I just fell into this site and was pretty impressed with the abundance of numbers Hustler Money Blog has provided. Want a free $250? Open a Chase Freedom card and spend $500 dollars on it in 3 months. Best balance transfer offers? Bank bonuses for opening account are listed in order from most to least. Have a few extra dollars to put into an easy access savings account? Check out which ones give you the highest APR. The list goes on, check out the Hustler Money Blog and find some ways to stretch your money. 

1) Burn a candle at dinner. Why use electricity? This is also more romantic and calming.

2) Use Natural sunlight. Why turn on a light if a window will give you just as much light.

3) Keep laundry at a minimum. Wear that shirt or pair of jeans a second time if they are still clean.

4) Wear your clothes more than once. If it doesn't smell or look dirty than it can be worn again.

5) Air dry your clothes outside. Fresh smell and big money savings.

6) Use energy efficient light bulbs. 3 energy star bulbs use the same amount of electricity as one conventional bulb.

7) Keep any water use to a minimum: some think water just falls out of the sky, silly people. Well they are right, however its not always free since you use fuel or electricity to pump it to the faucet.

8) Use Programmable  thermostats. This will let you keep and maintain a steady temperature.

9) Take a quick shower. The longer you are in the harder your hot water heater is running or the more oil you are using.

10) Keep a full freezer and refrigerator. The more packed you keep it the less energy it takes to keep everything cool as the food will maintain the coolness.

11) Only use half a napkin.  If you are given less you will use less!
 
12) Drop your home phone service. If you get service at home, why do you need a land line?      

Submitting Frugal Author: Alicia Rainville
Everywhere we go we see and hear about the importance of “going green”. There are green bags for sale at almost every retail store, a wide variety of energy efficient electronics, earth-friendly cleaning products, hybrid cars, wind power testing and implementation, newspapers printing on recycled paper with natural ink, and a significant increase of items are being made out of recycled materials – from food packaging to house-building materials. This is all a wonderful thing to see. But have you tried saving money going green?

Here are some very simple tips on how to be a "Greener" AND save $$$:


  •  Use a water bottle instead of buying water in plastic. A plastic bottle of water can cost you about $1.50 a day or $390 a year! You can purchase purification filtered bottles if you are concerned about taste or quality.
  • Skip the morning “coffee run” - this cuts back on waste and saves you $500 or more annually!
  • Shut your computer monitors off when you shut your PC down. At home it costs about $88 per year to leave your monitor running 24 hours per day. Shutting it off will cut that by at least 40%
  • Buy those green bags - use them at the mall, for groceries, going to the beach, bringing in lunch, or anytime you need to put things in a bag for transporting. 
  • Donate your old electronics – this will save both waste and disposal fees
  • Re-use empty plastic containers of Cool-whip, sandwich meat, etc. These are great for storing leftovers and cuts back on using plastic wraps, bags, and foil. You can also wash and re-use freezer bags.
  • Bows, ribbons, gift bags, cards and quality wrapping paper can all be re-used. I often cut out the pictures on cards, punch a hole in it, and use it as a gift tag. Another option is to give a gift in a re-usable bag – it’s a gift in a gift!
  • Get a travel mug – more and more places are offering discounts for using your own mug and this reduces your carbon footprint. Ask your local coffee shop if they offer a discount, as some places take up to 15 cents off.
  • Use electric outdoor tools (ie – leaf blowers) and a push mower. This cuts down on cost of gas and exhaust emissions. You’d be surprised at how far push mowers have come!
  • Subscribe to the “e-dition” of newspapers instead of getting home delivery
  • Compost food scraps for your home gardening instead of buying fertilizer – the fertilizers often have chemicals in them which can be harmful to pets. This also cuts back on the toxic breakdown that occurs in trash bags.
  • Get creative with meat leftovers – makes stews, sandwiches, wraps, reheat it in a pan with new spices, put in sauce, or grind it into dog food (your pup will LOVE that!)

Passionate about saving money and living Green? Submit your article and ideas to LetsBeFrugal@Gmail.com 

    At the end of your Turbo Tax refund you have the option of deducting your Turbo Tax charge direclty from your expected tax return amount. Using this option will result in a charge of a $29.95 Processing Fee. The fee is charged for processing and paid to University National Bank of Saint Paul, MN. Really, this option is only for those who do not have a credit card. Not explained well by Turbo Tax it seems like you have no other way to avoid this fee and when you have thousands of dollars to be returned to you than likely you will just accept and move along.

    To simply avoid this fee use your credit card to pay for your Turbo Tax Return.  Charging your credit card or using the deduction method processing fee has no bearing on the time frame your tax return is filed or paid to you. Don't give up another $30 dollars for this feature, if you have a credit card I recommend using it.

    Turbo Tax is a very user friendly easy to use Tax return site. Guaranteed 100% reviews and 350 tax deductions at your finger tips make this a number one choice to handle your taxes. 

