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	<title>www.BrushWrites.com &#187; Budget</title>
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	<link>http://www.brushwrites.com</link>
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		<title>Escape the Mundane : Hot Holiday Getaways Within your Budget</title>
		<link>http://www.brushwrites.com/escape-the-mundane-hot-holiday-getaways-within-your-budget/</link>
		<comments>http://www.brushwrites.com/escape-the-mundane-hot-holiday-getaways-within-your-budget/#comments</comments>
		<pubDate>Sun, 13 Dec 2009 05:11:52 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Escape]]></category>
		<category><![CDATA[Getaways]]></category>
		<category><![CDATA[Holiday]]></category>
		<category><![CDATA[Mundane]]></category>
		<category><![CDATA[Within]]></category>

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<p>Come Christmas and the rush of Holiday Tourism begins.  Getting away, even for a weekend, is the best thing you can do to bring the family closer and celebrate a memorable Christmas.<br />
To give you the best of the both worlds, here are some Getaway ideas to help you escape during Christmas and New Year&#8217;s.<br />
·Mountain Getaways: The probability of a white Christmas is not being guaranteed by the Met Department this year.  Ensure the traditional fervour by going out with your family to a mountain retreat.  The lofty peaks of Cotswolds, Cornwall, Devon, Lake District, Scotland or Wales will make this holiday memorable.  You are bound to return some time later, bewitched by these mountain peaks forever.<br />
·Coastal Cottage Getaways &#8211; Want to spend a quiet weekend away from the crazy crowds?? Opt for a coastal cottage, which hopefully allows you to take your pet along as well.  The rustic charm of the simple lifestyle will make sure that you rejuvenate and revive for the coming year.  Wales (Pembrokeshire), Dorset and Norfolk are great places to rent these cottages this season.<br />
·Skiing  Nothing beats a traditional skiing holiday as far as Christmas Season outings are concerned.  For a short and within budget holiday, you might choose to go to Scotland this year.  While not exactly in the same class as the Alps, the Cairngorm, Aviemore Skiing Lodge is best for weekends and provides ample skiing fun for novices.<br />
·Camping  There are two kinds of campers.  Ones who feel that they need all the modern comforts while enjoying this experience and ones who want to &#8216;go back to the basics&#8217; so to say.  No matter what kind you belong to, you will find ample delights within the limits of your pocket in a camping holiday near your home.  Edinburgh, Mill Park, North Devon, England, Carrick Dhu &#8211; Northern Ireland, Isle of Mull  Scotland are some of the featured best camping destinations in UK.<br />
. Surfing  For the adrenaline junkies, Surfing is the best way to let some hair down.  Newquay, Cornwall, in particular has been the breeding ground for national and international surfing champions since several years.  Accept the challenge and be ready to fill your ears with the roar of the waves for the year to come.  <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Samuel Hary would bring to you the best christmas gifts, Cashback deals and the latest trends and info on the products/services we all love to shop for. </div>
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</ol></p>]]></content:encoded>
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		<item>
		<title>10 Tips for Staying Within your Christmas Budget</title>
		<link>http://www.brushwrites.com/10-tips-for-staying-within-your-christmas-budget/</link>
		<comments>http://www.brushwrites.com/10-tips-for-staying-within-your-christmas-budget/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 17:13:21 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Staying]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Within]]></category>

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<p>You&#8217;ve saved all year (ok, maybe just  for a couple of weeks) to buy Christmas gifts, and now you&#8217;re finding  that you&#8217;re running low on dough.  How are you going to buy gifts for  everyone on your list? These 10 tips will help you select just the  right gifts without going into the dreaded &#8220;Christmas debt. &#8221; <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Heather L.  Clark is a Web researcher and writer.  In her spare time she enjoys pilates, music and Seinfeld reruns.  She believes in the power of  Christmas Wish Lists and making endless to-do lists in her day planner. </div>
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		<title>How to Enjoy your Disney Vacation at a Limited Budget</title>
		<link>http://www.brushwrites.com/how-to-enjoy-your-disney-vacation-at-a-limited-budget/</link>
		<comments>http://www.brushwrites.com/how-to-enjoy-your-disney-vacation-at-a-limited-budget/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 14:22:54 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Disney]]></category>
		<category><![CDATA[Enjoy]]></category>
		<category><![CDATA[Limited]]></category>
		<category><![CDATA[Vacation]]></category>

