Thursday, October 30, 2008

Red Hot Cinnamon Candies

When picking up your Halloween clearance candy be sure to get some red cinnamon candies if you can. Last year I found a 5lb bag for $.50 and thought what am I going to do with all of these but they ended up coming in really handy. Here are some things I used them for:

~I mixed them with dry roasted peanuts and put in cellophane bags for Christmas and Valentines gifts.

~Dissolve them in apple cider with a couple of drops of red food coloring for a delicious and easy hot drink. This is a great drink for Thanksgiving or a red Valentines drink.

~Use them for decorating all kinds of things from cookies to cakes.

~At that price you can make them part of your Christmas decorations by placing them in pretty dishes and sitting them around the living room and kitchen. They add a spot of bright color and are there for a quick treat if someone wants one. It's a change from the usually peppermints.

~Of course don't forget our red cinnamon jello salad.

Jill

Using Leftover Halloween Candy - October 30, 2008

Good morning!

I hope that you have your costumes all ready! Don't tell mom, but I still have one to make! :-) Of course she made the other two so you would think I could at least get one done! LOL My problem right now is finding a cheap white lab coat for our "mad scientist". If I don't find one he might have to go as Frankenstein instead.

Don't forget to check out our Sale of the Week. It's for a great DVD to learn how to decorate cakes. Learning this skill has saved me hundreds of dollars so far! Check out this week's Sale of the Week here!

Also if you missed last week's sale, Mike forgot to take it off so you can still get our Menus On A Dime e-book set for only $9.95 through midnight tonight. Find it here.

I wanted to let you know about our free e-book this week! It describes How to Make A Candy Christmas Wreath. This is an EASY and CHEAP Christmas gift if you buy your candy the day after Halloween. Please feel free to share this link with your friends, in your blog or on your website. Find it at http://www.livingonadime.com/ebooks/candy-wreath-freebie.html

We are working on putting up a new blog design for the blog which may cause it not to display properly, so if you can't get to it for a while today please be patient while we fix it! Thanks!

Have a fun and safe Halloween!

-Tawra
www.LivingOnADime.com





Leftover Halloween Candy
by Tawra Kellam

To prevent sugar shock, have a big bag of popcorn waiting when everyone comes back from Trick or treating. It's easy to fix and will counteract some of the sweet stuff.


Here are sone tips for using all of that extra Halloween Candy!

  • You can freeze candy up to a year in the freezer.

  • Don't forget to buy discounted Halloween candy for Christmas stockings and parties. Most kids don't care if their Christmas candy is orange and black or if it has silver and gold wrappers instead of red and green.

  • Use leftover Halloween candy in Christmas baking and for making gingerbread houses.

  • It is easier to cut candy into pieces if you freeze it first.

  • Break Butterfinger candy bars into peanut butter cookie dough.

  • Sprinkle chopped chocolates on a white or chocolate frosted cake or use them to top ice cream and cheesecake.

  • Mix leftover chopped chocolates into cake mixes.

  • Cut a hole in the center of rolled out sugar cookie dough. Place a hard colored candy into the center. Bake as usual. The candies will create a stained glass look.




Sale Of The Week
Learn Cake Decorating DVD


Have you ever wanted to take one of those cake decorating classes but just can't find the time?

Learn how to make beautiful cakes with this wonderful instructional DVD from our friends at TeachingGoodThings.com!

Learn More here!




Today's Recipes:


Candy Bar Milk Shakes

1 cup mini candy bars, chopped
2 cups (1 pint) ice cream (chocolate or vanilla)
1/2 cup chocolate syrup
1 1/4 cups milk

Chop candies in a food processor. They are easier to chop if they are partially frozen. Add the rest of the ingredients. Mix until blended. This makes a thick shake. Add 1/4 cup milk for a thinner shake. Makes 2 milkshakes.


Chocolate Chip Candy Bar Cookies

45 mini Hershey's candy bars
1 cup butter
1 cup sugar
1 cup brown sugar
2 eggs
1 tsp. vanilla
1 tsp. baking soda
1 tsp. salt
3 cups flour

Preheat oven to 325°. Chop candy bars. Cream butter and sugars in a bowl. Beat in eggs and vanilla. Add the rest of the ingredients and blend well. Fold in candy bar pieces. Scoop batter onto a greased cookie sheet with a teaspoon. Bake 9-11 minutes until golden. Let rest on cookie sheet 2 minutes before moving to a cooling rack. Cool completely. Makes 2-3 dozen.

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Tuesday, October 28, 2008

Halloween Alternatives - October 28, 2008

Good morning!

I wanted to let you know about our free e-book this week! It describes How to Make A Candy Christmas Wreath. This is an EASY and CHEAP Christmas gift if you buy your candy the day after Halloween. Please feel free to share this link with your friends, in your blog or on your website. Find it at http://www.livingonadime.com/ebooks/candy-wreath-freebie.html

Also, I LOVE to decorate cakes and found this great DVD which is a simple lesson in cake decorating from my friend Kathy at Teaching Good Things. I have saved over $350 on buying cakes since I took my class! This can be a HUGE savings. The best news is you don't even have to leave home to take the class thanks to Kathy! Check out this week's Sale of the Week here!

