﻿<?xml version="1.0" encoding="utf-8"?><rss xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:dc="http://purl.org/dc/elements/1.1/" version="2.0"><channel><ttl>60</ttl><title>ACFBLOG.HOMEECONOMISER.COM</title><link>http://acfblog.homeeconomiser.com</link><lastBuildDate>Thu, 11 Mar 2010 04:21:55 GMT</lastBuildDate><pubDate>Thu, 11 Mar 2010 04:21:55 GMT</pubDate><language>en</language><copyright>2009</copyright><itunes:subtitle>Steve &amp;amp; Annette on getting more for less</itunes:subtitle><itunes:author /><itunes:summary>Steve and Annette Economides - Authors of the New York Times Best Seller "America's Cheapest Family Gets You Right On The Money," share how they live life better for less — and how you can too!</itunes:summary><description>Steve and Annette Economides - Authors of the New York Times Best Seller "America's Cheapest Family Gets You Right On The Money," share how they live life better for less — and how you can too!</description><itunes:owner><itunes:name /><itunes:email>Ideas@homeeconomiser.com</itunes:email></itunes:owner><itunes:image href="http://images.quickblogcast.com/3/8/6/0/4/150014-140683/DefaultImage/SteveAnnetteFramedSmall.gif" /><itunes:explicit>no</itunes:explicit><itunes:category text="Business"><itunes:category text="Shopping" /></itunes:category><item><title>The New AmericasCheapestFamily.com</title><link>http://acfblog.homeeconomiser.com/2010/01/22/the-new-americascheapestfamilycom.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;p&gt;We have been working like crazy for the past four months to get our new web site up. We migrated it to it's final location earlier this week to get
the bugs out. Our official launch date is Thursday, January 28. If you
are a HomeEconomiser Newsletter subscriber, you will be receiving your
email instructions next week. &lt;/p&gt;&lt;p&gt;&lt;font&gt;&amp;nbsp;C&lt;a href="http://www.americascheapestfamily.com"&gt;lick here and take a look around&lt;/a&gt;&lt;/font&gt;. We are in the midst of putting up more content and de-bugging
the site. So if you find a dead link or something else doesn't work,
please contact us. &lt;/p&gt;&lt;p&gt;2010 is going to be a great year for bargain hunters — let's start saving money now!&lt;/p&gt;&lt;p&gt;S&amp;amp;A&lt;/p&gt;</description><category>Steve and Annette Economides</category><category>Economides Family</category><comments>http://acfblog.homeeconomiser.com/2010/01/22/the-new-americascheapestfamilycom.aspx#Comments</comments><guid isPermaLink="false">9900ca94-e30c-4654-82f3-5ea12a604332</guid><pubDate>Fri, 22 Jan 2010 22:33:00 GMT</pubDate></item><item><title>Thanksgiving on a budget</title><link>http://acfblog.homeeconomiser.com/2009/11/23/thanksgiving-on-a-budget.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:
Arial;mso-bidi-font-family:Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:
Arial;mso-bidi-font-family:Arial"&gt; Help! We’ve been married 4 years and this
will be the first time I’m hosting Thanksgiving. We’ve got relatives coming
from out of town. I’m panicked over the cost!&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;span style="font-family:
Arial;mso-bidi-font-family:Arial"&gt;&lt;strong&gt;Answer:&lt;/strong&gt; Don’t panic — Thanksgiving
dinner is one of the least expensive meals to prepare because everything is on
sale the week before. Frozen turkeys will be around 40 cents per pound, so a
20-pound bird will cost only $8. And you’ll even have some leftovers for turkey
sandwiches and other meals. Keep your eyes open and you’ll find bargain prices
on potatoes, yams, cranberry sauce, green beans and all the fixin’s.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px;"&gt;This year the grocery stores are fighting for market share and dropping prices like crazy. In the past week, we've seen frozen Turkey prices drop from a high of 47 cents a pound all the way down to 29 cents! It's time to fill your freezer full of inexpensive birds!&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px;"&gt;Have a great Thanksgiving!!!!&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><comments>http://acfblog.homeeconomiser.com/2009/11/23/thanksgiving-on-a-budget.aspx#Comments</comments><guid isPermaLink="false">fc79581a-c6de-46cd-8fff-214a2555c881</guid><pubDate>Tue, 24 Nov 2009 00:16:00 GMT</pubDate></item><item><title>Wal-mart and Black Friday</title><link>http://acfblog.homeeconomiser.com/2009/11/23/walmart-and-black-friday.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;strong&gt;This is big money saving news&lt;/strong&gt;.&amp;nbsp;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;We were just waking up this morning and heard a commercial stating that Walmart is expanding their nationwide price match policy to include any and all Black Friday deals. This could mean avoiding huge lines of bargain shoppers and being able to do a lot of shopping at one store.&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;We've used price match on groceries lots of times, but seldom on other merchandise.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Make your list, grab the competitors ads and head to the stores! This could be really good!&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-family: Arial, Helvetica, sans-serif; line-height: 19px; "&gt;Here's what Walmart's web site says:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;font face="Arial, Helvetica, sans-serif"&gt;&lt;span style="line-height: 19px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;font face="Arial, Helvetica, sans-serif"&gt;&lt;span style="line-height: 19px;"&gt;&lt;font&gt;&lt;a href="http://walmartstores.com/FactsNews/NewsRoom/8818.aspx" target="_blank"&gt;http://walmartstores.com/FactsNews/NewsRoom/8818.aspx&lt;/a&gt;&lt;/font&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;span style="font-family: Arial, Helvetica, sans-serif; color: rgb(102, 102, 102); line-height: 16px; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "&gt;&lt;h1 style="color: rgb(0, 51, 153); font-weight: bold; font-size: 1.6em; line-height: 1.2em; margin-top: 0px; "&gt;Walmart Confirms Three Days of Black Friday Savings&lt;/h1&gt;&lt;p style="margin-top: 0px; text-align: center; "&gt;&lt;em&gt;&lt;strong&gt;Retailer Officially Unveils Black Friday Specials and&amp;nbsp;&lt;br&gt;Walmart.com Introduces Unbelievable Thanksgiving Day Online Specials&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;&lt;p style="margin-top: 0px; "&gt;&lt;strong&gt;BENTONVILLE, Ark., Nov. 24, 2008&amp;nbsp;&lt;/strong&gt;– Continuing its commitment to bring the best prices to customers through Operation Main Street, Walmart today posts online at Walmart.com (&lt;a target="_blank" href="http://www.walmart.com/?adid=1500000000000006858130" style="color: rgb(26, 117, 207); text-decoration: none; "&gt;www.walmart.com&lt;/a&gt;) its entire Black Friday advertising circular with incredible savings on hundreds of items to help its customers cut the cost of Christmas. In addition, Walmart.com today announces it will offer online specials on Thanksgiving Day.&lt;/p&gt;&lt;p style="margin-top: 0px; "&gt;In addition to its Black Friday specials, Walmart is guaranteeing customers the best prices with its Ad Match program, whereby its stores will match the price of any local competitor's printed ad for an identical product.&lt;/p&gt;&lt;p style="margin-top: 0px; "&gt;“Walmart is dedicated to being a low price advocate for our customers throughout the entire year, and our Black Friday specials are no exception,” said John Fleming, chief merchandising officer for Walmart. “Our associates will be working hard all week to make sure our stores are ready to welcome shoppers seeking our unbeatable Black Friday prices.”&lt;/p&gt;&lt;p style="margin-top: 0px; "&gt;Three Days of Black Friday, Starting …&lt;/p&gt;&lt;ul&gt;&lt;li style="color: rgb(102, 102, 102); margin-bottom: 5px; line-height: 1.3em; "&gt;Online Thursday: On Thanksgiving Day, customers can visit Walmart.com (&lt;a target="_blank" href="http://www.walmart.com/?adid=1500000000000006858130" style="color: rgb(26, 117, 207); text-decoration: none; "&gt;www.walmart.com&lt;/a&gt;) to find online specials on many of the season’s hottest items in electronics, toys and video games, with free shipping through its Site to Store program. While on the site Thursday, shoppers also can see Walmart’s Black Friday specials available in stores the next day.