Monthly Archives: September 2009

I Met the Lazy Environmentalist

September 30, 2009
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Picture 24The Brita FilterForGood Climate Ride, a five-day, 300-mile bicycle ride from NYC to D.C. , rolled through my town on Sunday. (The picture, right, was from the New Hope Arts & Crafts Fair, which some of the cyclists stopped to check out.) The mission of this ride? To have pedal strokes raise money and awareness for climate change.

Picture 25I met up with the Brita folks across the Delaware River in Lambertville, NJ, where I got to hang out with Josh “The Lazy Environmentalist” Dorfman. He’s got a way cool show on the Sundance Channel, and a new book called The Lazy Environmentalist on a Budget: Save Money. Save Time. Save The Planet. He’s also got super cool glasses frames–think Mo Rocca. (Actually, he complimented me on my frameless frames.)Picture 23 That’s him, at right, “racing” a train.

I was really impressed that this so-called lazy dude was so committed to helping Mother Earth that he was pedaling all the way from New York City to Washington, D.C. (He did admit to some fanny fatigue.)

Today happens to be the last day of the bike ride. Riders will converge on the Capitol to celebrate the conclusion of the 2nd Climate Ride and talk to members of Congress about the ride’s mission! In addition to the cyclists who started in New York–and Dorfman–there will be 12 Ambassadors riding, including the Danish and German Ambassadors.

I’ve been a big fan of Brita for quite some time, having given it my Suddenly Frugal Seal of Approval last September. I have to say that learning about this event has upped my fandom of the company quite a bit. (It doesn’t hurt that they gave me two free water bottles for my kids when I met up with them on Sunday–full disclosure, and all.)

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Finding Free and Low-Cost Flu Shots

September 29, 2009
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Getting a flu shot is definitely on my to-do list this fall. Same thing with my kids. With all this talk about the H1N1 flu virus, even if we can’t get that actual swine flu vaccine, I want to make sure that everyone in my family stays as healthy as possible. That’s also why we’re trying to drink more water, learning to sneeze into the crook of our arm–and tell everyone one we know to do the same–and keeping hand sanitizer with us at all time.

We’re lucky in that our health insurance allows us to get flu shots for a nominal fee–$15 co-pay for my husband and kids, but free for me since I’ve got asthma. Most years I remember to get my flu shot in November or December, and usually get sick during the winter at some point–not the flu but sick nonetheless. Last year I got my flu shot in early October, and it was the first winter I was illness-free. You can bet I’ll be getting my flu shot this year on the early side, too.

Maybe you’d like to get a flu shot this year but don’t have an affordable co-pay, can’t get in to see your doctor in time or just don’t have health insurance. That’s why I’ve gathered together some information on where you can go to get free and low-cost flu shots.

  • You may be able to get a free flu shot at CVS Minute Clinics if the clinic is able to submit to your insurance company on your behalf. Even those who are uninsured may be able to qualify for a free flu shot at CVS Minute Clinics.
  • Anthem Blue Cross and Blue Shield in Nevada is covering the H1N1 vaccine without co-pay or deductible for all health plan members. (No word on whether they’re extending this coverage to regular flu shots.)
  • Big box stores are doing flu-shot clinics, too. You have to check this Walmart-affiliated website to find a flu shot clinic near you; prices vary by market. Target is supposedly offering flu shots as well. Though they charge $24 per shot, you may be able to have Target submit to your insurance company (like CVS above) and have the entire cost covered. Be sure to ask about that.
  • Some hospitals and medical centers are offering walk-in flu shots–some for free.
  • The week of October 5th, Barnes-Jewish Hospital in St. Louis is offering free flu shots; times vary with shots for kids and shots for adults. (I’m thinking I need to include this in my Freebie Friday listing this week!)
  • In November, The Lehigh Valley Health Network in Allentown, PA, will be offering free drive-thru flu shots! (You don’t even have to get out of your car to get your shot!) Here are the locations and times: Saturday, Nov. 7, 9 a.m.-3 p.m., Dorney Park and Wildwater Kingdom in Allentown; and Sunday, Nov. 8, 9 a.m.-3 p.m., Coca-Cola Park in Allentown. Note: you will need to fill out a consent form ahead of time. You can call 610-402-0825 or 610-402-0819 for more information.
  • SuperValu Pharmacies nationwide are offering flu shots for $24.99 and many of these pharmacies will give you money off a purchase just for coming in to get that flu shot. You can use that money-off coupon on, among other things, getting a vaccine to prevent pneumonia, shingles, tetanus or meningitis. Not familiar with the SuperValu name? Well, maybe these names might ring a bell: Jewel-Osco, Shaw’s, Acme Sav-On, Albertson’s Sav-On, and Shop ‘N Save.
  • Walgreens is offer flu shots for an affordable $24.99 at its in-store Take Care Clinics. Better yet the AARP Walgreens Wellness Tour is handing out $1 million worth of vouchers for free flu shots to uninsured adults. (See if the Wellness Tour bus, pictured here, is stopping at a location near you.)

walgreensbus If I’ve missed any flu-shot resources–or you know of other places offering free or low-cost flu shots, post a comment to share that resources with the other readers.

