Purchasing items out of season

When you really want to save money it is best to buy items that are not in season. Spring and summer clothing are on sale as winter approaches. It is hard to buy clothing and wait to wear it but you can save a fortune if you take the time to look for the clearance rack. I have been able to find some great buys for next years Spring and Summer wardrobe. If you like to shop then pick one day a month that you can go to several of your favorite stores and check the clearance items. the time is worth the money that you will save.

The same is true for gardening supplies. Now is a great time to order plants and seeds for next years garden. With all the reports of listeria, a bacteria that was found on cantaloupes and other fresh vegetables making people sick and even killed some now is the time to grow your own foods. Prices at the grocery store continue to rise and fresh foods from your own garden will save money especially if you purchase the seeds now.

Purchasing seeds this fall helps by getting seeds started in February saving you from buying expensive plants next year. Another good reason to order items now is that they will not send the item until it is time for your area to plant it. This is a good reminder of when to plant it if you are new to gardening. A smart gardener buys sustainable seeds so that he can use the seeds in next years garden. 

The person that plans ahead of time when it comes to major holidays or seasons is a person that can really save a lot of money in this recession. Now is not the time to buy Halloween items as they will be very expensive. If you can wait until the season is over with you can buy twice as much with the same amount of money.

Purchasing Christmas presents now may save you some as the early shopper gets the merchandise and no last minute disappointments. If you are a person that waits until the last minute it may actually be better to wait until the day after Christmas to shop. I have found that certain products are almost 50% less the day after Christmas.

Now is not the best time to buy Christmas decorations but I have noticed that mass merchandisers are worried about a slow year so some of the items are priced lower than usual. Take advantage of any deals you can get and use this recession to your advantage by buying early or after the event has occurred.

Another way to save money is to buy items at a garage sale or auctions. I have purchased a brand new riding lawn mower at a garage sale paying half of what the store sold it for. You also need to know that you can barter in certain stores if you make the effort. Sometimes it works and sometime not. Being at the right place at the right time also helps. Practice up on your bartering skills as it is a talent and will work if you make the effort.

Thinking ahead really does pay off so plan next year this year. Right now is a good time to think of the 4th of July or summer needs like picnics and camping. Just remember that in the world of shopping it is better to plan for next year so you cans save money today.

Save on water and electricity

Opening my monthly water bill about made me have a heart attack last month. A month of water usually runs two people about $28 dollars. This particular water bill was $103 and it was all due to a small leak or should I say large leak around the rubber stopper of the stool. It is hard to believe that we used 25,000 gallons of water that month. Make sure to fix any leaks even if it is just a drip.

We work too hard for our money to give it away to the water company. Also turn off and unplug any items you can. When a can opener or anything is plugged in even when not running it draws some electricity. After we did this for one month we notice a big savings in the electricity and water bill. Try it and you will see a difference.

E-mail marketing is not the way to advertise

When you surf the internet to purchase a product do you go directly to the site or do you search for a better price at some other place. I had a phone call from a business that wanted to set up a website for me for the low price of $39 and all had to do was pay hosting and advertising for my site. Purchasing an e-mail list can get very expensive and this form of advertising is ineffective.

They were not as pushy as some of these work at home businesses but what they were going to do was take care of all the technical stuff like adding Amazon.com and other major companies so I could become an affiliate and earn a commission off all my sales.

First of all setting up a web page has never been easier and this can be done without much technical knowledge if you can follow directions. What is difficult is the and also the most costly part of starting an on-line business is advertising your site and getting traffic to your site. E-mail is now one of the newer methods of advertising new and old businesses. Have you noticed your in-box lately and how many unwanted advertising is coming to your in-box.

Recently I have been getting more e-mails in my in-box from businesses from all over the world in attempt to advertise or market their sites. I had approximately 200 e-mails in one day and this is irritating enough that I just deleted them without even reading one of them. This form of advertising is having the reverse affect that it was intended for. Businesses are spending a fortune to purchase lists of e-mails and they are getting scammed.

To save time and my delete button I have made a new free e-mail address that I am sending out to all my creditors and personal family and friends and no one else will get this address. I hope that this will end up saving me precious time daily by not having to sift through the unwanted e-mails or spam forever.

This is a message to all the companies that think they can advertise by e-mail it is not working. If I want to buy something on-line I will look for the products on my own and not because you sent me an e-mail. Advertising e-mails are as irritating as most commercials are on television. I would rather save money on the product than raising the price of your products to advertise in this manner.

Think about how much time you are wasting from sitting at stop lights, watching commercials and scanning through unwanted e-mails. What do you think is the best way to advertise a business today? I personally think there are more creative ways to sell the public a product and that is by saving the consumer money.

