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I went to an AVON meeting and watched

March 16th, 2007 at 09:30 pm




It was Amazing!

AVON is calling...

February 18th, 2007 at 04:48 pm

I am going to shamelessly plug my Avon business. I live in Colorado Springs- so, if you want anything for yourself or to buy for a gift- visit my store.

www.youravon.com/meredithhale



BTW: Avon is going very well for me so far. Patience and motivation are key!

I'm Starting off the New Year with a new venture!

January 1st, 2007 at 01:56 pm

I'm now selling AVON....

I hope Avon will give me the other part of a full-time income I want to bring to the table. I would rather not have a fulltime job that requires childcare if i can work a parttime job and make up for the difference.

Wish me Luck!

Jasmin's First birthday!

December 1st, 2006 at 08:45 am

We had a scrapbooking (memory making) themed party where all artistically inclined guests were encouraged to make a 7"X7" page for Jasmin's groovy 1st yr scrapbook I bought for her birthday. It was a smashing success despite my worries.

Creamers for your French Toast

December 1st, 2006 at 08:43 am

I had a whimsical idea to use our soon-2-b spoiled vanilla half and half (creamer) for french toast to use up our older bread stash.

Voila! Flavored, no fuss breakfast! I bet any flavor would make tasty french toast.

Costume Cents! 30% off @ Target

October 28th, 2006 at 06:31 am

I bought this and next year's costumes on sale. I have to give myself props for my choice for her first ever Halloween.

Purrfect!


Here's a legit Program if you want to Donate money to a non-profit Organization

September 9th, 2006 at 09:09 am


Text is http://www.eastern.or.kr/eng/htm/home.htm and Link is
http://www.eastern.or.kr/eng/htm/home.htm

I was an orphan at this Agency back in the early 80s. So I'm here to assure you that this is a real, life improving organization. I've been periodically sponsoring a child at this facility since 2002. For me, while I was living on my own, without family ties, I derived a great feeling of purpose from reconnecting with my "past" and giving what little money I had to spare. Doing this- I reminded myself of the good heart I possess.

So- If you have an interest in Korean Adoption or helping Kids with special needs- please consider my old "shelter".

Juvenile Diabetes Research Foundation

September 9th, 2006 at 09:04 am

I intended on doing my local walk with my mom's group but since I will be working I can't. I've already donated $15 and gave another $10 today since I can't do it. It's a great cause and I cross my fingers that I don't have to deal with critical medical matters such as diabetes within my family.

Trash, Compost or Garden Treasure?

August 31st, 2006 at 09:25 am

Everyday Compost Materials:

Nonsynthetic Lint
Human & Pet Hair
Coffee & Tea (bags/filters too)
Egg Shells
Fish bones/Skin
Rusted/Broken/Bent Nails

"Trellises"

Baby Gates
Iron Gates/Fencing
Wooden Fencing
Iron Crib on it's side?
Wire CD Racks

Poles

Broken Billiard Sticks
Stair Railings
Shower / Curtain Rods

Containers

BookCases Horizontally
Shelves/File Cabinets Horizontally
Crates
Old Bathtubs / Sink
Pull Wagon
toyboxes
Drawers
Cabinetry
Wine Boxes / Storage
Guitar/Instrument boxes/cases
Trundle/Pullout beds
Barrels
Wheelbarrels

Ingenius Coldframe?

August 31st, 2006 at 08:45 am

I read a post on the "ThriftyFun Tips" newsletter I subscribe to about using those rooftop cargo carriers for cars for coldframes for winterproof gardening.

Well- my idea is to use an old, even rusted, barbecue gril. The "paint" should be nontoxic since we used it to cook what we eat. It already has heat trapping ability and a hinge top. Most barbecues have smoke vents on top which we could use to control the trapped heat/temperature inside. And for warmer nonfreezing weather, you could open the coldframe grill and just cover your plants with a modified/small plastic "rowcover". Plus- it's on wheels so it's easily moveable to where the sun is or isn't and it would be elevated off the freezing ground with snowcover.

