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	<title>Newsletter Clips &#187; Budget Living</title>
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		<title>How to Save Money on Summer Clothes</title>
		<link>http://newsletterclips.com/how-to-save-money-on-summer-clothes/</link>
		<comments>http://newsletterclips.com/how-to-save-money-on-summer-clothes/#comments</comments>
		<pubDate>Fri, 18 May 2012 08:45:56 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
				<category><![CDATA[Budget Living]]></category>
		<category><![CDATA[budget living]]></category>
		<category><![CDATA[summer]]></category>

		<guid isPermaLink="false">http://newsletterclips.com/how-to-save-money-on-summer-clothes/</guid>
		<description><![CDATA[One common big summer expense is clothes. In summer, you need clothes that will help you keep cool. That means short sleeved shirts and more airy fabrics. It also often means buying swimwear. If you don&#8217;t have summer clothing on hand, it can cost a lot of money to stock the wardrobe of the whole [...]]]></description>
			<content:encoded><![CDATA[<p>One common big summer expense is clothes. In summer, you need clothes that will help you keep cool. That means short sleeved shirts and more airy fabrics. It also often means buying swimwear. If you don&#8217;t have summer clothing on hand, it can cost a lot of money to stock the wardrobe of the whole family.</p>
<p>Here are a few ways you can save money on summer clothes.</p>
<p>==> Go to Charity Shops</p>
<p>Charity shops like Goodwill or the Salvation Army frequently sell clothes at very, very low rates. You can often pick up summer clothes at a fraction of the price you&#8217;d pay at a retail store.</p>
<p>==> Pass It Down the Family</p>
<p>If you have two kids, you can often pass one piece of clothing from the older sibling to the younger. The younger sibling might not necessarily appreciate it, but if finances are tight it might be what&#8217;s called for.</p>
<p>Try to mix it up so your kids get a combination of both new clothes and pre-owned clothes.</p>
<p>==> If You Buy New&#8230;</p>
<p>If you&#8217;re buying clothes new, avoid higher end stores and stick to stores that cater to the lower end of the budget spectrum. For example, shop at the Gap or Old Navy rather than at H&#038;M.</p>
<p>==> Look for Sales</p>
<p>One big sale to look out for is the end of season sale. Right as summer comes along, many stores will quickly try to get rid of last season&#8217;s clothing. That&#8217;s prime time to swoop in and get great new clothes at a discount.</p>
<p>You might be thinking: &#8220;But those aren&#8217;t summer clothes.&#8221; That&#8217;s true, they&#8217;re not technically summer clothes. However, if they&#8217;re short sleeved, or if they&#8217;re made of airy materials, you can easily wear them in summer even if they weren&#8217;t part of the brand&#8217;s summer line.</p>
<p>==> Go to Used Clothes Stores</p>
<p>Another place you can look is used clothes stores. These stores are usually a little more expensive than charity shops, but their clothes are of a much higher quality. </p>
<p>These shops basically buy clothes from other people, but only hand pick clothes they believe will sell. That&#8217;s why the clothes they carry are usually great. While it&#8217;s not Goodwill prices, you&#8217;re still usually looking at a 50% to 70% discount off retail prices.</p>
<p>==> Try Shopping on EBay</p>
<p>Finally, if you can&#8217;t find great bargains in your area, you can try eBay.</p>
<p>As long as you know your size, you can often buy phenomenally cheap clothing on eBay brand new. It&#8217;s this cheap because the person selling on eBay has a direct connection with the manufacturer and is able to cut out the middleman. </p>
<p>These are all ways you can save money on clothing this summer. Stocking up on summer clothes shouldn&#8217;t break the bank. With these tips, you&#8217;ll be able to dress yourself and your family for pennies on the dollar.</p>
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		<title>How to Save Money on Electric Bills in Summer</title>
		<link>http://newsletterclips.com/how-to-save-money-on-electric-bills-in-summer/</link>
		<comments>http://newsletterclips.com/how-to-save-money-on-electric-bills-in-summer/#comments</comments>
		<pubDate>Tue, 15 May 2012 10:25:01 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
				<category><![CDATA[Budget Living]]></category>
		<category><![CDATA[budget living]]></category>
		<category><![CDATA[summer]]></category>

		<guid isPermaLink="false">http://newsletterclips.com/how-to-save-money-on-electric-bills-in-summer/</guid>
		<description><![CDATA[One of the best ways to save money during summer is to cut down your electric bill. By using nature&#8217;s own heating system and a few carefully designed energy saving mechanisms, you can drastically reduce your monthly electric bill. Here are a few different ways to do it. ==> Turn Off the AC Whenever Possible [...]]]></description>
			<content:encoded><![CDATA[<p>One of the best ways to save money during summer is to cut down your electric bill. By using nature&#8217;s own heating system and a few carefully designed energy saving mechanisms, you can drastically reduce your monthly electric bill.</p>
<p>Here are a few different ways to do it.</p>
<p>==> Turn Off the AC Whenever Possible</p>
