I want to help the middle class families save money and build a better future.
Aftersuffering my own hardships, and turned to credit counselors, that tired to charge me more then I was paying on my credit cards currently.
This forced me to think of a better solution, So I developed a saving system that can save the average family hundreds per month! And the best part, the basic program is 100% Free!!!
Why are we paying so much for the Internet?
I started the Columbus Financial Coach back in in late 2011 and saw the future of the media players. Back when it was Roku, Tivo, and a few other media player devices. Today the media players will replace the cable company hold in our society. Right now we have the Amazon fire stick, Android devices, Google chromecast, and Roku are king of alternative entertainment and cable TV is a dying breed.
So, what does the cable company do to save it own hide? The cable industry starts to overcharge us the consumer for the internet access to otherwise cheap media. So what can consumers do to fight back? I feel a fair price for internet would be $40 to $60 per month, but these cable companies are charging people as high as $100 per month. I am not talking about the cheap introductory specials. What can we do? What can we do is share your access with you're neighbors or community. Have an internet co-op program and pay a smaller monthly fee. Let' face it you need a 1 a gigabyte per second (1000 Mbps) access with the new Docsis 3.1 modems, then you will have to pay for access. But, I am sure like most of us that a 30 Mbps speed is more than enough for you and your family.
Often without buying special equipment, pick up your neighbor's WIFI signal. And if you need to buy a special equipment. They have long range routers that that can broadcast more channels so you can have more users on at the same time. The long range routers and external high gain antennas for routers that can increase your range. Even can buy a long range USB WIFI adapter with a high gain antenna attached. Another solution would be using a WIFI extender that acts like a repeater that picks up the signal rebroadcasts WIFI signal. The Internet is the gateway to the web, entertainment, and telephone services, so don't be taken advantage by the cable company. If the cable company wants to overcharge you go and out think the cable company.
Alternatives to Phone Service using VIOP (Internet Phone)
Magic Jack GO
I have used the Magic Jack, to make sales calls when I was working with Primerica. It works, not as good as a regular landline, but just as good as the internet phone that came from my cable company. Starting at $35.99 for the device and a year of service Magic jacks’ have unlimited calling to US and Canada, call display, call forwarding, free voice mail, free phone number, and E911.
If you want get rid of your telephone carrier but need all the bells and whiles, there is a higher end of a internet phone that you can buy the equipment alone starting at 99.99, but the monthly fee is good at $3.99 per month, you can port your current number to their system try Ooma.
We should not forget about Vantage, which get the same basic features as your phone company at $9.99 for first 612 months and plus fees & taxeshttp://vonage-promotions.com.
Android Smart phones & Cell Phones at value price
After searching for some good deals on wireless cellular phone, I become flabbergasted how cheap and even free that cell service has become! I am part of the old school that still remember when cell phones came in a bag and or it was a brick, and were sold at the local Radio Shake. Prices where unenviable high over $1000 for the phone and over $5.00 per minute. Today, late 2017 we can get free phone service and even yearly contract for less then some other carriers charge for 1 month of use. One of these company is known as FreedomPop with 1 GB data, unlimited phone and Text for $79.99 and even a free service for basic 200, 500 MB of data 200 minutes 500 texts for free!!! And a $24.99 2GB Unlimited minutes, talk and text. I even give you the websites that I found this incurable deal on.
The best places are Newegg, TigerDirect, & MicroCenter, also check out BestBuys, don't forget the manufactures of the computers as well as Staples or Office Depot/Office Max.
Fine Dinning or the Local Fast Food Places
Here is some great way to offset the cost of eating out with friends and family. In our society, it is more about being social and having a great time doing it.
Entertainment book cost about $35 at the being of the season but will drop dramatically as the session goes on. This book can save you hundreds in any year from restaurants to choose stores to auto care. www.entertainment.com
Restaurant & Other Entertainment Offers
There is a family of discounts that will be emailed to you and you can choose to purchase they usually are 30% -60% off retail. Singed and save www.livingsocial.com, www.groupon.com
Great ways to save on auto care
The best way to save on auto care is to make sure your maintenance your car or truck. I know there are different views, what type of oil to use and how many miles to change it. It always safest to follow the recommendation of the auto manufacture and common sense. I personal used fuel injector cleaner after every oil change and used an additive in the oil
as well with conventional oil. I personal use Lucas oil, http://www.bylucasoil.com. I use a cotton reusable air filter. That will increase the air flow and save gas because the car or truck does not need to rev as high to reach the needed speed. One popular brand is K&N these type of products improved my fuel efficiency and performance. http://www.knfilters.com
Another great way to save is if you can find a service shop that will let you buy your own parts. Some big chains will not let you do it. The advantage is you know what parts are being installed in your car or truck. And you can shop for around for the best prices. I personalty saved over $370 purchasing parts for my car parts over www.ebay.com and www.amazon.com.
