IT ON THE RADIO
by Daniel Britt
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| 2006 Archives
| 2005 Archives
Heads Brussels Sprouts recipe from Food Network that was
mentioned in the David Phelps interview: CLICK
Saving Monday: Christmastime Savings on Christmas Cards:
Send postcards or letters, instead of Christmas cards.
In fact, you could even recycle last year's cards by cutting
them in half and using it as a postcard. If you send postcards,
whether purchased or homemade, remember they require less
postage than a regular card! Christmas cards always go
on sale better in December; this is one time when the
early birds do not get the best deals. (of course you
can also check just after Christmas too).
Saving Monday: Financial lessons kids can take to the
bank Once children pass the age of putting money in their
mouths, it's time to teach them how to manage it. The
problem is many kids don't understand the value of a dollar.
"When I tell my son, 'I don't have any money,' one father's
response is, 'Well, just go take your card and go to the
machine and get some cash out dad'. They think that there's
an endless supply and you just go get it out of the machine."
Plus, as soon as most children get money, they spend it
on things like video games, junk food and toys. Those
kinds of habit are what prompted Indiana State Treasurer
Tim Berry to take a trip around the state and teach students
the ABC's of money management. He recommends making a
financial plan with children saving through the rule of
thirds. "Saving a third long-term, saving a third for
short to medium term, something they really want that
they can put that saving goal with, and then spending
a third on their needs today." For young children, Berry
suggests getting books that teach saving in a fun way.
Also, have them put loose change in a piggy bank. Then,
when they get older, start an allowance. It then becomes
money they earn, not just receive. Since children's views
on money are patterned after their parents, teach by example.
"They see something and say, 'I got to have it now', but
five minutes later maybe they don't really need it. If
we're not making those instinct purchases, they won't
be enticed to do the same." Finally, start a savings account
for your child. Have them track the deposits and interest,
so they know exactly how much they're making. Then set
a savings goal, like money towards college. Children won't
become savers overnight but experts say by starting young,
and practicing good habits, they'll make good financial
decisions when they grow up.
Saving Monday: What's the price of a mistake? A new study
suggests mistakes in credit reports are happening more
often than you might think According to a new report by
a consumer watchdog group, mistakes on consumer credit
reports could be costing one in four people their good
financial name. "Their reports can mix up with a total
stranger, or mix up the accounts that you've actually
paid or they could claim that you've got late payments
that you don't really have or that you've got bankruptcies
that are someone else's," says Ed Mierzwinski with the
U.S. Public Information Research Group. The U.S. Public
Interest Research Group surveyed 200 consumers and had
them review their credit reports. Eight in ten had mistakes,
but not always bad enough to damage consumer credit. "As
consumers the most valuable thing we have is our good
name. Hardworking, bill-paying Americans shouldn't be
falsely listed as deadbeats by these powerful credit bureaus,"
says Mierzwinski. The credit bureaus say they don't want
consumers listed that way either and have policies and
procedures in place to protect consumers. Stuart Pratt
with the Consumer Data Industry Association says, "We
know there are not 25% of the credit reports out there
that have errors that cause us to lose jobs or cause a
decline for a loan. No, we can set aside a report that
makes those allegations. We know we are taking the right
steps today to ensure that date is accurate." Consumers
can take steps as well by checking credit reports from
all three credit-reporting agencies. Under federal law,
it's your right because it's your name. Reporting any
mistakes on your credit report is the key to keeping your
credit record clean. It could affect home buying, car
buying, and loan application, basically your financial
Money Saving Monday: Making your home look like a million
dollars>> Adding rugs, changing lampshades and moving
furniture can all update the look of a room. Many people
want their home to look like a million bucks, but what
happens when you don't have a million to spend? Redecorating
can cost a bundle, but there are many ways to have a beautiful
home without breaking the bank. Adding area rugs, changing
lampshades and moving furniture can all help update the
look of a room. “One of the first things people can do
is really re-accessorize. You get used to something sitting
in the same place so to gather everything and reposition
it is one way to make it new. It can create a totally
different look,” said one interior designer. Family snapshots,
paintings and fresh flowers are also inexpensive but attractive
ways to decorate. Plus, painting or adding wall covering
can help to liven up a room. “Another inexpensive way
to add texture is with wall covering. Wall covering was
out of favor at one point and now seems to be back in
favor.” Along with being attractive, designers say it's
also important for homes to be comfortable. “People are
looking for a lot more creature comforts. It's more important
to have a comfortable home then it is to have this beautiful
stately home that nobody uses." Decorators suggest the
best way to save money is to plan out how you want your
room to look. They say shop around to find the best deals,
and talk to a decorator who can help you get the most
for your money.
