Monthly Archives: April 2010

11 Tips for Prepping Your House for Summer Energy Usage

April 28, 2010
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There are simple steps you can take to get your home ready for summer energy usage–specifically checking your home’s heating and air-conditioning system. These 11 tips come courtesy of Solarday.com, a solar energy and green lifestyles portal.

1. To begin, change your filters in your heating/cooling system. Change them regularly – at least monthly.

2. Next change your thermostat over to “cool” and test the system by turning the temperature down. If the air conditioner does not turn on, first check to make sure no breakers are tripped. If you can’t figure out the problem, call your heating and air-conditioning repair person. (Don’t have one? Try ServiceMagic, which has always treated me well.) Calling early may keep you from making an “emergency” call when the temperatures are soaring and the repair people are super busy and expensive.

3. If your cooling system turns on, make sure it is putting out adequate cooling. If it’s not, and you can’t figure out the problem, call your heating and air-conditioning repair person. Set the thermostat at 78 degrees.

4. If your air conditioner needs replacement, do it before the hot weather hits. This way you’re not wilting because the heating and air-conditioning repair people are very busy.

5. Your air ducts may need testing for leaks and then sealed. Your attic insulation probably has compacted, so you need to add an additional 5 to 8 inches. Your windows and doors and other parts of the building envelope may need caulking and weather stripping. Think about solar window film to keep out the heat.

6. Consider changing your old thermostat to a programmable one. You can save up to $100 a year by using a new set-back thermostat. If your thermostat is really old and uses a mercury switch (a glass tube filed with yes, mercury, a silvery substance), call your local public works department to find out how to dispose of this toxic material–or log onto Earth 911 to find out where you can dispose of it locally.

7. Installing a whole-house fan that uses cool air in the evening to cool the entire house and push hot air out of the attic area can keep your house comfortable for less cash.

8. If you cover your air conditioner’s condenser unit (the part that is outside the house) for the winter, take off the cover and clean the coils. Clear areas around the condenser unit so that it has full air flow.

9. Ceiling fans can help reduce your need to use the air conditioner. (Make sure you give them a good dusting before turning them on for the first time.)

10. Take down the old storm windows (if you live in areas where you need them) and get those screens cleaned and ready to put up.

11. And don’t forget your car’s heating and cooling systems.  If you haven’t turned on your car air conditioner for months it may be out of coolant, so check it before taking a long, hot, summer drive.

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8 Restaurants Where Kids Eat Free

April 27, 2010
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Who doesn’t love a freebie, especially when the kids are involved? That’s why I’ve put together this alphabetical list of 8 restaurants where kids eat for free. Keep in mind that at some of these eateries, kids always eat for free on a certain night of the week or they may eat for free as part of a special promotion only. I’ll be sure to update this list if you find information to be out of date or incorrect.

Note: none of these restaurants has offered to let my kids eat for free in exchange for me promoting them here. Additionally, I’ve heard about other restaurants offering “kids eat for free” deals, such as Chick-Fil-A, but if I couldn’t find confirming information on the company’s website or Facebook page, or I didn’t get information directly from the company’s PR rep, I considered it unverified and therefore not good enough to include in this list here.

  • Coco’s Bakery + Restaurant is a chain with over 100 locations in California, Nevada, Arizona and Colorado. Kids eat free every Tuesday and Wednesday after 4 p.m.
  • Denny’s has a long standing Kids Eat Free promotion; at Denny’s, kids eat free on Tuesday and Saturday nights between 4 and 10pm. With the purchase of each adult entree over $2.50, guests receive up to 2 free child’s meals for the children 10 and under dining with them.
  • IHOP. Through the end of April, kids eat for free every day at IHOP from 4 p.m. to 10 p.m. Breakfast for dinner anyone?
  • MamaFu’s, with locations in Arkansas, Florida, Georgia, North Carolina and Texas, let’s kids eat free every Sunday at 7.
  • Moe’s Southwest Grill offers Kids Eat Free nights in most markets, but the night varies by location.
  • Quiznos is getting ready to launch a “Kids Eat Free” program the first week of May. Customers will receive one free Quiznos Kidz Meal with the purchase of an adult entree (Sub, Toasty Torpedo, Chopped Salad or Choose 2) all day, every day. Offer is valid for children aged 12 and under when the child is actually present with an adult.
  • Steak and Shake locations lets kids eat free all weekend long, with the purchase of an adult meal costing $8 or more.
  • At Sweet Tomatoes and Souplantation restaurants, kids under age 2 always eat free.
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Scenes from a Yard Sale

April 26, 2010
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This past week I organized a community yard sale. It’s purpose was to be a small fundraiser for our middle school (and we succeeded on that front) but more importantly it was a service we wanted to offer folks like myself, who live in a place that is not conducive to having a yard sale.

All told the event was a success. We sold 27 spots and made a couple hundred bucks to help support middle school field trips and other services that our budget-strapped district can no longer afford to finance. Nonetheless, were I to do this event again, there would be some things I would keep the same and some I would change up. In case you’re planning your own yard sale, you may find these “keep” and “change up” suggestions to be helpful.

