Still waiting for hubby’s pay day! Hopefully, it’s tomorrow or the day after tomorrow. Please, not next Monday!

If hubby’s payday is next Monday, he can forget about saving money on the industrial products he wants. The deep discount sale will be over by then.

Can he wait for another sale? Or even better, he doesn’t need them anymore. Wuahaha!

When it comes to spending, I always want hubby to cut down on his expenses. What to do? His spending amount is always larger than mine.

Time flies! It’s a bit unbelievable that my nephew is going to be teenager soon.

He is now as tall as I am. I thought it’s my sister’s husband who was standing beside my sister the other day when I met them in the mall.

Apparently it’s my nephew who had grown so much taller. He accompanied his mom to meet me at the shopping mall to buy office supplies.

I am glad that my sister has already started teaching his eldest son on saving money. She wants all her kids to be good at budgeting, saving money and spending money wisely.

Ya, right. Don’t be like me, still loaded with tons of credit card debt.

Some of my blogging pals who have had enough of frugal living are spending again. Oh, dear, this is dangerous, right?

They must have felt strangled or deprived by the frugal living that they quit whatever grocery, clothing, and concerta coupon clipping that has been saving them lots of money.

Spending again means that there will be new debt added into their existing debt amount.

It’s my hope that they get to stop their impulse spending before it’s too late. They will surely feel guilty after the shopping season is over.

Seeing how much money a buddy has to spend on buying diabetes test strips, diabetic supplies, catheters and wound care supplies for her ailing parents month after month makes me realize the importance of keeping my mom healthy.

My mom has to be healthy, so do hubby and I. Keeping ourselves healthy and fit does mean saving money on medical bills and supplies.

It’s true what the ancient poor people said, “It’s better to die than being sick if you are poor.”

Hubby’s friend’s friend had recently hung himself after his family finished all their savings on treating his terminal cancer. He loved his family very much but still chose to die because he didn’t want to burden the family.

Seeing the gold price hiking day by day, I feel like investing in gold ingots. Imagine if I keep the gold ingots until I reach my retirement age! Wow… I am sure I will have a blissful old age.

It’s true that I am still loaded with credit card debt. But I can still save some money aside to invest in gold ingots or trust funds.

Besides saving money and exercising strict control on spending, I must build up more niche blogs to make money online. I have had 2 dozens of multiple niche blogs that sell Amazon, Click Bank and Commission Junction products.

Hubby and I have been in the city for a few days. We are going home tomorrow and will be back in the city again next week.

I am grateful that my aunt lets me and hubby stay at her place. This way we don’t have to stay at a hotel. Hubby is doing the foot reflexology treatments for free for my uncle and it’s going to take more than a month, therefore staying at a hotel is out of the question.

Besides saving money on hotel accommodation, we also save money on foods. My aunt’s house is full of foods and fruits, so there is no need for hubby and me to waste money eating outside.

Hopefully, the money saved can be used to pay off credit card debts and utility bills. I don’t think there is spare money for me to buy one of my favorite digital cameras for the time being.

For those who are looking to buy a home, decreasing rates is certainly a good thing. While mortgage rates aren’t directly linked to the Federal funds rate, they do generally follow over time. Of course, lower mortgage rates mean you can get into the house you want while saving money on interest.

One thing to be careful of is that you don’t increase your budget to simply get into a bigger house than you need. Just because lower rates mean lower payments, you should use this as an opportunity to save money, not as an excuse to buy more home than you need.

If you already own a home and purchased it when the rates were a bit higher, this could be an opportunity to refinance. Even being able to shave a point off of your mortgage rate could mean freeing up an extra couple hundred dollars a month.

If you do decide to refinance, make sure you compare the savings with the potential fees and expenses associated with the refinance to make sure it is actually going to save you money.

Although it can seem impossible, there are ways out of credit card debt, and if you want it to happen then you can begin getting out of debt today.

