Retiring on a literal shoestring: support group (screaming, Mobile, Arizona)

[OneDayAttaTime]

EVEN IF YOU ALREADY HAVE A CELL PHONE -- GET A DISCOUNT!
Cell phone providers (Verizon, AT&T, Cricket, Sprint, US Cellular, T-Mobile, Nextel, Alltel, etc.) can use a Foundation Account Number (FAN) to give a discount to people who work, to active military plus Dept of Veterans Affairs employees or those with an AARP membership!

Stay with me on this.... AARP costs about $16 a year--(cheaper if you get it for longer than 1 yr) to can get you a 20% discount on your cell phone bill. On a $50 cell monthly bill that is $120 savings a year. After the cost of the AARP card you save $104 a year!

HERE IS HOW. (Example given is for AT&T. All others contact your cell phone provider for the FAN discount procedure and ask if they give discounts for AARP.) If you are:

• age 50 and over: $16 AARP membership covers both you and your spouse or partner.
• under age 50: you will need to be on the AARP membership of someone who is age 50 (parent, spouse, partner, etc) (In other words, you might have to buy a $16 AARP membership for your parent if they don't have one, in order to get a nice cell phone discount--but that way you can both get a cell phone discount....even if you don't use the same cell phone provider.)

If you have an AARP membership, simply go to the AT&T Corporate store with your AARP card and get the discount.

If you don't yet have an AARP membership-AARP membership application call toll-free, 1-888-687-2277, Monday-Friday, 7 a.m. - 12 midnight EST
After you have it go to an AT&T CORPORATE store to show ID and the AARP ID, in order to get your discount applied. Call before going, as the stores may change hours or locations.

[OneDayAttaTime]

1. Legal forms (free) - http://www.legalforms.name/
2. Legal forms and sample form letters covering many subjects. http://www.formsguru.com/ (Collection includes several hundred.) (Most are free, some require a small cost")
3. Suze Orman's Will and Trust Kit (FREE!) Suze Orman internationally acclaimed personal finance expert : The Suze Orman Show : Will & Trust Kit : FICO Kit : Insurance Kit : Women & Money then use peoplefirst as the gift code.
4. Advanced Directive (State Specific) CaringInfo.org: Advance Directives - State AD Download

[OneDayAttaTime]

Eyeglass Deals

Get your written prescription and then check out:

• www.39dollarglasses.com They frequently have coupons for $10 off each pair making them only $29 and there is quite a good selection in that pricerange.
• Global Eyeglasses is the Largest Global Online Optician. Prescription eye glasses from just $7.99. http://www.globaleyeglasses.com/
• ZENNI INTERNATIONAL OPTICAL www.zennioptical.com Eyeglasses from $8 Prescription eyeglasses as low as $8.00 Phone 1-800-211-2105 http://zennioptical.com/cart/home.php
• America's Best Eyeglasses Check their website and see if there is a location near you. www.twopair.com they offer 2 pair of glasses with a free eye exam for $69.95 and for an additional $15 I was able to get a one year warranty on the glasses.
• LBW Eyewear http://www.lbweyewear.com/
• Pearle Vision has a B1G1 offer on their website: http://www.pearlevision.com/ The details say it's for 2 with the same prescription, but you could talk to them and see what they can do for you. They also offer 30% off for AAA members.
• Sunday coupon sections, there's almost always coupons for the chains in the there.
• http://eyedrx.com/eyeglass-specials/promo.php They have a deal for 2 pairs for $99, and it can be different prescriptions
• http://www.jcpenneyoptical.com/coupons.html JC Penney has coupons to save up to 50% and to buy a kids frame and get their lenses for free
• http://www.searsoptical.com Sears has a sale, save 50% on the first pair, 60% on the second, 70% on the third, and 80% on the fourth
• http://sites.target.com/site/en/spot/page.jsp?title=optical Target has these offers listed on their site: Buy one pair, get the 2nd pair at 50% off
  Worry-Free Youth package: choice of any frame $25 premium lenses, and one year replacement option www.lenscrafters.com They have a 30-day guarantee - buy the frames, get 50% off the lenses, and take 30 days to decide if they're right for you
• Lenscrafters has a program for low income families (might need referral) called "gift of sight" program. Exam & glasses are covered by this program 100%. Call your local lenscrafters for more info.
• Don't forget that if you only need reading glasses you can get them for $1.00 at Dollar Tree!

