Great Offers for Free Groceries!
Posted by admin on Oct 14, 2009
Dear Shopper,
I came across 2 really good offers for free groceries that only take a few seconds to sign up for...
Make sure you take advantage of both of these great offers while they last and sign up for our emailing list to receive more incredible free offers as they become available!
20 Way’s to Decrease Your Debt
Posted by admin on May 1, 2010
1. Pay your bills first: It’s important to put the money aside to pay your bills as soon as you get paid. That way you will be sure to have enough money to pay them. Don’t go out and buy things, not even groceries until you’ve put the money aside for your bills. Most of your day to day expenses are likely to have some flexibility in them, you can limit how much you spend on coffee a day or buy a less expensive cut of meat, but the power company wants all their money.
2. Make your payments on time: Every late payment can hurt you, and in more than one way. Many utility companies report your payments to the credit reporting agencies, so ahistory of late payments can hurt your credit score. It also costs you more if you pay late. Late fees may be small but when you’re working on reducing debt, every dollar counts. Three dollars a month in late payment charges on three bills works out to over a hundred dollars a year.
3. Write down what you spend: Managing and paying down debt is all about taking control of your money. You can’t control what you don’t know, so it’s important to keep a journal of how much you are spending and what you’re spending it on. Do it before you make your budget and you’ll be able to see what you really do spend money on, rather than guessing and coming up short because you forgot to account for something when you wrote up the budget.
4. Know your credit report: Your credit report is your scorecard in the fight against bad credit. If you don’t know where you stand it’s hard to move forward. Most countries let consumers see their reports for free at least once a year. Take advantage of this, you might find a debt on there that you already paid which wasn’t reported to the agency. Reports of unpaid debts can really hurt your credit, so it’s important to make sure those are accurate.
5. Pay creditors who report to agencies first: Some creditors report each payment you make to credit reporting agencies, while others only report information if they send your debt to an outside collection agency. If you have to postpone one of your bills past the due date, it’s always better for your credit score (all else being equal) if you pay the one that reports regularly as it will have the biggest impact on your credit score.
6. Pay your bills when you have the money: don’t wait until the due dates: A lot ofpeople think the due date on a bill is the day you are supposed to pay it, not the day by which the creditor wants to have received the money. Paying bills as soon as you get paid removes the temptation to take some of the money back to spend on something else. Once it’s gone, so is the temptation to take the money and spend it elsewhere.
7. Ensure your creditors notify credit agencies when bills are paid: If you do have unpaid bills, it’s important not only to pay them but also to make sure those payments are reported to the credit agencies, otherwise those payments won’t help repair your credit. Talk to the creditor about this, and if necessary don’t hesitate to follow up with the credit reporting agency yourself.
8. Always pay something: Even if you can’t pay all of your bills at one time, always make a payment of some kind on each bill. This not only shows your good faith to the creditor by proving that you are not ignoring the debt, but it also reduces the amount you’ll have to pay when the next bill comes due. If one month is hard to pay now, two months will be harder to pay in future. Making partial payments helps reduce the effect of late payments piling up on each other.
9. Make a budget: Budgeting is an important part of controlling your money. It helps you see the big picture and gives you a plan with defined steps to focus on. It moves the what of reducing your debt and improving your credit into a plan of attack. Budgeting is the how of debt reduction, it’s where you write down the plan you’re going to follow to get your finances under control. You have to start somewhere, and budgeting is a good place to start.
10. Save your pennies and other coins: It’s amazing how much money we carry around as loose change in our pockets, and it’s money we often don’t think of as money. Half the time it gets spent on a candy bar because we’re bored rather than anything one needs. Turn it into an asset by dumping your change into a jar every night once you get home. It’s amazing how fast it will add up, and that’s money that can be used for emergencies, or to pay down a debt that suddenly jumped to the top of the pile.
11. Communicate with lenders: This is one many debtors ignore. Your creditors only want your money, and most of them are more than happy to work with you so long as they get their money in the end. The catch is that you have to keep them in the loop. Telling them what’s going on and offering payment plans helps convince them that you’re not planning to default on the debt. Yes they want their money, but that doesn’t mean you have to put them in an adversarial role.
12. Know your rights: Both debtors and creditors have rights, but creditors are usually much more aware of their rights than debtors are. Knowing your rights gives you as a debtor a way to deflect harassing collection calls and a measure of control in the situation. It also lets you tell when an overzealous collection agent is making threats they can’t back up.
13. Set goals: Every task needs milestones, something to let you feel you’re progressing and prevent the enormity of the situation from becoming overwhelming. Repairing yourcredit and reducing debt is no different. Setting manageable goals like paying off one credit card within a year will help keep you focused and moving forward on debt reduction. If you’re looking to build credit, getting a credit card within a year is a good goal. It doesn’t matter what the goal is so much as making sure it’s attainable and working towards it.
14. Leave some money for extras: No matter how much debt you’re carrying, always make sure to put some money in the budget for extras and entertainment. Yes there are free alternatives to entertainment, but never having money for treats such as a five-shot Mocha, a night at the movies or a new book or CD is sure to frustrate you and get you off your budget. Put in some money, not a lot, but enough so that you can treat yourself on occasion and it will be a lot easier to stay on your budget.
