Stash more of your cashWhen it comes to saving money, the tried and true methods of budgeting often prove to be most effective. Whether it be depositing loose change into a money jar or committing to the "envelope system" every month, I think it is safe to say we've all learned a thing or two about penny-pinching from the generations that came before us.
Another old-fashioned trick that's regaining popularity? The "Five Dollar Savings Plan." The plan itself couldn't be simpler - every $5 bill that comes your way goes into a special shoebox or coffee can, preferably stored in a place that won't tempt you to dip in when you need a little cash. After an allotted amount of time, count your $5 collection and prepare to be shocked by how much the stash adds up to!
Related: How to build a budget worksheet
People young and old swear by this plan for several reasons. A big one? The unexpected pay out. While this plan follows the same basic structure as saving coins in jar, the $5 bills add up with satisfying speed.
Blog Posts by All You Magazine
Stash more of your cashWhen it comes to saving money, the tried and true methods of budgeting often prove to be most effective. Whether it be depositing loose change into a money jar or committing to the "envelope system" every month, I think it is safe to say we've all learned a thing or two about penny-pinching from the generations that came before us.Read More »from The Easiest Budgeting Plan Ever
No small change! These things can really dig into your budget.*Thanks to the drought affecting much of the United States, food prices continue to rise. Last week, we mentioned an increase in produce prices, particularly corn and soybeans. Now, both beef and poultry prices are expected to increase soon, with beef prices rising 4 to 5 percent.Read More »from Three Things Making You Poor This Week
AND SOME GOOD NEWS: You may not have control over rising beef and poultry prices but you can keep your grocery bill steady by purchasing and consuming less meat. Here are a few tips on going meat-free (even a day of vegetarian meals will help) and some easy meatless recipes. Not sure you're ready to take the plunge? Use these tips to stretch out grocery staples.
*If an amazing offer to go the 2012 Olympics appears in your inbox, beware! With all the hype of the approaching games, scammers are taking notice and sending emails with the sole intention of stealing your information--and your money. So far, 124 scams have been detected. Many of the emails are disguised as being from the Olympic games themselves,
- All You Magazine | At Home – Tue, Jul 17, 2012 10:28 AM EDT
Why buy what you could make at home?Dishes, silverware and glassware come out shiny and clean thanks to this simple three-ingredient powder containing antibacterial grapefruit essential oil.
Prep: 4 min.
Yield: 32 oz. (enough for 32 loads)
- Rubber gloves
- Measuring cup
- Mixing bowl
- 32-oz. lidded plastic container
- 2 cups washing soda
- 2 cups borax
- 25 drops grapefruit essential oil
Put on gloves. Add washing soda, borax and oil to bowl, stirring with your hands to mix and eliminate clumps. Transfer powder to plastic container. Use 2 Tbsp. detergent per wash. You also can add 1 tsp. vinegar , if desired, to the rinse cycle to prevent spots on silverware and glasses.Read More »from DIY Anyone Can Do: Make Your Own Dishwashing Detergent
Buying a dishwasher? Check out our buying guide
When life gives you lemons, why not whiten your nails? We've got 13 genius uses for this inexpensive citrus fruit. Read More »from What a Lemon! 12 Uses for Lemons
1. Whiten Nails: Cut a lemon in half and rub on your nails for about seven minutes. The acidity will help remove any yellow tint.
2. Soften skin. Combine lemon zest with sugar and soak the mixture with olive oil for 30 minutes for a homemade body scrub. Give a little extra TLC to dry patches on the elbows, ankles and knees.
Related: 11 Uses for Petroleum Jelly
3. Add sunny highlights. Want to lighten your tresses a notch or two? Mix lemon juice with your favorite conditioner and apply to damp locks before heading out to catch some rays.
4. Fix a streaky tan. To lighten a botched self-tanning job, rub a halved lemon over the area.
5. Zap Zits. Try lemon juice on blackheads at night to clear up skin Gargle with lemon juice and water to kill odor-causing bacteria, or suck on the lemon wedge served with your water.
Get six more uses for lemons on AllYou.com
Read More »from Four Things Making You Poor This Week
No small change! These four things can really dig into your budget.If you're renting a home, you may want to watch your wallet. In the 12-month period that ended June 30, U.S. rental prices rose an average of 5.4%. According to CNN Money, increased costs can be attributed to demand from former homeowners displaced by foreclosure and potential homebuyers who failed to qualify for mortgages.
AND SOME GOOD NEWS: With mortgage rates at a record low and home prices decreasing, now is a good time to consider buying a home instead of continuing to rent. If you're not ready to take the plunge and buy a home just yet, a new job could help make paying rent a little less of a financial burden. While it's not exactly wonderful, the job market did perk up last month. Claims for unemployment benefits fell, fewer individuals were laid off, and private businesses added 176,00 jobs in June.
