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The Frugal Life – Living Well With What You Have


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s ******************** The Frugal Life News February 25, 2006 Edition The Frugal Life ******************** Do Not Reply to this email! It will go to a dead letter bin. Email me here: ed********@th***********.com Contact the Editor Manage Your Subscription at the bottom of this email. ****************** A Note From Randal ****************** Hello Everyone, Some of you have subscribed recently and this is your first issue. Welcome to The Frugal Life News. Sure seems like forever since I have gotten to email you! Our mailing list had problems when our server crashed and all has had to be restored which meant we have been adding back one newsletter at a time to get everything back in order. How touching the many emails were that you sent asking where your newsletter is and how to receive it and telling me you missed it. How encouraging! :-) We are using a different “from” address so I am hoping this will get through to all of you so you can change your ‘whitelist’ to keep this out of your Junk Mail folder. The forum has more questions than I could post so I will continue to work myself down the list and include the other unanswered questions in the next issues. Hope you enjoy this issue. We appreciate you sharing this newsletter and the website. Frugally yours, Randal ************ Frugal Finances ************ Keep The Change… Do you have a change jar at home? You know, someplace you toss loose change from cash transactions until you have enough to take to your bank? A change jar is a pretty good tool to use to create money to help pay off debts… or finance modest celebrations. Wouldn’t it be great if you could earn a little interest on your change before you take it to your bank? Wouldn’t it be even better if the “change jar fairy” visited every so often and kicked in a few cents, too? Well… it looks like the good people at Bank of America have been reading your mind. Their new service, called, Keep the Change, allows customers to round up their debit card purchases to the nearest dollar and put the change in an interest bearing savings account. For example, use your Bank of America debit card to purchase an item costing $3.25 and the total cost is rounded up to $4.00. Seventy-five cents is automatically transferred to your interest bearing savings account at the end of the day. Now for the “change jar fairy” part… Bank of America will MATCH 100% of your Keep the Change transfers for the first 3 months. After that the bank will contribute 5% a year up to a maximum match of $250. Critics of this plan say Bank of America is just increasing debit card usage and associated fees they receive from merchants, who in turn will raise prices everyone pays. I say using a debit card keeps you out of debt, and if a bank wants to help keep you out of debt by giving you money you can use to pay off debt, I’m not going to argue. ———————- ‘It has been a struggle, but we knew we couldn’t continue the way we were living. It was awful. What a victory and sense of accomplishment my husband and I feel. We are living on about 30 percent of our previous income, but we feel richer than ever. Thank you for your support and encouragement.’ — Karen and Don 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 How-To Clean Stainless Steel Appliances **************************************** 1. An easy, cheap and great stainless steel appliance (i.e. sinks, stove tops, rangehoods etc) and I guess other things too polish is simple glass cleaner (like windex etc). Simply spray it on and then buff/ wipe off with a clean cloth (you may need to rub a little for tough marks, then simply rinse if you wish and buff again (if you wish to rid yourself of the smell or any residue chemicals), my sink came up looking like new Sharon Make Your Own Home, Bath and Beauty Products Essential oil kits allow you to make your own safe non-chemical home and beauty products. Making your home less toxic for yourself, children and pets. Make Your Own Home and Beauty Products ****************** Frugal Wisdom ****************** Elderly Wisdom – Get It or Share It Ever wish you had access to the wisdom of those who have weathered the storms of life? You do! Online at Elder Wisdom Circle. The Circle of Elders is a nationwide network of volunteer Seniors between 60 – 97 years young. Elders participate individually from their home computers or collectively at a senior community representing a richly diverse patchwork of life experience and wisdom. The site offers a free service providing practical advice and guidance. Think of them as grandparents to the cyber-world. They offer help with most any problem providing a personalized reply to each request. Totally confidential and easy to use. Not only is this of benefit to the younger generations, but it provides an outlet and purpose for the lives of those who may not have anybody locally that cares about the wisdom they’ve gained