Take a look at how real people put cost-cutting ideas into action and watch their savings add up. Collectively, Michele Harrison, Mike and Vjera Silbert and Stephanie Dunshee offer a combined total annual savings of $17,860.
More from Kiplinger.com:
• Easy Ways to Save More Money
• 10 Things We Overpay For
• What You Need to Know About Bargaining
Meet the Harrisons
They've put saving first and mended spendthrift ways. Their ideas add up to: Annual Savings of $5,200.
When her daughter McKenzie was born three years ago, Michele Harrison decided to reform her spendthrift ways and pay down about $6,000 in credit-card and auto-loan debt. "Saving was a new concept," says Harrison, 42, a single parent. "It was always: Spend everything once you have it. Every payday was a windfall."
Harrison, who lives in Maricopa, Ariz., where she is a data-center coordinator for Wells Fargo Bank, started saving by studying her budget. She found that dining out every day was gobbling up her income. Brown-bagging her lunch and eating dinner in saves her about $1,820 a year. And capping her grocery budget saves another $125 a month, on average.
Harrison's Costco membership got her a cheaper auto-insurance policy (with free roadside assistance). That cut her annual car expenses by about $300. Plus, she makes fewer driving trips, saving hundreds of dollars on gas. Harrison also dropped her $28-a-month land line and her $65-a-month cell phone, and she now uses her work cell phone exclusively. And she scaled back satellite-TV service.
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Now Harrison has a tough time parting with her hard-earned dollars. "I want to be debt-free," she says. "That's a legacy I want to pass on to my daughter." -- Stacy Rapacon
Meet the Silberts
They set out to save on everything from diapers to taxes. Their ideas add up to: Annual Savings of $10,000.
Lawyers Mike and Vjera Silbert of Philadelphia welcomed their third daughter in August. And although bringing a baby into the world can put stress on anyone's finances, the super-saving Silberts have managed just fine.
Since introducing Lola to big sisters Anya, 7, and Maya, 4, the Silberts have trimmed their budget, starting with food. The family eats out less often and cut $30 from its weekly grocery bill by using coupons and buying store-brand products, says Vjera, 36.
The Silberts save on formula, diapers and wipes by buying in bulk on Diapers.com. And they will save an impressive $2,300 in taxes this year by using a flexible spending account through Vjera's employer, Wolf Block LLP, to pay for child-care expenses.
But their biggest savings yet, says Mike, 39, was refinancing their 30-year fixed-rate mortgage. Slashing the interest rate from 6.125% to 4.75% put about $500 per month into the family budget. The Silberts also invested in a programmable thermostat to lower the heat while the family's out or asleep, cutting their heating bill by about $150 a year. -- Stacy Rapacon
Meet Ms. Dunshee
She created a budget that cut expenses by 10 to 20 percent. Her ideas add up to: Annual Savings of $2,660.
Stephanie Dunshee was always careful with money. But the 46-year-old pharmaceutical executive really began to focus on saving when layoffs became more common in her field. "I started cutting back about two years ago to see if I could live well on less," she says. "I could."
Dunshee drew up a budget of everything she buys, then tried to cut each expense by 10% to 20%. That exercise, she says, "really causes you to get creative."
Dunshee saved $460 per year by dropping her land line and using only her cell phone. She and her extended family saved $700 by consolidating their cell-phone bills with a family plan.
Coupons from grocery circulars and Web sites, such as Smart Source and Red Plum, cut Dunshee"s expenses by about $100 each month. She takes advantage of double- and triple-coupon offers, and tracks down coupon codes for online retailers. Using a credit card with rewards points saved her $200 on Christmas gifts. A programmable thermostat saved another $100.
The strategies have paid off in more than just savings. Dunshee took a severance package from her employer in October and is considering a career change. "My overall goal is to work at a job I really enjoy, even though it pays far less," she says. "Given my frugality and that I've saved and invested well, the recession isn't causing me the same kind of anxiety others are feeling." -- Kimberly Lankford
Thursday, April 2, 2009
Tuesday, March 31, 2009
Jobs that will never go away...
Choosing a career path can be challenging. Half of all college students change their majors at least once as they travel the sometimes bumpy road that will lead right degree. If you want to follow your dreams as well as provide for a certain future, take heart. As long as human beings continue to inhabit the planet, there are many worthwhile and fulfilling jobs that will never go away.