Money Saving Monday: Start early! Even teaching your kids
to keep their pennies in a bank can have a life long impact.
Once children pass the age of putting money in their mouths,
it's time to teach them how to manage it. The problem
is many kids don't understand the value of a dollar. Indiana
State Treasurer Tim Berry says, "When I tell my son, ‘I
don't have any money,’ his response is, ‘Well, just go
take your card and go to the machine and get some cash
out dad’. They think that there's an endless supply and
you just go get it out of the machine." Plus, as soon
as most children get money, they spend it on things like
video games, junk food and toys. There’s a recommended
financial plan that should be done with children saving
through the rule of thirds. "Saving a third long-term,
saving a third for short to medium term, something they
really want that they can put that saving goal with, and
then spending a third on their needs today." For young
children, Berry suggests getting books that teach saving
in a fun way. Also, have them put loose change in a piggy
bank. Then, when they get older, start an allowance. It
then becomes money they earn, not just receive. Finally,
start a savings account for your child. Have them track
the deposits and interest, so they know exactly how much
they're making. Then set a savings goal, like money towards
college. Children won't become savers overnight but experts
say by starting young, and practicing good habits, they'll
make good financial decisions when they grow up. Crown
Financial Ministries has resources available for children
Saving Monday: If you're looking for a good bargain, there's
a way to buy new items for a less-than-new price. More
and more savvy consumers are snapping up "refurbished"
products. There is an account of someone who bought a
gently used X-Box for a $50 discount. He also has a TV
that was sort of new. The technical term for both items
is: "refurbished." Those who get the discounts say buying
refurbished items works for them. Jean Chatzky of Money
magazine says if handled correctly, refurbished items
shouldn't have problems. “It can be a great buy for consumers.
It can save anywhere from 10-50% on merchandise that's
been refurbished, depending on what it is, and how lightly
it was used. EB Games sells refurbished game systems.
That can mean the item had minor repairs, has been factory
tested and is still operable. You can also save by buying
"open box" items. These products may simply have been
opened, never used, and returned, but can't be sold as
"new." Chatzky says before being lured by the price, consumers
need to check out what kind of warranty comes with a refurbished
product. “You have to make sure that you buy it in such
a way and the transaction is done in such a way that there's
some consumer protection standing behind you,” she says.
The typical refurbished or open box warranty is half as
long as a warranty on new merchandise but some companies
offer more. While there's no government-regulated definition
of "refurbished", those items cannot be sold as new and
most times will come in plain white or brown boxes, that
are clearly marked. One item experts say is not worth
buying "re-conditioned" is a cell phone. Most companies
offer free cell phones when you sign up for a plan, or
at least have some kind of promotion for the latest technology.
Saving Monday: Grocery Savings>> I buy all of my veggies
and fruits from a local veggie stand. They seem to be
cheaper and it always has so much more flavor than the
things I buy from the supermarket. I also think it is
fresher too. Spray N Wash Alternative>> I use dish soap
(as a Spray N Wash alternative). I just put a tad bit
on and rub it in and let it sit for a little while and
then throw it in the wash. It works great! But don't use
too much soap or you will have a hard time getting it
out of the washer.
Saving Monday: Your tires can be a money-saver…There's
big money to save on tires also, believe it or not, off
brands are made by the big guys. One expert says, "Most
of the off-brand tires that you've never heard of are
manufactured by a major manufacturer such as Goodyear.
So as far as the quality is concerned, you know the quality
is just as good, but people have not heard of the off-brand
tire." Tires are rated by the government for tread-wear,
traction and temperature. It's the rating, not the brand
that tells you how good a tire is. For example a Uniroyal
tire with a government tread-wear rating of 500, costs
$79.00 and off-brand Cordavan tire with a higher tread-wear
rating costs $49.00. In this case, a set of four higher-rated
off-brand tires would actually cost you $120.00 less than
a set of four brand name tires. On fuel…If you like to
use mid-grade fuel, don't take it out of the mid-grade
tank. Use half a tank of premium and half of regular.
