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The Frugal Life – Living Well With What You Have



Archived Message of “The Frugal Life News”
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While you’re cleaning out the garage, the attic and those
closets, don’t forget to clean YOU out! :-) We take in toxins
daily and regular cleansing is a tradition of many cultures
that promotes better health. Read what cleansing can do
for various health problems and why it’s important to cleanse.

Published Twice Monthly by Randal Watkins
The Frugal Life
February 26, 2004

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Hello Everyone,

Sorry, we weren’t able to send out the 02/10 th issue. A few days before, our newsletter program sent out to another list 5 copies of the same ezine. As a result of this, I quit sending out anymore until I could get a new program. This wasn’t the first time we had problems so I changed to a new program. It took quite a bit of time to find a program and get it implemented on our site.

Charlotte Gorman, has once again given us a great deal on her book that we need to consider. Checkout the Frugal Home section below for more details.

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

Until next time,



Finally and Financially FREE!

Have you been wondering what to do once the embers from your mortgage burning party have turned to ashes? I know some of you have because I’ve been receiving emails…

“Uhhh… Greg. This has been enlightening and all. Loved the DebtIntoWealth process. Paid off a ton of debt. Feeling good about tomorrow. My psoriasis has cleared up. My spouse thinks I’m beautiful… but hey, dude, now that I’m Debt Free, what do I do next?”

As you may have guessed, I’ve been thinking about this for a while. The next step is a tough assignment.

I want you to become Finally and Financially Free!

Unfortunately this means different things to different people. Debt Free was easy, by comparison. When your balances reached $ZERO, you were done. This clear and unambiguous definition kept you headed in the right direction.

And now you have money, and there are lots of people who want to help you make it grow into some enormous pile to satisfy your every whim.

And that’s the problem.

“Enormous pile”, “big bucket”, “as much as possible”, all share the same fault – ambiguity.

How do you know when you are done?

Even if you put some large dollar value on it, like 1 Million Dollars, is this in cash? Stocks? Real Estate? Bonds? Taxable Investments? IRA? Insurance? Business? Tax Lien Certificates? Commodities? Gold? Oil? Inflation adjusted? Inflation protected?

And how would you know if 1 Million Dollars is enough?

This problem is compounded by your current requirement to work for a living… at a job unrelated to making money grow.

If you’ve made it to Debt Freedom, you are clearly an expert at, minimally, two things…

One: Earning Money
Two: Paying Off Debt

You may have expertise in stock trading or currency hedging, but you’re the exception. The rest of us are experts at earning money and paying off debt.

Ideally, a system for achieving Financial Freedom would build on our expertise and limit the amount of new stuff we have to learn. After all, we’re already pretty busy earning money and tending to family.

So, the question becomes, can we use the skills of Earning Money and Paying Off Debt to create wealth and financial freedom?

The answer is, “Yes!” And to prove it, compute your current Wealth. Use this formula:

Wealth = Total Assets – Total Liabilities

Here’s a hint: The Total Liabilities number is the sum of all of your debt.

Total Assets is the value of everything you own.

You created Wealth every time you used your cash to reduce your Total Liabilities.

Now, since you are Debt Free, or soon will be, your next objective is to set aside a comfortable number of months of living expenses in case you lose your job: Your Rainy Day Fund.

Remember, this is no longer $20,000 or more. Everything is paid off, right? So, living expenses are probably close to half of the amount of your living expenses when you were making debt payments.

The median time for an individual to find a job these days is between 10 and 12 weeks. So, doubling this number to 20 – 24 weeks, or about 6 months seems reasonable.

We’ll talk more about what to do after you have created your Rainy Day Fund later. In the meantime, finish paying everything off and get started building your Rainy Day Fund.

Greg Moore is the author of the Debt Freedom Course,
“DebtIntoWealth — Lessons from My Journey to Debt Freedom”.

To discover why:

“Americans are carrying more debt than ever before and are
behind payments in record numbers…” — New York Post

and how to get out of this trap, click here:


by Dr. Charlotte Gorman*

As gasoline prices continue to escalate, many people are looking for ways to reduce the burden of higher prices while still doing the driving necessary to their work and other activities. Below are some suggestions which will save you a considerable amount of money on gasoline. The suggestions are excerpts from my book The Frugal Mind: 1,483 Money Saving Tips for Surviving the New Millennium.


For a limited time Nottingham Books is offering copies of The Frugal Mind to subscribers of The Frugal Life Newsletter at a 50% discount or $10.00 per book. Nottingham Books will cover the costs of packaging and shipping. See for an order blank. Disregard the prices listed on the order blank and mark in $10.00 as the total price per book. Send check made out to Nottingham Books with order.

Ways to Save

1. Ask yourself every time you plan to use your car, truck, SUV, or van, “Is this trip really necessary?” Every mile you drive your vehicle will cost you at least an average of 36 cents. If the trip is not necessary, think twice before using your vehicle.

