"Living Better...For Less"
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"The Dollar Stretcher" does not assume responsibility for advice given. All advice should be weighed against your own abilities and circumstances and applied accordingly. It is up to the reader to determine if advice is safe and suitable for his or her own situation.
In this issue:
Introduction
Frozen Assets
Lunches
by Deborah Taylor-Hough
MomCare
Reading is Fundamental
By Deb Frantz
Tips to Simplify Your Holidays
by Kimberly & Tom Goodwin
Ask Bob: The Automotive Answer Man
by Bob DeP
My Best Bargain
Tips, Quips, Quotes & Questions
NEW ON THE WEB SITE THIS WEEK
From Corporation to the University: A Less Stressful Life?
Removing Stains from Khaki Clothes
Home Business Hotline: Taking Advantage
Troubleshooting Your Hot Water Heater
About Gardening:
Eat Better, Spend Less
UPCOMING CHATS
Armchair Millionaire
Hello to all my Frugal Friends!
Hope your kids are off to a good start in the new school year. Hard to believe that it's time to start thinking of costume parties and raking leaves. Speaking of that, please feel free to send in your best costume ideas. Although the door-to-door trick or treating I knew as a child is about gone, there are many churches and social organizations that have costume contests. It can be a good way to express your creativity.
We'd also be wise to start collecting and sharing fall home maintenance ideas. The kind of things you do to get your home ready to make the transition into winter. It would be nice to encourage each other through some chores that might otherwise be left undone.
Time to let you enjoy this issue. Please don't forget to forward a copy to a frugal friend!
All the Best!
Ink Jet Refills
"I love getting your newsletters. We tried the ink refills that
were advertised in your letter, and we couldn't be more pleased!
I can't believe how simple it was to refill our printer
cartridges! Our $89 investment purchased enough ink to last at
least 2 years if I go hog-wild! (Longer, if I stay
conservative!) The people are so nice! I loved talking with
Sandra when I placed the order, and I had to call her back and
let her know how pleased we were! Continue to let people know
about this wonderful offer! What a scam these printer companies
have going. We were going through a cartridge every other month
of both color and black. It cost anywhere from $30 to $35 to
replace each one! This is great! Keep up the good work!"
-- Becky L.
When you call or write, mention Dollar Stretcher to get $5 off
the shipping and handling.
Copyright 1998 Deborah Taylor-Hough
Lunches at home can be prepared easily in advance. Smaller servings of your regular dinner items can be served for a lighter noon-time meal. Many items can be frozen and then included in brown bag lunches, as well.
SANDWICHES:
QUICHE:
SOUP:
DESSERTS:
BASIC "USE-IT-UP" QUICHE
You can use almost any leftover vegetable or meat in this recipe. If you have eggs, milk, rice and cheese, you can practically clean out your fridge right into your quiche pan. I always add the cheese last when making this quiche. The cheese makes a beautiful mellow-brown crust on the top. I usually add a bit of chopped onion to my quiches for flavor, and broccoli makes an especially nice vegetable quiche.
Crust:
Filling:
Crust:
Filling:
Deborah Taylor-Hough (wife, mother of three, and free-lance writer) is the author of the soon-to-be released book, "Frozen Assets: How to Cook for a Day and Eat for a Month." The above information on frozen lunches and "Use It Up" Quiche were used with permission, and taken from the Frozen Assets book. For information on ordering a pre-release copy of Frozen Assets directly from the publisher, go to:
http://members.aol.com/DSimple/advance.html
Last time I wrote about having a spa vacation at home. OK, honestly how many tried it? Mmmm...don't see many hands out there. Why is it that we make sure everyone else is taken care of instead of us? We are the nurturers, making sure kids have activities and playgroups, interactions, learning and socialization but what about us.
We need to keep our minds fresh as well. And I don't mean by reading a recipe out of a woman's magazine. We as women, moms, need to keep ourselves fresh, our minds that is. So, when was the last time you read something, that wasn't A. for work/school, etc, B. on kids/parenting, C. full of ads/coupons. Reading is fundamental. We've heard that saying so many times, right? But, it is necessary to further our growth as human beings. Personally, I enjoy books on personal and spiritual growth and guess what sometimes I never crack open a book. How? By 'reading' books on tape, a boon to those with limited time but also needing to keep sane as well.
You may never of thought of this as a low cost way of keeping yourself out of the therapists office but it works. It works by you taking some time to grow and expand out of where you are right now. The library is full of books and tapes, for FREE, that will help you on this journey. And I will help you as well on this journey.