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Freebie Friday (September 25-October 1, 2009)

September 25, 2009
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The free event from the Princeton Review below caught my eye since, soon enough, my high schooler will be prepping for the PSAT! I’ve also got information here on some cool free admission events coming up this week!

Complimentary College Testing

  • The Princeton Review is offering free PSAT Practice Tests on September 26th at locations nationwide.

Admission on the House

  • Starting on Thursday, October 1st and running all month long (October 1-31), children 11 years old and younger receive free admission to visit the San Diego Zoo and San Diego Zoo’s Wild Animal Park.
  • Georgia State Parks and Historic Sites is offering free admission on Saturday, September 26 as part of National Public Lands Day. The statewide celebration at all 63 state parks and historic sites is a way to thank park visitors and volunteers for their support of outdoor recreation and historic preservation.

Free Clinics and Seminars

  • “The Dr. Oz Show,” the new daily syndicated show hosted by cardiac surgeon and health expert Dr. Mehmet Oz, and the National Association of Free Clinics (NAFC), will hold an enormous free clinic at the Reliant Convention Center in Houston, Texas on Saturday September 26, 2009 to provide medical care to hundreds of people who have no form of basic health insurance. Doors open at 6:30 a.m. Open to uninsured people between 6 and 62.
  • The Martial Arts Training Academy of Hollywood will present our first Child Abduction Prevention and Bully Defense Seminar from 6pm-7pm; and a Teen & Adult Self-Defense workshop from 7pm-8pm at 5936 Sheridan Street, Hollywood, FL 33021, on September 30th.
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Wash Your Hands!

September 24, 2009
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So did you know it’s Clean Hands Week? (September 20-26) From all we’ve heard about how to prevent the spread of the H1N1 virus, good hand hygiene is key. Funny–my germophobe ways don’t seem so odd now. Hand sanitizer, anyone?

Seriously, though, Americans really do need to go back to school when it comes to washing their hands. Here’s what a recent Soap and Detergent Association survey found:

– 50% say they wash their hands more than 10 times per day (up from 36%).

– 70% wash up at least 7 times per day (up from 62%).

– Across the board, more Americans claim to always wash their hands before eating lunch, after coughing or sneezing and after using the bathroom.

However….

– While 62% of women are washing more than 10 times per day, only 37% of men are doing the same.

– 39% of respondents seldom or never wash their hands after coughing or sneezing (on par with 2008). (Hey, that’s a reason to retrain yourself to sneeze into the crook of your arm.)

– 46% of respondents wash their hands for 15 seconds or less (on par with 2008). The Centers for Disease Control and Prevention (CDC) and SDA recommend washing with soap and water for at least 15-20 seconds. (I try to sing “Happy Birthday” twice when washing my hands.)

Sure, all this cold and flu frenzy will probably increase soap sales. But you know what? If it keeps more people healthy–and we therefore don’t lose pay by having to stay home sick–I’m all for reminding people about the importance of washing their hands.

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They Helped Me Save Money, and I'm Shocked!

September 23, 2009
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I about fell off my chair today when, twice in one day, someone at a doctor’s office suggested ways I could save money. I’m not talking about slipping me a handful of drug samples to save me the prescription co-pay. I’m talking services that I was ready to whip out my checkbook to pay for, but the person I was dealing with convinced me that I would be wasting my money if I did.

Situation #1: I had decided to switch my daughters to the “grown up” dentist my husband and I use. Not only are they old enough not to need the pediatric dentist anymore, but said pediatric dentist is a 35-minute drive away. The grown-up dentist? Within walking distance of our house.

Like with most instances when you “switch” doctors, I called about getting files forwarded, and I knew I’d have to pay for the pediatric dentist to do that. Turns out, it was $10 per kid per chart. It also turns out that the person I spoke with at the pediatric dentist convinced me that I didn’t need to spend the money. She said that the money mostly covered the copying of x-rays, but because my kids were both in braces and due for x-rays anyway (once the braces came off), the x-rays I would be paying to copy would be out of date anyway. (I called the new dentist to ask about this and she concurred.) So even though it would have been easiest for the pediatric dentist to take my credit card number and charge me the $20, she helped me to save money instead.

Situation #2: My oldest daughter has been complaining, once again, that she can’t see the board in school. I knew she probably needed a new prescription in her glasses, and after today’s eye appointment, I found out I was right. In anticipation of this happening, I had Jane bring with her the “back up” pair of glasses she owns. My plan was to get new lenses in her everyday glasses, and have her wear the back-up pair until we got the other pair back, and then send the back-up pair in for new lenses. This is usually what I do with my own glasses, though with three pairs of back-up frames, that can get costly. (Truth is I haven’t updated the prescription in those glasses in a number of years.)

As we were filling out the paperwork for the new lenses for both pairs of glasses–and watching the price tag soar past the $200 mark–the optician asked, “Why are you going to pay hundreds of dollars for lenses for a pair of glasses that are just going to sit in a drawer? If I were you, I’d get the new lenses in her everyday glasses and just keep the back-up as is.” So simple yet so brilliant. Sure, we’ll be in a pickle if her everyday glasses break, but you know what? I’ll deal with that problem when it becomes a problem. In the meantime, the optician helped me not to spend $200 today. And for that I’m very grateful.

