Expenses
Site
1 Vehicles
http://www.edmunds.com/apps/cto/CTOintroController http://www.govsales.gov/HTML/INDEX.HTM
2 Gym Memberships
http://www.craigslist.org
www.ehow.com
3 Car Washes
http://blogs.consumerreports.org/cars/2008/08/tips-for-the-do.html gives
4 Groceries
www.mygrocerydeals.com, www.thegrocerygame.com, http://www.utahcit
www.thegrocerygame.com
http://www.utahcityguide.com/new/guru/index.asp 5 Term Life Insurance 6 Cell Phone www.term4sale.com www.cellswapper.com
7 Long-term Phone
www.skype.com
8 Interest Charges on Credit Cards
http://indexcreditcards.com/ www.cardtrak.com http://www.bankrate.com/msn/rate/cc_home.asp http://www.cardratings.com/cardreviewfr.html http://moneycentral.msn.com/banking/services/CreditCard.asp?
www.powerpay.org
9 Eating out for Lunch
http://www.finance.cch.com/sohoApplets/LunchSaver.asp
10 Manicures 11 Vending Machine Snacks 12 Magazine Subscriptions
http://www.expertvillage.com/video/11002_home-manicure-preparation.h
I would just present your Costco/7-11 research. I didn't find anything better
www.magazines.com, http://www.smartmoney.com/deal-of-the-day/index http://www.amazon.com/s/qid=1218819060/ref=sr_ex_i_0?ie=UTF8&rs=60
13 Newspapers
http://www.discountednewspapers.com/ http://www.onlinenewspapers.com/usstate/usutah.htm
14 Car Insurance
http://moneycentral.msn.com/insure/autorisk.aspx http://www.insurance.utah.gov/2007%20Comparison%20Table.pdf
15 Mortgage 16 Internet Access
http://www.bankrate.com/brm/rate/mtg_home.asp http://www.corp.ca.gov/Education_Outreach/literacy/calculators/mortgage http://www.internet4free.net/
17 Daycare
http://www.aupairinamerica.com/
http://www.aupaircare.com/ 18 Gasoline www.fueleconomy.gov http://www.fueleconomy.gov/feg/gasprices/states/UT.shtml http://www.fuelcostcalculator.com/ 19 Cable Television 20 Electricity 21 Travel 23 Tax Return Cost 24 Video Entertainment http://www.hulu.com/browse/alphabetical/tv http://www.energystar.gov/index.cfm?fuseaction=popuptool.atHome www.kayak.com http://www.irs.gov/efile/article/0,,id=118986,00.html
http://www.redboxcodes.com/codes or get free codes via text message at h
http://www.redbox.com/Help/Signup.aspx 25 Auto loans
http://www.capitalone.com/autoloans/refinance/?linkid=WWW_Z_Z_Z_Z_H
26 Eating Out
http://www.bankrate.com/gookeyword/rate/brm_cucautosearch.asp?web= http://www.restaurant.com/
27 Hair Cut
http://www.bonlosee.com/Services/Cosmetology.php
28 Coffee
http://www.hughchou.org/calc/coffee.cgi http://www.realsimple.com/realsimple/content/0,21770,675601,00.html http://www.insurance.utah.gov/2007%20Comparison%20Table.pdf http://www.leasetrader.com/ http://www.swapalease.com/
29 Homeowner's Insurance 30 Getting out of a lease
Description The True Cost to Own Calculator lets you choose any model of car (2003-2009) and gives you both cash price and true cost to own estimates. See which car in the class you are shopping within will cost the least. For example, a person looking at Toyota Camry would want to look at Honda Accord and Mitsubishi Galant as well. This tool helps individuals understand the true costs of car ownership over the long term. The calculator even calculates a cost per mile. Purchase automobiles from the federal government at this site. Get a great deal on your next automobile purchase. Costhelper.com reports that the monthly service fee at gyms averages between $35 and $40. At $40 per month, an unused gym membership runs $480 per year. Craigslist has offers for those wanting to get out of their gym contract. You can sell your pass there. Ehow.com has videos of home workouts that can be done for very cheap. Just do a video search for Home Workout. There is even a video of how to get a workout using a Nintendo Wii. There are 1230 home exercise videos on the site. Car washes: The average cost for a basic auto detailing package is $58, according to Costhelper.com. The tab for getting your car detailed every two months: $348 per year. This site gives instructions and a video for do-it-yourself car washing. This site allows you to create a free account and brings together sales prices for stores in your area in one convenient place. The site helps you build a shopping list from the items you identify as being things you frequently purchase at the store. The Grocery Game is a fun interactive site (you do have to pay a small subscribtion fee) that helps you bring together coupons from many sources to help you get the most from your shopping. A four week trial subscription is available for only one dollar. This site is the site of the Grocery Guru. He tells you the coupons available, and provides a cheap menu, all in one convenient spot. He is based in Salt Lake City, so this is a Utah-specific service. Term4Sale is the only place that allows individuals to objectively comparison shop term life insurance. Use cellswapper to get out of your mobile phone contract easily and inexpensively. Skype is a VOIP service that allows you to make phone calls over the internet. You can make free calls to other Skype users and unlimited calls to anywhere in the US are just $2.95/month. The Unlimited Mexico plan is only $6.95/month. Interest charges on credit card bills: According to a survey released at the end of May 2008, the median amount of credit card debt carried by Americans is $6,600. The average interest rate on a standard card is about 13%. Making the minimum payment each month, it will take 250 months (almost 21 years) to pay off the debt and cost $4,868 in interest. Use this site and the following sites to find the best rates on credit cards. Indexcards.com has over 1200 credit card listings. Since 1988 cardtrak.com has provided credit card rate information to the Wall Street Journal. A wide variety of tools are available on this site. Bankrate offers a great database of credit card data, including average interest rates by type of card. This site has thousands of consumer reviews for credit cards. See what other customers have liked and disliked about the offer you are considering. MSN's 'Credit Card Analyzer' tool is a very useful tool that allows you to search for cards with the lowest APR, lowest balance-transfer APR, and many others.
