I am thankful to say I have never really been hungry. During the lean early years of my marriage we would sometimes have to survive on tomato soup and bologna, but that is feasting compared to the options available to many.
The World Health Organization estimates that one-third of the population is underfed and another third is starving. In the United States, 46 percent of African-American children and 49 percent of Latino children are considered chronically hungry.
BlogCatalog and Heifer International are partnering to call for the end of world hunger and start of hope today. Visit their sites and make a small donation, or take some other action today to help end world hunger.
Wednesday
Monday
Take Care of the Pence
“Take care of the pence, for the pounds will take care of themselves.”
Lord Chesterfield
I think what Lord Chesterfield meant was to take care of the details to master the larger picture. Think of a painter focusing on the trees, grass and sky until the whole of a beautiful landscape painting takes form.
Relating the quote to personal finance issues would mean to take care of the smaller pieces first, such as spending less than you earn, saving money, and staying out of debt. That adds up to a healthy financial picture.
Lord Chesterfield
I think what Lord Chesterfield meant was to take care of the details to master the larger picture. Think of a painter focusing on the trees, grass and sky until the whole of a beautiful landscape painting takes form.
Relating the quote to personal finance issues would mean to take care of the smaller pieces first, such as spending less than you earn, saving money, and staying out of debt. That adds up to a healthy financial picture.
Saturday
Carnivals This Week
The Buck List participated in three carnivals this past week. Check them out for articles on personal finance, investing and frugal living, just to mention a few.
OneMint — Economy and Your Finances Carnival
Carnival of road to financial independence #6
Kids and Money - April 22, 2009
Thanks to the hosts for including my posts.
OneMint — Economy and Your Finances Carnival
Carnival of road to financial independence #6
Kids and Money - April 22, 2009
Thanks to the hosts for including my posts.
Friday
Does Fishing Save You Money?
I went out fishing yesterday with my neighbor to his secret farm pond. We flipped over his boat from its winter storage and cleaned off the seats before loading it up and paddling out to the middle. Armed with two scoops of minnows and 7 poles (he has a “five pole minimum”) we began our first expedition of the season. The first half hour produced a few bites, but no fish. As the sun rose higher and the water warmed they began to hit; first the crappie, then the bluegill, and finally the bass. Birds were singing all around us as the temperature continued to climb and a steady breeze kept us cool. We enjoyed the easy going banter and joking between the two of us as we continued to fill our bucket with crappie. After using almost all of our minnows we decided to head back. I had “fishermen’s thumb” where about an inch square was ragged from bass teeth as I held them to retrieve my hook.
During the drive home I was thinking about this post and how I would compare what you pay for store bought fish verses the time, effort, equipment, bait, license fees and gas used to catch your own. As I added everything up in my head and considered the day I had just experienced the question arose: does fishing save you money? I had to be honest with myself as I pondered my answer, which came to me pretty quickly: who cares?
During the drive home I was thinking about this post and how I would compare what you pay for store bought fish verses the time, effort, equipment, bait, license fees and gas used to catch your own. As I added everything up in my head and considered the day I had just experienced the question arose: does fishing save you money? I had to be honest with myself as I pondered my answer, which came to me pretty quickly: who cares?
Wednesday
Sell Your Old Electronics on Gazelle
Gazelle is an online option to either sell or recycle your old electronics. They accept cell phones, laptops, MP3 players, PDA’s, gaming consoles, camcorders, satellite radios, video games, movies, LCD monitors, calculators, Blu-Ray players, digital cameras, external drives, desktops and laptops.
Perform a search on their site for your item, rate its condition and if it has any accessories, and if they want it they will give you a quote. If you accept they send a postage paid box to you to mail the item to them. Payment is by check or PayPal.
They don’t accept CRT’s, printers or fax machines but do offer a search feature to locate a recycler in your area.
Perform a search on their site for your item, rate its condition and if it has any accessories, and if they want it they will give you a quote. If you accept they send a postage paid box to you to mail the item to them. Payment is by check or PayPal.
They don’t accept CRT’s, printers or fax machines but do offer a search feature to locate a recycler in your area.
Monday
How Are You Collecting Your Minutes?
“Success is how you collect your minutes. You spend millions of minutes to reach one triumph, one moment, then you spend maybe a thousand minutes enjoying it. If you were unhappy through those millions of minutes, what good are the thousands of minutes of triumph? It doesn’t equate.”