&lt;/li&gt;&lt;/ul&gt;&lt;p style="margin-top: 0px; "&gt;A few examples of the dozens of online only specials available Thanksgiving Day on Walmart.com include a Motorola Bluetooth Headset for less than $20 and the Playhut High School Musical Star Stage for $30.&lt;/p&gt;&lt;ul&gt;&lt;li style="color: rgb(102, 102, 102); margin-bottom: 5px; line-height: 1.3em; "&gt;In Stores Friday Morning: The biggest savings begin 5 a.m. to 11 a.m. Nov. 28. Walmart customers will find Black Friday only products, as advertised, across the store from $4 and $8 jeans, jackets and sleepwear to a Magnovox Blu-ray disc player at $128. The full list of savings that stretch across the store is available at Walmart.com (&lt;a target="_blank" href="http://www.walmart.com/?adid=1500000000000006858130" style="color: rgb(26, 117, 207); text-decoration: none; "&gt;www.walmart.com&lt;/a&gt;).&lt;/li&gt;&lt;/ul&gt;&lt;ul&gt;&lt;li style="color: rgb(102, 102, 102); margin-bottom: 5px; line-height: 1.3em; "&gt;2-Day Friday and Saturday Savings: Walmart’s Black Friday circular also includes incredible savings storewide that begin Friday and are available through Saturday.&lt;/li&gt;&lt;/ul&gt;&lt;p style="margin-top: 0px; "&gt;“With our in store and online specials, we’re providing our customers the opportunity for a few Black Friday moments," said Fleming. "And throughout the weekend, our customers can count on us to continue to deliver amazing every day prices, whether shopping for Christmas gifts or checking off the weekly grocery list.”&lt;/p&gt;&lt;/span&gt;&lt;div&gt;&lt;span style="font-family: Arial, Helvetica, sans-serif; line-height: 19px; "&gt;&lt;span style="line-height: 16px; color: rgb(102, 102, 102); -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "&gt;Walmart’s Black Friday circular can be found in its entirety at&amp;nbsp;&lt;a target="_blank" href="http://www.walmart.com/?adid=1500000000000006858130" style="color: rgb(26, 117, 207); text-decoration: none; "&gt;www.walmart.com&lt;/a&gt;.&lt;/span&gt;&lt;/span&gt;&lt;br&gt;&lt;/div&gt;&lt;/div&gt;</description><comments>http://acfblog.homeeconomiser.com/2009/11/23/walmart-and-black-friday.aspx#Comments</comments><guid isPermaLink="false">c6149332-1c3c-4f6c-a0aa-181395af3a8b</guid><pubDate>Tue, 24 Nov 2009 00:09:00 GMT</pubDate></item><item><title>Freezing limits</title><link>http://acfblog.homeeconomiser.com/2009/11/23/freezing-limits.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;strong&gt;&lt;span style="font-size: small;"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-size: small;"&gt; I took your advice and bought a couple of sale turkeys beforeThanksgiving.&amp;nbsp;How long can a frozen turkey be stored without going bad?&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;strong&gt;&lt;span style="font-size: small;"&gt;Answer:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-size: small;"&gt; We stock up on a large number of turkeys at Thanksgiving, too. Itprovides us with the least expensive poultry price of the year. About once eachmonth (except during the hotter summer months), we cook a turkey. We eat someof the meat that night and save the rest to be used in recipes made on ouronce-a-month cooking day.&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;span style="font-size: small;"&gt;&lt;span style="line-height: normal; "&gt;We regularly store frozen turkeys for up toone year and notice no difference in taste or quality from the birds that areeaten right away. We talked to a former Navy chef, now working as a butcher,who said that while in the military, they would routinely ship out for 18months. Sometimes they stowed two years’ worth of Thanksgiving turkeys onboardin deep freezers. Turkey that is vacuum-sealed in heavy plastic and then frozencan be stored indefinitely. This same rule applies to other vacuum-sealedmeats. Meat frozen in Styrofoam trays with thin plastic wrap should either berepackaged or eaten much sooner.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;</description><category>Groceries</category><category>Cooking</category><category>Saving Money</category><comments>http://acfblog.homeeconomiser.com/2009/11/23/freezing-limits.aspx#Comments</comments><guid isPermaLink="false">e9cc9f17-b315-4fee-9708-56cd7e28ab39</guid><pubDate>Tue, 24 Nov 2009 00:02:00 GMT</pubDate></item><item><title>Paying off a house quickly</title><link>http://acfblog.homeeconomiser.com/2009/10/19/paying-off-a-house-quickly.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Explain how you paid off your house so quickly.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;strong&gt;Answer: &lt;/strong&gt;There are three things we did to pay off our first home
in nine years:&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;&lt;strong&gt;1) Think small.&lt;/strong&gt;&amp;nbsp; We bought a small (1,458-square-foot) repossessed
house and financed less than the bank said we could. Many people think that
buying a bigger house is better. Larger houses cost more to heat, cool, insure
and maintain, and you pay more in property taxes. Don’t buy a larger house to
impress your friends and family — they aren’t the ones who will lie awake at
night worrying about making the payment. Thinking small helped keep our
payments manageable and allowed us to pay extra each month.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;&lt;strong&gt;2) Have a budget.&amp;nbsp;&lt;/strong&gt; Having a way to control your saving and
spending is the key to reaching your financial goals. Our budget allowed us to
save in advance of all anticipated expenses. It also revealed when we had extra
money, which we used to pay off the house.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;&lt;strong&gt; 3) Hate debt.&amp;nbsp;&lt;/strong&gt; We avoid debt like the plague. It’s an attitude we
share. So paying off our house was more of a priority to us than buying new
cars or taking fancy vacations. We bought gently used cars when needed and took
enjoyable annual vacations, spending only the money we had saved for that
specific purpose.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; As we watched our house’s principal balance plummet, we experienced a
feeling of euphoria. This led us to find more ways to save money on other
expenses such as groceries, home repairs, clothing and car insurance.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;And the best part was the day we paid it off! Whew, what a great
feeling. Give it a try — it’s fantastic!&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>Housing</category><category>Debt</category><category>Mortgage</category><category>Loan</category><comments>http://acfblog.homeeconomiser.com/2009/10/19/paying-off-a-house-quickly.aspx#Comments</comments><guid isPermaLink="false">20beb30b-d539-4148-842d-cbafaead2d71</guid><pubDate>Mon, 19 Oct 2009 23:33:00 GMT</pubDate></item><item><title>Animal Adoptions</title><link>http://acfblog.homeeconomiser.com/2009/09/25/animal-adoptions.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;span style="font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 11px; color: rgb(51, 51, 51); "&gt;&lt;h3 class="UIIntentionalStory_Message" data-ft="{&amp;quot;type&amp;quot;:&amp;quot;msg&amp;quot;}" style="color: rgb(51, 51, 51); margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; font-weight: normal; overflow-x: hidden; overflow-y: hidden; "&gt;&lt;span class="UIStory_Message"&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;We just adopted a dog through Central Arizona Animal Rescue&amp;nbsp;&lt;/span&gt;&lt;/font&gt;&lt;a href="http://www.caaronline.org/" onmousedown="UntrustedLink.bootstrap($(this), &amp;quot;ba0fe8e6e1699248b5991d9d5d9c80a5&amp;quot;, event)" target="_blank" rel="nofollow" style="cursor: pointer; color: rgb(59, 89, 152); text-decoration: none; "&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;http://www.caaronline.org/&lt;/span&gt;&lt;/font&gt;&lt;/a&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;&amp;nbsp;— they are really great people. About 2 months ago we had to "put down" Lucky, our 12 year old shepherd. His hips were failing him and he couldn't stand anymore. It was so sad. He was a great family dog. Our second dog, Alaska, has been really lonely and in need of a companion.