Ewww! You might think. Dumpster diving? Climbing into a big box full of people’s trash is not for everyone, but that’s not what dumpster divers really do anyway. By using some common sense and keeping your wits about you, you’ll find used but useful items, some of which may even be valuable. It's an environmentally sustainable practice that saves money and reduces landfill waste. Here are some tips for embarking on your treasure hunt:
Every woman wants that put-together look found at professional spas, salons, and in upscale makeup stores. No one, though, wants the extra wrinkles that come with the stress of paying for it all. You've lost enough beauty sleep over the recession. Now, let the sluggish economy provide you with ample opportunities to save money as beauty companies work harder for your loyalty. As an extra bonus, the recession means that saving is in and Grandma's tips are making a well-deserved comeback.
Whether decorating a first home, or altering the appearance and character of an already existing home, many people hope to do so with as much imagination and with as little monetary investment as possible. Some may need to economize out of necessity, while others just enjoy the challenge of decorating creatively without breaking the budget. In addition, of course, there are those who are concerned about the environmental impact over-consumerism has on our planet and try to decorate with that in mind.
While some helpful tools are making it easier to avoid scams online, some of us still fall prey to deals that look sweet but turn out sour. The con man, flimflam man, rip-off artist, scammer and cheat have always been with us. The ways of scamming may change, but the intent is the same. They want your money.
Rubber bands, often acquired for free when they come wrapped around produce or newspapers, can be found in many households just hanging around in a drawer or wrapped around a doorknob waiting for an opportunity for a second life. These days, there are probably 100 or more Silly Bandz® hanging around your kids room. Any day now, they'll be "so last week." Put that forgotten fad to work in your home with some creative ways to re-use rubber bands and save some money in the process.
In today's economy everyone wants to save money. One of the the biggest budget entries for some is the cost of commuting. The good jobs are in the city, but the affordable living remains in the suburbs. That leaves many of us in a position with three choices, none of which seem like a good idea. We can drive an hour or more in highway traffic, drive to the commuter parking lot and take public transportation, or share a ride with someone. When it comes right down to actual dollars and cents there is a best choice, but many of us find the mst affordable option so unpleasant, we'd rather spend the extra money.
Hopefully you have a fund containing enough to cover your regular living expenses for at least three months. Such emergency funds have never been more important than now. If you haven’t yet been forced to dip into that account, you’re probably one of those contemplating it after a layoff or as the bills get harder to pay every month. At what point is your situation an emergency? When should you throw in the towel and accept that you need to use some of that emergency money you have been stashing away?
The word ‘budget’ can sometimes be intimidating. It means that you will have to watch what you are spending and account for where your money goes. Many people will say that drawing up a budget can be just as difficult as following it. "Budget" may feel like a four letter word, but it doesn't have to.
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