from experience. Enjoying a purpose = better mental and physical health, so if you know of somebody that might fit a need on either side of the fence … forward this to them and let them get answers or provide them for others *********** Frugal Pets *********** Herbal Heartworm Program and Prevention Robin Sockness works with pet owners with an individualized program and has currently worked with over 700 dogs. Herbs are safer and less expensive so it’s a win-win situation for all. Prevention programs available. Herbal Heartworm Program & Prevention Pet Information, Links and Natural Foods Healthy Pet Corner provides lots of information and links for dogs, cats, birds, horses, rabbits, and reptiles. Healthy Pet Corner ************ Frugal Tips ************ Tar on your jeans? Pour vinegar on the spot before washing and the stain will be removed. Nail polish will go on smoother and stay longer if you clean your finger nails with white vinegar before applying the polish. ************** Frugal Learning ************** Singing Success At-Home Study Course The Singing Success Vocal Training Program, by celebrity vocal coach Brett Manning, is the only vocal training program that guarantees a full octave increase in your vocal range! You’ll learn to sing as easily as you speak, completely eliminating vocal strain, and you will learn to master the techniques of vocal style, including runs, licks and trills. Money-back Guarantee: **************************** 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 Cooking Forum Q. Hi. I’m new to this site. I was curious if anyone has any ideas on how to save and reuse taco salad dip. I have beans and taco meat combined. Can that be frozen? What would you reuse it for? Thanks, Jennifer Critters Forum Q. I recently moved to the Bahamas from San Diego. There is a different ant here, very very small,less than a 1/4 of the size of a sugar ant. They move very fast, nowhere in particular, but as usual they love food on the counters and seem to hang out in the bathroom. There is no way of telling how they are getting in since they are microscopic little things. There is no lineup of them travelling in the house or anything…they just appear! Has anyone else heard of these or have any solutions on how to get rid of them. I have pets so anything that is harmful to pets is a no go. Q. I’ve been having a problem with some black widow spiders. They’re on my stairs and I literally run up my stairs and run down in fear of being bitten. I killed one once and I thought that was the end of that, but then I spotted another one on my stairs. Does anybody know an effective and cheap way on how to kill these venemous black widows? It’s a good think they’re usually shy and run away from me when they hear me running down/up the stairs. However, I still I don’t want to get too close to them. I think there are only a few spiders… I’m not sure if there are any spider babies or egg sacs. Do-It-Yourself Forum Q. I am into refinishing furniture and have done several pieces, I’ve run into a problem with my next project. Lead based paint is on one of the paint layers. Does anyone have any suggestions on how best to strip it? I’d rather not take it somewhere to be done, mostly because I’m afraid of the cost and I would like to keep it as a project for me to do in my free time. ************************* Home Based Business Ideas ************************* Nature’s Sunshine Products – Herbs and Supplements Earn an income selling over 500 natural health products, beverages, essential oils, skin care systems, water filters, and more. Websites for $11.95/month. Nature’s Sunshine Products 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 learn how to make bath salts, personalized perfumes, body spritzers and more using essential oils, while you make a nice income. Home Spa Party Flint River Ranch – Oven Baked Pet Foods Make additional income providing healthy pet foods and bones to friends, neighbors and family. Pets keep eating, so customers keep buying. If you love animals, this is a very rewarding home-based business. With only $100.00 volume a month you earn 19% on all sales. Flint River Ranch Life’s Abundance Foods and Supplements Formulated 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 $8.50/month. Healthy Pet Net ***************************************************** If you enjoyed what you read today, please forward this newsletter to your friends! ************************************ Copyright, Legal Disclaimer and Reprint Information 2006 Randal J. Watkins 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. Forwarding and Use of This Newsletter You may forward or use this copyrighted newsletter on a website if you include the following credit: Editor, Randal J. Watkins, of, provides this free newsletter to subscribers. The Frugal Life is sponsored by which provides quality Nature’s Sunshine Products at wholesale prices. Visit now to shop or view the list of free newsletters available. The Herbs Place

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