Comments for Spending Less 101 http://www.spendingless101.com Information on saving money, spending less money, and getting more for your money... Fri, 02 Oct 2009 19:26:45 -0700 http://wordpress.org/?v=2.8.4 hourly 1 Comment on 10 Free Things I Just Found ONLINE!!! by Sean Howells http://www.spendingless101.com/2008/04/05/10-free-things-i-just-found-online/comment-page-1/#comment-1362 Sean Howells Fri, 02 Oct 2009 19:26:45 +0000 http://www.spendingless101.com/?p=44#comment-1362 Offer No. 4 is no longer valid. Sorry! Offer No. 4 is no longer valid. Sorry!

]]> Comment on Free gift cards are at your fingertips… by Troy http://www.spendingless101.com/2008/05/16/free-gift-cards-are-at-your-fingertips/comment-page-1/#comment-1360 Troy Sat, 29 Aug 2009 06:29:30 +0000 http://www.spendingless101.com/?p=96#comment-1360 Sorry if this is a double post but my last comment didn't appear to post. The nay-sayers are everywhere stating that these are nothing but scams. I think most people just give up before they finish the program requirements. I've created a site devoted to free gift cards and it includes ratings of the gift cards. Would you mind checking it out? Just click on my name, it'll take you to the site. Thanks again Sorry if this is a double post but my last comment didn’t appear to post.

The nay-sayers are everywhere stating that these are nothing but scams. I think most people just give up before they finish the program requirements.

I’ve created a site devoted to free gift cards and it includes ratings of the gift cards. Would you mind checking it out? Just click on my name, it’ll take you to the site.

Thanks again

]]> Comment on $10,000 Tax Refund. WooHoo!!!!! by Frank http://www.spendingless101.com/2008/04/04/10000-tax-refund-woohoo/comment-page-1/#comment-1359 Frank Sat, 15 Aug 2009 10:09:58 +0000 http://www.spendingless101.com/?p=41#comment-1359 Always be careful to underpay your taxes! I had a tax debt with the IRS from a previous year I was in the process of correcting, when my wife and I filed jointly for the first time. She had always overpaid for what she thought was a good reason - for safety sake so she would not come up short at end of year. Her overpayment was immediately applied to my previous year debt since my SSN tied back to it. Had we just underpaid, we could have sent them a check for the difference and been done with it. Now we have to go through the process of fixing the previous debt, as well as hoping they accept the changes without an audit, before we can get our money back. Always be careful to underpay your taxes!

I had a tax debt with the IRS from a previous year I was in the process of correcting, when my wife and I filed jointly for the first time.

She had always overpaid for what she thought was a good reason – for safety sake so she would not come up short at end of year.

Her overpayment was immediately applied to my previous year debt since my SSN tied back to it.

Had we just underpaid, we could have sent them a check for the difference and been done with it. Now we have to go through the process of fixing the previous debt, as well as hoping they accept the changes without an audit, before we can get our money back.

]]> Comment on There really are ways to save on prescriptions by cjm http://www.spendingless101.com/2008/09/04/there-really-are-ways-to-save-on-prescriptions/comment-page-1/#comment-1341 cjm Wed, 10 Jun 2009 20:00:55 +0000 http://www.spendingless101.com/?p=207#comment-1341 Note that most pharmacies such as Rite Aid don't let you use those gift cards towards prescriptions. I think that is ridiculous. Note that most pharmacies such as Rite Aid don’t let you use those gift cards towards prescriptions. I think that is ridiculous.

]]> Comment on Vent Your Attic To Save Money On Cooling by Vent Your Attic To Save Money On Cooling Spending Less 101 | Shed Kits http://www.spendingless101.com/2008/09/05/vent-your-attic-to-save-money-on-cooling/comment-page-1/#comment-1337 Vent Your Attic To Save Money On Cooling Spending Less 101 | Shed Kits Wed, 27 May 2009 03:59:50 +0000 http://www.spendingless101.com/?p=203#comment-1337 [...] Vent Your Attic To Save Money On Cooling Spending Less 101 Posted by root 22 hours ago (http://www.spendingless101.com) There are several types of roof vents a passive vent operates by allowing air to move freely from the inside to the outside passive vents include ridge Discuss  |  Bury |  News | vent your attic to save money on cooling spending less 101 [...] [...] Vent Your Attic To Save Money On Cooling Spending Less 101 Posted by root 22 hours ago (http://www.spendingless101.com) There are several types of roof vents a passive vent operates by allowing air to move freely from the inside to the outside passive vents include ridge Discuss  |  Bury |  News | vent your attic to save money on cooling spending less 101 [...]