2. Drive at a conservative speed on the highway. According to the U.S. Department of Energy, most automobiles get about 20 percent more miles per gallon on the highway at 55 miles per hour than they do at 70 miles per hour.

3. Consider purchasing an automobile which gets the best gas mileage. For example, generally, the following get better gas mileage: lighter weight vehicles, vehicles with smaller engines, vehicles with manual transmissions, those with four cylinders, and those with fewer accessories. Check the “fuel economy” labels attached to the windows of new automobiles to find the average estimated miles per gallon for given makes and models.

4. Decrease the number of short trips you make. Short trips drastically reduce gas mileage. If an automobile gets 20 miles per gallon in general, it may get only 4 miles per gallon on a short trip of 5 miles or less. The U. S. Department of Energy says that trips of 5 miles or less make up 15 percent of all miles driven each year, but these trips burn 30 percent of the gasoline.

For more great ideas go here:
How To Save On Gasoline

*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 ca******@di*****.net


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


February 2004 Column

Romantic Bedroom on a Budget
By Kathleen Wilson

Every year Valentine’s Day reminds us to take a little time to nurture the romance in our lives. Don’t confine the romance in your life to just that one day, however! This can prove to be a daunting task if you’re on a tight budget. Never fear, here are some great ways to punch up the sizzle in your bedroom (ok, I am just talking decorating here, folks!) without leaving your bank account fried!

1.Paint your room a rich, luxurious color to comfort and calm. A $10 can of paint can go far to upping the cozy factor in your bedroom! Hint: DON’T do this the day before Valentine’s or the smell will send any romance in the room right out the window!

2.Purchase several yards of a gauze or net fabric from your local fabric store, and make your own romantic canopy. Screw eye hooks into the ceiling at each corner of the bed, and draw the fabric through so that it drapes near the ground, overhead, then down again. Repeat on both sides of the bed. The same romance as a four poster, for just a few dollars!

3.Bring scent into your room with potpourri, incense, or candles. Try to pick a scent your spouse will enjoy also. Sandalwood, patchouli, and woody scents are all compatible for both sexes.

4.Add a few drops of your favorite perfume to your linens before making the bed a sensual reminder of who inhabits it! (Remember, just a few drops, don’t overdo

5.Move things around! Just a new view on the room can give you both the feeling you are on vacation in some fabulous hotel – if only for a little while!

Remember, you spend a large amount of time in your bedroom, take a little time to create a haven for you and the one you love using “Creativity, Not Cash”! TM

Kathleen Wilson is an author and national columnist for
Country Woman Magazine. She is also the editor of The
Budget Decorator; a free online ezine and newsletter
full of free ideas, projects, and inspiration. You can
get more free ideas and info on her workshops here


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



if you run out of muffin cup papers, cut a piece of parchment paper in a circle and use that it works very well. by Footsu

FYI:  J.T.P.A. (Job Training Partnership Act) is available in some states for vocational training, especially if you have been laid off.  I participated in this program to become an LPN in one year.  All tuition, books, etc. were paid; AND I was able to collect my unemployment benefits while in school.  Applications were taken at the state unemployment office. I think this program is also available to “displaced homemakers”.


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. I have a friend who’s husband has tossed coins into a big jug for years and the jug got water in it and the coins are now corroded.  They can’t roll them that way, so she asked me to post a question to find out ways to clean them.  If anybody has a way to do this, please let me know!  Thanks so much! refuge821

2. What is the best way to clean out my automatic drip coffee maker? John

Do It Yourself Forum
1. I have two holes in my wall, in the sheep rock, one about 2 inches across and the other just a little bigger.  I want to repair these as easily and cheap as possible. Don

Finance Forum
1. Do you think we are going into a depression?  I am not a doom and gloom person , but it seems that every time I get a utility bill it keeps increasing, groceries are increasing.  The only good thing around my area is that we have several major grocery stores and they are in competion with one another so we do get good deals there.  Interest rates on savings are terrible.  It seems that the more I try to save the more the government takes or the utilities.  Try to keep my spirits up, but at times when I get my check about 1/2 of it goes on bills.  When I compare my bills to last year it makes me sick.  What gets me really mad is when companies frome the US are resourcing their jobs to other countries because they can pay people cheaper outside of the US.  Well if that is the case why aren’t their products cheaper?  I just feel so sorry for the people who have dedicated their whole life to that company and bingo we no longer need you.  What does everyone else think?  Have a great day! Renee

2. From my understanding, a “vacation” home can be claimed as a deduction on your Federal Taxes and it doesn’t have to be a “home”.  It can be a camp, camper, lot used to vaction, etc.  It can also be “rented” at least 15 days out of the year, and used for personal use at least 1 day out of the year, to claim other deductions, maintenance & depreciations.  Any one have anymore info on this? Might be worth looking into to save some big bucks next year for “frugals” like myself.  Mc39576



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=””> Life’s Abundance


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.

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