Pennies A Day- Your Guide To Saving

There are a lot of people who handle their finances poorly. Do you feel like you don’t manage your finances properly? Well, this article can help you fix that. The article below will provide some solid advice to help get your finances under control. Keep reading this article and you will find out what you should do.

Don’t sell if the time is not right for you. If you are making a good profit on your stocks, hold on to them for the time being. You can look at your stocks that are not doing so good, and figure out if you wish to move those around.

If you’re in a foreign country, eat where the locals eat. Your hotel restaurant, and any other restaurants in tourist areas, are likely to be way overpriced, so do some research and find out where the locals eat. You will find better tasting food at lower prices.

Do not pay the full price for products if you are looking for ways to cut your expenses. Drop your loyalty to specific brands and purchase items which you have coupons for. If a coupon for a brand you’ve never tried makes it less expensive than your usual brand, be both adventurous and frugal and try the new brand.

Avoid debt whenever you can. Don’t let your credit cards tempt you into a mountain of debt. The less you are borrowing, the less you’re going to have to spend on fees and interest.

Set up a bank account that automatically takes a few dollars each month and saves it if you want to save quite a bit of money. This can be a great way to save money. This technique can also be helpful for accruing money for expensive events, such as a wedding.

The first step to credit repair is to get out of debt. You’ll have to make some severe sacrifices, but once you’ve paid off those loans and credit cards you’ll be in the gold. Consider cooking your own food or limit hanging out on weekends. Packing your lunch can save you big bucks. If you want to get out of debt, you’ll need to reduce the amount you spend.

If you participate in online banking take notice of what type of alerts are offered by your bank. Banks utilize modern technologies, like e-mail and text messages, to keep you updated about your account. Having alerts in place for low balance and large purchases can prevent you from suffering overdraft fees, and let you identify fraud quickly.

Doing a little research online can help you find several websites that provide coupons that aren’t available through newspapers or magazines. Utilizing coupons and offers to save money can be a habit that can help to improve personal finances.

Your highest interest card should be the first that you pay off. Although it may see sen sible to make even payments on all your debts, the savings over the long term is greater when you target the high interest card first. Since credit rates will rise in the next few years, this is an action that you should take very soon.

Nobody is perfect, particularly when it comes to managing personal finances. If you go overdrawn at the bank you can try to get the fee waived. This trick can only be used by someone who has kept positive balances and hasn’t used overdrafts before.

A good strategy to employ is to have money automatically transferred from your main bank account directly into a high performance savings account. At first it might be hard, but before long it will not phase you.

Put a small amount into savings on a daily basis. Forgo store brands for generic brands, and check out which food items are on sale. Look for sales on food items to use as a substitute.

Avoiding debt to begin with is the best advice for good personal finances. It’s usually necessary to take out a loan for big-ticket, essential items, such as a car or a house. However, as much as possible in your daily finances, avoid credit purchases and either pay cash or go without.

credit cards

You should start saving money for your child’s education right after they are born. College is very costly and if you wait until later on you will not be able to send your kids to school.

Often, your major insurance policies can be tweaked to lower the monthly payments and save you money. Investigate options that allow for bundling your insurance needs, or coverage that is too high. This can save you a ton of money over time.

It should be clear by now that you can improve your financial situation with a little effort. The future is something you can take care of today if you work on it, so be sure you take care of your finances as soon as you can.

A brand new way to use Turbotax

Use Turbotax for freeAs I mentioned in my previous articles, there are definitely times when you need to consult a CPA. But for other things, like filing tax returns, CPAs are not always necessary.

For the last 10 years or so, I’ve forgone using CPAs or tax preparation services. Instead, I purchased Turbotax at office supply stores like OfficeMax and did my own taxes. I loved the program for its simplicity, and it allowed me to finish my returns in about 2-3 hours, even though I had stock sales, supplemental income, and other issues that complicated my returns a bit. I fell in love with Turbotax since I first began using it, and have used it every year since then.

It turns out I no longer need to purchase boxed versions of the software, as a few years back, Turbotax online became available. By creating a login, you can now do your taxes over your browser, and there is nothing you need to install on your computer. At first, I was a bit reluctant to use the online version, fearing it would be more slow and cumbersome compared to the regular software. I’m pleased to say I was wrong about this matter. Despite the fact that you use the program over a browser, the software is easy to use. In fact, once you start using Turbotax online, you will likely not notice a difference between the online and software versions.