Have a great week!

-Tawra
www.LivingOnADime.com




Halloween Alternatives
by Tawra Kellam

Here are some alternatives to trick or treating for those of you who don't feel comfortable taking your kids to strangers' houses at Halloween. This is also great for young kids or if your kids are sick but still want to dress up and collect candy. As usual, these are just ideas to fuel your imagination. Be creative and have fun!

Have the Great Pumpkin visit. After dinner put the kids in the tub. While they are bathing, hide candy all over the house or yard. Then you can leave a trail of leaves around leading to the candies. Light some candles and turn off the lights. After the bath, let them put on their costumes and hunt for the candy.

Try letting the kids trick or treat door to door in each room of your house. Let them put on their costumes and you and your husband or grandparents can hide behind the door and give out the candy. This works much easier with at least 2 adults giving out the candy so that one can give out candy while the next is going to the next room.




Sale Of The Week
Learn Cake Decorating DVD

Have you ever wanted to take one of those cake decorating classes but just can't find the time?

Learn how to make beautiful cakes with this wonderful instructional DVD from our friends at TeachingGoodThings.com!

Learn More here!



Halloween Hunt:

Using the same idea as an Easter Egg Hunt, hide little bags of candy corn, or other fun candy around the back yard. Set the kids loose and let them find the candy. Be sure to keep back some of the candy in case someone does poorly. That way you can give them a few more and keep it fun for everyone!

For another fun twist on this idea, hide mini pumpkins instead of candy. Let the kids find and decorate them with craft paint. Let small children attach construction paper cut-outs with glue sticks.


Guess How Many:

Fill a jar with candy corn or candy pumpkins and have guests guess how many are in the jar. (Don't forget to count as you put them in the jar!) Place the jar near the door and hand each guest a 3x5 card to put their name, their guess and their favorite Halloween candy. Halfway through the party read them all off and announce the winner.


Halloween Memory Game:

Place a few theme items such as a candy corn, apple, mini pumpkin etc. on a tray. Show the tray to the guests for a few seconds, then have them write down (or call out) as many items as they remember.


How Many Words:

Hand each person a sheet of paper printed out with a Halloween word or phrase such as Haunted House, Trick or Treat, or Scarecrow. Do these on the computer so you can include some small Halloween Graphics. Ask each person to make as many words as they can out of the letters in the phrase or word you've given them!

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Saturday, October 25, 2008

Stay On Budget

Stay On Budget The Old Fashioned Way

Being budget conscience in this day and age is important, especially when faced with an uncertain economy. Keeping track of your money, both what’s coming in and going out in monthly expenditures is essential, especially for those who have set themselves up with a budget and have to follow it in order to live comfortably and within their means. There are a few things you can do in order to stay on budget.

One of the first things you can do is to change the way you pay for your purchases. Since credit cards and debit cards are extremely simple, fast, and efficient to use, it’s the simplicity of them that lead to impulse purchases. Checks on the other hand allow you to keep better records as to what expenditures you have made giving you better peace of mind that you are in fact living within your means. However, anyone who has flown, stayed in a hotel, or rented a car knows that you need a credit card when making any type of reservation. So it is essential to have at least one credit card that you can use in these instances. Just remember to keep your credit card purchases to emergencies and necessities only.

There are many who think that checks are a thing of the past, completely replaced by the ever popular debit card. In some instances that might be true, there are fewer businesses accepting personal checks than there were even 10 years ago, but there are still stores that do take them and if given the choice, always opt to write a check. With checks you have to know how much money you have in the bank, which means less impulse buys and more thought put into the purchases you do make. Plus, in most cases when you order your checks from an online vendor you will be saving yourself money as some online vendors charge less than your regular bank would for a check order.

You can think of your checkbook like an accessory. We choose clothing, purses, and jewelry to match our personality and now we can do that with personal check designs. What most people don’t realize is that there are now hundreds of designs you can choose from when ordering personal checks. You can choose from cartoons, animals, scenery, flowers, abstract, or even industry related. There are as many designs to choose from now, sure to match any purse or handbag you have.

Making yourself a budget and sticking to it is sometimes the only way to go, especially if you have not had the greatest of spending habits in the past. While credit cards are now a necessary part of life, for certain expenditures don’t make them the main means of your purchases. Writing checks will keep you on budget because you can’t write them for more than what you have available. Don’t underestimate how writing a simple check for your purchases can keep you on budget.


Paige Rylann is a successful writer and entrepreneur for http://cheappersonalchecksonline.com/, with a long term interest in business and personal finance. Whether you use business checks or personal designer checks, Paige provides tips and advice on saving money when you buy checks and reorder checks online.

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Thursday, October 23, 2008

Hello Everyone!