Are you finding that service providers, medical or otherwise, are sharing money-saving tips with you like these people did with me? Wondering if this is a new recessionary trend….

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Video Game Savings

September 22, 2009
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A couple of years ago I was the holiday spokesperson for Game Crazy. Recently, those same folks sent me some money-saving tips for gamers–something I thought my frugal readers might find helpful. Why? Well, before you know it, the holidays will be here. And if your kids are like mine, they’ll be asking for at least one video game. In fact, my eldest has already put in a request for The Beatles Rock Band.

Game Crazy answers three questions that can help you save the most on video games:

  1. When is the best time to trade-in a game? As soon as you’ve beaten it! Just like a car, a game’s value decreases the older it gets, so the sooner you trade games after purchase, the more value you will receive toward additional purchases. For example, the trade-in value of UFC Undisputed is $25.00 today, but it might be down to $20.00 a week from now. Therefore, Game Crazy recommends bringing it in as soon as possible, even if the consumer isn’t sure what game they want to use the credit toward, and saving the credit on a gift card.
  2. Which games hold their value longest? Role-playing games (e.g., Zelda and Final Fantasy), driving and flying simulation games (e.g., Mario Kart and Grand Turismo) and top-tier action games (e.g., Halo and Call of Duty) tend to hold their value the longest. On the flip side, sports games often decline in value just before the next version is released, and games based on popular cartoons, kids’ movies or toy lines typically only hold their value for as long as the characters stay popular.
  3. When is the best time to buy a used game? The rule of thumb: the longer a game has been out, the less expensive it will be. For example, many popular titles that released only one year ago at $59.99 are now available in the used game section for $19.99 or less.

If you’d like to get video games without spending a dime (save for postage), there’s always swap sites like Swaptree and Switchplanet!

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Customer Service Know-How

September 21, 2009
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Remember that old saying that your mom probably taught you–the one that goes “You’ll catch more flies with sugar than vinegar” (or something like that)? Well, when it comes to customer service, mother knows best. I remembered this saying last week when I went out to walk my dog, and found that the trash service had picked up everyone else’s recycling on the street but mine. This after the company hadn’t come at all the previous week.

As I dialed the trash company, all of these angry sentences were going through my head. Things like “How dare you not come one week and then forget my house the next week” and “What kind of people do you employ who miss an entire house’s recycling?” But then I thought about a story I’d done a few months ago for Executive Travel on getting good customer service when bad things happen during a business trip.

I got some great advice from customer-service experts for that story, including these following points:

* Be polite and act professionally.

* Understand that you’re not the first problem this person has had to deal with that day.

* Empathize with that person

* Get that person on your side.

So when the operator finally got on the phone (after I’d been on hold for 10 minutes), instead of launching into a tirade of insults, I started my conversation this way:

“Hi, I’ve got a problem with my recycling service and I’m hoping you can help me.” I then explained everything that had transpired–with the missed picked up last week, the missed pick up at my house only that day–and here’s what happened. The operator put me on hold so she could call the driver and send him back to my house. Then, when she got back on the phone, she told me she was crediting me for the missed service. By the time I got back from walking the dog, the recycling was all gone.

Perhaps the operator would have fixed the situation, even if I hadn’t been so pleasant. But there was another benefit to taking the “honey” approach: I didn’t end that phone call to the trash service in a bad mood. Just because there had been a problem, by keeping my point of view positive, I didn’t end up ruining my own day. And I got the outcome I wanted.

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Freebie Friday (September 18-24, 2009)

September 18, 2009
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So far most of this week’s freebies are all ice cream, all the time. Hey, I’m not complaining!

Free Food

Event Admission on the House

  • Fans of “Three Cups of Tea” author Greg Mortensen can hear him speak for free on September 20th at the Red Rocks Ampitheater in Morrison, Colorado. Doors open at 5 p.m. While walk-ins are welcome on Sept. 20, free ticket pick-up stations include the following locations: Twist and Shout, 2508 E. Colfax Ave., Denver; ReadyTalk, 1598 Wynkoop St., Denver; Jonesy’s Eatbar, 400 E. 20th Ave., Denver; and Barnes & Noble, 14347 W. Colfax Ave. (Denver West), Lakewood. This talk and concert is part of Mortensen’s good cause Pennies for Peace.
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Ins and Outs of Insulation

September 17, 2009
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Today I learned more about insulation that I ever wanted to know. That’s because we determined that the traditional fiberglass insulation that our contractor had installed earlier this week–but hadn’t yet enclosed in drywall–had to come out.

This had nothing to do with the contractor or the quality of their work. This had everything to do with the noxious smell of fiberglass insulation, which has made my house almost unlivable. To most people it’s a mildly offensive odor that supposedly goes away over time. But I’m one of those people who is sensitive to smells, and there was no way I could live with the odor, or risk closing up the walls and not having the smell dissipate.

