Learn How to Save Money Get Free Food, Free Gas, Freebies and Coupons with Jaci Rae The Money Saving Expert
Free Recipes, Find Bargains, Freebies, Save Money with Coupons, Grocery Coupons, Free Samples
Freebies and Free Meals of the Day Check your the location near you to make sure they do have these items for free:
Free Bare Minerals at their website. Free Foundation / Mini-buki Brush 3 samples per order.
Food is the second highest expenditure in most peoples lives, yet they don't pay attention to it. Pay yourself by using the information inside of 5 Meals for $5. This cook book is not only filled with delicious and plentiful recipes, it is filled with the information on how you can get the same prices and even lower prices than the recipes listed inside this book.
Jaci Rae gives you step-by-step instructions on how to combine coupons and where to get thebest deals (make sure to utilize the free grocery store checker on pennymeals.com She also tells you which stores have double and triple coupon days and when those days occur as well as when the fresh produce, meat and dairy is delivered at each store.
In addition, Jaci Rae tells you (in the articles section of this website) how you can get paid to go to the grocery store with free gas and free groceries. No tricks, no scams, Jaci has done this herself.
Go to the "Because seeing is believing page" to see just one of the many paychecks Jaci has received from Mystery Shopping and Quality Assurance (simply filling out a report and getting paid for gas and food).
But if you don't want to go that route, Jaci teaches you how to obtain the prices in the book for each recipe inside 5 Meals for $5. The book also has a prices and measures chart, how to have a free date night, with a lists of hundreds of ideas, as well as a measurement conversion chart and a lot more on top of the hundreds of delicious and healthy recipes listed.
You don't need to live on Spam with the delicious recipes Jaci has inside her book. See the Free Recipe Box for a few of the recipes Jaci lists inside 5 Meals for $5.
If that weren't enough, Jaci Rae has also given you gives you a step-by-step process on how to get out of debt with "The Plan."
She devoted an entire chapter to free and fun things to do for date night and listed when stores across the US receive fresh goods as their sale dates plus a lot more! (Check the table of contents on the left sidebar for more information)
You don't need to change what you eat, just the way you shop! It's not all about coupons, it's about planning so you can save a lot of money!
And if you think you might starve because of the portions, think again! Many of the recipes have fed more than nine people with leftovers.
With the recipes and the information inside 5 Meals for $5, a family of five can upwards of $5,000 or more a year (three meals a day plus snacks) if they follow Jaci Rae's menu plans and information in the book. At the end of the year, save that money, pay off a debt or go on vacation and pay yourself!
If you're single, freeze the leftovers and save or cut down the recipes and eat a fresh meal every day! Go buddy shopping if you're single (something Jaci Rae will teach you here).
Jaci Rae is a passionate and successful entrepreneur. Raised in abject poverty, she rose from the ashes like the Phoenix to conquer the world and our hearts. Jaci passion and boundless energy are infectious and are the driving force behind her companies and product lines.
From unique money-saving ideas, articles and books to her fabulous sports line and food products, the Jaci Rae line has achieved national and international notability. Jaci and her products have been featured in E!, First Magazine, The Chicago Sun-Times, The Washington Post and more. Jaci has a degree in Psychology and is working towards her final goal of a Ph.D. Jaci Rae
It’s no secret that the economy has taken large hits in nearly every sector of commerce, which ultimately leads to higher prices for consumers. The loss of jobs and the loss of pay have affected everyone.
The U.S. Bureau of Economic Analysis has reported that personal savings rates are at the lowest levels since the Great Depression and disposable incomes seem to have become a thing of the past.
If that weren’t enough, many American’s are being forced to live off accumulated debt, resorting to the use of credit cards to meet their basic living needs.
If your credit card and personal debt has become larger than your monthly mortgage or rent payment, it’s time to take stock in the bottom line.
What can you do to safeguard yourself and your family from recession and keep the collection dogs at bay? By following a few simple steps, you can help increase your savings, help decrease your debt load and help decrease your overall stress.
