Elly, Michael, David, Tawra and BJ


Thursday, March 15, 2007

Win a Copy of Dining On A Dime!

We are packing up and leaving tomorrow for Colorado. Mike and the kids are going to be there for a week and then I'm going to stay an additional 2 weeks at my in-laws rental in Estes Park BY MYSELF. Yeah! I am hoping this will give me a boost to help me start feeling better.
I will ride back with my grandparents when they come for Easter.

Mom and Mike will still be around to ship orders while we are gone.

We found out yesterday that Dr. Laura is going to be giving away 25 of our books on Monday!

Dr. Laura will mention the book in the second hour of the program. 1PM PST, you can stream live at www.kfi640.com – this is their local Los Angeles affiliate.

Listen in and you can maybe win a book!

I will be back bloggin on the 10th!

Tawra
www.Livingonadime.com

Wednesday, March 14, 2007

Saving money on groceries:

Saving money on groceries:

I shop at a cheaper grocery store (Aldi) to buy certain frozen vegetables and canned goods. I write down the price of my most-used items on the back of a business card and keep it in my wallet so that when I see a sale at another store on the same items, I know if it will be a better deal to get the sale item, or stick with my Aldi brand.

I don't buy convenience foods but cook most things from scratch. It usually doesn't take much longer to add 4 herbs to rice rather than a flavor packet with chemicals, so it's cheaper, healthier, and no less convenient.

I buy plain foods in bulk: rice, oats, flour, sugar, nuts, seeds, honey, beef, ground turkey, cheeses, etc. Most things won't spoil before we eat them and those that do can be frozen in smaller portions in our upright freezer. I buy from Costo (my brother's account) and from a local German Baptist, family owned bulk food store.

My son is 7 months old and making his baby food saves me money, and isn't that hard either. I wait until organic food goes on sale, then cook a large batch of sweet potato, carrots, etc. I use some for our dinner, then pulverize the rest in a food processor, freeze in ice cube trays, then pop out frozen "meals" into a freezer bag to store until needed.

To save on organic foods for me and my husband, I usually only buy it when it goes on sale. If it is something I might use in cooked food (basically anything but lettuce and fruit), I'll buy an extra one, chop and freeze until needed. I also look at the Shopper's Guide (http://www.foodnews.org/) from Environmental Working Group (http://www.ewg.org/). They test produce each year and rank foods from highest to lowest in pesticide residues. Those that tend to be lower in pesticides, I don't worry about buying organic.

During summer months you can also find a local farmer and buy produce direct.

I don't know how this compares but with these strategies, I spend about $200 a month on groceries for me, my husband, and 7 month old.

Hope this helps,
Kamie S.

Food Savings

From: Sheila R

I have not found many ways to buy organic food
cheaper, other than food co-ops but they do not
always have the fresh food.
However my tip for saving money on groceries is
this, I buy all baking supplies , including
rolled oats, popcorn, chocolate chips, baking
cups, vanilla, flour, bran , baking soda and
baking powder, spices, pudding mixes ( in
restaurant sized packages) , drink mixes (also in
restaurant sized packages) , basically any dry
good, beans, rasins, etc. these I buy once a year
store in large containers, some I freeze some in
the cold room, all in large quantity . This gets
me through a year, I find it much cheaper than
buying from a grocery store. I also buy our meat
this way too , a side of beef generally does our
family of 5 for the year. When I can I will get
chicken this way too. That way the rest of the
year I can have a weekly budget of $100 or less
to get all laundry, cleaning , diapers ( special
needs child), personal hygiene items and the
everyday stuff, milk , bread butter, cheese, etc.
and even a treat from the dollar store, or
perhaps a lunch out. Hope that those suggestions
may be helpful for others.

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Tuesday, March 13, 2007

Saving on hand soap

Hi Tawra & Jill,
I just read your laundry tips. I have one
for using less hand soap from a pump bottle.
Usually, one 'pump' uses more soap than is
necessary for washing your hands, especially for
children. I put a rubber band, looped until
tight, around the base of the pump. the pump then
goes down only half way, but still gives an
adequate amount of soap. This makes the soap last
twice as long.
Linda

####

Two Day Sale!

Get the Best of Living On A Dime e-book series for $17.00 (45% off the cost of buying these e-books individually). This sale ends Wednesday, March 14 at midnight, so don't delay! Get the best of Living On A Dime today.

