Comments for Frugalpig Frugal Living Ideas http://frugalpigs.com Frugal and Cheapskate Living Ideas Wed, 13 Jan 2010 03:29:10 +0000 http://wordpress.com/ hourly 1 Comment on Family Budget Plans to Reduce Debt by BDO http://frugalpigs.com/2010/01/12/family-budget-plans-to-reduce-debt/#comment-132 BDO Wed, 13 Jan 2010 03:29:10 +0000 http://frugalpigs.com/?p=51#comment-132 Great ideas! Keep up the good work! http://alliance.beatingdebt.org/about/ Great ideas! Keep up the good work!
http://alliance.beatingdebt.org/about/

]]> Comment on Surviving The Holidays Without More Credit Card Debt. by frugalpigs http://frugalpigs.com/2008/11/13/surviving-the-holidays-without-more-credit-card-debt/#comment-46 frugalpigs Sat, 15 Nov 2008 06:34:01 +0000 http://frugalpigs.wordpress.com/?p=30#comment-46 That calling your credit card thing is classic advice, and it used to work very well. Nowadays, it doesn't work as well as you'd think with some card companies. You get a customer service agent from another land who tells you that they have no other current offers. And that's from people who pay more than the minimum and have stable, if not rising, and decent credit scores. Either the credit card companies are strapped, and do not want to encourage any more risk, or they just figure they can do whatever they want and people will be stuck with it in a tight credit environment. That calling your credit card thing is classic advice, and it used to work very well. Nowadays, it doesn’t work as well as you’d think with some card companies. You get a customer service agent from another land who tells you that they have no other current offers.

And that’s from people who pay more than the minimum and have stable, if not rising, and decent credit scores.

Either the credit card companies are strapped, and do not want to encourage any more risk, or they just figure they can do whatever they want and people will be stuck with it in a tight credit environment.

]]> Comment on Surviving The Holidays Without More Credit Card Debt. by San Francisco Certified Financial Planner http://frugalpigs.com/2008/11/13/surviving-the-holidays-without-more-credit-card-debt/#comment-45 San Francisco Certified Financial Planner Fri, 14 Nov 2008 18:07:22 +0000 http://frugalpigs.wordpress.com/?p=30#comment-45 Holidays on a budget can be tough - but this article has some great ideas. I especially like the 'movie rental nite' package. Cool. If you are worried about your debt, the holiday time is as good as time as any to make it a regular practice to call your credit cards to ask for a lower rate. I have one client who owes over $20,000 on a Visa that was at 18%. He spoke with a 'rate specialist', touting his rising credit score and declining balance and got his rate cut in half, from 18% to 9%! His monthly interest charge was instantly reduced by $150, which will help him pay off his debt even sooner. Holidays on a budget can be tough – but this article has some great ideas. I especially like the ‘movie rental nite’ package. Cool. If you are worried about your debt, the holiday time is as good as time as any to make it a regular practice to call your credit cards to ask for a lower rate. I have one client who owes over $20,000 on a Visa that was at 18%. He spoke with a ‘rate specialist’, touting his rising credit score and declining balance and got his rate cut in half, from 18% to 9%! His monthly interest charge was instantly reduced by $150, which will help him pay off his debt even sooner.

]]> Comment on Average Funeral Costs in The US? by Your Funeral Guy: 7 steps to a low cost funeral « Yourfuneralguy’s Weblog http://frugalpigs.com/2008/10/27/average-funeral-costs-in-the-us/#comment-41 Your Funeral Guy: 7 steps to a low cost funeral « Yourfuneralguy’s Weblog Tue, 04 Nov 2008 03:22:13 +0000 http://frugalpigs.wordpress.com/?p=28#comment-41 [...] http://frugalpigs.com/2008/10/27/average-funeral-costs-in-the-us/ [...] [...] http://frugalpigs.com/2008/10/27/average-funeral-costs-in-the-us/ [...]

