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THE FRUGAL LIFE NEWS
Published Weekly by Randal Watkins
https://www.thefrugallife.com
The Frugal Life
April 10, 2003

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A NOTE FROM RANDAL

Hi Everyone,

We have been busy with our different businesses. We now have 5 different
businesses. One that is very intriquing is the long distance business we
have been marketing. It’s a great way to be frugal on your long distance
and an excellent home business for stay at home moms, retired or semi
retired individuals or someone who wants to eventually leave their existing
job. We think this will be a good residual income builder. In fact, I get
lots of offers and I don’t take everything that comes our way. Hope you
will at least take a look at it.

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4.9¢ LONG DISTANCE WITHOUT MONTHLY FEES!
No contracts, no minimums, 6-second billing, low international rates
This is NOT computer-based long distance and no access numbers to call.
4.9¢ toll-free numbers available with no additional fees. Be an agent and
build an at-home residual income business. Check out the agent link:
http://www.lowermyphonebill.com/frugal/
4.9¢ Long Distance
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Thanks for all your postings on the bulletin board. The numbers of postings
and replys are continuing to grow and the numbers of registered members too.

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

Until next time,
Randal


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FRUGAL FINANCES

DON’T SNACK ON THE WITCHES’ HOUSE…


“Nibble, nibble, gnaw,
Who is nibbling at my little house?”

Hansel & Gretel, of Grimm Fairy Tale fame, have been caught snacking on the
witches’ house. She then proceeds to fatten them up in preparation for a
“kiddy” feast. This reminds me of the current rash of ZERO % debt card (AKA
Credit Card) related offers flooding mailboxes.

Debt Card companies are now offering ZERO % interest on purchases, balance
transfers, and even cash advances! Some are offering terms extending to
2004.

How can a bank borrow money at 3% and lend it to you at 0% for 15 months and
stay in business? Is someone planning a feast?

Read the fine print on your debt card agreement. Most will say that they can
change interest rates at any time for any reason: Late Payment… Over
Limit… Late Payment to an unrelated lender… Borrowing more money from a
different bank…

And BAM, ZERO % becomes 24.9%!

Or for no reason: They can just slip you a rate increase and hope you’re too
busy or can’t do the math well enough to notice.

Blame it on instant credit scoring. All of your credit transactions are
instantly visible to your creditor via credit scoring organizations,
providing whatever feeble excuse they require to ring the dinner bell.

Don’t snack on the witches’ house.. but, if you do, keep an eye out for the
witch.


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

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:


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FRUGAL HOME / GARDENING

LEARN TO RECOGNIZE INSECTS

Some of the insects featured eat other insects, which may be pest species,
and others are important pollinators of flowering plants. Also learn which
birds to attract to your habitat to control the insect populations.For more informaton go here:


GOT PETS?

Visit Healthy Pet Corner for lots of information, products,
and links for birds, cats, dogs, horses, rabbits, and reptiles.
http://www.healthypetcorner.com
All for Pets


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FRUGAL SIMPLICITY

AN EASIER WAY TO FIGHT FLEAS WITHOUT TOXIC SIDE EFFECTS

Some people with indoor/outdoor pets are noticing they don’t have flea
problems when they use a homemade carpet freshener with essential oils.
We’re becoming more aware of the hazards of chemicals, so many people are
turning to essential oils instead. What a delightful natural alternative to
toxic chemicals. You can choose your own aroma, but Lavender is known to
repel bugs. To make your own, begin with a box of borax (from the detergent
section of the store). Mix two cups of borax with 25 drops of a pure
essential oil. Make sure you crush the drops and distribute evenly. Use
some kind of a shaker bottle to apply to the carpets, let sit for at least
an hour and then vacuum. Find out the people benefits of Lavender Oil here:
http://www.theherbsplace.com/lavender.html href=” http://www.theherbsplace.com/lavender.html “> Lavender Oil

If you’d like something uplifting and cheery, try Lemon Essential Oil:
http://www.theherbsplace.com/lemonoil.html href=” http://www.theherbsplace.com/lemonoil.html “> Lemon Oil

You may have seen flea products to be applied directly to an animal that
contain orange oil. These are toxic to animals when applied to their skin,
so be careful with essential oils. They are concentrated if they are pure.

