Hope some of you have had the opportunity to utilize clarkhoward.com

Great site for general information on how to save whether it be travel, food, you name
it...

Love these ideas and here are some more. I have always told my sons, if you want to
maintain your bachelor lifestyles (lots of liquidity in life choices)--stay out of debt
and don't get anyone pregnant! Paying off a bill that carries lots of interest vs.
investing in a market that continues to deteriorate could save a bunch. Also, try drying
your clothes for about 8-10 minutes to get out the wrinkles, then hang them up to air dry
the rest of the way. Cold water wash works fine if you don't get your clothes really
dirty. And a timed shower saves on the power bill too.

Kabirm is right about the work. It is always good to be able to work, but not everyone
is. Which leads me to that a great way to spare yourself (and your neighbors) hardship is
to have health insurance on yourself. Had my accident when I was paying for my own health
insurance (not through employer)and after 28 surgeries, the bills well over $250K+. When
couldn't work, had to pay for health insurance with savings. Savings. Make sure you got
them, you might need them.

Thanks, Toyko Rose for the Beatles video. Love the gentle reminder about difficulty of
waiters' life. lol.
:)
Kathy in NJ

some very good ideas in here, but i wish i could some..i cant unplug the appliances at my
place..as easy as it is, plugging them all in again just sounds bad...but great point to
exemplify especially in a historical perspective : easiest way to save money is to have an
exchange of quality products for human capital (your personal ability to work)

You can put your down pillows, featherbeds and duvets in the dryer for twenty minutes at
least every week to kill off those pesky dust mites.

Fresh lavender tossed in your closets will keep the moths away as it dries.

Kathie - it's you and me. I LOVE your ideas.

Great stuff for a nice frugal article.

To prevent carpenter ants, go to BJs or CostCo and buy a BIG container of Cayenne Pepper
and then sprinkle it around the baseboard of your home in spring. I used a spoon and just
spooned it around the edge, my friend says to mix it in an oil and spray it so it will
stick. But put it around the baseboard of your home in the spring. You can reapply after
a rain or as needed. Works well.

You can also put peppermint leaves around the windows and edges of the doors, I have heard
but did not try it.
Cost savings is around $200+
Now that's some BOOYAH.
Kathy in NJ

If you are a woman (or a man for that matter), having long hair is less expensive to
maintain as you do not have to get it cut as often to keep it looking chic. I sometimes
cut my own hair for as long as I can until I get it cut. Much better than those bald
days. (I had to have my head shaved a lot for those brain surgeries). And Peter thinks he
looks funny bald! LOL!
:)
Kathy in NJ
please forgive me posting it in the wrong spot...thought I was doing it correctly. Oops.

Oh frugal.

I use baking soda to clean sinks and white vinegar and water to clean glass and windows.

I read almost everything online, including (free) New York Times, LA Times, Washington
Post, International Herald Tribue and Women's Wear Daily comes to my email.

I buy sheets and duvets and covers on ebay (new, please - except for vintage sheets and
covers which I love).

I use amazon for everything they carry that I want - and the 85.00 a year for prime
shipping makes it really cheap.

OK - don't laugh ... I said goodbye to La Mer and hello to Olay Regenerist products - and
I'm more impressed with how fabulous they are than how much I save.

Give it a try - I only use conditioner on my hair. Shampoo once every week or ten days
(it's actually better for your hair and it does save money).

I use flour sacks instead of paper towels and for oversized dinner napkins - they get so
soft with washings and look fabulous wrapped up with a little raffia and twine and a
little rosemary.

Spartan me.
I bring my shoes every two weeks to my wonderful shoe repair person. He keeps them perfect
and the little maintenance makes them last forever and in perfect condition.

Soak your fingernails and toenails in warm olive oil and then push those pesky cuticles
back. They stay plump and healthy. And then use buffing cream - chipped manicures make me
wince. (sorry, I'm silly).

Ask for samples at Kiehl's and at Sephora. They'll give you a week's worth of moisturers,
masks, shampoos, etc.

Change your do-nothing credit card for a do-something one - milegage, cents back on gas,
points to be used at amazon, etc etc.....put everything on your credit card to get the
rewards but pay in full online every week so you never have debt.

Run to the Farmers markets for fruits & veggies and make soup when it's less than
perfect.

Give money and a smile to that homeless person so you'll both be happier.

Kathy. You need to do a Kathy Says column. Wonderful...