Always compare prices with the major auto part stores and online retailers.
Cheap Car Insurance & Cheap Insurance
I personal saved $820.00 per year on shopping around on Auto and Homeowners Insurance. The best ways to shop online and find an agent that represents multiple companies.
Great place to purchase the Insurance:
Save up to 20% off Utility Bills
Do you know that you can save additional savings off your utility's like electrical & gas?
Great place to purchase discounted Utility:
Are you paying too much for your cell phone? Check out this solution
Simple Money Management Tips: The power to get more with less and save for tomorrow
I'm a master in thrifty living and how to use less money to buy more things. I will show you the secrets that I have learned in saving money management. My education has started when I was a young boy when my own mother was spending most weekends on Saturdays mornings and some afternoons looking at the bargain ranks for the best deals at the local shopping mall department stores. You know that even today there is much money can be saved by checking the liquidation ranks at the department’s stores every few weeks. I know who has time for that in this day of age? But there are a number of great discount stores that make it really to save without all the work. They are Marshals, where I did most of my Christmas shopping. Other stores included TJ Max, Shoppers World, and major department stores outlet centers. My mom has saved thousands of dollar in her lifetime. How much can you save with these money management tips?
You know the same type of savings can be done on food and other household items? For groceries, I personally shop at Aldi and Save-A-Lots are great places to check out. Another little money saving tip I have picked up is buying as much of food shopping at Aldi, then head over to Krogers or Giant Eagle, for the fuel points saving. I am saving most months $35 off my fuel costs. Also, Big lots and Olies Army have great deals on canned food, and dry goods too. Don't forget the decor items, some massive saving on that as well. I saw a Simmons Sofa at Big lots for $350 that is crazy cheap! Can you see why I can get so happy in ways the average person, can save cold hard cash!
Why are you paying to listen to music and movies you can get custom stations on Pandora.com, Ihart radio, or borrow the music cd at your local library for free? Did you know that there some great services out there such as Netflix and Hulu, where you can get great TV programs, and movies, downloaded to your computer or to a media player that can be viewed on your TV? You’re getting access to 10,000 of titles for less than $10 per month. And yes your library lends out movies too. Myth: You have to pay more for healthy foods?
Healthy foods can be purchased in the form of whole natural foods. I can easily make healthily hearty meals rather inexpensive if I am willing to be creative and willing to cook and prepare my own the food. I know it is easy to fall into the traps of eating processed foods in form of just open the box and heat! It does take a little more time and efforts. But it is worth the effort to know you’re feeding your family something good and healthy. The longer-term results of feeding your family processed food are overweight, negative health effects, and loss potential. The cost of short term and long term effects are too high.
An easy way to reduce the expensive by 50% off restaurant food is to only eat half and bring the rest home, for another meal. I learned a trick from a local radio station on WNCI was to eat an apple before you go out to eat. The high fiber in the apple will fill you up and make you less hungry. Don't forget about coupons and the entertainment book.
Ways to save big with open boxes, refurbished, dent & scratched
Are you paying the premium to have a brand new box and 5 seconds after you open it drops 20% what is the logic in that? Just because you want to feel all warm and fuzzy that you are the first person that used the item? If you are open-minded enough to think that you can be saving same major bucks buying open box, refurbished, dent & scratched items.
Some great deals buying refurbished computer and electronics. What are open boxes, refurbished, dent & scratched anyways? Open box means that someone returned it to the store. refurbished means it could have been an open box, they tend to be items that have returned for warranty and repaired, or off lease from a company. They are cleaned, fully tested, and if they have an issue are repaired. Well, now dent & scratched items tend to be appliances like ranges, refrigerators, dishwashers, washer & dryers and even stuff like hot water tanks. So does it really matter if there is a small scratch or dent on the side of your new washer and dryer that you going to place in the basement or hide in a closet? Why do you need to pay extra for something that no one will see or even care about?