Yesterday was our 14th anniversary and we had a relaxing time watching a movie and going out to a nice restaurant (a gift from my in-laws)! Thanks, mom for watching the kids so we could go! ;-)

Just a reminder that this week's Sale of the Week is the 4-e-book Menus On A Dime series for $9.95. If you want to tr y some new menus and reduce your grocery budget, be sure to check it out! Learn more here.

We have posted our Halloween Articles on our web site at www.LivingOnADime.com You'll find them under the featured articles. Also, don't forget that you can get the Halloween On A Dime e-book free here. If you'd like your friends to have copies or if you want to post it somewhere, be sure to send them to this link: http://www.livingonadime.com/ebooks/hd-ebook-promo.html

Have a great weekend!

-Tawra
www.LivingOnADime.com




To Roast Or Not To Roast!
Great ways to use pumpkin!

Every fall I get many questions about what to do with pumpkins. Many people find curious fascination in imagining what it would be like to grow these versatile little gems, as if growing something that produces a large fruit is somehow more respectable than growing, say, a Serrano pepper.

Many people eventually venture into pumpkin experimentation. Some succeed and many fail.

Much like a dog that chases a car, many people never give thought to what they would do if they actually succeeded in successfully raising a patch of these fall favorites. Whether you have found yourself with more pumpkins than you know what to do with or you are one of the people who had to buy pumpkins and duct tape them to the vine, these tips for roasting and using pumpkins are sure to help you make the most out of them (no matter how you acquired them)!

How To Roast A Pumpkin

You can only do this with a freshly carved pumpkin! Do not use on a pumpkin that has been carved and sitting out for several days.

To bake a fresh 6 to 7 pound pumpkin, halve the pumpkin crosswise and scoop out the seeds and strings. Place halves, hollow side down, in a large baking pan covered with aluminum foil and add a little water. Bake, uncovered, at 375° for 1 1/2 to 2 hours or until fork-tender. Remove. When cool, scrape pulp from shells and puree, a little at time, in food processor or blender. Mix with a little salt.

To freeze pumpkin puree. Put 1-2 cups in freezer bags along with spices and use in pies.

To use pumpkin puree for recipes: Line a strainer with a double layer of cheesecloth or a flour sack dish towel and let the pumpkin sit to drain out the extra moisture BEFORE cooking with it. Pumpkin is very moist, so in order for your recipe to come out correctly, you MUST strain it.




Sale Of The Week
Menus On A Dime e-book series
Half Price!
(expires October 27th.)


Menus On A Dime Series

Learn to dramatically reduce your grocery bill making delicious meals that your family will love!

Learn More here!




Pumpkin Pancakes

2 cups flour
2 Tbsp. brown sugar, packed
1 Tbsp. baking powder
1 1/4 tsp. pumpkin pie spice
1 tsp. salt
1/2 cup pumpkin
1 large egg
2 Tbsp. vegetable oil
1 cup milk
1/2 cup nuts, chopped (optional)

Combine ingredients. Stir just until moistened; batter may be lumpy. Heat griddle or skillet over medium heat; brush lightly with vegetable oil. Pour 1/4 cup batter onto hot griddle; cook until bubbles begin to burst. Turn and continue cooking 1 to 2 minutes. Serve with Pumpkin Maple Sauce and nuts.

Pumpkin Maple Sauce

1 cup maple syrup
1 1/4 cups pumpkin
1/4 tsp. ground cinnamon or pumpkin pie spice

Mix together until well blended.



Here Are Some More Great Pumpkin Recipes!

Roasted Pumpkin Seeds

Pumpkin Smoothies

Pumpkin Crunch

Pumpkin Frosting Pie

Tuesday, October 21, 2008

Frighteningly Frugal Fun! - October 21, 2008

Dear Readers,

For this week's Sale of the Week, you can get the Menus On A Dime e-book series for $9.95. If you want to reduce your grocery budget or just save time deciding what to cook, be sure to check it out! Learn more here.

In case you didn't get a chance to pop over to the blog and see the news, Baby #4 is on the way! I'm due June 21st, so mom just might get a grand-baby on her birthday (June 23rd) or our youngest may get a birthday present on the 11th! I've been 3 weeks early twice and on the due date once so it will be interesting to see where this one lands!

Have a great week and enjoy the Halloween ideas!

-Tawra
www.LivingOnADime.com



Frighteningly Frugal Fun!

By Tawra Kellam

The average American family spends over $100 per year on Halloween goodies. As your kids drag you through aisles full of ghosts and goblins, the scariest thing about Halloween is threatening to leave bite marks in your pocketbook. No wonder so many moms flee screaming from the store... It can be much less expensive and a lot more fun to devise your own chilling creations. Here are a few fun recipes and tips that you can use to stave off the greenback gremlins and exercise your creative muscle. It won't hurt a bit!


Face Paint

1 tsp. corn starch
1/2 tsp. water
1/2 tsp. cold cream
food coloring

Mix all ingredients together in an old muffin pan and you are ready to paint. This amount makes one color.