You'll get a higher octane than mid-grade at a lesser
Saving Monday: Save money by changing your oil There are
big savings to be had in oil changes as well. A new car
dealership can charge $30.00 to $75.00 for an oil change.
Various quick lube operations get about $35.00. Instead
try going to a tire store, where, as a loss leader, an
oil change could cost you as little as $12.95, but be
careful not to do other things you don't need. An ASI
certified mechanic said, "Transmission fluid doesn't need
to be changed every time, rear differentials fluid doesn't
need to be changed every time and coolant doesn't need
to be changed every time." Changing these fluids too often
will not hurt your car, but it will hurt your wallet.
Saving Monday: Saving money on car care The price of gas
has skyrocketed and because of it your checkbook may be
taking a hit. However, when it comes to prices at the
pump, and your car in general, there are some ways to
keep your checking account from running on empty. Forget
why the price of gasoline is so high there's not much
you can do about it, but there is still room to save if
you know the difference between octane fact and fiction.
No name gas is as good as name brand gas. It's the same
gas. The price difference between branded gas and off-brand
gas can be huge, as much as 20-cents a gallon. Now that
that cat's out of the bag, here's another tip. Unless
you drive one of the very few makes of cars that require
premium fuel, don't buy it. "It's not necessary unless
your car specifically calls for it," In fact if your car
doesn't need it, it's like throwing away 20 to 25-cents
Saving Monday… household hints… Cleaning Lint Trap I have
no idea how many people have this problem, but even though
I would clean my lint trap out, the clothes would take
FORVER to dry! Well, I pull the lint trap out, washed
it with a toothbrush and dish soap, to clean and clear
the holes out and now I don't have any more problems!
My clothes get dry faster PLUS it is saving on our electric
Saving Monday: Easy Natural Cleaner I use this for everything!
It works great for floors, cupboards and walls. If you
add some salt to it, its a great bathtub cleaner! Spray
bottle fill with 1/2 water and 1/2 vinegar and add a few
drops of tea tree oil To clean the bathtub I spray it
on the tub and then sprinkle the salt on and just scrub
away. IT gets everything off. It works well for rusty
water and it leaves the house smelling awesome. -- Kimberley
Saving Monday: Buying a New Vehicle When buying a new
vehicle, use the internet web sites www.kbb.com and www.edmunds.com
to find out the MSRP and invoice price of the vehicle.
The websites will let you compare vehicles and even give
you rebate information. You can also requests quotes on-line
and use them to get a lower price on the vehicle at your
local dealership. (When requesting on-line quotes, use
your husband's/man's name as dealerships tend to give
better pricing to men!!! Just request to contacted by
email only.) I just bought a Nissan Altima with all the
options/color I wanted for $2500 under invoice with no
face-to-face haggling! What a great deal! -- Brenda, 38
Money Saving Monday: Soap Dispensers Buy inexpensive
bubble bath and use it to fill your bathroom soap dispensers.
The bubble bath often comes in great scents and you
get four times as much soap for your hard earned money.
-- Alexandria, 37
Keepers Looking for the perfect snack cups? My boys
love to eat cereal, snacks, even ice cream and yogurt
out of single serve fruit, applesauce and jello cups.
After eating their applesauce, jello or fruit, I stick
the cups in the dishwasher and we use them over and
over. Perfect for young kids and small portions. They're
also great for paint and art projects.-- Tara, 33
Saving Monday: Leftovers Don't throw away those ends
of a loaf of bread! Instead freeze them to make croutons
and stuffing. For croutons: Cut bread into squares and
toss with some Italian dressing, then bake (350) till
crispy and you have great tasting croutons. -- Christy,
Buying I totally agree with the tip about arming yourself
with info before shopping for a new car and I would
like to add that you should check the value of your
trade in at bluebook.com as well. I went in the dealership
with a toddler in tow and walked out with a deal that
you would not beleive! I had the info behind me and
and kept saying, "that is just not my price." I stood
my ground and was more than prepared to walk away. It
took saying it MULTIPLE TIMES so GET UP AND WALK TOWARD
THE DOOR! -- Lisa, 40
Saving Monday: Meat Shopping My favorite is deal is
on buying meat. I go to the grocery store early in the
morning and go directly to the meat department. I look
for the reduced meats. They may have the sell-by date
the day you are there, but they're not outdated. I buy
what I need and put it in the freezer. I save from $1.00
up to $5.00. -- Brenda, 56.
