Gardening Time Again

Save money on gardening this year. Here a list to do to save money.
Save on potting soil by making a compost - Rake and gather all fallen leaves from fall, cut grass and gather clippings and green waste from the yard or lawn. Set them aside on a well ventilated area. Throw in kitchen scraps (scrap veggies, egg shell, coffee grounds but not meat by products) and mixed it well. If not so gross with you adding urine to the compost will boots the decomposition process and

Save on seeds-Get tomato seeds, pepper seed and other seeds before eating or cooking, wash it and place it to a clean tissue paper, let it air dry, keep it on a cool dry place until ready to plant. Or follow this video for a more advance way.

Make pots - save all large plastic containers from milk, orange juice and other food container. Wash it till it is clean them cut the top part so it will have a large opening and ready for planting. 
Save on water-Plan ahead where to place the plants it should be close to a water supply, if you have plans to have a summer vacation it is wise to have an automatic watering system. Make a rain cath

Comparing International Rates

I have been checking out and comparing international rates of Verizon, AT&T, Google Voice, Magic Jack and Vonage of course to see where I could save money.

Here are the links to their international calling rates.
Verizon
AT&T
Google Voice
Magic Jack
Skype
Vonage

There are big difference on the prices. But I found Google Voice the cheapest to call the Philippines. It is not the most convenient method unless you have an iPhone or Android phone to install the app. But if you could settle on using your PC in placing international call then this will save you a lot of money.

Lower Your Credit Card Interest to Save Money

This will blow you mind, especially if you have a raging credit card interest with big dept on the card. I just found out that you can lower your credit card interest with a simple phone call to the credit card company. Call them them and make an inquiry, a simple question "Can you lower my interest rate?" will impact your monthly credit card bills. Just be polite if the first time you call they say no then ask them how can you make it low. If the first time you did not succeed call again and if you need to call them everyday then do it, there are thousand of agents one of them will agree with you.

You could also ask to talk to a manager and ask him to lower it and if he say no then ask him how can you lower it.

Just remember to be polite and give due respect to the agents. Ask and you shall received... I just did.

Share this to all you friend, it might help them save money too. (Just click the Facebook icon on the upper right corner for easy sharing on Facebook)