Our next regular Board of Trustees meeting will be May 12th, 2014 at 6:30 in the Community Room. All are welcome to attend.

Oct 30, 2008

Recession Remedies

Times are tough, and our money is not going as far as it used to. Our utility bills are outrageous, and the rise in the price of gasoline is making the cost of everything else we buy go up too. 

In order to lower our bills and stay ahead, it's more important than ever to stretch a dollar .  Here are some sites that may help:

66 Ways to Save Money

The federal government has published a pamphlet called 66 Ways to Save Money, which gives easy tips that touch upon all the topics on this page.

 

Blogs

About.com's Surviving a Recession  Top 10 Ways to Find, Save and Spend Money During Tight Times

Consumer Tips: Empowering YOU to be a Savvy Consumer
From CNN

Not Made of Money 
A personal finance blog by a husband and wife.

Cheap Gas

Gas prices are higher than we've ever seen them, but they aren't the same everywhere. Here are a couple Web sites that let you know where to find the cheapest gas in your area.


 AAA Fuel Price Finder
Once you enter your Zip code, click on the "Fuel Price Finder" link in the Savings Spotlight box on the right.
Automotive.com
Click on your state and county to see your local prices.
GasPriceWatch.com
Select your location and see the prices in your area.
New York State Gas Prices
From GasBuddy.com, this site shows prices at your local gas stations complete with a map and the time that price was reported.

 

Fuel Efficiency

Saving Money at the Gas Pump
Produced by the Federal Trade Commission, this site offers quick gas-saving tips for different parts of your car, including the tires, the truck, and under the hood.
The Low-Down on High Octane Gasoline
If you think that high octane gas is always the best for your car, you need to read this page by the Federal Trade Commission.
"Gas-Saving" Products: Fact or Fuelishness?
Not all gas-saving products are created equal. Get the facts from this Federal Trade Commission page.
Fuel Economy
This government site allows you to look at the fuel efficiency of different cars, read gas mileage tips, learn more about hybrid cars, and compare cars side by side.
AAA Fuel Cost Calculator
If you're traveling somewhere, this site lets you plug in the type of car you have and tells you how much gas you will use on the trip and how much it will cost. The calculator gives you a list of major U.S. cities to choose from, so you may not be able to find the exact city you are in.

Green Living

The Middleburgh Library has created a guide on Green Living, and many of the resources mentioned on this guide will also help you save money in your commute, your home, and at the store.

Cheap, Healthy Meals

Yes, you can eat cheaply without resorting to junk food.
Food Stamp Nutrition Connection: Recipes Finder
Database started by USDA of cheap, but healthy, recipes for people on food stamps. They'll work for anybody, though.
Low Cost Meals
Meal planning tips and recipes for all tastes from Creative Publishing Services.
Shopping, Cooking, and Meal Planning
Lots of information from the National Agricultural Library.

Coupons Coupons Coupons!

A penny saved is a penny earned, and coupons help you save a lot of pennies. Look at these places that give coupon offers you may not see anywhere else.
CoolSavings.com
Free grocery coupons, online coupons, printable coupons, free offers from top brands, free samples and more.
Coupons.com
Printable coupons for many grocery store items. You need to download special printing software, but it is free.
CouponSaver.org
Coupon Saver has many coupon codes, promotional codes, and coupons that will save you money with your online purchases.
Fatwallet.com
Free online coupons, online bargain shopping, price comparison
MySavings.com
An online community that shares money saving tips and offers. You must register and join to recieve coupons, but it is free.
RetailMeNot.com
Coupon codes for thousands of online stores

