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	<title>PecuniaritiesSearch results for 'Home Decor' (page 1 of 7)</title>
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		<title>Frugal Home Dec Tip: Electrical Outlet or Light Switch Frame</title>
		<link>http://pecuniarities.com/frugal-home-dec-tip-electrical-outlet-or-light-switch-frame/194</link>
		<comments>http://pecuniarities.com/frugal-home-dec-tip-electrical-outlet-or-light-switch-frame/194#comments</comments>
		<pubDate>Fri, 29 Jan 2010 08:14:52 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home Decor]]></category>
		<category><![CDATA[craft]]></category>
		<category><![CDATA[crafts]]></category>
		<category><![CDATA[decorating]]></category>
		<category><![CDATA[frugal]]></category>
		<category><![CDATA[home dec]]></category>
		<category><![CDATA[home decoration]]></category>
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		<category><![CDATA[picture frame]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=194</guid>
		<description><![CDATA[
Here is simple home decoration project to spruce up your walls or sides of cabinets that have an electrical outlet or light switch plate. This electrical outlet pictured to the right is in a conspicuous place in our house and I found the yellowish white plastic color rather offensive, so I came up with the [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-full wp-image-195" style="float: right; margin-left: 5px; margin-right: 5px; margin-top: 0px; margin-bottom: 0px;" title="electrical-outlet-150" src="http://pecuniarities.com/wp-content/uploads/2008/04/electrical-outlet-150.jpg" alt="Decorative Electrical Outlet Frame" width="113" height="150" /></p>
<p>Here is simple home decoration project to spruce up your walls or sides of cabinets that have an electrical outlet or light switch plate. This electrical outlet pictured to the right is in a conspicuous place in our house and I found the yellowish white plastic color rather offensive, so I came up with the following easy solution for turning an ugly necessity into a decorative piece.</p>
<h3>How to decorate an electrical outlet or light switch plate</h3>
<p><span id="more-194"></span></p>
<ol>
<li>Find an old unused picture frame or buy a small picture frame from a dollar store or thrift shop</li>
<li>Make sure the inside of the frame fits around the outlet or light switch plate</li>
<li>Take out the glass and save it for other crafts</li>
<li>Clean and paint the frame if necessary or desired (The one pictured above was painted with gold enamel spray paint)</li>
<li>Paint the electrical outlet if desired. You can use small bottle of acrylic paint from the craft or hardware store, usually about $1.79)</li>
<li>Paint any wall area that will show inside the frame, if desired</li>
<li>Glue the frame onto the wall</li>
</ol>
<p>This treatment is suitable for electrical, cable, and phone outlets as well as light switch plates.</p>
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<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/elegant-french-memo-board-from-thrift-shop-picture-frame/178" rel="bookmark" title="Permanent Link: Elegant French Memo Board from Thrift Shop Picture Frame">Elegant French Memo Board from Thrift Shop Picture Frame</a></li><li><a href="http://pecuniarities.com/thinking-inside-the-box-some-uses-for-cardboard-cartons/132" rel="bookmark" title="Permanent Link: Thinking inside the box: Some Uses for Cardboard Cartons">Thinking inside the box: Some Uses for Cardboard Cartons</a></li><li><a href="http://pecuniarities.com/save-money-on-clothes-shop-the-juniors-department/4320" rel="bookmark" title="Permanent Link: Save Money on Clothes: Shop the Juniors&#8217; Department">Save Money on Clothes: Shop the Juniors&#8217; Department</a></li><li><a href="http://pecuniarities.com/7-cost-cutting-and-safer-alternative-household-tips/186" rel="bookmark" title="Permanent Link: 7 Cost-Cutting and Safer Alternative Household Tips">7 Cost-Cutting and Safer Alternative Household Tips</a></li><li><a href="http://pecuniarities.com/the-no-budget-system/140" rel="bookmark" title="Permanent Link: The No-Budget System">The No-Budget System</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-04-19 05:59:00. </small></p>]]></content:encoded>
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		</item>
		<item>
		<title>How to Save on Paint for Home and Craft Projects</title>
		<link>http://pecuniarities.com/money-saving-tips-for-casual-home-and-craft-painters/989</link>
		<comments>http://pecuniarities.com/money-saving-tips-for-casual-home-and-craft-painters/989#comments</comments>
		<pubDate>Mon, 01 Sep 2008 17:00:03 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Crafts]]></category>
		<category><![CDATA[Frugality]]></category>
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		<guid isPermaLink="false">http://pecuniarities.com/?p=989</guid>
		<description><![CDATA[Having a whole house to ourselves, Penelope and I often feel like a couple of kids when the parents are absent. We play fetch with the dogs in the hallways and let slobbery tennis balls bounce off the walls. We push furniture around and rearrange the rooms on impulse. We call every meal or break [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-990" style="margin-left: 5px; margin-right: 5px;" title="Paint Drops Graphic by Madoline Hatter" src="http://pecuniarities.com/wp-content/uploads/2008/08/paint-drops.gif" alt="" width="150" height="127" />Having a whole house to ourselves, Penelope and I often feel like a couple of kids when the parents are absent. We play fetch with the dogs in the hallways and let slobbery tennis balls bounce off the walls. We push furniture around and rearrange the rooms on impulse. We call every meal or break from work “a party.&#8221; We have whatever pets we like and don&#8217;t make them live outdoors. We are admittedly a bit rowdy and even play the piano and violin in the middle of the night (our house is a little apart from the neighbors). And instead of “birthdays,” we have “birthday weeks” wherein we take a week long holiday from work, feast on our favorite foods, and watch DVD&#8217;s which we order especially.</p>
<p>Not surprisingly, we, with the help of our rambunctious dogs (especially during their puppy teething stages), inflict a noticeable amount of wear and tear on our home and furniture and it is lucky for us that the distressed look is so popular nowadays. Nevertheless, we have a cabinet stocked with paints to keep our lifestyle on the romantic side of shabby and away from woefully distressed. We are constantly painting, decorating, patching, repairing, refinishing, and making things for our house. Over the years, we have developed some economical and efficient habits which we would like to share.</p>
<p style="text-align: center;"><img class="size-full wp-image-991 aligncenter" title="Colorful Chairs Photo by Our Fourpence Worth" src="http://pecuniarities.com/wp-content/uploads/2008/09/chairs-600.jpg" alt="" width="400" height="293" /><br />
Thrift store chairs purchased for $5-15 each that we painted in our favorite colors
</p>
<p style="text-align: center;">
<ul>
<li>For both home or crafts Buy gallon size un-tinted latex/acrylic paint which costs less per ounce than small bottles of craft paint.</li>
<li>Mix your own colors by adding colored craft paint to white paint.</li>
<li>You can also purchase pigment to mix as much as you need for a project instead of buying a whole gallon of a certain color.</li>
<li>Save food containers with lids (such as yogurt and cream cheese tubs) for mixing and storing paint.</li>
</ul>
<p><span id="more-989"></span></p>
<ul>
<p style="text-align: center;"><img class="size-full wp-image-992 aligncenter" title="Madoline Hatter\'s Pink Closet Book Shelf Photo by Our Fourpence Worth" src="http://pecuniarities.com/wp-content/uploads/2008/09/my-closet-600.jpg" alt="" width="400" height="300" /><br />
Madoline&#8217;s closet bookshelf with rosy-pink wall.</p>
</ul>
<p style="text-align: center;">
<ul>
<li>Slightly water down paint for more even application (except with oil-based paint). You may end up doing an extra coat, but will use less paint overall. I find thin coats of paint more attractive.</li>
<li>Add water to keep leftover paint from drying up and store covered for several weeks. This paint can be used to paint matching decorations or mixed into new colors.</li>
<li>Instead of throwing away or donating leftover paint as instructed on the can (they want you to buy more) hammer the lid back down and store in a cool place. If very little paint is left, transfer to smaller container to minimize evaporation.</li>
<li>If you don&#8217;t want to use masking tape, carefully paint trims, edges, and corners of your walls with a small artist brush.</li>
<li>Keep pets and children away from wet paint and be sure to have sufficient ventilation.</li>
</ul>
<p style="text-align: center;"><img class="size-full wp-image-993 aligncenter" title="Colorful Cabinets Photo by Our Fourpence Worth" src="http://pecuniarities.com/wp-content/uploads/2008/09/cabinets-400.jpg" alt="" width="300" height="400" /><br />
Homemade cabinets</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/finance-and-frugality-blog-carnivals-week-of-unexpected-delays/1340" rel="bookmark" title="Permanent Link: Finance and Frugality Blog Carnivals: Week of Unexpected Delays">Finance and Frugality Blog Carnivals: Week of Unexpected Delays</a></li><li><a href="http://pecuniarities.com/save-money-make-money-30-day-challenge-ivillage/87" rel="bookmark" title="Permanent Link: Save Money, Make Money 30-Day Challenge @ iVillage">Save Money, Make Money 30-Day Challenge @ iVillage</a></li><li><a href="http://pecuniarities.com/frugal-home-dec-tip-electrical-outlet-or-light-switch-frame/194" rel="bookmark" title="Permanent Link: Frugal Home Dec Tip: Electrical Outlet or Light Switch Frame">Frugal Home Dec Tip: Electrical Outlet or Light Switch Frame</a></li><li><a href="http://pecuniarities.com/101-ways-to-save-money-in-your-everyday-life/1123" rel="bookmark" title="Permanent Link: 101 Ways to Save Money in Your Everyday Life">101 Ways to Save Money in Your Everyday Life</a></li><li><a href="http://pecuniarities.com/frugality-101/3" rel="bookmark" title="Permanent Link: Frugality 101">Frugality 101</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<item>
		<title>Frugal Thermodymics Part I: Limiting Sources of Heat in the Home</title>
		<link>http://pecuniarities.com/frugal-thermodymics-part-i-limiting-sources-of-heat-in-the-home/4145</link>
		<comments>http://pecuniarities.com/frugal-thermodymics-part-i-limiting-sources-of-heat-in-the-home/4145#comments</comments>
		<pubDate>Mon, 18 May 2009 13:00:50 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Heating & Cooling]]></category>
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		<guid isPermaLink="false">http://pecuniarities.com/?p=4145</guid>
		<description><![CDATA[How to keep your home cool with basic scientific principles and thermodynamics. Save money on utilities and air conditioning with logical and simple methods.]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-4178 aligncenter" title="Wooden Thermeter Photo by Petr Kratochvil" src="http://pecuniarities.com/wp-content/uploads/2009/05/thermometer.jpg" alt="Wooden Thermeter Photo by Petr Kratochvil" width="400" height="268" /></p>
<p>Even though science has always been one of my favorite subjects, I am frequently surprised at how even the most basic principles taught in high school have proven useful to everyday life, household management and health issues. Of late, because heat is the primary financial drain in summer, the laws of thermodynamics are very much on my mind. These laws are very simple concepts dealing with heat and its natural tendencies which is helpful in figuring out how to stay cool while using our resources efficiently.</p>
<h2>Limiting Sources of Heat in the Home</h2>
<p><span id="more-4145"></span></p>
<p>The first thing to understand is that heat is a form of energy, it is often produced as a byproduct of other processes. The heat of summer, for example, is the byproduct of nuclear reactions in the sun. And while we unfortunately cannot control that particular source of heat (except by insulating our homes and drawing the curtains shut), we can improve our situation by limiting other means of heat production. Following are just a few of the possible sources of heat in your home which you may choose to regulate.</p>
