Green Holidays

How to Green your Holidays. While not all of their suggestions might be plausible for everyone, they still have some nice tips. Even doing one or two things will help.


Why Frugal Is Fabulous, Cool, \"the new black\"

This is a really great article I wanted to share.
Why Frugal Is Fabulous, Cool, \"the new black\"

Our Best Bites: Easy Halloween Party Food

Our Best Bites: Easy Halloween Party Food


This site has some great ideas for Halloween food, makes me wish I was having a Halloween party!

Seven Tips to Help With Household Budgeting

This was recently passed along on a mailing list I am on, Thanks Kimmie!


Seven Tips to Help With Household Budgeting

1. Keep your financial records organized and your filing up to date. Have a set of file folders for items such as receipts, bills, canceled checks, checking account statements, etc. Have a designated place where you keep or can easily assemble your master budget, your financial files, checkbook, etc. so it is all in one convenient location.

2. Avoid spending cash, unless you are good at writing down cash expenses in a journal. It is all too easy to get $100 from the ATM and then have no idea where it all went at the end of the week. If you have trouble figuring out where your cash gets spent, keep a small amount of cash on hand for minor purchases. For everything else, try to pay by either a paper check, online checking or through credit cards so you have a record of your purchases. Credit cards are a good way to track purchases unless you have trouble controlling your spending. If this applies to you, then avoid credit card purchases and focus on keeping track of your expenses in a journal or by paying for items by check.

3. Give your children a set allowance for things like movies, CDs, snacks and toys instead of just giving them money on as needed basis. Giving children an allowance teaches them to make wise spending choices at an early age. A twelve year old who spends all of his allowance right away on CDs and then doesn't have enough money to go to the movies with his friends on the weekend has just learned a good lesson on the negative consequences of impulse spending.

4. Have a system in place for handling the mail. If you are not in the habit of misplacing bills or checks, good for you. Keep on using whatever system you have in place now. However, if losing track of bills is an issue at your house, it may help to have a designated mail drop box inside the house. Each family member should be instructed that whoever brings in the mail that day should always put the mail in the designated mail box for later sorting. Then the family member who has responsibility for sorting the mail should do so near the financial folders. That way checks get put right away in the check folder, bills in the bill folder, etc.

5. Avoid going to stores where you have had problems overspending in the past. Our neighbors stopped shopping at warehouse clubs and actually ended up saving money. They found they spent more money by not being able to resist all of the warehouse club bargains on products they really didn't need than they would by just getting their food at the local grocery store.

6. Have written, long term savings goals. Some sample goals might be getting out of debt, saving for a college, or building a retirement fund. It helps to avoid spending money on day to day purchases if you have financial goals in mind. Not having any compelling reasons to save makes it easier to fritter away money on small day to day purchases instead of saving for the long term.

7. Have a set time each week to review and pay the bills. If you have the money to pay your bills, there is no point in getting unneeded late fees due to disorganization or lost bills. If you make $15 an hour after taxes, then to make up for just one $30 late fee you would have to work an extra two hours to cover the fee.

Getting organized is one of the first steps to gaining control of your budget. Avoiding unnecessary late fees, paying bills on time, and having a good system in place for filing and paying your bills can all help to keep your household budget on the right track.

Source: Always Frugal by S. L. Simmons

How To Get A Free Education Online. | My Two Dollars

How To Get A Free Education Online. | My Two Dollars

My Two dollars (A fellow blog) has some great tips on getting Free educational material. Including MIT & University of Berkley.

Flu.gov

Flu.gov

For those of you who might be worried about H1N1 flu, or even the regular flu. There is now this lovely site that gives you all sorts of wonderful information. Including an online quiz to see if you have H1N1. Though it is a very short quiz. It is also in favor of the Vaccine. (I have a complete fear of needles, so I try to avoid them at all costs.) But it does have further information on the differences between the two types of flu that are going around lately.


If It Prints, I’ll Let You Know – Printer & Ink Cartridges Blog – Save Money With Online Printer Cartridge Coupons

If It Prints, I’ll Let You Know – Printer & Ink Cartridges Blog – Save Money With Online Printer Cartridge Coupons


Most people get their printer cartridges from stores, office stores, chain stores such as target, or even your local drugstores have them these days, one way to save money is to check online.  This blog talks about how you can save 30%-50% on the cost of Ink Cartridges from sites online. Personally I get mine from Amazon.com.  My printer takes 6 different individual cartridges, and last time I had to get them they were $14.95 for all 6. They start at about $10.00 a piece in the stores, even in stores that specialize in Printer Supplies.


Some people say that you can save money by refilling cartridges. In my experience, they don't last as long when being refilled. (I work for a place that refills them too)  But even that isn't as cheap as getting them online.

How To Get Rid Of an Ice Cream Headache Video | General Cooking Videos | Howcast.com

How To Get Rid Of an Ice Cream Headache Video | General Cooking Videos | Howcast.com


I saw this in my email, and thought this was to funny not to post. It's one of those problems almost everyone has, though it's not very serious.


Build Your Own Wire Photo Wall - DIY - Lifehacker

Build Your Own Wire Photo Wall - DIY - Lifehacker
This blog has a lovely idea on how to display photo & artwork. Lately If you check out the prices of frames, they can be expensive. This is a great modern way of showing off artwork & photos.
Check out the full blog post

New Chicago area code 872 goes into effect Nov. 7 - Message from Montie

New Chicago area code 872 goes into effect Nov. 7 - Message from Montie


Well as Chicago has been growing, it's time for yet another area code! Wee! The new one will be 872, and will cover.

The new area code, 872, will be used in the same geographic region. The 872 area code will be inChicago zones 1, 2, 5 and 11, locations where 312 and 773 area codes are used regularly as well. Keep in mind that people may use their cellular phones as a landline, and cell phone numbers will require the same dialing process: 1 + area code + phone number. I believe even if you are in the same area code, you will need to start dialing the area code.

Top 6 Ways to Cut Family Food Budget � Regal Springs Tilapia Blog

Top 6 Ways to Cut Family Food Budget � Regal Springs Tilapia Blog



1. Try going meatless a few days a week and eat more salads and soups instead.

If your family is of the ‘meat and potatoes’ variety, you might want to start by cutting meat out of the menu just one day a week. Replace it with beans, tofu, or eggs. Once they’re used to this, increase the non-meat offering to two days a week and see if anyone notices. Another way to get even more out of a dollar: cook dried beans in your crock pot instead of buying canned. It saves you from excess sodium too!