Turns out that nearly all insulation gives off an odor. The cause? The formaldehyde manufacturers use to bind the fiberglass together. Frankly, it creeps me out to think that there is formaldehyde gasses in my house right now. Isn’t that the stuff they use to embalm people after they die?

Anyway, I spent the better part of today looking for less-toxic options. Here’s what I found out:

* You can get formaldehyde-free fiberglass insulation.
A company called Johns Manville has created JM Formaldehyde-Free Insulation. Actually, nearly all of the company’s insulation products don’t use added formaldehyde, and it’s the brand I’m recommending my contractor get as a replacement. I’ve spoken with other people who are sensitive to smells like I am, and they’ve used this product to great (and odor-free) results. I found it available at my local Lowe’s store only.

* Fiberglass is actually made of recycled glass.
This was a new one on me. It doesn’t make it any easier or less itchy to work with, but it is recycled at least.

* You can get non-fiberglass insulation but you’ll pay a premium for it.
I knew that you could get insulation made from cotton or recycled denim. What I didn’t know was how much more expensive it was. Today, I spent a couple of hours looking into Bonded Logic UltraTouch denim insulation, which seemed perfect for our needs. However, it costs 3X as much as the formaldehyde-free insulation. And if my purpose in getting “non-toxic” insulation, if you will, was to avoid odors, then I’ve got to go with the one that doesn’t smell and doesn’t cost the most.

Anything else you think I need to know about insulation?

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4 Fresh Ways to Reuse/Recycle Paper

September 16, 2009
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You know to separate your paper, plastic, glass and cardboard from your regular trash, and put it out on recycling day. But did you know that there are other ways that you can recycle beyond your curbside trash hauler? Here are four fresh ways, just with paper alone, that you can recycle or reuse paper.

1. Been noticing those green-and-yellow “dumpsters” in church and school parking lots lately? No, those aren’t new places for you to put your trash. They are paper-only recycling receptacles run through Abitibi’s Paper Retriever program. It rewards non-profit organizations with cash, based on the tonnage of paper collected in each of these bins. Your paper is still recycled–Abitibi makes newsprint–but now the recycling is benefitting a local school by helping it to buy new playground equipment or a community organization by giving it money to purchase uniforms for its sports teams.

Here’s what you can drop off in the Paper Retriever dumpsters:

  • Newspapers
  • Magazines
  • Mail
  • School & Office Papers (including shredded paper)
  • Catalogs

2. Bring your newspaper to an animal welfare organization. Many rescue places use folded up newspaper, not just old towels and rags, to line the cages and pens of the animals they are nursing back to health. My daughter and I discovered this when we brought an injured wren, found flailing on our front step, to a wild animal rescue place near where we live. While most people think about bringing them linens, what places like these really need is newspaper–so they told us. (We also wrote them a check for $50 to help out since we had no newspaper to offer.)

3. Reuse paper for packing delicate items or shipping something. Don’t waste your money on packing peanuts or bubble wrap. Shredded paper and balled-up newspaper can do an adequate job of something breakable you need to ship or pack away, such as dishes or Christmas ornaments. Better yet reuse your cardboard egg cartons as additional padding to ensure nothing moves around in the box, and everything stays in one piece.

4. Sprinkle shredded paper in a compost pile. If you’ve started composting your food scraps, you may have noticed that stuff inside the bin can get a bit goopy–especially if your ratio of green-to-brown matter is a bit off. To dry things up, sprinkle some of the paper from your shredder into the compost pile, and stir it up. Sure, I end up spilling some out of the shredded paper out of compost bin from time to time, making my backyard look a little like the aftermath of an explosion at the confetti factory, but that’s all right. Once the shredded paper brings the moisture level down, decomposition will speed up. Don’t have a shredder? You can rip newspaper into shreds and mix that with your compost, too.

Have any other tips for thinking outside the recycling bin with paper? Post a comment to share your idea.

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Observations from the Grocery Aisle

September 15, 2009
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Food shopping was different for me today. That’s because I approached it with a few new ideas in mind.

For starters I read in Sunday’s Parade Magazine about clever ways to save money. Most of the stuff in that article was old news to me. But one of the suggestions was, as magazine editors like to say, fresh and surprising.

The article’s author suggested bringing a calculator with you when you go shopping. However, rather than add up your purchases as you go along, start with the number you want to spend and subtract your purchases from there. When you hit zero, you’re done.

So I did that. I went to the store, knowing that I didn’t want to spend more than $150. I kept the calculator out, and an amazing thing happened as I wheeled my cart up and down the aisles: I didn’t reach for things automatically, because I didn’t want to have to “minus out” from that $150 spot. Clearly, I needed to buy something, otherwise why had I gone food shopping? And I did end up getting items. But by the time I was done shopping and was at the checkout line, the calculator read “97.39,” meaning I’d spent only $52.61 on my trip through the store. True, I didn’t buy any meats and very few processed foods, but those weren’t on my list to begin with.

Here was another difference with today’s supermarket jaunt: I decided not to bring all of my coupons with me. Quel horror! Sacrilege, you say! No, here’s what I was thinking.

