Bible Money Matters wrote yesterday on how credit card companies act like they're your friends when they really just want your money. This is true, of course, but frankly it neither surprises nor bothers me. Credit card companies and banks are businesses – just like your health insurance carrier, supermarket and baby sitter.
The Business of Business
No one starts a business for the purpose of making friends. "Making friends" by providing cheerful service and offering "helpful" advice is merely a means to an end. When a business advertisement says "Your satisfaction is our #1 priority," the word "satisfaction" is really a metaphor ...
Monopoly Game Expansion #1: Personal Savings Account
Expansion difficulty/complexity level: Easy
This is a basic savings account add-on for the Monopoly game to teach the principles of personal savings. The rules are few, with easy to calculate interest rates and a simple form to keep track of each player's individual savings. While the interest rates are higher (for easy calculation) than they would be in a real-life savings account, this game can teach children the basics and benefits of saving money and how banking and savings accounts work.
Objective: Learning Basic Money Saving Techniques and Principles
Develop a regular habit setting money aside for a rainy day or future investment.
Watch ...
Using Nature’s Gift Wrap: The Eggshell
An elegant and unforgettable way to wrap a present
Mimic one of natures miracles by giving jewelry, money, a small gift or an engagement ring inside a pretty eggshell that must be cracked open by the recipient. The broken eggshell may be kept as a memento of the occasion.
You will need:
1 egg per gift
Clear nail polish or white glue
Nail polish in color of your choice*
or spray paint/enamel
If making a speckled egg, choose a pale background color and brown or gold for the freckles.
*A nail polish color with iridescent sparkle is best to conceal the crack (the sparkle adds opacity). If your ...
Frugal but Thoughtful Mother’s Day Gift Suggestions
While gifts are a great way to show that you care, an important thing to keep in mind is that most mothers and grandmothers would probably prefer to spend quality time with their families on Mother's Day rather than receive a fancy and expensive gift. The most frugal and meaningful gift would therefore be a family get-together: watching movies at her house, a backyard barbecue, playing games, a picnic at the park or going to the zoo with her children and grandchildren. If you do have such as family outing, make sure someone takes lots of pictures and provides her ...
7 Cost-Cutting and Safer Alternative Household Tips
These are some ways we save money without sacrificing the management or enjoyment of our home:
Clean with Rubbing Alcohol
Our favorite cleaner is isopropyl, which looks pretty in clear spray bottles around the house. It is not perfumed, does not leave toxic residue like other cleaners, and costs only $1 to $2 for a large bottle. We acquired the mentality of scrupulous sanitizing from singing teachers, some of whom insist upon spraying everything with Lysol before touching. Lysol, however, damages the skin and leaves you with toxic fingers while rubbing alcohol evaporates cleanly away. Only be aware that rubbing too hard ...
There is nothing like a vacation with the whole family. Four-legged family members add a lot of fun to the trip, but they also add a lot of work and responsibility. (I’m thinking maybe each two legs is the equivalent of one two-legged person’s worth of energy.)
As I mentioned in my previous post, Frugal Travel Begins Before the Trip: Vacation Preparation Checklist, it is the preparation that determines how much fun you will have; the better prepared, the more you will be able to enjoy your trip. And again, the way to travel frugally is to travel prepared. So to follow up that post, I wanted to share some tips for helping your entire family enjoy your summer vacation. Most of these suggestions will help save you money by avoiding costly situations such as tips for staying in a hotel with your pet, keeping your dog healthy and safe to prevent costly vet bills (either immediate or future), and also just maintain your pet’s general well-being.
Safe and Smart Pet Travel
Finding Pet Friendly Lodgings
Hotels are becoming more and more dog-friendly as businesses realize how many people consider their pets a part of the family and wish to travel with them. Do a search for Pet Friendly Hotels (or Discount Pet Friendly Hotels) to find lodgings at your destination. However, do not rely solely on the word of the pet friendly referral site; even if you will be booking your hotel stay through a referral site such as Expedia, which allows you to search for pet-friendly hotels, always double check the hotel’s pet policy on its official website. Some referral websites contain outdated, incomplete or simply wrong information on hotel pet policies. Some hotels may have accepted pets at one time but no longer, or have pet type, breed or weight restrictions. Sometimes, the easiest thing to do is to just call the hotel and ask.
When calling a pet-friendly hotel, be sure to:
Ask if they accept the type, breed and weight of your pet
Ask if there is a non-refundable pet fee (some hotels do not charge a non-refundable pet fee, something called a “cleaning fee”, and others charge as much a $150 per stay)
Ask about daily fees – per pet, per stay, etc. (most hotels charge per pet, per day)
If you are bringing more than one pet, be sure to check that they allow more than one pet per room
This is a cash-free version of the game wherein all transactions are handled through personal checking accounts and recorded in individual check registers. Each player is responsible for his own account and must record all transactions – payment and receipt of rent, taxes, bribes, etc. in his check register.
Objective
To teach children (and some adults) how to accurately record transactions and balance a check register.
Instead of distributing cash at the beginning of the game, players record the opening balance at the top of the check register (in the right-hand column under $ Balance). If playing the original Atlantic City Monopoly game with the distribution of 2 x $500, 2 x $100, 2 x $50, 6 x $20, 5 x $10, 5 x $5 , and 5 x $1 bills, the opening balance is $1,500.
Instead of using cash, all transactions are recorded in the check register under Deposit (+) and Payment (-), and all money belonging to the player is totaled in the $ Balance column.
Click on the image to view a sample check register
Fabric scraps are the natural by-product of a sewing project. Bags and Bags of fabric scraps are the natural result of many sewing projects and the frugal impulse to keep every potential resource. While these collections of small and irregular pieces tend to be a nuisance, they are usually of beautiful or expensive materials that I could not throw away with good conscience.