Lower Your Utility Bills

There are a lot of tricks to make your house more energy efficient, so you use less gas and electricity and have smaller bills as a result. These sites will help.
light bulbEnergy Efficient Homes | DoItYourself.com
This site has lots of of pages on making your home more energy efficient, including sections on evaluating your windows and doors, insulating, and weatherizing.
Home Energy Saver
This Web site, designed by the Lawrence Berkeley National Laboratory, offers an energy use calculator that can help find the best ways to save energy in your home.
Saving Starts at Home
This guide from the Federal Trade Commission gives energy-saving tips for all areas of your home.
Energy Savers Blog
From the U.S. Department of Energy, this blog provides a place for consumers to learn about and discuss energy efficiency and renewable technologies at home, on the road, and in the workplace.
Energy Savers
Partnerships for Home Energy Efficiency offers links to energy efficiency tips, ENERGY STAR rated appliances, and energy use calculators.
Do-It-Yourself Home Energy Audits
This guide from the U.S. Department of Energy shows you how to conduct your own home energy audit.
Tips for Cutting Your Carbon 
Cool Capital has compiled a list of ideas for reducing your energy use at home.
Maryland State Office of Energy Programs
How to contact your local home energy program office
Office of Energy Programs
From the Maryland State Department of Human Resources

Low Interest Credit Cards

Paying down high-interest credit cards can be one of your biggest monthly expenses. Finding a lower-interest card can reduce your payments and let you use your money more efficiently.
Federal Reserve Board: Choosing a Credit Card
This Web site contains concise explanations about credit cards and terms related to credit cards such as APR, finance charge and variable-rate. This site answers questions for people new to credit cards and people who already have credit cards. Specific topics include: what are APRs, types of cards, what are liability limits, and what to do about billing errors.
Bankrate.com: Best Credit Card Offers
This site allows you to see what different credit cards are available to consumers. You can search for low-interest cards, cards for people with bad credit, or cards with specific types of rewards.


Medical Assistance

Health care costs keep going up, but these Web sites may be able to help.
Help With Medicare Prescription Drug Plan Costs
If you have limited income and resources, there’s a Medicare program where you pay no more than $2.40 for each generic drug and $6 for each brand name drug.


Job Loss - Important Information Workers Need to Know to Protect their Health Coverage
From the U.S. Department of Labor.
New York State Health Insurance Programs
A comprehensive list of New York State Medical Assistance programs.

Protect Your Investments

Are My Deposits Insured? 
Find out how Federal Deposit Insurance Corporation (FDIC) deposit insurance works and estimate coverage on your deposits.
Protect Your Pension - A Quick Reference Guide
This page, from the U.S. Department of Labor, is a brief guide to tell you how to find out who is managing your pension money and explain the rules that pension managers must follow.

Save Your House

The housing boom of a few years ago has become a foreclosure boom today. There are many community organizations who want you to keep your home.

money houseMortgage Foreclosure Resources
A collection of federal government resources compiled by the Federal Reserve Board.
Foreclosure Prevention Project
This pamphlet from the NYS Legal Aid Society outlines where to get help by county.
New York State help for homeowners facing foreclosure.

 

Smart Shopping

 Consumer World  This is a big site with a price checker, links to product reviews, and links to consumer articles from many sources.

mySimon.com Compare prices of electronics, clothing, furniture, books, jewelry, and more.

Thrift Stores

TheThriftShopper.Com Thrift Store Directory
A nationwide directory of thrift stores. Just type in your zip code or city to find stores in your area.
Thrift Store Safety Checklist
If you buy at thrift stores, here are some tips to help you make safer purchases. From the U.S. Consumer Product Safety Commission.

Staycations--Vacations at Home

With fuel prices hitting record highs, traveling has become incredibly expensive. More people are trying "staycations," or stay-at-home vacations. Explore your home state as though you were a tourist.

37 Fresh Staycation Ideas
From SuperEco here are 37 ideas for any budget.
I Love New York Office of Tourism
Find out all that the Empire State has to offer.
Travel and Tourism Sites for the 50 States and U.S. Territories
If you're not from Maryland, look at this site, provided by the federal government, which links to each state's travel and tourism Web page.
Physical Activity for Everyone: Recommendations: Young People
From the Centers for Disease Control, this page has ideas for young people and their parents on staying active. Staying at home for vacation doesn't mean you can't have fun.

Using Your Library

When money is tight, remember that your public library offers many services for free.  Watch movies, borrow books, music and DVDs, use library computers, attend free educational programs and more.  To calculate the value of our free services click here.








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