- Norman Lear -
I think the point of this quote is to enjoy your journey as much as reaching your destination. I have known a few people that have been miserable for years in their jobs, personal lives and financial situations, but kept slogging away. I would remind them once in a while about the dreams and ideas they had talked about previously. They would remember them fondly for a moment, and then wave them off as unobtainable, for a variety of reasons. They had convinced themselves that their situations were beyond their control and any attempt to try to change things would probably just make it worse. That adds up to a lot of unhappy minutes.
- Norman Lear -
I think the point of this quote is to enjoy your journey as much as reaching your destination. I have known a few people that have been miserable for years in their jobs, personal lives and financial situations, but kept slogging away. I would remind them once in a while about the dreams and ideas they had talked about previously. They would remember them fondly for a moment, and then wave them off as unobtainable, for a variety of reasons. They had convinced themselves that their situations were beyond their control and any attempt to try to change things would probably just make it worse. That adds up to a lot of unhappy minutes.
Saturday
Carnivals This Week
The Buck List participated in two carnivals this week. The Make It From Scratch! Carnival is worth a visit for some craft ideas and recipes.
The 30th Carnival of Making Real Money features all personal finance articles this time. Thanks to the hosts for including my posts.
During the last month or two there have been a few carnivals I have submitted posts to that have not published anything. They did not occur at all. All of them have then signed up to host another carnival, despite not living up to their previous commitment. If my post is not included in any given carnival that’s fine, but why waste everyone’s time with offering phantom carnivals that never occur?
It is a tiny irritation, hardly worth writing about, but I wonder why it happens.
The 30th Carnival of Making Real Money features all personal finance articles this time. Thanks to the hosts for including my posts.
During the last month or two there have been a few carnivals I have submitted posts to that have not published anything. They did not occur at all. All of them have then signed up to host another carnival, despite not living up to their previous commitment. If my post is not included in any given carnival that’s fine, but why waste everyone’s time with offering phantom carnivals that never occur?
It is a tiny irritation, hardly worth writing about, but I wonder why it happens.
Friday
Survey and Reward Sites Update
Six months ago I wrote a review of nine survey and reward sites I was trying. I decided to write a follow up on how they worked out, or didn’t.
My over all opinion is that most of them are a waste of time. The problem, it seems to me, is that you are not creating anything of value. The ½ hour you spend taking one survey for $2.00 could have been spent writing a post for a blog you have monetized, or an article for eHow. The time spent taking the survey paid you $2 for ½ hour of your time, period. The blog post or article could end up paying you much more, indefinitely, for that same ½ hour.
A few of the sites I like and will continue to use. But I think, given how many opportunities there are to make money online, you could get more for your time spent by creating something that could hang around and keep the money coming in.
Greenfield Online
I registered with them in May 2008 and by early September, after 76 surveys tried and only one success for a whopping $2, I had to give up on this one. I would get part of the way into the surveys only to be rejected by the dreaded “You did not qualify but have received an entry in our sweepstakes.” This site earned me the least amount of money for the most time spent.
My Points
This reward site gives you points by clicking on email ads they send you, as well as promos they offer from their partners. I registered with them in August 2008 and have earned 3,300 points so far just by completing my profiles and clicking on the 1 to 5 emails they send me a day. The points can be redeemed for gift cards from a variety of restaurants and stores. This takes me about 30 seconds a day. I like the site and will continue to use it, at least until I get my $25 Subway card.
American Consumer Opinion
I registered with this one in August 2008. I received only one survey from them, but I did qualify and complete it. I received a check for $4.00 from them but no more surveys. I finally cancelled my membership.
Valued Opinions
This site sent me nine surveys, only one of which I could complete, for 50 cents. Had to let this one go, too.
Your 2 Cents
This is another one that sent me plenty of surveys, only one that I completed for $2.00. Since their cash out minimum was $10 I wrote off the $2 and said goodbye to Y2C.
Opinion Outpost
I have made $76.20 from this one so far. They reward you with points, worth ten cents each, with a minimum of fifty points in your account to be able to cash out. They send a lot of surveys, usually pretty short and most of which I qualify for. That I qualify for so many means I am usually just deleting the emails because I don’t have time to take so many surveys. This site has earned me the most money for the least time spent.