<ul>
<li><strong>Electronics</strong><br />
Computers, televisions, lights and other electronics emit high quantities of heat. Turn them off when they are not absolutely necessary. Unplug appliances and stereos that still draw electricity when not in use (the ones with glowing lights or numbers). Limit cooking and cleaning activities (especially ironing or using the dryer) to the cooler hours of the day.</li>
<li><strong>Human Metabolic Activity</strong><br />
&#8220;Calorie&#8221; is simply another word for &#8220;heat.&#8221; You constantly produce heat in the process of respiration. Therefore, strenuous activity and indoor exercise can really warm up your home. You can avoid this by exercising outdoors or elsewhere. For the weight conscious, drinking lots of cold water can raise your metabolism while literally flushing a good deal of body heat out of the house. <span style="text-decoration: underline;">Also note:</span> metabolic activity produces water vapor in addition to heat which increases the humidity of your house (see below) so that is another reason to work out elsewhere or at night.</li>
<li><strong>Pet Metabolic Activity</strong><br />
Pets such as cats and dogs have higher metabolic rates than people. A medium sized dog can noticeably heat up a small room. For your own good as well as the good of your pets (to avoid heat stroke) discourage them from being too active during the hottest hours.</li>
<li><strong>Trash &amp; Food</strong><br />
Decomposing matter generate heat from bacterial and  fungal respiration. This means that it would be to your advantage to take out the kitchen trash more often than usual and throw away unwanted or spoiling food sooner rather than later. Germs, mold and other microbes burn calories just like you and your pets. So logically, the fewer &#8220;little housemates&#8221; you have, the cooler you&#8217;ll be.</li>
<li><strong>Humidity</strong><br />
Water vapor is the gratest contributer to the greenhouse effect. A humid house with sunlight streaming through the windows will easily reach tropical temperatures. I strongly suggest ventilating well after showers, fixing leaks, not having too many fish tanks or house plants, avoiding indoor exercise, and getting a dehumidifier if necessary.</li>
</ul>
<p>While some of the means mentioned above may seem so insignificant that most people may feel inclined to dismiss them, I believe that many small factors can make a notable change. And the proof is that we are enjoying a fine day at home in the Mojave Desert with full sun, no breeze, and being no poorer for it.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/frugal-thermodymics-part-ii-a-simple-cooling-system/4173" rel="bookmark" title="Permanent Link: Frugal Thermodymics Part II: A Simple Cooling System">Frugal Thermodymics Part II: A Simple Cooling System</a></li><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-2-%e2%80%93-how-we-stayed-cool-without-ac/4379" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C">No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C</a></li><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-1-%e2%80%93-how-it-started-no-heat-winters/4352" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters">No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters</a></li><li><a href="http://pecuniarities.com/fast-frugal-recipe-super-easy-taco-salad/131" rel="bookmark" title="Permanent Link: Fast &amp; Frugal Recipe: Super Easy Taco Salad">Fast &amp; Frugal Recipe: Super Easy Taco Salad</a></li><li><a href="http://pecuniarities.com/fast-frugal-recipe-vegetable-rice-teriyaki-bowl/93" rel="bookmark" title="Permanent Link: Fast &amp; Frugal Recipe: Vegetable &amp; Rice Teriyaki Bowl">Fast &amp; Frugal Recipe: Vegetable &amp; Rice Teriyaki Bowl</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<title>Save Money and Get More Exercise With a Mini Home Gym</title>
		<link>http://pecuniarities.com/save-money-and-get-more-exercise-with-a-mini-home-gym/1787</link>
		<comments>http://pecuniarities.com/save-money-and-get-more-exercise-with-a-mini-home-gym/1787#comments</comments>
		<pubDate>Wed, 07 Jan 2009 21:01:44 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
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		<description><![CDATA[Having a mini home gym can save you hundreds of dollars a year and get you more exercise in the long run.]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.amazon.com/gp/product/B000I1GQ04?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000I1GQ04"><img class="alignleft size-full wp-image-1792" style="border: 0pt none; margin: 10px 10px;" title="Hand Weights" src="http://pecuniarities.com/wp-content/uploads/2008/12/hand-weights.jpg" border="0" alt="Hand Weights" width="160" height="125" /></a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000I1GQ04" border="0" alt="" width="1" height="1" /><br />
Madoline and I are homebodies &#8211; mostly by choice, but these days, also by circumstance since we bought a house in the desert. Over the years, as we strived to stay in shape, we have tried many regimes, both physical and nutritious, described in detail in <a title="The No-Budget System by Penelope Pince" href="http://pecuniarities.com/the-no-budget-system/140" target="_self">The No-Budget System</a>. After years of trying different things, we have settled with a mini home gym that gets us our aerobic and even some anaerobic exercise.</p>
<p>One of the regimes we tried when we were still living in Hawaii was getting up very early in the morning and riding our bikes (which we bought for this very purpose) to feed our horse who was stabled 3 miles away. We pedaled as fast as we could there and back before going to work in the morning. This worked great for about a week until one morning when we got caught in a rainstorm of biblical proportions, with winds that reduced our speed to a crawl, and I was sick for a week. We never did this again.</p>
<p><span id="more-1787"></span></p>
<p>We also spent a few months, from December 2002 through April 2003, running 5 miles a night after work. We lost a lot of weight, but oftentimes it was extremely unpleasant as we did this at night and the Hawaiian winter weather was highly unpredictable (well Hawaiian weather all year round is) with high winds and sudden rain. After moving to California, we decided the best way to get our exercise would be to be able to do it at home any time of day or night, regardless of the weather, and also because the first neighborhood we lived in wasn&#8217;t somewhere we wanted to be walking or running outside.</p>
<h2>Our Mini Home Gym</h2>
<p><a href="http://www.amazon.com/gp/product/B000W09O96?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000W09O96"><img class="size-medium wp-image-1789 alignleft" style="border: 0pt none; margin: 15px;" title="Folding Manual Treadmill" src="http://pecuniarities.com/wp-content/uploads/2008/12/treadmill.jpg" border="0" alt="Manual Foldable Treadmill" width="124" height="160" /></a><br />
We went to Walmart and picked up an foldable motorized treadmill for $200. For a motorized treadmill, this machine is very small and easy to store. When we&#8217;re done working out, we just fold it up and push it into a corner. It also has adustable incline and speed, and progress display of distance and calories. Unfortunately, this kind of treadmill is no longer available for $200 as that was 5 1/2 years ago, but more advanced models of the same brand are now available for around $400 (<a href="http://www.amazon.com/gp/product/B000DENDU2?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000DENDU2">Weslo Cadence C44 Treadmill</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000DENDU2" border="0" alt="" width="1" height="1" />), still a decent price for a treadmill. <a href="http://www.amazon.com/gp/product/B000W09O96?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000W09O96">Manual folding treadmills</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000W09O96" border="0" alt="" width="1" height="1" /> (without motors) like the one pictured to the left are also available for a little over $100 these days.</p>
<p><a href="http://www.amazon.com/gp/product/B000PEM63K?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000PEM63K"><img class="size-full wp-image-1790 alignright" style="border: 0pt none; margin: 15px;" title="Pedal Exerciser" src="http://pecuniarities.com/wp-content/uploads/2008/12/pedal-exerciser.jpg" border="0" alt="Pedal Exerciser" width="160" height="132" /></a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000PEM63K" border="0" alt="" width="1" height="1" /><br />
The winter after buying our treadmill, we also bought one of these <a href="http://www.amazon.com/gp/product/B000PEM63K?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000PEM63K">pedal exercisers</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000PEM63K" border="0" alt="" width="1" height="1" /> for under $30 (nowadays around $36). As can be expected from the price, it was simply constructed but it had adjustable resistance and worked extremely well; I could feel a difference in my legs within hours. We took this pedal exerciser on a trip to visit relatives and our grandmother liked it so much that she asked us to leave it for her.</p>
<p>A couple of years later, we added a recumbent stationary bike with magnetic resistance which we bought for $100 (again from Walmart) to our home gym. We love this bike and have pedaled thousands of miles on it while watching movies at home. This bike has lasted amazingly long, considering it has worked days as long as 10-12 hours during our <a href="http://www.amazon.com/gp/product/B0018C705M?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0018C705M">Horatio Hornblower</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B0018C705M" border="0" alt="" width="1" height="1" /> movie marathon last Christmas. The belt finally broke a few weeks ago after years of hard service, but we can still pedal without resistance, which means very fast pedaling (something I have find more fun than pedaling slower with resistance). Nowadays, it looks like these can be had for around $160: <a href="http://www.amazon.com/gp/product/B000LH4VDO?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000LH4VDO">Phoenix 99608 Magnetic Recumbent Exercise Bike</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000LH4VDO" border="0" alt="" width="1" height="1" /></p>
<p><a href="http://www.amazon.com/gp/product/B0016BQFV0?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0016BQFV0"><img class="size-full wp-image-1791 alignleft" style="border: 0pt none; margin: 15px;" title="Mini Cycle Exercise Bike" src="http://pecuniarities.com/wp-content/uploads/2008/12/exercise-bike.jpg" border="0" alt="Mini Cycle Exercise Bike" width="160" height="154" /></a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B0016BQFV0" border="0" alt="" width="1" height="1" /><br />
We added this more advanced <a href="http://www.amazon.com/gp/product/B0016BQFV0?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0016BQFV0">fitness mini cycle</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B0016BQFV0" border="0" alt="" width="1" height="1" /> to our home gym this winter so that we can have resistance pedaling again, and we can both pedal when we don&#8217;t feel like getting on the treadmill. What we like most about this bike is that it doesn&#8217;t take up much room and we can easily move it where we want to so we can pedal while reading, watching TV or playing games at the table. This mini bike can also be set on a chair or table for working the arms. It comes with an LED monitor for counting calories, reps, time and distance, which is helpful.</p>
<p>For our anaerobic exercise, we have a few <a href="http://www.amazon.com/gp/product/B000I1GQ04?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000I1GQ04">hand weights</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000I1GQ04" border="0" alt="" width="1" height="1" /> which we use while watching movies to work our biceps, triceps, deltoids, transverse abdominals and forearms.</p>
<h2>Saving Money, Time and Gas</h2>
<p>So, for an initial investment of a few hundred dollars, you can end up saving thousands from gym membership fees and get your exercise whenever you want without having to leave your house. If you drive to go to a gym, you can save gas as well. Watching movies is one of our hobbies, so we can feel justified in buying some new DVDs once in a while because they help to keep us entertained during our exercise sessions.</p>