I knew that if I had coupons with me, I might end up buying stuff that I didn’t really need but wanted to get because the price seemed OK and, hey, I had a coupon. (Isn’t that what the coupon folks are hoping we’d think?) The one coupon I did bring was for dishwasher detergent. We were out, so buying it was a must.

Speaking of dishwashing, I’ve become a huge fan of these gel-packs and dissolving blocks of dishwasher detergent that you can use instead of pouring powder or squirting liquid into the dishwasher detergent compartment. Sure, buying these pre-packaged “servings” of dishwasher soap tends to be more expensive upfront, but I think you’ll find savings down the road. Here’s why.

Whenever I used regular dishwasher detergent, I always end up overfilling the little cup anyway. By how much do I overfill it? I’m not exactly sure, but if it happens with each wash–which inevitably it does–then I’m wasting detergent. And by wasting detergent, I don’t get as many washings from a box or bottle, and I have to replace it sooner.

With a product like the Electrasol Finish Quantum blocks (which I love love love and have been buying regularly), I just plop the block in the soap cup, close it and press “start” on the dishwasher. There is no mess, no overflow and no wasting. In fact, there’s even less waste when you finish the package: with the Quantum product, it comes in a package that is easily recyclable–a plastic insert and a thin cardboard box.

Here’s another product I’ve become fond of, from a value and less-waste point of view: those prepackaged containers of deli meats in reusable storage containers. My daughters have been asking for the over-roasted turkey from Hillshire Farm Deli Select to make turkey sandwiches for lunch–and sometimes dinner–and I have no problem honoring that request. I find the price to be comparable to the deli–about $5 a pound–and I get a free Gladware storage container in the deal. Again, from a waste perspective, the only thing that ends up in the trash is the little plastic baggie the turkey came in.

Have you come up with other tricks lately to save at the supermarket? Let me know.

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4 Uses for Epsom Salt

September 14, 2009
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Picture 18When I was growing up, Epsom Salts were the go-to treatment for sore muscles. (I envied the kids who got Ben-Gay.) I guess growing up with a Yankee mom, I should have expected she would choose the most frugal–and effective–soak for sore muscles.

I still keep a box of Epsom Salts underneath my bathroom sink, just in case. These days, with people looking to cut costs across the board, it seems Epsom Salt is hot. That’s because you can use Epsom Salt in all kinds of ways, including as part of your at-home spa treatments.

Here are four uses for you to consider, courtesy of The Epsom Salt Council (who knew such an organization exists?):

1. To exfoliate:
Mix 2 cups of Epsom Salt with 1/4 cup of petroleum jelly and a few drops of lavender essential oil. Use the mixture to gently scrub away dry skin patches.

2. As a Facial:
Mix 1/2 tsp of Epsom Salt into cleansing cream for a deep-pore cleansing. Massage on skin–gently. Rinse with cool water. Pat dry.

3. For a relaxing soak:
Add two cups of Epsom Salt to the water in a standard-sized bathtub. For an extra treat, add a few drops of eucalyptus oil for a refreshing scent. (Gee, my Epsom Salt baths were always unscented. This sounds, er, smells nice.)

4. Homemade bath crystals:
Mix two cups of Epsom Salt with a few drops of fragrance to create a custom bath crystal. Add a few drops of food coloring or 1/2 tsp of glycerin if you like. Store in an air-tight container. (This sounds like a great, inexpensive gift to make for the holidays, teacher present or hostess gift!)

Do you have any other magical uses for Espom Salt?

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Freebie Friday (September 11-17, 2009)

September 11, 2009
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While we all love the free stuff, please take a moment today (Friday, September 11th) to remember those who lost their lives on 9/11/01.

Free Food

  • Kids 12 and under can enjoy “breakfast for dinner” for free at IHOP through September 13th. From 4 pm to 10 pm, you can get one kids’ meal free for each regular entree you purchase.
  • Get six free buffalo wings at T.G.I. Friday’s September 13th and Monday September 14th when you attend one of its football-watching parties.

Event Admission on the House

  • Get free admission to Addison (TX) Oktoberfest on Thursday, September 17th–yes, I know it’s not even October yet, but hey, it’s free admission, right? While there you can indulge in Bavarian food, German games and oom-pah-pah all night long.

Art and Antique Appraisals at No Cost

  • Skinner, Inc., one of the nation’s leading auction houses for antiques and fine art, will host a free Evening of Art and Antiques Appraisals on Thursday, September 17, 2009 from 5:00 to 8:00 p.m. in its Boston gallery, located at 63 Park Plaza. The event is open to the public and free of charge. Attendees are encouraged to bring items of interest to learn about both their historic and monetary value.

