001-04:00

This post brought to you by Coastal.com. All opinions are 100% mine.
Glasses can be practical and stylish. Whatever your vision may be, a cute pair of Designer Eyeglasses can add an extra touch of chicness to your look. Lately, I've noticed a lot of the fastionistas sporting Derek Cardigan Eyeglasses. Featured in Flo Rida’s “I Cry” music video and Alicia Key’s “Brand New Me” music video, Derek Cardigan eyeglasses are affordable for everyone and available to purchase online at Coastal.com. From this site, you can get them delivered to your home or office so you can order in your pajamas anytime of day or night! Sweet!
Derek Cardigan’s line is vintage inspired that reflects his joie de vivre philosophy on fashion and life. The style is bold yet subtle, and evokes the spirit of a swinging by-gone-age brought right up-to-date full of color, whimsy, joy and style. One thing that really draws me to these glasses is the price! When I started searching for a pair online, I couldn't believe that most were way under $100. Adorable and cheap? Yes, please!

Plus, for every pair of glasses purchased, Coastal donates another pair to someone in need! Look good, while doing good!

Check out a few of my favorites styles:

What style is your favorite?

Colorspiration | Yellow - All Less than $50

2013-05-30T21:46:00.004-04:00

Colorspiration - Yellow by Frugalful featuring charlotte russe sunglasses

Forever 21 dress
forever21.com

Yellow heels
$36 - fashionunion.com

Zipper bag
modcloth.com

Yellow earrings
etsy.com

Charlotte russe sunglasses
charlotterusse.com

Witchery eyeshadow
$19 - witchery.com.au

Giorgio Armani lip gloss
giorgioarmanibeauty-usa.com

Getting Ready For Summer With Tree Hut

2013-05-30T16:01:00.001-04:00

This is a Sponsored post written by me on behalf of Tree Hut. All opinions are 100% mine.

If you know me, you know that I love finding fabulous- and afforable- beauty products. That's what being Frugalful is all about, right? With summer quickly approaching, I need to get my skin in tip top condition! Luckily, I discovered a line of products by Tree Hut. They have natural products to get your hands and feet ready to show off this season!

Some of the products that I would like to try out are:

Tree Hut foot cream- Summer is a time for Flip Flops! Their foot cream is designed to keep your feet nice and soft with Shea Butter, Argan Oil, and Rose Hip Oil. Get ready to show off a new pedicure!

Tree Hut hand cream- with a new baby, I have to always keep my hands washed. All the washing usually dries out my skin. Tree Hut hand cream has a blend of Organic Shea Butter, Aloe Vera, and Peppermint Oil to keep hands moisturized .

Tree Hut foot scrub- My favorite! I love feeling like I'm getting a pedicure! Their scrub is made with Real Sugar, Shea Butter, and Peppermint Oil! Very refreshing!

All this talking about summer, I was inspired to make a board and share!

Natural Beauty by christy-king-meares featuring an anchor necklace

Did I mention that Tree Hut is made in the USA and not tested on animals! And the best part? The products are available at Walmart stores nationwide! I am on my way now!

You can follow Tree Hut on Twitter and like Tree Hut on Facebook for more information about all their products.

Get The Whole Family Involved In Saving On Your Electric Bill

2013-05-28T23:38:00.002-04:00

We would all like to save money or have extra money for family activities. Saving money on electricity is one way to put aside extra cash. While there are no coupons for $20 off electricity, there are several easy ways to help those bucks add up, fattening your wallet as well as keeping unnecessary energy use to a minimum.

Get The Kids Involved

Talk to the kids about your plans and involve them in coming up with electricity saving ideas. Show them the electric meter and the electric bill and explain how often you have to pay it. Set a goal for a lower bill before the next one arrives. Tell them the money saved can go for something special at the end of six months.

The Obvious

Turn out those lights! Make sure you and every member of your household understands how a light-switch works. The concept is simple. Leave the room and if nobody else is in it, turn out the lights. Even very young children catch on to this with ease if the example is set for them.
If you have an electric water heater, take shorter showers. With both water and electricity costs rising, it's a good idea to learn how to quickly clean up and rinse, rather than waste valuable energy and water standing in a shower. Use a shower timer that allows three minutes and see how long it takes your kids to adjust. Unless they've literally rolled in the mud and let it dry, three minutes or less is all they really need.

