Showing posts with label save money. Show all posts
Showing posts with label save money. Show all posts
Friday, June 22, 2012
Clean Your Silver Jewelry
Instructions
1
Polish the silver with a soft, lint-free dust cloth. If needed, add a few drops of water to the cleaning rag to wipe away stickier buildup, then follow up with a dry cleaning rag to absorb excess moisture.
2
Spread a sheet of tinfoil across the base of a large skillet or basin, leaving the shiny side up.
3
Place all of the silver into the skillet or basin, with all pieces touching the foil. Pour in enough boiling water to submerge the silver.
4
Add 1 cup of vinegar and 1/2 cup of washing soda per quart of water used. Let the silver soak for 10 minutes.
5
Remove the silver with tongs or let the water cool until you are able to handle the silver items. Rinse the silver with warm water and polish with a soft cloth.
Have a Fabulous & Frugal Day!!!!!!
Sunday, June 10, 2012
Dishwasher Soap
Homemade Dishwasher Soap
I make my own soap by using 1/2 cup Arm & Hammer Super Washing Soda and 1/2 cup Borax 20 Mule Team. I use about 2 tablespoons in the dishwasher compartment. I've also added Citric Acid (from either canning products or tang) if needed. To tell if Citric Acid is needed, look at your silverware. If it seems to be a little gray then check your dishwasher book and it will tell you what to add and how much. My silverware has actually been sparklier with this than the expensive dishwasher tabs.
I also put white vinegar in the compartment for Jet-Dri. My dishes are sparkly clean ..... This is just one more small way to beat the high cost of everything in the grocery stores.
Have a Fabulous & Frugal Day!!!!!
I make my own soap by using 1/2 cup Arm & Hammer Super Washing Soda and 1/2 cup Borax 20 Mule Team. I use about 2 tablespoons in the dishwasher compartment. I've also added Citric Acid (from either canning products or tang) if needed. To tell if Citric Acid is needed, look at your silverware. If it seems to be a little gray then check your dishwasher book and it will tell you what to add and how much. My silverware has actually been sparklier with this than the expensive dishwasher tabs.
I also put white vinegar in the compartment for Jet-Dri. My dishes are sparkly clean ..... This is just one more small way to beat the high cost of everything in the grocery stores.
Have a Fabulous & Frugal Day!!!!!
Tuesday, May 15, 2012
Make Now, Bake Later
Here is some excellent information ( I found this in my local hometown paper some time ago) recipes for freezer cooking. The great thing about freezer cooking is..... some night when you do not feel like putting forth the effort of dinner.....you go out to your freezer and pull out one of these casseroles. Just remember to use your coupons and stack your coupons so you are not paying full price for your ingredients. See how frugal you are?
Have a Fabulous & Frugal Day!!!!
The refrigerator and freezer are wonderful kitchen tools if you use them to your advantage. Go-to dishes have never been easier, thanks to the classic preservation methods of refrigeration and freezing. With one stop at the grocery store you can have all the ingredients you need to create a variety of wholesome meals in a snap.
Know the storage basics. Heavy-duty freezer bags are perfect for keeping sauces, marinades and soups for up to one month, whereas glass containers can provide simple portion control for already assembled dishes. Well-wrapped, double-sealed meals will be less likely to get freezer burn and can be stored for up to two to three months. Make sure to clearly label and date your freezer meals for easy reference.
Thaw with care. There are several ways to thaw out your freezer meals, but only a couple of safe ones. You can place smaller containers in the refrigerator in the morning, and then pop them in the oven in the evening. If you are in a hurry, do a quick thaw by immersing the container in cold water or defrosting it on a low setting in the microwave.
Go Fifty-Fifty. Serve half to your family now, half later. This Fiesta Chicken, Rice and Bean Casserole made with the classic Mexican flavors of jalapeño, cumin, corn and black beans can be enjoyed more than once. The addition of instant chicken bouillon granules and evaporated milk give it an especially savory and creamy flavor.
Beef Penne Pasta Casserole
Ingredients:
1 pound dried penne pasta, prepared according to package directions
8 ounces lean ground beef
1 small onion, chopped
2 cups water
2 cans (6 ounces each) Italian tomato paste
1/3 cup red wine or water
1 tablespoon MAGGI Instant Beef Flavor Bouillon (Seriously just use any bouillon We know better than to brand loyal~ use those coupons)
2 cups (8 ounces) shredded Monterrey Jack cheese
Directions:
Preheat oven to 350° F.
Cook beef and onion in large saucepan, stirring occasionally, until beef is no longer pink. Add water, tomato paste, wine and bouillon; cook, stirring occasionally, for 10 to 15 minutes or until flavors are blended.
Layer ingredients as follows in ungreased 13 x 9-inch baking dish: 1/2 pasta, 1/2 sauce and 1/2 cheese. Repeat layers; cover.
Bake for 20 to 25 minutes or until heated through and cheese is melted. Season with salt to taste.
For freeze ahead:
Prepare as above; do not bake. Cover; freeze for up to 2 months. Thaw overnight in refrigerator.
Preheat oven to 350° F.
Bake for 45 to 55 minutes or until heated through and cheese is melted. Season with salt to taste.
Fiesta Chicken, Rice and Bean Casserole
Ingredients:
2 cups water
2 teaspoons Maggi Instant Chicken Flavor Bouillon
¾ cup long-grain white rice
2 tablespoons butter
1 cup finely chopped onion
1 bell pepper, any color, chopped
1 jalapeño, seeded and chopped
1 to 2 teaspoons ground cumin
2 large cloves garlic, finely chopped
1 can (12 fluid ounces) Nestlé Carnation Evaporated Milk
2 large eggs, lightly beaten
3 cups cooked, chopped or shredded chicken breast meat (about 3 boneless, skinless chicken breast halves)
2 cups (8 ounces) shredded Monterrey Jack cheese with jalapeños
1 can (15 ounces) black beans, rinsed well and drained
1 ½ cups frozen, thawed corn, drained
2 tablespoons chopped fresh cilantro (optional)
Directions:
Preheat oven to 350°F. Lightly grease 13 x 9-inch or 3-quart casserole dish.
Bring water and bouillon to a boil in medium saucepan. Add rice; cover. Reduce heat to low; cook for 15 to 18 minutes or until rice is almost tender and most of liquid is absorbed (the rice will continue to cook in the casserole).
Melt butter in large saucepan over medium heat. Add onion, bell pepper, jalapeño and cumin. Cook, stirring occasionally, for 8 minutes or until tender. Stir in garlic; cook for 30 seconds or until fragrant.
Whisk together evaporated milk and eggs; stir into saucepan along with prepared rice, chicken, cheese, beans and corn. Spoon into prepared dish.
Bake for 40 to 45 minutes or until bubbly and edges are golden. Sprinkle with cilantro before serving.
For freeze ahead:
Prepare as above using two 2-quart casserole dishes; do not bake or sprinkle with cilantro. Allow casserole to cool to room temperature. Cover tightly with plastic wrap, then with aluminum foil; freeze for up to 2 months. Thaw overnight in refrigerator. Uncover. Preheat oven to 350°F. Bake for 60 to 70 minutes or until knife inserted in center comes out clean. Sprinkle with cilantro before serving.
Ravioli Lasagna
Ingredients:
1 package (20 ounces) refrigerated family size four cheese Ravioli, prepared according to package directions
1 container (15 ounces )reduced-fat ricotta cheese
1 package (10 ounces) frozen chopped spinach, thawed and squeezed dry
2 large eggs, lightly beaten
1/3 cup fat free milk
2 containers (15 ounces each) refrigerated marinara sauce
1/4 cup (.75 ounce) refrigerated freshly shredded Parmesan cheese
Directions:
Preheat oven to 350° F. Grease two 8 x 4-inch loaf dishes.
Combine ricotta cheese, spinach, eggs and milk in medium bowl. Place one-fourth pasta in each prepared dish. Add one-fourth sauce and half ricotta mixture to each dish. Top each with half remaining pasta and half remaining sauce. Sprinkle both dishes with Parmesan cheese. Cover one dish with plastic wrap, then over wrap with foil. Label and freeze for up to 2 months.
Cover remaining dish with foil. Bake for 40 to 45 minutes or until heated through. Let stand for 10 minutes before serving.
To bake frozen Lasagna: Place dish in refrigerator overnight. Preheat oven to 375° F. Remove foil and plastic wrap; recover with foil. Bake for 1 hour or until heated through. Let stand for 10 minutes before serving.
Have a Fabulous & Frugal Day!!!!
The refrigerator and freezer are wonderful kitchen tools if you use them to your advantage. Go-to dishes have never been easier, thanks to the classic preservation methods of refrigeration and freezing. With one stop at the grocery store you can have all the ingredients you need to create a variety of wholesome meals in a snap.
Know the storage basics. Heavy-duty freezer bags are perfect for keeping sauces, marinades and soups for up to one month, whereas glass containers can provide simple portion control for already assembled dishes. Well-wrapped, double-sealed meals will be less likely to get freezer burn and can be stored for up to two to three months. Make sure to clearly label and date your freezer meals for easy reference.
Thaw with care. There are several ways to thaw out your freezer meals, but only a couple of safe ones. You can place smaller containers in the refrigerator in the morning, and then pop them in the oven in the evening. If you are in a hurry, do a quick thaw by immersing the container in cold water or defrosting it on a low setting in the microwave.
Go Fifty-Fifty. Serve half to your family now, half later. This Fiesta Chicken, Rice and Bean Casserole made with the classic Mexican flavors of jalapeño, cumin, corn and black beans can be enjoyed more than once. The addition of instant chicken bouillon granules and evaporated milk give it an especially savory and creamy flavor.
Beef Penne Pasta Casserole
Ingredients:
1 pound dried penne pasta, prepared according to package directions
8 ounces lean ground beef
1 small onion, chopped
2 cups water
2 cans (6 ounces each) Italian tomato paste
1/3 cup red wine or water
1 tablespoon MAGGI Instant Beef Flavor Bouillon (Seriously just use any bouillon We know better than to brand loyal~ use those coupons)
2 cups (8 ounces) shredded Monterrey Jack cheese
Directions:
Preheat oven to 350° F.
Cook beef and onion in large saucepan, stirring occasionally, until beef is no longer pink. Add water, tomato paste, wine and bouillon; cook, stirring occasionally, for 10 to 15 minutes or until flavors are blended.
Layer ingredients as follows in ungreased 13 x 9-inch baking dish: 1/2 pasta, 1/2 sauce and 1/2 cheese. Repeat layers; cover.
Bake for 20 to 25 minutes or until heated through and cheese is melted. Season with salt to taste.
For freeze ahead:
Prepare as above; do not bake. Cover; freeze for up to 2 months. Thaw overnight in refrigerator.
Preheat oven to 350° F.
Bake for 45 to 55 minutes or until heated through and cheese is melted. Season with salt to taste.