Recycling Electronics for Free

  • LG Electronics USA and 9NEWS, in cooperation with Waste Management, have teamed up to host a FREE recycling event for Denver-area residents on Saturday, Sept. 12. Consumers can drop off up to 10 electronic items for free recycling from 7 a.m. to 12 noon (or until capacity is reached) at two area locations: Denver: Invesco Field at Mile High – 1701 Mile High Stadium Circle, Denver Federal and Dick Connor entrance; and Commerce City: Dick’s Sporting Goods Park – 6000 Victory Way, Commerce City Quebec Parkway and 60th entrance.
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9 Things Great Depression Grandparents Knew About Saving

September 10, 2009
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President Obama started last night’s televised speech with a mention of our current economic situation and how our country hasn’t faced a financial crisis like this since the Great Depression. Turns out we could learn a few lessons from our Great Depression grandparents about how to save money, so says Bills.com president Ethan Ewing. Here are 9 such notions we should take to heart.

1. Live below your income.
Simply put: Do not spend more than you earn. Those who are hooked on plastic can withdraw enough cash each week to cover necessities — even groceries and gasoline — and put the credit cards away. Ewing noted that a recent study by Visa found that people who pay for their food with a credit card spend 30 percent more on average than people who pay with cash.

2. Focus on needs, not wants.
Ewing reminds Americans to understand their income and their necessary expenses, and account for these needs before spending money on any wants. To avoid confusing the two, put off purchases for at least 24 hours whenever possible to think about them carefully.

3. Stay home.
Save an average of nearly $2,000 per year by skipping the far-away vacation. Talk, play games, work on a project or watch a movie to relax instead of heading for the amusement park or out to dinner and a movie.

4. Eat in.
Speaking of dinner, consider this: In 2000, Americans ate an average of 4.2 meals per week at a restaurant; in your grandparents’ time, an occasional restaurant meal was a rare treat. With the conservative assumption that each restaurant meal costs $7, the cost for 4.2 meals per week would mount up to $127 per month, or more than $1,500 per person, per year. For a family of four, costs could soar over $6,000 per year. Learn to cook a variety of foods and use convenient tools such as a slow cooker to save time, money and calories.

5. Skip the alcohol.
Have dinner with your grandparents, and odds are good that they most often drink water, iced tea, coffee or soft drinks. At home, choosing iced tea instead of a cocktail will save 50 cents to a dollar per day. In a restaurant, the savings could be $5 or more.

6. Choose regular coffee.
Your best bet is to make a cup of tea or coffee at home and take it with you.

7. Do not shop for entertainment.
Read a good book (get an old-fashioned library card) or learn a useful hobby instead.

8. Keep the old car.
A car is transportation, not a fashion statement. Nuff said.

9. Use it up, wear it out, make it do or do without.
This is actually an Old Yankee saying, and I love it. (That’s Leah talking!) Do not throw out a bottle of shampoo simply because you are tired of the fragrance — use it all up. Keep jeans past their fashion prime. If your shape of your turkey platter is not perfect for Thanksgiving, does it matter? And do you really need color-coordinated, fabric-lined baskets for your linen closet, or would old boxes work? Think twice before spending by reciting this mantra of the frugal home.

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National Zero Waste Week

September 9, 2009
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I read over on a British blog called My Zero Waste that September 7-13 is National Zero Waste Week. OK, well it’s really INTERnational Zero Waste Week if it started in the UK but I’m talking about it here on my U.S. blog.

Anyhoo, zero waste is one of the concepts where green meets frugal. If you can figure out ways to reuse what you have, you can get away with buying less and therefore spending less.

Here are three ways that our family creates zero waste (though that sounds oxymoronic) and saves money in the process:

  • We compost our food scraps. The less trash I have to put out by the curb, the fewer garbage bags I need to buy. In addition, I can go with the cheaper, less frequent trash pickups with less garbage. I even get my daughters to bring home their food scraps with their lunch from school so we can compost them at home.
  • Speaking of lunch we pack zero waste ones. My daughters have reusable lunch boxes, water bottles and sandwich boxes, and most snacks we pack in reusable containers. If they’re taking fresh fruit, it’s in one of those reusable containers or the core/peels/seeds come home at the end of the day to go in the aforementioned compost.
  • We reuse old clothing as rags to clean up around the house. Who needs to buy mops and sponges when you’ve got old t-shirts galore to wash the floors, counters and the windows? When the rags are too threadbare to use anymore, I might give them away on Freecycle to a crafter looking for fabric scraps, or I toss them in the compost.

What about you? What are some of the things you do in the name of frugality that are actually all about zero waste, too?

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Top 10 Paint Colors for Fall

September 8, 2009
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One of the ways that we’re keeping 10 grand in our hands with our home renovations is doing tasks ourselves whenever possible. I can’t wait until the contractors are done with drywall, taping and spackling, because then I can jump in and start painting.

I love painting walls, and drift off into my own DIY la-la land just imagining what color I can paint certain rooms in my house. So far we’ve only painted three rooms in this house–a house we’ve lived in for more than two years. (Pathetic, I know.) They were our master bedroom (cafe au lait), our older daughter’s bedroom (“Wicked” green–we love the music, too) and the formal living room (a minty/moss green).

I’m so glad that I recently came across a press release from Glidden outlining the top 10 paint colors for fall, which  are as follows (with commentary from the paint company):

Picture 331. Red Delicious
An appetizing and extremely compatible red for tasteful incorporation throughout your home.

