Fwd: Frugal For Life Week in Review

March 10, 2007

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Hello Frugalistas,

Welcome to those who signed up from the Consumerist, and Get Rich

slowly and other places, glad to have you. There are more people than you

may realize who are looking for ways to save money (saving is at an all

time low in many, many years) reduce their spending and look for a few

ideas for making use of what they already have.

Frugal for life is primarily from my point of view so you will see those

things that are of interest to me. But there are things you won’t see. I

don’t garden (north facing apartment), I don’t have children and I don’t

own a home. Since those are not written about by myself, I would be more

than happy to give you a platform on which you can voice your frugal

experiences. Just email me and we can get it posted.

Thanks for subscribing and enjoy!

~Dawn C

This is my list of ways to save about $30 a month or a dollar a day. I've

got a 30 ideas, what ideas do you have?

* 30+ Ways to Save a Dollar a Day As frustrating as utility bills and budgets are - you can still laugh at it. * video- Water Waste and Budgets This weeks link conglomerate for debt, frugality, personal finance and green living opinions around the blogosphere * The Carnivals have Landed A few tips on things to do in the kitchen to cut down on waste and ways to save money * In the Kitchen Tips My updates on the things I have done recently to save money and find a good deal * update: Eyeglasses, Car Coaster, Coin The outcome of a recent poll (new one on the right side) and a few freebies for those cellphone users * Cell Phones and Freebies And assortment of links on hanging laundry, consumer info, fixing holes in denim and neat video on lightbulbs * Link Love 3.9.07 I’m not sure the forever stamp is the way to go, we already have something that is close to this, it’s a 1st class stamp. What do you think? * Forever Stamp or 1st Class Waste? Comic for the week ======== Support Our Sponsors ======== “The Money Mammals: Saving Money is Fun” DVD by Snigglezoo Entertainment helps teach kids to “Share Save Spend Smart Too” and that doing so can actually be fun. You can purchase the DVD and join the fun at The Money Mammals ******************************************************************** CoolSavings -is a leading consumer savings destination. The site offers printable coupons, online coupons, trial offers, and special daily savings opportunities. Leading national manufacturers have been using CoolSavings since February 1997 ************************************************************** Fico Scores/Reports - myFICO is the ONLY place where you can get your FICO scores, the scores that lenders use, from all three credit bureaus. ************************************************************** "My husband was dead set against me buying your book at first but when he found out how much we were saving on our groceries, he quickly became a believer. We're now averaging over fifty-one dollars in savings per week and we couldn't be happier." How A Family Of Five Can Feast On Thirty-Five Dollars a Week ============================ For the back issues of the Weekly Frugalforlife.com Newsletter go to...... http://www.ymlp.com/pubarchive.php?Frugalforlife Change email address / Leave mailing list Hosting by YourMailingListProvider

March 31, 2007

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Hello Frugalistas,

This is a late newsletter as my computer decided to not wake up any longer

and died a quiet death while I busy with other things. I mourn its loss but

am glad I can remove its brain and download it to a CD for further use. If

only we could do that with our own. (Reminds me of the movie Final Cut).

This week was short but interesting, a lot of input from you all on what

has been posted and I love to hear your thoughts!

Take care,

~Dawn C.

Post for the week

Assorted Link Love

Carnival Week

Poor Richard’s Wisdom

Common Tips to Removing Stains

Thrift in the Household: Chapter 2

Stone Money and the Yap Bank

It is amazing what you come across looking up something else entirely. I

never knew stone money existed and that the largest "coin" measures 12 ft

(4M) in diameter, the smallest is 3 inches

* Stone Money and the Yap Bank

The continuing chapter-by-chapter review of the book that is both useful

today as it was in 1918 and a little sexist.

* Thrift in the Household: Chapter

2

Sometimes your clothing pile consists of more PJ outfits than regular

clothes thanks to all the stains that have happened. Here are a few tips

to keeping the clothes looking good.

* Common Tips to Removing Stains

I’ve always heard sayings that are attributed to Poor Richard's

Almanack book –via Ben Franklin and I thought I would check out the

book from the library and take a look at it all. * Poor Richard’s Wisdom

The ubiquitous carnival links for the week

* Carnival Week

And my list of links that I find useful, helpful or thought-provoking

* Assorted Link Love

Comic for the week:

======== Support Our Sponsors ========

“The Money Mammals: Saving Money is Fun” DVD by Snigglezoo Entertainment helps teach kids to “Share Save Spend Smart Too” and that doing so can actually be fun. You can purchase the DVD and join the fun at The Money Mammals

********************************************************************

CoolSavings

-is a leading consumer savings destination. The site offers printable coupons, online coupons, trial offers, and special daily savings opportunities. Leading national manufacturers have been using CoolSavings since February 1997

**************************************************************

Fico Scores/Reports

- myFICO is the ONLY place where you can get your FICO scores, the scores that lenders use, from all three credit bureaus.

**************************************************************

"My husband was dead set against me buying your book at first but when he found out how much we were saving on our groceries, he quickly became a believer. We're now averaging over fifty-one dollars in savings per week and we couldn't be happier."

How A Family Of Five Can Feast On Thirty-Five Dollars a Week ============================

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October 27, 2007

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Hey Frugalistas,

It's good to be back with another newsletter. And I have

been blessed with some kind emails from you all, as I figure out what I

want to

be when I grow up and work 40 hours a week. So far, there are many irons

in the

fire and things are looking good.

This week there are 8 posts to read through, including a

couple more from you, the readers. I love what is sent in by you all, it

is

great to be able to get a peek into another persons idea of frugal living

once

in awhile. So if you have the desire to get your thoughts down, email me

and I

will get it posted for you and for all of us to read.

So without further ado,

~Dawn C.

When you get into a tight place and everything goes against

you, till it seems as though you could not hold on a minute longer, never

give

up then, for that is just the place and time that the tide will turn

~Harriet Beecher Stowe

Living on Less –Well

Being -

If you are one of the 15-20% that does not have health insurance, you are

living on less at much risk, whether voluntarily or involuntarily. No

matter if

you have an insurance safety net or not, you want to stay as healthy as

possible to keep the good well-being you will always want to enjoy.

Zero Cost Clothes Dryer -

Reader

Michelle resurrects the 'readers speak out' series with a way she handles

the

laundry.