]]> Comment on Resolving A Forclosure by lucas law http://www.spendingless101.com/2009/02/20/resolving-a-foreclosure/comment-page-1/#comment-1336 lucas law Tue, 26 May 2009 02:34:08 +0000 http://www.spendingless101.com/?p=1710#comment-1336 Thanks for the tips in Resolving A Forclosure. Thanks for the tips in Resolving A Forclosure.

]]> Comment on Saving Money on Clothes by Cathy Simpson http://www.spendingless101.com/2008/12/12/saving-money-on-clothes/comment-page-1/#comment-1275 Cathy Simpson Tue, 17 Mar 2009 15:00:11 +0000 http://www.spendingless101.com/?p=1127#comment-1275 I enjoy reading your blog. I've been noticing that there are a lot of people swapping clothes and other items these days. I even saw a site where people exchange name brand items at: http://www.1stminenowyours.com/. I have to admit, I'm one of those people who used to be embarrassed about shopping for bargains. In today’s fickle economy, I have no other choice. I enjoy reading your blog. I’ve been noticing that there are a lot of people swapping clothes and other items these days. I even saw a site where people exchange name brand items at: http://www.1stminenowyours.com/. I have to admit, I’m one of those people who used to be embarrassed about shopping for bargains. In today’s fickle economy, I have no other choice.

]]> Comment on Zap The Electric Company by Looking to save some money as winter sets in??? | Spending Less 101 http://www.spendingless101.com/2008/04/07/zap-the-electric-company/comment-page-1/#comment-1171 Looking to save some money as winter sets in??? | Spending Less 101 Thu, 05 Mar 2009 03:43:50 +0000 http://www.spendingless101.com/?p=47#comment-1171 [...] Convert to CFLs - In the winter months, you might think it would be OK to have your light bulbs heating up the air in your house, however, the amount of energy being lost by way of heat does not equate to what would be saved from the change over to CFLs. [...] [...] Convert to CFLs – In the winter months, you might think it would be OK to have your light bulbs heating up the air in your house, however, the amount of energy being lost by way of heat does not equate to what would be saved from the change over to CFLs. [...]

]]> Comment on Save money by switching to compact fluorescent light bulbs by Max http://www.spendingless101.com/2008/03/29/save-money-by-switching-to-compact-fluorescent-light-bulbs/comment-page-1/#comment-1122 Max Tue, 24 Feb 2009 10:31:45 +0000 http://www.spendingless101.com/?p=11#comment-1122 i think you should have how much money saved in a year by using a florescent bulb i think you should have how much money saved in a year by using a florescent bulb

]]> Comment on Insulate Your Hot Water Pipes by Looking to save some money as winter sets in??? | Spending Less 101 http://www.spendingless101.com/2008/08/30/insulate-your-hot-water-pipes/comment-page-1/#comment-1121 Looking to save some money as winter sets in??? | Spending Less 101 Tue, 24 Feb 2009 07:27:50 +0000 http://www.spendingless101.com/?p=202#comment-1121 [...] Insulate Hot Water Pipes - Insulating your hot water pipes can save a lot of money during the cold weather months. [...] Insulate Hot Water Pipes – Insulating your hot water pipes can save a lot of money during the cold weather months.

