Why not make your money work for you and take advantage of a high-interest free checking account nearest you.  Go to checkingfinder.com, put in your zip code and the site will shop around for the highest checking account interest rate nearest you.  It’s that simple.

Financial Blessings,

Nisha E.

With June Jacobs, Origins, Burt’s Bees, and Claus Porto you can create your own spa at home for free of charge.  You can sign up at noon on the dates below and enter your chance to win one of the four baskets filled with skin and body products.

Go to allure.com/freestuff and log on to win.

Financial Blessings,

Nisha E

Excerpted from The NY Post @ Work

Jet Blue is offering a “full refund on an airline ticket if [you] lose a job between the time of the purchase and the actual flight.” You must fill out a form and prove you lost your job.

Office Depot is offering “25 free one-sided copies” of your resume and will fax them to five places for free.

Walgreens is offering service at their in-store health clinics to a recently unemployed person and their “uninsured family members for free during certain hours.” The coverage is limited. They will not cover allergies, respiratory problems, skin conditions – checkups and vaccinations.

Pfizer is offering “more than 70 of its drugs [to those] who have lost their jobs after jan.1 and had been prescribed the pill three months before being laid off. That includes Viagra, by the way.” This offer extends to those who have lost their health insurance or experienced financial difficulty.

Bank of America is waiving monthly maintenance fees on checking accounts for folks who have been unemployed for three months.

PricePlease.com is an online service that monitors price changes on specified products and alerts consumers of these changes where online shoppers can choose from two different ways to save.

Two types of Alerts:

1. Price Drop Alert monitors desired products for you in advance before any major purchases.  It will send you a price change notification via email so that you are not attached to the computer.  It does the work for you which makes it a lot easier for you to continue with your day-to-day activities without interruption.  The alerts only last 30 days, however, you can always start your price alert all over again.
2. Refund Alert allows you to track items recently purchased and request a refund.  This is called the refund alert which monitors the price reduction.  Some retailers have their own price protection policy which automatically refunds the customer the monetary difference of your purchase price and the reduced price.
   

E-mail Alerts

You can set up a valid email address to receive price changes alert of desired items purchased or for future purchases. You also have the option to decline email alerts if you wish.  This is a very user friendly site which allows you to change or edit your account.

Financial Blessings,

Nisha E.

Financial Blessings,

Nisha E.

www.faxzero.com

This site provides a free service of up to two free faxes a day.  According to the site you do not need a fax machine.  However, you do need a valid email address.  You can upload your document to the site and the site automatically faxes your document for you.  How great is that?!!!  The site is supported by advertising their site on the cover pages of the faxes sent.  To find out more, visit the site.  The link is provided above.

Check out faxzero frequently asked questions and answers: http://faxzero.com/contact.php

Financial Blessings,

Nisha E.

Ask for One Month’s Rent Free:

It is difficult for landlords to find great tenants to fill vacancies.  If you are a reliable and good tenant any landlord today would be willing to accomodate you.  You can either ask for a break or try extending the lease.  By extending the lease you can make a deal to pay less on your rent for agreeing to stay longer.  Think about it, both sides wins.

Get a Free Workout with a Trainer:

Stop by your local gym and tell them you are new in the area and  you are looking to find the right gym or studio to join.  You’d be surprise of the complimentary class or free trial period offered to you.

Free Night Out:

Look in your newspaper and check out the culture section that has information about openings at art galleries and various cultural events.  Also, check out metromix.com.  You can go to events that offer free wine, cheese and entertainment or “visual stimulation.”

Free Hotel Upgrade:

Just ask for it.  Many hotels carry empty rooms.  Say to the receptionist or manager, “can I get an upgrade for my stay here?”  Most likely, you’ll be happy you asked.

Free Shopping Spree:

Join freecycle.org for e-mail alerts about clothes, appliances, housewares, electronics and other items that locas are giving away.  If you are looking for a specific item, don’t be afraid to post it.  You might just get what you request.

Financial Blessings,

Nisha E.

When you purchase items with cash it puts a strict limit on how much or what you can buy.

Tip #1: Figure out how much money you need for the day and put that amount in your purse or wallet

Tip#2: Leave the plastic at home

Benefit: You will spend less when you have to depend on cash.

Financial Blessings,

Nisha E.

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.