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Surviving the RecessionSurvive the Recession, Discover How to Cut Costs and Win the Recession Game!
Unless you've been hiding under a rock, you are aware of the current state of the economy. There doesn't seem to be an end in sight. It affects all of us either directly or indirectly.
This isn't something "new." We've been through this before. The only upside of our situation this time is that we now have more sophisticated ways to share information.
When faced with an economic crisis, either individually or collectively, our first inclination is to cut out luxuries. That's a pretty obvious step to take. It's just the first step, however. Sometimes we are so close to a problem we just can't "see the forest for the trees."
The first thing to understand is that you are in this by yourself. There are no magic bullets or safety nets poised to soften the landing when you fall off the cliff. You have to look out for you and yours because no one else is going to do it.
There are steps you can take to minimize the effects on your finances. You just need to know where to begin.
We believe we have the answers to your questions about where to begin your quest on fighting the recession monster. "Surviving the Recession" is just what the doctor ordered to cure your recession ills.
You've taken the first step just by reading this page. Take a look at what's waiting in the wings to help you survive this mess:
- What Kind of Mortgage Fits You Best?
- How to reduce your grocery costs by 10% or more
- Cut Your Energy Bill
- Stomp Your Phone Bill
- Chop Your Cable Bill
- 10 Ways to Bust the Cost of Your Auto Insurance
- Lower the Cost of Your Homeowner's Insurance
- Heal Your Health Care Costs
- Tame the Credit Card Monster
- Life Insurance - Who Needs it
- Slash Those Travel Costs
Also learn how to get more out of your paycheck and how to build a budget and stick to it! You even get worksheets and comments from a credit counselor.
Don't wait. "Surviving the Recession" is your ticket to surviving these troubled times. They won't last forever, but thus far there is no end in sight. The upside is that by the time we do recover you will be way ahead of the game armed with all you've learned!
Get your copy now so you can survive this recession!
About The Author
Douglas Hanna
Douglas Hanna is a retired advertising and marketing executive. He lives in a suburb of Denver, Colorado with his wife and two dogs.
In his capacity as an advertising agency VP of Creative Services, Douglas worked closely with one of his state's largest banks and one of its largest savings & loan institutions. These experiences taught him many of the financial tips and tricks you will find throughout this book.
In addition, Douglas has spent many years researching and writing about personal finances and is the author of more than 25 well-received ezine articles on the subject. Douglas has also written more than 200 other articles on a variety of subjects.
Douglas knows from personal experience how difficult it can be to survive financially during tough times. As a 23-year old, Douglas found himself supporting a wife and baby on less than $5500 a year. This led him to a strong interest in personal money management, which has lasted throughout his adult life.
"My life was very difficult for a number of years," Douglas recently said. Given these experiences, he decided to learn everything he could about cutting costs and saving money. "While these times were tough," he said, 'I was able to get through them by learning many of the money-saving techniques I have included in this book."
His book is dedicated to all those of you who are interested in cutting costs and surviving tough times like Douglas.
Contents
Introduction
How is your credit card debt?
Are you one of the lucky Americans?
8 Ways this Book can Help You Live Better
How would you feel if you were really in charge of your finances?
Getting Started
How to Get Started
2 The Myth of Fixed Costs
Mortgage, Mortgage - What Kind of Mortgage Fits You Best?
Where to get information on mortgage rates
Where to find an ARM calculator
Learn from our bad experience
Direct Lender Compared to Broker
3: Slice and Dice those Food Costs
How to reduce your grocery costs by 10% or more
Where to find those money-saving coupons online
Tried and true ways to save money on groceries
Watch your Attitude
Get a notebook
Read the fine print in all store ads and on your coupons
Know when to use a list
Know when not to use a list
Grocery stores are for groceries
Take a rain check
Know the system
Realize that more isn't always cheaper
Does your store honor competitors' prices?
Look for double coupons26 Copyright © 2009 All rights reserved- 3 -
"Surviving the Recession" by Douglas Hanna Page 4 of
Weigh before you pay
Make sure those bargains really are bargains
Realize that sometimes the best bargain isn't the lowest price
Make sure mistakes don't happen
Put your savings to work
Chapter 4: Cut Your Energy Bill
Quick, easy things you can do to reduce that bill
The Cheapest Answer
Inexpensive storm windows
A great $60 investment
Do new windows make sense?