Appliances

The refrigerator is a large energy zapping appliance and the warmer the weather, the harder it works to keep things cool. Make sure the seals are in good shape and train yourself and your family to open and close it quickly. The less time the door is open, the less energy it takes to maintain the temperature. After all, standing there staring into an open refrigerator never got anyone fed. The food won't suddenly jump out and form itself into a sandwich or a meal because you're looking at it.
The dryer also uses a tremendous amount of electricity. Hang clothes to dry as much as possible and try to use your dryer early in the morning or late at night. Using the air-fluff feature for as little as two minutes after clothes have air dried removes the stiffness and cuts energy use almost 100%.
For heating up that frozen pizza, use a toaster oven rather than the full sized one. It may take a couple of minutes longer but will still save a good amount of electricity. Or use your microwave for reheating. Newer microwaves have multiple power levels and using a mid range power level reheats better without using maximum energy.

Entertainment Electronics

Most households have multiple entertainment centers including TV's, DVR/DVD combos, computers, game stations, etc. Use a power strip with surge protector for all the cords. These have a switch you can use to turn everything off at once. Or call an electrician out to add a surge protection in your switchboard that alone can make a difference on your electricity bill.
Most homes also have cell phones, tablets or other devices needing a charge daily or almost daily. Set up one charging station for devices with the various cords needed and plug into a power strip with a surge protector. Again, turn off when not in use.

Windows Open / Windows Closed

If the air conditioner or heater is running, your windows should be closed. Otherwise, open those windows and let in the fresh air. Wear sweaters in cooler weather and keep the heat off as long as possible. In summer, use fans instead of a/c unless its unbearably hot.
For west facing windows, consider room-darkening shades in the summertime. It keeps things cooler when the afternoon sun blazes. Or in a cold climate, use extra insulation on the north facing windows.
Overall, there are many ways to save electricity. The kids will eagerly help once they begin to see a difference in those bills and are able to enjoy a movie night or dinner out that they wouldn't have had otherwise.

Carla C. Burton is a self-employed Mummy blogger with a BBA in Business Administration from Bond University. Although a Gold Coast native, Carla moved to Melbourne in 2008 to further her writing career and raise her children. Carla has become a top contributor to many blogs worldwide and thoroughly enjoys the freedom that self-employment has provided her. To find out more about Carla or to follow her other posts, follow her on Twitter @CarlaCBurton.

5 Ways to Save Money on Your Summer Wardrobe

2013-05-26T18:33:00.001-04:00

It’s always nice to treat yourself to a brand new wardrobe ready for the summer, but a new set of clothes doesn’t come cheap. In a tough financial climate, people have to be extra careful about what they spend on luxuries such as new clothes, but there are ways to save money on your summer wardrobe and still look fabulous.

One of the best ways to save money on clothes is to find voucher codes online. The big advantage of this is that you can still shop at your favourite shops and buy everything that you normally would, but you will get a nice percentage of the price discounted. Sometimes there will be different offers, such as buy one, get one half-price. You should also keep your eye on in-store offers; many fashion retailers will have a summer sale, so you should definitely take advantage of sales and offers as much as you can. For example, Diamond is offering a £50 New Look voucher offer for customers who buy direct, out of which you could purchase a number of staple items for your new wardrobe, or a few really classy items for those warm summer evenings.

If you’re creative and arty, you could customize some clothes you have hidden away in the back of the wardrobe rather than buying new ones. Put aside a few pounds and you can buy ribbons, lace, sequins, buttons, and small pieces of fabric. You may even be able to get some of these for free if you know where to go, or for next-to-nothing in charity shops.

While you’re browsing in those charity shops, it’s also definitely worth checking out the clothes they have in stock. There will no doubt be some horrors in there, but retro is really cool right now and you could pick up some fabulous vintage pieces. Not only will you get clothes for a good price, but between buying from charity shops and customizing your own clothes, you’ll have a unique look. There’ll be no danger of walking out the front door and seeing someone else with the same outfit, because yours will be the only one around that’s like it.