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Dryer Sheets

From: Pat

I just wanted to add to the ideas about putting
dryer sheets in dresser drawers, etc. I like to
place one in the bottom of each family member's
laundry hamper. Those "baseball" socks can be
pretty overwhelming . . . :)

####

Two Day Sale!

Get the Best of Living On A Dime e-book series for $17.00 (45% off the cost of buying these e-books individually). This sale ends Wednesday, March 14 at midnight, so don't delay! Get the best of Living On A Dime today.

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Monday, March 12, 2007

Update

This is going to be a short week for us. The kids get out on Friday for spring break so we are going to go to Colorado for 9 days. We are hurrying trying to get things done before going. I've been feeling awful so getting myself motivated to do it is not the hardest thing to do right now!

We won't be in the office from March 16-26 so if you place an order it won't be shipped until after then.

Mike and the kids are going to come back on the 25 but I won't be back hopefully until April 5 or 6. My in-laws have a house they rent in Estes and so I am going to stay in Colorado for an extra week and half and try and get some rest. I have been really sick and I think I need a year to recover but I will take a week and half! :-) My grandparents live in Colorado are going to be coming back for Easter so I will ride back with them. I am looking forward to complete silence!

I'm off for a nap! I am going to try and get some energy before tackling more laundry! :-)

Tawra
www.LivingOnADime.com

Saving on organics

Hi Tawra,

Here is my tip on buying organic. I was able to
find an organic farmer in my area that was
willing to sell me organic spelt grain as long
as I ordered 1500 pounds. I call a few friends
and we each order 200-500 pounds and get a great
price. Grain stores well, so even if it takes
me a year or more to use it, it would still be
fine.
Melissa

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Bugs in Food and Drying Sweaters

Connie

I have two questions. First, what do you use for
a sweater rack when drying your sweaters? I'm
trying not to buy one.
Second, I found little black bugs in my rice and
pasta. Any idea what they are and how to get rid
of them?



I dry the sweaters on a towel on top of the dryer.

The bugs are weevils and you can get rid of them by putting your pasta and rice in the freezer for a day or two before storing. This will kill them.

Tawra
Visit us for money saving tips and free recipes!
www.LivingOnADime.com

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Saving on Movies

Hi Tawra and gang,
First off I'd like to say that my wife and I love
your site and books. We find a lot of good tips
and recipes that are very inexpensive.

I'd also like to add a comment to the article
where a reader called in about whether Netflix
was a good deal.

I agree with you that you can get a lot of good
movies at the library for free of charge. But for
those that are looking for a little more current
selection of movies and can still wait long
enough for the to go into the "non-new release"
section of the video stores, I recommend
Blockbuster's Rewards program. For less the $10
you get a coupon emailed to you for a free non
new release movie each month. Plus, once in a
while they email a $1.99 movie coupon that can be
used for a new release. Last year when it was
time for our renewal we received a coupon for
half off the membership price. That made it less
then $6 for a year and gave us at least 12 free
movies for the year.

On top of that I also found a site called
epoll.com that is a survey site. Doing surveys
for them, I have accumulated enough points to
redeem them for 3 free blockbuster rentals and
one $10 gift card for blockbuster. If one does
not want to redeem them for blockbuster cards you
can also redeem your points you get for
completing the surveys for other gift
certificates or donate them to charity.
Harrispollonline.com is also another good site
for doing surveys and getting points redeemable
for rewards. I've received about 4 dvd movies
from that site.

Hope these help some of your readers.

Tom

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Friday, March 09, 2007

Saving On Coffee

From: Amy

I love good coffee, but I would never pay
Starbuck's prices. I recently started buying
green coffee beans online (www.uroastem.com) and
roasting them myself using my oven. It takes
around 15 minutes to roast a weeks worth of
coffee beans, and it is unbelievably easy! The
difference is so amazing. They offer a ton of
varieties of beans, most average around $4.50 a
lb. They have a beginner's kit, which explains
everything for around $9 including shipping. Once
you get hooked, though, everyone will want some.
I just roasted a batch for my son's teacher, it
makes a great gift. Green beans keep a long time,
once roasted use within a week. That's not a
problem at my house!