KEEP

  • Set up in a high-traffic location. We were lucky enough to secure a large patch of grass on the school campus, which happens to be on a main street in our town. We were adjacent to one of our school’s parking lots that visitors use when coming to our little tourist town for the weekend. Nearly everyone who parks in this lot had to walk by or through our yard sale to get to the sidewalks that lead into town, and this created an ideal high-traffic situation for all of our yard sale participants.
  • Time your yard sale to piggy back onto another event. We chose to have our yard sale on the same weekend when there was a special event going on in town–an annual festival that draws people from hundreds of miles away. Additionally, there was a school play the same day as our yard sale, meaning there would be lots of parents parking in the parking lot near where we’d set up. This combination allowed us proximity to tons of potential shoppers.
  • Use the “Priceline” approach to pricing. I know that many people spent time pricing their items before bringing their things to the yard sale. I was going to do the same until my mother, who was in town to help me out and who is a veteran yard-sale organizer, told me not to bother. She suggested we take a “Priceline” approach and let people name their own price or at least ask us to name the price. Though it was somewhat annoying to keep having to answer “How much is this?” I found that answering, “How does $X sound?” made most people accept our suggestion or at least offer a counter–and then we made the sale.
  • Have plentiful, clear signage directing people to your yard sale. I used a combination of sandwich boards and lawn signs that not only told people when our yard sale was but I also included directional arrows to quite literally point them in the right direction to find our yard sale. While the high-traffic location helped draw drive-by traffic, I know from some of the questions that people asked me when they got to the sale that the signs had helped to draw them in as well.
  • Arrange to have someone take away the leftovers at the end of the day. I knew from talking with my mother about yard sales that she’d organized in the past that having a way for people not to bring home the items they didn’t sell would be a huge selling point. And she was right. So I arranged for a good cause to come at the end of the yard sale, with a big truck, and take anything that the yard sale participants wanted to donate and didn’t want to take home with them. Case in point: it took two cars loaded with stuff for me to set up my yard sale area–I had that much to sell. Going home? All I had was my folded-up table and some empty bins. Best of all: I can walk around my basement again, which is where I’d been storing most of the stuff I was planning to sell at the yard sale.

CHANGE UP

  • Move the starting and ending time up. We were supposed to run from 10 to 3, but as soon as we started setting up around 8:30, we had shoppers. Additionally, by noon, there was a real lull in traffic, and that foot traffic stayed low until about 2:30. So while we had some decent traffic for the last 30 minutes of the yard sale, I don’t know if it was worth waiting around for those two hours for the customers to come back.
  • Have a rain date when it isn’t raining. Originally, our plan was to have a rain date, but our rain date was that the yard sale would go on, rain or shine, the next day. Lucky for us, Saturday was picture-perfect weather. Sunday, on the other hand, was dreary, dark and wet, and if we’d had to have our sale that day, there would have been zero traffic. Despite a special event happening in town, no one was out–and they sure as heck weren’t shopping for yard sales. Next year I’ll be sure to arrange to have a rain date for when it’s not raining and not take the “rain or shine” approach. It won’t be worth it.
  • Let people bring their own tables. We sold spots at a certain price for us to provide a table, and then offered a discount if you just wanted a spot but would bring your own table. While 17 of the 27 people who bought spots wanted us to provide a table, the set up and clean up required to haul out and then put away that many tables wasn’t worth the little extra money that this “convenience” provided. Next year we’ll just sell spots for a fixed fee, and the table situation will be left up to each individual seller.

Bottom line: I got rid of tons of clutter and made some extra money–actually more than I’d ever made at garage sales I’d had in the past or even from selling stuff on Craigslist. Based on this year’s success, I would definitely participate in this kind of yard sale next year. Let me know if you have other ways that you’ve made your own yard sales successful.

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Freebie Friday (April 23-29, 2010)

April 22, 2010
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  • The National Park Service is waiving entrance fees, so visitors can enjoy all 392 national parks for free April 17-25. The freebie is part of National Parks Week.
  • Become a fan of Einstein Brothers Bagels on Facebook, and you’ll be able to print a coupon for free bagels before May 11. The catch? They coupon works on Fridays before 11 a.m. only and only at locations with employees willing to cooperate with the offer. (There are a lot of unhappy “fans” on Facebook who have complained that not all Einstein Brothers locations are honoring the coupon. So bagel buyer beware.)
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Green This, Not That: The Video

April 21, 2010
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Happy Earth Day!

Here is the video from my “Green This, Not That” segment that aired on Wednesday, April 21st on the “10! Show” on NBC 10 in Philadelphia:

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7 Earth Day Freebies

April 21, 2010
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Who wants some free stuff for Earth Day? Here are 7 freebies for you to enjoy. Note: Unless I specify otherwise, these deals are good for Thursday, April 22nd (aka Earth Day) only!

