Monthly Archives: March 2009

Cheap Tricks

March 31, 2009
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I thought you would enjoy reading this article I wrote–and that was just posted on BabyCenter–on eight hidden money savers you can use every day. I interviewed a handful of great people for the story and mention a bunch of websites you may want to check out for yourself. I’ve listed those sites below. In addition, I reference the results of my recent Freecycle poll in this story:

For ideas on bartering: Craigslist and Time Banks

To get money back on everyday purchases: Upromise, Cashbaq, Mr. Rebates, BigCrumbs, and Ebates

To earn gift cards: do your Internet searches through SwagBucks instead of Google.

For ideas on becoming a secret shopper or survey participant to earn extra money: Volition, Mystery Shop ForumNicole’s Nickels, Cents-able-Momma, MySurvey, Opinion Outpost, and Global Opinions Panel.

How do dine out on the cheap: eat at Ikea, or use Restaurant.com or Cities on the Cheap

For books, DVDs and CDs:  PaperBackSwap and BookMooch,

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No New Spending Recap Podcast

March 31, 2009
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Hope you like this podcast recap of our month of no new spending.

No New Spending Recap

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Working on March Wrap-Up and Recap

March 30, 2009
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As you know my husband and I declared March to be our month of no new spending. With the month over tomorrow, I’ve been spending the past few days working on a wrap-up and recap of exactly how the month worked out for us. Doing so has taken a bit longer than expected, so stay tuned for tomorrow’s post for how everything went. I realize that I’ll be posting on the last day of the month–and I suppose something earth-shattering could occur on that last day–and perhaps I should be posting on the first of April instead. But, oh, well. I’m ready to move on and share the highs and lows of our no-new-spending month. Also, I’m hoping to share this wrap-up in recap in an entirely new format–a podcast. Keep your fingers crossed that it actually works out.

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Frugal Lexicon

March 27, 2009
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Believe it or not, my Suddenly Frugal book will be at the publisher next week, and on the road towards bookstores for the fall. As I spend this last week before my deadline finishing my proofing and editing of the manuscript, I’m also putting together the “back matter” of the book. In this instance that would be the two Appendices for the book. One is a frugal glossary; the other is frugal resources for readers to use.

As far as the glossary goes, this is where I’m going to list various words that are a part of the frugal lexicon, and which I think will be entertaining for the reader to learn about. I haven’t attempted a glossary related to my blog topic since the first year I wrote this blog–and at that time, I wrote a green glossary, since my focus then was on green and frugal living.

I’d like to make the glossary Appendix as useful as possible, and so far here are the words I’ve come up with (in no particular order):

  • frugal (natch)
  • miser
  • cheapskate
  • spendthrift
  • tightwad
  • staycation
  • thrift or thrifty
  • lifetime guarantee
  • warranty
  • Freecycler
  • Yankee

What additional words would you suggest I include?

***UPDATE***I posted something about this frugal lexicon on Twitter. Already someone suggested I add these words:

  • freegan
  • frugalista/recessionista
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Avert Your Eyes in the Checkout Line

March 27, 2009
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I’m doing a final proofing and editing of my Suddenly Frugal book, and yesterday I focused on my chapter about grocery shopping. Some of my advice included not going shopping hungry or with you kids in tow. Because if you do either of these things, I’ll bet that you’ll end up buying much more than what’s on your shopping list–either because something smelled good to your hungry self and you made an impulse decision, or your kids are good negotiators and they got you to make an impulse purchase on their behalf.

Now it seems that there’s another impulse-inspiring situation that you have to watch out for in the supermarket: Checkout TV Network, you know those TVs that have popped up in grocery store checkout lanes. (The ShopRite I used to shop at had them right above the cash register.)

I just read about a study–the 2008 CheckoutTV Recall Study–in Mediaweek magazine–and it cited a scary statistic: of those surveyed “70 percent of consumers who viewed ads reported it influenced their intent to buy the product in the future.”

