Elly, Michael, David, Tawra and BJ


Thursday, May 29, 2008

Readers Tips

From: Natalie
Hi Tawra! I've been reading the ways people save
on groceries and have appreciated the
information. Like you and so many others, I try
to use what we have, only get what we need, and
only buy when it is on sale or discounted some
other way. I just went grocery shopping and had
some extra time to scour the corners of the
market, and I realized that with prices of gas
and groceries on the rise for the foreseaable
future, this is the time to "lay in a pantry" if
you happen to be one of the people receiving
and "economic stimulus rebate payment." If you
already use the pantry principle, do an inventory
and keep your eyes open for "great deals" so you
can super stock up. And if you've always thought
of starting a pantry but you seem to have more
month than paycheck and stocking up seemed out of
reach, read "Dining on a Dime" and consider
starting a pantry (using the tips in the book)
that is stocked with the staples. Your cookbook,
BTW, has helped me create "something from
nothing" even when my pantry has gotten a little
low. It's a wonderful investment in frugal home
management!



Tawra
For your coffee hints page I thought it would be
nice to include some environmental friendly tips
on what to do with the leftover coffee grounds &
even the coffee filters.

Since coffee grounds are a great source of
nitrogen, you can sprinkle used grounds around
plants before rain or watering, for a slow-
release nitrogen, or add to compost piles to
increase nitrogen balance.

Coffee filters and tea bags break down rapidly
during composting.

Dilute grounds with water for a gentle, fast-
acting liquid fertilizer. Use about a half-pound
can of wet grounds in a five-gallon bucket of
water; let sit outdoors to achieve ambient
temperature.

Mix into soil for houseplants or new vegetable
beds.

Encircle the base of the plant with a coffee and
eggshell barrier to repel pests.

So, this is an economical and enviro-friendly was
to have organic fertilizer that would normally
end up in the landfill!

Thanks so much,
Lois from Okotoks, Alberta, Canada

Reader Tips

My favorite fruit salad......cut up leftover canned fruit..(can also just cut up a couple of cans of each if you like).....(pears, peaches, etc), put in a container in the freezer, (along with juice)...and 1/8-1/2 tsp almond extract (sorry I never measure, just pour some in)....when you have enough, add some frozen fruit, ie: strawberries, mixed berries, or bananas...if you like....(I like it slushie, but my husband doesn't, so however you like it....)...serve...would be good over vanilla ice cream for desert too, or with a dollop of whipped topping....dd


From: Anonymous
Hi Tawra, 4 weeks ago I got my hours at work cut
from 30 to 20 per week. The timing is never
right: Between gas & food steadily increasing.

Did I panic? Well yes for a day or two. I have
always been frugal but my husband and I obviously
got a little too comfortable with our spending.

I sat down with pen & paper to try to figure out
the new budget. Then it dawned on me.

Alone my husband and I were spending $3.00 per
day on 2 coffees, that's $21.00 per week, $84.00
per month. This doesn't even include the gas to
get there so lets make it an even $100.00. Coffee
is made at home now for pennies.

We use only my car instead of the truck and save
over $200.00 on gas!!!!!!!

Now that I'm working 3 days a week instead of 5,
I head to the grocery store at 7am while the
hubby and kids are still eating breakfast and
stock up on the 50% meats, dairy, bread etc.

My garden will grow carrots, lettuce, radishes,
tomatoes, chives, parsley & snow peas. free,
free, free!

I have always been proud of being a frugal momma
but over time I failed myself and fell off the
wagon. I'm back on the frugal wagon and I'm
proud to report we actually made MORE money this
month having me home. By having more time at
home I can plan meals better, save on gas to &
from work etc.

Imagine! I lost approx $550.00 gross per month
and saved over $600.00 just by a few frugal
adjustments!!!!!

I plan on challenging myself to save an
additional $50.00 this month!!!




Hi Tawra and Jill,

Wanted to share this with you. We are on a vacation for an out of town family wedding. We wrapped vacation plans around the wedding to make good use of the gas and time away from the office and school.

Here is what I am so pleased about that is really working out well for us. I brought my crockpot to the hotel room. When we leave in the morning for a daily adventure to the pool, or state park, or site seeing, I put dinner in the crockpot. One dish meals has been the focus. Today, I have a roast with carrots and potatoes cooking as I write.

I brought disposable plates and utensils from my bargain stash. Last night we ate on "Penguin plates" from the clearance shelf. Tonight, I have Valentine's day plates. We don't care! We just want to eat on a plate that is disposable.

I have an ice cooler in the room to keep lunchmeats and mayo cool for making lunches during the day, not to mention water to drink. And I have brought along a knife for cutting veggies, etc.. I visit the local grocery just down the street to plan the next day's meals. I am being careful only to make enough to feed us for the meal because leftovers would spoil. And the "salad mixes in the bag" in the produce section have been a welcome addition to our meals this week. I have even cut open the bag to mix the dressing right inside the bag without an extra bowl.

The savings has been incredible! And the time savings has been even MORE inviting! When we have explored and played for a whole day, the kids are so tired. We go to the room and get everyone clean and in PJ's. Then dinner is served! No whining at a restaurant while we wait for food to come to the table. No late nights because they are in pj's and fed by bedtime. And thank God, no fast food.

I clean the crockpot and prepare for the next day.

Last night we were exploring in a state park to watch the sun set at 7:30. One of my son's looked at me and said, "Mom I am hungry." We went to the room and the smell of dinner cooking met us. MMMMM...a warm bath, and a warm tummy. He fell asleep quickly after a day's adventures.

Life doesn't have to be expensive to be enjoyed. Even with the out of town events that make a pull on the budget, there are still so many ways to make those trips incredible without throwing money needlessly away.

Robin in CA

Wednesday, May 28, 2008

HUGE "Saving with Kids" E-book Package is here!!!

Hi after working several months we are so excited to finally have our "Saving with kids" E-book package ready for you. It is a HUGE e-book package with 12 e-books PLUS several extra bonus items. The price is so low that each book is just over $1.50 each!
Check it out and learn how to teach your kids about money, get them organized and lots of ideas to make the summer pass quickly.

Here is yesterday's newsletter to give you a sneak peak!
Tawra


Hi Everyone!

Today we are bringing an excerpt from mom's e-book on getting kids' rooms organized. Being the organizationally challenged person that I am, I am going to leave this one up to mom. ;-)

In today's newsletter, we are going to bring you an excerpt from the "Organizing Kids Rooms" e-book. One of the biggest problems we as parents face is getting rid of the beloved toys. Mom gives a few pointers to help you over the "mommy guilt" of de-cluttering the toys.

Have a great week!

-Tawra
www.LivingOnADime.com


Clearing Out The Toys
By Jill Cooper

BE RUTHLESS!

I can't stress enough how important it is to be ruthless in getting rid of your children's excess toys. As parents we know we are supposed to protect our children physically, emotionally and spiritually. Often we worry about others harming our children in these areas but more often then not we are the ones who do the greatest harm to them. One of the ways that we forget to protect our children emotionally is by allowing them to have so many toys and things that they become overwhelmed and frustrated.

I know this may seem like something trivial and small compared to what is going on in the world but it is important to realize your child's room and toys are his world. Kids really aren't interested in anything else but their own spheres and if that little world of theirs is piled with mounds of toys and other stuff, it can be overwhelming for them to deal with it on a daily basis.

