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Financial freedom is achieved not only through accumulation but also by practicing expense reduction and debt elimination.
If you do not know your current financial position, it is impossible for you to live your ideal life style or to properly plan for your future.

Therefore the first step is to understand your current financial position.  To budget is to plan, to add value and impact to your life!
In the budgeting process, you will know the YOUR numbers and not be guessing, at your numbers.
To achieve true financial independence and liberation requires discipline planning, integrated with your lifestyle.
Making wise decisions and discipline with money is a skill you can develop.   These are skills that don't develop naturally they MUST be cultivated.  These skills
are not taught in school.

The key here is budgeting does not add limits; it removes them!



101 Ways to save money...NOW


…Trim the fat, not the fun from your budget!

Benjamin Franklin once said, “A penny saved is a penny earned”.

This special report will provide you with more than 101 strategies to

save money on everyday items so you can afford the things you really want.


“Nobody ever went broke saving money”.



#1 Cut your taxes in half- that’s right, in half! 

 Put an extra $5,000 or more in your bank by owning and operating a legitimate home-based business.


The tax-advantages alone can put thousands of cash dollars in your pocket making it one of the best financial moves you'll ever make.

It is now almost impossible to have only one job in the family and make ends meet! Today, many households need three incomes just to survive.

Sadly, even having more than one job does not produce any major positive effect on most people's bank accounts. Why? Because of the tax laws.

No wonder more and more people are starting home-based businesses. In fact, there are an estimated 30 million people working from their homes today. You should be one of them.


Why a Home-Based Business Makes So Much Sense

There are many reasons why so many people are favoring home-based over getting a second job.

There is no commute (unless you have a really big home), no boss, little if any chance of lawsuits, must lower overhead, no employees, (or few), and far fewer government restrictions. In fact, many of the laws previously cited don't apply to small firms with few or no employees. It is for these reasons, according to Entrepreneur Magazine:

There are really two sets of tax laws in this country. One is for employees which allows deductions for individual retirement accounts, 401(k)s (if you have one set up by your company), interest and property taxes on your home (which some in Congress want to do away with very soon), and charity. Then there are the laws for home-based business people who conduct their business either full-time or part-time.

A Home based business can deduct, with proper documentation, their house, their spouse, and even children (by hiring them), their “business” vacations, their cars, and their food with colleagues. You can also set up a pension plan that makes any government plan seem paltry by comparison.

If you don't have a home-based business, start one today!

In addition to all the benefits mentioned above, Congress will subsidize you while you are growing your home-based business. If your home-based business produces a tax loss in the first year or so, you can use that tax loss against any other income you have. It can be used against wages earned as an employee, dividends, pensions, or interest income or you can use the loss against your spouse's earnings if you file a joint return.

If the tax loss exceeds all your income for this year, no problem. You can carry back the loss two years and get a refund from the IRS for up to the last two years of income taxes paid or you can carry it over the loss twenty years. You read it right: You can offset up to 20 years of income!

Here's an example:

John earns $50,000 in a job with the government. If he starts a home-based business that generates a tax loss of 10,000, he only pays tax on $40,000.

In fact, if everyone in the U.S., who is employed full-time, began a home-based business, used the strategies I suggest, each household could easily save between $2,000 and $10,000 in taxes each year.


 What will you do for vacation?

Combine your vacation with business and make life a little less taxing!

Tax Deductible Vacations

How would you like to deduct all of your vacation costs that you have this year?


You can and it is easy to do. Let me illustrate how with a successful networker that I know named Arty.

Arty wanted to take a two week trip around the US…everything is much cheaper when you get a deduction- Cha- Cha- Cha.

  1. Strategy one: Make all business appointments before you leave for your trip

Most people wrongly believe that they can go on vacation and give out their business card in order to make the trip deductible.

You must have at least one or more business appointments before you leave.

IRS, in fact, requires you to have a business purpose incurred before you leave for the trip.

The first thing that Art needs to do is to set up appointments in various cities such as Chicago, Sacramento, and Phoenix before he leaves for the trip.

Example: Art wants to vacation in Hawaii. If he makes contacts with some of his team to perform a presentation, IRS would presume that his purposed would be for business.

Hot Tip: Keeping copies of all correspondence would also be very helpful.


Strategy 2:   Be on "Business Travel" to deduct all the on the road expenses

In order to deduct any on the road expenses you must be traveling on business.

By definition, you are on “business travel” whenever you are sleeping overnight in a strange bed... conducting business!


Example:  Art wanted to go to a regional meeting in Boston which is only one hour drive from his home. If he were to sleep in the hotel where the meeting will be held in order to avoid possible automobile and traffic problems, he will be deemed to be on business travel.

Hot Tip: You don't need to live far away to be on business travel. If you have a good reason for sleeping in your destination, you could live a couple of miles away and still be on business travel status.


Strategy 3: Make sure that you deduct all of your on-the-road expenses for each day away.

For every day that you are on business travel, you can deduct 100% of your lodging, tips, shoe shines, laundry and dry cleaning, car rentals, and 50% of your food.

Example: Art spends three days meeting with potential distributors. If he spends $50 a day for food, he can deduct 50% of this amount that is $25.

Hot Tip: According to the IRS, no receipts are required for any travel expenses under $75 per expense. The only exception would be for lodging.

Example: If Art pays $6 for drinks on the plane, $6.95 for breakfast, $12.00 for lunch, $50 for dinner, he does not need receipts for anything since each item was under $75.

NOTE: You would, however, need to document all these items in a diary. Hopefully, you are beginning to realize that a good tax diary is essential in order to audit proof your records.


If however, Art stays in the Bates motel and spends $22 on lodging, would he need a receipt? The answer is YES! He would need receipts for all paid lodging.

Hot Tip: Not only are your on-the-road expenses deductible for your trip but you may also deduct all your laundry and dry cleaning incurred if the clothes were soiled on the trip.

Thus, your first dry cleaning bill that you incur when you get home would be fully deductible. Make sure that you get the dry cleaning receipt now that you are home and also get your clothing dry cleaned within a day or two of being home. Don't wait two weeks to have your clothing dry cleaning!

Strategy 4: Sandwich weekends between business days.

