11+ Uses for Vinegar You Need to Know About

household uses for vinegarWhen I buy vinegar, I buy it in bulk from Costco. Why on earth do I need that much vinegar, you ask?

Because vinegar, like baking soda uses, is one of those miracle products that I use for dozens of different things. I use it  to can vegetables, to clean my house, to remove stains – it’s a truly amazing, versatile, and eco-friendly product.

The wonderful thing about vinegar is that, because it can be used in so many different ways, you really will save money by using it. You don’t need 5 or 10 different household cleaners – you just need two.

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stickK Review – Would You Put Money on the Line to Achieve Your Goals?

Setting a goal to runHow many of you have set a goal, only to find yourself crashing and burning a few months, or weeks, into the effort?

Perhaps it was a goal to stick to your budget, train for a marathon, lose weight, quit smoking…

Yeah, I’m raising my hand too. I could write a lengthy list of all the goals I have set but haven’t met in years past. Not meeting a goal is not only dispiriting, but it often lowers your confidence about setting and meeting future goals. I know it sure has for me.

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Personal Finance Roundup: Will Your Christmas Dinner Menu Be Unforgettable?

Thanksgiving may be the holiday that revolves around dinner, but I get more interested in Christmas dinner myself. Maybe it’s because there isn’t an obligation towards the turkey and we can have more variety with Christmas, or because all the gift opening makes me really hungry.

Obviously, with the increased cravings come increased food costs (not to mention increased pants sizes…) and there is definitely an art to saving money during Christmas. One great way to save is to plan ahead, and on that note, check out this post called Organized Christmas – Plan Your Holiday Menu by Mrs. January detailing some basics of getting organized and saving at dinnertime.

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Woot! Deals Review – Find the Best Deal of the Day

woot logoI do a great deal of my shopping online, and I also have a side business which entails finding deals on online shopping sites and reselling. I’ve had a look at a multitude of daily deals and group buying sites out there, and frankly, I have not been impressed with very many of them. They all have a variety of drawbacks, whether it be the products they offer, their prices, their shipping times, or their return policies. In general, I’ve learned that you need to be very careful when shopping at these websites, to make sure you are actually getting a “deal.”

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How to Start a Property Management Company & Business

property management condo rentProperty management is a surprisingly easy and affordable field to enter, requiring minimal education or experience, and almost no small business start-up capital. That said, it is a multifaceted business that involves liaising with many different types of people (landlords, tenants, contractors), understanding local landlord-tenant laws, and creating protocols that are both efficient and effective. It’s definitely not for everyone. There are many issues and responsibilities that come with buying rental property and becoming a landlord, and starting a property management business is no different. In fact, it comes with its own set of challenges and risks.

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How To Make An Efficient Weekly House Cleaning Schedule Template & Checklist Chart

house cleaning coupleA few weeks ago, I had some friends over for lunch. I hadn’t cleaned my house in weeks so before they arrived, I had to go into mad dash cleaning mode. For about three hours my husband and I were running around like chickens with our heads cut off dusting everything in sight. Our friends wouldn’t have judged us on the cleanliness of our home (they may not even have noticed), but you don’t want guests to have to experience – or witness – your messiness.

For me, this was the last straw. Tired of playing catch-up with my cleaning, I decided to make a proper cleaning schedule.

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What Hurts and Affects Your Credit Score? 8 Factors & Financial Errors to Fix

poor credit scoreYour credit score is the most important factor in determining your interest rates and creditworthiness. The better your credit score, the less interest you will pay on loans and credit lines throughout your life. Having a good credit score can mean potentially hundreds of thousands of dollars in savings on interest payments throughout your life.

The problem is, the three major credit monitoring companies who determine your score (Equifax, Experian, TransUnion) arrive at that important number via an increasingly complex series of algorithms and other factors. If you can figure out exactly how the FICO score is determined, good for you. You are probably the smartest person in the world. For the rest of you, myFICO is a good resource to learn more and figure out what your credit score is.

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7 Frugal Life Skills to “Do It Yourself” and Save Money

Hand sewingHave you ever added up how much you spend every year getting your car’s oil changed? Or, how much you’ve spent on fresh vegetables, gourmet jam, or having your pants hemmed?

Chances are, it’s a fair amount.

I recently stopped to think about all the products and services I pay for, that I could be doing myself. My oil changes are a good example. I spend around $90-$120 per year paying a mechanic to change my oil. That’s something I could easily do myself for a small fraction of that cost.

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LivingSocial Review – Best Daily Deals Online, Right Where You Live

livingsocial logoLivingSocial is a website dedicated to giving you the best deal on a variety of different restaurants and activities, all right in your own neighborhood.

The website is organized by geographic location, so if you sign up to get their deals, you’ll only receive opportunities for discounts near where you live.

How It Works

The difference between LivingSocial and some other “deal of the day” websites like Woot.com is that it does not sell products. Rather, what it offers are more like gift certificates at a discount. If you sign up for the daily email, you’ll get one deeply discounted offer per day from a local business. If you find a deal to your liking, you just click on that deal, and you are emailed a link to your voucher within one business day. It’s a very simple process. Below is a sample deal from today for NYC Uptown:

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5 Ways to Prevent and Avoid Child Identity Theft – Protection For Your Kids

Protect Children From Identity TheftI remember when I was in my early teen years getting a phone call from a “credit card company.” They told me that my mom had told them that she wanted me to open a credit card account and that I was to give them my Social Security number. My first thought was that it seemed strange that my mom would want me to get a credit card, but I was young and impressionable so I bought it hook, line, and sinker. Lucky for me, I had no clue what my Social Security number was so I said that they would have to call my mom and get it from her.

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