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What Makes a Saver?

Prairie Eco-Thrifter

A smile or a word from a parent or teacher, seeing someone enjoying their savings, a chance combination of a happy conversation, a sun shiny day and an increased amount in the piggy bank – all may result in one child’s brain being wired towards the pleasure of saving. Included here is peer pressure.

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Seven Cheap Hobbies That You and Your Family Can Enjoy

Prairie Eco-Thrifter

Building model airplanes, for example, might have gone by the wayside with the recession because it is a hobby that can quickly get expensive. Once you have found a good group, you can participate in the conversations that they have about the topic, and you can also make your own posts where you ask a question or start a discussion.

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Why Use Cash?

Prairie Eco-Thrifter

In 2008-2009 when we had the credit crunch and recession, there was at least one day when stores were not accepting credit. Conversely, if you are shelling out bills to buy something, it seems hard than sliding that plastic. Gas stations, some hotels, some restaurants are examples of places you might negotiate a cash discount.

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HELOC Vs Home Equity Loan: How Do They Work?

Savings Corner

Some HELOCs come with a conversion option that allows you to set a fixed rate on some or all of your balance. Home equity lenders often charge a fee for variable-to-fixed-rate conversions, too. You don’t have to use (and repay) all of the funds you’ve been approved for. Interest is charged solely on the amount you’ve borrowed.

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Alternatives to College

Prairie Eco-Thrifter

I graduated from State U with a liberal arts degree in the early 1970s – when there was a world wide recession followed by stagflation. We all have been taught that a college degree is the path to the good life, but is it still – when students are emerging with heavy debt and little chance of a lucrative job?

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How To Get The Holiday Gifts You Really Want

Prairie Eco-Thrifter

You still don’t want yet another unwanted, unneeded thing to hide in the deep dark recess of your closet. Experiences can be written on coupons and given as a card – a coupon to have a phone conversation or come to visit in several months. Even if there is a ‘gift of giving’, you still have that house full of stuff.

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Small Space Organizational and Décor Tips

Cheap Chica's Guide To Style

Use a pop of color or a bold metal, like copper or rose gold, to spice up your room with light and a conversation piece. Under-Stair Storage : Build a recess in all that empty space under your stairs for stacking books, hanging coats, or making sure your wine collection is readily available!