Living Below Your Means; Have You Tried It?

The following is a guest post.  Edwin Alcanter is a business graduate student, who likes to write about practical saving tips and identity theft protection.

Today’s economic crisis is an awakening for all of us. Students, homeowners, young professionals, entrepreneurs, established businesses and the rest are tightening their belts to survive this turmoil. A lot of financial gurus are sharing their expertise, on how to avoid “hand-to mouth” existence, so to speak. They are publishing books; they talked on national TV, in schools and all other platforms, just to spread the word which is to save.

Saving a certain percentage, like 20 percent of your take home pay, or depending on your goal, is the key to survival these days. How to do entails a good financial map. Here are some of the suggestions on how to save up.

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I’m a victim of Identity Theft: Ways to prevent it from happening to you

I became a victim of identity theft back in 2009. That was one of the worse days of my life.  I felt helpless, violated and angry. Even though I know that 1 in 4 people will either experience identity theft on a personal level or they know someone whose experienced it…I still never thought it would happen to me.  I mean, I’m pretty careful with my credit cards and I check my bank accounts a couple of times a day.  I always try to shred mail and other documents that have pertinent information on them.  How in the world could this have happened to me?

So you can imagine how shocked I was to learn that someone had stolen my identity by filing a bogus federal tax return in my name. Because we live in the technical age this type of identity theft has become more common.  To make matters worse, the IRS is aware that this type of identity theft exists but is doing little to stop or prevent it.

Tax return fraud is just one of the many types of identity theft that’s prevalent today and as you read this, thieves are searching for cleverer ways to commit this crime. Don’t let it happen to you…take strategic steps to protect your identity.

Below are some tips on the types of ID Theft and ways you can prevent this from happening to you.

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Frugal Fridays: How to get free stuff on you Birthday.

Happy Frugal Friday!!!!! Who likes getting FREE stuff on their birthday?  Just about everybody!  There are hundreds of restaurants and stores who want to join in on the celebration by giving you a free meal/dessert or gift on your birthday. Every year I take advantage of all these great freebies and I end up eating free practically the entire month of my birthday.   All you have to do is show your I.D. at most places and viola, you will be on your way to getting some nice freebies that day.  It’s your day, so go on…celebrate it.  Here’s to you.

  Below are a few of my favorites places to eat and/or shop on my birthday.

2012 Birthday Freebies

Auntie Anne’s Pretzels– Sign-up for their Very Important Pretzel Lover and receive a FREE Pretzel on your birthday.

Baskin-Robins – Join the Birthday Club and receive a FREE 2.5 oz ice cream scoop!

Benihana – You can register (Chef’s Table) to receive a FREE $30 Benihana Birthday Certificate. This is one of my favorites.

Continue reading Frugal Fridays: How to get free stuff on you Birthday.