Tag Archive for save money

Part Two: Newborn and Toddlers

Your baby comes into the world; you’re happy yet insecure: am I doing everything right? Has my baby everything it needs? You need a few days to realize that there is a new family member living in your house now.

It takes time to get familiar with all the different needs of the baby, what it likes and dislikes or what it wants when it screams in a particular way. You don’t have to worry about doing something wrong. It’s in a mother’s nature to try and do everything for her baby.

“Making the decision to have a child is momentous – it is to decide forever to have your heart walking around outside your body.” (E. Stone)

So everything you do, you do not only for yourself but also for your child. You do it with love, passion and dedication, and the baby feels that. It will feel the comfort, the love and the attention. The newborn will receive only the best: the best products, the best food, and the best care, just because you want to make sure it’s fine. As far as child care is concerned, everything, starting from their health, hygiene and safety at home and outside the home needs to be considered.

Basically, if you fully dedicate yourself to the new challenge and trust your motherly instincts, you can’t do anything wrong. You will see your beautiful and healthy baby grow a little more each and every day.

You might like this offers on http://barterquest.com

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Part One Of Our New Daily Series About Mothers And The Challenge Of Raising a Child

Part One Of Our New Daily Series About Mothers And The Challenge Of Raising a Child

A new life’s challenge: having a baby! Within the next 9 months there are a lot of things to do and many things to consider, especially if it’s your first child. You have to get clothes, toys and furniture for your newborn. But it’s not necessary to spend all of your hard earned money on things that are brand new. The baby will grow so fast that you have to get new things almost every month.

To avoid stress, the soon-to-be mother should get all the important things for the baby step-by-step. A changing unit, the stroller and a car seat could be obtained during the pregnancy. Thereby, the mother should consider bartering as an option to save money, time and stay green.

But not only material things count to make a baby happy. Especially during the pregnancy, the mother should take care of herself. She should avoid everything which could harm the baby. Drinking a lot of water, vitamins and eating a balanced diet will help the baby to stay healthy.

Pregnancy_bookStrollerSwing

Win a $50 Amazon Gift Certificate

Thanks to our users, our community has experienced an immense growth in the past months. Numerous new users joined, a lot of items were offered and many services were swapped. To thank everybody we are announcing a sweepstakes starting on September 1st 2010 to give you the chance to win a $50 AMAZON Gift Certificate.

It only takes a few seconds to participate:


twitter

- retweet the following message on TWITTER:

“Win a free Amazon Certificate on #Barterquest. Find Information on http://tinyurl.com/29n44jp

or


facebook

Become a fan of BarterQuest on FACEBOOK and post on our wall what you like about BarterQuest or bartering in general.

or


invite

Register on BarterQuest and invite your friends.

By tweeting on Twitter AND posting on Facebook AND inviting friends you increase your chances to win. Do your best and have fun! :-)

The winner will be announced on October 11th, 2010.

The Secret to Saving Money

originally from daveramsey.com

The Secret to Saving Money

In the house of the wise are stores of choice food and oil, but a foolish man devours all he has. –Proverbs 21:20

Saving money is not a matter of math. You will not save money when you get that next raise. You will not save money when that car is paid off. You will not save money when the kids are grown. You will only save money when it becomes an emotional priority.

We all know we need to save, but most people don’t save like they know they need to save. Why? Because they have competing goals. The goal to save isn’t a high enough priority to delay that purchase of the pizza, DVD player, new computer, or china cabinet. So we purchase, buy, consume all our dollars away or, worse yet, go into debt to buy these things. That debt means monthly payments that control our paychecks and make us say things like, “We just don’t make enough to save any money!” Wrong, wrong, wrong! We do make enough to save money; we just aren’t willing to quit spoiling ourselves with our little projects or pleasures to have enough left to save. I don’t care what you make—you can save money. It just has to become a big enough priority to you.

If a doctor told you that your child was dying and could only be saved with a $15,000 operation that your insurance would not cover and could only be performed nine months from today, could you save $15,000? Yes! Of course you could! You would sell things, you would stop any spending that wasn’t required to survive, and you would take two extra jobs. For that short nine months, you would become a saving madman (or madwoman). You would give up virtually anything to accomplish that $15,000 goal. Saving would become a priority.

The secret to saving? Focused emotion. The secret to saving money is to make it a priority, and that is done only when you get some healthy anger or fear and then focus that emotion on your personal decisions. Harnessing that emotion will make you move yourself to the top of your creditor list. Then ask yourself, “Which bill is the most important? After tithing, who should I pay first this month?” The answer is you! Until you pay God first, then yourself, then everyone and everything else, you will never save money.