Most people don’t go supermarket shopping without a list, but will charge in headfirst when buying clothes and splurge without thinking about it. Have a look through your own clothes so you don’t buy shorts or flip-flops if you already have them, and then make a list of the things that you do actually need and want. Also think about what you’re going to get the most wear out of, and buy carefully. Buy pieces that are either multi-functional or that co-ordinate with as many other items of clothing you already have.

The final thing that you can do to save money on your summer wardrobe is not to buy many new clothes, and swap with friends instead. You could go shopping together, choose things you both like and then swap and share. Or check out clothes swapping events held at local cafés, bars and other venues – basically, you bring clothes you’re ready to part with, and for every item you add to the pile, you’re allowed to choose something from the items other people have contributed. It’s a fabulous way to recycle used clothes, gives you a chance to pick up a pile of new clothing for free, and often benefits charity.

What are your top tips for saving money while updating your wardrobe?

Image courtesy of vanillaechoes / FreeDigitalPhotos.net

Tips in Choosing Glasses

2013-05-25T09:53:00.000-04:00

Wearing prescription glasses truly is a great investment. Why? Because many people in all ages are having sight problems. Now, these problems can worsen if left alone for a certain period of time. But for people with great eyes, how would wearing eyewear be useful? Glasses can help protect the eyes from harmful environments such as ultraviolet rays, screen glare, or extreme light. So, glasses mainly have two advantages: one is to help correct the eye sight of the wearer and two is to protect the eyes from further deterioration or future eye problems.

If buying optical eyewear is considered to be an important factor to perform better every day, it would be wise to choose ones with care and an informed perspective. Purchasing a quality pair should be considered as a necessary investment. However, being constantly on the look-out for discounted prices would be a practical and wise buy. Here are some tips to help in choosing:

Always get an updated eye exam from your ophthalmologist or optometrist. This is the most important and first step to choosing the correct eyewear. If you buy and wear a pair without an accurate and precise measurement of your sight, your eyes may worsen and problems may occur. Having an eye exam is the best way to know what kind of pair you are supposed to get in the first place.

Look for quality. Remember that these glasses are going to be used for everyday living. It would be in your best interest to find ones that are durable. It would do great to have them made with great quality materials. Of course, choose one that would fit your face since it will be one of the first things people will notice when they see you. Remember the general rule: Choose frames that are opposite your face shape.
Be a wise buyer! Find discounts. Discounted prices for high end spectacles are definitely a great choice. You can go through newspapers and stores to find discounts and coupons. Savvy shoppers go to online stores. Online stores usually have lower prices for these because they order directly from the manufacturing firms. Try looking through online shops and you might just see the pairs you’ve always wanted to buy!
Always do your homework. So you found this online shop which gives out great prices. But when you explore more, you find their products unbelievably cheap and suddenly have this gut feeling that it’s a scam. Believe that gut feeling. Do the research on the shop before buying the chosen pair. Search the web for different feedbacks from previous customers. It’s always as they say, “better safe than sorry.”

Now that you have bought your pair, always wear them to protect and correct your eyes. Remember to practice eye care as well. Just because you have glasses doesn’t mean you can leave out eye exercises. Also, have your eyes checked every now and then. It would be wise to have your sight measured in case they change.

5 Benefits of a Short Term Loan for Small Business Owners

2013-05-24T10:48:00.000-04:00

Are you a small business owner in need of cash? Well first off, know that you’re not alone, virtually all small businesses struggle to get off the ground at first, and many need to borrow money in order to reach their full potential.

Secondly, there are actually many advantages to taking out a short-term cash loan for your business. Although a loan of course means extra debt, it actually can be hugely advantageous for your business’ growth and profits.
Don’t believe us? Well here are 5 reasons a small short term loan can benefit your business:

Allow You to Expand

If you want to expand your business but don’t have the cash flow to do it, a short term loan makes sense. A small loan which you can pay off quickly should allow you just enough to expand without having to get into serious debt. If you want to add more services to your business or expand your business or office space, a short term loan could easily provide you with the cash you need.

