How To Cut Your Household Budget
By $5000 A Year

50+ Page Online Book By Rick Doble - Complete and Free

Consumer guide to frugal living. Discount and money-saving household budget and personal finance strategies. Reduce living and home expenses with no extra work and no change in your lifestyle once you learn all of our simple easy tricks.
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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

Read These Other Sections In: How To Cut Your Household Budget
Introduction | Supermarket | Stockpile | Utilities | Car | Long Distance Phone | Credit Cards | Used Products

Clothing | Christmas | Refunds | Company Benefits | Travel | Insurance | Government Services | Time And Money


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For a host of reasons, gift certificates are not good. Instead give a check with a card which reads, "To my daughter: I would like you to buy that dress you've always wanted."

All you are doing with a gift certificate, is giving the store the use of your money and control over that money. Bad idea!

Why I don't like them:

==Gift certificates reduce flexibility. The money is now tied to that store and what it has to offer.

==The store has use of your money until the recipient redeems the gift (which could be months).

==The store could go bankrupt.

==Your daughter might not be able to find anything at the store for some reason. Nevertheless, the store can require that most (or all) of the money be spent at their store instead of giving a refund.

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"Pay Less Everyday"
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