The Black Friday Madness Has Started

Posted by LuLuGal | November 23, 2011 .

So a friend of mine asked what I would be doing this Black Friday and I said NOTHING.

I will be staying safely in the confines of my home and will NOT be among the thrashing hordes at the mall and various stores trying to score some kind of deal.

I worked in retail in the past and I must say it was a nightmare. There are people camped outside the stores way before they open and sometimes even employees have a hard time getting through. I just found out there is a lady camped outside a Best Buy four days in advance to get some toy for her child.

How Credit Repair Software Works (Guest Post)

Posted by LuLuGal | November 21, 2011 .

Repairing credit can be an involved process for those who don’t know how the credit reporting bureaus work. You can automate many repair and dispute tasks with credit repair software. Enterprise-level credit repair programs work differently from software meant for regular consumers. The main point is to remove as many manual steps in the process as possible, so that as much of it as possible happens automatically, which saves you money.

Consumer Features

At its very basic level, consumer software will have a customer enter information from their credit report and then generate dispute letters for individual report items that the customer wishes to have taken off of their report by the credit rating bureaus.

Financially and Physically Fit – Save Money on Exercise (Guest Post)

Posted by LuLuGal | November 7, 2011 .

It takes time and money to stay healthy – gym memberships, exercise equipment, diet programs, and hours out of your week exercising and preparing healthy meals. But it also costs money to be unhealthy. According to the World Health Organization, physically active Americans saved around $500 per year in health care costs in 2003. So, if you’re going to be spending money on your health either way, why not exercise and save money?

4 Items that you are Spending Too Much Money On (Guest Post)

Posted by LuLuGal | October 26, 2011 .

For those of us who aspire to the frugal life, we often investigate every expenditure we make, and then think about how we can minimize this expenditure. This, in a nutshell, is what the frugal life is. For those who have only just begun trying to save money, you may have gotten so used to certain expenses that you don’t even realize how much money you are wasting. Here are a few common items that the vast majority of people spend way too much money on, and a few ways to completely cut out these items or approach these items in a different way such that you aren’t wasting too much money.

Tips to Save Money on Printer Ink (Guest Post)

Posted by LuLuGal | October 19, 2011 .

So you’ve recently purchased a new home printer and were pleasantly surprised at the relatively low cost? We hate to be the bearer of bad news, but the sting in the tail comes when it’s time to replace your ink and toner cartridges. Printer ink is in fact one of the most expensive liquids per millilitre in our current marketplace, with printer manufacturers offering incredible deals on technology in anticipation of recouping costs through over-priced cartridges. Here are a few tips to make your ink cartridges and toner go a little bit further and ideas for saving money instead of splashing out on printer essentials.

How to Live Like an Ascetic (And Still Be Happy) (Guest Post)

Posted by LuLuGal | October 5, 2011 .

As a college student, making ends meet is no small feat. I am a full time student, only work weekends and the occasional night shift, and live on my own, so my financial resources are pretty scarce most of the time. But I’ve learned how to survive on what little money I have and still have enough to hang out with my friends, primarily by figuring out several money-saving tricks that might not make that much of difference alone, but together add up to pretty significant savings. For the benefit of all college students (or anyone else, really) struggling with money, here are the tricks I’ve learned so far, organized by category:

Help In Deciding Who To Hire For The Move (Guest Post)

Posted by LuLuGal | October 3, 2011 .

Moving is a bit stressful. But it depends upon the way you perceive things. Proper planning and organizing skills will remove hassle from your move. The moment you get to know that you would have to move from your existing home, you start looking for an experienced removal company, which can shoulder the overall responsibility of moving your possessions without damage.

Now the question arises- What is the criteria to judge the credibility and expertise of a removal company? There is no gauge to measure the genuineness of a moving firm, but there is certainly a criteria you should take into account, before bestowing the responsibility of moving on a removal company. You can narrow your search by asking a few questions from moving companies to help avoid overspending on a move.

Figuring Out the Best Debt Relief Option (Guest Post)

Posted by LuLuGal | September 21, 2011 .

When you’re looking at al the debt relief options available, you can easily become overwhelmed trying to decide which is the best for you. There’s credit counseling, debt consolidation, debt settlement, and of course, you can pay your debt off on your own. You can call up a few companies and interview them about the solutions you offer, but that could take several hours a day. An alternative is to use a simply debt planner calculator, like the one from CNN Money, to figure out the best way to get out of debt.