2. Start your own garden to grow your own vegetables and herbs.

This takes a little more effort, but if you can manage it, gardening can save quite a lot of money. I have a friend with more cantaloupes than she knows what to do with. Personally, I have had more luck with herbs than actual fruits and vegetables, but that’s resulted in savings too. Herbs are expensive at the store. Having them fresh in my backyard means I’m making more of those recipes I used to skip over because of the pricey ingredients.

3. Make your own snacks with goodies like fruits, nuts, and pretzels.

To take this a step further, when fruits and veggies are in season or on sale - buy them. Buy lots of them and tell your family that’s the Snack of the Week. For those salty snacks, buy in bulk and package in plastic baggies for the lunches. That will save you bundles!

4. Utilize leftovers to the fullest … don’t let anything become unnecessary waste.

I work at home, and I LOOOOOVE me some leftovers (<- that’s me trying to be Southern) so this one’s easy for me. Think twice before you toss anything out. Veggies can always be used in a salad. Almost any kind of meats can be mixed into a chimichanga. And leftover scrambled eggs are great in fried rice or in a flour tortilla.


5. Cook in large batches to increase efficiency and prepare all meals weeks in advance.

If it can be doubled, double it. Then freeze it. If it’s good enough for [insert favorite purveyor of frozen food here], it’s good enough for you.

6. Maximize the use of a freezer to save food for as long as possible.

See #5 above, but also buy meat on sale. I cannot tell you how much money I’ve saved doing this one simple thing. Find out when the meat gets marked down at your grocery store and then buy it! You can easily save 20%-30% - and sometimes more - this way. Take the meat home and put it immediately into the freezer. You don’t have to have one of those super duty models. Most standard freezers hold plenty. The trick is to plan your weekly menus based on what you have in the freezer, and always be on the lookout for new discounted meat to replace it.

Planting Garlic

Someone recently asked about planting Garlic on a mailing list I am on, and this made me poke around on the internet and find this. I was initially looking to see what they planted. Think I will try to snag some of my sisters Garlic cloves and plant them this winter.

Prolonging the life of your Shaving Razor Blade

How Many Times Can You Use a Razor Blade to Shave? - The Cheapskate Blog - TIME.com

With the rising cost on most consumer products these days, it doesn't hurt to try to save in every possible way you can. One way is if you shave to reuse disposable razors. WiseBread.com offers tips on prolonging the life of your razor blade. Including some lesser known ways of prolonging the life of your razor, such as sharpening them with a pair of Jeans or Coating your Razor... Read More

Omaha.com - The Omaha World-Herald: Community - School, bank offer Money 101

Omaha.com - The Omaha World-Herald: Community - School, bank offer Money 101


This is a great idea, I run into young adults in their early 20s who have no idea on the basics of a bank accounts and general financial items.

A Tip for helping stop the spread of Germs.

With Flu Season coming up again, it's important to be mindful of Germs. One way to help keep from getting tons of Germs, carry a package of wipes around in your car and wipe your hands down well after you come out of store or other places.

Home Made Febreze

Get an empty Spray bottle, you can reuse one from a cleaning product or buy one. (I recommend reusing, just make sure to clean it out real well!) Fill most of the way with Water. (about 2inches from the top of the bottle, a little more if it's a real narrow top.) Fill the rest of the space with your favorite liquid fabric softener. Can be used on cloth surfaces.

Remembering your License Plate Number

A Very brilliant lady on a mailling list that I read, posted this suggestion today for those of us that can't remember our license plate number! I don't know how many times I have needed that information (For City stickers and such too) and have had to run back out to my car!


Create an entry named "License Plate" in your contact list on your cell phone. Enter your license plate number and you will have that information at your fingertips.

This is great info to have at hotel check in, or in the unfortunate event that your car gets stolen, etc. Having that entry could be the difference between a quick recovery and a never-ending hassle.


Thanks Kimmie!

Mars Real Chocolate Relief Act Countdown

Mars Real Chocolate Relief Act Countdown

It's hard to say no to free Chocolate. Go to this site tomorrow, and get a coupon for A Free Candy Bar from MARS (M&Ms, Snickers, etc..) you can do this every Friday!

15 Ways to Save Big Bucks on Healthy Groceries

Here is a great article on ways to save some money while doing your grocery shopping while trying to eat healthy!
15 Ways to Save Big Bucks on Healthy Groceries


15 Ways to Save Big Bucks on Healthy Groceries

Beyond Clipping Coupons: Real-World Strategies that Work

-- By Liza Barnes, Health Educator

Have you ever experienced a feeling of sticker shock when the grocery store cashier announced your total? Do you wonder how such a large percentage of your paycheck fits into a few measly bags? Groceries are expensive, especially these days, when many of us are struggling to make ends meet and food prices continue to rise. And it’s going to get worse before it gets better. Fortunately, there are many ways to save money on your grocery bill—without giving up on your desire to eat healthier. We all have a variety of challenges and circumstances, so select the suggestions below that will work for you and your family.

Read more

How Clean is your water?

The Clean Water Act Isn't Very, NYT Investigation Finds : TreeHugger

This article at TreeHugger.Com has a link to a site which allows you to check to see if there have been any violations in your area for the Clean Water Act. With an interactive Map. Pretty interesting stuff to see who's doing what.

Valley group meets to swap clothes and save money - Phoenix Arizona news, breaking news, local news, weather radar, traffic from ABC15 News | ABC15.co

Valley group meets to swap clothes and save money - Phoenix Arizona news, breaking news, local news, weather radar, traffic from ABC15 News | ABC15.com

Thought this was an interesting news blurb. I wonder if there are any clothing swaps in Chicago. I could see this being extremely useful if you have kids as they are growing like crazy.


Frugality: the “F” Word Americans Can’t Live Without | EcoSalon

Frugality: the “F” Word Americans Can’t Live Without | EcoSalon


Another great article about the changes we face & how we are moving towards a frugal based society.

