PERSONAL FINANCE MANAGEMENT OF INCOME AND DEBT
Balance a checkbook, find mistakes, avoid bank late fees, penalties on credit record and avoiding unplanned expenses.
Frugal Living Tips
-- SAVVY-DISCOUNTS.com Archive --
January 1, 2004 Issue


List of index of all topics with links Financial calculators - printer friendly Cut budget 5000 dollars a year Only $8 / month for all long distance? coupons, free samples, catalogs, close-outs Rebel Consumer Blog


Cheaper: Insiders' Tips for Saving on Everything by Rick Doble and Tom Philbin OUR NEW BOOK! Just published
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Save Money * Save Time * Take Control * Help the Environment

Rick Doble, Editor, SAVVY-DISCOUNTS.com

#1 web site for money-saving ideas
10th year of publication
Quoted in the national media
Tell your friends -- It's Free
Published 1st & 3rd Thursday Of Each Month
Vol. 10, January 1, 2004

Here is the latest issue. Enjoy.
Editor, Rick Doble

TABLE OF CONTENTS

  1. 10TH YEAR OF PUBLISHING
    SAVVY-DISCOUNTS.com
  2. HOW TO MANAGE YOUR BILLS
    Including checkbooks and credit cards
  3. BASIC PERSONAL FINANCE TIPS
  4. UNPLANNED EXPENSES
    Main reason people go into debt
  5. CREDIT CARD AND BANKING TIPS PLUS
    Books and resources for personal finance
  6. LIST OF REGULAR ANNUAL SALES,
    DISCOUNTS AND SAVINGS

    Now online, click here to view
  7. About SAVVY-DISCOUNTS.com
    See a full description at this link
  8. Advertise with us - click here
  9. Classified Ads - as low as $9.97 -
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#1. 10TH YEAR OF PUBLISHING

We are now in our tenth year of publishing SAVVY-DISCOUNTS.com which began on paper before the Internet had developed and is now exclusively on the web and sent via e-mail.

It has been a wild ride. When we began the economy was doing so well no one wanted to save money; they were too busy earning it! Now with hundreds of thousands of people out of work and a struggling economy, SAVVY-DISCOUNTS.com is doing better than ever.

We have been quoted or featured in national magazines, radio, television and have produced two books. Check out the full list at:
==Examples Of Articles
==List Of Media That Have Featured SAVVY-DISCOUNTS.com .




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#2. HOW TO MANAGE YOUR BILLS, CHECKBOOK AND CREDIT CARDS

We've added 35 online pages to help you mange financial aspects of your personal life and avoid Christmas credit card hangover.

These Include: Personal finance tips for simple management of your money, income and debt. How to balance a checkbook and easily find mistakes. When to pay bills and avoid late fees, penalties and bad marks on your credit record. How to keep unplanned expenses from making you go into debt.
PERSONAL FINANCE AND UNPLANNED EXPENSES
==TABLE OF CONTENTS




www.americanlifedirect.com


#3. BASIC PERSONAL FINANCE TIPS

==Overview
==How to keep track of your bills, checks, money
==Balancing your check book
==Right way to handle your money?
==Found money - money you did not know about
==Understanding cash flow
==Paperless calculator



#4. UNPLANNED EXPENSES
The main reason people go into debt.


==Unplanned expenses
==Unplanned expenses check list
==Insurance
==Don't wait on these expenses
==How to get a handle
==Avoid debt - tips and tricks
==Watch out for accessories and extras
==Watch out for construction
==Planning and fudge factors
==Impulse buying



#5. CREDIT CARD AND BANKING TIPS
Plus books and resources for personal finance

==Credit card tips
==Banking tips
==Direct deposit banking saves time and money.
==Books and resources for personal finance


SAVVY-DISCOUNTS.com
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* Help the Environment *

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