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The Change Jar Has Gone Electronic

The change jar has been a staple for many years to teach people both young and old about the value of saving a buck. While most people don’t think a penny is worth much anymore, the change jar can show you the power of saving money on a daily basis simply by dropping the change in your pocket at the end of the day into a big old glass jar.   Before you know it, you can save $50, $100, or even more if you put your mind to it over the course of a few months or even the year.  Look for my change jar tips coming up in a new year’s article. For those of you who like the idea of a change jar saving by making small deposits every day, there are now a few electronic websites to help you with a small dollar saving strategy.  Try these out as well for your kids!! Smarty Pig– Smarty Pig ...

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5 Ways To Stop The Energy Vampires

Halloween is one of my favorite times of the year.   Handing out candy to all of the kids in my neighborhood never gets old, and at least one child each Halloween season is dressed up as a vampire.   Computers, cell phones, cable boxes, and printers can be the Vampires that suck up your money by giving you a bigger monthly electricity bill.  The EPA estimates that plugged in devices can suck up $100 a year or more to keep power going to devices not being actively used.   What are five smart money moves that can be used to stop the energy vampires from biting you? Suzanne Jones, Interim President and CEO of the Association of Energy Services Professionals says, “We estimate that by spending $500 on energy efficiency devices that more than $1,800 in energy savings can be generated.” Use A Smart Shower Head- There are many devices on the marketplace that will stop the water flow when the water ...

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5 Ways To Save Money At Department Stores

Gasp! Gasp! There’s nothing worse than having a white coated clinician spray some newly branded perfume on to a card and waft in your face as you gently stroll through the front doors of the department store.   You can get lost in a department store.   Some of them have three or four floors or if you take a trip over the pond to London take an afternoon to enjoy the ultimate department store in Harrod’s.   We shop at different department stores for different reasons, but here are five smart money moves tips for you if you choose to spend an afternoon trolling through racks of clothes and up and down escalators looking for a bargain. Start At The Clearance Racks– The upscale department stores are chock full of great merchandise.  Unfortunately for you, they don’t put it in the front of the store when you start shopping.  Work your way to the back of the store or to a particular ...

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5 ‘Back To School’ Ways To Save Money

It’s hard to believe that we are almost back to school.    I know some of you don’t have to start the end of summer ritual until Labor Day comes, but in Atlanta school starts in the middle of August and is just a few weeks today.   This means it is time to be a smart shopper and take inventory of everything you have in your house from last season.  Did the kids outgrow their clothes?   Is it time for a new backpack? What supplies are lurking in the back of drawer that got deposited there at the end of school last year?  While we are all trying to save a few bucks, here are some smart ideas to stretch your dollar during the back to school season. Run it through the business – If you have kids that meet the requirements to be able to work in your business, you might want to consider buying all and any of the ...

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5 Ways To Save Money On Mother’s Day

Mother’s Day is less than a week away and word on the street is that spending is up this year.    The National Retail Federal found consumers will spend 16.3 billion dollars on moms this year.    In a release from the National Retail Federation, its’ president state “on this Mother’s Day, the woman who often puts herself last is first on the list of millions.”   People get all kinds of gifts for moms.   Usually you see the staples like jewelry, perfume, flowers, and chocolates.   Children make their mothers special cards and it’s usually accompanied by a Sunday brunch at home or your local favorite restaurant.   With many people still tight at the pocket in 2012, here are a few smart money moves ideas for savings a few bucks while still doing great stuff for mom! Hunt For A Cheaper Deal– Almost every site that offers flowers is running coupon codes somewhere.  You might find the coupon from listening to a local ...

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5 Ways To Save Money On Thanksgiving Dinner

According to a report from the American Farm Bureau Federation, you’ll spend 13% more on Thanksgiving groceries than you did in 2010. The report also mentions how the average cost for a Thanksgiving dinner to feed 10 people in 2010 was $43.47 and this year, it’s expected to be $49.20.   I’m not sure what town the Farm Bureau got this data from, but I don’t think I’ve ever been able to pull off a Thanksgiving dinner for $4.92 per head.  Of course if you’re drinking two buck Chuck from Trader Joe’s than it possible to hit this number as long as nobody gets second helpings of stuffing.    With the rising costs of milk, turkey, and other consumer staples, you are likely to pay more this year if you are hosting Thanksgiving Dinner.   Here are a few tips that might save you some money and still pull off a nice meal. Go pot luck with your relatives or friends–  Ask each ...

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I like April 15th!

Within a few weeks, we will be approaching one of my favorite days of the year April 15th.   This is the last day of the official tax season unless you are filing an extension.   If you ever want to see something truly funny, park your car around 10 p.m. outside of a U.S. Post Office on the last day of tax season and watch the masses flock with their tax returns. The thing I like about April 15th is asking the question, “Did you learn anything different this tax year than the year before this one?” Each year, people seem to spend more time watching Dancing With The Starts or some other reality show than figuring out ways to save money in taxes.   By the time the 2009 tax season ends on April 15th, we are almost a trimester into the 2010 tax year.   This is the time to reflect and ask yourself what you will do differently in 2010 ...

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The Top 10 Travel Websites

Like Saving Money? Are you traveling? Looking for Travel Deals? oXYGen Financial once again bringing you the resources to do so!     The Top 10 Travel Websites: www.orbitz.com www.kayak.com www.priceline.com www.expedia.com www.tavelocity.com www.tripadvisor.com www.lastminutetravel.com www.site59.com www.hotels.com www.oyster.com Check out other Top 10 Lists : Compare Credit Card Websites , Top Ten Great Deal Websites , 10 Ways to Save Money in Business , Top 10 First Time Home Buying Mistakes , Top Ten reasons NOT to Buy Bottled water, Top Ten Late Night Cheap Eats, Top Ten Reasons To Buy A Used Car, The Top 10 College Planning Mistakes 11680 Great Oaks Way, Suite 175 | Alpharetta, GA 30022 Phone 1.800.355.9318 or 770.777.0427 Visit oXYGen Financial Here oXYGen Financial, Inc. co-CEO Ted Jenkin is one of the foremost knowledgeable professionals in giving financial advice to the X and Y Generation. Securities and Investment Advisory Services offered through NFP Advisor Services, LLC (NFPAS), Member FINRA/SIPC. Oxygen Financial is not affiliated ...

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