Common Household Items You Can Recycle for Money | EcoSalon

Common Household Items You Can Recycle for Money | EcoSalon


Aluminum Cans
I’m a soda addict, and I can go through a 12-pack faster than a roll of toilet paper. Even if you only drink a couple throughout the week, add your significant other or roommates into the equation, and the cans can pile up pretty quickly. Instead of tossing them in your recycling bin, bag up your plethora of cans and bring them to your local recycling center for some extra cash. You can also take them to a reverse vending machine, as long as they’re not crushed.

Plastic Bottles

The same goes for plastic bottles. Keep in mind that the majority of recycling centers pay by the pound, so save gas by accumulating as many as possible before taking a trip.

Glass Bottles

In addition to aluminum cans and plastic bottles, you can also bring glass bottles to a nearby recycling center or reverse vending machine to get money back.

Printer Cartridges

Hang on to your empty printer cartridges and send them in to be recycled by eCycle Group or similar programs. While you’re at it, get your office in on the action, too. You can also bring them to a nearby Staples, but you’ll receive store credit instead of cash.

PCs and Laptops

Computers become obsolete quickly, and that means more outdated electronics in the landfill. But, it doesn’t have to be. Send in your old laptop or personal computer to Gazelle or search online for similar sites to get money back.

Cell Phones

My puppy recently mistook my cell phone for a chew toy. When I told a friend, she told me that I could send it in to Buy My Tronicsfor cash – even if it’s mangled beyond recognition.

iPods or MP3 Players

So, you upgraded to the iPod Touch, and you’re wondering what to do with your old MP3 player. That’s an easy one; there are a number of web sites that pay you to send it in, including You Renew.

Car Batteries

If your car battery goes dead, call the company you bought it from to determine their policy. Since dead batteries can be reused to manufacture new ones, many companies will pay you to bring your it back.

Digital Cameras

Get cash for your old digital camera by sending it to Gazelle or other similar programs.

Game Consoles

Have you outgrown your game console? Even if it’s broken, you can still send it in to Buy My Tronics or similar sites for cash.

Calculators

Sure, that heavy graphing calculator got you through accounting classes in college, but it hasn’t seen the light of day since. Get money back by sending it in to You Renew or similar programs.

CDs and DVDs

Trade them in at a local music store or send them in to sites likeSecond Spin to receive cash in return.

Books

Sell your old textbooks and novels to Cash 4 Books or similar programs.

Feeling really resourceful? You can also recycle…

Copper
Salvage copper from singed electric cords, leaky pipes and other sources, and bring it to a scrap metal center for cash. Chances are, what you manage to recover is worth more than a bag full of cans and bottles.

Brass
Like copper, brass is worth more than your typical recyclables. So, turn rusty old hinges, door knobs, plumbing fittings and more into cash at your local scrap metal center.

crestonnews.com | In hard times, consumers find ways to save money online

crestonnews.com | In hard times, consumers find ways to save money online


This is a great article on Online Coupons. Both on stores websites and and printable coupons. Largely about a site called mysavings.com including mentioning that it has free samples!

Labor Day & Other BBQ Tips

I was surfing the web and came across this post by a blog by the name of The Cheapskate Blog.

Here are some of the tips they had posted on their blog:

10 Frugal Kitchen Tips to Stretch Your Dollar

@DebtDiva recently posted this link and I thought I'd share it here: 10 Frugal Kitchen Tips to Stretch Your Dollar


  1. Don't let food go bad. The most expensive food is the food you throw out. Either make just enough so that there are no leftovers, have a plan for your leftovers, or throw them in the freezer in individual portions making lunches super easy.
  2. Produce is an area where food can go bad quickly. Store it properly to help this. When purchasing fresh produce for the week, get a mixture of items that will need eaten right away (berries) and items that will last all week easily (carrots).
  3. Make your own condiments. It is cheaper and better for you to make your own chocolate syrup, maple syrup and many salad dressings. Once you buy the main ingredients in large quantities, it becomes cheaper to make these items yourself. And you will never have to run to the store when you are out.
  4. Do the math on your meals. Side dishes, drinks and desserts included. Once you figure out how much it costs to make the foods you like, you can figure out ways to cut those costs. You can also make choices based on the cost. Say you want to have a more expensive main dish like chicken cordon bleu, but don't want to ruin your whole budget for the week. Not only can you choose less expensive side dishes to accompany this meal, you can balance this expensive dinner with cheaper dinners the rest of the week.
  5. Eat produce that is in season. It is less expensive and it doesn't have to travel as far to get to you, which means it is better for the environment.
  6. Have a night or two each week that you don't eat meat. At the very least the meat should not be the main focus of the meal.
  7. Shop your pantry first before heading to the store. Figure out what you need to go with what you already have. Don't start from scratch each week.
  8. Stock up on much used items when they are on sale, then you won't have to pay full price next week, or the week after, etc. depending on how much you stockpile.
  9. Cook as much as possible from scratch. If you have the right basic ingredients at home, you can make just about anything.
  10. Stretch foods as much as possible. See the examples below.
  • If you buy a jar of pickles, once you have used the pickles, cut up a cucumber and add it to the juice left in the jar. Store in the fridge for a few days and you have a new jar of pickles for the cost of the cucumber.
  • When my dad was in town recently I bought an expensive jar of seasoned oil to go with our bread. When we used the last of the oil we noticed the bottom of the jar was still full of the seasonings. I filled it with olive oil, shook it up and we have another bottle of seasoned oil, minus the high cost.
  • Last time I made tacos, I quickly cooked up a pot of instant rice while the beef was browning. When that was all done, I mixed it together and added the taco seasoning. Everyone loved and a cup of instant rice is much cheaper than more ground beef.
  • Try to use less of something each time you use it until you notice a difference in flavor. Maybe the recipe calls for 1 teaspoon of salt, but really 3/4 teaspoon works just fine.

PricePlease - Online Shopping - Discount Tracker - We watch all the prices. You get all the savings!

PricePlease - Online Shopping - Discount Tracker - We watch all the prices. You get all the savings!


This seems like a pretty cool little site. You paste the URL of something that you want to watch the price on, and it will do so for you. So far you can only do this with 259 stores, but they are always expanding.

If you've bought something recently, it will check for you to see if they drop the price for a possible refund.

