Save Money with Your Smart Phone: Ibotta

Check out this cool video tutorial on how to use this app to earn and save more money. Then, let us know what you think in the comments!

Stop leaving money on the table!

These three tips will help you save (and earn) some cash.

Join the 52 Week Savings Challenge!

The savings challenge is on! Are you game?

Is Project Payday a Scam?

When I was invited to join Project Payday, I admit, I was skeptical. After all, I have seen all the ads, read all of the hype and got sucked in to an MLM or two in my days --and I am not a fan of MLM's by the way. Yet, I figured that since this website was free to sign up for, I would give it the good old "college try".

Cash Crate: An In Depth Review

I’m not just going to write a blog telling you how much I love Cash Crate or how much money I earn using it –anyone can do that. I’m going to give you a realistic idea of what you can make, every day, in about an hour of your time, and I’m going to do it step-by-step.

Mom Doesn't Mean "Made of Money", It's My Name

If you are like me, your sprogs probably look at you and envision a walking, talking (albeit annoying) ATM. For the first 15-years of their lives, I truly believe my children thought "Mom" was nothing more than an acronym that meant, "made of money." However, using a few very basic budgeting techniques -- much to my children's chagrin -- they learned I didn't live and breathe to spit out cash on demand and that "Mom" was actually just my name.


Reality Check
I am a dreadfully direct creature. I get straight to the point in all conversation, don't mince words and pull no punches. I don't believe in dancing around money issues with my clients, so why would I dance a jig for my kids? When they turned 16, I wrote my twins a reality check, direct deposit style.

READ THE REST ON YAHOO!

You Should Pay, Because You Can Afford It

Commentary | I remember it as if it were yesterday. I was at a restaurant with a friend of mine. I had been fortunate enough to secure a promotion at work, and we had gone out to dinner to celebrate. My jovial mood turned to frustration, however, when my friend (a little tipsy from too much Merlot) blurted out, "You should pay the bill. After all, you can afford it."

Who was she to say what I could or could not afford? How many times did I pay her bill when I couldn't "afford it"?

Yet, isn't that what Occupy Wall Street is genuinely about; asking someone else to pick up the tab? Enraged, underemployed 20 and 30-somethings walk the streets, screaming at the top of their lungs about income inequality, without ever asking who the real "villains" are. Of course, it is rare for a villain to look in the mirror and identify their nemesis.

That's why I believe in a simple life philosophy: To find a real villain, you do it by breaking down the numbers; because people lie, numbers do not.


Read the rest on Yahoo! 

New Year, New Direction, New Hope



In case you hadn’t noticed, I was gone for a tick. I took a temporary respite from blogging. No, I was not in poor health (thank you for asking) and no, I was not being apathetic. In fact, it’s quite the opposite. I was knee-deep in action, getting some new projects underway and launching some new business ideas. Originally, my plan was to combine these exciting new ventures to the blog. All of a sudden, right smack dab in the meridian of one project, I had an epiphany; and it was a game changer.

Am I doing what I set off to do?
I set off thinking about the blog. I ruminated about the reasons I started it, I mulled over why it was important to me and I asked myself, “What exactly am I accomplishing here? Am I staying true to my initial purpose?”

I deliberated on those notions for a minute or two. I know what my purpose was when I inaugurated the blog –or, at least I think I do. I (at least) had some ambitions in mind and I had a general idea for the future. I even had some clever things written down on a piece of paper. Bountiful and moneymaking ideas that even (after a spilled cup of coffee) found their way onto one of my numerous spreadsheets. Then, as it usually does, life threw me a curve ball. Moreover, as it often is, that curve ball was a blessing in disguise.

Ever since I unbolted the virtual Penny Pinchers doors last year and inaugurated it on the web, the blog (and my ideas for it) has metamorphosed and improved significantly. However, I like change. I believe that (most) change is for the better. I embrace it. I hope you will embrace it with me.

A new direction
For those of you who know me personally, you know that I am a ‘Glee’ fan. Okay, perhaps ‘Glee’ fanatic is a better descriptor, but that is unimportant. For those of you who do not know me personally…surprise!

Yet, I digress. While my catalyst for change and growth doesn’t stem solely from a pop-culture, small screen smash hit, I share a commonality with the New Directions: we are/were/could always be the underdog.

Who doesn’t love an underdog?
All through my hiatus and during my internet trekking, I spent hours reading the supervening reader comments for an eclectic fare of personal finance articles. Despite the fact that some of the assessments were superfluously negative, I can’t deny the fact that many people out there are hurting. They have been laid off, fired, had their hours cut back; they feel like they have lost their voices and they are looking for answers that generic financial advice simply cannot provide. I know, because I have been there. I have hit rock bottom and I have risen back up. I don't just talk the talk, I have walked the walk.

You may be hurting. You might not be. You might be a person who just stumbled on this blog, someone who needs to make some infinitesimal money changes, or someone who came here looking for inspiration or optimism. Whoever you are, whatever your circumstances, I promise to provide a maniacal focus on hope for the New Year. Although you will never catch me swearing that money buys happiness, money remains a necessary evil that many folks out there don’t have, but need in order to survive.

Consequently, for the first quarter of 2012, I want to talk to you (my readers) about potential. I want to help you reach yours; to help you make more money, to help you discover how to spend less money and to help you make monumental changes designed to help improve you financial future; direct from one underdog to another.

I have hope, and I have plenty of hope to spare and share with you in the New Year. Welcome (once again) to Penny Pinchers.

Be The Master of Your Own Destiny

I often like to browse the web and find people who do things better than I do...so I can emulate them. I sincerely believe that we have something to learn from many of our fellow human beings, and the Norwich Group is no exception.

No matter how you feel about the folks Occupying streets, avenues and boulevards around the globe, it's inspiring to see free-market capitalism is not dead, that merit does mean results. Avnish Goyal is a great example. He founded Hallmark Health Care and travels the world motivating others to achieve their dreams. 

His website says it best: 
"He (Avnish) is known as the man who makes a difference for others through his selfless contribution and he totally understands what it takes to be the master of your own destiny. Are you ready for it?
During his talk –“Being the Master of Your Own Destiny” Avnish will share his personal powerful story of how he went from Rags to Ritches and created the life he deserves. More importantly he will share how you can do the same! How can you allow yourself to create your own destiny? Find out at this month’s Yes Group."

Are you ready? Check them out. I highly recommend it. Happy surfing!