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DOLLAR-WISE DIVA: SAVE MONEY ON A GREAT “GREEN” EVENT: ROBERT F. KENNEDY KEYNOTES SUSTAINABILITY CONFERENCE MARCH 3-4 AT SDSU

By Nancy Clement

 
“A small group of thoughtful people could change the world. Indeed, it's the only thing that ever has.”  Margaret Mead
 
 
February 23, 2012 (La Mesa) - Did you know The United States ranks only 50th out of 151 countries of the world in sustainability,  according to http://www.ssfindex.com/results-2010/ranking-all-countries/
 

DOLLAR-WISE DIVA: 10 TIPS FOR A MORE ROMANTIC AND LESS EXPENSIVE VALENTINE’S DAY

 

 

By Nancy Clement

February 10, 2012 (La Mesa) - Valentine’s Day is almost here--and there is still some time to plan a special celebration for you and your sweetheart.  What if you have more love than money? Here are some ideas that do not require a lot of expense, just some planning on your part.

DOLLAR-WISE DIVA: SAVE MONEY ON DO-IT-YOURSELF PROJECTS

 By Nancy Clement

November 11, 2011 (La Mesa) - Fall is a good time of year to work on do-it-yourself project, as the weather is cooler.  Many repairs you can do yourself for the cost of items for repairs.   If you have more time than money trade a home repair project with a friend, you work together on their project and they work with you to complete your project.  You could start with a small project and as your skills increase, take on more
advanced projects. 

DOLLAR-WISE DIVAS: HOW TO $AVE MONEY ON COLLEGE TEXTBOOK$

By Nancy Clement & Dawn Clement

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

September 2, 2011 (San Diego’s East County) —Want to save money on your college textbooks?  Why buy when you can rent? Now you can rent textbooks from Bookrenter for a semester.

 

We've also got tips for saving money if you do need to buy your textbooks.

DOLLAR-WISE DIVA: SEVEN TIPS FOR BACK TO SCHOOL CLOTHES SHOPPING


By Nancy Clement

 

August 18, 2011 (La Mesa) - Marli is about to start a new life adventure, pre-school, and she wanted some pretty, new clothes to wear. I was looking for a model for this column so we decided to team up. Since Marli is only 3½ years old, she needed some help to select clothes so we invited her Mom, Laura, to join us.

 

DOLLAR-WISE DIVA: SMART MONEY IDEAS FOR NEW GRADS

Simple, easily do-able ways to increase your money management skills

 

By Nancy Clement

 

June 24, 2011(La Mesa) - Congratulations to the new 2011 East County college graduates and best wishes for your future! One important thing to think about is even though the job market is not the best right now, it is turning around, you have skills, and talents that only you can contribute--so do not let the negativity you hear, see or read in the media stifle your career goals.   Our society needs your creativity and contributions.  Remember:   Incredible things happen…when you hold on to your Dreams” Bergsma 1990.

 

DOLLAR-WISE DIVA: SALLY GARY’S 25+ FREE THINGS TO DO IN SAN DIEGO

 

Have more fun this summer…and spend less money!

By Nancy Clement

 

June 3, 2011 (La Mesa) - Sally Gary is the author of the new $Best Freebies, Bargains, Deals & Steals in San Diego book, 9th Edition. This is a MUST Have book for your home library! Her ideas will enable you to have more fun and to save more money this summer. She generously shared her list of favorite FREE things to do in San Diego. Now you will never be at a loss for what to when out of town company comes to visit you, just open the book and you will find countless, terrific ideas. Enjoy!

SEVEN TIPS FOR AN ALMOST STRESS-FREE MOVE

 

By Nancy Clement

 

 

April 27, 2011 (La Mesa) - Summertime is almost here and for many people, that means it is time to move. June, July and August are the most popular times of year for moving. Moving is the third most stressful life event, according to psychologists; only death of a spouse or divorce is more angst producing.

 

Since many people dread the thought of moving, the Dollar-Wise Diva decided to consult an expert, Elaine Worman, to get ideas on how you can make an easier, less traumatic move.

