"I love the concept of the Change Muscle and being a Change Optimist. I am now open to learning the valuable lessons that my changes have brought." -Raveshree
Read More Testimonials»

On the Finances Blog

Bankruptcy: The Power of the Clean Slate

It doesn’t take many clicks online to find writing and advice on how to shape up your finances, even First30Days has a great financial advice section found here. There are...

Read More About Bankruptcy: The Power of the Clean Slate»

Our Frugal Living Experts

Joanne Heim

Joanne Heim

Author of Living Simply: Choosing Less in a World of More

Shared by First30Days View Profile»
Gary Foreman

Gary Foreman

Editor and publisher of The Dollar Stretcher Newsletter

Shared by First30Days View Profile»
Melissa Tosetti

Melissa Tosetti

Editor and publisher of Budget Savvy magazine

Shared by First30Days View Profile»

Meet all of our Finances Experts»

Got A Tip?

Tips

It's Time to Get Frugal!

Icon_tip_1

Welcome to the first 30 days of frugal living! Although you probably expect the next month to be filled with major cutbacks, you’re actually about to experience one of the most fulfilling and rewarding times of your life. By taking control of your spending habits, you are claiming ownership of where your hard-earned money goes and paying yourself back with simple pleasures.

As you begin to spend your money on things that really matter to you and quit shelling out cash for things that don’t, you’ll find your life will become a whole lot simpler. We will provide you with the success stories you need, the money-saving tips you’ll tape to your refrigerator door and the encouragement you deserve every step of the way.

DID YOU KNOW? According to the Market Science Institute, grocers depend on 60% of your purchases to be impulse buys. That’s 60% of your grocery bill spent on things you never intended to put in your cart! Think how much money you could save by simply determining ahead of time what to buy and not falling for fancy gimmicks.

BONUS TIP: Buy store-brand food. It’s usually just as good and way cheaper.

Posted: 12/9/18
«Previous Tip
progresiveloan332

FINANCIAL BREAKTHROUGH

Life indeed is GRACE, I'am Daan Sophia currently in California USA. I would like to share my experience with you guys on how I got a loan of $185,000.00 USD to clear my bank draft and start up a new business. It all started when i lost my home and belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested although i was scared of being scammed, I was compelled by my situation and had no choice than to seek advise from my friend regarding this very company and was given their contact number, getting intouch with them really made me skeptical due to my past experience with online lenders, little did i know this very Company "PROGRESSIVE LOAN INC. was a godsent to me and my family and the entire Internet World, this company has been of great help to me and some of my colleague and today am a proud owner of well organized business and responsibilities are well handled all thanks to Josef Lewis of (progresiveloan@yahoo.com).. So if really you are genuinely in need of a loan either to expand or start up your own business or in any form of financial difficulty, i advise you give Mr Josef Lewis of Progressive loan the opportunity of financial upliftment in your life Email: progresiveloan@yahoo.com OR Call/Text +1(603) 786-7565 and not fall victim of online scam in the name of getting a loan. thanks


fundingloanplc21

Celebrate this Christmas season with joy and gladness in your heart...

I would like to bring this to the notice of the public about how i met Funding Circle Loan PLC after i lost my job and been denied loan by my bank and other financial institution due to my credit score. I could not pay my children's fees. I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i was referred to Funding Circle Plc by a very good friend, so if truly you are in need of a loan i advise you contact this Godsent lender via Email: fundingcapitalplc@gmail.com OR Call/Text +14067326622 and be free from scam' Jennie Cortez by name from United State


julicad111

Author: Julian Caden
Topic: Pregnant at 52 after reunion love spell
Testimony:
-My marriage was falling almost dead due to a bit argument, depression, feelingless and numbed attitudes of my Hubby, he preferred being silent so as to hurt me.
-Although there’re days he has been fine and good to me, we cook, eat and do things together, but we still like stepping on a dozen of eggs, we were not at ease as like before when our marriage was still in an excellent shape. Most times after saying some hurtful words to me like; I cannot bear his children anymore cos of my age. He says sorry and apologize cos he knows that he’s acting passive, numbed and feelingless to me and frustration hits him back again and again.
-I truly love my Hubby and feels guilty of our misfortune, I have always wanted to trace back my wrongs and make some amendments so we can live as a happy family with our children by our side. I was tired of seeing him hurt inside.
-He eventually served me with a divorce letter after 18 years of our blessed marriage. His reason was that we could never work things out together again, I couldn’t bear his children, shutting him off to be involved in my life and affairs, he feels numbed when he thinks of those circumstances.
-I was deeply hurt before consulting Dr. Wakina Love Temple, even though I tried day by day to adjust to the woman of his choice but he didn’t see my efforts.
-At the end, I was put in a better position with my Hubby by Dr. Wakina love spell via his email dr.wakinalovetemple@gmail.com. I’m 7 months pregnant already at 52. It’s a magical work of Dr. Wakina that restored our dream.

