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by Terry M Davis

Save Money, Get Out Of Debt, And Improve Credit Rating And Score By Using Free Gift Cards Online

January 2012 in Make Money Offline And Locally, Make Money Online, Money Saving Tips

No doubt during your online adventures, you have run across ads for free gift cards online. More than likely, you have subscribed to many lists, and you’ve probably been emailed information about free gift cards. However, like so many people, you have discarded, or bypassed these offers. Did you know that you can save money, get out of debt, and improve credit by using free gift cards online?

If you wanted to buy something from BestBuy, or Target, would having a free gift card worth a $1,000 save you some money? yes, of course it would, no doubt about it because that is a hard earned $1,000 you would not have to take out of your pocket.

But how would you use free gift cards online to save money, get out of debt, and improve your credit rating and score? That answer is so simple. You simply Read the rest of this entry →

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by Terry M Davis

Money Saving Tips To Help You Stay Out Of Debt

December 2011 in Money Saving Tips

In these hard times it is more important than ever to stay out of debt and to set aside money for a rainy day. Here are some tips for getting organized and starting to save.

Allocate Your Savings as a Payroll Deduction

Decide on an amount to be taken from your payroll check and deposited directly into a savings account. This way it will be in the account before you get hold of your salary. However, do not draw out this money every time you say you need it or the whole purpose will be defeated. It helps if you can select a firm percentage of your income, say 20% of your monthly net income or 75% of your monthly disposable income, to deposit. It will not take long to have a nice little nest egg built up.

If You Have Taken Out a Loan – Pay it Back Immediately

If for some reason you need a loan for some emergency, it is important that you pay the loan back as soon as you can. This way you will avoid having to pay high amounts of interest on your loan.

Reap the Rewards of Budgeting and Saving

Put each buck you manage to save by using common sense ways to reduce your spending into a savings account. Keep an eye on the amount you are putting into the account and make sure it is in an account where your money is Read the rest of this entry →

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Avatar of Terry M Davis

by Terry M Davis

NicheMoz Is The Marketing Forum That’s Finally Getting It Right

December 2011 in Make Money Offline And Locally, Make Money Online, Money Making Product Reviews, Money Saving Product Reviews, Money Saving Tips

If you’ve been online for a minute or so, then more than likely, you’ve no doubt heard of, and probably are a member of one or more of the most popular internet marketing forums. I know I am, and I have my own set of reasons why I am a member of each of the three that I am a member, and a part of. However, there’s this one particular forum named NicheMoz, and I have to say that I believe that they are the ones who finally got it right when it comes to making money online. You see, most of the other forums want you to stick to just creating, promoting, or discussing just make money type products and programs. But NicheMoz and it’s owner Kevin T Perry realizes that just as there is more than one way to skin a cat, there is also more than one way to make money online than just make money online type products and content.

I know you are tired of seeing all the ads making all the wild claims about how to make a gazillion dollars a year just by clicking five buttons while sitting at your computer in your underwear, and other such crazy claims. Back in my days of operating a mail order business, I lost more money than I care to admit buying into the crazy claims until I finally caught on to waht was really happening. You see, back then, just like right now online, most of the people promoting products with crazy claims are not actually making money doing what they’re trying to convince you and I to do. Often times, the products being promoted is not even workable or realistic, or at the very least, they’re based on ideas and theories. For the most part, what is called internet marketing today, is really just a bunch of wannabes trying to sell to other wanabes. Dreamers trying to sell to dreamers, and the ones making money are the ones creating the dream packages.

Listen, Bill Gates is one of the richest people in the world, but does he run ads to tell you his secrets of how he is making so much money, and offering to sell these secrets for $9.95? NO! So why would you believe anyone else is raking in millions of dollars using some so called secret methods, but will sell these secrets to you for less than a mcdonald’s hamburger? It just doesn’t happen. never has, and it never will. So, these are things that NicheMoz stay away from, and keeps it real. Just like Bill Gates and the rest of the world’s richest people, NicheMoz practice the successful old time principle of in order to make money, find a need or desire, and fill it with something that is proven to work… not dreams and hopes based on unproven ideas. Sure, it may not appear as exciting as all the new shiny buttons, wild claims, and pretty graphics, but what you will find there is all for real and proven.