Discussing books with others, keeps you fresh and always looking for yet another meaning within the pages, and perhaps your life. So, for those interested, I am starting a Free Book Discussion group via email, just send email to: momsbookgroup-subscribe@makelist.com, and you will be on the list. I would like to discuss books, that are first of all, relatively short, also possibly available on cassettes, and with real heartfelt meaning to make you think about your life, ones' that will speak to our very souls, and ones' that will let us see a little growth by the time we turn the last page and also ones' to bring a little bubble of laughter and joy into your life.
Don't turn the last page on yourself. You are a never-ending story. Everyday is another day to begin anew. As one that gives constant nurturing, you also need constant nurturing too. Reading or listening to some excellent books is a way to expand and explore your world and to keep your intellectual life going among chaos. So, read a good book today!
Deb Frantz, mom of 3 girls, 8 1/2, 7, 22 mths.
Aside from the religious associations what is the goal of the holiday season?
Most people say it is about celebration, the spirit of giving and family and friends. With that in mind consider the following tips to help you reduce stress and enjoy your holidays more.
--* Finding More Time *--
Send holiday postcards in lieu of regular cards that require more writing, postage and stuffing an envelope.
Opt to NOT send holiday cards. Warn friends and family in advance that you are simplifying your life and not to expect holiday cards.
Send your holiday greetings via E-mail or internet if you can. It saves addressing and stuffing envelopes, stamps and gets there quicker.
Don't feel obligated to spend time with family and friends that really don't mean anything to you.
Video record your favorite shows and view them at a more convenient time. Be sure to fast forward through the commercials. Some 1 hour shows can have almost 20 minutes of commercials!
Hire someone to come in and clean up the previous day's effects on the day after Thanksgiving, Christmas, New Year's etc. We use this time to spend time with family, going to movies, etc.
Get a neighborhood teenager to help with housework, gift wrapping and other duties. They could probably use the money.
Order your postage stamps though the mail.
--* Simplify Gift Giving *--
Ask and get people what they really want. This not only helps them not have to return or figure out what to do with unwanted items but it also encourages them to do the same for you.
Buy holiday and birthday gifts all year long. It saves time, energy, money and hassle. OK, storage can be an issue but this gives you incentive to purge stuff that you may be needlessly holding on to.
~~We started doing this a couple years ago when expecting our second child in late October.
Additionally, our family has 5 birthdays in November and December. Wow! What a difference. And yes, we already have several gifts purchased.~~
Buy a family gift, not each family member a gift.
A nice holiday decoration if often well received.
Shoot for Monday, Tuesday or Wednesday
mornings, if you need to do shopping.
It is less crowded.
Do your shopping in one place. With list in hand go to your nearest mall and get it all at one time.
--* Heading it off at the pass *--
Plan quiet time and activities for you and your family.
Have your car serviced before the holidays to head off potential problems.
Limit extracurricular activities.
Avoid starting new projects.
Keep healthy, easy to prepare snacks on hand.
Don't skip meals. It can make you cranky and more likely to go for the fast food. And need we say the holidays are not the time to diet.
Make holiday dinners a potluck. Everyone brings a dish and even their own take home containers.
Use more larger decorations in place of a multitude of smaller ones.
Pay bills ahead. Pay about 20% above your normal utility or other bills so when the holidays are here you will have less bills to deal with and seemingly more funds.
Invite friends and family over for regular family dinners rather than having a dinner party.
It is more intimate and less stressful.
Let your answering machine serve you by collecting your calls. You can avoid running to the phone when it rings and you can sit down at a designated time to return calls. Solicitors will usually hang-up, if they do not get you live.
Have a holiday un-trimming party. Invite friends and family over to finish off the baked goods, serve cider and/or chocolate and put up holiday decorations.
Hope this gives you some tips to create a more joyful and less stressful holidays season this year.
If you would like more tips to help you Simplifying Your Holidays you may be interested in our booklet *Tips to Simplify Your Holidays*. Tom tomgoodwin@juno.com is a freelance writer that enjoys working with groups and individuals by writing press releases, tip booklets and more.
Kimberly kimberlygoodwin@juno.com is a self-marketing consultant, speaker and author.
She helps people Find Their Niche In Life & market their talents.
You are invited to subscribe to Kimberly's FREE monthly
personal success eNewsletter, MOMENTUM. Simply send
e-mail to the autoresponder at momentumonline@infofree.com,SUBJECT=GDS.
