There are many other uses for vodka. Here's one that can reduce energy and water!
Use a spritz or two of vodka to freshen up clothes in between laundry loads. You can reduce the amount of laundry you end up doing, saving time, energy, water and cleaning chemicals.
We all need clean clothes, but actually doing the laundry uses a lot of resources and cuts into our free time. Many times, an item worn once doesn't really need a full washing. So instead of lugging it to a laundromat or down to your basement machines, spritz your duds with a little vodka, then hang to dry in a well-ventilated area. (Do a spot-test first to be safe.)
Vodka kills odor-causing bacteria, but doesn't leave a scent when dry.
6.16.2010
Weekly Credit Series: Cuting expenses and increasing income
Here are a few ideas for cutting expenses:
-Buy only things you really need.
-make a shopping list BEFORE you go to the store and stick to it. Pay with cash! This will ensure that you will not go over.
-Eat at Home, take your lunch to work and scour restaurants for "kids eat free" and "half off coupons".
-look for sales and off-season bargains.
-Always compare prices and amount of food if it's groceries you are comparing. It may be cheaper but it has 5 oz. less than the other!
-Share driving and use public transportation.
-Buy a used car preferabley with cash.
-Shop at thrift stores, garage sales and flea markets.
-Discontinue services you don't really need, cable tv, internet (can use library's), cell phone and pager.
-Avoid cash checking stores, pawnshop loans, and rent-to-own stores. They have incredibly high interest charges.
Tips to increase your Income
-Get a part time job.
-Work overtime hours at your current job.
-Sell items that you make or no longer need at flea markets and garage sales.
There are possibly hundreds more ways to make more and spend less. It really just depends on your lifestyle but if you are able to use some of these tips , it will get you and your budget going in the right direction.
-Buy only things you really need.
-make a shopping list BEFORE you go to the store and stick to it. Pay with cash! This will ensure that you will not go over.
-Eat at Home, take your lunch to work and scour restaurants for "kids eat free" and "half off coupons".
-look for sales and off-season bargains.
-Always compare prices and amount of food if it's groceries you are comparing. It may be cheaper but it has 5 oz. less than the other!
-Share driving and use public transportation.
-Buy a used car preferabley with cash.
-Shop at thrift stores, garage sales and flea markets.
-Discontinue services you don't really need, cable tv, internet (can use library's), cell phone and pager.
-Avoid cash checking stores, pawnshop loans, and rent-to-own stores. They have incredibly high interest charges.
Tips to increase your Income
-Get a part time job.
-Work overtime hours at your current job.
-Sell items that you make or no longer need at flea markets and garage sales.
There are possibly hundreds more ways to make more and spend less. It really just depends on your lifestyle but if you are able to use some of these tips , it will get you and your budget going in the right direction.
6.09.2010
Weekly Credit Series:Budgeting
So you may ask ," How can a budget improve my credit?" Well, there are many ways. Think of a budget as a financial plan or a spending plan. It helps YOU, not someone else, plan how and where you will spend your money. And most importantly, how you will save it. Another plus for having a budget is when you are applying for a mortgage loan you can show the lender how much income you have and what your expenses are.
Here are the basic 4 steps to creating a budget.
1. List your income.
2. List your expenses.
3. Compare income and expenses.
4. Set Priorities and make changes so that your income will be greater than your expenses.
It sounds easy but step 4 can be a doozy! This is the step that will take the most time and research. Let's say you don't want to get rid of a few pricey items. You may want to consider researching some cheaper options.
For a budget to work , it MUST be accurate. A safe way to do that is to save a month's worth of expenses and bills. This will give you a better understanding of how you are spending your money.
Another great tool is the online FREE budgeting tool at
http://www.mint.com/
This site hooks up to your banking and will e-mail if your exceed your budget. It's an excellent way to keep track of things!
The most important thing I would say to do is to START! Until you start a budget it will be impossible to track your spending and get your credit back under control or to keep it right where it is.
Here are the basic 4 steps to creating a budget.
1. List your income.
2. List your expenses.
3. Compare income and expenses.
4. Set Priorities and make changes so that your income will be greater than your expenses.
It sounds easy but step 4 can be a doozy! This is the step that will take the most time and research. Let's say you don't want to get rid of a few pricey items. You may want to consider researching some cheaper options.
For a budget to work , it MUST be accurate. A safe way to do that is to save a month's worth of expenses and bills. This will give you a better understanding of how you are spending your money.
Another great tool is the online FREE budgeting tool at
http://www.mint.com/
This site hooks up to your banking and will e-mail if your exceed your budget. It's an excellent way to keep track of things!
The most important thing I would say to do is to START! Until you start a budget it will be impossible to track your spending and get your credit back under control or to keep it right where it is.
6.07.2010
Reunited and it feels so good!
Our Internet and phone lines have been down for a week and a half and BOY does it feel good to be back!
And with so much going on!
This Saturday I will have a table at the Riverside Arts Market. I will be promoting our first ever golf tournament that will be coming this October. Then on Monday , along with RAP we will be hosting our second organizational meeting for the R-2 Section of the RAP Assisted Neighborhood Watch. This will be at the firefighters hall at 2519 phyllis street. If any of you may be interested in attending , feel free to contact Melody at 904.381.0950 or emial riversidenwr2@gmail.com.
And with so much going on!
This Saturday I will have a table at the Riverside Arts Market. I will be promoting our first ever golf tournament that will be coming this October. Then on Monday , along with RAP we will be hosting our second organizational meeting for the R-2 Section of the RAP Assisted Neighborhood Watch. This will be at the firefighters hall at 2519 phyllis street. If any of you may be interested in attending , feel free to contact Melody at 904.381.0950 or emial riversidenwr2@gmail.com.
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