Some of you may have noticed references to the Wall Street Journal in a few of my recent posts. This is because I began receiving a print subscription of the Wall Street Journal a few weeks ago – for free. I am a member of the e-Rewards program, which offers rewards currency in exchange for completing market research surveys.

I have joined many survey programs before, but this is the only program that I have found to be reliable. With consumer surveys for market research, there is often a pre-screening survey that you have to fill out to see if you qualify. Some of these pre-qualification surveys take about 10 minutes to complete, after which you find that you are not eligible. With e-Rewards, they give you a small reward – $0.50 in rewards currency – even if you don’t qualify. It’s not much, but it’s better than nothing. And it adds up fast.

e-Rewards currency can be redeemed for a number of rewards such as magazine subscriptions (subjects range from fashion, to fitness, to business, etc.), Blockbuster video rental coupons, Borders Bucks, ariline miles, hotel points, coupons for dining and luxury merchandise stores, and more. Click here to see a full list of rewards.

Unlike other survey programs that try to enroll as many members as possible with referral programs, e-Rewards is a little more exclusive. In order to join, you need to be invited – often by a company that has hired e-Rewards to conduct market research surveys.

However, you can email them through their Member Services page to request an invitation to join the program (click on the last selection “Invitation Request” under “Subject”).

I’m not promising that you will receive an invitation; I’m not 100% sure how it works. I was invited through a Borders monthly newsletter. But it’s certainly worth a try.

My subscription to the Wall Street Joural is a free 6-month daily print subscription ($40 value) delivered to me via USPS (we live in a remote area) six days a week. This reward has no limition on redemptions so I can continue to renew my subscription through my e-rewards.

I spent weeks trying to decide on my rewards – I was divided between fashion, home decoration and business magazines, but finally settled on the Wall Street Journal because I figured it would give me some good blogging ideas. And it has. I just haven’t had the time to blog about it all. But it’s still very educational, covering a broad range of topics, and helps keep me abreast of what is going on with the economy, finance and business world, which at this time is really important.

The only problem is with the paper delivered 6 days a week, they’re piling up faster than I can read or blog about them.

Related posts:

• Friday Fun: Calvin and Hobbes Lemonade Stand Economics Lesson & WSJ Giveaway Reminder
• Interesting Reads From Fellow Personal Finance Bloggers #14
• Free Printable Templates: Mini Wall Street Journal Carrier Gift Bags
• 2009 Financial Resolutions Blog Contest: Win a Free 6-Month Subscription to the Wall Street Journal
• Wall Street Journal Giveaway Winner and Carnivals of the Week

Originally posted 2008-07-30 06:00:32.

The 2009 Entertainment Book – Great Savings on Dining, Shopping, Travel, Attractions, Movie Tickets & More!

I don’t often blog about sales, but this is one I couldn’t let slip by because it is such a good deal. My parents used to buy the Entertainment Book every year when I was a kid living in Hawaii, and I used to love this book. I remember afternoons lying on my stomach on the living room floor browsing this book for coupons for my favorite restaurants and attractions, namely McDonald’s and movie tickets. My bargain hunting days go way back.

Just using a few of the coupons pays back the cost of the book, which is currently on sale at 50% off and shipping is very reasonable at $2.79 per book.

The Entertainment Book, for those who aren’t familiar with it, is a book loaded with coupons for all sorts of local businesses and products in your area. The coupons and deals include savings for every day things as well as special occasions and outings:

• Groceries
• Dry Cleaning
• Auto Care & Repair
• Portrait Studios (JC Penny, Target, etc.)
• Fine Dinging (Ethnic and nice restaurants)
• Casual Dining (Tony Roma’s, IHOP, Pizza, etc.)
• Fast Food (McDonald’s, Subway, Domino’s, Wendy’s, Del Taco, etc.)
• Movie Tickets
• Museums
• Recreation (Golf, Mini Golf, Family Fun Centers, etc.)
• Sporting Events
• Attractions
• Travel (Car Rental, Hotels & Airline)
• and many more.

Entertainment® Book

There are $1000s in local savings in every book. To use your Entertainment Book Discounts, just present your coupon to a participating business. Save up to 50% and get 2-for-1 deals at top restaurants, shops, attractions, sporting events and more.

Membership Card

Every Entertainment Book comes with a complimentary membership card. Simply present your card at select fine dine restaurants, hotels, and car rentals to enjoy even more savings!

Register Your Card and Get Even More Savings Online

In addition to Entertainment Book coupons, you’ll find members-only online deals and exclusive discounts on Entertainment.com. You can also print coupons right from your computer when you want it!

• Print new 50% and 2-for-1 dining discounts – only available online!
• Get Repeat Savings – Find a place you like? Now you can go back to save again & again at select merchants.
• Enjoy $1,000s in travel savings. Hotels, car rentals, airlines & new package deals.
• Get cheap tickets for movies, sporting events, concerts & more.
• Save on restaurant gift cards & certificates for popular restaurants nationwide.
• Shop online & save with hundreds of new offers from top online retailers.
• Find all the savings in your neighborhood with easy searching, maps & directions.
• Save with ServiceMagic! Pre-screened and neighbor-rated home service professionals.

The Entertainment Book is available for almost 200 cities around the U.S. and Canada. Prices and coupons vary a little depending on your locality. A few examples of the current sale prices with a few cities/localities:

If you like going out, shopping, eating out, going to the movies, etc. this book can save you a lot of money. Click here to 50% off the Entertainment Book now. This is a limited time offer, so if you want one, order it now.

Related posts:

• Free and Frugal Things to Do in Los Angeles
• Festival of Frugality #152: Affected by Recession Edition
• Car Trouble: Watch Out for Those Pesky Wabbits
• Slowing Down Makes Sense: Drive Safely, Save More Than Money
• Insurance Matters: The Cost of Complacency

Originally posted 2009-03-04 06:00:03.

When our A/C went out two Sundays ago, my first reaction was panic. We live in the desert where we have been experiencing triple digit temperatures and we have esteemed air conditioning as one of the dire necessities of life. So when our central air went out last weekend, my first thought was that we had to call the repair people first thing Monday morning and get it fixed ASAP to avoid extreme suffering.

By Sunday night, however, I began singing a different tune. Yes, it was hotter than h*** as we had a high of 104 that day and sweated a lot more than we would have liked. But the point was that we had survived it, and without any real harm to ourselves except for discomfort. I started fantasizing of the money that could be saved by going the rest of the summer without it.

I’ve also been thinking of how often we forget what we really could live without. We grew up in Hawaii where the average middle-class home doesn’t have air conditioning and many don’t even have insulation. I have memories of hot, humid summers when the entire house was unbearably hot and sweating was a normal part of life. In the winters (and trust me, it does get cold there) I would go to bed wearing at least 2 layers (one of which was sweatshirt and sweatpants), socks and occasionally a cap, under 3 layers of blankets.

But since moving to California in 2003, A/C has become a regular and expected part of life, and we got so used to the luxury that we would turn it on as soon as we felt hot. Of course, being the tropical beasts that we are, 82°-83° keep us sufficiently cool and happy.

So, while it has still been hot (we’ve still had highs in the 100°s), it has been begun getting a little cooler, so we have decided to postpone the A/C repair in the interest of saving and as a matter of discipline. We consider ourselves lucky that our A/C graciously waited until the latter part of summer to go on vacation.

Over this past week, we have learned a few things about how to keep cool without the A/C, but most importantly, that we have been overusing it by not taking advantage of cooler nighttime temperatures. In the past couple of months, we have sometimes kept the A/C on auto 24/7. Even though we set the thermostat around 82°-83°, the A/C still came on at night when outside temperatures were lower because the house was hot from being closed up. So here are a few tips for lowering and saving money on air conditioning use.

Tips for Going Without and/or Saving on Air Conditioning

• Turn on fans to keep the air circulating.
• Set ceiling fans to turn clockwise (counter-clockwise looking toward it).
• Keep curtains or blinds closed during the day.
• Use light colored curtains to deflect heat.
• Keep windows and doors closed tightly to keep the house cool.
• If there is a breeze or if outside air feels cooler than inside, open the window bringing in the cooler.
• Keep sunny windows closed if there is no breeze.
• In late afternoon, as soon as outside temperatures feel lower than inside temperatures, open all windows and doors.
• In the evening, when it’s cool outdoors but still hot indoors, place fans in front of open windows to draw in the cool air.
• Keep as many windows as possible open during night to take advantage of the cool night air to lower inside temperatures.
• In the morning, close windows as soon as the outside air begins feeling warmer than inside air.
• Limit strenuous physical activity until evening.
• Drink lots of cold water.
• When hot, use a water spritzer to spray yourself. The evaporating water will make you feel cool. (For fun, you can also spritz the water upwards and feel it fall down on you. The coldness can be quite shocking.)
• Tie a wet bandanna around your neck (this is something I do for my dog to prevent overheating and heatstroke during the summer).
• if you work for yourself and set your own schedule, you could take advantage of cooler temperatures to get work done at night as you might enjoy more clarity of mind and get more done without the heat.