  1. CafePress has partnered with iVillage for the “Picture Your World” online photo contest, where people can submit photos with captions that explain why they are committed to saving the planet and in return you will get a free, eco-friendly bag. (You can actually sign up to get your free bag even without uploading the photo; you’ll just pay $1.25 in shipping.)
  2. Bring your reusable coffee cup to Starbucks on Earth Day, and get a free cup of coffee. That’s pretty straightforward, huh? (I’ll make sure I stop by my local Starbucks while out walking the dog!)
  3. Want a free yoga mat? Collect five used (but clean) yoga mats, send them in to be recycled, and you’ll get a brand new yoga mat in return for nothing at all!
  4. Fresh & Easy Neighborhood Market is giving customers who spend $20 or more in the store a free reusable bag, through April 22nd. (You’ll need to download, print out and bring in this coupon from the Fresh & Easy Facebook page to take advantage of this deal.)
  5. Get a free reusable Wegman’s bag when you bring in plastic bags to recycle.
  6. Kids get a free plant from Pottery Barn Kids when you visit the store between 11 a.m and 3 p.m.
  7. Download a free Jack Johnson song, courtesy of Stonyfield Farm–the folks that make that yummy yogurt.
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Green This, Not That

April 21, 2010
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I’m all about going green when it can save you some green. But sometimes it’s worth it to spend a little bit more on a green product that will benefit you–and Mother Earth–in the long run. Here are the my choices for “green this, not that” for Earth Day 2010, as I discussed on the 10! Show on NBC 10 in Philadelphia today.

Green in the kitchen

  • Choose organic strawberries but skip the organic oranges. Basic rule of thumb: fruits and vegetables that are on the ground and/or don’t have a thick outer skin absorb the most pesticides. If you want to feed them to your family, always spring for the organic version, even if it costs more.
  • Purchase paper towels and napkins made from recycled paper. OK, so you should really not be using paper towels anymore, but if you can’t kick your habit, at least choose paper towels made from recycled paper. Better yet: everyone has to buy toilet paper so go with TP from Marcal Small Steps, which is, in fact, made from recycled paper.
  • When having a picnic, use compostable plates and serving pieces. Again, ideally you’re going with reusable plates at this point but I know that if I’m packing a picnic for the park or even serving dinner out at the pool, I don’t want to deal with anything breakable. So if you have to go with disposable, at least choose serving pieces made from a renewable resource, such as the Core Bamboo Luxeware plates (which you can actually use a half dozen times before tossing them in the recycle bin) or Chinet’s recycled paper plates, which are compostable. (Bill Henley on the 10! Show loved the Core Bamboo plates and utensils so much that I ended up giving him my stash!)
  • Look for non-stick pans made without Teflon. I tried out pots and pans from Orgreenic (sorry for the obnoxious commercial that you’ll have to listen to on this website when you click the link) before bringing them on for my segment today. These pots are made with a ceramic lining that doesn’t give off the same kind of potentially harmful chemicals as studies show that Teflon may. I used the pots for cooking pasta, pancakes, soup and more, and they held up beautifully.

Green for your family

  • Find green dog toys. What I like about this new Naturals line from Petco is that all the dog toys are made without dyes or chemicals–good to know since dogs like mine spend hours chewing on them. Better yet when I was getting ready for my segment, my dog Buffy kept stealing one of the Petco toys (as I tweeted about yesterday), proving that these toys are dog approved!
  • Go with reusable ice and heat packs for treating injuries. I like these Moji packs, despite their price ($50), because of their reusability. While the disposable heat packs are great to stick on and they work well, you do end up throwing them out when they stop working and then you have to buy new. All in all that adds up to more money spent.
  • Try organic lip balm in recycled plastic containers. Sure, Burt’s Bees products cost a bit more than that brand of lip balm that Katy Perry gave new meaning to in her hit song, I Kissed a Girl, but if you’re looking for a lip balm that’s green and eco-friendly, this is the product for you. Not only are the plastic containers made from recycled plastic, but also the company has stopped shrinkwrapping the product–that had added up to 900 miles a year of shrinkwrap it had been using.

Green Around the house

  • Pick recycled floor coverings. If it’s important to you to have sustainable floors, then you’ll want to choose green floor coverings. I’m fond of the FLOR carpet tiles, because they are made from recycled fibers and they are recyclable as well. Best of all, if you ruin a portion of the carpet, you only need to pull up the wrecked tile and replace that one small section. Also, EcoDomo has flooring made from recycled cork and leather. Talk about rich-looking floors!
  • Try tools that let you clean your house without any chemicals. I tried out the Shark Steam Mop, which cleans your floors using steam only, and I was pretty impressed with the results. I like that the cleaning “head” is a reusable, washable pad and it has an attachment so that you can steam clean carpets as well as smooth surfaces. What I really like is that you no longer need to purchase cleaning chemicals or replacement pads, which add up over the long run. This one’s a keeper!
  • Choose organic plant food. My friends and I are planting our own vegetable garden this year, and our gardening guru advised us that it wasn’t worth the money to buy organic seeds but it was totally worth spending extra on organic plant food, such as the stuff I got from the Happy Gardener.
  • Find greener logs for the fire. Sure, the wood I can cut down from my forest is free, but logs made from recycled fibers actually burn greener–and longer and they’re easier to start (she says from experience, having used them over the winter). What’s even cooler about products such as the Enviro-Log is it’s made from recycled wax boxes, making it green through and through.