7 Tips For Getting Through a

Job

Loss - I wrote previously about how you should stay busy and always have a small plan in place

Well, reader Diana sent me a few suggestions to us all for getting through

any

layoffs that may come our way.

for emergencies, like a lay off.

Topical Carnivals

10.22-23 - This

week's gathering of things green, frugal, personal and debt specific.

FFL List of Frugal-Simple

Books

- Reader Justine wanted to know what other books I found to be useful or

recommend, so here is my list with what I remember about the books

Second Hand Shopping Tips

- Here

are a few things I have learned from thrift / second hand shopping. Of

course

if you have anything to add, let us know in the comments below.

The Impact of Tracking

Debt –

A friend and I are going over her debts, with her approval I will share a

few simple

things we are doing that is helping her out mentally

Comic for the week:

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November 3, 2007

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HalloThanksMas

Frugalistas!

We are a third of

the way through the mega holiday season

(1/4 if you count New Years) and I just heard my first Xmas song on

Friday. It

is interesting to see how we move from “gimme candy” to

“gimme gifts” with a “quick

thanks” thrown in the middle. Obviously retails stores aren’t

finding the revenue

side of giving thanks, yet. But it is certainly something that should be

larger

in our lives.

On that note, I

would like to thank you all for your kind

words and thoughts, I have found a fulltime job and in speaking up to

others I

have come in contact with, I have my irons in a couple other fires. So a

big

thanks for your support and a heads up as I work my blogging into this

new

schedule. (Friday I didn’t post due to severe tiredness,

sorry.)

However, there are

some good things to read for this week,

from excuses to buy to advertising and watching tv online, plus there are

some

tips for cutting back on paper goods.

Also, I wanted to

get your ideas for polls that I can post

on the right side of the website – right now I’m drain bamaged

from my lack of

sleep and could use some ideas that you would like to see people polled

on.

Thanks.

Thanks for reading

and take care,

~Dawn C.

" The future, according to some scientists, will

be

exactly like the past, only far more expensive. "

~John

Sladek (science fiction writer)

Advertising Power - As

much

as I view the abundance of advertising to be overwhelming, there are times

that

you take a look at them and have to admire the effort put in for the

artwork

that they provide.

Landline or Cell Phone -

Based

on the response from the poll, it appears most of you who voted have both.

I'm

curious about those people who only have cell phones or who only have

landlines.

Living on Less –

Grocery Shopping

– The micro-series

ends with grocery shopping.

TV Shows Online for

Free - If

you've recently gotten rid of your TV or want to get rid of your TV, there

is

an alternative - TV online. Unfortunately, the main point for getting rid

of TV

for most people is to free up the time. So this may not be a great idea

for

you.

Excuses To Buy - In the

end

it comes down to the need to slow down, evaluate what is important

Topical Carnivals Oct.

29-30 –

This weeks gathering of posts on debt, frugality, personal finance, DIY

and

living green.

Which Comes First?

– I don’t

think this is as hard as the chicken or the egg controversy but chime in

with

your ideas on debt and savings.

Alternatives to Paper

Goods -

Buying paper goods is not something I enjoy doing. I think it is the fact

that

I see so much paper all around me day in and day out that I just hate to

add to

it if I can help it.

Links: Forums Full of

Help - This

week’s links are from forums that I check out every now and again.

There is a

world of help from a community of people. I have highlighted three that I

like.

Comic for the Week:

........... Sponsors ..........

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.............Thank You For Reading............>

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November 10, 2007

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Hello All of You

Frugalistas!

It is a

beautifully grey day today, I think it is beautiful

because I don’t feel like I have to go outside and enjoy it, but

instead can

feel guilt-free staying inside cleaning, organizing and catching up on my

to do

list.

If you are

cleaning your house, you may want to check out Botar’s Old Time radio

website. I

normally get semi- daily updates via news feed with a few radio shows to

listen

to each time; however, you can also go to the website and listen to them

through the computer. My personal favorites are X minus 1, Fibber McGee

and

Molly and Box 13.

This week I a

small drawing going on for a book I reviewed,

so check that out when you get that link.

Also, wanted to

let you know, if you decide this newsletter isn't what you thought it was

or just don't have time to read it, you can down on the bottom

of the letter and .

Once again, thank

you all for subscribing and welcome to

those who are new!

Take care,

~Dawn C.

" Red meat is NOT bad for you. Now blue-green

meat, THAT'S bad for you! "

~Tommy Smothers (one half of the Smothers Brothers)

A Season of Thanks

– With Thanksgiving

coming up, it is a good time to look around at ways you can help out. You

don’t

have to go with the ones I picked, just be aware of what you

support.

The Sample Store

–

This is

just a cool idea. Can you imagine going into a store that only has

samples?

The Poor Rich Kids

– Since

you can’t take it with you, perhaps we should remember what makes

us

truly wealthy.

Alternatives to Scraping Icy

Windows – I can’t believe I have to write about

this stuff already. But, it

has to be done.

Rent vs. Buying

Calculator –

Just in case you want to know if renting or buying is best for your

situation. Most

people know already, but calculators are still fun to play with.

Topical Carnivals November

5-6

– The gathering of posts for the week.

Taking a Look Back

– A new

weekly series that takes a look back on what I was thinking about when I

started this blog three years ago. Time flies when you talk a lot!

Hehe.

Get Satisfied – A

book review

from the Simple Living America crew about finding “enough” in

our lives. And a

drawing!

Comic for the week:

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.............Thank You For Reading............>

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November 17, 2007

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Good Day

Frugalistas,

Last Sunday I went

grocery shopping, one of the best tips I

got from my mother was taking a calculator with me. There are two reasons,

one,

to keep myself on budget and two, for figuring out cost per…

whatever. As I

walk around the store and pick up items I enter them into my calculator

and

round up to the next 50¢ when I do (I’d rather be over than

under). This allows

me to stay on budget, not be surprised at the checkout and put back

things

while I am in the grocery area instead of handing them to the checker and

they

become crushed or spoiled.

If a calculator is

too much of a hassle, make sure you make a

list of what you need at least and stick to it. Impulse shopping can

account

for up to 40% of what we toss into the cart. That’s a lot!

Take care,

Dawn C.

" I don't

need to spend money to bolster my own

esteem. "

~John Caudwell (From the article " Frugal

Billionaires”)

The Two Dollar Savings

Plan –

A co-workers way of saving money that she knows she won’t

spend

The Low-Tech Vacuum

Sealer –

This works for what I need and I don’t need to spend any money

– No freezer

burn either.