Fake Wound

1 Tbsp. Vaseline
tissue
cocoa powder
2-3 drops red food coloring

Place Vaseline in a bowl. Add food coloring. Blend with a toothpick. Stir in a pinch of cocoa to make a darker blood color. Separate tissue. Using 1 layer, tear a 2x3 inch piece and place at wound site. Cover with petroleum jelly and mold into the shape of a wound. The center should be lower than the sides. Fill the center with the red petroleum jelly mixture. Sprinkle center with some cocoa. Sprinkle a little around the edges of the wound to make darker.


Wormy Apples

6 apples
1/2 cup brown sugar, packed
1/4 cup water
1/4 cup (1/2 stick) butter or margarine
1/2 tsp. each ground cinnamon and nutmeg
1/2 cup raisins
1/2 cup walnuts, chopped
6 gummy worms
1 cup whipping cream (optional)

Core apples from blossom ends, leaving stem ends intact. Mix raisins and walnuts and stuff into cavities of cored apples. Set apples, stems up in a 9x13 pan. In a saucepan, mix brown sugar, water, butter, cinnamon, and nutmeg; stir over high heat until mixture boils. Pour hot syrup around apples. Bake, uncovered, at 350°, basting occasionally with syrup, until apples are tender when pierced and skin begins to crack, 30 to 35 minutes. Remove apples from oven; cool in pan at least 10 minutes.

Set each apple in a small bowl and spoon syrup around fruit. In the top of each apple, cut a hole large enough for one of the candy worms and tuck one end into each apple, leaving most of the worm dangling. Offer cream to pour over apples. Makes 6 servings.




Sale Of The Week
Menus On A Dime e-book series
Half Price!
(expires October 27th.)


Menus On A Dime Series

Learn to dramatically reduce your grocery bill making delicious meals that your family will love!

Learn More here!



Halloween Tips:

Fake Blood- Mix 2/3 cup white corn syrup, 1 tsp. red food coloring, 2-3 drops blue food coloring to darken and 1 squirt dish soap (helps blood to run well).

Abrasions -Dab brown, red and black eye shadow on area. Apply blood over area with cotton balls. Use comb to gently scratch area in one direction. Apply cocoa or dirt over wound with cotton balls.

Black Eye - Apply red and blue eye shadow to depressions around eyes.

Bruises - Rub red and blue shadow over bony area to simulate recent bruises. Use blue and yellow eye shadow to create older bruises.

Look Old - Cover face with baby powder. Draw dark lines on your skin for wrinkles. Smooth edges to blend. Cover again with baby powder. Add baby powder to your hair to create gray hair.

Deviled Eyeballs - Make deviled eggs. Add a green olive with pimento in the center for an "eyeball".

Radioactive Juice - Mix equal parts Mountain Dew and blue Kool-Aid

Toxic Juice - Add some green food coloring to lemonade for a spooky color!

Brains - Scramble eggs with some green, yellow and blue food coloring

Bloody Eyeballs - Boil cherry tomatoes 30 seconds. Allow to cool; then peel skin.

Goblin Hand - Freeze green Kool-Aid in a rubber or latex glove, float in punch.

Use the tape from old cassettes or black yarn to make spider webs.

Use cotton balls stretched out for small spider webs.

Glass Jack-o-Lantern - Outline a pumpkin face on a spaghetti or pickle jar with black paint. The paint around the outside of it with orange paint. Place a candle inside for a jack-o-lantern.

Edible Slime - Pour lime gelatin into a glass bowl. After it is partially set, add gummy worms. Chill until lightly set. Then serve slopped all over the plate.

Bloody Popcorn - Add red food color to melted butter and pour over popcorn.

Freeze gummy worms in ice cubes and add them to drinks. Cut gummy worms in half if needed.


Have a Pumpkin Hunt

Hide mini pumpkins like you would Easter Eggs. Let the kids find and decorate them. For small children use glue sticks with construction paper cut-outs for decorations.


Halloween Guess It Game

In this game, you challenge the participants to reach into mystery boxes filled with creepy things and try to guess what each item is. The person with the most correct answers wins the game. An example is if you want them to guess "grapes", you might try to confuse them by saying, "I think it's eyeballs..."

Cut a hole in the top of a shoe box or laundry box for each item to be used. Cover the box with black spray paint. Decorate each box with pumpkins or spiders for a more festive flavor. Place the following items inside, one per box. Be sure to place enough of each item so the guests can adequately "feel" the guts.


  • Eyeballs - grapes or peeled cherry tomatoes

  • Intestines - Cooked Spaghetti

  • Skin - oil a piece of plastic bag

  • Brains - scrambled eggs

  • Hair - an old clown wig

  • Bones - thoroughly washed chicken bones placed in some sand

  • Vomit - chunky salsa

  • Fingers - hot dogs cut into finger sized pieces

  • Teeth - corn nuts, pine nuts or popcorn


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Thursday, October 16, 2008

Delicious Fall Treats - October 16, 2008

Hi Everyone!

