Budget Concerns & Tips

[Davidlastink]

Well I think keeping your money and saving where you can are major for any prep/survival plan.

So here are a few Tips I have picked up along my travels.

1)Cell Phones ( on of the biggest costs for many people)

Picked up a contract and stuck with a bill and phone you don't want or need?You have 30 days to cancel, but be careful some companies are limiting this down to 15 days.
If you are getting a phone look too third party retailers like Best Buy for deals that beat out providers (Some times Best Buy beats others as much as $100)
Call in an complain, I have shaved off $80 from my hefty family plan rate by simply being shrewd and calling companies on their BS. (current is At&T, Talk to customer retention department and this works better if your near/ out of contract)
Get the newest phone, often trade in value surpasses new phone costs and in some cases will cover an early termination fee.
For example the Galaxy S4 trade in value is around $250 which if you picked it up when it came out your contract cancellation should be around if not close to $250, don't settle for an older model phone.
Most insurance is a scam, however you really want to be careful here and weigh your pros and cons. check in with YOUR local corporate store and see if they will be able to repair, if not you are looking at a deductible payment that can be as high as $200. Most phones come with 1 yr manufacture for product defects, also some insurances don't cover accidental damage or lost/ stolen phones.
A LOT of "pay" apps/ features you find on a phone are offered free and work just as well if not better. (Examples which are majorly betetr for free are phone tracking security apps vs provider services which carry a monthly fee)

2) Grocery & Gas

Gas discounts often don't pay off. 20 cents off per gallon is not much if you have to spend a lot to get it. spending say $200 to save $4 can cost you. You may end up paying more for say Milk, even 10 cents extra here and there eats away that savings. (Sunoco is also ALways 10 cents higher than everyone else in my area)
Coupons even on a small scale save you money, go online and get loyalty cards. Heck I even look through the Sunday paper and if I see a good coupon then the paper is basically free.
Look out for Gas Sale days, around me Wednesday is the big day most people are on sale.
Non-Perishables in bulk sometimes are better bought online rather than Costco/SamsClub.
Sell-by does not mean gone-bad, pick up the cheap bread and have some samiches.
Driving 10 miles to save $2 is not worth it more often than not, sometimes the overpriced place is actually going to save you money.

Feel free to chime in and add, ask questions etc.

[Rick]

Good stuff, David....

Actually, you're generally money ahead if you purchase a phone outright and don't take a contract. I haven't had a contract with my carrier for two years. Thinking of getting that free phone with a 2 year contract? You might wind up paying more for the phone through the contract than if you bought it outright. So do the math before you sign on the dotted line. You might also choose a carrier that does not require a contract like T-Mobile.


Here's a rating on national providers to see who is the best (at least based on the ratings)

http://www.pcmag.com/article2/0,2817,2402204,00.asp

Figure out what you NEED vs. what you want and don't get oversold on the bells and whistles. I rarely make a cell call and almost never text. I don't need an iPhone.

Look at the government's Lifeline program for low income families. If you qualify you get a free phone and 250 minutes a month, call waiting & Caller ID. Not all states are included however.

http://www.fcc.gov/guides/lifeline-and-link-affordable-telephone-service-income-eligible-consumers

Look at the upside. Cell phones today are equipment with GPS so if you get lost in the bush and you still have cell service they can find you. :cool:

[randyt]

Get lost in the bush?????? I've never been lost but have been mighty bewildered for a few days LOL.

[Rick]

Not everyone is as .... um ..... well reckoned as we are.

[randyt]

I use a straight talk phone. It works good for my needs a little bit of texting, phone calls and voice mail. Been thinking about closing my office and using the services of a answering service.

[Winnie]

Can't disgree with any of that. My phone is over 12 years old, it does what I want it to, I think I top it up once a month or so with the minimum. I also have a landline that is included in the broadband package and is free to use evenings and weekends. I don't drive, so no fuel bills, and the coupon thing doesn't exist to the extent it does over yonder. I have just had a water meter fitted. That looks like it will save me about £200 a year. I think that is where a household should look to make savings, utility bills, not just electric, but gas and water too. Since moving into this new house that is insulated to the gunnels, my gas heating has hardly been on. If you really must have this or that, check out the secondhand stores first.

[crashdive123]

This thread jogged my memory about a thread quite some time ago. Here's the thread. http://www.wilderness-survival.net/forums/showthread.php?4953-Preparedness-on-a-budget&highlight=preparedness+budget

Here's a post I made in it.


OK – Here’s the approach I took on this one. I went to Walmart. Most of the items are in the camping/sporting goods area. The first aid kit came from the pharmacy area. Now admittedly this is not the best kit you can put together. I wanted to see if you could put together “something” to help you in a pinch within the parameter of spending $100. Right now I am fortunate enough to be in a position that if I needed $100 worth of gear I could go out and buy it. It has not always been that way in my life though. So, after I priced everything at Walmart I decided to see where I could save even more money, or improve the quality of some of the items.

Ozark Trail Hooded Poncho $0.88
Portable Aqua Plus $5.88
Hatchet $7.88
Water Resistant Stuff Bag $3.96
Laker – 75 Piece Hook/Swivel/Sinker Kit $1.76
OmniFlex 12lb Fishing Line (980 ft) $2.50
Coleman King Size 20* Sleeping Bag $21.88
Winchester Woody Fine Fixed Blade $14.88
Duck (yes Duck) Tape – 10 yards $1.00
Husky .7 Mil 9X12 Drop Cloth $1.38
Ozark Trail 6X8 All Purpose Tarp $4.68
2 Pack 7 ounce Sterno $3.86
18 oz Enamel Cup $2.88
Bic Lighter $1.00
Ozark Magnesium/Flint Bar $6.88
Ozark Light Sticks (2 Pack) $2.00
Ozark Compass/Whistle/Magnifier/Thermometer Combo $3.88
2 Pack Emergency Candles $2.28
Ray-O-Vac LED Key Chain $2.00
Ray-O-Vac Value Bright Flashlight (2- AA) $1.00
Cliff Bar Oatmeal Raisin Walnut (2) $1.96
First Aid Kit $5.64
30 adhesive bandages 3/8 X 1-1/2
20 adhesive bandages ¾ X 3
5 butterfly closures
10 cotton swabs
4 finger splints
4 sterile gauze pads 2 X 2
2 sterile gauze pads 4 X 4
1 roll adhesive tape ½ X 2.5 yards
2 exam gloves
1 instant cold compress
2 antibiotic ointment packets
12 alcohol prep pads
1 instructions

Total Cost $100.06

First item – emergency poncho. If you have nothing else, they will work about as well as a large (yard) trash bag. Replace poncho with a couple of trash bags that you have around. Savings .88

Aqua – well I suppose boiling and filtering the water could save a few bucks if needed. Throw some coffee filters or an old t-shirt for removing the big chunks before boiling. Savings - $5.88

Hatchet. Might be able to find one cheaper at a garage sale. Do I really need it. I know I want it. How about fashioning a chopper out of an old lawn mower blade? Savings - $7.88

Water resistant stuff bag – The purpose of this was to hold all of the “stuff” look around the house. There is probably something that can be used. An old pack, a suitcase, plastic tote. Replace the bag with something on hand. Savings $3.96.

