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The Frugal Life – Living Well With What You Have


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s ******************** The Frugal Life News August 26, 2004 Edition ****************** A Note From Randal ****************** Hello Everyone, We have included an article on “Getting Out of Debt” from one of my favorite teachers, Larry Burkett. Larry has gone on to be with the Lord but his teachings are forever helpful. I hope you will take some time to read or refer this information to someone it might be able to help. I can remember when were in debt and behind in payments. That was a long time ago but the memories are still vivid enough for us to stay debt free. Larry helped us with that road map out of debt and into debt free living. We appreciate your continued interest in our Forums and websites. Until next time, Randal ********************************* Frugal Finances – ********************************* Getting Out of Debt We have so much debt in this country that the average American has been described as someone driving on a bond-financed highway, in a bank-financed car, fueled by charge-card-financed gasoline, going to purchase furniture on the installment plan to put in his savings-and-loan-financed home. During the last 50 years nothing in the area of finances has dominated or influenced the direction of our society as much as debt. It’s amazing when you consider that only a generation ago credit cards were unknown, car loans were a rarity, and mortgages were for GI’s who were getting starter homes. Today it is not unusual for a young couple to owe-with home mortgages, school loans, and car loans-$100,000 or more within the first couple of years of marriage. Although this has become the norm in our society, it is not the norm according to God’s principles of finance. According to God’s Word (see Deuteronomy 15:6; Psalm 37:21; Romans 13:8), debt is not normal, and long-term debt is especially abnormal. What can people do who are already in debt? What can they do to break the debt cycle? Becoming Debt Free With the desire, discipline, and time anyone can become debt free and stay that way. The following are five basic steps to debt elimination: (1) Transfer ownership of every possession to God; (2) Give the Lord His part first-the tithe on gross income; (3) Allow no more debt (no bank or family loans and cut up the credit cards); (4) Develop a realistic balanced budget that will allow every creditor to receive as much as possible; and (5) Start retiring the debt. Generally speaking, if these steps are faithfully followed, the average family can usually be debt free in about five years. Transfer ownership The first step to debt freedom is to pray and ask for the Lord’s help and guidance. Then in prayer, transfer ownership of each and every possession to God. That means money, job, time, material possessions, family, education, and earning potential for the future. This is a mandatory first step (Psalm 8:6). If people believe that they are owners of even one possession, For the rest of the article go here: Editor’s Note – This article was written by the late Larry Burkett. Larry’s materials have helped Donna and I to remain debt free and live a frugal lifestyle. Hope you enjoy the articles as we have. *************************** Pay off all of your debt in 5-7 years using the money you already make. 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!” ***************************************** Frugal Health ****************************************** Green Tea Helps Kill Leukemia Cells Mayo Clinic researchers have discovered that a component in green tea helps kill cells of the most common leukemia in the United States. The research using laboratory cell cultures shows that a component of green tea known as epigallocatechin-3-gallate (EGCG) helps kill leukemia cells by interrupting the communication signals they need to survive. The findings are reported in an early electronic article in the journal Blood. Read the entire story here: If you don’t like to drink green tea, you can take it in capsule form. Nature’s Sunshine’s Green Tea Extract in capsules gives you 400 mg. green tea extract standardized to contain the necessary phytonutrients. Three capsules are equal to 10 cups of regular green tea. Read more and/or buy green tea capsules here: ******************************************** Frugal How-To ******************************************** Make Your Own Home And Beauty Products Bath, Beauty, Perfumes, Cleaning and Air Freshener/Deodorizer Essential oil kits allow you to make your own safe non-chemical home and beauty products. You’ll save a lot and feel better about making your home less toxic for yourself, children and pets. The Starter Pack has a Recipe Guide with tons of ideas. Make Your Own Home and Beauty Products ****************** Frugal Decorating ****************** Deodorize While You Kill Bacteria and Viruses Essential oils will make your home smell wonderful without the dangerous air freshner chemicals that