DOLLAR-WISE DIVA: EXPAND YOUR WARDROBE FOR FREE WITH A CLOTHING EXCHANGE

 

Plus pointers on where to get a prom dress at a bargain rate or free

 

By Nancy Clement

April 15, 2011 (La Mesa) - The Dollar-Wi$e Divas column is changing to the Dollar-Wi$e Diva. Dawn Clement will no longer be a writer for the column. She and her husband bought a historic 1911 home; renovating it plus caring for three children is taking all her time. She sends you a fond farewell. Dawn, thank you for your ideas and writing contribution to the column; I appreciate your support! So I’ll continue to write this twice a month column solo, with ideas for mindful spending to help you save money.

 

Spring is here and as the weather gets warmer, it is time to think about updating your wardrobe. Do you want new clothes but don’t have lots of extra money in your budget? Would you like to have new clothes and clear your closet of clothing you no longer wear? It is easy and fun to do: hold a clothing exchange! We’ve also got tips on where to find prom dresses free or at a discount starting this weekend, as well as how to donate clothing items to help women and girls in need.

DOLLAR-WISE DIVA: BEAUTY ON A BUDGET

 

Look gorgeous and save money with discount beauty services at Marinello Schools of Beauty in El Cajon and San Diego

 

By Mary Paulet, guest columnist

 

February 7, 2011 (El Cajon) – Self-indulgences such as beauty treatments may seem like forbidden fruits in an era of lay-offs and uncertain economic conditions. Downsizing the household budget has become the new doctrine—and the cardinal sin is spending more than you have. Yet how we yearn to partake in pampering without having to pay pricey salon fees for treats such as manicures, makeovers, hair styling or facials!

DOLLAR-WISE DIVAS: YOU EARNED IT-- TAKE ADVANTAGE OF VETERAN’S DAY FREEBIES!

 

“We can’t all be heroes. Some of us have to stand on the curb and clap as they go by.” --Will Rogers

 

 By Nancy and Dawn Clement

November 5, 2010 (San Diego) - Today’s column is dedicated to our military in East County, and to active duty military and veterans worldwide--especially Dollar-wise Divas’ good friend Katie R. who is serving in Kabul, Afghanistan. Thank you for your service to our country. 

DOLLAR-WISE DIVAS: ARE YOU IN DANGER OF LOSING YOUR HOME? FREE LOAN MODIFICATION ASSISTANCE

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

By Nancy and Dawn Clement

October 27, 2010 (San Diego’s East County) – Recently, Dollar-Wi$e Diva Nancy had lunch with Jeff Davi, the California Department of Real Estate Commissioner. The event was a real estate summit with several hundred realtors in attendance. Davi challenged us to become more proactive and share our knowledge with our communities. We accepted the challenge! Our next few Dollar-Wi$e Divas columns will focus on ideas and solutions to assist homeowners who are facing hardships in paying for their mortgages.


A startling statistic:
as of June 30, 1 of every 10 American homeowners is at least one month behind on their mortgage payment according to the Mortgage Brokers Association.

FREEBIE ALERT! SAN DIEGO EARLY HISTORY CONFERENCE – FAMILY FUN FOR EVERYONE

By Nancy and Dawn Clement

October 27, 2010 (San Diego’s East County) - Stan Rodriquez, Kumeyaay Community College instructor, will share ideas about the Kumeyaay lifestyle and their use of plants at an hour-long presentation for the Early San Diego History conference. This family friendly event will be on Saturday, November 6 from 8:30 a.m. to 4 p.m. There are activities for kids, music, dancing and theatre skits, fascinating lectures, vaqueros and horses.

KIDS EAT FREE AT APPLEBEE’S ON HALLOWEEN


This is no trick…treat your children to a free meal at Applebee's


October 22, 2010 (San Diego’s East County) - Applebee’s, a family-friendly restaurant, is offering a treat for parents; kids eat free on Saturday, October 30 and on Sunday, October 31, Halloween.