<h2>Getting More Exercise</h2>
<p>Some may argue that exercising artificially on a machine and in front of the television isn&#8217;t as healthy or beneficial as doing so in the open air. This may be true if the open air isn&#8217;t near traffic and smog emissions. But it definitely is better than no exercise at all. I know that I get a lot more exercise with our home gym because having the equipment right here makes it so much easier to just jump on and work out. If it weren&#8217;t here, I&#8217;d probably be lying in bed reading or sitting at the computer all the time instead of just some of the time.</p>
<p>When you don&#8217;t feel like leaving the warmth of your house to go running, or to drive to the gym, consider investing in some modestly priced exercise equipment. Having exercise equipment conveniently at home will help you stay in shape because:</p>
<ul>
<li> it eliminates a step or two of preparation that you would have to take in order to workout outside of your home</li>
<li>you can space out your workouts for maximum calorie burn without having to squeeze everything into one time slot, and</li>
<li>you don&#8217;t have to worry about how you look while working out and can do so in your underwear if you so desire. <img src='http://pecuniarities.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </li>
</ul>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/ways-to-increase-physical-activity-calorie-burn-and-prevent-weight-gain-in-your-daily-life/1803" rel="bookmark" title="Permanent Link: Ways to Increase Physical Activity &#038; Calorie Burn and Prevent Weight Gain in Your Daily Life">Ways to Increase Physical Activity &#038; Calorie Burn and Prevent Weight Gain in Your Daily Life</a></li><li><a href="http://pecuniarities.com/interesting-reads-from-fellow-personal-finance-bloggers-15/2307" rel="bookmark" title="Permanent Link: Interesting Reads From Fellow Personal Finance Bloggers #15">Interesting Reads From Fellow Personal Finance Bloggers #15</a></li><li><a href="http://pecuniarities.com/free-printable-templates-christmas-candy-stripe-and-plaid-carrier-gift-bags/1926" rel="bookmark" title="Permanent Link: Free Printable Templates: Christmas Candy Stripe and Plaid Carrier Gift Bags">Free Printable Templates: Christmas Candy Stripe and Plaid Carrier Gift Bags</a></li><li><a href="http://pecuniarities.com/free-printable-templates-miniature-flower-treat-gift-or-decorative-baskets/775" rel="bookmark" title="Permanent Link: Free Printable Templates: Miniature Flower, Treat, Gift or Decorative Baskets">Free Printable Templates: Miniature Flower, Treat, Gift or Decorative Baskets</a></li><li><a href="http://pecuniarities.com/free-printable-templates-holiday-snowflake-gift-tags-treat-and-mini-carrier-bags/1891" rel="bookmark" title="Permanent Link: Free Printable Templates: Holiday Snowflake Gift Tags, Treat and Mini Carrier Bags">Free Printable Templates: Holiday Snowflake Gift Tags, Treat and Mini Carrier Bags</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<title>Our Favorite Sources for Affordable Fabrics</title>
		<link>http://pecuniarities.com/our-favorite-sources-for-affordable-fabrics/190</link>
		<comments>http://pecuniarities.com/our-favorite-sources-for-affordable-fabrics/190#comments</comments>
		<pubDate>Wed, 16 Apr 2008 07:09:37 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Crafts]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home Decor]]></category>
		<category><![CDATA[Introduction]]></category>
		<category><![CDATA[Sewing & Knitting]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[clothes]]></category>
		<category><![CDATA[clothing]]></category>
		<category><![CDATA[crafts]]></category>
		<category><![CDATA[fabric]]></category>
		<category><![CDATA[fabrics]]></category>
		<category><![CDATA[frugal]]></category>
		<category><![CDATA[home dec]]></category>
		<category><![CDATA[sewing]]></category>
		<category><![CDATA[upholstery]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=190</guid>
		<description><![CDATA[One of our readers, Anne, asked us where we find affordable fabrics for our sewing projects described in Madoline&#8217;s post Save Money by Sewing Your Own Clothes, so here we will share our favorite sources. Our information on physical fabric stores dates back 1-2 years, as we have moved to a remote area and no [...]]]></description>
			<content:encoded><![CDATA[<p>One of our readers, Anne, asked us where we find affordable fabrics for our sewing projects described in Madoline&#8217;s post <a title="Save Money by Sewing Your Own Clothes by Madoline Hatter" href="http://pecuniarities.com/save-money-by-sewing-your-own-clothes/101">Save Money by Sewing Your Own Clothes</a>, so here we will share our favorite sources. Our information on physical fabric stores dates back 1-2 years, as we have moved to a remote area and no longer shop for fabrics in physical stores. However, online fabric prices mentioned here were current at the time the post was written (March 7, 2008).</p>
<h3>Our Favorite Sources for Discount Fabrics</h3>
<ul>
<li><strong>Walmart</strong><br />
Some Walmart stores have discontinued their fabrics departments, but if a store in your area has not done so, it is the best source for affordable fabrics. While they carry many &#8220;fiber content unknown&#8221; fabrics, they also have many good quality fabrics suitable for clothing in the $1.00-$2.00 per yard price range. When some of their pricier fabrics run low on the bolt, they often lower the price to $1.00-$2.00 to clear it out &#8211; usually with between 1-3 yards left on the bolt, which is ample for making a regular sized outfit. Even the &#8220;fiber content unknown&#8221; fabrics can be used for some projects such as home decoration and miscellaneous crafts.</li>
<li><strong>Jo-Ann Stores</strong><br />
The physical Jo-Ann stores, especially the superstores, carry a huge selection of fabrics for all sorts of purposes &#8211; clothing, costuming, upholstery and crafts. While regular prices are often in the $3.00+ range, they often have large sections of quality fabrics on clearance for $1.00-$2.00 per yard. Joann.com often has free shipping promotions for orders $35 and above; just do a search on RetailMeNot.com for a coupon code.</li>
<li><strong>Fabric.com</strong><br />
Our preferred online fabric supplier is <a href="http://fabric.com" target="_blank">Fabric.com</a>. They carry a wide range of fabrics at reasonable prices, and often have a lot of good fabrics on sale or clearance from as low as $1.50 per yard and up. Be sure to check their clearance category frequently and check out the <a href="http://www.fabric.com/SitePages/CouponCorner.aspx" target="_blank">Fabric.com Coupon Corner</a> for current promotions. We have ordered from them several times and been pleased with the quality of the products as well as the service. Their warehouse is located in Georgia, so shipping via UPS usually takes a week to the West Coast, and we usually receive our orders within 9-10 days of our order. (Prices quoted in our original article <a title="Save Money by Sewing Your Own Clothes by Madoline Hatter" href="http://pecuniarities.com/save-money-by-sewing-your-own-clothes/101">Save Money by Sewing Your Own Clothes</a> were obtained from this site.) Fabric.com also offers free shipping on orders $35 and above.</li>
<li><strong>Jo-Ann.com</strong><br />
<a href="http://joann.com" target="_blank">Joann.com</a> carries a variety of craft supplies and fabrics, though I find their online selection of fabrics limited and not as well priced. However, they sometimes do have very good sales on fabrics with prices as low as $2.00 per yard. Their sale fabrics often sell-out very quickly, so you have to act quickly when you see them. They also frequently offer Free Shipping promotions for orders over $35, but they can be a little slow to ship. (We once waited over 2 weeks for them to ship an order.)</li>
</ul>
<p>New source (added October 4, 2009):<span id="more-190"></span></p>
<ul>
<li><strong>Hancock Fabrics<br />
</strong>We have yet to purchase from <a title="Hancock Fabrics" href="http://www.hancockfabrics.com/" target="_blank">Hancock Fabrics</a>, but it seems like a reputable company and they have good prices and offer free shipping on orders $75 and up.</li>
</ul>
<p>We haven&#8217;t purchased as much fabric lately as we have stocked up a lot of fabrics over the past few years. When purchasing fabrics, it is best wait to buy them on sale as it is rarely an urgent matter. With fabrics, when you see a good deal for a fabric you have a plan for and are certain to use, then snap it up before it is gone, because it most certainly will be gone very quickly. Just don&#8217;t snap up every bit of fabric that catches your eye. If you can&#8217;t think of a good use for it in the immediate or near future, or if you already have a lot of fabric sitting around waiting to be used, then it is best to let it go.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/the-frugal-literates-guide-to-affordable-reading/161" rel="bookmark" title="Permanent Link: The Frugal Literate&#8217;s Guide to Affordable Reading">The Frugal Literate&#8217;s Guide to Affordable Reading</a></li><li><a href="http://pecuniarities.com/patchwork-berets-from-fabric-scraps/109" rel="bookmark" title="Permanent Link: Patchwork Berets from Fabric Scraps">Patchwork Berets from Fabric Scraps</a></li><li><a href="http://pecuniarities.com/the-frugal-art/61" rel="bookmark" title="Permanent Link: The Frugal Art">The Frugal Art</a></li><li><a href="http://pecuniarities.com/elegant-french-memo-board-from-thrift-shop-picture-frame/178" rel="bookmark" title="Permanent Link: Elegant French Memo Board from Thrift Shop Picture Frame">Elegant French Memo Board from Thrift Shop Picture Frame</a></li><li><a href="http://pecuniarities.com/frugal-thermodymics-part-i-limiting-sources-of-heat-in-the-home/4145" rel="bookmark" title="Permanent Link: Frugal Thermodymics Part I: Limiting Sources of Heat in the Home">Frugal Thermodymics Part I: Limiting Sources of Heat in the Home</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<title>7 Cost-Cutting and Safer Alternative Household Tips</title>
		<link>http://pecuniarities.com/7-cost-cutting-and-safer-alternative-household-tips/186</link>
		<comments>http://pecuniarities.com/7-cost-cutting-and-safer-alternative-household-tips/186#comments</comments>
		<pubDate>Thu, 10 Apr 2008 08:14:37 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Cleaning]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home Decor]]></category>
		<category><![CDATA[cleaning]]></category>
		<category><![CDATA[curtains]]></category>
		<category><![CDATA[frugal]]></category>
		<category><![CDATA[home dec]]></category>
		<category><![CDATA[home decorating]]></category>
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		<category><![CDATA[household]]></category>
		<category><![CDATA[painting]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=186</guid>
		<description><![CDATA[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. [...]]]></description>
			<content:encoded><![CDATA[<p>These are some ways we save money without sacrificing the management or enjoyment of our home:</p>
<h3>Clean with Rubbing Alcohol</h3>
<p><img class="alignleft size-medium wp-image-188" style="float: left;" title="alcohol-spray-bottle-200" src="http://pecuniarities.com/wp-content/uploads/2008/04/alcohol-spray-bottle-200.jpg" alt="Isopropyl Alcohol Spray Bottle" width="150" height="200" />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 with alcohol might remove a little paint or varnish.</p>
<p><span style="font-size: xx-small;">Left: One of our handy all-purpose isopropyl alcohol spray bottles that we keep around the house.</span></p>
<p>A few things we regularly use rubbing alcohol to clean are:</p>
<ul>
<li>Library books before reading</li>
<li>Pillowcases before going to bed (in case pets have used our pillows in our absence)</li>
<li>Doorknobs</li>
<li>Cosmetic containers and surfaces (where we keep and apply makeup)</li>
<li>Closets where we store pillowcases, clothing, and towels</li>
<li>Office equipment such as phones and computers</li>
<li>Mirrors</li>
