Use Your iPhone to Spend Less!

The iPhone has tons of cool free apps that make it simple to save some cash. Check out some of my favorite iPhone apps and start saving money today!

• GasBuddy - find the cheapest gas on the go! Locate gas stations near you and see their current gas prices.

• I Love Free Things - quick and easy access to free samples and freebie offers. For example, I often take advantage of their weekly list of promo codes for free Blockbuster Express movies!

• Yelp - save time (and money) by checking out local reviews of where to eat, shop, drink, relax, play, etc..  Some merchants even has special deals just for Yelpers!

• ATM Hunter - locate nearby ATM machines that won't charge a fee. Plus it gives you helpful tips on how to be smarter with your money and safer at ATM locations. 

• Craigslist Mobile - find (almost) anything you want and need in your budget on Craigslist on the go! 

• RedLaser - scans the bar code of any product while you're shopping and tells you how much it costs at other chains and online stores. 

• Wi-Fi Finder - instantly find free Wi-Fi internet hotspots wherever you are in the world online or offline.

• Grocery eCoupons - get free paperless eCoupons redeemable at over 24,000 supermarkets and drugstores nationwide.

• Garage Sale Rover - quickly view garage sales from Craigslist and other sources on a map. And navigate there with GPS voice operated turn-by-turn directions.

For more ways to spend less... visit SpendLessOnEverything.com!

Save Money On Gas and Diesel Fuel

With gasoline (and diesel) prices going up, now is the time to look into ways to save money each time you fill up your tank. Would you like to save between 40¢-90¢ on every gallon of fuel that you purchase for your car or truck?

Do you know anyone else who would also like to save 40¢-90¢ on every gallon of gasoline or diesel fuel that they purchase?  There's a fuel additive product available called Xp3 from a company called Fuel Direct that saves you money on something that you must purchase all the time - fuel for your vehicles.  It actually costs you money to NOT use Xp3 !  Watch this short video for an overview.

A LITTLE GOES A LONG WAY!
Unlike other fuel additives, Xp3 is very concentrated. We recommend that you purchase the convenient "torpedoes" first and then refill them from the 16 ounce bottle.

• Pour the contents of the convenient "torpedo" shaped container (just 4/5ths ounce) into your fuel tank before filling your tank with fuel.
• Each torpedo treats up to 20 gallons of gasoline or 24 gallons of diesel fuel.
• Each 16 ounce bottle treats 20 tankfuls (400-500 gallons) of fuel.

Gasoline Example: 
One 16 ounce bottle of Xp3 will treat up to 400 gallons of gasoline. If your mileage improves 15% (20->23MPG), that is like saving 60 gallons of gasoline (400 x 15%). If you pay $3/gallon, you could save $180*.  If you pay $3.50/gallon, you could save $210*.

Diesel Example: 
One 16 ounce bottle of Xp3 for diesel fuel will treat up to 500 gallons of diesel fuel. If your mileage improves 15% (20->23MPG), that is like saving 75 gallons of diesel (500 x 15%). If you pay $3.50/gallon, you could save $260*.  If you pay $4.00/gallon, you could save $300*.

*Everyone experiences different results.

Xp3 is formulated to improve the performance of all kinds of gasoline and diesel fuels.

• Works with all classes of gasoline and diesel fuel
• Improves combustion and increases engine power
• Reduces fuel consumption
• Reduces levels of toxic emissions
• Totally disperses water in fuel
• Improves engine starting and avoids pre-ignition
• Stabilizes light and heavy oils
• Has a detergent and antioxidant effect
• Reduces corrosion and increases the life of your engine
• Improves the stabilization, lubricity and detergency of the fuel
• Does not contain any aromatics or naphtha
• Improves the pour point (great for cold weather)
• Avoids fuel freezing during winter
• 100% biodegradable (the package is also biodegradable)

For more information and complete details visit TeamFuelDirect.com.

Frugal Money Saving Tips

In today’s economy, it make sense to stretch your dollar.  I’ve listed some frugal ways I’ve saved some money in practically every category! Whether it’s shopping for cheaper car insurance, having a clothes swapping party with your friends or saving money on prescriptions, these frugal favorites has one motto: SPEND LESS

FRUGAL SHOPPING

• Keep coupons you might use in your wallet so they are handy when you need them.
• Shop from sites that give you cashback when you shop through their portal, such as BigCrumbs.com it’s free to join.
• Visit thrift stores, yard sales, swap meets for furniture, clothes, tools, etc.. Check out Goodwill, Salvation Army, and your local thrift stores for great deals.
• Show your discount cards wherever they accept it; such as student ID’s, senior cards, military cards, etc..
• Before paying retail, check Craigslist, eBay, Pennysaver and Freecyle for what you are looking for.
• For more frugal shopping tips and information, visit our Shopping page.

FRUGAL BEAUTY & HEALTH

• Save time and money when you shop for items on  , get free samples and free shipping too!
• If you don’t use it regularly or it’s too expensive, cancel your gym membership.  Instead, you can exercise at home with a DVD or do some walking around the neighborhood or hike at the park.
• Get a discount cards here when you buy prescription medications, it can save you up to 75% off.
• If you only need to dye your roots, use only half the application and save the other half for next time.
• For more frugal health and wellness information, visit our Health page.