Fiesta Chicken, Rice and Bean Casserole
Ingredients:
2 cups water
2 teaspoons Maggi Instant Chicken Flavor Bouillon
¾ cup long-grain white rice
2 tablespoons butter
1 cup finely chopped onion
1 bell pepper, any color, chopped
1 jalapeño, seeded and chopped
1 to 2 teaspoons ground cumin
2 large cloves garlic, finely chopped
1 can (12 fluid ounces) Nestlé Carnation Evaporated Milk
2 large eggs, lightly beaten
3 cups cooked, chopped or shredded chicken breast meat (about 3 boneless, skinless chicken breast halves)
2 cups (8 ounces) shredded Monterrey Jack cheese with jalapeños
1 can (15 ounces) black beans, rinsed well and drained
1 ½ cups frozen, thawed corn, drained
2 tablespoons chopped fresh cilantro (optional)
Directions:
Preheat oven to 350°F. Lightly grease 13 x 9-inch or 3-quart casserole dish.
Bring water and bouillon to a boil in medium saucepan. Add rice; cover. Reduce heat to low; cook for 15 to 18 minutes or until rice is almost tender and most of liquid is absorbed (the rice will continue to cook in the casserole).
Melt butter in large saucepan over medium heat. Add onion, bell pepper, jalapeño and cumin. Cook, stirring occasionally, for 8 minutes or until tender. Stir in garlic; cook for 30 seconds or until fragrant.
Whisk together evaporated milk and eggs; stir into saucepan along with prepared rice, chicken, cheese, beans and corn. Spoon into prepared dish.
Bake for 40 to 45 minutes or until bubbly and edges are golden. Sprinkle with cilantro before serving.
For freeze ahead:
Prepare as above using two 2-quart casserole dishes; do not bake or sprinkle with cilantro. Allow casserole to cool to room temperature. Cover tightly with plastic wrap, then with aluminum foil; freeze for up to 2 months. Thaw overnight in refrigerator. Uncover. Preheat oven to 350°F. Bake for 60 to 70 minutes or until knife inserted in center comes out clean. Sprinkle with cilantro before serving.
Ravioli Lasagna
Ingredients:
1 package (20 ounces) refrigerated family size four cheese Ravioli, prepared according to package directions
1 container (15 ounces )reduced-fat ricotta cheese
1 package (10 ounces) frozen chopped spinach, thawed and squeezed dry
2 large eggs, lightly beaten
1/3 cup fat free milk
2 containers (15 ounces each) refrigerated marinara sauce
1/4 cup (.75 ounce) refrigerated freshly shredded Parmesan cheese
Directions:
Preheat oven to 350° F. Grease two 8 x 4-inch loaf dishes.
Combine ricotta cheese, spinach, eggs and milk in medium bowl. Place one-fourth pasta in each prepared dish. Add one-fourth sauce and half ricotta mixture to each dish. Top each with half remaining pasta and half remaining sauce. Sprinkle both dishes with Parmesan cheese. Cover one dish with plastic wrap, then over wrap with foil. Label and freeze for up to 2 months.
Cover remaining dish with foil. Bake for 40 to 45 minutes or until heated through. Let stand for 10 minutes before serving.
To bake frozen Lasagna: Place dish in refrigerator overnight. Preheat oven to 375° F. Remove foil and plastic wrap; recover with foil. Bake for 1 hour or until heated through. Let stand for 10 minutes before serving.
Berry Banana Fro Yo Shake
I found this on the Dole website... It totally looks worth trying.... I recently watched "Under Cover Boss" and the CEO of Dole and Fresh Express was on there, and he seemed like a great guy and a great boss. Now when I see the Dole Bananas and Fresh Express salad at the store... it makes me smile. I know where this stuff comes from.......
Have a FABULOUS & FRUGAL Day!!!!
This is a cross between a smoothie and a milk shake using frozen yogurt and fresh fruit. Perfect for a quick dessert, but even good enough for breakfast and takes less than 5 minutes to make.
I recently fell in love with Stonyfield's Organic Vanilla Frozen Yogurt. I can't believe how good it tastes and it's hard to believe it's fat free! If you haven't tried it and are looking for a healthier vanilla ice cream alternative, you'll love it and it has the same live cultures as it's yogurt.
For best results, make sure the bananas are really ripe, the riper the sweeter your shake will be. I like to use frozen bananas, you can even use frozen berries!
Very Berry Banana Fro Yo Shake
Skinnytaste.com
Servings: 1 • Serving Size: 1 shake • Old Points: 4 pts • Points+: 5 pts
Calories: 211.7 • Fat: 2.1 g • Protein: 5.6 g • Carb: 48 g • Fiber: 5.7 g • Sugar: 26.3 g
Sodium: 90.6 mg
Ingredients:
1/2 cup mixed berries (blueberries, blackberries, strawberries)
1/2 ripe frozen banana
1/2 cup organic nonfat vanilla frozen yogurt (Stonyfields)
1/2 cup unsweetened vanilla almond milk (or skim, soy, etc)
Place all the ingredients in the blender and blend until smooth
Have a FABULOUS & FRUGAL Day!!!!
This is a cross between a smoothie and a milk shake using frozen yogurt and fresh fruit. Perfect for a quick dessert, but even good enough for breakfast and takes less than 5 minutes to make.
I recently fell in love with Stonyfield's Organic Vanilla Frozen Yogurt. I can't believe how good it tastes and it's hard to believe it's fat free! If you haven't tried it and are looking for a healthier vanilla ice cream alternative, you'll love it and it has the same live cultures as it's yogurt.
For best results, make sure the bananas are really ripe, the riper the sweeter your shake will be. I like to use frozen bananas, you can even use frozen berries!
Very Berry Banana Fro Yo Shake
Skinnytaste.com
Servings: 1 • Serving Size: 1 shake • Old Points: 4 pts • Points+: 5 pts
Calories: 211.7 • Fat: 2.1 g • Protein: 5.6 g • Carb: 48 g • Fiber: 5.7 g • Sugar: 26.3 g
Sodium: 90.6 mg
Ingredients:
1/2 cup mixed berries (blueberries, blackberries, strawberries)
1/2 ripe frozen banana
1/2 cup organic nonfat vanilla frozen yogurt (Stonyfields)
1/2 cup unsweetened vanilla almond milk (or skim, soy, etc)
Place all the ingredients in the blender and blend until smooth
Friday, April 13, 2012
Crock Pot Chicken Enchilada Casserole
I have been using my crock pot all winter... and will continue using it through out spring. This is a fabulous and easy recipe.
Have a Fabulous & Frugal Day!!!
Slow Cooker Green Chile-Chicken Enchilada Casserole
Bring the fabulous flavors of Mexico to your dinner table with this slow cooked chicken casserole that’s made using Progresso® beans and Old El Paso® chiles and enchilada sauce.
Prep Time
15 Minutes
Total Time
6:20 Hrs:Mins
Makes 6 servings
2 cans (4.5 oz each) Old El Paso® chopped green chiles
1 can (10 3/4 oz) condensed cream of chicken soup
1 can (10 oz) Old El Paso® green enchilada sauce or other green chile enchilada sauce
1/4 cup mayonnaise or salad dressing
12 corn tortillas (6 inch), cut into 3/4-inch strips
3 cups shredded cooked chicken
1 can (15 oz) Progresso® black beans, drained, rinsed
2 cups shredded Mexican cheese blend (8 oz)
2 large tomatoes, chopped (about 2 cups)
2 cups chopped lettuce
1/2 cup sour cream
1.Spray 3- to 4-quart slow cooker with cooking spray. In cooker, spread 1 can of the green chiles. In medium bowl, mix remaining can of green chiles, the soup, enchilada sauce and mayonnaise.
2.Arrange 1/3 of the tortilla strips over chiles in cooker. Top with 1 cup of the chicken, 1/2 cup of the beans, 1/2 cup of the cheese and 1 cup of the enchilada sauce mixture, spreading to edges of cooker to completely cover tortilla strips. Repeat layers twice, reserving last 1/2 cup of cheese.
3.Cover; cook on Low heat setting 6 to 7 hours.
4.Top with remaining 1/2 cup cheese. Cover; cook about 5 minutes longer or until cheese is melted. Serve with tomatoes, lettuce and sour cream.
Makes 6 servings Make the Most of This Recipe With Tips From The Betty Crocker® Kitchens
Tips
Rotisserie chicken works well for this recipe. Just remove the skin and bones, and shred the meat with 2 forks. One average rotisserie chicken yields about 3 1/2 to 4 cups cooked chicken.
Red enchilada sauce can be used. It will give a pink tint to the finished recipe.
Have a Fabulous & Frugal Day!!!
Slow Cooker Green Chile-Chicken Enchilada Casserole
Bring the fabulous flavors of Mexico to your dinner table with this slow cooked chicken casserole that’s made using Progresso® beans and Old El Paso® chiles and enchilada sauce.
Prep Time
15 Minutes
Total Time
6:20 Hrs:Mins
Makes 6 servings
2 cans (4.5 oz each) Old El Paso® chopped green chiles
1 can (10 3/4 oz) condensed cream of chicken soup
1 can (10 oz) Old El Paso® green enchilada sauce or other green chile enchilada sauce
1/4 cup mayonnaise or salad dressing
12 corn tortillas (6 inch), cut into 3/4-inch strips
3 cups shredded cooked chicken
1 can (15 oz) Progresso® black beans, drained, rinsed
2 cups shredded Mexican cheese blend (8 oz)
2 large tomatoes, chopped (about 2 cups)
2 cups chopped lettuce
1/2 cup sour cream
1.Spray 3- to 4-quart slow cooker with cooking spray. In cooker, spread 1 can of the green chiles. In medium bowl, mix remaining can of green chiles, the soup, enchilada sauce and mayonnaise.
2.Arrange 1/3 of the tortilla strips over chiles in cooker. Top with 1 cup of the chicken, 1/2 cup of the beans, 1/2 cup of the cheese and 1 cup of the enchilada sauce mixture, spreading to edges of cooker to completely cover tortilla strips. Repeat layers twice, reserving last 1/2 cup of cheese.
3.Cover; cook on Low heat setting 6 to 7 hours.
4.Top with remaining 1/2 cup cheese. Cover; cook about 5 minutes longer or until cheese is melted. Serve with tomatoes, lettuce and sour cream.
Makes 6 servings Make the Most of This Recipe With Tips From The Betty Crocker® Kitchens
Tips
Rotisserie chicken works well for this recipe. Just remove the skin and bones, and shred the meat with 2 forks. One average rotisserie chicken yields about 3 1/2 to 4 cups cooked chicken.
Red enchilada sauce can be used. It will give a pink tint to the finished recipe.
Thursday, April 12, 2012
25+ Home Made Blemish Busters
I found this fabulous information over at Tipnut.com and just had to share. These are home made remedies for skin blemishes. I currently use apple cider vinegar and Witch Hazel on my face and back with very good results. I think this is a frugal woman's handbook for inexpensive and natural ways to have better skin, with all the directions included.......
Have a Fabulous & Frugal Day!!!!
Quite a list of remedies here folks! These can be used for banishing a single pimple or two, treating acne, recipes for maintaining clear skin and I’ve also listed some tips at the bottom of the page to help with rosacea and a blackhead peel recipe.
Note: If acne seems to worsen at the beginning, keep in mind that the treatments are drawing out impurities and this could be the cause. Steady applications should show improvement over time. Also results will vary so if one doesn’t do the trick, try another until you find one that works for your skin.
Directions: Pick a remedy below then apply directly to blemish or your whole face then allow to dry for at least 20 to 30 minutes before washing off (unless otherwise noted).
Keep ingredients away from your eyes. If you are allergic to any of the items, do not use since topical applications could still trigger a reaction.