Accountant
As long as there are taxes, there will be a need for skilled accountants to work with clients, helping them keep their books in order. While accounting technology becomes more sophisticated, many accountants also assist clients with the technological aspects of record keeping and tax preparation. An online degree can prepare you for this field by providing accounting coursework and career training. Many assistant accountants begin with training and an associate's degree. Armed with a bachelor's degree in accounting, you could make an average annual salary of $63,180, according to the Bureau of Labor Statistics (BLS).
Computer Support Specialist
If you thrive on helping your friends and family solve their computer woes, consider becoming a computer support specialist. With computers playing such an important part of daily life, computer support specialists provide their clients much needed technical assistance. As a computer support specialist, you will meet with clients in person or answer questions remotely, via Internet, or on the phone. Many computer support specialists either have a bachelor's degree in computer science or an associate's degree in a computer-related program. In 2007, computer support specialists made an average annual salary of $45,300, according to the BLS.
Entrepreneur
To be an entrepreneur you need to be an independent, outgoing risk taker as you establish your own business or company. Although it may be hard to know whether a business will succeed, there will always be a need for a variety of goods and services and businesses to supply them. An online degree in business can help make your dreams a reality, as you earn your associate's or bachelor's degree. Although salaries can vary greatly with the self-employed, small business owners made an average annual wage of $36,000 to $75,095 in 2008, according to Pay Scale.
Mechanic
As anyone who commutes or runs to the store knows, we live in a nation of automobiles. If you know the make and model of every automobile that zips by and have an interest in what's under the hood, consider becoming an automotive service technician or mechanic. Automotive service technicians and mechanics diagnose problems with cars and light trucks and fix them. Mechanics need to be analytical, good problem solvers, and willing to work with computerized diagnostic tools and programs as well as traditional tools. You can also specialize in an area such as brakes or cooling systems. Online career training can get you started. Programs range from six months to two years. Mechanics made an average annual salary of $36,480 in 2007, according to the BLS.
Paramedic
Paramedics make life and death decisions, assessing injuries and providing emergency medical care. To be a paramedic you have to be agile, strong, and be willing to work under pressure. Although the hours can be long, many paramedics find great satisfaction in helping others. An EMT paramedic has usually taken courses in anatomy and physiology and completed a one-to-two-year program -- or the equivalent of an associate's degree. Basic and intermediate certification can get you started in this fast paced, much needed career. According to the BLS, paramedics earned an average of $30,870 annually in 2007.
Teacher
As long as human beings continue to have children, there will be a need for teachers. If you enjoy working with young children and want to teach, you can make $50,040 on average annually if you are an elementary school teacher, and $52,450 annually if you are a secondary teacher, according to the BLS. Elementary teachers have the pleasure of teaching all subjects. Secondary teachers also get to follow their bliss. By focusing on specific certification areas, secondary teachers specialize in the subjects they want to teach. Many online programs can get you started towards a bachelor's degree in education and certification.
Whatever your calling may be, with the right degree and career training, your career prospects for these much-needed jobs can help keep you from becoming outsourced or even worse, obsolete.
Accountant
As long as there are taxes, there will be a need for skilled accountants to work with clients, helping them keep their books in order. While accounting technology becomes more sophisticated, many accountants also assist clients with the technological aspects of record keeping and tax preparation. An online degree can prepare you for this field by providing accounting coursework and career training. Many assistant accountants begin with training and an associate's degree. Armed with a bachelor's degree in accounting, you could make an average annual salary of $63,180, according to the Bureau of Labor Statistics (BLS).
Computer Support Specialist
If you thrive on helping your friends and family solve their computer woes, consider becoming a computer support specialist. With computers playing such an important part of daily life, computer support specialists provide their clients much needed technical assistance. As a computer support specialist, you will meet with clients in person or answer questions remotely, via Internet, or on the phone. Many computer support specialists either have a bachelor's degree in computer science or an associate's degree in a computer-related program. In 2007, computer support specialists made an average annual salary of $45,300, according to the BLS.