We have had an exciting week around here! My grandparents are visiting from Colorado and we also have some good news that I'll make you go to the blog to find out. :-)

Don't forget to check out the "Winning the Credit Card Game" e-book sale that going on right now! Many readers have already taken advantage of this deal and we can tell by the response that there's a lot of excitement! If you haven't heard yet, now through Monday, you can get the "Winning the Credit Card Game" e-book for only $15.95 AND get the Dig out of Debt e-book series free! Don't wait too long, though! It's only available until Monday so check it out now!

Have a great rest of the week!

-Tawra
www.LivingOnADime.com




Today's Tips:

  • If you have extra chocolate leftover from trick or treating (yeah, right-- Who has leftover chocolate? I eat it all!)... but anyway, in case you have some, make these yummy peanut butter parfaits:

    Peanut Butter Parfaits

    1 small carton whipped topping
    1/2 cup peanut butter
    Chopped chocolate

    Fold peanut butter into whipped topping. Then layer in parfait glasses with chocolate.
    You could also add some chopped peanuts and chocolate syrup.


  • Place a plastic spider or a pair of those plastic teeth at the bottom of everyone's punch cup for a surprise on Halloween.


  • Serve your punch in a large plastic pumpkin instead of the usual punch bowl.





Announcing Our Newest e-Book!
"Winning The Credit Card Game"
(Offer expires October 20th.)


Winning The Credit Card Game e-Book

Are you struggling with credit card debt? Do you sometimes wonder if it will ever go away?

We got out of debt by being smarter with our credit cards. Learn how we did it in the new "Winning The Credit Card Game" e-book! Through Monday, each order also comes with the Dig Out Of Debt e-book series Free!

Learn More here!




Today's Recipes:

Halloween will be here in a couple of weeks so instead of the usual menu I have decided to give you a few tricks and treats to use for Halloween.

Jack O Lantern Juice

This is a twist on the usual Orange Julius.

1 (14 oz.) can sweetened condensed milk (not evaporated)
1 (46 oz.) can pineapple juice, chilled
1 (2 liter) bottle orange soda, chilled
Orange sherbet, optional

Mix all together in a large punch bowl. Top with a scoop of sherbet. Refrigerate leftovers.


Jack O Lantern Brownies

For a fast dessert or for those school treats your kids forgot to tell you about until the night before, grab your favorite brownie mix and bake it.

When cooled cut with a large pumpkin cookie cutter. Then frost with orange butter cream frosting. If using canned frosting just add a little orange food coloring to vanilla.
Decorate as much or as little as you would like.


Jack O Lantern Eggs

Hard boil eggs and dye with orange food coloring:

  1. Put a couple of teaspoons of vinegar in a mug and several drops of food coloring.

  2. Fill mug with boiling water and place egg in mug. You can let the water cool slightly before putting the eggs in if kids are doing this.
Use black markers to decorate with faces and other fun designs!

Jack O Lantern Pizza

English muffins
Spaghetti sauce
Cheddar cheese, grated
Black olives

Spread muffins with sauce and then cheese. Slice olives in different shapes to make eyes, nose and mouth. Broil or bake long enough to melt cheese.

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Tuesday, October 14, 2008

Winning the Credit Card Game - October 14, 2008

Good morning!

Well as you may have heard already our Winning the Credit Card Game e-book is available now! This book addresses our readers' many requests for an e-book explaining how we found 0% credit cards to pay off our debt and gives a step by step explanation of what we did. It's on sale for $15.95 and includes our 5 e-book Dig out of Debt set free this week, so check it out now!

We have had a number of readers ask about printing recipes or articles from the newsletter. All you have to do is click the "Printer Friendly Text Version" link at the top of the newsletter or, if you just want to print part of it, you can copy and paste the recipe you want into a Word document and print it. Yes, you can also post some of these recipes, tips and articles on your blog or website. If you do, we ask that you credit www.LivingOnADime.com.

Don't forget to check out the blog to see how our fence project is going!

Have a great day!

-Tawra
www.LivingOnADime.com




Winning the Credit Card Game
By Michael and Tawra Kellam
http://www.livingonadime.com

We were able to pay off $20,000 in debt in 5 years on $22,000 a year income by taking advantage of low interest rate credit card offers. We saved $67,000 in interest on that $20,000 by using low or no interest offers to our advantage.

All it took was a few 5 minute phone calls. Making the calls and getting lower credit card rates can be a great help to getting your debt paid off fast. The only catch is you have know the game and how to play it.

Please note: This is only going to work if you have your spending under control! If you don't, then don't bother messing with it. In other words, if you freed up some credit and then couldn't resist going out and maxing-out your cards again, then don't waste your time with this because you will make your situation worse.

  • Step 1: Don't become overwhelmed by the amount of your debt. Take it one day at a time. You have no doubt heard the saying, "How do you eat an elephant? One bite at a time." Concentrate on the bite you're chewing on right now. Don't worry about contributing to your kid's college fund when your house is about to be foreclosed.


  • Step 2: Know What You Owe. List all debts (credit cards, loans, etc.). Be sure to list creditor, balance, interest rate, and minimum payment. This is found on your statements you receive each month.