I can't handle it if I have too many things to choose from and I'm an adult. How did you feel the last time you went to buy something new like shampoo or make-up? Were you overwhelmed with so many different kinds to choose from? There's nothing wrong with any of them. It's just that there are so many kinds. Put yourself in the place of your child, who isn't as emotionally mature as you are and imagine how he feels.

I just watched an organizational show where the parents (at the advice of the organizer) spent several hundred dollars on shelving and storage containers to store the children's toys. One container alone held 75 small cars. No child needs 75 or more of any type of toy at all. Do you know how much money could have been saved on shelving and containers if they had just gotten rid of more of those toys (Not to mention the headaches in keeping them under control)?


Don't feel guilty or tell yourself that you are depriving your children when you get rid of excess toys. You are doing your child a favor and he probably won't even miss them. Have you noticed how children usually play with the same handful of toys over and over?

In the same way, we keep 25 different colors of eye shadows, but only use 3-4 favorites over and over. If the rest of them were dumped we wouldn't even miss them and our kids won't miss most of their excess toys either.

Of course this doesn't mean to be cruel and get rid of your child's favorite bear or doll. I'm talking about all those things buried at the bottom of their toy boxes and closets that haven't seen the light of day for years.


Here are some tips to help you get started in your organizing:

Use drawers as toy boxes. Put 4 casters on the bottom and slide them in and out from under the bed.

Use a wicker laundry basket to store toys. Then you can slide it under the bed if needed.

Use a small kid's swimming pool to store things under the child's bed. They slide in and out easily.

Zippered bags that blankets come in will work great for collections of toys such as small stuffed animals, army men and cooking supplies. They also stack nicely and can slide under the bed.

Monday, May 26, 2008

Extra hot dogs and hamburgers

If you are barbecuing today or any time this summer throw on a couple of extra hot dogs, hamburgers or chicken to use later. Slice a hot dog in with the scrambled eggs in the morning for a delicious different flavor to your eggs or add it or the hamburger ( crumbled) to mac and cheese. Just one or two pieces chopped and added to chili or any meat dish adds a nice subtle smoky flavor. Don't forget you can freeze them too to use later when you don't have the grill up and running.
Have a nice and safe Memorial Day. Jill

Saturday, May 24, 2008

Great Rebates this weekend!

In case some of you didn't know about it, Ace Hardware are having some great rebates now through Monday. I like doing their rebates because they are pretty easy to deal with. I got $32 worth of things free and I didn't even get everything. They had things like bug spray, bug spray for your body to keep the mosquitoes away, 6 large micro fiber cloths, ant killer, 1 gallon of concentrated car wash, and more. They had weed killer normally over $6 for just over a $1. You might check it out. Jill

Friday, May 23, 2008

DO NOT USE WASTE CONNECTIONS....

for your trash service.

Augh! They are the WORST trash service I have ever had.

For months now they have been leaving trash all over. I've let it go because it's been extra windy so I gave them the benefit of the doubt.

The trash guy is going so fast that his truck isn't even stopped before he jumps out. We timed him and he took 20 seconds to dump the trash one day from the time he opened the truck door!

Well, last week I come home and there are light bulbs and a basket all in the street.

I had, had it. So I called and canceled my trash service. They want to charge me $15 to come get their bucket! I said no I'm not paying it. She said well, we can just cancel today and then you won't have to pay it. It's the same thing! They take off 2 weeks worth of trash service to pay for it I'm still paying the $15. I told her no.

They said since I haven't complained before I didn't give them a chance to "fix it". They said their guys are paid more for the faster they work so that's why they go so fast.

I spent an hour on the phone arguing with 5 people.

Now today the guy stops by and apologizes but says we don't have service any longer, so they stopped it anyway! I am so mad I could just scream!

It wouldn't be so bad and I would have given them a second chance if mom hadn't had the same problems with them.

So my frugal tip is the day is DO NOT USE WASTE CONNECTIONS FOR YOUR TRASH SERVICE!!!!!!!!!!

Tawra

Wednesday, May 21, 2008

Mold Prevention

I see more advertising on cleaning products that kill mold and mild in bathrooms. I got to thinking that people must have a real problem with that for as many products that they have out there. I could not figure out why I have never once had any mold or mild in my bathroom and since I am 50 something that is a long time. I also live in Kansas which is very humid. Plus I have never had a bathroom fan in any of my bathrooms. I didn't know what my secret was until yesterday. I read a thing that said to prevent mold and mild in your bathroom, take warm short ( 5-10 minutes) showers which I have always done. I did it to save on water and my electric bill but I didn't realize it would help prevent on mold and mildew. Now that I think about it I usually don't even stay in long enough for my mirrors to steam up. It must work because that is the only thing that I do different. I do clean my bathroom once a week now and twice when I had the whole family here but that is all.

I thought some of you might try this idea if you are having a real problem with mold especially this time of year. I know some of us take more than one shower a day now too. You might try taking a shower at night. That could eliminate your morning shower because you usually aren't doing things that cause you to get covered in dirt etc. so we are cleaner in the morning and really don't need a shower. What I'm trying to say in a round about way is, take your shower at night to wash away the day's worth of grime instead of in the morning. (I started to say that we aren't doing things in bed at night that are dirty but that didn't sound quite proper. Boy I'm putting both feet in it so I had better quit while I'm ahead) Jill

Tuesday, May 20, 2008

Make-up Question

I have been trying to find a good foundation. I love the Mary Kay cream to powder foundation but it makes my face break out.

I tried Cover Girl Outlast and it didn't make my face break out but didn't cover that well.
Those were my two top and I've tried a lot of others but no luck.

Any suggestions for a foundation that give good coverage, lasts all day and doesn't make your face break out?

Tawra

Working at home.

Another great article from Patrice on working at home.

Don’t Quit your Day Job
by Patrice Lewis
plewis@rezmail.com
www.donlewisdesigns.com

Can I have a show of hands from those of you who have faced unemployment at some point? You know the kind I mean – the sudden pink slip, the unexpected horror of finding yourself out of a job, that sinking sensation when all your bills seem to loom up and stare at you: mortgage, electricity, telephone, car payments, credit card payments….

Okay, keep those hands up while I count: one, two, three….eighteen…a hundred and four…two thousand and twelve…sixteen thousand and ten….okay, that’s enough. I get the idea.

Many or most of us have had this happen to us at some point or another. Unemployment. Scary, isn’t it?

We all agree that it is. So now answer me this: why would an otherwise sane person decide to quit his or her day job and go into business for himself, without any idea if the new business will succeed?

I refer, of course, to the home craft business, and it staggers me how many people we’ve encountered over the years who are floundering and desperate because they up and quit their day jobs in the touching hope that their new craft business will support them.

Been There, Done That
Oh, and you can add US to the ranks of, um, fools who quit their day job. As you may remember, we up and quit both our day jobs, bought a fixer-upper (shack) on four acres in rural Oregon, and left urban California (kind of the reverse order to do things, right?). That was back in 1992. No jobs, no prospects, no money, we just…quit.

So I know what I’m talking about. Real smart, huh?

