TheThriftyNation.com

Tips and information about debt reduction, personal finance, and thrifty living

I am sorry for the recent inactivity at TheThriftyNation.  I have been working on my new book, Freedom Redux: Escape to Freedom, and it is consuming a large portion of my time. 

What is Freedom Redux?
Freedom Redux is a fictional novel series of a not to distant future; a future that I pray never comes to be.  Book one, Escape to Freedom, takes place in the fall of 2049.  The United States has become as much of a Socialist nation as much of Europe is today. The cost of living has skyrocketed, and the poverty rate is higher than any other time in history. Manufacturing is practically non-existent within the United States due to government regulations and high corporate taxation.  Most of the businesses who remain are big businesses that can afford the lobbyist who get them tax breaks; small businesses and self-employed individuals are extremely rare.  Unions have more power than ever, and have resorted to mafia-style tactics to recruit members.

In the story, a retired Army veteran, with the help of an old friend, save his son from a government re-education program and Escape to Freedom.  Check out the FreedomRedux page for updates on the book!

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save moneyWith the current state of the economy, times are tight for a lot of families. One great place to save money is the grocery bill. In many ways, grocery shopping is a bit like stock market. Do your homework, and buy low.

What follows are ten tips to help slash that grocery bill, but still bring home the things we really need with a minimum of time and effort. Continue reading “Save Money with these ten tips to save on your grocery bill” »

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E-books and e-book readers have to be one of the greatest inventions of the last decade.  The advantages that e-book readers offer over traditional books are too numerous to list.  However, my favorite advantage is economic.  Oh sure, you have to spend the money up front for the e-book reader, but e-books are just down right cheap!  Instead of spending five or more dollars for the average paperback novel, many novels are just a dollar.  Of course, that’s still not as good as my favorite price…. free!

For years, you have been able to check out books from your local library free of charge.  As we move further down the path of the digital age, there are new ways to get books for free.  My local library allows you to check out e-books just as you would check out printed material.  While this is great, the selection of e-books at my local library is not very extensive.  And based on what other people have told me, many libraries around the country have similar offerings.  Fortunately, where libraries have lacked the Internet has filled in the gaps.  There are many sites that you can go to where you can download e-books for free.  What follows is a list of some of my favorite sites where you can download your e-books for free.  The list is by no means complete, but these are the sites I have found to have a great variety of e-books.

Continue reading “Save money by visiting these free e-book download sites” »

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As I write this, we are in the heat of the back to school season for colleges and universities.  Chances are if your son or daughter is off to college, he or she had a pretty good GPA.  Let me ask this:  How well did they do in their financial education class….you know, the class where they learned how to make good financial decisions.  Did the high school even offer such a class? Continue reading “Financial education for college students” »

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Let’s face it; college is expensive.  The average cost of a four year degree is now over $20,000 per year.  And if coming up with the funds for the tuition bill isn’t hard enough, now you have to buy the books.  It is estimated that books can cost 25% of tuition fees….that’s $5,000 per year!  Fortunately, there are ways to bring down those book expenses.  In this article, we will take a look at some of the most popular ways to save money on college textbooks. Continue reading “How to Save Money on College Textbooks” »

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This is written as a companion to my article “Save money on college by attending a free college”. If you have not read that article, be sure to check it out!

 

The average cost of a college education is now around $20,000 for a four year degree. For years, I have watched friends and family members struggle for years after graduation with the burden of student loans. Is there a better way? Can you get a college education, but not pay the bill?

 

You bet! What follows is a list of some of the most common ways to pay for college without the money coming out of your pocket. In many cases, the entire tuition may not be covered, but combining several methods may cover the whole bill. Enjoy! Continue reading “Save money by paying no….or low….college tuition” »

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The cost of education keeps rising at an astronomical rate, and parents are finding it harder and harder to send their kids off to college.  Many look toward grants, scholarships, and student loans.  However, did you know there are free colleges in the United States?  You heard that right….FREE!  Of course, other things such as room and board or books may not be free, and there may be a catch or two, but these colleges are definitely worth looking at. Continue reading “Save money on college by attending a free college” »

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Who has a bunch of clutter in their home?  If you said yes, make a point to get rid of it! This is not so much saving money as making it, but the frugal, simplifying cheapskate, like myself, will want to declutter and make a few bucks doing it. Hold a garage sale or sell it on eBay. It’s amazing what some people will buy.

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Don’t go to the mall or other shopping area or department store to look around and shop. Go to a store if you know what you need, and then get out. Many times people go shopping, with a vague idea of what they want, and get caught up buying much more. Or they go just for fun, as a form of entertainment. That ends up costing a lot. It can really add up. Instead, stay away from shopping areas and find other ways to have fun.

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One of the biggest expenses in our daily lives is eating out — the average person spends well over $2,000 a year on eating out. Restaurants are expensive, including fast-food (not to mention the health hazards). It’s much cheaper to cook your own food. Our family creates a weekly menu, then we buy the groceries, and cook dinner (and lunch) each evening. Lately I’ve even been prepping it in the morning, so it’s a snap when we get home. If you are going to eat out, see my article “Top ten ways to save money while eating out“….it might save you a few dollars.

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