Interestingly, IRS notes that if you have a business day on Friday and another one on Monday, you may deduct all the on-the-road expenses for Saturday and Sunday.

Example: Art makes appointments in Florida on Friday and has some meeting on the following Monday. Even though he has no business on Saturday and Sunday other than "monkey business", he may deduct all the on-the-road expenses incurred on Saturday and Sunday as business days.


Strategy 5: Make the majority of your days, “business days”.

IRS says that you can deduct your transportation, in addition to the on-the-road-expenses, if your primary purpose of the trip was for business.

Thus, not only do you have to have some appointments in advance, but also the majority of the days must be for business.

Otherwise, you cannot deduct any transportation expenses. This is an all or nothing proposition.

Factual example: Art spends seven days in San Diego. He leaves early on Thursday morning. He has a seminar on Friday and meets with distributors on Monday and flies home on Tuesday, taking the last flight of the day home after playing a round of golf. The question is how many days are considered business days? Hopefully, you said all of them? Thursday is a business day since it is a travel day. This is true even if upon arrival he spent the whole day on the beach. Friday is a business day because he had a seminar. Monday is a business day because he met with current and potential distributors in which he had some pre-arranged appointments. Saturday and Sunday are business days since they were sandwiched between business days. Tuesday is a travel day, thus a business day. Thus, every day was considered a business day.

Hot Tip: Since Art had six business days, he could spend another five days having fun and still deduct all his transportation to San Diego. The reason is that the majority of his days would still be business days (six out of eleven). However, since he had six business days, he can only deduct six days worth of lodging, dry cleaning, laundry, shoe shines and tips.

The important point is that Arty would be spending the same money on lodging and airfare and food, but now his expenses will become deductible.

The bottom line is that, with proper planning, you can deduct most of your vacations if you combine them with some business, therefore, you can make your life a lot less taxing!


Your business qualifies you to earn huge tax breaks approved by Congress and the IRS.

Discover how to legally, morally and ethically slash your taxes by 50% or more ...Guaranteed!

You can save $3,000 to $9,000 in taxes every year - legally, morally, and ethically.

Congress has approved a number of tax breaks as incentives for small businesses. Owning a home-based business is the best way for the average person to take advantage of these tax breaks.

QUIZ: Did You Know…?

Taxes are the largest expense for most people. It exceeds what they pay for food, clothing, lodging and transportation

According to the American Taxpayer Union, in 1958, the average American paid 18% of their gross income on federal, state, and Social Security taxes.

Today, the average American spends 41% of their gross income on taxes.

That means you are likely working 5 months of every year to support the government instead of your family!

How to Stop Supporting the IRS!

What if you could cut the time you work for the government from 5 months to 2 or 3 months legally, morally and ethically? You can by using some of over 137 tax-reduction strategies.

People were not getting the help and tax planning information they should be receiving, and therefore, are losing literally billions of dollars of deductions.

Many people view tax planning as complicated but, I knew, with the right knowledge, most strategies were surprisingly simple to do. I know and understand how easy it is to learn and use these good tax laws. We have saved taxpayers many thousands of dollars each year in taxes as a result of our work.

What You May Not Know About the IRS...

As a small business owner, you have more tax breaks available to you than anyone else. Unfortunately, these tax breaks go unused because most small business owners don't know about them - and the IRS isn't telling them. Any home-based business, even part-time, that is not a hobby and is in pursuit of a profit, can qualify for huge tax breaks – it’s US Government Tax Law.


Want a Fast Way to Make More Money?

The fastest way to get that raise you want is by just being able to keep more of what you make now. The only kind of income that counts is what you can keep. By owning a home-based business and taking advantage of the tax breaks available to you, you can keep more of your income, even if your business isn't producing a profit! You just need to know the laws and how to apply them.

Now you can open this gold mine of easy-to-use tax relief to increase your spendable income by up to $9,000 each year… Guaranteed… or your money back!

Once you understand what is available to you, you will be amazed how easy it is to amass, literally, thousands of dollars of overlooked or unknown deductions each and every year simply by being in business either full-time or part-time.

What's most amazing about our tax law is that you merely need to pursue a profit to get all the wonderful tax deductions.

Could You Use an Extra $3,000 to $9,000 a year???

Every American taxpayer who works a full-time job and does not have a side business is probably overpaying taxes to the tune of $3,000 to $9,000 every year. Even self-employed people who do have businesses are collectively overpaying their taxes as a result of lack of tax knowledge to the tune of about $160 billion annually!

These Tax Breaks Are For You!

As a home-based business entrepreneur, there are more tax breaks available to you than to anyone else. Any home-based business, in pursuit of a profit, can qualify for huge tax breaks - it's US Government law! A top attorney with the IRS said he could see that very few business owners were taking advantage of the "good tax laws" that were available to them.

Why Congress Has Enacted Tax Breaks for
Small Businesses Like Yours

The US Congress really wants to help your business to grow. They want jobs for the economy. And they know small business growth means more jobs. 70% of the people in the U.S. are employed by small businesses. This is where most of the job growth is coming from as big businesses downsize and lay people off.


Always check with a tax advisor

  • How to deduct most of your fun such as movies, plays and season tickets.
  • How to deduct your golf, golf balls, golf clubs and lessons.
  • How to deduct all parties in your home.
  • How to audit-proof your records so that you will have the peace of mind of knowing you will never have to worry about an IRS audit again. You will be amazed how, in minutes a day, you can easily keep the IRS away forever.
  • How to deduct any vacation anywhere in the world by combining the trip with business.
  • The secret why the IRS doesn't require receipts for under $75 per item!
  • How to deduct all dry cleaning and laundry and even the cost of clothing itself!
  • How to audit proof all travel from even the toughest IRS scrutiny.
  • A little-known secret (used by the super rich) to deduct the cost of your children's weddings and education including law school and medical school - No kidding!!
  • The secrets on deducting all your kids braces, all dental, all mileage to and from the doctor, all deductibles, all eye glasses and contact lenses.
  • How to deduct two or even the cost of three or more cars in your business.
  • How to really audit-proof your automobile deductions.
  • Whether it is better to buy or lease your car. This program includes a complete detailed analysis as to when leasing is better or not.
  • How to avoid the mistake that over 90% of business people make that costs over $5,000 per year in lost automobile deductions. This one is a killer!
  • The biggest secret that most investors miss that would cut your capital gains taxes in half!! This one strategy could pay you thousands.
  • How to legally take a home-office deduction and yet actually reduce your chances of an audit.
  • A bunch of deductions people are missing at home even if they never claim a home-office deduction.
  • The secrets of what to do if you get audited and eight strategies on how to actually reduce your chances of being audited.
  • The pros and cons of incorporating and about the various types of business entities that are available to you.
  • The real secrets on how to structure any activity as a business and not like a hobby.
  • How to convert charitable contributions to become business deductions.
  • And much, much more. 101 strategies in all!