Why did we do this? Well, there were a variety of reasons. The “perfect” house (shack) came on the market, and we felt compelled to snap it up before it was gone. So there we were, suddenly the proud owners of a house (shack) 300 miles away. We couldn’t just let it go to waste, could we? Besides, we always wanted to move to the country. We were certain that jobs were available in that area. No problems.

Well, there weren’t any jobs in the area, at least none that we wanted. It was at this juncture that we decided to bite the bullet and start our own business. It took us ten years – a decade! – to succeed.

Had we eased into our business in a less dramatic fashion, not only would the stress have been less, but our finances would have been much improved.

So take it from me. Don’t quit your day job. Yet.

Misplaced Optimism
The problem is, it’s so darned hard to see into the future. We all go into business with a touching faith that our product will hit the market and become an instant and overnight success. This rarely happens. (See my last article “It Takes Time.”)

I once met an artist at a craft show, a nice young man in his 30’s. He did beautiful oil paintings: cozy domestic scenes, enchanting landscapes, lovely farmscapes. His work was stylish, classy, and detailed.

The original oils were, of course, out of my price range, but I was so impressed by his work that I purchased one of his prints. He seemed pathetically grateful for the business, and as we chatted it became clear why: he had quit his day job a year before in order to concentrate on his painting. He was in financial hot water.

The trouble is, there are a lot of artists out there, using every possible different medium: oils, watercolors, clay, whatever. This young man was competing with thousands, perhaps tens of thousands, of other starving artists all vying for the dollar in the customers’ pockets. His trouble was that he needed to succeed now, in order to pay his bills. He had no time to wait to build his reputation and his clientele.

Fast-forward twelve years. I looked at that delightful print on my wall a few days ago and got curious about the artist. I did a search of his name on the internet and came up with nothing. While I don’t know for sure, it’s a fairly good bet that he did not succeed as an artist, and went to work instead at something unrelated. What a tragedy – he had such talent.

Crafters who have the desire to go into business do so because they have a talent. Don’t let that talent go to waste by hamstringing your own efforts.

Slow Growth
So how does it work? How do you start a home craft business without quitting your day job?

There are obviously a number of factors that contribute to what your future schedule will look like. Are you the primary breadwinner for the household? Are you a stay-at-home parent? Are you deep in debt? Do you have young kids, or are they older? Do you homeschool or do the kids go to school? Do you have other obligations on your time, such as caring for elderly parents or farm animals?

There is nothing on your plate – nothing! – that won’t be made more complicated if you up and quit your day job to devote your time to your start-up home craft business. A lack of reliable income will jeopardize your ability to pay your bills, care for your children, or maintain your farm.

So find that free time and devote that to your home craft business.

Ha ha. Free time. That’s a good one, right?

Yes, right. Because let’s be honest here, if you have enough time to hone your craft, then you have enough time to start your home craft business in your spare time. People who commute two hours each way to a ten-hour-a-day schedule, and who work weekends and holidays, and who have four kids to boot….just don’t have the time to do a craft.

See what I’m saying? If you have the time to do a craft, then you have the time to do a craft business. Find all those spare hours you normally use to make your craft, and start devoting them to marketing, setting up a website, putting together brochures, or whatever other techniques will work to sell your product.

All the things you do to market your craft will cost money, which is another good reason not to quit your day job. If you can’t afford to have a website (or whatever) made or you can’t buy the raw materials or you can’t afford the booth fees for craft shows because you’ve quit your day job and money is tight, then you’ve further hamstrung your efforts to get your business off the ground. Believe me, I know.

Serious Efforts
If you are serious about wanting to start a home craft business – I’m talking about a business that may ultimately replace your regular income and will support your family – it behooves you to start it in the most serious way.

You need to take a good hard look at your product and determine if it is unique enough to “fly” as a stand-alone business. If you make, for example, country crafts similar to the crafts made by hundreds of thousands of others, then your chances of turning these crafts into a stand-alone business capable of supporting a family are unlikely because the competition is too high. Your products must be unique enough to compete against all the other hopeful crafters out there.

This is an awfully hard thing to do. The craft that we adore, that we spend hours making, that we create with passion and love….may not appeal to anyone else. Them’s the facts, folks, and whatever you do, don’t quit your day job in hopes that the rest of the world will beat a path to your door to buy it.

Okay, now let’s assume that your craft is unique enough to become a stand-alone business. You have taken a hard look, done your market research, and concluded that you stand a decent chance to turning your craft into a business.

Your day job will provide you with the luxury to support you while you get your craft business off the ground.

No, I’m not saying that you will live in luxury while you get your new business going. I’m saying that you won’t be starving while you do so. I’m saying that you won’t be getting ulcers from stress of not paying bills when your new business doesn’t become and Instant and Overnight Success. I’m saying that your spouse and kids won’t become resentful when they require food and clothing.

What you need to do now is to take some of the spare time that you would normally use to watch television, take a vacation, or go shopping….and apply that time and effort (and money) to the marketing, development, inventory, and other leg-work necessary to start a business. Rather than watching the evening news, you should be in your garage workshop fine-tuning your design. When you put the kids to bed, you should be working on your webpage. When you have your two previous weeks of vacation per year, you should use that time to run some test-markets for your product.

What’s the Alternative?
Let’s play an imagination game for a moment. Imagine that you DID quit your much-hated and stressful day job and now have unlimited free time to devote yourself to running your new home craft business.

Doesn’t that sound like a luxury? You can sleep in, you don’t have to fight the commute, you don’t have to deal with dippy coworkers or a nasty boss.

Your kids (and possibly spouse) go off to school and/or work, and the entire day stretches before you, free to do the things needed to get your craft business off the ground. You linger over a second cup of coffee before finally (guilt pricking you) amble to your workshop.

Now what?

Perhaps you’re building inventory to attend your first craft show. You box up a few hundred of your lavender-velvet frammerjammits and hit the road. You make $500 at the craft show and come home in a blaze of triumph….just in time to open the bill from the (pick one) mortgage company / auto dealership / credit card company / student loan company….for $500.

Wow, you think. How cool. I just made enough money selling my frammerjammits that I can pay this bill!

…until you open the rest of the bills that arrive throughout the week, and realize that your steady paycheck from your hated job is no longer there to pay them. And you realize that spending that $500 on the mortgage (or whatever) leaves you no money for the paint / glue / fabric / wood / shipping boxes / etc. that you need to build more of your product.

Suddenly you stop lingering over that second cup of coffee. Suddenly you’re booking craft shows like crazy in an effort to make another $500. Suddenly you realize you’d darn well better get your webpage off the ground, and quickly. Suddenly you realize that when little Johnny says that he wants the newest version of a GameBoy, you’ll have to say no. Suddenly the ritual Friday-night dinners out with your spouse are no longer possible.

That’s what it’s like when you quit your day job. Been there, done that. Don’t go there.

An Example
I am watching with interest the efforts of a friend of mine to turn her product idea into a business. I won’t say here what the product idea is, because frankly I don’t want anyone to grab the idea and run (it’s that great). However, let me just say that her product is unique, it’s a product many people need (as opposed to “want”), and her marketing approach so far is sensible and intelligent.

She is currently doing the foot-work necessary to turn her product into a full-fledged business. She is acquiring the necessary equipment, finding sources for materials, and fine-tuning her techniques to increase her efficiency.

