Wednesday, August 29, 2012

Always Read The Fine Print + DIY Magnifying Glass Project

While reading my friends Facebook updates today I noticed one of those dear to my heart posted this:
“I wonder if there is such a thing as an honest realtor??? Found out today that we have to vacate our house on the day of closing instead of getting the 10 days we agreed to. I will never listen to anyone again who tells me.. “Just sign here, it’s like all the other addendums you’ve signed.”

Which brings me to my savings tips for today… always read the fine print, especially for anything relating to money changing hands. If you are signing a lease, read the fine print. If you are confirming a job offer, read the fine print. If you are submitting a rebate, read the fine print. Not only will this help ensure accuracy, it will help you make sure that everything you thought you were getting is what you are actually getting out of the deal.

It broke my heart to see something like this happen to someone I love, and it could have been prevented quite simply by reading the fine print.

Reading Takes Time:

If you can, take the paperwork home to review at your leisure. Ensure you read both your copy and the copy for the person with whom you are entering a contract, and that your copies are identical so there's no bait-and-switch going on.

Consider The Buddy System:

If you are aged, or have poor eyesight, always bring a trusted friend to read your paperwork to you or for you. If that is not possible, ask for the file to be sent digitally and use a text to voice program.

Try Your Hand At Sleuthing:

Use a magnifying glass. Not only will it help you read the fine print, it will make you look cool. Ok, maybe not, but it will be fun… While you are at it, wear a trench jacket and chew on a fat pretzel stick as if it is a cigar (sorry, no real cigars- lung cancer is expensive). You can find fake mustaches here, to complete the look.

DIY Magnifying Glass:

To really romanticize poor eyesight (you know you want to), make a cool yet affordable magnifying glass. Buy a cheap metal one and transform it with bake-able clay and some bronze colored paint.While the clay is soft, mold it to your liking. Add texture with fishnet, tulle, or a toothpick. After baking is complete, rub some green paint into the creases and wipe off for that antiqued look. Let dry.
Of course, if your eyesight is that bad, creating a custom made fine art magnifying glass is probably not at the top of your list… so humor me. I’m the humorous,Sherlock Holmes fangirl romantizing-poor-eyesight creative type.;)

***Nerd Warning*** 
(Mental image: Can you hear the sirens? Sorry, I watch too much sci-fi and I'm envisioning red flashing lights and an annoyingly repetitive beeping signalling something like a nuclear reactor preparing to blow or a ship full of aliens flying through a Stargate... please continue...)
This link will be useless to you if you have poor eyesight, but it's really cool if you have kids: Make your own water magnifier.

If that doesn't work for you, you can always request a digital copy to view zoomed in on your computer, them print at home to ensure it is the same thing you are signing.

Consult A Lawyer:

Is the legal-eze just above your head? Legal documents sometimes seem like they are purposefully written to confuse you. If you are low income and cannot afford a lawyer but have the need for one, consider visiting www.lawhelp.org or Google search “free legal advice.” Depending on your case, there may be professionals in your area willing to help for a small fee or pro- bono (volunteer).

Moral of the story: Don’t let yourself become the victim.
Have you ever had any issues understanding the legal paperwork of rebates or contracts?

Hobby Lobby 40% off coupon + other deals! (Week of August 26th)



Hobby Lobby released it’s new circular and sales ad Sunday with another 40% off coupon!
 
You can use the 40% off coupon on any item that is NOT on sale. Follow the links above for more information!

Remember, Hobby Lobby is closed on Sundays, so the deals all start tomorrow! Happy Shopping & Happy Crafting!

Free Bridal Guide Magazine! (GONE)


Click here and you can get one free issue of Bridal Guide Magazine!


Not getting married anytime soon? Already married? That’s OK! Sign up and then give it to a friend. I’ll be giving my copy to a girl friend at work who got engaged a few weeks back. I always give her bridal catalogs and she loves those so she will be very excited about this!

Hurry, before the deal ends!

How To Get What You Need Without Spending Anything!


No, it's not the "5 finger discount."...

It's bartering!

Back in the days before we had dollars and cents, let alone a rapper named 50 cent,  before we had Ben Franklin’s portrait on paper, bartering was the most common way of getting what you needed.

Think back to your elementary school days- what did we do when we had a snack in our lunch box that we didn’t really want?  We bartered. Nowadays this concept seems pretty foreign, but I promise you, it is innate and it works for almost anything… except perhaps utility bills. There are plenty of places you can find to barter. Try farmers markets, craft shows, local bulletin boards, and websites like Craigslist.org.

1. The key to successful bartering is that both parties must walk away feeling like they won.

2. Offer a reasonable barter…

Keep in mind that they may counter you. So don’t start with your absolute best offer. Aim a little better and wiggle back and forth until you both come to an agreement.

3. Don’t be too eager.

If you really need something, that puts the ball in their corner, meaning you could end up with the bad end of the deal. Don’t show all your cards right away. Be aloof but firm and leave your emotions at home.

4. Remember the value of your bartering relationship.

Whether the deal is better on their end or yours, or one of you concedes slightly for the sake of the bartering relationship, at the end of the deal you should both walk away satisfied with what you are receiving.

5. Finish the paperwork…

Have fun, be honest, be aware, be kind, and of course, if these items are large ticket items, make sure all the proper receipts are accounted for and the paperwork is squared away. You don’t want to take your items home and find out they were stolen goods, or worse- be scammed out of your item by someone who was playing you all along.

6. Safety First!

If you don’t know the person with which you are trading very well, make sure to take a buddy!