Take stock in yourself. How can you do that? Look at your bottom line. Take a piece of paper out (forgo the computer for now) and draw a line down the middle (this is a rough form of a general ledger). Write “Expenditures” on top of the left column and write “Income” on the top of the right side column.
Now it’s time to take stock of all of your money and I mean every single penny that goes out of your wallet and bank account or onto your credit cards even if it’s for a candy bar.
In order to do this, you will need to save all receipts, big or small for an entire month. Then tally up the receipts by categories, e.g. food, gas, fun, etc. Put the category tallies on to the left side of the sheet of paper.
In addition to accounting for money that is going out, you also need to account for every penny that comes into your bank account or wallet.
On the right side of the sheet of paper put every penny that came into your pocket, bank account or was thrown on the counter in the form of change for that month. To make sure you have an exact total, try to keep track of your expenses and income weekly.
After one month, you will have a basic idea of where your money goes and you will have a better look at the bigger picture. Add up the two columns separately. If the left side of the paper (expenditures) equals more than 90% of the right side of the paper (income), your bottom line is dropping at an exponential rate. If you are saving at least 10% of your income, pay off your debt and bank the rest. If you aren’t, you need to make small changes. Small change can equal to $$ literally!
Now that you have the general scope of exactly what comes in and goes out of your bank account concerning your money, you can begin to make small changes. You need to ask yourself:
How much money do you spend on items that are unnecessary? (You will find that information on the expenditure side of your general ledger.)
What can you cut back on to help raise your bottom line and increase the value of your personal stock?
What can you cut out entirely to help pay off outstanding debt and start banking those pennies, nickels and dimes? (Remember, small change = $$.)
Here are a few ideas to help you begin to shave off spending and begin paying off your debt and banking the rest of your money:
Drink coffee from your own brewery and not at your favorite java house. If you miss the social time you had at your favorite coffee joint, why not start your own coffee club? Have each person hosts the coffee club at their residence on different days. Everyone must bring his or her own cup of java and any snacks; this is just social time, not a time when everyone pays for everyone else.
The savings from avoiding the extra coffee fees when you buy at your favorite coffee hut? .95 x 3 days x 52 weeks = 0.20. If you are a java hut addict and you purchase your coffee at a coffee shop 5 days a week, your savings will be 7.00. Think about what you could do with 7.00!
Stop entertaining yourself with expensive items such as movie tickets and fees into your favorite dance jive and cut the extra cable or satellite fees out. Those extra expenditures add up to quite a bit of money in the end. Going to just one movie a month for two people adds up to x 12 = 0. Going out dancing once a month adds up too x 12 = 0. Satellite TV adds up too .95 x 12 = 9.76. Add all of these expenditures together and the savings is 9.76!
Instead, create your own movie night and have friends and family over. Utilize the movies that everyone already has. You will be amazed to find out how many current movies people have stashed away on DVD that you have never seen. Alternatively, join your local library and utilize their free DVD check out system. Most libraries have the most current DVD’s on file and you can check them out for seven days without any cost out of your pocket!
Make your own dancing disco in your own residence. You can also check out your favorite music without cost at the library! Invite friends and family over (everyone brings their own beverage and snack) and have fun!
These are just a few ides to help you cut out extra spending, decrease your debt load and increase your savings account.
Jaci is an award winning singer and music industry expert. Find out how to market your music and make money!: TheIndieGuide.com
Jaci Rae's sports and golf line featuring the precious gems collection! LucoSport.com
In a relationship rut? Jaci Rae has come to rescue your relationship. A noted, relationship and dating expert, Jaci's advice can help you go from relationship road kill to the relationship rescued. Jaci is currently working towards her Master's / PhD in Psychology and Math.. WinningRomance.com
Do you need help coming up with a down payment on a new home? Did you know most states have a program directly from the government that grants money to first time home buyers?