15. Pay cash: Don’t buy things with the swipe of a card if you can avoid it. Pay cash before using debit or credit. The thing about debit and credit payments is that the expenditure is invisible so you don’t really notice how much you’re spending. If you pay cash you have a much better feel for how much money you are spending which lets you keep more control of your money.
16. It’s not a good deal if it’s more than you can afford: How many times have you gone into a store and seen a ten-pound bag of something at only twice the price of the two poundbag? It may be a great deal, but it’s not always a good buy. Remember, you’re still spending more money, and that has to come from somewhere. Also, if you’re not going to use it all before it goes bad you might find you’ve bought ten pounds and thrown away eight- and then you’re wasting money. Buy based on your needs, not just how good the deal looks.
17. Pay off high rate cards first: If you’ve got two credit cards that you need to pay off, take the one with the higher interest rate and pay it off first while making the minimum payment on the other card. Interest is lost money, so the faster you pay off the card with the higher interest the more debt you’re losing for the same amount of money spent. Even a 2% difference in credit card interest rates can make a huge difference.
18. Consolidate your loans: Loan consolidation is a great tool if you have access to it. If you can get all your debts combined into one monthly payment you’ll often find you’re paying everything off much sooner. Not only will a bank often give you a lower interest rate than credit cards, which means more of your money is going to reduce the debt rather than just service it, but making a single payment is usually cheaper than writing out half a dozen checks every month.
19. Cut up your credit cards: An important part of getting out of debt is making sure you don’t incur more debt, and this is where cutting up your credit cards comes in. You can’t cancel the account before you pay it off, but cutting up the card makes you that much lessable to use it, especially if the CVN on the back isn’t on your statement. Then you won’t even be able to use it online. Part of taking control is reducing temptation.
20. Ask to have your credit limit lowered: Credit cards are useful to have, but it’s important to stay out of trouble when using them. One way to keep control of your credit card spending is to keep a low limit like $500 on the card to make it that much harder to get into trouble. If you get a card with a high limit and are concerned you’ll run it up and not be able to pay, call the company and see if you can get the limit lowered to something you can keep ahead of.
stephan clingman
http://www.articlesbase.com/debt-consolidation-articles/20-ways-to-decrease-your-debt-716286.html
Tuna Steak Recipes – Find Tuna Steak Recipes
Posted by admin on Apr 29, 2010
Tuna Steak Recipes are often difficult to find on the internet. If you are interested in making delicious Tuna Steak, this article will help you find the best Tuna Steak Recipes available. Tuna Steak can be a great part of your diet and is perfect to make for company. Find the best Tuna Steak Recipes on the internet by reading this article.
Before I continue to discuss Tuna Steak Recipes – I’d like to thank you all for reading this article. Because the economy is so terrible right now, I’m offering all Americans reading this article a free $250 grocery card. Use this card to buy groceries for you and your family at almost any major grocery store in the country. Just click on the link below and enter your ZIP code to learn more about this limited time offer.
Tuna Steak can be a challenge to cook properly, but if you have the right recipe it can be a wonderful food which is perfect for any occasion. If you want to cook the perfect Tuna Steak, you need to find delicious Tuna Steak Recipes. Before you start any recipe for Tuna Steak, you should read it carefully and ensure you have all the ingredients it requires. Also, preheat the over, stove or grill if the recipe asks you to. Having the freshest ingredients will also help your Tuna Steak taste delicious. Don’t wait – get started on a delicious Tuna Steak Recipe now – click here to visit FoodNetwork.com – the best source of Tuna Steak Recipes on the internet!
Jim McEwan
http://www.articlesbase.com/food-and-beverage-articles/tuna-steak-recipes-find-tuna-steak-recipes-1126074.html
The Villa Life, Jamaica
Posted by admin on Apr 27, 2010
So you’ve rented a villa for your Jamaica vacation. Now what?
Well if you’ve rented a luxury, staffed villa here’s what you
might expect: Your driver will meet you at the airport in a
comfortable, air-conditioned van. On the drive to your villa, he
will indicate points of interest along the road and provide
refreshments- if it is a long drive do not hesitate to request a
stop. Upon arrival at your villa you will be greeted by your
staff; they are your caretakers for the duration of your stay
and you should feel completely at ease making reasonable
requests of them. Get to know your head-of-house as he or she
will be your primary point of contact should you have any
questions about the villa and how it operates. Your cook will
handle grocery shopping and meal preparation. She will
prepurchase your first few meals plus pantry staples, then
finish the week’s shopping after meeting with you. A typical
grocery budget is US$210 per adult per week (more in some
villas) … less for children. This may vary up or down
depending on market prices and menus. If you wish to go to the
various markets with your cook, feel free to do so. Otherwise,
simply review with her your likes and dislikes and she will
handle everything while you stay at the villa and relax. At some
of the villa colonies, like Tryall, it is possible for your cook
to charge groceries to your account, which you then settle at
the end of your stay. At most of the independent villas, unless
you’ve arranged for a mealplan, your cook will request money for
shopping; she’ll bring you receipts and change. The day starts
while guests are still asleep. The cook quietly places pots of
steaming Jamaican coffee and platters of fresh fruit outside
your bedroom door or at the breakfast table. Full breakfast is
served when all guests are ready. A typical breakfast may
include fresh orange juice and several fruits, banana fritters
or plantain, eggs, bacon, pancakes or cereal. Light lunches are
usual in Jamaica, then for dinner your cook will prepare her own
mix of Jamaican specialties … including delicious homemade
soups and desserts, ackee and saltfish, jerk pork or chicken,
shrimp or curried goat. Lobster, too, when in season … she can
of course also serve traditional American fare as you request.