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<p>Disney World is undoubtedly every child&#8217;s dreamland.  We parents would love to fulfil our child&#8217;s dreams, however, a Disney vacation is by no means cheap, and it will definitely involve plenty of expenses.  If you are planning a family trip to the theme park soon, do not fret just yet.  You can experience a magical Disney vacation at a limited budget! This article will teach you important tips on how.  <br/><br/>The first most important thing to do is to avail of the cheap Disney packages.  These packages are all inclusive (dining, accommodations, park entrance, etc. ) so you would not have to worry about the tiny details.  Of course, a cheap time to go to the theme park is during off season.  Peak season (during summer days and Christmas season) have steep prices, so avoid planning a trip during these times.  If you are on a budget, visit during off season.  That way, it will be less expensive, less crowded and shorter lines! Off season is when the resort usually offers a free dining plan offer.  You will be surprised that you&#8217;ll be able to save up to 50% just by doing this.  <br/><br/>Book your vacation by yourself, and book it a few months ahead.  By far, you will get the cheapest rates by booking your Disney vacation through the internet.  You do not actually need a travel agency to do the booking for you; as this is a fairly easy process and can be done in a few minutes.  You can compare prices and choose the best price yourself.  <br/><br/>Give your children Disney Dollars as pocket money, which they can use as spending money at the parks for souvenirs, snacks and meals.  You can purchase Disney Dollars or earn them by using a Disney Rewards Visa Card.  You earn $1 Disney Reward Dollars for every $100 purchase.  This doesn&#8217;t seem like much, but if you accumulate your purchases, you can easily earn a hundred dollars of Disney reward money! <br/><br/>Food in Disney World is practically legal burglary.  If you could, pack in snacks and water.  Eating in the park&#8217;s many restaurants will surely put a big dent on your budget.  If you do have no choice but to dine in, bring coupons.  The restaurants inside will accept coupons.  Bring plastic zip lock bags and lunch bags so you can pack your leftovers and eat them later on.  <br/><br/>As much as possible, use Disney&#8217;s transportation services.  The buses, monorail system and ferries are easy to get around and could be lots of fun.  If you stay in one of the theme park resorts, you do not have to hire a car or ride a taxi since all your transportation needs are taken care of! There are free transportation services that will take you to all the theme parks.  Moreover, you can use the Magical Express that can take you to and fro the Orlando Airport.  <br/><br/>In spite of your limited budget, the whole family can still enjoy your vacation with the help of careful planning and sensible choices.  <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Steve enjoy saving money and researching way to save some money.  Check out my new site that just might save you a dollar on your next family vacation at: Walt Disney World Vacation</div>
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		<title>Travel Tips For Budget Vacation</title>
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		<comments>http://www.brushwrites.com/travel-tips-for-budget-vacation/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 10:21:39 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Vacation]]></category>

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<p>Just about every vacationer is interesting in keeping the cost of his or her adventures low.   Most people work all year just to be able to enjoy a one or two week vacation from the cares of the world.<br />
Unless you are independently wealthy and money is no object, chances are you will be interested in the following tips for squeezing the most value out of your limited vacation dollars.<br />
- When planning for a particular destination, especially a popular one like Orlando, Europe or the Caribbean, it pays to plan ahead.<br />
- Be sure to spend some time researching the local attractions, and comparing various lodging options.   Be sure to look for discounts that are available, and see if it is possible to buy things like theme park tickets or museum admissions prior to arrival.   Doing so can save you both time and money.<br />
- Try taking your holiday in the off season or shoulder season.   Avoiding the high season can provide many benefits, including lower prices and fewer crowds.<br />
- Prices on airline tickets, car rentals, hates and cruises often drop significantly after the high season has gone.<br />
- If you have friends or relatives near your chosen destination, consider asking them for a place to say.   It can be fun for many people to show visitors around their town, and they may enjoy having the company.<br />
- When taking this approach, however, be sure to chip in by doing chores, paying for groceries, filling the gas tank on the family car, etc.<br />
- Try to plan flying vacations for the times of year when airfares are generally the cheapest.   For most destinations, this period runs from February through May and September through December.<br />
- The one exception to this rule is the week before Thanksgiving and the two weeks leading up to Christmas, when prices shoot back up.   If you must fly during the high season, be sure to research the fares on low cost airlines.<br />
- When traveling by car, be sure to pack lots of ready to eat food in the car to avoid expensive restaurant meals.<br />
- When eating in restaurants, try to avoid those that obviously cater to the tourist crowd.   Eating where the locals do will allow you to enjoy better food at lower prices.<br />
- When planning your hotel stays, try to strike a balance between a convenient location and a low price.   Hotels closer to a given attraction are generally more expensive, while those in suburbs and outlying areas tend to be less costly.<br />
