By Cheri Gillard

ISBN-10: 0307458474

ISBN-13: 9780307458476

With phrases like "recession" and "record unemployment" filling the air, the common family--regardless of the way the economic climate is treating them--will be taking note of the finances. that is why 99 how one can Stretch your house Budget will obtain a hot reception because it provides rankings of sensible rules to economize round the house.

Cheri Gillard
, previously an obstetrical and NICU nurse, is a contract author and editor, plus the mummy of quadruplets.

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Check with your library to see if they carry what you want and borrow issues instead of buying. If you take daily newspapers, compare with weekend-only packages and Sunday newsstand pricing. Consider switching to online versions. Many are free. Be careful not to renew and send more money without checking when your current subscription expires (check the mailing label). Some companies send renewal notices regardless of how many years you’ve already prepaid. And if it’s a gift subscription, be wary of renewal notices asking for payment the giver may already have made.

Savings = varies) COLLEGE CREDIT As your teen anticipates college, avoid fees by applying early. Many universities will wave application fees if your student gets the paperwork in early. As your college-bound student explores options to pay the cost of higher learning, avoid private loans. They don’t have capped interest rates and are not guaranteed by the government. New bankruptcy laws allow lenders to garnish wages should something go wrong and the borrower can’t pay. Once your student is away at college (or just on the go and in need of some funds), prepaid credit cards will give her the buying power she needs without the risk of debt or identify theft that can come with normal credit cards.

They are cheaper just for being out of the box. Negotiate with the department manager for the rock-bottom price. If you can find minor wear—a tiny scratch, a loose screw—point out the defect and negotiate for a greater discount. Confirm that all warranties are valid. Take plenty of time to shop and compare. Avoid compulsive buying. Don’t shop if you’re exhausted and just want the project done. If you decide on a new model, find it for less at another store then ask for a price match plus additional discount at the original store.

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99 Ways to Stretch Your Home Budget by Cheri Gillard

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