Yikes. Now I have no idea if the products that these folks ended up buying were already on their shopping list, were on sale that week, and the consumer had a coupon–and, oh by the way, they saw it on Checkout TV, too. But now I’m thinking that when you go food shopping and you want to stay on budget, you make sure you have your shopping list, a full stomach, no kids around, and you avert your eyes in the checkout line!

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3 Ways to Save on Phone Bills

March 26, 2009
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Last summer I wrote a blog posting about how I was cutting my landline–that is, the second line in our home that I used for my business. My reasoning was simple: I tended to use my cell phone primarily for business calls, because I always had it with me and because I’d programmed the voice mail on the landline to call me whenever anyone left a message. Nine times out of 10, I returned those message by dialing on my cell phone.

There was another reason I decided to let this second line go: it was costing me more than $750 a year to have this phone line that wasn’t getting any use. Why on earth, whether frugal or not, would I pay that kind of money for which I wasn’t getting the full value?

This small change in our regular expenditures is one example of how you can find big savings in your day-to-day life. And making these kinds of changes doesn’t have to be a one-time-only kind of thing. Just like President Obama wanted to take a scalpel to this country’s budget (as opposed to John McCain’s hatchet–paraphrasing here, of course), it is important for people to continue to take a scalpel to their budget so they can maintain their frugal standard of living.

Now that research from the U.S. Census Bureau is showing that 54.8% of Americans spend more on wireless phone service than landlines, I figured it was a good time to revisit the notion of saving money on phones. I mean, everyone’s got one–our four, like my family–right? That said, here are 3 ways you can save on your phone bills:

  1. Review your bells and whistles. When you signed up for your phone service–be it your landline or cell phone–did you end up getting (and paying for) all of these bells and whistles you don’t need? For example, are you paying for call waiting yet you never use it? What about call forwarding? I would recommend taking a look at all of the add-ons you have with your phone service, and making sure that you’re paying for stuff you actually use. If not, call up your phone company or wireless carrier, and ask them to give you a better deal–you know, or you’re taking your business elsewhere.
  2. Consider cutting your landline. How does saving $750 a year or more than $60 a month sound to you? It sounded pretty good to me, which is why we got rid of that second landline last summer. I know I’ve already explained our reasons for cutting that landline. If any of those reasons resonate with you–especially the money-saving part–then maybe it’s time for you to cut your landline, too. Or at least find a way to make it less expensive for you.
  3. Find a new phone provider. Last month my husband and I were reviewing our phone charges once again, and realized that with one landline left in the house, we were still paying more than $750 a year for that line. We wondered if there was a cheaper way for us to keep our home phone number, and we found it this way–by bundling our phone service in with our cable and Internet provider. Not only did we save $50 a month on the phone (that adds up to $600 a year), but by adding phone service to our existing cable package, we actually got a better selection of premium channels without spending more for them.

I’d love to hear it if you’ve found additional ways to save on your phone bills.

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What Color is Your Blog Parachute?

March 25, 2009
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Do you remember that book, “What Color is Your Parachute”? It was the book to read when you were about to graduate college and go on the job market, or for when you were thinking of switching careers and needed to figure out what field to pursue. The book never quite worked for me, because I always knew what I wanted to do–write. But I remember it being an enjoyable read.

What made me think about this book today was this new widget I’d discovered (via a Smart Brief on Social Media article) that allegedly tells you what your blog says about you, or what color is your blog parachute. Here’s how that widget works: you type your blog’s address into Typealyzer, and it comes up with a personality assessment for your blog.

When I typed in Suddenly Frugal, here’s what I got:

ESFP – The Performers


The entertaining and friendly type. They are especially attuned to pleasure and beauty and like to fill their surroundings with soft fabrics, bright colors and sweet smells. They live in the present moment and don´t like to plan ahead – they are always in risk of exhausting themselves.

The enjoy work that makes them able to help other people in a concrete and visible way. They tend to avoid conflicts and rarely initiate confrontation – qualities that can make it hard for them in management positions.

I think the analysis was pretty spot on, except for the planning ahead part, and the decorating stuff. But this analysis got me thinking, dear reader: is this blog all you think that it should be? What’s missing from this blog? Or what would you like to see more of in the coming days, weeks and months? I’d love to get your feedback so that I can ensure that the color of my blog parachute is what you’ve always envisioned it to be.