Cash Crate
I have received $36.10 from them since joining, but have lost interest along the way. I can’t really put my finger on why, I just forget to visit. If you read reviews people either love this site or hate it. I have become indifferent to it. Strange…
Surf Bounty
Very similar to Cash Crate, but I cancelled for two reasons. One, I was already using Cash Crate, and I found one reward site is enough for me to spend time on. Two, I successfully completed two offers and never saw them credited to my account.
Own My Site
I registered with this reward site in August 2008. The concept is to use them to search the web and buy from their merchants. When you become a “stakeholder” the more you use the site, the larger your percentage stake in their revenue. I have earned around $10, deposited into my PayPal account, and I currently own a 0.07% stake in the site. My biggest problem is remembering to use them for Google searches, because you have to sign in for your usage to count.
What has been your experience with survey and reward sites?
My over all opinion is that most of them are a waste of time. The problem, it seems to me, is that you are not creating anything of value. The ½ hour you spend taking one survey for $2.00 could have been spent writing a post for a blog you have monetized, or an article for eHow. The time spent taking the survey paid you $2 for ½ hour of your time, period. The blog post or article could end up paying you much more, indefinitely, for that same ½ hour.
A few of the sites I like and will continue to use. But I think, given how many opportunities there are to make money online, you could get more for your time spent by creating something that could hang around and keep the money coming in.
Greenfield Online
I registered with them in May 2008 and by early September, after 76 surveys tried and only one success for a whopping $2, I had to give up on this one. I would get part of the way into the surveys only to be rejected by the dreaded “You did not qualify but have received an entry in our sweepstakes.” This site earned me the least amount of money for the most time spent.
My Points
This reward site gives you points by clicking on email ads they send you, as well as promos they offer from their partners. I registered with them in August 2008 and have earned 3,300 points so far just by completing my profiles and clicking on the 1 to 5 emails they send me a day. The points can be redeemed for gift cards from a variety of restaurants and stores. This takes me about 30 seconds a day. I like the site and will continue to use it, at least until I get my $25 Subway card.
American Consumer Opinion
I registered with this one in August 2008. I received only one survey from them, but I did qualify and complete it. I received a check for $4.00 from them but no more surveys. I finally cancelled my membership.
Valued Opinions
This site sent me nine surveys, only one of which I could complete, for 50 cents. Had to let this one go, too.
Your 2 Cents
This is another one that sent me plenty of surveys, only one that I completed for $2.00. Since their cash out minimum was $10 I wrote off the $2 and said goodbye to Y2C.
Opinion Outpost
I have made $76.20 from this one so far. They reward you with points, worth ten cents each, with a minimum of fifty points in your account to be able to cash out. They send a lot of surveys, usually pretty short and most of which I qualify for. That I qualify for so many means I am usually just deleting the emails because I don’t have time to take so many surveys. This site has earned me the most money for the least time spent.
Cash Crate
I have received $36.10 from them since joining, but have lost interest along the way. I can’t really put my finger on why, I just forget to visit. If you read reviews people either love this site or hate it. I have become indifferent to it. Strange…
Surf Bounty
Very similar to Cash Crate, but I cancelled for two reasons. One, I was already using Cash Crate, and I found one reward site is enough for me to spend time on. Two, I successfully completed two offers and never saw them credited to my account.
Own My Site
I registered with this reward site in August 2008. The concept is to use them to search the web and buy from their merchants. When you become a “stakeholder” the more you use the site, the larger your percentage stake in their revenue. I have earned around $10, deposited into my PayPal account, and I currently own a 0.07% stake in the site. My biggest problem is remembering to use them for Google searches, because you have to sign in for your usage to count.
What has been your experience with survey and reward sites?
Wednesday
How Cheap Are You?
Think you are doing everything you can to be as “cheap” as possible? Check out the following two websites to see how you measure up.
America’s Cheapest Family features extensive Reader Tips, and a well written blog. Their bio states, “Steve and Annette Economides (Econo mee dis) have raised five kids, paid off their first home in 9 years on an average income of just $35,000, pay cash for their cars and don’t use a credit card . . . ever. The have cashed in on the American dream in a very un-American way — with no debt.”
The Ultimate Cheapskate offers his Cheap Talk blog and Spend Less articles. The bio from his site reads, “JEFF YEAGER spent 24 years working as a CEO and senior executive with national nonprofit organizations in Washington, DC before launching his career as a freelance writer, public speaker, and broadcast journalist in 2004.”
