Building Your Savings Account
One of the most important ways to be frugal is also one of the most difficult, and that is building your savings account cushion- an emergency fund, yes, but also a fund that makes it possible for you take advantage of unexpected bargains.
We recently were given an unexpected opportunity to buy 1/4 or 1/2 of a beef cow which had been raised by an agricultural student at the local U. He had reared the animal on organic pasture and some non-GMO feed, and now needed to butcher it to finish his class assignment. He was selling it for 3.00 a lb. Without the cushion we have built up in our savings account, we would be unable to take advantage of this. Not only does this save money (since meat of this quality is usually five dollars a lb or more in our area), having a freezer full of meat at 3.00/lb is a hedge against the coming inflationary food costs we know we will be seeing in the grocery store.
There are only two ways to build that savings cushion: find ways to cut back on spending, and using the money you saved for your savings account, or find ways to earn some extra income.
Ways to save money:
Beans and rice and other frugal eats. More here.
Navy showers and other ways to reduce utility costs
Drastic budgeting in the kitchen
Save money on utilities in the winter- I have a post on that here, and one with more tips here.
Stock up on groceries when they are on sale so that you are only shopping to replenish your pantry, and you are doing that only from sales.
I read a tip a few years back from somebody who watches the holiday sales in her area very, very carefully. She cuts back on her grocery buying for a couple months in advance and starts making room in her freezer. As soon as any store has a loss leader sale on holiday meats- turkey, hams, roasts (lambs in the spring)- the sort of sale where you get the turkey practically free for spending a specific amount in groceries- she goes to the store, restocks her diminishing pantry and gets the free turkey. Then she does it again. The she goes to the next store with a similar deal. Her goal, she said, was to get all her meat for free this way and fill her freezer. I’ve never done this, partly because nowhere I’ve lived has offered free birds for a minimum grocery purchase since I read the idea. But it is an example of thinking creatively about the grocery budget and how to make the most of sales. More here.
Try Mechanical Turks (varies based on your skill set- such is life. Our fifth daughter has made nearly 100 dollars using Amazon turks, in things that didn't take her much time))
I’ve written at least two posts here at Frugal Hacks on quick ways to come up with some emergency cash- here, and here.
If you blog, here’s a good place to start reading on monetizing your blog.
Here’s where to get more information on how to buy a parenting ebook I and three other moms of large families wrote togehter! or become an affiliate, which is another way of making some extra income.
These free titles for Kindle may (or may not) be useful
These books are free at the time of listing. This can change, so be sure to check the cost first before you download. I love to hear from our readers, but I do not love to hear that a book listed here is not free because this tells me you did not read the first sentence of this post and that makes me sad. On the plus side, it might even make me sad enough to eat chocolate, so there is that.
You do not need a Kindle to take advantage of these offers. You can read them on various free reading apps I often read mine on my laptop if they are short enough books, even though I have two kindles. That's because my kids keep taking off with the Kindles to read their school books and they don't remember to recharge them before returning.
If you’re curious, this is the Kindle I have, and I have used others and mine remains my favorite. Mine has Keyboard 3G, Free 3G + Wi-Fi and I don’t have commercial screensavers. The second Kindle is actually one I was given in exchange for some writing work, and I gave it to my two teens. It does not have 3G, which is why it's their Kindle.
I haven't read these myself unless otherwise noted. They are just free titles that looked like they might be interesting readers. I do take some time to screen- often, but not always, reading the first few sample pages, always reading at least the first 5 star AND the first 1 star reviews, usually more, sometimes even hunting up free titles at Gutenberg so I can read more of the actual text. There are a lot of books I look at that never make it to these 'free4Kindle' posts. Nonetheless, I'm still just skimming the surface- I don't have time to read the books and get them listed before the 'free' listing expires the price goes up. I'm not vouching for the content, unless otherwise noted. I'm just a bird-dog, sniffing through the forest and weeds of free listings and occasionally pointing at something that might be interesting. Then again, it might turn out to be a decoy. I'm not a well trained bird dog.
Starting your own Home Business online can be most rewarding. My home business is selling products online. In this book I’ll tell you about some of the benefits of running a home business online; How to get started even if you have no money, Where to go to find wholesale suppliers, How to approach wholesaler suppliers you want to do business with? There may be one or more suppliers in your own home town and I’ll tell you how to find them. Do I need to pay a fee to the wholesaler to sell his products? How to know if the product you are interested in will sell online and where you can sell them. Can I sell this product for a profit? Can I compete with the big boys? How to get products below drop ship cost. What is drop shipping? How to not get scammed! Before doing any business from home, check with your local zoning board to make sure you can run your business from home. Where and how do you get your sales tax number? Why do you need one? Do you need a website? How do I put up a website? What is Affiliate Marketing? Who are Liquidators?
