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(This cheap date only works if you have a dog.)
If your low on cash but want to spend some Q.T. (Quality Time) with your significant other.  Go on a “Doggy Date”.  Have you and your significant other take your dog for a walk on a nice day or afternoon.  Don’t make the walk too long and make sure Fido does his business before you go on the date  (It’s not romantic to stop and have to pick up dog poop).  The best places to walk are usually in a park where there are benches and opportunities for you and your partner to play with your pet.  This date costs you nothing and lets you have a lot of 1 on 1 time with your girl or guy.

1.    Polo shirts are sometimes called “polos” and they became so fashionable on golf courses, people started calling them golf shirts. Whatever you want to call them, Hoodiezz.com and Crooked Brook have teamed up to give some away.

These are first quality overstock polo shirts from Crooked Brook’s embroidery division. The brand, color, gender and size of the prize will be determined by what they have at the time the winner is announced. Crooked Brook will try their best to send winner’s a polo shirt as close to the color, gender and size they request.

To enter, visit Crooked Brook and leave a comment on Hoodiezz.com’s Blog with a Crooked Brook item (hoodie, polo shirt, sweatshirt, etc.) that you would like to see offered as a giveaway in the future and what you would do with it.

You must be 18 years or older to win.
Contest ends midnight (Eastern Standard Time)04/06/12.
Winner will be chosen by Hoodiezz.com and contacted by email.
Winner will have 48 hours to reply or a new winner will be chosen.
Crooked Brook will ship the prize to the winner within 30 days of contest end.
Physical address required for shipping; no PO boxes, US recipients only residing in one of the 48 contiguous states.

“Image for example only. Brand, color, gender and size to be determined.”

If you haven’t heard of Hoodiezz.com by now we’re happy to be the first to introduce you to these soon to be clothing giants.
This Hoodie and Shirt Mall have designer clothing from some of the top sites on the internet all in one place.
Visit them today, and don’t forget you learned about them first from BudgetBallerz.com

Can a debt consolidation program fulfill your financial demands?

Are you looking for a debt relief option that can help you repay your bills and also improve your credit score? If yes, then you must enroll in a debt consolidation program where the representative of the company will assess your financial status. They will negotiate with your creditors to reduce the interest rates on your bills and consolidate your bills into single monthly payment. Now, you have to make only one monthly payment to your consolidation company and the company will accordingly disburse the amount to your creditors. This way you’ll soon be able to repay your debts.

4 Benefits of a debt consolidation program

Read on to know how you’ll be able to take advantage of a debt consolidation method.

1. Monthly payments will become affordable:

In a debt consolidation program the interest rates on your bills will get reduced. Now, you’ll be able to manage your monthly expense and repay your debts quite easily. Since your monthly payments will be affordable for you, you’ll be able to make regular payments on your bills. This way you’ll be able to prove your lender to be a responsible debtor. However, this program will also help you consolidate your bills into single monthly payment. Thus, you have to make only one monthly payment to repay your multiple creditors.

2. Reduces the interest rates:

At times it is found that exorbitant interest rate is the only reason for which people miss on their payments. Even if they make regular payments, maximum of their payments are utilized to pay the interest. Thus, reduction of debt amount seems to be negligent. But with the help of this program you’ll be able to reduce the interest rates on your bills. Now, when you’ll make your monthly payments, maximum amount will be utilized to reduce the principal balance. Hence you’ll be able to repay your debts quite soon.

3. Improves your credit score:

If you take help of a debt consolidation program, you’ll be able to rebuild your credit score. In this program since your monthly payments will become affordable, you’ll be regular with your payments. Apart from that, maximum of your monthly payments will be utilized to pay your principal balance. Hence, your debt balance will get reduced soon. This will improve your credit utilization ratio which is an important factor to determine your credit score.

4. Will become debt free soon:

Since a debt consolidation program minimizes the amount that you used to spend to pay the interest on your bills, you’ll be able to become debt free quite soon. Here, your monthly payments will become affordable and manageable and you’ll be able to repay your debts within a short period of time.

Now, you’ll agree that debt consolidation program has a multitude of benefits. Under this program, you’ll be able to improve the interest rates on your existing bills which in turn will make your monthly payments affordable and manageable and you’ll be able to repay your debts quite soon without putting an undue strain on your finances.

Budgeting tips

If you are struggling to make repayments to your mortgage, loans or other debts, then
you may benefit from budgeting tips.

Effective budgeting can help you avoid missing payments to your mortgage, loans
or other debts, because you will be able to plan out where your money needs to go
before you spend it. In addition, once you can see where all your money is going, it
should be easier to see where you can save money by cutting back on non-essential
spending.

Budgeting

•

Budgeting is all about understanding, managing and controlling your finances.
It involves keeping track of your income (the money you earn/receive) and
your expenditure (the money you spend) on a monthly basis.

•

Budgeting lets you calculate your disposable income – the amount of money
left after your essential expenditure (day-to-day living expenses, like rent/
mortgage payments, utility bills, food & petrol) has been accounted for.

o Your disposable income is the money you have available to service
(make payments to) your non-priority debts (store cards, credit cards,
unsecured loans, etc.) and (if there is anything left) use for saving and
non-essential spending.

