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<HEAD><TITLE>Champion Cheapskate Training Center by Arthur A. Hawkins II</TITLE>
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<CENTER><H1>Champion Cheapskate Training Center</H1></CENTER> 

<CENTER><A HREF="http://www.inforesearchlab.com/cheapskates2.html#how.htm">Save Money</A> · <A HREF="http://www.inforesearchlab.com/cheapskates3.html#beware.htm">Buyer Beware</A> · <A HREF="http://www.inforesearchlab.com/selfemployment.html">Business</A> · <A HREF="http://www.inforesearchlab.com/cheapskates3.html#5rs.htm">5 R's</A> · <A HREF="http://www.timemanagement4u.com/coupons.html">Coupons</A> · <A HREF="http://www.timemanagement4u.com/deals4.html">Freebies</A> <A HREF="http://www.inforesearchlab.com/cheaptest.html">Cheapskate Test</A> · <A HREF="http://www.inforesearchlab.com/cheapskates3.html#special.htm">Special</A> · <A HREF="http://www.inforesearchlab.com/cheapskates2.html#alert.htm">Alert</A> · <A HREF="http://www.inforesearchlab.com/easysales2.chtml">Easy Sales</A> · <A HREF="http://www.inforesearchlab.com/food.chtml">Frugal Food Formula</A> 
<A HREF="http://www.timemanagement4u.com">Tame Time</A> · <A HREF="http://www.inforesearchlab.com/moodlifters.chtml">Mood Lift</A> · <A HREF="http://www.timemanagement4u.com/savers.html">$ Savers</A> · <A HREF="http://www.timemanagement4u.com/deals2.html">No Debt</A> · <A HREF="http://www.inforesearchlab.com/seasonseatings.chtml">Season's Eatings</A> · <A HREF="http://www.inforesearchlab.com/links.chtml">Resources</A> <A HREF="http://www.timemanagement4u.com/worksimple.chtml">Work</A> · <A HREF="http://www.timemanagement4u.com/gas.html">Gas</A> · <A HREF="http://www.inforesearchlab.com/giftideas.html">Gift Ideas</A> · <A HREF="http://www.inforesearchlab.com">IRL</A></CENTER> 