&lt;/span&gt;&lt;/font&gt;&lt;/span&gt;&lt;/h3&gt;&lt;h3 class="UIIntentionalStory_Message" data-ft="{&amp;quot;type&amp;quot;:&amp;quot;msg&amp;quot;}" style="color: rgb(51, 51, 51); margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; font-weight: normal; overflow-x: hidden; overflow-y: hidden; "&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/h3&gt;&lt;h3 class="UIIntentionalStory_Message" data-ft="{&amp;quot;type&amp;quot;:&amp;quot;msg&amp;quot;}" style="color: rgb(51, 51, 51); margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; font-weight: normal; overflow-x: hidden; overflow-y: hidden; "&gt;&lt;span class="UIStory_Message"&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;Our new pup is a nine month old purebred German Shepherd who appears to have been abused. He was rescued out of a county pound where he was dropped off by his owner and immediately put on the euthanize list. He is super wary of anyone coming near him. It's taken 3 days for him to trust us. We're going slow and his trust level is growing. Just yesterday he licked Annette's hand and gave his tail a little wag. Things are looking good! His name is Bandit.&lt;/span&gt;&lt;/font&gt;&lt;/span&gt;&lt;/h3&gt;&lt;div&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;font face="Arial"&gt;&lt;span style="font-size: small;"&gt;If you're looking for a pet, please go to the pound or contact an animal rescue service in your area. We found that some of the rescue services were charging exorbitant fees - some as high as $400! We understand that there are costs associated with caring for abandoned and abused animals, but in this market, with the economy where it is, charging that much is going to be prohibitive. Check multiple sources and you're sure to find an animal who will be a great addition to your family.&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;/span&gt;</description><category>Pets</category><comments>http://acfblog.homeeconomiser.com/2009/09/25/animal-adoptions.aspx#Comments</comments><guid isPermaLink="false">355f6541-d853-4f33-950b-49ffd166da44</guid><pubDate>Fri, 25 Sep 2009 23:52:00 GMT</pubDate></item><item><title>Medical crisis and car payments</title><link>http://acfblog.homeeconomiser.com/2009/09/17/medical-crisis-and-car-payments.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; I have a chronic illness and don’t know when I’ll be able to return to
work. My husband works a weekend job in addition to his weekly job. We have two
car payments. One is $500 a month with 18 months left to pay off the car. Would
we be better off trading it in to get our payments down to $300? We tried to
refinance it, but the company said no. I’m not sure we can afford this payment
on one income. We need two cars because our son just started college. We have
canceled our cell phones and have gotten rid of other expenses to make ends
meet.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Answer:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Before we address trading your car, let’s talk about your son. We all
want to help our kids, but when you’re in a budget crisis, you need to make
changes. It’s time to assess how much of the cost of the second car your son
can carry. We require our kids to pay for their own auto insurance and some of
the gas they use. If they want to own a car, they buy it themselves (with cash;
we don’t co-sign). While this policy may seem harsh, hard work, delayed
gratification and planning never hurt anyone. It’s a great dose of reality and
will benefit them much more than giving them things. If your son wants to
drive, he should pay. If he doesn’t want to pay, then sell the car.&amp;nbsp;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Reducing your $500-per-month car payment will require a lot of research
and probably some good, old-fashioned haggling. Start by figuring out what kind
of car you could get for $300 per month. Also research the &lt;em&gt;Consumer Reports
Used Car Buying Guide&lt;/em&gt; for reliability information on various models. Then
call several dealerships and see how willing they are to work a deal. Go in
dealerships knowing what terms you want (total cost, length of the loan and
total monthly payment) and be prepared to walk away if they don’t meet your
terms.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;You also should research insurance (we like to use &lt;font&gt;&lt;a href="http://www.insweb.com/HomeEconomiser/insurance_quotes.html"&gt;InsWeb.com&lt;/a&gt;&lt;/font&gt; to gather several quotes easily and quickly) and registration costs before you
buy. Impulsive decisions usually land people in debt. This is time for
analysis, research, planning and patience.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>Kids and Money</category><category>budget</category><category>Debt</category><category>Loan</category><category>Auto</category><comments>http://acfblog.homeeconomiser.com/2009/09/17/medical-crisis-and-car-payments.aspx#Comments</comments><guid isPermaLink="false">25fcef62-51c8-46ed-9bc3-c1bdccfa0b34</guid><pubDate>Thu, 17 Sep 2009 17:13:00 GMT</pubDate></item><item><title>Coupon Facts / Trivia Question / Request</title><link>http://acfblog.homeeconomiser.com/2009/08/31/coupon-facts--trivia-question--request.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;span style="font-size: 13px; color: rgb(85, 85, 85); "&gt;We're working on the coupon chapter of our next book and need your input. But first, we've got a little trivia for you&lt;/span&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-size: 13px; color: rgb(85, 85, 85); "&gt;Do you know how many coupons are distributed in a year?&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-size: 13px; color: rgb(85, 85, 85); "&gt;Try about 361 billion.&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-size: 13px; color: rgb(85, 85, 85); "&gt;Guess how many are of those coupons get redeemed . . . about 4.3 billion.&amp;nbsp;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-size: 13px; color: rgb(85, 85, 85); "&gt;Okay, one more trivia question . . . &lt;strong&gt;what company was the first to use a coupon to promote their product.&lt;/strong&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="font-size: 13px; color: rgb(85, 85, 85); "&gt;&lt;strong&gt;Hints&lt;/strong&gt;: The company is still around today and its product every grocery store. The first coupon was distributed in 1887.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;Send us your guesses.&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;strong&gt;Coupon Organization: No two people organize their coupons alike. We&amp;nbsp;&lt;span style="font-weight: normal; "&gt;we want to include several ideas for coupons organization in the Coupon chapter of our book. Let us know how you do it.&lt;/span&gt;&lt;/strong&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;font color="#555555" size="3"&gt;&lt;span style="font-size: 13px;"&gt;&lt;strong&gt;&lt;span style="font-weight: normal; "&gt;Post it here or send us an email at ideas[at]homeeconomiser[dot]com&lt;/span&gt;&lt;/strong&gt;&lt;/span&gt;&lt;/font&gt;&lt;/div&gt;</description><category>Organizing</category><category>Saving Money</category><category>Coupons</category><comments>http://acfblog.homeeconomiser.com/2009/08/31/coupon-facts--trivia-question--request.aspx#Comments</comments><guid isPermaLink="false">f70c8332-21fb-40fd-b335-b33d60eee261</guid><pubDate>Mon, 31 Aug 2009 20:26:00 GMT</pubDate></item><item><title>Grocery shopping and wasting money</title><link>http://acfblog.homeeconomiser.com/2009/08/28/grocery-shopping-and-wasting-money.