TheresaL

SCAMMERS DRAINED AND RUINED ME FINANCIALLY AND LEFT ME HOMELESS BUT THANKS TO UP START LOAN (upstartloan@yahoo.com).

Greetings to everyone, Life they say is full of deceit. No torture and pain can be compare to what i Theresa L. Bernard experience in the hands of scammers, The most annoying part of it is that someone always post of receiving a loan from them which is nothing but lies and strategy to deceive and extort hard earn money from people. I was victimize several times because of that, After reading a post about them i end up trusting them without verifying, I lost more than $12,500 in the quest of obtaining a loan i sold my car defaulted in my bills but i keep on falling victim my life was a piece of trash full of mess. My kids dropped out of school, My bank denied me credit because my credit score was down already about leaving the bank with a broken heart a staff in the bank approach me and say that there is a financial institution called UP START LOAN that say yes even when banks and other financial institution says no. She advised me to give it a try to be honest i was so skeptical leaving the bank without saying a word to her. It was a month later when my eldest son was hospitalized looking up and down nothing to pay for his hospital bill devastated and confused and then i remember what the bank staff told me and i quickly went to the bank to plead with her and inquire on how to contact UP START LOAN and she gave me the details which are Email: ( upstartloan@yahoo.com ) OR call/ text customer service through +1(574) 301-1639 . After following due procedures and comply to their policy in less than 24 hours my credit of $25,000 got approved and transfer to me. I later apply for a home and startup business loan of $350,000 which i receive and i obtain a home at 2076 Simon St, Philadelphia, PA 19124. UP START LOAN is the best. ( upstartloan@yahoo.com or text/call customer service +1(574) 301-1639. Indeed they say yes when your bank and other financial institution says no.
...

chesterbr12

Welcome To Chester Brain Loan Service….(Brianloancompany@yahoo.com)

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.Our loans Are well insured for maximum security is our priority, Our leading goal is to help you get the service you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate @2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

Interested applicants should Contact us via email: {Brianloancompany@yahoo.com } OR text (803) 373-2162

Thanks for your cooperation
Chester Brain..

twiladennis

I am in my early 40s and have never had a happy relationships or marriages because of the terrible mistake I made in my youthful age (15 years ago), though I have been married for 3times now. This story is ugly but I must share it to clear my conscience and pave the way for a new beginning in life. I broke two homes; their marriage did not mean anything to me as much as I gets what I want. It was fun until I got married, then karma started. My first husband was a cheating machine with both women and men, the second was nothing to write home about. I visited a therapist immediately the second left, to make sure I do not have broken home again, but the third which I have married for a year and two months took in another girl and demanded I leave his house. I did not see that one coming. To cut it shot; dr. wakina via (dr.wakinalovetemple@gmail.com) showed me mercy by rewriting history with a special love spell. Asked me to first go and plead for forgiveness from the homes I broke before the spell can take effect, it was not an easy task, in fact it was a suicide mission but was success. The spell took effect immediately I forgave myself, something strange began to happen, I saw shadows running off my body that morning, my husband who despised me so much did not only call but came to pick me from work to a romantic dinner. Over a year now, my husband has remained a loving and romantic man. I learnt my lesson. Thank you doctor wakina.