There are a bunch of ways and systems that people use to get out of credit card debt. I highly recommend Talk Your Way Out of Credit Card Debt to anyone who carries a balance on his or her credit cards or anyone who wants to gain skill in negotiating with a credit card bank to reduce interest rates or eliminate fees.

Learning how to talk your way out of credit card debt is the quickest, easiest, and most efficient way to start saving money!

It’s true! You can call your credit card banks to negotiate a better interest rate and have fees waived!

However, it may not be as easy as picking up the phone and asking. That’s because bank representatives are trained to deter you from pursuing the deals you deserve. Overcoming their tactics can be difficult when you don’t know what to expect.

Scott Bilker, author of Talk Your Way Out of Credit Card Debt, and creator of DebtSmart.com, has spent 10+ years making banks compete for his business.

Now, he’s sharing his personal phone calls to banks that saved more than $43,000 for himself, his family, and friends! These 52 phone calls, out of the hundreds he has made, demonstrate exactly what worked, what didn’t, and why. In each call transcript, for anonymity, banks have been renamed as dog breeds and their reps as bugs.

In this book you will discover proven negotiation strategies, and build your confidence, while learning how to:

1. Get annual fees waived;

2. Lower your current interest rates;

3. Shop for the best credit card deals;

4. Get late-payment, overlimit, and cash-advance fees waived;

5. Compare loan options and calculate savings;

6. Dispute charges and get all your refunds;

7. Negotiate account settlements; and much more!

Saving money is one hard task. There are lots of things to be considered, primarily on how to budget your cash on hand that would somehow, if not manage to have excess left money, be exact of what it should be used for.

Budgeting is really a pain in the neck. Allocation of electric bills, water bills, phone bills is just few of the many things being considered on how to utilize your cash wisely.

Food is no exception. Being the most important of all house responsibility, we prioritize on how to budget our money, reducing the money spent without sacrificing the food allocation. Read more »

So you’re looking for tips on how to start saving money, cutting expenses, and getting out of debt. If you’re looking for inspiration and advice about saving money, getting out of debt, being a good steward of your money, read on.

Saving money is the game now if you really want to bank on a good future for you and your family. This is one definite way to ensure that you make yourself able and ready for whatever big plans you have ahead, be it getting a new house, buying a car, sending a kid to college or even a grand vacation.

Unlike investing, saving money on purchases doesn’t require any specialized training and is an easy way for anyone to stretch their budget a little farther. There are many ways to save money. It can range from setting aside a portion of your monthly paycheck or avoiding the little temptations for you to spend. Make it your goal.

Start at Your Own Home. Saving money should be part of your way of life to make it most effective. It is best that the effort to save be shared by everyone in the family.

Little Efforts. Do not drive if you really don’t have to. If you can, just take a walk or take the bus. Riding the bike can also be very good for your body. Have a car pool with friends or neighbors. You can also suggest doing errands together like doing the grocery store.

Avoid the Little Temptations That May Come Your Way. It is naturally fine to reward yourself after a hard work every now and then, but do stay away from splurging. Cut back on your expenses.

Use Less and Save Energy. Electricity – Turn off appliances that are not used. Turn the TV off if the show is not worth it. Close the refrigerator after getting what you need. Use lower wattage bulb for rooms that do not need much lighting. These will definitely add more data to your savings!

Water – Check for any leaks in your pipes. Always make sure that the faucet is not dripping. Avoid long showers. Use a glass when brushing your teeth instead of leaving the faucet on.

Phone – Choose a provider that has savings plans especially for long-distance calls.

Gas – Have your car tuned up so you can save on gas. Get membership benefits also from stations. Fill up the tank when the prices go low. You can also do a research on gas saving cars if you have to purchase a new one. Turn off the air conditioning. If there is no need for that, simply keep the windows open. Enjoy the ride and the cool wind.

You may not realize this before, but your household’s basic utilities can actually be your key to saving more money. This has a two-way benefit. You get to save some dollars for your family. You also contribute in addressing the energy crisis.

The secret to saving money is to make it a priority, and that is done ONLY when you get some healthy anger or fear and then focus that emotion on your personal decisions.