Category Archives: Finances and Budgeting

Op-Ed: Choosing between printing hardbound vs e-books

dollarsignOp-Ed: Choosing between printing a hardbound vs an e-book for your self-help books.

moneypileWhen it comes to printing and publishing a “how to” or self-help book, the choice of whether to go with hardbound or E-book is a no-brainer. Why? Because, information changes, particularly with self-help books. For example, if you’re giving your readers a list of telephone numbers and contact information, that information can be outdated at any time and you may need to change it to keep the information current. Or, new methods of dealing with a problem may arise or old methods may no longer be viable. If your book is in hardbound form, it is very difficult to upgrade or update the information without spending a great deal of money.

Let’s say that you’re writing a self-help book on how to do your personal income taxes. Every year, the tax code changes, minimums and maximums allowed for different categories are changed, and certain deductible categories may disappear entirely. Instead of having to go through the expense of correcting and reprinting your hardbound book, you may want to choose an e-book format so you can simply rewrite the updated information and upload your new version.

With e-books, you can correct website links, update statistics, or include new information without incurring a huge cost. You can expand certain chapters, add chapters or delete chapters, depending on what you’ve learned in the last year.

I’ve published both paperback and e-books, and if you’re working in nonfiction writing, it may be a better choice to publish your work as an ebook. You will have more flexibility and less cost if you choose this format for self-help books.

Get Your Truly FREE Annual Credit Report

BudgetingOnADime_eBookCover_amazonFor a truly FREE credit report without having to sign up for a service, go to www.annualcreditreport.com and you can request your credit report free from the three main credit reporting services. No charge! For more helpful, money saving tips, check out my newest book “Budgeting on a Dime: 10 Steps to Financial Independence” which can be found at Amazon.com at
http://www.amazon.com/Budgeting-Dime-Steps-Financial-Independence/dp/0974536970/ref=sr_1_4?s=books&ie=UTF8&qid=1354724445&sr=1-4&keywords=Budgeting+on+a+Dime

Tax Tip#1- Giving to Charities

BudgetingOnADime_eBookCover_amazonTax Tip#1. If you give to charities, make sure they are 501(c)3 charities, so your donations will be tax deductible. If they are 501(c)3 charities, they will usually send you a letter or receipt stating their status and the amount you gave with each donation. Keep all these in a file marked Donations or Charitable Contributions, and at the end of the year, they’ll be handy and easy to add up!

For more money saving ideas, read “Budgeting on a Dime: 10 Steps to Financial Independence” which can be found on Amazon.com at:

I guarantee that following only a few tips from this book will more than cover the low, low price!

Start the New Year off right…by Learning to Live Within your Means!

BudgetingOnADime_eBookCover_amazonStart your New Year off right by getting your finances in order!

“Budgeting on a Dime: 10 Steps to Financial Independence” is now available at Amazon.com Check it out at http://www.amazon.com/Budgeting-Dime-Steps-Financial-Independence/dp/0974536970/ref=sr_1_4?s=books&ie=UTF8&qid=1354724445&sr=1-4&keywords=Budgeting+on+a+Dime

How to Avoid the Christmas Crunch and save money!

Maybe I’m simple, but I don’t understand the whole Black Friday mania, I mean, doesn’t Christmas come every year on the same day?
Does it surprise people to get to the day after Thanksgiving to find that CHRISTMAS is coming?
If people bought a couple of gifts for their Christmas list every month during the year, they’d get great sales prices (there are sales all year long), they’d be ready for Christmas in plenty of time to actually enjoy the season, and they could be thankful that they won’t be out on the road with a billion people who think their shopping needs supersede everyone else in the stores!
A little bit of forethought saves tons of time, money and aggravation! From Diane Tegarden, Author of “Budgeting on a Dime- 10 Steps to Financial Independence”

 

Talking CASH, not trash, Friday 11/09/12, check us out!

