How To Lower Your Cost Of Eating At Restaurants

Did you read the startling survey results in yesterday’s DailyDollar about the top ten money wasters? Instead of tackling all ten categories let’s focus on the biggest challenge people face – eating out. As a result, today’s DailyDollar offers the following ideas to help you lower the cost of eating at restaurants, going to bars and coffee shops.

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How To Lower Cost Of Eating At Restaurants
A little preparation and planning ahead will go a long way toward helping you lower your cost of eating at restaurants. Here are six money saving tips you can put to use right now:

1) Sign-Up For Daily Deals
Sign up for daily deals sites like Groupon and Social Living. There are a lot of restaurant discounts offered that you can opt into. There is no need to pay full price for an entire meal with all the special deals out there. Get them flowing into your email inbox.

Top 10 Money Wasters (According To You)

We mentioned a tip in one of last week’s DailyDollar articles that cutting down on eating lunch out is a big way to cut down expenses as you work out of debt or build up a rainy day saving fund. Over the weekend I learned about this list of top 10 money wasters and that immediately prompted this new article about eating out (and tomorrow’s article too). A survey of consumers revealed that

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the number one money waster in their life is restaurants. So let’s work on fixing this one bad habit and we will have a great start toward reducing debt and saving money. If you have not heard of spendster.org, check it out. It is a site where people post video confessions about things they wasted their money on. You will quickly see that you are not alone when it comes to having challenges with personal finance.

Top 10 Money Wasters (According To You)
Check out the survey results below from spendster.org which rank the top ten money waster items that people feel they fall victim to:

Weekend Edition – week of October 2

Review of This Week’s Personal Finance Tips About Careers and Education

When do smart businesses invest the most money in marketing? It’s not when sales are strong, but rather when business is slow. The same should hold true for your approach to the job market. Hiring is slow right now so should you give up and wait until things pick up? No way. Now is the time to invest in yourself – your resume, your interview skills and your knowledge and education. That way when the job picture heats up, you will be more prepared than other people.

Check in to all of this week’s articles below which provide career news, budgeting tips and education programs to help you improve your income and cash flow.

Career Programs For Government Jobs About 6 out of 10 federal government jobs are in three large departments:   Department of Defense   Veterans Administration   Department of Homeland Security The free Course Advisor “Match Me” wizard helps you find programs that will prepare you for job opportunities in the government. Most schools that have programs for these types of jobs offer assistance with finding financial aid. Click here for information on program options and an admissions representative will call with more free information.

Next week, DailyDollar will have the latest information about payday loans but in the meantime check out the hundreds of money saving tips at DailyDollarNewsletter.com.

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Summary of This Week’s Personal Finance Tips About Careers and Education

5 Expenses People Refuse To Sacrifice

In yesterday’s DailyDollar we shared 7 ways to build your rainy day savings account. However, the same CareerBuilder survey referenced in yesterday also uncovered what things Americans are being stubborn about giving up to save money.

If you are wanting to build a rainy day savings account or are in debt and have not yet found a way to cut out one or more of the following expenses, it’s time for a gut check. Sacrifices are temporary. Do what you must to free up cash to pay down or avoid more debt and create that savings cushion. Scour the hundreds of money-saving articles posted on DailyDollar to help you with ideas to avoid empty pockets.

Career Programs For Government Jobs About 6 out of 10 federal government jobs are in three large departments:   Department of Defense   Veterans Administration   Department of Homeland Security The free Course Advisor “Match Me” wizard helps you find programs that will prepare you for job opportunities in the government. Most schools that have programs for these types of jobs offer assistance with finding financial aid. Click here for information on program options and an admissions representative will call with more free information.

5 Expenses People Refuse To Sacrifice

7 Ways To Build Your Rainy Day Savings Account

Having a rainy day savings account sounds nice in theory, but are you able to stash away a few dollars from each paycheck to build it up? If not, you are in a lot of company. Millions of people live paycheck to paycheck.

So what are people doing during these tough economic times to help make ends meet? Read on for some answers. And what sacrifices are people reluctant to make to get on better financial footing? That question DailyDollar will answer tomorrow.

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Americans Decrease 401k Contributions
One of the best things about contributing to 401k retirement plans is you can set the amount and forget it. Since it comes out of your paycheck before taxes, you hardly miss it. According to a poll by CareerBuilder of over 5,000 workers this summer, 34% said that they are not contributing to a 401k, IRA or other type of retirement plan while another 21% have reduced the amount of their retirement contribution.

7 Luxury Sacrifices To Build Your Rainy Day Savings
In addition to drastic measures such as lowering retirement contributions, people are thinking harder about small expenses such as these:

Little Hiring Expected By Small Business

The depressing headline from a poll by the U.S. Chamber is that little hiring is on the horizon by small businesses. Only 2 out of 10 businesses expect to add new employees this year and in 2012. Summertime statistics like this about unemployment and projected job growth prompted President Obama to prepare a jobs creation plan which he presented to the American public in early September.