Powerpay.org is a site that allows users to see how making slightly accelerated debt payments can get them out of debt more quickly and save them money. According to MSN Money, a typical individual who eats out for lunch 5 times a week will spend about $2,340 a year. Use this calculator to see how much you could save by packing a lunch. The Day Spa Magazine Price Survey of 2004 found that the average cost of a manicure is $20.53. A weekly manicure sets you back about $1,068 per year. This site has videos that show how to give yourself a manicure at home, along with how to do a huge variety of other household tasks. The average vending machine snack costs $1. Buy a pack of cookies every afternoon at work and pay $260 per year. Magazines.com offers deep discounts off of the cover price of many major magazines. The Smart Money article explains how to save money on magazine subscriptions. This site is Amazon.com's magazine subscription site. Save tons and tons! This offers the ability to receive discounts on both national and local discounts. Discounts up to 79% are available. The second site lets you search for newspapers in your city and access most of their content for free online. This site lets you search for newspapers in your home city or area, where you can there access most of their content for free. This MSN Money tool allows you to compare and see how expensive different cars are to insure. The second site compares auto insurance rates within Utah from different insurers This site compares auto insurance rates within Utah among various companies. This service allows you to see the best rates for refinancing your mortgage. Pay things off more quickly by refinancing and get out of debt more quickly. This site provides a great refinance savings calculator that is not trying to sell you anything. Internet4free offers perfect advice for those looking to save their monthly cost of internet. Au pairs are basically nannys from foreign countries that come and live with your family. Using an Au pair can save families with lots of children big money. They usually charge by family, not by child. Au pairs are basically nannys from foreign countries that come and live with your family. Using an Au pair can save families with lots of children a substantial amount of money. They usually charge by family, not by child. This is the ideal site for the individual looking to soon purchase a vehicle. Research fuel economy of various vehicles at this site. This site is for those who currently own a car, and allows individuals to find the cheapest gasoline in their area. This handy calculator lets you see how much gas will cost you on your trip based on your destination and car. Hulu.com allows individuals to watch free episodes of many popular TV shows, and even full-length feature films. This interactive tool allows you to tour your house and see simple ways you can save energy, thereby reducing your bills. Kayak lets you easily search a huge number of travel sites for the best deal, all at once. IRS Free file program for those who make under $54,000 walks individuals through the tax return process. This site provides free promotional codes for Redbox. Use the codes and save. Don't pay for movies ever again.
Sign up at this site to get free Redbox promo codes delivered to your phone via text message. This site allows you to refinance your auto loan for a better rate. The second allows you to compare rates at credit unions, which are usually a much better deal. The site allows you to compare auto loan rates at credit unions, which are usually a much better than the rates banks charge. Allows individuals to puchase $25.00 gift cards to restaurants for a mere $10.00 Very inexpensive cuts from students in cosmotology school. This is the pricing for Bon Losee Academy in Provo, but contact the beauty school near you to see if you can be a model. This is a savings calculator designed to shows how much you could save by brewing your own coffee instead of it. The second explains how to make great coffee. Pretty simple really. Just brew your own. This article explains how to brew the perfect cup of coffee. This site explains how to make perfect coffee at home. Compare Utah Homeowner's insurance rates using this useful guide. See how much you could save. Lease trader allows individuals to swap out of their lease. Get rid of your old lease and save. Swapalease is another one of these services that give you a convenient way to get out of your lease.
