Wednesday, September 24, 2014

Things to do before cold weather gets here

1. Check insulation in your home and caulk around windows and wherever it's needed.

2. Get your car serviced to make sure the antifreeze and tires are up to par, especially. Get a tune up if needed.

3. Check the coat closet to make sure everyone has enough cold weather gear. Jackets, coats, snow shoes, mittens and hats need to be in good condition.

4. Have your furnace checked or your chimney cleaned or whatever you use to heat your home, serviced and ready to go. This includes filters and thermostats.

5. Bring in plants that need to winter over in the house. Mulch over other plants that need it and clean up the garden.

Enjoy the weather right now! It will soon enough be cold!

Monday, September 8, 2014

My Personal Favorite Frugal Resources

True frugality ranges all the way from quick actions that save a few pennies to more complex activities that save dollars and to even more complex concepts that help us use/keep/invest/grow those pennies and dollars saved.

The first one is Amy Dacycyzn's "Tightwad Gazette." That series is the backbone of saving pennies every day and in many different ways. They add up; she proved that. If you don't know, read her story.

Another good classic is "Miserly Moms" by Jonni McCoy. She tells her story and shares what she discovered about saving as much as she was making in a career.

Beyond that, The Simple Dollar is a blog about money, frugality and common sense that has gone beyond just being a blog. Trent has taken it to a whole new level.

Dave Ramsey's book "The Total Money Makeover" has changed many people's financial lives completely. It's definitely worth reading for anyone.

If you're looking for inspiration, for specific tips or for a good overall look at the frugal lifestyle, these four resources will help!

Monday, September 1, 2014

The Loss of Natural Resources

I'm not talking about clean water, clean air or original stands of forest. I'm talking about resources that frugal and crafty folks rely on to save money, to make things for the home and for gifts and to keep the kids occupied.

I can see the handwriting on the wall. Plastic grocery bags have been under attack for some time now, and every so often, we hear a warning that "next year" all of those freebie garbage bags, wet clothing bags and barf bags will be gone.

Another resource that's under attack is those cardboard tubes they put in toilet tissue. What will we use to corral electric cords or start seeds in?

We better start hoarding junk mail and cardboard boxes. I'm serious. Kind of, anyway. ;)

Thursday, August 28, 2014

It's Zucchini Season!


You know what I mean. You planted two zucchinis, just in case one of them didn't make it. Of course, they both did and now you can't give them away fast enough. Or your neighbor did that and keeps leaving sacks of them on your doorstep when you're not home.

It's a shame to waste good food, of course, but there are only so many ways to use zucchini! Maybe you haven't heard about all the ways, though. Here are some ideas that could help:

Make pickles from them, just like you would with cucumbers. Use the same spices and the same method, but don't try to ferment them like old fashioned pickles. Use the very young ones, around 4 to 5 inches long. You can make refrigerator pickles or can them, just like cucumber pickles.

Zucchini chips are a great snack any time. Slice them thinly, sprinkle a little salt on them and dehydrate until they're crispy. That's all you have to do, but be careful to not overdo the salt! (Make a few without salt and save them to use in soup and stew when the weather gets cold.)

Make a pie that tastes and looks like apple pie, but is made with zucchini. Even the larger ones work find if you take out the more mature seeds. Peel and cut them in half, then slice into 1/4 inch slices and just follow your favorite apple pie recipe. You can freeze these before they're cooked, so make a few for winter eating
Chunk zucchini and add chopped onions, cooked, crumbled sausage, diced or grated cheese and toss. Make up a bowl of cornbread batter and pour it over this. Bake at 400 for about a half hour.

Got some big ones? Split them in half and remove the seeds, then stuff with a cooked meatball mixture or chicken and rice mix. You can also use rice, mushrooms, onions and tomato sauce for a meatless dish. Bake at 350 until the squash is tender. Let your imagination roam with this one.

Do you have any zucchini recipes to share?? Please do in the comment section.

Wednesday, July 30, 2014

How Can I Make a Lot of Money Quickly?

Here's a quote from an email I received: "We are in debt bad. Not like a poor person or anything like that but no kind of debt is good either. Please email me some good ideas of making big bucks in a short period of time for a long period of time. I will forever be thankful of your services if you would help us find something that will work." 

First of all, I'm not a proponent of making "big bucks" quickly. The internet and the mail are both full of scams that say they will do just that. They are only scams though, and will not bring you fast money (although you may lose money quickly to them), as good as they sound.

Then there are other ways of making a lot of money quickly, but they're not legal... so on to the real solution:

It's never how much money you make or how fast you make it, but it's how you use the money you make that makes the difference. If your family is in debt, no amount of money will help unless the basic attitude that got you in debt is changed. If that doesn't change, any greater amount of money will simply be eaten up with things and more things and can even put you in deeper debt.

The answer to your quandary is not making a lot of money quickly as much as it is controlling the money you already have. It's entirely possible to get out of "normal" debt and have money in savings on ANY income. Money problems are never resolved by how much we have, but how we handle what we have.

Tuesday, July 22, 2014

Are You Really Frugal?


Do you save water from the shower or in a pan in the kitchen sink to water houseplants, the garden, clean the floor, etc.?
Do you water down shampoo and liquid hand soap? (Some of it actually works better that way.)
Do you make your own plastic scrubbies from vegetable net bags?
Do you borrow books and DVDs rather than buy them? Shop at thrift stores and on sales racks exclusively?  Refinish furniture rather than buy something new (or second hand)?
What about transportation? Do you drive a car until it really needs to be replaced (rather than just when you get "tired" of it).