The fishing gear. There are a lot of fishermen (and women) out there. I’ve got a small tackle box with those items in it. Around where I live a lot of fishing takes place from the bridges and jetties. Gear is getting snagged all the time. You can’t walk on the shore near one of those structures and not find any gear. Replace fishing gear with items on hand. Savings - $4.26.

The sleeping bag – Look in your closets. Got any extra blankets, quilts or comforters. Depending on your climate these can substitute. Savings - $21.88

Knife -look around the house. Got any kitchen or utility knives that aren’t being used? Check yard sales you may be able to find pretty good quality at a big savings. There are several threads on here about making your own from old files or scrap metal. Try it. Savings - $14.88.

Duck Tape (it really is Duck brand) – Got any extra laying around in the garage? If you do – Savings - $1.00

Painters tarp – replace with several more lawn bags. Savings - $1.38

The tarp – check around the garage, I’ll bet you have one already Replace with one on hand. Savings $4.68

2 pack of Sterno – Read the threads on pepsi can stoves – make one (they are really easy to make). Now take a look in your medicine chest. Grab that bottle of isopropyl alcohol. Grab a coat hanger (wire) to make a pot stand. Replace Sterno – Savings - $3.86

Enamel coated cups are good to boil water or cook food. Look in the kitchen cabinets. I’m sure there is a pot or two that aren’t being used. A used coffee can with a wire handle makes a great billy can. A small veggie can (use one without the plastic liner) makes a serviceable cup. Replace cup with items on hand. Savings - $2.88.

Bic Lighter – if you don’t have one laying around the house – head out to the smoking area at work and ask for one. Another option – walk into your local watering hole – they always have books of matches in bowls. Grab a handful. I don’t particularly care for them, but better than nothing. Savings - $1.00.

mag bar – Is there any natural flint in your area? Some natural fling, a steel bar (you can always find some scrap) and a bit of char cloth. Savings - $6.88.

Whistle/compass/magnifier combo – you may be able to find something cheaper – I’ll keep this for now.

Emergency candles – rummage through those kitchen drawers or go to a local restaurant that has those glass bowls with a candle in them (you know the ones – they’re usually red with plastic netting. Talk to the manager – ask for the ones that they are getting ready to toss, take em home and melt the wax to make your own. Either way – Savings $2.88.

The two lights – pretty good price on those, but…….is there a job fair or trade show in town? The vendors love to attract people by giving away free things. One popular give away is LED lights. Grab a handful. I went to the Jaguars / Colts game tonight (Jags lost) they gave away flashing light sticks that would certainly draw more attention than the chem. Lights. I’ll bet if you look around the house you’ll find an extra light someplace. Use it. Savings - $3.00.

Cliff bars – grab anything in the kitchen that will keep. Peanut butter, sardines, Raman noodles, crackers, cereal, pop tarts. Savings - $1.96.

The first aid kit – most households have some basic first aid supplies on hand. It’ll probably surprise you what you find in the back of the medicine chest. Savings - $5.64.

OK – If I were to find replacements for everything I listed, I would be down to $3.88 because I kept my cheap whistle and compass. You may only replace a few items. I’m missing some useful gear with my list. No cordage other than the fishing line. Maybe there’s some around the house that I can use. No signal mirror – grab an old CD. My intention with the exercise wasn’t to make a complete – “I’m going into the woods for a year kit”, but rather illustrate that we can put together some items that will help us out in a jam, and do it on a budget. With what you save by using items that are already at your disposal you will have the extra $$$ to purchase the items that are not.

Good thread Remy – thanks for starting it.

[Rick]

Jeeze, there's a name I haven't seen in several years.

[Wildthang]

Get rid of your satellite or cable and put up an antenna as long as you can get locally broadcasted channels! I installed an HD antenna in my attic and discovered that I can get aroound 30 channels. So now I am not paying $120 per month to watch commercials, I just watch them free now:smartass:

[crashdive123]

Get rid of your satellite or cable and put up an antenna as long as you can get locally broadcasted channels! I installed an HD antenna in my attic and discovered that I can get aroound 30 channels. So now I am not paying $120 per month to watch commercials, I just watch them free now:smartass:

What antenna would you recommend? Mine will have to go on the outside (no attic), but looking at cutting back a bit, and that seems like a good choice.

[Davidlastink]

Good stuff guys. As for cell contracts ricks right about your basic caller phones but never ever go with a smart phone and ppurchase it no contract. There is no advantage as a new smartphone ever the "cheap" ones will run you $500. Then a hefty plan even no contract plans.

Am a big fan of the walmart clearance section especially for vitamins and firstaide stuff.

[Ken]

Am a big fan of the walmart clearance section especially for vitamins and firstaide stuff.

Dollar Stores. My GF and kids have to drag me out of those places. :blushing:

[Davidlastink]

don't buy the tooth paste! I get stuff for 56 cents which is the clearance price for most cheap items in walmart... my wife hates it lol.

[Ken]

I stock up on toothpaste when it's on sale AND I have a coupon or additional loyalty discount at the grocery store or a local pharmacy. I'll prolly wear my teeth out before I use up my supply, LOL.

There isn't a single McDonald's in town, but you can't drive 5 blocks down a main road without seeing a pharmacy, a pizza joint, or a Dunkin Donuts. There are less than 3,000 people for every pharmacy and Dunkin Donuts in town, less than 2,000 for every pizza shop.

[RangerXanatos]

There's a thread here somewhere about making your own laundry detergent. For the past several months, we've been making our own uber simple detergent, softener, and deodorant. I'm not sure, but I think the recipes we use are as follows:

Detergent:
1 bar Fels Naphta soap
1 cup of Washing soda
1 cup of Borax
Grate up the bar of soap as fine as you can, mix in the other powders. To use, place one tbsp per load. A little more can be added if desired. *I've heard of others mixing in OxyClean in with the powders as well but we haven't.

Fabric Softener:
1 bottle of hair conditioner of your choice
3 cups of white vinegar
6 cups of hot water
Melt the conditioner in a small pot of hot water, add the vinegar and mix thoroughly. Use 1 oz per load.

