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Girl Scout Capitalism

Who’s got a case of the munchies? Purchasing a box of Thin Mints®- our round, mint-flavored cookies with a delicious chocolaty coating- helps a girl learn money management.  She handles money, keeps records, tracks orders- activities that are essential to running a successful business. (girlscouts.org) Well, 13 year old Girl Scout Danielle Lei and her mom recently showed us all a thing or two about American capitalism when they had some Tag-A-Longs® and other Girl Scout flavors in tow for sale at a San Francisco medical marijuana clinic. We can all learn a thing or two about business from Danielle Lei.  Talk about the notion of free enterprise.   Danielle typically sold her Girl Scout cookies outside of a Safeway, but with her mom’s approval they set up shop in front of the Green Cross which is a medical marijuana clinic in San Francisco.  What happens when supply meets demand?  Within two hours on President’s Day, Danielle sold a whopping 117 ...

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Save Big, Save Little for College

For many of us, one of the biggest expenses that we’ll have is paying for our own or our child’s college education. Personally, I knew that I wasn’t going to have a “Free Ride” during college. Although I played Division III college basketball, I still maintained 4 jobs in college and used the tutoring services so that I could qualify for as many academic scholarships as possible and to pay down some of my student loans before I graduated.  According to the College Board, statistics show that over the past 30 years the average annual increase for college tuition has ranged from 3-5% above and beyond inflation(Consumer Price Index). I recently had the chance to interview Mandy Ginsberg, CEO of Tutor.com/former CEO of Match.com, about the different ways to help students save and pay for college. Below are a few tips that Ginsberg shares with our readers. “Save Big” Ginsberg says. Many people transition from paying for day care to ...

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What Atlanta’s #Snowmageddon 2014 Taught Us From a Financial Standpoint

Review and shop out your car insurance coverage often. Typically, you can shop your rates out on a semiannual basis to see if you’re getting the best deal possible.  If you were someone who was sliding around in the snow and ice and had Comprehensive and Collision coverage then your insurance will pay to repair or replace your car if it is stolen or damaged in an accident, regardless of who is at fault. Depending on your car, amount of a balance you have left on your car note, distance you commute, and cash flow you can look at ways to increase your deductibles, reduce your coverage, or you can check out my other article about taking a defensive driving class(http://www.ajc.com/weblogs/atlanta-bargain-hunter/2013/dec/04/perks-driving-defensively/) to find ways to reduce your premium. Travel with a full tank of gas. Unfortunately, some friends needed to sleep in their cars overnight and had over 14-24 hour commutes home; some inevitably abandoned their cars because they ran ...

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Local Library: You Pay for This!

Some of my clients always ask, Cristina, what do you do in your free time? Well, one of the things I do in my free time is read. I’ve actually been on this kick where I’ve read at least one new book a month. This idea came to me as I was walking in a major brick and mortar bookstore a few months ago. I had a 15% coupon and I was in there on a mission to buy a new book for some leisure reading.  As I was perusing the New Release section of the store, I realized that there were so many new books that I wanted to read but didn’t want to fork out the cash to buy  them all. I noticed  that most books were between $10-$15 and if you got a hard cover they were more in the $15-$25 range. Don’t forget e-books  are around $7.99-$10.99 as well!  It pained me to think that if ...

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Is it Worth Having a Gym Membership?

Lately, I've been thinking of canceling my gym membership. What I've found is that most people do not use their gym membership to its full capacity, especially for as much as we all pay for it. My membership is a dollar a day, which is approximately $35 dollars a month including taxes. How often do you go to the gym in a month? Is it worth $35 a month? I haven't been to the gym for about two months and I usually go once every other month and I know for a fact that I have not use it like I should. If you do use your gym membership—that is awesome, you are definitely getting your money’s worth! ...

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Craigslist Shopping – Money Saving Tips by Cristina Briboneria

It’s important that you have someone there to help you determine if what you want is something you should purchase at the store or on Craigslist so that you know you’ve made the right financial decisions. Click here to Visit or Call Oxygen Financial at 678-551-7955 for a consultation to learn more so you don’t feel overwhelmed while you’re shopping online! Happy hunting!! ...

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