Entrepreneur
To be an entrepreneur you need to be an independent, outgoing risk taker as you establish your own business or company. Although it may be hard to know whether a business will succeed, there will always be a need for a variety of goods and services and businesses to supply them. An online degree in business can help make your dreams a reality, as you earn your associate's or bachelor's degree. Although salaries can vary greatly with the self-employed, small business owners made an average annual wage of $36,000 to $75,095 in 2008, according to Pay Scale.
Mechanic
As anyone who commutes or runs to the store knows, we live in a nation of automobiles. If you know the make and model of every automobile that zips by and have an interest in what's under the hood, consider becoming an automotive service technician or mechanic. Automotive service technicians and mechanics diagnose problems with cars and light trucks and fix them. Mechanics need to be analytical, good problem solvers, and willing to work with computerized diagnostic tools and programs as well as traditional tools. You can also specialize in an area such as brakes or cooling systems. Online career training can get you started. Programs range from six months to two years. Mechanics made an average annual salary of $36,480 in 2007, according to the BLS.
Paramedic
Paramedics make life and death decisions, assessing injuries and providing emergency medical care. To be a paramedic you have to be agile, strong, and be willing to work under pressure. Although the hours can be long, many paramedics find great satisfaction in helping others. An EMT paramedic has usually taken courses in anatomy and physiology and completed a one-to-two-year program -- or the equivalent of an associate's degree. Basic and intermediate certification can get you started in this fast paced, much needed career. According to the BLS, paramedics earned an average of $30,870 annually in 2007.
Teacher
As long as human beings continue to have children, there will be a need for teachers. If you enjoy working with young children and want to teach, you can make $50,040 on average annually if you are an elementary school teacher, and $52,450 annually if you are a secondary teacher, according to the BLS. Elementary teachers have the pleasure of teaching all subjects. Secondary teachers also get to follow their bliss. By focusing on specific certification areas, secondary teachers specialize in the subjects they want to teach. Many online programs can get you started towards a bachelor's degree in education and certification.
Whatever your calling may be, with the right degree and career training, your career prospects for these much-needed jobs can help keep you from becoming outsourced or even worse, obsolete.
Thursday, March 26, 2009
Tuesday, March 24, 2009
How to fake clean your house
How to fake a clean house partner
by Real Simple Magazine
When you’re short on time, here’s how to give your living spaces the illusion of cleanliness.
The Living Room
Reserve one side of sofa cushions to be shown to guests. Before company arrives, flip over the cushions to reveal good-as-new fabric. When guests are gone, flip them back.
Rid the sofa of pet hair by wetting the fingertips of rubber gloves and gliding your hand over the sofa. The hair will stick to the rubber.
Stack books, catalogs, and magazines in neat piles on the floor or arrange them in a deep decorative basket.
To disguise windows in need of washing, pull curtain panels closed.
Fold a clean blanket neatly and drape it over a stained sofa. Strategically placed throw pillows can also camouflage soiled upholstery.
From Real Simple: Easy Steps for Cleaning the Bedroom
The Kitchen
When the dishwasher is full and the sink is overflowing, stow dirty dishes and silverware in a stockpot and pull them out later to be cleaned.
Cover up the lingering aroma of last night’s supper by boiling nutmeg, cloves, or cinnamon and orange peels in a sauce-pan on the stove.
Declutter the refrigerator by taking down notes, drawings, and magnets and throwing them in a plastic bag. Sort through it later.
Fold hand towels to hide stains. Two tips: Hang the clean side over the oven handle (with the stains in the back), or roll towels in neat spirals and stack them pyramid-style next to the sink.
The Bathroom
Glide a sticky lint roller over the bath mat to pick up hair.
Light a candle. Everything looks better (and cleaner) by candlelight.
Hang a fluffy bathrobe on top of damp towels dangling from the hooks on the back of the door.
Store a rattan or canvas basket on top of the toilet and throw in stray cosmetic brushes.
Hang fresh guest towels. The humidity in this room makes textiles look droopy, even after a recent machine washing.
Mound cosmetics and hairstyling products in a container underneath the sink. In a pinch, pile them in the tub and close the shower curtain. Cross your fingers that guests don’t snoop.
by Real Simple Magazine
When you’re short on time, here’s how to give your living spaces the illusion of cleanliness.
The Living Room
Reserve one side of sofa cushions to be shown to guests. Before company arrives, flip over the cushions to reveal good-as-new fabric. When guests are gone, flip them back.