Festival of Frugality 100:

Remembering – I host the Festival of Frugality with multiple

submissions,

included are links to the bloggers very first post

popular post this

week, where a reader asks for help from you on how best to help (or not

help)

her friend out.

Comic for the week:

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Take a tour of Mvelopes Personal

- Mvelopes Personal is the leading online personal spending management system that allows you to easily view and control your finances anytime, anywhere.

.............Thank You For Reading............>

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December 16, 2007

See AOL's top rated recipes and easy ways to stay in shape for winter.

Hello Frugalistas,

This is a late newsletter, but the information in it is

never too late to read.

I eagerly anticipate the big finish to the holiday season

that is around the corner. This time of the year seems to be the busiest

with

traveling to and fro, going to a party here or there and making sure all

the ‘to

do' items on our lists are checked twice and checked off. Come January

2nd,

I will be ready to get back to a mundane week and figuring out where to go

for

summer vacation.

Until then, take a breather for a few moments and read

through the posts for the week from Frugal for Life and enter the contest.

And

by the way, you can now edit your comments if you misspelled or remembered

something else.

Thanks for reading,

~Dawn C.

Year 3 Anniversary Contest -

Sorry you don't have much time to get it in, I know you will come up with

something good.

Spousal Frustration and

Frugal

Living - A reader sent in a question wanting to get your thoughts on

how

best she should handle her spouse who has a different opinion of money at

times. What do you think?

Frugal Christmas Odds and

Ends

- Some frugal ways I am getting through the holiday season. What some ways

you

are finding that are saving you money or helping cut back?

Links for a Good Read - I read through

blog

posts and then I book mark them so that I remember to share them with you

all

if you didn't catch them the first time around. These are what I

book-marked

for this week...

Topical Carnivals December

10-11

- This Week's Hosted Carnivals and Festival on the related topics to diy,

frugal-living, debt reduction, green living and personal

finance

Sorting Plastic Containers - So

many plastic containers and so few uses; what do you do with the

extras?

Comic for the Week:

........... Sponsors ..........

10% Off Any Purchase at 39DollarGlasses!

(discount applied at checkout) - We pioneered the idea of buying eyeglasses online, at savings of 70% below retail. Thousands of happy customers, feedback has earned us the prestigious 5-Star rating in Shopping.

Take a tour of Mvelopes Personal

- Mvelopes Personal is the leading online personal spending management system that allows you to easily view and control your finances anytime, anywhere.

.............Thank You For Reading............>

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December 22, 2007

See AOL's top rated recipes and easy ways to stay in shape for winter.

Good morning frugalistas,

I hope this last weekend before all the traveling and gift unwrapping

finds you relaxed. If not, I hope the holiday moves quickly for you so

that

you can relax and beginning the new year with renewed motivation.

For myself, the new year is one of my favorite holiday. It's not about the

drinking or the resolutions or even the ball dropping on time square.

Instead, December 31 to me is like a friday before the weekend, but 100x

as

powerful. I have renewed hope over the things that I want to get

done

for the new year and new ways to do old things. The power of a new

begininng is better than all the caffeine in the world!

On that note, let's get this newsletter started.

Thanks for reading,

~Dawn C.

Forgot to mention - There will be no newsletter next saturday as

I will be taking a majority of the week off, but I will send out the next

super-sized newsletter on January 4.

Re-Gifting In 4 Simple Steps - There are four very

basic things to keep in mind if you are new to the re-gifting process and

last year I ran a poll of how many of you would be re-gifting an item

you received to someone else and out of 86 votes 52% of you said you

would be re-gifting. This year I am running another poll to see if that

has changed or stayed the same.

Amazon

Shipping and Credit Card Balances - Did You Shop For Gifts

Online? Double-Check Your Credit Card Balance as one reader has

learned.

Gevalia

Coffee Maker Program -I get those emails on occasion to try out the

Gevalia coffee maker and

coffee. My coffee maker isn’t heat up very well any longer and I

thought I would give this a try. I have considered this offer but I

wanted to run it by you all and see what you have experienced or

heard.

Junk

Mail Retribution - Don't forget, there are ways to get yourself off of

mailing lists and if that doesn't help, get just a smidge of

revenge.

Topical

Carnivals December 17-18 - Here are the carnivals and festival for the

week

Extending Soda Pop Pennies - On the rare occasion

I buy a 2 litter bottle of soda, I want it to last as long as possible.

What are your thought on ways to extend the life of a bottle of soda

pop?

Uses for

Dryer Sheets - If you are trying new ways to dry clothes and now have

an abundance of dryer sheets, what do you do with them? One reader

suggested emergency tp, which might be better than newspaper.

7

Secrets To Staying Slim, That Save You Money - It is amazing how

healthy living and frugal-living go hand in hand. As one reader commented,

it's all about the " discipline, discipline,

discipline " .

A Look

Back at Week 5 - This week I take a look back at all of the posts that

I wrote during January 16-22, 2005

-- And Simon at

debtconsolidationcare.com interviewed me recently, if you would like to take a

read through and check out his forum.

Comic for the week:

........... Sponsors ..........

10% Off Any Purchase at 39DollarGlasses!

(discount applied at checkout) - We pioneered the idea of buying eyeglasses online, at savings of 70% below retail. Thousands of happy customers, feedback has earned us the prestigious 5-Star rating in Shopping.

Take a tour of Mvelopes Personal

- Mvelopes Personal is the leading online personal spending management system that allows you to easily view and control your finances anytime, anywhere.

.............Thank You For Reading............>

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January 5, 2008

Start the year off right. Easy ways to stay in shape in the new year.

Hello Frugalistas,

Welcome to a new year of the Frugal for Life newsletter!

If you are new here, welcome and I hope you enjoy. If you have been

reading since 2005, 1)wow! 2)I'm glad you are sticking around and I'm

happy

to have you all as readers.

This newsletter will cover the posts from this week and the week previous,

and since there is a lot to read I will just hop to it.

Take care,

~Dawn C.

“The cheapest car you can own, in most cases, is the one you

already have in your driveway.”