She has even mentioned the idea that if her business succeeds, it might ultimately replace the income her husband brings in by commuting to his job in the city, over an hour away. Her husband is open to the idea of someday quitting his job to work full-time on the fledgling business.

But here’s the thing: he’s not. He’s not jeopardizing his family’s security by eliminating the steady paycheck he brings in, even if his commute is difficult and his job is not the most rewarding. He recognizes that his wife’s product idea is fabulous, and he recognizes the potential income this start-up business may produce…but he’s not quitting his day job to devote his time to getting the new business off the ground.

Rather, he’s using portions of his paycheck to purchase the tools and materials necessary to get the business going. He’s devoting spare time in the evenings and weekends to helping his wife do the market research and other necessary legwork. And when my friend finally does go into business….I truly believe that someday he will be able to quit his day job and work at home.

Smart people.

Test Market Your Product
One way to find out if your product is marketable or not is to do some “dry runs.”

I will discuss test marketing in a future article, but in brief you might consider doing a few “cheap and local” craft fairs to see what customers think. If people avoid your product in droves, this should tell you something. If they like your product but are turned off by the price, this should tell you something.

Consider attending some high-end craft fairs – not as a vendor, but as a customer – and keep an eye on those booths selling products similar to yours. Check their prices, watch the traffic flow, see how they set their booths up. If they seem successful in their sales, then you might experience the same success when you go into business.

Test markets allow you to se (a) what venues work for selling your product, and (b) whether your product is viable as a “stand-alone” business or not. Learn everything you can…before you quit your day job.

Do As I Say, Not As I Do
When we quit our day jobs to start our business, it took us a decade to dig ourselves out of the hole we had dug. And while some might argue that this gave us greater motivation to succeed, I would argue back that for many people, the resulting financial uncertainty isn’t worth it.

So keep your day job. Work evenings and weekends on your home craft business. Reduce or eliminate your debt and living expenses to prepare yourself to make the transition to working at home.

Meanwhile, because you have the financial cushion of your regular paycheck, you can slowly and sensibly go into business for yourself.


Patrice Lewis is co-founder of Don Lewis Designs (www.donlewisdesigns.com).
She and her husband have been in business for fourteen years.
The Lewis’s live on forty acres in north Idaho with their two homeschooled children,
assorted livestock, and a shop which overflows into the house with depressing regularity.

Monday, May 19, 2008

Tulips

I had a reader email and ask for pictures of the bulbs I planted last fall. Here are the tulips.
I found 50 bulbs for $1 last fall and so I got around 400 bulbs. We had a really pretty display for about a month with spring flowers a few weeks ago. Here is the last of it with the tulips.

I will share more pictures as my flowers start to take off.

Tawra

Food Waste

Here's an interesting site on wasting food.
Tawra

Saturday, May 17, 2008

Homemade Lemonade

I was just asked how to make lemonade. I like everyone else never seem to be able to remember the portions from one year to the next. With Memorial Day coming up I thought maybe some of you might like a recipe for real live homemade lemonade.

This recipe is extra sweet so you can cut back on the sugar some if you like yours more tart. Also try adding a little dash of lemon extract if you have some to give the flavor a little extra kick. Adjust this recipe to your own tastes, more lemon, less lemon, more or less sugar etc.

You can do so much with lemonade like add fresh berries or a couple of tablespoons of cool aid (raspberry, strawberry etc) for a different twist and don't forget you add a sprig of mint too.

1 cup lemon juice (4-6 lemons)
1 cup water
1 cup sugar (more or less)
Dash of salt
4-5 cups water

Mix the 1 cup of water and sugar in a pan. Heat until sugar dissolves. This makes a simple syrup. Cool. (It will keep in the fridge for a long time) Mix the rest of the ingredients into the simple syrup. Chill.

Quick and Easy Lemonade

You can just mix everything together and let it set over night or for a few hours and the sugar will dissolve with out having to make a simple syrup.
Enjoy. Jill

Friday, May 16, 2008

Easy Peach Cobbler

Hi Tawra - just wanted to let you know I've really enjoyed joining your website. I was reading your recipes for cobbler and just wanted to add a really easy (cheap) 3 ingredient cobbler. One large can of peaches (undrained), top with a butter pecan cake mix, and pour 1 stick of butter (melted) over the top. Bake and enjoy - the juice from the peaches mixes with the mix and butter and makes a cruchy topping. Thanks again, Tonya W.

Newsletter 5-15

Today's Tips:

Something to think about: Here in our city if you buy bottled water for a family of 4 it costs about $1700 a year. If you use tap water for that same amount of water, it costs $14.

Have you heard the joke that says, "He is such a good salesman that he could sale ice to an Eskimo?" Well, I think some good salesmen got together and said "Let's see if we can sell water to people who get it for almost free from their tap." ...And it worked. They did it. I don't know about you but there are an awful lot of things I would like to do with $1700.

Want water that taste as cool and crisp as a mountain stream? Pour your water into a jug and put it in the fridge overnight. All chlorine and chemical taste disappears and the water is delicious.

Menu

So Da lious Pork Chops*
Country Fried Potatoes
Cooked Carrots
Caesar Salad
Fresh Bread, Butter and Jam
Instant Peach Cobbler*

So Da lious Pork Chops

6-8 pork chops
1 cup ketchup
1 cup coke

Brown pork chops and place in a greased baking dish. Mix ketchup and coke and pour over chops. Cover and bake at 375° for 45 minutes.



Instant Peach Cobbler

Filling

1/4 cup butter, melted
1 can peach pie filling (or any other fruit filling)

In a greased casserole dish, mix butter and pie filling.

Topping

1 can refrigerator biscuits, cut in fourths
1/4 cup butter, melted
1/2 cup sugar
1 tsp. cinnamon

Mix sugar and cinnamon. Dip biscuits into melted butter and then into the sugar mix. Place them on top of fruit filling. Bake at 400° about 15-20 minutes until biscuits are brown.


Reader Comment on Newsletter:

Thank you, thank you ,thank you!!

Bottled water is the most successful scam ever! We were brainwashed just like the next family , and 1 day I said this is just NUTZ! Why am I "buying" into this crap ? So I just stopped altogether. We have a very nice fridgy that does amazing this with the filter it came with and the water is cold and delicious right out of the dispenser. The crazy thing was , I could not get over having it from a bottle! This is how bad my whole family was brainwashed into this scam . So.... I started out be re-filling the plastic bottles and using those to wean myself back into the habit of good ole tap. And it worked! I re-programed my brain back into accepting the good old cheap water that we already have to pay for. Now , water is a staple at our house - WITHOUT THE PLASTIC BOTTLE!!
America needs to wake up like I did ( and apparently you never feel in this stupid trap , kudos! ) and get with the program. Companies are out to rape our hard earned dollars everyday - we must say NO to this BS and get back on track with reality.

Thank you again,
Rachael Holley
Houston ,TX

Wednesday, May 14, 2008

Lemon Balm

I just run across this tip and I thought some of you might like to try it and see if it works. It said if you have trouble with flies in your house to plant lemon scented plants like lemon balm or lemon grass around your doorways and windows. I guess flies don't like the smell of lemon. Humm? I wonder if that is why years ago they started cleaning with lemon products, it not only is a disinfectant, smells good but it also keeps the bugs away. Just a thought and maybe worth a try. Have another super day. Jill

Preventing Messes newsletter 5-13

Preventing Messes
by Jill Cooper

There really is some truth in the old saying, "An ounce of prevention is worth a pound of cure". We may say that all the time but do we really know what it means and even more importantly -- do we practice it?

