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Sunday, December 14, 2014

Pinch Like You Mean It! Free eBook

Pinch Like You Mean It!  101 Ways to Spend Less Money Now

by Dr. Penny Pincher




Read this eBook it in its entirety here on Penny Pincher Journal- just click on the table of contents below to navigate.

You can download this 135 page book, a $3.99 value, to read on your favorite eReader or as a PDF file by requesting your free book.  You will also get a bonus book: Uncommon Cents: Weird Ways yo Save A LOT of Money.

Pinch Like You Mean It! is all about ways to spend less money.  Why give so much of your hard-earned money away by spending it?  Get 101 tips on how to spend less right now.  Topics include duct tape and other cheap repairs, how to get furniture for almost free, what steps to take in a financial emergency, and many tips on practical ways to spend less money every day.  When can you save money by applying for a credit card?  Check out tip #82.  What frugal tip did Lizzy Borden's father teach Lizzy the night before the infamous ax incident?  Read tip #72 and find out...

Table of Contents

Dedication
Introduction
Disclaimer
Tip 1: Avoid sales tax on food
Tip 2: Save big at Kohl’s
Tip 3: Save 10% on milk
Tip 4: Make coffee at home, save over $500 per year
Tip 5: Pack lunch instead of eating out
Tip 6: Sharpen disposable razor blades
Tip 7: Cut cable TV or satellite TV
Tip 8: Buy less gas for your car
Tip 9: Enjoy cheap- or free- exercise
Tip 10: Save when eating out
Tip 11: Get pets at the animal shelter for almost free
Tip 12:  Have less stuff
Tip 13: Haircuts at home
Tip 14: Walk instead of drive
Tip 15: Credit card points
Tip 16: Avoid dry cleaning
Tip 17: A Subway $5 footlong is a good deal
Tip 18: Use energy efficient lighting
Tip 19: Improve home insulation
Tip 20: Reduce your house payments with a mortgage re-fi
Tip 21: Buy used items and save
Tip 22: Stop making car payments
Tip 23: Avoid recreational shopping
Tip 24: Cut small unnecessary purchases
Tip 25: Utilize free resources at your library
Tip 26: Free or cheap hobbies
Tip 27: Get an artificial Christmas tree
Tip 28: Plan meals, shop with coupons
Tip 29: Drop newspapers and magazines
Tip 30: Staycation instead of vacation
Tip 31: Stop buying lottery tickets
Tip 32: Stop smoking
Tip 33: Take shorter showers
Tip 34: Find out where your money is going
Tip 35: Avoid boarding your pets
Tip 36: Get multiple estimates for home improvement projects
Tip 37: Get enough sleep
Tip 38: Eat less
Tip 39: Cut down on travel
Tip 40: Install a programmable thermostat
Tip 41: Chew gum instead of eating a snack
Tip 42: Switch from soda to free water
Tip 43: Cut down on coffee
Tip 44: Pay off high interest credit cards first
Tip 45: Negotiate on hotel rates
Tip 46: Take advantage of kids eat free nights
Tip 47: Inexpensive foods that are healthy
Tip 48: Free stuff
Tip 49: Buy fewer things, but better quality
Tip 50: Avoid expensive clothing brands, especially jeans
Tip 51: When to buy food items at convenience stores
Tip 52: Sell unneeded appliances
Tip 53: Wait to buy materials for projects
Tip 54: Don't go for a test drive unless you want to buy a car
Tip 55: Watch out for high pressure sales pitches
Tip 56: Save on insurance with bundle discounts
Tip 57: Don't carry small bills
Tip 58: Wait 48 hours to buy
Tip 59: Use a black permanent marker to revive old clothes
Tip 60: Carry your best coupons in your wallet or purse
Tip 61: Spend more thought and less money on presents
Tip 62: Reduce/avoid knick knacks and collectables
Tip 63: Consider downsizing to reduce expenses
Tip 64: DIY projects to save money
Tip 65: Shop around for the best deal
Tip 66: Take good care of your teeth
Tip 67: Grow your own food in a vegetable garden
Tip 68: How to cut expenses quickly in a financial emergency
Tip 69: Carpool to save on vehicle expenses
Tip 70: Keep your car clean
Tip 71: Try not to move
Tip 72: Use old clothes for rags
Tip 73: Donate unneeded items and save money on taxes
Tip 74: Buy generic- why pay for advertising?
Tip 75: Don't go grocery shopping hungry
Tip 76: Get free checking, avoid bank fees
Tip 77: "Bank" at a credit union rather than a bank
Tip 78: Turn off unneeded lights and appliances
Tip 79: Can you eliminate an extra vehicle?
Tip 80: The art and science of the store return
Tip 81: Discount programs at grocery stores
Tip 82: When to apply for a credit card to save money
Tip 83: Fun night at home
Tip 84: Pizza can make you happy
Tip 85: Use coupons for oil changes
Tip 86: Get furniture for almost free
Tip 87: Shop on tax free day
Tip 88: No more late fees
Tip 89: No more postage
Tip 90: Duct tape and other cheap repairs
Tip 91: Repair shoes instead of throwing them away
Tip 92: Rent a truck instead of buying one
Tip 93: Get building materials for free
Tip 94: Save hardware odds and ends
Tip 95: Bake and decorate your own cakes
Tip 96: Stay off the hamster wheel
Tip 97: Avoid spending deathtraps
Tip 98: Don't throw away all the old batteries
Tip 99: Buy less stuff that is made to be thrown away
Tip 100: Use fans to lower your bills
Tip 101: Read Penny Pincher Journal
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