This year, it's more expensive to own and operate a vehicle than it was last year. AAA recently released their 2011 Your Driving Costs report, which found that the cost of owning
- All You Magazine | Work + Money – Fri, Jun 29, 2012 1:22 PM EDT
Save hundreds of dollars over the course of a year with these common household products that do the same job as your pricey favorites for much less.
1. Swap: Shaving cream for hair conditioner
Save: About $4
Why? Shaving cream creates a layer between the razor and your skin while protecting from nicks and cuts. But conditioners work just as well, and they moisturize while you shave.
2. Swap: Dry shampoo for baby powder
Save: About $8
Why? If you don't have enough time to wash your locks, rub baby powder into your roots. Massage it in well, then brush it out. This trick also gives flat, greasy hair more oomph.
3. Swap: Body scrub for epsom salts
Save: About $10
Why? A bath with Epsom salts can help ease stress and tension, but did you know that these salts also can give you smooth, radiant skin? Simply mix a handful into your body wash (or a spoonful into your face wash). It sloughs off dead skin and revives your complexion instantly.
4. Swap: Styling cream forRead More »from 19 Simple Household Swaps that Will Save You Money
- All You Magazine | Work + Money – Thu, Jun 21, 2012 4:25 PM EDT
Are you taking a trip this summer? Consider putting a hold on some of your monthly services to save enough to offset the cost of some of those souvenirs and restaurant meals.Read More »from Take a "Bill Vacation" - 6 Bills You Don't Have to Pay
Services to Suspend
YOUR PHONE SERVICE: Ask your wireless or landline provider for a voluntary suspension- you'll still have access to 611 and 911. Also turn off your smartphone's data-roaming and auto-check functions to avoid paying for e-mail that comes through if you're traveling abroad.
YOUR CABLE SERVICE: Depending on the provider, you might be able to put this on hold, or score a "seasonal plan." If not, see if you can switch to a more basic, lower-cost plan during your vacation.
Related: Lower (or eliminate!) your cable bill
YOUR DIRECTV: As long as you don't have a balance on your DirecTV bill and aren't ending service for more than six months, it won't cost you anything to suspend it. Remember to ask before you act. When you request a hold on your services, find out if there are any fees or any time
Why buy a medicine cabinetful of products when that humble tub you have on hand can do so many jobs?
1. REMOVE EYE MAKEUP: Coat your lids, then gently swab with a tissue.
2. HIGHLIGHT CHEEKBONES: Fake a model's bone structure by patting and blending a tiny amount across cheekbones. The shine attracts light and creates a contoured effect.
3. GLOSS YOUR LIPS: Add red food dye-or tastier cherry Kool-Aid powder-to a dab of petroleum jelly for instant lip color.
4. INTENSIFY EYE SHADOW: Morph your powder shadows into creams for a more pigmented color (prime your lids with foundation and translucent powder first to avoid creasing).
Related: Our favorite editor-approved drugstore mascara
5. GET AN EVEN TAN: Dry skin tends to soak up excess tanning lotion, leaving skin splotchy. Smooth on petroleum jelly before tanner.Read More »from Beauty Secret Weapon: 11 Uses for Petroleum Jelly
Related: 6 Beautiful Uses for Lemons
6. PRESERVE YOUR FRAGRANCE: Dab on pulse points, like your wrists and the sides of your neck, before spritzing on
- All You Magazine | Work + Money – Thu, May 24, 2012 5:39 PM EDTRead More »from Buyer Beware: 8 Grocery Spending Traps and How They Are Costing You
1) Bottled water - Save $1,300 a year
If you buy a $1 bottle of water every day, that's $365 a year for one family member. Even if you buy in bulk, you might be spending upwards of $100 annually per person-and a bottle is only one quarter of what you should drink daily.
INSTEAD: Add a filter (about $30) to your tap and you can enjoy clean water in your glass and your kitchen. For fresh water on the go, pick up a self-filtering water bottle (for as little as $10).
2) Home phone line - Save $516 a year
It's time to ask the basic question: Do you really need your home phone? These days, cell-phone providers offer mobile-to-mobile plans (as well as free nights and weekends), and wireless Internet is more affordable than ever. Why should you keep paying extra for a secondary line you rarely use?
INSTEAD: Consider putting the estimated $43 a month in savings toward your family's mobile bill. Not ready to make the switch? Here are 10 ways to lower your phone bill.
3)Read More »from 14 Everyday Things that Are Costing You $10K