Auction Power Guide

I am beyond in debt my credit score is 441 I do not want to use one of those check cashing places. is there any company out there that would give me a loan? The credit cards I have now, I pay on time but I think the damage is done.

With a credit score of 441, NO ONE is going to loan you any money (save a loan shark)

but not to worry it just means that you have to either earn more or spend less…..

If you cannot get another job or have a garage sale or sell things on ebay
you can cut your expenses…..get rid of cable or at least all of the pay channels

turn down the water heater settings
wear more clothing to bed so that you can have the house cooler in the winter
make a list for the grocery store and buy food for the week
take your lunch to work
on the weekends, entertain at your house
rent movies from the library
read the paper and find a few free or cost things to entertain you on the weekends

Give blood (plasma) by finding the donation place in your phone book….most of the winos and school kids go there so plan the hour accordingly…. if you go once per week you can make $150 a month and you can use that entire amount to pay down your debt….

Decline ALL wedding invitations unless it is immediate family
for birthdays, give the gift of your time (spend the day with the person, make dinner, run errands etc)
Dont be embarrassed to tell your loved ones what is going on so that they can help. Most have been there (with a tight budget) and will help you stay on track by finding lower cost alternatives for fun…
But most importantly, figure out how you got into this mess….
did you spend money that you did not have thinking you would pay it back later, did you try to impress a girl, do you impluse shop? until you figure out honestly how you got there, you will repeat this situation again
also
YOU MUST STOP using the cards TODAY

The sales have certainly declined in the past few weeks. This past week was my worst ever. I never had a problem with declining sales bfore, no matter the season. I suppose what people once spent on eBay, they’re now using in their gas tanks and atthe grocery store. I’ve also had more non-paying buyers in the last month than I’ve had in the past 5 years…

I’m trying to save some money and lower my monthly bills. What are some good tips to do so? I keep the air very low. I keep lights off if not needed. I take quick showers. I buy groceries at Aldi. I drive slow to conserve gas. What else can I do? I have a lot of student and credit card debt and want to work my way out…

Make a plan see where your money is going to…cut out the extras.

Pay yourself first out of your paycheck. Then work on tackling those bills.

Thought about picking up a part-time job?
You could Ebay or sell items on Craig’s List. Maybe babysitting, garage sale, recycling. How about couponing?

http://coupons.smartsource.com//index.as…

The above is a great source for printable coupons. Next continue to buy Sunday’s paper for another source of manuf. coupons.

Some stores like Walgreens, Rite Aid, Target will take their store coupon and a manuf. coupon.

Know that sometimes you can buy groceries at the above store.

Get to know your grocery store coupon policies…do they double coupons? Buy groceries on sale with your coupons.

www.mycoupons.com Click on Shopping boards, Click on Tips of the Trade (TOT) you’ll find postings from women who spend very little out of pocket for groceries.

Sometimes you can go to the company of a product you want to purchase and see if there are printable coupons on that site.

Other sites you might want to view are:
slickdealz.net
www.fishingfordeals.com
http://www.grocerysavingtips.com
www.afullcup.com (usually you’ll find Target coupons on here)

How about joining www.mypoints.com? You can earn "money" by turning in your points onto gift cards. You sign up and receive emails which are worth about 5 pts each.

There are lots of ways to save money, and any method you can add to your money-saving toolbox will help you better achieve your financial goals. Whether it’s putting more money towards retirement, a college fund, a down payment on a home or automobile or that vacation you’ve been dreaming about, reaching your financial goals requires that you make wise financial choices. In other words, reaching financial goals requires you to be frugal.

As humans, we need to eat and grocery shopping typically occupies a big chunk of our budget. This is even truer for larger families or families with special dietary needs. However, you can significantly reduce your grocery bill by employing five basic rules to your grocery shopping tasks:

1. Always shop with a list

2. Plan your meals

3. Buy store brands or generics when available

4. Use the store’s loyalty card

5. Use coupons for additional savings

Always shop with a list

Shopping with a list is vital. While we allocate a certain amount for groceries each week in our monthly budgets (you do budget, don’t you?), we should further regulate food spending by always using a list during our grocery store excursions. A grocery shopping list is a natural extension of the monthly budget. This list is your grocery spending plan just as your budget is your overall household spending plan. It helps you see where you can cut costs, helps you stay on track with your financial goals and helps to curb costly impulse buying.