  • Step 3: Deal with Creditors. Start answering the phone and dealing with the creditors! Better yet call them FIRST as soon as you know you can't pay a bill! If you call them as soon as you realize you can't pay a bill in full, they are much more willing to work with you than if you just don't pay it. Call them and tell them that you can't pay the bill in full this month and why (lay off, medical problems, whatever). Ask if you can spread it out over a period of time. Then, ALWAYS PAY SOMETHING.


  • Step 4: Ask for a lower interest rate. Most people will find that at least one or two of their credit cards will reduce their rates if they simply ask. If you ask a company to lower your rate and they say "no," don't take it personally. Remember, it's not personal-it's just business. Call the next company.

    If companies won't reduce your interest rate because you have bad credit, make all your payments on time for 6 months and then ask again.



Announcing Our Newest e-Book!
"Winning The Credit Card Game"
(Offer expires October 20th.)Winning The Credit Card Game e-Book

The question we hear most often is, "How do I get a 0% credit card and use it to get out of debt?"

We show you how in the "Winning The Credit Card Game" e-book!

Learn More here!




How it worked for us:

Once we got our spending under control and paid down a little debt, we began to get better balance transfer offers.

The more we paid off, the lower the interest rates we paid because companies started competing for our business. We were able to finance our $40,000 business loan, buy a car, and pay off medical bills all at 0% to 2% interest.

(Remember, though, if you're trying to pay off debt or especially if you don't have your finances under control, you don't want to buy or finance anything.)

It is really quite simple to transfer credit card balances. It generally took me about 10 minutes every six months. We were able to save over $67,000 in interest with 30 minutes of phone calls.

If we had paid the minimum payment at 21% interest, then we would have paid over $69,000 in interest.

  • Step 5: Keep it under control!

    • Don't be late on your payments!

    • Don't make purchases on a balance transfer card.

    • Don't buy any "frills" that companies offer with your card. Some companies will try to sell you on the "benefits" of their cards.


  • Step 6: Keep Track. If you use these "limited time" offers to transfer balances like we did, you have to be really careful that you keep track of when the offer expires. You won't save money if you transfer to a low rate card and then forget that the rate has gone back up. I keep one small notebook for writing down my balance transfer information.


  • Step 7: Pay it off! Pay minimum payments on all of your debts except the one you are trying to pay off. Then pay ALL the recently freed money and anything extra you get along the way to the debt you want to pay off first.

    The idea is to completely eliminate debts, one by one. Once you pay off the first debt, take all the money you were paying toward it and add it to the next debt. This creates a snowball effect that makes it possible to pay much faster than you might have thought at first.

For more information on this topic, including the step by step process we used, check out the new Winning The Credit Card Game" e-book here.

Thursday, October 9, 2008

Fruit Cream Cake - October 9, 2008

Good morning!

I want to remind you that this week's Sale of the Week is on our HUGE "Saving With Kids" E-book package. We have answered so many readers' questions about how to teach kids about money, how to get them to help keep the house picked up, how much allowance is appropriate, how to organize kids' rooms and teach your kids to do the same.

As I think about it, the series is not so much about saving, but about teaching your kids valuable life skills, financial and otherwise. If you could use help in this area, read About "Saving With Kids" here! It's half price this week -- only $10, so check it out now!

Also, I want to say a big thank you for taking our blog survey. It gave us some useful information that we needed to help you better!

Don't forget to check out the blog today. I have pictures of my "new" house on there so check it out!

Have a great weekend!

-Tawra
www.LivingOnADime.com




Today's Tips:

  • When making a spice cake, add a mashed banana to it for an extra moist cake.

  • When making a graham cracker crust, add a little cinnamon to the mix.

  • I once knew an elderly lady who made the most "absolutely to die for" dinner rolls I have ever tasted. When I asked about her secret, she said when she greased to bowl to let them rise in, she used bacon grease instead of shortening or margarine. I have used this for years. No one would ever guess and they all love my rolls.

  • When making meatloaf, you don't have to bake it separately. You can make it a one pan dish by adding potatoes, carrots and onions before you bake it.

Today's Menu:

Ham
Sweet Potato and Apple Dish*
Tossed Salad
Dinner rolls
Fruit Cream Cake*




Sale Of The Week
Saving With Kids e-book series - half price!
(Offer expires October 13th.)


Saving With Kids e-Books

Learn new ways to teach, inspire and motivate your kids, Starting NOW!

Get the Saving With Kids e-book series here!




Today's Recipes:

*Sweet Potato and Apple Dish

6 medium apples, peeled, thinly sliced
2 sweet potatoes, peeled, thinly sliced
1 cup quick oats
1/2 cup packed brown sugar
1/4 tsp. each ground cinnamon, ginger and nutmeg
1/2 cup maple syrup
2 Tbsp. butter or margarine, melted

Place the apples and potatoes in a greased shallow 2 1/2 qt. baking dish. Combine the rest of the ingredients and sprinkle on top. Cover and bake at 350° for 40 minutes. Then uncover and bake about 15 minutes longer or until tender.


*Fruit Cream Cake

I used pineapple in this recipe, but you can use any kind of fruit like peaches, apricots or something else.

