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Frugality and freebies gain appeal

Stories with tips on how to survive this economic downtown are a dime a dozen. You can get many helpful hints daily in an almost-daily basis on Page 2 of The Eagle’s print edition and at Kansas.com in our News2Use section.

Today’s story: Frugality, freebies have appeal in down economy

Six smart ways to spend your tax refund

piggybank1Wednesday is the deadline to file your state and federal tax returns (unless, of course, you file for an extension).

If you’re still awaiting a tax refund, you might want to consider these helpful suggestions on what to do with it.

In a nutshell, here’s the six suggestions:

  • Save for a rainy day
  • Pay off debt
  • Put away for your retirement
  • Save for college
  • Gain some job skills (resume-writing, etc.)
  • After you’ve been responsible, spend some on yourself, such as travel, etc.)

By the way, if you’re still working on your taxes – or haven’t started at all – Eagle reporter Deb Gruver tells you where to get free help.

5 biggest retail ripoffs

CBS’ “The Early Show” continues to have helpful hints on areas you could cut costs in your budget. A report this morning points out five “retail ripoffs” you might want to keep in mind. The offending products:

  • Movie popcorn
  • Wine in restaurants
  • Prescription drugs
  • Coffee
  • Precut fruits and vegetables

The story offers alternatives to the highly marked-up products.

Watch the video report:

Even more ways to save money

savemoneyWe’re all about passing on tips on how to squeeze more out of your budget. Today’s Eagle has another 25 ways for you to start stretching your funds.

A sampling of the ideas:

  • Switch auto insurers, or ask your insurer to give you a better rate.
  • Call your credit card issuers and ask for a better rate — or to have that late fee removed. Credit card companies usually allow two courtesy removals of late fees (which can top $40) if you call right away and ask forgiveness. Ask for a better interest rate too — you don’t have to drive a hard bargain to do this. They don’t want to see you taking your business elsewhere.
  • Drive less aggressively. Taking it easy on accelerating and braking is the single most effective way to save on gas, according to the car-buying Web site Edmunds.com — an average of 31 percent savings, according to its tests.
  • Go to freeshipping.org and get promotion codes for free shipping from 800 retailers.
  • Get a cheaper Netflix plan.

Share your ideas on cutting expenses below.

Coupon clipping – high-tech style

The CBS Early Show had a useful report this morning taking a look at a high-tech twist to a longtime way of helping cut costs: coupon clipping.

View the video:

The report included links to some handy sites:

Surviving – even thriving – after a job loss

fired2News on the jobs front is getting gloomier, both locally and nationally. Just today:

Wichita is used to the ups and downs of the jobs cycle, certainly. But that doesn’t make it any easier emotionally. So what do you do IF or, for more and more people, WHEN you lose your job? A story in today’s Wichita Eagle has some excellent, upbeat ways for you to survive – even thrive – if you lose your job.

Dishes fit for a depression

I fondly recall listening as a kid as my grandmother, my mom and my aunts recounted how they completely cleaned their plates and picked every last piece of meat off those chicken bones. They had to. It was tough living during the Great Depression in rural Iowa.

ClaraSo I perked up when a colleague pointed out there’s a 90-some-year-old lady hawking her Great Depression cooking as a way to get through this, erm, economic downturn. Clara Cannucciari, a great-grandmother from upstate New York, has a YouTube channel, a Facebook page (search for (Clara Cannucciari) a Web site, of course, and apparently a good publicist. She’s promoting a DVD on her site. But she shares many on YouTube.

Watch a video as she prepares Pasta With Peas:

Live well, but on less

toothpasteTimes are tough, but there are ways you can still live the life somewhat close to what you’re used to. By adjusting your daily habits and buying patterns – even your accessorizing – you can still *look and feel* like you’re living like you used to.

That’s the theme of a feature in Real Simple magazine (click to visit its newly redesigned Web site), which was on CBS Morning News (click to watch the video) today.

Some of the tips:

  • Use the same shampoo and other bathroom products you always have, but save money by using less. A dime-size dollop of shampoo. Covering just the bristles of your brush with toothpaste.
  • Instead of buying a lot of new clothes, use jewelry to accent old stuff.
  • Download movies from iTunes for $3, or visit a Red Box kiosk (we have them here…) to get $1-a-night videos.
  • Carpool. eRideShare.com has an extensive listing of Kansas carpoolers.
  • Freeze your gym membership and work out at home. Use water bottles instead of weights.

By the way, Real Simple and CNN are taking a survey on how the flagging economy has affected Americans.

Here’s a digest of money tips from Real Simple.

Got any cost-cutting tips? Share away.

Could a prepaid cell phone be right for you?

cellphone1A recent story says prepaid phones, which provide a set number of minutes, are becoming a more appealing financial option as careful household budgeting becomes paramount in a tight economy.

According to the story, Consumer Reports says that a family with two cell phones that talks 700 minutes per month could save $100 to $220 a year buying per-minute packs from Virgin Mobile (which is available in Wichita) as opposed to large carriers’ contract family plans. And for really incessant talkers, Virgin’s $80 prepaid unlimited plan will save them $240 a year compared with unlimited contract plans from the major carriers.

Fun, free things to do at home

dictionary3Eagle columnist Suzanne Tobias has assembled a great list of things you and your family can do for free at home.

Some of the suggestions:

  • Make milk shakes.
  • Make shadow puppets. We found instructions online for making a dog, swan and bunny.
  • Learn to juggle. Or at least try.
  • Get out the dictionary and have a family spelling bee.
  • Prank-call the grandparents, using disguised, funny voices. (But ‘fess up — eventually.)

We’re pretty sure you can think of more. Tell us below.