The advertisers and marketing community are affecting our emotions every day and taking every dollar we have by making us see our wants as needs. It is time for this to stop! Emotions make great slaves, but they are lousy masters. No matter how educated or sophisticated we are, if we are not saving all we should be, we are being ruled by emotions, not harnessing them as financial planning slaves.

So whether you are saving for college tuition, a trip to the family reunion, new school clothes for little Bobby or Sally, or anything else, start saving now! It’s never too late!

No cash? No problem, if you barter

No cash? No problem, if you barter

originally posted by A. Kawlowski on http://www.cnn.com/2008/LIVING/wayoflife/09/02/bartering.rise/index.html

(CNN) — Miriam Brown has always wanted to visit Cape Cod, but when she recently began to plan a trip and found out she would have to pay $200 or more a night for lodging, her dream vacation seemed out of reach.
Miriam Brown and her husband bartered their services for room and board on Cape Cod.

Brown, who lives in New Orleans, Louisiana, is an accountant. Her husband is a home renovations contractor.

Like many people dealing with a soft real estate market and high food and gas prices, they just don’t have that kind of extra cash for a trip.

“I have traveled a lot in prior years, but after [Hurricane] Katrina, there’s just no money for traveling,” Brown said.

So she still plans to go, but she won’t spend any cash at all on lodging.

Brown has joined the growing ranks of Americans who are bartering — trading goods and services without exchanging money — as a way to cope with tough economic times.

Brown posted an ad in the barter community last month, offering to trade her accounting skills and her husband’s knack for home repairs in exchange for room and board on Cape Cod, Massachusetts.

She has lots of company.

“When the economy turns unfriendly, users become far more creative to get their everyday tasks done,” Susan MacTavish Best said.

Swapping ‘to get by’

Other Web sites that put Americans in touch with like-minded people who are willing to trade everything under the sun have also seen a boost in traffic.

“I think a few years ago it was more for fun,” said Jessica Hardwick.

“But we’ve seen a real shift in the last year, and especially an increase in the last few months, where I think people are really doing it to get by.”

Some of the most popular items to trade for late this summer were school uniforms, which some parents found they could not afford to buy for their children, Hardwick said.

Experts aren’t surprised Americans are becoming more financially creative during an economic downturn.
Dealing with the economy

• 67 percent of consumers have haggled in recent months, compared with 33 percent in 2006

• 61 percent of consumers now regularly use a shopping list, compared with 35 percent last fall

• 70 percent of shoppers now look primarily for “the deal” in the Sunday inserts, compared with 51 percent last fall

“Historically, when times get tough, you see a 50 percent-plus increase in bartering as a way for people to be able to buy things or get things and do it economically,” said C. Britt Beemer, chairman of America’s Research Group.

The company talks with thousands of consumers every week to gauge their spending habits and attitudes.

A couple of years ago, many Americans had $500 to spend at the end of the month, but that money has evaporated because of rising prices, Beemer said.

“We’ve never had a time, at least in my lifetime, where you have food and fuel going up at the same time. So it isn’t a question of buying things, it’s a question of buying nothing,” Beemer said.

Breast implants and a horse

Businesses have long recognized the benefits of bartering, and there are hundreds of barter networks set up across the country to fill their needs.

They use barter credits as currency, so a plumber in need of a filling doesn’t need to search for a dentist’s office with plumbing problems to make a deal. He can fix a leaky pipe for one member of a network and use the credits he earned for that job at any other.

“Really, there are no limits to it. We trade for just about anything you can think of,” Michael Krane said.

Bartering on this scale is also robust in tough economic times. Krane said his exchange has seen a 20 percent rise in barter transaction volume in the first six months of this year.

A longtime client is Thomas Forrest, an orthodontist in suburban Pittsburgh who barters his services for everything from office improvements to stationery. His practice hasn’t been affected by the economic downturn, Forrest said, but some of his patients seem glad to be able to visit him under the barter arrangement.

“I think if you have a business owner who has children in need of braces, I sense a gratitude that that’s available,” Forrest said.

Barter exchanges must carefully document all trades, since the Internal Revenue Service considers income from bartering as taxable. However, a barter exchange “does not include arrangements that provide solely for the informal exchange of similar services on a noncommercial basis,” according to the IRS.