chadjeff120

I gave Dr. Alli a call regarding sudden change of my wife and he made it clear to me that my wife will love me till the end of the world,that she will never leave my sight. Now me and my wife is back together again and has started doing pleasant things she hasn’t done before, he makes me happy and do what she is suppose to do as a woman without nagging. Email him for any kind of help you may need Email: allispellhelp1@gmail.com Or Phone number:+2348100772528,.,

chadjeff120

I gave Dr. Alli a call regarding sudden change of my wife and he made it clear to me that my wife will love me till the end of the world,that she will never leave my sight. Now me and my wife is back together again and has started doing pleasant things she hasn’t done before, he makes me happy and do what she is suppose to do as a woman without nagging. Email him for any kind of help you may need Email: allispellhelp1@gmail.com Or Phone number:+2348100772528

nicdave111

Sometime late September last year, I needed help for a bring back love spell after reading great reviews on Dr. Wakina and his love spell. I had a situation which I desperately needed a supernatural help on, every physical efforts made to rescue my husband has always failed. My husband stopped loving and caring for me and our children after 7 years of happy home. He did so much wrong to me, I encountered so many domestic violence from him, he turned into a professional liar, and the worst of all, and he started using drugs and alcohol. I couldn’t bear his torture anymore when he wanted a divorce. I couldn’t afford to lose my husband to a strange spirit, I knew him to be a loving man before we got married, but I didn’t know what came over him.
Doctor Wakina love spell was so great and powerful, my estranged husband’s attitude and urge for evil changed just after 8 days of the completion of the love spell. The reasons why I can recommend Dr. Wakina to anyone are, his love spell is real and it works, Doctor wakina don’t cast love spell that is against anyone’s wish and his love spell lasts for eternity. I have been observing my husband’s behavior for more than 9 months, he is still the same, he has never stopped loving me again, the love keep growing each day and we keep prospering with the blessings that follows Doctor Wakina’s love spell. That’s the reason why I can recommend him to anyone event to my worst enemy… to email him via dr.wakinalovetemple@gmail.com

lovermacoo

my name is laura On this day i am very happy to tell the
world that Evelyn is back to me thanks
to Dr. okuku who use is great powers
to cast a spell that brought Evelyn back
to me within 48 hours. I really want to
tell the world that Dr. okuku is genius
and powerful this means that is
capable to restore any broken
relationship or marriage just within the
period of 48 hours. And due to the fact
that Dr. okuku is very helpful and
must people will need is help to restore
there relationship or marriage i will
write out the contact via email:
{okukulovespell@gmail.com} or call or
add hem on whatsapp or viber
+2347063836098 Believe
me Dr. okuku is the right person to
restore your proplems just exactly
the way you want it to be.
laura obe
FROM USA

diegoloans

Good Day,

I'm Mr. Mason Diego. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way, Personal Loan, Car Loan, Home Loan, Student Loan, Business Loan, Inventor loan, Debt Consolidation. etc

Get approved for a business or personal loans today and get funds within same week of application. These personal loans can be approved regardless of your credit and there are lots of happy customers to back up this claim. But you won’t only get the personal loan you need; you will get the cheapest one. This is our promise: We guarantee The lowest rate for all loans with free collateral benefits.

We strive to leave a positive lasting impression by exceeding the expectations of my customers in everything I do. Our goal is to treat you with dignity and respect while providing the highest quality service in a timely manner.

No social security Number required and no credit check required, 100% Guaranteed.

To Apply Email: diegoloancompany@yahoo.com or visit: Link thanks

gloryfred

GOD BLESS THE DAY I CAN BE-LIVE THIS WHAT DR OGUMEN HAVE DO FOR MY LIFE

Hello my name is GLORY FRED from USA, My life is back!!! After 8 years of marriage, my husband left me and left me with our three kids. I felt like my life was about to end, and was falling apart. I contacted you and after I explained you my problem. In just 3 days, my husband came back to us and show me and my kids much love and apologize for all the pain he have bring to the family. We solaed our issues, and we are even happier than before you are the best spell caster Dr OGUMEN i really appreciate the love spell you castes for me to get the man back to my life i will keep sharing more testimonies to people about your good work Thank you once again at (ogumensolutioncenter@yahoo.com ). in case you are in any problem you can contact this man for help he is always there in his temple to help you solve your problem Contact Email is (ogumensolutioncenter@yahoo.com )