Start your own business NOW!

Tell me, honestly, what was the one most influential determining factor that made you start or look into starting a home based business? I feel pretty safe saying it was most likely to "Make more money." Right?

Maybe you were just hoping to "realistically" make a few hundred to a few thousand dollars a month. Maybe you were bitten by the "Home Based Business Dream Bug" and saw yourself living it up on a beach somewhere drinking margaritas and casually logging in to your bank account to see how much money you had made while you were asleep.

Maybe your main goal was to have more "Time Freedom or be able to spend more time with your family..." etc. If this is the case, every REASON to start your own home based business is to have that extra income that will allow you to not have to work all day everyday and still have food to eat and a roof over your head... Right?

No matter the reason, no matter what your goals are for your business, there are 2 things I can tell you FOR SURE that are true for you in your business, no matter what kind of business you are operating.

First: No matter what "they" tell you, it is going to take some actual
REAL WORK to grow your business

I don't care what your upline told you when they recruited you into your business; it is NOT going to just grow itself. Maybe this news has come as a shock to you and if you are shocked, be glad that someone is finally telling you the truth. But, the truth is you are actually going to have to put in some REAL EFFORT in order to build a stable, long term, and lucrative business.

You are going to have to either put in some "real effort" in the form of time or money. Time spent learning the business, talking to people, using the internet for marketing, etc. Or you are going to use your "time" to "LEARN HOW" and then spend some "money" marketing your business.

Second: There are MANY little known and rarely leveraged tools, strategies, techniques and benefits that are available for you to use in order for you to work "Smarter rather than Harder" in your Home Based Business

There are about a million "Gurus" out there promoting about 10 million different eBooks, training manuals and marketing systems that will help you to find more people (both online and offline) for you to recruit into your business.

That is NOT what this eBook is about. This eBook is NOT about teaching you how to grow your business (although if you do what I will show you, it will happen automatically) and it is not about how to recruit more people (this also will happen if you do what I suggest). That's just not what this eBook is about.

Just like it is stated above, this eBook is about teaching you:

How to leverage the LEGAL Tax Benefits of ANY legitimate Home Based Business to increase your after tax, take home income by as much as $200-$800 or more PER MONTH before you ever generate a single lead, sell a single product or recruit a single new associate into your business.

To clarify, this is money that you have already earned at your day job, your full-time business, or your spouse's day job. However, maybe you have already "Made it" and neither of you are working a regular JOB, then this like any of the situations above will still help you get the most tax breaks on what you are earning from your business. We are talking about an actual increase in you TAKE HOME, actual money that you can start using immediately from the paycheck you are already earning from your regular job -- STARTING WITH YOUR VERY NEXT PAYCHECK!

Seriously, follow what I will teach you below, and you could bring home an additional $200-$800 or more starting with your very next paycheck!

This is not at all about making more sales, recruiting more people etc.

This is about the fact that Congress has passed laws granting anyone running a legitimate home based business THOUSANDS of dollars in tax breaks that you can take advantage of, allowing you to pay less in taxes out of each paycheck, and allowing you to take home potentially hundreds of dollars in additional income each month, from the work that you are already doing.


Congress officially declared to the IRS:

"Give thousands of dollars in tax breaks to Americans who run a Home-Based Business -- Even on a part-time basis -- and don't make them wait until April 15th to get their money."

Additionally, the Supreme Court stated in the case of Gregory vs. Helvering, 293 US 465 (1935):

"The Legal right of a taxpayer to decrease the amount of his taxes, or altogether avoid them by means which the law permits, cannot be doubted"

"Everyone with a home-based business needs this information. Everyone without a home-based business needs it even more. - Robert Allen"

Think about it:

Would an extra $200 to $800, per month, or more, of immediate cash money make a difference for you and your family?

Would an extra $200 to $800, per month, or more, of immediate cash money help you start, build and grow your business?

Of course it would! $800 a month is a mortgage payment for many people or the money you need to invest in developing multiple streams of income. This extra money would be a way for you to cover ALL of your Home Business costs, marketing costs, autoships, lunch meetings, etc. You can essentially "Partner with Uncle Sam" as I like to call it -- let Uncle Sam cover the cost of your business!

Now, thinking from this perspective, I am sure you can understand that if you knew exactly how to take an average person, working an 8:00 to 5:00 job, and show them how, by simply joining you in your business

(NO MATTER WHAT BUSINESS OR COMPANY IT IS, as long as it is legitimate) you could show them how to increase their after-tax income by $200-$800 or more per month, it would make it A LOT easier to recruit people right?

I can hear it now: "Hey Joe let me show you how to get a $200-$800 per month raise without having to work any harder or even ask your boss for it..."

I think you get my drift.

OK, now that you are starting to see the value behind this largely un-leveraged benefit of running your own home-based business, you are faced with 3 Major Problems that you will need to overcome in order to take advantage of it, and make sure that you are doing so legally.

FIRST: You will need to know the actual tax laws. You will need to know the tax code inside and out so you can make sure you are in line with the law. You will not only need to know the tax code as it is today, but you will have to know each and every law that might change in the future, many of which change regularly.

This problem can be virtually impossible to overcome and is the reason why 99% of the people running a home-based business do not take advantage of these readily available tax breaks. Most people don't know the law, don't know where to go to find out more about it or are just too scared to try it for fear of getting into trouble.

SECOND: Once you understand which tax breaks you are eligible for and understand what you need to do to take advantage of them you are then faced with the problem of actually getting organized and keeping track of all of your deductions in a format that will be easily referenced when you and/or your tax professional does your tax filings at the end of the year.