    For complete information please read:

    http://turbotax.intuit.com/support/iq/Tax-Refund/Using-Refund-Transfer-or-Refund-Processing-Services-to-Pay-TurboTax-Fees/GEN12098.html

    Boost my own Economy Checklist.


    From now on I will not: 

    1.Drink
    2.Smoke
    3.Gamble
    4.Drive a gas guzzler
    5.Dine out
    6.Go to movies


    7.Buy extended cable                                                                  
    8.Buy name brands
    9.Go out to clubs
    10.Speed
    11.Buy news papers or magazines
    12.Wash clothes in hot water



    What I will do from now on is: 
    1.Drive a car that gets at least 20 mpg
    2.Dine in
    3.Check out free movies and music at the library
    4.Get basic cable for 20 bucks
    5.Buy generic when it is good.
    6.Drive the speed limit
    7.Go to the museum
    8.Go to the free concerts
    9.Go to art shows, also free
    10.Take a hike
    11.Go fishing
    12.Go camping
    13.Go canoeing
    14.Wash my clothes in cold water
    15.Go to the park for a walk and a picnic
    16.Fly a kite

    Please share what your plans are for boosting your economy.
    Still spend money but now It just goes further and gets spread around and to even more people thus stimulating the economy.

    Why does Comcast keeps their economy cable internet offer quiet? Because 8 of 10 customers are over paying for high speed internet every month. You could be saving $30 a month on internet right now. The economy option is cheaper and fast enough for your needs.
    The Economy package doesn't limit your internet usage or what sites you can visit but rather just lowers your internet speed. Priced at only 19.95 per month (not a promo rate) it is a frugal way to have high speed internet and save money! Don't pay $60 a month for Comcast's high speed internet if your not really putting it to use. Keep the money in your wallet and out of corporate Americas pocket. If you must have the need to stream video and Live TV the Economy may not be for you unless money savings is more important. 
    Moreover for the average user the change is not noticed from 12mbps to 1mbps for normal internet usage.   Regularly used applications like Face book, G-mail and Google are all as fast as before but you will notice a longer time with downloading and up loading, minutes difference, not hours . For $30 a month savings I can wait an extra minute or two for a download. Call Comcast now and make the change, if it's not for you than go back to super high speed that is just a phone call away.  8 of 10 internet users are overpaying for internet speed that is unnecessary. Don't be one of them.

    When keeping a frugal mind around your home expect big savings in lots of small places.

    Keep use of electricity to a minimum:


    Before bed unplug all unused electrical items from the wall, why? Even though your TV may not be on the power is still coming from the wall running to your TV. Cut this electricity off at the wall and save it from running all the way to your TV and other unused equipment.

    Use Natural sunlight, why turn on a light if a window will give you just as much light.

    Keep laundry at a minimum. Wear that shirt or pair of jeans a second time if they are still clean. If it doesn't smell than it can be worn again.

    Air dry your clothes outside.

    A gross saying that I don't follow is "if its yellow let it mellow, if it's brown flush it down" take this for what it's worth.

    Use energy efficient light bulbs.
    Keep any water use to a minimum: some think water just falls out of the sky, silly people. Well they are right, however its not always free since you use fuel or electricity to pump it to the faucet.

    Electrical thermostats will let you keep and maintain a steady temperature.

    Take a quick shower: the longer you are in the harder your hot water heater is running or the more oil you are using.

    Keep a full freezer and refrigerator: The more packed you keep it the less energy it takes to keep everything cool as the food will maintain the coolness.

    A family trait ** Only use half a napkin ** If you are given less you will use less!

    Don't use the dishwasher: take a few moments and fill the sink with warm water and clean them yourself.

    Why have a land line and a cell phone? If you get reception at home than cut off your phone service.

    Wireless internet? see if you can pull off a neighbors signal for free! This is not stealing if the source is open.

    Paying over $100 a month for cable: why? Use an antenna and get the free local channels.
    Insulate your hot water tank with a insulator wrap.

    Insulate your water pipes.

    Using old appliances that are not energy savers can keep high energy cost coming in.

    Play board games not video games.

    Burn a candle at dinner, why use electricity? This is also more romantic and calming.

    Keep your shoes off in the house, this will create less time spent cleaning and vacuuming.

    Wear sandals during nice weather. Not needing socks saves on laundry.

    Use a window fan and not an A/C. Ac's use quit a bit of electricity and are expensive.

    Buy meats in bulk and vacuum seal portions. This keeps a full freezer and lots less trips to buy meat. Lower cost per pound when you buy in bulk!



    For cold months:

    Better windows during cold months will keep your heat bill lower.

    During those cold months keep and maintain a temperature that is comfortable and not over 75 degrees.
    Dress in layers while home.

    Keep the heat colder while sleeping, most people sleep better while cooler than more warm.

    Burn natural wood.

    Alternative heating is now very popular, look into pellet stoves.


    I hope this list saves lots of your money and time. Please feel free to add a money saving idea that you use.