Do your own cost analysis
Free Information from Your Government
Chapter 5: Stomp Your Phone Bill
Fewer features could mean nice savings
Drop that landline?
Minutes, minutes, are you really using all those minutes?
Have you thought about phone cards?
Dial a few extra numbers and save big!
Tricks and Traps
Some Simple Questions
Be sure to check billing increments
Chapter 6: Chop Your Cable Bill
Subscribe to movies instead of premium channels
Could you save with satellite TV?
How about DirectTV?
Chapter 7: 10 Ways to Bust the Cost of Your Auto Insurance
Get at least three price quotes
Check insurance costs before you buy your next car
Reduce the coverage on older cars
Keep a good credit record
How old is your car and what is its condition?
12 fast and simple formulas to get low-cost car insurance
Can you qualify for a low mileage discount?
Check about group insurance
Are you paying for duplicate medical coverage?43 Copyright © 2009 All rights reserved- 4 -
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Look for other discounts
Chapter 8: Lower the Cost of Your Homeowner's Insurance
Shop around
See what you might save with higher deductibles
Can you make your house disaster-resistant?
Upgrade your home security
Look for other discounts
Keep your credit record clean and up to date
Don't change insurers
Don't pay for coverage you don't need
If you are in a government plan, look at private insurance
Consider the cost of insuring it before you buy a home
Chapter 9: Heal Your Health Care Costs?
Can you actually trim these costs?
Pay less for your medication
Can you take advantage of a flexible spending account (FSA)?
Fight overcharges
Can you play "Let's make a deal?"
Chapter 10: How to Tame the Credit Card Monster
Interest Rates Really Matter
More ways to get out of credit card debt
What about those credit counseling companies?
The time value of money
Give yourself a credit check-up
If you find errors
How to get your credit reports
Chapter 11: Life Insurance - Who Needs it?
The Secret to Buying Life Insurance
Term compared to cash-value Insurance
Term or cash-value; which is right for you?
How to eliminate that pesky life insurance agent
Chapter 12: Slash Those Travel Costs
Travel like a Prince on a pauper's budget
How can you get the best possible fare?
How flexible can you be?68 Copyright © 2009 All rights reserved- 5 -
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How to cut the price of a ticket you've already purchased
What about charter flights?
Interested in saving money on a Disney World vacation?
How to save money on a hotel room
Resort Vacations
Sink the cost of cruising
Chapter 13: Even More Cost-cutting Tips
Auto Maintenance
If your car is under warranty
When your car is not under warranty
Lunches at work?
Cutting your entertainment budget
Trim those clothing costs
Buy school supplies when they're on sale
Free coupons that can help you save big!
Chapter 14: Building a Budget and Sticking To It
Were your goals too high or too low?
See your savings
Budgeting - tough love style
Is saving money part of your budget?
A 401K: It can still be a working person's best investment
Other investment alternatives
For the small business owner and the self-employed
Why you might select a SEP over a Solo 401K
Chapter 15: How to Get More out of Your Paycheck
Flexible Spending Accounts
How Flexible Spending Accounts Work
Dependent-care flexible spending
Transportation reimbursement
Retirement
Chapter 16: The Other Alternative - Increasing Your income
One picture can definitely be worth 1,000 words
Build a business on eBay
Liquidations and close outs
More places to get the good stuff
How to profit from bad spelling91 Copyright © 2009 All rights reserved- 6 -
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How to find out what's hot
Appendix A - Check Your Progress
How to use this worksheet
Your New Budget Worksheet
Appendix B: Your Worksheet for Auto Insurance
Appendix C: Facts About Credit Scoring
The factors that make up your credit score
Other factors
If you're turned down for credit
Is Credit Scoring Fair?
What about loans?
What could create an error on your credit report?
Keep a good credit score?
What a credit counselor says
That's right! No more waiting for the mailman to come to your door 7-10 days later.. You can start reading this book instantly!
It doesn't matter if it's 2 AM in the morning, you'll be downloading and reading "Surviving the Recession" within just a few minutes. There's absolutely no risk to you - so what are you waiting for?
| | | | 100% "Better-Than-Risk-Free" Guarantee If you take my book now, and are not satisfied with it for any reason or find any better offer, just contact me during the next 30 days and tell me. I'll gladly and promptly refund your purchase. Without any questions. | | | | |
Here's how to order
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P.S. Don't wait catch your recession beaters now!
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