Disclosure: Many of these companies sent me products for free to try them out for my segment. I have only included those that I have either a) purchased before on my own or b) used ahead of time so that I can vouch for them. I will be returning these products to the companies that want them back. Otherwise, whenever possible, I give away these freebies so as not to present a conflict of interest.

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3 Reuses for Old Pillowcases

April 19, 2010
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One of my favorite ways to use pillowcases is to store the sheet sets they belong to right inside the pillowcase. This makes changing the sheets a snap, since I don’t have to go hunting for anything.

But sometimes pillowcases get orphaned like socks or they get so threadbare that you dare not put them on your pillows anymore. So what are you to do with them, especially if you don’t want to throw them away? Here are 3 creative reuses for old pillowcases that I thought could save you some money and stick with this week’s green theme.

  1. Turn a pillowcase into a clothing cover. Those plastic bags that clothes come home from the dry cleaner in are the worst thing that you could store your clean clothes in–that’s because they encourage mildew. Pillowcases, on the other hand, will breathe. So cut a hole in the sewed side of an old pillowcase and slip it over any clothes you’d like to protect. (I read this tip in Good Housekeeping’s awesome 125th anniversary issue, May 2010.)
  2. Slip them over a fan to keep dust off the blades. Even better you can use them to dust the fan, and all the dust will fall into the folds of the pillowcase!
  3. Pack them as a dirty laundry bag. Everyone comes home from vacation with dirty laundry. Rather than mix stinky clothes with the clean ones, pack a pillowcase or two that your family can use for holding dirty laundry along the way.

Do you have other creative reuses for pillowcases?

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6 Tips for Successfully Consigning Clothing

April 18, 2010
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I decided to clean out all of my dresser drawers and my closet this weekend. I was long overdue to update my wardrobe, and now that I’d purchased some new pieces, I knew I needed to get rid of some stuff, too. This is the best way to keep my clutter in control–getting rid of something when I buy something new. One in, one out, that sort of thing.

While much of the stuff I found to giveaway was good enough to donate to my local thrift store, a number of pieces were still in excellent enough condition that I’m going to consign them.

Considering it’s Earth Week, I felt it was important to point out how consigning and donating clothes are both excellent ways to reduce your waste and keep your items out of landfills. And you might make some money from it–if not at least get a tax receipt for your donation.

If you’re interested in consigning some of your things, here are 6 tips to keep in mind so you can make the most money possible from your consignment.

1. Make sure your clothing is seasonal. The consignment store I use actually publishes a calendar on its website that provides a month-by-month explanation of what kinds of clothing it is looking for at that time of the year. April is when this store is stocking up on summer clothing, which is perfect for me, since most of the clothing I pulled out of my closet is ready made for warm weather.

2. Keep a sense of your clothing’s fashion sense. To make money on things like denim, they have to have a fashionable look to them. That means no Mom jeans and nothing with a bell bottom. Stores want jeans with a lower rise and a darker wash.

3. Brands are what command the big bucks. Many thrift and consignment shops have guidelines that spell out exactly what brands sell well in their stores. One shop where I bring my clothes explains that they’ll take anything from Gap to Gucci. The teen-oriented shop where my daughters sell their clothes says straight out what their three As of consigning are: Abercrombie, Aeropostale and American Eagle.

4. Clothes must be clean and fresh smelling. Clothes that you consign can’t have any stains or spots on them, and should have been laundered after their last wear. Also, since no one wants to buy a stinky piece of used clothing, at least spray the clothes with Febreze–my favorite tool for freshening up something–before bringing them into the store.

5. Prep your clothes to make them look their best. Take the time to prep your clothes for sale by ironing shirts to a crisp finishing, replacing any missing buttons, zipping up zippers so that jackets and pants fold nicely, and trimming off any loose threads or piling on sweaters so they look neat and tidy.

6. Follow the stores rules. In addition to following my local consignment shop’s seasonal calendar, I also follow their other rules–such as that you have to bring in 10 salable items in order to “make a consignment.” Also, I make sure that I’m bringing in clothing that makes sense for that store–i.e. work clothes, fashion-forward casual clothing and professional-looking attire. All the other stuff? I donate because I know the owner won’t take it to sell. I don’t bring anything in on hanger–verboten!–and I respect the posted drop-off and pick-up times.

Hopefully this advice will help you make the most from whichever articles of clothing you decide to consign in the near future.

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Freebie Friday (April 16-22, 2010)

April 15, 2010
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Next week I’ll have an post devoted entirely to Earth Day freebies. For now, though, enjoy these two items in this week’s Freebie Friday roundup.

  • The National Park Service is waiving entrance fees, so visitors can enjoy all 392 national parks for free April 17-25. The freebie is part of National Parks Week.
  • Become a fan of Einstein Brothers Bagels on Facebook, and you’ll be able to print a coupon for free bagels before May 11. The catch? They coupon works on Fridays before 11 a.m. only and only at locations with employees willing to cooperate with the offer. (There are a lot of unhappy “fans” on Facebook who have complained that not all Einstein Brothers locations are honoring the coupon. So bagel buyer beware.)
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5 Surprising Uses for a Vegetable Peeler

April 15, 2010
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We had grilled chicken over greens for dinner last night, and not surprisingly I used my vegetable peeler to prepare my cucumbers to go in the salad. I also wanted to include some grated cheddar cheese over the top, but couldn’t find my cheese shredder–it’s still in the laundry room from my making my own laundry detergent. So in a pinch I grabbed my vegetable peeler and, voila, shavings of cheese, not so much shreds, but it worked nonetheless.

