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The Frugal Life – Living Well With What You Have


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Published Weekly by Randal Watkins
The Frugal Life
February 25, 2003

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Hi Everyone,

Thanks for all your postings and answers to the questions. I noticed that
you are not putting your email addresses in the posts anymore. Thanks for
doing that, I know that will give us a central place to have our answers to
refer back to when we need them.

Having the forum sure has made it easier for me to put the newsletter
together. Also, I am sure it is giving each of you faster replies on
your answers.

Thanks for your continued readership!

Please pass The Frugal Life News on to your friends! It’s how we grow!

Until next time,




The easiest way to create additional money to help accelerate debt payoff is
to examine each of your recurring required expenses and discover ways to
reduce them. Saving $5 or $10 a month on just a few expenses adds up fast!

Automobile insurance premiums are a good example of recurring required
expenses that you can reduce with a little bit of effort and some shopping

There’s nothing I hate more than reading insurance policies. The terminology
and all those little codes are mind numbing and sleep inducing.

No doubt by design.

But, with a little patience, you can get a handle on this stuff and reduce
your costs. There is an abundance of auto insurance information on the Web.
An hour spent searching and using the free quote services will pay big

In this article I’ll give you some pointers, but do invest some time finding
extra money by reducing your Auto insurance premiums.

The first thing I discovered is that there’s no such thing as “Auto”


What we call, “Auto Insurance” is really just several different types of
insurance bundled together. This is the reason for the various codes and
line item charges. Here’s the list:

Bodily Injury Liability
It pays the driver of the other car and its passengers in the event of an
accident; it covers the passengers in your car as well.

Property Damage Liability
This coverage pays for the repair and replacement of the other guy’s
property damaged in a car accident.

Personal Injury Protection
It pays for medical and funeral costs associated with an accident for you
and your family — regardless of fault.

Uninsured and Underinsured Motorists
This coverage pays for medical and funeral costs for you and your family
should someone without coverage hit you.

Collision and Comprehensive
Collision pays for the full cost of your repairs. Comprehensive covers you
for vandalism, theft, and natural disasters.

Towing and Rental car coverage in case of a breakdown or accident leaves you
without a car.

Since there is a line item charge for each type of coverage, review with
your agent:

1. Whether this coverage is mandatory or optional in your state.
2. Whether your coverage under another policy, like a Health
Insurance policy, makes similar auto policy coverage redundant.
3. Whether you agree with the dollar amount of coverage. The
higher this amount, the higher your premiums.
4. The complete list of discounts that you can take to reduce your
premiums. This can include:

Higher Deductibles, Safety Equipment, Anti-theft systems
Driver Training, Purchasing for full year, Safe Driving,
Good credit, Mature driver, Work at home, New driver,
Car pooling,
Combining home and auto policies under the same insurer,
Long term customer, Type of car…

And, of course, you can cut your premiums in half simply by living with 1

And remember, higher premiums mean more money for the insurance company, so,
it’s up to you to be persistent in getting these discounts!

Drive safe!


Payoff All of your Debts in 5-7 Years using the money you

Greg Moore is the author of the Debt Freedom Course, “DebtIntoWealth —
Lessons from My Journey to Debt Freedom”. For your FREE Lesson 1 of this
course, CLICK HERE:
Debt Into Wealth



Under controlled conditions, we had groups of laboratory mice breath the
fumes released by several types of air fresheners. We found scientific data
demonstrating irritation of the eyes, nose, throat, and sinuses; difficulty
breathing; asthmatic reactions, and changes in nervous system function(loss
of balance, tremors, and convulsions). Several of the mice died as a result
of breathing these chemicals.

The data demonstrate that some air fresheners release toxic (poisonous)
chemicals which can irritate the airway and cause serious malfunction of the
nervous system.

Source: Toxic effects of air freshener emissions. Rosalind Anderson Ph.D.
and Julius Anderson M.D.-Ph.D. Archives of Environmental Health(1997) 52:


We use an AromaBall with our favorite scents to make our home smell good.
However, during the winter months, instead of favorite aromas, it’s better
to choose something that will also kill germs and bacteria and viruses that
seem to spread so easily in a closed-up house.

Essential oils have become so popular because of the toxicity of the common
chemical air freshners that cause cancer. If your store has current
supplies of these, you’ll find this printed on them: „This product is
banned in California because it causes cancer.‰

Break into the 21st century and begin using essential oils. They come from
plants and if you get a 100% pure source of oil, you’ll be amazed at what
they can do. Read more here:
More About Essential

If you want to replace your air freshners with a safe choice, here’s more
information on kits to do that: href=” “> EO Kits


Visit Healthy Pet Corner for lots of information, products,
and links for birds, cats, dogs, horses, rabbits, and reptiles.
All for Pets


WAYS TO SAVE ON EATING OUT – by Dr. Charlotte Gorman*

Because of the busy pace of life today and for other legitimate reasons,
more and more Americans are eating out on a regular basis. If you are one of
those, here are some tips that should help you save some important dollars.