On really terrific aspect of the free edition of Turbotax is that you can start working on your taxes for free. Not only is this convenient for users, I think it is a brilliant move by Turbotax, as more people will try the program this way. In fact, you can complete your entire return online for free and view the exact refund you’ll be receiving. It’s only then that you can decide whether to “purchase” the program and thus be able to submit the returns.

You have the option to print your return or submit them online. I don’t know why anyone would choose to submit their returns over mail, as electronic submission is much simpler.

Visit for other articles about free trials and ways to save money with coupons.

Watch the video before if you want a detailed look on how to file your taxes online using Turbotax:

E-cigarette benefits in a nutshell

If you’ve been paying attention to the news, you probably already know that e-cigarettes have become very popular. It’s probably no longer unusual to come across someone using an e-cigarette, as more and more ex-smokers jump on the bandwagon and switch over to using e-cigs.

In this post, I will discuss what I believe are the 3 main benefits of using e-cigs.

First, they are easy for smokers to switch to. This is because e-liquids that users “vape” still contain nicotine. This means that people who use e-cigs will be able to satisfy their nicotine craving and therefore not have the urge to reach for a regular pack of cigarettes. In addition, e-cigarettes give you an experience that is very similar to regular smoking, and allows you to keep some of the pleasurable aspects of smoking. Therefore, unlike other smoking cessation products, people who switch to using e-cigarettes find that they can stick with their lifestyle change.

And despite the nicotine, e-liquids do not contain other harmful substances found in cigarettes, such as tar or the hundreds of carcinogens. For this reason, they are generally regarded as far less harmful for your health. You don’t have to feel as guilty about vaping as you would smoking a cigarette.

And finally, e-cigarettes can save you money since they cost less to use. The precise savings will depend on what brand you choose. I like White Cloud E-cigs myself, and find that the company offers high quality at a reasonable price. You can purchase White Cloud E-cigarettes online and use coupons or promo codes for White Cloud to save some extra cash. For more information about how to get the best deals on electronic cigarettes, visit

Alternatively, you can go to any convenience store or a local e-cigarette or vape store and find a pretty decent selection of e-cigarettes to try out. I personally prefer to buy my e-cigarettes and accessories online, however, as I tend to get a lower price and also get to take advantage of online coupons and special offers.


Getting quick printing done on the Web

Professional Printing ServicesI have many nightmarish stories to share about print jobs that have gone awry. The two biggest issues for me have been getting the colors to come out right, and finding a printing service that does work in a timely fashion. When you’re working on a time-sensitive marketing campaign, even a delay of a couple days can derail your strategy.

The solution to these problems for me has been to turn to online printing services like Overnight Prints. For whatever reason, they seem to work faster for me, and prices are lower as well. What’s more you can upload your proofs and artwork and view them instantly, which further streamlines the process of how you order printing services.

Overnight Prints isn’t the cheapest printer out there, but they are probably the fastest. Therefore, I turn to them when I need something printed in a rush. As I mentioned, there are cheaper printing services out there, but their delivery times are not as reliable as Overnight Prints. And besides, if you use online coupons, you can often get 10 – 20% off your orders. I bookmark this page so that I always have access to the latest Overnight Prints coupons –

If you aren’t in a rush and just want cheap prices, you might also want to try Vistaprint. Whatever service you select, make sure you get samples sent to you so you can get an idea of the quality of work they do. Most places will send you samples for free.

Pros and Cons of Inkjet Printers

Canon PixmaIf you’re in the market for a new printer, you may be considering buying an inkjet printer. After all, they are cheaper than laser printers, and seem to do a pretty good job at printing things like photos. Before you invest in an inkjet printer, however, you should know what some of the pros and cons are of buying this kind of printer.


Price: Compared to laser printers, Inkjet printers are much cheaper. If you go to Office Depot or places like Walmart, you will find printers in the $50, $60, or $70 range. While you’re price shopping, be sure to get price on how much the ink cartridges cost as well. Depending on the printer, you use, inkjet cartridges can end up being quite costly. One way to cut down on ink costs is by using printer ink promo codes and other online ink shops.

Quality photo printing: This is one area where inkjet printers are clearly superior to laser printers. If you plan to print plenty of photos with your printer, then choose a high quality inkjet printer. HP, Epson, and Canon are all good brands to consider.

