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Published Weekly by Randal Watkins
The Frugal Life
September 12, 2003

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Hello Everyone,

Sorry this issue is late. We have been out of town to our Nature’s Sunshine
annual convention in San Francisco. When we got back into town we found out
for 3-4 days any AOL subscriber wasn’t receiving emails from us. I found
this out because my son and Dad are on AOL and they weren’t receiving our
emails. I contacted AOL and they were very helpful and assured me that our
domain had not been blacklisted. They did tell me the problem was between
my ISP and AOL. They resolved the problem through the night so now I have
the go ahead to send out The Frugal Life News.

Also, remember our
house is available – see ad below.


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Thanks again for sharing and subscribing to The Frugal Life News.

Until next time,




To find extra money to accelerate debt payoff, increase your income,
decrease your expenses, or better yet, do both!

Rebates fall into the category of decreasing your expenses – at least for
purchases that actually provide value in addition to a rebate.

That is, if you are going to purchase the item anyway, rebates are a great
way to reduce – and sometimes practically eliminate – your cost.

“Free After Rebate!” advertising, especially for electronic gadgets, always
catches my eye. And I must confess, sometimes I have to stretch my
justification for making a purchase by rationalizing that, after the rebate,
it’s FREE!

Of course, if you’ve ever responded to a rebate opportunity, you know it’s
far from FREE.

First, it gets you into the store – already in a buying mood — where you
are exposed to all of the other non-rebate merchandise.

Second, if you manage to evade that trap, many states exact a sales tax– in
Texas sales taxes are 8.25%– so, it will cost you something. But, if you
think of it as a 91.75% discount, and you can really justify this purchase,
you still save money.

Third, you actually have to submit your rebate paperwork – receipts, proof
of purchase, rebate forms, DNA sample, etc., in an envelope postmarked by
the submission deadline.

Fourth, you have to wait for your rebate check to arrive, typically in 6 – 8
weeks, and be careful not to discard it as junk mail.

Although this can appear to be daunting, the amount of time that’s specific
to getting your rebate – step 3 — is pretty small. If it took you 15
minutes to do the paperwork for a $50 rebate, that’s $200/hour! Good work if
you can get it.

Thus far, I’ve discussed rebates that you find through responding to
advertising, which makes it more likely that you will buy on impulse rather
than need.

Suppose you were able to identify a need and then find a rebate… and you
could avoid going to the store… and maybe even sales taxes?

For example, suppose you need a new wireless adapter for your laptop
computer so that you can download your Frugal Life newsletter while sunning
on your patio.

Wouldn’t it be great to hunt for currently available rebates on wireless

Have I got just the website for you! Go to:
Rebate Place

You can Browse by manufacturer or product category to find a
product that interests you AND has a current rebate. You can also download
and study the rebate claims form BEFORE purchase to make sure you understand
all of the “gotchas.” makes it convenient to comparison shop among different
merchants to find the best overall deal – all from the comfort of your home.

After purchase and receipt of your product, the rebate application process
is identical to any other rebate application. And if you want to check on
the status of your rebate, makes this easy to do, too.

Plus, there’s no cost to use

So, you receive your wireless adapter, apply for the rebate, and 6-8 weeks
later your $50 check arrives in the mail.

What should you do with this check?

That’s right… make an extra principal payment on your #1 Priority debt!


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 and/or to find out why financial guru
and best-selling author, Suze Orman, is advising her millions of followers
to “Pay Everything Off as Fast As Possible!”, CLICK HERE:


Large seeds that can be handled easily can be tested for viability then carefully planted on as transplants.

Difficulty: N/A
Time Required: Usually a few days

Here’s How:

1. Select a plastic container with a tight-sealing lid. Any clean, empty
plastic container will do; I like to recycle those of cream cheese and
margarine, since they are easily nested for storage.
2. Place the inverted lid on the countertop. Cut a single paper towel
into 1-2 inch squares, and place the squares onto the lid allowing a tiny
bit of space between each.
3. Moisten each of the squares with a few drops of warm water. Place one
seed on each square.
4. Take the lower portion of the container (which will now become the
upper portion) and snap it down onto the inverted lid. This forms a
mini-greenhouse of sorts.