■Aloe vera: Apply fresh aloe vera gel to trouble spot and allow to dry before washing off.
■Alum: Mix 1/2 tsp alum with 1 TBS warm water to make a paste, apply to pimple.
■Apple cider vinegar: Recommended for acne, use a cotton ball to wipe vinegar over face. May sting a bit and may smell, but stick with it if you can. If it’s just a pimple or two that’s causing you grief, you can use a q-tip to dab on trouble spot as needed.
■Aspirin mask: This one’s from Dr. Oz…Crush 6-12 non-coated aspirins into a powder then mix with freshly squeezed lemon juice. Soak for 5 to 10 minutes until the mixture dissolves into a paste then apply to breakout. Remove with baking soda and water. Why it works? Aspirin contains salicylic acid which acts as a chemical peel and lemon juice contains vitamin C. Source: doctoroz.com. Not recommended for those who suffer from rosacea since the salicylic acid could aggravate it.
■Banana: Mash a ripe banana then apply to face. Allow to dry and leave on for a couple hours (if possible) before washing off.
■Calamine lotion: Allow to dry overnight before washing off.
■Cinnamon & honey: Good for acne, mix cinnamon powder and honey into a paste then apply to skin. Allow to set for at least an hour before removing. Daily treatments are recommended.
■Cucumber mash: Peel then puree in a blender, apply to skin and allow to dry for at least an hour. Good for acne.
■Fuller’s earth: Make a paste of freshly squeezed orange juice with Fuller’s earth and apply to trouble spot. Allow to dry for 20 to 25 minutes before washing off. Can use grated orange peel instead (dried).
■Honey: Can dab pure honey to blemish, allow to dry then wash off or you can mix 50/50 honey and freshly squeezed orange juice before applying to skin. You may find it beneficial to apply a hot compress first.
■Milk of Magnesia: (acne) Apply to skin each night then wash off in the morning.
■Neem: Make an infusion by covering a handful of neem leaves with 2 cups of boiling water. Cover and steep for about 10 minutes then strain. Allow to cool then mix with Fuller’s earth to make a paste.
■Olive oil: (for acne and breakouts) After washing face with a mild soap, apply a light layer of extra-virgin olive oil to skin three times a day (do not wash off). An oily substance may seem contrary to logic (clogs pores) but olive oil seems to both heal the skin and draw out impurities. You may experience more breakouts at first but after a few days this will settle down.
■Orange rinds: Mix equal parts grated orange rind (dried), plain yogurt and rosewater. You could also make a paste with ground peels (dried) and milk (keep on skin for about an hour before washing off).
■Pineapple juice: Apply to trouble spot.
■Sandalwood: Make a thick paste with equal parts sandalwood powder, turmeric powder and milk. Apply then leave overnight and wash off in the morning.
■Tea tree oil: Dab directly onto trouble spot with a q-tip.
■Toothpaste: (not gel) Just a dab will do ya, apply then let dry overnight.
■Turmeric: Mix turmeric with a bit of milk or plain yogurt to make a paste then apply to blemish. You could also mix 1/2 teaspoon turmeric with a bit of water to make a paste then apply to trouble spots (4 times per day).
■Witch hazel: Dab directly on pimple 4 or 5 times per day.
Clear Skin Helpers:
■Buttermilk: Apply each day as needed to help clear acne.
■Coconut Oil: Apply a thin layer to skin each day to help fade acne scars.
■Cold brewed tea: Wash skin daily with this.
■Grapefruit Seed Extract: Add a few drops to a mild liquid facial soap and use to wash skin daily. You can also use tea tree oil this way.
■Strawberry leaf infusion: Wash skin with this twice a day, morning and night (1/4 cup strawberry leaves and 1 1/2 cups boiling water, cover and steep for 2 hours then strain and chill before using).
■Tea Tree Oil: Add 10 drops of tea tree to 1 cup of lukewarm water then use to wash face (avoiding eyes).
Rosacea:
Do consistent, daily treatments for at least two weeks before determining whether or not this will work for you.
■Apple Cider Vinegar: Wash face with a gentle soap, rinse well, pat dry then wipe with a cloth dipped in apple cider vinegar (once per day).
■Chamomile Infusion: Cover 2 teaspoons dried chamomile flowers with 1 cup boiling water, cover then steep for 10 minutes. Strain, cool and then apply as a lukewarm compress.
■Flaxseed Oil: Consume 1 teaspoon three times daily or try making a facial scrub with ground oatmeal (uncooked) and flaxseed oil then use to gently exfoliate skin.
■Green Tea: Drink at least 2 cups a day and wash skin with it daily (cool after brewing). If you’re new to green tea, you’ll find plenty of info here to get you started. You can also use a 50/50 mix of green tea and chamomile tea as a facial toner.
■Lavender Infusion: Same as the chamomile infusion above but using dried lavender buds instead.
■Rose Water: Wash face daily with rose water. One recipe you can try: For every 1 firmly packed cup of petals, pour 2 cups boiling water over top. Cover and steep until the liquid is cool. Strain, squeeze out the liquid from the petals, and refrigerate the rose water in a sterilized jar. You’ll find more recipes here.
Blackheads:
*First published May 8, 2007 and moved to this page for better organization
Try a facial steam bath first (instructions below) then use the recipe, this will open up the pores as well as soften up the blackheads for easier removal.
1 TBS Unflavored gelatin
1 1/2 TBS Milk
■Mix together the gelatin and milk then heat in the microwave for about 12 seconds. Remove from microwave and stir with a wooden stir stick (a clean one!). Generously apply to problem areas on the face. Be careful not to apply too close to the eyes.
■Let completely dry (between 15 to 30 minutes) then carefully peel it off. The gunk clogging your pores will be stuck on the peel, the result is similar to the expensive removal strips you can buy.
■After removing the peel, wash face in very cold water to close the pores.
Facial Steam Bath:
First wash your face with facial cleansing soap and water. Then fill a bowl with boiling water and place your face down close to the water to be near the heat. Cover your head with a towel to trap the steam around your face, stay put for about 10 minutes then make and apply the treatment peel above.
■Optional: Add tea bags or Epsom salt or dried lavender to the boiling water.
Have a Fabulous & Frugal Day!!!!
Quite a list of remedies here folks! These can be used for banishing a single pimple or two, treating acne, recipes for maintaining clear skin and I’ve also listed some tips at the bottom of the page to help with rosacea and a blackhead peel recipe.
Note: If acne seems to worsen at the beginning, keep in mind that the treatments are drawing out impurities and this could be the cause. Steady applications should show improvement over time. Also results will vary so if one doesn’t do the trick, try another until you find one that works for your skin.
Directions: Pick a remedy below then apply directly to blemish or your whole face then allow to dry for at least 20 to 30 minutes before washing off (unless otherwise noted).
Keep ingredients away from your eyes. If you are allergic to any of the items, do not use since topical applications could still trigger a reaction.
■Aloe vera: Apply fresh aloe vera gel to trouble spot and allow to dry before washing off.
■Alum: Mix 1/2 tsp alum with 1 TBS warm water to make a paste, apply to pimple.
■Apple cider vinegar: Recommended for acne, use a cotton ball to wipe vinegar over face. May sting a bit and may smell, but stick with it if you can. If it’s just a pimple or two that’s causing you grief, you can use a q-tip to dab on trouble spot as needed.
■Aspirin mask: This one’s from Dr. Oz…Crush 6-12 non-coated aspirins into a powder then mix with freshly squeezed lemon juice. Soak for 5 to 10 minutes until the mixture dissolves into a paste then apply to breakout. Remove with baking soda and water. Why it works? Aspirin contains salicylic acid which acts as a chemical peel and lemon juice contains vitamin C. Source: doctoroz.com. Not recommended for those who suffer from rosacea since the salicylic acid could aggravate it.
■Banana: Mash a ripe banana then apply to face. Allow to dry and leave on for a couple hours (if possible) before washing off.
■Calamine lotion: Allow to dry overnight before washing off.
■Cinnamon & honey: Good for acne, mix cinnamon powder and honey into a paste then apply to skin. Allow to set for at least an hour before removing. Daily treatments are recommended.
■Cucumber mash: Peel then puree in a blender, apply to skin and allow to dry for at least an hour. Good for acne.
■Fuller’s earth: Make a paste of freshly squeezed orange juice with Fuller’s earth and apply to trouble spot. Allow to dry for 20 to 25 minutes before washing off. Can use grated orange peel instead (dried).
■Honey: Can dab pure honey to blemish, allow to dry then wash off or you can mix 50/50 honey and freshly squeezed orange juice before applying to skin. You may find it beneficial to apply a hot compress first.
■Milk of Magnesia: (acne) Apply to skin each night then wash off in the morning.
■Neem: Make an infusion by covering a handful of neem leaves with 2 cups of boiling water. Cover and steep for about 10 minutes then strain. Allow to cool then mix with Fuller’s earth to make a paste.
■Olive oil: (for acne and breakouts) After washing face with a mild soap, apply a light layer of extra-virgin olive oil to skin three times a day (do not wash off). An oily substance may seem contrary to logic (clogs pores) but olive oil seems to both heal the skin and draw out impurities. You may experience more breakouts at first but after a few days this will settle down.
■Orange rinds: Mix equal parts grated orange rind (dried), plain yogurt and rosewater. You could also make a paste with ground peels (dried) and milk (keep on skin for about an hour before washing off).
■Pineapple juice: Apply to trouble spot.
■Sandalwood: Make a thick paste with equal parts sandalwood powder, turmeric powder and milk. Apply then leave overnight and wash off in the morning.
■Tea tree oil: Dab directly onto trouble spot with a q-tip.
■Toothpaste: (not gel) Just a dab will do ya, apply then let dry overnight.
■Turmeric: Mix turmeric with a bit of milk or plain yogurt to make a paste then apply to blemish. You could also mix 1/2 teaspoon turmeric with a bit of water to make a paste then apply to trouble spots (4 times per day).
■Witch hazel: Dab directly on pimple 4 or 5 times per day.
Clear Skin Helpers:
■Buttermilk: Apply each day as needed to help clear acne.
■Coconut Oil: Apply a thin layer to skin each day to help fade acne scars.
■Cold brewed tea: Wash skin daily with this.
■Grapefruit Seed Extract: Add a few drops to a mild liquid facial soap and use to wash skin daily. You can also use tea tree oil this way.
■Strawberry leaf infusion: Wash skin with this twice a day, morning and night (1/4 cup strawberry leaves and 1 1/2 cups boiling water, cover and steep for 2 hours then strain and chill before using).
■Tea Tree Oil: Add 10 drops of tea tree to 1 cup of lukewarm water then use to wash face (avoiding eyes).
Rosacea:
Do consistent, daily treatments for at least two weeks before determining whether or not this will work for you.
■Apple Cider Vinegar: Wash face with a gentle soap, rinse well, pat dry then wipe with a cloth dipped in apple cider vinegar (once per day).
■Chamomile Infusion: Cover 2 teaspoons dried chamomile flowers with 1 cup boiling water, cover then steep for 10 minutes. Strain, cool and then apply as a lukewarm compress.
■Flaxseed Oil: Consume 1 teaspoon three times daily or try making a facial scrub with ground oatmeal (uncooked) and flaxseed oil then use to gently exfoliate skin.