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<td body bgcolor="fff5ee"><tt>BE FRUGAL</tt></td>
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<td><A HREF="http://www.inforesearchlab.com/cheapskates.html#top.htm">Home</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheaptest.html">Consumer Challenge</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheapskates2.html#how.htm">Save Money</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheapskates3.html#beware.htm">Buyer Beware</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheapskates2.html#alert.htm">Alert</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/food.chtml">Food Formula</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/gas.html" TARGET="_blank">Gas Savers</a> </td>
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<td><A HREF="http://www.timemanagement4u.com" TARGET="_blank">Manage Time</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/selfemployment.chtml">Self-Employment</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/streetsmart.chtml">Street Smart</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheapskates3.html#5rs.htm">5 R's</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheapawards.chtml">Awards</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/cheapskates2.html#8.htm">Special</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/links.chtml"> Links</A> </td>
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<td body bgcolor="fff5ee"><tt>FRUGAL STUFF</tt></td>
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<td><A HREF="http://www.timemanagement4u.com/links.chtml#4bargains.htm">Check Prices</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/travel.html" TARGET="_blank">Travel for Less</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/coupons.html" TARGET="_blank">Free Coupons</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/survey.html" TARGET="_blank">Surveys</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/deals2.html" TARGET="_blank">Reduce Bills</a> </td>
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<td><A HREF="http://www.timemanagement4u.com" TARGET="_blank">Manage Time</A> </td>
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<td><A HREF="http://www.inforesearchlab.com/easysales.chtml" TARGET="_blank">Auctions/Yard Sales</a> </td>
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<td body bgcolor="fff5ee"><tt>FREEBIES</tt></td>
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<td><A HREF="http://www.timemanagement4u.com/deals4.html">Freebies You Need</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/coupons.html">Free Coupons</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/deals2.html">Cut Bills</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/savers.html">Save $s</a> </td>
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<td body bgcolor="fff5ee"><tt>USEFUL STUFF</tt></td>
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<td><A HREF="http://www.inforesearchlab.com/giftideas.html" TARGET="_blank">Gift Ideas</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/deals2.html#lowermybills.htm" TARGET="_blank">Reduce Your Bills</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/seasonseatings.chtml" TARGET="_blank">Season's Eatings</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/tax.chtml" TARGET="_blank">Tax Tips</a> </td>
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<td><A HREF="http://www.timemanagement4u.com/links.chtml" TARGET="_blank">More Useful Stuff</a> </td>
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<td body bgcolor="fff5ee"><tt>HEALTH & FITNESS</tt></td>
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<td><A HREF="http://www.inforesearchlab.com/moodlifters.chtml" TARGET="_blank">Mood Lifters</a> </td>
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<td><A HREF="http://www.inforesearchlab.com/stopsmoking.html" TARGET="_blank">Stop Smoking</a> </td>
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<td><A HREF="http://www.timemanagement4u.com"> Time Tamers </A> </td>
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<td><A HREF="http://www.inforesearchlab.com/bluesseason.chtml" TARGET="_blank">Seasonal Blues Busters</a> </td>
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<td body bgcolor="fff5ee"><tt>PARTNERS</tt></td>
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<td><a href="http://www.stresslesscountry.com"target="_blank">Stress Reduction</A> </td>
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<td><A HREF="http://www.frugalandfree.com">FrugalAndFree.com</A> </td>
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<td><A HREF="http://www.frugalvillage.com">FrugalVillage.com</A> </td>
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<td body bgcolor="fff5ee"><tt>RESOURCES</tt></td>
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<td><A HREF="http://www.timemanagement4u.com/links.chtml">More Resources</A> </td>
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<td><A HREF="mailto:info%40inforesearchlab%2ecom?subject=cheapskates" TARGET="_blank">Comments and ?s</a> </td>
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<H2>Do you enjoy making money by saving it? Become a Champion Cheapskate like the millionaire next door, bustling business owners, SAHMs, SAHDs, students, retirees, savers. . .</H2> 

Champion cheapskates live better on less (less is more). That means they live well within their means. They manage their budgets effectively, both assets and liabilities.

Try the ABC's for starters:
<UL><LI>Always take advantage of what's on-hand
<LI>Be creative
<LI>Create and use homemade and handmade items. Why buy?
<LI>Do-it-yourself (fix, refinish, renew, recycle)
<LI>Enlist the <A HREF="http://www.inforesearchlab.com/cheapskates3.chtml#5rs.htm" TARGET="_blank">5 R's</A>
<LI>Find and use <A HREF="http://www.inforesearchlab.com/easysales.chtml" TARGET="_blank">yard sales</A>, auctions, buyers clubs and flea markets
<LI>Go for bargains, but buy only what you need. Follow this rule: If you don't need it, don't buy it. Shop smart!
<LI>Heads up. Think before you act. Be positive too
<LI>Imagine you are <A HREF="http://www.inforesearchlab.com/moodlifters2.chtml" TARGET="_blank">happy!</A> Raise your spirits. Lift your mood
<LI>Joy to the world. Relax and enjoy life</UL>

So what do you really need? Too much of anything weighs you down. Stay lean and mean. Less is more, so downscale. You will enjoy the results.

ATTENTION: Winter Shoppers! You have the power, especially if use the Internet to <A HREF="http://www.timemanagement4u.com/links.chtml#4bargains.htm" TARGET="_blank">check prices</A> and reduce <A HREF="http://www.timemanagement4u.com/deals2.html" TARGET="_blank">bills</A>!

Manage <A HREF="http://www.timemanagement4u.com" TARGET="_blank">time</A> effectively. Do more in less time. Get more out of life and work. Spend more time with family.

<A HREF="http://www.inforesearchlab.com/smokefree.chtml">Quit smoking</A>. Keep your New Year's Resolution. Save your money and your life. It's never too late or too early.