Intrigued, I did some research and discovered these 5 surprising uses for a vegetable peeler, none of which involves peeling any vegetables.

  1. Shaving off pieces of hard cheeses, such as those you might serve with pasta. (I’m guessing these work a bit better than the cheddar, which stuck to the blade.)
  2. Creating lemon zest–or orange or lime zest.
  3. Getting chocolate shavings to use when baking.
  4. Uncovering the scent of an older soap that’s lost its scent–you shave off a piece to release the aroma.
  5. Sharpening a pencil–love this idea so much better than using a knife.
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10 Most Commonly Overlooked Tax Credits and Deductions

April 14, 2010
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It’s tax day tomorrow. (You knew that already, right?) Are you sure you’re getting all the deductions and credits that you’re eligible for in 2009? For example, did you do a renovation or improvement to your house this year? Did you know that if you made energy-efficient changes, you can take off a portion of that cost on your taxes? For us, because we bought the most energy-efficient doors and windows possible–and saved the receipts–we are able to get the full $1,500 tax credit on our 2009 income tax return, courtesy of the American Recovery and Reinvestment Tax Act of 2009 . Unfortunately, we are likely the exception, not the rule, when it comes to credits and deductions.

According to Jackson Hewitt Tax Services, many Americans miss out on hundreds of dollars in potential credits and deductions by simply neglecting to include them on their tax returns. Here are the 10 most commonly missed tax deductions and credits:

1. Education: student loan interest payments (up to $2,500 for payments made in 2009); parents with a qualifying child in school can also claim the Tuition and Fees Deduction, if they meet the eligibility requirements.

2. New Car: sales tax paid to buy a new vehicle is deductible (phases out for high income earners), regardless of whether you itemize deductions or not.

3. Work: professional journals, magazines, and newspapers; required uniforms and work clothes not suitable for street wear; dues to professional organizations; and business expenses; also, through the Self-Employed Health Insurance Deduction, those who were self-employed during 2009 can deduct up to 100 percent of medical insurance costs for themselves and their families.

4. Real estate: the first $500 (or $1,000 if married filing jointly) of real estate taxes paid can be added to your standard deduction, or you can deduct all real estate taxes paid if itemizing deductions.

5. Medical: crutches, canes, orthopedic shoes, hearing aids, eye glasses, contact lenses; hospital fees for services such as nursing, physical therapy, lab tests, and x-rays, if you spent over a certain amount

6. The Earned Income Tax Credit: Changes to this credit for tax year 2009 include a new provision to allow those with three or more children a chance to qualify for up to $629 in additional credit, as well as increases in the amount of the credit and the income limits to qualify.

7. The Child Tax Credit: Taxpayers can claim up to $1,000 for each qualifying dependent child who was under age 17 at the end of 2009.

8. The Additional Child Tax Credit: Taxpayers who earned $3,000 or more and have dependent children under the age of 17 at the end of 2009 may qualify for a refundable credit up to $1,000 per child.

9. The American Opportunity Tax Credit: This covers up to $2,500 (with 40 percent refundable) of qualified tuition and fees or related higher education expenses, such as books and software; the student must be enrolled in a qualifying institution for at least half-time, in one of the first four years of his or her post-secondary education.

10. Adoption Credit: Those who adopted a child and paid adoption expenses in 2009 may be able to take a credit for qualified expenses of up to $12,150 per child.

Also, if you work and send your child under 13 to camp during the summer, make sure you get that camp’s tax ID number and include it as part of your child-care costs, which are deductible.

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Top 10 Spendthrift States

April 13, 2010
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Bundle.com, a new money-comparison website, recently did a survey on Americans’ spending habits, broken down by the 50 states. Turns out it’s nearly impossible to living frugally in states where you’re surrounded by spendthrifts–especially if you live in one of these top 10 spendthrift states. (The number in parentheses is the amount residents spent, on average, on things like eating out and shopping.)

1. Connecticut ($57,331)

2. District of Columbia ($49,430)

3. Hawaii ($46,518)

4. California ($42,962)

5. Texas ($42,623)

6. Arizona ($41,752)

7. Illinois ($41,627)

8. New York ($40,783)

9. Maryland ($40,538)

10. Washington ($40,480)

Pennsylvania, where I live, ranked #42 (that surprised me) with annual spending of $32,452. My neighbor to the East, New Jersey, was #21 with $38,634 in spending. By the way, the national average is $37,782.

If you’d like to see how your state ranks, visit the Bundle Report 2010 website.

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5 Ways to Avoid Unnecessary Fees

April 11, 2010
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Are you wasting money by being a no-show?  The folks over at BillShrink, the independent and free money-saving site that saves families money on every day bills (think of them as personal finance matchmakers),  have been nice enough to collect a list of the most expensive things that you want to carefully cancel – to save you and your family big bucks in the process! Here are 5 early termination fees that you can avoid paying.