Picture 342. Pumpkin Patch
A bright and saturated orange that will add drama and exuberance to create a friendly atmosphere.

Picture 353. Dusty Gold
This sophisticated color incorporates the sun’s warmth and adds an embracing quality certain to chase away the cool breezes of fall. (I’m thinking this one might be perfect for my powder room!)

Picture 374. Spanish Olive
An autumnal green that exudes the true elegance of fall foliage – perfect to add a bit of calm to that special niche.

Picture 385. Leather Brown
With a universal personality, this color provides an opportunity to blend with global accents of soft blues, teals, rusty coppers and deep warm reds. (A new dining room color, perhaps?)

Picture 396. Crisp Autumn Leaves
This quintessential color of fall exudes hearty warmth (like a fireplace) and reminds us of cozy blankets and spicy recipes.

Picture 407. Mustard Seed
An exciting warmth that contrasts handsomely when balanced with brown, black and navy decor elements.

Picture 418. Aztec Gold
The southwest territory becomes theatrical when used to convey the rugged, historical and scorched landscape of the desert.

Picture 429. Soft Suede
Offers a rich neutral background desired to feature the variety of enlivened fall colors of the palette.

Picture 4310. Black Mahogany
Stylish Black Mahogany exudes a sense of mystery, one that perfectly contrasts with decor elements of photographs, artwork and autumn’s color-rich accessories. (My younger daughter wants her bedroom to be painted purple. Maybe this eggplant-like color is the one to go with.)

Having this list at my disposal might help me narrow down what colors to choose for the newly renovated space in our house.

One more plug for Glidden: it offers ready-to-go paint testers with a built-in brush for only $2.97, to allow consumers to try any color. This seems like a better way to envision a paint color on your wall, rather than taping up a bunch of paint chips.

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Freebie Friday (September 4-10, 2009)

September 4, 2009
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Wow, September already. Hope you have a great Labor Day weekend and can take advantage of some of these upcoming freebies.

Free Food

Photo Album At No Cost

  • Every new user who downloads the HotPrints Facebook application will get a free 16-page high-quality printed photobook. This freebie includes shipping and handling, along with a free PDF version of your album to share digitally. In addition, HotPrints is offering a new rewards program. If 10 of your Facebook friends install the HotPrints application, HotPrints will automatically credit your Facebook account with a free book. So that means you can get a second photobook for free.

Complimentary Classes

Admission on the House

  • Bank of America’s Museum on Us program offers Bank of America cardholders free access to arts, cultural and educational experiences on September 5 and 6. This includes more than 120 leading cultural institutions across the United States, including museums, historical sites, science centers and zoos.
  • Get free admission to the Young At Art Museum in Davie, Florida, on Friday, September 4th from 5:30 to 8:30, as part of First Fridays. You’ll enjoy free pizza (it is National Pizza Day, after all) and refreshments along with hands-on art activities and games.

Free Financial Seminar

  • On September 9th at 12:30 pm, you can attend a free financial seminar at ING Direct‘s Third Avenue Cafe in New York City (968 Third Avenue at 58th Street). During the one-hour workshop with financial expert Galia Gichon, you’ll learn helpful exercises to achieve financial freedom and develop an instant financial action plan. There will be free food, too!

Free Flu Shots

  • Starting on September 1st, CVS began giving out free flu shots to the unemployed. The program includes on-site flu clinics at One-Stop Career Center locations and distribution of vouchers for free flu shots at CVS/pharmacy or MinuteClinic. (One-Stop Career Centers offer tools and training to job seekers.) Not quite sure how you prove you’re unemployed but you can call CVS’ hotline to ask: 1-888-FLU-SHOT
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7 Steps to Save $1,250 This Winter

September 3, 2009
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stock_Person-with-Scarf-COLDThe Farmers’ Almanac came out this week and guess what? It’s gonna be a brutal winter in much of the country. While oil prices aren’t nearly as bad as they were in years past, my guess is that all of us are going to end up paying a little bit more to stay warm this winter.

With that in mind, I thought you’d find these 7 steps to save $1,250 this winter to be helpful. (These tips are compliments of Consumer Reports.)

To Save $550 on Heating & Cooling
Approximately 40 percent of residential energy bills are spent heating or cooling a home. And if you’ve got leaks, they’re contributing to your higher-than-expected energy bills.

1. To eliminate leaks use a combination of caulk, foam board, expandable sealant, and weather stripping.

2. Check insulation levels to make sure that air isn’t getting in or out via your attic. If the attic has less than 11 inches of fiberglass or rock wool or less than 8 inches of cellulose, you should probably add more. (I’ve always heard that if your can see the floor rafters sticking up in your attic, you don’t have enough insulation. You want it piled up enough so that it’s higher than the rafters on the floor.)

3. Here’s something most people overlook: sealing ductwork. According to Consumer Reports, if you spend $500 to seal leaky or poorly insulated ducts that run through crawl spaces, attics, or other areas that aren’t heated or cooled, you can save about $400 per year.