Sometimes we buy a sheet of stickers because there are
1 or 2 on it that we want. So, when getting together
with other scrapbookers, bring stickers you don't want
and have a sticker swap meet. It saves you money and
having to hang on to stickers you may never use. --
Saving Monday: Dryer Sheet Replacement I started using
1/2 cup to a cup of white vinegar in the rinse cycle.
It cuts the residue of the soap and is a deodorizer. It
will make 'em soft and smell clean. The vinegar smell
goes away when they dry, there is no odor. It's also color
safe. It also works well if you are allergic to traditional
fabric softener products.
Saving Monday: One thing we've started to do to save
money on restaurant food: take out. We call in the order
and my husband will go pick it up. We don't spend money
on drinks, tips or dessert. A meal in the restaurant
that averages $30 could be as low as $18 when picked
up and eaten at home. --
eating fast food I have been known to order a kids meal
for myself. It's big enough to satisfy me. Have you
seen the Taco Bell kids meal? It's too much for a kid:
2 soft tacos, cinnamon twist, a drink, and nachos and
Saving Monday: Cheap Road Trip Ideas Think about taking
your crockpot packed full of a couple of menus you plan
ahead for use in the hotel. For the lunches just start
them before you go to bed on low. My husband did this
on his last business trip. It worked really well since
he could do about anything he wanted during the day
and still come home to a full meal already cooked.
Meals About the cheapest meal that I know of is Fideo.
It's kind of a Mexican spaghetti. A package in the hispanic
section costs 47 cents. Fry it for a minute or so in
oil or crisco, then add one 8 ounce can of tomato sauce
- 25 cents- and 2 cans water. Let it boil about 7 minutes,
and it's done. Kids love it! Cheese on top is good,
but it isn't necessary if you can't afford it. This
also goes well with pinto beans. You can cook them in
the crock pot all day and then mash them and you have
a great protein for about 50 cents.
Saving Monday: Broken Crayons Preheat your oven to 275
degrees. Gather your broken crayons and peel the paper
off of them. Break any large crayon pieces so none are
longer than an inch long. Line the cups of a muffin
tin with aluminum foil or baking cups. Place crayon
pieces in each cup of the muffin tin. You may use only
one color per cup or combine colors. Place the muffin
tin in the oven and bake it for approximately 10 minutes.
Remove the tin from the oven and allow it to cool completely.
Take each cup out and remove the paper or foil from
your new crayons.
Weed Killer In a tall spray bottle put the following:
Vinegar (full-strength) Salt (about 1 tsp) Dish soap
(just a few drops) This really works! But use caution
- it will kill plants, flowers, etc.
Saving Monday: Cheaper Popcorn My neighbor said that they
now buy the bags of popcorn kernels and pop it themselves
on the stove. I did this and bought it from Cub for 2/$3.00.
It only takes 3 Tbls. of oil and 1/3 cup of kernels in
the pot. That's hardly anything from the bag, and it popped
a huge pot of popcorn! It tasted great and the kids loved
it too! -- This is how I make my own microwave popcorn
from those kernel bags. Take one small brown paper bag
dump in approx. 1/3 cup of kernels, fold the end over
a couple of times and pop in microwave on the popcorn
Saving Monday: Kids Art The greatest way I have found
to keep up with all of my son's art projects is to keep
them in old pizza boxes. I take the ones that stayed clean,
spray paint or contact paper them, and they are great
for keeping art projects without crushing or bending them.
They are a great space-saving way too, you can stack them
high without crushing or turn them on end like books.