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;strong&gt;&lt;span style="font-size: x-small;"&gt;Question&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-size: x-small;"&gt;: What is the singlebiggest money waster when shopping for groceries?&lt;/span&gt;&lt;span style="font-size: x-small;"&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;strong&gt;&lt;span style="font-size: x-small;"&gt;Answer&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-size: x-small;"&gt;: Cheetos! Well,they're our downfall.&amp;nbsp;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;span style="font-size: x-small;"&gt;Seriously,impulsiveness is the most costly habit out there.&amp;nbsp;An extensive researchstudy of grocery-buying habits showed that 60 percent of the items put in agrocery cart are unplanned purchases — they are impulse buys. If you go to thestore for 10 items you'll come home with 16.&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;span style="font-size: x-small;"&gt;Bydoing some simple planning — a weekly menu based on sale items and creating(and sticking to) a shopping list — most consumers could cut a huge amount ofimpulse buys from their grocery expenses.&lt;/span&gt;&lt;span style="font-size: x-small;"&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;span style="font-size: x-small;"&gt;Ifyou want to read the study, Where the Rubber Meets the Road, A Model of InStore Consumer Decision Making, by&amp;nbsp;&amp;nbsp;J. Jeffrey Inman, RosellinaFerraro,&amp;nbsp;Russell S. Winer &amp;nbsp;which was published on&amp;nbsp;April 30, 2004go here:&amp;nbsp;&lt;/span&gt;&lt;a href="http://www.cba.uh.edu/mark/papers/inman.pdf"&gt;&lt;span style="font-size: x-small;"&gt;Inman Study&lt;/span&gt;&lt;/a&gt;&lt;span style="font-size: x-small;"&gt;&amp;nbsp;&lt;/span&gt;&lt;span style="font-size: x-small;"&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;span style="font-size: x-small;"&gt;(Justbe aware that this is a statistical survey and you may have to wade throughtechnical terms you might not understand to get to the usable information)&lt;/span&gt;&lt;span style="font-size: x-small;"&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;span style="font-size: x-small;"&gt;Thisis the most extensive study of consumer buying habits ever created. It's afascinating look what we buy and why. They tracked over&amp;nbsp;&lt;/span&gt;&lt;span style="font-size: x-small;"&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;span style="font-size: x-small;"&gt;50,000purchases made by 4000 consumers. The study shows that what you intend to buywhen you go to the store is NOT what you come home with . . . not by a longshot.&amp;nbsp;&lt;/span&gt;&lt;span style="font-size: x-small;"&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-bottom:6.0pt"&gt;&lt;strong&gt;&lt;o:p&gt;&lt;span style="font-weight: normal; "&gt;&lt;span style="font-size: x-small;"&gt;Inour next book (we're working on it right now) we're going to give readers theammunition they need to beat this survey and walk away from the grocery storespending less money than ever before.&lt;/span&gt;&lt;/span&gt;&lt;/o:p&gt;&lt;/strong&gt;&lt;/p&gt;&lt;!--EndFragment--&gt;</description><category>Shopping</category><category>Groceries</category><comments>http://acfblog.homeeconomiser.com/2009/08/28/grocery-shopping-and-wasting-money.aspx#Comments</comments><guid isPermaLink="false">86aff129-3f1a-43ce-9433-3b4714a337e4</guid><pubDate>Fri, 28 Aug 2009 14:30:00 GMT</pubDate></item><item><title>Grocery / Cooking Tips for Singles and Empty Nesters</title><link>http://acfblog.homeeconomiser.com/2009/08/27/grocery--cooking-tips-for-singles-and-empty-nesters.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;strong&gt;We're working on two new books!&lt;/strong&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;strong&gt;&lt;/strong&gt;&amp;nbsp;The first one has a working title of "&lt;strong&gt;&lt;em&gt;Cut Your Grocery Bill In Half."&lt;/em&gt;&lt;/strong&gt;&lt;div&gt;It is going to be one of the most comprehensive manuals on how to maximize your savings in the grocery arena that has ever been written. We'll write more about the second book later.&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;To make the book even better, we want to include input from other frugal friends.&amp;nbsp;&lt;/div&gt;&lt;div&gt;Over the years, we've noticed that &lt;strong&gt;singles&lt;/strong&gt; and e&lt;strong&gt;mpty nesters&lt;/strong&gt; struggle with shopping and cooking. They tend to loose their enthusiasm about saving money because they're only cooking for one or two people. Yet there are some super savers out there who really know how to stretch their grocery dollars.&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;If you are a single or empty nester and still have a passion for saving money on groceries and cooking, we want to include what you are doing in this next book so we can encourage others to keep on saving.&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;You can post your tips and comments here or send us an email . . . Ideas[at}HomeEconomiser[dot]com&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Of course, we need to include some legal copy to keep our lawyer friends employed:&lt;/div&gt;&lt;div&gt;&lt;span style="font-family: Verdana, Arial, Helvetica, Geneva, 'Sans Serif'; color: rgb(51, 51, 51); font-style: italic; -webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; "&gt;&lt;span style="font-size: x-small;"&gt;By submitting your ideas, you agree to allow the publication of that idea and your name or initials and city in print and on-line. All submissions become the property of Economiser Publications, LLC.&lt;/span&gt;&lt;/span&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;/div&gt;</description><category>Groceries</category><category>Frugality</category><category>Cooking</category><category>Coupons</category><category>Saving Money</category><comments>http://acfblog.homeeconomiser.com/2009/08/27/grocery--cooking-tips-for-singles-and-empty-nesters.aspx#Comments</comments><guid isPermaLink="false">e47003fa-2d2a-4ab5-b1c4-564ff8167588</guid><pubDate>Thu, 27 Aug 2009 15:43:00 GMT</pubDate></item><item><title>Managing on one income</title><link>http://acfblog.homeeconomiser.com/2009/08/19/managing-on-one-income.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-size: 21px; "&gt;&lt;span style="font-size: 12px; line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; My husband and I have five kids and he is the only one working. We
can’t seem to get out of debt and have money left to go out and do anything
fun. What would be your advice?&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;strong&gt;Answer:&lt;/strong&gt; First off, any family that has five kids and a
stay-at-home mom does have both parents working — and working very hard. We
know — we’ve been there. It’s tough, but the rewards never end.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; We won’t lie to you. Eliminating debt requires self-evaluation and
discipline. But the more you practice new habits, the more success you’ll have
and the more addicting debt-reduction will become.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; First, you need to establish a realistic budget for your lifestyle and
update it regularly (read about this in our book).&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Second, you’ve got to get the whole family on board. Even young kids
can be involved with new money-saving habits if their parents lead by example.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Third, sell off anything you don’t really need and use the proceeds to
pay off debt.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; You can have fun as a family without spending money — kids do it all
the time. Borrow movies from the library, play a board game, go to a park and
throw a Frisbee, take a hike, go to the Heard Museum on a free day or go to a
free concert at Arizona State University, a community college or a high school
near your home. Visit deals.azcentral.com for more ideas. If you want a little