*****
We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

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Saving On Toilet Paper

We get a lot of tips and most are ones that we've heard about or done for years but this one I have never heard of. It sounds very interesting and I ma going to check it out! I try to get the best deal that I "think" I can but have never really been able to find out if the double, mega, 12 pack or 24 packs are any better than the good old 4 pack of regular toilet paper.
I am going to check this one out! Tawra


From: laura

Hi, I didnt know where on your site to give a
tip that I feel would be useful to everyone. It
involves toilet paper,lol!

Funny as that sounds,
my tip is this- when purchasing toilet paper be
sure to check the total square feet amount on
each roll. Each roll should be 125 square ft
total. Most people grab a large packet of
several rolls, thinking they are getting more
for their money,when just the opposite is
happening. Your getting ripped off. Check the
pkg for the total square feet. Divide the Square
feet by the number of rolls in the pkg. If it
doesn't come out to 125 square feet per
roll,your getting ripped off. Some packages are
4 rolls, but don't even amount to the total of
125 square feet you can buy in a single roll
for .69cent or less. But they are paying close
to $3.00 for a 4 roll pack.

CHECK IT OUT AND SEE
IF I AM RIGHT, I BET I AM. Hope this info
helps,thanks. laura B. south glens falls,ny.

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Cleaning under the dryer.

Tawra, My Mother taught me to put a pantyhose over a yard stick and clean under the dryer and washer and stove, etc. I always think of her when I am using that trick. Love, Helen

***
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This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

Labels:

Grocery Store Savings

From: Connie

Here's my tip: When grocery shopping, take your
one-year-old twins with you who are just about
at nap time. It doesn't give you time to
BROWSE! I'm in and out as fast as can be.
Quite the money saver!



###
We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

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Selling Herbs

From: Kim
I'd like to find out more about how Tawra grew
and sold fresh herbs. Did she grow these in her
home? When she sold them to nearby stores did
she package them in containers of some kind?

I like this idea and think that fresh basil would
be appealing to people in my area. ~Kim~

I did it when we lived in Idaho. The season was from about the 2nd week of May to the 2nd week of Sept. where we lived so I had a 16x10 greenhouse. I grew them in the greenhouse and sold them to the restaurant in town. I did it that way so I didn't have a need for packaging. We just packaged them in bundles with rubber bands and sold them that way.

The best book that I read on the subject was Profits from your backyard Herb Garden by Lee Sturdivant.
Tawra


P.S.
We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week!

Thursday, March 08, 2007

Bathroom Storage

From: Kathryn

On the subject of bathroom tips.... with 4 kids,
we attached (4) double hooks to a piece of
decorative wood moulding and attached that to the
wall in the bathroom. The kids put their names
above "their" hook. They keep their towel(s) on
the hooks in the bathroom, right outside the
shower door for easy access.

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Want to be in Woman's Day?

I got this email from a lady doing a story for woman's day. If you want to give some usual tips please email me no later than Saturday! Tawra


Hi Tawra, Just wanted to let you know that my story pitch for Woman's Day is a go, and I'm planning on using some information from you in the story. Do you happen to know any members -- just regular folks -- who might have some off-the-beaten-path tips for saving on groceries? Anyone with good tips on saving on organics? My deadline on this is super-quick, so I'd need to talk with someone today, tomorrow or Saturday.


Thanks! -Lori

Wednesday, March 07, 2007

I won $25!

Check it out! I won $25 submitting my tips to my favorite supplement place!
This is the best place I've found to buy my NADH. I have used them for over 8 years now and they are wonderful!

Tawra



We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

Landscape fabric

From: Paige

Question: I loved your gardening tips. Especially using
milk jugs as greenhouses for young plants that
prefer to be warm, and the ideas for kids.

My vegetable garden tip is to lay down
landscaping fabric and then plant. I start my own
seeds so this tip is easy to use, I just cut
an 'X' in the fabric but it could be used for
direct planting of seeds too. Using landscape
fabric saves me from having to weed- which I
dislike, especially in the middle of summer when
everything seems to be growing green and fast.

And since it doesn't break down, you can use the
fabric for years.


My 2¢:
I got some free landscape fabric from a rebate at Ace. I have to say this stuff has changed my life! I used to use newspaper but now if the soil is good I will use this. It is much easier to handle than blowing newspapers all over Kansas! hehehe

I did when the newspapers down but I found the landscape fabric to be easier to work especially for free!
Tawra


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This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra
#####

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Cheap seeds

(Thanks for sending it! What a small world! Tawra :-)

From: Sheri

I'm your 3rd cousin....

