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VIDEO ON MSN MONEY

61Comments
Dec 27, 2012 10:11AM
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Not suggestions that people don't already know and practice.  We've even gone as far as growing a large vegetable garden and learning to can.  I cook from scratch rather than pay someone else to pre-cook things for us.  Another suggestion I can give to parents is learn how to say the word "no" to your kids.  If that doesn't sit well with you, then at least tell them to earn or save up the money for the things they want.  I used that practice with my own kids and it taught them the difference between what they want and what they needed plus it taught them to be thrifty and know the value of a dollar.  It didn't help that their cousins were given everything they wanted without having to earn it.   I had a hard time explaining why cousin so-and-so got a $300.00 pair of Nikes just because, and they had to get a paper route to buy those shoes for themselves.
Dec 27, 2012 12:36PM
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Don't know about saving you money, but save you some time by not clicking through a hundred tabs. Might have actually read this if it weren't for poor presentation.
Dec 27, 2012 11:45AM
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#18 is not legal. There is a copyright on those cd's. You can listen to them, you cannot burn them unless you buy the disc. Same goes for dvds.

Dec 27, 2012 2:02PM
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Can you put the articles on one page?  This is very interesting and I want to read it, but I don't have time to scroll through 100 pages.   Please make your good information more accessible.  thanks
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The Democratic Senate hasn't passed a budget in over 1100 days, that was one year before the ipod came out, April 2009. How do you run a country without a budget? Obviously not very well. Why should i live with in my means, the Govt doesn't do it. Why should i pay my bills, the Govt doesn't.  I thought America was a "lead by example" country?  Think i will sign up for welfare, food stamps, Govt housing...heck, gimmie the complete package, even a free phone. Why should i work when i can live for free? The voters voted for a nanny state...congratulations, you won.
Dec 27, 2012 1:43PM
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Why don't you send this article to Washington DC...  So our taxes go up and we need to cut back, reduce spending, to make ends meet.

 

I think I will do the opposite borrow more and spend more... All the brain trust in DC seem to think that is the best way to manage a budget

Dec 27, 2012 1:55PM
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#18 is illegal. If you don't own it, you can't burn it!
Dec 27, 2012 2:07PM
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How to save money -- listen to your Grandmother, she actually may know something..... Teach your kids starting when they say the word "dollar" and drop coins into a piggy bank, by the time they are "so-called adults" at 18 it is about 17 years too late to start. Wise money management to stretch your dollars is a habit you develop over years and learn by example, not just what you have but what you do with it.  You cannot teach common sense. Get your priorities straight, understand want vs need and owe vs own, don't live over your head, don't waste your time on 100 part slide shows.......
Dec 27, 2012 10:05AM
Dec 27, 2012 2:00PM
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#17 - Burning CDs from the library is a violation of copyright law and screws artists out of their royalties.  NOT COOL. If you want free music, look for freebies from iTunes, sign up for your favorite artists' (or local radio stations') e-mail lists (sometimes they offer free promo/fan club downloads).