romance, plan a candlelight dinner at home without the kids. Use your
creativity, not credit.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; By the way, we don’t mean to pick on you, but you sent this question
from a BlackBerry. If money is tight, do you need this high-tech gizmo or would
a prepaid cell phone serve your needs? Question every expense and watch your
debt evaporate.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>budget</category><category>Debt</category><category>Frugality</category><comments>http://acfblog.homeeconomiser.com/2009/08/19/managing-on-one-income.aspx#Comments</comments><guid isPermaLink="false">70201ee4-52f5-42af-9d87-b764996e3413</guid><pubDate>Wed, 19 Aug 2009 17:03:00 GMT</pubDate></item><item><title>Freezing limits</title><link>http://acfblog.homeeconomiser.com/2009/08/11/freezing-limits.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; I took your advice and bought a couple of sale turkeys before
Thanksgiving. How long can a frozen turkey be stored without going bad?&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Answer:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; We stock up on a large number of turkeys at Thanksgiving, too. It
provides us with the least expensive poultry price of the year. About once each
month (except during the hotter summer months), we cook a turkey. We eat some
of the meat that night and save the rest to be used in recipes made on our
once-a-month cooking day.&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;We regularly store frozen turkeys for up to one year and notice no
difference in taste or quality from the birds that are eaten right away. We
talked to a former Navy chef, now working as a butcher, who said that while in
the military, they would routinely ship out for 18 months. Sometimes they
stowed two years’ worth of Thanksgiving turkeys onboard in deep freezers.
Turkey that is vacuum-sealed in heavy plastic and then frozen can be stored
indefinitely. This same rule applies to other vacuum-sealed meats. Meat frozen
in Styrofoam trays with thin plastic wrap should either be repackaged or eaten
much sooner.&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>Groceries</category><category>Shopping</category><category>Cooking</category><category>Saving Money</category><comments>http://acfblog.homeeconomiser.com/2009/08/11/freezing-limits.aspx#Comments</comments><guid isPermaLink="false">de3650f5-93bd-478e-87ce-c7144c182343</guid><pubDate>Tue, 11 Aug 2009 17:13:00 GMT</pubDate></item><item><title>One income or two?</title><link>http://acfblog.homeeconomiser.com/2009/08/03/one-income-or-two.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; My wife makes $45,000 per year and I recently accepted a promotion that
pays $60,000 per year. We have four children at home, ages 4-19. My new
position will leave me little time and even less energy for my family and our
worship.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;For years my wife and I have been terrible money managers. We lost a
home and filed Chapter 13 bankruptcy, which was converted to a Chapter 7. I
have always believed that with a little sacrifice and a lot of creativity, we
can live on one full-time income or perhaps two part-time incomes.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;My dilemma is this: How can I convince my wife that this is possible?
She thinks the idea of living on one income is unreasonable. We tried it before
and failed miserably, I believe, because we were uneducated and unprepared.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;strong&gt;Answer:&lt;/strong&gt; We feel for your situation. But given your financial
past, it’s unlikely you’ll soon convince your wife to live on one income. It
will take time to establish new, sound financial habits in your home before
she’ll feel secure in your decisions.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Develop and maintain a working budget for at least six months, build
some savings (at least three months of living expenses) and become totally
debt-free before you consider reducing to one salary. It may take a year to
prove your commitment. Check the library for books by Larry Burkett, Dave
Ramsey and us.&lt;span&gt;&lt;a href="http://homeeconomiser.com/BookStore.html"&gt;We've got these books available in our Amazon Bookstore also.&lt;/a&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Hook up with someone to help you walk through these changes and help you
both deal with your emotional and financial issues. Check out&amp;nbsp;&lt;span&gt;&lt;a href="http://www.crown.org/"&gt;Crown Financial Ministries&lt;/a&gt;'&amp;nbsp;&amp;nbsp;Web site. They have personal budget coaches and their small-group
study course teaches sound financial principles and a very practical budgeting
system.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;You’re right, it will take education and determination, but we know you
can do it. By investing your time you will ensure your family a firm financial
future.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>budget</category><category>Debt Reduction</category><category>Frugality</category><category>Freedom</category><comments>http://acfblog.homeeconomiser.com/2009/08/03/one-income-or-two.aspx#Comments</comments><guid isPermaLink="false">69c2db14-6c25-44b7-bf55-14f2b887455b</guid><pubDate>Mon, 03 Aug 2009 19:03:00 GMT</pubDate></item><item><title>Now is the time to get a great deal on vitamins and supplements</title><link>http://acfblog.homeeconomiser.com/2009/07/09/now-is-the-time-to-get-a-great-deal-on-vitamins-and-supplements.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>Ben Franklin said, "An ounce of prevention is worth a pound of cure."&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;We believe that 100% especially when it comes to our health. We eat healthy food, get exercise, drink a lot of water, wash our hands often and take vitamins and herbs to maintain our health and fight off any sickness that might come our way.&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;We buy most of our vitamins and herbs from Puritan's Pride because they regularly have great sales and their prices beat everyone else. We've compared prices to Sam's Club, Costco, Walgreens and CVS.&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Each summer they have an absolutely killer sale —&amp;nbsp;&lt;span&gt;&lt;a href="http://click.linksynergy.com/fs-bin/click?id=C5NgTTTvCE0&amp;amp;offerid=116038.10000004&amp;amp;type=4&amp;amp;subid=0" target="_blank"&gt;&lt;strong&gt;BUY 1 GET 2 FREE&lt;/strong&gt;&lt;/a&gt;&lt;/span&gt;&lt;strong&gt;&lt;font face="AZBY"&gt;.&lt;/font&gt;&lt;/strong&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;Here are a few of their prices on items we're buying:&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;table&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td&gt;ITEM&lt;span&gt; &lt;/span&gt;&amp;nbsp;&lt;/td&gt;&lt;td&gt;&amp;nbsp;MG&lt;span&gt;&amp;nbsp;&amp;nbsp; &amp;nbsp;&lt;/span&gt;&lt;/td&gt;&lt;td&gt;QTY&amp;nbsp;&lt;/td&gt;&lt;td&gt;$&amp;nbsp;&lt;/td&gt;&lt;td&gt;&amp;nbsp;TOTAL QTY &amp;nbsp;/ 3 FOR 1&lt;/td&gt;&lt;td&gt;&amp;nbsp;FINAL PER PILL COST&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;&amp;nbsp;&lt;strong&gt;Vitamin C&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;1000&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;250&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;$22.99&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;750 caplets&lt;/strong&gt;&lt;span&gt;&lt;strong&gt; &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/strong&gt;&lt;/span&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;1.6 cents each&lt;/strong&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;Echinacea&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;&amp;nbsp; 400&amp;nbsp;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;200&amp;nbsp;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;$ 9.99&amp;nbsp;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;600 capsules&lt;span&gt; &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/span&gt;&amp;nbsp;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;1.66 cents each&lt;/strong&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;Grapeseed Extract&lt;span&gt;&amp;nbsp;&amp;nbsp;&lt;/span&gt;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;&amp;nbsp; &amp;nbsp; 50&amp;nbsp;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;200&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;$ 7.66&amp;nbsp;&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;600 capsules&lt;/strong&gt;&lt;/td&gt;&lt;td&gt;&lt;strong&gt;&amp;nbsp;1.2 cents each&amp;nbsp;&lt;br&gt;&lt;span&gt;&lt;/span&gt;&lt;/strong&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Last week we sent in our largest order ever.