I have frugal way of gardening. Walgreens has a
10 cents per packet of seeds usually in January
and February (watch their sale papers and if you
don't get them on a regular basis, you can look
online www.walgreens.com and look for their
weekly ads). You'll need to use the Walgreen's
coupons which you can get in the store. Last
year, our flower garden only costed us $3.00
including our okra and yellow squash plants by
buying the seeds for 10 cents a packet. We have
saved our little jiffy greenhouses and buy the
replacement discs and start over each year. Our
neighbors all around us rave on our flower garden
and we share our secret and now our next door
neighbor wants a fluorishing garden as we have!


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We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra
#####

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Starting Seeds

From: Louise Reilly Sacco


When you're starting seeds for your garden, place
the trays on top of the refrigerator. That nice
even warmth will help them germinate. When
they're about 1" tall, move them to a sunny spot.

Louise Reilly Sacco
Frugal Yankee Radio Hour
www.FrugalYankee.com


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We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra
#####

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Free Mulch.

Thanks Terri for sharing this one! I haven't heard this one before. Tawra

Idea for saving money in the garden: If you
havn't heard already, go to Starbucks and get the
free used coffee grounds for your garden mulch!

#####

We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra
#####

Labels:

Free Plants

The best thing I have found is to talk with
friend s family and neighbors to see if anyone
will "split" some of the perinnals with you! Get
in touch with a local church or elderly community
and see if they need help in the garden for
exchange for starters. The company would sure
please the elderly and will give you alot of tips
and tricks from long ago. It will do the both of
you good...inside and out!
Good Luck! Felina

#####

We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra
#####

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Garden Tips


From: Rosemarie Bailey

I buy a vegetable at the store and plant the
seeds. I have so many papaya plants from one
fruit. I am now taking the seeds and roasting
them and then grinding them into a "pepper" for
salad dressing.

I cut the eyes off of a few potatoes. I took
large old plastic pots and put a shallow layer
of soil and the eye cuttings into the pots. As
the plants grow, I keep adding soil. This makes
the plants stronger and grows more potatoes, and
all for free.

I took cloves of garlic, broke them apart, and
have lots of new garlic plants growing, also
almost free.

Cuttings of tomato plants grow very well. I dig
a small ditch and lay the stem into the ditch,
leaving only a few leaves exposed. The roots
develop rapidly, and new plants grow. I do not
buy seeds or plants: I simply dry the seeds from
a few tomatoes, and then plant them. The same
goes for peppers!

I bought corriander seeds at the spice section
of a grocery store, and I sowed them, a few at a
time. Much cheaper than buying seeds, and the
plants are wonderful.

I love ginger, and I did not know what it would
do, so I bought a few roots at the grocery
store. I now have about 12 ginger plants. They
have not flowered yet, nor do I know how the
roots will taste, but at about 40 cents, I am
having fun watching them grow, and I am very
hopeful.

I bought some dried beans in the grocery store,
and ended up with wonderful bean plants around
my fence, and a whole lot more dried beans, and
the ones I cooked were delicious.

I also have about 15 banana plants that came
from one small plant someone gave me. I freeze
the peeled bananas, and eat them year round.

I grow all kinds of spices and herbs, and some
of these reseed themselves. I divide my plants
at the roots to make new plants. This works
especially well for my lemon grass and tarragon.

My gardening area is rather small, at most 400
square feet total. I sure do love eating the
fruit from it. I tried Nasturtium this year, and
the flowers are plentiful and delicious along
with my mezclun salad plants.

I would be happy to share papaya seeds with
anyone who care to try them.

Oh, I live in Miami,Florida, Dade County. We
have extreme heat and dry spells, along with
rainy seasons.


#####

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This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

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Starting Seeds

I save money at the beginning of the year by
seeding alot of my plants and veggies in a clean
egg cartons which I save during the winter
season. I also place a pin through each egg
placement for drainage when watering. When
ready to transplant you just pop them out of the
carton with a spoon and place in ground. Works
terrific!

I also use my sons tobbaco from his
cigeraretes to make a "tea" with warm water and
tobacco. I then spray this on plants which
keeps unwanted bugs and diseases off! This
really works and you don't have to use dangerous
inceticides which can be costly. I also save
coffee cans to cover fragile young veggies in
the spring in case of a freeze which could kill
them!