Deodorant:
Coconut oil
Baking soda
Corn starch
Mix small amount of baking soda and corn starch into the oil till it gets the consistency you desire. Place inside of an empty jar or used deodorant container. I use a small tupperware and soften it up in my hand before applying. In my experience, you don't need as much of the powders as you think. It will make the deodorant too hard and may become too abrasive. Normal deodorant irritates my skin and this has been a blessing to me. *You can also add teatree oil as it is also antibacterial and aromatic.

[pete lynch]

In my area we have:
Harbor Freight
Ollie's Discount store
Goodwill
Big Lots
Dollar Tree (!)
Family Dollar
Walmarts (clearance aisle)
Salvation Army
Not to mention so many yard sales it's a wonder you are not required to hire a traffic cop to prevent folks from getting run over when they have to cross the road!
Those yard sailors (salers?) never look where they're going.

[Davidlastink]

Yeah, never been to a salvation army or goodwill until I moved out of the city. I now buy many a gift there from the knick knacks they have, you can get some really nice gifts for $10 if you know some one who likes knick knacks.

I would put growing your own veggies but its only a saving if you don't outlay too much every year. But Gardening if done with a budget forward frame of thinking can net you better produce at a much fairer price.

Kids eat free. Tues/Thurs Denny's, 4-pm IHOP, several other restaurants. I once Had a dinner with me the wife and 3 little ones left a 25% tip and and after a coupon (Denny's allows both coupon and kids eat free) spent $11.

Doubletake deals from coupon clipper has some nice $5 coupons on many places. Also entertainment/ save around books, if you use them because you normally end up paying $20 to a fund raiser for them but I always get full use.

Many places, mechanic shops etc match competitors coupons. I have never paid more than $20 for a synthetic blend oil change. (I could change myself... but time/ cost comes out to the same on a good day. Oil+Filter seems to run the same price.

[Oddmott]

Princess Auto - surplus aisles have been a blessing to me.

Was in a few weeks ago to get some hoses and gaskets for a small engine... managed to walk out with almost EVERYTHING my new bride and I needed to start container gardening (spades, rakes, hoes & various dirt scratchers, 8x five gallon pails, 2x 75ft hoses, nozzles, 15 planting trays, 2x 36 gallon water barrels, plant snips, 6 bags of fertilizer and more) for under $100.

Also picked up some electronics stuff like an HD antenna and HDMI cables for under $30.

Pretty awesome store for any jacks-of-all-trades.

Also - Youtube.

Considering building something from scratch? There's a tube for that.
Considering fixing something without paying a tradesman $60-80 for 15mins of work? There's a tube for that.
Considering improving the efficiency of something mechanical? There's a tube for that.

[Wildthang]

What antenna would you recommend? Mine will have to go on the outside (no attic), but looking at cutting back a bit, and that seems like a good choice.

First of all, go to a website called antenna.com.........I think, and it will give you which channels you can receive at your address. If you have a lot of close broadcasting stations, you can get by with a $50 dollar 30- 50 mile antenna.
One side benafit is that if you have nearby HD broadcasting station, the picture reception will be superior to cable because of the digital conversion that cable and satellite uses.
I got an antenna at Menards for about $60 bucks that gets everything I need. Plus in the summer we don't watch TV much anyway, so we won't even miss the satellite system!
There are several antenna websites that will tell you the available channels and the signal strenght you can expect from each one of them, so check that out and let me know. Amazon has a lot of good deals on antennas and I will help you choose one if you need me to!

[Davidlastink]

dont forget older TVs may need a converter box or the antenna will need one depending where you live. Like NYC for example.

[randyt]

I don't know if it was mentioned but flea markets can be a good place to find deals.

[hunter63]

One would be advised to look over you bank and credit card statements closely......
Seems many banks have been bought out, have new owners and policies.

Caught a charge for checking, supposed to be free....and it was reversed.
Escrow accounts, and Christmas Club are being discontinued and changed over to saving accounts, with min balances, or they charge you...got this changed back, at least for a year, ...now two.

Credit card showed a renewal for a virus scan software up grade, computer has been dead for 2 years...got that fixed....

Keep getting bills for renewals on car insurance that I don't have, or warrenty extensions that you don't have....

Just seems like you have to watch everything, all the time.

Re-bid out your insurances for the best deal....my company will match costs.

Yard sales and flea markets don't save me any money, I just buy a lot of cool stuff, that I didn't know I needed till I saw it....LOL....But it was a good deal.

[randyt]

Hunter, I bet you're a hoot at a flea market LOL. Where else an a fella get boiled peanuts?

[Davidlastink]

I'm leery of quality at flea markets and the stuff you might buy like antiques etc usually don't fall into my budget situation in terms of saving. I do like goodwill/salvation army for this stuff and there is a place to go back to in case of issues.

Speaking of Flea Markets you can get some decent knockoffs, but this may be walking a line in terms of piracy etc that people might not like.

[hunter63]

Hunter, I bet you're a hoot at a flea market LOL. Where else an a fella get boiled peanuts?

That's the problem, sometimes I get a deal just because I could talk him/her down....it the fun of it....LOL

Or even funner, offer double the price, and after you walk away, watch them scratch there heads ...."What about that did we miss...?"

[Davidlastink]

That's the problem, sometimes I get a deal just because I could talk him/her down....it the fun of it....LOL

Or even funner, offer double the price, and after you walk away, watch them scratch there heads ...."What about that did we miss...?"

Likely to have some one turn you down thinking they have a much more valuable item then they thought lol.

Haggling is fun tho but I don't go to flea markets to save money lol.

More tips:
Use less detergent when you wash, especially in HE machines. I use all clear or w/e and one big samclub bottle last my household, of 5, 3+ months. Clothes come out nice and clean too just make sure to pre treat stains.
I also Line dry unless I must have something cleaned RIGHT NOW. I then run a quick cycle in dryer to finish off.
Lint has many uses so save it worst case you can always toss it later.
Samsclubs, at least around me will cut any meat you purchase from them and if you ask nicely separately pack and then wrap for you.

Asking for stuff stores might just see as trash can net you big gains. (Recently got a bunch of plant trays for free)

Posting you have scrap etc on craiglist will sually get soem one to come out and PAY you to take it away. Same for trees of some kinds.

[Rick]

If you have hospital bills go over them like a hawk. If they lump things like $356.23...Code 16523.34. Make the call and ask them to itemize it. If they refuse then tell them you can't pay them until you have a itemized bill. A nickle to a cup of coffee they change the charge. I received one last month that I knew was wrong because it didn't add up to my copay. I called them and they said, "don't worry about it we're going to run it back through insurance." They were only 9 months PAST their contracted date with my carrier to be able to submit a claim. They just tried to slide one through.