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;What we do is list what vitamins or herbs we take on a regular basis and calculate how may we use in a year. Then we order that amount. It saves so much money and really keeps us healthy for less.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Last year we miscalculated what we needed and had to place an order in the middle of the year when they were running a Buy 1 Get 1 Free offer— yup it was more expensive. So now is the time to check out their sale prices.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Be smart though. Compare prices at &lt;span&gt;&lt;a href="http://www.SamsClub.com" target="_blank"&gt;Sam's Club&lt;/a&gt;&amp;nbsp;and&amp;nbsp;&lt;span&gt;&lt;a href="http://www.Costco.com"&gt;Costco&lt;/a&gt;&lt;/span&gt;&lt;/span&gt;&lt;font face="AZBY"&gt;&amp;nbsp;online, you'll find that some of their prices may be close to the deal you'll get at Puritan's Pride, but they don't have the same variety and quantities of vitamins and herbs.&amp;nbsp;&lt;/font&gt;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Two more great things about Puritan's Pride is that you pay no sales tax unless you live in IL, NY or ND (that saves us 8% in Arizona) and there are always online coupon codes to save even more — we paid no shipping because we Googled "Puritans Pride Coupon Codes" and found a coupon code that saved us $5 (it paid for the $4.95 shipping). That particular coupon is gone, but now they are offering free shipping on orders of $50 or more.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br&gt;&lt;/div&gt;&lt;div&gt;Order a catalog by calling 1-800-645-1030 or get to their web site, but don't wait too long. &amp;nbsp;&lt;strong&gt;&lt;a href="http://click.linksynergy.com/fs-bin/click?id=C5NgTTTvCE0&amp;amp;offerid=116038.10000004&amp;amp;type=4&amp;amp;subid=0" target="_blank"&gt;Search for vitamins and herbs now!&lt;/a&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div&gt;&lt;strong&gt;&lt;br&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div&gt;&lt;strong&gt;&lt;em&gt;Let us know how much you saved!&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;</description><category>Saving Money</category><category>Healthcare</category><comments>http://acfblog.homeeconomiser.com/2009/07/09/now-is-the-time-to-get-a-great-deal-on-vitamins-and-supplements.aspx#Comments</comments><guid isPermaLink="false">c6633745-b603-4496-8a6e-86b165a893bb</guid><pubDate>Thu, 09 Jul 2009 16:11:00 GMT</pubDate></item><item><title>Managing after retirement</title><link>http://acfblog.homeeconomiser.com/2009/07/08/managing-after-retirement.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; After 32 years of teaching, I am retiring at the end of this school
year. We’ve been married for 23 years and have three boys. Our oldest son is a
college sophomore, and our twins are 12. I’m looking for ways to make extra
money after I retire. I could substitute teach but I’m ready to do something
different. I live in a rural area of Arizona. I want to stay close to home to
be here for my younger kids. What do you suggest?&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;  &lt;strong&gt;Answer:&lt;/strong&gt; Focusing on managing your home can save more money than
going out and working part-time. By driving less, you can eliminate a car or
reduce your insurance. You’ll have more time to cook from scratch and you’ll be
less frazzled at the end of the day. Your income will be lower, so you’ll pay
less in taxes. By planning ahead, you’ll spend less money. You’re already an
expert at developing and implementing lesson plans — now you can become an
expert at implementing a spending-and-savings plan.   You could start a
home-based business. But working from home requires you to become a sales
person and business owner with discipline and a marketing mindset. Consider
becoming a virtual assistant (do a Google search) or a proofreader or editor
for a small magazine, Web site or publisher.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;If you’re tenacious and willing to learn the ins and outs of medical
billing, you could become a medical billing advocate. We recently interviewed
Nora Johnson, the spokesperson for Medical Billing Advocates of America, and
learned that this is a growth field. Consultants work from home and help others
by contesting overcharges or erroneous bills from insurance companies and
medical providers. The association provides ongoing training, support and
referrals. For more information visit &lt;/span&gt;&lt;a href="http://billadvocates.com/"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:Arial;color:#6599CB;text-decoration: none;text-underline:none"&gt;billadvocates.com&lt;/span&gt;&lt;/a&gt;&lt;span style="font-family:
Arial;mso-bidi-font-family:Arial"&gt;.You can read more about Medical Billing
Advocates by purchasing the May/June 2008 edition of the HomeEconomiser
Newsletter here: &lt;/span&gt;&lt;a href="http://homeeconomiser.com/BackIssueIndex.html"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:Arial;color:#6599CB;text-decoration:
none;text-underline:none"&gt;homeeconomiser.com/BackIssueIndex.html&lt;/span&gt;&lt;/a&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:Arial"&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>Retirement</category><category>Saving Money</category><category>Frugality</category><comments>http://acfblog.homeeconomiser.com/2009/07/08/managing-after-retirement.aspx#Comments</comments><guid isPermaLink="false">96062276-18f7-4042-8f5e-1c091e399063</guid><pubDate>Wed, 08 Jul 2009 16:31:00 GMT</pubDate></item><item><title>Going green for less</title><link>http://acfblog.homeeconomiser.com/2009/06/21/going-green-for-less.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; What about “green”-conscious families, like mine, who are on
organic/nonprocessed diets with recycled paper/plastic products, and nontoxic
cleaners? They don’t have coupons for this stuff or carry it at warehouses. Do
you have ideas to save money yet live healthy and environmentally-friendly?&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;strong&gt;Answer:&lt;/strong&gt; We’ve seen several organic products and some
environmentally friendly cleaning products at our local Costco. When buying
“green,” the principles of establishing a buy price and stocking up still
apply. Know your prices for items you purchase. Over time and through research,
you’ll find sources for what you want. Then when you find a better price, stock
up.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Minimize use of paper products. Disposable products are wasteful and
costly. We use cloth napkins, cloth dishtowels and old shirts for rags. We use
very few disposable products.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Consider making some of your own cleaning products. Visit &lt;/span&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:Arial"&gt;&lt;span style="font-family: Arial; color: rgb(101, 153, 203); text-decoration: none; outline-style: none; outline-width: initial; outline-color: initial; "&gt;&lt;a href="http://makeyourown.net/" style="outline-style: none; outline-width: initial; outline-color: initial; "&gt;makeyourown.net&lt;/a&gt;&lt;span style="color: rgb(0, 0, 0); "&gt;; they have recipes for