4. Don’t forget to install a programmable thermostat–they are worth every penny.  Automatically lowering the heating-system 5 to 10 degrees at night and during the day when no one is home can shave up to 20 percent off your heating costs.

To Save About $400 on Water Consumption
You don’t have to be like a camel and not drink water to conserve and save. Here are some tips that everyone can put into practice.

5. Stopping drips is the fastest way to conserve, saving the average household $70 a year.

6. Upgrade to water-efficient fixtures. Low-flow showerheads can save as much as $265 per year on water bills and low-flow toilets can save $90.

To Save $300 on Electricity Use
Don’t worry–I won’t suggest you sitting in the dark to save money on electricity. Here are some more reasonable ways to save.

7. By changing 10 bulbs and replacing three major appliances with energy-efficient models, you can save hundreds a year on your electricity bills. Also keep in mind the Energy Star rebates, which bring in more savings. We’re hoping to get some big bucks back on the Energy Star-rated appliances we secured at a savings for our kitchen renovation.

If you’ve got other “I never knew that” ways to save money on heating, cooling, lighting and water, let us know.

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3 Tips to Get on Track to Save for College

September 2, 2009
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college-graduationThis week and next many public school students go back to school here on the East Coast, my daughters included. And here’s a stat about my own kids that is hard to fathom–my eldest heads off to college in four years.

Like most parents my husband and I have thought about saving to pay for her college education since the day she was born–and her sister, too. And, for the most part, we’ve been pretty good about putting money aside for both of our kids. All birthday, holiday and special-occasion gift money goes right into their college savings account. Additionally, through our state, we have $25 taken out of our bank account monthly and put into a state-run college-savings account we’ve set up for our daughters.

Seems that in all we do, we are the exception, rather than the rule. According to a national study from Sallie Mae and Gallup, four out of 10 parents with children under age 18 have not started saving for college.

With the arrival of the back-to-school season and September as National College Savings month (as well as National Coupon Month, as we learned in yesterday’s blog posting), here are three tips to get you back on track for saving for college–assuming that’s something on your “to do” list:

1. Estimate the full cost of a college degree.
Sallie Mae’s Education Investment Planner is a free tool that can help families estimate future college costs based on school type they envision their child attending. This way you can freak out upfront at how expensive college has become and then, once you’ve calmed down, plan to save accordingly.

2. Open a 529 plan.
529 college savings plans enable families to open accounts to save for higher education expenses while their earnings grow free of federal income taxes. Savings can be used at any eligible two- or four-year college, vocational school or technical institution around the country.  Many states offer incentives to residents ranging from state tax deductions or tax credits to matching grants, and most have low contribution minimums. We’ve had 529 plans for both of our girls since their first year of life.

3. Earn free money.
Register at Upromise.com to start earning up to 25% on purchases for college. (Upromise is that program with the logo of a “U” wearing a mortarboard with a tassel.) Members can receive money back while making eligible purchases such as gas and groceries, dining out, and back-to-school supplies. Rewards accumulate in a member’s Upromise account and can be transferred into a 529 college savings plan account administered by Upromise Investments or used to repay eligible Sallie Mae-serviced student loans–good to know if your kids are already out of college.

How are you saving for college? Post a comment to let us know.

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7 Tips for National Coupon Month

September 1, 2009
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Since September is National Coupon Month, I thought that today, September 1st, would be the perfect day to reiterate some tips on making the most of coupons when shopping. For this task I turned to Sok Verdery, founder and CEO of CouponShack.com, a coupon site that finds and compares discounts, and lets you search by store, brand, category, or product.

Here are 7 tips on how coupon usage can save you hundreds of dollars each year at the grocery store. Sure, some of the tips are no brainers but they’re worth repeating.

1. Check the weekly circulars and sites like CouponShack.com for current grocery coupons. Plan your menu for the week around the sale and promotional items. Whenever possible print out coupons at home, from sites like CouponShack, and bring them with you to the store. As long as your coupon has a UPC code, the supermarket should accept it.

2. Do self-checkout to ensure that the coupons are used properly. This way you don’t have to wait until you’re in the car and reviewing your receipt to discover a mistake. If you do it yourself, with self checkout, you’re in control. (I love this tip!)

3. Save up coupons for when the store is offering buy one, get one free deals. Not only will you be getting one item for free but also you’ll be saving money on the item you still have to pay for.

4. Look for grocery stores that offer double coupons. You can see a partial list of stores by state that honor double coupons here.

5. Don’t be shy about asking for “rain checks” when an item on sale is out of stock. This allows you to come back and get the product for the discounted price once there are more on hand–even after a sale has ended.

6. If a coupon is expired, try to use it any way. It doesn’t hurt and sometimes you will find that they are still active.

7. With dollars’ off coupons on limited items, make multiple purchases to maximize your savings. I did this recently at a clothing store that was offering $10 off when you bought two pairs of jeans. Now, if I bought four pairs of jeans in a single transaction, I could use the $10 coupon only once. However, if I split the purchase into two, I got $10 off my first purchase of two pairs of jeans, and then $10 off the second purchase of two pairs of jeans.

Let us know if you have additional tips and shopping secrets to make the most of using coupons.

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