What I’ve Learned From My Air Conditioning Breaking

• I’ve been spoiled by having A/C these past few years.
• A/C is a luxury.
• A little deprivation is good for you because it makes you appreciate the most basic things in life such as a cold drink and the slightest breeze.
• A warm breeze is better than none.
• Sweating may be unpleasant but it doesn’t hurt you (it may even be good for you).

Does this mean we’re just going to go indefinitely without our air conditioning? No, of course not, because we will be needing it when next summer rolls around and we start getting 105°-112° temperatures again. We are human after all, and as we work at home, we do need to be able to have a certain degree of comfort in order to fully concentrate and function at full capacity in our work.

On a similar note, our heater also went out last winter and we spent most of the winter without it. Outside temperatures were often in the 20s and 30s, and inside was in the 50s and low 60s. It was also uncomfortable, but we came through none the worse (well, maybe a little fatter because we might have eaten more to stay warm).

We will be getting both the A/C and heater repaired some time this fall, but now we that we’ve been reminded of our ability to do without, we will hopefully start to see lower electric and gas bills in the months and years to come.

Related posts:

• Interesting Reads from Fellow Personal Finance Bloggers #9
• No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C
• Introducing Pecuniary Associates & Interesting Reads From Fellow Personal Finance Bloggers #17
• Basics for the Young, Single and Frugal
• No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters

Originally posted 2008-09-16 10:00:44.

• Disposable trash receptacles. Food cartons stand up nicely and are good for catching bits of trash while you are cooking, saving you the cost of trash bags. The foil-lined and plastic bags inside these cartons are often sturdier and more leak-resistant than trash bags proper and are ideal for holding food scraps and bones.
• Throw-away cat litter boxes. Very few people relish the task of dumping out cat litter, lifting liners full of sopping litter, or scrubbing the gray-brown clumps from the bottom and sides of cat litter boxes. You can avoid this age-old task by cutting a rectangle from of the side of a cardboard carton instead of opening the top, filling this homemade commode with litter, and throwing the entire litter box away once a day. These litter boxes can be set on newspapers or other floor protectors if you have large cats.
• Cheap homemade notebooks. Use flat cartons as book covers, using one narrow edge as the spine. Paper can be stitched or stapled in folded sections or simply stacked. To be efficient, cut the box to fit the size of the paper rather than cutting the paper to fit the box. I made an exception with the sample pictured here because the idea of a notebook in a Jello box was too good to resist. Affix the pages to the spine with hot glue. If you want a bookmark, glue a piece of ribbon or string to the spine before gluing the pages. These are good for address books, shopping lists, anything. They can be covered with pretty paper or fabrics for a fancier look.
  
  

  

  

   

• Storage and desk organizers. Cartons covered with paper or spray paint can be used for storage on shelves or desks. Cereal boxes can be cut into trays for holding paper and file folders. I have covered all sorts of boxes with gift wrap paper (bought on sale) and Japanese rice paper (received as gift) with good effect. A good coat of varnish preserves these items for years.
• Gift boxes. For presents to family members, recycled cartons should be acceptable. After all, they will be wrapped . . . or not.
• Craft materials for children. Encourage creativity by having children make useful or decorative items with the nice cardboard from food packaging. Providing a wastebasket (or cardboard carton) at the project area will prevent mess. Some possible crafts are:
  • Doll houses. Simple or multi-level doll houses (or horse barns) are easy to make. Boxes can be stacked or adjoined, with doors cut between them. Plastic from packaging provide transparent window glass. Furniture is easily procured from cardboard and small cartons (Jello again). These houses can be papered, carpeted (old towels?), or painted. If used as cozy homes for small pets make sure they include no unsafe materials as rodents and guinea pigs tend to eat their homes.
  • Message box. Cover and decorate cartons for each family member to hold mail, messages, gifts and treats. They can resemble mail boxes, bear the owners name, and be hung on bedroom doors. It is also easy to cut boxes into heart shapes as pictured.
  • Picture frames. Cut one face of a carton into a frame and use the other face as a backing. Cover with paper, fabric, lace or other trims (flowers, candy, knickknacks). Glue on three edges, leaving one edge for inserting artwork (or photo), or glue entire frame with artwork inside.

Related posts:

• Interesting Reads from Fellow Personal Finance Bloggers #2
• April 2008 Finance and Frugality Blog Carnivals
• Pecuniarities (Our Fourpence Worth) 1 Year Anniversary
• Blog Carnivals
• Covering Cardboard Cartons: The Simple Suitcase (Storage Box)

Originally posted 2008-03-17 06:38:26.

Expansion Difficulty/Complexity: Medium-Hard

This is a credit card add-on for the game of Monopoly wherein players have both cash and credit and may opt to “charge” certain expenses in lieu of paying cash in order to keep the cash flow for investing in property and buildings. For being such a careful money saver in real life, I was surprised at how quickly my “credit card debt” snowballed.

I started out by charging all my expenses because the 10% interest seemed so insignificant, and before I knew it, I was overlimit and paying 20% interest and my debt became more and more unmanageable. I came in second in the end with a credit card debt of $3,600. Madoline won with over $5,000 in cash, and Mabel lost with over $10,000 in credit card debt. :O

Objective

To teach children (and some adults) about buying and owing on the credit system.

Overview

This version of the game uses a credit system wherein players may opt to put purchases and expenses on their credit account instead of paying cash – either because they do not have enough cash available or because they wish to keep their cash to invest in property.

How to Play

• Print out and distribute a copy of the Bank of Monopoly Personal Credit Card Statement (includes rules) to each player. The statement contains 20 tables (representing 20 months/circuits of the game board). If you need more than 20 tables, simply print extra copies of this document.
  Tip: Print 2-Sided to save paper
• Any time during the game, a player may opt to charge expenses such as rent, taxes and miscellaneous fees on his/her “credit card.” in order to save cash for investing in properties and building.
• Property and building purchases may not be charged on a credit card.

How to Use the Personal Credit Card Statement

• A player is allowed 12 credit transactions per month (circuit of the board).
• Each person has a credit limit of $2,000.

1. On the first round of the game, enter $0 under Balance Forward.
2. When making a charge, enter a brief description of the transaction under “Description of Transaction”
3. Enter the amount under “Amount Charged”
4. Total the current balance in the right-hand column under “Balance.”
5. When you pass or land on “Go,” total your balance next to “Total Charges”
6. Pay off your desired debt in cash to bank and enter the figure next to “Amount Paid @ “Go.”
   • You are required to make a minimum payment of 10% of the total charges.
   • If you are not able to make the 10% payment, your interest rate increases to 20% until you are able to make your minimum payment again.
   • You may pay your balance in full and accrue no finance charges, or pay at least the minimum or as much as you are able to or wish to.
7. Subtract the amount paid from the Total Charges and enter the amount next to “Balance Subtotal.”
   If the balance is greater than $0, multiply Balance Subtotal by 10% (n x .1) if you’ve made at least the minimum payment, or 20% (n x .2) if you were not able to make the minimum payment, and enter the figure next to “x 10% Finance Charges.”
8. Multiply Balance Subtotal by 10% (n x .1) and enter the figure next to “x 10% Finance Charges.”
9. Add the 10% Finance Charge to your Balance Subtotal and enter the figure next to “Balance Forward.”
10. This is your remaining debt.
11. Move to the next empty table and enter the “Balance Forward” amount at the top right-hand column
12. next to “Balance Forward.”
13. When entering your first charge of new circuit around the board, add the charge to the forwarded amount and repeat.

Click on the image below to view a sample statement

Transactions Between Players

On a transaction wherein a player is to receive money and the payer decides to charge the expense, the receiver withdraws the payment directly out of the bank.

Bank of Monopoly Credit Card Terms

Credit Limit: $2,000
Regular Interest Rate: 10%
Minimum Payment: 10% of balance
Minimum Finance Charge: $10
Insufficient Payment/Overlimit Interest Rate: 20%
Overlimit Fee: $50 per transaction

Note: In the interest of illustrating the snowball effect of debt, we have decided not to cap the game and charges at $2,000, but rather impose a per transaction overlimit fee of $50 and a higher interest rate.

