Money Matters

10 Holiday Shopping Tips by Lisa Rogers-Cherry

Shopping-spree


 
1. Make a list for who and what you're buying and set a budget for each.
 
2. Be sure to take the advertisement to the store with you for the items that you want to purchase.
 
3. Pay close attention to your purse and/or wallet. Pickpockets are extra busy during this season.
 
4. Keep all of your receipts in an envelope and ask for gift receipts when making purchases for others.
 
5. Give gifts that you can make.
 
6. If you have to mail gifts, don't wait to the last minute. Send them early, if possible.
 
7. Avoid the crowds and shop online. Be sure to google online promotion codes and coupons for the stores that you are purchasing from.
 
8. Use cash only to make purchases.  Do not use your credit cards!
 
9. Steer clear of buying extended warranties.  Usually the manufacturers warranty covers the first year anyway.
 
10. If you have a large family, pull names and purchase one gift instead of purchasing for each family member.
 
 
 
Lisa'spic_pdf[1] Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt:  A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95). Lisa writes monthly financial tips for www.bloggingblackmiami.com and can be heard on www.wmbm.com  on the Let's Talk Money Show.  If you have a question or for more information go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P. O. Box 1196, Dania Beach, FL 33004.
 

SMART SHOPPING FOR COLLEGE MONEY

YOU CAN AFFORD TO GO TO COLLEGE.

CAN YOU AFFORD NOT TO?

 

SMART SHOPPING FOR COLLEGE MONEY

 

If your family income is less than $250,000,

You may be eligible for financial aid!

 

u   Learn how to navigate the system

u   Hear testimonies from scholarship recipients

u   Learn about financial aid and scholarships

u   Step by Step through the FAFSA application

 

 

Sunday, January 10, 2010

10:00—1:00 p.m.

Temple Beth Sholom

4144 Chase Avenue, Miami Beach

 

RSVP to Tamara Kaz at tk @tbsmb.org or 305.538.7231 x232

 

FREE Community Event

A program for High School Juniors, Seniors and their families

 

 


Financial Tip of the Month by Lisa Rogers-Cherry: Don't Spend Money to De-Stress

Lisa 
Lisa Rogers-Cherry

Don’t spend money to de-stress. As we approach the festive season, a time that is considered by some as one of the most stressful times of the year -- I ask that you do not spend money to de-stress.  Some people will often make purchases to make themselves feel better. Think of what big ticket items you have purchased when you were sad, depressed or were simply having a bad day. I used to spend money just to wind down after a stressful day. Sometimes I would end up buying things that I didn't need to make myself feel better. Now, I’ve found that I feel better by finding something constructive to do like writing in a journal, trying a new recipe, reading a book, or spending time with my family. Can you think of several things that you can do instead of spending money?

 
 
Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt:  A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95). Lisa writes monthly financial tips for www.bloggingblackmiami.com and can be heard on www.wmbm.com  on the Let's Talk Money Show.  If you have a question or for more information go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P. O. Box 1196, Dania Beach, FL 33004.
 
 

It didn't take a crystal ball: Marlins Stadium cost increases

The Marlins Stadium parking garage cost increases more than $40 million

In what was so not a surprise, the City of Miami Commissioners got the bad news that the projected Marlins Stadium parking garage cost of $94 million increased to $135 million.

Stadium opponents will likely rub that in the faces of the commissioners who supported the deal and surely, the last few weeks of the upcoming elections will find Commissioners Joe Sanchez and Michelle Spence-Jones in defense mode regarding their vote on the project. Those additional $41 million will not be lost on the voters taxpayers in the City of Miami.

Don’t get it twisted, the City of Miami Commission took the first hit in announcing a cost increase in the Marlins Stadium project. There will likely be more increases before the project is completed. How the taxpayers respond to the increases is the big question. Stay tuned.

 
 

Related Links:

Marlins Stadium Parking Garage Costs Soar

Marlins garage already $41m over budget

 


Financial Tip by Lisa Rogers-Cherry

Lisa'spic_pdf[1]


Save at least $1 a day—Each day, deposit your leftover change or dollar bills into a jar. Over a one year period, this money will add up. By the end of the year you may actually have enough money saved to pay off a debt or have a good start on a savings account.  Check with your local financial institution for an account which will allow your extra change from purchases to be directly placed into a savings account. Remember, every penny helps.
 