Dear Bob: I have a 97 mercury with v8 under the hood. We live in the South
and it get over 100 degrees here. When wife is aboard I use the air and it
gets awful hot under the hood. I have a quirk that I raise the hood and leave
the auto outside of the garage every time we return home. I figure that heat
destroys a lot of things. So I believe I am doing the right thing to let this
heat out from under the hood fast. This way the ignition wires and other
things that heat destroys will last a few years more than usually. I am old
enough not to have to buy another vehicle in my life time. Bob am I off my
rocker or does this make sense to you?
AC,
Good Luck!
Bob
Bob answers your auto questions. If you have a question for
Bob just sent it to him at: AskBob@stretcher.com.
This summer I was very anxious to install Pergo Flooring in our den. I
found it locally at Home Depot for $3.58 per square foot. This was
apparently an "every day" price that was not subject to sales. I went
on-line and after searching for some time I found Pergo at Ownens Carpet
in Dalton Georgia. The price there was $2.79 per square foot with a
$65.00 charge for shipping to my home in St. Louis, Mo. I printed their
homepage and took it to my nearby Home Depot store. Home Depot has a
policy that they will not only match a price but will discount a full
10% below the competitior's price. When I presented this information
they were true to their word and reduced the price to $2.51 per square
foot. While in the store I noticed that they also have a policy to take
10% off your first purchase when you open a Home Depot charge account,
which I did. This reduced my cost to $2.26 a square foot or $1.32 below
their normal price. This resulted in a $396.00 savings for the purchase
of the 300 square feet that I needed.
(editor's note: Please send your 'Best Bargains' to Gary@Stretcher.com.)
With three kitties and some very nice new furniture, we are needing to get good scratching posts and cat furniture to keep our sanity and household intact, but I am really amazed at the prices of not-very-good kitty condos etc at the pet stores. I've found one do it yourself scratching post on the web, but want more! Any ideas on where to find detailed instructions for a do-it-yourself kitty condo? We do have quite a bit of imagination, but would like some info to work from first of all! Thanks.
I am a second year graduate student who is interested in being frugal.
However, I have to put my studies first and comparison shopping, cutting
coupons, etc. takes a lot of time and energy. Any ideas on how to save
money on a tight budget, tight time and little energy to devote to
thriftiness? What are the big things that I can do to save money?
I have unfortunately gotten into some hefty debts with my credit cards.
I currently have 5 credit cards totaling $20K in debt. I have tried
to consolidate, and have moved from credit card to credit card whenever
I can get the lower promotional rates, and have transferred balances
until I am blue in the face. The promotional rates have all expired,
and now I can't get another credit card because of excessive credit,
excessive balances, etc. I pay about 2X the minimum amount each month, and can't afford too
much more. How can I get out from under this mess?
I have a Macintosh, which limits you to very few shareware programs. Most
of the large shareware programs are not available for the Mac. I have
tried out all of the shareware program for recipes that are available for
the Mac, and I wouldn't recommend any of them, unless you have File Maker
Pro and just want a simple program to organize and print recipes that you
type in yourself. (If you don't have File Maker Pro, this isn't very
practical, since it costs several hundred dollars.)
In response to your inquiry about the shareware recipe programs, why spend
the money? There are some really great sites on the internet that can be
accessed for free! One of my personal favorites is The Internet Chef Online
Magazine. There are literally hundreds of delicious recipes to be found at
this site alone. Bon Appetit!
I too moved from the fast paced private sector to working for a large
public university. The salary decrease was a shock. But I do love working
with students so it all works out in the end (or so I keep reminding myself
whenever I need to make a large purchase and must creatively budget for it.)
I have changed my lifestyle two or three times. One of the main things
I've discovered is that if we don't take care of the inner stress, it
doesn't matter what physical changes we make. When I would move to a more
rural or slower environment, within weeks I would be as busy as ever. My
wonderfully perceptive daughter would say "Mom, it doesn't matter if you
move to the slow lane, you always create your own fast lane".
I work at an espresso bar and have to wear khaki pants/shorts and boy
do I ever get stains on them!!! I have found a stain remover that is
really great.. It is called Zout Stain Remover. It is concentrated
and it gets old stains out too. I heard about it from a friend and
tried it out and it works!!
In a quart canning jar, or old mayonnaise jar; I save all my old soap chips,
then put them into the jar, and fill the jar up the rest of the way with
ammonia. I let this sit with the lid on for about two weeks. This
turns the soap chips into a gooey mixture. This mixture gets out grease
stains, grass stains and other tough stains. My family swears by this
goop!
Last week's issue of the Dollar Stretcher ezine had a question from a person
who asked whether it was wiser to slow a car with a manual transmission by
using the brake or the clutch. I would like to give another reason for
people to use their brakes to slow their cars; it is very difficult
sometimes to tell when a car is slowing when the driver is using his clutch;
the brake lights aren't connected to the clutch! I drive in heavy traffic on
the interstates around Nashville daily, and it can be annoying at the least,
and dangerous when drivers ahead slow down by using the clutch.