everything from air fresheners to homemade soap.&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; The best way to guarantee organic produce is by growing your own
vegetables or planting fruit trees in your yard. Look for organic produce at
farmers markets or join a co-op. Greg Peterson, a local “green” expert, is
owner of the Urban Farm in Phoenix. Learn about his ideas here: &lt;/span&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:Arial"&gt;&lt;span style="font-family: Arial; color: rgb(101, 153, 203); text-decoration: none; outline-style: none; outline-width: initial; outline-color: initial; "&gt;&lt;a href="http://YourGuideToGreen.com/" style="outline-style: none; outline-width: initial; outline-color: initial; "&gt;YourGuideToGreen.com&lt;/a&gt;&lt;span style="color: rgb(0, 0, 0); "&gt;.&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Going green is more expensive. So decide what the non-negotiables of
your lifestyle are, find the best prices and work on saving money in other
areas.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>environment</category><category>Shopping</category><category>Frugality</category><comments>http://acfblog.homeeconomiser.com/2009/06/21/going-green-for-less.aspx#Comments</comments><guid isPermaLink="false">18c3daa2-4f94-482d-b194-1d2f0279af48</guid><pubDate>Sun, 21 Jun 2009 19:16:00 GMT</pubDate></item><item><title>How do I cut my budget even more?</title><link>http://acfblog.homeeconomiser.com/2009/06/15/how-do-i-cut-my-budget-even-more.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/strong&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; In the seven years we’ve been married we have paid off both of our
student loans and paid $40,000 extra principal on mortgage. We have one $7,500
loan left before my husband can drop back to one job — he currently works two.
We plan to pay that loan off in 12 months.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;I feel like I need to reduce our expenses more so we can make that
transition. I ran across your book and filled out the household budget
worksheet . . . I became very discouraged. It seems that if I fund our all of
our budget categories, he will never get to drop to one job. We have already
found cheaper home and auto insurance, increased our health insurance
deductible and saved $8,000 for emergencies. Our house payment takes 40 percent
of our income, we have two in diapers, and in the last month, all three of our
cars have broken down.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;What should I do? My husband is really tired.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;strong&gt;Answer:&lt;/strong&gt; First of all, congratulate yourselves for what you have
accomplished in paying off loans, decreasing insurance premiums and setting up
an emergency fund. Our budget worksheet helps you plan for all of your usual
household expenses; you may have to eliminate some categories to make your
budget balance.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Here are three things you could do.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; 1. Sell one or two of your cars – you’ll save on insurance and
maintenance. It may be inconvenient, but you’ll have fewer financial headaches.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; 2. Consider selling or swapping your house for something smaller and
less expensive. Or rent out a room — maybe to someone who pays reduced rent in
exchange for helping with your kids.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; 3. Work at reducing your grocery expenses by evaluating your diet,
planning your shopping trips more carefully, eliminating non-essential food
items, and cooking from scratch.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; It sounds like you both are really weary and need someone to encourage
you and help you evaluate. See if there is someone at your church, mosque or
synagogue who manages their household finances well and could review yours. If
not, contact Crown Financial Ministries (&lt;span style=""&gt;&lt;a href="http://www.crown.org/" target="_blank"&gt;crown.org&lt;/a&gt;&lt;/span&gt;) or Money Management
International (&lt;span style=""&gt;&lt;a href="http://www.MoneyManagement.org/" target="_blank"&gt;MoneyManagement.org&lt;/a&gt;&lt;/span&gt;) they’ll help get you on track.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>budget</category><category>Debt Reduction</category><category>Debt</category><category>Groceries</category><comments>http://acfblog.homeeconomiser.com/2009/06/15/how-do-i-cut-my-budget-even-more.aspx#Comments</comments><guid isPermaLink="false">e20b1541-33f9-47a4-a583-b9d209516982</guid><pubDate>Tue, 16 Jun 2009 05:30:00 GMT</pubDate></item><item><title>Where do I find more coupons?</title><link>http://acfblog.homeeconomiser.com/2009/04/15/where-do-i-find-more-coupons.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;span style="font-size: 16px; "&gt;&lt;h1 class="members20pxHed" style="font-family: Arial, Helvetica, sans-serif; font-size: 20px; font-weight: bold; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; display: block; color: rgb(102, 153, 204); margin-top: 0px; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; "&gt;&lt;span style="color: rgb(0, 0, 0); font-size: 12px; font-weight: normal; line-height: 16px; "&gt;&lt;b style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; "&gt;Question:&lt;/b&gt; How do I find more coupons for the groceries and other things I need?&lt;/span&gt;&lt;/h1&gt;&lt;p style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; font-size: 12px; line-height: 16px; "&gt;&lt;b style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; "&gt;Answer:&lt;/b&gt; Network with friends and relatives to share or trade coupons for things you use. We used to exchange unused coupons with a group of friends every Sunday at church. It was convenient and beneficial because we all used different products.&lt;/p&gt;&lt;p style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; font-size: 12px; line-height: 16px; "&gt;&lt;br&gt;&lt;/p&gt;&lt;p style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; font-size: 12px; line-height: 16px; "&gt;Visit online coupon sites and even your local grocers' Web sites. Some sites include: &lt;a target="_blank" href="http://coolsavings.com/" style=""&gt;coolsavings.com&lt;/a&gt;,&lt;a target="_blank" href="http://coupons.com/" style=""&gt;coupons.com&lt;/a&gt;, &lt;span&gt;&lt;a href="http://couponmom.com/" target="_blank"&gt;couponmom.com&lt;/a&gt;&lt;/span&gt;, &lt;span&gt;&lt;a href="http://couponmountain.com/" target="_blank"&gt;couponmountain.com&lt;/a&gt;&lt;/span&gt;, &lt;span&gt;&lt;a href="http://deallocker.com/" target="_blank"&gt;deallocker.com&lt;/a&gt;&lt;/span&gt; and &lt;span&gt;&lt;a href="http://smartsource.com/" target="_blank"&gt;smartsource.com&lt;/a&gt;&lt;/span&gt;.&lt;/p&gt;&lt;p style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; font-size: 12px; line-height: 16px; "&gt; &lt;/p&gt;&lt;p style="font-family: Arial, Helvetica, sans-serif; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; font-size: 12px; line-height: 16px; "&gt;Just be careful that your pursuit of coupon savings doesn't cause you to spend more money on products you wouldn't normally purchase and more time than you can afford. Coupons are only one of many ways to trim your grocery budget.&lt;/p&gt;&lt;/span&gt;</description><category>Shopping</category><category>Coupons</category><category>Groceries</category><comments>http://acfblog.homeeconomiser.com/2009/04/15/where-do-i-find-more-coupons.aspx#Comments</comments><guid isPermaLink="false">268c59ee-06d7-4d07-b02e-856c2cd1c2b0</guid><pubDate>Wed, 15 Apr 2009 21:14:00 GMT</pubDate></item><item><title>Should I pay off my mortgage with 401(k) funds?</title><link>http://acfblog.homeeconomiser.com/2009/04/08/should-i-pay-off-my-mortgage-with-401k-funds.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;b&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question: &lt;/span&gt;&lt;/b&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;I have been paying an extra $560 on my mortgage since July 2007.
