Penny Saver Bulletin

Make Your Own Wrapping Paper & Bows

It's not only unique, but fun to make your own wrapping paper and bows. Your presents will not only stand out from the rest but will also communicate that added touch of care.

You can use plain brown grocery bags and craft paints to make your design. First wrap the gift, then let your imagination take off.

For an example, if the present is for a boy, use black & yellow craft paint to create a road. Using a toy car or truck, drip the wheels in red paint and roll along the paper to make tire tracks. Draw free hand "Stop" and "Yield" signs. Then use a hot glue gun to glue a few miniature cars and trucks.

For a girl, you can make the design a doll house, garden with butterflies or magical creatures such as a unicorn or fairies.

For the adults in the family, make patterns such as a nice holiday plaid for the guys and for the gals, create the package with ribbons.

You can top off your creations with handmade bows - simple made with loops fastened together.

Just use your creativity and look around for what you already have in the house.

Penny Saver Bulletin

Become Wealthy - the subject that appears to have such mystery to it!

While there is no single road to getting there, One Stable Principle is in place for those who keep their wealth over a lifetime: Live beneath your means.

Spend less than you make. Don't spend more than you can afford.

If you want to create wealth, you have to learn to do this. It doesn't matter if you make $10,000 a year or $1 million, if you don't learn how to master the step of spending less than you earn, you'll never create lasting wealth.

Are you living paycheck to paycheck? Feel like you are treading water? And, no matter how hard you try, you never seem to get ahead?

A method to start getting out of the trap of not getting ahead is to master the difference between needs and wants.

First, it's important to realize that wants and needs are not the same. This may sound over-simplified, but if you look at where you are spending money you may find that you have some "wants" that you may consider as "needs".

Take a step back and view the times that you have said "I absolutely need (fill in the blank)" when in reality the meaning was "I really want (fill in the blank)".

Take the time to critically look at your current lifestyle and what are the true needs versus those things that are convenient wants will go a long way in saving you money and enabling you to spend less than you make.

Let's take an example of your TV. Is your TV a need or a want? Even though it can be rationalized as a necessary part of your life, the truth is that it is more than likely a want. In most cases, it is probably an affordable want (The exception may be if you decided you had to have that 50 inch state of the art plasma television with the price tag of a small car).

The question is whether the digital cable TV, 6 premium channels, satellite dish, the on demand movies, the DVD player with movie selection, etc are all also affordable wants?

What may be a want for one person may be a necessity for another person. For example, let's take a look at a computer. If you make your livelihood on the computer, then a computer is a necessity for you. If you only use a computer to play the latest online games, then it's a want.

Knowing this, we can still make some pretty good guesses as to what are wants and what are needs for most people. Shoes (and clothing in general), water, bed, car, lunch, healthy foods, supplements and furnishings are good bets to be needs. Basic transportation to make a living is a need.

A 4 wheel drive sport utility vehicle with all the extras counts as a want for most people, A larger than needed apartment, computer with all the lastest technology, a cellular phone whne you don't need one, a designer suit, ice-cream, lottery tickets, entertainment center, club membership, concert tickets, trip to Hawaii, necklace, daily espresso and golf clubs all probably count as "wants".

If you can take the time to start being honest with yourself, you will find that a lot of the things which you assumed were an absolute necessity until now are in reality nothing more than wants.

Once you distinguish between the two and look at these issues objectively, you have placed yourself in the position to live within your means by simply asking yourself whether or not an item or service you are about to purchase is a need or merely a want.

Penny Saver Bulletin

Today’s Penny Saver Bulletin is regarding making treats at home. Not only can you create healthy treats, but you can also save money by doing so. It probably goes without saying, but being a penny saver also includes an economy of time, too.

Although not cost effective for a penny saver, it is certainly easier to pick up treats while in the grocery store while getting the basics. But, have you taken a look at the label recently? You not only have white flour and processed sugar but also glycerin, preservatives that you cannot pronounce plus BHA/BHT sprayed inside the package (to keep the food from sticking). That "bargain" treat is really not one for a penny saver as the extra costs show up in vitamin costs, health issues and medical costs.

For less than the cost of highly processed white flour, a penny saver can use Spelt flour. It has the same consistency as white flour and it’s incredibly different in nutritional value. Getting Stevia – also known as "Sweet Leaf" instead of sugar – again at less the cost of processed sugar, a penny saver can add nutrients to treats.