While your published article on scrapbooking is indeed a fun idea for a
young person, it contained information that would be dangerous to the
photos involved if photos were to be taken and placed in the scrapbook.
Photos should never be placed in anything that is not photo-safe, like
the book implied in the article. Regular paper contains acid that will
attack the photos and eventually destroy them. Regular paper also
contains lignin, a substance that will cause the paper itself to yellow,
crumble and eventually deteriorate. Memorabilia should also never touch
your photos, as it is usually made of regular paper products that are
acidic and will attack the photos. Finally, the instructions list glue,
glue stick and clear tape - all big no-no's for adhering photos to a
page. Photo corners are acceptable, but again, only if they are the
photo-safe kind. Same goes for the other photo adhesive options, and
there are several kinds available that are safe to use.
I have found that college
bookstores can be a great place to get really nice books. The bookstore
orders textbooks for all the classes, and then conveniently organizes
them by subject for you. If used textbooks are available, they sell
those, usually almost half off. Some of the "used" books were clearly
never even read by their previous owners! These books are usually hard
back, high-quality, and on every possible subject. Not all of the books
are the boring, dense things you remember from college. Lots of the
English books will be "The Classics" and make good gifts for kids. This
is an excellent place to find reference books and beautiful art books.
There are even children's books and popular novels, since there are
classes taught on those subjects at any major university. Even better,
if you don't want to keep the books, you can read them and sell them
back to the same store for anything from a few dollars to 80 per cent of
what you paid.
The boxes at the store, which my children seem to prefer to my
'stand-in-front-of-the-hot-stove' variety, never have enough for my hungry
kids. But, I have discovered that adding up to nearly a cup of extra pasta
does not change the flavor nor thin-out the cheese too much. This goes for
all pasta-in-a-box things and saves $ over using two boxes.
Subscribe to "The Dollar Stretcher" free weekly email newsletter
visit the Problem Solving Center
look through the 'by subject' index
check out Past Issues of Newsletter
drop by 'Tips, Quips & Quotes'
send email to the Editor of "The Dollar Stretcher"
Copyright 1998 "The Dollar Stretcher, Inc.". All rights reserved unless specifically noted.
Write to the Dollar Stretcher at:
by Heather Martin
http://www.stretcher.com/stories/980903c.htm
by The Natural Handyman
http://www.stretcher.com/stories/980903d.htm
Container Garden Crisis
by Mira Dessy
http://www.stretcher.com/stories/980903e.htm
Hungry Man Casserole
by Julie Davis
http://www.stretcher.com/stories/980903f.htm
sponsored by I-Village and Quicken
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"Living Within Your Means"
by Gary Foreman
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Gary
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ACSI Bulk Inks
Frozen Assets
Lunches
by Deborah Taylor-Hough
Dsimple@aol.com
These freeze well. Fillings that work for freezing include cooked meat, tuna, sliced cheese, cheese spreads, hard cooked egg yolks and nut butters. Use day old bread; spread bread lightly with butter or margarine to prevent fillings soaking into bread; mixing jelly, mayonnaise or salad dressing into the sandwich filling helps prevent soggy bread. Tomatoes and lettuce get limp when frozen, so add these after removing sandwich from freezer. Frozen sandwiches will thaw in lunch boxes in about three to four hours, staying fresh and cooling other foods in the lunch box at the same time.
For lunches, cooked quiche can be frozen in individually wrapped slices.
Serve warm (heated in microwave) or cold.
Homemade soups can be frozen easily in microwave-safe single-serving containers. Heat in microwave until thawed and hot.
Cookies and cakes can be frozen in individual servings and then placed still frozen into the lunch bag.
(Serves 6)
Mix together cooked rice, egg and soy sauce. Spread evenly to cover well- buttered quiche pan or pie plate. Bake rice crust at 350 F for 10 minutes.
Remove from oven.
Place chopped vegetable in bottom of crust. Mix together: eggs, milk, salt, pepper and nutmeg. Pour over broccoli. Top with grated cheese. Bake at 350 F for 45 minutes, or until set. Remove from oven, and let sit ten minutes before slicing, if serving fresh; or wrap pie pan, label and freeze. Quiche can be served cold after thawing for a yummy hot weather treat; or heat the thawed quiche at 350 F for 20 minutes.