Both sites are focused on selling their products (just trying to make a buck like the rest of us) but also offer plenty of good frugal, sorry, cheap! tips for free.
America’s Cheapest Family features extensive Reader Tips, and a well written blog. Their bio states, “Steve and Annette Economides (Econo mee dis) have raised five kids, paid off their first home in 9 years on an average income of just $35,000, pay cash for their cars and don’t use a credit card . . . ever. The have cashed in on the American dream in a very un-American way — with no debt.”
The Ultimate Cheapskate offers his Cheap Talk blog and Spend Less articles. The bio from his site reads, “JEFF YEAGER spent 24 years working as a CEO and senior executive with national nonprofit organizations in Washington, DC before launching his career as a freelance writer, public speaker, and broadcast journalist in 2004.”
Both sites are focused on selling their products (just trying to make a buck like the rest of us) but also offer plenty of good frugal, sorry, cheap! tips for free.
Monday
Sacrifice Boredom
“In order to live free and happily you must sacrifice boredom. It is not always an easy sacrifice.”
- Richard Bach -
Intended or not, the first thing I thought of when I read this quote was television, and the periods in my life when that time vampire has seduced and entrapped me. Whenever I have had marathon TV watching sessions, lasting hours, I exit them groggily thinking of the dozen other productive things I could have done with that time. Usually I was bored and did not want to challenge myself to do anything constructive.
A guy I used to work with spent over $150 per month on premium cable programming, and he watched his moneys worth. The wife of a good friend watches TV during most all of her spare time. Many people I know have a routine that includes hours of daily TV viewing.
Watching less TV and pursuing your other passions might not make you more happy and free, but you never know; it could be worth the sacrifice.
- Richard Bach -
Intended or not, the first thing I thought of when I read this quote was television, and the periods in my life when that time vampire has seduced and entrapped me. Whenever I have had marathon TV watching sessions, lasting hours, I exit them groggily thinking of the dozen other productive things I could have done with that time. Usually I was bored and did not want to challenge myself to do anything constructive.
A guy I used to work with spent over $150 per month on premium cable programming, and he watched his moneys worth. The wife of a good friend watches TV during most all of her spare time. Many people I know have a routine that includes hours of daily TV viewing.
Watching less TV and pursuing your other passions might not make you more happy and free, but you never know; it could be worth the sacrifice.
Saturday
Recent Carnivals
The Buck List participated in three great carnivals last week. Check them out for articles on personal finance, investing, career advice and money saving ideas. Thanks to all of the hosts for including my posts.
Carnival of Pecuniary Delights No. 2: Saving Money Edition
20th Internships & Career Carnival
Personal Finance Blog Carnival
Carnival of Pecuniary Delights No. 2: Saving Money Edition
20th Internships & Career Carnival
Personal Finance Blog Carnival
Friday
Save Money On Sports Equipment
While in school my two kids were active in volleyball, swimming, wrestling, soccer, football and track and field. That led to a lot of meets, matches, practices and games to attend, as well as equipment to buy. Trying to get the best price on all that equipment can involve several methods, including:
- watch the newspaper flyers for deals
- buy at the end of the season when stores are liquidating stock
- buy from factory outlets
- check school equipment exchanges and sales
- browse used sporting equipment stores
- view online listings on Craigslist and Freecycle for your area
- ask other parents with slightly older or larger children
- ask the coach
Other parents, we found out, were more than eager to clear out last season’s equipment, usually for free or very little. Asking the coach is always a good idea because they are usually involved with purchasing equipment and/or are responsible for a school budget.
If your kids play sports how do you save money buying equipment?
Wednesday
Sell Your Vintage Electronics To Harry Poster
Did you happen to end up with Grandpas garage radio, or the doily covered old black and white TV from Aunt Alice? It’s possible your dear old relatives left you with more than you think. To get an idea what your old TV’s and radios might be worth check with Harry Poster. Depending on the condition and age, they list items valued from $25 to over $5,000. Email them with a description and a photo for a free quote. If they want it they can travel or have your item picked up.
They are also looking to buy “old tubes and tube testers, ham gear, unusual and console vintage radios, signs and displays, unusual electronics, plus older manuals, books and flyers, and lots more!”