Grab these <A HREF="http://www.timemanagement4u.com/deals4.html" TARGET="_blank">freebies</A> you can actually use. Save money and celebrate.

Help us provide What Every Consumer Should Know. This site is dedicated to YOU. If you have any suggestions, want to link to this site or spot any deadlinks <A HREF="mailto:info%40inforesearchlab%2ecom?subject=cheapskates">e-mail</A> or fax us 360.656.1172. 

Get <A HREF="http://www.timemanagement4u.com/triptips.chtml" TARGET="_blank">trip</A> tips.

Take <A HREF="http://www.timemanagement4u.com/survey.html" TARGET="_blank">free paid surveys</A>. Cash in on your knowledge. Get paid for your opinions too. Put your spare time to work.

3 things you need:
<OL><LI>baking soda
<LI>hydrogen peroxide
<LI>apple cider vinegar</OL>
Explore the many uses: cleaning, health, cooking*. . . Note: Do not eat or cook with hydrogen peroxide :(

<A HREF="http://www.timemanagement4u.com/unwanteditems.chtml" TARGET="_blank">Spring cleaning</A> tips.

Need <A HREF="http://www.inforesearchlab.com/giftideas.html" TARGET="_blank">gifts</A>?

Like this site? Tell a friend and bookmark this site (CTRL-D). 

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<CENTER><H3>Why Buy?</H3></CENTER> 
Why buy if you don't have to? When you have something, use it! Check your closets, basement, attic, storage areas, etc.
That’s right, keep your hard earned money! Have more money for yourself and loved ones.
Save money on clothes, shoes, <A HREF="http://www.inforesearchlab.com/food.chtml" TARGET="_blank">food</A>, office supplies, and other items, even those given as <A HREF="http://www.inforesearchlab.com/giftideas.html" TARGET="_blank">gifts</A> (think ahead now).

Why not <A HREF="http://www.inforesearchlab.com/easysales.chtml">cash in</A> on old "outdated" items sitting in a dusty crate, especially the things you never got around to using or opening? They may be red hot now.
Yes, use your overlooked, long forgotten and unopened gems. Create something new such as homemade and handmade items, out of them.
Also, they may make great <A HREF="http://www.inforesearchlab.com/giftideas.html" TARGET="_blank">gifts</A> (unopened, unused) and hand-me downs or ups – a little cleaning, restoration or repair can do wonders.
When you must buy <A HREF="http://www.timemanagement4u.com/links.chtml#4bargains.htm" TARGET="_blank">check prices</A> carefully and use your common sense. Avoid problems like debt by <A HREF="http://www.timemanagement4u.com/deals2.html">buying</A> only what you need and using what you already have.
Learn how to <A HREF="http://www.timemanagement4u.com/travel.html" TARGET="_blank">travel</A> for less. Always look for ways to <A HREF="http://www.timemanagement4u.com/coupons.html" TARGET="_blank">save</a> and seek out <A HREF="http://www.timemanagement4u.com/savers.html" TARGET="_blank">buying tips</A>.

Finally, don't forget to <A HREF="http://www.timemanagement4u.com/simple.chtml">simplify</A> your life and the way you <A HREF="http://www.timemanagement4u.com/worksimple.chtml">work</A>.


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Set yourself or a friend financially free with an autographed copy of the best selling book <A HREF="http://www.inforesearchlab.com/selfemployment.chtml">THE Self-Employment Resource Guide</A> by Arthur A. Hawkins II, the champion cheapskate and Northwestern University-educated author and self-employment coach. Click the PayPal button immediately below to order online now (credit card, check, debit card, transfer). <A HREF="http://www.inforesearchlab.com/selfemploymentreviews.chtml">See testimonials & reviews</A>. 100% Money Back Guarantee!