Rid the sofa of pet hair by wetting the fingertips of rubber gloves and gliding your hand over the sofa. The hair will stick to the rubber.
Stack books, catalogs, and magazines in neat piles on the floor or arrange them in a deep decorative basket.
To disguise windows in need of washing, pull curtain panels closed.
Fold a clean blanket neatly and drape it over a stained sofa. Strategically placed throw pillows can also camouflage soiled upholstery.
From Real Simple: Easy Steps for Cleaning the Bedroom
The Kitchen
When the dishwasher is full and the sink is overflowing, stow dirty dishes and silverware in a stockpot and pull them out later to be cleaned.
Cover up the lingering aroma of last night’s supper by boiling nutmeg, cloves, or cinnamon and orange peels in a sauce-pan on the stove.
Declutter the refrigerator by taking down notes, drawings, and magnets and throwing them in a plastic bag. Sort through it later.
Fold hand towels to hide stains. Two tips: Hang the clean side over the oven handle (with the stains in the back), or roll towels in neat spirals and stack them pyramid-style next to the sink.
The Bathroom
Glide a sticky lint roller over the bath mat to pick up hair.
Light a candle. Everything looks better (and cleaner) by candlelight.
Hang a fluffy bathrobe on top of damp towels dangling from the hooks on the back of the door.
Store a rattan or canvas basket on top of the toilet and throw in stray cosmetic brushes.
Hang fresh guest towels. The humidity in this room makes textiles look droopy, even after a recent machine washing.
Mound cosmetics and hairstyling products in a container underneath the sink. In a pinch, pile them in the tub and close the shower curtain. Cross your fingers that guests don’t snoop.
100 Movies To See Before You Die
After having long conversations with Laura...We found out she hasn't seen some of the Classic movies. We have put together a list of Movies she needs to see. We selected films that we believe are the most thrilling, most dramatic, scariest, and funniest movies of all time. Some of these films you've seen, and some you may not have heard of, but we believe that each one is a timeless classic that you absolutely have to see.
The List
12 Angry Men (1957)
2001: A Space Odyssey (1968)
The 400 Blows (1959)
8 ½ (1963)
The African Queen (1952)
Alien (1979)
All About Eve (1950)
Annie Hall (1977)
Apocalypse Now (1979)
The Battle of Algiers (1967)
The Bicycle Thief (1948)
Blade Runner (1982)
Blazing Saddles (1974)
Blow Up (1966)
Blue Velvet (1986)
Bonnie and Clyde (1966)
Breathless (1966)
The Bridge on the River Kwai (1957)
Bringing Up Baby (1938)
Butch Cassidy and the Sundance Kid (1969)
Casablanca (1942)
Chinatown (1974)
Citizen Kane (1941)
Crouching Tiger, Hidden Dragon (2000)
Die Hard (1988)
Do the Right Thing (1989)
Double Indemnity (1944)
Dr. Strangelove or: How I Learned to Stop Worrying and Love the Bomb (1964)
Duck Soup (1933)
E.T. the Extra-Terrestrial (1982)
Enter the Dragon (1973)
The Exorcist (1973)
Fast Times At Ridgemont High (1982)
The French Connection (1971)
The Godfather (1972)\
The Godfather, Part II (1974)
Goldfinger (1964)
The Good, the Bad, and the Ugly (1968
Goodfellas (1990)
The Graduate (1967)
Grand Illusion (1938)
Groundhog Day (1993)
A Hard Day's Night (1964)
In the Mood For Love (2001)
It Happened One Night (1934)
It's a Wonderful Life (1946)
Jaws (1975)
King Kong (1934)
The Lady Eve (1941)
Lawrence of Arabia (1962)
The Lord of the Rings (2001,2002,2003)
M (1931)
M*A*S*H (1970)
The Maltese Falcon (1941)
The Matrix (1999)
Modern Times (1936)