You can also write dates or ages on the side. -- Melany,
45 It Worked for Me: Teething I used to squeeze water
into my son's pacifier and put it in the freezer until
it was nearly frozen. When he was cutting his front teeth
it would calm him right down if they were bugging him,
and he loved it. I would rotate them out so I always had
a fresh one for him. NOTE: Never freeze them solid though
because it can damage the rubber or silicone if it gets
Money Saving Monday: Fabric Softener Instead of buying
a new bottle of liquid fabric softener all the time, use
this great tip. Take an old towel that is ready for the
rag pile and cut the usable parts into the size of a fabric
softener sheet. Take 2 or 3 of the "sheets" and put them
in a bowl and cover with liquid fabric softener and let
sit for about a half an hour. Take the "sheets" out and
squeeze all the fabric softener out and put back in the
bottle. Hang the "sheets" over your over door or wherever
you dry things and let dry completely. One "sheet" will
do at least 20 loads of clothes. This "sheet" does not
leave spots on sweatshirts, etc. It works great and you
only need to buy a bottle of fabric softener once every
3-4 years. Talk about saving money. It's awesome. -- Connie,
Saving Monday: Cleaning Rather than buying the more
expensive Windex glass cleaner, just buy a spray bottle
(or use an empty Windex one) and a bottle of white vinegar.
Mix ¼ cup vinegar with 1 cup water and get cleaning.
This solutions works just as great as Windex at just
a fraction of the cost. -- Michelle, 30
Toys My sister and I like to swap toys to save money
on buying the new expensive toys. Our kids are similar
in age and get tired of playing with the same toys so
it's like getting a new toy! We swap for a couple of
months and then trade for something else. It also works
for DVDs. -- Stephanie, 31
Saving Monday: Don't Throw it Away This may sound silly,
but works great. Instead of throwing away pantyhose
after wearing them only a few times. Cut them into bands.
They are stretchy, washable and very practical. I use
them to tie my hair, secure shoeboxes, making cabinets
inaccessible by banding knobs together, hang small toys
from stroller, etc. Use they same way you would use
rubber bands but soo much better! -- Linda, 44
I buy the small Easter buckets from the $1 spot at Target
(the little metal bright colored ones) and use them
for crayons, markers, scissors and other art supplies
for my 3 year old. We wait until just after the season
and can usually get them on sale at 4 for $1. We also
used the little buckets for hair ribbons, pony tail
holders and barrettes. We also buy extra buckets to
fill with inexpensive or clearanced art supplies and
give as gifts. -- Julie, 38
Britt - 4/24/06 Did you ever stop to ask what a yoke is
really for? Is it to be a burden to the animal which wears
it? It is just the opposite: it is to make its burden
light. Attached to the oxen in any other way than by a
yoke, the plow would be intolerable; worked by means of
a yoke, it is light. A yoke is not an instrument of torture;
it is an instrument of mercy. It is not a malicious contrivance
for making work hard; it is a gentle device to make hard
labor light. [Christ] knew the difference between a smooth
yoke and a rough one, a bad fit and a good one... The
rough yoke galled, and the burden was heavy; the smooth
yoke caused no pain, and the load was lightly drawn. The
badly fitted harness was a misery; the well fitted collar
was "easy". And what was the "burden"? It was not some
special burden laid upon the Christian, some unique infliction
that they alone must bear. It was what all men bear: it
was simply life, human life itself, the general burden
of life which all must carry with them from the cradle
to the grave. Christ saw that men took life painfully.
To some it was a weariness, to others failure, to many
a tragedy, to all a struggle and a pain. How to carry
this burden of life had been the whole world's problem.
And here is Christ's solution: "Carry it as I do. Take
life as I take it. Look at it from my point of view. Interpret
it upon my principles. Take my yoke and learn of me, and
you will find it easy. For my yoke is easy, sits right
upon the shoulders, and therefore my burden is light."
... Henry Drummond (1851-1897), Pax Vobiscum
Saving Monday: Homemade Room Deodorizer Combine: 1 C.
vinegar, 1 tsp. cinnamon, 1 tsp. ground cloves and 1 tsp.
allspice. Combine all ingredients in a microwave-safe
dish and heat until almost boiling. Set out in the room,
& soon the room will be odor-free. This will reduce both
food and cigarette smoke odors.