- Compare the amenities of the hotels carefully.   Decide what is important to you, and use those priorities as a guide when choosing from among comparably priced hotels.<br />
- For a low cost alternative to expensive hotels, consider renting an RV for your next vacation.   There are a number of rental agencies that offer rentals, and an RV can often be a low cost alternative. RV campgrounds are generally much less expensive than traditional hotel rooms.<br />
- When renting a car, choose the smallest, most fuel efficient vehicle you can find.<br />
- Not only are compact and subcompact cars cheaper to rent, but they are cheaper to operate as well.<br />
- If traveling in your own car, be sure it is up for the trip.   A good pre vacation checkup or tune-up can save a lot of problems.   Car repairs on the road can be both inconvenient and expensive.<br />
- If the destination you are traveling to has good public transportation options, you may not need your own car, or a rental car, at all.<br />
- Many large cities in the United States and Europe have such good bus, subway and train systems that a personal car is unnecessary.<br />
- Camping can be an excellent, and very low cost vacation for nature lovers of all ages and interests.   Campgrounds are easy to find and inexpensive.<br />
- In addition, many campgrounds offer great amenities, such as swimming pools, sports and every movie nights.<br />
- Planning activities that do not need a lot of money to enjoy, such as hiking and swimming, is a good way to maximize value and minimize vacation spending.<br />
- In addition, museums and historical sites generally have very low priced admissions and can be fun <br/><br/></p>
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		<title>Holiday On A Budget</title>
		<link>http://www.brushwrites.com/holiday-on-a-budget/</link>
		<comments>http://www.brushwrites.com/holiday-on-a-budget/#comments</comments>
		<pubDate>Sat, 12 Dec 2009 09:24:19 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Holiday]]></category>

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<p>During the winter months we all daydream about getting away from the cold days, jumping on a plane and heading off for a weekend in the sun.  With the expense of Christmas just around the corner an extravagant holiday might not seem like the most viable option, especially if you’re on a budget.  At this time of year many tour operators are desperately trying to fill up their holiday quotas so it’s actually one of the best times to bag a bargain.  There are several things you can do to make sure you get the best value for money when booking a budget holiday.  You can often find amazing deals online that you won’t find when visiting your local travel agencies and lots of operators offer an online discount so it can pay to book via the internet.  It’s important to be flexible when trying to book a budget holiday.  Flying midweek is a good option to save money as prices are almost always cheaper at this time and, if you are not too fussed about the location of your holiday, you’re guaranteed to find a cheap deal to a top destination.  You will normally find that package holidays offer some of the cheapest options around and, with flights and hotels included in the price; you know what you’re paying for up front.  If it’s a budget break you are looking for, an all inclusive holiday would be the furthest thing from your mind but there are some great deals to be had if you look hard enough.  All inclusive can be great for people who are not so good at budgeting as you don’t have to keep a tally of your spending.  Drinks, meals and snacks are all included in these deals so your extra costs should be kept to a minimum.  If money is tight then it’s important to remember to budget everything before you book your holiday.  Many hidden extras can push up your spending so if you’re not careful you could end up paying for transfers to and from your airport, extra taxes or room supplements.  With loads of tour operators offering cheap holidays online it’s a good idea to check them out before booking.  So you don’t fall foul of rouge travel agents make sure you have all your http://www. lloydstsb. com/insurance/insurance. asp&#8221;>insurance in order so you can feel safe and secure when booking.  There are lots of watchdog sites you can visit to find impartial reviews of hotels and tour operators so you can be sure you’re getting your monies worth.  Budget holidays should be all about a quick getaway at the lowest cost so shop around before you buy and don’t worry if you miss out on one cheap deal, there will always be another right around the corner.  <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Matthew Pressman writes for a digital marketing agency.  This article has been commissioned by a client of said agency.  This article is not designed to promote, but should be considered professional content. </div>
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		<title>Successful Elements to a Family’s Home Budget or Budget Spreadsheet</title>
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		<pubDate>Sat, 12 Dec 2009 03:12:10 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
