Weigh Prepackaged Fruits & Veggies

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When you are purchasing prepackaged fruits and veggies, weigh them to be sure that you are getting the most for your money.  Often when all the packages are priced for one pound or one quart, the actual quantity differs.

Avoid Mixing Household Chemicals

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Avoid mixing household chemicals, especially ammonia and bleach.  An unsafe gas could cause you or the person mixing the products together to become ill.

Chemical Storage and Disposal

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Always store chemicals in a safe place, out of the reach of children and dispose of them properly if not using that product.  Contact your city to find out if they have a special disposal program. Pouring them into our drinking water system is not safe for anyone.

Self Reflection of How You Spend Your Money

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Have you ever done a self reflection of how you spend your money?  Keep a financial journal this year by answering this question a few times a week, “what financial/money spending choices are you proud of this day?”

Comparison Shopping

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Always comparison shop for big items such as:  major appliances, furniture, cars, lawnmowers and home renovations.  Ask questions to be sure you are comparing the same features, warranties, delivery, set up costs, etc.  Always ask questions for clarity.

Disability Insurance

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Is your income essential for the health and security of your family?  If so, consider that you are two to five times more likely to become disabled than to die during your peak working years from 32 to 55.  Getting disability insurance might be a good investment for your family.

Post Holiday Chocolates

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Post holiday chocolates are typically drastically discounted.  Chocolates don’t go ‘bad’, they may turn white, so this is an opportunity to buy them for when you entertaining or to give them for future gifts, remove them from their holiday packaging. (HINT: chocoholics, don’t  try this at home!  Keeping extra chocolate around may be a hazard)

Take the elevator…

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Instead of taking the escalator in the department store, take the elevator, stores display items by the escalator to tempt shoppers to go to other departments or spend more money.

Understanding Investing

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Have an interest in investing in stocks and feel that it is too complicated to understand?  Always consult with your financial planner, however, it’s generally recommended that you begin investing by looking at companies whose products you use or are familiar with.  Then do research.  It could prove to be easier and more fun if you have an interest or have a familiarity with the company and its services or products.

Grocery Shopping Tips

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Do you find yourself running to the grocery store in the middle of the week because you have forgotten something?  Choose a day or evening to do your meal planning, locate the needed items in your pantry or refrigerator/freezer, make your list and choose one day a week to go grocery shopping.  It will save time and money, because there are fewer opportunities for impulse buying.