In New Orleans, Brown and her husband are getting ready to go to Cape Cod after finding a taker for her bartering offer. The couple will work five hours a day in exchange for staying in “a beautiful three-bedroom house right in the center of it all,” Brown said.

“We can do a lot more if we don’t have to pay for room and board,” she added.

Ways to Save Money during Summer

originally posted by Farnoosh Torabi on http://tinyurl.com/2g2z3je

Summer’s well upon us, and after last year’s “staycation” trend there’s some pent-up demand to go out, get away and have fun. At the same time, we still want to save money. From dining out to buying airline and concert tickets, here are some great saving strategies, … and in some cases free deals!

Restaurants

Americans spent more than $200 billion eating out last summer, according to the U.S. Census.

Day Trips

• Look for Target free arts and culture events. The retailer offers free or discounted entry to museums, concerts and galleries across the country. This year there are more than 2,000 free events.

• Free summer movie days at Regal Theatres. The chain runs a “Free Family Film Festival,” with a nine-week schedule of free movies with select days and times.

• If you’re a member of a discount club you may get discounts when they buy movie tickets in bulk.

• The U.S. National Park Service is offering free admission on August 14-15 at more than 100 parks that normally charge a fee.

beach-picture-waves-people-Tydan

Travel

The average family of four will spend $4,000 on a vacation this summer, according to American Express. Eighty percent of those surveyed said they plan to lower their travel costs. Here’s some help.

• Swap homes. Join a home exchange club like www.barterquest.com. There’s also a housing swap section.

• Book plane tickets on either Tuesday or Wednesday when prices are cheapest, according to travel experts.

• Reserve hotel rooms on Sundays, when the weekend rush is over and hotel managers have time to talk on the phone and discuss available discounts.

Beach

Stock up on food, drinks, beach towels and chairs before you get to the beach. Otherwise, you’re likely to pay a premium for things you can easily get for much, much less back home.

Bartering to save money — share your experiences

originally posted on http://littlehousesouthernprairie.wordpress.com/2010/07/28/bartering-to-save-money-share-your-experiences

Bartering to save money — share your experiences

I would love to live a life where, for reasons much more about Ain’t Got Extra Cash than fuzzy-wuzzy-community-building (though hell, why not), a nice chunk of what I need is exchanged through bartering.

So far my efforts have been not so hot. When I threw out my back and then lived in flabby-ass-confirming misery for two weeks, I posted a possible trade on Craigslist: Work in my garden, and in exchange, I’ll do some sort of writing/editing/tutoring work. I got two bites. One from a guy who wanted me to tutor his daughter, but when I emailed him back for specifics, he never responded; one woman said she didn’t do gardening work but if I needed my house cleaned and could pay her to do it, she was interested.

In the coming weeks, I’m doing to try some dog care swapping with another stay at home mom in my neighborhood. Basically, she’ll watch my pups when I go away for a few days and vice versa. I feel good about it, and if it works, this relationship could save us hundreds in kennel fees.

bartering_image

But what keeps me from pursuing a full-on Life O’ Trading is …

1) For some of these jobs, like dog care or anything where I allow someone in my house, even when I’m there, I need to feel like I can really trust them. And to really trust them, I need to really know them. And if I really know them … I feel guilty about asking them to do any work, even if they’re getting work from me back, because everyone I know is already stressed out and busy enough, you know? In some ways it’s easier to hire a stranger who you can imagine has nothing to do all day except for help you. The unfortunate downside, of course, being hiring costs money. Is bartering best with some magical level of acquaintance?

2) Worries about inequity. I already suspect I’m going to be calling on my dog friend for help more than she will need to call on me. How do you keep things fair, and from one side from feeling overused?

3) That Person. The people who make you feel like you just should have done the project yourself or hired someone. You know, the usually-cool friend who sincerely volunteers to help, but doesn’t follow though because they’re “really busy right now,” and then you’re stuck with more work because you counted on them and shouldn’t have and need to figure out Plan B. We all know people like this, right? Let’s name names in the comments section! Just kidding.

I’d love to hear others’ experiences in bartering (or just, you know, a deal where you help out a friend and vice versa), and any tips you have to share!

Proven Work From Home Jobs

Originally posted by Jules Vandermint on http://tinyurl.com/25wwwh4

Some Top Advantages Of Using Bartering For Your Small Business

Barter is something that is becoming an increasingly popular method of commerce. If you would like to take advantage of the benefits of using bartering for your small business then this is certainly something you could look into. As such, here are some of the benefits that you will see when doing so.