So, what does a penny saver do to save time once the good food has been traded for the "too processed with no nutritional value food"? After-all, the idea is not to make your life more difficult! For an example, get the ingredients for your favorite cookie recipe – exchanging white flour with the spelt flour and stevia for the sugar – get enough for 4 recipes. Mix up the four batches at the same time, divide it and store three in the freezer. With healthy snacks like this, you can save time, money and improve your health which is a marvelous thing for a penny saver.

Penny Saver Bulletin

In this day and age saving a penny is still important. It may not sound like much to save one penny, but it still does add up…just like in the days of old.

Have you ever heard of the penny a day adage in which you are advised to double your penny savings each day? On the first day, you save one penny, the second day, it’s two, third day it’s four and so on? Making it one clever method to create wealth.

You may wonder how doubling your penny savings each day can create wealth or maybe how will you be able to continue to double your penny once the amount gets quite high on daily basis, because within two weeks, as a penny saver, you would have $163.83 saved.

It sure looks nice on paper, right? Even though now-a-days when pennies seem hard to come by to pay the bills, never mind create a savings – the double a penny a day savings trick can still be done.

Be a penny saver by reviewing the weekly ads that your neighborhood grocers send out – by comparing the different ads, you may find some great deals to save on your groceries. Hold a yard sale or sell your items that are still good but not used anymore on eBay. Walk, ride a bike or take a bus to handle your errands – save on fuel while getting exercise.

The best tip to be a penny saver, that may be a surprise but works like a charm none-the-less is to shop on eBay. It’s a worldwide marketplace that now has wholesalers selling direct to the public, therefore there are huge discounts and great savings to be had that keep your pennies adding up.

Penny Saver Bulletin

A nice little niche business for a penny saver can be to create your own publication to sell. It is not a difficult thing to do this as you probably have many things that you are good at, have some great recipes or a subject that you know interesting information about. Instead of attempting to buy products to sell, be a penny saver and make your own.


Since the days of old, it has been a common practice for a penny saving entrepreneur to write a clever report and then advertise it. If you look in printed magazines and newspapers, you will still find the short 3 or 4 line advertisement with "send $3 and SASE". Maybe you have responded to one of the ads in the past to find out more information on how to be a more practical penny saver or how to increase income or net worth.


The tips or report that a penny saver writes is simple and practical advice – some of which you may have heard so many times that you wonder why you ever fell for the ad! Certainly, you don’t want to write a publication like that because you will wind up with disappointed customers. Disappointed customers talk and then it hits your little enterprise – right in the pocket, which is not the way to go as a penny saving entrepreneur.


To be an effective penny saving entrepreneur creating your publication, write your own knowledge – your very own clever ideas, tricks, tips and advice – in a conversational manner. Write your little ad – be truthful, don’t give any hype. Then, in this modern day and age, you can advertise successfully online. Once your orders start rolling in, budget wisely and you will find that by being such a penny saver, you can indeed prosper.

Penny Saver Bulletin

A penny saver can find that marketing is a breeze when you use online services, f`ree downloads and videos to sell your products or services. Online services compete to get your business and that is good news for penny savers.

F.r.e.e is the best way to go for a penny saver, so you can start here » free downloads to find an assortment of f`ree tools to utilize that will enable you to create graphics, make PDF’s, create stunning presentations, create video’s and video tutorials. So, penny saver, grab up the tools and start creating the products.


A really bright idea for a penny saver is to create a publication and turn it into an online video file – then sell it. People could download, listen and watch it at their convenience while surfing the net, checking their email, working, and so on. A video publication that gives step by step details and screen shots is very needed and wanted. There’s many a person that doesn’t "already know" what the internet guru’s think people know – thus skip the most important details and leave people in mystery, unable to do the steps. So, if you know how to do something on the internet, it is almost certain that you can turn that knowledge into dollars. A good thing to have, especially for a penny saver.

A great find that a penny saver will enjoy is a new site that’s called Yommy.com!! where you can Buy, Sell, Trade - f`ree Exposure to 1000's of Buyers. Certainly worth getting an account to get your digital products exposure, thus sales. There’s lots of categories and the sky is certainly not the limit on the items that you can post – thus earn income.

The internet is a great place for a penny saver, isn’t it!