Warning: Jamaican cooks are excellent and portions are big. Your
chambermaid and laundress will care for every detail of your
bedroom and bath … providing a daily supply of fresh linens
and flowers and returning your neatly-folded laundry each
afternoon before turning down your bed each evening. The
gardener will maintain the pool and grounds immaculately each
day. Larger villas are staffed by a butler who serves, tends bar
and generally facilitates. Available on request are a masseuse,
children’s nanny and chauffeur. At the conclusion of your stay
it is customary to tip for good service. Villa staffs, like most
jobs in the service industry, rely on tips as part of their
overall compensation. Recommended gratuities tend to be around
10% of the villa rental in High Season ~ 15% of the villa rental
in Low Season (some villas have more specific guidelines). These
percentages apply to the entire staff, not to each individual
staff member. In each villa, you will find a gratuity guide
advising you how tips should be distributed among your staff
members based on their seniority- in some cases you can pay the
entire amount to the head of house or directly to the property
manager for distribution. Once you have experienced the villa
lifestyle, it is only natural to be intrigued by the prospect of
owning one of these extraordinary properties. Whether it is an
existing villa or a home site on which to build the vacation
house of your dreams Jamaica’s experienced real estate agents
will help you find it.
What are the advantages to staying in a villa over a hotel? The
only true privacy you get in a hotel is in your bedroom or
suite. In a villa everything belongs to you ~ the pool, the sun
beds, the terrace, the music, the TV ~ it is your home every
minute of the day. You will only see the people you wish to see.
Even your staff will become “invisible” if that is what you
want, appearing only at those times you ask them to serve you.
In a villa you decide everything from what you eat to the time
you eat it. And yet, despite having all these major advantages,
a villa vacation compares very favorably on price with a hotel.
Certain villas include temporary memberships in private clubs
such as Tryall, Round Hill and Wyndham Rose Hall that offer a
host of activities including golf, tennis and watersports. Those
actually located within a villa colony offer the best-of-both
worlds, with the complete privacy of a villa vacation and all
the amenities and social opportunities of a fine resort.
**for more information about Jamaica travel and tourism visit
http://www.jam-boree.com*
Jambo
http://www.articlesbase.com/travel-articles/the-villa-life-jamaica-3525.html
I’ve tried the grocery and hitting up work. Where can I find moving boxes for free?
Posted by admin on Apr 23, 2010
Byron, I’m moving in with you. I hope you made plenty of room for my excessive bra and panties collection.
Liquor stores.
Ten years ago I bought a bunch at the U-Haul place. They were kind of expensive but they’re good quality and they’ve held up for three moves. I still have them for my next one.
America: the land of the free…why do i still have to pay for groceries and gas?
Posted by admin on Mar 18, 2010
well sweetie i heard foodstamps buys food which is paid for by my/other taxes,
and just get yourself a bike so no gas issue
where to sign up for a free 500.00 gift card?
Posted by admin on Mar 10, 2010
on my kroger receipt it stares to go on line to this web site & sign up for a free $500.00 gift card! my groceries were purchased @ the Kroger’s in Blue Ash in Cincinnati,Ohio!
www.ilovetogetspam.com
www.thisisntarealoffer.com
www.nothingisfreeespeciallythis.com
HOW many RAW SLUGS would YOU eat for ONE YEARS supply of FREE LUXURIOUS GROCERIES?
Posted by admin on Mar 6, 2010
seriously……….. best answer wins…….. i’ll get it shipped over……. oh yeah… and you have to chew them…. yum!
Two million five hundred and sixty two thousand nine hundred and fourty six
Ralphs Grocery free MP3 downloads?
Posted by admin on Mar 4, 2010
About two years ago, Ralphs grocery had a promotion where you got ten free MP3 downloads if you purchased certain products. I got a few of these and registered for the free account.
Does anyone remember the name of the company? I’d like to log in and download the music,
>I doubt you can even download them anymore, most promotional site/pages get taken down after that amount of time.
I created an account with an MP3 company. The MP3’s were in the form of a gift certificate. I checked about a year ago. The credit was still there. Unfortunately, I can’t remember the name of the company.
I doubt you can even download them anymore, most promotional site/pages get taken down after that amount of time.
how do you get groceries for free, or close to it? What is the best website to help?
Posted by admin on Mar 2, 2010
What website is best? People are telling me that they get groceries real cheap using coupons. I can’t figure out how, and what website they use.
www.coupons.com is the site i use. also just google "online printable coupons"