unicorn

i like to read this e-mail alot

ugg5825boots


Ugg Classic Boots are the latest craze all over the world. Whatever your outfit,these Classic Ugg Boots will accessorize with style. These ugg boots are a huge hit this winter. Purchase a pair of Cheap Ugg Boots online is the benefit of warm and fashion.
Women ugg boots Sale,The Cheap Bailey Button Triplet UGG Boots 1873 have been the most successful design in this year. After the great success of Bailey Button Ugg Boots, UGG boots on sale designed the UGG Bailey Button Triplet Boots on the same design concept to meet the customers' need of Classic Tall Ugg Boots. Owing to the tall upper, Ugg Bailey Button Triplet Boots are able to be designed with three large beautiful wooden buttons on the side, which attract more women in the world.
NEW ARRIVALS UGG BOOTS on sale at our outlet online store should be your trused ugg boots online shop, remember our ugg boots for sale here. I am one of the fans of ugg winter boots, i love the ugg snow boots, especially now in winter. I am afraid of cold weather.Ugg boots australia ugg Boots are made from Quality Australian Sheepskin Materials.winter boots,
australian ugg boots,New Arrivals Ugg Boots, Ugg Classic Boots UGG Bailey Button Boots UGG Bailey Button Triplet UGG Classic Argyle Knit UGG Classic Cardy Boots UGG Classic Mini Boots UGG Classic Patent Paisley UGG Classic Short Boots UGG Classic Tall Boots UGG Classic Tall Metallic UGG Fringe Cardy Boots UGG Knightsbridge Boots UGG Mayfaire Boots UGG Nightfall Boots UGG Roxy Short Boots UGG Roxy Tall Boots UGG Stripe Cable Knit UGG Sundance II Boots UGG Tassel Short Boots UGG Ultimate Bind Boots UGG Ultra Short Boots

UGG Adirondack Boots II UGG Adirondack Tall Boots sale UGG Chrystie Boots UGG Elsey Boots UGG Felicity Boots UGG Gissella Boots

zhanghua

UGG 1762 Halendi
UGG 5304 Fluff Flip Flops
UGG 5833 Classic Crochet
UGG 5245 Ultra Tall
UGG 5225 Ultra Short
UGG 5202 Infant's Erin
UGG 5831 Short Paisley
UGG 5854 Classic Mini
Ugg 5802 Women's Classic Tall Romantic Flower
UGG 5819 Classic Cardy
UGG 5825 Classic Short
UGG 5815 Classic Tall
UGG 5879 Argyle Knit
UGG Gypsy Sandal
UGG Felicity 5450
UGG Adirondack Tall 5498
UGG Broome 5511
UGG Roxy Tall 5818
UGG Highkoo 5765
UGG Seline 5595
UGG Payton 5654
UGG Elsey 5596
UGG Liberty Tall 5509
UGG Womens Corinth 5756-Cocoa
UGG Womens Butte 5469 Chestnut
Women's Adirondack Boot II in obsidian 5469
UGG Amelie Sandal 1688
UGG Women 5608 Langley Soho
UGG ultra tall Chrystie 5512
UGG Handbags

Link
Cheap bose in-ear headphones
Cheap bose on-ear headphones
discount bose on-ear headphones
discount bose in-ear headphones
discount bose headphones
cheap bose on-ear headphones
bose headphones
discount bose on-ear headphones
cheap bose headphones
lizong

zhanghua

[link=http://www.114gaokao.cn]lizong[/link]

[link=http://www.uggboots-1.com]Link[/link]
[link=http://www.uggboots-1.com]cheap ugg boots[/link]
[link=http://www.uggboots-1.com]women's ugg boots[/link]
[link=http://www.uggboots-1.com]discount ugg boots[/link]


[link=http://www.uggboots-1.com/ugg-5822-stripe-cable-knit-c-142.html]UGG 5822 Stripe Cable Knit [/link]


[link=http://www.uggboots-1.com/ugg-5304-fluff-flip-flops-c-127.html]UGG 5304 Fluff Flip Flops [/link]
[link=http://www.uggboots-1.com/ugg-5833-classic-crochet-c-122.html]UGG 5833 Classic Crochet [/link]
[link=http://www.uggboots-1.com/ugg-5245-ultra-tall-c-108.html]UGG 5245 Ultra Tall [/link]
[link=http://www.uggboots-1.com/ugg-5225-ultra-short-c-119.html]UGG 5225 Ultra Short[/link]
[link=http://www.uggboots-1.com/ugg-5202-infants-erin-c-128.html]UGG 5202 Infant's Erin [/link]
[link=http://www.uggboots-1.com/ugg-5831-short-paisley-c-121.html]UGG 5831 Short Paisley [/link]
[link=http://www.uggboots-1.com/ugg-5854-classic-mini-c-114.html]UGG 5854 Classic Mini [/link]
[link=http://www.uggboots-1.com/ugg-5802-womens-classic-tall-romantic-flower-p-363.html]Ugg 5802 Women's Classic Tall Romantic Flower [/link]
]
[link=http://www.uggboots-1.com/ugg-5825-classic-short-c-141.html]UGG 5825 Classic Short [/link]
[link=http://www.uggboots-1.com/ugg-5815-classic-tall-c-139.html]UGG 5815 Classic Tall [/link]