]]> Comment on Resolving A Forclosure by James Parsa http://www.spendingless101.com/2009/02/20/resolving-a-foreclosure/comment-page-1/#comment-1120 James Parsa Mon, 23 Feb 2009 16:31:40 +0000 http://www.spendingless101.com/?p=1710#comment-1120 Great post! As a practicing law attorney with over 17 years of experience, I can attest to the success of loan modifications! A few things to keep in mind for home owners that are facing a possible foreclosure on their home... Loan modifications are NOT for everyone, but it is definitely worth checking out. Anyone that tells you that Loan Mods are for everyone or guarantees their success can be a possible scam, once again, check out the facts. Ask questions and don't be intimidated by the process. The best thing in this journey is knowledge and it will protect you from scams and other shady individuals. Here are some more resources from my law firm for anyone interested. http://sanjose.backpage.com/LegalServices/11_things_the_parsa_law_group_wants_you_to_know_about_loan_modification/classifieds/ViewAd?oid=2099060 http://sacramento.craigslist.org/vnn/1027803368.html http://www.prlog.org/10175522-the-parsa-law-group-can-help-you-save-your-home.html http://parsa-law-group.typepad.com/ James M. Parsa Attorney at Law Parsa Law Group / National Loan Modification Center 1-800-585-1179 http://www.NationalLoanModificationCenter.com Better Business Bureau Rating: http://www.labbb.org/BusinessReport.aspx?CompanyID=100076772 Great post!

As a practicing law attorney with over 17 years of experience, I can attest to the success of loan modifications!

A few things to keep in mind for home owners that are facing a possible foreclosure on their home…

Loan modifications are NOT for everyone, but it is definitely worth checking out.

Anyone that tells you that Loan Mods are for everyone or guarantees their success can be a possible scam, once again, check out the facts.

Ask questions and don’t be intimidated by the process. The best thing in this journey is knowledge and it will protect you from scams and other shady individuals.

Here are some more resources from my law firm for anyone interested.

http://sanjose.backpage.com/LegalServices/11_things_the_parsa_law_group_wants_you_to_know_about_loan_modification/classifieds/ViewAd?oid=2099060

http://sacramento.craigslist.org/vnn/1027803368.html

http://www.prlog.org/10175522-the-parsa-law-group-can-help-you-save-your-home.html

http://parsa-law-group.typepad.com/

James M. Parsa
Attorney at Law
Parsa Law Group / National Loan Modification Center
1-800-585-1179
http://www.NationalLoanModificationCenter.com
Better Business Bureau Rating:
http://www.labbb.org/BusinessReport.aspx?CompanyID=100076772

]]> Comment on Resolving A Forclosure by Resolving A forclosure in Florida | Spending Less 101 | bestbocarealtor http://www.spendingless101.com/2009/02/20/resolving-a-foreclosure/comment-page-1/#comment-1118 Resolving A forclosure in Florida | Spending Less 101 | bestbocarealtor Fri, 20 Feb 2009 23:46:46 +0000 http://www.spendingless101.com/?p=1710#comment-1118 [...] View post: [...] View post:

]]> Comment on 31 Days To Fix Your Finances by Digest for 06/16/08 | Spending Less 101 http://www.spendingless101.com/2008/06/04/31-days-to-fix-your-finances/comment-page-1/#comment-1117 Digest for 06/16/08 | Spending Less 101 Thu, 19 Feb 2009 07:26:42 +0000 http://www.spendingless101.com/?p=223#comment-1117 [...] 31 Days To Fix Your Finances [...] [...] 31 Days To Fix Your Finances [...]

]]> Comment on Free Food by AL http://www.spendingless101.com/2009/02/01/free-food/comment-page-1/#comment-1112 AL Mon, 02 Feb 2009 05:35:31 +0000 http://www.spendingless101.com/?p=1588#comment-1112 Thank you, I think I will get one. Thank you, I think I will get one.

]]> Comment on Learn How To Save A Dollar A Day by Frank http://www.spendingless101.com/2008/06/17/learn-how-to-save-a-dollar-a-day/comment-page-1/#comment-1111 Frank Thu, 29 Jan 2009 05:49:10 +0000 http://www.spendingless101.com/?p=252#comment-1111 As far as I am aware the vast majority of people all over the world already shuts down their computers when they are not in use. Most larger companies even have it as a firm rule for the sake of pushed updates. The only people that actually leave the computer on at night are the kind of people like me, who reads this and goes "Wow, only a dollar? Awesome, I can stop turning my computer off!" As far as I am aware the vast majority of people all over the world already shuts down their computers when they are not in use. Most larger companies even have it as a firm rule for the sake of pushed updates.