Selection: There are so many brands and models of inkjet printers that you’ll be able to find one that suits your exact needs, no matter what your budget is.


Speed: Let’s say you need to print a 100-page document. A laser printer might spit something like this out in a couple minutes, but with an inkjet printer, prepare yourself for a long wait. This is why many people who use a printer for businesses opt for laser printers, since their speed can’t be beat.

All said, inkjet printers are a must-have device for most home computer users. If you’re buying a printer for business purposes, however, a laser printer could prove to be a better investment.

For cheap printer ink and 123inkjets coupons, go to

Benefits of using contact lenses

On the whole, I believe that wearing contact lenses is much more preferable than wearing glasses. The reasons I feel this way are manifold, and in this article I will go into some detail about the benefits of contact lenses.

contact lens online storeFor many years, I wore glasses, and there while they are a perfectly viable solution to correcting vision problems, I had many pet peeves. For one, they would fog up frequently. Moreover, it was often inconvenient to play certain sports while wearing glasses. On occassion, I would have headaches, and I must admit that my peripheral vision was not the best. Many time, when someone would approach me from the side, I would not even notice until they were rather close.

Although I knew that contact lenses would solve all of these problems, I had always been a bit hesitant to try them because I heard they can be more expensive. While this is true, upon doing research, I found out that the price difference is not as large as I had anticipated. The key to keeping costs down is ordering contact lenses on the web, where you can get great bargains by using discount coupons for Contact Lens King. You can view deals at Vision Direct here: Not all contact lens stores offer coupons, but if you stick to the one that do, and do a bit of comparison shopping, you will no doubt be able to find some great deals.

With contacts, I see much better, and I was pleased to find that they are extremely comfortable as well. If you have been hesitant about trying contact lenses, I truly believe it’s worth giving them a shot.

To learn more about saving money on contact lenses, just go to

Try eHarmony if you’re serious about love – It’s free to start

There have been some changes at eHarmony lately. Most of it is stuff that makes the site a lot more accessible (and affordable for users).

For the longest time, eHarmony was one of the few sites that did not offer any kind of free trial, aside from an occasional free communication weekend. This was one of the most frustrating things about eHarmony in the past. In my opinion, it did not allow members to try out the site in any meaningful way and determine if it’s the right dating site for them. The only things you could do were open an account, create a profile, and receive matches. But without having any interaction with the matches, it was hard to know how good the matches really were.

eharmony website screenshotThis has changed, however, and now you can communicate for free when you join, even if you are not a paying member. It even says so on the home page when you go to sign up.

But with all things, there is a catch. The communication you can do is only the guided communication, which is essentially sending your matches pre-written questions, to which they may respond. Once you reach the stage where you start emailing each other openly, you must upgrade.

But what is worse is that you cannot see the photos of your matches. Of course, looks aren’t everything, but for something like a romantic relationship, physical chemistry is important. Photos therefore are essential, and again, you cannot view them until you pay up.

With that said, these changes make the it worthwhile to set up a free trial account at eharmony by going to . If nothing else, it will give you an idea of how the site works, and you can then decide for yourself if you want to sign on as a paying member. Compared to how things used to be, this is definitely a giant step in the right direction. I only hope that some time in the future, eHarmony offers a full-blown free trial, such as the ones available at, where you can try all the features of the site for a limited time.

Go to to read reviews of the top online dating sites.

Searching for freebies online

What can you do for free online? As it turns out, you can do quite a bit. The Internet has really made many things that used to cost money totally free. Here are some of the best freebies you can get online from sites like

Oh Yes It's Free1. News
This one is almost a given at this point. There is no reason to subscribe to a newspaper anymore so long as you have an internet connection. Most major news outlets have websites that provide free news. In addition, many major sites like Yahoo have a robust news section on their site.

2. TV Shows
A lot of tv station websites upload the latest episodes of their TV programs so that you can watch them online. In most cases, you will need to sit through commercials, but that’s no different than if you had watched the programs on the regular boob tube.

3. Games
It used to be that you could only play basic games like chess and backgammon online, but that has changed over the last few years. Nowadays, you can play quite robust MMOGs like World of Warcraft and SWTOR (Star Wars the Old Republic) without having to pay a fee.

4. Online Dating
We hear a lot about major sites like eHarmony and, but did you know that there are actually online dating sites that you can use entirely free? The most popular one is, which boasts millions of members.

