Natural Gas Rates are at their lowest levels in years, and locking in a fixed rate for winter can save you money.
After this long hot summer, it’s hard to remember what cool temperatures …

Summer Time and the sippin is easy!  During the long summer days and nights several wines become instant hits because they are crisp, refreshing, low in alcohol and seriously delicious.  In …

Didn’t you always wonder what your next door neighbor spends on their money on every year? Or maybe you were curious on whether you spend more or less than you should …

Top 10 Most Overlooked Tax Deductions
Ted Jenkin, CFP®, AAMS®, AWMA®, CRPC®, CMFC®, CRPS®
Co-CEO and Founder oXYGen Financial, Inc. Request a FREE consultation: www.oxygenfinancial.net
Get the most out …

I am all about saving money, and here are some of the items I think you will be able to find deals on in the month of January:

Jewelry
Bedding
Furniture
Calendars
Toys

If you have more . . . leave …

Attention all speeders! Effective January 1st, 2010, the new Super Speeder Law takes effect in the State of Georgia. This law on interstate highways could cost you as much …

I recently stumbled across a cool website call www.taxi.to. Here is how it works. You enter your travel information including name, e-mail, flight number, date of travel, and …

Top Ten After Christmas Shopping – Savings and Deal Websites

This is not a be all end all list, but a few of my favorites:

Black Friday Is Coming – Some of love it. Some of us don’t. Black Friday is the one day of the year where you are supposed to get the deals of a lifetime. It is the ultimate early shopping day known as Black Friday which is the day after Thanksgiving. If you are ready to wake up at the crack of dawn, you may be able to go down to one of your favorite stores to find the lowest of bargains in the market place.

If you are concerned about your cell phone bill, it may be time to take a trip into your local vendor. I have been in the habit now of taking my phone (and family plan) into my cell phone provider quarterly to run a diagnostic on the bill. Some vendors will allow you to do this exercise on their website when you log in as a customer. If your vendor doesn’t offer that service, then take it in to the store. With plans changing all of the time between voice, data, and more, this could be an easy way to help you shave some expense money off of your monthly bills.

The Complete Stain Removal Guide. The Basics of Stain Removal…

1. TAKE QUICK ACTION – The sooner a stain is treated the better. Time can “set” stains. Almost any stain can be removed if action is taken quickly enough, however almost any stain will become permanent if left untreated too long. Ideally, all stains should be treated within the first 24 hours.

2. BLOT & SCRAPE – Whenever possible, immediately after the stain occurs, blot up any excess liquid with a paper towel or clean white cloth. Scrape solids from the fabric if the stain is dry. Try to remove as much excess as possible before further stain treatment.

We have seen that natural gas rates are at an all time low. Here are some points that I thought I would share with you for those in the state of Georgia around your natural gas bills, and the upcoming winter season ahead of us.

Point 1: With colder weather setting in, it’s a good time to think about fixing your natural gas rate

Generally speaking, 6- and 12-month fixed rates are lower than variable rates right now. Based on natural gas futures prices, this is likely to remain the case through the winter when most customers’ usage increases dramatically. With rates now starting to rise, fixing your natural gas rate is an easy, effective measure that consumers can take to manage their household budgets this winter. And that leaves more money in your pocket.

You can get 150 free frequent flier miles – Click Here from American Airlines by watching a two-minute video for Bose headphones.

Here are three things to think about with your current credit card:
1)      If you pay your bills off every month, you need to find a card that will help you earn rewards or cash back.   …

Maximize your clothing investment by following these 4 guidelines

Buy the Best Suit You Can Afford
Most professional clothiers will tell you it is better to own 1 …

With the economy tightening, and many people living paycheck to paycheck, we are seeing a return to more roommate situations to share expenses.   This can range from the traditional 2 bedroom apartment, to a single …

You lost a piece of your luggage, and it could not be found. You not only lost your luggage, but two of your favorite shirts and your best cologne/perfume. What happened to all of your stuff?

It ends up in a warehouse called the Unclaimed Baggage Center in Scottsboro, Alabama. This original concept began in 1970 when founder Doyle Owens had an innovative idea, 300 dollars, and a used pick up truck. Today, the store offers a unique shopping experience and the opportunity to discover lost treasures from around the world! The store occupies over 40,000 square feet, and stocks over 7,000 items.