Stress Relief Tips for Summer

Stress Relief Tips for Summer

Chill Out: Summer Tips for Stress Relief

Don't go into meltdown over stress! Take a mental vacation via meditation or yoga.
By Jeanie Lerche Davis
WebMD Feature
Reviewed by Brunilda Nazario, MD

Any sort of change causes stress, even good changes -- the kids home on summer break, or having a baby. You feel the tension caused by stress in your shoulders, in your neck. You lose sleep, feel depressed, and feel tired. The long-term effects of stress are much worse: stress ups your risk for heart disease, mental distress, andweight gain. This summer, practice a few simple tips for stress relief. Enjoy regular exercise.Walking is a good way to reduce stress. Sometimes, just learning to accept what you cannot change can help ease the burden of stress. Meditation and yoga are two stress-management techniques that help train your body to relieve stress.

Meditation for Stress ReliefThe practice of meditation is ancient. But in recent years meditation has gained worldwide acceptance for its ability to produce the "relaxation response" and ease stress. When we are in this state of deep relaxation, our breathing, pulse rate, blood pressure, and metabolism decrease. By meditating on a daily basis -- even just 10 minutes once or twice daily -- it's possible to lift depression, lower blood pressure, and ease stress.

What is meditation like? You silently repeat a word, sound, or phrase while sitting with your eyes closed for 10 to 20 minutes. The sound can be "om," "one," "peace," or any other word with special meaning. Focus on the sound -- or on your breath -- and ignore intruding thoughts as best you can. You can periodically open your eyes to check a clock, but don't set an alarm. Meditation is sometimes difficult at first, but over time nearly anyone can achieve a state of relaxation. Find a meditation center or class to learn this timeless stress-reduction technique.

Yoga for Stress Relief Yoga is another ancient practice that reduces stress and tension. Yoga can lower blood pressure and levels of cortisol, a stress hormone. Through yoga practice, you also boost flexibility, strength, endurance, and balance. Don't worry about having to do pretzel positions. You don't need to stand on your head either. In a beginner's class, you will learn basic stretches or poses. There are several different styles of yoga, and you may want to try different ones to see what feels best.As you work through poses, you must focus on inhaling and exhaling -- and it's this concentration on the breath that is yoga's key to stress management. With this focus, you let go of external thoughts and anxiety.With meditation and yoga, you get a mental vacation!

Are your Eggs Fresh?



This is a great way to see if your eggs are fresh!

ReUsing 2 Liter Plastic Bottles.

Here are some great tips for Reusing those 2-liter plastic soda bottles. Saw this great video on @thriftstoreremx's site.

Tips for staying cool in hot weather!

Here are some tips for staying cool in the hot weather without AC.

Styrofoam Cups

Styrofoam cups are generally a bad idea since they aren't recyclable. But sometimes you just get one with out much of a choice. One thing that you can do with them is use them to make an insulated cup. Take a regular cup and put it inside the Styrofoam cups, and it adds a layer of insulation. While there isn't much you can do to recycle the Styrofoam, you can reuse it.


Though it's still generally better to avoid Styrofoam all together when ever possible.

Gift Basket Ideas

Here are some great ideas that I saw online: Some of them can be quite frugal depending on where you get your items.

Gift Baskets can be fun and easy once a theme is picked out. They can be a great idea if a group of people want to contribute for a shower or birthday gift.

  • Sewing Basket - Fill a sewing box or basket with needles, thread, thimble, buttons, finish by tying with a tape measure.
  • Baking Basket - Fill a Bundt pan or a candy clay basket with mixing spoons, collected recipe cards from each participant, spatula, measuring cups, and a cookie cutter. To make it even more special paint a set of pot holders or apron.
  • Pasta Basket - Fill a large colander, lined with a kitchen towel, with dried pasta, spices, sauces, a bottle of wine, and some bread sticks.
  • Children's Craft Can - Fill a white paint bucket with paints, paper, stickers, brushes, pencils, and markers. Finish by painting the child's name on the bucket and top with curling ribbon on the handles.
  • Bath Basket - Line a basket with an elegant towel, add soaps, a candle, sponges, bubble baths, bath beads, oils, and pampering spa products all in the same color family. Finish it with a large piece of tulle tied in a bow with a silk flower.
  • The Grill Master Basket - Line a basket with an apron add a cookbook, marinades, rubs, grilling tools, and potholders.
  • A Pancake Breakfast Set could include Syrups, Pancake Mix, syrup pitcher, cloth napkin as a liner, jams, and so forth.
  • Picnic Basket - In a wicket basket lined with a blanket add a bottle of wine, 2 glasses, cheeses, corkscrew, crackers, a cheese board and knife. Include a disposable camera to capture the fun times.
  • Movie Basket - To an empty popcorn tub add microwave popcorn, candy, canned sodas, videos, CD's, or tickets to the movies.
  • New Car Bucket - To a bucket add car soaps, wax, chamois cloths, sponges, key chain and special auto scent products.
  • Bon Voyage Basket - Line a basket with a crinkled map and add a travel journal, pen, small photo album, stamps, prepaid phone card, travel pillow, and simple stationery.
  • Fisherman's Basket - Inside a creel add lures, line, bobbers, bait, hooks, sinkers, and tie it all up with a tape measure.
  • Beer Basket - Fill a cooler with an assortment of beers, pretzels, favorite snacks and an opener for a big hit.
  • Get Well Basket - Fill a cherry basket with chicken noodle soup, Aspirin or Tylenol, a thermometer, current magazines, a crossword
  • puzzle book, pencil, paper back books, fresh fruit, and a Get Well Bear.
  • Tool Basket - Inside a Tool Bag add a hammer, screw driver, tape measure, pencil, level, assorted nails, screws and a 'how-to' book.
  • Computer Basket - Fill a basket with discs, CD's, a mouse pad, post it notes, paper, and paper CD sleeves.
  • Over the Hill Basket - In a black basket add Geritol, Preparation H, Magnifying Glass, and Ben Gay.
  • Gardener's Basket - Inside a large pot add seeds, gloves, hand rakes, trowels, seeds, bulbs, and a decorative item for the garden. To add a crafty touch paint the garden gloves and pot.

Beauty Expert Paula Begoun's Favorite Products - Video - Oprah.com

Beauty Expert Paula Begoun's Favorite Products - Video - Oprah.com


I'm soo not usualy an Oprah Fan, but she recently had someone on that had some great beauty tips, and what works for several price ranges. $$$ isn't always best!

