HOW BAKING SODA, DRYER SHEETS & BEER CAN SAVE YOU MONEY

Ordinary household items are way more multi-purpose than you might think. Find out how baking soda, dryer sheets and beer can save you a bundle.

Take a look:

http://www.moneytalksnews.com/2012/02/02/19-uses-for-baking-soda-dryer-sheets-and-beer/

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$20 BILLION IN BENEFITS FOR SENIORS

If you are a Senior or if you know a Senior, you should read this article and save some serious money:

http://www.reuters.com/article/2012/02/14/us-seniors-missing-out-on-20-bln-of-bene-idUSTRE81D11Y20120214

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HOW TO SAVE YOUR BATTERY'S LIFE

Knowing when to recharge your various gadgets can make a huge difference in prolonging your battery life and saving you a lot of coin. Read it and heed it.

http://lifehacker.com/5875162/how-often-should-i-charge-my-gadgets-battery-to-prolong-its-lifespan

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REDUCE CAR INSURANCE RATES

Sometimes, placing a call to your insurance company can lower your rates. Also, shopping around for quotes is a good thing to do periodically.

Read this article from the New York Times, to find out more:

http://www.nytimes.com/2012/02/04/your-money/want-better-car-insurance-rates-youve-got-to-make-the-call-your-money.html?_r=3&ref=business

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11 FREE OFFERS

Free is good. Here are 11 free offers you might want to take advantage of:


http://lifeinc.today.msnbc.msn.com/_news/2012/02/29/10536606-11-offers-for-free-chocolate-business-cards-more

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10 ONLINE BUDGET TOOLS

In this economy, staying within a budget is still paramount.

Here's some online help:


http://www.moneytalksnews.com/2012/02/29/top-10-best-and-free-online-budget-tools/

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HOW TO REBUILD YOUR CREDIT SCORE

We're always worried that our Credit Score will be high enough to benefit us.

Here are some tips to rebuild your score:

http://www.freep.com/article/20120105/COL07/201050461/Susan-Tompor-It-s-time-to-rebuild-your-credit-score?odyssey=mod|newswell|text|FRONTPAGE|s

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WHEN TO GET THE CHEAPEST AIRFARES

Here are some great airfare tips to get the cheapest fare.

http://abclocal.go.com/wls/story?section=news/consumer&id=8487607

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WHEN NOT TO FILE AN INSURANCE CLAIM

Did you know that there are some circumstances when it makes more sense NOT to file an insurance claim?

Take a look:

http://www.dailyfinance.com/2011/12/23/5-times-when-you-shouldnt-file-that-insurance-claim/

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2012 PRICES THAT AREN'T GOING UP

Even though it sometimes seems like every price is going up, there are some prices that aren't.

These 2 articles will tell you what they are:

http://dealnews.com/features/12-Things-That-Will-Be-Less-Expensive-in-2012/533663.html

http://www.smartmoney.com/spend/deal-of-the-day/5-deals-to-look-forward-to-in-2012-1325194720277/

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RESTAURANT DISCOUNTS/COUPONS

Since it doesn't look like the economy is going to get better anytime soon, most of us are eating/cooking at home to save money. However, it's nice to splurge and eat out at a restaurant every now and then. And on those special occasions you decide to do just that, there's no reason to pay full price, not when discounts abound. You've probably already heard of Groupon, Citysearch, Blackboard Eats, but the internet has a few other sites you should know about:

1. BiteHunter.com
This site tells your about daily specials and discounts, using other sites like Groupon, Living Social, etc.

2. EatDrinkDeals.com
This site is good for restaurant chain discounts.

3. Restaurant.com
This site is good for finer dining restaurant coupons.

4. Savored.com
This site is also good for finer dining coupons.

So, before you go out, check these sites and save money.....that's what we do.

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HOW TO DEDUCT EXPENSES YOU NEVER PAID FOR FROM YOUR TAXES

In a 2010 decision, the U.S. Tax Court concluded that a daughter could deduct medical expenses and real estate taxes on her 1040 Form -- even though they were paid by her mother. To find out how this decision may apply to you, take a look at the article below:

http://www.smartmoney.com/taxes/tax-policy/free-lunch-deducting-expenses-you-never-paid-1316547708569/

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HAPPY HOLIDAYS!

We're taking a break. Team CHEAPIOSITY is shopped-out. We're gonna take a break and see a lot of movies.....cheaply, of course.

We'll be back in January with another year of living a first class life at economy prices.

But first, one last thing for the year. Stocking up now on next year's holiday cards, wrapping paper, ornaments, and other seasonal goodies makes a lot of sense. Pricing on all that stuff doesn't get any cheaper than right after the holidays, but you have to hit the stores quickly. Merchants discount their seasonal items up to 90% just to clear those shelves. Check 'em out.

We wish you Happy Holidays, Peace, Love and lots of bargains.

