smtblog Profile

Join Date:

Blogs Owned

Learn how to save money and cut expenses, ways to make money online, and how to get out of debt.

Visit Follow

Other Tags: saving money, debt, making money, frugality, freebies

Latest Blog Posts

  • 4 Ways to Save on Apartment Utilities
    on Nov 17, 2014 in Money Saving Tips
    By Jennifer Riner of Zillow Many prospective leaseholders erroneously calculate their monthly rent budgets without factoring in utility costs. Electricity, heat, water, gas, cable, internet and trash removal often act as separate expenditures, detach...
  • Free Two Year Subscription to LEGO Magazine
    on Aug 4, 2014 in Free Stuff
    Whether you collect LEGO as an investment or just for fun, this is an offer that you simply cannot turn down.  Just sign up at the link below and you’ll receive a two-year membership in the LEGO club including free copies of LEGO Club Magazine.
  • Sizing Up Your Debt
    on Jul 22, 2014 in Debt Uncategorized
    Debt is a major problem in today’s world. It’s easy to get so far into debt that it seems like your every move is blocked by an insurmountable wall. But with the right plan, the right mindset, and a little bit of work you’ll be able...
  • Steer Clear: What to Avoid to Save on Your Cell Bill
    on Feb 26, 2014 in Money Saving Tips
    Money is tight for just about everyone right now, barring the cell phone company CEOs who are raking in more money than they know what to do with because you’re paying too much on your cell phone bill. Sometimes bills are inevitable to avoid, bu...
  • 5 Ways to Save $50-plus Per Month
    on Jun 4, 2013 in Money Saving Tips
    David Bakke constantly searches for new ways to save money and shares his findings on the personal finance blog, Money Crashers. Show me a bunch of ways to save $10 per month, and I won’t be too interested. Explain to me how to save $25 a month...
  • What is Superannuation?
    on May 29, 2013 in Retirement Planning
    A girl I used to work with moved to Australia a few years ago and she recently came back to the US to visit her family. While she was in town I met her for lunch at the same old diner we used to eat at when we worked together. While Elaine and I wait...
  • 10 Ways To Cut On Energy Costs At Home
    on May 14, 2013 in Home
    When it comes to reducing energy costs, little gestures can go a long way. By apply these 10 simple tricks at home, you will shrink your energy bill, all the while doing something good for the planet! 1. Fight the Phantom Load! You probably think tha...
  • Saving in the City: Ways to Lower Mortgage Costs in an Urban Area
    on Apr 9, 2013 in Loans Real Estate
    When the economy takes a nosedive and the unemployment rate remains at all-time highs, homeowners begin to scramble to look for real ways to lower their mortgage costs. Before refinancing a home, homeowners often search for other avenues of cash to h...
  • Comparing Business Broadband Packages
    on Jan 24, 2013 in Business
    If you need to upgrade your broadband to a faster/better business package you might be wondering where to start looking. There are now so many telecoms companies on the market, all claiming to provide super-fast speeds and excellent value for money.
  • What is PMI?
    on Dec 18, 2012 in Real Estate
    If you’re shopping for a house as a first time homebuyer you probably can’t afford to put down 20 percent of the sale price as a down payment.  That doesn’t mean you won’t be able to secure a mortgage or buy a home, but it does mean you’ll...
  • Should You Use a Realtor or Sell Your Home Yourself?
    on Nov 27, 2012 in Real Estate
    When you’re selling your home you want to try and get as much money as possible.  You also want to minimize your expenses, which means you may be tempted to sell your home without the aid of a realtor and his 6 percent commission.  After all, if...
  • Four Things First Time Home Buyers Don’t Always Consider
    on Nov 21, 2012 in Real Estate
    For millions of people, buying a house is like a dream come true.  They imagine themselves sitting in their backyard drinking cocktails with their friends while the kids play on the swing set and nothing could be better. But for all too many people...
  • When to Reevaluate Your Life Insurance Needs
    on Oct 10, 2012 in Insurance
    None of us likes to think about life insurance, but unfortunately it is something that we do need to consider.  After all, none of us will love forever.  And when we want to know that when we’re gone our loved ones will be taken care of. But how...
  • Types of Life Insurance
    on Sep 14, 2012 in Insurance
    Life insurance is necessary for most people, but it can be very confusing to shop for.  There are so many different options and types of policies, and at the same time, most insurance is sold by high-pressure salesmen.  As a result, you may not tru...
  • Namecheap Coupon Code September 2012
    on Sep 4, 2012 in Coupons and Discounts
    If you’re looking to register a new domain then i highly recommend using Namecheap.  I use Namecheap for all of my domain registrations because I like the easy to use interface and customer service is top notch. Plus, for the month of Septembe...
  • Fall Is the Perfect Time for a Low or No Spend Month
    on Aug 27, 2012 in Family Life Money Saving Tips
    Summer is supposed to be a time to relax and unwind, but if your family is like mine, summer was busy, busy, busy.  And with that extra activity usually comes extra spending.  You take the kids to the amusement park for a fun day, you get take out...
  • $5 Printable Toys R Us Coupon
    on Aug 12, 2012 in Coupons and Discounts
    My daughter’s birthday is next week and she’s getting a new bike (shhhh…it’s a surprise!) so this coupon came out right on time!  We already used it to save $5 on the purchase.  Print it out today because it expires on 8/16.
  • What is Van Insurance?
    on Aug 8, 2012 in Insurance
    If you own a small business and operate any kind of van to deliver goods or services then you may be surprised to learn that your business travels might not be covered under your personal auto insurance policy.  You should check with your insurer ri...
  • Preparing for Long Term Care for Your Parents
    on Jul 31, 2012 in Insurance Seniors
    When we’re kids we think nothing will ever happen to our parents.  We just assume they’ll be there by our side forever.  But as they get older and start to experience healthy issues we come to understand that they will one day be gone.  It’s...
  • Develop an Entrepreneurial Spirit in Your Child This SummerIf you have a child between the ages of 7 and 12, chances are that they enjoy earning money, but there aren’t many opportunities for them to earn as much money as they would like.  This summer, help them utilize their time off to develop an entrep...