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<p>The internet is a saturated jungle of home budget software ranging from the simple, to the very complex in functionally.  To successfully navigate this maze of advertising mayhem, and walk away with the correct Home budget software or budget spreadsheet; you will need to carry with you, in the background of your mind as your search, those critical key elements that are vital in making your family’s home budgeting dreams come true! Key elements such as user-friendly interfaces, text and graphics with useful information, and useful supplemental add-ons.  <br/><br/>The role of advertising! <br/><br/>P.  T.  Barnum, and American circus entertainer once said, “There’s a sucker born every minute”.  Thou I, being part of the populace, and with mild embarrassment, would have had Barnum at that time in history spoken, “If given the right ploy, anyone can become a sucker!” In the days of Barnum, just as it is in today’s world, advertising’s ultimate goal is to turn, even the mildest curiosity, into a successful sale.  And to that end, you the consumer is faced with barrage of advertising strategies, all geared for one thing.  To remove from your wallet, as much money as possible.  <br/><br/>Key elements in household budgeting &#038; the consumer’s responsibility! <br/><br/>Element one &#8211; Your budget spreadsheet or home budget software should have a user-friendly interface.  It should be flexibly and easy to understand in its operation.  You should not need a degree in programming in order to use or understand it.  Likewise, its working environment should be designed with you, the consumer in mind.  You should not have to struggle to navigate from one section of your home budget to another.  The screen’s layout should be easy to understand.  Some programmers believe that more is better; and so to that end they have fatten up ever screen with excessive graphics and/or text that contains little or no useful information.  Your home budget software will become an integrate part of the lives of your family.  The using of it should not stress you out! If you want stress… have children! <br/><br/>Element two – Your budget spreadsheet or home budget software should provide you with useful information.  It should be noted here that the function of a home budget is NOT just to formulate reports on monthly transactions.  The function of a home budget is NOT Just to record income and expenses as they occur.  Your family is not JUST about living or existing! What about dept management? What about your short and long term goals in life? Part of the totality of any home budget software is to deal with all of these issues.   For, it is all of these issues that impact the way you live and the dreams you have about your future.  Your home budget software should aid you in the reaching your short and long term goals in life.  If it does not, than you should not be using it.   Likewise, your home budget software should provide you with useful information about your future projected bank balances.  Elements that contain Information such as daily bank balances, your lowest weekly bank balance, and bank balance trends over time (charts).  If you are going to budget out your expenses, then those projected expenses will (over time) affect your bank balance.  These elements are paramount to any successful home budget.  Without their implementation, your financial lifestyle will revolve somewhere between banquettes and begging! Your budget spreadsheet or home budget software should also provide a means of correcting deviations between projected and actual income and expenses.  Unless you plan to record every little expense, then expect deviations between your project bank balance and your actual bank balance.  <br/><br/>Element Three – Your budget spreadsheet or home budget software should provide you with useful secondary supplemental add-ons.  Everybody loves the pop-up calendar and calculator; but what do they offer that you do not already have on your computer?  Let us examine four types of add-ons that not only offer useful information, but also aid in the reaching of short and long term goals.  They are savings, credit cards, charts, and Christmas.  <br/><br/>Savings- If you are planning to go beyond a stagnant type of life style, then you will have to integrate into your financial picture some type of savings program.  For it is savings over time that allow for the achievement of many short or long term goals (L. T. G. ’s).   This one particular element should be built into your home budget and allow for savings, all from one bank account.  <br/><br/>Credit Cards- Even thou I am not a great advocate of credit cards, they do (if used correctly) allow a family to establish over time, a good credit history.  In addition, in times of calamity, credit cards are a quick avenue of cash! When looking for a budget spreadsheet, look for a home budget that allows for the use and management of a least one credit card.  In addition, your home budget should also give you the ability to swap out any projected budgeted transactions, for a credit card transaction.  <br/><br/>Charts – One of the greatest advancements in computer technology as been the processor speed.  Today it possible to chart just about any information; but that is not the same as saying that all charted information is of value to you, the user.  When considering a budget spreadsheet or home budget software, ask yourself, “Will the charts provide useful information necessary for me in achieving my short and long term goals in life?” “If I stay on budget, will my bank balance fluctuate either up or down?” “Does my projected budget TRUELLY reflect by lifestyle?” These are important questions; and the answers will guide you in choosing the best home budget for you and your family.  <br/><br/>Christmas – At first glance, one might not consider a section that deals with Christmas as being a useful secondary supplemental add-on.  Yet, you might feel differently if you have to deal with items bought and then placed on lay-a-way, the correlation of expected income against actual purchases, and the keeping of a list of who gets what.  