■Green Tea: Drink at least 2 cups a day and wash skin with it daily (cool after brewing). If you’re new to green tea, you’ll find plenty of info here to get you started. You can also use a 50/50 mix of green tea and chamomile tea as a facial toner.
■Lavender Infusion: Same as the chamomile infusion above but using dried lavender buds instead.
■Rose Water: Wash face daily with rose water. One recipe you can try: For every 1 firmly packed cup of petals, pour 2 cups boiling water over top. Cover and steep until the liquid is cool. Strain, squeeze out the liquid from the petals, and refrigerate the rose water in a sterilized jar. You’ll find more recipes here.
Blackheads:
*First published May 8, 2007 and moved to this page for better organization
Try a facial steam bath first (instructions below) then use the recipe, this will open up the pores as well as soften up the blackheads for easier removal.
1 TBS Unflavored gelatin
1 1/2 TBS Milk
■Mix together the gelatin and milk then heat in the microwave for about 12 seconds. Remove from microwave and stir with a wooden stir stick (a clean one!). Generously apply to problem areas on the face. Be careful not to apply too close to the eyes.
■Let completely dry (between 15 to 30 minutes) then carefully peel it off. The gunk clogging your pores will be stuck on the peel, the result is similar to the expensive removal strips you can buy.
■After removing the peel, wash face in very cold water to close the pores.
Facial Steam Bath:
First wash your face with facial cleansing soap and water. Then fill a bowl with boiling water and place your face down close to the water to be near the heat. Cover your head with a towel to trap the steam around your face, stay put for about 10 minutes then make and apply the treatment peel above.
■Optional: Add tea bags or Epsom salt or dried lavender to the boiling water.
Wednesday, April 4, 2012
Home Made Mayonnaise
Leslie Voth .... Thanks for sharing this recipe, With Mayonnaise at almost 4 bucks a jar.....
Have a Fabulous & Frugal Day
Mayonnaise for you Recipe
Ingredients
Eggs, vinegar, lemon juice, water, salt, cayenne pepper and extra virgin olive oil.
Blend ingredients
Separate three eggs and put their yolks in a mixing bowl, along with two tablespoons of vinegar, two tablespoons of water and two tablespoons of lemon juice.
Heat
Heat the mixture on your stove top at around 150 degrees for one minute. Stir continually for that minute.
Cool
Place mixing bowl on the counter and allow the mixture to cool for a few minutes.
Add ingredients for flavor
Add a half tablespoon of cayenne pepper, a half tablespoon of salt and a bit of spicy mustard to the mixture. Then whisk the mixture until the ingredients blend together. Desire a little more kick? Consider splashing a bit more pepper in there next time. Want thicker mayonnaise? reduce the water.
I like to add a little garlic to this for extra flavor.
Olive oil
Slowly add high-quality extra virgin olive oil, teaspoon by teaspoon, perpetually whisking, until your mixture reaches the proper consistency of mayonnaise. This should take up to one and a half cups of olive oil. Remember to fully integrate each teaspoon of olive oil before moving onto the next.
I hope you give this a try because it is worth it.
Have a Fabulous & Frugal Day
Mayonnaise for you Recipe
Ingredients
Eggs, vinegar, lemon juice, water, salt, cayenne pepper and extra virgin olive oil.
Blend ingredients
Separate three eggs and put their yolks in a mixing bowl, along with two tablespoons of vinegar, two tablespoons of water and two tablespoons of lemon juice.
Heat
Heat the mixture on your stove top at around 150 degrees for one minute. Stir continually for that minute.
Cool
Place mixing bowl on the counter and allow the mixture to cool for a few minutes.
Add ingredients for flavor
Add a half tablespoon of cayenne pepper, a half tablespoon of salt and a bit of spicy mustard to the mixture. Then whisk the mixture until the ingredients blend together. Desire a little more kick? Consider splashing a bit more pepper in there next time. Want thicker mayonnaise? reduce the water.
I like to add a little garlic to this for extra flavor.
Olive oil
Slowly add high-quality extra virgin olive oil, teaspoon by teaspoon, perpetually whisking, until your mixture reaches the proper consistency of mayonnaise. This should take up to one and a half cups of olive oil. Remember to fully integrate each teaspoon of olive oil before moving onto the next.
I hope you give this a try because it is worth it.
Tuesday, March 20, 2012
Back, Neck And Shoulder Pain
I at times suffer from neck and shoulder pain. I have spent money on pain medication, pain patches, doctors, and physical therapy. I do believe that posture and stress are huge factors to my ailments as well as sitting at a desk and typing for 8-10 hours per day. I hope these tips will help you I found them over at Get Rich Slowly
Have a Fabulous & Frugal Day!!!!!
Cheap Ways to Relieve Your Aching Back
Posted: 20 Mar 2012 05:00 AM PDT
This post is by staff writer April Dykman.
How’s your posture right now? Are you slumped over in your chair, craning your neck to see the computer screen?
Over time, those habits could cost you both in terms of health and doctor appointment copays.
Last month I wrote about my ongoing search for a cure for shoulder and neck pain, and how numerous appointments with doctors and therapists cost thousands of dollars over the years and failed to fix the problem. Then, a last-minute appointment with a new massage therapist changed that. To quickly recap, she told me to start wearing my night guard consistently, not just when I felt I was grinding my teeth, and she suggested I replace my 11-year-old mattress. The first tip starting working within a couple of days, and at the writing of that article, I was waiting for my mattress to arrive.
Several readers asked for an update after I had a chance to try the new mattress. Well, I love it. I no longer need to sleep with a body pillow, and my arms haven’t gone numb in the middle of the night, which they used to do regularly. I can’t tell you with any certainty if buying an organic mattress is worthwhile, but buying a new mattress did seem to help my shoulder and neck pain.
Your pain in the neck
Last week I sat down with the massage therapist who cured what ailed me to talk about some inexpensive ways to change habits that cause body pain, as well as ways to relieve aches. Many preventative measures and solutions are cheap (or free), and while your doctor’s advice is best, sometimes you need to get through a day or two until you can get in to see someone.
For advice on how to do that, I interviewed Rachael Bercey, a massage therapist at Castle Hill Fitness in Austin, Texas. Rachael specializes in neuromuscular therapy, deep tissue sports massage, myofascial and trigger point therapy, and kinesio taping. She received massage training at the New Mexico School of Natural Therapeutic, earned her neuromuscular therapy certification, and counts among her past clients professional, Olympic, University of Texas, amateur, and weekend warrior athletes. She’s also a certified personal trainer.
The following are her top suggestions for frugal ways (most are free!) to prevent or relieve body aches:
Look at how you’re sitting right now. Are you pointing your feet because they don’t rest on the floor? Is your chair on rollers, and if so, are you using your feet to stabilize it? Are you sitting on one foot (like I often do)? “Your feet should rest on something or be propped on something like yoga blocks or a sturdy box to avoid your feet hanging from or hooking under the chair,” says Rachael. “Even better is to prop the feet at a natural angle rather than flat — a rocking foot rest is a possible solution, but a bit pricey.” (J.D. made his own footrest a few years ago.) Also, your monitor should be at eye level, right in front of you, and the keyboard height should be adjusted to where your elbows can hang comfortably at the side of your body, shoulders are relaxed, and your wrists not bent up or down or to either side. “Good chairs are expensive,” says Rachael, “but you can go to the dollar store and find something that will raise your monitor,” she says. Or use something you have around the house. To adjust your keyboard, consider a keyboard tray that attaches under your desk. Cost: $20 for a keyboard tray
Get up every 45 minutes. Rachael says lack of movement is often the cause of body pain, so set a timer to sound off every 45 minutes to remind yourself to get up and walk around. She says it’s easy to get used to the timer and to start ignoring it, so try recording a message to yourself instead. You may be more likely to pay attention to the sound of your own voice. Cost: Probably free, since it’s likely there are already alarms and apps on your phone and computer
Engage your abs. When you exercise or stand in line at the grocery store, how is your posture? Do you engage your core muscles? Obviously you don’t need to squeeze your abs as hard as you can while standing in the express lane, but stand evenly on both feet and don’t slouch. “If you stand with your legs closer together, it’ll help you stand more erect and use the core,” says Rachael. Also, relax your jaw. “Many people clench their jaw when they workout to stabilize their body,” she says. “Relax the jaw and engage the core.” Cost: Free
Drink more water. I know, I know. You’ve heard it a million times. “Dehydration lowers viscosity in your body,” she says, “which can lead to aches and pains.” The general rule is to take your weight in pounds and divide it in half to get the number of ounces you should drink. If you work up a sweat, drink more. Cost: Almost free to free, depending on where you get your water
Rethink your bags and purses. If you carry a laptop in a backpack, use both straps. “I know it’s nerdy, but a waist belt on a backpack is really helpful, too,” she says. If you carry a side satchel, switch up which shoulder you sling it over. As for purses, if you’re guilty of toting around the kitchen sink, Rachael says to rethink your necessities. “Think about what you really need, and lighten your load,” she says. “I know ladies who have scissors and tape in their purses — you can find that wherever you’re going if you really need it!” Cost: Free
Walk a mile in your shoes. Rachael likened our bodies to a house.”Good shoes are like your foundation,” she says. “If there’s a problem there, like a crack in the foundation it’ll refer upward, causing other problems.” It’s hard to offer advice about footwear, however, because people are so different in terms of structure, lifestyle, and habits. But if your running shoes are worn out, that can cause problems in your feet, ankles, and knees on up. “You also want to switch out your shoes,” says Rachael. “Don’t wear the same pair to the gym and then to work in the yard. Rotating is better for your feet.” If you aren’t sure if you’re in the right shoes, go to a specialty running store or a shoe store that offers gait analysis (you might even go to a few before you decide to buy). Cost: Approximately $100 for a new pair of shoes, though there are both cheaper and more expensive shoes out there
When you’re injured, start with ice. If you injure yourself on Saturday and can’t see a doctor until Monday, you can alleviate some pain by icing the injury. “Sometimes an injury isn’t visibly inflamed, but it’s internally inflamed,” says Rachael, “and heat can exacerbate the problem.” Until you know the nature of the injury, start with ice, especially for the first 48 hours, she says. “Cold reduces blood flow to the area and can inhibit pain receptors,” she says. “When you remove the cold pack, the blood rushes back to the area, but sometimes the pain is still reduced or gone completely.” (One exception to the rule on icing: if compartment syndrome is suspected.) Rachael says if you don’t like cold sensations like ice packs, try putting a heating pad or warm water bottle on your stomach. “That can distract you from the cold sensation,” she says. Cost: $11 for the ice pack Rachael likes best (or free if you already have one of your own)
Try the tingly stuff. Another pain relief solution Rachael recommends is ointment or gel like Traumeel or BioFreeze. “Traumeel is homeopathic and topical, and comes in ointment and gel form, though I prefer the ointment,” she says. “You can get it at a health food store, and one tube can last a couple of years.” Cost: $20 for 3.5 ounces of Traumeel or $8 for 4 ounces of BioFreeze
Use tennis balls off the court. This is a travel-friendly tip especially great for cramped coach seating on flights, airport layovers, long car rides and other physical discomforts. Place a tennis ball between you and a wall to work out knots and stiff muscles in between your shoulder blades, in your glutes and hamstrings, and other tight areas. “It’s super cheap and easy to pack,” says Rachael. “I like using a wall because it gives you more control than if you place it on the floor and lay on it.” Cost: $5 or less for a pack of three
Go high-tech. Got low back pain? Yes, there’s an app for that. Rachael says there are a lot of apps that are good for the body, but the one on her phone is called Pocket Therapy. You select your injury, and the app gives you suggested exercises to alleviate pain, plus helpful visuals. Rachael also likes free mediation apps, Nike Training Club to get moving, and Daily Dozen Posture for exercises to improve your posture. Cost: Free for Nike Training Club, $2 for Pocket Therapy and Daily Dozen Posture
I’m not very good about taking breaks or sitting in a good position. For example, right now I’m sitting on the couch with my laptop on my lap and my feet propped up on an ottoman. Ergonomic fail. But Rachael says I can plug in a keyboard and prop my laptop up on a book or two to fix that. Easy enough and pretty inexpensive.