 
Dec 27, 2012 1:13PM
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Here's way  #101 to save, DON'T SPEND YOUR MONEY ON ANY THING !!!!!!!!!!!!!!
Dec 27, 2012 12:32PM
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Hate to burst a bubble on one of these, but #18 - burn your own CDs from music borrowed from the library - is exactly the sort of thing that gets music creators (Read: - songwriters, musicians, record producers, record labels, etc.) into a serious tiz. This is the essence of copyright violation: taking a writer's intellectual property - music and lyrics -  and stealing your own copy of it for free, i.e. not paying the royalties due the publishers and songwriters who created the songs in the first place. Major lawsuits have been litigated and won by bands and other artists, movie studios, publishers and record labels, going back many years now. Policing this would be as easy as a label going to the library, which is a public entity subject to open records laws, and checking for the names of patrons who borrow recordings on a regular basis, then executing a search warrant for bootlegged copies of music CDs. Every item discovered is a separate violation, subject to federal charges, law suits, fines, etc., etc. Since we now know that MSN Money is recommending this practice, that company could be sued for conspiracy to commit copyright infringement. The music business is an industry that has been devastated by theft of its product by ordinary individuals at an alarming rate, and growing every year. People think that music is free, just because they can hear it playing everwhere. But those stores that use it as a pleasant background for shoppers, bars and restaurants that have it playing for drinkers/diners, and hotels that pipe it into elevators and lobbies all pay a subscription fee. Radio and TV must pay an annual subscription fee to BMI/ASCAP/SESAC in order for you to hear the music they play for you to hear free, which they recoup from advertizers. Movie makers license songs for their films, which is a small part of every DVD you buy or legally dowload. Your free music is paid for by you in small amounts added to the cost of doing business. Intellectual property theft has been been the subject of Congressional hearings and there are ongoing battles between the Republicans in Congress who want to limit creator's rights to their creations and all elements of the music industry. Republicans have taken the stance that anything which helps businesses operate at a larger profit should pass.  They have neglected to understand that music is an entire industry, with hundreds of thousands of small business owners and providers who have a reasonable right to profit from their work and endeavors as well. Music people create all the same items as store owners, manufacturers of durable goods, with content that is enjoyed by the masses for years to come instead of being used up in just a short period of time. Pay the musicians you listen to just once for their work, take you fresh CD home and copy that one onto your computer/iPod/iPhone. You're allowed by law to do that, but don't steal from those who use their brains and skills to express their deepest emotions and move your hearts with words and music. It's a matter of fairness, and it's the law. My rant is finished. 
Dec 27, 2012 2:29PM
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Burning CDs from the library is not only illegal, it cheats the performers.  How would the person who wrote this piece like it if they did not get paid?

Dec 27, 2012 2:49PM
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As a musician, songwriter, performer and recording artist with a website, I believe what I need to do to help out all my friends who are musicians and artists (and for some strange reason starving,) is copy word for word everything in this article and post it to my website.  I'm sure the people who have put the sweet little copyright symbol next to the Freelance name won't mind, and no one from Getty Images will care.  I mean, really, they didn't do any actual work to come up with this article, pay to produce any of it, use any talent either natural or learned, exercise any skills learned from an education that was paid for, put forth any type of effort, expect to get paid for it, or have any reasonable expectation that any laws will protect their interest in the open market, right?  So I can just take it if I want it.  It's not lame.  It's hip.  I promise.

Dec 27, 2012 1:16PM
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Regifting is sometimes a nifty idea. Avoid passing on junk but sometimes little treasures can be passed on and received gratefully.
Dec 27, 2012 2:48PM
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#23,,,DO NOT use the fridge/freezer baking soda, it clearly states on the box it is NOT for baking, dental uses and never as an antacid,  really need to check this before it is posted on the web folks, some people think if it is on the web it is true

 

Dec 27, 2012 3:19PM
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Want to start making a difference, teach your children early on about saving money. Both of my boys have 2 piggy banks. 1 is for spending, 1 is for saving. They have a set amount of chores (feed pets, help with laundry, pick up toys, etc.) that they have to do every day (4 & 5 yrs old) and the receive an allowance at the end of the week. The allowance can (and has frequently been) reduced if they argue about doing chores, refuse to do them, or get in trouble for other things. And of their allowance, half must be put in their savings bank. The other half they can choose to put in their spending bank or their savings bank. In addition, they can choose to do extra chores that we present them with throughout the week for extra spending money. Their allowance is $1 each and extra chores are typically an extra quarter. Think this is too stingy? My 4 year old saved up for 6 months straight to buy a remote control Disney Cars 2 car without spending a dime. Hows that for results?

My point is, teach your kids REAL savings skills and teach them early. They are perfectly capable of learning if you give them the chance and SET A GOOD EXAMPLE FOR THEM!