A home budget software or budgeting spreadsheets that offer a section that deals with Christmas, can aid to making that time of year stress free.  <br/><br/>So, let us pull it all together! <br/><br/>Putting aside all of the glossy advertising gimmicks, the flashy website “calls to action”, and the animated icons; sooner or later you will have to actually use your home budgeting software.  Understanding role of key elements and the philosophy of budgeting (L. T. G. ’s) will help you in having a successful home budget.  Remember, your budgeting spreadsheet is not so much about the crunching of numbers, as it is about the helping you to bring into reality, the dreams of your life! So, as you face the jungle of home budgeting software, keep in mind the elements necessary to making your dreams come true! <br/><br/>My name is Michael Reichwein and I would like to invite you to come and visit our home budgeting spreadsheet website at http://www. bottomlinebudget. com today.  You will be able to see the solutions that we have implemented in our budgeting spreadsheets that have enabled families from all over the world in making their home budgeting dreams come true! Take the challenge! Come, use our free download, and see if you can start building your dreams today! <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">I am Michael Reichwein, the CEO of Bottomline Budget.  My wife and I have called Pennsylvania, USA our home for more then 30 years to date.  We originally, did not intend in selling our ?family home budget spreadsheets?, as a web based business.  However, as time advanced as it usually does, it became unavoidable.  The funny part was that I did not venture out into the internet looking for software and spreadsheets advocated by other authors in order to gleam as it were, the elements they had gleamed from others.  Instead, my concept was in building the spreadsheets around the needs of our family at that particular time in history; and then placing those derived elements into an easy to use format.  I am sure that if you use them, you find them as useful as my family has over the last Eight years!&#13;<br />
Michael Reichwein (CEO)http://www. bottomlinebudget. com</div>
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		<title>Housing Exchange &#8211; the Ultimate in Budget Travel</title>
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		<pubDate>Sat, 12 Dec 2009 00:21:40 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Exchange]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Ultimate]]></category>

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<p>How would you like to stay in Umbria for two weeks and not have to pay a dime for your accommodations?  That would sure save you money on your vacation, wouldn’t it?  And, let’s say your accommodation was a 4-bedroom, 3-bath stone building which dates back to the 14th century, with a kitchen with all you need to cook fabulous meals?  That would save money on dining out, now, wouldn’t it?  Of course, with the house costing nothing, who needs to save money by eating in?</p>
<p>Where can you find such incredible savings?  It’s called house exchange or house swap.   The recent movie “The Holiday” used the notion of a house swap to help the leading characters find romance.   One woman from England swaps houses with a woman from the United States over the Christmas holiday and they both find romance in their new surroundings.   Will their new romance become permanent and lasting true love?  Who knows, but at least we know they saved money.   And, you can too. </p>
<p>Here’s how it works.  If you decide you want to exchange homes with someone, you sign up with a house exchange company, which can typically cost around $60 to $80 per year, choose which destination you wish to visit and the dates, and see if there are any potential exchange partners who you match with.   If they agree to stay in your house during the time specified, you’re on your way to a vacation in Paris, Florence, San Francisco, or wherever there’s a match.   And the cost?  Just your membership fees to the exchange company.   Your only costs, then, are your airfare, dining out and recreation.   Considering that lodging can run about $150 a night and even higher, you stand to save hundreds to thousands on your vacation.   </p>
<p>House swapping is nothing new, and many of the exchange companies have been in business for decades, with more popping up all the time.   </p>
<p>Aside from the savings, you get the opportunity of living like the locals do.   You get the opportunity to try restaurants that aren’t near the tourist hotels, see places you otherwise might pass up.   </p>
<p>In addition to the benefits you receive in your “new home,” your old home is being looked after by your exchange partners, which means you don’t have to pay anyone to water your plants or check up on your house.   And, if your arrangement with your exchange partner allows for it, your pets will be cared for as well.   </p>
<p>Some things to consider before posting your request with your chosen company include:</p>
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<noscript><a href="http://www.yesads.com">online marketing</a></noscript></div><p>Will you allow for the use of your car?  Many times the exchange partners exchange cars as well. </p>
<p>Do you agree to care for the exchange partner’s pets?</p>
<p>How many people do you allow to stay in your house?</p>
<p>Will you allow children?</p>
<p>Will you allow pets?</p>