FREEBIE ALERT: NEW! FREE 411 SERVICE FROM MICROSOFT

By Nancy and Dawn Clement

 

October 15, 2010 (San Diego’s East County) - Have you ever needed to look up a phone number from your cell phone but do not want to pay the $1.50 - $2.00 cost? There is a free 411 service from Microsoft that you can use and the number is 800-225-5411 or 800-CALL-411. Take a minute right now to program this number into your cell phone directory so you never pay for a 411 call again!

FREEBIE ALERT! DO YOU HAVE MORE TASKS THAN TIME?

By Nancy Clement

 

 

September 12, 2010 (San Diego's East County) -- It’s back to school time and for many Moms that means more of your time spent keeping track of each family member and their activities. There is a free website called Cozi that can help you organize and keep track of everyone’s schedule with a family calendar. You can also use this site to create to-do lists, make shopping lists and maintain a journal of fun activities.

DOLLAR-WI$E DIVAS: HOW TO SAVE MONEY ON COLLEGE TEXTBOOKS

 

By Nancy Clement & Dawn Clement


Share creative ideas to assist people of all ages on tips to save mo
ney and improve their lifestyle!


August 28, 2010 (San Diego’s East County) —Want to save money on your college textbooks? Why buy when you can rent? Now you can rent textbooks from Bookrenter for a semester. Check their website to see if the book you are interested in is available--with 3 million titles, chances are good that it will be. They offer free shipping to your door and at the end of the semester, UPS comes and picks it up so you do not have the hassle of re-selling a textbook you no longer need.

DOLLAR-WISE DIVAS: $AVE MONEY! KIDS EAT FREE

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

By Nancy and Dawn Clement

 

August 13, 2010 (San Diego’s East County) – Free is cool! For a short time Cali Comfort  Restaurant in Spring Valley is offering a special deal: Kids eat free every Friday for breakfast, lunch or dinner. This special will only be available until August 21, so mark your calendar to be sure you do not miss out. Some other restaurants that offer Kid’s Eat Free meals are in the list written below; many of them are located in East County.

DOLLAR-WISE DIVAS: FAMILY-FRIENDLY OUTINGS IN EAST COUNTY FOR FREE OR ALMOST FREE

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

By Nancy Clement

July 30, 2010 (San Diego’s East County) What are your summer plans? Do they include travel or is there no budget for taking a trip this summer? Fortunately, our beautiful San Diego and East County offer wonderful places to have a stay at home vacation, to play tourist while sleeping each night in your own bed. A staycation is an inexpensive way to play and not spend a lot of money on travel, lodging, meals and souvenirs.

DOLLAR-WISE DIVAS: SAVE MONEY! JULY'S BARGAINS & BEST BUYS

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

 

“A perfect summer day is when the sun is shining, the breeze is blowing, the birds are singing, and the lawn mower is broken.” - James Dent.

 

By Nancy and Dawn Clement

 

July 15, 2010 (San Diego’s East County) -- While you enjoy summer, keep in mind some items you can purchase now that enable you to stretch your dollar and save money. Here is a list of non-food bargains: appliances, furniture, gym memberships, men’s suits and paint.

DOLLAR-WISE DIVAS: DOES A PRENUPTIAL AGREEMENT MAKE SENSE FOR YOU?

 

 

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

By Nancy and Dawn Clement

 

June 16, 2010 (San Diego’s East County) –Love and marriage can be beautiful for all concerned, but there are some things to consider when thinking about getting married . We consulted an attorney, Jennifer Hughes, to share some ideas on the subject of prenuptial agreements.

DOLLAR-WISE DIVAS: JUNE’’S BEST BUYS

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

By Nancy and Dawn Clement

June 4, 2010 (San Diego’s East County) – Summer has unofficially begun--and the best food buys are perfect for summer entertaining. So plan to purchase now to be prepared to take advantage of savings and be ready for summer visitors. Plus check for deals on items for school, home and office.

 

TIPS FOR THE BUDGET-MINDED BRIDE: SAVE LOTS OF MONEY AND HAVE A BEAUTIFUL WEDDING

 

By Nancy and Dawn Clemens, Dollar-Wise Divas columnists

May 19, 2010 (San Diego’s East County) - Brides come in all ages, shapes, and sizes yet, they all have in common a desire to look radiantly beautiful for their wedding day and to share a special, memorable day with treasured friends and family. So how do you accomplish this on a small budget?

