Here is another number that can be helpful to use from your home phone, or a cell phone if out. 1-800-555-TELL (800-555-8355) is also free, and offers many services such as sports, movies, stock quotes, weather, traffic, and more. It is all automated, and can use voice commands instead of typing things in, which makes it very handy when trying to get traffic information while on the road! I tried it again just before typing this, and was able to find out what the traffic was like on a highway right near me.
Archive for January, 2007
Never pay for 411 calls on your cell phone again. If you are out and need to call information, instead of dialing 411 (which will cost you extra) dial 1-800-FREE-411 (800-373-3411). This will not cost anything besides using any minutes that making any call would use. For those who think it’s too good to be true, here is a web page showing that it is not an urban legend, and is true (and costs nothing).
When purchasing something in a store, always watch to make sure that the register is ringing up the correct price. Many times even when there is a sale, a product may not be coded correctly, and you will not get the right price. Even if there is a certain percentage off of the product make sure that you are getting the correct price. The people entering the sales into the computer are only human and can make mistakes. So always double check to make sure you are getting the price that you should be getting. It only takes a few seconds, but can save you hundreds of dollars a year! This goes for any store, whether it is for groceries, clothing, electronics, etc…
Your credit report is very important if you plan on taking out any kind of a loan for a car, house or other big ticket item. As of September 1, 2005, everyone in the U.S. is entitled to free credit reports from each of the three credit unions. Make sure your report is accurate every year.
The three credit unions are:
You can go to each of the three sites individually or get all three at the same time through www.annualcreditreport.com, which is owned by the three sites.
You can also order your report by phone (877-322-8228) or by mail:
Fill out this form and mail it to
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Phone and Mail order will take up to 15 days to receive your report.
It is recommended that you check one service every 4 months for continual monitoring. Just note which service you use as you cannot check the same one for 12 months or you will have to pay $9 to access it.
Medical prescriptions can become very expensive, whether or not you have a prescription plan. Besides comparison-shopping, there are other ways to make your medications cheaper! You can try using a free discount card, like you can find on one of the two following websites:
Both of these websites will let you print out a free card, and then you bring it to your local drug store, and get a reduced price on your prescriptions. Each site has a pharmacy locator where you can plug in your zip code to find pharmacies that accept the card in your area. Some pharmacies include Rite Aid, Walgreens, Target, Winn-Dixie, Kroger, Safeway and a lot more.
Both sites also let you look up your medications so you can see how much of a discount this would be for you, if at all. Since medication prices vary, these sites may help you on some medications but not on others. While playing around with it, we even found some that would cost less using the card instead of going through insurance and using a prescription plan! So it never hurts to check.
One way to save is to make sure that you know where all of your money is. Many times we lose track of some money we are owed and completely forget about it. A lost bank account, a forgotten deposit on an apartment or an unclaimed tax refund may be out there somewhere. The good news is that many times it is as easy as typing your name in to see if you are owed any money.
If you go to the website unclaimed.org, you can choose your state, and then search your states treasury to see if you are owed any money. Maybe you moved and someone was unable to get in touch with you. You never know! If you do find your name, you just fill out a form, and they will let you know how to get the money (and how much it is). Since you will be dealing directly with your states treasury department, you don’t have to worry about being scammed, and you will have to pay absolutely nothing in order to claim your money.
Time is money and we’d all like to have more time to do what we really want.
Today’s way to save will help you save time with free resources on the web. Here we list some web based tools and some free downloadable tools so you can get organized today.
The advantage to online tools and services is that you can access them anywhere. Here are some good ones:
Free Web Based Tools:
Online To-Do list:
Ta-da List offers easy to manage lists for things you need to get done, checklists others need to access, or even to create your own personal favorites lists.
Planning a get together or party? Two sites that make this task easy are Skobee and Evite. Just type in your invitation for each event and the email addresses of your friends. Your friends then click on a link to the website and can easy enter their response. Your address book is saved for easy access to send invitations later.
Google Calendar makes it easy to keep your personal calendar online. You can set it up to share it with the world or make it private and only accessible to yourself or trusted friends you enter in.
Free Downloadable tools:
Budget and Expense tracking:
Pear Budget is a downloadable spreadsheet to help you organize your spending.
Personal finance manager:
AceMoney is a complete personal finance program with slightly less features than commercial software like Quicken and Microsoft Money. The price is right on this one though and is highly rated on CNet.
Many of us keep cash in a savings account at our bank, or even worse, a checking account. Why not consider taking money you won’t be using in the near future, and open up an account at an online bank where you can get higher interest rates. To find the best interest rates, try using Bankrate.com. One online bank that we use has their savings interest at 4.50%, and that’s at ING Direct. These accounts are very easy to transfer money in and out of, and you will be making a lot more interest than in your personal savings account at your bank.
Today we would like to share a few ways you can add to your education with free online courses.
Carnegie Mellon University recently started an online learning initiative, and offers classes to anyone, for free. You don’t even need to sign up to take them. Currently, some of the classes offered include Biology, Calculus, Casual Reasoning, Chemistry, Economics, Empirical Research Methods, French, Logic & Proofs, Physics, Statistics, and Statics.
MIT also has what they call OpenCourseWare, and have many lecture notes, assignments and exams online for many different subjects such as Aeronautics and Astronautics, Biology, Chemical Engineering, Chemistry, Economics, Health Sciences and Technology, History, Literature, Mathematics, Physics, Management, Writing and Humanistic Studies, and many more.
CNET offers a wide range of electronics and computer courses. You can learn how to set up a home network, hooking your Ipod into your car stereo, or fix digital photos.
There are many other free courses online and there are plenty in the ones we’ve listed to keep you busy for a while. Good luck and hope you pass with flying colors.
We thought we’d share a few ways to make your gas last longer.
Many people have heard that having your tires properly inflated will help you use less gas, and this is true, but it does not make a huge difference. Neither is keeping your window down and air conditioner off when driving on the highway, so you might as well use the a/c and be comfortable. Here are some things that do make a big difference though:
· Many of us have heard that lower speeds save gas. That’s one of the reasons that many speeding limits are set to 55 or 65 miles per hour. At this speed, you will use a lot less gas then if you go 70 or higher! So while you might want to speed to get to where you’re going faster, you can save a lot of gas, and the chance of a speeding ticket by driving a lot slower. Testing done on Edmunds.com has said that you can save up to 14% savings by driving closer to the speed limit!
· Drive less aggressively. By taking an extra few seconds to get to that fast speed, you can save a lot of gas! So don’t try to go as fast as possible as soon as possible. Those few seconds won’t mean much in getting to your destination sooner, but it will make your gas tank last a lot longer! According to tests done by Edmunds.com, you can save up to 37% savings.
· Use cruise control if you have it and are on a mostly flat surface (not an area with a lot of mountains.) Since this keeps your speed constant, you won’t be hitting the accelerator frequently, and even though it doesn’t seem like it, it ends up saving you a lot of gas. According to Edmunds.com, this can give you up to 14% savings.
· Try not to idle the car for more then a minute. If you need to leave the car idling for more then a minute, you are better off turning the car off.
· Plan your errands or activities ahead of time, so you can do them in fewer trips. If you know you’re going to be in a certain area that you don’t always go, try to run as many errands there as possible so that you don’t need to drive back there the next day.