Visit http://pecuniarities.com/Monopoly for more Money Management and Investment Monopoly Expansions!

The Monopoly game is copyrighted by Parker Brothers, a subsidiary of Hasbro. All expansions are original creations by Our Fourpence Worth and shared for personal use only. Commercial use of these rules, forms and images is prohibited.

Related posts:

• Monopoly Game Expansion #1: Personal Savings Account
• July 2008 Finance and Frugality Blog Carnivals
• Monopoly Game Expansion #2: Personal Checking Account
• Monopoly Game Expansion #5: Income Tax Edition
• June 2008 Finance and Frugality Blog Carnivals

Originally posted 2008-06-30 06:00:22.

In the past year, we only went out an average of 1-2 times per month to run errands and our garage door therefore got very little exercise. One day last month, when I was leaving for my monthly grocery shopping trip, the door wouldn’t close. I left it to Madoline to figure out, and when I got home I found the door stuck halfway down and slightly slanted, having come un-aligned and with 2 of the upper wheels fallen out of the track on one side. Being confirmed DIY-ers, we tried to see if we could fix it ourselves, which involved me standing on the back of a sofa we had purchased at Goodwill (with the plan of re-upholstering it) and wrestling with the door, but soon decided it was best left to a professional and we made to by putting the wheels back in the tracks to keep the door from sagging and damaging the entire contraption.

Our biological father came to visit last week, and although I told him we needed to call a professional repairman, he thought he could fix it to save us some money. One and a half hours later, the door was more crooked, we had lost 3 more wheels, the tracks had been knocked out of place and the door was literally hanging. Furthermore, I found out after the fact that my father had severely endangered his own life, and even worse, MY LIFE, by unwinding the tension cable. And worst of all, he had damaged the door further so that what might have been some minor repairs became major repair, including replacement of the tension rod.

Lesson 2: The Price of Not Sticking up for Yourself

The only garage door specialist in our area is located about 40-50 miles away and they seemed uninterested in the job as they didn’t want to talk to us over the phone but instead told us to submit a request online, which we did twice (4 weeks apart) but to no avail. Fearing a total collapse resulting in further damage and expense as well as the insecurity of a half-closed garage door, we resorted to local handymen.

I went through the list of handymen in our area, and the first one I reached that wasn’t a voicemail told me he could fix ours for $150. He came over to take a look and said that he couldn’t fix the tension cables, which required specialists, but that he could re-align the door so that we could at least open and close it manually, and he might need to replace a few of the wheels and 2 brackets. He then gave me a quote of $225 for replacing 5 wheels and 2 brackets. So we agreed on 10:00 AM the next morning.

I got up at 9:30 AM the next morning (which wasn’t easy for me because I was up until after 4:00AM working on the computer) in anticipation of the handyman showing up at 10:00, but he didn’t show up until 10:30, using the following excuse: the weather and its effect on one’s desire to sleep in. So he fixed the garage door – replacing 1 wheel and 1 bracket – but told me after that we actually wouldn’t be able to open the door due to the damaged tension rod, which also requires a specialist.

We then had him fix a sprinkler leak in our front yard as well, a job he had agreed to do for $75, after which he gave me a total of $325 for the two jobs. Being somewhat muddle-headed and tired from lack of sleep, and even worse, a pushover (one of my worst traits when dealing with strangers), I wrote him a check for $325 without much argument except for asking, “So the garage door was $250?” to which he, of course, replied “Yes.”

After he left, I couldn’t stop thinking about the whole affair and kicking myself (mentally) for having been such a pushover. The quote of $225 had been for if he would have to replace 5 wheels and 2 brackets. Instead, he only replaced 1 wheel and 1 bracket, and he charged me $25 more than the price he had quoted me. To add insult to injury, we still can’t open or close our garage door as he had promised beforehand. (Not to mention his showing up a 1/2 hour late for having slept in.) If I had argued with him about it, I probably could have paid at least $50 less.

That night, I couldn’t sleep for thinking about all this and decided I would call him up the next day (yesterday) to ask about this and tell him I didn’t think what he did was right. But the next day, the check had already cleared our bank account (he must have driven straight from our house to the bank) and I decided it probably wouldn’t have done much good anyway and the conversation probably would only have aggravated me more. So I decided to just chalk it up to a valuable lesson learned about the price of being spineless. And also to never hire this handyman again.

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Related posts:

• May 2008 Finance and Frugality Blog Carnivals
• Car Trouble: Watch Out for Those Pesky Wabbits
• My Favorite Money and Time Saving Websites
• It Never Hurts to Ask: Getting Late Fees Removed
• On the Naming of Pets and Improvement of Fortune

Originally posted 2008-05-15 22:10:22.

For years, savvy travelers have been booking flights as many as 6 months ahead of time to take advantage of early booking discounts. This year, however, what used to be a smart move could end up costing travelers more money as airlines begin to cut back and cancel flights this fall. According to Airline Cuts Hit Fliers Who Planned Early by Matt Phillips of the Wall Street Journal, many travelers have already been influenced by this situation.

Some of the ways in which these flight cancellations are affecting travelers’ plans and pocketbooks are:

• Disrupting carefully planned schedules and itineraries
• Added hours or days to trips
• Longer hotel stays
• Missed connections (flights, cruises, etc.)
• Required use of more vacation days than planned
• Nonstop flights being broken up (adding layovers)

While the airlines offer to change flights or refund the airfares, they will not cover additional associated expenses.

One example of how some travelers are being affected is a couple planning a wedding and honeymoon this fall. They had booked a flight that arrived in South America in time for them to board a cruise, but their original flight has been canceled, and the flight the airline wanted to put them on arrives a day later – too late for the cruise. The only other option the airline could offer was putting them on a much earlier flight, which disrupts their plans for spending time with family members who are traveling especially to attend their wedding. Not only will the earlier flight cut in on their family time, but it will add several days’ worth of hotel stays while waiting for the cruise’s departure.

Another example is a family planning a trip with small children. To make the trip easier on the young children, the parents had booked a nonstop flight with traveling times suitable for the children. Now their flight has been canceled and the only option the airline can offer is a flight with a connection that arrives late at night, which will be hard on the children.

The airlines say they are doing their best to contact and accommodate all customers being inconvenienced, but many travelers only found out that their flights had been canceled by checking their itineraries online.

If you have booked a flight for after Labor Day 2008

• Go online or call your airline to check your itinerary.
• Don’t wait for the airline to call you. There are a number of reasons they might not call you – a wrong or outdated number or they may have already tried to call once and may not try again, etc. The longer you wait, the harder it will be to work out a solution.

If your flight has been canceled or changed

• Check your contract of carriage for the terms on schedule changes and cancellations. (Don’t expect too much.)
• Contact customer service to ask about your options.
• If they do not offer you a suitable solution, cancel and request a refund.

Remember, they might change your flight for you, but they will not cover added expenses associated with the schedule change, so be sure to go over the rest of your plans for before and after the flight.

Related posts:

• July 2008 Finance and Frugality Blog Carnivals
• Don’t Spend that Tax Rebate Just Yet
• Frugal Travel Begins Before the Trip: Vacation Preparation Checklist
• Make Your January 1, 2009 Home Mortgage Payment Today to Cut Your 2008 Taxes
• Early to Bed and Early to Rise Makes a Man [or Woman] Healthy, Wealthy and Wise

Originally posted 2008-07-07 06:30:29.

Productivity

• Check out one of my earlier posts Save Hundreds with Open Source Software for a list of open source applications with short descriptions of their functions and links to the websites for free downloads. These are not free trials but completely free programs that stay free and upgrade for free.
• Google Calendar is a handy online calendar that can send alerts to you by email or pop-up reminders. The program allows you to share your calendar with friends and family who also use Google Calendar so you can coordinate schedules with each other.

Computer Protection

• ZoneAlarm Free Firewall can filter all traffic in and out of your computer. The most secure setting will warn you of even legitimate access to the internet and of every attempt by a program installed on your computer to access the internet to check for updates, etc.
• ZoneAlarm Spy Blocker Toolbar protects you from spyware while surfing the net.
• McAfee SiteAdvisor warns you of bad sites and has profiles for each tested site with details on downloads, spam email count, and user reviews. It also shows the safety rating for web search results with a small icon next to each link: green for safe, red for unsafe, yellow for caution, and gray for untested (you can submit a test request for gray sites).
  