1 box yellow cake mix
1 (8 oz.) pkg. cream cheese, softened
1 cup milk
1 (3 1/2 oz.) pkg. instant vanilla pudding
1 (20 oz.) can crushed pineapple, drained
1 (9 oz.) carton of whipped topping

Bake cake in a 9x13 pan. Cool. Mix cream cheese, milk and pudding and spread over cake. Spread pineapple over that and top with whipped topping. Refrigerate until serving.

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Tuesday, October 7, 2008

Creative Halloween Decorations - October 7, 2008

Hi!

First, to celebrate fall, we have decided to give away our Halloween On A Dime e-book to all our readers. This has some great ideas for fall decorating which I am hopefully going to do today at my house! Please feel free to pass the link to your friends or post on any freebie boards you would like. Get it free here!

Also, we have a HUGE favor to ask. We are tweaking our blogs and REALLY want your input, even if you don't read the blogs. Would you please take 2 minutes to answer a few yes and no questions on our Blog Survey? Take the survey here! Thanks!!

This week's Sale of the Week is our Saving With Kids E-book package. It's half off and we are even throwing in a bonus e-book that our son BJ wrote on Saving Money. If you want to learn how to teach kids about money, get them to do their chores and finally get those toys organized this e-book set is for you! Learn more here!

Also don't forget to check the blog for the latest happenings in our life!

Have a great week!

-Tawra
www.LivingOnADime.com




Be Creative With Halloween Decorations!
by Jill Cooper

I just stepped outside and took a deep breath and then another one and another one. No I don't have a breathing problem or anything. It's just that for the first time in months, I don't feel like I'm breathing in an aquarium. The air is crisp and cool and that means fall is here.

At one point in our lives, that would have been the signal for us to haul out boxes and sacks full of Halloween decorations and go to work. It would usually take us at least a month to put everything out. We were one of those families who would put out a "monstrous" (Ha!Ha! No pun intended) display. We literally had hundreds of people drive by our home just to see our decorations. It really was a lot of work, especially because back then you couldn't really buy much to use for outside Halloween decorations. We had to use our imagination and make our own.

We like to have fun at Halloween and not scare the wits out of everyone, so we try to keep our decorations cute and funny looking. To us, Halloween is a time for children to dress up and for one night a year be what they always dreamed of being, whether it's a fairy princess, a ballerina, Superman or even a robot. They get to be on the "stage" for one night to show everyone how beautiful, strong or funny they look. And to end a perfect night they get tons of candy, bags of candy and did I mention, a whole bunch of candy??




Sale Of The Week
Saving With Kids e-book series - half price!
(Offer expires October 13th.)


Saving With Kids e-Books

Learn new ways to teach, inspire and motivate your kids, Starting NOW!

Get the Saving With Kids e-book series here!



Here are some ideas of things we did to have a whole lot of fun for very little money. You can use these same basic principles for any holiday decorating.
  1. You don't have to have a lot of decorations for your display to look nice. I drive by one home every year and each season the owners put out one simple something. For example, in the summer they have one beautiful pot of flowers sitting on their porch. In the fall a pot of mums, for Halloween, one pumpkin with a smiley face and at Christmas one pretty lit up wreath on the door. It's never a lot, but I always get pleasure when I drive by the place and see their one simple decoration.

  2. We work all year buying things at garage sales or thrift stores for our decorations. We started out with about 25 plastic pumpkins to set out for a pumpkin patch. The next year we added another 50 and drilled holes in the bottoms so we could put lights in them. After a few years we had 200-300 of them that we had collected. We never paid more then 5-10 cents for them. If you want to have a big display, start small and just add a little bit more to your decorations each year.

  3. If you see something in a magazine or somewhere that you think is cute but too expensive, try to copy it and make it yourself:

    • I saw a cute rake in a magazine that I loved. It was an old rake that had a few silk flowers tied on it and a sign that said "Free leaves, rake all you want." I just happened to have a dead 50 year old rake in my shed I was going to throw away, so I pulled it out, found an old board and some paint (I could have used a marker too), painted on the words and tied on a couple of stray silk flowers that I had and voila! I had a cute rake and saved about $25.

    • It takes nothing to stuff some old clothes with plastic bags and make a scarecrow family.

    • If you are a little handy, put your talent to good use. My husband took an old metal trash can and motorized it so that the lid moved up and down and when it opened it popped out a Sylvester the cat.


  4. We found decorations in unusual places. Once we went to the grocery store where they had a gigantic pumpkin. The thing was about 8-10 feet across. We asked the manager if they threw it out at the end of the season and he said no. We told him what we needed it for and discovered that he had seen our display and liked it. He said "Come by on Halloween morning and you can take it to use and then bring it back." It doesn't ever hurt to ask about anything. Most people aren't mean and hateful, but are usually kind and helpful.

  5. Get more bang for your buck. Buy things that have a big impact but cost little. A couple of bags of spider webs and plastic spiders can cover a lot of area and look "cool" but cost very little. I use spider webs for everything. They're great to use to cover throw pillows for a party, put in your hair, hang on the lights or wrap around the handles of silverware. You just can't have too much.