I’m not ready to show her my purse, though. Baby steps, people.
Have a Fabulous & Frugal Day!!!!!
Cheap Ways to Relieve Your Aching Back
Posted: 20 Mar 2012 05:00 AM PDT
This post is by staff writer April Dykman.
How’s your posture right now? Are you slumped over in your chair, craning your neck to see the computer screen?
Over time, those habits could cost you both in terms of health and doctor appointment copays.
Last month I wrote about my ongoing search for a cure for shoulder and neck pain, and how numerous appointments with doctors and therapists cost thousands of dollars over the years and failed to fix the problem. Then, a last-minute appointment with a new massage therapist changed that. To quickly recap, she told me to start wearing my night guard consistently, not just when I felt I was grinding my teeth, and she suggested I replace my 11-year-old mattress. The first tip starting working within a couple of days, and at the writing of that article, I was waiting for my mattress to arrive.
Several readers asked for an update after I had a chance to try the new mattress. Well, I love it. I no longer need to sleep with a body pillow, and my arms haven’t gone numb in the middle of the night, which they used to do regularly. I can’t tell you with any certainty if buying an organic mattress is worthwhile, but buying a new mattress did seem to help my shoulder and neck pain.
Your pain in the neck
Last week I sat down with the massage therapist who cured what ailed me to talk about some inexpensive ways to change habits that cause body pain, as well as ways to relieve aches. Many preventative measures and solutions are cheap (or free), and while your doctor’s advice is best, sometimes you need to get through a day or two until you can get in to see someone.
For advice on how to do that, I interviewed Rachael Bercey, a massage therapist at Castle Hill Fitness in Austin, Texas. Rachael specializes in neuromuscular therapy, deep tissue sports massage, myofascial and trigger point therapy, and kinesio taping. She received massage training at the New Mexico School of Natural Therapeutic, earned her neuromuscular therapy certification, and counts among her past clients professional, Olympic, University of Texas, amateur, and weekend warrior athletes. She’s also a certified personal trainer.
The following are her top suggestions for frugal ways (most are free!) to prevent or relieve body aches:
Look at how you’re sitting right now. Are you pointing your feet because they don’t rest on the floor? Is your chair on rollers, and if so, are you using your feet to stabilize it? Are you sitting on one foot (like I often do)? “Your feet should rest on something or be propped on something like yoga blocks or a sturdy box to avoid your feet hanging from or hooking under the chair,” says Rachael. “Even better is to prop the feet at a natural angle rather than flat — a rocking foot rest is a possible solution, but a bit pricey.” (J.D. made his own footrest a few years ago.) Also, your monitor should be at eye level, right in front of you, and the keyboard height should be adjusted to where your elbows can hang comfortably at the side of your body, shoulders are relaxed, and your wrists not bent up or down or to either side. “Good chairs are expensive,” says Rachael, “but you can go to the dollar store and find something that will raise your monitor,” she says. Or use something you have around the house. To adjust your keyboard, consider a keyboard tray that attaches under your desk. Cost: $20 for a keyboard tray
Get up every 45 minutes. Rachael says lack of movement is often the cause of body pain, so set a timer to sound off every 45 minutes to remind yourself to get up and walk around. She says it’s easy to get used to the timer and to start ignoring it, so try recording a message to yourself instead. You may be more likely to pay attention to the sound of your own voice. Cost: Probably free, since it’s likely there are already alarms and apps on your phone and computer
Engage your abs. When you exercise or stand in line at the grocery store, how is your posture? Do you engage your core muscles? Obviously you don’t need to squeeze your abs as hard as you can while standing in the express lane, but stand evenly on both feet and don’t slouch. “If you stand with your legs closer together, it’ll help you stand more erect and use the core,” says Rachael. Also, relax your jaw. “Many people clench their jaw when they workout to stabilize their body,” she says. “Relax the jaw and engage the core.” Cost: Free
Drink more water. I know, I know. You’ve heard it a million times. “Dehydration lowers viscosity in your body,” she says, “which can lead to aches and pains.” The general rule is to take your weight in pounds and divide it in half to get the number of ounces you should drink. If you work up a sweat, drink more. Cost: Almost free to free, depending on where you get your water
Rethink your bags and purses. If you carry a laptop in a backpack, use both straps. “I know it’s nerdy, but a waist belt on a backpack is really helpful, too,” she says. If you carry a side satchel, switch up which shoulder you sling it over. As for purses, if you’re guilty of toting around the kitchen sink, Rachael says to rethink your necessities. “Think about what you really need, and lighten your load,” she says. “I know ladies who have scissors and tape in their purses — you can find that wherever you’re going if you really need it!” Cost: Free
Walk a mile in your shoes. Rachael likened our bodies to a house.”Good shoes are like your foundation,” she says. “If there’s a problem there, like a crack in the foundation it’ll refer upward, causing other problems.” It’s hard to offer advice about footwear, however, because people are so different in terms of structure, lifestyle, and habits. But if your running shoes are worn out, that can cause problems in your feet, ankles, and knees on up. “You also want to switch out your shoes,” says Rachael. “Don’t wear the same pair to the gym and then to work in the yard. Rotating is better for your feet.” If you aren’t sure if you’re in the right shoes, go to a specialty running store or a shoe store that offers gait analysis (you might even go to a few before you decide to buy). Cost: Approximately $100 for a new pair of shoes, though there are both cheaper and more expensive shoes out there
When you’re injured, start with ice. If you injure yourself on Saturday and can’t see a doctor until Monday, you can alleviate some pain by icing the injury. “Sometimes an injury isn’t visibly inflamed, but it’s internally inflamed,” says Rachael, “and heat can exacerbate the problem.” Until you know the nature of the injury, start with ice, especially for the first 48 hours, she says. “Cold reduces blood flow to the area and can inhibit pain receptors,” she says. “When you remove the cold pack, the blood rushes back to the area, but sometimes the pain is still reduced or gone completely.” (One exception to the rule on icing: if compartment syndrome is suspected.) Rachael says if you don’t like cold sensations like ice packs, try putting a heating pad or warm water bottle on your stomach. “That can distract you from the cold sensation,” she says. Cost: $11 for the ice pack Rachael likes best (or free if you already have one of your own)
Try the tingly stuff. Another pain relief solution Rachael recommends is ointment or gel like Traumeel or BioFreeze. “Traumeel is homeopathic and topical, and comes in ointment and gel form, though I prefer the ointment,” she says. “You can get it at a health food store, and one tube can last a couple of years.” Cost: $20 for 3.5 ounces of Traumeel or $8 for 4 ounces of BioFreeze
Use tennis balls off the court. This is a travel-friendly tip especially great for cramped coach seating on flights, airport layovers, long car rides and other physical discomforts. Place a tennis ball between you and a wall to work out knots and stiff muscles in between your shoulder blades, in your glutes and hamstrings, and other tight areas. “It’s super cheap and easy to pack,” says Rachael. “I like using a wall because it gives you more control than if you place it on the floor and lay on it.” Cost: $5 or less for a pack of three
Go high-tech. Got low back pain? Yes, there’s an app for that. Rachael says there are a lot of apps that are good for the body, but the one on her phone is called Pocket Therapy. You select your injury, and the app gives you suggested exercises to alleviate pain, plus helpful visuals. Rachael also likes free mediation apps, Nike Training Club to get moving, and Daily Dozen Posture for exercises to improve your posture. Cost: Free for Nike Training Club, $2 for Pocket Therapy and Daily Dozen Posture
I’m not very good about taking breaks or sitting in a good position. For example, right now I’m sitting on the couch with my laptop on my lap and my feet propped up on an ottoman. Ergonomic fail. But Rachael says I can plug in a keyboard and prop my laptop up on a book or two to fix that. Easy enough and pretty inexpensive.
I’m not ready to show her my purse, though. Baby steps, people.
Thursday, January 12, 2012
Fabulous & Frugal: Laundry Soap
Fabulous & Frugal: Laundry Soap: Okay... Here it is!!! Everyone has been asking me to post my laundry soap recipe so... here you all have it 2 cups Borax 2 cups Super...
Thursday, December 15, 2011
Saving An Additional 114 Dollars Each Month
Last week on my days off I spent about an hour and 1/2 on two phone calls. The first call was to cancel my home phone. I had been a customer for 21 years (amazing). Really for about the last 2 years due to my screwy work schedule, I wasn't using the phone much. I would un-plug it because I desperately needed to sleep in the morning and in the afternoon and I was just inundated with phone solicitors. I would un-plug the phone and leave it un-plugged for weeks on end. I just decided that it had become a huge waste of money. $43 per month.
The next call was to my cell phone company. My daughter and her boyfriend got their own cell plan so there was just no need to keep her line. So my hubby and I combined our lines on a family plan, and my line alone was about $82 per month. Then, there are some additional savings going to happen too, because we ended up with a credit from the cell phone company for switching things up. But the monthly savings will add up to $114 dollars. That is a fantastic savings for a little time spent on the phone. Obviously I was spending too much money and am happy that I wised up!!
What are you wasting your money on???
Have a Fabulous & Frugal Day!!!!!
The next call was to my cell phone company. My daughter and her boyfriend got their own cell plan so there was just no need to keep her line. So my hubby and I combined our lines on a family plan, and my line alone was about $82 per month. Then, there are some additional savings going to happen too, because we ended up with a credit from the cell phone company for switching things up. But the monthly savings will add up to $114 dollars. That is a fantastic savings for a little time spent on the phone. Obviously I was spending too much money and am happy that I wised up!!
What are you wasting your money on???
Have a Fabulous & Frugal Day!!!!!
Wednesday, October 26, 2011
One Paycheck Away From Financial Ruin
I have been following the Occupy Wall Street protesters as well as the various other Occupy protests that are taking place not only in The United States but England and Australia as well. I feel for the protesters, they are standing up for all of us. While I do not support any violence on the protesters or law enforcements behalf's, I do think the protesters are on to something. Most of those Americans are really struggling trying to make ends meet, unable to pay for mortgages, credit card interest sky high, medical bills mounting, unable to pay for student loans. Trying to choose between paying the rent or buying groceries. The list just goes on and on and on. Not to mention, the folks who are unemployed and cannot find work, and then there are the ones that are working who can barely keep their heads above water... and those ever disappearing retirement funds, as well as all those tax increases. And... I am sue that I have missed some of the issues, but you get the idea here... Americans are completely fed up with the government and the wealthy that are controlling everything and not being held accountable for anything.