~Finance Girl and Bear (quote from

Financial Fitness)

Starting from the oldest to the newest:

Uses For

The Fruitcake - I didn't get any this year (Thank God!) but if you

did,

here are a few ideas for you

A Little

Dab Will Do Ya - I

am consciously trying to change is my need to have all of it. Not in the

form of materialism, but in the way I use items, like the amount of food I

eat, the amount of toothpaste I use and the amount of water I shower

in.

I love the next series of posts, these are the submission that you all

sent in for a previous contest. I had to share:

Readers

Tips for Saving 100 Dollars

Readers

Tips for Saving 100 Dollars pt.2

Readers

Tips for Saving 100 Dollars pt.3

Readers

Tips for Saving 100 Dollars pt.4

Tallying

the Savings By Cooking at Home - A guest post by a reader as she takes

the small steps to understanding the impact of cooking at home. (Everyone

has to start somewhere)

Consumer

Reports’ 10 Ways to be Ripped Off - I loved their list of random

items, I thought I would pass it along to you with my thoughts as

well.

Buy or

Rent Movies? - My response to another bloggers post

10 Gift

Return Ideas - If you have been procrastinating about returning items,

you may want to take a gander and make sure you have everything in order

before you go.

Enjoyable Links 12.31.07 -Just a few links I liked

when I was catching up on my surfing, that I thought you would enjoy as

well.

Uses For

Coffee Cups - Have an over-abundance of coffee cups? Here are a few

ideas I have, I have decided to do #5 and the extra bonus.

Topical

Carnivals week 1.08 - In case you missed reading different viewpoints

on debt reduction, making it from scratch, frugality or personal finance -

this is the spot for you.

Marketplace Gets ‘Consumed’ - NPR's

Marketplace had a series back in November that I missed, if you missed it

as well, now you can catch up.

Home-Schooled At the Grocery Store - Growing up,

shopping wasn't about getting the new thing all the time, when I was small

it was about math class.

How Do

You Soften Ice Melt? - This is some information I found... what do you

do to soften ice melt, anything special?

Everything You Need To Know About Getting Free Product

Coupons- I enjoyed this article so much, I got permission to reprinted

it.

One

Person’s Impact - Sometimes seeing your impact is easier (with

pictures)

Comic for the Week:

........... Sponsors ..........

10% Off Any Purchase at 39DollarGlasses!

(discount applied at checkout) - We pioneered the idea of buying eyeglasses online, at savings of 70% below retail. Thousands of happy customers, feedback has earned us the prestigious 5-Star rating in Shopping.

Take a tour of Mvelopes Personal

- Mvelopes Personal is the leading online personal spending management system that allows you to easily view and control your finances anytime, anywhere.

.............Thank You For Reading............>

For the back issues of the Weekly Frugalforlife.com Newsletter go to...... http://www.ymlpr.net/pubarchive.php?Frugalforlife

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January 12, 2008

Start the year off right. Easy ways to stay in shape in the new year.

Hello Frugalistas,

I hope your new year has been off to a wonderful start. I have been

working with a friend to get through some of her debt load and we figured

out that she gotten a smidge over 20% paid off last year. It was a moment

of joy for her to see that all that hard work and the little payments here

and there, even with the occasional car issue or work hours cut, that she

can still whittle down the massive burden that she carries. Even though she

is the one doing all the hard work, I am very proud of her.

And if you also have been burning the night oil to lay you debt in a deep

grave - I encourage you also to see how far you have come, it is inspiring

and can give you a burst of energy for the long haul. To quote Confucius,

“It does not matter how slowly you go so long as you do not

stop.”

I wish you all the best in the coming year,

~Dawn C.

General

Budget Buying - The option to save money and buy good quality is out

there and there

are a few steps that will help you find it and use it wisely- for thrift

stores and for buying seasonally

Understanding Your Job Perks - Don't forget that

some of the discounts or perks you get with your job are factored in to

your job 'benefits', so check them out and consider using them.

Coupons

For Your Organic Lifestyle - I have gotten a couple of questions from

readers- check them out and find a few ways to expand your savings on

organic shopping.

Topical

Carnivals week 2.08 - This week's gathering of posts on debt reduction,

personal finance, green living, making it from scratch and frugality

Physically Healthy vs. Fiscally Healthy - There is

a common connection between being physically fit and fiscally fit, the main

one is being conscious of your surroundings and how you spend your

day.

Shower

Curtains and Soap Slivers - My practice to keep the bathroom clean and

a test 'tip' that didn't work out.

Linkage

for 1.10.08 - More cool links to articles, personal experiences and

information that I am passing on. From confessions of a customer service

rep to living in small spaces.

The

Price is Rising - The price will always go up as we get older,

yesterday will always be cheaper than today. But the truth is so will the

price for the time we have left on our lives.

Green

House Fun - Saturday's post of fun pictures and links

Comic for the week:

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Take a tour of Mvelopes Personal

- Mvelopes Personal is the leading online personal spending management system that allows you to easily view and control your finances anytime, anywhere.

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January 19, 2008

Start the year off right. Easy ways to stay in shape in the new year.

A good Saturday to you all!

This week has been an eye-opening one for me. I generally put off things

until the

weekend when I can focus without distraction, but in the meantime I find

that every

counter top (dresser, kitchen top, bed-side table) seems to acquire all

the

little things I need to get done. A book here that needs a review, papers

that need to be filed or trashed and other assorted notes to myself that

need my attention. I have come to the point that seeing those everyday

wears me out with thoughts that I need to get to them. So, to alleviate

this

annoying anxiety, I have found that putting it all in a drawer or cabinet

(out of sight) will allow me to focus on what I need to do during the

week, then when my weekend comes - I pull it all out and get started on my

to do list. It works for me at least.

I was looking over the posts for this week and found that I seemed to

follow a theme... the limitlessness of the information that is out

there on the web. It is amazing what information you can glean from

asking a question, reading a news article or taking a look at the world

around you with frugal glasses (mine were 22.80- but

that's another story).

Take Care,

Dawn C.

“Three Rules of Work: Out of

clutter find simplicity; From discord find harmony; In the middle of

difficulty lies opportunity.” --Albert

Einstein

Student Loan Tricks - Reader P.M asks for some

tips, tricks or tactics to getting rid of her student loan payments

quicker. 5 People have responded, would you agree or disagree with

them?

Removing Hands

Glued to Bedrails - I read this odd news and thought... well at least

the mother tried everything suggested by the superglue company.