<li>Washer and dryer openings that come into contact with dirty laundry before we take out our clean laundry</li>
</ul>
<h3>Exterminate with Rubbing Alcohol</h3>
<p>Yet another use for the wonderful isopropyl is in killing unwelcome insects. Because we have pets, Penelope and I are very reluctant to use poisons. A squirt of alcohol, which can even reach a tiny bug on the ceiling, makes most insects drop dead (no squashed guts!). A spritz can also drop airborne flies and gnats. There are no worries of children or pets touching and ingesting insecticides, and even adults can reduce cancer risk by avoiding exposure to many household chemicals. For tougher insects, white vinegar is more effective and although it leaves a smell, is healthier for everyone except the bug. A spritz of vinegar is more effective than a fly swatter because the fly thinks it&#8217;s water and does not try to escape.<br />
<span id="more-186"></span></p>
<h3>Dilute Cleaning Solutions</h3>
<p>When necessary, we prefer name-brand cleaners such as Lysol or 409 as being safer and more effective than cheap alternatives with suspiciously jaunty names. These cleaning products are—as expected—rather expensive and the use of spray bottles very wasteful (a whole squirt to wipe one or two paw prints). Adding water to cleaners in spray bottles allow for spot cleaning or covering large areas with less waste. The amount of dilution depends on the intended use—weaker for kitchen and table, more potent for bathrooms and pet accidents.</p>
<h3>Alternatives for Curtain Rods</h3>
<p>Instead of using store-bought curtain rods, we sometimes hang curtains from evenly spaced nails over both arched and straight windows. 5 to 7 nails cost much less than the cheapest curtain rod and the result is very attractive. We paint the nail heads to match the walls and keep the grease from staining fabrics. Framing nails are best as they do not bend when pounded into hard wood. The curtains can be hung by loops, ribbon ties, or button holes. (More details will be given in a future article.)</p>
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<h3>Spaghetti as Long Matches</h3>
<p>Instead of long matches which can only be used once, ignite spaghetti noodles from stove tops or regular lighters to light sunken down candles and other hard to reach things. The noodles can be used until they are too short. After each use, break off the completely burnt tips, leaving about a quarter inch of charred noodle to make it easier to light next time. Make sure to completely blow out the noodle after use. Some brands of pasta take longer to light.</p>
<h3>Scented Light Bulbs as Votives</h3>
<p><a href="http://www.amazon.com/gp/product/B0010JTKYW?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0010JTKYW"><img class="alignleft size-full wp-image-187" style="float: left;" title="tangerinewax" src="http://pecuniarities.com/wp-content/uploads/2008/04/tangerinewax.jpg" border="0" alt="Tangerine Scented Wax" width="120" height="120" /></a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B0010JTKYW" border="0" alt="" width="1" height="1" />Instead of burning votive candles or melting scented wax in burners, rub softened scented wax onto light bulbs. When the lights are turned on, the heat from the bulbs will release the fragrance. Even energy saving bulbs get warm when in use. This saves you the expense of candles and tea lights as well as the risk of candle fires.</p>
<h3>Paint Plain White for Easy Maintenance</h3>
<p>We paint our floors and many pieces of furniture with non-tinted white paint, using the generic brand of our local hardware store. The reason for this is that we have rather large active dogs who naturally scratch, bang, and sometimes chew our house. And admittedly, we humans sometimes drag chairs or accidentally carry large objects into the walls. Using a color easily available, we touch up wear and tear with very little expense and trouble. Of course, our home doesn&#8217;t resemble a white void. We simply have to take extra care not to chip the colored things. Diluting paint with water makes repaired areas less conspicuous.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/april-2008-finance-and-frugality-blog-carnivals/191" rel="bookmark" title="Permanent Link: April 2008 Finance and Frugality Blog Carnivals">April 2008 Finance and Frugality Blog Carnivals</a></li><li><a href="http://pecuniarities.com/interesting-reads-from-fellow-personal-finance-bloggers-2/177" rel="bookmark" title="Permanent Link: Interesting Reads from Fellow Personal Finance Bloggers #2">Interesting Reads from Fellow Personal Finance Bloggers #2</a></li><li><a href="http://pecuniarities.com/pay-bills-online-and-save/5" rel="bookmark" title="Permanent Link: Pay Bills Online and Save">Pay Bills Online and Save</a></li><li><a href="http://pecuniarities.com/festival-of-frugality-152-affected-by-recession-edition/1726" rel="bookmark" title="Permanent Link: Festival of Frugality #152: Affected by Recession Edition">Festival of Frugality #152: Affected by Recession Edition</a></li><li><a href="http://pecuniarities.com/101-ways-to-save-money-in-your-everyday-life/1123" rel="bookmark" title="Permanent Link: 101 Ways to Save Money in Your Everyday Life">101 Ways to Save Money in Your Everyday Life</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<slash:comments>4</slash:comments>
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		<title>Elegant French Memo Board from Thrift Shop Picture Frame</title>
		<link>http://pecuniarities.com/elegant-french-memo-board-from-thrift-shop-picture-frame/178</link>
		<comments>http://pecuniarities.com/elegant-french-memo-board-from-thrift-shop-picture-frame/178#comments</comments>
		<pubDate>Mon, 07 Apr 2008 07:03:40 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Books]]></category>
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		<category><![CDATA[hot glue]]></category>
		<category><![CDATA[memo board]]></category>
		<category><![CDATA[memo boards]]></category>
		<category><![CDATA[picture frame]]></category>
		<category><![CDATA[satin ribbons]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=178</guid>
		<description><![CDATA[ This project provided an attractive way to post incoming sewing orders without causing our home to resemble a warehouse or factory. It took very little time and cost about $3.
I started with a fancy picture frame from the thrift shop and cut a piece of black velvet slightly larger than the board which backs [...]]]></description>
			<content:encoded><![CDATA[<p>
<a href="http://pecuniarities.com/wp-content/gallery/french-memo-board/french-memo-board-400_0.jpg" title="French Memo Board made with an old picture frame, fabric and ribbons." class="thickbox" rel="singlepic73" >
	<img class="ngg-singlepic ngg-left" src="http://pecuniarities.com/wp-content/gallery/cache/73__226x300_french-memo-board-400_0.jpg" alt="french-memo-board-400_0.jpg" title="french-memo-board-400_0.jpg" />
</a>
 This project provided an attractive way to post incoming sewing orders without causing our home to resemble a warehouse or factory. It took very little time and cost about $3.</p>
<p>I started with a fancy picture frame from the thrift shop and cut a piece of black velvet slightly larger than the board which backs the frame. This velvet, padded with a piece of old fleece, covered the board and was glued to the back with hot glue. Black satin ribbons were arranged in an even lattice and glued securely in the back and crisscross points. The board was then re-inserted in the frame which now hangs on the wall.</p>
<p>An additional benefit from this project was that the glass cover from this picture frame  replaced another which had been scratched.</p>
<p>Endless fabric combinations and styles are possible in making these memo boards. They can even have buttons or faux pearls where the ribbons cross. Those who do not have or wish to purchase fabric can salvage material from old clothing and bedding. Worn or faded fabrics may look shabby on a person, but acquire a vintage dignity when used in decorating.</p>
<p><!--nevermore--></p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/frugal-home-dec-tip-electrical-outlet-or-light-switch-frame/194" rel="bookmark" title="Permanent Link: Frugal Home Dec Tip: Electrical Outlet or Light Switch Frame">Frugal Home Dec Tip: Electrical Outlet or Light Switch Frame</a></li><li><a href="http://pecuniarities.com/cabinet-secrets-uses-for-useless-things/88" rel="bookmark" title="Permanent Link: Cabinet Secrets: Uses for Useless Things">Cabinet Secrets: Uses for Useless Things</a></li><li><a href="http://pecuniarities.com/thinking-inside-the-box-some-uses-for-cardboard-cartons/132" rel="bookmark" title="Permanent Link: Thinking inside the box: Some Uses for Cardboard Cartons">Thinking inside the box: Some Uses for Cardboard Cartons</a></li><li><a href="http://pecuniarities.com/free-printable-templates-dairy-cow-milk-cartons-black-brown-tan-white/3759" rel="bookmark" title="Permanent Link: Free Printable Templates: Dairy Cow Milk Cartons (Black, Brown, Tan &#038; White)">Free Printable Templates: Dairy Cow Milk Cartons (Black, Brown, Tan &#038; White)</a></li><li><a href="http://pecuniarities.com/shop" rel="bookmark" title="Permanent Link: Shop">Shop</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>The Benefits of Deprivation: 10 Days Without Air Conditioning and Counting! Plus Tips for Staying Cool</title>
		<link>http://pecuniarities.com/the-benefits-of-deprivation-10-days-without-air-conditioning-and-counting-plus-tips-for-staying-cool/1158</link>
		<comments>http://pecuniarities.com/the-benefits-of-deprivation-10-days-without-air-conditioning-and-counting-plus-tips-for-staying-cool/1158#comments</comments>
		<pubDate>Mon, 15 Mar 2010 15:54:33 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Heating & Cooling]]></category>
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		<guid isPermaLink="false">http://pecuniarities.com/?p=1158</guid>
		<description><![CDATA[
When our A/C went out two Sundays ago, my first reaction was panic. We live in the desert where we have been experiencing triple digit temperatures and we have esteemed air conditioning as one of the dire necessities of life. So when our central air went out last weekend, my first thought was that we [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-1167 aligncenter" title="Sunset Photo by Vera Volsanska" src="http://pecuniarities.com/wp-content/uploads/2008/09/sunset-400.jpg" alt="" width="400" height="200" /></p>
<p>When our A/C went out two Sundays ago, my first reaction was panic. We live in the desert where we have been experiencing triple digit temperatures and we have esteemed air conditioning as one of the dire necessities of life. So when our central air went out last weekend, my first thought was that we had to call the repair people first thing Monday morning and get it fixed ASAP to avoid extreme suffering.</p>
<p>By Sunday night, however, I began singing a different tune. Yes, it was hotter than h*** as we had a high of 104 that day and sweated a lot more than we would have liked. But the point was that we had survived it, and without any real harm to ourselves except for discomfort. I started fantasizing of the money that could be saved by going the rest of the summer without it.</p>
<p>I&#8217;ve also been thinking of how often we forget what we really could live without. We grew up in Hawaii where the average middle-class home doesn&#8217;t have air conditioning and many don&#8217;t even have insulation. I have memories of hot, humid summers when the entire house was unbearably hot and sweating was a normal part of life. In the winters (and trust me, it does get cold there) I would go to bed wearing at least 2 layers (one of which was sweatshirt and sweatpants), socks and occasionally a cap, under 3 layers of blankets.</p>
<p>But since moving to California in 2003, A/C has become a regular and expected part of life, and we got so used to the luxury that we would turn it on as soon as we felt hot. Of course, being the tropical beasts that we are, 82°-83° keep us sufficiently cool and happy.</p>
<p>So, while it has still been hot (we&#8217;ve still had highs in the 100°s), it has been begun getting a little cooler, so we have decided to postpone the A/C repair in the interest of saving and as a matter of discipline. We consider ourselves lucky that our A/C graciously waited until the latter part of summer to go on vacation.</p>