[Davidlastink]

More Tips:

Although eating out isn't the best way to save money if you do Then snack before hand. Yep eat at your house to fruit drink some beverages get satiated but not full. Then you can skip the $15 worth of apps. Also skip desert and go to some place like Sweet Frog where you can buy by the ounce. Ounce of frozen yogurt some fresh berries a bit of whipped cream normally don't spend more than $2 for a nice size desert.

Do a quick plan of your daily excursion. The back and forth in a day can eat your fuel and cost you big bucks. Going to the store then back home to later go out to almost the same location? Try to do both at one time and cut that fuel consumption in half.

[hunter63]

I do a yearly audit, on bills expenses, and such.

There are two areas that are of concern....actually 3 with health care, getting to the age of change over form reg to Medicare etc, plus supplemental.
That is a project in of it's self.

The two that I feel can be improved on are media, and insurance.

Add up what you are paying for phone(s), TV, (discussed), and internet service........I was appalled at how the couple of bucks a month seem to "creep" the bill, real gradual....and bingo.

Insurance , same thing, and after a few calls and estimates, was able to cut back on older vehicles, toys, increase homeowners, and add a identity protection plan......at a lower cost.

All the make "your own tips" and such are a great saver, but the PITA monthly bills, are a lot of work, but more bang for the buck....if you can put the effort into it....big results.

Just like buying a car, showroom price isn't the price.....the back room is where they make the money....Plans, intrest rates, warrenties, etc.
Most people don't like dealing with these issues, but can really be an eye opener.

[Davidlastink]

I call up and say, lower my bill... they squirm on that one lol.

[Winnie]

Credit Cards.
One piece of advice I would pass on about credit cards, set up a direct debit for the minimum amount, then if for some reason you forget, at least you're not going to get slammed with a non payment charge. Also, if you're going to have them, have two cards, but only ever use one. The other company will constantly offer you 0% balance transfer offers. I generally wait to buy a large value item until I get one of these, whack it on the card I use, then transfer the balance to the one I don't. The secret to making this work is to adjust the direct debit to pay off the balance within the time and you pay no interest, but you must be committed to making the payments. Miss one and the whole house of cards comes tumbling down. Make them work for you, not vice versa.
And NEVER EVER use your card to get cash!

[crashdive123]

Speaking of credit cards.....

Use them as a convenience, not to purchase something you could otherwise not afford. I''m talking about purchases, not emergencies.

[Davidlastink]

Speaking of credit cards.....

Use them as a convenience, not to purchase something you could otherwise not afford. I''m talking about purchases, not emergencies.

I carry a card as a means to not carry cash, not because I don't have cash. My father always said only spend the money you have in your pocket today because tomorrow's money ain't here yet.

If you must use a card understand that you should calculate payment on a 12 month plan at the least. Keeping a balance on a credit card is the worse thing you can do, unless for some reason its a 0% interest card that won't ever go up.

A small trick I use is to process 2 payments a month for the minimum, While it comes out as the same its sometimes easier to make 2 smaller payments one each pay cycle for many people, than one large one. It also ensures you don't miss a payment deadline.

[hunter63]

If you don't carry a balance, and pay off in full when ever used....no intrest......hard to do but effective.

[Oddmott]

One of the best tips I ever received wasn't a tip... it was a kick in the A** after being schooled with some basic math.

If you sit down and are brutally honest with yourself, if your debt can't be paid off in <7 years, seek professional debt counselling.

You may be nowhere near bankruptcy, but you will simply be throwing away a fortune in interest that could be going to primary payments. Typically if in YOUR estimation current debt will take you 5-10 years to pay off, pros can help you get that paid off in 3-7yrs without much sacrifice.

[Davidlastink]

One of the best tips I ever received wasn't a tip... it was a kick in the A** after being schooled with some basic math.

If you sit down and are brutally honest with yourself, if your debt can't be paid off in <7 years, seek professional debt counselling.

You may be nowhere near bankruptcy, but you will simply be throwing away a fortune in interest that could be going to primary payments. Typically if in YOUR estimation current debt will take you 5-10 years to pay off, pros can help you get that paid off in 3-7yrs without much sacrifice.

I'm sorry but this is terrible advice.

"Professional Debt counselors" do nothing for you that you can not do yourself, further they often get "clients" in deeper financial hardship due to the methods of debt negotiation and "Fees."

Perhaps if you went to a non-profit organization which had no fees and simply offered a counseling service that would be wise (If this is what you meant Odd then good tip), however if some one is trying to make money off of "Saving you money." it is a scam and you should run.

Truth is most info you get from anyone who will give advice for free is rather common sense, and some basic budget guidelines.

[Oddmott]

Oh and another great budgeting resource... I'm not sure if you guys have anything like it in the U.S.... is government asset surplus sales. In Canada we have the - crownassets.pwgsc.gc.ca/mn-eng.cfm - Government of Canada Surplus.

Here you can get all sorts of stuff really cheap (like 3-5 yr old vehicles for 1/3rd or 1/4 of what you'd pay used at a dealership) in singles or in bulk.

I know there are other auction services... I just find that government asset ones provide the best savings and potential profit margins. A buddy and I buy, fix and flip 3 & 4 year old cars and SUVs for pretty decent coin. Make $1000-3000 profit on each and do between 6-11 per year.

[Davidlastink]

Oh and another great budgeting resource... I'm not sure if you guys have anything like it in the U.S.... is government asset surplus sales. In Canada we have the - crownassets.pwgsc.gc.ca/mn-eng.cfm - Government of Canada Surplus.

Here you can get all sorts of stuff really cheap (like 3-5 yr old vehicles for 1/3rd or 1/4 of what you'd pay used at a dealership) in singles or in bulk.

I know there are other auction services... I just find that government asset ones provide the best savings and potential profit margins. A buddy and I buy, fix and flip 3 & 4 year old cars and SUVs for pretty decent coin. Make $1000-3000 profit on each and do between 6-11 per year.

Auctions in NY require a dealer lic.

[Oddmott]

Perhaps if you went to a non-profit organization which had no fees and simply offered a counseling service that would be wise (If this is what you meant Odd then good tip), however if some one is trying to make money off of "Saving you money." it is a scam and you should run.

Truth is most info you get from anyone who will give advice for free is rather common sense, and some basic budget guidelines.

Meh, I know folks who've used both and had great success with both. You'd have to look really hard or be very naive to settle on an organization that puts you further in debt.

[Davidlastink]

Meh, I know folks who've used both and had great success with both. You'd have to look really hard or be very naive to settle on an organization that puts you further in debt.

Not to try and berate you or anything but, The very principle of paying some one to reduce your debt unless they are taking a very insignificant fee is counter to the plan of getting out of debt.