Saving Monday: Outlet Stores If shopping at Outlet Malls
makes you feel better about spending money, beware! Recently,
Consumer Reports conducted an undercover operation at
hundreds of outlet stores across the country. They found
that only one third of shoppers buy things at a bargain.
Only a third! Consumer Reports recommends hitting the
outlets around opening time in the mornings, shopping
mid-week instead of on weekends or go at dinnertime to
find the best deals on "irregulars."
Saving Monday: Diaper Rash Scorched flour works better
than baby powder on a baby's bottom when they have diaper
rash. Put a layer of flour on a baking pan and put it
in the oven on broil. Stir it every now and again and
it is done when it turns brown. It really stinks, so
beware -- but it does work. This has been passed down
for many years.
at Home A friend of mine just told me how to make lattes
at home. Steam your milk in the microwave, buy some
coffee flavoring (I bought vanilla for 3.50 at the store)
and make really strong coffee (almost like mud, for
an expresso shot). With all of these together I think
I can make about 50 cups of latte for under $10.
SPRING CLEANING TIP Stop yellowing of white appliances.
Mix 1/2 cup bleach, 1/4 cup baking soda and 4 cups of
warm water. Apply with a sponge and let set for 10 minutes.
Rinse and dry thoroughly.
Money Saving Monday: Envelopes Have you ever accidentally
sealed an envelope and then think of something you need
to add to it? Put the envelope in the freezer for a
few hours, then slide a knife under the flap. The envelope
can then be resealed. -- Tonia, 32
Parties I recently learned of some great birthday gift
ideas for parents concerned about their kids having
too many toys. A couple of ideas are movie tickets,
tickets to special events like Disney on Ice, or vouchers
for free lessons (art or piano classes). My absolute
favorite (and fairly frugal) idea was taping Chuck E.
Cheese tokens inside a birthday card. It doesn't take
up a lot of space and kids love it. -- Stephanie, 31
From BreakPoint with Charles Colson>> In one aisle, the
local computer store sells a single CD for between $99
and $299. In the next aisle, they carry multi-pack CDs
for less than a dollar per disc. Why the drastic price
discrepancy? They're both made of the same plastic. The
difference is, of course, that the cheap compact discs
are blank -- while the expensive ones are encoded with
various versions of Microsoft's Windows XP operating system.
The analogy for explaining the difference is the chemist
who calculated the value of the chemicals in his body.
Computing the cost of the carbon, iron, calcium, and the
other elemental chemicals on the periodic table of the
elements -- he found his body was worth ninety-seven cents.
But that's not the way the chemicals appear in living
bodies. When he calculated the value of the hemoglobin,
insulin, and other complex organic compounds that actually
composed his body, he realized he was worth more than
$6 million! That's what the body's programming does. It's
information technology from the DNA, which is why many
scientists are now talking about Intelligent Design of
Cooking: Amish Macaroni & Cheese
(16 ounces) container cottage cheese (I use low fat)
16 ounces uncooked elbow macaroni
16 ounces water
16 ounces shredded cheddar cheese
Cottage Cheese in 9 x 13 cake pan. Add Macaroni. Add
Water. Add shredded cheese. Stir together. Place in
preheated 300* oven. Take out after 30 minutes and stir.
Place back into oven for 30 more minutes (make sure
you check it every few minutes after another 20 minutes
because you do not want to overbake it or it will dry
Saving Monday: Drying Clothes>> I can tell you there
is a huge difference in my electric bill since my dryer
went out and I have HAD to hang everything to dry. There
is a nearly $35 decrease in my bill since not using
the dryer! When I do get it fixed, I will probably still
hang most things and then just run them through on a
low cycle to remove lint and pet hair! …
Pads>> When your mattress pad gets worn out and
the edges start tearing off, cut them apart and make
smaller pads for cribs, pack and plays, or twin beds.
Cut them to size of the bed and stitch around the edge.
Works wonderfully Or, use as quilt batting.