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Hidden Money Savers

March 24, 2009
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So I’m working on this story for BabyCenter that’s all about hidden money savers that most people probably haven’t heard of. This story was the reason I’d posted that Freecycle survey last week. Turns out that 60% of those who had taken the survey either had heard of Freecycle but never used it or didn’t know what Freecycle was.

Anyway, I handed in the story and now my editor would like additional hidden money savers in day-to-day living to add to the story. She loved Freecycle and wants more ideas like that. This is where you come in.

I’m wide open here for suggestions–from ways you find to make extra cash or tricks you’ve found for slashing your spending. I’m looking for ideas that aren’t that commonplace but that work for you. Anything you think is cutting edge and you wouldn’t mind sharing with the millions of BabyCenter readers would be awesome. I await your brilliance.

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Planning Ahead to Cook for Mother's Day

March 24, 2009
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Before you know it Mother’s Day is going to be here. Since it never hurts to plan ahead, I thought I’d dedicate today’s post to preparing for Mother’s Day–with some statistics throw in–in a way that won’t bust your budget.

For example, a recent survey from Market Day, a food fundraising company, found that of those families that celebrate Mother’s Day at home, 38 percent of moms will prepare their own family’s Mother’s Day meal this year. OK, but that just seems wrong to me. Mom should not have to cook on Mother’s Day–unless, of course, she’d cooking for her own mother. Luckily, the survey also found that 34 percent of those moms who are cooking on Mother’s Day will get help from family members, and for 19 percent of them, their spouse will cook for them. (Yeah, husbands!)

When the kids get involved on Mother’s Day, can you guess what they cook? Why, breakfast, of course. Of these kid-inspired meals, 62 percent served mom breakfast (45 percent were served in bed), 14 percent helped make dinner, and seven percent helped make a cake, cupcake or cookies.

If you want to drop some hints to your spouse and/or kids about making you something special for Mother’s Day, check out the recipe below. It’s for this yummy Heirloom Coffee Cake. It’s a cinnamon sugar coffee cake (major yum) and, since the recipe is from Market Day, it’s not surprising that one of the main ingredients is Market Day’s Homestyle Biscuit Dough. (If this dough is anything like the Market Day French breadsticks I’ve ordered through my kids school, you are going to love them.)

Since you have to order Market Day items through its fundraising program–and I often had to place my order a week or so before I was able to pick it up at my local school–I wanted to make sure I posted this recipe in time for you to get in an order at your local Market Day school.

Heirloom Cinnamon Sugar Coffee Cakepicture-21

12 pieces Market Day Homestyle Biscuit Dough #7792
1/4 cup sugar
2 teaspoons cinnamon
1/3 cup butter, melted
3/4 cup brown sugar
1/4 cup chopped pecans

Icing:
1 tablespoon butter, melted
1 cup powdered sugar
1 teaspoon vanilla
2 tablespoons milk

Heat oven to 350°F. Thaw biscuits for about 1 hour. Generously grease 9×2-inch heart pan or 10-inch deep dish pie plate.  In a large plastic bag with zipper top, mix sugar and cinnamon. Using kitchen shears or pizza cutter cut each biscuit into quarters. Shake in bag to coat. Arrange biscuits in pan. Mix butter and brown sugar; pour over biscuit pieces. Place pan on baking sheet with edges. Bake 30 to 35 minutes or until golden brown and no longer doughy in center. Cool in pan 10 minutes. Run knife around sides of pan to loosen cake. Turn onto serving plate.

In medium bowl mix together butter, sugar, vanilla and milk until smooth. With fork, drizzle icing over cake. Sprinkle with pecans.

Serves 12

Enjoy and let me know how the recipe turns out. Hopefully, someone else will be baking this for you!

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Free Rita's Water Ice Today!

March 20, 2009
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RITA’S MYSTERY FLAVORI love the first day of spring. Winter is officially over (though we’ve had many a snowstorm in April here in the Northeast), and signs of warm weather are popping up all over. In the garden there are the blooming crocuses and daffodils, on the streets are people finally shedding their winter layer of coats, and at the local Rita’s Water Ice location, they’re finally opening for business again.