MomCare
Reading is Fundamental
By Deb Frantz
dfrantz1@csi.com
http://momsconnection.base.org
ICQ#8864667
Tips to Simplify Your Holidays
by Kimberly & Tom Goodwin
Ask Bob: The Automotive Answer Man
Hot Under the Hood
by Bob DeP
AskBob@stretcher.com
Thanks.
A. C. in Shreveport La.
Sure, sounds like a logical thing to do, let the heat out! In NYC (Manhattan
especially) I see the taxi cabs driving around with the hood open to the second
latch. The also helps let the heat out, but I do not recommend driving around
like that!
Drive Safely!
The Auto Answer Man
My Best Bargain
Here a Discount, There a Discount
by SB
Homemade Kitty Condos?
Margaret
Spend Time vs. Saving Money
Thanks,
Angela
Hefty Debts
Need help fast.
-- M.E.
Please send your answers to: gary@stretcher.com. We'll include the best solutions in future issues.
If you have File Maker Pro already, there are a few recipe templates that
will help you organize your recipes. I tried Computer Cuisine, The
Computer Cookbook and Recipe Finder, and found them all very limited, you
can type in your recipes and print them, but that's about all. However,
they might give you a good place to start to create your own recipe program
or template. Two hypercard programs are Amy's Recipes and Datachef, which
both have the same limitations (no importing, no exporting, very little
flexibility).
I use Mastercook, which is a commercial program. However, there is a new
version coming out in the fall, and I have already seen the old version of
Mastercook in bargain bins and at discount stores like Costco and B.J.'s
for $10 or less. The Mac version and the PC version are on the same disk,
so you don't have to worry about compatibility, and all of the various
versions (Cooking Light, Deluxe, etc) have the same basic program, they
just come with different recipes.
-- Karen W
http://www.ichef.com/
-- D. P.
Working for a university does offer many fringe benefits that you don't get
in the private sector. For example, my husband (who also works for the
university) and I have full health coverage, eye care and dental. I rarely
had such comprehensive coverage while I was in the private sector (or the
premiums were priced out of sight.) We have a medical center at our
university and as long as use university doctors are costs are minimal. I
recently had surgery and since my doctor has privileges at the university
hospital my cost was $0! The insurance picked up everything.
We have access to all the university concerts, plays, etc. usually at a
discount because we work here. We can use the student rec center for free
so we save in health club fees (and ultimately doctor's visits). We can
take up to 10 credit hours of classes for free per quarter. My husband is
working on a second degree and this time it's costing him nothing!
While the bottom line paycheck is significantly lower, factor in the free
"extras" in a university position and you will see that your "pay" is much
higher than you think.
-- Lisa N-W
I have taught in colleges and currently am a Director of a Business
Development Center. I think your husband will like the academic
atmosphere--however I have one challenge for you--not to discourage you,
but to help prepare you. Colleges, all colleges, are notorious for gossip,
backbiting, inner political warfare and territorialism. If anyone in your
husband's department feels the least threatened by him, he will have to
bear that. HOWEVER--if you stick with it, try to stay clear of the campus
politics (some you have to be involved in), you will do fine. Often the
amenities that come with the job make it all worth it. For you, try to
find organizations, volunteer activities, etc. that are geared toward your
interests. Usually there are lots of wonderful activities in a college
town.
-- Carole.
ed's note: you'll find more readers sharing their experiences of finding a slower paced lifestyle at http://www.stretcher.com/stories/980903a.htm.
Gigi K.
Seattle, WA
-- Loretta C
ed's note: more suggestions at http://www.stretcher.com/stories/980903b.htm.
-- Su F.
Nashville, TN
If your readers want something that is not only fun to do, but will last
for years to come so that all the hard work will not be lost, they would
be much better advised to get a quality photo-safe scrapbook to store
their memories in and perhaps to even take a class that teaches how to
scrapbook in a safe way, not just the fun way. Even the best albums on
the market are not that expensive, especially if you get a kid-sized
book, and wouldn't you rather spend a *little* extra money and not have
all the hard work you or your child did go down the drain in just a few
years?
-- Melanie E.
Montgomery AL
They have very good sales at the end of semesters. Backpacks,
t-shirts, and sweatshirts are often marked way down (maybe 75 per cent)
because a new style will come out next season and the store needs to
move the merchandise. These make good gifts for high school students,
since college stuff is very "cool." And the end of the semester sales
fall just in time for Christmas or graduation gift shopping!
-- Emilie J. "poor" graduate student at Indian University
Happy eating.
-- Merry
ed's note: you'll find more reader's tips at http://www.stretcher.com/stories/980907t.htm
I Would like to:
go to the Front Page
Dollar Stretcher
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