Festival of Frugality Week 108: Quotable Edition - This week

I

gathered the entries sent in for the festival of frugality - there are

some

good ones in there.

Topical Carnivals 3.08 - These are the

other hosted entries on green living, DIY, personal finance and debt

reduction

To Buy

Local or Not - I am slowly understanding the impact of local buying,

but transition is slow going.

Digital TV

Transition for 2.09 - A heads up for those who are concerned about

whether they will loose their tv.

Linkage

for 1.18.08 - This week I enjoyed reading about simple living,

self-made millionaires and clothes pegs

If you would like to transition over to a feed reader, this is

the link that will help you. If you don't know what a feed reader is,

it is a way to get daily updates of websites via one location (like

google.com homepage -igoogle) without having to use your email.

The

Sparse Room - The picture for the weekend

Comic for the week:

........... Sponsors ..........

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(discount applied at checkout) - Have ordered from them several times and been very happy with the results. Once one occasion a pair of glasses went missing in the post, and they promptly resent them. Good prices and quality - I couldn't be happier.

Take a tour of Mvelopes Personal

- It took me a while to get the hang of it, but now that my hubby and I use mvelopes together, we actually live within our means AND we are paying down debt faster than we ever have.

.............Thank You For Reading............>

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January 26, 2008

Who's never won? Biggest Grammy Award surprises of all time on AOL Music.

Hello Frugalistas,

Want to be part of a class action lawsuit and see if you qualify for some

money back on jewelry you have bought in the last 14 years? There was a

lawsuit settlement of $295 million with DeBeers (the diamond

company), who were overcharging on stones, and they now haw to pay back

money to people who have bought mixed gem/diamonds between January 1994 and

March 2006.

There is a handy table (pdf) that has the percentage breakdown on

what you may receive based on the cost of the item you purchased. It is

good to get your receipt in case they ask for it. I called up the store I

bought mine from and they were able to pull the receipt for me again (I

bought mine 12/2004).

There is a chance that the percentage would go down as more people put in

their claims. Another downside is that if your percentage, works out to $10

or less, you would not get a check cut because of the processing/admin

fees. Also, those outside the US would not be included. But here is a good

list of Frequently Asked Questions to go through.

It is a nice little bit of money if it all comes through. If not, nothing

lost.

Thanks for Reading,

~Dawn C.

Even if there is nothing to laugh about, laugh on

credit.

~Author Unknown (Post: Laughing Poor)

This Week's Post:

Debt Reduction and Credit Scores-The

continueing adventures of a friend of mine as she drops her debt and

understands the impact on her credit score.

Tweaking

Gas Mileage - I am a little freaky about my cars miles per gallon; I

have it down to a science for each vehicle I drive.

Quoting:

Living More with Less - I consider this book one of the top three books

that influenced me into understanding frugal living and changing my

attitude. This is a different kind of review... I pulled out the things

that I highlighted as I read the book.

Topical Carnivals 4.08

This week’s carnivals and one post from each that jumped out at me

Carnival of Debt Reduction - post: Small Savings Add Up and Here’s The Proof

Carnival of Personal Finance - post: Being Cheap is Bad For Your Health!

Carnival of the Green - post: Living in a Material World

Make it From Scratch - post: Dishwashing With Clothes

Festival of Frugality - post: Does Living Frugally Provide Security, Opportunity and

Freedom?

Teaching

Budgets to Pre-teens - One way a parent is teaching their girls how to

spend money and live frugally. My own parents did this with me as well.

Shopping

Savings in 11 Steps - The easiest and quickest way is to get into the

frugal living spirit is to take action with these 11

steps

Senior

Savings on Social Security - There are a few places to go and check on

ways to save money while living on social security.

Comic for the Week:

........... Sponsors ..........

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(discount applied at checkout) - Have ordered from them several times and been very happy with the results. Once one occasion a pair of glasses went missing in the post, and they promptly resent them. Good prices and quality - I couldn't be happier.

Take a tour of Mvelopes Personal

- It took me a while to get the hang of it, but now that my hubby and I use mvelopes together, we actually live within our means AND we are paying down debt faster than we ever have.

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February 2, 2008

Who's never won? Biggest Grammy Award surprises of all time on AOL Music.

Good Morning Frugalistas,

I will make this short and sweet so that I can get back to sleeping off

this sickness.

Lots of money savings tips this week, no matter how good or bad your new

year's resolution is going, there is always a place for adding in a new way

to save money.

Take Care,

Dawn C.

“The first step towards getting

somewhere is to decide that you are not going to stay where you

are.”

Refrigerated Perfume, Cereal Brands and Life of

Bread - Questions that have been asked over the last few months.

Topical

Carnivals 5.08 -A great way to find out what other blogs, like my own,

are out there.

The BIG

list of tips to save money - Ok, it's not huge, but it is a start. I

could easily find more for 4-5 more lists

A Diet

to Something Better - A diet is a simple way of describing a form of

sacrifice. A diet gets to a goal. Once at that goal, it is up to us to

decide how much we will loosen the restriction.

Beating

the Average Monthly Energy Bill - To me, frugal living is about having

a challenge. Eventually I will get to point where I can't comfortably go

further, but the trip is fun.

Phantom

Loads in Real Life - Removing all phantom loads from my life is a great

way to reduce the energy bill, but is really worth it ?

Comic for the week:

........... Sponsors ..........

10% Off Any Purchase at 39DollarGlasses!

(discount applied at checkout) - Have ordered from them several times and been very happy with the results. Once one occasion a pair of glasses went missing in the post, and they promptly resent them. Good prices and quality - I couldn't be happier.

Take a tour of Mvelopes Personal

- It took me a while to get the hang of it, but now that my hubby and I use mvelopes together, we actually live within our means AND we are paying down debt faster than we ever have.

.............Thank You For Reading............>

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February 17, 2008

Delicious ideas to please the pickiest eaters. Watch the video on AOL Living.

Good Morning, Afternoon or Evening!

The weather is starting to warm up a bit and I think it is

a good day to start cleaning out the closets and getting rid of items that

I haven't used in a while. The hardest part is deciding weather to sell

something or just give it away. I've always been pretty good at pitching

stuff, much to my room-mates dismay (don't ask her about the many of the

books that 'disappeared'). I put up a poll on the right side of my site to

find out what you do with most of your sorted stuff.

I came across a wonderful quote, for today, hidden away in

my email from another blogger.