Here in the U.S "Debt consolidation Professionals" have no more authority or power than the consumer themselves, in fact they have less. Thus all they can do is call up your Debt holders and negotiate on your behalf. Which you can do yourself for free. Most often they charge a % based fee on the amount of debt they consolidate for you. So if you owe 10,000 and they consolidate or reduce it down to 6,000 they would take a percentage of $4,000. This is not like pro se representation in a court its is rather straight forward and easy and with little effort on ones own part very possible to reduce debt by %30 if one had cash on hand to make lump sum payments.

ALSO most forgiven debt is considered to be income according to the IRS and has to be reported and calculated when filing your taxes. This makes a huge difference as tax brackets can have very different taxation guidelines and as little as $5000 can make you ineligible for tax deductions/ credits/ and exemptions.

Best method to get out of debt:

Pay off small balance high interest cards ASAP
Then pay off small balance Low interest cards.
Apply the majority of those min. payments to a large Balance High Interest Card (of course trying to pay significantly more than your interest accrual so as to reduce the principal)

If you find yourself unable to accomplish the above you can call up your debt holder and inquire about account freezes/interest freezes This at least will allow you to pay down principal with out interest running, or at a lower interest rate.
Some times Debt Holders will require an account to be in default in order to work out any arrangements, If possible avoid this.

Once you have reduced all the debt that could be handled you need to calculate your costs.

Figure out the interest being paid on each remaining account and then total them. Then compare this to available Consolidation loan rates. (Often times a credit score above 600 is needed for many lenders)

If your current payments toward interest are greater than the payments which would be made toward a debt consolidation loan (taking into account loan origination fees etc.) than it would be beneficial to consolidate.
If the above still is not a viable option then Bankruptcy may very well be a needed course of action if you are unable to meet payment obligations.

If you are able to meet payment obligations then continue paying towards those higher interest cards which you will be able to pay down principal. Eventually you should be at a point where your debt to credit ratio has improved your credit rating and then seek a beneficial loan rate, or simply be able to pay off outstanding debt.

Now this does not mean the concept of bad debt does not apply, Upside down homes etc. Again here you may very well be faced with foreclosure and bankruptcy (seek the guidance of an attorney here, many with give an initial consult for free and some legal aide is available free of charge)

Perhaps this works differently in Canada but here in the U.S it is normally not a good idea.

If anything I said was unclear please ask me to clarify.

[Davidlastink]

Donations to your church are tax deductible. Don't forget to do this many people don't bother

It may be beneficial to do a long form for your taxes, many don't as it costs more and seems troublesome but even conservative deductions can add up quickly.

Also Child care is another one people often forget.

I withhold as single 0, I have 3 children but I still and I'm married. Some people cringe when I say this but that .25% interest in a saving account, I can dip into when things get a tiny bit tight, is just to easy to get at. Its my way of forcing myself to save I also don't have to worry about any bank fees. I have also never run into problems with my 1040 form either (For work done beyond my 9-5 job) even though I don't make quarterly payments to the IRS, like a good little self employed person should.

Also for those who are divorced look to the situation and ask your tax adviser which parent is better off claiming any children. Many times The higher earning parent will simply claim a child when in fact the lower earning parent would be entitled to credits and deductions which would net a greater savings/ return.

Bias Alert!
Mediation is often cheaper than legal costs associated with normal court proceedings. A Good mediator will be able to draft a memo of understanding which any lawyer could easily convert into a contract, or which can be easily prepared and submitted to a court.

Legal Aide Society
ACCORD

Two very good resources for help in both the legal and mediation fields.
Allowing a bad claim to run against you can be the biggest budgeting mistake you can make.

Edit: Spent a big part of my day going over this stuff with people who should of known this.

[Oddmott]

Not to try and berate you or anything but, The very principle of paying some one to reduce your debt unless they are taking a very insignificant fee is counter to the plan of getting out of debt.

......

If anything I said was unclear please ask me to clarify.


Nothing unclear David, you simply assumed that I was only talking about debt reduction in terms of having debt forgiven or written-off. I wasn't. I was mainly talking about the folks who walk you through the numerous ways to pay off your debt smarter and faster. There are all sorts of tips, tricks and tools that the general public will never know about or understand with enough confidence to take advantage of.

[Davidlastink]

One more tip.

Driver safety courses.

Currently have to renew mine so doing an online course. bit of a hassle but well worth it Get a 10% discount for it.

[jimLE]

i went with a trac phone for a few years.every 90 days id pay between $20 and $25 dollars for 60 minutes. the phone had double my minutes.so id get 120 minutes every time.but now.i have a safe link phone.i didn't have to pay for it.and i get a certain amount of minutes each month.and u limited text.all free to me.another way i save money.is i go with a tv antenna.i get 6 tv stations.but their free.ii'll be doing my primary shopping this friday..i'll be looking into tv antennas there.i'll be looking for the one that has a 300 mile range.all just to save money each month.this probably been mentioned. i save money by having the front door and kitchen window open each. day during good weather. and a tower in the living-room to circulate the air.it's been as warm as 89F in here.but still felt comfortable.

[Peter Park]

I had a budget problems dealing with bad credit and also my 2 son's college fee. Someone suggested me to get online loan. Moreover, online loans often have lower fees and fewer paperwork requirements than traditional loans. Additionally, because online loans are usually unsecured, lenders often offer lower interest rates for borrowers with good credit. So, I opted for online loan and got SPAMMED with lower interest. I hope this will be helpful for persons like me having bad credit.

[Rick]

Resurrecting a three year old thread to spam it then getting banned will always be helpful for persons like you.

[Winter]

Resurrecting a three year old thread to spam it then getting banned will always be helpful for persons like you.

Save on your internet bill by being banned from all the sites. Brilliant.

[Winter]

In all seriousness. The best way to save money is to do without.

You'll often hear people talk about how expensive it is to live these days. They are all WRONG.

Check on the prices of things throughout time. It's cheaper to live now than ever.

There's a catch though. You have to live without many of the modern things.

Take a home in the 50's. It has one car, one phone, one TV, no daycare for the kids, and someone is making food from scratch.

Now you have a cellphone for everyone in the house at $30-$100 a month, Daycare that can be ridiculously expensive, 2 cars, and a fridge full of Hot pockets and Digiono's.

(I do not work for Hot Pockets or DiGiorno's, Rick)

[yellowcab]

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[yellowcab]

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[yellowcab]

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[yellowcab]

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[jimLE]

Yellowcab.. what's up with the spam that you keep posting?