THIRD: Let's say you learn and understand the law; you have done everything you needed to do to get the most of your legal advantages, tracked all your expenses, and documented your deductions, etc. Now, you have to find a Tax Professional who really KNOWS the Home-Based Business Tax laws. Most CPA's, accountants and "Tax Professionals" are either unaware of the tax advantages available to home business owners or they are simply afraid to tell you about them.

Afraid? Why would my Accountant be Afraid to tell me about them?

Because most "Tax Professionals" wrongly believe that taking advantage of these perfectly legal tax deductions and credits could cause you to get audited.

Of course, nothing could be further from the truth! These are 100% legal, ethical, and available tax credits granted to you by Congress. You won't need to fear an audit as long as you:

  • Understand the Tax Law, Rules and Regulations set forth by Congress and the IRS
  • Keep good records
  • Operate your business on a consistent basis and have an intent to make a profit

That's it! That's all it really takes to "Qualify" for these amazing Home Business Tax Advantages!

At first glance these problems might seem like they are too much to deal with. You might be sitting there feeling like the other 99% of home business owners out there who are losing out on the hundreds of dollars per month of additional take-home income because they are either unaware of the benefits, too scared to do anything about it or think that they don't have enough time to do what it takes.

Honestly, those fears are entirely legitimate. Trying to figure all this out on your own is pretty much impossible for just about everyone! There are entire libraries FULL of tax codes that you would have to read through in order to find the specific laws that apply to you and your business.

It is just not possible to do it on your own! Without the right "TOOLS" and hands-on assistance from a qualified home-business tax professional to guide you through the process, I would be the first to tell you to forget about it and not even risk trying to figure it out on your own.

So, you want to take advantage of these amazing Tax Advantages?

What are your options for getting your hands on these "Tools"?

As I see it you basically have 3 options if you want to take advantage of these amazing tax deductions/benefits:

FIRST: You can go about trying to figure it out for yourself. Remember what I said above: "Without the right "TOOLS" and hands-on assistance from a qualified home business tax professional to guide you through the process, I would be the first to tell you to forget about it and not even risk trying to figure it out on your own." Really, this is not an option for most people.

SECOND: Head over to Google, and look up one of the hundreds of "Home Business Tax Gurus" who will more than willing sell you an out-dated Book, eBook or tax planning kit and then push you off and say "Good Luck, I hope you don't get audited... Remember, I am not a qualified tax professional so you can't REALLY trust much of anything I say so make sure to consult with a qualified tax professional before following any of my advice..." Not to mention the fact that 99% of the people that buy these products will never actually open the book or review the info in the course. Again, as I see it, NOT really an option for most people.

Remember: the tax laws are constantly changing, I know of one law that changed 3 weeks ago! So any book or course that was published before then is now outdated, and if you run your business based on what these books or courses are teaching you, you will be doing so on outdated info! This could cost you thousands in missed tax deductions or worse yet, make you vulnerable if you are AUDITED

THIRD (AND ONLY REAL OPTION FOR YOU): Leverage the Revolutionary Suite of Professional Business Tools and Qualified Tax Professional Support available ONLY through:

With your membership to Business Tax Advantage you will get all of the Tools, Training and Support needed to take advantage of all of the tax benefits available to all Home Business Owners. Simply, by following an easy to understand step by step process for just a few minutes each day and you will be able to take advantage of all of the following tax deductions and many more:

Business use of your car or truck
By leveraging just this one deduction you could be able to increase your monthly take home income by hundreds per month! You will want to leverage this deduction, at the very least!
Marketing tools and office supplies
Pretty much everything you need to run your home office to properly build your business is now tax deductible.
Portions of your rent, mortgage, home-maintenance and repairs
Write off the portion of your home that is regularly used for business purposes.
Write off a portion of your utilities
A portion of your gas, electric, water, sewer, garbage and other utilities can be a tax deductible business expense.
Hire your kids to work in your business
Don't pay your children an allowance - Teach them while they are young the value of hard work and the benefits of owning a home based business. If you hire them to work for you, you can deduct what you pay them as a business expense. The best part is if they are under 18, some or all of the income they receive is non-taxable so they get to keep everything they earn.
Mobile phones, office phone and internet service
Write off the business use portion of your home and/or mobile phone, as well as your internet service. Or, you could always just get a second line specifically for your business.
Gifts, meals, recreation and entertainment expenses
Turn your next lunch or dinner at your favorite restaurant, golf game or other sporting event into a tax deductible business expense.
Non-reimbursed medical and health care expenses
Anything your employer does not cover could be covered by your home-based business.
Computers, furniture, furnishings, and other office equipment
Desks, chairs, copy machine, fax machines, laptops, printers are all tax deductible business expenses.
Business travels that may include a family vacation
Go on a business trip and stay a few extra days and relax with your spouse and the rest of the family.
Meetings and conventions
These can be local, out of state, or in another country as long as they are ordinary and necessary for your business.


Plus many more business costs and expense


Here are more tips to save money without changing your life style:



#1 Shop Once Per Week - It is a known fact that grocery stores are set up specifically to entice you into spending more than you intended. Impulse purchases can increase your grocery bill by as much as 35%. Avoid this by shopping only once per week and slash an average $143 off of your food bill.


#2 Shop Online – Better yet, avoid the store all together by purchasing household necessities over the internet. Because of the reduced overhead costs, online retailers are generally able to offer the same products found in a brick and mortar store for considerably less. Add to the fact that you can often eliminate sales taxes and find free shipping deals, you can kiss high shopping bills goodbye.


#3 Bottle Water At Home – Americans are obsessed with water, spending over $X billion dollars a year on bottled water. Save $42 or more per month by investing in a water filtering system and bottling your own water at home. Not only will you keep more of the money you earn but you’ll be doing the environment a favor by cutting down the amount of bottles that find their way into landfills.


#4 Buy In Season Produce – We all know that eating five servings of fruits and vegetables everyday is good for you. But buying produce that is out of season is bad for your wallet. You’ll save between 20-50% simply by going with the flow of nature and eating what’s in season. Visit to find a list of in season fruits and veggies.