Some good Tips for Saving Money

I came across a site that had 180 tips for saving money, Some of them just weren’t practical. Here are the ones that made the cut for me!

Automobile/Transportation

  • Wash and vacuum your car at home.
  • Tires, keep your tires inflated at the correct pressure. Keep them properly aligned, and Rotate your tires. This helps prolong the life of your tires.
  • Do not carry unneeded weight in your vehicle. Excess weight puts a heavier load on the engine.
  • Accelerate slowly and smoothly. Avoid jackrabbit starts. Get into high gear as quickly as possible.
  • Use your air conditioner only when absolutely necessary.
  • Avoid unnecessary stopping and braking. Maintain a steady pace.
  • Do not rest your foot on the clutch or brake pedal. This causes needless wear and poor fuel economy.

Clothing

  • Check Free Cycle for clothing!
  • Keep a wardrobe of classic pieces, so you don’t have to update your clothes every year.
  • Buy clothes at a thrift store.
  • Wear clothes more than once before washing them. You’ll reduce wear on your clothes and save energy by not washing so often.
  • Shop at outlet & discount stores.
  • Avoid buying clothes that require drying cleaning.
  • Cut dryer sheets in half to double the value of each box.
  • Buy your winter clothes at the end of winter/beginning of spring. Buy summer clothing at the end of summer/beginning of fall.

Food

  • Buy a water filter and make your own bottled water.
  • Buy bread at the bread outlet store and freeze excess loaves or even make your own.
  • Make meals that are left over friendly, like soups and casseroles.
  • Join a food co-op.
  • Make dinners in a crock pot
  • Buy in bulk.
  • If you buy soda, buy 2 liter bottles instead of cans. It’s much cheaper per unit price.
  • Have potluck dinners.
  • When you eat out, share meals. Most restaurant meals are big enough for two people.
  • If you don’t have someone to share it with, split the meal and half and put when half in a to-go box for next day’s lunch.
  • Skip the soda when you go out to eat, and drink water.
  • Cooking at home is cheaper then dinning out.
  • Take a list when you go shopping and stick to it. Impulse buying is one of the most expensive parts of shopping trips. Stores are designed to make you impulse buy!!!!
  • Buy generic brand products at the store
  • Bring your lunch to school or work instead of buying it.
  • Grow your own vegetables.
  • Use coupons and loyalty cards at grocery stores.
  • Eat cereal instead of fast food. It’s cheaper and usually healthier.
  • Have a late lunch/early dinner when going out to eat. You can save on lunch menu items.
  • Join clubs at school and take advantage of free food at meetings.
  • Don’t buy prepackaged cheese or meat. Go to the deli and have them slice it for you. You can get more for you money.
  • Collect vegetable scraps in a bag in the freezer. As soon as it’s full, make a soup out of them.
  • Save Chicken, Beef, Lamb Bones to make stock or add a little extra flavor to soups & stews.
  • Buy whole roasted chickens. When you have used all the meat, throw the bones into a soup.

Household

  • Buy furniture at a consignment store.
  • Check Free Cycle before you buy.
  • If you need a tool, see if you can borrow it from someone before you go out and buy it.
  • Don’t throw away “dead” batteries. Remove them from your radio and use them in quartz clocks. These clocks take such a small amount of power that batteries too weak to run anything else may have enough power to run a clock for a while. (if batteries are completely dead, please recycle!!)
  • Wash and reuse plastic bags.
  • Clean your own carpets. You can rent carpet cleaning machines for about $10.

Health Care

  • If you take a prescription medication on a regular basis, ask your doctor to write a three month prescription. Instead of paying three co-pays, you only pay one.
  • Go to the dentist at your local dental school. Students need people to practice on. You can get all your dental needs fulfilled at a reduced cost.
  • If your doctor gives you a prescription, ask if he has samples that he could give you. Ask if there is Generic you could take.
  • Use your local park’s playground as a workout station. Monkey bars can be used for pull-ups and leg lifts. The park will also have a trail where you can run.
  • If you go to school, use the school’s gym. It’s free.
  • Brush and floss your teeth. You’ll save on dental expenses.
  • Eat right and exercise daily. You’ll reduce health costs.
  • If you join a gym, find one that offers a month to month contract.That way if for some reason you stop going, you won’t be stuck with a 1 year contract that you have to pay for.

Beauty and Hygiene

  • Use baking soda for toothpaste.
  • Use baby shampoo or baby wipes for a makeup remover.
  • Check out reviews online before buying
  • Use makeup samples.
  • Don’t throw out small pieces of bar soap. Wet the small piece and the new bar and stick them together.
  • Simplify your beauty products. Do you really need 5 different types of body lotions?

Travel

  • Pack your travel meals in advance.
  • Buy snacks at the grocery store, not at roadside convenience stores.
  • Plan trips where you have friends and family. You might be able to score free room and board.
  • Go camping.
  • Book your flights and cruises way in advance. You can get lower prices.
  • Always negotiate hotel room prices. Hotel rooms are like highly perishable food: if they’re not used that day, they’re wasted. You can almost always get a better deal just by asking, but do it with a nice smile face-to-face when you check in, or with friendly calls direct to the hotels you’re considering. It won’t work if you just call national 800 numbers, because they can’t negotiate. If your flight is overbooked and the airline offers a voucher if you take a later flight, take it.
  • When flying, bring your own snacks. Airport food is expensive.
  • Avoid renting a car at the airport. You’ll find more competitive rates, plus avoid extra surcharges at car rental agencies away from the convenience of the airport.
  • Time your stay for best hotel deals. Plan the timing of your stay according to the type of place you visit. Hotels in cities are usually cheaper on the weekends, when business travelers aren’t staying there, but hotels in resort areas or other places that are popular with leisure travelers are often cheaper during the week
  • Tourist spots sell everything from film — to capture those special moments — to sunscreen, bottled water and aspirin for prolonging your fun, at a higher cost. Purchase these items before and save.
  • Travel after peak season. This might not be an option if you have school-age children. But families with infants and toddlers can take advantage of discounted rates by traveling in the fall.
  • Bring an empty water bottle with you to the airport. Bottled water at airports is expensive. While you can’t bring any liquids past security, you can bring an empty bottle. Put it in your carry on and fill it up as soon as you get past security.
  • Stay in hostels when traveling overseas. While you do have to share a bathroom and a room, you can stay for as little as $5.

