Frugality, Home Maintenance, Tips

Save Money On Lawn Care

When I was a kid, I never thought I would type the following sentence: I really enjoy yard work. Seriously.  I look forward to mowing the lawn, planting plants, raking leaves, and just spending time around the house, sprucing things up. I also like sharing money saving tips, and here are a few of mine, for saving money on lawn care.  These are things I actually do (or have done) to save money and time. Use Leaves and Pine Straw as Mulch I live in the South, and have pine trees and oak trees in my backyard.  We use fallen leaves and pine straw as mulch.  The pine straw looks nice in flower beds and around shrubbery, while the leaves…

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Debt Reduction, Tips

5 Simple Debt Reduction Tips

I like to write about an array of personal finance topics, but my true passion is debt reduction. Tip 1 – Send in credit card payments as soon as is possible.  This reduces your average daily balance and total interest charges. Tip 2 – Be both analytical and emotional. Debt reduction requires three things – money, a solid plan, and firm dedication.  Create a plan to reduce your debt – and then get a little angry. Tip 3 – Stop adding to total debt. Reducing one credit card balance by $500, only to charge $600 on another card doesn’t make sense. Tip 4 – Focus on reducing principal.  I know we get fascinated by interest rates – and rightly so…

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Saving Money, Tips

10 Ways To Save 10 Bucks Each Month

We’re all looking for ways – big and small – to save a few bucks. Here are 10 (relatively) painless ways to save 10 dollars (or more) each month! 1.  Eliminate premium cable / satellite channels – or just select a lower-tier channels package.  With my current satellite provider, we moved down from 250 channels to 150 channels, barely noticed the difference, and saved $10 per month. 2.  Reduce the number of paper towels and paper napkins that you use (and purchase).  With a family of 5, it’s pretty easy for us to go through a roll of paper towels rather quickly.  For tasks that don’t specifically call for paper towels, we now use a trusty dish towel.  Works just…

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