]]> Comment on Health Insurance. Oh, My! by sevendaysolutions http://frugalpigs.com/2008/06/14/health-insurance-oh-my/#comment-37 sevendaysolutions Sat, 13 Sep 2008 01:05:21 +0000 http://frugalpigs.wordpress.com/?p=7#comment-37 Yes, being in North Carolina most of my health insurance clients are between 50 to 63 and have health issues. The important thing is to find a company who will not have a tier system in place to increase premium 20% every year and will always rate you at the age you signed up at and the health condition you are presently at. There is such a company that also can not cancel you unless you don't pay the premium. Let me tell you my opinion of high deductible policies. Smoking Mirrors... Most insurance companies love them because they know the odds of you spending more than 5k on a hospital visit or sickness which is less than 20 percent of the time. Why do you think after 7 hurrincanes in two years costing millions of dollars not one insurance company went broke? They have the stats and know how to use them like Vegas the odds are always in the house's favor. If banks took that kind of hit, a lot more of them would be down the tubes. Banks borrow money from insurance companies and still go broke! Let me know if I can help Yes, being in North Carolina most of my health insurance clients are between 50 to 63 and have health issues. The important thing is to find a company who will not have a tier system in place to increase premium 20% every year and will always rate you at the age you signed up at and the health condition you are presently at. There is such a company that also can not cancel you unless you don’t pay the premium.
Let me tell you my opinion of high deductible policies. Smoking Mirrors… Most insurance companies love them because they know the odds of you spending more than 5k on a hospital visit or sickness which is less than 20 percent of the time. Why do you think after 7 hurrincanes in two years costing millions of dollars not one insurance company went broke? They have the stats and know how to use them like Vegas the odds are always in the house’s favor. If banks took that kind of hit, a lot more of them would be down the tubes. Banks borrow money from insurance companies and still go broke! Let me know if I can help

]]> Comment on Grocery Coupons And Other Money Saving Ideas by Michelle http://frugalpigs.com/2008/07/12/grocery-coupons-and-other-money-saving-ideas/#comment-35 Michelle Mon, 08 Sep 2008 06:34:33 +0000 http://frugalpigs.wordpress.com/?p=11#comment-35 Talk about high fuel prices. I usually go to grocery shopping weekly, but because of the recession I am now doing it monthly. And I now buy in bulk! Talk about high fuel prices. I usually go to grocery shopping weekly, but because of the recession I am now doing it monthly. And I now buy in bulk!

]]> Comment on Health Insurance. Oh, My! by TN Insurance Agent http://frugalpigs.com/2008/06/14/health-insurance-oh-my/#comment-34 TN Insurance Agent Fri, 05 Sep 2008 04:50:31 +0000 http://frugalpigs.wordpress.com/?p=7#comment-34 There are several ways to save money on private health insurance as a self-employed individual. Starting early and building on a health insurance portfolio is the best way, but even older individuals can find better savings by combining insurance plans. Here is an article that explains this in more detail: http://www.edgeoninsurance.com/health-insurance-tips-and-strategy/24-insurance-tips-and-strategies/19-how-combining-health-plans-saves-money I hope this helps. There are several ways to save money on private health insurance as a self-employed individual. Starting early and building on a health insurance portfolio is the best way, but even older individuals can find better savings by combining insurance plans.

Here is an article that explains this in more detail:

http://www.edgeoninsurance.com/health-insurance-tips-and-strategy/24-insurance-tips-and-strategies/19-how-combining-health-plans-saves-money

I hope this helps.

]]> Comment on Fast Online Degrees For Real World Experience by Robert http://frugalpigs.com/2008/07/29/fast-online-degrees-for-real-world-experience/#comment-31 Robert Wed, 03 Sep 2008 08:26:06 +0000 http://frugalpigs.wordpress.com/?p=14#comment-31 The thing of it is, anyone can finance their own education. Community Colleges are often times the best, and affordable, route people take today. Grants, financial aid, scholarships - even various forms of tuition assistance programs are out there for working adults / whoever to take advantage of. I think it just boils down to a matter of motivation and commitment. -R The thing of it is, anyone can finance their own education. Community Colleges are often times the best, and affordable, route people take today. Grants, financial aid, scholarships – even various forms of tuition assistance programs are out there for working adults / whoever to take advantage of.

I think it just boils down to a matter of motivation and commitment.

-R

]]> Comment on Frugal Living Means Less Is More by mynewhomestead http://frugalpigs.com/2008/05/27/frugal-living-means-less-is-more/#comment-29 mynewhomestead Sun, 31 Aug 2008 22:09:45 +0000 http://frugalpigs.wordpress.com/?p=4#comment-29 I agree completely! Frugal living just plain makes sense in today's world. We need to save where we can. I agree completely! Frugal living just plain makes sense in today’s world. We need to save where we can.

]]> Comment on Frugal Living Means Less Is More by frugalgangstar http://frugalpigs.com/2008/05/27/frugal-living-means-less-is-more/#comment-25 frugalgangstar Mon, 25 Aug 2008 21:41:17 +0000 http://frugalpigs.wordpress.com/?p=4#comment-25 You're right frugal living insn't bad at all. We are just programmed to think we need all this "stuff" when in reality we don't. You’re right frugal living insn’t bad at all. We are just programmed to think we need all this “stuff” when in reality we don’t.

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