Saving Monday: Curtain Liner Recycling Save those old
shower curtain liners! They make good covers for your
table when your kids are doing crafts. Use it under your
picnic blanket, or toss in in your trunk for sitting on
wet bleachers, etc. (cut it down as needed). They also
make nice drop cloths for when your painting or staining
Saving Monday: Tired of those stinky diaper pails? Use
your avid hunter's descent spray after cleaning diaper
pail with your favorite cleaner and water and the smell
disappears! This has saved me from replacing it several
times now. -- Cindy, age 36
Hand Soap I had one of those foam soap bottles that
ran out. I just refill it with a small amount of soap
(1/3 full) and the rest with water. Shake it really
well to mix together. I can't tell a difference between
the original and what I have been making up. -- C.G.
Money Saving Monday: Wallpaper Remover: We just bought
a house in which the previous owners were HUGE fans
of wallpaper borders! One in EVERY room! Spray window
cleaner (Windex, Zep, or generic) works better than
any store-bought wallpaper remover. You can either score
the wallpaper, then spray on the window cleaner - or
- begin peeling the patterned layer off (leaving the
glue paper backing), then just spray and peel! -- Brenda,
Freshener: I bought those "tree" air freshners you hang
in your car and hadn't gotten around to putting in the
car yet when the thought came to my mind to hang them
around the house. I hung one in the bedroom from the
window latch and also one in the living room. The rooms
smell so fresh and it only cost me $1.00 for two of
them. The previous week I had purchased your regular
name brand freshners. You can hardly smell them and
they cost about twice as much. -- Cindy, 46
Daniel Britt talks to Lily Isaacs of the Isaacs
Money Saving Monday: Kid’s Clothing… Kelly, 35, from IN
shares: I have found that sometimes "saving money" means
spending money on the right things. For instance, I purchase
good jeans and pants for my 12 year old and don't concentrate
too much on the price. Since she wears these more often
and is generally harder on them, it pays to get good quality
so they'll last longer...sometimes even on to the next
child! But, when it comes to T shirts and tops, I pick
a dollar amount and see how many tops we can get for that
amount. This is almost a game that my daughter and I play
to see who can come up with the most! Also, watch for
faddish types with fancy designs on the front. They usually
cost much more than plain colored shirts and they can
be worn with more clothes usually. And, always check the
clearance racks before you leave the store. Many times
you'll find something that has just gotten dirty and can
easily be washed or repaired at a fraction of the cost!
Money Saving Monday: From Fred Smith, Dallas, Texas>>
Life Management Priorities Several years ago I discovered
a management principle for controlling my activities.
It is: "the scarcest resource in your life will determine
how much you can do." For example, Mary Alice and I
had $5.00 between us when we married with an income
of $25.00 a week. With money's being the scarcest item
in our life we found that we had to control all of our
activities with the money we had because we didn't believe
in debt. One of the results was that I learned to be
our own maintenance man. If anything needed doing I
had to do it or learn to do it. As time went on our
income increased considerably and I realized that time
was my scarcest resource. So my control point changed
from money to time. I stopped spending my time saving
small bits of money and employed others to do things
that would save me time. This continued into middle
life when I realized that my energy was less than my
time. And so I had to invest my energy rather than spend
it. As I came into my senior years energy continued
to be my point of control and I had to change to meaning.
I could not afford to spend energy on things that I
felt were meaningless. You can see I have made four
changes from money to time to energy to meaning. It
was important that I recognize the time of change as
soon as it occurred. I have friends who deny the change.
For example, they deny that their energy is decreasing
and they treat it as a temporary situation. Others keep
up habits such a repeating the saving of energy without
shifting to meaning. I believe that this concept can
genuinely be profitable. This week think about: 1) what
is your scarcest resource? 2) is it truly your scarcest?
3) what shift should you be making right now?
the web>> www.breakfastwithfred.com
Money Saving Monday: Here are some creative valentine's
day ideas that won’t break the bank: If you are not the
usual cook, you could fix a nice meal, set out the good
dishes and light candles-and best of all-clean up the
mess! Or, you can create coupons to be redeemed for future
dates; you could make your own greeting card using magazine
cutouts that bring back memories, pasted on paper and
laminated; or for a fun game of hide and seek…hide encouraging
notes for your spouse or for your children to find.
Saving Monday: Kids' Clothes I buy my son's Levi's jeans
(school pants) at Sears. I save all tags and receipts.
They offer a free replacement pair when damaged (in
the same size). My son is very hard on his knees and
I've replaced the same investment 3 times this year!