#5 Buy Organic Selectively – While healthier for you than conventional fruits and veggies, organic produce can cost up to $2.00 more than those that come from farms which use conventional farming methods to grow crops. Cut down on the amount of pesticides you ingest while keeping a healthy budget by going to and learning which produce contains the most pesticides and which ones don’t and shopping accordingly.


#6 Buy Private Label – The private label products of most stores are just as good as, or better than, the brand name versions of the same products. You can save an estimated $15 or more by switching to store brand canned produce, batteries, pain relievers, and basic beauty items such as nail polish remover.


#7 Look for Deals Online – In addition to using paper coupons, go virtual and look for coupons, rebates and deals online. Sites like, and are great places to go to find coupons, and free shipping offers and even earn a few dollars.


#8 Get a Virtual Shopping Assistant – If you love to shop but don’t have the time or inclination to scour the internet or offline sale papers for good deals, sign up to This site lets you sign up to be notified whenever your favorite designers go on sale at popular retailers such as Nordstrom.


#9 Use Loyalty and Reward Points – Take advantage of loyalty and points reward programs. These programs let you accrue points that you can use to purchase travel or merchandise. Most programs also send coupons and notices of special deals for members.


#10 Shop Second Hand – Buying gently used merchandise from second hand boutique stores can net you some brand name goodies at 50-75% off the normal retail price. Going this avenue is great for DIYers with the time and know-how to make an old side table hot again.


#11 Shop With Eyes Only – While it is better to avoid temptation in the first place, if you go to the mall or retail store avoid handling merchandise you have no intention of buying. According to two marketing professors, professors Joann Peck (University of Wisconsin-- Madison) and Suzanne Shu (UCLA) touching products increases our sense of ownership of them, making it more difficult to leave it in the store.


#12 Inconvenience Yourself – You are far more likely to overspend if it is easy for you to shop. If you only need a few items, use a hand basket rather than a cart. Only need one or two things, ditch the basket altogether.




#13 Pack a Lunch – The average cost of a fast food meal is $6.00. Not only does eating at burger and taco chains increase your waist size but they can drain your wallet. When cooking dinner make extra and then take the leftovers to work with you for lunch.



#14 Transportation Reimbursement – Ask your company about a transportation program that lets you put pretax money into a prepaid account for transportation costs such as parking fees and mass transit fees. You can set aside up to $230 per month which will net you a savings of about $80 per month.


#15 Carpool – Not only is carpooling a great way to catch up on office gossip, you can reduce your commute costs dramatically by sharing a ride with an office buddy. Simply ask around the office for people who live close to you who may be interested or visit for help finding fellow commuters in your area.

#16 Ride a Bike – Cycling to work is not only a money saving alternative to driving, it is also greener and a great way to get your daily dose of exercise.


Purchasing a good quality bike at around $500 and riding to work on the days when the weather is nice will net you up to $250 in savings per month.


#17 Start Your Own Home Based Business – Nine to five grind got you down? Starting a home business is great for both the spirit and the wallet. Since you’ll be working from home, all the money that you have spent on gas, clothing and restaurants will go back into your bank account. It is important, though, to start the right kind of business. Look for one with little to no overhead costs to avoid spending as much money on your business as you did when you worked at your job.




#18 Downshift – Do you really need multiple cars? Even though owning two cars may be very convenient, you are paying twice the cost of fuel, insurance and maintenance than a household with only one car.


Get a cash boost by selling it. If you can live without a second car, downgrade to a more economical option such as an Escort or Camry.


#19 Drive the Speed Limit – Speed demons pay more in fuel costs. The faster you drive the fewer miles per gallon you’ll be able to squeeze out of your gas tank. Going the speed limit can save you up to 23% a month.


#20 Maintain Your Tires – Keeping your tires properly inflated reduces drag and improves gas mileage. Check your tires weekly with a pressure gauge to make sure they stay at the manufacturers recommended tire pressure to get a 3% boost in your mileage.


#21 Get the Junk Out of the Trunk – Driving around a hundred pounds of unnecessary items in the trunk of your car can reduce your mileage by as much as 2%. Dump the extra load to increase fuel efficiency.


#22 Be a Safe Driver – Aggressive driving is not only illegal in most states but can cost you big time. Constant accelerating and decelerating wreaks havoc on your gas mileage. In addition to that, aggressive drivers are involved in more accidents which results in higher insurance premiums. Give your wallet a break and drive safe.



#23 Share a Babysitter – Make going out on the town a little less expensive by sharing a babysitter with friends. Since there will be more kids you can pay the sitter a higher rate but one that is less than what you would have paid separately. For example, $20 per hour combined vs. $15 per hour separately.


#24 Swap Babysitting Duties – Better yet, skip the sitter and swap babysitting duties with other couples who have children. The kids will have more fun playing with their friends and you’ll have more money to spend for your night out.


#25 Swap Pet Sitting Duties – Along the same vein, instead of taking Fido to a kennel when you go out of town leave him with a fellow pet owner in exchange for the return of the same favor. Your pet will have a more comfortable place to stay and you’ll have enough money to bring him back a souvenir from your trip.


#26 Make Your Children Less Taxing – There are several tax breaks you may be eligible for as a parent. For example, the Child Tax Credit gives you an additional $1000 per child under seventeen in tax credits. A qualified accountant can help ensure you take advantage of all deductions you qualify for.


#27 Take Advantage of Flex Spending – Even though 85% of employers offer Flex Spending accounts, only 6% of eligible workers take advantage of the program. That’s leaving money on the table. A Flex Spending account allows you to put pretax dollars in an account that can be used to pay for child care costs (up to $5000) including day camps and health care costs ($3000-$5000 depending on the employer.


#28 Just Say No – It is estimated that over a five year period of time, parents will provide around $59,000 in financial assistance to adult children. Make children pay their own way by reducing or eliminating the money you give.





#29 Circumvent the College Bookstore – Retailers, such as Barnes & Noble, are getting in on the college books market and you can often find the same books for less. Additionally, students can save themselves the headache of trying to sell their textbooks at the end of the semester by renting them from or


#30 Get a Realistic Meal Plan – Chances are pretty slim that your child will actually use the full meal plan. Really, who eats cafeteria food on a Friday night? Instead of forking over a fortune for a full meal plan downgrade to a 7 or 14 meal plan. Your student will still have access to food more nutritious than candy and diet soda and you’ll save a few dollars.