<p>One question you may have is – is home exchange safe?  Obviously there are unscrupulous people out there, so you can increase your safety by making sure you keep your valuables locked up.   It’s also a good idea to have your mail held by the post office.   Also, you could choose only those homes which have had prior exchanges.   If someone’s had 10 successful exchanges you should feel pretty secure.   However, if at any time during the process you feel uneasy about the exchange, trust your instincts and stop the process. </p>
<p>House swapping is definitely one option to consider in order to cut down on vacation costs.   Who knows, it may open you up to a new way of travel that you’ll return to year after year after year.  <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Shari Hearn is a writer and creator of Top Vacation Spots, where you can learn about such destinations as Barcelona weekend break. </div>
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		<title>Tips For Vacationing On A Budget</title>
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		<pubDate>Fri, 11 Dec 2009 23:23:11 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Vacationing]]></category>

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<p>Looking for some vacation money saving ideas? There&#8217;s nothing<br />
wrong with vacationing on a budget.  Hey, we all can&#8217;t travel<br />
like the rich and famous.  <br/><br/>You save all year to get the money for a well earned vacation.<br />
You want to stretch your vacation budget but still enjoy<br />
yourself.  Sounds like a good plan.  To help you out I&#8217;ve together<br />
some vacation money saving ideas that I hope you will find<br />
useful.  <br/><br/>If you have a particular destination in mind it pays to plan<br />
ahead.  Research the attractions and facilities.  Find out what<br />
specials or discounts they may have going.  Look for other things<br />
to do or see nearby so that you can make good use of your time<br />
and cut down on the running from place to place.  <br/><br/>Plan your vacation for the off season.  You can usually get<br />
better deals on lots of things like plane tickets, hotels, car<br />
rentals, cruises and lots of other things.  <br/><br/>If you have friends or relatives nearby your destination<br />
consider asking them if you can stay with them.  Don&#8217;t be a<br />
freeloader though.  Even though you help pay for the groceries<br />
and other expenses your host incurs, it&#8217;s still a good vacation<br />
money saving idea.  <br/><br/>If you are flying try to plan your trip for when tickets are<br />
traditionally cheapest.  That would be Feb thru May and September<br />
thru December (except the week before Thanksgiving and the two<br />
week period before Christmas).  Try to avoid flying on Friday<br />
afternoons as this is often the busiest time of the week for<br />
airlines.  <br/><br/>Meals can be expensive at restaurants so you can save some money<br />
by packing food for the road.  <br/><br/>When eating out try to avoid the places that obviously cater to<br />
tourists.  Find out where the locals eat.  Ask around.  The smaller<br />
family owned places usually have better food at better prices.<br />
You may have to go a little out of your way but it is usually<br />
worth it for some vacation money savings.  <br/><br/>Hotels are typically more expensive the closer you get to a<br />
major attraction.  With a little planning you can find a good<br />
balance between price and distance.  <br/><br/>When picking hotels don&#8217;t just go by the ratings.  Compare the<br />
amenities they offer.  Often you will find that you really don&#8217;t<br />
need everything offered by that 4 star hotel and you can do very<br />
nicely at the 3 star. . . with a better price! <br/><br/>Consider buying or renting an RV.  You travel at your own pace.<br />
Cooking and bathrooms are always close by.  You can meet a lot of<br />
other friendly RVers who will usually be glad to point out the<br />
best places to go.  <br/><br/>When traveling by car you can save fuel by renting a smaller<br />
fuel efficient model.  Packing light, reducing your speed and<br />
maintaining proper tire air pressure will also cut the gas costs.  <br/><br/>Make sure that your car is ready for the trip.  Good tires, oil<br />
change, tune-up and all that good stuff.  It&#8217;s a heck of a lot<br />
cheaper and more convenient to deal with these things before you<br />
go rather than on the road somewhere.  <br/><br/>Check out the local transportation system of buses, trains or<br />
trolleys.  These can be considerably cheaper than using taxis.  <br/><br/>Camping is a great vacation money saving idea.  There are lots of<br />
campgrounds around.  They are cheap and you may end up with an<br />
experience that outshines anything you can get a fancy hotel.  <br/><br/>Plan activities that don&#8217;t require a lot of money.  Hiking, and<br />
swimming are good ones.  Local Museums and historical sites are<br />
often very reasonably priced as well as being quite educational<br />
and fun.  The big theme parks have their appeal but you can<br />
really go through the cash at those places.  <br/><br/>Plan picnics.  These can be excellent vacation money saving<br />
opportunities as well as a chance to really relax and enjoy the<br />
local area.  <br/><br/>Avoid buying souvenirs.  It&#8217;s easy to get caught up and blow a<br />
bundle on these overpriced goodies.  Set some mental rules ahead<br />
of time about how much you will spend on souvenirs and it will<br />
be easier to stick to it when the time comes.  <br/><br/>I hope that you find some of these vacation money saving ideas<br />
helpful.  Make a plan and stick to it.  There&#8217;s no reason why you<br />
can&#8217;t have a great vacation without emptying the bank account<br />
