Black Friday Shopping, A Good Time To Save Money

I know a lot of people start their Christmas shopping on Black Friday. To be sure, there are some fantastic deals out there and it is easy to get carried away with all the store banners screaming "specials" and "bargains."

In order to save money, you should get to the stores early on Black Friday. Stores usually have their best sales in the early morning on Black Friday, so try to be out shopping before sunrise.

Make a list and stick to it, much like your grocery shopping. It's ok to deviate a little but not too much so that you are swiping your credit cards with abandon. If you don't have the discipline, just bring only cash to avoid credit card debts.

Doing your homework before hand helps too. Many stores entice you by advertising try to get you to enter by advertising a large sale when, in reality, the price is the same as weeks ago.

I have saved hundreds of dollars shopping on Black Friday compared to shopping near Christmas time but do watch out for your safety.

The savings may not be able to cover your injuries if you get trampled by the crowd while fighting for goodies. Here are some of the worst tramples on Black Friday.

Save Money Daily By Thinking On Micro Level

Jen from Frugal, Freebies and Deals talks about her saving money experience and gives tips on how you can do it too.

Her family is still in debt but using Dave Ramsey Debt Reduction program, she is slowly chipping away and may take about 4 years to pay off everything. This revelation makes her debt reduction journey more credible.

The takeaway lesson from Jen is to break up seemingly insurmountable debts into small, manageable pieces that you can easily handle daily.

Check out her full article on micro level money saving.

The Debt Diet - Part 2

This summer debt diet that transformed thousands of families is BACK AGAIN! Top experts reveal a step-by-step action plan!

Here is part 2 of the debt diet...

Washington Bankrupting America?

A recent poll reveals that 74% of voters are extremely concerned about the current level of government spending and 58% feels it is unsustainable.

Is Washington bankrupting America? The public is clearly concerned.. and we are talking only about past spending…

The US government owes $106 trillion in future spending commitments, don't ask me where or how they are gonna get the funding..



The interest payment on debts are going to reach dizzying heights and raise the possibility of America defaulting on its debts.

Politicians and Americans will have to make tough choices about debt reduction. Increasing taxes to pay for government irresponsibility is not a solution.

Real spending reform is needed. Household spending has risen 40% in the last decade and the trend will continue in the next 10 years. Returning to the 1990s spending level would help to balance the budget and reduce debts.

[Bankrupting America]

How to Save Money With Price Matching?

Plenty of stores promise to match competitors prices, but watch the fine print. You can win with price matching, but only if you do it right.

There are some rules which you have to abide, else the cheaper prices don't count for anything.

Kim Komando's Tips To Save Money on Printer Ink

You know why printer manufacturers slash the price of their printers? Well, they make their money from selling printer ink. Just buying 4-5 catridges is about as expensive as the printer itself.

If you have a home office and require extensive printing, you definitely need some tips to save money on printer ink.

In this video, Kim Komando shows you how. As always, she has some good suggestions up her sleeves.

Saving Money Tip - Prep With A Purpose

A saving money tip by Metalsmith & Artist, DeAnna Cochran of www.deannacochranjewelry.com

Suze Orman's Advice: Pay With Cash

Suze Orman, a highly respected money guru, has recently called on Americans to start paying for purchases with cash.

She was heard saying on CNBC, "Let’s go back to the times when you literally paid cash for everything. That’s right. Cash. Stop using your credit cards altogether."



I am definitely in favor of Suze Orman's "Back to Cash" movement. It is high time we, as a nation, wean themselves off debt and live within our means.

In any case, credit card companies aren't looking out for its customers. They are adopting more aggressive tactics to boost their profits, with stricter credit-card legislation looming.

When it comes to raising interest rates, our credit scores and history of timely payments count for little. If you have low balances or periods of inactivity, your account could also be closed.

Since credit card companies are treating us like dirt, we might as well say goodbye to credit cards once and for all. Heck, just pay with cash. No more identity theft or hidden/unexpected fees to worry about.

The initial adjustment may be painful but once you start planning a household budget, your expenses will be easier to control.

