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Avoid a Summer Meltdown with These Ways to Keep Cool

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Yesterday the temperature was in the 90’s here in New Jersey, and I was looking for some ways to keep cool without spending a fortune on air conditioning. It seems like this summer is off to quite a warm start all around the USA and it’s not even a month old yet. It’s been 100+ degrees in lots of places out west and in the 90’s here in the northeast, ugh! With another 10+ weeks ahead of us of warm and muggy days, what are you going to do to cool off?

When the temperature spikes, you'll need some ways to keep cool without spending a fortune. Try these simple tips to "chill out".

You could jet away to a fabulous resort vacation someplace in South America where the temps stay in the 60’s and 70’s in what is considered winter there. You can even take off and cruise in Alaska or Nova Scotia or camp out in the great state of Maine. Those trips would definitely do the trick except for one tiny problem. They can cost you a small fortune and if you are traveling with your family, kiss your financial peace of mind good-bye and say hello to Mr. Credit Card Debt! So what can you do to stay cool this summer without burning big bucks? Here’s my list of cool low- or no-cost ways to stay fresh, save you money, and not go into a costly “hot money mess”! Continue reading

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…And The Savings Awards Go To: The 2017 SST Awards

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I really value my free time these days. Truth be told, almost all of my time is free and since I retired, I say “every day is Sunday” these days. That’s how it really feels most of the time. So having that time means my mind often wanders to thoughts that otherwise may never come into my head. Like, oh say, writing about the SST Awards (Super Saving Tips Awards).

The SST Awards are my attempt to give savings awards to the businesses and products that save you money and provide you with the best quality and service.

These are the savings awards that I give to the businesses and products that save you, the consumer, the most money or offer the best deals that will earn you the most in cash and rewards! Oh, you haven’t heard about them? Hmmm, that’s strange. It was in all the papers. 😉 Continue reading

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Are You a “Real Contender” in Life?

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We all have heard the stories of those special people that started life at the bottom of the ladder and yet somehow miraculously climbed from the bottom all the way to the top! It’s not only great to hear about those events, but it’s pretty inspirational, too. I mean, we know it’s tough to make it under good circumstances and yet some people overcome what seem to be insurmountable odds and gain such lofty heights despite those disadvantages. So how do they do it? The first thing that all those people do to get into the winner’s circle and become champions is that they have to become “real contenders”.

To succeed in life, you need to become a real contender. Here's more about the mindset to adopt and how it relates to your financial health.

An Example Both Fictional and Real World

If you’re a movie buff, you probably love the ones about the guy or gal who overcomes all the odds. Remember “Rocky” the 1976 film (and then the 1979 and 1982 etc.)?  Currently numbering 7 films in the series, they not only entertain but they really do make you think about an underdog who makes it to the top. Rocky may not be a real character, but the star, Sylvester Stallone is a real life “Rocky” all by himself. After all, he was basically an unknown in Hollywood when he wrote, produced, directed, and starred in a film that no one ever expected to be a success, let alone become a historic franchise about good ole’ Rocky Balboa and whose stories have grossed over $1.3 billion dollars worldwide over the past 40 years! Continue reading

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627+ Absolutely Free Things for You & Your Family!

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I have to confess it, “free” is just about my favorite word. I just love free things and I don’t think there’s ever a time when I can have enough of them. You are probably saying to yourself, well if it’s free just how good can it really be? After all, who would give away free valuable stuff in this day and age?

There are many free things for you and your family to enjoy if you know where to look. Check out my list of everything from birthday deals to free events.

As hard to believe as it might be, there are literally hundreds of things you can get for absolutely nothing these days, and they are all a real value to you or to someone you know. The trick is in knowing where they are and what if anything you need to do to take advantage of these treats! Continue reading

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Blogiversary Time: Celebrating 3 Years on the Blog

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I’m 3 today! I know I don’t look my age. Must be in the genes. Amazingly, time continues to fly by and it’s hard to believe it has been 3 years since I started writing Super Saving Tips. It really has been fun writing posts, reading your comments, and answering questions you have submitted from time to time.

As we celebrate the 3rd blogiversary for Super Saving Tips, I look back on the journey thus far and thank all my readers for their time and attention.