 <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">	The author, of this article, Peter Shannon, is the owner of the<br />
website http://www. 1001-vacation-ideas. com.  Here you will find a<br />
large collection of vacation and getaway ideas for travelers<br />
searchable by theme and location. </p>
</div>
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		<title>Party Planning on a Budget &#8211; 18 Great Money Saving Tips For Your Next Celebration</title>
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		<pubDate>Fri, 11 Dec 2009 22:21:29 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Celebration]]></category>
		<category><![CDATA[Great]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Next]]></category>
		<category><![CDATA[Party]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Tips]]></category>

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<p>Do you want to plan a party, but are worried that it will cost too much? You can still have a great celebration without breaking your budget.   Here are 18 top tips to help you save money.  <br/><br/>1.  Borrow music CDs from your library.   Maybe you need dance music to liven up the crowd.  You might want easy listening melodies as a background for conversation or Hawaiian songs for a luau theme party.  Your public library should have it available and ready to lend to you.   <br/><br/>2.  Decorate with balloons.   Balloons are festive and cheap, especially if you fill them with air, instead of helium.   Search online and you will find instructions for making impressive balloon arches, garlands, columns and more.  <br/><br/>3.  Rent a helium tank.   If you prefer helium filled balloons and you need lots of them, it&#8217;s cheaper to rent a tank and fill the balloons yourself.   However, if you&#8217;re only buying a few, you can save money by purchasing them already filled at the dollar store.  <br/><br/>4.  Light lots of candles around the party for instant, inexpensive atmosphere.  <br/><br/>5.  Keep your little, white Christmas lights handy.   String them around the buffet table, doorway, centerpieces, potted plants, just about anywhere to create an elegant look to any party, without spending a lot of cash.  <br/><br/>6.  Buy a reusable ice sculpture mold.   These can cost under $20, are easy to fill, fit in your freezer, and can be used over and over again.   Find them online for a low cost, yet fancy touch to your celebration.  <br/><br/>7.  Forget flower centerpieces.  Yes, they&#8217;re pretty, but expensive.   Instead try tealights floating in a large shallow glass bowl filled with water.   Or you could place framed photos of the guest of honor on the table for a nice tribute.   You can even display party favors as the centerpiece.  <br/><br/>8.  Make your own invitations.   With greeting card software on your computer, your printer and a little creativity, you can save money by doing these yourself.  <br/><br/>9.  Browse online for cheap invitations.  If you&#8217;re not the crafty type, you can find great bargains online for invitations.   Do some searching, and you may be surprised at the deep discounts available.  <br/><br/>10.  Go with photo invitations that feature the guest of honor.  These can even cost less than regular paper invitations, if you hunt around the internet for the right company.  You can also trim the price by choosing a smaller size, like 4 x 6 or 4 x 8 inches.  <br/><br/>11.  Invite less, save more.  Sure, it&#8217;s nice to have a big bash.   But if you&#8217;re watching your wallet, nothing cuts expenses faster than shrinking the guest list.   Think quality over quantity.   It&#8217;s better to have a smaller party, than no party at all.   <br/><br/>12.  Cut costs on party favors.  You can obviously eliminate them if your budget is extremely tight, but if you decide you want to send your guests home with a little thank you gift, you can make them yourself.   One simple idea is to use occasion appropriate gift wrapping paper to wrap Hershey candy bars as a thoughtful giveaway.  <br/><br/>13.  Order cheap favors online.  If you don&#8217;t want to make your own, you don&#8217;t have to resort to the dollar store for favors.  For around the same price you can find inexpensive personalized items, some even with a photo.   You just have to be willing to do a little searching.  <br/><br/>14.  Consider having your party from 2 &#8211; 5 p. m.  on Saturday or Sunday.  No one will expect a big meal during those hours, so you can get away with just serving coffee and cake.  <br/><br/>15.  Invite your guests for just appetizers or dessert.   Your invitation can say something like &#8220;please join us for an open house with hors d&#8217;oeuvres&#8221;.  <br/><br/>16.  Go with a buffet, if you want to have a full dinner for a lot of people.   Include inexpensive, but crowd pleasing pasta dishes and casseroles.   Find recipes you can make ahead and freeze.  <br/><br/>17.  Don&#8217;t be afraid to ask for help.   Make it a potluck and request that guests bring a dish.   If you can, borrow rather than rent chairs, chafing dishes, outside tents, etc.   Enlist a friend to help you serve.  <br/><br/>18.  Be kind to the environment and your budget by using real plates, glasses and silverware.  Of course, disposable paper plates, cups and plastic forks make clean-up easier, but they add to your expense.  Use what you have, wash the dishes and save money.  <br/><br/>Yes, you can have a great party without spending a lot of money.  With a little creativity, time and effort you can cut expenses.  But that&#8217;s not all.  You can leave your guests with the impression you actually splurged.  <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Linda Kling, as the owner of Photo Party Favors, has offered ideas to people planning parties and celebrations since 1992.  Visit her website for cheap unique photo favors and inexpensive photo party invitations plus lots of free make ahead party recipes. </div>