I will be paying closer attention the next time I am at a garage or estate sale and come across those old TV’s for sale for just a few bucks.
They are also looking to buy “old tubes and tube testers, ham gear, unusual and console vintage radios, signs and displays, unusual electronics, plus older manuals, books and flyers, and lots more!”
I will be paying closer attention the next time I am at a garage or estate sale and come across those old TV’s for sale for just a few bucks.
Monday
All That We Need
“We act as though comfort and luxury were the chief requirements of life, when all that we need to make us really happy is something to be enthusiastic about.”
- Charles Kingsley -
We all have known people who try to pursue happiness by surrounding themselves with the biggest, best or newest of material things. During the last few years at my previous job I would drive to work in my ugly old F-150 pick-up surrounded by new cars and SUV’s. Occasionally I would consider my fellow commuters and imagine their situations. If it was important enough for them to buy new cars and take on the monthly payments, what kind of houses did they live in? What kind of comfort and luxury surrounded them in their homes, and how many toys did they own? Finally, I would wonder if all of those things really made them happy.
Most of them did not look very enthusiastic about where they were going. I imagine for many it was because it was 6:30 in the morning. But for some there might have been a different reason, something Mr. Kingsley wrote about years ago.
- Charles Kingsley -
We all have known people who try to pursue happiness by surrounding themselves with the biggest, best or newest of material things. During the last few years at my previous job I would drive to work in my ugly old F-150 pick-up surrounded by new cars and SUV’s. Occasionally I would consider my fellow commuters and imagine their situations. If it was important enough for them to buy new cars and take on the monthly payments, what kind of houses did they live in? What kind of comfort and luxury surrounded them in their homes, and how many toys did they own? Finally, I would wonder if all of those things really made them happy.
Most of them did not look very enthusiastic about where they were going. I imagine for many it was because it was 6:30 in the morning. But for some there might have been a different reason, something Mr. Kingsley wrote about years ago.
Sunday
Recent Carnivals
The Buck List participated in three carnivals last week. Check out the following carnivals for articles on health, parenting, relationships, travel and finance. Thanks to the hosts for including my posts.
The Family Life Blog Carnival
Recession Obsession Carnival
Money Saving Tips Carnival
The Family Life Blog Carnival
Recession Obsession Carnival
Money Saving Tips Carnival
Friday
10 Craft Selling Options
I know several people that make and sell crafts. They hand make everything from crotched coozies to hanging candleholders to greeting cards. All of them experience the sheer enjoyment of creating their crafts. For some of them the selling is secondary, while for others it is a fun way to make some side cash.
If you enjoy crafting and are thinking about selling online I have rounded up and previewed a few web sites for you. Before going to the sites for your own review make sure to visit Barbara Brabec’s Blog and her website to learn everything you don’t already know about crafting and marketing from “America’s Home Business Maven.” If there is a list of the most experienced, most knowledgeable experts on home based businesses and the craft industries she would be at the top of it.
Art Fire – A basic membership offers no listing or commission fees and a maximum of 10 items in your shop at a time. The “Verified” membership is $12 per month and one of the benefits is you can offer unlimited items for sale. They say they offer multiple marketing campaigns, including “viral, social, traditional, and non-traditional efforts.” There is a section that offers supplies for sale, as well as an Artfire Trends category, where I learned what Steampunk is.
Craft Boom – This is the craft section of sparkplugging.com. They offer good, basic advice and help on marketing an art & craft business online.
Craftster – A self described “online community where people share hip, off-beat, crafty diy (do it yourself) projects.” Users can post new projects and comments.
This is a fun site to click around on. You should not only find some inspiration, but have a few chuckles as well.
Etsy – Create an account and you can sell handmade goods, crafting supplies and vintage items from your shop. There is a 20 cent fee to list an item for four months, and a 3.5% transaction fee. They offer a forum section and real-time chat workshops, as well as a comprehensive, in-depth blog.
Free Craft Fair – They have sections offering craft business resources and planning, how to posts and a free link directory. While you are there make sure to check out the “Sell Your Crafts” page for a good list of resources.
Handmade Catalog – To sell on this site you will need to register with them and choose from their membership plans, starting at $4.95 per month. They offer forum, events and tips pages, as well as a blog and a newsletter.