<p>Over this past week, we have learned a few things about how to keep cool without the A/C, but most importantly, that <strong>we have been overusing it by not taking advantage of cooler nighttime temperatures</strong>. In the past couple of months, we have sometimes kept the A/C on auto 24/7. Even though we set the thermostat around 82°-83°, the A/C still came on at night when outside temperatures were lower because the house was hot from being closed up. So here are a few tips for lowering and saving money on air conditioning use.</p>
<h2>Tips for Going Without and/or Saving on Air Conditioning</h2>
<ul>
<li>Turn on fans to keep the air circulating.</li>
<li>Set ceiling fans to turn clockwise (counter-clockwise looking toward it).</li>
<li>Keep curtains or blinds closed during the day.</li>
<li>Use light colored curtains to deflect heat.</li>
<li>Keep windows and doors closed tightly to keep the house cool.</li>
<li>If there is a breeze or if outside air feels cooler than inside, open the window bringing in the cooler.</li>
<li>Keep sunny windows closed if there is no breeze.</li>
<li>In late afternoon, as soon as outside temperatures feel lower than inside temperatures, open all windows and doors.</li>
<li>In the evening, when it&#8217;s cool outdoors but still hot indoors, place fans in front of open windows to draw in the cool air.</li>
<li>Keep as many windows as possible open during night to take advantage of the cool night air to lower inside temperatures.</li>
<li>In the morning, close windows as soon as the outside air begins feeling warmer than inside air.</li>
<li>Limit strenuous physical activity until evening.</li>
<li>Drink lots of cold water.</li>
<li>When hot, use a water spritzer to spray yourself. The evaporating water will make you feel cool. (For fun, you can also spritz the water upwards and feel it fall down on you. The coldness can be quite shocking.)</li>
<li>Tie a wet bandanna around your neck (this is something I do for my dog to prevent overheating and heatstroke during the summer).</li>
<li>if you work for yourself and set your own schedule, you could take advantage of cooler temperatures to get work done at night as you might enjoy more clarity of mind and get more done without the heat.</li>
</ul>
<p><span id="more-1158"></span></p>
<p style="text-align: center;"><img class="size-full wp-image-1168 aligncenter" title="Moon Light Photo by Petr Kratochvil" src="http://pecuniarities.com/wp-content/uploads/2008/09/moonlight-400.jpg" alt="" width="400" height="200" /></p>
<p style="text-align: center;">
<h2>What I&#8217;ve Learned From My Air Conditioning Breaking</h2>
<ul>
<li>I&#8217;ve been spoiled by having A/C these past few years.</li>
<li>A/C is a luxury.</li>
<li>A little deprivation is good for you because it makes you appreciate the most basic things in life such as a cold drink and the slightest breeze.</li>
<li>A warm breeze is better than none.</li>
<li>Sweating may be unpleasant but it doesn&#8217;t hurt you (it may even be good for you).</li>
</ul>
<p>Does this mean we&#8217;re just going to go indefinitely  without our air conditioning? No, of course not, because we will be needing it when next summer rolls around and we start getting 105°-112° temperatures again. We are human after all, and as we work at home, we do need to be able to have a certain degree of comfort in order to fully concentrate and function at full capacity in our work.</p>
<p>On a similar note, our heater also went out last winter and we spent most of the winter without it. Outside temperatures were often in the 20s and 30s, and inside was in the 50s and low 60s. It was also uncomfortable, but we came through none the worse (well, maybe a little fatter because we might have eaten more to stay warm).</p>
<p>We will be getting both the A/C and heater repaired some time this fall, but now we that we&#8217;ve been reminded of our ability to do without, we will hopefully start to see lower electric and gas bills in the months and years to come.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/interesting-reads-from-fellow-personal-finance-bloggers-9/1376" rel="bookmark" title="Permanent Link: Interesting Reads from Fellow Personal Finance Bloggers #9">Interesting Reads from Fellow Personal Finance Bloggers #9</a></li><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-2-%e2%80%93-how-we-stayed-cool-without-ac/4379" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C">No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C</a></li><li><a href="http://pecuniarities.com/introducing-pecuniary-associates-interesting-reads-from-fellow-personal-finance-bloggers-17/3450" rel="bookmark" title="Permanent Link: Introducing Pecuniary Associates &#038; Interesting Reads From Fellow Personal Finance Bloggers #17">Introducing Pecuniary Associates &#038; Interesting Reads From Fellow Personal Finance Bloggers #17</a></li><li><a href="http://pecuniarities.com/basics-for-the-young-single-and-frugal/158" rel="bookmark" title="Permanent Link: Basics for the Young, Single and Frugal">Basics for the Young, Single and Frugal</a></li><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-1-%e2%80%93-how-it-started-no-heat-winters/4352" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters">No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-09-16 10:00:44. </small></p>]]></content:encoded>
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		<slash:comments>7</slash:comments>
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		<title>Frugal, Fun and Productive Summer Activities</title>
		<link>http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253</link>
		<comments>http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#comments</comments>
		<pubDate>Sat, 13 Feb 2010 11:05:29 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Books]]></category>
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		<guid isPermaLink="false">http://pecuniarities.com/?p=253</guid>
		<description><![CDATA[For the lucky few who have extra leisure time this summer, I thought I&#8217;d put together some suggestions for productive and fun activities that will help enhance your personal, academic and/or professional life. Some of these suggestions are addressed as if to young people (students, adolescents, etc.) but can also apply to grown-ups.
My suggestions are [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-254" style="margin: 5px; float: left;" title="Dandelion Photo by Petr Kratochvil PublicDomainPictures.net" src="http://pecuniarities.com/wp-content/uploads/2008/06/dandelion.jpg" alt="Dandelion Photo by Petr Kratochvil PublicDomainPictures.net" height="100" />For the lucky few who have extra leisure time this summer, I thought I&#8217;d put together some suggestions for productive and fun activities that will help enhance your personal, academic and/or professional life. Some of these suggestions are addressed as if to young people (students, adolescents, etc.) but can also apply to grown-ups.</p>
<p>My suggestions are divided into the following subsections:</p>
<ul>
<li><a title="Summer Hobbies" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#hobbies">Summer Hobbies</a> &#8211; activities with lasting benefits and meaning<a title="Summer Hobbies" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#hobbies"><br />
</a></li>
<li><a title="Summer Studies" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#studies">Summer Studies</a> &#8211; develop skills that will be useful in life<a title="Summer Studies" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#studies"><br />
</a></li>
<li><a title="Summer To-Do's" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#tasks">Summer To-Do&#8217;s</a> &#8211; a few ways to get your life or home in order<a title="Summer To-Do's" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#tasks"><br />
</a></li>
<li><a title="Summer Fitness" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#fitness">Summer Fitness</a> &#8211; ways to keep cool and stay fit<a title="Summer Fitness" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#fitness"><br />
</a></li>
<li><a title="Summer Pet Bonding" href="http://pecuniarities.com/frugal-fun-and-productive-summer-activities/253#pets">Summer Pet Bonding</a> &#8211; make your pet happy and you healthy</li>
</ul>
<h3>Summer Hobbies</h3>
<p>Here are some ideas for catching up on tasks that may have been neglected during the year.</p>
<ul>
<li><strong>Write in your journal</strong><br />
Write about your past year, what&#8217;s on your mind, who and what you like and dislike, your daydreams, anything. In future years you will be glad you did it and also amused by your younger self. You think you will always remember what happened when, but as time goes by, memories do fade and become forgotten. (Trust me, I&#8217;m speaking from experience and I&#8217;m not yet 30 and have a memory better than most.)</li>
<li><strong>Make a family video</strong><br />
Go around the house and take a video of your family going about its regular business. You will be glad for the memories one day.</li>
<li><strong>Scrapbook</strong><br />
Organize family photos, report cards, birthday cards, artwork, concert programs and other keepsakes from the past year into a scrapbook.</li>
<li><strong>Reading</strong><br />
Reading (even fun fiction) can help improve your mind, vocabulary, grammar and writing skills. If you go to the library, you can read in an air-conditioned environment without having to pay for the air-conditioning or the books.</li>
</ul>
<p><a name="studies"></a></p>
<h3>Summer Studies</h3>
<p>Yes, summer should be fun, but there&#8217;s no reason it can&#8217;t be both fun and productive.</p>
<ul>
<li><strong>Learn a new language<br />
</strong>The benefits of learning languages are endless. Learning a new language can help you to:</p>
<ul>
<li>Get ahead in your career</li>
<li>Make new friends from different parts of the world. When you show an interest in someone&#8217;s language or culture, they are often appreciative and take an interest in you in return.</li>
<li>Improve your English (or first language)</li>
</ul>
</li>
<li><strong>Learn to play a musical instrument</strong><br />
Music enhances the mind in many ways. Studies have shown that children who study music at an early age do better in school than those who don&#8217;t. Aside from that, it is also just plain fun.</li>
<li><strong>Learn to sew</strong><br />
Sewing is a very useful skill to have regardless of your gender. You can learn to mend clothes, make your own clothes and other things for your house, which can save you a lot of money. Older and more skilled children can even make their own clothes for the coming school year. Check out one of our earlier articles for more info: <a title="Save Money by Sewing Your Own Clothes" href="http://pecuniarities.com/save-money-by-sewing-your-own-clothes/101" target="_self">Save Money by Sewing Your Own Clothes</a>.</li>
<li><strong>Take a computer class</strong><br />
Learn to type properly, use a spreadsheet or database, design websites, make presentations, etc. Most jobs these days involve computer use, so knowing as much as you can about computers might help you get a higher salary.</li>
</ul>
<p><a name="tasks"></a></p>
<h3>Summer To-Do&#8217;s</h3>
<p>A few suggestions for improving life at home and getting ahead on the coming year.</p>
<ul>
<li><strong>Get a head start on your Christmas shopping</strong><br />
This could save you time and money because you can shop at your leisure and take advantage of summer sales. Leaving your shopping to the last minute usually costs more because you are up against a deadline and usually have fewer options.</li>
<li><strong>Sort through your stuff</strong><br />
Go through your clothes and things and prune out those you no longer want or need. You could donate the things you no longer need or hold a garage or yard sale and make some money to put into your college or retirement savings.</li>
<li><strong>Re-arrange your room or home</strong><br />
Re-arranging your room or home can have a positive impact on your life. A change can be uplifting and produce an overall feeling of well-being and accomplishment, renew your energy and increase productivity.</li>
<li><strong>Clean out your computer</strong><br />
