[Directly excerpted from Woman's Day Magazine online]

Silver jewelry

This is going to have you scratching your head. The Silver Jewelry Club (silverjewelryclub.com) offers high-quality jewelry including silver rings, earrings, pendants and bracelets (most of them with genuine gemstones). It really is free, provided you pay the modest shipping charge of $5.99. We’re not talking junk here. As a consumer, your humble columnist, who is allergic to nickel silver, can attest to the remarkable quality of these pieces.

Why’s it free? Giving away jewelry is SJC’s way of introducing their products-they also sell their jewelry through wholesalers and stores. I have never received a single solicitation from the company.

Financial Blessings,

Nisha E.

Save on Dental services at local specialized schools. If you do not have dental insurance, check out your local dental school where you can get most of your dental needs fulfilled at a reduced cost. Call in advance for an appointment block out about two hours for an exam.  Do a search on Google or the Yellow Pages for listings near you.

Save on SPA treatments and Beauty services at local specialized schools. If you do not want to do your own nails and save yourself at least $300 (i.e. figure $25 a month for 12 months) or cut your visits in half and save $150 a year, then consider going to Beauty schools to get your hair, nail, waxing, and makeup done. Search Google or the Yellow Book for local listings for Cosmetology, Esthetician and Massage Therapy schools.

$ Go to www.SpaBeautySchools.com type in your zip code and find your local Spa & Wellness Schools. This site gives you local listing of a variety of schools that ranges from Acupuncture & oriental medicine, aromatherapy, physical therapy, reflexology, yoga/pilates, chiropractic and feng shui to massage therapy.

Don’t be too concerned about the quality of work. The students who perform these services are about to graduate (not first-year students) and all services are supervised by licensed instructors (you can always check the schools and instructors’ credentials for your peace of mind). According to Daily News 1/29/09 City Smarts’ spread, “[Specialists-in-training] need real people to practice on; thus, cost are heavily discounted (often by 50% or more). “

If you do not have schools in your area but still want to save on these spa and beauty services, purchase salons “Passport;” the first services are usually half price. And sometimes if you’ve purchased a certain number of services you can get one treatment free of charge.