Communication

• Skype allows you to make free computer to computer video and voice calls, and calls to phones for a small charge. We use the free computer to computer calls to talk to our overseas relatives
• If you use Hotmail, you can also use Windows Live Messenger for voice and video chat sessions with your contacts. You can also send mobile text messages to contacts in your address book.
• Gmail is my favorite free web based email program because, not only does it give you ever increasing storage (6.76 GBs as of this writing and counting), but it lets you forward your email to a desktop email client such as Outlook or Thunderbird. If you access your mail online, it has a nice filtering tool to help you sort your mail and also has a built in chat program, Google Talk, that allows you to chat with your online contacts without having to download anything.

Entertainment

• Hulu has an ever growing collection of new and old television programs and movies which you can watch for free online with a very reasonable amount of advertisements. The commercial breaks are shorter than you would have to sit through (15 or 30 secs) when watching a show on TV. For some newer shows, only the last 5 or 6 episodes are available, but there are also full seasons and full series of episodes for some shows.
• Network channels all have websites that let you watch the last 5 or 6 episodes of their current shows online. Here is a list of links to the home pages:
  • NBC
  • ABC
  • FOX
  • ABC Family
  • Sci Fi
• SHOUTcast is a free internet radio site that has a large selection of genres and stations and good sound quality.
• Joost is a player that allows you to watch thousands of TV shows and movies on your computer.

Reference

• Wikipedia. If you’ve performed a web search on the net, you’ve probably already stumbled across Wikipedia, which is a free, open encyclopedia that anyone can edit. It may or may not be 100% accurate, but it is convenient and has a great collection of articles and images on just about any topic, person or place including cities, actors and operas. Wikipedia is available in English, French, Spanish, German, Japanese, Polish, Russian, Portuguese, Dutch and Italian. (Time Saving Tip: To search for something straight from your Google toolbar or search, just type the keyword and the word “wiki”, i.e. “horse wiki” and the link to the entry will most likely show up first in your search result.)
• High Beam Encyclopedia is a collation of articles from Britannica, Oxford University Press, Columbia Encyclopedia as well as other published newspaper and magazine articles.
• Google Translate provides fair (though not the greatest) translations for 23 languages. It can translate typed/pasted in sections or entire webpages. This allows you to make use of websites you otherwise might not understand or save you time where you already know the language but take longer to read. It also has a dictionary for looking up words from those 23 languages.
• Reference.com has links to a host of reference tools including atlases, almanacs, a dictionary, thesaurus, literature and more. (Time Saving Tip: To look up a definition of a word, for example, “antithesis”, type “definition antithesis” in your search window. To look up synonyms (thesaurus) of the word “simile”, type “synonym simile”, and the search results will link you to the page of the entry.)
• The Gutenberg Project is a digital library of works that have fallen into public domain through expired copyright. The library includes fiction and non-fiction literature, audiobooks, sheet music and more.
• Google Calculator is a handy tool that lets you type in a formula or question in your search window and it will calculate and show you the answer. For example: type “1+5″ in your search bar and it will give you “1 + 5 = 6″. It can multiply, divide, add, subtract as well as calculate units of measurement such as miles, kilometers, megabytes, grams, degrees, pi, currency exchange rates and much more. Check out this great Google Calculator Demo at the Learn Google Search blog.

Free Downloads

• Download.com has a large collection of safe, free and trusted software downloads with editor and user reviews.
• Softpedia also has a large collection of downloads.
• Mozilla, home of the Firefox browser has a large number of great open source software including web browsers, html editors, email and calendar programs. Be sure to also check out the list of Mozilla-Based Applications which include other interesting and useful programs.
• Firefox Browser Add-ons: If there is a function you wish your Firefox browser could perform, chances are someone has already had the same thought and created an add-on for it.
• Google Pack includes the following (you can select which items you want):
  • Google Earth: a map program that lets you look at satellite, terrain and street level images. Includes driving directions and businesses
  • Norton Security Scan for viruses
  • Google Desktop to help organize your files, pictures and web history
  • Mozilla Firefox Browser with Google Toolbar
  • Adobe Reader
  • Skype
  • Star Office word processing, spread sheet, presentation and other office programs
  • Google Toolbar for Internet Explorer (helps block pop-ups)
  • Spyware Doctor (starter edition)
  • Picasa for editing and organizing your photos
  • Google Photos Screensaver to create slideshows with your photos
  • Google Talk for chatting online or by voice and sharing files
  • Real Player for playing media and transferring music to iPods or other players

Shopping

• Amazon.com is our favorite shopping site for almost everything we can’t get at our local grocery and drug stores. The Free Super Saver Shipping for orders over $25 allows you to spend your money on things rather than shipping charges. We also have the Chase Amazon Visa Card that gives us 3 points for every dollar spent at Amazon.com and 1 point everywhere else, and a $25 gift certificate when we reach 2,500 points.
• We occasionally shop at Overstock.com when the price is considerably less than can be had from Amazon. In our experience, their service is just as good, if not better, than Amazon’s due to the online customer service chat and faster shipping time, because Amazon’s free shipping takes an additional 4-5 business days before leaving their warehouse. They offer flat $2.95 shipping on all orders, and cheaper media shipping for 1 or 2 media item (books, music and DVDs).

Related Posts

• Save Hundreds with Open Source Software
• The Frugal Literate’s Guide to Affordable Reading
• Public Domain Music: Music You Already Own
  

Related posts:

• June 2008 Finance and Frugality Blog Carnivals
• Welcome MSN Money Central Smart Spending Readers!
• Under the Weather – Recommended Reading
• Festival of Frugality #140: The Frugal Quotes Edition
• Ludwig & Wolfgang

Originally posted 2008-05-26 12:33:47.

Now that tax time is coming around, I’ve noticed an increase in tax related scam emails in  my inbox and spam folder. They come in various forms with different sender names and subjects, claiming to be important notifications about your taxpayer account, your tax refund, and new this year, your economic stimulus or bailout check.

By now, most savvy internet users have seen enough phishing emails to know what to do about them — ignore or delete them, or if you want to make a difference, report them — but for those of you who are new to phishing schemes and internet scams, here is a heads-up.

Some of the fake IRS e-mails I have received look like this:

From the IRS website:

The IRS does not initiate taxpayer communications through e-mail.

• The IRS does not request detailed personal information through e-mail.
• The IRS does not send e-mail requesting your PIN numbers, passwords or similar access information for credit cards, banks or other financial accounts.

If you receive an e-mail from someone claiming to be the IRS or directing you to an IRS site,

• Do not reply.
• Do not open any attachments. Attachments may contain malicious code that will infect your computer.
• Do not click on any links. If you clicked on links in a suspicious e-mail or phishing Web site and entered confidential information, visit our Identity Theft page.

No matter how convincing the e-mail looks, do fall for it. Report it to the IRS.

How to report phishing, e-mail scams and bogus IRS Web sites
If you receive an e-mail or find a Web site you think is pretending to be the IRS,

• Forward the e-mail or Web site URL to the IRS at phishing@irs.gov.
• You can forward the message as received or provide the Internet header of the e-mail. The Internet header has additional information to help us locate the sender.
• After you forward the e-mail or header information to us, delete the message.

Contact the IRS by phone or U.S. Mail to inquire about your account if you believe it might be legitimate – it most likely isn’t. Remember: The IRS does not initiate taxpayer communications through e-mail.

For more information on how to identify and report suspicious emails, identity fraud, phishing schemes and tax scams, visit the page on How to Report and Identify Phishing, E-mail Scams and Bogus IRS Web Sites at the IRS website.  View an example of an Economic Stimulus related phishing e-mail.

Please note: I am not a tax professional, nor am I affiliated with the Internal Revenue Service in any way. This information is presented here in the hopes that it might be helpful. If you have been a victim of a tax related scam, please contact the authorities for assistance.

Related posts:

• March 1st-7th is National Consumer Protection Week!
• Interesting Reads From Fellow Personal Finance Bloggers #16
• Consumer Safety Resources from the Government on SPAM, Scams, Fraud, Phishing and Identity Theft
• Pecuniarities News: Top 100 Finance Blogs, MSN Smart Spending, FrugalFocus and Consumer Safety
• Why I Will Not Change My Mindset, Plus the Difference Between Justifying and Being Optimistic About Spending

Originally posted 2009-02-24 07:00:55.

With a current budget deficit of $17.2 billion, the urgent issue of who should pick up the firefighting bill has arisen. Governor Arnold Schwarzenegger has proposed an insurance surcharge on all California home and property owners to help raise funds for firefighting.

