Budgeting Tips to Save Real Money

Written by Don Blackhurst


Continued from page 1

Another idea is to trim some small expenses. For example, if you get your haircut every 6 weeks, see if you can go 7 or 8 weeks instead. This will save yourepparttar cost of 1-2 cuts per year. Check out that book fromrepparttar 111703 library instead of buying it. Try renting a video instead of going out torepparttar 111704 movies. Purchase a ready-made meal atrepparttar 111705 grocery store instead of going out to eat. Be creative and see what little expenses you can trim that will add up to big savings over time. Other ideas include clipping coupons, taking your lunch to work, carpooling (or walking, biking, or takingrepparttar 111706 bus), stop smoking, and finally just don’t even open up that catalog. Toss them out immediately. If you peek inside you're bound to find something you like.

In order to make sure that you stay on track with your budget, it is important to know where you stand. To get an idea of how your spending compares to a typical budget and see where your money is going each month, take a minute to userepparttar 111707 free budgeting tools available at http://www.trimyourdebt.com/welcome_budget_short.aspx?=tips

Don Blackhurst has been working in the banking and finance industries for over 15 years and has an MBA with an emphasis in Finance. He is the co-founder of TrimYourDebt.com ( http://www.TrimYourDebt.com ).


Identity Theft And The Internet

Written by James H. Dimmitt


Continued from page 1

If an ID thief has opened accounts in your name, they are most likely to appear on your credit report. There are three major credit reporting agencies; Equifax, TransUnion, and Experian.

New legislation allows you to obtain your credit report annually from all three of these agencies for free. This new program is being phased in gradually acrossrepparttar U.S.. Check www.annualcreditreport.com to see when your state becomes active in this program.

3) Use credit monitoring services. A variety of paid services are available that will monitor your credit reports for activity and alert you to any changes. As with any product or service, make sure you understand what you're getting before you buy. You can enjoy a free 30-day trial of CreditCheck® monitoring service and get a free copy of your Experian credit report by visiting http://www.yourfreecreditreportnow.com. This monitoring service checks your credit report daily to notify you about fraudulent activity, new inquiries, new accounts, late payments, and more so you can spot possible signs of identity theft. Afterrepparttar 111702 free 30-day trial, you will be billed $9.95 monthly unless you cancelrepparttar 111703 service.

If you become a victim of ID theft, your opportunity for loans, jobs, or even housing could be affected. Taking immediate action after being victimized can minimizerepparttar 111704 damage.

Here are some other helpful identity theft related sites:

www.consumer.gov/idtheft/ (US government ID theft website) www.privacyrights.org/identity.htm (ID theft resources) www.identitytheft.org/ (ID theft prevention and survival)

© 2005, www.yourfreecreditreportnow.com Author: James H. Dimmitt James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his ebook “IDENTITY THEFT- How To Avoid Becoming the Next Victim!” and other free bonuses by visiting http://www.yourfreecreditreportnow.com


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