Jill Owens

I'm a lot like you –I try hard every day to make a little extra to live the life I want to live and do more of the things I really want to do.

Jul 112012
 

Always refuse the  offer of an extended warranty.

Numerous studies prove that over a lifetime you will never break even and always lose by taking an extended warranty.

They offer in the hope that you will say yes. For the retailer, it’s money for nothing.

Jul 112012
 

But a shave stick. Cheaper, better.

Electric razors over time cost more than blades.

Creams are costly and don’t work as well as a cheap shave stick.

You can always lather up ordinary soap too. Adding sugar will help the lathering.

Incidentally, electric shaving costs more than blades over time.

Jul 112012
 

This hint is absolutely guaranteed to save you money. Lots over a lifetime.

NEVER lend money to anyone. Just don’t do it.

Almost everyone I know, including myself , has lent money at some time and lost the friend – or even family member (!) by doing this one very silly thing. And you know, something? No-one likes you more for lending to them. So strange…

Now, of course, give money away if you can afford to, and want to, but…

…just DON’T lend.

Jul 112012
 

It works. Changes your life. Keeps you healthy, slim, free of disease.

Three times a day before or with meals.

Saves you money in the long run because bad health is expensive.

Make sure the bottle says the magic words “with the mother” (it’s a reference to the best part of the apple).

Jul 112012
 

Before you buy anything, check if you can get it cheaper somewhere else. Avoid impulse buying until you have found the CHEAPEST PRICE (but so few people do!). Remember, let some other idiot buy it where you saw it first.

And ALWAYS ask if you can get it at a discount price. Be happy to smile and walk out the door with a passing shot:

“Are you sure you can’t sell it cheaper than that? Cash?”

Make it your new personality.

http://au.pricedumper.com

http://getprice.com.au

http://myshopping.com.au

http://www.cheaperoz.com

http://www.choice.com.au/

…are good ways to research in Australia.

Jul 112012
 

Have only one credit card – one with no annual fee – and…

NEVER EVER EVER pay interest on it.

That is, always – yes ALWAYS – pay off the debt before interest kicks in.

If you can’t afford something, do without.

The banks are banking on you not being able to do it.

Prove them wrong.