But for those of us who have not chosen to build and live in the areas where these frequent seasonal fires occur, we can’t help but feel a little resentful of this proposal. The existence of homes in those areas drive firefighting costs up due to the necessity for differing procedures and additional resources. Not only does it cost more to have to use fire engines, airplanes and helicopters to defend these structures, but they take resources away from other remote fires that would otherwise be more quickly and easily contained.

According to Timothy Duane, professor of environmental planning and policy at UC Berkeley:

“When you are forced to move resources in defense of structures, it means you’re often taking resources away from other areas of the fire, or entirely separate fires, which means those fires are harder to contain with less resources. You have to deal with life, and property and natural resources, in that order, and when you’re dealing with the first two, it increases the extent of the fire and the time period before you can put the fire out.”

Yes, we do feel sorry for those who have lost their homes or whose homes are in danger, but they willingly purchased and/or built homes in areas that they knew were susceptible to seasonal fires. When we purchased our California home, we did so after researching the various environmental factors and comparing risks of natural disasters with other areas. With this sort of information readily available, as well as the fact that the wildfires are widely covered in the news each year, it’s hard to claim ignorance to the risk when they purchased or built their homes.

I know I should be more charitable and sympathetic, but frankly, with the daily inflation of food and gas prices, the heat wave increasing our electric bill, and decline in business putting a strain on our already modest lifestyle, I am not in the mood to pay a surcharge on my home insurance in order to make up for the poor home purchase decisions of others.

Related posts:

• July 2008 Finance and Frugality Blog Carnivals
• Interesting Reads from Fellow Personal Finance Bloggers #5
• Save on Vehicle Registration, Driver License Renewal and (for California Residents) Smog Testing & Repair with DMV Online
• Lottery Tickets: Worthy Investment or Waste of Money?
• Patchwork Berets from Fabric Scraps

Originally posted 2008-07-10 12:23:32.

So here are a few basic points and tips for the young and frugal. They may not help you climb the social ladder, but keeping them in mind and practicing them in whatever you do can keep you from falling off, and maybe help you to climb up, the financial ladder. And remember that basics are not just for beginners. They are taught first to beginners not because they are easy and therefore less important, but because they are the foundation upon which to build everything else.

Basics for the Young and Frugal

• Frugality is a Virtue
  This is not just another feel-good phrase to make you believe something that’s not true. The word frugal actually comes from the Latin word for “virtue” or “virtuous,” “valuable,” “worthy,” “deserving,” and many other good things. Check out my post and see for yourself. You should not be ashamed of being frugal; in fact, you should be proud that you are thinking ahead and planning and saving for the future – be it a down payment on a house or car, your retirement, a family, etc.
• Frugality entails sacrifice
  You will have to give up some luxuries if you truly want to save money. This doesn’t mean you have to give up every single joy in your life, but you will have to cut back.
• There is nothing wrong with staying home
  A little extra time to yourself at home is good. You’re paying rent or mortgage on your home, why not actually use it for something other than sleeping?
• It is never too late to take up a new hobby
  If you’ve always wished you could play a musical instrument, speak another language, sew or knit your own clothes, the sooner you start, the less time you’ll have for regrets and “if only’s” later. Invest in a useful hobby that will benefit you in later life as a professional or a parent, and stay home and practice it. For example, when you are a mother with a handful of children and not enough time in the day, you will be glad that you already know how to sew and mend clothing rather than having to learn to sew at that time.
• True friends will respect your choices
  If your friends put you down for your frugal lifestyle, then it’s time to find some new friends. Friends who really care about you will not repeatedly ask you to make sacrifices to feed their need to spend money. You don’t have to sever all ties with such friends, but there is nothing wrong with making new friends who share your values and can help you stay on track in your frugal lifestyle.
• It is never too early to think about your future
  Even if you are still 40 years from retirement age, you must start thinking about and take responsibility for your future. What if you’re lucky enough to live another 40 years after retirement? And this is assuming that all goes well and you do not need to take early retirement for any reason.
• A penny saved is a penny plus interest earned
  Check out my previous article and learn just how just a few dollars saved per day can turn into a small fortune over the course of 1-40 years.

Check back soon for suggestions for frugal activities and hobbies.

Related posts:

• April 2008 Finance and Frugality Blog Carnivals
• Blog Carnivals
• Make It Do: Frugal Forever
• Motivating Children to Practice Music (Part 2)
• Friday Fun: Meme Me! 7 Things You Didn’t Know About Me (Penelope Pince)

Originally posted 2008-03-25 16:36:19.

A necessity is an item/service that you simply cannot do without in your everyday life and that is vital to your survival and situation.

A luxury is anything that is not a necessity.

A few examples of necessities (or necessary expenditures) would be:

• Food
• Rent/mortgage
• Auto insurance
• Home insurance
• Health insurance
• Gas
• Auto Maintenance
• Utilities: electricity, gas and phone

Of course these are not the only necessities in the world, and it’s different for everyone, but when you really think about it, true necessities are actually quite few in number, and many things that you think you need are in fact not that necessary.

A few common examples of luxuries would be:

• Entertainment – movies (at the theater, renting, or buying), music and/or books
• Cable or satellite
• Toys and games (video or non-video)
• More than one home phone line
• More than one computer (even one computer could be considered a luxury in dire circumstances)
• High speed internet service

Even in one of the main necessities, food, there are luxuries that aren’t necessary. Necessary foods are foods that are vital for your health and continued existence. These are usually basic foods and staples that fill out your food pyramid and keep you in good health. Any food that is not vital to your health and survival should be regarded as a luxury.

A few examples of luxury foods when grocery shopping would be:

• Chips and other junk food
• Cookies and other sweets
• Gourmet cheeses
• Alcoholic drinks
• Soda and other bottled beverages
• Bakery goods
• Specialty breads i.e. foccacia
• Seasonal and tropical fruits
• Fancy meats (i.e. steaks)
• Pre-prepared and packaged foods (sandwiches, salads, sushi, cut fruit, etc.)

I say “should be regarded as a luxury” because I think it is important to understand and appreciate the difference. I am not saying that your life should be completely stripped of all pleasures and comforts, but when you are purchasing a new DVD or CD, it is important to be aware that what you are purchasing is a luxury item.

So, the first step in trying to figure out how to cut your expenditures is to go through your regular purchases (including services) and distinguish all luxuries from necessities. Luxuries should not be regarded as “forbidden” because it could turn into an obsession (the desirability might be blown out of proportion), but be aware that by choosing not to purchase these items, you are gaining an advantage.

Related posts:

• Pecuniary Links & Pecuniarities Update ~ July 2009 #1
• Simple Solutions to Staying Out of Debt
• Frugal Christmas: Skipping the Tree and Presents This Year
• Financial Lent: A Frugal Fast to See What You Can Live Without
• Carnival of Pecuniary Delights No. 24: Friends Edition

Originally posted 2008-04-25 00:59:12.

These templates are provided for personal non-commercial use and may not be published elsewhere. If you want to share this with your friends, please link to this page.

For more free printable templates by Madoline Hatter, visit or Freebies category page.

If you enjoy our free printable templates, please consider making a donation to help us produce more.

Miniature Gift Baskets

Printing and Assembly Instructions

1. Cardstock or heavy paper is recommended for this item.
2. Click on the small images below to view and print them in their original size.
3. Select “scale to fit page” before printing and choose “landscape” paper orientation for maximum size.
4. After printing images, cut along outlines, fold and glue tabs to hold basket sides together.
5. For the handle, fold in sides of long strip together and glue ends to inside of basket.

Mini Blue Basket	Brown Mini Basket	Gary Mini Basket
Gold Mini Basket	Green Mini Basket	Rose Mini Basket
Pink Mini Basket	Purple Mini Basket	Sage Mini Basket
Tan Mini Basket

For more original free printable templates by Madoline Hatter, visit our Freebies section.

Related posts:

• Free Printable Templates: Patriotic American Flag Miniature Gift Accessories Set
• Free Printable Templates: Gingham Mini Gift Boxes
• Free Printable Templates: Holiday Snowflake Gift Tags, Treat and Mini Carrier Bags
• Free Printable Templates: Hawaiian/Aloha Floral Print Treat Bags & Greeting Cards
• Free Printable Gift Accessories by Madoline Hatter

Originally posted 2008-08-15 14:35:20.

But this morning, I went to the Charter site for an entirely different purpose: checking out the options on one of the most un-frugal things there are – cable TV. I know I shouldn’t be doing that because nobody really needs cable, but I recently got hooked on a few shows that I’ve discovered on Hulu (House M.D., The Office and Battlestar Galactica) and am itching to see the re-runs of all the past seasons I’ve missed. Of course, I was just looking, with no intention to buy because when it comes down to it, it really is a terrible waste of money. But anyways, when I clicked on Add/Upgrade Services, I saw that there were 3 High Speed Internet promotional plans available to my area – $19.99, $24.99, and $44.99 a month. I decided to get on customer service chat for some clarification on the plans available to my area, and 20 minutes later I had saved $180.