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<CENTER><H3>Freebies</H3></CENTER> 
Check out these useful freebies:


<A HREF="http://www.timemanagement4u.com/deals4.html" TARGET="_blank">Freebies You Need</a> 
<A HREF="http://www.timemanagement4u.com/gas.html" TARGET="_blank">Gas Savers</a> 
<A HREF="http://www.timemanagement4u.com/coupons.html">Free Coupons</a> 
<A HREF="http://www.timemanagement4u.com/deals2.html" TARGET="_blank">Reduce Bills</a> 

<CENTER>Live Simple</CENTER>

<A HREF="http://www.timemanagement4u.com/simple.chtml" TARGET="_blank">The Simple Life</A> 
<A HREF="http://www.inforesearchlab.com/cheaptest.html" TARGET="_blank">Take The Consumer Challenge</a> 
<A HREF="http://www.timemanagement4u.com/links.chtml#4bargains.htm" TARGET="_blank">Check Prices</a> 
<A HREF="http://www.timemanagement4u.com" TARGET="_blank">Make Time Pay</A> 
<A HREF="http://www.inforesearchlab.com/easysales.chtml" TARGET="_blank">Auctions & Yard Sales</a> 
<A HREF="http://www.inforesearchlab.com/moodlifters.chtml" TARGET="_blank">Mood Lifters</a> 
<A HREF="http://www.timemanagement4u.com/worksimple.chtml" TARGET="_blank">Make Work Simple</A> 
<A HREF="http://www.inforesearchlab.com/quitquestions.html" TARGET="_blank">Stop Smoking</a> 

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<A HREF="http://www.timemanagement4u.com/links.chtml#4bargains.htm">How much do things cost? How much should you pay? What choices do you have? Who has the best deals?<CENTER><H3><A HREF="http://www.timemanagement4u.com/deals4.html">Want Free Freebies?</A></H3></CENTER> 
<CENTER><A HREF="http://www.inforesearchlab.com/cheapskates2.chtml#how.htm">Save Money</A> · <A HREF="http://www.inforesearchlab.com/cheapskates3.html#beware.htm">Buyer Beware</A> · <A HREF="http://www.inforesearchlab.com/selfemployment.chtml">Business</A> · <A HREF="http://www.inforesearchlab.com/cheapskates3.html#5rs.htm">5 R's</A> · <A HREF="http://www.timemanagement4u.com/coupons.html">Coupons</A> · <A HREF="http://www.timemanagement4u.com/deals4.html">Freebies</A> 
<A HREF="http://www.inforesearchlab.com/cheaptest.html">Cheapskate Test</A> · <A HREF="http://www.inforesearchlab.com/cheapskates3.html#special.htm">Special</A> · <A HREF="http://www.inforesearchlab.com/cheapskates2.html#alert.htm">Alert</A> · <A HREF="http://www.inforesearchlab.com/easysales2.chtml">Easy Sales</A> · <A HREF="http://www.inforesearchlab.com/food.chtml">Frugal Food Formula</A> 
<A HREF="http://www.timemanagement4u.com">Manage Time</A> · <A HREF="http://www.timemanagement4u.com/travel.html">Travel</A> · · <A HREF="http://www.timemanagement4u.com/survey.html">Surveys</A> · <A HREF="http://www.inforesearchlab.com/moodlifters.chtml">Mood Lifters</A> · <A HREF="http://www.timemanagement4u.com/gas.chtml">Gas</A> 
<A HREF="http://www.inforesearchlab.com/giftideas.html">Gift Ideas</A> · <A HREF="http://www.timemanagement4u.com/simple.chtml">Life</A> · <A HREF="http://www.timemanagement4u.com/worksimple.chtml">Work</A> · <A HREF="http://www.timemanagement4u.com/savers.html">$ Savers</A> · <A HREF="http://www.inforesearchlab.com/cheapawards.chtml">Awards</A> · <A HREF="http://www.inforesearchlab.com/links.chtml">Resources</A> 
<A HREF="http://www.inforesearchlab.com">InfoResearchLab.com</A> · <A HREF="mailto:info%40inforesearchlab%2ecom?subject=cheapskates">Comments and ?s</A> · <A HREF="http://www.inforesearchlab.com/cheapskates.html">Home</A> 
<A HREF="http://www.timemanagement4u.com/coupons.html">Use Free Coupons Now And Save Big!</a></CENTER> 

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