As is the tradition for the past 17 years, Rita’s is giving away free water ice (we called it Italian ice where I grew up) to celebrate spring. According to Rita’s, more than one million people are expected to “scoop up” this offer

A Philadelphia-born springtime tradition, the annual Rita’s giveaway is held from noon to 10 p.m. at more than 500 Rita’s locations in 17 states. Guests who visit their neighborhood Rita’s will receive one free, regular-sized, 10 oz. cup of Italian Ice to commemorate the beginning of spring.

In addition to giving away one free Italian ice today, you can enter for a chance to receive free water ice for a year. All you need to do is sample the new, secret-flavored Italian Ice, submit your suggested name for the Mystery Flavor and vote for your favorite name submission on the Rita’s website. The winner of the Mystery Ice Flavor Naming Contest will receive FREE Rita’s Italian Ice for one year. The contest begins on March 20 and ends on April 17, with the winner being announced on April 27 on the web.

Here’s the best part about today–my kids are off from school (it’s an in-service day for the teachers). That means we don’t have to wait until after school to walk downtown to Rita’s. We can go right after lunch.

My favorite Italian ice flavor is chocolate. What about you?

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Freecycle Poll

March 19, 2009
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Currently, I’m working on a story for BabyCenter.com related to this blog, and in researching this story I discovered that many people still aren’t familiar with Freecycle. Since I’ve been using Freecycle for the past two years, I have a hard time believing that more people aren’t like me as Freecycle fans. So I got to thinking: it’s about time to survey people on their familiarity with Freecycle. Thus, the poll below. I hope you’ll take it, and pass the link to the posting and poll along to anyone else you know. I’m really curious to see what the results of this poll bring.

P.S. Back in November, I gave Freecycle a Suddenly Frugal Seal of Approval, in case you’re interested.

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Let Someone Else Clean Your House for a Change

March 17, 2009
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Here’s a stat I find hard to believe: according to a recent survey of ShopSmart readers (that’s a Consumer Reports magazine), only 7% of women dislike cleaning their house.

What?

I don’t know about you, but I always feel like I’ve got the guilt of not having time to clean my house hanging over my head. I’m usually pretty good about tidying up here and there. But a top-to-bottom clean house? Hasn’t happened in years. Well, at least not since we fired our cleaning lady when we went frugal.

Having a cleaning lady was one luxury I couldn’t continue to justify, especially when we were selling our old house. Ever day it was my job to straighten the place up so it was “show ready,” meaning that the floors were always swept, the bathrooms always spotless, and the rugs always vacuumed.

If it weren’t so unreasonably time consuming, I’d love to still be able to live like that. But with my looming book deadline and all of the other time constraints in my life, I’m lucky if the dishwasher gets loaded and unloaded in a day.

That’s why I was almost giddy when I read about the “Nobody Beats the Maids Instant Win Sweepstakes.” The grand prize? A year’s (or $2,500) worth of cleaning services from The Maids.

From March 16 through June 14, 2009, all you have to do to enter is visit The Maids website and plug in your information. While the year’s worth of a cleaning lady is a pretty sweet prize, the other prizes aren’t too shabby either–you could win a vacation for four at Beaches Resorts in Turks & Caicos or Jamaica, or fresh flowers for a year from 1-800-FLOWERS.COM.

I don’t know about you but I’m toggling over to Maids.com to enter. I would love to hand over my feather duster, broom, and vacuum cleaner to someone else for the next 12 months.

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Book-Writing Update

March 17, 2009
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So I’m completely in the home stretch of writing Suddenly Frugal, the book. My contract asks for a 60,000 word book, and as of about 30 minutes ago, I’d written just over 53,000 words.

I have three chapters left to write on the following topics:

  • Gardening, yard, and landscaping
  • Renovations and interior decorating
  • Vacations and getaways

I’m putting out feelers left and right across the Internet for more information on these areas so I can include it in my book. If you have suggestions to share–or know of websites I should check out to research these topics–will you let me know? Thanks.