Discover how to make hundreds or even thousands of dollars a month publishing your own ebooks on Amazon Kindle, Barnes and Noble NOOK and other popular platforms.
Did You Know....
Amazon.com sells 105 ebooks for its Kindle for every 100 printed books.
USA Today recently said 8 of the top 20 best sellers were eBooks.
More than 20% of all book publishing revenue in 2011 was from electronic book sales !!
Here's just a few of the tips and techniques that you will learn from my Sourcebook.
How to find topics that will sell by seeing exactly how many people search your subject on the search engines both in the US and worldwide..and satisfy those
wants and needs.
How to find profitable niche markets and create ebooks that dominate that niche.
Write it yourself or job it out ?....How to find thousands of qualified ghostwriters that will write your book for less than $100... and you don't pay until it's perfect.
Learn how to get your ebook covers designed for under $15 with unlimited revisions that will attract readers and boost sales. The cover for this book was done in 2 hours by a dsigner i found on line in the Philippines !!
Learn how to promote your book and drive buyers to Amazon Kindle, NOOK and other sites.
If you want to increase your income and have a sucessful at-home business... publishing ebooks is the way to go.
Learn how to create a KDP (Kindle) or a Barnes & Noble (NOOK) account and have your ebook ready for sale within hours.
Learn all the formatting tricks that will have your ebook approved and accepted quickly and without problems.
My eldest girl is the mother of two very busy toddlers just 13 months apart, and she's expecting their third before the oldest will be 3. She is bringing in some fun income via ebay- this week she will make a 40 dollar profit on a coffee cup she bought for .42 cents!
You will soon see the headlines saying;
Heirloom Seeds... Organic Seeds... and Non Hybrid Seeds... are ALL BANNED!
The setup for this coming ban can be found in both the Monsanto Protection Act and the EU Plant Reproductive Law.
"Survival Seeds For Life" tackles the controversial coming ban of organic seeds, heirloom seeds and other non-hybrid seeds and shares with you what to do now to prepare and what to do when the ban is in effect.
Yes! Despite the impending ban of these seeds, there is a way to take control of one’s own seeds, crops and food supply... and that's where "Survival Seeds For Life" becomes one of the most important books you will ever read.
GMO's have overrun the marketplace and polluted our plates and battered our bodies with toxins causing sickness, disease and even death.
Add to that the coming worldwide food crisis do to massive crop damage, critical death of pollinating bees and ever increasing food prices... and you have the making of a historic food apocalypse.
This isn't fear mongering or me being an alarmist... this is me being a realist.
Book Profits Dot Com is your complete guide to establishing and growing a PROFITABLE online bookstore. Written by a 10-year veteran of the online book trade, Book Profits Dot Com teaches you the tricks of that trade - from finding free books to making happy customers out of angry ones - that can ensure your online bookstore provides maximum returns for your effort. It also provides a sample business plan that will help you outline your own business strategy, costs, and commitments before you spend a dime on inventory.
If you have ever wanted to own your own bookstore, Book Profits Dot Com will tell you bluntly what you're getting into. It will also reveal exactly how to make the most of it.
Are you a time-strapped senior, or a home-bound mother looking for a fun income source to pay for groceries or your family's vacation?
The Fast Cash system is just what you have been looking for. It is a proven system that consistently earns excellent money for anybody, in any location. The author has developed the system over through twelve years of research and application. Fast Cash complements the system described in the successful Almost Free Money series, and expands it into many new and exciting niches for readers to explore. Fast Cash can be tailored to the reader's situation, providing a little cash for busy people, or a new home business for entrepreneurs.
In Fast Cash, readers learn proven techniques for locating high-yielding used items at venues that can be found anywhere in the world, including garage sales, yard sales, thrift stores, and flea markets.
This book is designed to help you sell your handmade jewellery face to face to your customer.
Ther are many guides to small business, but his book concentrates on the process of actually selling your jewellery at craft fairs,wedding fairs, country fairs and markets and through party plan.
It is about marketing and how you can use marketing skills to sell directly to your customer.
How to create your own style,how to set your prices, how to present your business, how to set out your stand, how to package your work, how to promote your business and how to encourage people to buy your handmade designs.