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Your Frugal, Money Saving Websites and Forums a Great Resource for Free Stuff In any economy, it is essential to save money and therefore any way there is to get free stuff is a good way. Many pages online offer help, advice and even coupons on how to save money and be frugal. These websites offer coupons to reduce the grocery or department store bill, send out monthly newsletter with the best moneysaving tips and even direct their visitors to free stuff. Many bigger companies, manufacturers of everyday household items and restaurants offer coupons for reduced price or sometimes free products. Visiting every month all the different manufacturers’ web pages can be very lengthy and proves to be not very efficient. But by visiting one of the sites that cumulate all that information into their web pages, one can save enormous amounts of time and additionally save dollars when shopping. Essentially, when looking for web pages that offer grocery coupons, links to free products and more it is important to make sure that a trustworthy site is entered. On the Internet, viruses and identity theft are a great concern. Of course, many of these online coupon resources require signing up, but it always depends on the information they ask to determine whether a page is fraud or not. In general such pages should not ask for social security numbers, credit card numbers or other account information. They may ask for name, age, telephone number and address. Signing up to one of these wonderful money saving pages is quick and easy. Many of these web pages also offer coupon printers so that the barcode on coupons gets printed legible for the store scanner. Some of the coupons and rebates found on those pages will help the shopper to free products or credit on a store card so that the shopper is able to receive free products at the next shopping trip. There are pages that even offer state customized advice. These pages offer a list of coupons, free products and special offers from certain stores close to the location that was picked as home location. This function offers shoppers the opportunity to exactly know where they are able to get free or reduced products close to home and shoppers do not have to do a lengthy search to find out which stores will accept certain deals and coupons. Some of the pages also offer forums, where other shoppers will post advice or deals that they saw in the area. This is often a great tool to save, since stores will have a reduced sale, a clearance sale after a certain holiday and other shoppers will post where they saw great deals. This way whoever is subscribed to receive alerts from the forum gets to know where great seasonal or short-term deals due to promotions and clearances can be found. The more pages a shopper is a part of, the more deals can be found and the more money can be saved. Money savers are everywhere and with little effort shoppers can save money for college funds, vacations funds or just to have some money for fun. When looking to reduce monthly spending and still trying to stay at a certain standard of living, online resources can be used to just do that. There are many companies, that will offer free trial sizes or regular sizes of new or improved products and to find out about such deals, a subscription to one of the moneysaving websites can help shoppers to more of these free products. It is easy to save money, and the more experienced a shopper gets and the more a shopper learns about saving money with these websites, the more will actually be saved.

Achieving a Better Family and Work Balance Makes for Better Job Performance Are you constantly working after hours and weekends at the office? Are beginning to forget what your family even looks like? Many people find themselves in this predicament. Work seems to get more and more demanding with every passing day, and to stay on top of your game at work, you feel like you need to put in long hours. The flipside to this is that of course when you are at the office, you are away from home – away from family dinners, play time and your kids’ sporting events or school plays. You may feel like your hands are tied – that no matter how much you want to be more involved with your family life, you have to keep working as hard as ever to make sure your family is provided for in the long run. The truth is, however, that you may be doing yourself a disservice on both fronts. Studies have shown time and again that well rested workers with well balanced lives are more productive in the time they do spend working. In the end, the best way to be a stand out worker at the office is to be fully involved and present in your family live. But wait, you say, “I’m working practically around the clock now, and everything still isn’t getting done.” However, maybe the problem isn’t that you aren’t working hard enough. Maybe the problem instead is that you aren’t working smart enough. Think about the way you spend you working day. Are you taking on more responsibility than you need to, instead of delegating tasks to others? Are you spending a lot of time chatting in the break room when you run for a cup of coffee? Are you procrastinating so that big projects require you to work all-nighters instead of spreading out the work? Keep a journal of all of your activities at work for a few days. You might be surprised to see how you are really spending your time and in what areas you could make improvements. Simply staying on task and delegating effectively could get you home in time for dinner. When you have done everything you can to make your work habits as productive as possible, it is time to turn to other ways to balance your work life and your family life. Rule number one is the hardest one for most people to follow you – draw clear lines of distinction between work time and family time. Family time isn’t really family time if you are constantly on your cell phone making and receiving work calls or if you are on your laptop for the entire family vacation. When you’re working – work. When you’re with your family – concentrate on them. The time you spend actually taking a breather from work will recharge your batteries and make you a better worker when work time rolls around again. Next, you have to evaluate your priorities. Maybe working around the clock will help you make partner faster, but at what cost? Decide if seeing your daughter’s soccer game every week is more important to you than moving up the corporate ladder quickly, and make adjustments in your schedule appropriately. There is no right or wrong answer, but deciding where you priorities lie will make scheduling easier for you. With your priorities in mind, see what work options are available to you to help you meet them. If you want more time with the kids, see if your office offers flex time or part time hours to help you meet your family commitments. Last but not least, don’t feel guilty about taking time with your family. Not only is this time important to your family, you can rest assured that the time out from the office stress will make you more productive when you return to work.

Networking Know-How: How to Get Through to the Busiest of People When you are job hunting, sometimes the most frustrating part is just getting your foot through the door to let the right people know that you are out there and available for work. Companies can be like members-only clubs; they tend to be a little distrustful of cold callers and most executives advise their assistants to run interference for them on the phone so they do not get stuck having a protracted conversation with someone they just aren’t interested in doing business with. The thing is that to get an interview, these people can be the very same people you need to talk to. How do you get these busy people to clear some time off in their busy schedule to speak to you? First things first – you have to get the right attitude. If you want busy people to make time to talk to you, you have to present yourself in a way that makes them feel like you are worth the time investment. The trick here is that you have to do this by phone, and often, you have to first convince an operator or personal assistant that your call is one worth putting through to the boss. Your phone etiquette and vocal confidence will be the key here. Consider you basic phone manners first. Instead of launching right into what you want, respond to the greeting of the person who answers the phone with a hello of your own. Animate your voice and always remember that simply saying “please” and “thank you” can go a long way. Be the kind of caller that you would want to talk to if your job was answering the phone all day. People will respond to your positive attitude with a positive attitude of their own. Next, consider your confidence level on the phone. Do you tend to get tongue-tied and stumble over your words? That kind of delivery from you will set all the warning bells ringing on the other end of the phone, and you will find the person with whom you wish to speak always “out of the office.” Instead, work on sounding like you are confident that it is a forgone conclusion that you will get to speak that busy person you want to talk to. Be confident that what you have to say is something that is worth hearing. It may help to write out a framework of what you will say and practice a few times so you sound relaxed and composed when you make that call. Once your attitude is right to make the call, you can then employ a few tricks of the trade for getting through to those busy people. Instead of giving away too much up front, start your call by asking if the person with whom you need to speak is in. If the answer is yes, then you can remove on potential “excuse” for not putting your call through. If your call can’t be taken at that time, skip the message. Let the PA or operator know that you will call back again. That way you have a legitimate reason to keep calling. Of course, you might have to keep calling and calling, and that assistant might start knowing the sound of your voice. If you keep speaking to the same person, it’s time to open up with some person details. Let them know your name, why you’re calling, and if someone referred you, who that person is. Developing that personal relationship can help you get your call through to the boss. Last but not least, don’t give up. Busy people are, well, busy, and not necessarily avoiding your call. Persistence pays off, so keep on calling until you get through.