http://debtmutiny.com Devoted to Gaining Freedom from the Tyranny of Debt! Tue, 12 Aug 2008 12:53:31 +0000 http://backend.userland.com/rss092 en A sensible person sees danger and takes cover, but the inexperienced keep going and are punished. Proverbs 22:3 You are entitled to receive one free credit report, at your request, every 12 months from each of the nationwide consumer credit reporting companies – Equifax, Experian and TransUnion. Because nationwide consumer reporting companies get their ... http://debtmutiny.com/debt-mutiny-step-1-know-what-you-owe/60 “Creditors have better memories than debtors; and are a superstitious sect, great observers of set days and times.” - Benjamin Franklin When a debt becomes 180 days delinquent, most creditors will write it off and turn it over to a collection agency. At this point, you no longer owe the original creditor, ... http://debtmutiny.com/your-rights-when-dealing-with-a-collection-agency/46 "That man is richest whose pleasures are cheapest." Henry David Thoreau Here are some simple, yet inexpensive ideas for having fun as a family: Visit the playground. Go on a bike ride. Go roller-skating or roller-blading. Play catch or Frisbee. Play Tag, Simon Says, Red Light-Green Light, Duck-Duck Goose, or Hide & Seek. Jump rope or play Leap ... http://debtmutiny.com/40-free-family-fun-ideas/31 “Ever consider what pets must think of us? We come back from a grocery store with the most amazing haul - chicken, pork, half a cow. They must think we're the greatest hunters on earth!” Anne Tyler Meal planning can help you keep food expenses down and save money on gas by making fewer trips ... http://debtmutiny.com/meal-planning-strategies/20 "I went back to work because someone had to pay for the groceries." Bette Davis In this turbulent economy, it is becoming increasingly important to find ways to save money on food. According to a new poll conducted by the Consumer Reports National Research Center, women who use coupons and store-loyalty cards save ... http://debtmutiny.com/grocery-shopping-strategies/16 "Unless information is organized, processed, and available in a format for decision making, it is a burden, not a benefit” William Pollard To have an office that is conducive to productivity, it's important to create a workspace that is welcoming and orderly. Organize your desktop. Keep desktop as clear as possible, so you can have ... http://debtmutiny.com/optimizing-your-workspace/4 Thanks to Tammy’s Recipes for this one: Every time True Lemon gets a request for free samples of True Lemon, True Lime or True Orange from a new customer, they will donate 10 packets of True Lemon to Operation Gratitude, a non-profit organization providing care packages to U.S. Troops in the ... http://debtmutiny.com/true-lemon-and-operation-gratitude/5 “We are what we repeatedly do. Excellence then is not an act but a habit." -Aristotle Email is not a storage bin but an in-basket, similar to an answering machine. A trusted system for processing and organizing email is much more efficient than opening, reviewing, and closing the same messages over and over. According ... http://debtmutiny.com/organizing-email-the-gtd-way/50 “My idea of superwoman is someone who scrubs her own floors.” Bette Midler You can clean almost anything with these three simple, environmentally friendly, inexpensive ingredients: Dawn, White Vinegar, and Baking Soda. Non-Abrasive Cleaner/Deodorizer - Dissolve 4 tablespoons baking soda with 1 tablespoon Dawn in 1 quart warm water to clean and deodorize ... http://debtmutiny.com/inexpensive-spring-cleaning/3 "If you would be wealthy, think of saving as well as getting." Benjamin Franklin CVS has high prices compared to other discount stores. They do, however, have a very lucrative rebate and loyalty program. CVS’s ExtraCare Program gives you ExtraCare Bucks (ECB’s), which are store credits for purchasing an advertised rebate item. ... http://debtmutiny.com/saving-money-with-cvs-extra-care-bucks/48