Hi Everyone,

I had serious third degree burns on my hands, and pain medications injured my brain. My recovery has been very slow going. I’ll be updating on a regular basis. I have thousands of comments to go through. I will go through all of them. Thanks for all of the great comments, they really touched me!

My goal is to help you reach your financial goals. I want to provide you with the information that will help you the most. So all questions are welcome.

I will be adding valuable content on a regular basis. My goal will be to start by adding 2 new posts every week, and approve all of your comments that are not spam. Then I would like to add a minimum of 5 new posts a week to catch up. I will catch up it, may take longer than I expect or want. But I am determined to give you the great content you deserve!

Thanks for understanding,

Tonimarie
Blue Moon Financial Group

In these crazy financial times, we strive to advise you as we would a family member and a close personal friend. With helpful money saving ideas, frugal tips, budget plans, ways to get out of debt and become debt free. We can’t guarantee success in becoming debt free. All we can do is give you the best advice we can. Only YOU can determine what will work for you and your family. We will do our best to help guide you on your journey to becoming debt free!

Hi Everyone,

This website is going through major construction to make it even better. I still have the blog and all the great content

bluemoonfinancialgroup.com/blog

Now I will be adding more information to help you. The Frugal Friday is your favorite part of the blog, so that will still be up every Friday. So come back for that.

I know you will enjoy the updated website. Feel free to submit all of your questions and look for the answers.

Here’s to your financial success…CHEERS!

The Blue Moon Financial Group Staff

Due to unforeseen occurrences I have not been able to post.

All post will be added within the next 7 days. Some post had to be rearranged. Sorry for any inconveniences this may have caused you.

Thank you!

Every Friday we’ll be giving you Four Money Saving Tips to help you save dollars daily.

A dollar doesn’t sound like much money today. But it adds up quick if you start using these tips.

Saving Money Wherever You Can Everyday!

1. Gas Ovens: Gas ovens and tops create instant heat, not like an electric oven that requires a lot of energy to reach the right temperature. Gas is cheaper than electricity.

2. Downsize that pan: Use the smallest pan required for cooking your food. Why waste energy and your money to heat up a large pan when you do not have to. Don’t forget to cover those Pots and Pans: By covering pots and pans when cooking, it will cook the food quicker thus saving you money.

3. Invest in a good pizza stone. When you make your homemade pizzas, a pizza stone will improve the taste. Kids love it as much as adults do. Don’t forget to let them help with the toppings. This is a great way to add veggies and they love to eat what they make.

4. Invest in a cast iron pan. One added benefit is it adds extra iron to your diet. You need to season it first. Fill it with vegetable oil and place it in a 200 degree oven for 90 minutes. Then drain and discar the oiv, and wipe the pan clean. You will want to coat the pan for the first few uses. Don’t forget never uses soap to clean it. Just a cloth or paper towel to wipe it out. This pan will become your favorite on the stove and in the oven!

Every Friday we’ll be giving you Four Money Saving Tips to help you save dollars daily.

A dollar doesn’t sound like much money today. But it adds up quick if you start using these tips.

Saving Money Wherever You Can Everyday!

1. Cancel subscriptions: Really think about how much money you are spending on cable, newspaper, DVD rentals and if this amount is worth how often you use it. Consider reading newspapers online, Hulu.com offers plenty of free up to date TV shows and movies to watch from your computer.

2. Stop paying interest. Make sure you pay off the complete amount of credit cards, and auto loans, and mortgages.

3. Sell your clutter. This is not so much saving money as making it, but it’s frugal. Life will be easier when you declutter and make a few dollars doing it. Hold a garage sale or sell it on eBay.

4. Visit some Goodwill stores and consignment shops, especially for clothes. They have a wide array of designer clothing. You can save big money. You’ll be amazed by some of the great treasures you’ll find too.

Every Friday we’ll be giving you Four Money Saving Tips to help you save dollars daily.

A dollar doesn’t sound like much money today. But it adds up quick if you start using these tips.

Saving Money Wherever You Can Everyday!

Home

1. Call your different service providers. Example call your cable provider, and ask to speak to the customer retention department, they can lower your rates, or offer you different insentives.. There is nothing to lose by calling up companies and trying to haggle with them. They WANT your business!