Ideally you would do this several times a year, but if you use the internet and download a lot of things, it&#8217;s a good idea to clean out your computer on a regular basis. If there are programs you don&#8217;t use, uninstall them. If there are files that you no longer need, delete them. Clean your registry if you&#8217;ve had the computer for a while. Keeping your hard drive from getting too full will extend its life.</li>
</ul>
<p><span id="more-253"></span></p>
<p><a name="fitness"></a></p>
<h3>Summer Fitness</h3>
<p>A few suggestions for staying cool and healthy this summer.</p>
<ul>
<li><strong>Mall Walking<br />
</strong>Walking in an indoor, air-conditioned mall is a great way to get exercise away from the heat and smog, and you can also save on sunscreen. You can even window-shop during your walks, but if you think you might get too tempted, <em>leave your money and credit card at home</em>.</li>
<li><strong>Swimming in an indoor pool<br />
</strong>Swimming is another low-impact exercise (safer than running) which increases endurance, muscle and cardiovascular strength. Try to swim in an indoor pool whenever possible or wait until early evening to avoid sunburn.</li>
<li><strong>Ice Skating</strong><br />
Not only does it let you get away from the heat, but it&#8217;s a good low-impact and aerobic exercise which will help strengthen your bones and cardiovascular system. Taking some lessons and learning to skate properly can be worth the money.</li>
</ul>
<p><a name="pets"></a></p>
<h3>Summer Pet Bonding</h3>
<p>If you have a pet, spend some quality time together. Not only will you make your pet very happy, he/she will help make you healthier. (<a title="How Pets Help People" onclick="urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/edit.php');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post-new.php?posted=253');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/www.hsus.org/pets/pet_care/how_pets_help_people/?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');" href="http://www.hsus.org/pets/pet_care/how_pets_help_people/" target="_blank">How Pets Help People</a>)</p>
<ul>
<li><strong>Take your dog to obedience school</strong><br />
Obedience school is good for socializing and teaching discipline. There is nothing wrong with repeating obedience school for fun and refreshing both your memories.</li>
<li><strong>Teach your dog new tricks</strong><br />
There are lots of fun tricks you can teach your dog: beg, spin (in both directions), roll, speak, catch a ball or frisbee, etc. You can also teach your dog to be helpful around the house: closing the door or brining you something you dropped. Dogs enjoy feeling helpful and learning new things can keep mature dogs&#8217; minds sharp.</li>
<li><a title="Uncle Sam Dog Costume by Franga Designs" onclick="urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/edit.php');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post-new.php?posted=253');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/uncle-sam-costume-dog-coat-top-hat-p-33.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');" href="http://frangadesigns.com/index.php?main_page=product_info&#038;cPath=2_17_18&#038;products_id=33" target="_self"><img class="alignright" style="margin: 5px; float: right;" src="http://frangadesigns.com/bmz_cache/1/10890c14c3b00bf7d7a3cc411c9726a3.image.112x150.jpg" alt="Uncle Sam Dog Costume by Franga Designs" /></a><strong>Take your dog for long evening strolls or hikes</strong><br />
If going hiking, be sure to take another person along, bring lots of water and plastic bags, and make sure your dog&#8217;s feet are protected from rough terrain. For your dog&#8217;s and other hikers&#8217; safety, never let him off-leash on a hiking trail.</li>
<li><strong>Enter your dog in a 4th of July costume contest</strong><br />
Make a fun costume for your dog and enter a costume contest or parade. (Sorry, for the self-promotion, but if you don&#8217;t want to make your own costume, check out some of our <a title="Patriotic Dog Costumes by Franga Designs" onclick="urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/edit.php');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post-new.php?posted=253');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com/holiday-seasonal-4th-of-july-c-2_17_18.html?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');" href="http://frangadesigns.com/index.php?main_page=index&#038;cPath=2_17_18" target="_self">patriotic dog clothing and costumes</a> at <a title="Franga Equestrian and Pet Boutique" onclick="urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=1&amp;_wp_original_http_referer=http%3A%2F%2Fourfourpenceworth.com%2Fwp-admin%2Fedit.php');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/edit.php');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post-new.php?posted=253');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');urchinTracker('/outgoing/frangadesigns.com?referer=http://pecuniarities.com/wp-admin/post.php?action=edit&amp;post=253&amp;message=4');" href="http://frangadesigns.com" target="_self">Franga Designs</a>.)</li>
</ul>
<p>Well, I hope some of these suggestions prove helpful in making your summer both fun and productive. <em>Vas-y t&#8217;amuser!</em></p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/june-2008-finance-and-frugality-blog-carnivals/242" rel="bookmark" title="Permanent Link: June 2008 Finance and Frugality Blog Carnivals">June 2008 Finance and Frugality Blog Carnivals</a></li><li><a href="http://pecuniarities.com/under-the-weather-recommended-reading/257" rel="bookmark" title="Permanent Link: Under the Weather &#8211; Recommended Reading">Under the Weather &#8211; Recommended Reading</a></li><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-1-%e2%80%93-how-it-started-no-heat-winters/4352" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters">No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters</a></li><li><a href="http://pecuniarities.com/language-lesson-frugality-is-a-virtue/37" rel="bookmark" title="Permanent Link: Language Lesson ~ Frugality is a Virtue">Language Lesson ~ Frugality is a Virtue</a></li><li><a href="http://pecuniarities.com/frugal-thermodymics-part-i-limiting-sources-of-heat-in-the-home/4145" rel="bookmark" title="Permanent Link: Frugal Thermodymics Part I: Limiting Sources of Heat in the Home">Frugal Thermodymics Part I: Limiting Sources of Heat in the Home</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-06-09 05:28:43. </small></p>]]></content:encoded>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Healthy Alternatives to Aerosol Air Fresheners</title>
		<link>http://pecuniarities.com/healthy-alternatives-for-aerosol-air-fresheners/1364</link>
		<comments>http://pecuniarities.com/healthy-alternatives-for-aerosol-air-fresheners/1364#comments</comments>
		<pubDate>Tue, 02 Feb 2010 08:59:40 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Cleaning]]></category>
		<category><![CDATA[Crafts]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home Decor]]></category>
		<category><![CDATA[air fresheners]]></category>
		<category><![CDATA[Children]]></category>
		<category><![CDATA[crafts]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[home and garden]]></category>
		<category><![CDATA[homemaking]]></category>
		<category><![CDATA[housekeeping]]></category>
		<category><![CDATA[Pets]]></category>
		<category><![CDATA[pomander]]></category>
		<category><![CDATA[potpourri]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=1364</guid>
		<description><![CDATA[
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 [...]]]></description>
			<content:encoded><![CDATA[<p><img class="size-full wp-image-1365 alignleft" style="margin-left: 5px; margin-right: 5px;" title="Yellow Rose Photo by Petr Kratochvil" src="http://pecuniarities.com/wp-content/uploads/2008/10/yellow-rose-and-flowers.jpg" alt="" width="230" height="154" /></p>
<p>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?</p>
<p>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.</p>
<p>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.</p>
<p><span id="more-1364"></span></p>
<h2>Scented candles</h2>
<p><a href="http://www.amazon.com/gp/redirect.html?ie=UTF8&amp;location=http%3A%2F%2Fwww.amazon.com%2FScented-Votives-Red-Hot-Cinnamon%2Fdp%2FB0002TJS0C%3Fie%3DUTF8%26s%3Dhome-garden%26qid%3D1222922782%26sr%3D1-6&amp;tag=ourfouwor-20&amp;linkCode=ur2&amp;camp=1789&amp;creative=9325"><img class="alignleft" style="margin-left: 5px; margin-right: 5px;" title="Scented Candles" src="http://ecx.images-amazon.com/images/I/51dvuLwz6uL._AA280_.jpg" alt="" width="150" height="150" /></a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=ur2&amp;o=1" border="0" alt="" width="1" height="1" /></p>
<p>Scented candles are ideal for bathrooms as they are resistant to humidity. Light these whenever needed. They are great for eliminating odor from strong smelling foods after cooking or eating. I like to read and write by candlelight and always have votive candles in wine glasses on my desk.</p>
<p>If you are afraid of fire, place short, fat candles in heavy glass jars. Small flames usually extinguish themselves when a candle is dropped, but if you want to be extra safe, place candles in sturdy glass jars taller than the candle, so that the flame is contained should the jar tip. Light sunken or hard to reach candles with a burning spaghetti noodle.</p>
<h2>Potpourri</h2>
<p>Keep in bowls, pouches, out of reach of pets and small children who might eat sweet smelling things. You can even pull out the poly-fill of a stuffed animal, mix potpourri into the fluff and re-stuff. A scented stuffed animal can be placed on shelves, in drawers, or near your bed if it contains sleep enhancing herbs. Do not give an herbal toy to children or pets unless you are sure that the ingredients are safe.</p>
<h2>Cloth Sachets Filled With Dried Herbs</h2>
<p>Good for keeping your clothes fresh and bug free. You can make or purchase very pretty ones. Add scented oils if desired for a stronger scent. We use cedar filled pouches for closets and inside the piano.</p>
<h2>Pomanders</h2>
<p>These are scented balls made with oranges and cloves (instructions below) that last for years. They are natural, very fragrant and deter insects. Pomanders can be decorated and hung in your closets, around your home, and in your car. They can also be placed in drawers and storage boxes. You could make a bunch for Christmas ornaments and then redistribute them for use around the house after the holidays.</p>
<p><img class="aligncenter size-full wp-image-1367" title="Autumn Fruits Photo by Petr Kratochvil" src="http://pecuniarities.com/wp-content/uploads/2008/10/pumpkin-and-fruits.jpg" alt="" width="400" height="267" /></p>
<h2>Fresh flowers</h2>
<p>These don&#8217;t last as long, but are not expensive if you have a garden.</p>
<h2>Pet Perfumes and Colognes</h2>
<p>If your home has pet odors, you might consider using colognes and perfumes formulated for pets. If your pet is prone to allergies, ill, very old, or very young, you should get your vet&#8217;s recommendation for a product. Remember that not all products marketed for pets are entirely safe and that products formulated for dogs may be harmful to cats. The best air freshener may be a bath for your cat or dog. If odors are cause by skin conditions, herbs with antibacterial and anti-fungal properties may be helpful. But always research ingredients so that you do not accidentally poison your pet.</p>
<h2>How to make a pomander</h2>
<p>You might want to make a dozen or more at a time because a pomander will last forever (unless they get wet).</p>
<ol>
<li>Take an orange, lime, or lemon.</li>
<li>Prick holes in the skin with a large needle and insert whole cloves until you have a prickly ball. For a neat appearance, space the cloves like longitudinal lines on a globe.</li>
<li>Cure the pomade by rolling it in powdered herbs and letting it dry for several weeks.</li>
<li>During the drying process, coat regularly with powdered herbs to prevent mould. Pomander will shrink as it cures.</li>
<li>Decorate with ribbons and flowers if desired.</li>
<li>To renew scent after long use, treat with essential oils and roll in powdered herbs.</li>
</ol>
<h3>Powdered Herbs for curing pomanders (use one or more)</h3>
<ul>
<li>Cinnamon</li>
<li>Ginger</li>
<li>Clove</li>
<li>Myrrh</li>
<li>Nutmeg (toxic to cats and dogs)</li>
</ul>
<h3>Some Common Fragrance Herbs</h3>
<ul>
<li> Lavender</li>
<li>Lemon</li>
<li>Rose Geranium</li>
<li>Rose</li>
<li>Orange</li>