have been in the news. The big bonus is that you also get the anti-microbial properties of essential plant oils so you can kill germs throughout your home without bleach and toxic cleaning products. The AromaBall is a handy plug-in appliance with a ceramic plate that holds a small pad on which you add essential oils. Easy-to-use as a night light. Get more info and/or purchase here: AromaBall for Deodorizer and Anti-Microbial Home Defense *********** Frugal Pets *********** Herbal Heartworm Program and Prevention Robin Sockness works with pet owners with an individualized program and has currently worked with over 300 dogs. Herbs are safer and less expensive so it’s a win-win situation for all. Prevention programs are available also. Read more about it here: Herbal Heartworm Program & Prevention Free Information, Free Ecards, and Pet Foods Too! Healthy Pet Corner provides lots of information and links for birds, cats, dogs, horses, rabbits, and reptiles. Healthy Pet Corner – Your Pet Portal ***************************************************** Frugal Tips From Our Subscribers – ***************************************************** Do You Wash Your Produce? Despite the attention given to mad cow disease, contaminated produce was responsible for the greatest number of food-borne illnesses from 1990 to 2003. About 76 million people a year become sick from food, including more than 325,000 who are hospitalized and 5,000 who die, according to government data. Many of the illnesses can be traced to fresh produce contaminated with pathogens such as salmonella, E. coli and shigella. Fruits and vegetables can be contaminated by bacteria while they grow in the fields or are handled by workers during production, packing or preparation. If water isn’t good enough for your hands, why is it good enough for your food? We use Sunshine Concentrate to soak our fruits and veggies in and it does a great job. It’s easy to tell because you can see what the water looks like after you take the food out. You can also see the real color of the fruit. I thought red grapes always looked gray but they are actually red when you soak them 20 minutes in Sunshine Concentrate. Read more about this wonderful product: Do You Wash Your Produce **************************** 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: Forum Questions Needing Answers At The Forum Critters Forum 1. I have a male cat (Cho) who is about 3 years old recently I’ve found that he has started to sleep in his LitterMaid, and it isnt always totally clean! He sleeps durring the day on the couch like normal but now does this after we go to bed. I have two other cats one is a new addition (Screamer) but she never leaves our bed at night so I dont think Cho is afraid of her. The only other recent change is I have started to let Cho outside when he wants, he still is scared of the outdoors a litle so he doesnt go out much. What could be wrong, could he have posibly fell in love with the feeling of dirt but to afraid to go out? Do It Yourself Forum 1. I just rented an apartment where the tenant before me had stuck those tacky self stick tile mirrors all over the place, some in very odd spots. They are starting to get that black ugly edge around them that just does not work with my decor, or anyone else’s I don’t imagine. My dilemma is removing them without tearing a hole in the drywall. Does anybody have any suggestions on how to get these awful things off my walls without being charged a repair fee by my landlady? Pets Forum 1. I bought a little Pom 4 years ago.. she’s about 5 or 6 pounds.. she’s so wonderful I wanted another one.. so went back to the same place to buy another… I did not see the parents.. but was told they were 5 and 7 pounds.. then she started growing.. now she’s finished.. at 9 months.. but she must be at least 12 or 13 pounds… has anyone seen a pom this big.. she sure does look pure bred and has papers… she’s just BIG ************************* Home Based Business Ideas ************************* Home Spa Party Plan – Make Bath and 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. Home Spa Party 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. Websites are not yet available. Flint River Ranch Nature’s Sunshine Products – Herbs and Supplements If you’ve been a natural health nut, you have a lot of information to share. Earn an income selling over 500 natural health products, beverages, essential oils, skin care systems, water filters, and more. Websites are also available for $15.95/month (plus an initial $19.95 set-up fee). Nature’s Sunshine Products Life’s Abundance Foods and Supplements Life’s Abundance products by Dr. Jane Bicks and Dr. Barry Sears who developed the Zone Diet for Overweight Dogs. Besides dog, cat and horse products, they have a non-toxic line of cleaning products – safe for pets and children. Websites available for $10.95/month (plus an initial $20 set-up fee). Healthy Pet Net *************** 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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