Hope this helps, thanks, S. Hendricks



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We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

Garden Tips

Most of these tips I have used for years! Thanks for sharing! Tawra

From: Robin


1. My county, through the league of cities,
offers free, native trees. I live in south FL so
we can get loquat trees, mango trees, tamarind
trees and many others. They also tell you all
about the trees before you get to select some.

2. In my county, some of the cities take all of
the discarded christmas trees and make them into
mulch. Again, free for the taking but bring
something to put it in.

3. In most areas, there is an organization
called "freecycle". People who have useful items
but do not want to send them to a landfill, can
post them on their local list(s). You can also
post wanted on them. Start at www.freecycle.org.
I have seen all sorts of gardening supplies,
pots, yard items and more listed in my little
area.

4. I have several vacant lots in my area. I have
picked up rocks and concrete pieces to put at the
base of some of my younger plants. Also, these
come up on freecycle too.

5. Learn how to propegate plants. You can take
cuttings and get them to grow. Many homeowners
have no problems with giving you a couple of
cuttings.

6. I try to really ride around the area I live in
to see what other people have done. Some people
have great advice or ideas you can copy. You can
go and speak to the homeowner and get their tips.
While currently I am looking at additional
storage areas, I did see where several other
homeowners simply put a privacy fence around
their carports. Very smart and lower cost than
trying to enclose the carport.

7. It is worth a shot to call your county's
extension office for advice. They may be able to
help you with questions and tips.

8. Shop seeds only at sales. And, there is
research to suggest that year old seeds have a
higher amount of sprouts than the ones fresh for
this season.

9. Some stores will deeply discount plants which
may be a little wilted. Or, they are trying to
get rid of the extras after a holiday. In
addition, my work brings in a couple of dozen of
pointsettas and pulls names of employees to give
them to.

10. Try eBay. I have several friends who love
orchids. One went onto eBay and spent around $30
shipped for nearly a dozen plants. At most orchid
shows, you may get 2 plants for $30.

11. If you notice that an area changes plants on
a seasonal basis, try asking for what they are
taking out. Many business areas do this. This
time of year, they have impatients. In the
spring, it is often marigolds.

12. Check out the internet for advice and also
listen or watch gardening shows. There is a 3
hour one here locally on Saturday mornings on the
radio. I pick up a lot from them.

13. Don't give up. I live in an area where we got
direct hits from Hurricane Katrina and Hurricane
Wilma. Katrina took about half of the branches
from my one "adult" tree in the front yard. Wilma
took out all of the rest. I had maybe 2 or 3
tiny, 18 inches to 2 foot branches left at the
top. It is just over a year later and the tree
looks almost as good as it did before the
hurricanes. Many people simply cut them all up.
In addition, one of the branches took out an oak
seedling in my front yard (I have 2 planted).
That is, it broke the entire seedling at the
ground level. The second one is now about 6 feet
tall while the other one came up and is now about
a third smaller than the other. I was shocked
when I realized that they were all coming back
wonderfully.

Before I bought my home, I lived in a large
apartment building. I was the only one with a lot
of plants outside. One day, a bulb was dropped (I
have no idea how it got there) and I planted it.
I do not even think that it was totally under the
soil. That was 20 years ago. Last year, it
bloomed 2 or 3 times with a perfect, white easter
lily.


From: Selanie

Trees are expensive, especially one of a decent size. We attempted to save money by picking out trees from my husband's family farm. Unfortunately, the larger ones didn't make it
because we didn't cut around the roots enough. The one that had few enough roots to make it
ended up getting chopped by the lawnmower because it was so tiny. I think we'll try again this
spring, just being more careful to not disturb the roots. Any friend or family that has wooded
land would probably be more than happy to let someone pick a couple of trees off unused land.
Plus, you know they are native to your area.

Tawra: This is a good idea but it can be more work than it's worth. This is one of those areas where if you have the time try it but it is easier to move smaller trees than larger ones.

Tuesday, March 06, 2007

Grocery Savings Sale!

We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

Sandbags

Today I sent out a tip in our newsletter to use sandbags from flooding for your kids sandboxes. I had a couple of people email and say you shouldn't do that because "what if sewage and bacteria was in the sand?"

Of course I am once again assuming people use common sense. If you're in an area where there has been sewage run over then please don't use them for your kids. At the very least you could wash it out with some bleach water and let it dry but that seems like a lot of work.

