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    Compound Interest-Friend or Foe?

    Compound interest… Two words that make me think about my maternal grandmother. I know what you’re probably thinking why would something connected to money make her think about grandma? Let me explain… My grandmother was widowed when she was just 51 years old. She was a very independent lady, didn’t rely on her family, didn’t want to burden my parents so she’d adopted a mindset that made sure she was financially secure to the day she died (at 87). She had two ways of looking at money and debt. First one was, make money work for you and save up for something you want and then buy it. Never buy it and…

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    The Added Cost of Being on Auto-Pilot

      We all know being disorganized can cost us money. I can’t tell you how many times I’ve rushed out to buy something I know I already own but can’t remember where I put it. I’m getting better at being organized but one thing that can also eat away at your budget is payments that are on auto-pilot. I’ve signed up for services, memberships to sites etc. without thinking about how payments are made during the second year. A couple of times I’ve been sent e-mails saying thank you for staying on as a customer for another year. But what, you say, I didn’t make a payment to you. In fact, I wanted to…

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    Going Green Means Saving Green

    Earth Day is this Saturday and here are five easy ways I’ve found to go green and save money at the same time-     Showers You can buy low water flow shower heads or even buy adapters to go on your current one. Neither are that expensive and if you’re think the water will just dribble out of the showerhead, you’d be surprised how the new versions are so good that you hardly notice the difference.       Dirty Laundry Where I live, putting laundry outside to dry isn’t something I can do year round but when the temperature heats up a great way to save money on electricity (and your…

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    YouTube a Goldmine for The Budget Minded

      I don’t know how many of you ever spend time on YouTube but over the last year or so I’ve discovered there’s a goldmine of information there for budget savvy people like us. With that in mind, I decided to put together a list of some of my favorite channels in various categories so here they are- For the Budget Minded A YouTuber based in Utah has this fun and informative channel called The Melea Show- https://www.youtube.com/user/Freebies2Deals Another one of my favorites is the Do It On A Dime https://www.youtube.com/user/DoItOnaDime And who can leave out The Krazy Coupon Lady https://www.youtube.com/channel/ Or even discovering free stuff…free is always good. https://www.youtube.com/user/freestufffindercom/about?…

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    Budget Smart Girl Update

      I know I’ve been saying this in what seems like forever, but I’m in the process of getting back to regular posting on the site. I’ve recently updated it, cleared out all the back archives, and it will soon be ready to re-launch. I’m hoping to bring the site back to how it was in its glory days before I got too busy and let it fall by the wayside. I even thought about selling it or handing it over to someone who would love it as much as me, but I just couldn’t do it. So thanks for sticking with me and I promise starting next week I’ll…

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    Friday Round Up-Organizing and Decluttering

      Happy Friday to you. The weather took a downward turn and it looks like winter is back. I guess last week’s 60 degree temperature spoiled me and I have to face up to reality. Roll on spring and summer.   Speaking of which… Getting Ready for Canning Season I’ve been on a decluttering and organizing binge. One of the areas in the basement that was in most disarray was the section where I keep all my canning jars and equipment. After searching online for some ideas, I stumbled upon an item called a Jar Box that’s not only a way to organize your canning jars, but keeps dust, dirt…and…

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    Friday Round Up-Save Money On Soap (that’s ugly)

          Good Friday to you and it’s the last one in February. The weather’s taken a winter like turn but I know spring is around the corner. The Ragu Giveaway I don’t know if there was a glitch in the system last week or what, but no one entered the Ragu sauce giveaway so I’m running the contest again. The first person to e-mail me, gets the Ragu sauces. Ugly Soap I’m a huge fan of artisan soaps and if you’ve tried buying them you’ll know they’re pricey. However, as every Budget Smart Girl knows there’s always a way around the price. While I was doing some research…

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    September Savings

      Georgine tells us about lots of items going on sale now that summer’s winding down- September already! Where did the summer go? While we’re still enjoying the remaining warm days, if you want to get out and exercise, bikes are on sale. Throughout the fall you will get some great prices especially on last year’s models. If you want to plan ahead for a holiday gift, now would be the time to buy. Other summer staples to keep your eyes opened for are sales on grills and lawn mowers. Stock up on reduced utensils, charcoal, and lighter fluid that you can save for next year. If you’re into gardening…

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    August Savings

      Georgine has lots of ideas for saving money this month- August means summer is almost over. Don’t despair because there are lots of bargains and sales in the stores whether you are going back to school or work. If your air conditioner isn’t keeping you as cool as you like, now would be a good time to replace it. Prices drop with the temperature. This goes for lawn mowers and garden equipment as well. You’ll save by buying now. At the end of the month patio furniture and accessories should be down to rock-bottom prices. If you’re a camper, check out the prices now so your Labor Day weekend…

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    May Savings

    Here are Georgine’s tips for saving big this month- May is the month that flowers start to bloom Be sure to check the nurseries and garden stores for not only the best selection, but some good prices, especially near Mother’s Day. Be on the lookout for special sales and deals on picnic and BBQ items. May is the kickoff to summer outdoor fun. If your deck or patio needs some spiffing up after the long winter you can find some bargains in furniture and accessories. The earlier you shop the better the selection you will find. Keep in mind you may be able to snag last year’s models at a…

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