Monty Python and the Holy Grail (1975)
National Lampoon's Animal House (1978)
Network (1976)
Nosferatu (1922)
On the Waterfront (1954)
One Flew Over the Cuckoo's Nest (1975)
Paths of Glory (1978)
Princess Mononoke (1999)
Psycho (1960)
Pulp Fiction (1994)
Raging Bull (1980)
Raiders of the Lost Ark (1981)
Raise the Red Lantern (1992)
Rashomon (1951)
Rear Window (1954)
Rebel Without a Cause (1955)
Rocky (1976)
Roman Holiday (1953)
Saving Private Ryan (1998)
Schindler's List (1993)
The Searchers (1956)
Seven Samurai (1954)
The Shawshank Redemption (1994)
The Silence of the Lambs (1994)
Singin' in the Rain (1952)
Snow White and the Seven Dwarfs (1937)
Some Like It Hot (1959)
The Sound of Music (1965)
Star Wars (1977)
Sunset Blvd. (1950)
Terminator 2: Judgment Day (1991)
The Third Man (1949)
This is Spinal Tap (1984)
Titanic (1997)
To Kill a Mockingbird (1949
Toy Story (1995)
The Usual Suspects (1995)|
Vertigo (1958)
When Harry Met Sally... (1989)
Wild Strawberries (1957)
Wings of Desire (1988)
The Wizard of Oz (1939)
Women on the Verge of a Nervous Breakdown (1988)
The List
12 Angry Men (1957)
2001: A Space Odyssey (1968)
The 400 Blows (1959)
8 ½ (1963)
The African Queen (1952)
Alien (1979)
All About Eve (1950)
Annie Hall (1977)
Apocalypse Now (1979)
The Battle of Algiers (1967)
The Bicycle Thief (1948)
Blade Runner (1982)
Blazing Saddles (1974)
Blow Up (1966)
Blue Velvet (1986)
Bonnie and Clyde (1966)
Breathless (1966)
The Bridge on the River Kwai (1957)
Bringing Up Baby (1938)
Butch Cassidy and the Sundance Kid (1969)
Casablanca (1942)
Chinatown (1974)
Citizen Kane (1941)
Crouching Tiger, Hidden Dragon (2000)
Die Hard (1988)
Do the Right Thing (1989)
Double Indemnity (1944)
Dr. Strangelove or: How I Learned to Stop Worrying and Love the Bomb (1964)
Duck Soup (1933)
E.T. the Extra-Terrestrial (1982)
Enter the Dragon (1973)
The Exorcist (1973)
Fast Times At Ridgemont High (1982)
The French Connection (1971)
The Godfather (1972)\
The Godfather, Part II (1974)
Goldfinger (1964)
The Good, the Bad, and the Ugly (1968
Goodfellas (1990)
The Graduate (1967)
Grand Illusion (1938)
Groundhog Day (1993)
A Hard Day's Night (1964)
In the Mood For Love (2001)
It Happened One Night (1934)
It's a Wonderful Life (1946)
Jaws (1975)
King Kong (1934)
The Lady Eve (1941)
Lawrence of Arabia (1962)
The Lord of the Rings (2001,2002,2003)
M (1931)
M*A*S*H (1970)
The Maltese Falcon (1941)
The Matrix (1999)
Modern Times (1936)
Monty Python and the Holy Grail (1975)
National Lampoon's Animal House (1978)
Network (1976)
Nosferatu (1922)
On the Waterfront (1954)
One Flew Over the Cuckoo's Nest (1975)
Paths of Glory (1978)
Princess Mononoke (1999)
Psycho (1960)
Pulp Fiction (1994)
Raging Bull (1980)
Raiders of the Lost Ark (1981)
Raise the Red Lantern (1992)
Rashomon (1951)
Rear Window (1954)
Rebel Without a Cause (1955)
Rocky (1976)
Roman Holiday (1953)
Saving Private Ryan (1998)
Schindler's List (1993)
The Searchers (1956)
Seven Samurai (1954)
The Shawshank Redemption (1994)
The Silence of the Lambs (1994)
Singin' in the Rain (1952)
Snow White and the Seven Dwarfs (1937)
Some Like It Hot (1959)
The Sound of Music (1965)
Star Wars (1977)
Sunset Blvd. (1950)
Terminator 2: Judgment Day (1991)
The Third Man (1949)
This is Spinal Tap (1984)
Titanic (1997)
To Kill a Mockingbird (1949
Toy Story (1995)
The Usual Suspects (1995)|
Vertigo (1958)
When Harry Met Sally... (1989)
Wild Strawberries (1957)
Wings of Desire (1988)
The Wizard of Oz (1939)
Women on the Verge of a Nervous Breakdown (1988)
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