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THE BEST DAYS TO BUY STUFF

Did you know that you can find better deals on certain days of the week? It doesn't only matter where you shop. It matters when you shop and what you're looking to buy.

Here's an article from Smart Money that breaks it down for you.

http://www.smartmoney.com/spend/deal-of-the-day/best-days-of-the-week-for-discounts-1320270169168/?grcc=7da38d5a8fdbcd8680569ec059d7d099Z3&mod=WSJ_hpp_sections_personalfinance

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HOME REMODELING THAT MAKES SENSE

Everyone wants to get the most bang for their buck when they do some remodeling to add value to their home. Here are some suggestions to increase your home's resale value.

Home Remodeling Projects with the Highest Return on Investment:

1. The Kitchen – Whether it’s a major overhaul or a simple makeover, putting a fresh face on your kitchen is your best investment. Maximize your return by limiting your project cost to no more than 20 percent of the value of your home. Expect an 85 percent return on your investment.

2. The Bathroom – An outdated bathroom can spoil a sale. Current trends have homeowners installing large showers instead of garden tubs. A major update could cost less than $20,000, but it should yield an 80 percent return.

3. Decks – A new deck can cost a few thousand to tens of thousands of dollars, depending on size and materials used. Before you build, look at other homes in your area and build accordingly. If the deck is in good shape, your return could be more than 80 percent.

4. Siding – If your home’s façade is siding and it’s not in good shape, replacing or repairing the siding can bring instant freshness. You’ll likely spend at least $10,000, but you should get at least 80 percent back.

5. Window replacement – The energy efficiency of new windows is a clear benefit to switching out older windows, but in some cases, it’s a safety feature, too. Costs depend on the number of windows you’re replacing, of course, and the type. Expect a return on your investment of at least 70 percent.

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BEST REWARDS CREDIT CARDS IN 2011

Team CHEAPIOSITY loves getting free airline tickets with our mileage rewards. As we like to say, the only thing better than CHEAP is FREE.

If you're someone who enjoys the rewards you get from your credit cards, you're going to love this article. The people at Kiplinger's have done all the leg work for you. Take a look:

http://www.kiplinger.com/magazine/archives/best-rewards-credit-cards-2011.html

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BLACK FRIDAY 2011

UPDATE 11/23/11:
Here are more websites to check out: http://blackfriday.net/, http://www.fatwallet.com/black-friday, http://gotadeal.com/Black-Friday-Deals.html

Before you buy electronics, check out: http://www.decide.com/

For free shipping: www.freeshipping.org

Team CHEAPIOSITY always tries to remain current. Here's a link to Black Friday circulars a week early....current enough for you????

http://bfads.net/Adscans

Happy Shopping!

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MORE SITES TO FIND DEALS

Here at Team CHEAPIOSITY, we're always more than happy to tell you about sites that offer great deals. Here are a few more:

www.shopittome.com - Think of Shop It To Me as your free personal online shopper. Their mission statement: "Once you tell us your favorite designers (such as Alexander Wang, J.Brand, Black Halo, Diane Von Furstenberg, John Varvatos, Tory Burch, DKNY, Vince) and sizes, we'll take over. We'll work as your personal shopper scouring the Web to find the items you love and send you personalized e-mail alerts that feature the latest markdowns, secret promotion codes, and VIP sale events. Your made-to-order Salemail™ will arrive in your in-box only as often as you like, because we're all about looking after you. We are the trusted personal shopper relied upon by millions of fashion-forward women and men." Sounds good to us.

http://www.bradsdeals.com/ - BradsDeals is your one-stop source for the latest coupons & deals from thousands of leading retailers. "We give you the answers you need to make informed shopping decisions. Every day, we sort through thousands of coupons, sales and promotions but only publish the best 100 or so for our readers. Our standards are high. We publish only what we would recommend to close friends and family members, so you can recommend them to yours."

http://dealnews.com - Every day, dealnews brings you the best deals available on the hottest items on the Internet. "We scour over 2,000 online retailers and tens of thousands of deals to deliver the best 200+ deals each and every day — the kinds of deals you'd normally only see on Black Friday. We verify that each deal is valid, the lowest total price we could find, and from a reputable retailer. Then and only then do we post it for you. We take getting a bargain seriously, and then share what we find with you."

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2011 FREEBEES

Every year Kiplinger's publishes a list of freebees. Here's their 2011 list. Team CHEAPIOSITY loves free things and we assume you feel likewise.

http://www.kiplinger.com/features/archives/fabulous-freebies-2011.html

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BIZ CLASS FARES TO EUROPE THAT ARE LESS THAN COACH

The title says it all. Go to the article below to find out how:

http://www.moneytalksnews.com/2011/08/23/how-you-can-buy-a-business-class-ticket-to-europe-for-less-than-coach/

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