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5 Reasons to Buy Store Brands

March 17, 2009
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Early on down the road to frugal living, I figured out that a great way to save money when I shopped was to check out store brands of nearly any product I wanted to buy. While I have professed my brand loyalty to certain products–and continue to feel that way about particular items–I would be crazy (and poor) if I didn’t make store brands or generics a part of my frugal equation. Just today I refilled the soap dispenser in my bathroom with store-brand liquid soap, served store-brand cranberry-apple juice with dinner, and cleaned some pots after dinner using a store-brand scrubber sponge.

If you haven’t yet converted your shopping thought process to include store brands, here are 5 reasons why you should:

  1. An American family of four spends nearly $10,000 a year on food, housekeeping supplies and personal-care products and services. If you choose to buy store brands on a third of those items, you’d be saving a ton.
  2. When in doubt, give store brands a try when you’re in the market for personal-care items, paper products, and household cleaners. I know, for example, that my blue window cleaner shines my glass just as well regardless of the name on the label.
  3. You can expect to save, on average $.75 an item when you choose a store brand over the brand name. That doesn’t sound like much, but if you buy about four of those kinds of items a week, all of a sudden, you’re talking an annual savings of $156 a year on a single item. Do that for just a dozen purchases and your savings grow to nearly $1,900 a year. In fact, according to CVS, its customers save $250 million annually by purchasing CVS/pharmacy brand products instead of national brand products.
  4. Today’s store brands might as well be the brand name product. Also called private labels, they are just as good or better than national brands–often containing the exact same active ingredients as the national brands. (There’s a reason I buy generic ibuprofen in bulk at BJs versus the brand-name stuff. I know I’m getting the medicine I want and need, and it costs a heck of a lot less.)
  5. Store-brand products are just as safe as the brand name items. That’s because the FDA holds all store brands to the same guidelines as brand-name products.

Many of these statistics are courtesy of CVS, which, I just found out, has so many stores in the United States that the majority of the US population lives within 2 miles of a CVS/pharmacy. That is true–my local CVS is less than a mile away, and when I need to run an errand there–or my daughters want to get new makeup, which they have to use their own money to buy–we usually walk rather than drive. So in going on foot, we’re doing something good for our pocketbooks and our general health, too.

What about you guys? Are you fans of store brands, too?

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Suddenly Frugal, The Book, Available for Pre-Order

March 16, 2009
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I just discovered that Amazon.com has Suddenly Frugal the book available for pre-order. I hope that folks here will take advantage of this pre-order option.

I wasn’t expecting to see the book up on Amazon yet, especially since I haven’t actually finished writing the book yet (about 10,000 words to go). But I loved getting a chance to preview the book’s subtitle: “A Quick Start Plan to Living Happier and Healthier with Less.” Sounds like the kind of book I’d want to read, even if I hadn’t written it.

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Improving My Blog Roll

March 16, 2009
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Even though it’s been three months since I moved the Suddenly Frugal blog from Blogger over here to Word Press, I’ve just now figured out how to add the Blog Roll to my sidebar. Slowly, I’m trying to beef up the names and links to the blogs I enjoy reading–and which I think the readers of Suddenly Frugal will enjoy. So if you have any blog recommendations, please post a comment with a link, and I’ll check it out. Thanks.

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Overstock Bailout Winner

March 16, 2009
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Well, I didn’t win the February $10,000 Overstock Bailout contest, but someone frugal did: her name is Cara Bennett of Ocala,  Florida. Bennett is the founder of a “Frugaling Club” to help those in her community with ideas on how to save money and shop smart.

Overstock.com Chairman and CEO Patrick Byrne said, “With such a great response from our January $10,000 Family Bailout Sweepstakes, we wanted to continue our help during the months ahead. We plan to continue this $10,000 sweepstakes every month through December of 2009.”

“It’s great that we can help out the Bennett family,” Byrne added. “They are a hard-working family and we hope this $10,000 will give them the boost they need during these tough times.”

Overstock.com created the Family Bailout plan in order to give Overstock.com visitors the chance to pay off their mortgage, credit cards, or other large debts.

