Don’t Jump Before Starting a Business

Setting up a new business takes a lot of planning. First, you should check prices for    business supplies and monthly operating expenses. Looking for discount business furniture sales can save you a lot of money. It’s important to include every thing so you don’t have any big surprises. Let’s say you may need two computers instead of one, add it to your expenses. You can always put the money in the bank for a rainy day. Don’t forget to have a nest egg of eight months to cover your home living expenses. This is especially important if you plan on leaving your present job. If possible stay at your present job until your business is stable. You’ll at least need a desk, chair and some office supplies to start a simple home office. If you’re a work at home mom or dad you may need a babysitter for your children. Most of your home office supplies are found at an office supply store online with great coupon codes.

Another consideration is proper attire for your particular business venture. You don’t want to try to make that big corporate deal in a pair of cut jeans and a muscle shirt. It’s a consideration most people don’t think of, but it all adds up. One way to make it easier for your new venture is to set up entire outfits together in your closet for example; a nice pair of dress pants, shirt, jewelry and shoes.Its easy to find a lot of great coupon codes at Best Online Coupons.  Dressing to succeed will bring about the “Wow” effect from potential clients. The most important thing is doing all of your homework before jumping in.

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Struggling to Pay off My Daughters Medical Bills

After my daughters emergency hospital stay, I was left with a medical bill of over 10,000 dollars. The hospital would not negotiate with me to make responsible payments. I tried to explain that I was a single mother struggling to make ends meet. They wanted their money right now or they were going to put a lean against my home. My home was all I had for my hard work. I had no choice, but to contact a debt relief company to get the hospital off my back. I was beside myself because of the harassing phone calls and letters. There was no reasoning with the hospital. I chose debt consolidation because they were able to negotiate with the hospital to reduce the amount of the bill and end the harassing phone calls and letters. They were able to set a plan to reduce the debt and I was able to pay off the bill early. The Debt Relief company had me set a separate account where the money for the hospital bill was sent. Once a month I paid the bill. After I paid off the bill I continued to save the money in the same savings account. Now I have a nice nest saved in case an emergency happens from a broken down car to another medical bill. During the process of paying of the bill I learned the importance of saving for a rainy day.

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How to Save Money on a Tight Budget

Many of us are trying to find ways to save money, so I decided to share a few things I do to save money.

1. I match up the coupons with the store ads. Many times the stores know when the coupons are coming out. Sometimes its not smart to buy the items right then because many times the stores increase the prices when the coupons come out.

2. I quit using downy or any alternative for a few diffrent reasons. I’ve noticed that the downy is watered down and the price is almost the same price as a gallon of gas. I never thought I would be paying the same price for gas and downy. I now use 1/2 cup of vinegar in my downy ball and it works well. You don’t have to worry about having a vinegar smell and your clothes are still soft. I have used up to a whole cup of vinegar and still have no vinegar residue

3. I decide on my grocery list by what’s on sale in the store ads. Sometimes the prices aren’t sales so you have to watch out for this.

4. I use coupons for a lot of my purchases.

5. If I go to a store that’s suppose to have something on sale and they ran out I ask for a rain check. This also works great because you can find a coupon to go with the rain check.

6. Some stores you can use a manufactured coupon and a store coupon. You should check with the store.

7. CVS had a great program called extra care bucks where you use a red and white card that looks like a credit card. You can this and save a lot of money. You get extra care bucks when you purchase certain items. A couple of weeks ago I bought 5 bottles of dawn dish detergent for thirty some cents. You can also save a lot on toothpaste by matching the coupon up with the store ads.

Well, right now I can’t think of any other ways I save money. When I remember them all I will share them with you. So, Happy Saving Money…

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