1.      Is Air Travel a Rip-off? We know that as a parent, things often “just come-up,” so most of us end of paying hefty fees to move a flight a day or two. Those cancellation fees really add up!

The Fix:  Some travel agencies and third-party airline booking agents will ACTUALLY absorb the cost of change-of-flight or cancellation fees, that could be one perk of having someone plan your vacation. Also, keep a look out for programs like Priceline.com’s Priceline Negotiator policy that claims to eliminate change or cancel fees on the published price of purchases. Also, factor any change-of-flight or cancellation fees into the estimated cost of your travel, to prepare for the worst case scenario (in which you are forced to charge an exorbitant amount on your credit card for a flight you never boarded).

2.      Watch Out For Cell Phone Early Termination Fees. Beware the terms of “authorized dealers.” As three out of four of the major U.S.-based cell phone service providers state, authorized dealers may require additional fees.

The Fix: Read the fine print and know what your carrier’s ETFs are. Are you likely to keep the phone plan for the minimum term of service?  Do you plan to remain in the location of service coverage for the minimum term? If the answer to either question is no, consider a month-to-month contract option or a pre-paid cell phone.

3.     Read The Fine Print on Cable Companies’ Contracts. As various sports seasons starts, you may get talked into jumping ship from your  long-time cable provider to go for the package that gets you the shows to keep the family happy. But be careful, canceling a TV service is not cheap!

The Fix: As always, read the fine print before you sign a service agreement. Make sure that if you are buying into a bundle package like the Comcast Cable “triple-play”, you can cancel any of the three services while keeping the others at no cost to you.

4.      Make Doctor Appointments Carefully. We know family life is hectic, but making sure you can get to that doctor appointment can save you some serious cash. If you go to a private practice, you notice your doctor has started charging a no-show or cancellation fee because the overhead cost of operating a small office with few licensed practitioners can be costly. When patients cancel appointments at the last minute (typically less than 24 hours notice), practitioners lose treatment or prescription revenue, or the cost of the visit.

The Fix:  To avoid fees, plan your visits far enough in advance so you can commit to the appointment or cancel ahead of 24 hours before the visit – otherwise, have your credit card ready.

5.      Reserve Hotel Rooms With Care. Many, if not all, hotels have a cancellation policy that requires a fee to cancel a reservation. In some instances a traveler could end up paying for nights that they did not stay at the hotel.

The Fix: To avoid these cancellation fees, know the hotel’s policy before you make a reservation. Also, book only for nights you are sure you will need to stay in the hotel.  If you book your trip through a third party like Hotels.com or Expedia.com, read up on their policies. You may want to call the hotel directly to find out what it will cost if you miss your stay.

These are some of the most common early termination or cancellation fees. Of course there are many more, like missing a salon appointment. Now you can even get penalized if you cancel too many restaurant reservations or don’t show up, especially if you book those reservations online. So make sure you plan ahead accordingly so you don’t have to pay extra or unnecessarily.

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Freebie Friday (April 9-15, 2010)

April 8, 2010
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Enjoy this week’s freebies. Also, if you are aware of any Earth Day freebies, please let me know; I’ll be doing a roundup next week of all the free stuff you can get on Earth Day, like the first free stuff for Earth Day post and then a second post on Earth Day freebies I did last year on this topic–they were quite popular!

  • MaggieMoo’s Ice Cream and Treatery has announced that on April 15, it will give customers a free “slice” of its new, one-of-a-kind MaggieMia’s Ice Cream Pizza from 3 to 7pm.
  • Through April 11 when you recycle your cell phone through OnTrac, you’ll receive a free Eco-Friendly Tote Bag that can be reused for groceries, school books, shopping and more. Also, the company not only recycles your phone for free but picks up the shipping, too. Send an email to marketing@ontrac.com, and OnTrac will send you a waybill and polybag to send in your cell phone.
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How I Saved $19 At the Supermarket

April 7, 2010
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I introduced the concept of coupon stacking in a blog posting last month. I’ll admit that I’ve done my fair share of coupon stacking but not to the extent of this extreme couponer that I read about in the Kansas City Star earlier this week. This woman is so adept at using coupons that sometimes the stores end up paying her money back on her purchases.

This story inspired me so much so that when I needed to shop a few days ago for, um, certain, well, feminine products (we are a household of three females, after all), I decided to give extreme couponing a try. Here are the steps I took to save $19 on that shopping trip.