Get Your Free Career Success Kit Education is a critical step to securing a job in the career of your choice. DailyDollar readers click here to receive a complimentary Career Success Kit. Researching average salaries for different jobs and comparing the cost of obtaining a degree to get those jobs is an important step before you commmit to a specific school and program. Otherwise you could end up in a job that does not pay enough to justify the costs of the degree you earn. The free Career Success Kit will give you some statistics about careers and income potential.

Why Are Small Businesses Hesitant To Hire?
The poll of more than 1,400 small businesses, conducted for the U.S. Chamber by Harris Interactive, highlights key factors behind why businesses are, or are not, hiring. The key driver of the sentiment is economic uncertainty. Factors including the national debt, continued deficit spending and the requirements of the healthcare law compound the uncertainty. In fact, small business owners are just as concerned with Obama Care affecting their business as they are about a lack of sales.

15 Reasonable Jobs That Pay Over $50k

In yesterday’s DailyDollar we mentioned that the median annual income of Americans is $44,410 ($21 per hour) meaning that half the people make more and half less. Unbelievably, if you can earn only $3.65 more per hour you will make about $52,000 per year and end up in the top 20% of all wage earners in the United States. Not a big leap is it?

Get Your Free Career Success Kit Education is a critical step to securing a job in the career of your choice. DailyDollar readers click here to receive a complimentary Career Success Kit. Researching average salaries for different jobs and comparing the cost of obtaining a degree to get those jobs is an important step before you commmit to a specific school and program. Otherwise you could end up in a job that does not pay enough to justify the costs of the degree you earn. The free Career Success Kit will give you some statistics about careers and income potential.

15 Reasonable Jobs That Pay Over $50k
Here is a list of 15 jobs that all pay over $50,000 annually on average. You do not have to be a rocket scientist to qualify for one of these jobs. A little studying and certification for sure, but nothing that you can’t achieve.

1. Real Estate Agent $52,490
This job requires a license but nothing that you can’t attain without a reasonable amount of study. If you like meeting new people and being active in your community this career is a good fit.

Top Six High Job Growth Professions

Between 2008 and 2018, nursing is one of the high job growth professions projected to add the most new jobs in the United States. Think about it. The Baby Boomer generation that was born after World War II is now retiring. This massive group of Americans are aging and their health care needs are skyrocketing. Who is going to be there to help them? The supply and demand of nurses and other health care specialists over the next 40 years is out of balance and now is a great time to enter the workforce and begin building skills and experience in the field.

Get Your Free Career Success Kit Education is a critical step to securing a job in the career of your choice. Researching average salaries for different jobs and comparing the cost of obtaining a degree to get those jobs is an important step before you commit to a specific school and program. Otherwise you could end up in a job that does not pay enough to justify the costs of the degree you earn. DailyDollar readers can click here to receive a complimentary Career Success Kit. The kit will give you some statistics about income potential.

Top Six High Job Growth Professions
As you can see from the chart below, half of the top professions are within the health care field. According to U.S. Bureau of Labor Statistics, the top six growing professions are:

Weekend Edition – week of September 25

Review of This Week’s Personal Finance Tips About Finding A Lawyer

Where would you turn in the event that you suddenly needed to find a lawyer? The telephone book? An advertisement in a bathroom stall or on the side of a bus? The Internet makes it a lot easier to connect quickly with legal services, especially if you have internet access on your mobile phone.

DailyDollar Fans Sound Off! Have you had to fight a wage garnishment?Yes / NoClick here to share your story and what you want other people to learn from your experience.

Check in to all of this week’s articles below which provide important tips about finding a lawyer for DWI and other criminal cases, wage garnishment and divorce.

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DailyDollar readers can completing their free basic will in 3 easy steps:

1) Click here and answer a few short questions.
2) Print your legally valid will in .PDF format.
3) Sign your will to make it legally valid.

If you are on a tight budget then Legal Einstein is a good option to consider for getting a basic Last Will and Testament created.
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Summary of This Week’s Personal Finance Tips About Finding A Lawyer

What Is A Durable Power Of Attorney?

There are some basic estate planning terms that everyone needs to understand and a durable power of attorney is a good example. Also known as a “financial power of attorney”, this easy to complete document gives someone that you designate the authority to conduct your personal financial transactions in the event that you become unable to do so. Without a durable power of attorney, your family would have to go through an expensive, lengthy and stressful court process to get you declared as incompetent before they could step in and help handle your financial affairs.

DailyDollar Fans Sound Off! Have you had to fight a wage garnishment?Yes / NoClick here to share your story and what you want other people to learn from your experience.

Don’t Forget Online Banking Accounts
These days, more and more people use online tools to help manage their money. Your bank account might be with a company that is only on the Internet like AccountNow. Or, you may have a stock trading account on e*trade. The point is, you probably do not have paper statements for some of these online accounts. When you organize your financial records for whomever you choose as your durable power of attorney, you must remember to include usernames, passwords and answers to secret password recovery questions to your online banking and other electronic accounts.

Protect Your Family – Create Free Basic Will In Minutes Legal Einstein is an online service providing legal documents that are prepared by attorneys and then made available to you online. Legal Einstein documents are either free or a fraction of the price you would pay an attorney.