Recently I began paying an extra $1,000 each month. We owe $l55,000 on our
house — our original loan was for $l86,000. Our house payment is $l,427. We
have $200,000 in a 401(k) plan (maybe less now).&lt;/span&gt;&lt;/span&gt;&lt;br&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Should we pay off the house with the money in our 401(k) or keep paying
as much extra as we can? We also pay (depending on interest rates) between $700
and $l,500 per month in interest on a home equity line of credit. I thought
that once I paid off the house, I could work at paying off the line of credit.
What would you do?&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;b&gt;Answer:&lt;/b&gt; We would never raid a 401(k) plan. You’d not only have
to pay a penalty for early withdrawal, but also have to report the money as
income and pay taxes on it. Plus, you would have nothing for the future.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Instead, stop using the home equity line of credit (HELOC) and focus on
paying it off as soon as possible. Once that’s done, start paying off your
mortgage with a vengeance. You’ll save more in interest by eliminating the
HELOC first than by paying down your mortgage.&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Consider temporarily reducing the amount you contribute to your 401(k)
to maximize your debt reduction. You’re on the right track — destroying debt
will produce incredible freedom&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;!--EndFragment--&gt;


</description><category>Housing</category><category>Debt</category><category>Mortgage</category><category>home</category><comments>http://acfblog.homeeconomiser.com/2009/04/08/should-i-pay-off-my-mortgage-with-401k-funds.aspx#Comments</comments><guid isPermaLink="false">97f1a0bc-9f30-4a2a-983c-f7896f8c2b42</guid><pubDate>Wed, 08 Apr 2009 18:28:00 GMT</pubDate></item><item><title>Creating storage space for groceries</title><link>http://acfblog.homeeconomiser.com/2009/03/26/creating-storage-space-for-groceries.aspx?ref=rss</link><dc:creator>America's Cheapest Family</dc:creator><description>&lt;!--StartFragment--&gt;

&lt;p class="MsoNormal" style="margin-bottom:13.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt;&lt;b&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt;Question:&lt;/span&gt;&lt;/b&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; How can I shop only once a month if I don’t have the storage space? I
would like to be able to do this, but only have one refrigerator/freezer.&lt;/span&gt;&lt;/span&gt;&lt;br&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; &lt;b&gt;Answer: &lt;/b&gt;It’s time to get creative and “invent” storage space.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="line-height:16.0pt;mso-pagination:none;mso-layout-grid-align:
none;text-autospace:none"&gt;&lt;span style="font-family:Arial;mso-bidi-font-family:
Arial"&gt; Some ideas include:&lt;/span&gt;&lt;/p&gt;

&lt;p class="MsoNormal" style="margin-left:.5in;text-indent:-.5in;mso-text-indent-alt:
-.5in;line-height:17.0pt;mso-pagination:none;mso-list:l0 level1 lfo1;
tab-stops:11.0pt .5in;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;/p&gt;&lt;ul&gt;&lt;li&gt;Put cardboard boxes or
plastic bins in available spaces. Store canned foods under a bed. Convert
unused closet space to food storage shelves.&lt;br&gt;&lt;/li&gt;&lt;li&gt;Build mini-shelves under
your bathroom sinks to store more toilet paper and personal care items.&lt;br&gt;&lt;/li&gt;&lt;li&gt;Stack wooden crates on
their sides to store canned goods, and cover them with a table cloth to make an
end table.&lt;br&gt;&lt;/li&gt;&lt;li&gt;&lt;span style="line-height: 21px; "&gt;Freezer space is a little tougher. Repackage prepackaged foods to take
up less space. We slice and repackage bulk meat so it is more compact and
easier to use.&lt;/span&gt;&lt;br&gt;&lt;/li&gt;&lt;/ul&gt;&lt;span style="line-height: 21px; "&gt; In our first apartment, we had a small 9 cubic-foot chest freezer that
also provided extra counter space.&lt;/span&gt;&lt;span style="line-height: 21px; "&gt;&lt;/span&gt;&lt;p&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-left:.5in;text-indent:-.5in;mso-text-indent-alt:
-.5in;line-height:17.0pt;mso-pagination:none;mso-list:l0 level1 lfo1;
tab-stops:11.0pt .5in;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt; If efficiency isn’t one of your strengths, ask an organized friend to
come over and evaluate options with you.&lt;/span&gt;&lt;span style="line-height: 21px; "&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-left:.5in;text-indent:-.5in;mso-text-indent-alt:
-.5in;line-height:17.0pt;mso-pagination:none;mso-list:l0 level1 lfo1;
tab-stops:11.0pt .5in;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;span style="line-height: 21px; "&gt; If these ideas don’t provide enough space, you may need to make a
mid-month supplemental shopping trip for perishable items. With some planning,
you’ll be stocking your pantry from floor to ceiling and saving “big time” at
the grocery store.&lt;/span&gt;&lt;br&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-left:.5in;text-indent:-.5in;mso-text-indent-alt:
-.5in;line-height:17.0pt;mso-pagination:none;mso-list:l0 level1 lfo1;
tab-stops:11.0pt .5in;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;span style="line-height: 21px;"&gt;&lt;br&gt;&lt;/span&gt;&lt;/p&gt;&lt;p class="MsoNormal" style="margin-left:.5in;text-indent:-.5in;mso-text-indent-alt:
-.5in;line-height:17.0pt;mso-pagination:none;mso-list:l0 level1 lfo1;
tab-stops:11.0pt .5in;mso-layout-grid-align:none;text-autospace:none"&gt;&lt;span style="line-height: 21px;"&gt;Learn more about our many grocery / money saving strategies in our audio CD: &lt;span style=""&gt;&lt;a href="http://www.homeeconomiser.com/SeminarCDs.html" target="_blank"&gt;Stretching Your Grocery Dollars Without Becoming a Coupon Queen&lt;/a&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;













&lt;!--EndFragment--&gt;


</description><category>Shopping</category><category>Saving Money</category><category>Groceries</category><comments>http://acfblog.homeeconomiser.com/2009/03/26/creating-storage-space-for-groceries.aspx#Comments</comments><guid isPermaLink="false">a19b81bd-28db-44dc-923b-1aed2327244f</guid><pubDate>Thu, 26 Mar 2009 15:15:00 GMT</pubDate></item></channel></rss>