Go natural and have fun with it! There are kits available if you’d like to
try various essential oil recipes for you home. Find out more here:
http://www.theherbsplace.com/essentialkits.html href=” http://www.theherbsplace.com/essentialkits.html “> Essential Oil Kits


Concerned about heartworms? Get more info on that here:
http://www.theherbsplace.com/heartworm.html
Heartworms?


MAKE YOUR OWN CLEANING, BATH, and BEAUTY PRODUCTS

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.
http://www.theherbsplace.com/essentialstarter.html
Make Your Own


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FRUGAL TIPS FROM OUR SUBSCRIBERS

TIPS ON REUSING POLYSTYRENE

Reader feedback: Here are some additional tips regarding polystyrene reuse
and recycling that were submitted by readers in response to San Diego-based
Charles T. Hardman’s recent Question of the Week. 1) Consider asking your
vendors to package their shipments with biodegradable cornstarch peanuts. 2)
Check with local nurseries and landscaping companies to see if they can use
the polystyrene. Peanuts are sometimes used in the bottoms of pots to
encourage water drainage, and composted sawdust, dirt and styrofoam ground
together can be used as potting soil. 3) The California Materials Exchange
site lets organizations and businesses post information about used materials they have available or need. (A current listing on the site is from a small business that wants used packaging materials.) Information on other waste exchanges can be found here:


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WHAT’S GOING ON IN THE FORUM?

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:
https://www.thefrugallife.com/bulletinboard.html href=” https://www.thefrugallife.com/bulletinboard.html “> Forum

Questions Needing Answers at The Forum:

1. Cleaning Forum – I recently washed my husbands favorite shirts with a red
cotton sweater.  Needless to say everything has turned pink and red.  I
haven’t dried these clothes yet, they are still soaking in plain water in my
washer.  I really need to know how to get the red dye out of these clothes
or I might be on my way to divorce court.  Can anyone help me

2. Do It Yourself Forum – I am about ready to paint the 1950’s pink ceramic
tile in a small bathroom. I don’t mind the pink, but the tile is very worn
and the grout is very stained (I’ve tried everything to clean and shine to
no avail.) As I don’t have the patience to re-grout nor the funds to
re-tile, this is the best option for now. Any words of wisdom?

3. Pets Forum – We just bought two six week old toy poodles. I am wondering
what the best way to train them not to use the bathroom in the house. We’ve
been pretty lucky so far, but I would like to know how to get them to go to
the door when they have to go out. I am scared I won’t be able to train them
and then all of the carpets will be ruined. What is the best way?

4. Recipes Forum – Does anyone have a recipe for Texas Tuna?  Back in
Central Pennsyvania. I shopped at Giant grocery stores.  They made a version
of that Tuna.  If anyone goes in there could you please write down the
ingredients off of a package and post it here.  It would be in a plastic
container in the fresh food section.  Ask a manager to show you some if you
can’t find it.  Thanks.

Editor’s Note: I know the the recipe request is a repeat from last issue..
However, there has been no replies and I am sure the poster would like to
get some replies. If you can help out please do!


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HOME-BASED BUSINESS IDEAS

HOME SPA PARTY PLAN – MAKE BATH & BODY PRODUCTS

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.
http://www.theherbsplace.com/essentialspa.html href=” http://www.theherbsplace.com/essentialspa.html “> Home Spa Party

ARE YOU A NATURAL HEALTH NUT?

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.
http://www.theherbsplace.com/busop.html href=” http://www.theherbsplace.com/busop.html “> Nature’s Sunshine

FLINT RIVER RANCH OVEN-BAKED PET FOODS

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.
http://www.healthypetcorner.com/FRR/busop.html href=” http://www.healthypetcorner.com/FRR/busop.html “> Flint River Ranch

NATURAL PET FOODS AND SUPPLEMENTS

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).
http://www.healthypetcorner.com/HPN/busopform.html href=” http://www.healthypetcorner.com/HPN/busopform.html “> Life’s Abundance


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LEGAL DISCLAIMER

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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