<p>Turn off the AC 20 minutes before you leave the house. This helps save money on the AC bill, but your house won&#8217;t really be any hotter by the time you leave.</p>
<p>Use a fan whenever you can instead of an AC. On days that are just mildly hot rather than roasting, fans can provide cooling without draining your bank account.</p>
<p>Do your best to only use the AC when it&#8217;s really necessary.</p>
<p>==> Improve Your Home&#8217;s Insulation</p>
<p>Your home&#8217;s insulation is what keeps your home cool in summer and warm in the winter. However, if your insulation is damaged or ineffective, that can easily cost you hundreds of dollars a year in heating costs.</p>
<p>Most people&#8217;s home insulation was built years, even decades, ago. The insulation could be molded, it could be falling apart, it could even be torn through by squirrels or other critters. </p>
<p>Check your insulation to see what condition it&#8217;s in. If you don&#8217;t know, have someone check it for you. If your insulation is in poor shape, consider having it fixed. It&#8217;ll allow you to keep cool in summer without having to spend a lot of money on cooling costs.</p>
<p>==> Energy-Efficient Windows</p>
<p>One of the biggest drains of energy comes from windows. While your walls can block out the summer heat and keep the cool air in, windows don&#8217;t have the same effect.</p>
<p>Instead, heat is very well conducted through the glass. Furthermore, the sun rays that come in through the window will heat up the rest of your house. </p>
<p>Getting energy-efficient windows will help solve this problem. Basically, these windows are designed to keep the cool in and the heat out in summer, while doing the opposite in winter. They can help save a lot of energy.</p>
<p>==> Get in the Habit of Drinking Ice Water</p>
<p>This one&#8217;s a slightly odd but highly effective tip.</p>
<p>When you eat hot foods, your body temperature rises. When you drink cold water, your body temperature falls.</p>
<p>One of the easiest ways to keep cool in summer without having to spend a lot of electricity it by drinking cold water.</p>
<p>Your freezer is going to be running anyway. Putting a few ice trays or bottles of water in the freezer isn&#8217;t going to add to you electric bill. If you like drinking cold water, as most people do in summer, this is a great way to cool yourself down without spending an extra dime.</p>
<p>These are all ways in which you can save money on your electric bill this summer. If you&#8217;re not careful with your electric bills, they can skyrocket in the summer months. These tips will help.</p>
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		<title>How to Save Money in Summer on Groceries</title>
		<link>http://newsletterclips.com/how-to-save-money-in-summer-on-groceries/</link>
		<comments>http://newsletterclips.com/how-to-save-money-in-summer-on-groceries/#comments</comments>
		<pubDate>Sun, 13 May 2012 00:13:06 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
				<category><![CDATA[Budget Living]]></category>
		<category><![CDATA[budget living]]></category>
		<category><![CDATA[summer]]></category>

		<guid isPermaLink="false">http://newsletterclips.com/how-to-save-money-in-summer-on-groceries/</guid>
		<description><![CDATA[Groceries are a big part of the average household&#8217;s weekly expenses. In the summer months, with a bit of careful planning, you can bring that number down significantly. You can reduce your food costs by as much as 30% to 40% if you follow these tips. ==> Buy What&#8217;s in Season When you buy food [...]]]></description>
			<content:encoded><![CDATA[<p>Groceries are a big part of the average household&#8217;s weekly expenses. In the summer months, with a bit of careful planning, you can bring that number down significantly. You can reduce your food costs by as much as 30% to 40% if you follow these tips.</p>
<p>==> Buy What&#8217;s in Season</p>
<p>When you buy food that isn&#8217;t in season, the food will be more expensive. It will have been grown either in a greenhouse or through genetic modifications, or it was imported.</p>
<p>Whatever the case is, anything that isn&#8217;t just food straight out of the soil is going to add costs. It costs money to hire scientists to modify foods, it costs money to run a greenhouse and it costs money to import.</p>
<p>By contrast, in season foods are just picked. Pure and simple. So do a bit of research, make a list of foods that are in season this summer and stick to buying those foods.</p>
<p>==> Buy from Your Farmer&#8217;s Market</p>
<p>Summer is a great time for farmers. It&#8217;s warm and tending the fields is much more enjoyable than the rainy winter. Buying directly from farmers will not only save you money, but it&#8217;ll also help support these farmers more than if you bought from a supermarket.</p>
<p>When you buy from a supermarket, you&#8217;re also paying the wages of the managers and filling the pocketbooks of the owners. When you buy straight from the farmer, you essentially cut out the middleman, save money and support the little guy.</p>
<p>So find your local farmers markets and make it a point to buy most if not all of your foods from farmers&#8217; markets, rather than from large supermarkets.</p>
<p>==> Clip Coupons, Use Members Cards</p>