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		<title>How to Buy Fruits and Vegetables on a Budget</title>
		<link>http://www.brushwrites.com/how-to-buy-fruits-and-vegetables-on-a-budget/</link>
		<comments>http://www.brushwrites.com/how-to-buy-fruits-and-vegetables-on-a-budget/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 21:22:21 +0000</pubDate>
		<dc:creator>adderus</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Fruits]]></category>
		<category><![CDATA[Vegetables]]></category>

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<p>Eating fruits and vegetables is one of the best ways to maintain good health.  Fruits and vegetables are an important part of a healthy diet.  They contain vitamins, phytochemicals, and minerals that can protect your body from diseases like diabetes, cancers, and heart diseases.  Ideally, you should consume five kinds of vegetables and two kinds of fruits each day.  <br/><br/>Doctors and health practitioners recommend increasing the fruit and vegetable servings at your table.  But, it sometimes proves difficult on your household budget to purchase increased amounts of vegetables and fruits.  <br/><br/>These tips can help you to fit a variety of vegetables and fruits within your existing household budget with some planning and foresight.  <br/><br/>If you live near a farm, purchase your weekly supply of fruits and vegetables from the farmer.  Alternatively, you can plan your shopping for the end of market day.  <br/><br/>Normally, vendors prefer selling their wares at discounted prices at the end of the market day rather than taking the leftover produce back home.  <br/><br/>Always buy the seasonal produce of fruits and vegetables.  These are comparatively cheaper than out of season produce.  Clementines or tiny tangerines are cheaper during Christmas while pears and apples are cheaper during the fall.  <br/><br/>Some farms offer sale of produce through a program called Community Supported Agriculture (CSA).  Pay the annual fee up-front to become a member of this program.  <br/><br/>You may then receive boxes of the growing produce regularly, such as every week.  <br/><br/>Most grocery stores offer weekly sales.  Try purchasing only the fruits and vegetables available on this sale list to benefit from the discounted prices or through special rebates available on this produce.  You get to enjoy a variety of fruits and vegetables without it being a burden on your budget.  <br/><br/>Another way of saving on grocery budget is to make bulk purchases.  Most wholesalers offer heavy discounts if you purchase fruits and vegetables in bulk.  Go shopping with a neighbor or a friend and split your purchases.  You get to enjoy various fruits and vegetables at much lower prices.  <br/><br/>Frozen fruits and vegetables are sometimes cheaper than fresh vegetables and fruits.  Many are under the wrong impression that frozen fruits and vegetables are low on nutrients.  The nutrient value is claimed to remain much the same in frozen and fresh fruits and vegetables.  <br/><br/>When choosing and buying frozen fruits, it is best to go for store brands.  Most stores run sales most of the time when you may get your stock of vegetables and fruits at nominal costs.  <br/><br/>Sometimes, it may be best to get frozen fruits and vegetables if they are not grown locally and have to be shipped from great distances.  <br/><br/>If you purchase both frozen and fresh produce, make sure that you use your fresh produce earlier than the frozen ones.  Frozen ones will stay good for a much longer period than the fresh fruits and vegetables.  <br/><br/>Another way of saving on your grocery budget is to buy fruits and vegetables and chop it yourself instead of purchasing pre-chopped vegetables.  <br/><br/>Purchase vegetables without any seasonings like salt, butter, or sauces.  It is always best to add all seasonings just before you have your meal, or according to your taste.  <br/><br/>It therefore is not any extra burden use these tips to include more vegetables and fruits in your diet.  <br/><br/>Just plan carefully and make your purchases accordingly to get the best out of every dollar you spend on your fruits and vegetables.  <br/><br/>To find out more fabulous information about how to incorporate a healthy lifestyle with more fruits and vegetables order your copy of Fabulous Fruit and Vegetables today.  <br/><br/></p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">Georgina Cundall&#13;<br />
Georgina Cundall started to learn about the benefits of adding more fruit and vegetables to her diet when she had some minor health problems. &#13;<br />
You can get the ebook from http://www. fabfruitveg. ebooks-excel. com/&#13;<br />
She was also starting to worry about how she could give her young children a healthier range of foods on a very limited budget. &#13;<br />
An additional problem was finding things which the children would actually choose when she wasn?t around to supervise. &#13;<br />
She discussed this with friends and found her concerns were widely shared, so she decided to put what she found into this book so that other people, especially women with a job and a young family, could benefit from her tips. &#13;<br />
Georgina tried many things over the last couple of years and believes that almost everyone will find value in her suggestions in this book, whatever their situation. </div>
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