#31 Take Advantage of Student Discounts – Students are eligible for all sorts of discounts especially on travel. Invest in a Student Advantage card that will net them 10-15% discounts off air, train and bus fair. The card will pay for itself on the first trip.


#32 Deduct Medical Expense – You may be able to deduct medical expenses for spouses and dependants if they exceed 7.5% of your gross income. This includes tuition and related expenses for special schools the student may need to attend for developmental or learning disorders. A qualified tax consultant can give you more information about the code.



Personal Services

#33 Repair Instead of Replace – Stretch out your shoe dollars by taking worn out kicks to a shoe repair shop.  Replacing worn out soles and repairing the tips on heels is a lot cheaper than doling out hundreds of dollars on a brand new pair of shoes.


#34 Hand Wash – Most clothes that say dry clean only can be washed in the machine or hand washed. Cut the dry cleaning budget by hand washing silks and sweaters in cold water. Linens can be put in the machine. However, bold colors such as red and navy should still be sent to the cleaners.


#35 Stretch It Out – Make hair color last by using a touch up kit to color roots. You can add two weeks to the life to your dye job.


#36 Go to a Beauty School – For basic services, such as a manicure or basic cut, ditch the expensive salon and go to a beauty school. You’ll receive a deep discount off beauty services in exchange for letting students sharpen their skills. Don’t worry; students are monitored by experienced staff that makes sure they do the job right.

#37 Take Pets to Grooming Schools – Likewise, pet grooming can also be relegated to a grooming school rather than going to an expensive pet parlor.


Pets will receive the same four paw treatment for less.


#38 Work Out Cheaper – Exchange your expensive gym membership for one at the YMCA. You’ll get the same workout at up to half the cost. If you are particularly self motivated, search online for free workout routines you can do in your home.


#39 Switch Pharmacies – Save money on your medication by switching to lower priced generics at pharmacies such as Walmart or Target.


#40 Go Mail Order – If you need the brand name medication, then check out your medical plan’s mail order service. You can often get the same medication for less purchasing it through the mail rather than going into a pharmacy.


#41 Plug Money Leaks – Pay attention to where your money goes by logging all purchases for one to two months. You may be surprised to find you are leaking cash like a sieve by spending it on unnecessary items or things you can get for much less if you switch to the home version. For example, ditch the $5 lattes at your local coffee bistro by purchasing an espresso machine and making your own at home.


#42 Get Waived – You can save $40 or more simply by asking the cell phone company to waive the activation fee if you are a new customer. If they decline, let them know that the activation fee is the deal breaker and threaten to walk away. Nine times out of ten, the cell phone company will waive the fee to keep you.

#43 Unlimited Talk for Teens – To keep up with their busy social lives teens spend, pretty much, all of their time talking and texting on cell phones. Invest in an unlimited calling and text plan to avoid potentially outrageous cell phone bills.


#44 Combine Plans – If you are paying for a cell phone for an elderly parent, instead of purchasing a separate service, simply add them to your existing family plan. Most providers only charge $10 per month for additional lines vs. $30 per month for a basic cell phone package.


#45 Drop the Landline – With cell phones, wireless and cable internet available, there is no particular reason to have a landline telephone anymore. Even major cities have begun reducing the number of landline pay phones in their towns. Maybe you should consider cutting the line too.





#46  Wash in Cold, Air Dry – 90% of the energy washing machines use goes towards heating up the water for use in the warm and hot settings. Severely reduce this energy drain by washing clothes in cold water. Forgo the dryer and hang clothes out to dry.


#47 Install Solar Panels – Energy from the sun is free and abundant. Installing a twenty panel solar energy system produces enough power to service up to 30% of the energy needs of an average sized home. With the tax rebates offered by the government until 2016, now is the perfect time to go green.


#48 Install Solar Water Heater – If your water heater is due for a replacement, then consider installing a solar powered water heater. A 56 square foot system will save up to $230 per year in energy costs. In addition to saving you money, installing solar products on your home increases its value in today’s environmentally conscious market.


#49 Insulate Walls and Crawlspaces – It is estimated that a 1/3 of a home’s energy is wasted because of a poorly insulated home. If your house is not already designated as energy efficient, then you can benefit from having the walls and crawlspaces insulated. You’ll lower your energy bills and household noise will be reduced as well.


#50 Install a Power Saver – Conserve energy for use when it is needed most by installing a power saver that turns the heat off at night when everyone is asleep. You can set it to start warming up the home 30 minutes to an hour before it’s time to get up for the day.


#51 Get an Energy Audit – Download the checklist from and check for energy leaks in the home. Or if your power company offers an audit service have them come out and tell you what you can do to make your home more energy efficient.


#52 Layer Up – If you are chilly, instead of turning up the thermostat, put on a sweater. You’ll save 1% on your heating bill for each degree you lower the temperature.


#53 Switch to Compact Fluorescent Bulbs – Although compact fluorescent bulbs cost more initially, in the long run they are the cheaper choice. They use 75% less energy than regular bulbs and last 10 times longer.


#54 Buy Out of Season – Buy large ticket appliances out of season. For example, you can up to 40% on the cost of a new air conditioner if you purchase one in the dead of winter rather than the middle of summer.


#55 Get Inked – Printer ink is ridiculously expensive. Cut your costs by getting cartridges refilled rather than buying new. If you can’t find anyone in your area, check online for mail order companies that perform this service.


#56 Cut Out the Lawn – Downgrade your full service lawn care and pick the extra work. For example, have your landscaper take care of the lawn while you take on the responsibility of edging and trimming the bushes. Better yet, do away with this luxury altogether and become your own landscaper.


#57 Refinance – Although the housing bust was tragic, there is one positive thing to come out of the whole mess. Interest rates are at an all time low. If your interest rate is at least 1% or more above the current rate consider refinancing. On a $300,000 home, you could lower your monthly mortgage payments by $250.


#58 Make a Smart Move – If your nest is empty or you otherwise don’t need as much room as you used to, consider moving to a smaller home. You’ll save on the rent and energy costs tend to be lower on smaller homes.


#59 Do It Yourself - Many household repairs can be done by anyone with enough time and patience. The internet is a wonderful resource for learning how to minor repairs like caulking a tub or fixing a leaky faucet.