Enable More Hires

More hires are inevitable if your business is rapidly expanding, but you may need a short term loan to pay for the initial costs of adding more people to your team. If business is booming a loan to cover hires should quick pay for itself, meaning you’ll be able to pay it off super fast and without having to dip into your savings. Extra hires usually leads to bigger profits, so definitely consider a short term loan if you want to increase your hiring.

Easier & Faster than Seeking Investors

Seeking investors is no easy task, especially if your business network isn’t that big or you cater for a very niche market. Having others invest in your company isn’t ideal for many businesses either, as it ultimately involves giving some of your company up to the investor and further slicing your profits. Luckily, a short term loan can allow you to avoid the stress and hassle of seeking investors and the ability to still have full reign over your business.

Tax Advantages

For some small business owners, taking out a business loan can have tax advantages, such as serving as a tax deductible. This can work for short term loans, which means you may end up owing less to the taxman the upcoming tax year. Look into the fine details prior to taking a loan out of course but bear it in mind as an appealing possibility.

Chance to Boost Your Credit Score

Successfully paying off a short term loan reflects extremely well on your credit score as it demonstrates financial responsibility and the ability to successfully manage and pay off debt. If your credit score isn’t too great, you may want to consider taking out a short term loan and then quickly paying it off. This should result in your credit score significantly improving which could make borrowing greater amounts of money (such as a larger business loan or a mortgage etc) much easier.
A short term loan could definitely give your business the boost it needs to do better than ever before. As long as you successfully manage and pay off your loan on time, there’s little reason why you and your small business can’t experience the benefits listed above. Good luck!

Image courtesy of Vichaya Kiatying-Angsulee / FreeDigitalPhotos.net

Green Initiatives For Small Businesses and Mum-preneurs

2013-05-22T21:36:00.000-04:00

Just because you’re a small business or WAHM, doesn’t mean you can’t do your bit for the environment. Every little helps, so why not implement a few green strategies and make the world a better place?

Have your boiler serviced

Summer might be on its way, but it’s never too late to have your boiler serviced – particulalrly if you didn’t get round to it over winter. A Gas Safe Register will check everything’s working efficiently and stop your company from throwing money down the drain on high emissions. The cost is normally covered by decent central heating insurance, so read the terms and conditions of your policy.

Start a recycling scheme

Believe it or not, we generate about 228 million tonnes of waste every year in England alone. This means our resources aren’t being fully valued both financially and environmentally, so it’s essential to do something about this. The government have many plans in place, but you can make a difference by introducing a recycling scheme.

Save paper

With paper usage in many parts of the world on the rise, our rainforests are in considerable danger. This in turn effects animals, rural communities and can contribute towards climate change, so try to keep your usage to a minimal. Only print, scan and process documents when absolutely necessary and instead rely on PowerPoint presentations and computer programs to get the job done.

Say goodbye to standby

Leaving electrical appliances on standby creates around one million tonnes of greenhouse gases every single year – that’s enough to CO2 to fill over 20 million double decker buses. This is a significant amount of pollution, so you must unplug all computers, scanners, printers, telephones and other workplace equipment when they’re not in use.

Switch to energy-saving lighting

Most working environments have to be well-lit, but you don’t have to rely on traditional incandescent bulbs to do the job. In fact, these have now been banned by the European Union, so if you’re still using them, switch to compact fluorescents. The latter are a lot more energy-efficient and will help light up your workspace without leaving you with a massive electricity bill.
It’s the duty of every company and employee to protect the world we live in, so it’s worth putting these energy-saving strategies in place.

Frugal Business Tips from a Mumpreneur

2013-05-21T11:37:00.001-04:00

For small businesses living frugally can sometimes mean the difference between survival and downfall. In those early days of a business keeping an eye on cash flow and expenses is crucial.
Having started my own online business ‘Custard & Crumble’ last year there are a number of tips and lessons I have learnt to reduce costs and increase profits. It is important to find out where your money is best spent to drive revenue and profit as quickly and as cheaply as possible.