I also feel frustrated at times. It seems like you work your tail off, you pay taxes, and at the end of the year you owe more taxes. You pay off credit card debt, only to have unexpected medical bills and have to use those damn credit cards to get you by till payday. Hey, I have been there.
About a year and 1/2 ago, almost 2 years ago, I decided that I did not want to live this way anymore and really did want to retire at some point... however, my retirement funds are not co-operating at the moment.
I stopped living above my means. I stopped carrying my credit cards. I do not even have them in my purse. I have paid off 2 credit cards, paid off my car, and am still driving the car. I try and put 10% of my paycheck in savings every month...that does not always work out for me, but even 5% is better than nothing. I will not shop for food without coupons. My motto used to be if I don't have a coupon for it I won't buy it... My new motto is... IF I DO NOT HAVE A COUPON AND IT IS NOT ON SALE...IT DOES NOT GO IN THE SHOPPING CART.
I cash in cans and bottles, I have a garden, I home can veggies from my garden. Reading is my favorite past time... I do not hang out at the mall or any other expensive places. I do not buy the latest electronics, or the fashions of the week. I have completely adopted the frugal lifestyle and mostly out of necessity but also because I really do not want to work until I am Seventy.
I stand behind the protesters, but I also believe that you have to help yourself and take accountability for yourself. Learn how to manage your money, how to save your money and how to budget. Trust me your life will get better. It is not easy...but it truly is rewarding.
Have a Fabulous & Frugal Day!!!!
I also feel frustrated at times. It seems like you work your tail off, you pay taxes, and at the end of the year you owe more taxes. You pay off credit card debt, only to have unexpected medical bills and have to use those damn credit cards to get you by till payday. Hey, I have been there.
About a year and 1/2 ago, almost 2 years ago, I decided that I did not want to live this way anymore and really did want to retire at some point... however, my retirement funds are not co-operating at the moment.
I stopped living above my means. I stopped carrying my credit cards. I do not even have them in my purse. I have paid off 2 credit cards, paid off my car, and am still driving the car. I try and put 10% of my paycheck in savings every month...that does not always work out for me, but even 5% is better than nothing. I will not shop for food without coupons. My motto used to be if I don't have a coupon for it I won't buy it... My new motto is... IF I DO NOT HAVE A COUPON AND IT IS NOT ON SALE...IT DOES NOT GO IN THE SHOPPING CART.
I cash in cans and bottles, I have a garden, I home can veggies from my garden. Reading is my favorite past time... I do not hang out at the mall or any other expensive places. I do not buy the latest electronics, or the fashions of the week. I have completely adopted the frugal lifestyle and mostly out of necessity but also because I really do not want to work until I am Seventy.
I stand behind the protesters, but I also believe that you have to help yourself and take accountability for yourself. Learn how to manage your money, how to save your money and how to budget. Trust me your life will get better. It is not easy...but it truly is rewarding.
Have a Fabulous & Frugal Day!!!!
Wednesday, October 19, 2011
10 Coupon Strategies to Save Money
I found this today over at the Wisdom Journal..... and I couldn't have said it better. I do try to match the sales to the coupons...because that is really good savings, and when you can get groceries for cheap and free, that is just fabulous. Have a Fabulous & Frugal Day!!!!
10 Coupon Strategies To Save Big Bucks
Posted: 18 Oct 2011 11:00 PM PDT
Do you have a coupon strategy? If you’re using all of my 101 Ways To Take A Bite Out Of Your Food Budget, coupons can be a great way to save some serious additional cash. But to save even more, try one or all of these strategies:
Coupon strategies that work:
Only use coupons to buy products you really use
Layer your coupons with sales and store specials
Find your favorite coupon websites and visit them regularly
Visit those sites early in the month for the best deals
Don’t neglect the manufacturer’s sites
Set up a different email address for couponing
Give the grocery store’s website a visit too
Grocery stores aren’t the only place to buy food or use coupons
Inquire about double coupons
Join the loyalty program
1. Only use coupons to buy products you really use
If you don’t use it or wind up throwing it out, it really doesn’t matter how much money you save. According to the US Department of Agriculture, Americans throw out over 25% of all the food they buy. If you suspect you won’t eat, consume or use it, don’t buy it … regardless of the savings.
2. Layer your coupons with sales and store specials
Make every attempt to combine your savings opportunities. If you run across a 10 for $10 deal and you have a coupon for $1.00 off … that’s layering.
3. Find your favorite coupon websites and visit them regularly
Coupon issuers will offer many more coupons on these sites than those offered on the manufacturer’s sites, but make sure you check with them on a frequent basis. Many coupons are offered for only a short period of time.
but NEVER pay for coupons. Any site that wants you to pay for a coupon is most likely a scam.
4. Visit those sites early in the month for the best deals
When manufacturers do limit the total number of coupons offered, it usually happens early in the month. Be there first and you’ll get your choice of the offerings.
5. Don’t neglect the manufacturer’s sites
Visiting a manufacturer’s site (such as Kraft) may take a little longer but it’s a great way to find coupons on the specific items you want and use.
6. Set up a different email address for couponing
If you provide an e-mail and/or regular mail address, you can often receive additional coupons direct from the manufacturer. Just do this one thing: set up an entirely different email for receiving coupon offers. Trust me.
7. Give the grocery store’s website a visit too
Your supermarket probably has its own website. It may not offer coupons BUT it probably does have the store’s current ad and store specials. Use it with your coupons to layer your savings and save your gasoline.
8. Grocery stores aren’t the only place to buy food or use coupons
Drug stores and other big box retailers also carry food items and other household goods and most accept coupons. Use the information on those websites to match your coupons with the store’s specials.
9. Inquire about double coupons
Just call and ask — it’s only a few buttons on a phone! Some stores double them as a matter of policy while others may double them only on certain days. Ask about double coupon limits, say up 50 or 99 cents. Of course some stores don’t double ANY coupons but you never know until you ask. That 99 cent coupon may be worth a lot more than you think.
10. Join the loyalty program
Usually you’ll get a card and with that card comes benefits – usually a discount on certain products at the register. The downside is that the store tracks your every purchase but it may mail or email coupons to you based on your previous purchases. Some stores will even mail you coupons on things you don’t normally get coupons for such as milk, vegetables, or fresh fruit.
Couponing is hard work
But it’s worth it. My family has saved 25 – 40 percent using coupons on many occasions and when you have 5 mouths to feed, that’s a welcome relief!
10 Coupon Strategies To Save Big Bucks
Posted: 18 Oct 2011 11:00 PM PDT
Do you have a coupon strategy? If you’re using all of my 101 Ways To Take A Bite Out Of Your Food Budget, coupons can be a great way to save some serious additional cash. But to save even more, try one or all of these strategies:
Coupon strategies that work:
Only use coupons to buy products you really use
Layer your coupons with sales and store specials
Find your favorite coupon websites and visit them regularly
Visit those sites early in the month for the best deals
Don’t neglect the manufacturer’s sites
Set up a different email address for couponing
Give the grocery store’s website a visit too
Grocery stores aren’t the only place to buy food or use coupons
Inquire about double coupons
Join the loyalty program
1. Only use coupons to buy products you really use
If you don’t use it or wind up throwing it out, it really doesn’t matter how much money you save. According to the US Department of Agriculture, Americans throw out over 25% of all the food they buy. If you suspect you won’t eat, consume or use it, don’t buy it … regardless of the savings.
2. Layer your coupons with sales and store specials
Make every attempt to combine your savings opportunities. If you run across a 10 for $10 deal and you have a coupon for $1.00 off … that’s layering.
3. Find your favorite coupon websites and visit them regularly
Coupon issuers will offer many more coupons on these sites than those offered on the manufacturer’s sites, but make sure you check with them on a frequent basis. Many coupons are offered for only a short period of time.
but NEVER pay for coupons. Any site that wants you to pay for a coupon is most likely a scam.
4. Visit those sites early in the month for the best deals
When manufacturers do limit the total number of coupons offered, it usually happens early in the month. Be there first and you’ll get your choice of the offerings.
5. Don’t neglect the manufacturer’s sites
Visiting a manufacturer’s site (such as Kraft) may take a little longer but it’s a great way to find coupons on the specific items you want and use.
6. Set up a different email address for couponing
If you provide an e-mail and/or regular mail address, you can often receive additional coupons direct from the manufacturer. Just do this one thing: set up an entirely different email for receiving coupon offers. Trust me.
7. Give the grocery store’s website a visit too
Your supermarket probably has its own website. It may not offer coupons BUT it probably does have the store’s current ad and store specials. Use it with your coupons to layer your savings and save your gasoline.
8. Grocery stores aren’t the only place to buy food or use coupons
Drug stores and other big box retailers also carry food items and other household goods and most accept coupons. Use the information on those websites to match your coupons with the store’s specials.
9. Inquire about double coupons
Just call and ask — it’s only a few buttons on a phone! Some stores double them as a matter of policy while others may double them only on certain days. Ask about double coupon limits, say up 50 or 99 cents. Of course some stores don’t double ANY coupons but you never know until you ask. That 99 cent coupon may be worth a lot more than you think.
10. Join the loyalty program
Usually you’ll get a card and with that card comes benefits – usually a discount on certain products at the register. The downside is that the store tracks your every purchase but it may mail or email coupons to you based on your previous purchases. Some stores will even mail you coupons on things you don’t normally get coupons for such as milk, vegetables, or fresh fruit.
Couponing is hard work
But it’s worth it. My family has saved 25 – 40 percent using coupons on many occasions and when you have 5 mouths to feed, that’s a welcome relief!
Friday, September 23, 2011
Garden Harvest
Thought I would share what I picked out of my garden about 5 minutes ago. Will be making my first batch of salsa this weekend.
Have a Fabulous & Frugal Day!!!
Tuesday, September 20, 2011
Laundry Soap
Okay... Here it is!!! Everyone has been asking me to post my laundry soap recipe so... here you all have it
2 cups Borax
2 cups Super Washing Soda
1/2 bar of Fels-Naptha (grated with the cheese grater)
Mix together with a spoon ~ 50 strokes
Cover in a plastic container~ and voila' laundry soap
Note: This soap does not foam or suds... it is mellow and smells delicious and clean
and you only have to use 2 tablespoons of the soap for a load of laundry, you can use 3 tablespoons if you have a pretty soiled load of laundry.
Have a Fabulous & Frugal Day!!!!
Wednesday, September 14, 2011
No Easy Way To Save Money
Lets face it... There is no easy or painless way to save money. In order to save, you are literally doing without, and making sacrifices. I save my change, and I put a little money away each month, sometimes it is only 50 dollars. I keep telling myself that this little by little savings attempt is going to change my life. Last month I got a surprise orthodontist bill. My daughter was due to get her braces off, and I had just paid off the last 1200 dollars that I owed in February. So imagine my surprise when I got a bill for 879 more dollars. They were for the retainers and must be paid in full or they would not be removing the braces. I picked my jaw up off the floor and went to change my pants.
At first I was shocked, and then mad. But what can you do? I gathered my wits, and came up with the idea to have a yard sale, I needed to get rid of some crap anyway, might as well make some money. I cried and whined to my working daughter and asked for help paying the bill which netted me 255 dollars toward the payment. I made 170 dollars at the yard sale, it was an impromptu yard sale, one day no advertising, so that was not so bad. I used my insurance reimbursement check to the tune of about 230 dollars.... and took all the rest out of my savings account.
