SMALL "CHANGE" MAKES A BIG DIFFERENCE
KATHY CHURCH
SPENDING COACH
TIME TO FACE YOUR FINANCES
What do you REALLY owe?
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Sensible Spending, LLC
Whether it's your Business OR Personal Living Expenses -
you deserve the best value for your money

Let Sensible Spending help you get the most out of every dollar!
Found something on our website that saved you money?  Tell us!
Use the comment box (upper right hand corner)
...and don't forget to share the savings
FREE Tools to Manage and Grow Your Business

Quick Books Simple Start Accounting Program (Free Edition 2010 from Intuit) -
Great offer for small businesses just getting started!  Download at Quick Books.
com

Microsoft Office Live - Store up to 5GB online, Works with Microsoft Office Word,
Excel, and PowerPoint + View, edit, share documents with password-protection.

Open Office (provided by SunSystems) -  Provides word processing, spreadsheets,
presentations, graphics, databases, and more!   Additional benefits:

Available in more than 90 languages.
Works with many different operating systems.
Stores all your data in a ISO-standard format (ODF).
Can read and write Microsoft Office files.
Can be used free of charge by anyone for any purpose!

FREE Directory Listing Websites (to increase your web presence)

GetFave
InLocal
Kudzu
Merchant Circle
Services We Offer
On Our Website
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Ensure you are withholding the correct amount of taxes from your paycheck.  To
ensure that you do not withhold too much or too little, use the IRS Withholding
Calculator.

Remember to use your AAA membership to obtain discounts at restaurants,
stores, for entertainment and home services.  Some current discount partners
include Joe's Crab Shack, Rain Forest Café, Payless Shoe Source, New York &
Company, Sherman Williams and Arrowhead Water Home Delivery Service to
name a few.  Use the Discount tab at the top of the AAA.com homepage to search
for discounts in your area.

Spend less to eat out with your family - find discounts and free meals at Kids Meal
Deals.

Get FREE product samples at Walmart.com.  Samples are great for traveling or
testing out new products before you spend your money.

Use e-Coupons that load directly to your store shopper's card.  You don't have to
clip anything and the coupon discount comes off your shopping total automatically.
Sign up at sites like:

ShortCuts
CellFire
PGeSaver (savings for Proctor & Gamble products only)




  This is a simple way to earn FREE money for your child's college education or
  even your own since (you can change the beneficiary information at anytime).

Do a little research before you make a large purchase like a television,washer,
dryer (etc.) since many stores will price match their competitors.

Planning to move or relocate?  Take advantage of a 10% moving discount from
Lowe's or Home Depot. Sometimes you can find these discounts and others in the
Mover's packet at your local post office.

Print a FREE nationwide prescription drug card with savings up to 75% on
prescription drugs as well as discounts on lab work through affiliated medical
facilities.  You can use the web site to check the actual price of your prescription
(after discount) or locate pharmacies in your area that accept the card.
Spend Less & Get More for Your Small Business
Click here for more ideas
Spend Less & Get More for Your Home & Family