#60 Rent Tools – While it is nice to have an assortment of tools on hand whenever you need them, it really is a waste of money to purchase specialty tools you’ll only use maybe once every few years. Save money by renting tools from places like the Home Depot.


#61 Borrow Tools – Better yet, there are places where you can borrow tools for free. No, not your neighbor’s garage. Tool lending libraries are available in most major cities. Search Wikipedia for “tool lending library” to get a complete list of cities that offer this service.



The Basics

Slash your electric bill 6 easy ways

But before you spend money to save money by upgrading to the latest energy-efficient gizmos, check out the list of "no-cost-or-low-cost" tips for saving energy from The strategies listed maximize your "sweat equity" in reducing home energy consumption, including unplugging unused appliances, lowering the temperature on your electric water heater to 120 degrees F, and washing only full loads of dishes and air drying them.

Spending hundreds to save pennies generally doesn't make sense, but if you're already in the market for a new appliance, or even light bulbs, consider the Web your first energy-savings tool.

A typical household uses the bulk of its energy for heating and cooling -- up to 44% of the utility bill, according to the DOE's Energy Efficiency and Renewable Energy Network (EREN).

Programmable thermostats can reduce energy wasted heating or cooling a house when no one is home or everyone's asleep.

According to the Home Energy Saver site, Energy Star programmable thermostats can save as much as 20% to 30% on your heating or cooling costs by allowing for multiple daily settings and automatically adjusting when the outside temperature changes. Participating manufacturers include Honeywell, Hunter Fan and Smart Systems International. Unfortunately, it's not easy to search for programmable thermostats by Energy Star status. Instead, keep an eye out for those with features typical of the Energy Star thermostats: temperature recovery systems, two programs and four temperature settings.

Ceiling fans:  Moving air tends to feel cooler, allowing for higher summertime thermostat settings. According to EREN, the effect is equivalent to lowering the air temperature by about 4 F (2 C), and using less energy than air conditioners in doing so..

Lighting, cooking and other appliances:The next-biggest household energy use after climate control is for lighting and appliances. Not counting the fridge, these comprise about 33% of a typical utility bill.

Compact fluorescent lamps (CFL's): CFL's use up to 75% less energy than standard incandescent bulbs and last up to 10 times longer, according to Home Energy Saver. This is good, because they're also more expensive initially. I found the best prices at, both for individual bulbs and through its discounts for orders of 10 or more bulbs. Its price for an individual Phillips 13-watt, 2-Pin 840-lumen bulb is $2.77. The flat-rate $7.90 shipping charge is an added reason to order in bulk here.

Energy-efficient appliances: Using the Energy Star site as a starting point, I decided to search for Maytag washing machines. I found the Atlantis MAV9600 high-efficiency model for $689 at Best Maytag. With a $100 rebate from my utility's WashWise program, the price drops to $589.

Among household appliances, the refrigerator is likely your biggest energy consumer, especially if it's more than 15 years old. It can account for up to 9% of your energy costs alone. Again, use the Energy Star site for a list of energy-efficient models if you're looking to replace yours.

Water heating
Heating water is the third-biggest home-energy cost and typically accounts for 14%-20% of your energy bill.

Hot water jackets: Because hot water jackets usually sell for $10 to $20, shipping charges for buying them online can easily increase their cost by 50% or more. It's best to use the Web to find offline deals in this case. At the Home Depot site, I found a $10 Frost King vinyl-cased fiberglass jacket for water heaters up to 60 gallons and used the online site to find the closest store. (If I'd needed to purchase an entirely new electric water heater, I could have taken advantage of yet another local rebate from my utility -- this one for $30 for one of the qualified models.)

Aerating, low-flow faucets and showerheads: Since a bathroom faucet aerator came in that free conservation kit with the compact fluorescent bulbs, I hunted for deals on efficient showerheads. Both Niagara and AM Conservation models popped up on a variety of environmental sites, including EnergyGuide, which also had the best price for the four-way adjustable Niagara showerhead at $6.75.




#62 Get the Promo – Look into the promotions your cable company is offering new customers. If it is a better deal than what you are currently getting, ask the cable company to switch you. If they decline, threatening to move to a competitor will usually have them seeing things your way.


#63 Cut the Cord - Better yet, cut the cable if you don’t watch enough television. Instead, go online to places like Hulu and watch your favorite shows.


#64 Rent Cheaper – Movie lovers should sign up to a service like Netflix who will send you movies through the mail or download them directly from the website. The service is much cheaper than going to a rental store and you won’t have to worry about late fees. Another option is to rent from Redbox which provides the latest releases at about $1.00 per day.


#65 Afternoon Special – For movies that are still showing in theaters, go to a matinee rather than an evening show. You’ll save money and since there will be less people; you’ll be able to enjoy the show in peace and quiet.


#66 Do Lunch – Exchange your dinner reservations for lunch. The same tasty food will be served but at lunchtime prices which can be 20% less than dinnertime dollars.


#67 Have a Light Dinner – Ignore the dinner menu and order entrees or from the bar menu. Some of the food found on that side of the menu are enough to fill you up.


#68 Treat Yourself – Have a relaxing dinner at home then have only dessert at the restaurant.


#69 Get the Entertainment Book – The Entertainment book is a publication that includes coupons as well as a card that gets you deep discounts at restaurant and hotels. The cost of the book is around $35 but pays for itself within a few uses.



Financial Services

#70 Banking Alerts – Overdraft charges are at an all time which the average fee coming in at a whopping $35 per transaction. Set up alerts to your phone or email accounts that will let you know how much you have in your account and when bills are due to be paid.


#71 Avoid ATM fees – It seems insane but you can pay up to $2.50 per transaction for accessing your money from a non-proprietary ATM. Avoid the fee by only using your bank’s ATMs or opening an account with an online bank who will refund those fees to you.


#72 Free Checking – In this era of free checking, there is no good reason to continue using an account that charges you every month to hold onto your money. Switch to a no-fee, or free, checking account and save $120 or more every year.


#73 Open an Account – On average, check cashing places siphon 3-4% of your check every time you use the service. Avoid these fees by opening and using a free checking or savings account.