These are some of the ways that frugal people save their money and their sanity for more important things. 


Sunday, July 6, 2014

Who Are the Frugal People?

Note: This was originally published May 17, 1999, when I was the Frugal Living Guide for About.com Other sites have since picked it up and published it, but I own the rights to it. I am not complaining; on the contrary, it's a compliment when people think what I have written is worth repeating - as long as they attribute the work to me.
 

Frugal people are familiar with things like self-sufficiency, homeschooling, midwifery, simple living, alternative energy, dumpster diving and wild food foraging. We are also familiar with budgets, bank rates, and personal finance.

We live in every circumstance and situation imaginable, from past the end-of-the-road rural cabins, to highrise apartments. Some of us are passionate about the natural world around us, others feel as if allowing our hair to grow an extra inch is going natural. For some, "back to basics" means cooking a meal instead of eating out, for others, it means sawing the winter's wood with a crosscut saw.

Just as we are a diverse, broad ray in the spectrum of lifestyles, we are also perceived in many opposing ways.

"Frugality" can conjure up visions of continual black bean soup and shoes with cardboard insoles. "Mean" and "stingy" are the synonyms that come quickly to mind. Doing without, deprivation, and poor, are other words used to describe a state of being that's a threat rather than a blessing; a thing to be avoided rather than sought after.

But frugality (synonyms: economical, money-wise, canny) can also mean creatively making the available money do as many things as possible, down to creating and maintaining a comfortable savings account and living debt-free.

What and who are we, really? Most of us will find ourselves on neither end of this seesaw -- and seesaw it is. Nothing ever stays balanced exactly, so there is always a little adjustment to be made here, a little tuck to be taken there. Probably the only thing that can be said of frugal people is that they are determined to get the most and the best from the resources they have.

Most of us simply continue trying to be more and more frugal in various ways, but there are those who have the courage to completely sell out. Voluntary simplicity, they call it. A simpler, more frugal life isn't limited to those who have already made it, and changed their minds, either.

In the final test, living frugally is all about choices... yours and mine. When we begin to make conscious choices about how, when, and if we use your resources, we are immediately more in control. And when we're in control, the responsibility is ours -- for a more frugal tomorrow, personally and globally.

Sunday, June 22, 2014

Old Tshirts

Besides using old tshirt and tshirt material for "yarn" to make rugs, bags and the like, the material can be used in a lot of different ways!

  • Cut the front and back out, then fold them in fourths and sew them together at the edges. Sew an "X" or other design all the way across it to hold the layers together: Hot pad made!

  • Cut two or three inch squares and use them for disposable makeup or nail polish removal.

  • Use them for padding in potholders.

  • Snip them in small pieces and use as stuffing in toys, throw pillows or door draft stoppers.

  • Cut the neckline bigger (no need to hem as it will curl), sew the bottom together and put it on a hanger on the wall to hold rags, plastic bags, sewing projects, etc.

  • The sleeves and any leftover pieces make great dust cloths.

Other ideas? I'm sure we all have a few old tshirts around!

Monday, June 2, 2014

Hot Days Ahead! Cool and Frugal Drinks to the Rescue

Cold drinks are so welcome during the heat of summer! It can be expensive to try to keep up with the demand, but don't whip out the credit card just yet. There are some things you can do to quench thirst without that.

Plain old fashioned powdered fruit ade drinks are still inexpensive. Add your own sugar to save money. You can sometimes find packets of lemonade or other flavors on sale; stock up if you can because it also makes excellent snowcone types of treats. To do that, mix it with half the water it calls for and all the sugar. Crush ice or, if you have a powerful blender, make snowcone consistency, then pour the ade over the ice.

Real lemonade is not expensive, if you start with fresh lemons. Heat them, then roll them against the counter while they are still hot and you will get the maximum amount of juice. Pick out the seeds if there are any, and add water and sweetener to taste. A little lemon juice will go a long way, so don't overdo it. A couple of lemons will make several glasses of lemonade.

Tea is always a good choice, but if you don't want the caffeine, buy decaffeinated tea. Loose leaf tea makes the best iced tea, but it's hard to find so make it with teabags made for hot tea. You can buy a box of 48 teabags for around $3.00 and that's pretty frugal.

It will take one teabag per glass. Heat a cup or two of water to boiling and pour over the teabags in a cup or other heat safe container, let it steep for at least five minutes, then remove the teabags and add water to equal as many cups as there were teabags. Add sweetener if you want it and pour over ice.

If you still want sodas, think about getting a Sodastream. No, it's not frugal, by the time you buy their syrups, but there are ways around that. Those inexpensive packets of fruit ade come in a great variety of flavors. If you make a syrup and add the flavors to it, you can use that to make a carbonated beverage with a SodaStream. After the initial cost, you can get some pretty cheap sodas.

Even if you buy the syrups to make special flavors like root beer and cola, it can be cheaper. Use it to make root beer floats or "coke floats." Remember those? They cost a pretty penny now, but you can have those treats a lot cheaper.

Sunday, May 25, 2014

Do you like to chat online?

I enjoy spending some time just chatting with like minded folks online. It makes for a relaxing evening or afternoon when I have the time. If you enjoy forums or online chats  (Facebook? Twitter?) there is a particular site that you will no doubt enjoy, too.

I think they said there are 10,000 different forums now! If you can't find something you like to chat about, you can create your own. I've done that a couple of times and it's fun.

The name of the site is Chatabout It's fairly new but it's more than fairly busy!

And the best part? You get paid for participating. Take a look and see what you think.