Entertainment

  • Trade video games, DVD’s and books with your friends.
  • Have a game night with friends.
  • Attend movies at dollar theaters.
  • Take advantage of your local university. Colleges often have free entertainment events.
  • Join the library.
  • Check out DVD’s from the library, rather than renting them from the video store.
  • Go on a hike, take a walk in the park, or go to the beach. Some of the nicest things to do in life are totally free.
  • See if your local zoos, museums, entertainment parks and water parks have annual passes. Often the annual passes may not cost more than the price of a couple of visits.
  • Save money on movies by going to the matinee.
  • Watch amateur sports. High school athletic competitions are cheap and can be just as exciting as the pros.

Banking and Investing

  • Start an automatic savings plan with your bank.
  • Use your credit card to make all purchases, but pay it off each month. That you’ll earn cash back or travel points.
  • Open an online savings account. Most online accounts offer a 4% interest rate. That’s much better than the 1% you get at your current bank.
  • Avoid ATM fees. Only withdraw money from machines approved by your bank. 7-11 doesn’t have a surcharge.
  • Pay bills by direct debit. You save on postage & the cost of checks and avoid the risk of paying late fees.

Children

  • Buy gender neutral baby clothing so you can use them again with the next baby.
  • Make your kids Halloween costumes. It’s cheaper and more fun.
  • Buy your baby toys from the thrift store. .
  • Buy your baby’s and tot’s clothes from the thrift store. Your kid isn’t going to notice the difference between a thrift store onezy and a Gap onezy.

Utilities

  • Use a clothes liner to dry clothes. You’ll save on your energy bill.
  • Replace old appliances with ones that have Energy Star approval.
  • Regularly clean the coils on the back of your refrigerator. A clean coil uses less energy.
  • Make sure your freezer is full. An empty freezer requires more energy to keep cold.
  • Use washable coffee mug instead of Styrofoam. You’ll save money and help the environment.
  • Replace all your incandescent light bulbs with Energy Efficient Bulbs.
  • Turn off the lights when not using a room.
  • Turn off your appliances when not using them.
  • If you have a cell phone, get rid of your land line.
  • Sign up for Skype or Google Voice for long distant phone calls.
  • Turn your heater thermostat down 2 degrees in winter and up 2 degrees in the summer. Don’t use your AC unless you have to!

Miscellaneous

  • Get a digital camera. You save money on film & Processing, most stores have better rates for digital.
  • Buy as much as you can online. Use Coupon Codes, Compare Prices
  • Negotiate the price on big ticket items like cars, electronics, and large appliances.
  • Use cash as a negotiating tool. Nothing makes a seller’s mouth water than cold hard cash in their hand.
  • Before you buy big ticket items, ask if the item will be put on sale in the near future. Smaller things, most stores will give you the sale price if it’s with in a day of when you buy.
  • Don’t buy extended warranties. Eighty percent are never used, and they’re a major profit item for the vendor. That’s why they push you so hard to buy them!
  • Keep receipts and send in rebate slips. Very few consumers actually return rebate coupons. Which is, of course, exactly what the manufacturers are hoping for.

School

  • Check out study supplements from the library. Don’t buy them.
  • Buy used text books.
  • Take advantage of free pens and pencils at business conferences.
  • Keep track of your pens and pencils. You’ll spend less on them if you don’t lose them all the time.
  • Buy back packs that your kids can use for years. While they might think the Sponge Bob Square pants one is cool in 2nd grade, they probably won’t think it’s cool in 4th.
  • Don’t wait till the last day of a back to school sale! a lot of the items are only in stock for the summer, rain checks won’t help if they don’t get the item till next summer.

Computers

Gifts

  • Agree with family and friends to NOT buy each other Christmas presents this year or do a Christmas Grab Bag Style Christmas. (Draw Names)
  • Offer to give a service, like a night of free babysitting as a gift, instead of buying stuff.
  • Give baked goods. Everyone loves cookies!
  • Learn the art of the re-gift. If you get something that you don’t like, keep it and give it to someone else later. However be careful to keep track of who gave you what. You don’t want to give a gift back to somebody.

Tips for Shopping.

Working at a chain store, I don’t know how many times I see people think they are getting a great deal, but they aren’t.

* Search high and low. Eye-level shelving is prime selling space,
commanding "slotting" fees from manufacturers. Similar products with
lower prices may be on the bottom or top shelves.


* Compare unit prices. You might think a jumbo can of soup or beans
would be a better deal than its peewee cousin. But that's not always the
case. Check the shelf tag under the product that reveals the price per
ounce, quart, pound or unit.


* Consider convenience. Sometimes it's worth the extra dimes to purchase
a ready-to-heat entree or fresh watermelon cut into chunks. But know
that a few minutes of prep in your kitchen can keep more George
Washingtons in your wallet.


* Bag it. Sacks of potatoes, onions, oranges and apples often are
cheaper than buying by the pound. If the item has a fairly long shelf
life, grabbing a bag might be a cost-saver.


* Know prices. Just because a product is featured in a weekly sales
circular doesn't mean it's on sale. Sometimes manufacturers pay for
placement in the flier. By knowing prices, you can tell if that
highlighted item really is a bargain.


* Buy at the bakery. In-store bakeries sometimes sell baked goods at
prices lower than commercial alternatives. Compare the two.


* Check the receipt. A survey of Consumer Reports readers revealed that
6 percent have been overcharged at the register. I think it's higher,
based on my own experience. Now I scan my receipt once I get to my car
and march back into the store if I spot an error.


* Reach deep. Retailers rotate stock so the older items, such as milk,
cereal, lunch meat and packaged goods, are in the front. To get the
longest shelf life, take the freshest stuff from the back of the shelf,
refrigerator or freezer.


And, if possible, use a discount coupon when buying it.






DIY: Jazz up your basic T-shirts - 7/17/09 - San Francisco News - abc7news.com

DIY: Jazz up your basic T-shirts - 7/17/09 - San Francisco News - abc7news.com





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From Blog Files

Walmart.com - bodycology Bath and Body

Lately one of my ways of being frugal is to Get free samples. I have only just started, but I know a few ladies who get quite a bit. Walmart seems to be a good source for free samples. While I'm not a huge fan of Walmart and some of their practices. I don't have a problem with them spending money to send me free items.