The more I think of this idea (it's my original idea as far as I know)- the more I like it! We already have a spare grill that we hardly use even during the summer (only to incubate my homemade yogurt); I think winter use would be appropriate. All I have to do is check the depth allowed. I wonder if there are any more "junk" BBQs that I can pick up. LOL

Kitchen experimention

August 31st, 2006 at 08:22 am

Okay- I'm not sure how many of you out there realize that ground turkey is usually only 99cents, compared to ground beef which is nromally over $2 a pound. That's why I usually only buy the ground *beef* when it's on sale for the same price as the turkey.

In my tightwad zeal, I realize that there is a big difference in taste between the meats. We enjoy the "real thing" more. So- the last time I browned meat for tacos, I combined both of them and cooked 2 pounds of meat.

Taste test proved: the combination of both 99cent ground meat was much tastier than eating only ground turkey and was almost as good as our preference of ground beef.

Try it! =)

Cash Friendship ~ reject the credit!

August 26th, 2006 at 02:06 pm

I was repelled from making a purchase today because I realized that I couldn't even use my bank card. At first I was mad, but then I realized that they did me a favor. It didn't matter that I wasn't going to spend more than $10, or that the prices were so good. The store was saying to me "Don't buy me without cash or else my deals are no longer deals!"

OMG! What a mental...break...through... hahaha

If I can program my mind to say they only accept cash and go to places that only accept cash- how much less would I spend?! Friends only take cash, right? They want you have money to enjoy their friendship and life. They don't want to put more debt on you.

So make your favorite stores, your "cash friends"! =)

What to do with mounds of Seeds...

August 25th, 2006 at 06:53 am

I don't know how you have so many seeds (lentils, peas, beans, radish, sunflower, broccoli). Let's assume you bought a boat load of seeds for your garden and didn't get to plant most of them. Have you considered growing sprouts; like "alfalfa sprouts"? They would be a good substitution or addition to lettuce in your salads. And cheap!

Text is http://www.sproutpeople.com and Link is
http://www.sproutpeople.com
Here's a link to some information, you don't neccessarily have to *buy* their supplies.

Giving $$ real value

August 23rd, 2006 at 07:51 am

I think the Devil played a cruel trick on us the day he gave us "credit", or abstract money that you'll pay dearly for in the future.

We know in our mind that we have access to money through credit, but fail to register ownership of spending unless we use tangable cash money.

Credit is a financial anesthetic that tricks our brain into spending our paychecks years into the future.

Electronic funds are almost as bad. As long as we can't physically hold and surrender the money- it does not trigger caution or responsible consumerism.

Cash is the way to go to stay on financial track. But, it seems to be the passe trend for today's consumer.

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

For me, this is my ultimate goal. I will gradually develop my own technique for transitioning back to the dinosaur practice of handling/managing cash. I owe it to Jasmin, my child, not to the credit companies.

Northwest Airline's List for Saving $$$

August 23rd, 2006 at 07:23 am

I read this on another website and thought I'd share...

"For those of you who have not been watching the news lately, Northwest Airlines handed out a booklet to their employees who were going to be laid off including a section called “101 Ways To Save Money” - the airline employees responded by protesting the list as offensive..."