Expenses 1 Vehicles 2 Gym Memberships 3 Car Washes 4 Groceries 5 Term Life Insurance 6 Cell Phone 7 Long-term Phone 8 Interest Charges on Credit Cards 9 Eating out for Lunch
URL http://www.ftc.gov/bcp/edu/pubs/consumer/general/gen14.shtm#usedcar
http://articles.moneycentral.msn.com/SavingandDebt/ConsumerActionGuid None http://www.smartmoney.com/deal-of-the-day/index.cfm?story=20080229-
http://money.cnn.com/magazines/moneymag/money101/lesson20/ http://www.time.com/time/specials/2007/article/0,28804,1633488_16334 http://www.voipnow.org/2007/04/want_free_voip_.html http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre05.shtm http://www.stretcher.com/stories/04/04sep13e.cfm http://www.cleverdude.com/content/frugal-lunch-by-clever-dudette/ None
10 Manicures 11 Vending Machine Snacks 12 Magazine Subscriptions 13 Newspapers
http://articles.moneycentral.msn.com/CollegeAndFamily/MoneyInYour20s/
http://www.getrichslowly.org/blog/2007/02/14/save-money-with-a-magaz http://www.smartmoney.com/deal-of-the-day/index.cfm?story=20051003 None
14 Car Insurance 15 Mortgage 16 Internet Access 17 Daycare 18 Gasoline 19 Cable Television 20 Electricity 21 Travel 23 24 25 26 27 Tax Return Cost Video Entertainment Auto loans Eating Out Hair Cut
http://articles.moneycentral.msn.com/Insurance/InsureYourCar/12hiddenW
http://www.bankrate.com/brm/news/cheap/331ways/Home/mortgage.asp http://www.infohq.com/Computer/free-internet.htm http://www.thestreet.com/story/10359665/1/10-ways-to-reduce-child-care http://www.fueleconomy.gov/FEG/drive.shtml
http://websearch.about.com/od/freedownloads/qt/freemovies2.htm# http://www.cucirca.com/2007/02/21/13-places-to-watch-tv-online-for-free http://www.eei.org/industry_issues/retail_services_and_delivery/wise_ene http://www.cnn.com/2007/TRAVEL/traveltips/10/03/travel.sites/index.htm http://www.msnbc.msn.com/id/24859538/ http://utahtaxhelp.org/ None http://articles.moneycentral.msn.com/SavingandDebt/SaveonaCar/ABCsFo http://abcnews.go.com/GMA/AmericanFamily/story?id=1020055&page=1 http://www.frugal-living-tips.com/frugal-beauty-haircuts.html
28 Coffee 29 Homeowner's Insurance
http://articles.moneycentral.msn.com/SavingandDebt/SaveMoney/10Little http://www.pueblo.gsa.gov/cic_text/housing/12ways/12ways.htm
30 Getting out of a lease
http://www.federalreserve.gov/pubs/leasing/resource/faq.htm
Description This is the FTC's "66 Ways to Save Money." They offer tips for car buying here. This article offers some advice for getting out of gym contracts, cell phone contracts, AOL etc. None This article is entitled "8 Ways to Cut your Grocery Bill" and is from Smart Money. This is MSN Money's introduction to life insurance. It clearly explains the difference between whole life and term and why term is better. This is an article about Cellswapper service that helps you get out of the service. A site that talks about the pros and cons of the top 10 free VOIP services This is a good breakdown by the FTC on Credit Cards and understanding their terms. This article provides a good list of suggestions for those who are packing their own lunch. This article contains a cost breakdown of how much it would cost to pack a lunch for the week. None This article explains a list of expenditures to avoid, one of them being vending machine snacks. This is a site that explains how to work to set up a magazine exchange with friends and neighbors. A neat idea. The Smart Money article explains how to save money on magazine None Offers information on how you can save easily on auto insurance. The second article explains how to save money by dropping comprehensive coverage on an older vehicle. Read this interesting Bankrate.com article entitled "12 Ways to save on mortgage costs." This article reviews the various free Internet Service Providers 10 Ways to reduce childcare costs This guide provides a list of simple things you can do to get better gas mileage right away. This site provides listings of many, many websites that offer free movies and TV online. This site provides listings of websites with free movies and TV online. A great 20 page PDF on reducing your energy bills. This useful article reviews CNN's top 25 travel sites. This site discusses staycations. This site is the VITA site for Utahns. Qualifying individuals can get free tax help. None This is a great article that explains how to navigate through getting financing. Article about how to save money off of Restaurant.com's discount prices as well. This site offers a list of great ways to save money on haircuts. This article clearly explains how much money you could save by NOT buying coffee each and every day. 12 Great ways to reduce your Homeowner's insurance costs from the Insurance Information Institute.
This is the Federal Reserve's leasing guide