<p>Pick up copies of free newspapers whenever you can. Turn to the advertising sections and look for coupons. Clip those coupons and use them to save money on your groceries.</p>
<p>Join the members&#8217; clubs of various different stores. It doesn&#8217;t cost any money. These members&#8217; clubs will then track the kinds of foods you tend to like and occasionally send you special offers.</p>
<p>If you join the members&#8217; clubs of three different supermarkets, you&#8217;ll get enough special offers to regularly be getting 30% discounts.</p>
<p>==> Grow Your Own Food</p>
<p>Want to really save some money on groceries? Grow your own food.</p>
<p>Buying seeds is very inexpensive. All you need to feed the plants is water. You don&#8217;t need to buy plants that take forever to bear fruit. You can plant seeds that can be harvested in as little as 6 to 12 months.</p>
<p>These are a few different ways you can save money on groceries this summer. If you&#8217;re careful and diligent, you can reduce this major expense by as much as 30% to 40%.</p>
]]></content:encoded>
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		<title>For Parents: Turn Summer into a Financial Teaching Game</title>
		<link>http://newsletterclips.com/for-parents-turn-summer-into-a-financial-teaching-game/</link>
		<comments>http://newsletterclips.com/for-parents-turn-summer-into-a-financial-teaching-game/#comments</comments>
		<pubDate>Wed, 09 May 2012 17:35:34 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
				<category><![CDATA[Budget Living]]></category>
		<category><![CDATA[budget living]]></category>
		<category><![CDATA[summer]]></category>

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		<description><![CDATA[One of the best ways to save money in the summer is to get your kids involved. Instead of planning...]]></description>
			<content:encoded><![CDATA[<p>One of the best ways to save money in the summer is to get your kids involved. Instead of planning...]]></content:encoded>
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		<title>Use Cash Budgeting to Conserve Cash in Summer</title>
		<link>http://newsletterclips.com/use-cash-budgeting-to-conserve-cash-in-summer/</link>
		<comments>http://newsletterclips.com/use-cash-budgeting-to-conserve-cash-in-summer/#comments</comments>
		<pubDate>Mon, 07 May 2012 05:15:24 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
				<category><![CDATA[Budget Living]]></category>
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		<description><![CDATA[Apart from the holiday season, summer is the most expensive time of the year. You have rising electrical costs from...]]></description>
			<content:encoded><![CDATA[<p>Apart from the holiday season, summer is the most expensive time of the year. You have rising electrical costs from...]]></content:encoded>
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		<title>Energy Efficient Heating on Your Patio</title>
		<link>http://newsletterclips.com/energy-efficient-heating-on-your-patio/</link>
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		<pubDate>Wed, 18 Apr 2012 07:04:00 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
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		<description><![CDATA[Energy Efficient Heating on Your Patio If you live somewhere cold, the heating of your patio and your deck becomes a...]]></description>
			<content:encoded><![CDATA[<p><strong>Energy Efficient Heating on Your Patio</strong></p>
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		<title>Solar Lights: Both Energy Efficient and Classy</title>
		<link>http://newsletterclips.com/solar-lights-both-energy-efficient-and-classy/</link>
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		<pubDate>Mon, 16 Apr 2012 08:04:00 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
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		<description><![CDATA[Solar Lights: Both Energy Efficient and Classy Solar lights are a great way to be energy efficient while looking great. There...]]></description>
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		<title>How to Save Money on Kids&#8217; Clothes</title>
		<link>http://newsletterclips.com/how-to-save-money-on-kids-clothes/</link>
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		<pubDate>Sun, 01 Apr 2012 18:02:00 +0000</pubDate>
		<dc:creator>newsletterclips</dc:creator>
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		<description><![CDATA[How to Save Money on Kids&#8217; Clothes Before you know it, your kids have outgrown their clothes. Hand-me-downs can work to...]]></description>
			<content:encoded><![CDATA[<p><strong>How to Save Money on Kids&#8217; Clothes</strong></p>
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		<title>Can You Still Cash Out with a Reverse Mortgage?</title>
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		<pubDate>Sun, 01 Apr 2012 14:03:00 +0000</pubDate>
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		<description><![CDATA[Can You Still Cash Out with a Reverse Mortgage? If you&#8217;re over 62 years of age and have significant equity in...]]></description>
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		<title>Tips for Managing Your Credit in a Marriage</title>
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		<pubDate>Wed, 21 Mar 2012 10:03:00 +0000</pubDate>
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