There are so many times in our daily living if we would take one or two extra minutes to prevent or fix a problem, no matter how big a hurry we are in, it will save 30 minutes or more dealing with that same problem at a later time.

Little things like wiping that sticky spill you make on the counter immediately with a rag instead of waiting until later when you have to chisel off the mess can make your life so much easier.

Try these suggestions for preventing headaches later. They may sound like common sense, but it's amazingly easy to throw them all out the window when we're "busy". These all may seem like little things, but they add up over the course of a day. Staying ahead of things can keep your home looking neater and make your whole day run smoother, saving you time and energy.

Use a spoon rest. Even a small saucer or dish works. Its is easier to wash one dish than to try and scrape 5 or more spots on the stove or counter where you kept laying the spoon.

Make and cut sandwiches on the plate you are going to eat them off of to prevent messes on the counter (or cut bread on a bread board instead of the counter).

Rinse dirty dishes right away. I couldn't figure out why I see so many people fill their sinks full of hot soapy water and vigorously scrub them before putting them in the dishwasher. Then it dawned on me that since they aren't rinsing them immediately after using them they have to scrub them before putting them in the dishwasher. Why even bother with a dishwasher then?

Empty the trash before it is too full. Too many of us wait until the trash is stuffed and overflowing. Then you put something in the trash and it won't fit, so you stuff it in there. If someone less patient or less responsible throws something in the trash and it falls on the floor, they leave it. It's not their problem. Soon you have trash piled everywhere.

Then along comes the "trash emptier person" (That's a new term I made up -- like it? ;-) trying to step around trash to get close enough to the trash can to empty it. This person then proceeds to stuff, push, pull and stretch until everything is squeezed into the one bag to avoid making two trips. What happens next? Of course the bag splits open or gets dupmed in the process of stuffing it. This happens all the time. I know because if it didn't they wouldn't have invented "Hefty, Hefty, Hefty." If you're a "stuffer" you've probably experienced this personally.

How much easier would it have been to take a moment to take it out before it was overflowing? Most of us have done this because when we don't want to mess with it we convince ourselves that it is easier than having to make an extra trip to the trash can, but it isn't.

Eat only in the kitchen or dining room. Don't allow family members to drag food all over the house. I don't think we realize how much of a mess we make when we eat all over the house. Besides the crumbs and spills, eating away from the table usually means that people leave empty wrappers, cans and containers all over. And don't forget about the sticky rings and spots all over the furniture.

I like to eat while watching TV. We all do. That's OK, but try to keep it under control. Have the kids eat their after school snacks at the table or if you want to let them watch TV, then put a small table in the family room where they can eat their snacks.

Make sure that all extra messy and crumbly items (like crackers) are eaten at the table. Leave the less messy things for the family room or bedroom.


When feeding babies, don't lay sticky messy food all over their high chair trays. I have had enough children and grandchildren to know that there is no way you can feed a baby or toddler without having some mess but there are a few things you can do to help keep it under control.

Feed gooey, extra messy things to babies yourself. Let them practice feeding themselves with the less slimy things first.

Start teaching them to use plates or bowls as soon as possible. That doesn't mean to give them Spaghetti O's the first time they use a plate. Instead start with something like a cheese sandwich.

When they first start feeding themselves, start out with things like dry Cheerios and continue to feed them the chocolate pudding yourself.


Always fill children's drinking glasses half full. Then, if it spills, they only spill half a glass and not a whole one. This makes easier cleanup and less waste.

Don't let anyone eat off of the table. How many times do your children make sandwiches and then just take them to the table to eat? If you don't want to dirty a plate, have them at least put the sandwich on a napkin. This saves you from having to wipe down the table every time someone eats something as simple as a cookie or a sandwich.

When you are sitting in the family room or some place other than the kitchen, don't place glasses with liquid in them on the floor. You are the only one that knows that the glass is there (if you remember) and the chance of a spill is nearly 100%. If you decide to allow drinks in the family room, make sure you have enough end tables and such for people to conveniently set them. If you let kids have drinks in the family room, you will almost certainly have more spills.

If you seem to be cleaning up the same messes over and over, look at what you are doing and see if there is a way to change it. For example:

I love using talcum powder after my shower but I would always get powder all over my dark rug. It was a mess. Then I figured out if I dried myself off in the shower and powdered myself before I got out of the tub, all of the mess stayed in the white tub and would be rinsed out with the next shower.

If your kids keep tracking mud into the house through the back door, a few well placed stepping stones might prevent mud from getting in.

Does someone spill a drink at the table every night? Do you then have to jump up run for a towel trying to get back before it spreads all over the table and down onto the floor? Often mom or dad are yelling "Why can't you be more careful?" the whole time and it messes up the whole meal.

I couldn't figure out why I didn't have this problem when my kids were young and then it dawned on me -- I used cotton tablecloths at every meal. When something spilled the tablecloth absorbed most of it. Even with a bad spill, I could still take my time getting a towel because the tablecloth would hold until I got back. It was much easier just to toss the tablecloth into the washer than to try to wipe up a sticky spill.

If you don't have or want to use tablecloths, you could do what my daughter did. She rolled some small hand towels and placed them in a basket that she kept on or near the table so that they were always handy when there was a spill.


You may find that it doesn't work well for you to use all of these specific examples. The point is to try and think of something different you can do that will work for you. Every little thing that you can do to make your home function better will make your life easier.

Tuesday, May 13, 2008

Discounted Plants

Hi Tawra,

As usual, your newsletter is awesome!

I wanted to pass along a tip I got today. Lowes and Home Depot sell vegetable plants at this time of year only and as things start to wilt and there is less demand (as most gardeners have already picked their plants), they begin to put things on clearance. I was just at Lowes and bought vegetables for 50cents a plant, bought grape and blueberry bushes (although very small, but will be big in a few years!) for half off, and bought onion and garlic starters for $1 a piece. The saleslady said they throw a lot away this time of year because they usually order more than folks buy.

Thought I would pass it along! rachael

Note from Tawra:
This is one of my Favorite Places to shop! I love the discount cart at Lowe's! I have found a TON of great deals for really cheap! The kicker is if they die, you can take them back and Lowe's will give you a refund up to a year later! So keep that receipt!

Here are just a few I have found in the last few weeks:
drawf coreopsis- perennial .50 each normally $4 each.
6 pack annuals- .25, normally $1.79 each


Pampas Grass- $1.00 normally $6.95




9 pack marigolds- 50- normally $5.95



Daisy's for .50 normally $3.95



As you can see some of these are in great shape. What usually happens is they forget to water them put them on the discount bin because they look and then you just bring them home and water. So far this year I've gotten over $100 worth of plants for about $6-$7.
This is a great deal if you don't mind waiting 2-3 weeks for blooms to come back.

Tawra

Garden's Are Growing

We are able to start enjoying the fruits of our labor. I was able to pick radishes the other day and now the lettuce, spinach and onion tops are ready for salads!

