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If you have decided that you want to try new restaurants, services or visit different stores, before you go, you could us a Groupon. What is a Groupon you ask? Groupon is a growing deal-of-the website that has deals in major cities around the United States. The way it works is if a specified number of people sign up for the deal-of-the-day than the deal is available for everyone. You win by getting a great deal, the store wins by getting customers and Groupon.com wins by getting a cut from the number of Groupons sold.

Before you purchase a Groupon, be sure to visit the website and read the disclaimer of the company that is offering the Groupon. After you visit the site you may realize they don’t have anything you want. And just because they offer a Groupon, it doesn’t necessarily mean it a deal. Sometimes when you do the math you are only saving a few dollars than if you would just purchase at the store or restaurant.

Another great thing about Groupon.com is that if you have any questions about the deal you can ask a representative who is usually available between 9am to 5pm. All questions and answers are posted on the discussion page and may help you decide if this deal is for you.

So if you want to try a new restaurant, store or service, First go to Groupon.com, they may already have a deal waiting for you.

I know you have heard it before so I will say it again! It’s never to late to save and no amount is too small. To me, savings is like exercising and eating healthy. You know you should do it but its difficult and where do you begin. I’m am going to show you how saving a small amount does pay off using this Simple Savings Plan.

Start by saving $5 per week.  You can either go to the bank directly or it would be easier to have it taken out of your account the same time every week. If you get paid every two weeks then save $10 per pay check. When you begin, its important to make the savings so small that you won’t miss it too much.

Then, after one year of saving only $5 per week, increase the amount by $5. So, in your second year of the Simple Savings Plan, your are now saving $10 per week or if you get paid every 2 weeks then its $20 per pay check. Just think what may have happened throughout that first year. You may have gotten a new higher paying job, a raise or paid off a debt. If so, then savings an extra $5 a week isn’t much!

At year three, increase that amount by an additional $5. You will be saving a total of $15 per week by the third year of the Simple Savings Plan. Do you get where I am going with this? By the end of year three you will have a total of $1,560. If you follow this routine for ten years, you will have about $14,300 and that’s not including interest.

Just to recap, here is the plan:
Year 1 – $5 per week = $260
Year 2 – $10 per week = $520
Year 3 – $15 per week = $780
Year 4 – $20 per week = $1040
Year 5 – $25 per week = $1300
Year 6 – $30 per week = $1560
Year 7 – $35 per week = $1820
Year 8 – $40 per week = $2080
Year 9 – $45 per week = $2340
Year 10 – $50 per week = $2600

Grand total of $14,300 plus interest!
I know this amount is nothing to retire on but its a start.

The Sunday paper is the most important paper of the week. In the Sunday paper, not only are there a large selection of stories to read, you also have hundreds of dollars of savings at your finger tips. These multicolored and sometimes oddly shaped savings passes are called coupons and can be redeemed at any participating store. As long as you use a coupon that is equal to or greater than the price you paid for the Sunday paper, you broke even. Some Maryland Dollar Tree stores sell the Sunday paper for just $1 on Friday, Saturday & Sunday but you have to get there early because they sell out quick.

Participating stores can also double or triple coupons up to $1 so keep your eyes open for these extra savings. One common mistake is to use the coupons to purchase items that you may not want. You should only use them to purchase items that you would normally use or want to try. Once the coupons are cut, try to keep them organized to make it easy. Just remember that every dollar you save now using a coupon, goes toward something else you may want in the future.

Every time I mention to someone that I don’t have air conditioning, I see a shocking then sorry look appear on their face. No need to feel sorry for me because I actually choose NOT to have it. Since I can remember, I never liked the feeling of processed air and now as an adult, I don’t like the cost of it either. To me, cost should always the deciding factor when it comes to luxuries like air conditioning. So at this time it’s really not worth having.

On the Sunday Morning Show, Mitch Butler & Josh Landis of “The Fast Draw”, made a creative two-minute cartoon called Air Conditioning. It was about how hot summer days could be good for you! Studies show that people who work inside air conditioned offices catch colds and go to the doctors more often than people who work outside. I was aware that you can burn more calories when its hot but I never even thought about how the cold processed air inside could make you eat more!

So just by being money conscience (aka cheap) and not using air conditioning in my home, I have not only saved money but possibly become healthier and saved myself from gaining a few pounds.

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