Plan your meals

A good grocery list will follow a weekly menu plan. Buy items that you can reuse in different dishes and work with your family so everyone agrees on the meals of the week. Schedule dinner so that everyone eats together and make it a habit to save leftovers that will make delicious weekend lunches. Developing your grocery list around a meal plan will also help you avoid dining out, which can be unhealthy as well as expensive.

Buy store brands or generics and use the store’s loyalty card

Buying grocery store brand products will save you money — lots of money. Industry sales research cited by the Private Label Manufacturers Association (PLMA) shows that American shoppers save about $15.8 billion annually by choosing store brands over name brands. To test this theory, your trusty writer ventured into a local grocery store with pen and legal pad, walked the various isles and documented actual price differences for 20 common grocery items: aspirin, acetametaphin, ibuprofen, green beans, sweet corn, ketchup, mayonnaise, mixed fruit, sugar, condensed milk, cornflakes, raisin bran, facial tissue, whipped cream, ice cream, chocolate milk, graham crackers, cream cheese, eggs and peanut butter.

Including savings from using the store’s loyalty card (another must-have money-saving tool), I calculated a savings of between 13 and 68 percent with an average 42 percent savings. If I purchased all items from name brand manufacturers, I would have paid $74.41. Foregoing the lure of buying brand name items, the total came to $43.45 – a $30.96 savings for 20 items (an average of over $1.50 per item) just for buying store brands and using my store loyalty card.

The difference in prices is what the PLMA calls the “marketing tax” which you pay so name brand manufacturers can promote their products through advertising and other means. However, many store brand items are produced by the same manufacturers that make competing name brand items. You can save a lot of money by choosing to not pay this “marketing tax” and keep that money where it belongs – in your pocket!

Use coupons for additional savings

In addition to store brand and loyalty card savings, you should make the most of your grocery shopping dollars by cutting, organizing and using coupons (check your Sunday newspaper). Coupons are a marketing gimmick, so don’t buy items you do not need just so you can save a little on the purchase. In reality, that’s a waste of money. Use coupons to save money on items you need and use. Try a different brand if a coupon from that competitor can save you money – even if it’s only a few cents because every penny adds up at the checkout counter. Cut and organize coupons on the same day you plan your next week’s meal menu so you can maximize your savings by planning dishes around coupons.

Don’t limit your coupon clipping to your Sunday newspaper. Try coupon websites, like CoolSavings.com. One website, CouponBar.com, even offers a toolbar you can add to your web browser. You can even find people selling sets of coupons on eBay.com.

While it may seem like a lot of planning, the savings add up. Depending on your current grocery shopping habits, you may be able to cut your weekly grocery bill in half – or even more! The key to this strategy, as with any budgeting strategy, is to develop your plan and then stick to it. Once these five frugal habits become a part of your routine, you’ll thank yourself for all the initial efforts you made to develop these valuable money-saving skills.

John Janney
http://www.articlesbase.com/finance-articles/5-rules-for-saving-money-at-the-grocery-store-114030.html

Lately. we all tend to hear conversations around the water cooler at work, on televisions while pumping gas, or from shoppers at the grocery store that all talk about how we’re currently in a recession. The slowing of our economy is very real and effects everything in our daily lives, but is it a little misleading to over-generalize and say that we’re all in a recession and are doomed?

Well, when it comes to making a living and earning money, I think it depends on how you look at things. As unemployment rates continue to rise, gas prices soar into the stratosphere, and home values drop like crazy it’s easy for us to be depressed about our countries’ current state and feel like we’re trapped. For the lucky rich of the nation, they are hardly bothered by all of this and have found new ways to continue making money that are actually thriving and growing year after year.

So, what’s this resource that is largely untapped by the general population? Ecommerce! This secret recession killer isn’t anything new, you’ve used it yourself, and know tons of people who’ve done the same. The Entrepreneurs and independent research firms of the country have tracked eCommerce results for numerous years now and have shown a huge increase in money being exchanged for tangible or information products on the Internet. Not only that, but sales over the Internet are expected to keep growing at stunning rates for years to come.

It makes sense why eCommerce is continuing to explode on our online world. Confidence in our malls and stores is lower because of the extra costs we incur at the gas pump and time it takes away from our busy lives. The world is a hectic place and most of us are tired of dealing with annoying sales messages or salespeople all vying for our attention. Nowadays, the consumer has more power and control than ever when researching a product and doesn’t even have to leave home to do it.