One of the main benefits is the fact that barter increases new business opportunities. You can attract customers and referrals who would not have known about your business had you not joined a Barter network. Members of the network will be a lot more likely to choose you over your competition as there will be no outlay of cash and you can instead use Barter credits. This will then increase your cash sales due to the additional exposure and through referrals.

barter

Your customer base can therefore be massively expanded through your network as well. While you can maintain your current base it will be possible for you to add new customers and new clients into your business through referrals and good word-of-mouth.

You can also improve on your current way of life through joining a network like this as well. You can use your barter credits for any sort of service that you want in the network. And even if it does not, you are able to recruit any other business into the network. In many cases, by doing this you may even receive a bonus for doing so in the form of credits.

If you are interested in joining a Barter network then it is probably best to do your research online. This is another benefit and you do not have to live in the state in which the network operates in order to take part.

All in all, these are some of the primary advantages that you will see if you want to use bartering for your business.

Writer Jules Vandermint describes herself as a “versitile author.” Jules enjoys writing about just about anything including previous articles about , 4 mil poly bags and clear poly bags.

How to Afford Summer Camp in a Recession

Originally posted on http://mioritausa.com/how-to-afford-summer-camp-in-a-recession/


How to Afford Summer Camp in a Recession

When you think of summer camp, the word “affordable” probably isn’t the first thing that comes to mind. And if you’re like other parents concerned about money in this awful economy, you might be wondering how to afford summer camp for your kids this summer. But don’t worry!

There are many things you can do to make the cost of camp more affordable and lesson the financial burden of giving your child a fantastic camp experience this year. Here are three top strategies you can use to save money at camp for your kids right now:

Early Bird Discounts

Early bird discounts are perhaps the best known and highly publicized of your available summer camp discounts. Here’s how Early Bird Discounts work.

Camps generally offer two sets of tuition rates: the regular price, and the Early Bird Price.

If you sign up for camp by a certain date, the Early Bird Price can save you money. For example, one camp in Los Angeles charges $5 per day less when you sign up for camp by March 1.

Since the price increases by $5 per day after March 1, it obviously it pays to sign up for camp sooner rather than later!

camp

Barter

In bleak economic times (like this recession!), bartering can be one of the smartest money-saving strategies you can use. Summer camps want to save money just like you do, so this is a win-win strategy for you both.

Maybe you own an advertising agency and you have a few kids you’d like to send to camp. You might be able to provide advertising services to the camp in exchange for a fantastic camp experience for your kids.

Here’s another bartering concept that actually happened last year. A day camp in Los Angeles needed a nurse, and the nurse wanted to send her kids to camp. So the nurse ended up working at the camp and sent her kids in exchange.

The best way to start bartering is to consider what you might have to offer, and then pitch your idea to the camp director. He or she might be very open to your suggestion!

Sibling Discounts

Most camps offer sibling discounts, but they may not advertise the fact these discount are available. So, if you have more than one child attending camp, make sure you ask the camp director if they offer sibling discounts.

The discount will vary from camp to camp, but generally, the most common sibling discount we’ve seen is 5% off each additional camper beyond the first child.

Five percent may not sound like a lot, but given how much a high-quality summer camp experience costs these days, 5% off can save you a load of money!

Hopefully these three money-saving tips will help you save money off your camp tuition this year. Good luck!

4 Ways to Succesfully Barter for Real Estate

Originally posted by Sequoia on http://tinyurl.com/24blygt

4 Ways to Succesfully Barter for Real Estate

If you are short of cash, it is possible to barter for real estate. You may not qualify for a mortgage that covers the purchase price, or you may not have enough cash for the down payment. In these scenarios, you may be able to barter for the real estate you want to purchase.

Step 1: Determine What Part of Deal to Barter

There are many different parts of the transaction that you will be able to barter including the down payment or a discount on price, commissions or closing costs. You can barter for part or all of the real estate purchase.

bartering

Step2: Determine What to Offer

For bartering to be successful, you must offer something of value that the other party will accept in exchange. The most common items used in barter are cars, boats, services, goods or other properties.

Step 3: Determine Value

Both parties must agree to the value of the item that is being used in the barter. Value can be determined by appraisals, sticker cost or comparables. The value will be used to determine the monetary value offset in the real estate transaction.

Step 4: Exchange

The attorney or title agent handling the closing will need to account for the value of the barter in the settlement statement. He or she will need to verify that the items to be bartered are exchanged.