•

In order to work out your disposable income, you should subtract your total
expenditure from your total income:

o Your total income should be made up of everything your household
earns/receives (salary, benefits, grants, etc.).
o Your total expenditure should comprise your priority debts and
essential costs (mortgage/rent, utility bills, food, etc.) only. You should
not include payments to your non-priority debts, such as your credit
card repayments, because you will make payments to these using your
disposable income.
o Once you have calculated your disposable income, you need to figure
out if it is enough to cover your non-priority debt repayments. If it
isn’t, you should take action without delay. For example, you could
seek professional debt advice.

Budgeting isn’t always easy. Figuring out how much you spend on some things (like
your mortgage payments) may be easy, but other costs (such as food) can be hard to
estimate. A professional debt adviser will be able to give you some budgeting tips,
helping you get an accurate picture of your monthly finances.

If you live in the suburbs then traveling to Boston everyday for work is a pain. First there’s the traffic, and then the gas you waste on an average day. You would probably spend close to $90 bucks a week on gas alone, driving back and forth. You should use the public transportation. The bus and train pass (not including the Commuter Rail) costs just $59 a month to use them. The advantage is obviously saving on gas money since your taking a train. $59 a month is cheap, especially since you can also use public transportation on the weekends as well. Also instead of driving those early mornings, you can rest and sit comfortable as the bus driver or conductor do the driving for you. Get on your Public Transportation Swag

 Ballin Etiquette #2 –

Never really let anyone know how much you paid for your gear. If Asked; say something like ” Your Political Views Suck”. Random answers stop stupid questions.

Ballin Etiquette #5 - Ladies: Always have words displayed on your tee shirt. Now your not just hot, your educational Too.Ballin Etiquette #6 - Why did the chicken cross the road? You should be slapped for asking. A real Baller never reveals their secrets Ballin Etiquette #7 - Never allow yourself to be ignored while telling a story. Just keep rambling louder and louder. Eventually someone will give a damn Ballin Etiquette #8 - Ladies: Line your room with spotlights. So every night your man can watch the sexiest lady in his life model down the runway.

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Ballin Etiquette #9 - Men: Take your Lady on a cruise. Have her stare at your reflections in the Ocean. She’ll think your being romantic, but your really letting the Ocean reflect your Flyness. (Join this group and Write your own Ballin Etiquette’s) Ballin Etiquette #10 - Every Morning Wake up, Walk to your porch, if you don’t have a porch walk on your balcony, if you dont have a balcony go to your awning, no awning, then just put a bucket on the ground stand on it and take a deep breath of the fresh clean air, and Thank God your alive for another day. Ballin Etiquette #11 - When on a Business Lunch purchase a small portion of food. It’s not Ballin to leave a professional meeting with a doggy bag Ballin Etiquette #12 – Coupons are fine to use on a date as long as your slick when you use them. When the check comes just slip that 50% off coupon inbetween the two largest bills. Everyone will think your leaving a big tip, when your really just making change. Ballin Etiquette #13 - It’s you and your roommates job to always keep a stocked pantry. What if you have a hot date, they want something to snack on, and all you have to offer them is 3 quarters of a half eaten celery stick. I don’t know who your date is, but I know you’ll be enjoying that stale celery stick alone. KEEP YOUR PANTRY FULL 

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Ballin Etiquette #14 - KIDS: Aspire to be a Pilot when you grow up. So when your asked what do you do for a living, you can say ” My job is to keep the world High, in the Sky, and Fly” Ballin Etiquette #15 – Don’t look at Chinesee knock offs as cheap. Just look at it as an Internationally Exclusive verison of your item. The correct wording makes anything sound fire. Ballin Etiquette #16 - Men: When bringing a new lady over your house, make sure you clean your room, febreeze your sheets, and place your tv next to a mirror. It might be a 20 inch, but the reflection will make it look like a 40. Ballin Etiquette #17 - Exploit and use every good quality that the Lord gave you. If you have beautiful eye lashes, bat them a couple of times in a conversation. If your creative, write a poem. If your not going to have girl rest on your broad shoulders why have them? Are they there just to make it difficult for you to get through narrow doors? Ballin Etiquette #18 - Don’t be Ugly when you wake up. Move your mattress to the right side of your room, That way you’ll never wake up on the wrong side of the bed. Ballin Etiquette #21 - Flirting is like a baseball game. Don’t worry about some of the lines you pitch missing; Your just looking for that one hit that will take you around the bases.

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Ballin Etiquette #22 – Learn your bill collectors numbers and give them common names in your phone. You’ll know that “Bill” is a collection agency, but everyone else will just think its your annoying friend. Ballin Etiquette #23 - If your breaks squeak don’t be embrassed. Just blast your radio as you go to stop. Everyone will think it’s an exclusive remix.

Spending within your means is key when your on a Budget.  Below we have listed some ways on how to find the things you need, and buy them at the prices you want.

Never really let anyone know how much you paid for your gear. If Asked; say something like ” Your Political Views Suck”. Random answers stop stupid questions.

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