Sunday, December 28, 2008

Credit Card Rewards

Okay this tip is not for the weak at heart. I have credit cards. I use credit cards. I pay off my credit cards. I have no problem with using credit cards and therefore I will seek out deals with credit cards. However, if you are someone who sees a low credit card balance and thinks it’s disposable income you need to not read any further.

I would rather use my credit card to buy gas, groceries and other day to day expenses instead of keeping cash on hand or using my debit card. Then when the bill comes in, I pay it off so I don’t accure interest. Since, I’m paying it off, I searched for a card that offers awards rewards that I want instead of a low interest credit card. Check out Index Credit Cards a site that keeps updated information on all credit card offers . Decide if you want cash back, points, miles or all of the above and find the card for you.

I use a card that gets me free miles. I keep track of my balance online and when it reaches a certain amount I stop using it. I have it set up to email me just before payment is due to remind me to go online and pay it by wiring money from my checking account to my credit card. Is that easy. And you can have extra cash in your pocket or you can horde the points for that HDTV you want.

Again who knows why you pick the cards you do.

Monday, December 1, 2008

Spring Cleaning

Ok, maybe it's Fall Cleaning but still. I was looking in the usual spot for cleaners and I found them. A gaggle under the kitchen sink. A gross in the bathroom closet. All filled with chemicals and all costing $4 - $8 on bottle. Talk about an expensive waste of space.

Meet Vinegar. Vinegar is your friend. I'm sure you might have heard about the power of Vinegar. Do you doubt it's potency? Well I'm here to tell you, don't doubt. Run, do not walk to the stores throw down your $1.00 for a 32 oz bottle of white distilled vinegar and with the money you saved buy a spray bottle or two.

As a Window cleaner, use 1 part vinegar to 3 parts water. Keep a spray bottle of this around.

For an all purpose cleaner use equal amounts of vinegar and water. This is perfect for counter tops, surfaces and as an every day cleaner. There goes your second spray bottle.

Just remember the stronger or harder the stain the stronger ratio of white vinegar you want to use. Poor it directly into the toilet to get rid of rings. Or add 1/2 cup to your laundry as a fabric softener. Possibilities seem endless don't they? Check out Vinegar Tips for a growing list of uses and stop throwing your money away on chemical laden wallet, emptying cleaning supplies.

Who keeps cleaning supplies out in the open anyways.