Ponoko – Ponoko offers design software for you to create items that they then make and ship for you. They can do the same with a hand drawn design you photograph and upload, as well as offering designers that bid on design requests you post. You can sell both the items you designed and the plans for building them. While not a traditional “craft” site, this one offers a different take on designing and selling items.
Shop Handmade – There are no listing or monthly charges, and you can list as many items as you want to. The 25 cent per item listing fee is paid by one of their sponsors. You can choose to pay them a commission if you want, and there is also an optional per item donation to save the rainforest.
Silkfair – Creating a store on Silkfair will allow you to create your own forum and blog, as well as give you the option of creating videos of your items. Signing up and listing is free, with a sales fee of 3% of the item sold.
If you enjoy crafting and are thinking about selling online I have rounded up and previewed a few web sites for you. Before going to the sites for your own review make sure to visit Barbara Brabec’s Blog and her website to learn everything you don’t already know about crafting and marketing from “America’s Home Business Maven.” If there is a list of the most experienced, most knowledgeable experts on home based businesses and the craft industries she would be at the top of it.
Art Fire – A basic membership offers no listing or commission fees and a maximum of 10 items in your shop at a time. The “Verified” membership is $12 per month and one of the benefits is you can offer unlimited items for sale. They say they offer multiple marketing campaigns, including “viral, social, traditional, and non-traditional efforts.” There is a section that offers supplies for sale, as well as an Artfire Trends category, where I learned what Steampunk is.
Craft Boom – This is the craft section of sparkplugging.com. They offer good, basic advice and help on marketing an art & craft business online.
Craftster – A self described “online community where people share hip, off-beat, crafty diy (do it yourself) projects.” Users can post new projects and comments.
This is a fun site to click around on. You should not only find some inspiration, but have a few chuckles as well.
Etsy – Create an account and you can sell handmade goods, crafting supplies and vintage items from your shop. There is a 20 cent fee to list an item for four months, and a 3.5% transaction fee. They offer a forum section and real-time chat workshops, as well as a comprehensive, in-depth blog.
Free Craft Fair – They have sections offering craft business resources and planning, how to posts and a free link directory. While you are there make sure to check out the “Sell Your Crafts” page for a good list of resources.
Handmade Catalog – To sell on this site you will need to register with them and choose from their membership plans, starting at $4.95 per month. They offer forum, events and tips pages, as well as a blog and a newsletter.
Ponoko – Ponoko offers design software for you to create items that they then make and ship for you. They can do the same with a hand drawn design you photograph and upload, as well as offering designers that bid on design requests you post. You can sell both the items you designed and the plans for building them. While not a traditional “craft” site, this one offers a different take on designing and selling items.
Shop Handmade – There are no listing or monthly charges, and you can list as many items as you want to. The 25 cent per item listing fee is paid by one of their sponsors. You can choose to pay them a commission if you want, and there is also an optional per item donation to save the rainforest.
Silkfair – Creating a store on Silkfair will allow you to create your own forum and blog, as well as give you the option of creating videos of your items. Signing up and listing is free, with a sales fee of 3% of the item sold.
Wednesday
Have You Tried BillShrink Yet?
BillShrink is a website the searches for the best deals on credit cards, cell phone plans and gas prices based on your current usage. They are “constantly tracking millions of options in the market” to find the best options to save you money. They ask you to register with an email address and a user name, with the option of receiving personalized updates.
My search results gave me 96 credit card options, 10 gas stations and 7 cell phone plans. Two of the cell phone plans presented were the one I currently use, which was a little odd. Maybe there was some kind of a break for new customers. Several of the pump prices at the gas stations were ridiculously low, but some fine print told me the prices could be up to seven days old. As for the credit card options the best offer claimed it would save me $215 over three years. At a rounded up savings of $6 per month I might look into it further.
My results were mixed, but I think it is worth the minimal amount of time it takes and ease of use to see if they can save you some money.
My search results gave me 96 credit card options, 10 gas stations and 7 cell phone plans. Two of the cell phone plans presented were the one I currently use, which was a little odd. Maybe there was some kind of a break for new customers. Several of the pump prices at the gas stations were ridiculously low, but some fine print told me the prices could be up to seven days old. As for the credit card options the best offer claimed it would save me $215 over three years. At a rounded up savings of $6 per month I might look into it further.
My results were mixed, but I think it is worth the minimal amount of time it takes and ease of use to see if they can save you some money.
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