 
Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt:  A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95).  If you have a question or for more information go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P. O. Box 1196 , Dania Beach , FL 33004 .

It's back! "Let's Talk Money" on WMBM with Lisa Rogers-Cherry

Our financial expert, Lisa Rogers-Cherry, is back with the rebirth of the popular radio show "Let's Talk Money" with Bishop Victor T. Curry, Senior Pastor of New Birth Baptist Church Cathedral of Faith International and St Ruth Missionary Baptist Church. 
 
Lisa and Bishop Curry start tomorrow, October 5, 2009 from 9:00am-10:00am on 1490am WMBM.  Once a month Bishop Victor T. Curry and Lisa Rogers-Cherry will discuss financial issues affecting the urban communities in South Florida. Be sure to check the radio show at http://www.wmbm.com and Lisa's monthly financial tips on Blogging Black Miami.
 
Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt:  A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95).  If you have a question or for more information go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P. O. Box 1196 , Dania Beach , FL 33004 .
 

Financial Tip of the Month: More Than Enough

 by Lisa Rogers-Cherry

  

I recently heard a friend say that we are blessed with more than enough.  Although America is currently in a recession, almost everyone has more than enough of something that can be shared.  How many pair of shoes, pants, or socks do you own?  If you have more than ten pair of any of these items, I'd say that you have more than enough.  Take a quick look around your home, office, garage, closets, or kitchen and take notice of what you have more than enough of.  Now, think of two people or organizations that can be helped by your donation.  Let's all pay it forward without spending a dime.  So many people are hurting and in desperate need of our assistance. 

 

Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt:  A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95).  If you have a question or would like more information about the book go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P.O. Box 1196 , Dania Beach , FL 33004.

 


Don't Sleep On This!: Public meetings on proposed county budget

Commissioner Audrey M. Edmonson to host several meetings on Miami-Dade County proposed budget


(Miami-Dade County, FL) -- 
Commissioner Audrey M. Edmonson will host three meetings during the month of August for residents who have questions or concerns about Miami-Dade County’s 2009-2010 proposed budget. Residents can attend any of the following scheduled meetings to comment on the budget:

Tuesday, August 18, 2009 – 6 p.m.
American Legion Park, 6447 NE 7 Avenue, Miami

Wednesday, August 19, 2009 – 6 p.m.
DeHostos-Wynwood Community Center, 2902 NW 2 Avenue, Miami

Thursday, August 20, 2009 – 6 p.m.
Joseph Caleb Center, 5400 NW 22 Avenue, Miami

A copy of the proposed budget is available online at www.miamidade.gov/budget.


Don't sleep on this! Avoid higher vehicle registration fees and renew by Sept. 1

This message comes from Rep. Alan Williams who serves residenta in Leon and Gadsden Counties but there's no reason all Floridians shouldn't follow this advice. Good lookin out by Rep. Williams!

REPRESENTATIVE ALAN WILLIAMS
ENCOURAGES DISTRICT 8 CONSTITUENTS
TO AVOID HIGHER VEHICLE REGISTRATION FEES & RENEW BY SEPTEMBER 1

TALLAHASSEE --- During the 2009 legislative session, lawmakers approved an increase in thecost of renewing vehicle registrations and driver licenses.  I voted against this year’s budget that raises vehicle tag fees and the cost of driver license renewals.

The fee increases for renewing vehicle registrations varies by the weight of the vehicle.  The cost of renewing a driver license will increase from $20 to $48 and the tax collector’s service fee for processing driver’s license transactions will increase from $5.25 to $6.25.

Representative Williams encourages citizens to take advantage of a provision of state law that allows vehicle owners to renew their tags up to three months before the tags expire. Residents can save a little by renewing their tags before September 1 by paying the current fee. Waiting until after September 1 means drivers will have to pay the new and increased rate. And to really lock in savings, renew for a two-year period and pay the current fee rate for both years, which doubles the savings.

The benefit of early-renewal is similar for driver's license renewals.  Representative Williams urges motorists whose driver licenses expire this year or in 2010 to renew before September 1. The renewal will extend licenses by eight years.

For a full listing of the fee increases, please follow the link below to the Florida Department of Highway Safety and Motor Vehicle site http://www.flhsmv.gov/DHSMVFees.htm.

Click to the view Department of Highway Safety and Motor Vehicles Fee Schedule.