  6. Use what you already have around the house.

    • We were having a Halloween party and to add to the effect, we dug out some black sheets and covered all the furniture. It changed the whole look of the room.

    • Another year, my husband found some 10 foot long, thin metal rods. We stuck them in the ground, added styrofoam wig heads to each one and hung some large pieces of sheer fabric I had gotten for free from a friend over the tops of the heads. Everyone loved them. The sheer material had a much more realistic see through look then just a sheet. At night, you couldn't see the rod so it looked like these ghosts were floating 10 feet up in the air.

  7. Start the day after Halloween to prepare for next year. If your kids get a bunch of plastic spiders when they go trick or treating, save them and add them to the decoration box. If your child dressed as a pumpkin this year, save the costume, stuff it next year and set it out with the decorations. Try to think of ways to incorporate any old costumes into your decorations.

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Thursday, October 2, 2008

Grandma's Cherry (Fruit) Cobbler - October 2, 2008

Good Morning!

Mom and I are still painting the house and yes, we are dead... but it sure looks good! ;-)

Check out this freebie today from our friends at TriviumPursuit.com - "Ten Things to Do With Children Ages Ten Through Twelve". It's got some great tips on what kids should know and if you're like me, it will inspire you to work on areas of improvement. Get it here.

Don't forget our Dining On A Dime Cookbook e-book sale this week, too! We're offering the new e-book version for half price for this week's "Sale of the Week". This special expires Monday, so check it out here! We have some great recipes on the blog for you to "try before you buy".

Have a good rest of the week!

-Tawra
www.LivingOnADime.com





Today's Tips:

In our recipe today we talk about putting Parmesan cheese on our fries. You can jazz up plain old frozen fries in other ways too. Here are a couple of them:

Pour melted cheese over them or place the cheese in a bowl to dip your fries in.

Make what, in the Pacific Northwest, they call "Fry Sauce" to serve with your fries. When we moved there from Kansas, we would go to a fast foods place and they would ask us if we would like some fry sauce. We didn't have a clue what it was but we found out fast and it was really good.

Fry Sauce:

1 cup mayonnaise
1/2 cup ketchup
To taste; garlic salt, salt, Worcestershire sauce
Buttermilk or half and half* (optional)

Mix it all together. *If too thick, use the buttermilk or half and half to thin.


The holidays will be fast approaching with its busy days, lots of company and parties. Here's a different way to make a topping for a cobbler or crisp. Make it up now and keep a couple of bags of these ingredients ready to use for a fast desert.

Place a handful of gingersnaps (these are about $1 at the dollar store) or sugar cookies in a plastic bag. Crush them and add:

flour (about 2-3 Tbsp.)
brown sugar (1/4-1/2 cup)
oats (1/2 cup)
some cinnamon

These measurements don't have to be exact. When ready to use just cut in enough butter (3-4 Tbsp.) to make the mix crumbly. Sprinkle on top of a can of pie filling or make up the filling from your favorite cobbler or crisp and bake as usual.


Today's Menu:

Hamburger Steaks (big hamburger patties)
Veggie Stir Fry*
Glorified Fries*
Grandma's Cherry (Fruit) Cobbler*




Sale Of The Week
Dining On A Dime e-book - half price!
(Offer expires October 6th.)

Dining On A Dime

Try Dining On A Dime and create more space in your budget!

Dining On A Dime is your source for scratch cooking recipes that are sure to please your family and save you a bundle on your grocery bill!

Get the Dining on a Dime e-book here!





Today's Recipes:

*Veggie Stir Fry

4 cups fresh broccoli
3/4 cup baby carrots, quartered lengthwise
2 tsp. vegetable oil
1 medium zucchini, halved lengthwise and sliced
1/2 tsp. salt
1/4 tsp. pepper

In a nonstick skillet stir fry carrots, broccoli and oil for 5 minutes.
Add everything else and stir fry 5 more minutes or until all are tender.


*Glorified Fries

Sprinkle frozen fries with Parmesan cheese and, if you like it, rosemary. Add them in the last 5 minutes of baking.


*Grandma's Cherry (Fruit) Cobbler

As the cobbler bakes the crust comes to the top. Serve warm with cream. You can use fresh cherries or other fruits. When using fresh fruit, cover with an extra 1/2 cup sugar and pour 1 cup of water over all in place of juice. Bake as usual.

1 cup flour
2 tsp. baking powder
1/8 tsp. salt
1/2 cup sugar
1/4 cup margarine or butter
1/2 cup milk
1 can pitted sour red cherries, drained, reserve juice
1/2 cup sugar for topping

Whisk flour, baking powder and salt. Cream butter and 1/2 cup sugar. Alternately add dry ingredients and milk to butter mix. Beat until smooth. Pour into greased 8x8 baking dish. Pour cherries on top and sprinkle with 1/2 cup sugar. Pour 1 cup cherry juice over all. Bake at 350° for 45 minutes.

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