  1. Stop and Shop was having a Procter and Gamble promotion, whereby if you spent $25 in P&G products, you got $5 off your shopping order. Not a future order, via a coupon that printed out at the checkout counter, but $5 off instantly.
  2. Products like Always were on sale, 2 for $11. (They’re normally $7 each.) Tampax was on sale as well.
  3. In addition, certain products in the Always line were being discontinued and were marked down significantly to move them off the shelves.
  4. I had 6 P&G coupons that I got from the Sunday paper. (I could have also gone to this P&G coupon site online to print out coupons.) Two were buy one, get one free, two were for $2 off and two were for $1 off.
  5. I selected one of the products that were 2 for $11, giving me two items in my basket.
  6. I then selected the two items that qualified for the buy one, get one free. One of these was the product on clearance at $2.34; the other was $3.99.
  7. I then selected the rest of the items on my list, giving me a total of eight items in my basket.
  8. Of those, six would qualify for coupons: 2 @ $2 off; 2 @ $1 and 2 @ free!
  9. When I got through the checkout line, my coupon savings added up to $14.
  10. When I reviewed my receipt I noticed that I did not get the $5 off instantly, even though I’d spent $37.79 on P&G products.
  11. The customer service desk couldn’t figure out what had gone wrong, and after 10 minutes of trying to finagle coupon codes, the clerk finally opened the register and handed me $5
  12. Total cash spent: $24.79. Total savings: $19

The shopper in the Kansas City Star story said that she felt “guilty” at first about being so clever about using coupons, and I did, too–waiting for the clerk to tell me that I couldn’t use so many coupons at the same time. But she kept ringing up the coupons, and my total kept going down.

I realize that if I hadn’t purchased eight products but only the six I needed for the coupons, I would have saved just as much but spent less out of pocket–$27.79 before savings; $14.49 after savings. But, like I said, we’re a household of three females, and we needed to stock up.

What about you? Do you have extreme couponing stories to share? What’s the most you’ve ever saved at the supermarket?

P.S. Because Stop and Shop is still one of the supermarkets that rewards you for bringing your own reusable bags–$.05 per bag–I actually saved an additional $.30 in bag credits, too.

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16 Things You Could Win in the Earth911 Earth Day Promotion

April 7, 2010
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I normally don’t cover contests, sweepstakes and giveaways but since I am participating in this promotion–a copy of Suddenly Frugal is one of the items people can win–I thought my readers might like knowing about it, in case they want to enter, too!

Earth911.com recently launched a special section of its Web site to mark the 40th anniversary of Earth Day. The Earth Day channel not only features 40 tips about reducing, reusing and recycling, but also hosts a Twitter contest beginning March 29 and ending in a giveaway on Earth Day, April 22.

During the contest, two tips will be released each day on the Earth Day channel, counting down to Earth Day itself.

By simply tweeting the channel’s Web address (http://earth911.com/earthday/) each day a new set of tips is released, members of the Twitter audience will be entered into a drawing to receive eco-friendly prizes such as:

  • One home composting starter kit, courtesy of SunChips
  • Two copies of Disneynature’s EARTH, courtesy of Disneynature OCEANS
  • One historic tree sponsorship, courtesy of American Forests
  • One copy of “Ten Ways to Change the World in Your 20s,” courtesy of author Libuse Binder
  • One Interactive Boxed Set of stationery, courtesy of Ecosaurus
  • Two desk clocks and one photo frame, courtesy of Corrugated Art
  • One, certified CarbonFree Certified GoECOlife SOHO 8-Sheet ULTRA-QUIET Paper Shredder, courtesy of Carbonfund.org
  • One copy of the e-book “Small Spaces, Fast Paces: New York Organizing Secrets,” courtesy of author Sharon Lowenheim
  • Three pairs of Performance Toesocks in CoolMax EcoMade, courtesy of Injinji
  • One copy of “Celebrate Green!” courtesy of Celebrate Green!
  • One iPad sleeve, courtesy of First World Trash
  • One therm-o-tote, one acrylic cup, one stainless steel water bottle, and two reuseable grocery totes, courtesy of LittleFeet Big Feats
  • One copy of Suddenly Frugal: How to live Happier and Healthier for Less, courtesy of author Leah Ingram
  • Two copies of The Everything Green Wedding Book: Plan an Elegant, Affordable, Earth-Friendly Wedding, courtesy of author Wenona Napolitano
  • Eco-friendly T-shirts, courtesy of Earth911.com
  • 4 gift packs containing various combinations of eco-friendly T-shirts, stickers and reusable bags, courtesy of ecominders

The contest will culminate on April 22 when the winners from the giveaway will be selected. Want to join in the fun? Visit the channel for official rules, a list of prizes and daily tips to tweet – and don’t forget to follow Earth911 (@Earth911) to keep up on all the action.

SunChips will also sponsor tips about newly introduced compostable products, as the company recently launched the world’s first 100 percent compostable chip bag that decomposes in 14 weeks when placed in a hot active compost bin.

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5 Ways to Feed Your Family with Less Waste

April 6, 2010
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(This guest post comes courtesy of Rubbermaid, whose products I used in my home but which did not pay me or supply any freebies in exchange for me running this guest post. I just genuinely liked the information after I saw a link on the Rubbermaid Twitter feed. I asked for permission to reprint the post here, and Rubbermaid gave me its blessing.)

By making a few easy (yes, easy!) adjustments to your on-the-go routine, you’ll not only save resources—you may save money, too. Here are five ways to feed your family with less waste overall.