Use the Internet – it is free and there is a lot of information out there. The HMRC website offers a wealth of information across all topics as well as some useful templates you can use for accounting, legal, shipping etc.
Trade Shows – take a look at the relevant trade shows for your business. Many of these will have offers on the day for different services – web design, phones, accounting etc. You will also find talks by key speakers where you will be able to take home a wealth of information for free.
Advertising – if you decide to advertise in magazines and newspapers never pay their first offer price. There are always deals to be made although this is still an expensive form of advertising.
Social media - If you are web based social media is a great and free way to advertise your business. The only cost will be your time, but your time is obviously money and therefore you need to make a plan and measure the success of your social media campaign as quickly as possible to see if this is right for your business.
Networking – Take a look at your local networking groups. Again many are free to join and give you the option to tell people about your business as well as find people whose services you might need.
Bills – if you work from home ensure you get your gas and electric bill on business rates –these will be cheaper with the opportunity to claim back the VAT.
Word of mouth – encourage your happy customers to spread the word about your business for you. Perhaps incentivize them with a discount. Testimonials are great to show customer satisfaction and will make potential customers more likely to buy from you.
Newsletters – another really cheap way of advertising to replace the traditional and expensive postal mailers. You can always use a promotional code to track sales from this and therefore your ROI.
Outsourcing – if you cannot afford to employ someone permanently, using an outsourcing company can be a great, cost effective way to get some extra work done. Whether it be content writing, book keeping or design you can get the extra work done leaving you to make more sales!
Research – whether it be web design, SEO, location or banking make sure you do as much research as possible and get as many quotes as possible. Do not be afraid to play off one company against the other. Remember knowledge is power and if you know what you need and what’s involved you will be in a far better position to negotiate.

Rachel Bradbury is a Mum of one, Jack an enthusiastic toddler, with another on the way. She is also the owner of Custard & Crumble, an online luxury nursery store selling nursery furniture, accessories and gifts.

How to Use Coupons Effectively

2013-05-20T11:25:00.000-04:00

Coupon use has been around for so many years. I remember where my mother kept her old beat up shoebox full of coupons in our old house and how it was organized with index cards too. Every Sunday she would clip her coupons and organize her shoebox, then write a grocery list on an envelope and insert the coupons that she needed to match her list.

I don’t use a shoebox, but I have taken to the envelope system as I had seen her use for so many years. It wasn’t until I became a mother that I really started using coupons. I use coupons to purchase just about everything that I can for our family to help us save money and stay in budget. It has become a way of life for us, and couponing doesn’t have to be stressful, if you are organized and know where to find coupons it will be easy and enjoyable.

Where to find coupons

There are many places to find coupons other than in the Sunday newspaper. Until I really started couponing, I never knew about coupons.com, smartsource.com and redplum.com to print coupons. Stores and brands also offer coupons on Facebook, Twitter and on their websites.

Not only do I print coupons from coupons.com, but I also use the app on my iPhone and I can print coupons from my phone to my wireless printer. Target also offers mobile coupons that are sent to you via text message and you can show the text to the cashier to receive the discounts.

Another way to receive coupons is to e-mail, write or call the company and ask them if they have any coupons to send you. You’ll be surprised at how many companies will mail you coupons to use products!

Stacking and Doubling

Most stores will allow you stack coupons, which is when you use one of their store specific coupons with a manufacturer’s coupon. For example, at Walgreen’s I can use a coupon from their weekly ad along with a manufacturer’s coupon to save more money on the product. Always refer to the store specific coupon policy.

Most grocery stores also double coupons up to $1. This is certainly helpful if there is an item on sale and you have a coupon that will double. I always look at all of the coupons that I have that are under $1 and match those to the sales at my grocery store so I can get the most for our money.

Each store has a coupon policy and the key is to learn the policy so you don’t run into any issues at check out.

If you’re on a budget, coupons are a great way to save money if you stay organized and use them to your advantage!

Nikki Muroski is a mommy of three, a wife and a blogger for her site, Nickel-and-Diming with Nikki. She is also a regular contributor to the CareOne Debt Relief Services blog, a community that provides debt consolidation and money-saving advice.

Six Tips for Creating a Realistic Retirement Plan

2013-05-19T15:27:00.001-04:00

Financial security just doesn't come with old age. You need to make a plan early to help you save and start thinking about the future. In order to remain comfortable after retirement, many people start saving early, but they don't realize how much they actually need to survive without any income. According to the United States Department of Labor, less than half of Americans don't calculate the right amount for what they need after retirement. In addition, workers don't often participate in 401K plans, but on average, people remain in retirement for 20 years. Saving for a rainy day is one thing, but when you are planning the rest of your life, you need to consider a few things and begin planning immediately.