The plan was this: I could get on the 10 Meg High Speed plan (upgrade) at $24.99 a month for a promotional period of 6 months. There are no contracts so if I happen to have to move (which is a possibility but hopefully not – knock on wood), and there are no fees for upgrading or downgrading so I can just re-downgrade to the 5 Meg service at the end of the promotional period. While it’s not a permanent fix, it’s at least a 6-month fix, and one that’ll save us $30 a month which comes out to a total $180.

All I have to do is remember to contact them again in November and have them downgrade us to our original plan. Or maybe if we’re really lucky they’ll have another promotion for us then! So, if you think you might be paying too much for a service – any service – phone, cable, internet, insurance – do a little research and/or call your service provider (Further reading: Insurance Matters: The Cost of Complacency.) Companies are always running promotions to bring in new customers or keep old ones, so chances are probably good that you’ll be able to save somewhere. Even if it’s just a few dollars for a few months, it’ll add up.

If you are going to contact your service provider, here are a few tips for getting the best results:

Tips for Receiving Better Customer Service

Obviously, these are tips for when you have engaged a live customer service representative after bypassing the robots. In the interest of readability, I may sometimes use the impersonal pronoun “they” instead of typing out “he/she”. I know it is grammatically incorrect, but “he/she”, “him/her”, “his/her” can get old.

• Firstly, try to avoid dealing with customer service when you are: hungry, thirsty, tired or sleepy as these states can cause you to be less focused and coherent, and possibly cranky.
• Also, allow yourself plenty of time. If you try to squeeze a call into a short amount of time (i.e. while standing in line at the post office, the last 10 minutes of your lunch break, etc.) it is likely that you will not get the best out of your call. You will be in a hurry to get off the phone (or computer) and might lose out on an otherwise better option, or be impatient and lose your temper and making your customer service agent less willing to help you. Give yourself at least 20-30 minutes and try to make the call in a quiet place where you are least likely to be interrupted or bothered.
• Use Live Chat customer service whenever available for the following reasons:
  • It is easier to keep details straight when you can see them in front of you.
  • It is also easier if you are dealing with customer service that might be outsourced to another country, or even a customer service rep located in the U.S. but who has an accent or regional dialect that might be difficult to understand.
  • At the end of the chat, do a select all (ctrl+a), copy (ctrl+c) and paste (ctrl+v) the text from your entire chat session onto a word document file for later reference.
  • Make sure you note the customer service rep’s name or ID number, the date and time of your chat session. This might make it a little easier if you need additional customer service later one and you and refer to the session.
• Greet your customer service representative. A simple “hello” (and maybe even a “how are you”) will start the conversation or chat off on a friendly note.
• Remember that you are speaking to a real person who will respond to the way you speak to him/her. If you are nice, chances are they will be nice in return. If you’re not nice, chances are they will be too. Having worked in customer service, I know this for a fact.
• If using internet chat, try to use proper spelling, capitalization, grammar and punctuation. It may take a few seconds longer, but it will make your messages easier to read, which is important for both courtesy, accuracy and professionalism. Yes, even if you’re the customer, professionalism on your part will help them to take you seriously and encourage them to serve you better.
• Do a little prior research about the company’s current plans and promotions. If anyone you know has received a promotional deal from the same company, mention it to them and ask if you can also receive the same promotion or something similar.
• If you are looking for a plan that costs the lowest, be sure to mention it to them. They might sometimes only offer you a plan or package that sells you more service than you need. If you only want one specific service, be sure to mention it to them.
• When offered a promotion, make sure you get all the facts. Don’t just ask them if there is anything else you need to know, but rather ask them to clarify each point for you:
  • Are there any additional fees for switching plans permanently or temporarily (if you’ll be switching back at the end of a promotional period)?
  • Are there any contracts or obligations and for how long?
  • Is there an early cancellation fee? (In case you are dissatisfied with the new service, if you have to move etc.)
  • Are there any service limits different from your current plan?
• At the end of the conversation thank them for their help, say goodbye and even wish them a nice day. This ensures that both of you leave the conversation on a positive note which could affect the next time you deal with this company. Even if you never deal with the same rep again, if every customer was polite to every customer service rep, then customer service in general might be a lot more pleasant.
• Remember to make a note on your calender if you are receiving an offer that requires cancellation or downgrade at the end of a promotional period. If you use Google Calendar, Mozilla Sunbird or Microsoft Outlook, get on your calendar as soon as you get off the phone or chat and set yourself a reminder to alert you a few days before the end of the promotional period. Canceling on time (instead of canceling and re-switching after you have been permanently enrolled or charged for the new plan) will save you a lot of headache, time and money.

Now go and save yourself some money.

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Related posts:

• It Saves to Be Nice Part 2: How to Be a Nice Customer
• May 2008 Finance and Frugality Blog Carnivals
• It Saves to Be Nice Part 1: It’s Business But It’s Also Personal
• Simple Solutions to Staying Out of Debt
• It Saves to Be Nice Part 3: How Being Nice Pays Off

Originally posted 2008-05-06 16:00:29.

The topic for this month’s PF Bloggers Group Writing Project, “Poorest Time of Your Life” which was decided about 5 months ago, comes at a somewhat inopportune time. When our group picked out these topics, whoever it was that suggested this topic must have thought that we must all be in a position where the poorest time of our lives were in the past and could serve as an inspirational story of financial achievement.

But with the recent and current economic developments (or should I say, deterioration?) and the rate of inflation, I really can’t say if the poorest times of our lives really are past. At first thought, I just assumed that the poorest time of my life was past, but upon further contemplation, I am beginning to question if NOW might not be the poorest time of my life.

When I sat down to write this essay, I had planned on writing about two brief periods in Madoline’s and my past when were quite poor. They were transition periods in our lives, however, which really didn’t last very long and probably didn’t really count as being poor.

Poor Period 1

The first was right after Madoline graduated from college which coincided with the ending of my first job, which was a 9-month contract position. We had had a falling out with our stepfather who, as trustee of our mother’s estate, was in possession of the income she had left us. For more about this, please refer to our Family Financial History.

While our rent was still being paid by our mother’s money, we had little left from my earnings and were living in a town where employment opportunities were scarce. For about a month, we made a little money here and there teaching piano lessons and singing at weddings of acquaintances, after which we managed to secure 2 out of 5 full-time positions that opened up at a new company in town.

Poor Period 2

The second poor period was after we quit that job and moved to California. We had saved up $10,000 after working 11 months and had also managed (with the help of an attorney) to persuade our stepfather to turn our mother’s income over to us as she had intended. While the monthly income wasn’t a lot, it was enough to pay the rent and some bills on a small place, and we felt the need to leave Hawaii and start afresh.

We spent $800 on 2 one-way airfares; $225 on airfare for our dog, cat and 22 mice ($75 per ticket – the mice counted as “one”); found a place to live for $650/mo. in Hayward, CA; and figured we had enough to cover the movers and sustain us for at least a couple of months while we looked for jobs.

But we underestimated the costs of the move which was based on the weight of items moved. Because we didn’t have a parents’ house where we could leave things, we had to take everything that had meaning to us, such as a an antique desk of our mother’s, our piano and mementos of childhood. We had no idea how much everything weighed and assumed it wouldn’t be more than 1,000 lbs., so we had estimated about $1,200, but when the movers’ invoice arrived in California stating a total of almost $3,500, I knew we were in trouble.

After the initial costs of moving in, buying necessities for our new place, putting a down payment on our car (read about that catastrophe here) we had just about $3,500 left for the movers. Our monthly inheritance income check had been delayed due to mail forwarding, and for a few weeks, we literally had no money in the bank. I have a memory of one night when we rummaged through all our pockets and purses for change. We gathered about $10 with which we then went to the grocery store to buy food.

We began job hunting as soon as we got a car, and took the first jobs offered to us at Togo’s Eatery (a sandwich shop similar to Subway). When we got our first paycheck, around $100, we took it to the bank and deposited it. The clerk told us the balance would be available immediately, so we went grocery shopping and put it on the debit card. We found out later that the clerk had misinformed us and that we had gotten an overdraft because it turned out the balance wasn’t immediately available after all.

But this only lasted a few weeks. Our mother’s income check eventually arrived and continued to arrive each month. After our scare of being poor, we saved like crazy. We continued working at Togo’s for the time being and got hired on to manage a new pizza restaurant that our boss opened a couple of months later.