1. Eat fewer meals out. You should be able to save a considerable amount of
money on your food expenditures by eating most of your meals at home.

2. Take your lunch to work rather than eat lunch out. For example, a $7.00
lunch (which is very conservative) eaten out each workday costs
approximately $152 a month, $1824 a year, and $18,240 in 10 years. A $10.00
lunch out (which might be closer to what the average working person spends)
would amount to about $217 a month, $2,604 a year, and $26,040 in 10 years.
Simple, yet nutritious, sack lunches which you prepare at home should cost
you only a small fraction of these amounts.

3. When you are eating out and you are paying for your own meal, don’t order
the most expensive item on the menu. Rather, order one of the less expensive

4. If you plan to eat out, consider lunch rather than dinner, since an
identical dish can be several dollars less during lunchtime. In addition,
some restaurants even add a salad, dip, or other item to lunch entrees at no
extra cost; the added item would cost extra at dinnertime.

5. Avoid “high-class” restaurants where, it seems, you are expected to tip
nearly every employee in the restaurant. This type of tipping could add a
large amount to the overall cost of your meal.

6. Eat at places where you normally are not expected to tip or, if so,
certainly not as large a percentage as at full-service restaurants. Some of
these places might include steak houses and other similar establishments
where you go through the “line” and place your order, picking up some of
your food as you go through; traditional cafeterias; and fast food places..
(Some eating establishments even display signs: “No Tipping, Please.”)

7. Go to restaurants where you can order half-orders or individual items if
you are a light eater. Otherwise, unless you ask that your leftovers be put
in a doggie bag, you are wasting money.

8. Some restaurants have separate carry-out establishments attached to them
or located next door. The identical restaurant foods are sold there but are
available at cheaper prices. Getting the carry-outs will save you money.

9. Watch for opening specials offered by new restaurants and other types of
food establishments and save on your costs of eating out.

10. Whenever possible, use coupons to help reduce your costs when eating

11. Take advantage of offers such as “buy one, get one free,” “two for one,”
“all you can eat,” and “one-half price from four to six p.m. on Tuesdays and
Thursdays,” and save a sizable amount on eating out.

12. Ask restaurants, fast food places, cafeterias, and carry-out places if
discounts for senior citizens, students, and children are available.
Discounts help reduce your costs.

13. When eating out, be aware of special deals for senior citizens offered
by some food establishments, such as a free soft drink with the purchase of
a sandwich.

14. If children are with you when you eat out, ask if a children’s menu is
available. The prices are cheaper.

15. If you have sufficient food left on your plate, and if it seems
appropriate to do so, ask the waiter or waitress to put it in a doggie bag
for you. You are wasting your money if the leftovers are thrown away. Be
sure to take it home immediately and put it in the refrigerator if it is a
perishable food.

16. In general, when eating out, don’t offer to pay the checks of others at
your table. Let each person pay his or her own bill in most instances.
Paying others’ checks could put your food budget in serious trouble.
Exceptions to this rule, of course, will arise occasionally.

17. If your eating companion insists on picking up your tab, then, by all
means, let the person do so, but be prepared to reciprocate on a future
occasion (if appropriate).

18. Just drink the water brought to your table in the restaurant or ask for
a glass of water if water is not routinely brought, rather than order a soft
beverage. A carbonated soft drink, a glass of iced tea, or a cup of coffee
could easily cost over $1.00, maybe closer to $2.00, so save yourself this

19. Limit the number of alcoholic beverages you have in a restaurant or
eliminate them there entirely, since they can run your restaurant bill up
quite a lot. Having your drinks at home will be less expensive. (Don’t drive
if you have been drinking!)

20. Go to happy hours where free snacks are served. Buy one drink (alcoholic
or nonalcoholic) and make your meal on snacks. It is almost unbelievable at
the array of snacks some places offer. A meal for the price of one beverage
would be a fairly inexpensive way of eating out. (Don’t drive if you have
had alcoholic beverages!)

21. Attend open houses, grand openings, and other free activities where free
refreshments are served, and save on your food expenditures.

22. Have your children take their lunches to school if this seems
appropriate and is cheaper than eating in the school cafeteria or eating

*Dr. Charlotte Gorman is an Extension Agent, Family and Consumer Sciences,
Texas Cooperative Extension, Texas A & M University System. She is the
author of The Frugal Mind, The Little Book of Living Frugal, and Speak for
Yourself. Web page: E-mail: ca******@di*****.net


Here’s a kit with everything you will need to start making your
own pampering and cleaning products for pennies with the
easy-to-follow recipe guide.
Make Your Own


Wanted to share a preparation tip that I learned from a neighborhood kid on
my street, who in turn had been advised by his family doctor. You know those
packages of dry, inexpensive ramen noodles you can get at the store in the
oriental foods section?  Well, they’re LOADED with fats from hydrogenated
oils used for long shelf life. To greatly reduce the amount of fat, first
you boil the noodles according to the directions.  The trick is at the same
time you either boil ANOTHER pot of water on the stove or boil a cup or two
in the microwave. When the noodles are cooked, you drain out the water that
the noodles were cooked in (you can see the oily fat residue floating on the
surface) and then you pour in the second pot of hot, clean water in place of
the old.  Then, continue with adding the packet of powdered seasoning and
voila! You have healthier noodles with the same taste, lower fat! Of course
to make it even better, add thinly sliced carrots, string beans, sliced
mushrooms, green onions, etc. A warm, inexpensive and stomach-filling dish
on a cold winter’s day! Enjoy!