1. Create Goals and Start Saving

If you have already been saving, you're ahead of the game. You should never stop saving, however. Saving is a great habit to start early on in life, but retirement savings should be separate from vacations and college education. As you start saving, your money begins to grow, and for some, that creates a need to spend, which places a strain on the retirement fund that you worked so hard to achieve. The first step is to write a concrete plan for how to save that includes your goals and expenditures for 20 years. It's never too early to start saving.

2. What Retirees Need

When creating this plan, consider what your finances are now. If you have debt, you should find a credit repair expert to help consolidate debt and lessen the financial strain to make it easier to save. Most financial analysts predict that people need at least 60 to 70 percent of preretirement income if they earn above $70,000 a year. For those who have low earning potential, it's at least 90 percent. These numbers are there to help you plan what life will be like when you stop working. You should consider all of your bills and look at both monthly costs of living as well as annual costs. In addition, if you plan to travel during retirement or want to make bigger purchases, your savings plan should include how to set aside funds for those expenditures as well.

3. Join Your Employer's Savings Plan

Most employers offer a 401K or retirement plan. You can help yourself by specifying a certain amount that you want saved. Employers usually kick in a $1 or more per what you add to the pot. This allows you to make automatic deposits into your retirement fund. You also earn more money based on interest and taxes, so your retirement plan can really add up in the end. Most retirement plans require that employees remain with the company for a certain period of time before joining a 401k.

4. Invest Wisely

If you already have money in the stock market or other types of investments, you may be a little knowledgeable about how to diversify your money so that you are constantly earning. However, you should also consider safer stock market buys and finding ways to increase your investments so you have more financial security.

5. Social Security Benefits

Not everyone is eligible for social security benefits. You need to have held a job for many years and earned social security on your income. Most social security pay is equal to about 40 percent of what you earned before retirement. You can figure out the exact sum through the Social Security Administration webpage.

6. Talk to Your Family

When you retire, your family's lifestyle will change as well. You should include your spouse in any retirement decision and inform your children as well. If you are starting a retirement plan early, talk to your family about what they can contribute such as an inheritance to ensure that you have all the accurate figures when creating a retirement plan.

Once you've begun a retirement savings plan, commit to your goals and don't touch your savings. It's important to always look towards the future and remember how you want to live those 20 years. If you create a stable plan, you can actually live better in retirement than in any other time of your life.

Ways to be Frugal When Gardening

2013-05-17T19:06:00.001-04:00

Gardening is a great way to save money. You can grow your own fresh, healthy fruits and vegetables instead of buying them from the grocery store. In addition, you can be sure that there are no harmful pesticides on your crops, helping you to eat a more healthy diet that will reduce your chance of illness and help you save money on doctor's bills.

However, when you are just starting out gardening, you can make a lot of rookie mistakes that can cost you a lot of money. In addition, the cost of fertilizer, soil, gardening tools and other necessities can start to add up fast. If you don't make the right decisions, your plan to save money by gardening can turn into an additional expense. Here are a few ways that you can be frugal when gardening by avoiding unnecessary costs and rookie mistakes:

Buy Seedlings Instead of Seeds

Growing your garden from seeds can sometimes be difficult. Seeds are very vulnerable, and a number of things can prevent them from growing, including the composition of your soil, how much you do or don't water them, what kind of fertilizer you are giving them and so on. Seedlings, on the other hand, are much more sturdy. Since they are already growing and have blossomed into little plants, they are more hardy and can withstand more conditions.

By using seedlings instead of seeds, you increase your chances of success so you don't waste money on seeds that never germinate and produce the crops you want to grow.

Use Quality Soil

The composition of your soil plays a big role in whether or not you are able to grow sturdy and disease-free crops. It pays to test your soil with a home kit or to take a small batch of it to your local agricultural extension office to have it tested. You will learn what you need to add to the soil to make it healthier and to reduce the risk of pests and diseases that might afflict your crops.

By starting with a healthy soil, you minimize your risk of failure -- as well as the amount of money you will waste on seeds or seedlings that never grow to harvest and any other fertilizers or amendments you buy.

