Poor Man’s Guide to Low Tech, Low Cost Eco Friendly Methods of Saving Money
Washington won’t eliminate our dependence on foreign oil or price gouging by the utility companies. Our free 30-page guide will help you to save money & the environment – average savings=$175 a month.
Energy Efficient Updates can help you save some big CASH!
Not getting this is like leaving money on the table.
It’s Free& it will help the Environment. Click on the Poor Man Free Reports folder, then the PM Eco Guide PDF
www.poormansurvivor.spaces.live.com/
Saving Resources in Uncertain Times
In these uncertain economic times, financial scams are proliferating and an industry association has offered tips on how consumers can protect themselves and their families from this type of fraud.
The National Association of Insurance Commissioners says the fraudsters prey particularly on those who, faced with tightening domestic budgets, are looking for ways to save on insurance costs. Read more at Bob Livingston’s letter.
http://www.personalliberty.com/news/experts-discuss-ways-to-avoid-insurance-scams-19215583/
There are also many scams out there from firms enticing people with offers of getting ‘nearly’ guaranteed sources of free money or grants. Grant money is available, but not as easily for mainstreet individuals (disabled, poor senior citizens, are exceptions). Read more at the new mini-grant resource course at:
http://www.poormansurvival.com/freemoney
Live simple
by John December. Radical tactics to reduce the clutter, complexity, and costs of your life.
http://www.december.com/simple/live/
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http://www.ecobrain.com/index.php?affiliate_id=1891
3/50 Project…grassroots group promoting local support/shopping of merchants.
This will help stabilize local economies. According to its organizer, Cindy Baxter, if half of the employed population spent a mere $50 monthly among locally owned retailers, it would generate $42.6 billion in revenue.
http://www.the350project.net/home.html
The Imaginary Middle Income
2007 U.S. Census Consumer Income report, issued in August 2008, says:
Real median household income in the U.S. is $50,233. In other words, half of the households in this country make more and half make less.
Households headed by married couples have a median income of $72,785.
And the top 20% of households in the U.S. earn more than $100,000, with the top 5% of households earning more than $177,000.
According to the Employee Benefit Research Institute, the average worker contributes about 7.5 percent to their company retirement plan. That means the average couple is saving $5,400 a year toward their combined retirement.
Other real-world numbers back this up. At the end of last year, the median balance of a 401(k) plan was $18,942.
A minority of folks have less than $10,000 socked away. Even fewer people (19 percent) have built up 401(k) balances worth $100,000 or more.
Of course, this assumes both of the couples are still working and doesn’t take into account the much higher cost of living and taxes…that will eat up the majority of their income AND if they have children, their average monthly grocery bill alone can be $6-800 a month. (see how to save money on groceries using the above referenced story on coupon mom).
As I’ve pointed out before, the days of conspicuous consumption will fade. We’re already heading into a paradigm shift to simple living or a minimalist philosophy.
That means slower growth for some time to come.
Plenty of U.S. citizens are simply going to scrape by, barely making ends meet because of decisions they made in the last decade. They're going to have to re-evaluate their household budgets just to survive.
Save by Using the Coupon Mom
Cut Your Grocery Bill in Half with The Coupon Mom! System
What if I told you that you could get hundreds or even thousands of dollars a year, without having to get an extra job? Without having to sell products to your friends and without having to work longer hours? What if I told you that you could get this kind of extra money by spending only 15-30 minutes a week using a simple system that is available absolutely FREE? Would you be interested in learning more? If your answer is yes, keep reading.
The average household spends between $6,000 and $10,000 a year on groceries. But there are thousands of shoppers who save as much as 50% on their groceries every week by using smart strategies at the grocery store. I call them “Strategic Shoppers” and they are saving $3,000 or more every year on their annual grocery spending by knowing how to use common savings programs to their advantage. However, in order to save this kind of money they may spend hours a week studying sales flyers and organizing coupons to get the best grocery deals every week.
The good news is that you can be a Strategic Shopper and save an enormous amount of money on your groceries each year without spending hours a week searching for bargains and cutting out hundreds of coupons you will probably never use. In fact, you can easily save thousands of dollars a year by taking advantage of the free “Coupon Mom System” and strategic use of sales and coupons.
To read the rest of the story and to get your free copy of Cut Your Grocery Bill in Half
http://www.couponmom.com
Quick Household Hint
Use a quick spritz of cooking spray to:
· Prevent dirt from caking on garden tools
· Keep dead bugs from adhering to your car bumber
· Helps keep cat litter from clinging to the box
· Loosen a sticky lock
· Remove stickers from glass and plastic
Most dollar stores carry off-brands at substantial savings.
Finally…
For the most part, people remain tremendously unprepared for personal hardships ... and the road to substantial economic recovery will likely be long and arduous.
We still hear the politicians and bureaucrats screaming "democracy" and "the Constitution," which has finally begun to irritate those who know the truth: That we have come under socialistic domination. Who will deliver us? Have we failed in taking responsibility for our own survival and the future of our children?