“Don’t

waste money, don’t accumulate a lot of

things you really don’t care about. When you are the gift

giver, find out what someone truly wants, even it sounds

dull to you. And if you are the lucky recipient, think long and hard about

what is important to you.”

~Carol (Journey

to Simplicity)

One thing that I noticed when reading through my favorite

book, Tightwad Gazette, that she re-uses A LOT of stuff. My mom does that

as well but then she comes to a crisis point at times where it all just

became clutter. It is a fine line to walk between Frugal

Living and Cluttered Living in my opinion. How do you all decide on a

cut-off point?

One area of clutter can be the coin jars that are

accumulated, although Mary Hunt spoke recently about a man who

bought a truck with all his coins, most of the time we don't have a

purpose for them. You may want to check out your coins a little closer

while watching tv because you never know How much

your coins are worth?

After I have gone through my clutter for today and I decide

that I will sell an item, then I have to decide what I can get for it.

Sadly it is rarely half of what it was bought for. This is a very good

reason to buy second-hand, because most of the time you are good if you

can

get 30-40% of what you paid for it. So much of our stuff is pretty

worthless and yet we are still paying for it on a credit card years later

(with interest!). Essentially it is like a rent-a-center financing with

our

credit cards.

Having credit card debt is like living in a special kind of

hell. But there is A

Snowball in Hell chance that you can get yourself out. It means

cutting

back or cutting out on something and using that money to roll, like a

snowball, into your debts. I tried to explain this in the post, I hope it

is understandable.

Ya know, I think the best thing about cleaning out my

clutter is the opportunity I have to organize my stuff. I now know where

everything is and I can get to it without tripping over something else.

There are a few ways that Organization

can Save Money, if not time, in the long run.

On a completely different topic, the Carnivals and

Festivals are up for this week. If you don't know what one is, it is a

traveling weekly showcase of the best blog articles on a given topic, and

each one covers - Green living, frugality, debt reduction, making it

from scratch and the more general, personal finance.

And finally, if your new year's resolution was to get more

fitness in your life.. how's that going? I'm just starting mine, now that

the weather is better and I was doing some research and reading on whether

I should go to a gym or get it for free. Through all of this, I came

across

some questions to ask myself -Exercise Free or

Gym Membership

Ok, one more:

My Heart Got

Broken Today

“I

first saw

him when I was in college. We met through one of those computer

services and I was told he was generous and the type who would be there

whenever I needed him.

“He was

very

bright and a real card, but my friends warned me he was nothing but

plastic. Nevertheless, we began to go everywhere together … C.C.

bought

me dinners, jewelry, expensive clothes — almost everything I

desired!

“A month later I met Bill, who was waiting for me

when I went to

pick up my mail. He seemed nice at first, but when I asked him what his

interests were he said 21.6% … It was evident that all he was after

was

my money. To make matters worse, Bill said C.C. would never go out with

me again if I didn`t pay — the two had their little trick planned

all

along.”

Have yourself a beautiful weekend!

Take Care,

~Dawn C.

Comic for the week:

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February 23, 2008

Delicious ideas to please the pickiest eaters. Watch the video on AOL Living.

Hello Frugalistas,

Welcome to this week's Frugal for Life newsletter! This week I have

a cornicopia of ideas frugal related. From the more serious, debtors

anonymous to the lighter side, songs that inspire a frugal or simple heart.

Most of all - read, enjoy and glean what you can from the posts and from

comments of other readers.

Thank you for subscribing,

~Dawn C.

Time is the coin of your life. It is the only coin you

have, and only you can determine how it will be spent. Be careful lest you

let other people spend it for you.

~Carl Sandburg (1878 - 1967) Poet,Historian,Novelist and more

To start this all of, reader Tricia wrote asking my advice on some

'legit online survey' that I may know of. Here is what I have found to be

useful for making a little extra money (or gift cards). Don't forget to

read the comments and see what other readers has found helpful as well. -

Legit Online Surveys

and More

If you are tired of the size of your freecycle group or the greedy people

wanting brand new Xbox 360 consoles, there is a possible alternative -

Freecycle Alternative: The ReUseIt Network -Check it

out and sign up if there is one in your area, or start your own.

Think your vehicle will make it to 1 million miles? One guy put that much

on his truck and this is what I pulled from the article on how he did it

and more - 1 Million Miles of

Car Savings

If you need more to read besides my bloggy website, you can check out the

links to the other carnivals/festivals that go on every week -Topical Carnivals

8.08

You've heard of alcoholics anonymous, narcotics anonymous and many others,

now there is a debtors anonymous that is available for those who desire a

group to work with. Read more at Do You Need Debtors

Anonymous

Garage/yard sales aren't for everyone, but there are some myths

(excuses)out there that stop us from being more frugal and saving money.

The comments are great to read as well, some valid points are brought up.

Read it at Myths of Garage Sale

Shopping

Some additional reads:

Buy a Shredder

Lyrics for

Simple and Frugal at Heart- add your own if you think of

any

Comic for the Week:

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March 1, 2008

Delicious ideas to please the pickiest eaters. Watch the video on AOL Living.

Hello Frugalistas,I wanted to take a moment to say thank you to

you all. I appreciate the time you set aside to read the little posts that

I write, it is always nice to know that there is someone out there is finds

what you do of interest. Thank you as well for all the readers who send

little comments back or tips that they would like included. Thank you to

those who write to me with their questions, I may not know all the answers,

but I have many readers that will pass along their 3¢(inflation) worth to

those who ask. I learn at least one new thing a day, whether if

it is hearing another's perspective that differs from mine, learning a new

tip or just figuring out how to organize my life each day. I

think that is what is so wonderful about all of this, these new

experiences, learned habits and eye-opening moments make for quite a life.

Thank you all for adding more spice to mine! Take care,~Dawn

C. It is imperative that we make consumers more aware of the

long-term effects of their financial decisions, particularly in managing

their credit card debt, so that they can avoid financial pitfalls that may

lead to bankruptcy. --Daniel Akaka (US senator of Hawaii)A short

list of posts for this week:14 Quick

Tips for Shopping, Cleaning and the KitchenImpending Financial Doom, Burnout and LifeLock11 Keys

for Savings On GroceriesTopical

Carnivals Week 9Spring

Cleaning the Natural Way Comic for the

week: .......... Sponsors ..........