Make Your Own Compost

One of the best ways to improve the quality and health of your soil is to add compost to it. However, buying compost can be very expensive. You can save money and reduce your household waste by creating your own compost. You do this by adding kitchen scraps (everything but meat or dairy) to your bin with other organic matter, such as paper, grass clippings, dead leaves, and sticks.

Continually add these items to your compost bin, and turn the pile regularly. Within a few months, you will have a rich compost that will be free of harmful chemicals and that will provide a quality -- free! -- amendment to your soil.

Put Up a Fence

Whether you live in the city or the country, there will be many pests that want to invade your garden and dine on your delicious produce. You can keep out pests and save your produce -- and protect the time and money you have invested in growing it -- by erecting a simple fence. This can be a plan bale of chicken wire wrapped around wooden stakes. The only requirement is that it be tall enough to keep out common pests and that it doesn't leave room for them to crawl underneath.

Read, Read, Read

Gardening is in large part a matter of trial and error. However, all that error can cost you a lot of money. To save yourself money and reduce those errors, read as much as possible before you begin. Learn what crops need to be cross-pollinated to grow. Find out what you can actually grow in your region. Learn what types of soil amendment you need to add for certain crops.

The more you know, the fewer mistakes you will make and the more money you will save. Also, you'll have a beautiful bounty of produce at the end of the season to fill your plate with plenty of fresh fruits and vegetables.

Gardening is a great way to save money -- if you know what you're doing. Use these tips to help you avoid unnecessary costs and rookie mistakes so that you can save money and get the fresh produce you need to create a healthy diet and a healthy lifestyle.

What rookie mistakes did you make that cost you money when you started gardening? Tell us about them and share the tips you wish you knew when you were starting out in the comments!

Kelly Opferman is a seasoned writer who at this time focuses on her app site, located at: http://www.autoloancalculator.org/. Her educational background includes finance, teaching, and economics.

Image courtesy of Simon Howden / FreeDigitalPhotos.net

Is Ebay Or Amazon More Beneficial For Your Business

2013-05-08T13:49:00.000-04:00

Amazon.com and eBay.com are the internet's two largest websites where people can sell products without having to put up with hosting their own website. Each site offers a user a simple form to fill out for a sales listing, and each website automates just about everything from formatting the listing to providing shopping cart technology.

Subtle differences do exist between the two sales options, however, so for anyone thinking about expanding and selling with a different company, examining each site's pros and cons is a valuable exercise.

Things that Amazon Does Better

1. Fast sales

Amazon offers a very streamlined buying process on its website whether a purchase is completed for a product shipped from an Amazon warehouse or whether the purchase is from a third-party seller. The checkout and invoicing process on eBay takes a little longer and has more steps for the seller to complete while Amazon's design is much more automated.

2. Feedback

Each time a sale is completed on eBay or Amazon, a buyer has the chance to leave feedback. Negative feedback impacts a seller's ability to have successful sales on eBay much more than on Amazon. The feedback given on eBay is usually more impactful to sales because of the higher level of communication between the seller and buyer.

3. Marketing

When a seller offers goods on eBay, those items may show up in search engine feeds and will provide a small amount of external marketing to a seller's listings. Amazon's marketing options are much heftier, and a person can create an Amazon feed to showcase products. Amazon feeds make good money and can be placed on an external website of any kind.

Things that eBay Does Better

1. Auctions

The claim to fame for eBay is its auctions, and while the website offers fixed-price listings, higher sales are possible through the auction format. Sellers often underestimate the value of their item on Amazon and eBay and list it too low. With auctions, a seller can price their starting bid at a point that may result in a higher final bid price.

2. Tax collection

When a person sells anything on Amazon, the company automatically collects taxes that are taken out of the sale price. The tax collection structure on eBay is much more lenient, and the taxes are added to the sales price, so a seller never loses money on tax collection. The tax structure may change in the future, but for now eBay sellers have it much easier.

Overall, eBay and Amazon each offer certain services that are superior to the others offerings, but neither stands out as a clear choice above the other across the board. Depending on a person's selling techniques, sales volume, and the type of product sold, one option might be better than the other. Sellers may benefit from using both services to sell different types of products. It may be a worthwhile investment of time to list specific goods with the particular vendor that offers a higher rate of sale for an item.