So things were hairy for a while, but that brief brush with near poverty was an invaluable lesson and catalyst for our desire to live frugally.

Is Now the Poorest Time of Our Lives?

I am beginning to wonder if the present might not be the poorest time of our lives. While we still have money in the bank, I can’t but wonder how long it will last if this recession and rate of inflation keeps up. Our monthly grocery bill is almost double what it used to be (we only have one supermarket within 40 miles, which may mean higher rate of inflation). The cost of propane has increased at least 150% since we moved in 3 years ago. The list goes on. But our total income continues to decrease – both from our business, which was very promising and the reason we bought the house, and our inherited income.

While we are OK for now as far as having money for groceries, the mortgage and bills, I can’t help but worry that we’ll run out in a few months. It is truly scary because this is much more permanent than our previous “poor periods” which were nothing in comparison. We didn’t have mortgages back then. We were living in areas where we could find employment. We are again living in an area where employment opportunities are scarce to none, even when the economy is good. But this time we can’t move because we have a mortgage which we can’t refinance now or sell the house in this current market as our property’s market value has decreased by 40%.

Maybe I’m just being paranoid and worrying for nothing – I usually am. But what if I’m not?

* * *

About the PF Bloggers Group Writing Project

The Personal Finance Bloggers Network currently consists of 7 active personal finance and frugal living blogs. The Group Writing Project is a monthly project wherein each blog will write a post on a pre-determined topic and publish it on the same day of each month. Be sure to visit thePF Bloggers Group Writing Projectpage for the others!

Extended Group Writing Project Invitation

If you are a blogger, we would like to invite you to write your own post on this topic and submit it for listing with our entries on our Group Writing Project pages. Please visit the following page for details on how to participate in our Extended Group Writing Project

Related posts:

• Holidays Should Be Happy: Have a Party-Preparation Party to Reduce Stress
• Sewing: A Frugal and Fulfilling Hobby – Save Money by Sewing Your Own Clothes
• Is “Simple Living” Just Another Term for “Giving Up?”
• Does Thinking About Money Make You a Bad Person?
• Motivating Children to Practice Music (Part 2)

Originally posted 2008-11-19 07:00:01.

An interesting experiment would be to forbid a young child to ever touch the piano, after all it is a very expensive instrument. One can easily imagine how much higher the piano instantly rises in that child’s estimation. One then promises the child that he or she will be “allowed” to begin learning the piano at a certain age. Even better then, if someone in the family—a parent, older sibling or cousin—were to frequently play very charming pieces of the kind accessible to children. Pieces from the Romantic era are very suitable for this purpose (e.g. Fϋr Elise & Doll’s Dream), should be repeated often and might even have stories invented about them. It is very natural that the child will aspire to play these pieces someday, and a united goal has been formed without duress.

When the long awaited birthday or predetermined date is come, the parent or guardian sets a time limit in which the child is allowed to practice the piano (concentration usually lasts 15-30 minutes so it is better to set too short a time than too long) and strictly enforces it. What happens after this point is too individual to generally state, but I think it is likely that practice will be less dreaded, more concentrated and the end will seem to come too soon. Eventually the child may become proficient enough that the proficiency itself will be a great motivation and make strict regulation of practice unnecessary.

The above scenario may strike some people as unusual and even unnatural. I am not instructing that the reader follow this method and neither will I discourage it for I see no harm in it. It should be remembered however that playing music is a privilege whatever our age or skill level. It should not be a thing to be suffered and should a child find a certain piece particularly odious, it may be for the better to change it for one that better pleases. If a child really despises the art, it may not be too harmful to allow him or her to give it up, for nearly everyone who gave up playing the piano at a young age lives to regret it and it is never too late to begin learning again with the knowledge of years lost as a valuable lesson learned.

Related posts:

• Under the Weather – Recommended Reading
• Motivating Children to Practice Music (Part 3)
• Motivating Children to Practice Music: Introduction
• Tuning Your Own Piano: A Skill With Many Unexpected Benefits
• Motivating Children to Practice Music (Part 4)

Originally posted 2008-02-21 19:57:34.

Vinegar is the frugally-, environmentally- and health-minded person’s best friend. Vinegar derives its potency from acetic acid, CH3COOH. The acidic nature of vinegar gives it the ability to kill bacteria, dissolve unwanted substances, and kill and deter insects and pests. Keep in mind that vinegar will corrode certain metals if not wiped away promptly. Because vinegar is very potent, test a small spot or do a little research before using on delicate or very costly items. Here are a few suggestions for saving money and your health by substituting vinegar, which can be had for as little as $2.50 a gallon at your local supermarket, for common cleaning agents and pesticides around your house.

• Killing and deterring ants. In order to be effective, you must spray ants with undiluted vinegar. DO NOT WIPE AWAY THE DEAD ANTS. I find that ants only stop coming if you leave the bodies for their fellows to carry away and a lingering sour smell. Spray doors, windows, and perimeters of beds with vinegar.
• Spray flying or crawling insects. This is more effective than a fly swatter because flies don’t think they have to flee from a spray of “water”. It’s also nice to not have smeared insects or poison in your house.
• Removing water stains from glass, bathrooms, dishes, fish tanks, dish racks, etc. Hard water deposits are alkaline (basic) and vinegar being an acid will break them down.
• Removing tea and coffee stains from cups and teapots. Spray and let sit for a minute, then wash as usual. This is also useful for very greasy cookware or burnt grease.
• Washing dog dishes which are often coated with a thick layer of slimy saliva that is not easily removed with dish detergent.
• Disinfecting sink drains, shower drains, and your throat. When drinking, dilute with water and add honey. Honey is not necessary for drains.[ad]
• Cleaning windows. Much cheaper than window cleaners.
• Removing stains from fabric and carpets. Can be added to laundry.
• Polishing varnished wood and other surfaces.
• Clearing drains. Pour baking soda down the drain and then add vinegar.
• Cleaning your pets’ ears. Swab with a vinegar and water solution.
• Cleaning and conditioning hair. Mix with shampoo to remove styling products and excessive oil. I once read that vinegar contains enzymes which are good for hair.
• Deodorize your pet. Mix with shampoo and wash. May be good for pets with skin problems, but you may want to check with your vet in case certain conditions makes skin sensitive to acid. Undiluted vinegar is not recommended for cats as they have very thin skin.
• Soak your feet. Kills bacteria and odor and helps remove old skin cells.
• Polishing coins. We did this in 6th grade science class.
• Making a bang. Fill a small Ziploc bag with vinegar. Put baking soda in a smaller, unsealed plastic bag. Put the small bag inside the Ziploc bag. Seal, shake and throw. The bag expands with the gas produced by the two substances and explodes with a bang. Rather an exciting event for a kid.

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Related posts:

• May 2008 Finance and Frugality Blog Carnivals
• Two Natural and Economical Ways to Shed Dry Winter Skin
• Fast & Frugal Recipe: Chilled Noodles With Peanut Sauce
• Chilled Asian Style Noodles with Spinach and Garlic Sauce
• Economical Pet and Child Safe Ways to Repel and Kill Ants, Spiders and Other Insects

Originally posted 2008-05-18 17:47:29.

Just a reminder for our American readers that new and increased USPS (United States Postal Service) postage rates take effect this coming Monday May 12th, 2008. If you are planning to ship any packages via USPS, now is the time to do so – today Friday May 9th or tomorrow Saturday May 10th – especially if you will be shipping a lot of items.

Below is a quick overview and reference for the various shipping options taken from a prior article I wrote back in February, Save by Knowing Your Shipping & Mailing Options, but with added info and updated rates that will take effect May 12th. (If you are new to this blog, be sure to check out the above referenced post for tips on how to save on shipping and why you should be aware of your shipping options rather than relying solely on postal clerks to advise you.)

A few items of note:

• Express Mail is switching to a zone-based system with lower rates for closer destinations, so the new rates for some weights and destinations may be lower than current rates.
• Printing postage online can save you time and money; Priority Mail postage printed online can save you about 3.5% and Express Mail 3%.
• Purchase your Forever Stamps before Monday if you do a lot of mailing to save one cent per stamp. However, if you don’t do all that much mailing – i.e. by paying all your bills online (we’ve only used about half of a 20-pack I purchased last May) – it might be wiser to not stock up on a lot of stamps if you have a tendency to misplace them.