The only people that actually leave the computer on at night are the kind of people like me, who reads this and goes “Wow, only a dollar? Awesome, I can stop turning my computer off!”

]]> Comment on How To Enjoy The Good Life While Living On A Budget by How To Enjoy The Good Life While Living On A Budget | No Brainer Profits http://www.spendingless101.com/2009/01/21/how-to-enjoy-the-good-life-while-living-on-a-budget/comment-page-1/#comment-1084 How To Enjoy The Good Life While Living On A Budget | No Brainer Profits Thu, 22 Jan 2009 10:55:33 +0000 http://www.spendingless101.com/?p=1577#comment-1084 [...] Do you always feel the shortage of money before the next pay packet? Do you want to upgrade you television set since last couple of years but are always short of cash? If you aim for a better standard of living and are targeting for a long term financial security then a proper budget planning is a must. You should try living on basic budget and start investing the surplus for a better return. The most common problems faced across majority of working household in America is their inability to Continued here: How To Enjoy The Good Life While Living On A Budget [...] [...] Do you always feel the shortage of money before the next pay packet? Do you want to upgrade you television set since last couple of years but are always short of cash? If you aim for a better standard of living and are targeting for a long term financial security then a proper budget planning is a must. You should try living on basic budget and start investing the surplus for a better return. The most common problems faced across majority of working household in America is their inability to Continued here: How To Enjoy The Good Life While Living On A Budget [...]

]]> Comment on Save Money!!! Go Bald!!! by John http://www.spendingless101.com/2008/04/15/save-money-go-bald/comment-page-1/#comment-1070 John Sat, 17 Jan 2009 17:09:19 +0000 http://www.spendingless101.com/?p=51#comment-1070 I guess we should check into some FREE HATS.... I guess we should check into some FREE HATS….

]]> Comment on Save Money!!! Go Bald!!! by Bouhlel http://www.spendingless101.com/2008/04/15/save-money-go-bald/comment-page-1/#comment-1067 Bouhlel Sat, 17 Jan 2009 02:30:19 +0000 http://www.spendingless101.com/?p=51#comment-1067 that's a good specially with hairless head, hair transplantation is even more expensive then a simple hair cut!! But what we gonna do when we have an awful head shape :) that's my case!! that’s a good specially with hairless head, hair transplantation is even more expensive then a simple hair cut!!

But what we gonna do when we have an awful head shape :)

that’s my case!!

]]> Comment on $10,000 Tax Refund. WooHoo!!!!! by John Simpson http://www.spendingless101.com/2008/04/04/10000-tax-refund-woohoo/comment-page-1/#comment-1066 John Simpson Fri, 16 Jan 2009 17:15:28 +0000 http://www.spendingless101.com/?p=41#comment-1066 This won't be happening this year. I'll be lucky to get $500 back. So much for real estate investment. <abbr><em><abbr><em>John Simpsons last blog post..<a href="http://feeds.feedburner.com/~r/SpendingLess101/~3/513553332/" rel="nofollow">Rediscover Your Local Library</a></em></abbr></abbr></em> This won’t be happening this year. I’ll be lucky to get $500 back. So much for real estate investment.

John Simpsons last blog post..Rediscover Your Local Library

]]> Comment on Is your cell phone bill too high? by John http://www.spendingless101.com/2009/01/02/is-your-cell-phone-bill-too-high/comment-page-1/#comment-1040 John Fri, 02 Jan 2009 18:49:25 +0000 http://www.spendingless101.com/?p=1510#comment-1040 By the way, I think the problem with my cell bill is not the provider as much as it is the plan. I need to have at least 500 anytime minutes per month and 100 text messages. By the way, I think the problem with my cell bill is not the provider as much as it is the plan. I need to have at least 500 anytime minutes per month and 100 text messages.

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