You get your choice of two scents: Cherry Blossom or Raspberries & cream. Click below to get the free sample:
Walmart.com - bodycology Bath and Body

Free Memory Card

I was recently browsing my email and came across this, Fill out their form on the site and you get a free 1 Gig SD card. While 1 GIG isn’t huge these days, it’s good for a back up disk. Click here for your Free Kingston 1Gig SD card. I should be getting mine in 6-8 weeks.

A Frugal Tip for Beauty Care!

Want to get your hair cut, or eyebrows waxed or a facial? Don’t have tons of cash. Check out Your local Beauty (Cosmetology) School.

Here in Chicago, I know you can get some really great services from the Aveda Institute. Hair Cuts start at about $14 dollars,

Frugal In Chicago Voicemail!

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Guess what! Frugal in Chicago now has voicemail that you can call for free!  Yes, that’s right for Free! Have a tip or a question, or just a comment, Just click on the button on the side that says “Call Me” (US only, no Alaska or Hawaii) This service is brought to you by Google Voice.  Just enter your phone number, and Google Voice will connect you to my voice mail by calling your phone, free of charge. (If you have it call a cell phone, you’ll get charged per your minute usage per your contract.)

I wish Google had this service when I was dating someone in Japan. The rates they charge for calling Japan are only .02 per minutes. Which is way cheaper then most of the calling cards I was getting then.

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Free Box of Lipton Tea.

Call 1-888-435-3639 and follow the automated instructions to receive a coupon for a free box of Lipton tea. One coupon per household.
Real easy. should receive coupon for free box within 6-8 weeks

Did this myself, we’ll see how well it comes out. I nearly passed it up since we have a ton of tea already, but we do go through quite a bit of tea for ice tea.

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Just a reminder for your pets

This summer is shaping up to start to be a warm one here in Chicago, IL. In an attempt to save money in my household, we aren’t using the AC as much. One important thing to remember when you have pets and you are doing something like this, most of the warm blooded pets have fur. Putting Ice in their water dish is a great way for them to cool off. Which is easy if you have a dog or a cat. Not so much if you have a bunny who drinks out of a bottle. Thankfully,  my mother has ice cube trays that are long narrow shapes, for putting in bottles. Some parts were a little thick, I just ran some cold water over them when they got stuck, and now I have a very happy bunny.

Homemade Oatmeal Bath Powder

You'll need a blender, food processor or coffee grinder and 1 cup of oatmeal. You can use instant oatmeal (unflavored), quick oats or slow cooking oats- all work equally as well. For babies, you'll only need about 1/3 cup per bath.

Blend or process the oats on the highest setting until you have a very fine, consistent powder. To test the colloid property of the oats, stir 1 tablespoon oats into a glass of warm water. If the oats readily absorb the water and give it a milky look and a silky feel, you've blended long enough.

Giving the bath:

Sprinkle the oats into a tub of running water and stir the water with your hand several times to ensure even distribution. Feel along the bottom of the tub for clumps and break up any you find.

Take care assisting your child into the tub as the oats will make the tub even more slippery than usual. Allow your child to soak in the tub for 15-20 minutes and pat dry with a soft towel rather than rubbing.

You can use this bath once or twice a day or more frequently as your doctor advises.

Common uses for Oatmeal Baths:
  • Chicken pox
  • Poison Ivy, Oak and Sumac
  • Dry skin
  • Insect bites
  • Eczema
  • Diaper rash
  • Windburn
  • Sunburn
  • Shingles

Home Treatment Ideas for Sunburns

Though sunblock with both UVA and UVB prior to going out in the sun is always the best idea, sometimes you either forget, or it can wear off before you realize that you need to re-appy. Here are some tips for Home treatments that may provide some relief from a mild sunburn.



· Use cool cloths on sunburned areas.


· Take frequent cool showers or baths.


· Apply soothing lotions that contain aloe vera to sunburned areas.


· Topical steroids (such as 1% hydrocortisone cream) may also help with sunburn pain and swelling. Note: Do not use the cream on children younger than age 2 unless your doctor tells you to.



A sunburn can cause a mild fever and a headache. Lie down in a cool, quiet room to relieve the headache. A headache may be caused by dehydration, so drinking fluids may help. There is little you can do to stop skin from peeling after a sunburn-it is part of the healing process. Lotion may help relieve the itching. An oatmeal bath will also help with the itching when you start pealing.

Cleaning Your Sponge/Dish Towel


One great way to prolong your dishtowels and Sponges is to microwave them between uses. It kills off the mold and other bacteria that grow on them. Simply wet, and put in your microwave for 2 minutes.

WebMD great aticle on this topic.

http://www.webmd.com/news/20070124/microwave-kills-germs-sponges

Recipe Blog

I've recently started a recipe blog as well, so I don't end up spamming this one with recipes. You can check the new one out at http://beckysrecipeblog.blogspot.com/ and hopefully follow that one as well. Though I will probably post shorter links to any great Frugal recipes.

Summer Savings: Save on charcoal

Lump charcoal, which is made from hard wood burned in high heat and low oxygen until only pure charcoal remains. Lump charcoal lights faster, burns hotter, and leaves very little ash compared to briquettes.

However briquettes (which are compressed wood by-products) burn longer, are easier to maintain a consistent temperature and most importantly are almost always a lot cheaper!

Chicken Schnitzel


Click here for more Photos!
One of my favorite ways to make chicken stretch is to make Chicken Schnitzel. As my mother wants me to teach her how I make mine tonight, I figured I would post my Recipe, so here it is! (The Recipe is for 6-8 servings)

What you need for the Meal:
3-4 Chicken Breasts, Cleaned and cut butterfly style, and then cut to make two thing breasts each. (Can also use Chicken Thighs.)
2 Eggs (mix the eggs together, as if you were making scrambled eggs, can thin with either milk or water. I prefer water)
1/2 cup of flour
1-2 cups of bread crumbs
2-4 teaspoons of olive oil (regular oil can be used as well.)

Preparing the Chicken:
Lay the chicken on a cutting board and cover losely with plastic wrap (I usually just lay it over the chicken). Take a meat pounder and pound out the chicken as thin as you can. (1/8 to 1/4th of an inch thick). I usually let the chicken rest a few minutes while I prepare the eggs, flour, and bread crumbs into different bowls used for the breading process.