NicheMoz, and it’s members are all about helping one another whether you are selling or buying. When you go there, you’re going to find discussions, valuable information, resources, and tools on buying or selling proven products or services in Read the rest of this entry →

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Avatar of Terry M Davis

by Terry M Davis

How To Save $.25 A Gallon On Gas Every Time You Fill Up

November 2011 in Money Saving Product Reviews, Money Saving Tips

How would you like to save up to $.25 or more a gallon on gas every time you fill your tank? It is very easy to do when you know where to buy gas at the cheapest price in your area! Look at this example. There is a gas station less than two miles from my house, and the price of gas is currently $3.29 a gallon, and my car has a 17 gallon gas tank. However, I am running low on gas, and I also need to run to the bank to make a deposit. So guess what I do? Before I head out to go to the bank, I go online to this site that I will tell you about, enter a city or zip code into the site’s search box, and it tells me where I can find gas at the cheapest price while I am on my way to the bank. In this particular case, I found a station on my way to the bank that is selling gas for $3.06 a gallon. let’s see now… I have a 17 gallon tank, so if I fill up at this station on my way to the bank, instead of at the station near my house, I will save $.23 a gallon, and that savings comes to a total of $3.91!

Otherwise, instead of filling up near home, I fill up on the way to the bank, and I can save almost $4.00, which is over a gallon of gas more in my car for less money, and I’ll even have enough left ove after filling up to stop by Wendy’s and grab a $.99 cheeseburger, fries, and a small drink off the value menu. Well slap my boots and call me patent leather! I filled up my gas tank, and paid for my lunch, and still have some change left over by getting gas on my way to the bank, rather than filling up by my house. That’s a good day for me with money in the bank, and both my gas tank and belly full! So let’s look at this another way. I magine on your daily cummute back and forth to work or what have you… you have to fill up about every week. There are 52 weeks in a year. So, each time you fill up, you save almost $4.00. Now, 52 weeks X $4.00 gas savings = $208.00 you save every year in gas costs! And that’s not all. The site I am going to tell you about will actually give you $250.00 more on top of what save every year!

Check this out! Read the rest of this entry →

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Avatar of Terry M Davis

by Terry M Davis

When It Comes To Saving, What Does It Mean To Live Sustainably?

September 2011 in Money Saving Tips

The opportunities to be more responsible and promote a healthier and more vibrant Earth has far surpassed common household recycling when it comes to saving. Today, if you make an earnest effort to seek out environmentally friendly alternatives, there are many products and services available on the market that are Earth friendly. This is true in all areas of consumption and daily living, not just in the more well known areas that focus on green cleaning products, organic foods, more efficient appliances, and fuel conservation. So, just what does it mean to live sustainably?

Well here are over a dozen ways you can go green, and live sustainably while saving - that you may not have thought of:

1) You can find casual shoes made from hemp or organic cotton that are biodegradable. You can also find shoes made out of recycled cork, plastic or rubber.

2) There are many eco-friendly clothing lines available with fashionable garments made from hemp, organic bamboo, soy, linen, cotton and wool.

3) You can get fashionable eyeglass including reading glasses, sunglasses and optical glasses made from bamboo, as well as recycled metal, plastic and glass.

4) Cosmetics made from mineral Read the rest of this entry →

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Avatar of Terry M Davis

by Terry M Davis

Tips On Saving Money On Your Insurance

August 2011 in Money Saving Tips

Some Of The Best Insurance Saving Tips

Insurance provides “risk management solutions” to consumers to evade possible danger of financial shortfall. If you know how to buy good insurance policies, you can definitely save more money.

However, not all insurances are equal. Insurance policies may differ depending on the type of coverage they provide. So it is best to be aware of these things to avoid further charges.

Here are some of the best tips that you can find to help you in choosing the best type of insurance that you need and still cash out some great savings.

1. Do your assignment

To cut back unnecessary expenses on insurances, it is best to Read the rest of this entry →

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Avatar of Terry M Davis

by Terry M Davis

The 50/50 Solution To Saving Money On Groceries

July 2011 in Money Saving Tips

When the economy is down and money starts getting tight, it is time to think of new ways to save money, especially when it comes to saving money on groceries. However, just what ways can you save that will not impact your lifestyle too radically?

Generally, the first thing people do when trying to save money is to cut out their favorite things and either do without or replace them with cheaper items. However, another option is to try a 50-50 solution. This article will get you to thinking about what you have in your life that you could change slightly and still have your favorite things.

“The 50-50” solution to saving money on groceries is simply Read the rest of this entry →

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