Click here for the rest of this article


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


by: Dr. Charlotte Gorman*

1. When considering buying a pair of shoes, ask yourself, “Do I really need
another pair of shoes?” For example, “Do I really need a new pair of black
shoes, since I already have four pairs of good, black shoes in the closet?”
Answering “no” to such questions could save you a sizable amount of money.

2. If possible, wait until needed shoes are on sale–preferably at 50 to 75
percent or more off. My favorite pair of high-heel shoes was regularly
priced at $56. I bought them on a closeout table for $3.00. Nearly all shoes
(men’s, women’s, and children’s) will eventually be put on sale. Rare should
be the case when you would need to pay full price for a pair of shoes.

3. If you really do need a pair of new shoes and you cannot find them on
sale, shop around for the best full price. For example, the price of an
identical style and brand of shoe can vary from store to store.

4. Check out the garage sales. Shoes, especially ones still in very good
condition, are usually rare, but not impossible to find, at garage sales. I
have purchased some in like-new condition, so be on the lookout. Spray the
insides of all secondhand shoes with a commercial fungicide to avoid the
chance of getting athlete’s foot.

For more great tips go here.

*Dr. Charlotte Gorman is an Extension Agent, Family & 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


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


A great way to save on vehicle purchases.


Every year thousands of vehicles, are essentially “given away.” They become
the property of Uncle Sam and banks through “seizure and surplus” laws.
Because of the constant influx of goods and the overwhelming expense to
store them, they must get rid of them fast. This could mean dirt-cheap
prices for you – not only on cars but other products too! Click here for details.


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:

Cleaning Forum
1. My daughter recently bought a shirt that is white, with burgundy
sleeves.  She hand-washed it in cold water, and hung it to dry (she
air-dries all of her shirts to keep them from shrinking). After it had
dried, we noticed that the burgundy had bled onto the white…not all over
the shirt, just where the burgundy sleeves meet the white part of the
shirts, at the arms and neck, where the trim on the shirt is also burgundy.
First, I tried a bleach stick (Clorox), that didn’t work, so I went out and
bought the RIT product to remove dye…however, I am afraid to use that as I
don’t want to remove the burgundy from the sleeves.   I also have OxyClean,
but have not tried that yet. My questions are:  how can I get the burgundy
off of the white without damaging the burgundy sleeves?  And, I’ve heard
that soaking clothes in a mixture of salt, vinegar and water will prevent
clothes from bleeding.  Does this really work?  My daughter also bought a
shirt that is white with dark blue sleeves, and we don’t want it to bleed
when we wash it.  Also, I picked up some Shout Color Catcher cloths.  Has
anyone used those, and do they work?   Any advice would be really helpful. I
would hate to have to replace the burgundy and white shirt, as it was
$21.00! Thanks in advance! Em

Family Forum
1. Toddler Bed Problems We recently bought a toddler bed for our 19 month
old daughter.  We weren’t planning on getting her one so early, but we moved
from Ohio to Washington State and her crib got broken.  It wasn’t safe to
use.  I thought instead of buying a crib that wouldn’t get much use, we’d
just get her the toddler bed.   Now the problem is that she will not stay in
bed.  We can go through the bedtime routine and tuck her in.  But, she’ll
wander back out after about 5 minutes.   We’ve tried putting a baby gate
across her bedroom door.  She’ll either just sit in there and play or stand
in the doorway and scream.  If we do manage to get her to sleep in her bed,
she’ll wait until the middle of the night and crawl in bed with hubby and
me.  That is a habit we don’t want her to get used to.   I’m at the point
where I’m ready to go buy another crib and let her use that for a couple
more months.  Do other toddlers have this problem?  Or is she just too
young?   Help?   Chrissey



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). href=””> Healthy Pet Net


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


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.