This is why there’s so many opportunities online. There are countless product sourcing websites out there to find things to sell on eBay or your own storefront and are quite easy to setup. In addition, you can find products that are made by other people and can sell them through what’s known as affiliate links. Everyone has some form of information they’re an expert on and, in that case, you can greatly benefit by writing your own eBook.

Don’t think that just because talks of the recession are all over the news and pop up everywhere in our daily lives, that there aren’t ways to become a part of the rich few who understand the online world of commerce. If you get out there and do some research, you too can join the club of entrepreneurs working for themselves.

Jeff Przybylski

Lately. we all tend to hear conversations around the water cooler at work, on televisions while pumping gas, or from shoppers at the grocery store that all talk about how we’re currently in a recession. The slowing of our economy is very real and effects everything in our daily lives, but is it a little misleading to over-generalize and say that we’re all in a recession and are doomed?

Well, when it comes to making a living and earning money, I think it depends on how you look at things. As unemployment rates continue to rise, gas prices soar into the stratosphere, and home values drop like crazy it’s easy for us to be depressed about our countries’ current state and feel like we’re trapped. For the lucky rich of the nation, they are hardly bothered by all of this and have found new ways to continue making money that are actually thriving and growing year after year.

So, what’s this resource that is largely untapped by the general population? Ecommerce! This secret recession killer isn’t anything new, you’ve used it yourself, and know tons of people who’ve done the same. The Entrepreneurs and independent research firms of the country have tracked eCommerce results for numerous years now and have shown a huge increase in money being exchanged for tangible or information products on the Internet. Not only that, but sales over the Internet are expected to keep growing at stunning rates for years to come.

It makes sense why eCommerce is continuing to explode on our online world. Confidence in our malls and stores is lower because of the extra costs we incur at the gas pump and time it takes away from our busy lives. The world is a hectic place and most of us are tired of dealing with annoying sales messages or salespeople all vying for our attention. Nowadays, the consumer has more power and control than ever when researching a product and doesn’t even have to leave home to do it.

This is why there’s so many opportunities online. There are countless product sourcing websites out there to find things to sell on eBay or your own storefront and are quite easy to setup. In addition, you can find products that are made by other people and can sell them through what’s known as affiliate links. Everyone has some form of information they’re an expert on and, in that case, you can greatly benefit by writing your own eBook.

Don’t think that just because talks of the recession are all over the news and pop up everywhere in our daily lives, that there aren’t ways to become a part of the rich few who understand the online world of commerce. If you get out there and do some research, you too can join the club of entrepreneurs working for themselves.

Jeff Przybylski

Lately. we all tend to hear conversations around the water cooler at work, on televisions while pumping gas, or from shoppers at the grocery store that all talk about how we’re currently in a recession. The slowing of our economy is very real and effects everything in our daily lives, but is it a little misleading to over-generalize and say that we’re all in a recession and are doomed?

Well, when it comes to making a living and earning money, I think it depends on how you look at things. As unemployment rates continue to rise, gas prices soar into the stratosphere, and home values drop like crazy it’s easy for us to be depressed about our countries’ current state and feel like we’re trapped. For the lucky rich of the nation, they are hardly bothered by all of this and have found new ways to continue making money that are actually thriving and growing year after year.

So, what’s this resource that is largely untapped by the general population? Ecommerce! This secret recession killer isn’t anything new, you’ve used it yourself, and know tons of people who’ve done the same. The Entrepreneurs and independent research firms of the country have tracked eCommerce results for numerous years now and have shown a huge increase in money being exchanged for tangible or information products on the Internet. Not only that, but sales over the Internet are expected to keep growing at stunning rates for years to come.

It makes sense why eCommerce is continuing to explode on our online world. Confidence in our malls and stores is lower because of the extra costs we incur at the gas pump and time it takes away from our busy lives. The world is a hectic place and most of us are tired of dealing with annoying sales messages or salespeople all vying for our attention. Nowadays, the consumer has more power and control than ever when researching a product and doesn’t even have to leave home to do it.

This is why there’s so many opportunities online. There are countless product sourcing websites out there to find things to sell on eBay or your own storefront and are quite easy to setup. In addition, you can find products that are made by other people and can sell them through what’s known as affiliate links. Everyone has some form of information they’re an expert on and, in that case, you can greatly benefit by writing your own eBook.

Don’t think that just because talks of the recession are all over the news and pop up everywhere in our daily lives, that there aren’t ways to become a part of the rich few who understand the online world of commerce. If you get out there and do some research, you too can join the club of entrepreneurs working for themselves.

Jeff Przybylski