A Look Back

In the beginning, back in 2014, it seemed so easy to sit down and write off a post about something that had happened to me during my career or something that happened to my family that I could share with all of you. Would you believe that since then I’ve now published almost 300 posts! Ironically, I have never really thought of myself as a writer. I’m not saying that just to elicit some kind words from any of you, I really didn’t write much or even well in school. I never really kept notes, a diary, or a journal about my career but I do have a tremendous recall of the events that I write about, even those from my long ago childhood. Continue reading

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My New Cable TV Savings Thanks to a Little Complaining

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Watching TV, having a telephone, and using the internet have become so dammed expensive these days, which is one reason people are “cutting the cord” left and right. My cable TV bill is now the same price as my monthly gas and electric bill is and that’s really ridiculous! But if you’re not ready to leave cable, for whatever reason, what can you do?

Lots of people are cutting the cord to cable TV, but you can still get savings with your cable package. Here's how I got my latest deal and saved a bundle.

This year, somehow they snuck in charging us to watch good old regular TV shows on demand if they are older than a few weeks. This is something I didn’t even know about until I went to view one episode of something I have missed on my DVR. This isn’t a movie or a special pay per view event, it’s a TV show! They all used to be free until this year. Continue reading

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Yard Sale 2017 or How I Cleaned Out the Closets…Again!

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You’ve probably heard the old law that your possessions will increase to fill the space available for their storage. Even if you haven’t heard of it, you’ve probably experienced it in your own home. I currently live here in central NJ with my wife in a condo: 2 bedrooms and 2 baths with living room, dining room and eat-in kitchen. It’s about 1,200 square feet in total.  It’s very nice, just too small for all our stuff. Or more correctly, our stuff is too big for our home.  Here’s a solution…a yard sale!

We all have too much stuff, but there's a solution...have a yard sale! Here's some tips on having a successful sale and how my yard sale went.

Frankly, all my life I have been used to a lot more living space than we have now and that had resulted in some serious space problems. I’m not sure if you will believe me, but we both still have things in the original boxes from the time we both moved into this home. Those original boxes are still taped shut and enclose some things that might be older than your kids or even you who may be reading this post! Literally, almost every square inch of our closet space is totally packed with “stuff”. I complain about it almost every day but I’ve been so lazy about it that that’s all I have done. I’m really good about complaining. Continue reading

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I Love the Internet! (Especially for Personal Finance)

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I love the internet! I mean I really, really love the net. Yes, of course I love my wife Suzanne very much, but I love the internet. Can’t I just marry it too and pledge my everlasting love and devotion?

While these days it's taken for granted, I love the internet! Here's just some of the ways it has improved personal finance, not to mention everything else.

The internet is always there when I need it (barring a power failure). I thank you batteries and Wi-Fi very much for that. Yes, I can use my laptop or smartphone and take it anywhere I go and that’s a really good thing, isn’t it? Continue reading

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Should You Get an Attorney for Traffic Tickets?

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I recently spent the day with my good friend who went to court on a traffic ticket here in my hometown…hey, I’m retired so I have a lot of free time on my hands. I was there as moral support armed with a little bit of knowledge that I have from some of the memorable and yet unpleasant experiences I have had over the years trying to fight a ticket in court.

Well, there’s some good news and some bad news here to report. The good news is, of course, you get your day in court before the judge. The bad news is that nothing I have ever experienced has really changed. You probably can appear in court until you are blue in the face, you’re more than likely to be ruled guilty as charged and you’ll have to pay a fine or worse. It may be even much worse than you think. So today I’d like to write about whether you need an attorney for traffic tickets.

Getting an attorney for traffic tickets may be the smart thing to do. Check out my experiences with traffic court and decide for yourself.

The System is Really “Big League”

If you have ever gotten a traffic ticket, like a speeding ticket, a drunken driving ticket, or a ticket related to an accident, then you probably have received from one to a dozen solicitations from lawyers who make a living representing people like you and me in traffic court. These guys practice this kind of law exclusively and sometimes handle dozens of these cases a week. Continue reading

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What is the Best-Kept Secret to Big Success?

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If you had the ability to sit down and ask a self-made millionaire, “What is the secret to your success?”…what do you think they would answer? I bet you’d be very surprised. It more than likely would be a simple and straightforward answer. My guess is this: “Dream BIG!”

Whatever your goals in life are, the secret to success is a special kind of positive thinking. Can you really think your way to success? I believe you can!

When do we dream big?

The concept of dreaming big isn’t a new one by any means. In fact, I bet that back in the Stone Age there were people who dreamed big about things like having one of the biggest caves or having the best furs to keep warm in the cold. The point is that the “dream” itself is the very first step that you must take in life, if you ever hope to make your life the best it can be. Continue reading