In October, the IRS will go about announcing how much you can put in your 401(k) for 2010. For 2009, the maximum contribution is $16,500 for people under 50 years old, and $22,000 for people who are over 50 years old. Generally, the calculation is based upon the 3rd quarter inflation rate vs. the inflation rate one year ago.

Health Savings Accounts (HSA’s) were approved by Congress in 2003—part of the largest expansion of government intervention in medicine in 40 years—and became law in January 2004. Almost six years later, most American still don’t understand their health insurance choices. You can’t overlook considering whether an HSA is right for your family. Remember that an HSA is a different plan than the Medical Savings Accounts (MSA’s) which were introduced in 1996.

I recently took my family to go see one of the new animated movies. I didn’t realize that the main animation would be at the ticket office. With the price being $13 for an adult ticket, and $11 for children, we were out roughly $60 before we even entered the theater. For some of you, that may be a weeks worth of groceries!

To be a good CEO of your family finances, you need to begin thinking about having a quality financial plan. Your income statement is one very key part of the heart and soul of your company. We know that you will have to make purchases, and every month I’d like to bring you the items in that given month which should be on sale. Since most of our family financial decisions are either reactive or impulsive, having a good list on your calendar about when to purchase an item may help you pocket additional money every year.

It won’t be long before it is holiday time, and people will be looking for stocking stuffers and gifts to get for the family. One great website I found and use is called www.1saleaday.com. It is very simple as each day it only sells three items. One item is in the wireless area, one in the watch arena, and one deal of the day that is randomly selected. Recently, I purchased a Field and Stream men’s black rubber watch that typically retails for $34.99 for less than $10.

One great website I found and use is called www.cellfire.com. It is a really cool digital coupon site that works geographically based upon your zip code. Once you have downloaded the program from the internet, all you have to do is show the cashier the coupons, and it is easy as that. Locally, large chains such as Kroger grocery stores and Hollywood Video are participants of the program. In your area, there may be other local vendors that are on the network.

Should you finance your company with a credit card?
Haven’t we learned anything yet? There is always a price to pay when you borrow debt.For every $1,000 in unpaid credit card debt, a start-up business increases the probability that it will close by 2.2% on average compared with having no such debt, economics researcher Robert H. Scott said in a report released this month.

9 financial tips for Generation Y. Perhaps not surprisingly, more than half of employees between 21 and 32 say that they’re living paycheck to paycheck, according to a recent survey by insurer Metlife. Nearly three-fourths of respondents are concerned about making ends meet.

Fortunately, you can get off to a sound financial start with these nine tips.

Beginning this month in August and future months going forward, the credit card accountability responsibility and disclosure act will go into effect and it phases in over roughly the next 13 months. There are many different mandates, but I wanted to share 10 with you that I thought would be of significance as you plan your personal finances.

Take your lunch to work just one more day per week than you do now. I know that eating out lunch is a lot of fun, so I wouldn’t recommend cutting it out entirely. It will take you a lot of discipline to eventually make that habit stick. However, with the average cost of going out to lunch being approximately $10 dollars, this could help you save $40 more per month by bringing in your lunch one day per week.

Money Advice From The Money Guys At oXYGen Financial – Entertainment Books

Get an entertainment book for 2009. With our busy world of hustle and bustle, we are always out and about doing chores and errands.   …

After Holiday Shopping = Savings all year long! Money Advice from the Money Guys at OxygenFinancial – Atlanta Financial Experts Ted Jenkin and Kile Lewis

Money Advice from the Money Guys at oXYGen Financial – Entertain your Wallet

Get your DVD’s from a local library. Today’s local libraries have much more than a few children’s books and romance novels. Instead of going to one of the major video rental stores to get your videos, you should really check out your local library.

Drink your morning cup of Joe at work. With all of these fancy gourmet coffee shops, it can really dip into your wallet if you stop to get your morning coffee there every day. By skipping the upscale coffee house and drinking it at work you could save approximately $400 per day or $20.00 per work week.

Money Advice From The Money Guys At oXYGen Financial – New vs. Used Cars

Money Advice From The Money Guys At oXYGen Financial – Bundling Services

Visit oXYGen Financial – Atlanta’s Premiere Financial Solutions
Combine your cable, internet, and telephone service. I used to have three separate carriers handling all three …

Hey folks, with everything that’s going on out there it’s important that you figure out how to save every dime that you can. So, I’ve got five money saving tips for that you can use right now. oXYGen Financial