I’m thrilled to be a returning guest on the Hollis Chapman Talk Radio Show this Friday 11/09/12 at 9am PST/10am MST/11am CST/noon EST. The call in number is 646-595-4326, and here’s a link: http://blogtalkradio.com/hollischapmanshow

We’ll be talking CASH, not trash….how to live within your means, how to balance a budget, tools and tips on how to survive in this rough economy…and MORE!!! Call in with your questions and comments, we’d love to hear from you.

Learn how to Budget your Hard Earned Money!

Budgeting on a Dime by Diane Tegarden is a comprehensive guide to getting your finances in better shape. It’s simplicity makes it easy for anyone to understand. The charts are an excellent addition to help people assess their financial state and to work out how to budget their money more appropriately in order to get out of debt and begin to save money. It’s a how-to book on how-not-to spend more than you earn.

Simple suggestions on how to reduce grocery costs, for instance, show just how much can be saved by buying in bulk and using coupons. Other money-saving ideas show how to save on buying new appliances, on heating and water bills, gas for the car, clothes and more. The chapter on credit cards offers some excellent advice on eliminating credit card debt.

The book is laid out in an easy-to-read format that even those with no financial training will be able to follow. It would be an asset for anyone who needs help to get their financial affairs in good order.

Diane Stephenson,  Author of the upcoming book “A Graveyard of Dreams: Breathing New Life into Buried Dreams”

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

My husband is a Certified Financial Planner and I can state unequivocally that “Budgeting on A Dime” by Diane Tegarden is just what the financial doctor ordered!  Like most activities in life, personal and/or family budgeting is not rocket science but it does require mapping out a strategy for success and Diane has done just that. Her book is informative, relevant and easy to understand which makes it the perfect guide to help anyone get started and stay on track managing their personal finances.  “Budgeting On A Dime” definitely gets a triple A rating in my book!

Marsha Walker Eastwood, Founder and President of Emy Baker’s Originals

Nov 1st interview with Todd Weaver of WEBE Radio

Hey all, I wanted to turn you onto a fantastic slideshow that my next radio host put together for our interview. On Nov 1st, I’ll be interviewed by Todd Weaver on his WEBE Radio Show about the problem of domestic violence at 2:30pm PST/3:30pm MST/4:30pm CST/5:30pm EST. Here’s a link: http://www.blogtalkradio.com/webe/2012/11/01/diane-tegarden-domestic-violence-author

Clean EVs making money for their owners!!!

The California Clean Vehicle Rebate Project is offering up to $2500.00 in rebates to new owners of plug-in electric vehicles (PEV), plug-in hybrid electric vehicles (PHEV) or zero-emissions vehicles (ZEV).

The models that qualify are listed on their website at: http://www.cvrp.energycenter.org or you can call for more information to their toll free# 866-984-2532.

You can send for the application online and the California Center for Sustainable Energy will email you further instructions within 3-4 days.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

The federal government is also forking over as much as $7300.00 tax credit for qualifying purchases, so I’ll check back with you after tax time next year to let you know how that program works as well.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

This means that potentially you have an opportunity to get back as much as $9800.00 of the sales price in rebates and tax credits.

Good luck with your purchases fellow Greenies,
Diane Tegarden
Environmental Journalist (and new Chevy Volt owner!)

Dude, I need a break!

I’m taking a brief hiatus from my Blog Talk radio show and writing for The Examiner.com from January-March 2012 in order to finish my two main writing projects for this year; a novel “Cami Chameleon, Sweet Hitchhiker” and “Budgeting on a Dime” a short e-book about getting control of your personal finances.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

My next radio interview will be with Tammy Gagnon of the “No Longer Silent” Radio Show on Sunday January 22nd at 1pm PST/2pm MST/3pm CST/4pm EST.

The show will be about my experience surviving domestic violence, the call-in number to the show is 347-838-8098.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Energetically, Diane Tegarden
“How to Escape a Bad Marriage-A Self Help Divorce Book for Women”;
“Light Through Shuttered Window”; “Anti-Vigilante and The Rips in Time” at BarnesandNoble.com, Amazon.com, firewalkerpublications.com