<li>Cinnamon</li>
<li>Allspice</li>
<li>Bayberry</li>
<li>Pine</li>
<li>Citrus</li>
<li>Sandalwood</li>
<li>Mint</li>
</ul>
<p><strong>Recommended Reading</strong><br />
<a title="Air Fresheners: Are they bad for my health?" href="http://health.msn.com/health-topics/cancer/articlepage.aspx?cp-documentid=100216588&gt;1=31024">Air Fresheners: Are they bad for my health?</a></p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/interesting-reads-from-fellow-personal-finance-bloggers-10/1562" rel="bookmark" title="Permanent Link: Interesting Reads from Fellow Personal Finance Bloggers #10">Interesting Reads from Fellow Personal Finance Bloggers #10</a></li><li><a href="http://pecuniarities.com/free-printable-gift-accessories-by-madoline-hatter/506" rel="bookmark" title="Permanent Link: Free Printable Gift Accessories by Madoline Hatter">Free Printable Gift Accessories by Madoline Hatter</a></li><li><a href="http://pecuniarities.com/tricky-treats-for-trick-or-treaters-healthy-and-useful-alternatives-to-halloween-candy/1498" rel="bookmark" title="Permanent Link: Tricky Treats for Trick-or-Treaters: Healthy and Useful Alternatives to Halloween Candy">Tricky Treats for Trick-or-Treaters: Healthy and Useful Alternatives to Halloween Candy</a></li><li><a href="http://pecuniarities.com/7-cost-cutting-and-safer-alternative-household-tips/186" rel="bookmark" title="Permanent Link: 7 Cost-Cutting and Safer Alternative Household Tips">7 Cost-Cutting and Safer Alternative Household Tips</a></li><li><a href="http://pecuniarities.com/life-is-too-short-to-sleep-on-low-thread-count-sheets/1566" rel="bookmark" title="Permanent Link: Life Is Too Short to Sleep On Low Thread-Count Sheets">Life Is Too Short to Sleep On Low Thread-Count Sheets</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-10-02 06:00:38. </small></p>]]></content:encoded>
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		<slash:comments>6</slash:comments>
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		<title>DIM (Did-it-Myself!) Country Kitchen Storage Shelf</title>
		<link>http://pecuniarities.com/dim-did-it-myself-country-kitchen-storage-shelf/4120</link>
		<comments>http://pecuniarities.com/dim-did-it-myself-country-kitchen-storage-shelf/4120#comments</comments>
		<pubDate>Tue, 12 May 2009 13:00:13 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Furniture]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home Decor]]></category>
		<category><![CDATA[basket]]></category>
		<category><![CDATA[baskets]]></category>
		<category><![CDATA[cabinet]]></category>
		<category><![CDATA[cabinets]]></category>
		<category><![CDATA[carpentry]]></category>
		<category><![CDATA[clutter]]></category>
		<category><![CDATA[country kitchen]]></category>
		<category><![CDATA[food storage]]></category>
		<category><![CDATA[furniture]]></category>
		<category><![CDATA[home dec]]></category>
		<category><![CDATA[home decorating]]></category>
		<category><![CDATA[home improvment]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[household]]></category>
		<category><![CDATA[kitchen]]></category>
		<category><![CDATA[kitchen shelf]]></category>
		<category><![CDATA[kitchen storage]]></category>
		<category><![CDATA[nice]]></category>
		<category><![CDATA[organization]]></category>
		<category><![CDATA[paint]]></category>
		<category><![CDATA[painting]]></category>
		<category><![CDATA[paints]]></category>
		<category><![CDATA[project]]></category>
		<category><![CDATA[Recipes]]></category>
		<category><![CDATA[shelf]]></category>
		<category><![CDATA[Storage]]></category>
		<category><![CDATA[wicker baskets]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=4120</guid>
		<description><![CDATA[Our new DIY country kitchen shelf and frugal kitchen storage solutions for under $10.]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-4122 alignnone" title="Country Shelf" src="http://pecuniarities.com/wp-content/uploads/2009/05/cow-shelf-400.jpg" alt="Country Shelf" width="300" height="400" /></p>
<p style="text-align: left;">Even though we live at the edge of a growing suburb with new houses springing up around us every year, we sort of think of our house as being in the country. It is still a little isolated and teeming with birds, bugs and lawn-destroying rabbits. And now that summer is coming on, the yard smells like roses and grass (we are actually terrible gardeners, but the roses proved incredibly hardy).</p>
<p style="text-align: left;">And because we call this country life, we built a country themed shelf for our kitchen with a dairy cow pattern on the sides. The purpose of this shelf is to keep clutter off the counter and store towels and non-perishables in an attractive manner.</p>
<p style="text-align: center;"><img class="size-full wp-image-4124 aligncenter" title="Garlic Onions &amp; Apples" src="http://pecuniarities.com/wp-content/uploads/2009/05/garlic-onions-and-apples-40.jpg" alt="Garlic Onions &amp; Apples" width="400" height="300" /></p>
<p><span id="more-4120"></span></p>
<p style="text-align: left;">The materials for this shelf cost about $10, comprising entirely of leftover lumber, paint, and nails from household projects and repairs. Because large furniture will not fit in our car and shipping is so expensive, we usually opt to building large shelves and cabinets ourselves. The cost of this shelf is even less than the shipping we would have paid had we purchased a similar sized item.</p>
<p style="text-align: center;"><img class="size-full wp-image-4125 alignnone" title="Country Shelf" src="http://pecuniarities.com/wp-content/uploads/2009/05/cow-shelf-side-view-400.jpg" alt="Country Shelf" width="295" height="400" /></p>
<p style="text-align: left;">It was lucky for Penelope and me that we attended an unusual private elementary school when we were kids where we were required to learn how to saw and hammer and do carpentry as early as age 7. We have built a lot of unique and pretty furniture with these very basic skills and would like to recommend that fellow frugalites give furniture making a try.</p>
<p style="text-align: center;"><img class="size-full wp-image-4127 aligncenter" title="Produce Bins" src="http://pecuniarities.com/wp-content/uploads/2009/05/onion-basket-400.jpg" alt="Produce Bins" width="300" height="400" /></p>
<p style="text-align: left;">For kitchen storage, we like a country market look. This is easily achieved by lots of wicker baskets, egg baskets, and mini milk crates from the dollar store. Clean, unused trash baskets make nice bins for apples, onions, oranges, and bread. We keep rice and flour in large Christmas popcorn tins which come cheaper than storage containers sold without food.</p>
<p style="text-align: left;">As for the refrigerator, it looks the way it does, because P. Pince is fond of cleaning my paint brushes there  (so as not to waste paint) before they are washed.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/finance-blog-carnivals-of-late/4257" rel="bookmark" title="Permanent Link: Finance Blog Carnivals of Late">Finance Blog Carnivals of Late</a></li><li><a href="http://pecuniarities.com/affordable-storage-solution-covering-a-cardboard-box-to-make-a-treasure-chest/189" rel="bookmark" title="Permanent Link: Affordable Storage Solution: Covering a Cardboard Box to Make a Treasure Chest">Affordable Storage Solution: Covering a Cardboard Box to Make a Treasure Chest</a></li><li><a href="http://pecuniarities.com/covering-cardboard-cartons-the-simple-suitcase-storage-box/193" rel="bookmark" title="Permanent Link: Covering Cardboard Cartons: The Simple Suitcase (Storage Box)">Covering Cardboard Cartons: The Simple Suitcase (Storage Box)</a></li><li><a href="http://pecuniarities.com/the-life-stages-of-a-dish-sponge/106" rel="bookmark" title="Permanent Link: The Life Stages of a Dish Sponge">The Life Stages of a Dish Sponge</a></li><li><a href="http://pecuniarities.com/warm-weather-food-safety-tips/925" rel="bookmark" title="Permanent Link: Warm Weather Food Safety Tips">Warm Weather Food Safety Tips</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Make Your January 1, 2009 Home Mortgage Payment Today to Cut Your 2008 Taxes</title>
		<link>http://pecuniarities.com/make-your-january-1-2009-home-mortgage-payment-today-to-cut-your-2008-taxes/1944</link>
		<comments>http://pecuniarities.com/make-your-january-1-2009-home-mortgage-payment-today-to-cut-your-2008-taxes/1944#comments</comments>
		<pubDate>Wed, 31 Dec 2008 15:48:20 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[customers]]></category>
		<category><![CDATA[deduction]]></category>
		<category><![CDATA[es]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[house payment]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[income taxes]]></category>
		<category><![CDATA[ing]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[january 1]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage interest]]></category>
		<category><![CDATA[mortgage interest deduction]]></category>
		<category><![CDATA[mortgage payment]]></category>
		<category><![CDATA[new year]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[tax]]></category>
		<category><![CDATA[tax deduction]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=1944</guid>
		<description><![CDATA[Making your mortgage payment due January 1st in December can lower your income tax bill come April.]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="aligncenter size-full wp-image-1945" title="Bungalow Photo by Petr Kratochvil PulicDomainPictures.net" src="http://pecuniarities.com/wp-content/uploads/2008/12/house.jpg" alt="Bungalow Photo by Petr Kratochvil PulicDomainPictures.net" width="369" height="246" /></p>
<p>I know I should have thought to post this earlier, but only just remembered to pay my own mortgage now instead of tomorrow. If you own a home and have not yet made your mortgage payment due on January 1, 2009, do it now before 2008 is over. This could cut the income taxes you will have to pay in April 2009 for you may be able to take a deduction for mortgage interest paid in 2008.</p>
<p>I am not a tax expert and there are some limitations, (i.e. if you deduct your Jan. 2009 mortgage interest from your 2008 taxes, you can&#8217;t do it again for 2009, if your 2008 income exceeds a certain amount), but here is a link to an article on MSN Real Estate which might tell you if you would benefit from doing this:</p>
<p><a title="Early year-end mortgage payment could cut taxes" href="http://realestate.msn.com/article.aspx?cp-documentid=16103998" target="_blank">Early year-end mortgage payment could cut taxes</a></p>
<p>If you pay your mortgage online, do it now as our bank&#8217;s website is super slow today, perhaps due to the rush to customers trying to get their payment in before the year ends.</p>
<p>Happy New Year!</p>
<p><!--nevermore--></p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/it-never-hurts-to-ask-getting-late-fees-removed/4204" rel="bookmark" title="Permanent Link: It Never Hurts to Ask: Getting Late Fees Removed">It Never Hurts to Ask: Getting Late Fees Removed</a></li><li><a href="http://pecuniarities.com/dear-taxpayer-good-news-your-property-tax-has-decreased-ps-so-has-your-property-value/339" rel="bookmark" title="Permanent Link: Dear Taxpayer: Good News! Your Property Tax Has Decreased &#8230; P.S. So Has Your Property Value">Dear Taxpayer: Good News! Your Property Tax Has Decreased &#8230; P.S. So Has Your Property Value</a></li><li><a href="http://pecuniarities.com/tax-form-publication-guide-for-the-newly-self-employed/59" rel="bookmark" title="Permanent Link: Tax Form &#038; Publication Guide for the Newly Self-Employed">Tax Form &#038; Publication Guide for the Newly Self-Employed</a></li><li><a href="http://pecuniarities.com/daylight-saving-time-turn-your-clocks-forward-today/110" rel="bookmark" title="Permanent Link: Daylight Saving Time: Turn Your Clocks Forward Today!">Daylight Saving Time: Turn Your Clocks Forward Today!</a></li><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-1-%e2%80%93-how-it-started-no-heat-winters/4352" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters">No-Air Conditioning Summer Part 1 – How It Started: No-Heat Winters</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-12-31 09:18:02. </small></p>]]></content:encoded>
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		</item>
		<item>
		<title>Affordable Storage Solution: Covering a Cardboard Box to Make a Treasure Chest</title>