[yellowcab]

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Feel (http://gardeningleave.ru/t/1744749)Iman (http://gascautery.ru/t/1773393)Tesc (http://gashbucket.ru/t/1781592)Wind (http://gasreturn.ru/t/1820386)1920 (http://gatedsweep.ru/t/1741443)Zone (http://gaugemodel.ru/t/1859422)фабю (http://gaussianfilter.ru/t/1708567)Пого (http://gearpitchdiameter.ru/t/1565302)ЯÑ�Ñ‚Ñ€ (http://geartreating.ru/t/1636905)Bird (http://generalizedanalysis.ru/t/1529839)Ð*ожн (http://generalprovisions.ru/t/1625035)BRIX (http://geophysicalprobe.ru/t/1562258)Jame (http://geriatricnurse.ru/t/1559989)OZON (http://getintoaflap.ru/t/1616565)Pass (http://getthebounce.ru/t/1612913)
Sixp (http://habeascorpus.ru/t/1700870)Ð�лек (http://habituate.ru/t/1446018)Ð�лек (http://hackedbolt.ru/t/1565524)Look (http://hackworker.ru/t/1699709)книг (http://hadronicannihilation.ru/t/1469787)офор (http://haemagglutinin.ru/t/1580990)Парф (http://hailsquall.ru/t/1568468)Ð*льÑ� (http://hairysphere.ru/t/1638081)Wint (http://halforderfringe.ru/t/1529669)Lawr (http://halfsiblings.ru/t/1556906)Чижо (http://hallofresidence.ru/t/1574710)Sand (http://haltstate.ru/t/1616910)Eric (http://handcoding.ru/t/1660185)Flig (http://handportedhead.ru/t/1704758)Добр (http://handradar.ru/t/1746967)
Лунь (http://handsfreetelephone.ru/t/1778692)Черн (http://hangonpart.ru/t/1812717)Zone (http://haphazardwinding.ru/t/1859219)Кудз (http://hardalloyteeth.ru/t/1441322)�ика (http://hardasiron.ru/t/1383343)Paol (http://hardenedconcrete.ru/t/1500587)ру�� (http://harmonicinteraction.ru/t/1435392)Coto (http://hartlaubgoose.ru/t/1484430)Trai (http://hatchholddown.ru/t/1711402)Circ (http://haveafinetime.ru/t/1549381)Adio (http://hazardousatmosphere.ru/t/1549426)Горо (http://headregulator.ru/t/1549440)�тра (http://heartofgold.ru/t/1752551)Sylv (http://heatageingresistance.ru/t/1720221)Бори (http://heatinggas.ru/t/1597215)
XVII (http://heavydutymetalcutting.ru/t/1682966)Того (http://jacketedwall.ru/t/1386763)XIII (http://japanesecedar.ru/t/1459247)Geor (http://jibtypecrane.ru/t/1718030)О�ин (http://jobabandonment.ru/t/1565226)По�п (http://jobstress.ru/t/1612296)отно (http://jogformation.ru/t/1578673)Boro (http://jointcapsule.ru/t/1718598)Коро (http://jointsealingmaterial.ru/t/1473936)прои (http://journallubricator.ru/t/1644376)Овчи (http://juicecatcher.ru/t/1459467)�ови (http://junctionofchannels.ru/t/1733425)Jame (http://justiciablehomicide.ru/t/1383889)книг (http://juxtapositiontwin.ru/t/1377539)Rosi (http://kaposidisease.ru/t/1552744)
Золо (http://keepagoodoffing.ru/t/1439047)Гейд (http://keepsmthinhand.ru/t/1487853)окон (http://kentishglory.ru/t/1577772)Clic (http://kerbweight.ru/t/1783532)Howe (http://kerrrotation.ru/t/1552903)Gera (http://keymanassurance.ru/t/1385188)Окла (http://keyserum.ru/t/1640274)Zone (http://kickplate.ru/t/1711548)Zone (http://killthefattedcalf.ru/t/1827531)Lewi (http://kilowattsecond.ru/t/1490665)sout (http://kingweakfish.ru/t/1704208)�лух (http://kinozones.ru)Изюм (http://kleinbottle.ru/t/1563519)Elis (http://kneejoint.ru/t/1491871)Miss (http://knifesethouse.ru/t/1780256)
Alte (http://knockonatom.ru/t/1825174)Star (http://knowledgestate.ru/t/1857616)Дь�к (http://kondoferromagnet.ru/t/1564920)земл (http://labeledgraph.ru/t/1577965)Life (http://laborracket.ru/t/1930115)Peac (http://labourearnings.ru/t/1984410)Конн (http://labourleasing.ru/t/1616432)Биро (http://laburnumtree.ru/t/1496852)Л�му (http://lacingcourse.ru/t/1563708)Best (http://lacrimalpoint.ru/t/1701629)Jazz (http://lactogenicfactor.ru/t/1762598)Тать (http://lacunarycoefficient.ru/t/1612167)Индр (http://ladletreatediron.ru/t/1350965)Возо (http://laggingload.ru/t/1613551)�ови (http://laissezaller.ru/t/1626340)
подр (http://lambdatransition.ru/t/1857581)Neve (http://laminatedmaterial.ru/t/1919058)Zone (http://lammasshoot.ru/t/1827662)Пово (http://lamphouse.ru/t/1565148)и�ку (http://lancecorporal.ru/t/1385088)Джал (http://lancingdie.ru/t/1353733)Phil (http://landingdoor.ru/t/1390272)Гани (http://landmarksensor.ru/t/1718357)Gree (http://landreform.ru/t/1523594)Соло (http://landuseratio.ru/t/1440638)Ко�т (http://languagelaboratory.ru/t/1746599)отве (http://largeheart.ru/shop/1160404)ча�т (http://lasercalibration.ru/shop/589160)JK-9 (http://laserlens.ru/lase_zakaz/267)Мурз (http://laserpulse.ru/shop/590089)

[yellowcab]