Creating Stunning Interiors On A Budget

2013-05-04T00:35:00.002-04:00

Not everyone has the money to spend on an interior designer or high-end accessories for their home. However, those who are frugal minded can create a beautiful home even on a shoestring budget. The trick is finding creative ways to mimic the style and look you want with less expensive, easily obtainable accessories.

Find Your Look

Your first task is to find the look and style you want to create for your interior. You may find a home design website or magazine that has exactly the look you want to create. By using ideas from top designers, you can duplicate similar looks in your own home without having to pay for the expensive services of a personal interior designer.

Now that you know your ideal design, you can begin shopping for the accessories to make it happen. Although the drapes in your designer magazine may be hundreds or even thousands of dollars, there are always options that can give you the same look. For example, it may be easy to get a great cardio workout if you owned an exercise swimming pool, but not everyone can afford to have one installed in the backyard! However, a less expensive stationary bike or even a gym membership will get the same job done at a fraction of the cost.

Searching For Treasures

The quickest and easiest way to find great deals on the interior accessories you want for your home is to search online. There are many websites that carry low cost designer replicas, and you may even be able to find gently used items that are the real deal at a great price. It may take more time to find everything you are looking for, but the money you will save can make it worth your time.

Another fun way to find those pieces to put together your perfect interior is to shop thrift and bargain stores and even yard sales. Always be on the look out for the pillows or throw rugs you need to accent your home and you can slowly recreate the look you want with inexpensive alternatives. Just as with the exercise equipment you use or the clothes you wear, think outside of the box and find something that is similar and functional in your price range.

Think of how you save money on clothing or jewelry; you can create the same look as top designers for your home interior with less expensive options. There are entire companies dedicated to creating beautiful home accessories that look just like the ones you see in top design magazines at a fraction of the cost. You just need to take the time to find what you are looking for at the right price for your lifestyle!

Carly Fierro has always loved decorating, even when she was a little kid and would have to beg her mom to buy something to hang on her wall. Now she shares her knowledge with others through her writing. She dreams of being published in an interior design magazine someday.

Image courtesy of Ponsulak / FreeDigitalPhotos.net

Frugalful.com

4 Excellent Ways For Purchasing Cheap Furniture to Revamp Your Decor

How to Make Candy Bar Wrappers for Party Favors

Why Hello, Chevron

Free Printable Chevron Birthday Cupcake Topper

An Easy DIY Party Idea

Top 5 Things To Do For A Frugal Father's Day Weekend

Decorating a Master Bedroom on a Budget

Are There Any Real Work At Home Jobs Out There?

Tips for Perfect Blonde Hair

5 Repairs and Projects for the Summer Months

1. Focus on big outdoor projects first

2. Plan and plant landscaping

3. Don’t forget your windows

4. Check your gutters

5. Repair cement or asphalt

Create a Whimsical Outdoor Garden Space

A collection that will give your lovely garden a burst of color! Each Under $50.00!

Office Furniture Budgeting Tips for the Mompreneur

Derek Cardigan at Coastal.com | Chic and Affordable

Colorspiration | Yellow - All Less than $50

Getting Ready For Summer With Tree Hut

Get The Whole Family Involved In Saving On Your Electric Bill

Get The Kids Involved

The Obvious

Appliances

Entertainment Electronics

Windows Open / Windows Closed

5 Ways to Save Money on Your Summer Wardrobe

Tips in Choosing Glasses

5 Benefits of a Short Term Loan for Small Business Owners

Allow You to Expand

Enable More Hires

Easier & Faster than Seeking Investors

Tax Advantages

Chance to Boost Your Credit Score

Green Initiatives For Small Businesses and Mum-preneurs

Frugal Business Tips from a Mumpreneur

How to Use Coupons Effectively

Where to find coupons

Stacking and Doubling

Six Tips for Creating a Realistic Retirement Plan

1. Create Goals and Start Saving

2. What Retirees Need

3. Join Your Employer's Savings Plan

4. Invest Wisely

5. Social Security Benefits

6. Talk to Your Family