USPS Package Shipping Options

• First-Class Mail
  • Time: 2-5 business days
  • Cost: Starts at $1.17 for 1 oz. up to $3.21 for 13 oz.
  • Description: This is a good option for small and light-weight items including a single book or DVD with a total weight (envelope + item) up to 7 oz. as it would only cost you $2.19 as opposed to the 1 lb. Media Mail Rate of $2.23, and is faster than Media Mail. Using a padded envelope is highly recommended to prevent damage to the book or DVD.
• Media Mail (Book Rate)
  • Time: 2-9 business days
  • Cost: Starts at $2.23 for 1 lb. up to $26.38 for 70 lbs.
  • Description: Can be used for “books, film, manuscripts, printed music, printed test materials, sound recordings, play scripts, printed educational charts, loose-leaf pages and binders consisting of medical information, videotapes, and computer-recorded media like CDs and diskettes”, but cannot contain advertising.
• Parcel Post*
  • Time: 2-9 business days
  • Cost: Starts at $4.55 for 1 lb. and increases with weight and distance (zones)
  • Description: Can be used for general shipments of gifts, merchandise, etc. You will need to use your own packaging (free Priority and Express Mail boxes cannot be used for Parcel Post).
• Priority Mail*
  • Time: 2-3 business days
  • Cost: Starts at $4.80 for 1 lb. and increases with weight and distance (zone)
  • Description: Can be used for general shipments of gifts, merchandise, etc. You can also mail small, non-fragile parcels that will fit in the Flat Rate Envelope for $4.80 regardless of weight. While the 2-3 days estimated delivery time isn’t guaranteed, in my experience, Priority Mail is almost as fast as Express Mail. A package from California to most destinations is 3 business days, but some packages to New York City have been delivered in as quickly as 2 business days, delivery to Texas is almost always 2 days. Occasionally a package to destinations such as Georgia may take 4 days, and only one package in the past 3 years took 1 week.
• Express Mail*
  • Time: 1-2 business days
  • Cost: Starts at $12.50 for 1/2 lb. and increased with weight and distance (zone)
  • Description: Guaranteed on-time delivery by USPS. If your package isn’t delivered by the guaranteed date and time, you are entitled to a refund of the postage you paid. Also includes up to $100 of insurance against loss or damage. I only suggest using Express Mail if the delivery date is of vital importance. Otherwise, I have found Priority Mail to be almost as fast and much less expensive. If you live in more outlying and remote areas, Express Mail usually takes 2 business days.

*Zone-based. Go to http://postcalc.usps.gov/Zonecharts/ and enter in your zip code to get a Postal Zone Chart based on your zip code.

A Note About the Priority Mail Flat Rate Box

USPS is always trying to promote the Priority Mail flat rate box and telling us how much time and money we can save by using it. In my opinion: Time – possibly. But money – not necessarily (again, refer to this article). Be sure you check the full rate chart and compare the actual cost of mailing your package via regular Priority Mail if you are really interested in saving money.

For example, you can still mail a 12 lb. regular Priority Mail package to a local zip code for $9.75. You can mail a 4 lb. package to a zone 3 zip code for $7.85. So spend a couple of minutes checking the actual regular rate before packing up the Flat Rate Box and you could save a few dollars.

In order to figure out the rates, go to:

1. Postal Zone Charts and figure out what zone your recipient’s zip code is in
2. Prices and Fees and see what the rate for regular Priority Mail (or even Parcel Post) is

The rates for the Flat Rate Priority Mail Boxes are as follows:

• $9.80 for regular size (11″ X 8.5″ X 5.5″)
• $12.95 for large box (12” x 12” x 5-1/2”)

More info:
New Prices Coming May 12, 2008
International Shipping Rates

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Related posts:

• Save by Knowing Your Shipping & Mailing Options
• Our Favorite Sources for Affordable Fabrics
• Beware of Fake IRS (Internal Revenue Service) Phishing Email Scams
• Frugal Travel Begins Before the Trip: Vacation Preparation Checklist
• Giveaway: TurboTax Premier Online (Free Federal, State Preparation & e-File – $85 value) to 2 Winners

Originally posted 2008-05-09 05:32:27.

From Our Fourpence Worth

• Father’s Day
  If you’re still looking for a Father’s Day present, many of our ideas from Frugal but Thoughtful Mother’s Day Gift Suggestions could also apply to fathers and father-figures in your life.
• Tax Rebate
  If you are truly interested in helping the US economy, check out Don’t Spend that Tax Rebate Just Yet for a few suggestions on how to and how not to spend your tax rebate based on an article by Liz Pulliam Weston of MSN Money.
• Motivating Children to Practice Music
  Take advantage of summer vacation to help your kids get ahead on their music practice and get the most out of your music lesson fees with some advice by Madoline, who majored in music and has had experience in teaching children’s piano lessons.
  • Motivating Children to Practice Music: Introduction
  • Part 2: Playing the Piano is a Privilege (Not a Chore)
  • Part 3: Playing Slower for Faster Results
  • Part 4: Divide and Conquer

  (If you like the image to the right, which is an original illustration by my sister Madoline, check out our CafePress store Mozartini for gifts and collectibles featuring this image and other artwork by the same hand.)

• Editor’s Picks
  We’re starting to get the hang of blogging (which was completely new to us when we started this blog in February), and have produced a few Editor’s Picks in recent blog carnivals:
  • The Frugal Literate’s Guide to Affordable Reading
  • Frugal but Thoughtful Mother’s Day Gift Suggestions
  • My Favorite Money and Time Saving Websites
  • Guide to Safe and Smart Traveling with Pets
  • Lottery Tickets: Worthy Investment or Waste of Money?
  • Simple Solutions to Staying Out of Debt

News from the Personal Finance Blogosphere

• Personal Finance Buzz
  Check out PF Buzz for lots of great personal finance articles and vote for your favorite ones — hint hint — my profile.
• Finance Fiesta
  Last Thursday (June 5th) saw the first edition of the Finance Fiesta blog carnival hosted at Master Your Card. This week (today), the Fiesta is being hosted at Wide Open Wallet and will be hosted by yours truly next Thursday. If you have a finance or frugality related article, be sure to submit it by Wednesday June 18th 5:00PM EDT to be considered for inclusion in the 3rd Edition of the Finance Fiesta!
• Summer Savings Series
  Money Life Network is running a Summer Savings Series over the course of 3 weeks with tips including but not limited to:
  • Ways to save on travel
  • Frugal activities for the kids
  • Ways to save on your auto expenses
  • Ways to save on groceries
  • How to get motivated to save

  Be sure to also check out my last article Frugal, Fun and Productive Summer Activities for some ideas for keeping cool, busy and fit this summer.

I promise to return soon with more scintillating material. Thanks for reading!

Please consider subscribing to our RSS Feed to keep up with new posts. If you prefer, you can also have new posts delivered directly to your inbox by Subscribing by Email.

Related posts:

• Tips for Staying Healthy This Winter
• Hosting the 3rd Edition of the Finance Fiesta Blog Carnival
• Hosting the 16th Finance Fiesta Blog Carnival
• Does Thinking About Money Make You a Bad Person?
• Closing Your Credit Cards Can Hurt Your FICO Score

Originally posted 2008-06-12 05:48:09.

Our freebies today are mini carrier gift bags in Wall Street Journal headline and print from the July 12-13, 2008 Weekend Edition. The headline reads: “Talks on Mortage Titans Continue.” This makes a cute gift or decorative item for a friend with interests in finance, newspapers and all things quaint.

In our sample pictures, we show 2 ways of making handles for these bags. One uses paper and the other uses twine or jute string.

These templates are provided for your personal, non-commercial use and may not be published elsewhere. If you want to share this with your friends, please link to this page. Please note that the content in the newsprint belongs to the Wall Street Journal.

For more free printable templates by Madoline Hatter, visit our Freebies category page.

If you enjoy our free printable templates, please consider a donation to help us produce more.

Regular Mini Wall Street Journal Carrier/Gift Bag Template

Click on the thumbnail images below to view and print.
Instructions are printed on the templates.

Tall WSJ Carrier Bag

Short WSJ Carrier Bag

Antique Style Mini Wall Street Journal Carrier/Gift Bag Template

Tall Antique WSJ Carrier Bag

Short Antique WSJ Carrier Bag

Related posts:

• Free Printable Templates: Holiday Snowflake Gift Tags, Treat and Mini Carrier Bags
• Free Printable Templates: Christmas Candy Stripe and Plaid Carrier Gift Bags
• Free Printable Templates: Gingham Mini Carrier Bags
• Free Printable Templates: Gingham Mini Gift Boxes
• Free Printable Gift Accessories by Madoline Hatter

Originally posted 2008-10-01 06:00:41.