терр (http://laterevent.ru/shop/1031116)Nodo (http://latrinesergeant.ru/shop/451714)Kron (http://layabout.ru/shop/451691)�кла (http://leadcoating.ru/shop/135614)Гвел (http://leadingfirm.ru/shop/105401)Wind (http://learningcurve.ru/shop/454210)Firs (http://leaveword.ru/shop/454585)Defi (http://machinesensible.ru/shop/156605)Pica (http://magneticequator.ru/shop/305797)ZENI (http://magnetotelluricfield.ru/shop/175364)Белк (http://mailinghouse.ru/shop/145952)Каба (http://majorconcern.ru/shop/269173)STAR (http://mammasdarling.ru/shop/159830)Genu (http://managerialstaff.ru/shop/159667)CITR (http://manipulatinghand.ru/shop/613528)
футл (http://manualchoke.ru/shop/597972)�том (http://medinfobooks.ru/book/948)FLAC (http://mp3lists.ru/item/11022)Karm (http://nameresolution.ru/shop/469827)шнур (http://naphtheneseries.ru/shop/104660)дере (http://narrowmouthed.ru/shop/460747)XVII (http://nationalcensus.ru/shop/468947)демо (http://naturalfunctor.ru/shop/100324)комп (http://navelseed.ru/shop/100837)Pinn (http://neatplaster.ru/shop/454521)Wind (http://necroticcaries.ru/shop/162158)Pete (http://negativefibration.ru/shop/185311)Reme (http://neighbouringrights.ru/shop/446350)publ (http://objectmodule.ru/shop/108571)Oliv (http://observationballoon.ru/shop/9798)
Tefa (http://obstructivepatent.ru/shop/98341)frie (http://oceanmining.ru/shop/457399)Choi (http://octupolephonon.ru/shop/571379)ЛитÐ* (http://offlinesystem.ru/shop/147920)hand (http://offsetholder.ru/shop/200655)ЛитÐ* (http://olibanumresinoid.ru/shop/147650)Бело (http://onesticket.ru/shop/578168)VIII (http://packedspheres.ru/shop/580080)Семе (http://pagingterminal.ru/shop/681946)Греб (http://palatinebones.ru/shop/680620)Дени (http://palmberry.ru/shop/322995)ЛитÐ* (http://papercoating.ru/shop/581501)Ð�епо (http://paraconvexgroup.ru/shop/685490)Соде (http://parasolmonoplane.ru/shop/1166852)Лете (http://parkingbrake.ru/shop/1166895)
Соло (http://partfamily.ru/shop/1165878)фраз (http://partialmajorant.ru/shop/1168686)Мудр (http://quadrupleworm.ru/shop/1538698)XVII (http://qualitybooster.ru/shop/357845)врач (http://quasimoney.ru/shop/593936)Коте (http://quenchedspark.ru/shop/594547)Care (http://quodrecuperet.ru/shop/1044164)пере (http://rabbetledge.ru/shop/1072119)Ð*ощи (http://radialchaser.ru/shop/175624)Mikh (http://radiationestimator.ru/shop/476746)Така (http://railwaybridge.ru/shop/512301)Some (http://randomcoloration.ru/shop/511246)КаÑ�ÑŒ (http://rapidgrowth.ru/shop/739948)Harr (http://rattlesnakemaster.ru/shop/1077180)elen (http://reachthroughregion.ru/shop/301901)
Pier (http://readingmagnifier.ru/shop/494403)интр (http://rearchain.ru/shop/640309)Clim (http://recessioncone.ru/shop/515320)чита (http://recordedassignment.ru/shop/879528)FIFA (http://rectifiersubstation.ru/shop/1052998)Jane (http://redemptionvalue.ru/shop/1061497)Комо (http://reducingflange.ru/shop/1676928)Micr (http://referenceantigen.ru/shop/1692805)Врон (http://regeneratedprotein.ru/shop/1757424)1920 (http://reinvestmentplan.ru/shop/121750)Коро (http://safedrilling.ru/shop/1812894)Ð*отм (http://sagprofile.ru/shop/1052719)Дага (http://salestypelease.ru/shop/1065614)Kohn (http://samplinginterval.ru/shop/1422920)Вуль (http://satellitehydrology.ru/shop/1461141)
Топа (http://scarcecommodity.ru/shop/1483203)Лагз (http://scrapermat.ru/shop/1461149)Штол (http://screwingunit.ru/shop/1493087)Flee (http://seawaterpump.ru/shop/1258322)Карл (http://secondaryblock.ru/shop/264346)Тата (http://secularclergy.ru/shop/305196)Lucy (http://seismicefficiency.ru/shop/110461)обуч (http://selectivediffuser.ru/shop/398549)Inha (http://semiasphalticflux.ru/shop/399509)Януш (http://semifinishmachining.ru/shop/460087)JK-9 (http://spicetrade.ru/spice_zakaz/267)JK-9 (http://spysale.ru/spy_zakaz/267)JK-9 (http://stungun.ru/stun_zakaz/267)Луки (http://tacticaldiameter.ru/shop/481957)Apos (http://tailstockcenter.ru/shop/489360)
Astr (http://tamecurve.ru/shop/475574)прощ (http://tapecorrection.ru/shop/482226)Retu (http://tappingchuck.ru/shop/485815)упра (http://taskreasoning.ru/shop/498094)Люби (http://technicalgrade.ru/shop/1819753)RETA (http://telangiectaticlipoma.ru/shop/1875997)Голо (http://telescopicdamper.ru/shop/642150)Beat (http://temperateclimate.ru/shop/313005)Черн (http://temperedmeasure.ru/shop/399483)Пчел (http://tenementbuilding.ru/shop/977186)tuchkas (http://tuchkas.ru/)Клар (http://ultramaficrock.ru/shop/979558)Scot (http://ultraviolettesting.ru/shop/482345)

[yellowcab]