If you buy a refurbished laptop I would buy the 2-year warranty. That way you can keep replacing it. The only thing you're paying for it the new warranty each time you get a buyout. Laptop life is about 3-5 years, and if the notebook was used for about 2-3 years the life spend of a laptop will not last the whole 2 years in most cases. This way you keep getting a new laptop every 1.5 years. I know from experience that refurbished laptops have lasted less than 2 years. I had very good luck with new and refurbished desktops lasting about 7 years (that is also about the time you want to toss it out of the window because it becomes way too slow! That is even if they are working fine).
The same goes for tablets, TV, electronic appliances, there is nothing wrong with these used units as long as it is cost-effective to buy the extra protection plan. Most refurbished units only have a 90-day warranty which is way too short, in my option. You can also buy the low-cost electronic item and buy a protection plan for it, that way if it dies after the warranty you get a new model. I was at the Best Buy and the representative never thought about that angle before.
Buying Great Stuff Cheap The eBay & Amazon Way
The explosion of online shopping and the 2 great shopping portals eBay and Amazon to help you find what you want fast & easy without looking at multiple sites. It is also a great way to find great deals on things you need. I am an avid eBay Shopper, I have purchased great deals of jewelry, computers, Car Parts (brakes/routers, O2 sensors, car radios, etc). I always will cross-reference Amazon and eBay to make sure I can't find the same item on the other site for less. I have found a few times some better deals on Amazon than on eBay. I found that Amazon is the far better selection and pricing on Books, then eBay. I find I can save a lot of money shopping this way.
I have purchased entry-level gaming computer custom built for $350, six-core processor and 8 GB of ram, 1Tg hard drive at 7200 rpm, with dedicated graphics card and windows included. Car radios for $10, brake pads and routers for $80.
Winning eBay Bids and Saving Big The Win-Win Way With eBay
I found a very simple way to save money with eBay, out think the other person! I am giving away my little ebay secret, in turn, to gain more clients for my Columbus Financial Coach & Success Coach. Where someone needs out of the box strategist! Like everyone should know ebay is a great place to get great things you want Cheap, if not you should know this now.
Most people go around just placing a bid and hope they can win, this behavior will cause a bidding war. Not good for you, if you are bidding against a Genghis Khan, you know the personality type that needs to win at all cost. He or you will end up paying more then the thing is worth! Go in there with a strategy, make a decision on how much are you willing to pay for the item and be a still be a good deal.
If you have the time and can sit for the bid clock to count down to last 15 – 10 seconds are golden. You will place the largest bid, and use the automatic bid up feature to max your bid! Most people will not have enough time to respond and can't bid up the price. In case they had an automatic bid set up you still have a strong chance of winning this bid and getting the lowest possible price.Ok, I know what happens if you have a life? This will not work? Wrong! The same strategy will apply with just a slight modification at the last possible second before you leave for the day before you go to bed, or on your lunch or during breaks make your bid!
I hope you will know you will lose some bids, it just was not meant to be and please move on! A true winner does not pay retail, let the others pay retail and you will find the diamonds in the rough on eBay.
Great Place to purchase clothing items, household goods, Grocery item & Gas Savings
I personally shop at Marshals and TJ Maxx for low prices causal cloths great brands for a fraction of the retail price. I found that Marshals seems to little be less expensive than TJ Maxx, they're owned by the same company.
Stores such as Big lots, Oliles, and Marshals and TJ Maxx are great places to purchase bedding items and household decorative items. The strategies here are to check these type of stores every few weeks for items that you might need now or in the future. They work off buyouts, and things come and go very fast. Just keep checking. They do offer big discounts over some compared to retail discount stores.
Grocery item & Gas Savings
The best low priced grocery is Aldi and next is Save a lot. My personal strategies are going to one of these stores first and then go to another store for the rest of your grocery items.
Take advantage of Kroger and Giant Eagle fuel points programs if you need to fill up your car on a regular basis. Just like the commercial says you can buy gift cards and use them like cash. If you need to buy a gift just give a gift card. TJ Maxx and Marshals both have gift cards, so does the best buy and eBay, Amazon, and many restaurants have them too. The fuels saving will add up. Make it work for you buy a VISA, Master Card, or Amex card at Kroger which has $500 credit card gift cards. I paid my contractor $500 Visa gift card at Kroger’s paid $5.95 for the gift card and saved $1 per Gallons, up to 35 gallons. The Kroger has 2x for points so that is 1000 points. That is a net saving of $29.05, can you imagine the saving if it was repeated every month or if you're going on a vacation? 12*29.05 = $348.6 per year savings. And, yes I also buy the red Plastic gas containers too to get the maximum savings.