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March 8, 2008

It's Tax Time! Get tips, forms and advice on AOL Money Finance.

Hello Frugalistas,Tonight, before you go to bed, set your clock ahead an hour so

that you won't be running late."In the U.S., 2:00 a.m. was

originally chosen as the changeover time because it was practical and

minimized disruption. Most people were at home and this was the time when

the fewest trains were running. It is late enough to minimally affect bars

and restaurants, and it prevents the day from switching to yesterday, which

would be confusing. It is early enough that the entire continental U.S.

switches by daybreak, and the changeover occurs before most early shift

workers and early churchgoers are affected

.. For the U.S. and its territories, Daylight Saving Time is

NOT observed in Hawaii, American Samoa, Guam, Puerto Rico, the Virgin

Islands, the Commonwealth of Northern Mariana Islands, and Arizona. The

Navajo Nation participates in the Daylight Saving Time policy, even in

Arizona, due to its large size and location in three states."If

you want to read and understand more about

Daylight Saving Time.I have 6 simple posts again this week for

you to enjoy. There is the silver lining of a recession; does gender have

an influence in how we buy (question posed by a reader); ways to save money

in the laundry room and links to cutting corners without sacrifing, plus

more cartoons to laugh or groan at. Enjoy!Thanks for reading and

take care,~Dawn C. Quote: "The easiest way

for your children to learn about money is for you not to have

any."~Katharine

Whitehorn Recession’s

Silver Lining - Yesterday I heard on the radio how this will be "a good

thing for the spendthrift gen X'ers and Gen Y'ers since they haven't been

through a down turn". It will be interesting to see if all age groups of

American spendthrifts will be able to prioritize their spending for their

wants and needs.Gender,

Shopping and Frugality - Reader Claire passed along some observations

on gender and shopping. How do you perceive how the genders shop and

save?Saving

Money in the Laundry Room - A batch of tips for saving money, one room

at a time.Cutting

Corners Without Sacrificing - A list of links from around the web

dealing with container gardening, finding coupons, ways to cut back so it

doesn't hurt and a contest to boot.Tax Rebate

Political Cartoons - I'll let the artists speak for

themselves.And if you are a regular reader of the weekly carnivals

and festivals - here are the Topics for Week

10 Comicstrip for the week:.......... Sponsors ..........

Fill your Eyeglasses Prescription online! Complete Pair of prescription eyeglasses - frame AND lenses - for !

Print REAL coupons from your computer at CoolSavings! Just click here!

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March 16, 2008

It's Tax Time! Get tips, forms and advice on AOL Money Finance.

Hello Frugalistas,It's Saturday again and that means it is

time to send out this newsletter to you all and get your thoughts on the

topics below.I also wanted to get let you all know that in May I

will be taking a vacation from from posting for a good couple of weeks and

am looking for at least 10 people who would like to write in my place. You

are all so quiet and I know with almost 3000 of you reading this, that you

have to have some unique experiences and ideas that other would find of

interest. Writing isn't to hard, it's the grammar that is the most

difficult to master and I have a couple of editors that peruse the posts

and site to catch any (except this newletter). So don't worry about your

spelling/grammar.Write whatever you want from your favorite frugal

tips to thoughts on a local news story or your own ideas. I only

request that what is written stays in keeping with the general idea and

atmosphere of the site. I will need to get these posts in by May 15th, so I

have time to get them ready before I leave. That gives you two months to

think about what you want to write.And if you need any other

incentive - The newsletter is received by almost 3000 people and the site

has over 4000 unique readers a week. Plus your post will be viewable on the

front page for a good 3 days. One way to get your name and blog/site out

there.Ok, now we move on to this week's posts. The most popular post

this week appeared to be 'Tiny Rooms. Tiny Homes.' One way to force

yourself to declutter!Take Care,~Dawn

C. “If we had no winter, the spring would not

be so pleasant: if we did not sometimes taste of adversity, prosperity

would not be so welcome.” ~Anne

Bradstreet (17th century poet) Tiny Rooms. Tiny Homes.- From 100 square foot

room to 96 square foot houses, would you dare to voluntarily live in such

small quarters? In the comments, one couple is living in a 300 sq. ft

home.Thrift Shop Treasures- I think it is very cool

to read about different treasures found in thrift stores (or yard sales)

and thought I would gather a few together over the last year.One Couple’s Philosophy on Dumpster Diving and

Recycling- Speaking of finds, this couple scouts out dumpsters

for great finds on food, furniture and more. Read about their philosophy

and check out their site7 Little Hacks to Saving a Bucket Full- These are just a few of the easiest ways to save a

little money and build up a small bundle of money for either a goal or a

rainy day.Topical Carnivals Week 11- This week's listings

for the gathering place of posts on personal finance, debt reduction,

frugality, living green and making it from scratch. Check them

out!Buy Nothing Day, Everyday- Instead of just one

day a year to buy nothing, why not make it a goal for every day (in the

same vein as the Compact

Group)Lessons Learned from the Depression- In

Sevier county, Utah, a group of residents gathered together to talk about

what they learned from the economic depression of the 1930's - I grabbed a

few things that stood out to me, but you can read the rest at the

site.Comic for the week:

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April 13, 2008

Dawn C <frugalforlife

cyndikrall

Sat, 12 Apr 2008 2:49 pm

Frugal for Life Week in Review

Hello Frugalistas,

Sorry last week was missed, I was waiting for my month's renewal to kick in for the newsletter service I use. It's all good now.

How was your weekend? I hope it went well, perhaps even relaxing or maybe a learning experience. My weekend was relaxing, a lot of downtime and rest; I guess I'm a homebody, which isn't a bad thing, just think of all the money I am saving by not driving.

Last week I read about depression era recipes, how households were run in 1832, a few tips for searching for a used bike and I even learned a few things along the way. This week, I pulled together a few resources for finding thrift stores, found a couple of site for checking on car warranties, and even revisited the documentary from Frontline about the secrets of credit cards. I hope you enjoy and thank you for reading!

Take care,

~Dawn C.

"Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver."

~Ayn Rand

Depression Era Recipes - Food prices have risen and that got me wondering what kind of recipes are out there that originated from the hard times of the 1930's and 1940's. I thought I would pass along some interesting ones I came across in the book, "Stories and Recipes of the Great Depression of the 1930's".

The American Frugal Housewife -"DEDICATED TO THOSE WHO ARE NOT ASHAMED OF ECONOMY."