[newenglandgirl]

Originally Posted by OneDayAttaTime

1. Legal forms (free) - http://www.legalforms.name/
2. Legal forms and sample form letters covering many subjects. http://www.formsguru.com/ (Collection includes several hundred.) (Most are free, some require a small cost")
3. Suze Orman's Will and Trust Kit (FREE!) Suze Orman internationally acclaimed personal finance expert : The Suze Orman Show : Will & Trust Kit : FICO Kit : Insurance Kit : Women & Money then use peoplefirst as the gift code.
4. Advanced Directive (State Specific) CaringInfo.org: Advance Directives - State AD Download

Welcome to this thread and thanks for posting such great links! I will look at them all asap. I actually got the Suze Orman trust and will kit, but decided not to use it b/c it's only possible to use it online, which means you have to keep all your personal info online (tell me if I'm mistaken, but that's what it seemed like when I read the CD box).

Does anyone know whether it's safe (legally) to create your own will and revocable trust without the services of a lawyer? Has anyone done so?

[OneDayAttaTime]

Originally Posted by newenglandgirl

Does anyone know whether it's safe (legally) to create your own will and revocable trust without the services of a lawyer? Has anyone done so?

My late mom paid a huge amount for her trust to be set up by an atty. Her atty had someone in his office plug in the info and it printed out. He did not sign it anywhere as an atty. It was signed by him and his legal secretary as witnesses!!!! (The only other thing they did and this is what it tells you in Suze's info is filed the papers at the courthouse that changed it from my mom's name to show it was now Her name Trust.)

My sister worked for attys and she said this is common practice on how it is done. So, I have no idea why in the world we are paying them a small fortune to do this for us!

[OneDayAttaTime]

WORK FROM HOME JOBS

• BIG LIST http://www.city-data.com/forum/work-employment/351529-you-can-work-home.html
• MYSTERY SHOPPING http://volition.com the most complete list of companies looking for people to mystery shop. a (Remember you NEVER want to pay someone to mystery shop. They pay you!) Sign up with each company individually - but once you do, if you are in a populated area with any type of national stores, you will start seeing mystery shopping jobs come your way. This site also gives you other ways to make money.

SELL WHAT YOU HAVE TO MAKE MONEY-

• Ebay- no longer needed sewing patterns, little knick knacks, old containers, clothes, etc.
• Craigslist.com for your area is great for selling household items or things that people can use, and for larger items that you dont want to ship. (FREE)

Free places to advertise your stuff:

• http://www.city-data.com/forum/charlotte/299279-free-places-advertise-your-stuff.html
• http://www.city-data.com/forum/austin/590450-online-free-places-advertise.html

Places to sell crafts, besides ebay:
http://www.city-data.com/forum/hobbies-recreation/220834-way-sell-crafts-other-than-ebay.html

[OneDayAttaTime]

WAYS TO SAVE LIST http://www.city-data.com/forum/frugal-living/532632-ways-save-money.html

MONEY SAVING TIPS Money Saving Tips at WomansDay.com - Free Tips on Saving Money (http://www.womansday.com/Lifestyle/Family/Money-Saving-Tips.html - broken link)

THE WORLD'S BIGGEST DIY- http://www.instructables.com/

Recipes for making household cleaners, washing powders, bug killers, degreasers, baby soaps,termite killers, etc. http://www.recipegoldmine.com/house/house.html

[OneDayAttaTime]

Free Redbox movie - http://www.redbox.com/Help/Signup.aspx
They put them outside of Wal-Mart or Walgreens, grocery stores, etc.


BIRTHDAY FREEBIES- http://www.freesamplesite.com/ydf/forumdisplay.php?f=115

FEE FREE WEEKENDS IN NATIONAL PARKS NPS - Page Not Found

[Umbria]

Onedayatatime- You are the best!

[OneDayAttaTime]

Coupon Mom - Grocery Coupons & Samples
http://www.couponmom.com/

SmartSource - Printable Coupons
http://smartsource.com/

Redplum RedPlum set your Location to take advantage of deals in your area as well as National offers

Super Target Food coupons
http://sites.target.com/site/en/supertarget/page.jsp?title=coupons_specials

Coupons updated monthly http://www.freesamplesite.com/ydf/showthread.php?t=172193

Deals, Shopping, Coupons, Samples

Savings Mania - Your Guide to Finding Great Deals, Coupons, Contests, and More!

http://www.boodle.com

http://www.eclip.com/

www.Bettycrocker.com

www.Pillsbury.com

Nestle or http://www.everydayeating.com/specialoffers/

General Mills

www.Save.com

www.coolsaving.com

www.pg.com Site is loaded with free samples and coupons including free make up samples, deodorant, Mr Clean magic eraser duo, Therma care heat wrap, $7.00 off crest white strips premium. Also lets you know when the next Brand Saver will be distributed in the Sunday papers.

www.shoppingbookmarks.com best list of free offers and links to receive rebates that will net you extra cash plus free items.

http://www.valpak.com (not sure if this one is still good)

Pinching Your Pennies Forums - Printing Pennies