Go Green & Save Some Green
Micro Fiber Cleaning Cloths & Steam Cleaning
I personal use microfiber cleaning cloths, to do the majority of my house cleaning and for the disaffecting part of the cleaning I will use the handheld steam cleaner and I have floor steam cleaner for the floors in my home as well. The combination does a great cleaning job without all the chemicals and toxins. How much will you use save without having to buy all those cleaning products? How better off your long-term health will be without being exposed to all these toxic chemicals?
MOLD KILLERS Tea Tree Treasure
Nothing natural works for mold and mildew as well as this spray. I’ve used it successfully on a moldy ceiling from a leaking roof, on a musty bureau, a musty rug, and a moldy shower curtain. Tea tree oil is expensive, but a little goes a very long way. Note that the smell of tea tree oil is very strong, but it will dissipate in a few days. 2 teaspoons tea tree oil 2 cups water Combine in a spray bottle, shake to blend, and spray on problem areas. Do not rinse. Makes two cups. Vinegar Spray Straight vinegar reportedly kills 82 percent of mold. Pour some white distilled vinegar straight into a spray bottle, spray on the moldy area, and let set without rinsing if you can put up with the smell. It will dissipate in a few hours.
Keep a clean spray bottle filled with straight 5 percent vinegar in your kitchen near your cutting board and in your bathroom and use them for cleaning. I often spray the vinegar on your cutting board before going to bed at night, and don’t even rinse but let it sit overnight. The smell of vinegar dissipates within a few hours. Straight vinegar is also great for cleaning the toilet rim. Just spray it on and wipe off. Read more:
1/2 teaspoon oil, such as olive (or jojoba, a liquid wax) 1/4 cup vinegar or fresh lemon juice Mix the ingredients in a glass jar. Dab a soft rag into the solution and wipe onto wood surfaces. Cover the glass jar and store indefinitely. Read more about alternative furniture polish here.
ALL-PURPOSE SPRAY CLEANER
1/2 teaspoon washing soda A dab of liquid soap 2 cups hot tap water Combine the ingredients in a spray bottle and shake until the washing soda has dissolved. Apply and wipe off with a sponge or rag.
1 cup or more baking soda Water A squirt or two of liquid detergent Sprinkle water generously over the bottom of the oven, then cover the grime with enough baking soda that the surface is totally white. Sprinkle some more water over the top. Let the mixture sit overnight. You can easily wipe up the grease the next morning because the grime will have loosened. When you have cleaned up the worst of the mess, dab a bit of liquid detergent or soap on a sponge, and wash the remaining residue from the oven. If this recipe doesn’t work for you it is probably because you didn’t use enough baking soda and/or water.
1/4-1/2 teaspoon liquid detergent 3 tablespoons vinegar 2 cups water Spray bottle Put all the ingredients into a spray bottle, shake it up a bit and use as you would a commercial brand. The soap in this recipe is important. It cuts the wax residue from the commercial brands you might have used in the past.
CREAMY SOFT SCRUBBER
simply pours about 1/2 cup of baking soda into a bowl, and add enough liquid detergent to make a texture like frosting. Scoop the mixture onto a sponge, and wash the surface. This is the perfect recipe for cleaning the bathtub because it rinses easily and doesn’t leave grit. Note: Add 1 teaspoon of vegetable glycerin to the mixture and store in a sealed glass jar, to keep the product moist. Otherwise just make as much as you need at a time.
ALL NATURAL ANTIPERSPIRANT & DEODORANT
I found an inexpensive all-natural way to prevent underarm odor. In fact, works great, and I think to work better than my commercial deodorant. It's the old fashion Arm & Hammer (Baking Soda) Mix with equal amounts of cornstarch! You got it baking soda, to remove the order and cornstarch to keep you dry. This combo will cost less than $2.00 can easily last over a year. I know I was worried about the chemicals in my deodorant, I was resistant to go to an all natural product and pay $6 per stick! Now, I can do both at a great price too and 100% natural too.
ALL NATURAL WHITING TOOTHPASTE
I found a natural way to keep my teeth white without spending allot for those expensive tubes of toothpaste and remove the harmful toxin of fluoride, and other chemicals from a system. Simply mix a little bit of Arm & Hammer (Baking Soda) with hydrogen peroxide to form a paste. Now, you have a teeth cleaning and whiting machine. Once again less than $2.00 and will last months, not weeks.