I don't think we are doing too badly considering we've had 3 hailstorms and frost here in the last month! This has been a wonderfully cool spring so it's been nice being able to work in the garden without having a heatstroke! LOL Usually by this time of year we are already starting to run the a/c for an hour or two in the afternoon. I'm not going to complain one bit! I love this cool weather.
Tawra


Graduation Ideas

Hi,

I really need some ideas! My daughter is
graduating from high school in a month. We just
cannot afford a big huge gift for her. I want to
give her something that will really mean
something to her and am not sure what. Is there
anything that isn't so expensive that she would
really appreciate? Help!

Thanks!
Lara

Monday, May 12, 2008

Common sense is lost.

I am still sitting here not believing this is even an issue.

My son, 10, kept saying for the last several weeks "mom can I take my ipod ($200) to school for reward day?" (Yes, he earned the money for it himself.)

I kept thinking that he must have misunderstood the teacher and I said "we will wait until we here from your teacher".

We got a permission slip from school Friday saying that the kids can bring any portable electronic device to school for a reward for getting high scores on the state assessment tests, including laptops!

I am just shaking my head thinking "you've got to be kidding me!" What kind of stupid people let kids bring $200 + electronics to school?

So I went and talked to the teacher to ask if there were alternative rewards they can do if the parent won't allow it. She said they can bring a board game or something like that.

I said "Am I the only parent who has a problem with kids bringing a $200 ipod to school?"

She said "well, I do have a large stack of signed permission slips. "

I said "you've got to be kidding me!"

She said "they got to vote on their choice of rewards and they voted on the electronic devices"

Why was it even an option?!!!!

Then she said "this does prepare to start being responsible for things in middle school, since they will be taking things like ipods and cell phones."

Ok, I am sorry but is one of the dumbest things I've heard!

We are starting now letting them know that not all "rewards" are not responsible choices to make even if the teachers have no common sense to choose proper rewards.

We talked to him and told him that just because the teacher thinks this is ok, doesn't mean it's a smart thing to do. We asked him if it was worth loosing a $200 for playing with it 45 minutes at school? He said "no". So I hope that helps him put it into perspective.

My whole point in this, other than venting, is to tell you if you have kids start now when these things come up letting them know they won't be doing these types of things. In 2 years when he is in middle school he will know that a cell phone will not be appropriate even if everyone else has one.

BTW, we did say we would try and think of another reward for him. He said "can I have a donut from Dillions?" We said sure! A .40 donut is much better that a broken or stolen $200 ipod!

So...would you let your kid take a $200 ipod to school?

Tawra

Friday, May 09, 2008

Newsletter 5-8

Today's Tips:

If you burn yourself on a regular basis while cooking, keep a bottle of aloe or burn ointment in the kitchen. If you have limited space in your bathroom, think about keeping your first aid supplies in the kitchen (Things like band aids, ointments, tweezers etc.). Most of the time when someone gets hurt mom is in the kitchen or some place other than the bathroom, so it is handier to have first aid supplies close.

Note: Be sure that you keep medications where they won't fall in the sink if you knock them over.

Anyone who works in an office knows the best way to get a good start on the next day is to leave your desk clear that evening before you go home. The same goes at home. If you want a good start to your day, make sure your kitchen sink is empty, the counters are clear and the table is cleared off and wiped.


Today's Menu:

Poor Man's Chicken Fried Steak*
Baked Potato
Cottage Cheese Salad*
Relish Dish w/ green onions, radishes carrots and
celery sticks
Texas Toast


Poor Man's Chicken Fried Steak

1 lb. hamburger (You can use pre-made patties.)
1/4 cup milk, placed in a shallow bowl
1/4 - 1/2 cup flour, placed on a plate
1 egg, whipped with fork and place in shallow bowl
1/2 -3/4 of a tube of crackers, crushed, place on plate

Form hamburger into 5-6 patties. Dip each patty into milk, flour, egg and last of all crackers. Place in a hot frying pan with a little oil. Season with salt, pepper, onion and garlic powder. Turn down heat and fry on one side then flip to other side. Hamburger is done when the juices run clear.



Cottage Cheese Salad

2 cups cottage cheese
1/4 to 1/2 cup each of the following:
green pepper, chopped
onion, chopped
tomato, chopped
chives or parsley, optional
Salt and pepper to taste.

Mix all ingredients and chill.

Reader Tip

Tawra,
Just wanted to share our grocery savings we stumbled across. We have a Shop-n-Save chain that does a $10.00 off a $50.00 purchase about every other week. They also happen to be running a special gift card promotion that coincides with the tax rebates where you buy a $100 gift card and they add an extra $10.00 to it. We took advantage of both of these promotions using our credit card to make the purchase, which gives us 5% back on grocery and gasoline purchases.

Shari

Tawra another thing that is wonderful for burns is pure essential oil of lavender too.. Cherie

http://countrygalcp.multiply.com
https://www.youngliving.org/cherieparry



Great site, Please write an article about how much
money iced-tea drinkers can save if they make
their own iced tea from loose tea leaves or plain
instant tea. The cost of bottles of Snapple and
other teas is shocking. Green tea, sun tea,
flavored teas are so easy to make and keep in the
fridge. I save the glass ice-tea bottles that I
buy and wash them to refill with home-made tea.
All you need to take advantage of the lower cost
of loose tea leaves is a small fine-mesh strainer
and a dollar store plastic funnel. Also compare
the price of loose tea to tea bags. Tea bags are
no bargain when you do the math! Jewels
Note from Tawra: This is how we make our tea and we just LOVE it! I buy it at a local spice, tea and coffee shop in Wichita called the Spice Merchant.

Reader Tips and Question

Tawra,
Just wanted to share our grocery savings we stumbled across. We have a Shop-n-Save chain that does a $10.00 off a $50.00 purchase about every other week. They also happen to be running a special gift card promotion that coincides with the tax rebates where you buy a $100 gift card and they add an extra $10.00 to it. We took advantage of both of these promotions using our credit card to make the purchase, which gives us 5% back on grocery and gasoline purchases.

Shari

Tawra another thing that is wonderful for burns is pure essential oil of lavender too.. Cherie

http://countrygalcp.multiply.com
https://www.youngliving.org/cherieparry



Great site, Please write an article about how much
money iced-tea drinkers can save if they make
their own iced tea from loose tea leaves or plain
instant tea. The cost of bottles of Snapple and
other teas is shocking. Green tea, sun tea,
flavored teas are so easy to make and keep in the
fridge. I save the glass ice-tea bottles that I
buy and wash them to refill with home-made tea.
All you need to take advantage of the lower cost
of loose tea leaves is a small fine-mesh strainer
and a dollar store plastic funnel. Also compare
the price of loose tea to tea bags. Tea bags are
no bargain when you do the math! Jewels

Note from Tawra: This is how we make our tea and we just LOVE it! I buy it at a local spice, tea and coffee shop in Wichita called the Spice Merchant.


Name: Kim Woodcock
Tawra,

I have a question--the nearest Aldi's location is
100 miles round trip for me. At the cost of gas
that would be about $30. Am I going to save more
than that by making the trip??

Since there isn't a store close, I have no idea
what kind of savings I would be expecting. I
could make the trip--but wouldn't want to do so
unless I knew that I would be able to make it
worth my while.

Let me know what you think.