1. Ban the juice box
Old habit:
Passing a juice box to your kids in the back seat of the car.
New habit: Instead fill small reusable juice boxes or bottles with your kids’ favorite drinks from the fridge and take them with you. If every student at your child’s school did this, it would keep approximately 107,000 disposable juice boxes from heading to the landfill every school year. (We always send our girls to school or sports practices with reusable containers filled with water. When our girls were little, their juice boxes were the refillable Rubbermaid kind that we could use, then put in the dishwasher, then us again ad infintum.)

2. Bag your own snacks
Old habit: Putting prepackaged snack foods in children’s lunchboxes.
New habit: Make your own snack packs by dividing dry cereal, trail mix, cubed cheese, or sliced fruit among reusable single-serving containers. Not only do home-packed snacks reduce waste, they’re healthier than most convenience snacks, too. (They’re also cheaper! Yesterday, I packaged my daughters sandwiches in a reusable container. One of them wanted cantaloupe so she got it, cut up, in a reusable container with a fork from our silverware drawer.)

3. Break the bottled water habit
Old habit: Buying bottled water to drink at work or the gym.
New habit: Drinking lots of water is important indeed. Just keep a reusable water bottle at the office and in your gym bag for filling up at the water cooler or tap. (With our kitchen renovation almost done and the water line hooked up to our new refrigerator, we now have easy access to lots of ice and water, which makes filling our bottles that much easier–and colder.)

4. Freeze it!
Old habit: Tossing out Monday’s lasagna because you can’t face Day Three of leftovers.
New habit: Freeze leftovers in a durable food storage container. Then bring them to work for lunch in a week or two when when you’re excited, not bored with your home cooking. (Last night’s leftovers are waiting to be today’s lunch, thanks to the reusable container I have them stored in. No reason to throw out perfectly good–and free–food!)

5. B.Y.O.D.B. (bring your own doggie bag)
Old habit: Having a restaurant wrap up whatever you don’t finish to take home.
New habit: Carry compact reusable containers so you always have an instant doggie bag when you need one. (This is a concept I’d never considered. How fun and something I’ll have to try the next time I treat myself to a dinner out.)

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6 Tips for Stocking Up After Easter

April 5, 2010
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Even if you don’t celebrate Easter, now is a great time to hit the stores and stock up on supplies that you can use and enjoy long after this spring holiday has come and gone. Here are 6 tips to make the most of any money you might spend at an after-Easter sale.

  1. Pick Up Pink and Purple Everything. There was a long time when my daughter Jane favored anything pink and my daughter Annie loved everything purple. During that period I would take advantage of after-Easter sales to get them clothing and accessories in pink and purple, since store aisles always seem to be bursting with items in these hues at Easter.
  2. Get a Sweet Deal on Candy. Halloween may be six months away, but if you can get individually wrapped candies now for dirt cheap prices, who cares if they come in Easter colors instead of Halloween colors? Throw the bags in your freezer and fuggedaboutit until October! Your budget will thank you.
  3. Bag Some Bargain Baskets. Sometimes I like to bring housewarming or hostess gifts in a clever container, and that container of choice is often a basket. Now is a great time to find bargains on baskets that stores stocked up but never sold for Easter.
  4. Buy Next Year’s Dress-Up Clothes. When my daughters were little, I always stocked up on dress up clothes for the next year’s holiday right after the current year’s holiday had passed. I would buy pretty dresses in a couple of sizes, and then come the next year, whatever didn’t fit, I would sell on eBay. Of course, this stocking up makes sense only if you can get these fancy clothes at deeply discounted prices.
  5. What’s Good for the Easter Bunny Is Good for a Baby. Have you ever looked closely at the kinds of decorations that stores market for nurseries–baby bunnies, chicks and cute little lambs? Well, these are the same iconic animals you’ll often find at Easter time. So if you’ve got a baby on the way–or know someone who does–you can stock up on stuff that was designed for Easter but would work equally well as a gift for a baby or new parent.
  6. Stock Up On Stuffed Animals. Keeping with the kiddie theme, a great favor to give at a child’s birthday party is a stuffed animal. Right about now you should find plenty of stuffed animals on sale–especially if they are of the aforementioned chick, bunny and lamb persuasion.
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Is Feedburner a Day Late and a Dollar Short?

April 5, 2010
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My apologies to all of my subscribers who have been wondering where their Suddenly Frugal subscription has gone to. For some reason for the past week Feedburner had been a day late in sending my blog out.

When I publish the blog on a Monday or whichever day of the week it is, Feedburner doesn’t pick it up to email to my subscribers–you!–until 24 hours later. For example, today’s blog posting on newspaper coupons went live at 12:15 a.m. Eastern time (yes, I pre-write them so I’m not up at midnight working on my blog) yet when I logged on at 6:35 a.m., my emailed version of the blog was not there. It’s there on the Feedburner website, showing my feed is up to date, yet Feedburner, which is supposed to email the blog between 3 a.m. and 6 a.m. Eastern, isn’t doing its job.

So what’s the deal?

I’m posting this missive live at 7:04 a.m. Eastern on Monday, April 5th. I wonder when it will show up in your in box.

If anyone else is having this problem or has figured out a solution, please let me know. There is no actual live help at Feedburner (aka Google), and posting on the support forums does nothing either.

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