My spring cleaning therefore begins with using up these scraps as fast as possible and disposing of the remaining shreds. One easy way to use fabric scraps is to make patchwork berets which are highly individual and as colorful or demure as you choose. My recent hats are very colorful as I have a large variety of small pieces to deal with, but I intend soon to make some with fabric choices limited to one or two tones.
I will be the first to admit that I LOVE television and movies. I have been an avid TV-watcher since I was a kid. To this day, I can still remember the schedule for my favorite show, a cartoon called Doraemon, when I was 6 years old and living in Japan – Friday nights at 7:00 on Channel 10. Despite being a pretty intelligent kid — I read a lot and got good grades — I loved television. Some of my favorite shows as a kid (now living in the States) were Flipper, Lassie, Saved By the Bell, Full House, Growing Pains, I Love Lucy, etc.
I haven’t changed a bit as far as this area of my personality is concerned (as a matter of fact, I have passed my love for video entertainment on to my dog), but can proudly say that I have survived since 2001 without cable. For some reason, our TV doesn’t work without paying for cable. We don’t get any local channels and antennae don’t work — don’t ask me why. But for almost 8 years, my appetite for video entertainment has been sated solely by DVDs. Luckily, I am one of those people who can watch the same movie over and over (even more than once in the same day) and still enjoy it, so we haven’t gone broke feeding my addiction.
Then last year, I learned about this marvelous site called Hulu, a network approved video hosting site for watching free TV shows and movies online, and I have to say, life has vastly improved — not that I wasn’t happy before, I’m just even happier. I was now able to watch shows that I’d only vaguely heard or read about such as House, and have discovered an array of new shows that I had never even heard of that have come on air since 2001. Read the rest of this entry »
I have a lot of favorite movies (maybe because I’m indecisive and can’t just pick one favorite) and Fiddler On the Roof is definitely there in my top … 50. Yes, it is old, and some of it a little silly, but it is a classic and teaches some good lessons, all the while maintaining a good balance of comedy with serious issues. We recently watched it for the first time after several years, and now that we are personal finance bloggers, we couldn’t help but appreciate the money lessons (or maybe they’re more like jokes) to be had in this movie.
If you have never seen Fiddler on the Roof or want to see it again, you can watch the full movie free on Hulu at: http://www.hulu.com/watch/26704/fiddler-on-the-roof
Funny Money Quote from Fiddler On the Roof
Tevye: Again with the rich! What’s wrong with being rich?
Perchik: It’s no reason to marry. Money is the world’s curse.
Tevye: May the Lord smite me with it. And may I never recover!
One of my favorite songs in this movie is If I Were a Rich Man, wherin Tevye fantasizes of the (sometimes imprudent) ways in which he would live his life and spend his money were he a wealthy man. Play the video below to watch it performed as can be done by none other than the great Topol. (You can watch the whole movie here, too, if you’d like.)
You may not know it, but you may be waging long term biological warfare on yourself and your family. There is increasing awareness about the harmful effects of exposure to chemicals such as pesticides and household cleaners, but did you know that air fresheners are also poisons?
History has taught the human race that bad smells mean disease and infection, so naturally we all want our homes filled with good smells. Unfortunately, chemicals used to carry these good smells into your home may give you lung problems and cancer. You should be especially vigilant about uses of air fresheners if you have cats because cats can be fatally poisoned by airborne substances absorbed through the skin.
Here are some alternatives you might consider to aerosol or plug-in air fresheners. You can make or purchase these items made with natural plant oils.
This is a re-post of one of our earliest articles first published February 27, 2008.
Conversion of a Common Coniferous Conundrum
When we moved into our own home, my sister and I decided to make our first Christmas a memorable one, which included the purchase of a 7 foot tall Christmas tree. Another occasion which came with taking possession of the house was our going to the sanitation office and signing up for trash pickup, at which time we were warned that sanitation engineers would refuse to empty any trash container which was overfilled. To make sure we understood what it meant to overfill a trash container, the sanitation department employee showed us several photographs of a trash container into which a Christmas tree had been rammed with the lid in various half-hearted attempts at closure. Happily, this specific offense we will never be tempted to commit. For why on earth would two practical people like ourselves throw away (or reduce to mulch) a perfectly good used Christmas tree?
Almost as soon as we wrestled and tilted our Christmas tree into a position which passed for perpendicular, I began scheming at the potential uses of this sizable item which would become available as soon as December 26. However, to make the best of the purchase, we left the tree decorated well into January. After divesting the tree of it’s ornaments, we sawed off the branches while the tree was still standing, leaving a few attractive stumps. The branches were easily disposed of without upsetting the sanitation department. We then sawed off the part of the trunk that had been standing in water and were left with a 6+ foot tree trunk.
There is nothing like a vacation with the whole family. Four-legged family members add a lot of fun to the trip, but they also add a lot of work and responsibility. (I’m thinking maybe each two legs is the equivalent of one two-legged person’s worth of energy.)
When we moved into our own home, my sister and I decided to make our first Christmas a memorable one, which included the purchase of a 7 foot tall Christmas tree. Another occasion which came with taking possession of the house was our going to the sanitation office and signing up for trash pickup, at which time we were warned that sanitation engineers would refuse to empty any trash container which was overfilled. To make sure we understood what it meant to overfill a trash container, the sanitation department employee showed us several photographs of a trash container into which a Christmas tree had been rammed with the lid in various half-hearted attempts at closure. Happily, this specific offense we will never be tempted to commit. For why on earth would two practical people like ourselves throw away (or reduce to mulch) a perfectly good used Christmas tree?