Dec 27, 2012 2:18PM
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At all the office supply stores, they sell a plastic "coupon wallet."  It's the size of a business envelope but thicker, and it has dividers like an accordion file.  I NEVER used to use coupons because they were so thin and would get crunched up or torn inside my purse...until a friend gave me a coupon wallet.  Now I clip AND use coupons all the time because they stay in perfect condition and I'm not embarrassed to hand them over to the cashier. 
Dec 27, 2012 3:07PM
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I like puppcry comments, but one other area that needs to be addressed is the parents/adults.  They need to learn to tell each other no on that new TV, the other one isn't broke.  Or the new outfits just because you went to work in it twice doesn't mean its old.  We all have to work on making our savings grow.  Save the money for each of the items you want.  Your kids will follow in seeing what you do.  They just want to be the same.  I had a hard time myself telling my kid no also.  You love to see there face light up when you buy that toy for them.

 

The other thing I see is when parents are buying I-Pads, cell phones and other high priced items for kids when they don't need them yet in there life. If we buy our kids everything they will never learn.  Set the example.

Dec 27, 2012 2:29PM
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With house prices way down, lower your taxes and insurance to the true resale value of your house.  Why isn't this on the list?
Dec 27, 2012 2:28PM
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Instead of buying new porn, just rewatch the older ones you have and use your other hand.  It's like another person is jerking you off.
Dec 27, 2012 11:23AM
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#98 - Plan your driving routes to avoid left turns?   But I did enjoy the article and respect that what I've taken to be common sense in so many of these suggestions will be new to some of us as there are "green" recruits entering the marketplace all the time.  Thanks for the article.

Dec 27, 2012 4:39PM
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Stupid perfectly describes both democrats and republicans....come on people the real issue is we are so divided it's ridiculous. A nation divided falls. Obama is by far not a genius nor is he the best option for this country, but the same goes for Romney..we really didn't have a chance for this country in the past election. If we are too busy fighting each other instead of making sure our nation is being ran correctly then we are going to get screwed over by DC no matter if it's the dems or reps calling the shots. Stop letting them control your brain. Think for yourself..both sides are telling lies and are stealing right from our pockets.
Dec 27, 2012 3:09PM
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This list should be titled "100 ways for complete inept morons to save money in 2013". Because only those devoid of any common sense don't already know not to waste money on the frivolous expenses mentioned in this joke of an article.
Dec 27, 2012 2:57PM
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On the carpooling thing... most metropolitan areas - even small ones have state sponsored carpool programs where if you register your carpool, you can take advantage of free emergency ride home services, so you don't get stranded at work in an emergency.  
Dec 27, 2012 2:23PM
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If all restaurants' were closed, games for kids to play were denied, how many million dollars would one State loose, but how much money would families save? I would never have to work again and live good if I had the money saved on eat out meals just in one state for a month! I know people that will spend a hundred dollars in one day eating out, but have bills over their heads, but this is what they can't do without. Millionaires are made every day by our stupidly.
Dec 27, 2012 2:15PM
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Remember you can get 100% of the recommended daily allowance of Vitamin C just from a few spoonfuls of spaghetti sauce. You don't need to buy expensive fruit juices (the cheap ones aren't real fruit). Or, if you don't like tomatoes, it's cheaper to buy a bulk bag of apples than a bottle of juice.
Dec 27, 2012 4:14PM
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Drop all the tabs and put these thoguhts into a readable format.  The number one reason I don't read most of these multi-page presentations is the extra time and hassle it takes. 
Dec 27, 2012 3:29PM
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OK...so how do you save money when you're already doing all of these things and you're STILL barely getting by?!
Dec 29, 2012 12:55AM
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#18 is very illegal and very, very stupid. You wonder why it's so hard for real artists to make a living? It's because of stupid advice like this. Thanks for taking money out of my pockets. F*ck off.
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