FRUGAL MONEY & FINANCE

• Refinance or reduce your mortgage payment.  It may save you a substantial amount. Take advantage of the low rates available.
• Shop around for high yield interest rates on CD or Savings accounts.
• Use a credit card rewards card for monthly expenses.  Pay off the balance each month to avoid interest charges.  Depending on your expenses, you can usually redeem your points for a gift card or cash at the end of each month.
• Keep a log of your daily expenses.  This can help you determine a realistic budget you can adhere to.
• Pay bills online, it saves time and you save money on stamps too.
• Earn money for college bills and student loans when you shop for groceries, shop online, fill your gas tank and more via Upromise.com.
• For more frugal money and finance information, visit our Finance page.

FRUGAL BUSINESS & OFFICE

• Join a rewards program at one of the office supply retailers, such as  .  Get cash back whenever you recycle toner cartridges.
• Design your own website and host it for FREE at Yola.com.
• Instead of going out to restaurants everyday, pack a lunch to work.
• When mailing books, CD’s magazines, DVD’s, etc.. at the post office, specify the package as Media Mail. The rates are usually less than First Class postage.
• For more frugal business tips and information, visit our Business page.

FRUGAL BOOKS & MAGAZINES

• Instead of buying books retail, buy them at a discount at   where all books are 50-80% off.
• Rotate reading magazines amongst your friends.  Each one of you can subscribe to a different magazine and pass it to the next friend when you are done reading it.  You can order magazines (up to 85% off) at MagazineDiscountCenter.
• Another free option is to check out books at your local library.
• Here’s a good resource eBook on 1011 Money Saving Tips.
• For more frugal books, magazines and resources, visit our Resources page.

FRUGAL AUTO & INSURANCE

• Do preventative maintenance on your car regularly.  It’s much cheaper than having to buy a new car.
• Wash your own car vs. paying for a car wash.
• Get car insurance quotes and compare it with your current policy.  Chances are you will save money by switching.
• Some gasoline stations charge less when paying in cash vs. with a credit card.
• Use coupons for oil changes , smog checks, etc..
• Shop for a new car on a weekday at the end of the month.  The salespeople are often pressured to meet monthly quotas then.
• For more frugal auto and insurance information, visit our Insurance page.

FRUGAL GROCERIES & DINING

• When at a restaurant, split a bigger meal between two people.  You not only save money, but you won’t be tempted to overeat.
• Cook more often at home.  Eat leftovers.  Eat out less often.
• Here’s a couple of eBooks to help you save thousands grocery shopping and to shop for better groceries for less cash.
• Instead of sodas, coffee, tea, or juice drink water – it’s free and has zero calories.  Try adding lemon or a slice of cucumber in the water.
• Host potluck parties with friends.  It’s more fun, saves you money, you can be loud and you don’t have to tip.
• When you do go out to eat, get discount vouchers to your favorite restaurants atRestaurants.com.
• Want an alternative to expensive coffee?  Check out CoffeeForLess.com.
• When at the shopping at the grocery store, reach for items on the top and bottom shelves, they are often cheaper than the ones at eye level.
• For more frugal food, groceries and dining ideas, visit our Food page.

FRUGAL TECHNOLOGY & PHONES

• Compare internet, home phone and wireless phone here. Chances are you can find a better deal.
• If you don’t watch TV that often or only watch select shows, consider canceling your cable or satellite service.  More than likely, you can watch your favorite shows on Hulu.com for free!
• For more frugal tech, telecom and phone information, visit our Tech/Phone page.

FRUGAL HOME & GARDEN

• Check out estate sales for deals on unique antique furnishings and home decor accessories.
• Buy an inexpensive soaker hose from a home improvement store. Using a soaker is a more efficient and less wasteful way to water your lawn.
• Shop flea markets, swap meets, thrift stores, yard sales for great finds in home decorating.  If you are looking for something specific, check out Craigslist, or eBay.
• For great looking home accessories, shop Ross, Target, Marshall’s, Home Goods or TJ Maxx.
• For more frugal home and garden decor tips and ideas, visit our Decor page.

FRUGAL STYLE & FASHION

• Host a fun clothes/purse/accessory swapping party with your friends.  What’s old to them is new to you.
• Make your own gifts, such as handmade jewelry, crafts, personalized cards, etc..  Reuse and recycle gift bags, tissues, bows, ribbons when putting together your next gift.
• Get discounts on fashion and accessories at a great price at  .
• Instead of buying each friend or family member a gift for the holidays, treat yourselves to a nice dinner to your favorite restaurant.
• If you have a AAA card, you can get a discount when you shop at Payless Shoe Source.
• Check out ShoeBacca.com for great deals on shoes plus it’s always free shipping!

FRUGAL TRAVEL

• When traveling with friends, split the cost of the hotel accommodations.
• Book your next vacation and save money through  .
• Looking for a cheap travel alternative? Consider home swapping at HomeExchange.com
• Bring snacks and non perishable foods on vacation.  Limit eating out at fancy restaurants during your trip.
• If you need to rent a car on your trip, check out   for great deals.
• For more frugal travel information, visit our Travel page.