This book is a free download and an interesting read from 1832, some things haven't changed that much, others have.

The Lessons that We Learn - Here is a letter to myself about what I have learned, am learning and will continue to learn about.

Carnivals and Festivals for week 14

The links that caught my eye for the week, from traveling in an RV to a vacuum that won't break. (really, that is what they call it!)

Searching for a Good Used Bike - If you are searching for a good used bike to increase your exercise or decrease your driving time, there are few things to consider before plunking down any money.

Listening to Those Who come Before - If you have ever been to the website, Waltonfeed, I would suggest checking it out, some interesting stories and information, you never know what you may read that can be useful.

Dental Health, Used Goods and Browning Meat - Reader Justine passes on some good dental health information and some other links I found of interest.

Car Warranties Adjustments - Recently I got my Crown Victoria fixed because there was a recall on my cruise control. You might want to find out if your vehicle has anything that needs fixing that the manufacturer would be paying for.

Finding Thrift Store Locations - A list of resources for national and regional thrift store chains, including some websites you can check out for a few out of the way locations as well.

Frontline on the History of Credit Cards - A good series of reports from Frontline along with good facts from the website.

Topical Carnivals week 15 - This last week's â€˜episode' of carnivals that were hosted around the web.

Comic for the week:

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April 21, 2008

Need a new ride? Check out the largest site for U.S. used car listings at AOL Autos.

Hello Frugalistas, I hope your week was enjoyable. We

are a few weeks into spring here in Colorado and we still got some snow

this

last week, not that it stuck around very long (in the lower

elevations). Six posts for this week, from

letters you can write to dispute or verify items on your credit report to

things you can buy that may save you money. Not much else to say;

so onward with the posts.... Dawn C. "It is

good to have money and the things that money can

buy, but it's good, too, to check up once in a while and make sure you

haven't

lost the things that money can't buy." ~George Horace

Lorimer (editor-in-chief of The

Saturday Evening Post from 1899-1937) Letters for

Fixing a

Credit Report - While going through my bankruptcy a good ten years

ago, I

found a great resource for understanding my credit report and how I could

fix

it. I thought this might be helpful for someone else as well. Store Brands vs. Name

Brands - There are two things I take into consideration when in

determining

if I will buy a store brand or a name brand item...Price and Value.

What

a Picture is Worth - Did you know you can carry dozens of eggs on a

motorbike or a even pigs? There are some pictures to see to believe. Also

check

out a fridge that uses no electricity or a photoset of 15 pictures from

the

book, Hungry Planet - in case you haven't seen the book yet. Buying

To Save Money - 10 things that savingadvice.com suggests you can buy

that

will save you money - and my experience, or lack of it, in using them.

Topical

Carnivals week 16 - The weekly posting of carnivals around the web

that

relate to frugal living The

Uncluttered

Life of 1939 - Your moment of zen. Comic for the

week:

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April 25, 2008

Need a new ride? Check out the largest site for U.S. used car listings at AOL Autos.

Hello Frugalistas,Getting this newsletter out a little

late as I work a bit of overtime at my job to get some extra cash for souvenirs for the upcoming vacation I will be going

on in May. I also wanted to remind you that I am still gathering posts from

any readers who would like to fill in while I'm gone. I've gotten a few

(and I thank you), but I have room for more if you are interested in

writing something pertaining to frugal living or simple living or their

nearest cousins. Just send your submission by either replying to this

email or mail it to frugalforlife. Thanks.Not much else is

going on, I recently caught one episode on tv of "I

Will Make You Thin" that NCN turned me onto and I think the first one

was the best. I am putting the 4 rules into a habit in my life, it is hard

with somethings. The smaller portions isn't as hard as slowing d-o-w-n

while I eat. I have to keep telling myself to put my utensils down... I

think I have lost, I rarely weigh myself, but my clothes are

looser.That's all I can think of to write... Take care,~Dawn

C. "Silver and gold are not the only coin; virtue

too passes current all over the world."~Euripides (480-406

BC) 4 ways to waste

gas money - I received an email recently about ways to save money

on gas and though I have heard of these before I thought I would go through

each one and give my opinion. A few others gave theirs as well, especially

whether you save money filling up in the morning or not.Future

Social Security Estimates - Around my birthday each year I get my

social security estimate for the future, it looks good but it is DEFINITELY

not something I want to count on.Ethylene

Gas, Detergent Caps, Simply Living and Slow Cookers - Some links I

found of interest. I didn't know what ethylene gas was, but it is produced

when fruits and vegetables hang around for too long.US

Dietary Standards, Then and Now - Speaking of food, do you think

government dietary standards have changed much in the last 50 years? It

doesn't appear to have changed.Free Audio

Resources - This was my favorite list of resources to put together.

If you have any to include, pass them on through the comments or email

me.Topical

Carnivals Week 13 - The weekly gathering of posts pertaining to

certain topics.4 Keys to

Accessing Lost Money - Woohoo, I finally found a decent amount of

money! I check every year in all the states I have lived in (CO, IA) and I

never find anything good, this time my name and address popped

up. Comic for the week:

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April 28, 2008

Need a new ride? Check out the largest site for U.S. used car listings at AOL Autos.

Hello Frugalistas,Spring is a moment of rebirth, the trees

grows new buds, animals come out of their winter slumber and those of us

in

cold winter areas are glad to see the green gras underfoot. This spring is

a time of change for myself as well.. to start with this newsletter will

be

dropping down to twice a month because my posting on frugal for life will

be dropping as well.If you have a post you would like to submit, I

am still taking submissions for my upcoming vacation in May. I just need

them it by May 15th. Thanks.This week is tip heavy, just a

gathering

of some tips that I found of interest and thought you would as well.

Enjoy!Take care ~Dawn CThe Week of

Random Tips Day 1The Week of

Random Tips Day 2The Week of

Random Tips Day 3The Week of

Random Tips Day 4The Week of

Random Tips Day 5Carpet Remnant

Leftovers - I live in a complex where they are regularly tossing

out carpet remnants, I needed some uses for them if I was going to pick up

a few, here is what I found.Topical

Carnivals week 17- This week’s gathering of posts from

around the blog-o-sphere, relating to the following topics: Debt, Personal

finance, frugality, Make it from scratch and green livingCartoon of

the week:

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Fwd: Frugal For Life Week in Review

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