5. Audible
You can get an Audible free trial that lasts for 1 month. This entitles you to download a free audiobook and get discounts on everything you purchase from the site. Continuing the service after 1 month will incur a fee, but you get a lot during the free trial period. Try Audible for 1 month here.

These are just some of the things you can do online for free. So the next time you are bored and don’t have money to spend to relieve your boredom, try out some of the suggestions above. For more information on free trial offers, also be sure to check out the website,

What do you think about online matchmaking?

Matchmaking is something that traditionally, people like our friends and family have done. But in today’s world much of the matchmaking that occurs is done online, by computers no less. So can you trust a computer algorithm to find something as elusive as love for you?

The answer seems to be yes, at least for some people. I did a bit of research and it seems that Matchmaking sites like eHarmony have been responsible for thousands of marriages a year, for many years now. And other studies have indicated that people who find relationships online are more likely to be happy and stay together. If you don’t believe me, just do some searches online and you’ll find tons of articles confirming that online matchmaking does seem to work rather well. Who would’ve thought? It looks like computers have us beat in the matchmaking department. Maybe it’s because they take emotion out of the equation and simply match people up using proven theories about compatibility.

With all the data being gathered by sites like eHarmony, I imagine compatibility matching will become even more sophisticated and accurate over the years. I don’t know if eHarmony constantly tweaks their algorithm, but they would be fools not to, since they have endless streams of live data coming in daily upon which they can draw to fine tune their system.

But eHarmony is still far from perfect. Those who have tried it have mixed results, but based on the people I’ve talked to, they more often have positive things to say than negative ones. One complaint I have heard a lot is that the system is slow to generate matches and using the site therefore requires some time and patience, something that not all of us have in the fast-paced world of today. Nevertheless, those in search of love could do worse than using a site that has an impressive track record. For more information, and to get an eharmony free trial, just go to

Professional Video Marketing Tactics You Need To Know

You can effectively boost business and profits with the use of video marketing. You need to learn the best strategies for video marketing if you want to propel yourself to success using this method. The piece below is full of useful tips and tricks for smart video marketing.

Panasonic Camcorder

You should make as many videos as you can. This encourages viewers to keep checking your channel for new content. This will also help broaden your audience as more people can find your links through a general search.

Offer great content to have a video go viral. There is no need to own the most expensive equipment to attract a huge audience. If your video offers people information that is valuable, they will watch it even if it is not of the highest quality. Purchase the best quality video camera you can comfortably afford to produce your video content.

Working with a team is a helpful way to make video content. These people can be members of your family, your friends or fellow members of a club, and they do not have to be people from your workplace. Put their names in the credits at the end of the video.

A high production cost does not guarantee a good video. As long as your video is focused and well-balanced, you can use standard equipment. You don’t need anything fancy for a good quality video. Just breathe and talk directly into the camera. You don’t even have to do that, really. Sometimes it is possible to utilize PowerPoint presentations and screen capture sequences to do the job.

One of the most popular reasons for browsing the Internet is to locate information on how to accomplish one task or another. A great way to reach your target audience is to create tutorials related to your business. When they realize you are an expert, they will surely be interested in additional offerings.

Keep your messages clear in your videos. If you are poorly prepared, you can easily veer off topic. Utilize an outline to help you prepare for shooting the video. Being focused is going to help you have video marketing success.

Don’t forget about YouTube. You should begin your video marketing campaign here. It doesn’t cost anything. They also are visited the third most out of every website there is. It is the most widely visited video site on the web, and it has the reputation of being the second most widely used search engine for videos.

Your content must be engaging. As you create a video, make certain that it is relevant, timely and engaging. YouTube is a great way to promote your videos, and interesting videos are what YouTube users want to see. Folks like engaging content that contains solid information. The more interesting and engaging your videos, the more likely you will be to see sustained growth and increases in traffic.

Bring your camera along to any professional event. You should have a good quality camera if possible. For a list of good video cameras, check out this article on cnet. Find some experts and professionals who are willing to answer a few questions for a quick interview and film different things to document the event. If you do any public speaking, be sure the event is recorded on video.

Make sure your content is fresh and interesting. Boring content only drives away potential viewers, and that is not good for your business. You want people to wait on your next move with anticipation. You will attract more viewers if your content is interesting.

Surely you no longer have any doubts about the merits of video marketing and its possibilities. Take full advantage of the tips that have been laid out for you here. Don’t hesitate; do it today.