There are a lot of places like around my house that has minor "too much rain" flooding each season and you have to put a few bags to keep the shed from flooding. That was they type of thing was I was talking about.


Tawra
www.LivingOnADime.com

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Painting Tip

A painting tip from: Jonnie:

I have found that painting my ceiling the same as my walls is the best and easiest way to paint! Let me explain. My bedroom/master bath/master closet are all the same color. A very pale blue. When I first moved into my home, it had just been built and the walls were the same color as now, a light blue the ceiling was white. After a few years I decided to repaint and touch up the wood work in the bedroom and bath. I started to look closely at the walls and ceiling and it suddenly dawned on me, there was very little difference in the light of day or night between the color of the walls and ceiling. So why should I go to all the trouble of paint two colors in the bedroom? This saved money and time, plus I did the work myself. I am terrible at keeping the paint from the ceiling so this is the best way I have found and no one that has seen my rooms after I painted them noticed. I did not do this in all of the rooms of my home but in the bedrooms and bath it has really worked well!



####
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Check out Dining On A Dime and start saving today!
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Painting Tip!

I have found that painting my ceiling the same as my walls is the best and easiest way to paint! Let me explain. My bedroom/master bath/master closet are all the same color. A very pale blue. When I first moved into my home, it had just been built and the walls were the same color as now, a light blue the ceiling was white. After a few years I decided to repaint and touch up the wood work in the bedroom and bath. I started to look closely at the walls and ceiling and it suddenly dawned on me, there was very little difference in the light of day or night between the color of the walls and ceiling.

So why should I go to all the trouble of paint two colors in the bedroom? This saved money and time, plus I did the work myself. I am terrible at keeping the paint from the ceiling so this is the best way I have found and no one that has seen my rooms after I painted them noticed. I did not do this in all of the rooms of my home but in the bedrooms and bath it has really worked well!

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We are doing weekly e-book specials. This week it's grocery savings!
This great e-book is on sale for half price! Only $3.50!!

Check it out it's only this week! Tawra

Monday, March 05, 2007

My new quote.

I go in spurts where I have favorite quote. Lately it's been

"The only difference between this place and the Titanic is Titanic had a band!" :-)

I love it! That just fits our life perfectly! LOL

For the last several weeks we have been working hard on having a good attitude. We don't mind helping people out by teaching them to save money but some people just aren't using their brains!

It's not rocket science to figure out that buying a bunch of junk food at the grocery store will give you a high grocery bill. I feed my family of 5 for about $250-$300 a month. I don't buy a lot of junk and we very rarely drink sodas or juice so our bill will be much lower than some.

It's not rocket science that if you buy all organics your grocery bill will be higher.

It's not rocket science that if your house payment is more than you can afford then you need to move!

It's not rocket science that if you live in LA or NY your will have a higher cost of living than here in Kansas. (You will also have higher incomes.)

It's all a give and take. By living in Kansas we give up good weather and higher incomes. But we have low cost of living and like being close by my mom and brother and his family.
We choose to buy our clothes at the thrift store so that we can have our own nice house on a 1/2 acre lot and live on 36K a year. We choose to not eat out, not to go to a lot of movies and put our kids in a bunch activities so that last year we were able to pay off 6K in debt on 36K income.

So after listening to one of my favorite Bible teachers today I have decided her quote will be my next favorite.

"Stop spending tomorrow's prosperity and you will get of debt! " Joyce Meyer

People want a miracle to get out of debt. It's not a miracle you need but hard work, determination and common sense! Use what God has given you and stop spending your life away!

Tawra
www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
Eat Better and Spend Less with Real Food for Real People!

Cleaning drip pans

Do you have any suggestions on how to keep drip pans on top of the stove clean?
Lisa F.


I put mine in the dishwasher once a week. Afterwards I scrub it down with a SOS pad. The trick is to keep them clean on weekly basis so there isn't any build up.

If they are real bad either by new ones and start over or cover with aluminum foil. Wrap the foil around the pan and cut several slits in the center hole. Fold the foil under so the hole is open. You can also try spraying with oven cleaning and let sit over night if you clean your oven with oven cleaner.

If you have to buy new ones get black if possible. They are much easier to keep clean than the chrome because you don't see every little speck of burned on food.

Tawra
www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
Eat Better and Spend Less with Real Food for Real People!

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A couple of tips.

Here's a a couple of tips from Dollar Stretcher!


