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    <id>217475</id>
    <category-id>55</category-id>
    <category-hierarchy>
      <category id="30">Business &amp; Finance</category>
      <category id="47" parent_id="30">Personal Finance</category>
      <category id="55" parent_id="47">Fast Cash</category>
    </category-hierarchy>
    <easy-steps>true</easy-steps>
    <created-at>Sat, 15 Mar 2008 08:44:28 -0700</created-at>
    <filename></filename>
    <tags>invest, money, finance, savings</tags>
    <title>How To Save $100 or More This Year</title>
    <description>
      <![CDATA[Forget the, "Need money for food" sign or digging in the dumpster. Instead, set up a personal savings goal and find a systematic way to cut down your spending habits. ]]>
    </description>
    <permalink>http://www.howcast.com/videos/217475-How-To-Save-100-or-More-This-Year</permalink>
    <edit-url>http://www.howcast.com/videos/217475-How-To-Save-100-or-More-This-Year/edit</edit-url>
    <state>live</state>
    <duration></duration>
    <width></width>
    <height></height>
    <embed></embed>
    <rating>3</rating>
    <username>irinagg</username>
    <thumbnail-url>http://img.howcast.com/images/icons/howto-xxlarge.png</thumbnail-url>
    <views>97</views>
    <overlay>
      <titlecard></titlecard>
      <steps></steps>
      <overlays></overlays>
    </overlay>
    <ingredients>
      <ingredient>
        <![CDATA[Modest attitude]]>
      </ingredient>
      <ingredient>
        <![CDATA[Shopping list]]>
      </ingredient>
      <ingredient>
        <![CDATA[Cellphone with FREE nights+weekends plan]]>
      </ingredient>
      <ingredient>
        <![CDATA[A fee-free ATM and credit cards]]>
      </ingredient>
    </ingredients>
    <markers>
      <marker>
        <id>83860</id>
        <position>1</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title> Pick a bank wisely</title>
        <textile-text>
          <![CDATA[Look for a bank that doesn't charge fees for a checking account and ATM/debit cards. If you have direct deposit, some banks will waive the fee. Also look for a bank that is predominant in the area you reside or if you travel, has world-wide locations. When withdrawing cash, only use your bank. Other banks may charge up to $3.00 for withdrawal.]]>
        </textile-text>
        <text>
          <![CDATA[<p>Look for a bank that doesn&#8217;t charge fees for a checking account and <span class="caps">ATM</span>/debit cards. If you have direct deposit, some banks will waive the fee. Also look for a bank that is predominant in the area you reside or if you travel, has world-wide locations. When withdrawing cash, only use your bank. Other banks may charge up to $3.00 for withdrawal.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83861</id>
        <position>2</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Take advantage of your utility's load management</title>
        <textile-text>
          <![CDATA[To reduce power demand and, thus to save on electricity bills, allow your electric company to switch off water heater or air conditioner briefly during the times of high demand. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>To reduce power demand and, thus to save on electricity bills, allow your electric company to switch off water heater or air conditioner briefly during the times of high demand.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83862</id>
        <position>3</position>
        <timemarker>0</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[If you have a choice in the way you prepare your meals, choose to use your microwave instead of your conventional oven whenever possible. Microwaves save up to 50% in energy costs for cooking meals compared to ovens.]]>
        </textile-text>
        <text>
          <![CDATA[<p>If you have a choice in the way you prepare your meals, choose to use your microwave instead of your conventional oven whenever possible. Microwaves save up to 50% in energy costs for cooking meals compared to ovens.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83863</id>
        <position>4</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Go grocery shopping with a list and stick to it</title>
        <textile-text>
          <![CDATA[Having a shopping list will keep you focused while shopping at a local supermarket. It forces you to buy only the foods you need. Compare prices among brands and go with the cheapest brand. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Having a shopping list will keep you focused while shopping at a local supermarket. It forces you to buy only the foods you need. Compare prices among brands and go with the cheapest brand.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83864</id>
        <position>5</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Buy in bulk</title>
        <textile-text>
          <![CDATA[Look for weekly savings coupons in the store's circulars or flyers.  If products are on sale, especially products such as toilet paper, napkins or diapers, stock up for the next few weeks if possible. Continue stockpiling each week as different items on sale rotate from week to week. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Look for weekly savings coupons in the store&#8217;s circulars or flyers.  If products are on sale, especially products such as toilet paper, napkins or diapers, stock up for the next few weeks if possible. Continue stockpiling each week as different items on sale rotate from week to week.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83865</id>
        <position>6</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Switch from using landline to mobile service</title>
        <textile-text>
          <![CDATA[In today's fast-paced world, nearly everyone owns a cell phone.  Using your cell phone instead of the landline service allows you to make most of free weekends and free long distance. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>In today&#8217;s fast-paced world, nearly everyone owns a cell phone.  Using your cell phone instead of the landline service allows you to make most of free weekends and free long distance.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83866</id>
        <position>7</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Save gas money</title>
        <textile-text>
          <![CDATA[Keep your engines tuned and tires inflated to the proper pressure. Drive only when you must. Otherwise, use public transportation, bike or walk. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Keep your engines tuned and tires inflated to the proper pressure. Drive only when you must. Otherwise, use public transportation, bike or walk.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83867</id>
        <position>8</position>
        <timemarker>0</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[Drive at the speed limit. Cars use about 20% more fuel driving at 70 miles per hour than they do at 55 miles per hour. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Drive at the speed limit. Cars use about 20% more fuel driving at 70 miles per hour than they do at 55 miles per hour.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83868</id>
        <position>9</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Forgo shopping at boutiques </title>
        <textile-text>
          <![CDATA[Department stores such as Century 21 and sample sales offer some of the best bargain prices with designer clothing at 40%-70% of retail prices . ]]>
        </textile-text>
        <text>
          <![CDATA[<p>Department stores such as Century 21 and sample sales offer some of the best bargain prices with designer clothing at 40%-70% of retail prices .</p>]]>
        </text>
      </marker>
      <marker>
        <id>83869</id>
        <position>10</position>
        <timemarker>0</timemarker>
        <type>Step</type>
        <thumbnail-url></thumbnail-url>
        <title>Cut the airfare cost</title>
        <textile-text>
          <![CDATA[By buying airline tickets in advance, traveling during off-season months, and avoiding traveling during peak hours and at crowded airports. ]]>
        </textile-text>
        <text>
          <![CDATA[<p>By buying airline tickets in advance, traveling during off-season months, and avoiding traveling during peak hours and at crowded airports.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83870</id>
        <position>11</position>
        <timemarker>0</timemarker>
        <type>Tip</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[You can earn free airline tickets without ever flying these days. Airline frequent-flier ticket programs have partnerships with hotels, phone, rental car and credit card companies just to name a few. Use these services and you'll be flying free in no time.]]>
        </textile-text>
        <text>
          <![CDATA[<p>You can earn free airline tickets without ever flying these days. Airline frequent-flier ticket programs have partnerships with hotels, phone, rental car and credit card companies just to name a few. Use these services and you&#8217;ll be flying free in no time.</p>]]>
        </text>
      </marker>
      <marker>
        <id>83871</id>
        <position>12</position>
        <timemarker>0</timemarker>
        <type>Fact</type>
        <thumbnail-url></thumbnail-url>
        <title></title>
        <textile-text>
          <![CDATA[A mere 3 percent annual rise in prices will double the cost of everything within 24 years. At that time, you'll need twice as much money as you do today to live as well as you do now.
                                                                                                      - Source: http://www.wife.org ]]>
        </textile-text>
        <text>
          <![CDATA[<p>A mere 3 percent annual rise in prices will double the cost of everything within 24 years. At that time, you&#8217;ll need twice as much money as you do today to live as well as you do now.<br />
                                                                                                      &#8211; Source: http://www.wife.org</p>]]>
        </text>
      </marker>
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        <views>995</views>
        <created-at>Thu, 05 Jun 2008 15:16:59 -0700</created-at>
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          <![CDATA[http://www.HowToWinScratchers.com