E-mails can and will be held against you. (Up front: news, trends & analysis).(Judge rules that e-mails written by a J.P. Morgan Chase & Co. senior staff ... article from: Information Management JournalTHE 10 RULES For Evaluating An E-Mail Management Solution.(Buyers Guide): An article from: Customer Interaction Solutions

Report annoying calls or scam artist

What is more annoying than a prank call, telemarketing call or even worse a phone call from someone that is out to steal your identity. Today I found a great site to block, report or check out unknown phone numbers to see if they are on the call list of known scams or spammers. Today everyone needs to be careful what information you give out and no one wants unwanted calls from anyone especially on your cell phone when you are paying for the calls or messages.

This link http://www.everycall.us/ can help you see who is calling and you can report those irritating calls that may help someone else not get scammed. By reporting these calls everyone may be able to stop these thieves. This is a totally free service that can help stop, check or alert others about spam calls.

It also has information about getting on the "Federal no call list" and the State no call list. I recommend this site to anyone that needs to check a number out and/or report harassing phone calls. Working together we can block or stop those unwanted numbers that waste your time and money.

Ways to save money and put the scam artist out of business

Being 55 and without a job at this age makes it difficult to live. This is one way to saving money over age 55 . This site will give you some ideas on how to save $10 everyday. I found it to be very informative and  the information is totally free. There is one thing for sure and that is today you can get a lot of information for free if you have the internet.

On my other blog I have a web address of how to get employment if you are disabled and it is also free. FREE should be totally free with nothing attached. Not even your e-mail address. I have decided to block all senders to my e-mail account as there are too many greedy people on-line ready to take your money and your identity.

It is really a greedy world so make sure to check all e-mails out that offer anything before you click on them and do not believe everything you read. Sorry to be so negative but the scams are out of control. Check out my other blog post so I do not repeat myself anymore. Free help and job information for the disabled

May God bless the honest people of this world.

Gardening products planning ahead for 2012

Prices of food are not going down anytime soon according to news reports. Planting seeds for tomato and pepper plants save you more money for a garden in 2012. Seeds cost less than plants so think ahead and grow your own plants next year. 

Buy Winter Items & Save

Winter is almost over and spring is on our minds. This is a great time to save money by purchasing the winter sale items. All winter items are on sale at this time of the year. Buying seasonal products after the season has just ended can make you the smartest shopper and save you money in the long run. Just after a holiday is over you can purchase many items at a savings of 50% to 75%.

I was surfing the internet for space heaters that was on it's last leg. That is when I came across beautiful lines of plug-in fireplaces that could be a great replacement for my old space heater. Always wanting a fireplace I thought how great it would be to invest in a plug-in fireplace. I like the romantic and homey feeling a fireplace brings to your home.

After doing some research I was amazed at all the new designs and the prices were great. I would not have to wait until next winter to use it which even made me more interested as I am a person that to likes the instant satisfaction of using the product immediatly. The addition of a fireplace would add great focal point to my living room and add the extra heat I needed.

With the variety of unique styles, designs and colors finding one that would fit my room was easy. Saving money on electricity, creating a source of heat and changing the looks of my room provided me with both of the solutions I needed.

They have ones that hold big screen televisions and have places to store knickknacks. They also have one that show flames and crackling sounds of the fire but put out no heat. If you don't have a built-in fireplace and need to replace your old space heater take a look at the beauty of a plug-in, beautifully designed and versatile fireplace that saves you money in the long run. 

Many sales are going on now as the winter season comes to an end so you better hurry before the price starts to change. This is a win-win situation. The Dimplex and Heat Surge fireplaces have some hot deals but there are many other companies that I did not pursue as I found what I wanted.

A Major Snow Storm Is A Good Day To Pick Up The Seed Catalog

"Global Warming" if you believe that theory doesn't apply to today. As I stare out the window I see the snow blowing and it just keeps coming down. The temperature is to be -9 degree's tonight and with the windchill of 50 mph I will stay inside warm and safe. Luckily I do not have to be driving in it. If you are driving please be safe and take no chances. Make sure you have a scrapper, snow tires and emergency kit in the car.

Slowing down will save you time and money in the long run. No wreck and you are happy, your insurance premium does not go up and life is not interrupted. One wreck creates a great loss of time and energy in the future. I have been involved in a wreck and I was lucky to be alive. This was a great loss of time and a pain in the neck even though it was not my fault. 

Even with the snow I am still remaining positive and planning my garden for the Spring that will come soon. If you are enjoying a day at home in front of the television it is easy to grab that seed catalog and dream of the season that is promised to come. My mind has the perfect garden I just hope the weather will cooperate.

At least I have a garden hose, knowledge and can somewhat control the conditions that mother nature can throw at me sometimes. Hail storms are another story but we will discuss that at a more appropriate time.

Hopefully the groundhog will not see his shadow. Even though we know he is wrong about 70% of the time. Remember February is short, 28 days and then March. In Kansas, March comes in like a lion and goes out like a lamb or at least we hope.