Bunning Grills Ben Bernanke To A Crisp

I have a feeling this grilling is only a sideshow. The money printing is going to continue until it cannot, ie. the US dollar becomes worthless.

The US dollar still retains a modicum of dignity because most fiat currencies are on the slide too, but when compared to gold, the US dollar is shedding its value fast.

I believe most Americans realize the country is on a self-defeating and unsustainable path. There will come a time when funny money created by the Federal Reserve no longer boost the economy and creditors start asking for debt repayments.

Fiscal fraud has helped the rich get richer, at the expense of taxpayers. If the Federal Reserve collapses tomorrow, it is going to make Bernard Madoff looks like a choirboy.

Save Money On Your Beauty Routines

This video teaches you to save money on your beauty routines.

I am not familiar with this topic but I figure some of the tips may be helpful to my female readers.

Mayor Issues No Chase Policy To Save On Insurance

The mayor of 14 years said she issued the order after a city officer suffered a foot injury while chasing a "guy who had some crack on him" and had to be out of work for several days on workers' compensation pay.

Noting the suspect wasn't stealing or breaking into a home at the time, she said she didn't consider the drug possession a crime, and said the town of 2,100 couldn't afford the increased insurance costs. Though the ban applied only to foot chases, she said officers also totaled two town-issued cars in a month.

Well, what can I say when such an order is issued? The police's job is to go after criminals and bring them to justice.

Just because of a foot injury and insurance claims, the entire police force is being hampered in their work by this bizarre order.

5 Easy Ways to Save Money in a Recession

Here is some good advice from Shelley Roche for people looking to save money in a recession.

1. Bartering.
2. Growing your own food.
3. Bakery outlet stores.
4. Cable TV savings.
5. Cowpooler savings.

A Beautiful and Creative Way To Recycle Bottles

This is a beautiful and creative way to recycle used bottles and make great gifts or party centerpiece out of them.

All you need is an old bottle, beautiful paper and ribbon! No more expensive gifts, thus, you save money and the environment at the same time.

Check out the video.

Save Money By Cleaning Our Air-Conditioners

Oh my, this summer is sweltering hot and I won't be surprised if people are turning on their air-conditioners full blast. Unfortunately, there is a price to pay in seeking a reprieve from the unforgiving heat.

If you are not careful, the monthly electrical bills can jump up by at least 15-30% during summer. To save on energy costs, it is important that we inspect and clean the central air conditioning system regularly.

The basic concept behind air conditioners is to push warm air past chilled coils. If those coils are dirty or clogged with dust/debris, it means greater energy is needed to get the air through and your system has to run longer to reach your thermostat settings.

This reduction in air flow also inhibits dehumidification, which decreases your comfort level.

A clean central air system will improve air flow and heat transfer, making your air conditioning more efficient. We can then save money on energy bills while extending the lifespan of the air conditioning system.

I try to visually inspect and maintain my air-conditioning system at least once a year and I recommend that you do it yourself to save money. However, if you are really busy (or lazy) to clear dust and debris from your ducts, then engage a professional.

Here is a video to help you out.

How to Clean Your Air Conditioner -- powered by ExpertVillage.com

Extreme Frugality: Meet the Carters

You've read W. Hodding Carters Extreme Frugality series; now get to know the author and his family in this video.

Find out what they like and dislike about their new frugal lifestyle, and learn the authors grand ambitions for the family's garden.

Debate About Debt Versus Savings

Today's Money 911 features authors David Bach (Fight for your money), Jean Chatzky (The Difference) to answer viewers' questions ranging from the great debate about debt versus savings and negotiating your college’s financial aid package.

In addition, find out how your credit score is affected by thankless credit card companies that go around lowering your spending limits, raising interest rates, and closing accounts.

Watch it below:

Visit msnbc.com for Breaking News, World News, and News about the Economy

Saving Money in Plain English

A short guide to how compound interest can help money grow over time. This video comes in an unbranded "presentation quality" version that can be licensed for use in the workplace.

Why Hitler Is Vexed About Foreclosures?

Find out why Hitler is so vexed about foreclosures. Enjoy this comedic video.

Barack Obama: Give Him Your Money