Kim

I think it would be worth it for a stock up trip once a month. The savings are very high. I would say try it once, take a notebook and see what the prices are like at your Aldis. If you don't find the savings to be that high you will at least save the amount of gas money you spent to drive there.
BTW, I have compared and I can find store brands or items on sale for about the same price as Aldis. You just have to be more careful about how and when you shop. Tawra

Thursday, May 08, 2008

How do you do it all?

I don't want to mis-lead people. People seem to be under the impression that I "manage it all". Well, it's just not true. More days than not I feel worse than I look below and most days I wish a Mach (sp) truck would just take me out and get it over with. :-)

If it wasn't for my wonderful husband keeping up with the dishes and vacuuming and my mom taking the kids for me a few hours every week or two I would not still be standing (sort of).

Mike said "at least I was vertical in this picture, even if it was for a few minutes." LOL
So for those of you with chronic illness wondering how do I keep "doing it all". I don't. When I feel good I work fast and furious (about 10% of the time) for the times when I don't I can just crash. :-)
Tawra

Tawra on a 'Not so good CFS/FM day"

Dinner for $3.

Everyone asks how we spend so little on groceries. Here is how I do it. I buy almost nothing unless it's on sale, clearance or at Aldis.

I went to the store the other and found a GREAT deal. They had whole milk on clearance for .80 a half gallon. They hardly ever have whole milk on clearance so I bought everything that I could fit into my freezer. (don't e-mail me about how bad whole milk is for you. We happen to like it and did buy only 2% or less until the kids got hooked on whole at school.)



Then I went down a few more isles and found hamburger marked down to .75-.99/lb. so I grabbed all they had and hoped I had room in the freezer to stuff it in also! :-) (Don't worry, some of it I'm going to share with mom and SIL)


I then found some bakery hamburger rolls on clearance for .89.

So that night for dinner we had hamburgers (.99) with fancy buns(.89), asparagus (free from neighbor), baked beans (.39), green beans (.39)and cole slaw. (.69)



We had enough leftover that it cost us just under $3 to feed all five of us hamburgers for dinner and lunch the next day for $1-$2!

All it takes is some creativity. We have people whine all the time about how they just can't do it but you have to use what you have available to you. If your store doesn't have clearance items then use coupons, if you have a garden then use it to it's highest potential, if your farmer's markets are good deals then go there and if you live in Manhattan then realize that the fact that you don't need a car helps pay for your higher groceries. The point is you have to use what you can and make the most available to you.

Tawra

Tuesday, May 06, 2008

Bunch of reader tips.

Thanks for sharing guys! Tawra


Hi Tawra,

I thought I would send along another idea that
is fun for kids. Making homemade peanut
butter. It is so easy. We just put peanuts and
I add a small amount of oil (we use light olive
oil because that is what we have in our house).
Chop then blend in your blender. You can make
it as crunchy or creamy as you want. This is a
fun activity at our house and I thought you
might want to pass it along to your readers.

You might not need to add the oil but I don't
want to break my blender so I always add a
little to get it going. It is also nice because
you can use unsalted peanuts if anyone in the
house is watching sodium. I only make this in
small batches (which is fine because it is so
easy to make and so yummy fresh).

Have a good day,

Tracy


I was reading about the baked potato in the oven
and I do mine in the crockpot now. They are
almost as good as the oven and you don't heat up
the house! If you like the peel crispy just put
it in the oven for the last 10 minutes. I wash my
potatoes and wrap them in foil and throw them in
the crockpot for about 4 hrs. on low. Tracey


Hi....a good place to get menu ideas is from the school luch menu, more like dinner than lunch....
I have lil bowls, (gerber baby bowls)...that we use all the time (ice cream, desert, etc)....the kids can have that size bowl of cereal, and then if their still hungry...toast or muffin, etc.......when we have company my husband is always apologizing for the size of the plates.....(8")....we have one large "serving platter" which is what most people eat on....we also use 7 oz cups for juice and milk....I feel we eat less, (I know I do) but using smaller dishes, makes it easy to do portion control....dd


I was reading through your list of snack ideas, and some of them look fabulous, and are things I had never thought of. I have one caution for you, though. My friend is a nurse, and she pointed out that frozen grapes are NOT a safe snack, for any age. Her cousin had one get stuck in his throat (he was an adult), and they couldn't get it out, and he died. Think of what happens if you stick your tongue on a frozen flag pole.... same idea. The grape can freeze to the skin in your throat.

I really appreciate your ministry, I love your newsletters and tips, and I bought myself your cook book for Mother's Day, it's wonderful!


Thank you,

Christy

Grocery savings

Daugthers, you can't live with them and you can't live without them. Tawra (my daughter) has been telling me all week not to feel pressured into putting something on the blog everyday if I'm not feeling good. Today was the first day I decided not to post something and she calls me and says I have 10 minutes to post some words of wisdom on the blog because she said I would in the newsletter!

You moms with 3 year olds and teens think they keep you confused just wait until they get grown, it gets even worse!! :) :) :)

Actually I am kind of excited about a new audio tape I'm working on this morining. It's on saving at the grocery store (what a new and unusual subject :)). I hope to have some different things that maybe everyone hasn't thought about before. One of them is 80%-90% of your grocery savings is done before you leave home and after you get home from the store.

Another is we are just feeding our families too much. We really buy way more food then the average family needs. We aren't really paying attention to what our families eat at each meal. It's just easier to dump the cereal in the bowl, it doesn't matter that a child can get 2-3 times as much as they need. If most people just started giving their children the required serving of cereal alone, you would probably cut the amount of cereal you buy each week in half.

We really are obsessed with huge amounts of food, why do you think grocery warehouses are so popular? I can't go into it all now but one thing to watch for when shopping at these places is that if you find a monster tub of peanut butter for a great price be sure your family will be able to eat it before it goes bad other wise it was no bargain.

I have so much more I would love to tell you and not enough time or room to do it here but will try to give you another idea every once in a while. Have a super day! Jill

How NOT to Finance a Home Craft Business

How NOT to Finance a Home Craft Business

Patrice Lewis
plewis@rezmail.com
www.donlewisdesigns.com

Many people have plans to someday start their own home craft business, one that ideally would replace their outside income with income earned at home. They dream about giving up the commute. They fantasize about working at home, spending more time with their spouse and kids, and having the time to putter around the house and yard.

Usually these dreams and plans come about because the person in question is looking at the idealistic lifestyle of someone who already has an established and successful home craft business. Look at these people! Aren’t they lucky! They don’t have to drive through the snow to get to an office! All they have to do is walk across the driveway and they’re at work!

The trouble with this vision is that the wanna-be entrepreneur is only seeing a “snapshot” of the business-owner’s current success, and they assume it sprang - boing! - effortlessly into being, sort of like those nifty mushrooms that grow overnight on your lawn. No preparation, no planning, just boing.

NOT.

Rather than comparing an established home craft business to those rapid mushrooms, you should compare it to an oak tree: slow to get started, but sturdy and strong once it’s established.

This should be the pattern for your home craft business.

“Boinging” into Business
Go back to those dreams of working at home, of making your income from your own labor, of avoiding the commute, of spending more time with your family, et cetera. These are sweet dreams and there is no way I want to discourage them. I just want to make you see them realistically.