I wait until they go on sale and really "stock up"!
You must have the tags and receipt to "exchange". --
Cleanup My husband uses a thermos for coffee everyday.
Each night I fill it with hot water and a denture tablet
(purchases at the dollar store) before I do the rest
of the dinner dishes. By the time the dishes are done,
I just rinse out the thermos well and this way there
is no build up inside and his coffee always tastes fresh.
-- Suzanne, 33
Saving Monday: This money saving tip is so simple and
brings in so much cash, it's almost hard to believe! It
turns out your meal choices at lunchtime can really fatten
up your wallet. You can save, literally, thousands of
dollars just by bagging your lunch. Every lunch hour,
you can count on a full drive thru at fast food joints,
but take out is taking in a lot of your cash. But brown-bagging
it makes a big difference to your dollar: much more than
you might think. Assuming your average takeout meal costs
about $6 and a bagged lunch costs $3.50, you'll save $50
a month by bagging your lunch every day. Over a 30-year
career, you'll save nearly $20,000 just by packing your
lunch. Even if you splurge, and go out to lunch once a
week, you'll still save about $40-bucks and more than
$14,000 over your career.
BILL EWING INTERVIEW
have been featuring excerpts from our interview with
the film's producer, Bill Ewing. You can download the
interview in its entirety to your iPod, Computer, or
MP3 player by clicking
End of the Spear Official Site
Money Saving Monday: Ever wonder what a phone company's
biggest competitor is? Your cell phone! Millions of Americans
are cutting the cord when it comes to landline phones.
Now more than ever, people rely on cell phones for all
of their calls. Although there are advantages to both,
the switch is dialing up big savings for some consumers.
Wireless is the way to go according to cell phone retailers.
The portable hand-held phones provide cost-cutting conveniences
as extra incentives for customers. "If you're going to
pay a bill for a landline and a cellular phone, why not
combine them into one? It's just saving people money,
cutting expenses and cutting costs." But there are pluses
and minuses to cutting the cord. Cellular services seem
to change every few months with different deals and newer
phones and many require a contract. Landlines on the other
hand go unchanged and don't usually require any type of
legal agreement. With a cell phone, users run the risk
of poor reception, dropped calls and exceeding monthly
minutes. To keep people from cutting the cord, some landline
phone companies now offer unlimited long distance calling.
Saving Monday: Heating your home efficiently as gas prices
skyrocket… Every winter, we hear about the do's and don'ts
of heating our homes and little things that could cut
a few bucks off our bill. It turns out, when it comes
to winter heating, spending money could actually save
you money and sometimes quite a bit! Cutting winter finances
starts with your furnace. One of the things that you need
to do on a yearly basis is have your furnace maintenanced
by a licensed contractor here in the area. That can save
you anywhere from 10-20% on a yearly basis with utility
savings. There are more simple ways to save. One of the
biggest things they can do is make sure that your furnace
filter is checked on a monthly basis. A clean filter could
clear $60 off a yearly bill. Fine-tuning your home's temperature
is also key. Another way to save is to buy a humidifier.
You can keep the temperature a few degrees lower, but
still stay warm, because humid air feels warmer. Humidifiers
can cut about 5% off of utility costs.
Saving Monday:The phone number 1-800-FREE-411 offers free
directory assistance service. One of the many changes
that has taken place in the telephone industry in the
last few decades is that while phone companies once generally
provided their local customers with free directory assistance
(via the 411 phone number), in most cases telephone customers
are now charged a fee (typically $1.00 or more) for each
directory assistance call. Despite the charges, U.S. consumers
continue to avail themselves of the 411 directory assistance
service, placing about 6 billion such calls per year.
Now, however, an outfit called Jingle Networks is providing
an alternative directory assistance service - and it's
free. Users who call the toll-free number 1-800-FREE411
(or 1-800-373-3411) can navigate a nifty automated voice
recognition system that asks for a location (city and
state), type of listing (business, government, or residential),
and name. Once the service has located an entry for the
requested number, it reads the information aloud and offers
the caller the option of connecting to the number by pressing
a single number on his telephone keypad. In some cases,
you may have to listen to a short advertisement before
the information is given to you.
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