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Frugal Living Tips, Issue #001
November 01, 2008

Welcome to Frugal Living Tips Monthly newsletter For November 2008

Things don't seem to be getting any better do they? I was hoping after the last edition of this newsletter that things would at least be looking as if we were over the worst with the globval financial crisis.

It looks like we are all in for the long hall and being frugal and enjoying it will make things a lot easier to cope with. I hope this newsletter and the website helps to make saving money a little easier.

Enjoy the newsletter and come and visit us at Frugal-Living-Tips.Com soon.

Until next month

Best Wishes Kate

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CONTENTS

1. Tip of The Month

2. Competition

3. Coupons.

4 Your Money

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1. Tip Of the Month - Antistatic Solution

To prevent carpets made of synthetic fibres from collecting so much dust.

To make 1 1/4 pints/725ml.

1 pint/570ml water

1/4 pint/150ml fabric softener

Mix the water and fabric softener together in a bowl and then put into a spray bottle.

Spray the liquid lightly and evenly all over the carpet surface.

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2. Competition

Every Month we hold a Best recipe of the month competition where you can win a variety of prizes. this Month you could win a 4 port USB Hub.

Simply Submit your recipe with any serving suggestions to us here and we choose a winner every month. All the recipes will feature on the website.

Click here to submit Your Recipe


3. Free Downloadable Coupons

These are just some of the coupons you can download for free this month. Click on the image to see the full range available.(Please use Internet explorer to view coupons.


4. Your Money - Quick Fix or Daily Habit?
by Jeffrey Strain
Free e-book
Article from Dollar Stretcher

One of the biggest problems that people have when it comes to personal finances is that when they first start to look at them, they want a quick fix. While there are certainly numerous steps that you can take to reduce what you're spending, it's the way that you live your daily life that probably matters most when it comes to getting your personal finances in order.

It's not that people don't know what things will save them money. Instead, it's that they often don't implement the changes into their lifestyle. You probably know that if you take the time to check your tires to make sure they are properly inflated once a month, you can save money. You know that making your own coffee will cost less than buying it at the local coffee shop. You know that it is cheaper to make dinner at home rather than eating out. You know that it saves money to turn off your computer when you aren't using it rather than leaving it on. Chances are, however, that even though you know these things, you haven't incorporated them into your lifestyle.

While the individual habits in themselves may not seem like much, when they are all added together, they can add up to quite a bit of money each year. In fact, for most people, it's probably the difference between having to borrow money or being able to save money each moth. Most of these are simply daily habits and it probably doesn't even cross your mind one way or the other whether or not you're saving money when you do them. It is important, however, to learn what these daily habits are and to change the ones that can be changed with little or no pain.

The key here is that even though the actual act of doing something different may not be difficult in itself, breaking yourself out of the habit of doing it the other way can be extremely difficult. Habits are habits because you have become accustomed to doing them time and again. It is never easy to change things that have become ingrained without a conscious effort to do so.

Even reading this, you are probably saying to yourself that it makes sense and should be easy, but the chances are that after reading this, you will fail to act to change any of the things that you currently do. Change usually makes people uncomfortable and unless they have a compelling reason to change, they probably won't do so.

While all this may sound negative, there is also a huge positive in it all. If you can change a money wasting habit into a habit that saves money, you are likely to continue to do it. It will get ingrained into your daily habits and eventually you will do it that way without even thinking about it.

I challenge you to take a look at yourself in detail this week. Look at the things that you do on a daily basis and how they affect your finances. Then think if there is a way that you can change that habit so that it doesn't cause you any more time or effort, but can save you money. If you can find one or two a week and make the change (and eventually turn it into your habit), I will bet that you finances look a whole lot rosier in a year's time than they do at this moment no matter where your current finances may fall.


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Jeffrey Strain is the owner of SavingAdvice.com, a website dedicated to saving you money, and also writes the daily updated blog Personal Finance Advice

 

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