January 31st, 2009 by Esswi
[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.
January 31st, 2009 by Esswi
Pay one co-pay instead of three. If you take a prescription medication on a regular basis, ask your doctor to write a three month prescription instead of one. Why pay three co-pays when you can only pay for one. Save 1/3rd to 2/3rd by purchasing 90-day prescriptions.
Financial Blessings,
Nisha E.
January 31st, 2009 by Esswi
There are many advocacy groups that offer free screenings, such as, pap smears and breast exams. For skin cancer exams, go to (www.Melanomamonday.org) or call (800) CDC-INFO (800-232-4636) at The Center for Disease Control and Prevention. For a list of numbers and information for free and low-cost screening, visit Jim Miller’s site at www.savyseniors.org (information not only for seniors). He also suggests you go to www.legsforlife.org or call 800-488-7284.
Financial Blessings,
Nisha E.
January 31st, 2009 by Esswi
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.
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, “[Dentists-in-training] need real people to practice on; thus, costs are heavily discounted (often by 50% or more)… Two of the best dental schools in NYC are (www.nyu.edu/dental/patientinfo) or Columbia (www.dental.columbia.edu/patients/sdosclinics.html) SAVES $75 for a cleaning, hundreds for specialized care.”
Financial Blessings,
Nisha E.
January 31st, 2009 by Esswi
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.
Have no intensions of using all the services in the passport? Then split the cost with friends or a friend, give the service as a gift or even sell it for a reasonable profit to someone who is willing to pay for it.
Financial Blessings,
Nisha E.