[link=http://www.uggboots-1.com/ugg-broome-5511-c-144.html]UGG Broome 5511 [/link]
[link=http://www.uggboots-1.com/ugg-roxy-tall-5818-c-154.html]UGG Roxy Tall 5818[/link]
[link=http://www.uggboots-1.com/ugg-highkoo-5765-c-152.html]UGG Highkoo 5765 [/link]
[link=http://www.uggboots-1.com/ugg-seline-5595-c-145.html]UGG Seline 5595 [/link]
[link=http://www.uggboots-1.com/ugg-payton-5654-c-157.html]UGG Payton 5654 [/link]


[link=http://www.uggboots-1.com/ugg-handbags-c-93.html]UGG Handbags [/link]

[link=http://www.headphoneonsales.com[/link]]Link[/link]  
[link=http://www.headphoneonsales.com[/link]]Cheap bose in-ear headphones[/link]
[link=http://www.headphoneonsales.com[/link]]Cheap bose on-ear headphones[/link]

[link=http://www.headphoneonsales.com[/link]]discount bose headphones[/link]
[link=http://www.headphoneonsales.com[/link]]cheap bose on-ear headphones[/link]
[link=http://www.headphoneonsales.com[/link]]bose headphones[/link]

[link=http://www.sunglasses-kings.com]Link[/link]  
[link=http://www.sunglasses-kings.com]Discount designer Sunglasses[/link]
[link=http://www.sunglasses-kings.com]design Sunglasses [/link]
[link=http://www.sunglasses-kings.com]Discount design Sunglasses [/link]
[link=http://www.sunglasses-kings.com]cheap design Sunglasses [/link]

[link=http://www.sunglasses-kings.com/burberry-c-11.html]cheap Burberry Sunglasses [/link]
[link=http://www.sunglasses-kings.com/armain-c-5.html]cheap armain Sunglasses [/link]
[link=http://www.sunglasses-kings.com/adidas-c-16.html]cheap adidas Sunglasses [/link]
[link=http://www.sunglasses-kings.com/dg-c-2.html]cheap D&G Sunglasses [/link]

zhanghua

cheap women's ugg boots
discount ugg classic boots
lizong
UGG 5815 Classic Tall
UGG Classic Tall UGG 5815 Black
UGG 5825 Classic Short
UGG Classic Tall UGG 5815 Chestnut
UGG Classic Tall UGG 5815 Chocolate


Cheap bose in-ear headphones
discount bose in-ear

Discount designer Sunglasses
design Sunglasses
cheap Oakley sunglasses
Discount Oakley sunglasses
Oakley sunglasses
2010 Oakley sunglasses


cheap uggs
cheap ugg boots
discount ugg boots
ugg boot
ugg classic
ugg boots sale
ugg 5815
cheap ugg 5825
ugg 5825
womens ugg boot

RubyFaye

I rarely buy anything that isn't on sale, or cheap to begin with.

We only have two markets in our small town, plus three small department stores that carry quite a selection of food and household items that one would normally buy in the grocery store.

Living in a small town has it's advantages. Even though the selection is limited, I don't have to travel far (saves on gas) and don't have so many markets to choose from that it drives me crazy.

I've learned where to buy what on my regular items, unless I find it on sale somewhere else. I buy in bulk on sale items also. On average, I save about 33% on my grocery bill.

My next big undertaking is going to be starting and maintaining a year-round garden. It's been difficult because of chronic pain issues, but I'm devising ways to garden in easier ways, like container gardening, and raised bed gardens, etc.

thatwoman

There are 'levels' of store brands where I live:

* premium (priced very close to national brands)
* house (lower priced)
* discount, sometimes called NoName (very low priced)

The quality varies dramatically between the top and bottom, with the top sometimes being even better than national brands and the bottom being... ew, so much lower.

For things like waxed paper or laundry detergent, there is often so little distinction that the discount brands are the best deal, other times the discount brands are quite disgusting, low-grade and not worth half what they're priced at.

P.S. National brands will sometimes go on sale to lower than the mid-range house brand pricing, which matters if you prefer that item