The Breading Process: (Easiest to do with your fingers, though it can be a bit messy.) First I coat the chicken with the flour, making sure to get rub it into all the little tiny cracks that might have appeared in the slicing & pounding stages, I do this with all the breast, then I dip it in the eggs, making sure it's fully coated. Then I take the chicken breast and do the same with the bread crumbs, making sure to push in as much extra bread crumbs as I can to get a really full coating.

Cooking! I heat my frying pan up before putting anything in it, I pour the oil in and then put the chicken in right away. Fry on each side for about 4-5 minutes depending on how thin you manage to pound down the chicken. Turning only once. The less you turn, the better your breading sticks.

After both sides are cooked, remove from the pan, and set on paper towel to drain any excess oil and grease off. Serve with Apple Sauce or a Chicken Gravy.

A bit of a Vanity Post...


Last night I got the cutest picture of my little baby and I didn't get thumped at! But here he was finishing off his nightly salad.

How to Understand Food Experation Dates at the Store

http://www.hulu.com/watch/71574/howcast-how-to-understand-food-expiration-dates-at-the-grocery-store



I've seen multiple stories like this lately. It had a few good tips and things I didn't know. Very much worth Checking out!

Extra Hair Shine Treatment

I saw this come across my email, and thought it was a great way to save a little cash! Hair Treatments can be super expensive these days. Here is a great way to get some shine back into your hair.

What You Need:

2 tea bags (chamomile, a golden mix for blondes; rooibos, a rich orange for redheads; or black tea, dark for brunettes)

2 cups water

1. Once a week -- or whenever you feel you could use a shine boost -- steep tea bags in boiling water for 10 minutes. Let the liquid cool to room temperature. (In a rush? Refrigerate it.)
2. Pour the mixture over wet, just-washed hair, rubbing it through the way you would shampoo.
3. Leave the rinse on for 10 minutes; wash and condition to seal in the silky, glossy results.

Beauty Benefit "Tea lowers the pH of hair, closing the cuticle for extra shine, softness, and manageability," Tea's natural pigments can also neutralize brassiness for more flattering color.

Beef Recalls

Was watching CNN, and saw this, they say it's real hard to tell which beef it actually is, since it's been repackaged. But if you bought ground beef around 4/21 you might want to becareful when you cook it. (guides for cooking and news story about it below)

PREPARING GROUND BEEF FOR SAFE CONSUMPTION

USDA Meat and Poultry Hotline
1-888-MPHOTLINE or visit
www.fsis.usda.gov

Wash hands with soap and warm water for at least 20 seconds before and after handling raw meat and poultry. Wash cutting boards, dishes and utensils with hot soapy water. Immediately clean spills.

Keep raw meat, fish and poultry away from other food that will not be cooked. Use separate cutting boards for raw meat, poultry and egg products and cooked foods.

Consumers should only eat ground beef or ground beef patties that have been cooked to a safe internal temperature of 160° F.

Color is NOT a reliable indicator that ground beef or ground beef patties have been cooked to a temperature high enough to kill harmful bacteria such as E. coli

The only way to be sure ground beef is cooked to a high enough temperature to kill harmful bacteria is to use a thermometer to measure the internal temperature.

Refrigerate raw meat and poultry within two hours after purchase or one hour if temperatures exceed 90° F. Refrigerate cooked meat and poultry within two hours after cooking.


http://www.google.com/hostednews/ap/article/ALeqM5iMC6NXcYwx69vXhgNTnA9JVceahQD993PTQ03

JBS Swift Beef Co. expands beef recall
1 day ago
GREELEY, Colo. (AP) — JBS Swift Beef Co. of Greeley, Colo., is voluntarily expanding its beef recall to include about 380,000 pounds of products because of possible E. coli contamination.
A recall earlier this week involved about 41,000 pounds of products.
The U.S. Department of Agriculture said Sunday that all the beef products were produced April 21 and are in boxes bearing "EST. 969," a package date of "042109" and a time stamp ranging from "0618" to "1130."
The USDA says an investigation by its Food Safety and Inspection Service of 24 illnesses in multiple states prompted the company to re-examine its food safety system. The department says 18 of the illnesses appear to have the same cause, and the company is conducting the recall "out of an abundance of caution."


http://www.fsis.usda.gov/News_&_Events/Recall_022_2009_Release/index.asp

Illinois Firm Recalls Ground Beef Products Due To Possible E. coli O157:H7 Contamination

Recall Release CLASS I RECALL
FSIS-RC-022-2009 HEALTH RISK: HIGH

Congressional and Public Affairs
(202) 720-9113
Bryn Burkard

WASHINGTON, May 21, 2009 - Valley Meats LLC, a Coal Valley, Ill., establishment is recalling approximately 95,898 pounds of ground beef products that may be contaminated with E. coli O157:H7, the U.S. Department of Agriculture's Food Safety and Inspection Service (FSIS) announced today.

The products subject to recall include:
http://www.fsis.usda.gov/images_recalls/022_2009.pdf

Additionally, each product bears the establishment number "EST. 5712" inside the USDA mark of inspection. The (2-1), (3-1), (4-1), (5-1) and (6-1) markings refer to the number of portions per one-pound.

These ground beef products were produced on March 10, 2009, and were distributed to various consignees nationwide.

The problem was discovered through an epidemiological investigation of illnesses. On May 13, 2009, FSIS was informed by the Ohio Department of Health of a cluster of E. coli O157:H7 infections. Illnesses have been reported in Ohio, Pennsylvania, and Illinois. Individuals concerned about an illness should contact a physician.

E. coli O157:H7 is a potentially deadly bacterium that can cause bloody diarrhea, dehydration, and in the most severe cases, kidney failure. The very young, seniors and persons with weak immune systems are the most susceptible to foodborne illness.

Media and consumers questions regarding the recall should be directed to the company spokesperson at (309) 799-7341.

Free Cooking Booklet For Using Stocks.

Cooking with A stock (Brooth) can add so much flavor to a meal. I stumbled accross this link and am looking forward to checking it out!

Free "Cooking with Stock, 6th Edition" Its a full color booklet with over 50 recipes.
http://www.kitchenbasics.net/recipebooklet.htm