Your first step is to brainstorm with your future husband to make sure you both have the same ideas about what your perfect wedding would look like. Here are some questions to start the conversation.

DOLLAR-WISE DIVAS: SAVE MONEY! MAY’S BARGAINS AND BEST BUYS


Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

 

By Nancy and Dawn Clement

May 7, 2010 (San Diego’s East County) – April showers bring May flowers--which has absolutely nothing to do with bargains, but what a colorful spring we are having due to the rains. So now is a great time to enjoy free roadside flowers or go to Lake Murray and see flowers in bloom. The tall green plants with yellow blooms are black mustard plants, so named because of the tiny black seeds. The smaller, compact yellow bushes are crown daisies. Both are non-native plants that grow in many parts of East County. Savor these photos of blooms at Lake Murray--or better yet, enjoy a barbecue at the lake, or at home in your own backyard.  http://www.fototime.com/inv/E212805BF181B90.

DOLLAR-WISE DIVAS: SAVE MONEY! APRIL’S BARGAINS AND BEST BUYS

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

By Nancy and Dawn Clement

April 20, 2010 (San Diego’s East County) – Each month offers bargains and specials savings for you. Food savings seems to be the theme for April; now is a good time to take advantage of candy and decorations due to Easter clearance sales. April is also National Car Care month. With Earth Day fast approaching, we offer you tips to save money and drive green.

DOLLAR-WISE DIVAS: SAVE MONEY! MAKE YOUR OWN SPRING CLEANING PRODUCTS



Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

By Nancy and Dawn Clement

 

March 30, 2010 - San Diego's East County - Spring is here-- and what a colorful, vibrant springtime we are experiencing due to this winter's rains. Trees and flowers are blooming, birds are singing and building nests, and many of us experience a desire to be outdoors enjoying the springtime beauty. Spring is also a great time to freshen up your home. If you have a hankering to do some spring cleaning, here are some ideas and tips to help you save money on household cleaning products.

FREEBIE ALERT: WATER CONSERVATION GARDEN

 

 

March 11, 2010 (San Diego’s East County) - One of East County’s treasures is The Water Conservation Garden. Sunset Magazine calls it one of the “Top 10 Gardens of the West.” This is a beautiful and relaxing place to spend a leisurely afternoon. However, it’s also a learning experience!

DOLLAR-WISE DIVAS: SAVE MONEY! GROW YOUR OWN FOOD

 

By Nancy and Dawn Clement

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!


March 10, 2010 (San Diego’s East County) - Springtime is almost here; maybe this year you want to plant a garden or refresh your current garden. Are you thinking of planting a garden but don't know what to grow or where to start? Fortunately, there is plenty of help for you and the best news is that it is free!  all you need is a little bit of time to followup on information available at the websites listed below. 

DOLLARWISE DIVAS: SAVE MONEY! MARCH’S BARGAINS AND BEST BUYS

 

 


Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

By Nancy and Dawn Clement

 

March 1, 2010 (San Diego’s East County) - Timing is everything. Each month offers unique buying opportunities and may be the best time of year to buy. Your savings per unit item may justify the purchase. As luck would have it, there are just a few items that are exceptional bargains in March and they are boats, frozen food, and coats and outwear, and air conditioning.

DOLLAR-WISE DIVAS: UNCLE SAM WANTS TO GIVE YOU MONEY TO BUY A HOME

 

“Kiss Your Landlord Goodbye” – free seminars Feb. 27 in La Mesa, March 1 in El Cajon

 

 

Share creative ideas to assist people of all ages with tips to save money and improve their lifestyle!

By Nancy and Dawn Clement

 

February 10, 2010 (San Diego’s East County) -- Uncle Sam wants to give you money to a buy a house, but you must hurry because there is a deadline; you must be in escrow by April 30 and must close escrow by July 1, 2010.

 

This program is the Homebuyer Tax Credit, and in November of 2009 was revised to include both first-time buyers and buyers who already own a home.

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