Spurred by these wonderful fantasies, some people decide on a product to make (boing!), quit their jobs (big boing!), use their credit card to purchase the necessary raw materials and tools (boing!), pay rent on a shop space instead of using their garage (boing!), and begin production.

Then comes reality. As I mentioned in my last article (“It Takes Time”), most home craft businesses don’t start out with a bang (or a boing). They grow slowly, like those oak trees.

The folks who “boing” into business are in for a nasty financial shock if things don’t go exactly as they fantasized.

Startup Costs
This is all fine and good, but what about the nitty-gritty financing of a home craft business? Where do you get the money for that?

Here is an example of do-what-we-say-not-what-we-do: don’t quit your day job. I’ll expand on this in my next article, but for now I’ll simply leave it at this: don’t quit your day job. Trust me on this.

Now for the bright side: getting the tools and raw material for starting a home business may be easier than you think. Most people don’t just pluck a successful home craft business idea out of thin air. They start the business by expanding an existing hobby, talent, skill, or trade. That means that many times they already have the basic tools or materials or knowledge needed to make the product.

What kind of tools do you need? Will you need a sewing machine, a quilting machine, a bandsaw? If you already know how to sew or quilt or do woodworking, chances are you’ve learned your techniques on your own tools and equipment. Now is your chance to utilize these existing tools to start your home craft business.

Or, alternatively, think of a home craft product that is compatible with the tools you already own. Tools such as a sewing machine or a band saw are versatile and easily adaptable to any number of crafts. You might be an expert in making lavender-velvet frammerjammits for all the grandkids, but now you can expand your repertoire by making and selling blue satin nig-nogs as well, which are more marketable and have a wider appeal.

Do you have space on your property to run a business? If you have close neighbors, they may object to loud power tools. (Despite our nearest neighbors being a quarter mile away, we still won’t run our noisiest tools after nine o’clock at night lest we disturb them.) Do you have a shop or a garage or a spare bedroom you can devote to your business? Do you have a computer for billing and internet purposes? Are you prepared for shipping?

Sacrificing for a Reason
Finding the money for a start-up small business is not easy. It’s not supposed to be easy. If it were easy, everyone would be doing it. Like anything worth doing, it usually requires a complete philosophical change from immediate gratification to deferred rewards.

So how do you raise the cash for all the tools and supplies you might need? How about for the advertising, display or show fees, raw materials, etc.? How can you do this without going into debt?

You use the principles of deferred rewards. If you had plans to buy a new (pick one) computer / car / dress / kitchen appliance / vacation trip / restaurant dinner / lawn mower / iPod / whatever, don’t. But do take the amount of money you saved and apply it to the business instead.

Have a favorite vice? Buy cheaper cigarettes (or quit altogether) and apply those funds to the business. Or buy your wine by the box instead of by the bottle and do the same.

But whatever you do, make sure it’s a real savings and not a phony one. You’re not saving money by resisting an impulse purchase. You don’t save $50,000 by not buying the yacht unless the yacht was in your budget to start with.

Rather, your choices should be: The old refrigerator is dying. Do I spend $1200 and get a new fridge with the ice cube maker and water dispenser in the door? Or do I spend $100 at the used appliance store and make do for another couple of years?

Deferred Gratification
Even if you’re as thrifty as can be and apply all your spare money toward funding the business, life can get in the way.

When our daughters were small, we called them Shop One and Shop Two. That’s because our workshop at the time consisted of a 10x10 chicken coop. Much of the time, shop work either spilled over outside (in good weather) or into the house (in bad weather). Or, to put it another way, we frequently lived in our shop.

Whenever we were poised to spend the money and build an actual shop – an honest-to-goodness real shop, with room to move around without bruising an elbow on the bandsaw - another “blessed event” would occur and we had to pay hospital bills instead (that’s why we called the kids Shop One and Shop Two). Fortunately we stopped at two kids and were eventually able to scrape together the money to build a proper shop (20x20 feet, palatial when compared to the chicken coop).

However, the five years we spent working in cramped quarters didn’t stop us from expanding our business. Despite the adverse circumstances, our home craft business was still our primary source of income. It just took creativity and a willingness to accept deferred gratification. We didn’t go into debt and build a shop at a time we couldn’t afford it. We waited. Our girls learned to crawl and then walk among piles of half-finished tankards, and for years I did housework around stacks of clamps, mounds of rubber hosing and rubber bands, gallon jugs of glue, and other tools of our trade.

Shrug. It’s a living.

The Debt Trap
Coupled with the desire to work at home is the frequent wish for instant business success (boing!), an irrational desire to have everything go perfectly from the beginning and to have your business become a rousing success without much effort. Boing.

Yeah, that would be nice. I’d like to win the lottery, too.

However, this little “boing” fantasy is a dangerous trap, because sometimes it translates into a spending spree. You whip out your handy credit card and purchase all the tools, equipment, supplies, and raw materials to make your product. You set your workshop up with Geppetto-like beauty and precision. Then you stand back and think, “Okay, finally! Now I can go into business.”

Bad idea.

Don’t ever, ever, ever, ever, ever, ever, ever, ever go into debt to start your home business. Aside from the idea that going into debt is wrong to begin with, there is the very real possibility that your business will fail for whatever reason, and then you’re left with the bitter regret of a failed business AND heavy debt to boot.

This is another example of “do what I say, not what I do.” When my husband and I started our home craft business in 1993, that’s exactly what we did: went into debt.

I’ll make some excuses for this, namely that our business was our sole source of income and frequently, in those early days, our modest living expenses outstripped our ability to pay our bills. Sometimes a critical tool (such as the belt sander or planer) would up and die, and we had to order a new one and put it on the credit card because we sure as heck didn’t have the money to pay cash for it. Sometimes a baby was born (remember Shop One and Shop Two?) or a medical accident would happen (like the time Don sliced off the tip of his thumb on the band saw) and we had to pay hospital bills.

Nevertheless, I will never, ever advocate these tactics for the reasons I mentioned above: if the business fails, you’re still saddled with the debt. In our case, it took years to dig ourselves out of the debt-laden hole we dug while getting our business on its feet. Had we properly planned things, the debt (and stress) could have been avoided.

Give yourself time to develop your customer base, increase the speed and efficiency in making your product, and develop your marketing knowledge. Don’t sink yourself into debt getting started because of wishful thinking or misplaced optimism. Obviously you’ll need the raw materials and tools to make the product, but work your way up towards better items as you begin to bring in income.

The Lure of Debt
Recently, while discussing frequent flyer miles with a business friend, I remarked that we seldom fly anywhere, in part because of the cost.

“I charge all my business expenses on my credit card,” he replied. “That way I earn so many frequent flyer miles that I can fly just about anywhere for free.”

“Hmmm,” I observed. “We never use our credit card for business purchases.”

“You don’t?” he asked, genuinely surprised. “Then how do you pay for your raw materials?”

Now it was my turn to be surprised. “With cash, of course,” I replied. “Or rather, with a check.”

“Everything?”

“Everything. We prefer not to establish credit with a company because we don’t want to get socked with a bill thirty days later, after we’ve used up the material. If we pay for everything up front, it’s over and done with.”

This concept seemed to baffle the fellow, though he agreed it was a cleaner way to do business…even if it didn’t earn us frequent flyer miles.

Credit card companies make it so temptingly easy to get into debt. Just think of all