Wednesday, August 25, 2010

personal finance blog


Would you like to have these great bargains delivered right to your inbox? Join over 57,000 fellow deal seekers and subscribe to Deal Seeking Mom. Also become a fan of Deal Seeking Mom on Facebook for more conversation, additional deals and a peek at the freebies I receive in the mail. Thanks for visiting!



Freebie Friday is provided by Wendi, who blogs at TheFreebieBlogger, where she finds you 100% free items each and every day.



  • Logical Nutrition is offering a FREE Revitalize Health Supplement sample. Just put "sample request" and you mailing address in the "How Can We Help?" box.



  • Request a FREE Pregnancy Planner that helps prepare you for each trimester and for when baby comes home. It includes a 10-month calendar section to record checkups and other notes.



  • Sign up to receive two FREE Wysong Epigen Cat or Dog Food Samples. You can choose from chicken, fish or venison.



  • Walmart is offering a FREE two-day Prevacid 24HR sample for the treatment of heartburn to those who qualify.



  • Those with children can sign up with Publix Preschool Pals to receive freebies, coupons and more. This offer is available to select states.



  • Mercury Magazines is offering a FREE Forbes Investors’ Guide to those who qualify. This guide offers tips on investing and financial planning during volatile times.



  • Kids ages 8 to 18 years old can get a FREE Young Eagles Flight and become one of over a million Young Eagles. Be sure to find a volunteer in your area.



  • Sun Laboratories is offering a FREE self-tanning product samples. They do not mention which product you will receive.



  • If you love Taylor Swift, you can download three of her songs for FREE: Love Story, Fifteen and You’re Not Sorry.



  • Stand Up For The Troops is offering a FREE comedy CD download to those with a valid military ID number. Comics include Adam Sandler, Chris Rock, Jeff Foxworthy and Kevin James.



  • PracticalMoneySkills.com offers many FREE materials including a Practical Money Skills CD ROM, Financial Soccer & Financial Football CD Roms (to teach students personal finance skills) and more.



  • Astroglide is offering a FREE Natural Personal Lubricant sample for a limited time.


See the previous freebie roundups for more free sample offers that are still available!


As always, make sure you’re protecting your personal information when you’re signing up for freebies.


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Every Friday I’ll start a new post with a Mr. Linky for you all to share your fabulous freebie finds with Deal Seeking Mom readers! If you have a freebie you’d like to list, just leave your link below.


To keep it neat, I suggest that you list your blog name and then the freebie you've found in parentheses, ex. Deal Seeking Mom (Free Toilet Paper Sample). The only requirement is that you link directly to your post on the freebie. Links directly to your homepage will be deleted.






Redefine the Latte Factor for More Successful Money Saving





The "Latte Factor" is a popular money-saving strategy that entails saving large amounts of money by cutting down on small things—like daily lattes. Personal finance blog The Simple Dollar explains why this strategy can fail and how to rethink it.

Photo by Scott Feldstein.


There's no doubt that saving $5 a day adds up in the long run. However, a lot of people don't put this strategy into practice, for the simple reason that they like their metaphorical lattes:



The problem is what you're giving up. The "latte factor" of course refers to coffee – something that's inessential to basic life, something that's purely a treat. Yet, for some people, a latte a few times a week is a significant part of their emotional happiness. They rely on that sweet flavor and that little caffeine boost and it fuels them throughout a challenging day.


The trick is figuring out which of those little thing really does brighten your life – and which of those things don't. What you'll find is that when you really dig into this question, you begin to find that surprisingly few things really make you significantly happy (beyond the initial burst of pleasure at acquiring something). An awful lot of things we buy are part of a routine or done to make others happy or done because we've believed that it'll make us happy when it really doesn't.



Whether or not you agree that your latte has a large effect on your happiness, it can apply to anything you may be sad about cutting. Instead, try what The Simple Dollar dubs the Laundry Detergent factor: instead of cutting down on your stress-relieving treats, cut back on something less integral, like laundry detergent. After all, we already know less detergent washes as well, and you can even make your own to save more.


Again, this doesn't mean you have to scrimp on laundry detergent; it's more of a metaphor—cut back on the things less important to your day-to-day happiness and you'll probably be more successful at saving money. Hit the link to read more, and share your frugality success (and failure) stories in the comments.



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