I was thrilled with my creative money endeavors, but extremely sad to take money out of my precious savings account.
When I took the money to the billing office at the Orthodontist... I told them that they needed to take me out to dinner.
I am relieved and happy to have this terrible bill out of my way~ forever by the way, my daughters braces are off and she has a beautiful smile. I just have to get back to cutting back and doing without, so that I can replace that money in my savings account.
Have a Fabulous & Frugal Day!!!!
At first I was shocked, and then mad. But what can you do? I gathered my wits, and came up with the idea to have a yard sale, I needed to get rid of some crap anyway, might as well make some money. I cried and whined to my working daughter and asked for help paying the bill which netted me 255 dollars toward the payment. I made 170 dollars at the yard sale, it was an impromptu yard sale, one day no advertising, so that was not so bad. I used my insurance reimbursement check to the tune of about 230 dollars.... and took all the rest out of my savings account.
I was thrilled with my creative money endeavors, but extremely sad to take money out of my precious savings account.
When I took the money to the billing office at the Orthodontist... I told them that they needed to take me out to dinner.
I am relieved and happy to have this terrible bill out of my way~ forever by the way, my daughters braces are off and she has a beautiful smile. I just have to get back to cutting back and doing without, so that I can replace that money in my savings account.
Have a Fabulous & Frugal Day!!!!
Monday, September 12, 2011
What's In Your Wallet?
My frugal life has apparently left me watching too much TV because I am soooo sick of the Capital One commercials. You know the ones... where the neanderthals run around pillaging in furs and chains with their medieval looking swords, and balls with spikes on chains, encouraging everyone to charge everything in site so that you can get rewards back.
Have these neanderthals checked the interest rates of Capital One lately? I am telling you, don't be a NEANDERTHAL, and put that credit card away. Better yet, cut it up and pay it off. You will money ahead.
Have a Fabulous & Frugal Day!!!
Have these neanderthals checked the interest rates of Capital One lately? I am telling you, don't be a NEANDERTHAL, and put that credit card away. Better yet, cut it up and pay it off. You will money ahead.
Have a Fabulous & Frugal Day!!!
Money Drains
I wanted to share a post that I found over at The Wisdom Journal. Here are 21 yes count them up 21 huge money drains. How many are you guilty of? How many am I guilty of? When you see the yearly cost of convenience, negligence, and indulgence.... I think it makes it easier to live more simply.
Have a Fabulous & Frugal Day!!!!
How Convenience, Negligence, and Indulgence Can Rob You Of $500,000
Posted: 11 Sep 2011 11:04 PM PDT
There are a lot of “major” money wasters and I’ve covered several of them in past articles (read The REAL Top Money Drains) but those are usually easy to spot. What isn’t so easy to spot are the little leaks, the little foxes that spoil the vines. Far too often small amounts of cash slip through our hands and because the amounts aren’t very large, those spending indiscretions aren’t considered critical or even slightly important. Most of them occur without a thought.
That’s unfortunate because I’ve found that small amounts, over time, can compound into very large amounts (much like Ally Bank’s Raise Your Rate CD). Where the problem arises is that most, if not all, of these little expenses are nothing more than guilty pleasures or inattention to detail. But have you ever considered how much you and I are trading off for convenience and a little temporary enjoyment? What happens if we look at those expenses in annual terms and then compound them for 15 years? You might be surprised, and even a little disgusted. I was.
I looked at the following 21 money drains by compounding their costs monthly over 15 years at a 7% interest rate. Think about this, how old will you be in 15 years? Are you willing to give up these funds in exchange for a little convenience and temporary pleasure?
Money Drains
1. Overpaying for Car Insurance
With companies like GoInsuranceRates,com, there’s no excuse for spending too much for car insurance. With potential savings each year of $300 ($25/month), saving those funds for 15 years would mean an additional $7,924.06 in your pocket … all by going to a website and making sure your insurance premium was in line.
2. Coffee
It’s almost cliche to talk about cutting back on froufrou coffees and lattes as a way to save some money but it IS true. Buying just one brewed coffee (not even the latte!) per day at only $1.50 per workday could save you $10,301.27 over the next 15 years.
3. Food
Did you know the average family in North America throws out at least $600 in food per year because of spoilage … or the refusal to eat leftovers? Compounded with interest, that $50/month equals $15,848.11 over the next decade and a half.
4. Bank Checking Account Fees
There is absolutely NO excuse for paying bank fees! With a bank like PerkStreet (which has no monthly fees AND pays rewards, too) you can easily avoid losing $1,885.93 over the next 15 years.
Sign up for your own PerkStreet checking account here!
5. Late Fees
Whether late fees from credit cards, late car loan payments, or an occasional late mortgage payment, racking up just $200 per year in these “inattention to detail” fees amount to $5,282.70 in lost revenue to you.
6.Leaving Money in Non Interest Bearing Accounts
If you’re leaving money in an account that pays pitiful interest (like most traditional bank savings accounts), consider moving to an Ally Bank Savings account. Earning just $100 per year means you’re earning more interest and NOT losing out on $2,641.35.
7.Credit Card Interest Charges
With the average credit card balance running around $9,000 and the average rate at 14 percent, you’ll spend $1,127.87 per year in interest charges alone. Compound that amount over 15 years without paying off your card and you’ll give up $29,791.02 in interest … plus the $9,000. The BEST way to avoid interest charges is by moving your current credit card account to a ZERO percent balance transfer card like the Discover® Motiva Card.
Apply NOW for the Discover® Motiva Card!
8. Personal Care
Manicures, pedicures, haircuts, hair highlights, massages. Sure, you may “deserve it,” but average just $20 per week on these personal items and you’re giving up $27,470.07 over the long run.
9. Car Washes
In my area, an automatic car wash costs $7. Get one twice per month and through in an annual detailing at $100 and you’re losing $7,078.82.
10. Daily Afternoon Soda
At only $1.50 per soda, and only buying one during the weekday, you’re still sacrificing $10,301.27
11. Lunches Out During the Week
I remember when I first started in the workforce and my buddies and I went out to eat once or twice per week. Once I figured out how much I was spending, I was horrified! With lunches today costing an average of $10, I don’t understand how some people do it every single day. I personally know people who make only about $10 per hour who eat out every day and thereby give up $66,033.81!
12. Vending Machine Snacks
You know the drill. At just ONE DOLLAR per day spent on junk food or candy you lose $6,867.52. How does that candy bar taste now?
13.Bottled Water
At $1.49 per bottle per day, it adds up! How does $14,365.00 for water grab you?
14. Unused Memberships
Between the gym, the hunting club, the country club, or some social club, if you aren’t using your membership, you’re not just wasting money. You’re giving up thousands in future cash. Just $50/month over 15 years means you lose $15,848.11.
15. Movies and Entertainment
With the high cost of movie tickets, combined with the exorbitant expense of 2 large drinks, a medium popcorn and a box of Sour Patch Kids, simply going to a move twice per month could wind up costing you $20,285.59 over the next 15 years.
16. Premium Fuel
I have a friend who cannot be convinced to put anything other than premium fuel in the tank of his … Buick. At 15,000 miles per year and 20 mpg and with premium fuel costing about 20 cents more than regular, that’s $150 per year and $3,962.03 over the next 15 of them.
17. Lottery Tickets/Gambling
I’m not sure if anything on this list is more wasteful than spending money on lottery tickets or gambling. Assuming $10 per week in lottery tickets (which is quite normal I’m told) you’re not winning millions … or even thousands … or even hundreds. You’re losing $13,735.03.
18. Premium Cable
Many of the premium packages as well as the satellite deals can easily cost $100 per month. Is it really worth it to be able to see every single NFL game or MLB game if it costs $31,696.23 over the next 15 years?
19. Cigarettes
It does seem that fewer and fewer people are indulging in cigarettes and given the high costs, it’s no wonder. Still, a pack per day smoker loses as much as $72,307.02 in our scenario.
20. Booze
I like a nice cold one as much as the next guy, but going out and spending $5 per day on a bottle of beer (or some other adult beverage) means you give up $34,337.58 assuming you save it instead.
21. Speeding Tickets
How much is your lead foot costing you? It doesn’t just cost you a ticket, there’s also the rising cost of car insurance (remember #1 above?). With the average ticket costing $175, getting one per year means getting there a few minutes early will cost you $4,622.37.
GRAND TOTAL: $392,283.63 of After Tax Dollars
And that is with AFTER TAX dollars. With a tax rate of just 28 percent, you’re looking at $544,838.38! That’s over a HALF MILLION dollars lost over 15 years on convenience, negligence, and indulgence?
Have a Fabulous & Frugal Day!!!!
How Convenience, Negligence, and Indulgence Can Rob You Of $500,000
Posted: 11 Sep 2011 11:04 PM PDT
There are a lot of “major” money wasters and I’ve covered several of them in past articles (read The REAL Top Money Drains) but those are usually easy to spot. What isn’t so easy to spot are the little leaks, the little foxes that spoil the vines. Far too often small amounts of cash slip through our hands and because the amounts aren’t very large, those spending indiscretions aren’t considered critical or even slightly important. Most of them occur without a thought.
That’s unfortunate because I’ve found that small amounts, over time, can compound into very large amounts (much like Ally Bank’s Raise Your Rate CD). Where the problem arises is that most, if not all, of these little expenses are nothing more than guilty pleasures or inattention to detail. But have you ever considered how much you and I are trading off for convenience and a little temporary enjoyment? What happens if we look at those expenses in annual terms and then compound them for 15 years? You might be surprised, and even a little disgusted. I was.
I looked at the following 21 money drains by compounding their costs monthly over 15 years at a 7% interest rate. Think about this, how old will you be in 15 years? Are you willing to give up these funds in exchange for a little convenience and temporary pleasure?
Money Drains
1. Overpaying for Car Insurance
With companies like GoInsuranceRates,com, there’s no excuse for spending too much for car insurance. With potential savings each year of $300 ($25/month), saving those funds for 15 years would mean an additional $7,924.06 in your pocket … all by going to a website and making sure your insurance premium was in line.
2. Coffee
It’s almost cliche to talk about cutting back on froufrou coffees and lattes as a way to save some money but it IS true. Buying just one brewed coffee (not even the latte!) per day at only $1.50 per workday could save you $10,301.27 over the next 15 years.
3. Food
Did you know the average family in North America throws out at least $600 in food per year because of spoilage … or the refusal to eat leftovers? Compounded with interest, that $50/month equals $15,848.11 over the next decade and a half.
4. Bank Checking Account Fees
There is absolutely NO excuse for paying bank fees! With a bank like PerkStreet (which has no monthly fees AND pays rewards, too) you can easily avoid losing $1,885.93 over the next 15 years.
Sign up for your own PerkStreet checking account here!
5. Late Fees
Whether late fees from credit cards, late car loan payments, or an occasional late mortgage payment, racking up just $200 per year in these “inattention to detail” fees amount to $5,282.70 in lost revenue to you.
6.Leaving Money in Non Interest Bearing Accounts
If you’re leaving money in an account that pays pitiful interest (like most traditional bank savings accounts), consider moving to an Ally Bank Savings account. Earning just $100 per year means you’re earning more interest and NOT losing out on $2,641.35.