Natural Syrups

How many times do you drain canned fruit and toss the liquids? Why not make flavored syrup for pancakes, French toast and waffles? Just add sugar, boil to make a syrup and store it until needed in the refrigerator. When draining blueberries to make blueberry muffins, save that liquid. Add a little sugar and boil, and you have blueberry syrup! We like to heat these syrups just before pouring them on our breakfast.
Dean H. in Illinois


Scratch Off Winner

I love to buy scratch-off lottery tickets, so I put an envelope in my room, and every day that I do not buy a ticket, I put $2 in the envelope. When this adds up to $100 or more I either apply it to my debt or put it in my savings account.
Mike M. in Greenwich, CT


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www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
Eat Better and Spend Less with Real Food for Real People!

Thursday, March 01, 2007

Tawra on the radio.

We're going to run our interview with Tawra on Sunday. Here are the details:

Frugal Yankee Radio Hour
Sunday, 1-2pm (Eastern time) on WNTN 1550AM in the Boston area
and streaming at www.WNTN.com

Bathroom Storage

From: Donna

I wanted to share a storage idea; we have a small
bath room and since we no longer store medicine
in the bath room I've stated stashing extra
toilet paper in the medicine cabinet



www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
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Do the math!

I saw this tip in the Dollar Stretcher newsletter. I hear it frequently and it sounds like a good idea but when you do the math it's not in all cases.


3-for-1

I save tons of money on blue jeans for my 8-year-old son who spends as much time on his knees as he does on his feet by buying jeans at Sears or Sears Grand. They have a kids club,
which allows you to take in your holey jeans and they'll give you a brand new same size pair! Their brand, Canyon River Blues, doesn't require a receipt even. Levi's do. I get about three pairs for each pair I buy.
Karen

My .02.

These jeans cost between $16-$20 new. If you get three pairs that's $5-$6 a pair. I can get jeans for .50 at yard sales and $1-$3 at the thrift store. I would spend $1.50-$9 instead of $16-$20. I very rarely spend that much for jeans but it is still a much higher savings than buying new. So do the math! Make sure it's a good deal!

Tawra
www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
Eat Better and Spend Less with Real Food for Real People!

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Kids Selling Their Clothes

From: Yvonne

My daughter gathered all her outgrown clothing this past summer and sold it on Craig's List and e-bay (with my help and supervision of course) and for less than $5 posting fees on e-bay, she made over $200! We started a personal savings account with the money for school expenses only (clothes, field trips, etc.) and she has since added to it and was able to pay for an overnight field trip, a few items for daily wear, and miscellaneous expenses. She learned the value of saving, doesn't even remotely have the "gimmees" and likes seeing her money grow! I'm sure other parents have implemented similar ideas.

www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
Eat Better and Spend Less with Real Food for Real People!

Pay Off My Car or Put the Money in Savings?

Pay Off My Car or Put the Money in Savings?

Mike from Manitoba, Canada asks: "I have been trying to live more simply, and would like to become debt free so that I will be more free to make changes that reflect my new goals in my life.

Last year I bought a new car. At the time I was already thinking about maybe giving up my old car and going without. Then my best friend bought a new car and I got caught up in the old "New Car Fever". I have enough money in Savings to pay it off. The interest on the loan from the dealer is 2.9%. Should I put my savings into investments, or pay off the loan?

I really don't want to be a slave to my job (which I am not really happy at) for five years just so I have money coming in to pay off the car. What do you think I should do? I could sell the car, but then I'd be losing 30% of my investment and that doesn't make sense either. I would really appreciate your advice in this matter."



Tawra: Hi Mike. There are two ways to look at this. First if you have money in savings and it's making more than 2.9% then it's silly to pay off the car when you could be earning more money with it in savings or investments. Most savings accounts earn a minimum of 4% so you would actually be earning money by keeping the car payment and putting the money into savings instead.

But..... If you hate your job and want to quit and paying off the car would put you in a position to do that, then I would pay it off.

You're looking at it all wrong. Right now if you have the money in savings to pay it off you aren't working to pay for the car but you are working to build up your investments. If you hate your job that much, save up enough for 3-6 months to pay for your bills and then you can look for another job.

Sounds like you are doing a wonderful job to me!

Tawra

www.LivingOnADime.com

Check out Dining On A Dime and start saving today!
Eat Better and Spend Less with Real Food for Real People!

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