“This money will help me and my family through these trying times,” said Bennett. “Thank you, Overstock.com.”

According to an Overstock press release, approximately 100,000 people entered the February sweepstakes. Considering that Overstock is going to continue to offer the contest through the remainder of 2009, I’d say visit the website regularly and keep entering. You’ve got nothing to lose and potentially $10,000 to win.

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This HARO Brought to You By…

March 13, 2009
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Me!

Anyone in the media business has become a huge fan of HARO, which stands for Help a Reporter Out. Social media and marketing guru Peter Shankman created it, oh, about a year ago.

HARO is a thrice-daily list of media leads, which I’ve used as a writer and as someone trying to promote her books. Today, I took my HARO-ness to a new level by purchasing the “ad” that appears at the top of every HARO dispatch.

In case you’re interested in reading that ad, here it is:

This HARO is thanks to Leah Ingram, writer, book author and spokesperson extraordinaire. Do you need to hire a media-trained, camera-savvy spokesperson for your next PR campaign? Then Leah’s your gal. Leah is a high-energy lifestyle expert with a low-maintenance attitude. She knows how to deliver on-target message points in a friendly, conversational way, and she gets results. One tour she completed helped to increase sales of a technology company’s products by 20%. Did I mention that she’s an awesome, nationally published writer, too? Leah can put words to any story that, well, needs writing. Want to see Leah in action? Visit her website http://www.leahingram.com to view video segments, read her clips or check out any of her 13 published books. Her newest book on frugal living, called Suddenly Frugal, hits bookstore shelves in September.

Only time will tell if this ad will bring a worthwhile return on investment. Considering that each HARO reaches nearly 25,000 people, I’ve got fingers crossed that it will.

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Suddenly Frugal is a Fave Five

March 13, 2009
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picture-7Hey, there folks. Just wanted to share with you that the Role Mommy blog has named Suddenly Frugal a Fave Five for this week. They’ve highlighted my recipe for DIY laundry detergent, and held it up as an “ingenious post.” Pretty cool. I hope you’ll check it out.

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3 Safety Precautions with DIY Cleaners

March 13, 2009
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When my children were really young, I was vigilant about keeping cleaning products away from curious fingers. We had those special child-resistant locks on all of the cabinets, and anything that could potential hurt the kids, well, we stored that stuff way up high. Even I couldn’t reach them when I stood on a step stool! (Thankfully, hubby is 6’3″.)

Now that the kids are older and know better, I don’t worry so much about accidental poisonings, though I still keep cleaning products away from the dog. The last thing I need is for him to decide to “clean up” some spilled toilet bowl cleaner or something like that.

Anyway, it’s been a long time since I’ve thought about poison control, until I heard this: next week (March 15-21) is National Poison Prevention Week. And you know what causes some concern for poisonings these days? DIY cleaners.

According to a new survey from The Soap and Detergent Association, 28 percent of Americans say they have mixed their own cleaning product at home. And if they’re like I am when I made my own laundry detergent, they just tossed the ingredients in a container and called it a day. Here’s where that can be a problem: if you have to call poison control, you don’t have a traditional label to refer to.

That’s why the Soap and Detergent Association came up with some safety precautions to keep in mind when it comes to DIY cleaners. Here are 3 of them.

  1. Label your DIY cleaners. The next time I whip up a batch of my laundry detergent, I’m going to get out my Label Maker and print this out: contains washing soda, borax and soap.
  2. Use child-safe containers, if possible. Truth be told, I don’t know of any cleaning product that comes with a truly child safe container, like OTC medicines have child-safe tops. But you do want to make sure that whatever top you put on the container, you put it on securely.
  3. Store all cleaners–even the DIY kinds and those labeled as so-called natural–out of reach of curious fingers, like I used to do.

If there’s a poison-related emergency, contact the U.S. Poison Control Center’s nationwide toll-free number: 1-800-222-1222. This is a number that you should post next to every phone in your home, and it probably wouldn’t hurt to program it into your cell phone, too.

The Soap and Detergent Association can provide more information about DIY cleaner safety here.

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