#74 Check Cashing – If for some reason you are not able to open a bank account, cash checks at places like Walmart which only charge a basic fee of $3.00 per check cashed.


#75 Prepaid Debit Card – Another good option for those without bank accounts is to use a prepaid credit card. Most cards allow direct deposit and will waive the monthly fee if you deposit a minimum amount into the account every month.


#76 Negotiate Credit Card Rates – Banks are raising interest rates in an effort to recapture some of the money they lost in the housing crisis. If you have good credit and have been a good customer, then call the credit card company and renegotiate your rates. If they won’t budge, threaten to move to another company. If they still won’t cave then transfer your balance to a credit card company that offers a better rate.


#77 Get Cash Back – A better deal is to switch to a card that gives cash back on purchases. Both Amex and Discover have cards that pay you for using them. It’s like getting an extra percentage off purchases.


#78 Pay Off Debt – A better plan is to pay off credit card debt all together. You’ll save thousands of dollars in interest rates and will enjoy the peace of mind that comes with being debt free.


#79 Pay Cash – You are far more likely to spend money if you use your debit card. Cut down the temptation by paying only in cash. You’ll actually feel the pain of parting ways with your money which will force you to think about whether or not you really need what you are buying.


Leisure and Travel


#80 Negotiate Your Rates - Use to negotiate lower prices on hotel rooms, flights and auto rentals. This is a great way to cut your travel costs especially if you are flexible in your travels dates.


Visit for great tips on successfully getting the price you want.


#81 Travel Off Peak – The majority of vacation destinations have peak tourism times, usually during the summer for amusement parks and the winter for tropical destinations. Traveling during the off peak season can provide significant discounts.


#82 Avoid Tourist Traps – Instead of going to a popular tourist destination, go someplace unique and less well known. You’ll still have a fun one of a kind vacation but will pay less for it.


#83 Timeshare – Ask around your social network for anyone who owns timeshare that they may not be using. Rather than let it go to waste, many people will rent it to you for cheap or let you stay for free.


#84 Free Food - Stay at hotel that offers free breakfast. You’ll $20-$30 (for a family of 4) per day just eating at the hotel rather than going to a restaurant.


#85 Make Your Meals – It’s understandable that you go on vacation to get a break from maintaining the household. However, get a room with at least a microwave and fridge and purchase ready to eat meals and snacks. Eat lunch at the hotel and save your money for a fabulous dinner.


#86 Exchange Homes - Do a home exchange instead of staying in hotel when going on vacation. Find someone who lives in the town you want to visit and offer to exchange homes for a week. Need help finding people? Visit for offers.


#87 Fly Off Peak - Take inconvenient flights, like the redeye, for lower rates. Planes tend to be less crowded during that time so travel should be more comfortable.


#88 Nix Baggage Fees – Try to book flights on airlines that do not charge baggage fees for the first bag. AirTran, JetBlue, Southwest and Alaska Air give you the first bag for free. The others charge. Needless to say, the fewer bags you have, the less you will need to pay for your luggage.


#89 Pack a Lunch – If you are visiting amusement parks, instead of eating at the restaurants onsite, take food and snacks in cooler. Save your money for the rides and souvenirs.





#90 Home Security - Installing an alarm system can reduce your homeowner’s insurance premiums up to 20%.


#91 Say No to Pet Insurance – Unless your pet has chronic health problems or the breed is susceptible to expensive diseases, it is unlikely that the savings will ever be more than what you pay in premiums.


#92 Make Teens Pay – There is no doubt about it. Adding a teen driver to your car insurance policy can increase your premiums by as much as 96%. Although, you can reduce the rate by having your teen take a driving course (15% discount) and keep their grades up (25% good student discount), you can’t beat the 100% discount you’ll get by having your child pay for their own insurance.


Offer to help pay for a car if the teen agrees to be responsible for their own insurance payments.


#93 Squeeze the Discounts – Often an affiliation, such as AAA or AARP will net you a discount off your insurance rates. Be sure to talk to your broker about any that you may qualify for.


#94 Raise your Deductible – Raising your insurance deductible can reduce your insurance premiums by as much as 14% (@ $1000 deductible). It’s better to up your deductible and set that money aside in an interest bearing account.


#95 Drop Collision – Unless it is a collector car, you can probably get away with dropping collision coverage on it. If the replacement value of the car is significantly less than the amount you’d pay for a years worth of collision coverage, then drop the additional insurance.


#96 Pay as You Drive – Insurance companies, such as Progressive, are starting to offer plans that base your premiums on how much you use your car rather than your driving record. If you are an occasional driver, then installing the wireless device that tracks your driving could save you up to 30% off your premiums.


#97 Price Comparison – It is a good idea that whenever your insurance policy comes up for renewal to take some time to compare rates with other insurance companies. However, don’t be so quick to switch. Sometimes calling your current company with your findings is enough to get them to lower your rates.



Personal Development

#98 Write it Down – It will be much easier to stick with your financial goals if you write down what they are and review them often. It’ll help take the edge off living a frugal life, especially if you are not used to it, if you have a clear idea of why you are doing it.


#99 Take it Easy – Living more frugal is really a lifestyle. And like all lifestyle changes, it takes time to really get into the groove of things. Cut yourself some slack especially if you are working on more than one goal. For example, if you quit smoking at the same time, focusing more on getting rid of the cigarette habit will eventually save you tons of money in both product costs and health care costs.


#100 Drop Expensive Habits – While we are on the topic of expensive habits, doing a lifestyle inventory could turn up some bad habits that are costing you an arm and a leg. Literally, poor lifestyle choices, such as consuming large amounts of sugar and eschewing exercise, could result in the onset of a much more expensive disease down the road.


#101 Reward Yourself – You know what they say about all work and play. You are far more likely to stick to a savings plan if you reward yourself for meeting your goals. Set aside some Crazy Money that you can use to spend on whatever you want. That way you can splurge without breaking your budget.






If you read this far you are well on your way to a better life for you and your family.

Ok, so now you know how to put thousands of dollars back in your pocket, month in and month out. If you want to learn more about how to make your life better for you and your family, please allows us to help you not only make more money but save more of what you already make.

Don’t wait – Take Charge of Your Life Today!

Contact me today – Jim Dachinger –