Posted on the forum by monimoo

This site may be useful to those of you with kids. Exchange those outgrown
clothes with new sizes amongst other families at no cost. I’m contemplating
adding more categories, for men, women and teens.   The site is currently
free, hopefully the banner advertising will cover the server costs. Don’t be
afraid to drop me a line w/ suggestions! Rick  


Maybe you can help these folks out with a few suggestions? Or post some of
your own questions. LOG-IN TO POST Here’s the link: href=” “> Forum

Questions Needing Answers at The Forum:

1. Does anyone know of a recipe/alternative for a daily shower spray — the
kind that you just spray on the walls & door after each shower?  i’ve tried
the commercial ones and they are so expensive to use everyday. not to
mention they make my throat feel scratchy, and i haven’t really noticed the
shower staying clean.  that soap scum is so stubborn & i hate to use harsh
bleachy stuff on it.  thanks for any ideas!! – jill

2. Does anyone have any ideas on how to get rid ofscorpions?  I sealed every
entrance I can find and they still keep getting in.    I no longer walk
barefoot in my house.  I’ve been stung once already by a scorpion when I was
walking in a room that was semi-lit. I’d sure appreciate some ideas.

3. I have got a hill full of bamboo.  We had it chopped down last year and
treated it with ammonia but it grew back faster than before.  The whole
issue was very expensive and now the city wants us to cut it down again.  I
am wondering if anybody  knows of a way to kill the bamboo.  I tried putting
plastic over it after it was cut but it grows through.  So any advice you
could give us would be great as we can’t afford to have the bamboo trimmed
again….. Thanks  

4. A long time ago, one of my fingernails was bent backwards.  Now a fungus
has grown underneath the nail.  It has also gotten in a couple other nails.
I have taken one drug “Sprorax” or something like that.  I would really like
a natural way to get rid of this.  PLEASE HELP!!!

5. I have two cats, Gilbert (2 yrs) and Jakob (6-9 months). They are usually
really nice to each other. However, recently when I have gone into my
monthly cycle they have begun to fight each other. They are not neutered
yet and I was wondering if their fighting could be connected to my cycle.
Also they have begun to defecate under the kitchen table. There has been no
change in the litter brand that I use.   Please help. Thank you.



Have you noticed how popular bath and pampering products have become? The
HomeSpa Party Plan taps into that craze. Guests at HomeSpa parties will
learn how to make bath salts, personalized perfumes, body spritzers and more
using essential oils, while you make a nice income from Nature’s Sunshine. href=” “> Home Spa Party


If you’ve been a natural health nut, you have a lot of information others
need to have. Earn an income selling over 600 natural health products, skin
care, water filters, beverages, essential oils, and more. Earn trips and
car allowance. Websites are also available for $15.95/month. href=” “> Nature’s Sunshine


If you have pets, they’ll love Flint River and you can make an income
providing good pet foods and other pet products to friends, neighbors and
your family. Pets keep eating, so customers keep buying. If you love
animals, this is a very rewarding home-based business. With only 100 volume
a month you can earn 19% on all sales. href=” “> Flint River Ranch


Life’s Abundance has great products by Dr. Jane Bicks and Dr. Barry Sears who
developed the Zone Diet for Overweight Dogs. Besides dog, cat and horse
products, you will have a non-toxic line of cleaning products – safe for
pets and children. Visit this website for more information. This type of
site is also available for $10.95/month (plus an initial $20 set-up fee).


Information in The Frugal Life News (TFL) has been derived from sources
believed accurate and reliable. In no event shall *The Frugal Life,* Randal
Watkins, or the TFL staff be liable for any damages whatsoever resulting
from any action arising in connection with the use of information herein.

TFL does not knowingly accept ads from advertisers deemed detrimental to
TFL’s readers, however, publication of an ad in TFL does not constitute an
endorsement for such product or service.

There is no remuneration for suggestions, tips, or ideas submitted by
readers. All suggestions, tips, and ideas, submitted for publication in The
Frugal Life, become the property of The Frugal Life, notwithstanding similar
rights of the reader submitting such suggestions, tips, or ideas. TFL
publishes readers’ names with their suggestions, tips, and ideas unless a
reader requests otherwise at the time of the submission.

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