1. Set your thermostat to 64 and turn it down to 60 at night.
2. Use the phone book instead of directory assistance.
3. Use coupons at the grocery store.
4. Carpool.
5. Ask for generic prescriptions instead of brand name.
6. Do your own nails.
7. Rent out a room or garage.
8. Replace 100 watt bulbs with 60 watt.
9. Make long distance calls at night and on weekends, instead of mid-day, mid-week.
10. Throw pocket change in a jar and take it to the bank when it’s full.
11. Always grocery shop with a list.
12. Buy spare parts for your car at a junkyard.
13. Go to museums on free days.
14. Quit smoking.
15. Get hand-me-down clothes and toys for your kids from family and friends.
16. Meet friends for coffee instead of dinner.
17. Request to get interest on a security deposit for your apartment.
18. Take a shorter shower.
19. Write letters instead of calling.
20. Brown bag your lunch.
21. Make your own baby food.
22. Use public transportation.
23. Drop duplicate medical insurance.
24. Buy old furniture at yard sales and refinish it yourself.
25. Apply for scholarships and financial aid.
26. Exercise for free-walk, jog, bike, or get exercise videos from the library.
27. Form a baby-sitting cooperative with friends and neighbors.
28. Buy your clothes off season.
29. Go to a matinee instead of an evening show.
30. Share housing with a friend or family member.
31. Hang clothes out to dry.
32. Do not use your calling card.
33. Volunteer two hours a month for reduced cost food through the Share Program.
34. Change the oil in your car yourself regularly.
35. Get pre-approval from your medical insurance company before undergoing any procedures or tests.
36. But ‘no frills’ vitamins.
37. Take a date for a walk along the beach or in the woods.
38. Make cards and gifts for friends.
39. Shop in thrift stores.
40. Have your water company do an audit so you are not charged sewage fees for water used in your garden.
41. Refinance your mortgage.
42. Grocery shop on double coupon days.
43. Trade down your car for a less expensive, lower maintenance one.
44. Convert your cash value life insurance to term.
45. Shop around for eyeglasses.
46. Don’t be shy about pulling something you like out of the trash.
47. Recycle.
48. Move to a less expensive place to live.
49. Use low flush toilets or water saving devices in the tank.
50. Drop unneeded telephone services like call forwarding or caller ID.
51. Buy fruits and vegetables in season.
52. Avoid using your ATM card at machines that charge a fee.
53. Bicycle to work.
54. Shop around for auto insurance discounts for multiple drivers, seniors, good driving records, etc.
55. Ask your doctor for samples of prescriptions.
56. Borrow a dress for a big night out. or go to a consignment shop.
57. When you buy a home negotiate the sales price and closing costs.
58. Turn the hot water heater down and wrap it with insulation.
59. Never grocery shop hungry.
60. If you qualify, file for Earned Income Credit.
61. Shop around for prescriptions including mail order companies (Medi-Mail 800-331-1458, Action Mail Order Drugs 800-452-1976, and AARP 800-456-2277).
62. If you pay for childcare, make use of the dependent care tax credit or your employer’s dependent care flexible spending account.
63. Buy, sell, and trade clothes at consignment shops.
64. Shop around for the lowest banking fees.
65. Caulk windows and doors.
66. Iron your own shirts.
67. Plan your weekly food menu before shopping.
68. Buy a good used car instead of a new model car.
69. Purchase all of your insurance from the same company to get a discount.
70. Cut your cable television down to basic.
71. Go to an optometrist for routine vision tests or to change an eyeglass prescription.
72. Buy pre-owned toys and children’s books at garage sales.
73. Have potluck dinners with friends and family instead of going out.
74. Use the library for books, video tapes, and music.
75. Inspect clothing carefully before purchasing it.
76. Don’t use your dishwasher dry cycle; open the door and let them air dry all night.
77. At the grocery store, comparison shop by looking at the unit price.
78. Make your own coffee.
79. Use old newspapers for cat litter.
80. Shop at discount clothing stores.
81. Skip annual full mouth x-rays unless there is a problem; the ADA recommends x-rays every 3 years.
82. Water your garden at night or early in the morning.
83. Shop around for long distance rates.
84. Hand wash instead of dry cleaning.
85. Grow your own vegetables and herbs.
86. Shop around for auto financing.
87. Donate time instead of money to religious organizations and charities.
88. If you are leaving a room for more than five minutes, turn off the light.
89. Shop at auctions or pawn shops for jewelry and antiques.
90. Keep your car properly tuned.
91. Request lower interest rates from your creditors.
92. Trade in old books, records, and CDs at book and record exchanges.
93. Pay bills the day they arrive; many credit card companies charge interest based on your average daily balance.
94. Buy software at computer fares.
95. Search the Internet for freebies.
96. Compost to make your own fertilizer.
97.If your car has very little value, you probably only need liability insurance.
98. Cut the kids hair yourself.
99. Increase your insurance deductible.
100. Buy in bulk food warehouses.
101. If your income is low, contact utility companies about reduced rates.