If you want to win scratch off lottery tickets, you must STOP playing the scratchers game emotionally.

Instead, start playing the game LOGICALLY.  There are too many people who lose money because of their ...]]>
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        <tags>win scratchers scratch offs scratcher off lottery tickets how to lotto bj min tips secrets howtowinscratchers.com</tags>
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        <views>4529</views>
        <created-at>Mon, 16 Jun 2008 14:56:56 -0700</created-at>
        <rating>18</rating>
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          <![CDATA[All it takes is some advance planning—and a little psychology—to unload all your junk in a yard sale. ]]>
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        <views>273</views>
        <created-at>Tue, 15 Jul 2008 12:01:15 -0700</created-at>
        <rating>1</rating>
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          <![CDATA[http://www.LottoJournal.com
http://www.HowToWinPick4.com

For the pick 4 lottery, I see too many people come into my store and lose.  The reason is because too many people play more than they can afford.

You need to set a spending limit before ...]]>
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        <duration>86</duration>
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        <tags>win lottery lotto how to tips secrets bj min lottojournal.com free</tags>
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        <created-at>Tue, 15 Jul 2008 13:56:13 -0700</created-at>
        <rating>1</rating>
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          <![CDATA[http://www.HowToWinPick4.com

If you want to know how to win the pick 4 lottery, you must know the 5 types of numbers.

They are:
1) Single Combos
2) Double Combos
3) Triple Combos
4) Quad Combos
5) Double Double Combos

For best results, ...]]>
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        <created-at>Tue, 15 Jul 2008 14:45:44 -0700</created-at>
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          <![CDATA[http://www.HowToWinPick5.com

The 2 most important rules for the pick 5 lottery are:
1) Frequency Rule
2) Law of Averages Rule

For best results, you want to combine both rules into your lottery numbers.  This will help you have the best ...]]>
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          <![CDATA[http://www.HowToWinThePick3.com

If you want to know how to win the pick 3 lottery, you must know the 3 types of play options for the pick 3 lotto.

There are 3 types of pick 3 lottery play style options.

They are:
1) Box option
2) Straight ...]]>
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        <views>600</views>
        <created-at>Wed, 16 Jul 2008 20:45:51 -0700</created-at>
        <rating>1</rating>
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          <![CDATA[http://www.HowToWinScratchers.com

As a lottery retailer working in a convenience store, I have seen many people hate losing so much money in the lottery.

One simple change (tip) you can do to improve your results in the lottery is to simply ...]]>
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