7.Credit Card Interest Charges
With the average credit card balance running around $9,000 and the average rate at 14 percent, you’ll spend $1,127.87 per year in interest charges alone. Compound that amount over 15 years without paying off your card and you’ll give up $29,791.02 in interest … plus the $9,000. The BEST way to avoid interest charges is by moving your current credit card account to a ZERO percent balance transfer card like the Discover® Motiva Card.
Apply NOW for the Discover® Motiva Card!
8. Personal Care
Manicures, pedicures, haircuts, hair highlights, massages. Sure, you may “deserve it,” but average just $20 per week on these personal items and you’re giving up $27,470.07 over the long run.
9. Car Washes
In my area, an automatic car wash costs $7. Get one twice per month and through in an annual detailing at $100 and you’re losing $7,078.82.
10. Daily Afternoon Soda
At only $1.50 per soda, and only buying one during the weekday, you’re still sacrificing $10,301.27
11. Lunches Out During the Week
I remember when I first started in the workforce and my buddies and I went out to eat once or twice per week. Once I figured out how much I was spending, I was horrified! With lunches today costing an average of $10, I don’t understand how some people do it every single day. I personally know people who make only about $10 per hour who eat out every day and thereby give up $66,033.81!
12. Vending Machine Snacks
You know the drill. At just ONE DOLLAR per day spent on junk food or candy you lose $6,867.52. How does that candy bar taste now?
13.Bottled Water
At $1.49 per bottle per day, it adds up! How does $14,365.00 for water grab you?
14. Unused Memberships
Between the gym, the hunting club, the country club, or some social club, if you aren’t using your membership, you’re not just wasting money. You’re giving up thousands in future cash. Just $50/month over 15 years means you lose $15,848.11.
15. Movies and Entertainment
With the high cost of movie tickets, combined with the exorbitant expense of 2 large drinks, a medium popcorn and a box of Sour Patch Kids, simply going to a move twice per month could wind up costing you $20,285.59 over the next 15 years.
16. Premium Fuel
I have a friend who cannot be convinced to put anything other than premium fuel in the tank of his … Buick. At 15,000 miles per year and 20 mpg and with premium fuel costing about 20 cents more than regular, that’s $150 per year and $3,962.03 over the next 15 of them.
17. Lottery Tickets/Gambling
I’m not sure if anything on this list is more wasteful than spending money on lottery tickets or gambling. Assuming $10 per week in lottery tickets (which is quite normal I’m told) you’re not winning millions … or even thousands … or even hundreds. You’re losing $13,735.03.
18. Premium Cable
Many of the premium packages as well as the satellite deals can easily cost $100 per month. Is it really worth it to be able to see every single NFL game or MLB game if it costs $31,696.23 over the next 15 years?
19. Cigarettes
It does seem that fewer and fewer people are indulging in cigarettes and given the high costs, it’s no wonder. Still, a pack per day smoker loses as much as $72,307.02 in our scenario.
20. Booze
I like a nice cold one as much as the next guy, but going out and spending $5 per day on a bottle of beer (or some other adult beverage) means you give up $34,337.58 assuming you save it instead.
21. Speeding Tickets
How much is your lead foot costing you? It doesn’t just cost you a ticket, there’s also the rising cost of car insurance (remember #1 above?). With the average ticket costing $175, getting one per year means getting there a few minutes early will cost you $4,622.37.
GRAND TOTAL: $392,283.63 of After Tax Dollars
And that is with AFTER TAX dollars. With a tax rate of just 28 percent, you’re looking at $544,838.38! That’s over a HALF MILLION dollars lost over 15 years on convenience, negligence, and indulgence?
Saturday, August 20, 2011
Christmas Shopping
Yes, yes I know it is 92 degrees outside.. what in the world am I doing writing about Christmas Shopping? Well folks, it is never too early to start planning. Right now with all of the "back to school" sales it is a perfect time to start shopping. I have noticed by looking through the local advertisements, that there is so much more on sale than just clothes and school supplies. I have seen great ads on kitchenware and dishes, towels, bedding, and furniture. Also keep in mind that there is "end of season" clearance going on as well. It is a great time to take advantage of all of the sales and super low prices.
Have a Fabulous & Frugal Day!!!!
Have a Fabulous & Frugal Day!!!!
Thursday, August 11, 2011
Ham & Cheese on French Toast
Yes that's right!!! Yesterday I made French toast, and today I took 2 slices of left over french toast and put 2 slices of ham and some cheese in the middle.... made it into a sandwich and microwaved it for 30 seconds to get the cheese all nice and melty. This is a delicious breakfast sandwich, and You could use whatever is left over... bacon, or turkey, cream cheese, anything really. I just love being able to utilize my leftovers and make something new to eat ..... McDonalds eat your heart out.
Have a Fabulous & Frugal Day!!!!!
Have a Fabulous & Frugal Day!!!!!
Monday, August 8, 2011
Home Remedies
My Uncle Ed sent these Home remedies to me and I thought that I would share... I really do think that if you have some major ailment that won't go away, that you should totally see a doctor
Have a Fabulous & Frugal Day!!!!!
Who knew?
Eliminate ear mites. All it takes is a few drops of Wesson Corn Oil in your cat's ear. Massage it in, then clean with a cotton ball. Repeat daily for 3 days. The oil soothes the cat's skin, smothers the mites, and accelerates healing.
Kills fleas instantly. Dawn Dishwashing Liquid does the trick. Add a few drops to your dog's bath and shampoo the animal thoroughly. Rinse well to avoid skin irritations. Good-bye fleas.
Rainy day cure for dog odor: Next time your dog comes in from the rain, simply wipe down the animal with Bounce or any dryer sheet, instantly making your dog smell springtime fresh.
Did you know that drinking two glasses of Gatorade can relieve headache pain almost immediately-without the unpleasant side effects caused by traditional pain relievers?
Did you know that Colgate Toothpaste makes an excellent salve for burns?
Before you head to the drugstore for a high-priced inhaler filled with mysterious chemicals, try chewing on a couple of curiously strong Altoids peppermints. They'll clear up your stuffed nose.
Achy muscles from a bout of the flu? Mix 1 tablespoon horseradish in 1 cup of olive oil. Let the mixture sit for 30 minutes, then apply it as a massage oil for instant relief for aching muscles.
Sore throat? Just mix 1/4 cup of vinegar with 1/4 cup of honey and take 1 tablespoon six times a day. The vinegar kills the bacteria.
Cure urinary tract infections with Alka-Seltzer. Just dissolve two tablets in a glass of water and drink it at the onset of the symptoms. Alka-Seltzer begins eliminating urinary tract infections almost instantly-even though the product was never been advertised for this use.
Honey remedy for skin blemishes...cover the blemish with a dab of honey and place a Band-Aid over it. Honey kills the bacteria, keeps the skin sterile, and speeds healing. Works overnight.
Listerine therapy for toenail fungus: Get rid of unsightly toenail fungus by soaking your toes in Listerine Mouthwash. The powerful antiseptic leaves your toenails looking healthy again.
Easy eyeglass protection...to prevent the screws in eyeglasses from loosening, apply a small drop of Maybelline Crystal Clear Nail Polish to the threads of the screws before tightening them.
Cleaning liquid that doubles as bug killer...if menacing bees, wasps, hornets, or yellow jackets get in your home and you can't find the insecticide, try a spray of Formula 409. Insects drop to the ground instantly.
Smart splinter remover: Just pour a drop of Elmer's Glue-All over the splinter, let dry, and peel the dried glue off the skin. The splinter sticks to the dried glue.
Hunt's Tomato Paste boil cure...cover the boil with Hunt's Tomato Paste as a compress. The acids from the tomatoes soothe the pain and bring the boil to a head.
Balm for broken blisters...to disinfect a broken blister, dab on a few drops of Listerine, a powerful antiseptic.
Vinegar to heal bruises...soak a cotton ball in white vinegar and apply it to the bruise for 1 hour. The vinegar reduces the blueness and speeds up the healing process.
Quaker Oats for fast pain relief...it's not for breakfast any more! Mix 2 cups of Quaker Oats and 1 cup of water in a bowl and warm in the microwave for 1 minute, cool slightly, and apply the mixture to your hands for soothing relief from arthritis pain.
Have a Fabulous & Frugal Day!!!!!
Who knew?
Eliminate ear mites. All it takes is a few drops of Wesson Corn Oil in your cat's ear. Massage it in, then clean with a cotton ball. Repeat daily for 3 days. The oil soothes the cat's skin, smothers the mites, and accelerates healing.
Kills fleas instantly. Dawn Dishwashing Liquid does the trick. Add a few drops to your dog's bath and shampoo the animal thoroughly. Rinse well to avoid skin irritations. Good-bye fleas.
Rainy day cure for dog odor: Next time your dog comes in from the rain, simply wipe down the animal with Bounce or any dryer sheet, instantly making your dog smell springtime fresh.
Did you know that drinking two glasses of Gatorade can relieve headache pain almost immediately-without the unpleasant side effects caused by traditional pain relievers?
Did you know that Colgate Toothpaste makes an excellent salve for burns?
Before you head to the drugstore for a high-priced inhaler filled with mysterious chemicals, try chewing on a couple of curiously strong Altoids peppermints. They'll clear up your stuffed nose.
Achy muscles from a bout of the flu? Mix 1 tablespoon horseradish in 1 cup of olive oil. Let the mixture sit for 30 minutes, then apply it as a massage oil for instant relief for aching muscles.
Sore throat? Just mix 1/4 cup of vinegar with 1/4 cup of honey and take 1 tablespoon six times a day. The vinegar kills the bacteria.
Cure urinary tract infections with Alka-Seltzer. Just dissolve two tablets in a glass of water and drink it at the onset of the symptoms. Alka-Seltzer begins eliminating urinary tract infections almost instantly-even though the product was never been advertised for this use.
Honey remedy for skin blemishes...cover the blemish with a dab of honey and place a Band-Aid over it. Honey kills the bacteria, keeps the skin sterile, and speeds healing. Works overnight.
Listerine therapy for toenail fungus: Get rid of unsightly toenail fungus by soaking your toes in Listerine Mouthwash. The powerful antiseptic leaves your toenails looking healthy again.
Easy eyeglass protection...to prevent the screws in eyeglasses from loosening, apply a small drop of Maybelline Crystal Clear Nail Polish to the threads of the screws before tightening them.
Cleaning liquid that doubles as bug killer...if menacing bees, wasps, hornets, or yellow jackets get in your home and you can't find the insecticide, try a spray of Formula 409. Insects drop to the ground instantly.
Smart splinter remover: Just pour a drop of Elmer's Glue-All over the splinter, let dry, and peel the dried glue off the skin. The splinter sticks to the dried glue.
Hunt's Tomato Paste boil cure...cover the boil with Hunt's Tomato Paste as a compress. The acids from the tomatoes soothe the pain and bring the boil to a head.
Balm for broken blisters...to disinfect a broken blister, dab on a few drops of Listerine, a powerful antiseptic.
Vinegar to heal bruises...soak a cotton ball in white vinegar and apply it to the bruise for 1 hour. The vinegar reduces the blueness and speeds up the healing process.
Quaker Oats for fast pain relief...it's not for breakfast any more! Mix 2 cups of Quaker Oats and 1 cup of water in a bowl and warm in the microwave for 1 minute, cool slightly, and apply the mixture to your hands for soothing relief from arthritis pain.
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