Make Your Own Coffee (Save between $540 to $1,500 annually)

Negotiate lower Credit Card Rates

Compare major services such as phone, cable, cell phone service

Monitor Accounts

Change filter on Air Conditioner (Conserve Energy and Save Money)

Join an online DVD rental service.  If you’ve already tried you library, check out Blockbuster or Netflix (netflix.com)

Adjust your Insurance policies and save between 15 to 30%

Get more out of Banking: Try internet banks such as, ingdirect.com, etrade.com, hsbcdirect.com and make your money work your by yielding more interest on every penny you save.

Conserve energy and money by using less energy.  Consider fluorescent light bulbs and changing the filter on  your air-conditioning and heating system.

Cut back on personal costs.  Consider beauty schools to get your spa treatments, nails and hair care.  Also, consider dental schools to get your cleaning and annual checkups if you do not have any insurance.

Financial Blessings,

Nisha E.

To save money, try:

www.dinnerbroker.com (get up to 30% off bill for making off-peak reservations).

www.opentable.com (get off-peak rewards and points for each reservation, redeemable for $20 at any of the 8,000 participating eateries).

www.restaurant.com (buy a gift certificate for $25 or $10 and receive dinning at a greater value)

www.entertainment.com (get coupon books and save lots of money on your daily spending)

Financial Blessings,
Nisha E.

Excerpt from www.soyouwanna.com

An Air Courier is someone who travels without luggage to fill a seat a company has purchased in order to send goods or papers. So you simply take a seat that otherwise would be physically empty. Companies resell the tickets at massively discounted prices because they need a warm body to accompany their stuff and make sure it gets where it needs to go. It can also be cheaper for a company to sell the seat at a major discount than to send the stuff over via airmail. The benefits to the company are 1) the swift transportation of important items and 2) faster customs clearance than regular cargo.

The benefit to you is a cheap ticket, anywhere from 50% off or more. The drawback of being a courier is the possible lack of advance notice about your flight and traveling with only a carry-on bag, especially for longer trips. But it’s crazy cheap, especially for international flights.

Note that most courier travel companies require you to become their member for an annual fee. Some places to contact include:

* The International Association of Air Travel Couriers
* Worldwide Courier Association
* The Air Courier Directory
* Now Voyager Travel
* Global Courier Travel
* Courier Travel News

Financial Blessings,

Nisha E.

To save on long distance calls, go to www.saveonphone.com

1. Select you State and be linked to the lowest long distance rates
2. Customize your cell plan
3. Choose monthly price limit or amount of minutes you wish
4. The site sort through plans that meet your needs

Do you want to Swap an Expensive Contract?

Do you want to Avoid Paying Hefty Termination Fees?

Go to:

1. www.celltradeusa.com
2. www.trademycellular.com
3. www.cellswapper.com

Financial Blessings,

Nisha E.

You’re probably saying, “for as little as $1?  You’ve got to be kidding?!”  No, I’m not.  I have done it so I know its real.  My Mom was actually the one to enlighten me about this deal.  She said my brother traveled from NYC to Boston for $1.  I said, “WHAT!”  So of course I had to go look it up.  And, Yep!, its real.  I actually purchased one for $1.  And can I tell you the buses are no Shing-Dig buses, they are NICE.

Here’s the deal, if you purchase your ticket way in advance, you can get a trip for as little as a $1.  It is no secret and it is no lie.  I’ve actually seen these limo buses parading in the City with the ad all over the bus.  And its also international.  Megabus is in the United Nation, Canada and the U.S.

In the U.S., Megabus goes to Toronto, Boston, Phili, N.Y. Albany, Buffalo, Rochester, Washington D.C., etc. Check out the site and you may just find a bus to your destination.

I recently found out that a couple went to Toronto for $50 round trip from NYC.  And that was the TOTAL for both, round trip.  So say you have to go to your brother’s graduation in May or June and you know the exact date, book your tickets now and you can get a ticket for that deal or if you can’t Megabus may still be lower than your regular carrier.

Also check out Megatrain.com

Save Ride!

Financial Blessings,

Nisha E.

Simply enter your zip code and preview discounts near you.

If you order today, you will get $10 OFF your 2009 Entertainment book, plus free shipping and handling.

The BENEFITS:

• Thousands ($1,000s) of local savings
• Dinning Discounts
• Sporting events Discounts
• Shopping Discounts
• Attraction Discounts

Also, register your membership card online and receive more savings.

After you’ve received these savings you will pay for the book itself.

Financial Blessings,

Nisha E.

www.pandora.com

Pandora is an internet radio that automatically recommends music based on your favorite song or artists you request to listen to.  It’s like having your own personalized radio; not to mention, it’s FREE.  It plays a stream of music similar to your current or previous selection.   According to Pandora you can “explore this vast trove of music to your heart’s [desire].”  You can create your own radio or a “new station” by dropping one of your preferences; favorite titles or names.  Then the Music Genome Project scans over 400 attributes (a list of attributes M.G.P. uses to classify music) with similar rhythm, vocal, and instrumental aptitude, and more.

Also, as of this year, July 11, Pandora’s mobile software can be found on the Apple iPhone and iPod Touch through the iTunes App Store.

Options

Pandora surveys your taste by asking for you feedback of whether you approve or disapprove of the song or title recommended.  You can respond by giving a Thumbs up (I like this) or Thumbs down (I don’t like this).

Watch out for these restrictions

· You cannot Rewind or Repeat
· You are only allowed six skips per hour (includes thumbs down response, although you can change the song by refreshing the player)
· The songs continue play whether or not you are listening to the station

Check out:

Deezer; Live365; iLike; Last.fm; Musicovery; Slacker; Stitcher Radio

$ Until April 2009 Bank of America has an agreement with 73 museums across the nation to get free passes for the first weekend of the month if you show your Bank of America debit, credit or ATM card.  Go to www.bankofamerica.com/museums for more details.
$ Not a Member: NYC Museum of Modern Art offers free entry on Friday nights