2. Do it yourself. Instead of hiring someone to do something, try doing it yourself. There are plenty of DIY instructions on the internet. try youtube is a great help. We installed our dish washer and saved $75. It was very easy.

3. Use a very damp microfiber cloth to clean your mirrors. Works great.

4. Make your own cleaning products. It is actually much easier than you think. Plus you eliminate those dangerous chemicals.

Here is a recipe that I use:

Multipurpose cleaner and disinfectant:

1 cup white vinegar + 1 cup water
Mix together and wipe over surfaces. Works great on your floors.

Every Friday we’ll be giving you Four Money Saving Tips to help you save dollars daily.

A dollar doesn’t sound like much money today. But it adds up quick if you start using these tips.

Saving Money Wherever You Can Everyday!

Food Saving Tips

1. For certain vegetables and fruits money can be saved by growing your own or, at the very least, picking your own. Gardening can be fun and rewarding, as well as educational. Going to a pick-your-own farm or orchard once in a while can be a great outing for the family, and provide you with low-cost produce for those favorite recipes you can make ahead of time.

2. Do not hesitate to change a recipe so it can be made less expensively. It will help your budget, and may even taste a bit better. Be creative. For instance, does the recipe really need all the meat it calls for? Or, perhaps, a different, less expensive, meat can be substituted. Maybe you can stretch that hamburger by adding some bread or cottage cheese. Or, instead of that brand name ingredient named in the recipe, can a more generic ingredient serve just as well. Can you use a little more filler like potatoes and beans to stretch a recipe? Maybe a little less sugar would be good, or eliminating ingredients that enhance a recipe’s color, but do not contribute to taste, would be OK. It’s just a matter of always trying to reduce the cost of a recipe in any way possible, while maintaining its nutrition and taste.

3. You can even make some meals ahead of time that only need to be refrigerated, and that you intend on eating in the next several days. So, you do not have to cook every night to save money with home cooked meals. Just plan ahead, save and enjoy the convenience of coming home and just heating up one of your home cooked meals.

4. Instead of buying those ready-made baby foods, consider making your own. It’s quite easy. You pretty much just need to puree cooked foods for the baby, and add a little water. You can also puree fruit, bananas, apples, pears, and ect. Be aware of what foods your baby should be eating. Freeze the pureed food in ice cube trays, and pop them into freezer bags when they harden. Take them out as you need them. It’s a great timesaver, money saver, plus you will be avoiding a lot of salt, sugar and preservatives. Don’t forget breast feeding your baby costs less and it’s better for the baby. You can pump and store the extra breast milk in the freezer so others can have the pleasure of feeding your baby too.

Every Friday we’ll be giving you Four Money Saving Tips to help you save dollars daily.

A dollar doesn’t sound like much money today. But it adds up quick if you start using these tips.

Saving Money Wherever You Can Everyday!

Entertainment

1. Take turns with friends or family, having them over for a nice dinner at home rather than eating out.

2. Have a family game night, it’s free and fun. Plus it creates memories.

3. Read stories with your kids. Take turns reading aloud. It helps your children more than you know.

4. Go on family picnics. Even if it’s just on the livingroom floor.

Every Friday we’ll be giving you Four Money Saving Tips to help you save dollars daily.

A dollar doesn’t sound like much money today. But it adds up quick if you start using these tips.

Saving Money Wherever You Can Everyday!

Entertainment

1. Note the channels your family watches most, and check their website, and see if your favorite programs have the full episodes. Consider cutting down to bare bones basic cable, or canceling the service altogether. If nothing else cancel premium cable TV channels. (They replay the same to death.)

2. Wait a while after the premier and catch the movie at the $1-3 cinema. Skip the expensive popcorn! If they don’t have one of these low cost cinemas in your town, then opt for a matinee.

3. Rent a DVD instead of catching a movie at the theater. We love redbox. Make popcorn to munch in front of the TV. Pop it up in a hot air popper, in a brown lunch bag in the microwave, or the old fashioned way, on the stove with a little oil (don’t forget the lid!). The kids will be fascinated.

4. Borrow movies from the library or friends for free and make homemade snacks!