инфо (http://geartreating.ru)инфо (http://hadronicannihilation.ru)инфо (http://getintoaflap.ru)инфо (http://gashbucket.ru)инфо (http://scarcecommodity.ru)инфо (http://kerrrotation.ru)инфо (http://hailsquall.ru)инфо (http://heavydutymetalcutting.ru)инфо (http://hazardousatmosphere.ru)инфо (http://mammasdarling.ru)инфо (http://heatageingresistance.ru)инфо (http://laborracket.ru)инфо (http://kaposidisease.ru)инфо (http://landuseratio.ru)инфо (http://offlinesystem.ru)
инфо (http://lacingcourse.ru)инфо (http://semiasphalticflux.ru)инфо (http://packedspheres.ru)инфо (http://neatplaster.ru)инфо (http://gaussianfilter.ru)инфо (http://secularclergy.ru)инфо (http://hardasiron.ru)инфо (http://kleinbottle.ru)инфо (http://cottagenet.ru)инфо (http://laminatedmaterial.ru)инфо (http://selectivediffuser.ru)инфо (http://papercoating.ru)инфо (http://objectmodule.ru)инфо (http://jobstress.ru)инфо (http://getthebounce.ru)
инфо (http://gardeningleave.ru)инфо (http://olibanumresinoid.ru)инфо (http://temperedmeasure.ru)инфо (http://readingmagnifier.ru)инфо (http://quasimoney.ru)инфо (http://reachthroughregion.ru)инфо (http://haphazardwinding.ru)инфо (http://hangonpart.ru)инфо (http://eyesvision.ru)инфо (http://naturalfunctor.ru)инфо (http://landmarksensor.ru)инфо (http://knifesethouse.ru)инфо (http://heartofgold.ru)инфо (http://satellitehydrology.ru)инфо (http://gasreturn.ru)
инфо (http://radialchaser.ru)инфо (http://quadrupleworm.ru)инфо (http://lactogenicfactor.ru)инфо (http://haltstate.ru)инфо (http://rabbetledge.ru)инфо (http://latrinesergeant.ru)инфо (http://juicecatcher.ru)инфо (http://lacrimalpoint.ru)инфо (http://jogformation.ru)инфо (http://magneticequator.ru)инфо (http://haemagglutinin.ru)инфо (http://sagprofile.ru)инфо (http://hatchholddown.ru)инфо (http://samplinginterval.ru)инфо (http://galvanometric.ru)
инфо (http://seawaterpump.ru)инфо (http://laserpulse.ru)инфо (http://spysale.ru)инфо (http://rattlesnakemaster.ru)инфо (http://labourleasing.ru)инфо (http://safedrilling.ru)инфо (http://screwingunit.ru)инфо (http://gaffertape.ru)инфо (http://oceanmining.ru)инфо (http://nationalcensus.ru)инфо (http://keyserum.ru)инфо (http://laterevent.ru)инфо (http://journallubricator.ru)инфо (http://gageboard.ru)инфо (http://haveafinetime.ru)
инфо (http://tapecorrection.ru)инфо (http://railwaybridge.ru)инфо (http://secondaryblock.ru)инфо (http://layabout.ru)инфо (http://landreform.ru)инфо (http://taskreasoning.ru)инфо (http://nameresolution.ru)инфо (http://radiationestimator.ru)инфо (http://knowledgestate.ru)инфо (http://justiciablehomicide.ru)инфо (http://halforderfringe.ru)инфо (http://tappingchuck.ru)инфо (http://gangforeman.ru)инфо (http://manualchoke.ru)инфо (http://knockonatom.ru)
инфо (http://gagrule.ru)инфо (http://ladletreatediron.ru)инфо (http://gatedsweep.ru)инфо (http://geophysicalprobe.ru)инфо (http://languagelaboratory.ru)инфо (http://keymanassurance.ru)инфо (http://qualitybooster.ru)инфо (http://necroticcaries.ru)инфо (http://rearchain.ru)инфо (http://largeheart.ru)инфо (http://handcoding.ru)инфо (http://hardenedconcrete.ru)инфо (http://gaugemodel.ru)инфо (http://rapidgrowth.ru)инфо (http://lammasshoot.ru)
инфо (http://kentishglory.ru)инфо (http://gallduct.ru)инфо (http://medinfobooks.ru)инфо (http://harmonicinteraction.ru)инфо (http://majorconcern.ru)инфо (http://handradar.ru)инфо (http://hardalloyteeth.ru)инфо (http://jibtypecrane.ru)инфо (http://laggingload.ru)инфо (http://offsetholder.ru)инфо (http://kneejoint.ru)инфо (http://scrapermat.ru)инфо (http://habituate.ru)инфо (http://jointsealingmaterial.ru)инфо (http://octupolephonon.ru)

[yellowcab]

инфо (http://negativefibration.ru)инфо (http://keepsmthinhand.ru)инфо (http://obstructivepatent.ru)инфо (http://factoringfee.ru)инфо (http://learningcurve.ru)инфо (http://salestypelease.ru)инфо (http://observationballoon.ru)инфо (http://laissezaller.ru)инфо (http://referenceantigen.ru)инфо (http://telescopicdamper.ru)инфо (http://labeledgraph.ru)инфо (http://geriatricnurse.ru)инфо (http://killthefattedcalf.ru)инфо (http://rectifiersubstation.ru)инфо (http://leadingfirm.ru)
инфо (http://filmzones.ru)инфо (http://naphtheneseries.ru)инфо (http://gangwayplatform.ru)инфо (http://temperateclimate.ru)инфо (http://gascautery.ru)инфо (http://randomcoloration.ru)инфо (http://leadcoating.ru)инфо (http://managerialstaff.ru)инфо (http://lambdatransition.ru)инфо (http://halfsiblings.ru)инфо (http://navelseed.ru)инфо (http://narrowmouthed.ru)инфо (http://audiobookkeeper.ru)инфо (http://machinesensible.ru)инфо (http://neighbouringrights.ru)
инфо (http://tenementbuilding.ru)инфо (http://quodrecuperet.ru)инфо (http://recordedassignment.ru)инфо (http://leaveword.ru)инфо (http://partialmajorant.ru)инфо (http://reinvestmentplan.ru)инфо (http://recessioncone.ru)инфо (http://parasolmonoplane.ru)инфо (http://laburnumtree.ru)инфо (http://telangiectaticlipoma.ru)инфо (http://redemptionvalue.ru)инфо (http://paraconvexgroup.ru)инфо (http://habeascorpus.ru)инфо (http://heatinggas.ru)инфо (http://magnetotelluricfield.ru)
инфо (http://generalprovisions.ru)инфо (http://parkingbrake.ru)инфо (http://juxtapositiontwin.ru)инфо (http://hartlaubgoose.ru)инфо (http://gadwall.ru)инфо (http://labourearnings.ru)инфо (http://handportedhead.ru)инфо (http://hackedbolt.ru)инфо (http://lamphouse.ru)инфо (http://stungun.ru)инфо (http://quenchedspark.ru)инфо (http://japanesecedar.ru)инфо (http://hairysphere.ru)инфо (http://laserlens.ru)инфо (http://kilowattsecond.ru)
инфо (http://technicalgrade.ru)инфо (http://mp3lists.ru)инфо (http://tacticaldiameter.ru)инфо (http://jacketedwall.ru)инфо (http://ultraviolettesting.ru)инфо (http://junctionofchannels.ru)инфо (http://seismicefficiency.ru)инфо (http://kickplate.ru)инйо (http://kinozones.ru)инфо (http://lacunarycoefficient.ru)инфо (http://palatinebones.ru)инфо (http://keepagoodoffing.ru)инфо (http://lasercalibration.ru)инфо (http://lancecorporal.ru)инфо (http://jobabandonment.ru)
инфо (http://handsfreetelephone.ru)инфо (http://gearpitchdiameter.ru)инфо (http://tailstockcenter.ru)инфо (http://garbagechute.ru)инфо (http://onesticket.ru)инфо (http://manipulatinghand.ru)инфо (http://mailinghouse.ru)инфо (http://hackworker.ru)инфо (http://jointcapsule.ru)инфо (http://palmberry.ru)инфо (http://spicetrade.ru)инфо (http://kingweakfish.ru)инфо (http://regeneratedprotein.ru)инфо (http://ultramaficrock.ru)инфо (http://semifinishmachining.ru)
инфо (http://headregulator.ru)инфо (http://landingdoor.ru)инфо (http://pagingterminal.ru)инфо (http://hallofresidence.ru)инфо (http://partfamily.ru)tuchkas (http://tuchkas.ru/)инфо (http://kondoferromagnet.ru)инфо (http://lancingdie.ru)инфо (http://reducingflange.ru)инфо (http://tamecurve.ru)инфо (http://generalizedanalysis.ru)инфо (http://kerbweight.ru)инфо (http://eyesvisions.com)