		<link>http://pecuniarities.com/affordable-storage-solution-covering-a-cardboard-box-to-make-a-treasure-chest/189</link>
		<comments>http://pecuniarities.com/affordable-storage-solution-covering-a-cardboard-box-to-make-a-treasure-chest/189#comments</comments>
		<pubDate>Sun, 13 Apr 2008 07:03:00 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Books]]></category>
		<category><![CDATA[Crafts]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Home Decor]]></category>
		<category><![CDATA[Recipes]]></category>
		<category><![CDATA[Storage]]></category>
		<category><![CDATA[box]]></category>
		<category><![CDATA[craft]]></category>
		<category><![CDATA[crafts]]></category>
		<category><![CDATA[frugal]]></category>
		<category><![CDATA[home dec]]></category>
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		<guid isPermaLink="false">http://pecuniarities.com/?p=189</guid>
		<description><![CDATA[I will show you how to make a nice storage chest from a regular cardboard box. The box shown here is an economy size carton of baby wipes, of which we buy a lot because they are great for cleaning dogs and upholstery. If you shop economy or family-size, you should have a good supply [...]]]></description>
			<content:encoded><![CDATA[<p>I will show you how to make a nice storage chest from a regular cardboard box. The box shown here is an economy size carton of baby wipes, of which we buy a lot because they are great for cleaning dogs and upholstery. If you shop economy or family-size, you should have a good supply of nice large boxes to convert into chests. These chests can be stacked and displayed all over your house, storing essentials or rarely used items conveniently out of sight. Fantastical treasure chests would be great for children&#8217;s rooms to encourage stowing away one&#8217;s treasures (a.k.a. putting toys away).</p>
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<p><strong>The Box</strong></p>
<ol>
<li> Leave the top of the box open to start.</li>
<li> Draw a line around three sides of the box at the level you want the box to open.</li>
<li> Using a box knife, or other old knife, carefully cut the lid on three sides.</li>
<li> You can now flatten the top, which skews like a parallelogram.</li>
<li> On the fourth side, score only halfway through the cardboard to make a hinge.</li>
<li> Tape the top of the box shut and you have your chest with a flip top.</li>
</ol>
<p><strong>Covering the box</strong><br />
Either fabric or paper (gift including wrapping paper) is suitable for this. I usually use white glue, but you may prefer wallpaper paste or decoupage medium as being more durable. It is easiest to cover a chest in several pieces. Have a little extra covering to wrap around the lip of the chest for a nicer finish. I used a navy twill which had to be withdrawn from my costuming business because of imperfections. A lighter or floral print material would give the box a completely different air. if you so desire,  you may apply one or two coats of clear varnish to protect the box.</p>
<p><span id="more-189"></span></p>
<p><strong>Trim (optional)</strong><br />
The edges of your chest can be trimmed with fancy paper, lace, fabric strips, fringe, ric-rac,  other sewing trims, or things found around your house. For sewing and upholstery trims, hot glue is the easiest method of application. The same trim can be used to make matching handles on either the top or sides of the chest.</p>
<p><strong>Closure (optional)</strong><br />
This chest will stay closed on its own so closures are optional or purely decorative unless you intend to carry your chest by a handle at the top. Closures can be as simple as two pieces of ribbon or cord to tie together or around a button. Clasps and buckles can often be salvaged from an old purses and bags. The button and loop on my navy blue chest are non-functional.</p>
<p><strong>Lining  (optional)</strong><br />
If you want your chest to be really fancy, or intend it as a gift, it can be lined with additional paper or fabric. The lining can be simply glued on like the outside covering, but who wouldn&#8217;t want a chest padded with a little polyester fill and lined with satin?</p>
<p><strong>Savings</strong></p>
<p>By using boxes, fabric and paper you already have around the house, you can create attractive storage boxes for little or no cost. If you don&#8217;t have enough of one type of fabric to cover a large box, you can piece together various scraps to make a collage. As for paper, use any paper you already have in the house &#8211; leftover gift wrap that&#8217;s just sitting around taking up space, construction paper, etc.</p>
<p><strong>Compare with commercial storage box prices:</strong></p>
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<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/covering-cardboard-cartons-the-simple-suitcase-storage-box/193" rel="bookmark" title="Permanent Link: Covering Cardboard Cartons: The Simple Suitcase (Storage Box)">Covering Cardboard Cartons: The Simple Suitcase (Storage Box)</a></li><li><a href="http://pecuniarities.com/thinking-inside-the-box-some-uses-for-cardboard-cartons/132" rel="bookmark" title="Permanent Link: Thinking inside the box: Some Uses for Cardboard Cartons">Thinking inside the box: Some Uses for Cardboard Cartons</a></li><li><a href="http://pecuniarities.com/april-2008-finance-and-frugality-blog-carnivals/191" rel="bookmark" title="Permanent Link: April 2008 Finance and Frugality Blog Carnivals">April 2008 Finance and Frugality Blog Carnivals</a></li><li><a href="http://pecuniarities.com/pecuniarities-our-fourpence-worth-1-year-anniversary/2533" rel="bookmark" title="Permanent Link: Pecuniarities (Our Fourpence Worth) 1 Year Anniversary">Pecuniarities (Our Fourpence Worth) 1 Year Anniversary</a></li><li><a href="http://pecuniarities.com/untangling-yarn-troubles/90" rel="bookmark" title="Permanent Link: Untangling Yarn Troubles">Untangling Yarn Troubles</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<title>Home is Where the Money Is</title>
		<link>http://pecuniarities.com/home-is-where-the-money-is/94</link>
		<comments>http://pecuniarities.com/home-is-where-the-money-is/94#comments</comments>
		<pubDate>Tue, 11 Mar 2008 09:02:05 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Frugality]]></category>
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		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/home-is-where-the-money-is/94</guid>
		<description><![CDATA[I would like to introduce to you today the foremost of money saving tips: staying home. I am not talking about staying in instead of going to a movie on a Friday night, but something much more fundamental and often overlooked. Allowing this philosophy and the following ideas a permanent space in your consciousness is [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://pecuniarities.com/wp-content/uploads/2008/03/home100.jpg" alt="Home Image by E.S.M." hspace="10" width="100" align="left" />I would like to introduce to you today the foremost of money saving tips: staying home. I am not talking about staying in instead of going to a movie on a Friday night, but something much more fundamental and often overlooked. Allowing this philosophy and the following ideas a permanent space in your consciousness is the vital first step in succeeding in a life of frugality. I grant, some of these ideas may seem far-fetched, but keep an open mind and you will learn how thinking forwardly <em>as well as</em> laterally can help you to save even more money. In fact, this concept should apply to all aspects of life besides the financial.</p>
<h3>Every Little Bit Adds Up</h3>
<p>First I will remind you, as I mentioned in my first official post &#8220;<!--intlink id="3" text="Frugality 101" anchor="Frugality 101: Introduction to Frugal Living"-->,&#8221; that every little bit adds up and makes difference in the long run. While one small action seems insignificant in the long scheme of things, if frequently repeated, it will have a long-term impact whether good or bad.</p>
<p>I will use smoking as an example: smoking a single cigarette may not harm you, but smoking cigarettes on a regular basis over the course of many years will significantly impact your health (even if not visible to the eye, there is a consequence.) Likewise, all things we do, no matter how small, will have a consequence of some sort. So now to my point.</p>
<p><span id="more-94"></span></p>
<p><img src="http://pecuniarities.com/wp-content/uploads/2008/03/falling-coins-2-4-75.jpg" alt="Falling Coins 2-4 by Madonline Hatter &amp; Penelope Pince" align="right" />As I said above, staying home is one of the best and easiest ways to save money. And again, as mentioned above, this is not about going out for special activities, but rather everyday activities and the importance of consolidating errands and activities because every single time you leave your house, whether or not you physically &#8220;spend&#8221; money, you are in fact spending money. I will start with the most obvious.</p>
<h3>Driving is More than Gas</h3>
<p>When you drive, you&#8217;re spending more than the cost of gas by putting wear and tear on your car. The IRS (for our foreign readers, this is the Internal Revenue Service, the United States government&#8217;s department of taxation) has determined a mileage allowance rate of 48.5¢ per mile for business purposes for the 2007 tax year. While tax-wise, this allowance only applies to business owners who use their vehicles in the course of business, it takes into account the cost of gas, wear and tear and maintenance on the vehicle. So a simple 1-mile one way trip (2-mile round trip) to the store has a cost value of $0.97.</p>
<p><!--adsense--></p>
<h3>Cost Begins with Use</h3>
<p>There are many other ways you spend money by going out. These are in the number of <em>things</em> we need and use in order to go out. Everything costs money; just because you&#8217;ve already paid for something doesn&#8217;t mean that it is now &#8220;free&#8221; or &#8220;without cost.&#8221; A good example of this concept is, once again, the IRS. When a business purchases inventory or supplies, it cannot deduct the cost of those items until <em>after</em> those items have been sold or used.</p>
<p><img src="http://pecuniarities.com/wp-content/uploads/2008/03/falling-coins-2-70.jpg" alt="Falling Coins 2 by Madonline Hatter &amp; Penelope Pince" hspace="3" align="right" />For example, a business owner purchases a case of paper clips in May 2006. He only uses half the case of paper clips by the end of his tax year in December 2006. When he files his 2006 taxes, he can only deduct the cost of the half case of paper clips that he used in 2006. Only after he has used up the 2nd half of his case of paper clips in 2007 can he deduct the cost of those clips. This is an example of the theory that actual expenditure does not end with the purchase of an item, but with the <em>use </em>of it.</p>
<h3><strong>Being Presentable<br />
</strong></h3>
<p>Every time you go out, you must put on clothing that are presentable in public. These clothes are often nicer and more valuable than your regular home clothes. Though it is not always immediately visible, each time you wear your nice clothes, they get some &#8230; well &#8230; wear. That&#8217;s why they call it &#8220;wearing&#8221; clothes, is it not? Each wearing decreases the value and shortens the life of the garment, taking you that much closer to having to buy (or make) a replacement. This especially includes shoes, which suffer the most wear and tear.</p>
<h3><img src="http://pecuniarities.com/wp-content/uploads/2008/03/falling-coins-3-75.jpg" alt="Falling Coins 3 by Madonline Hatter &amp; Penelope Pince" align="right" /></h3>
<p>After you wear your clothes, they will need to be washed. Not only does washing cause additional wear on the clothes, but it is accompanied by further expenditures in water use, detergent, and for many, electricity or gas for drying, anti-static dryer sheets, fabric softeners, etc.</p>
<p>Being presentable also often entails use of cosmetics (for women) and hair products &#8211; hair spray, mousse, gel, etc (men and women). For women who use make-up before going out, there is the cost of the make-up and all the other products used along with the make-up (toners, lotions, etc.). Every time you use these things, you are in theory, spending or &#8220;using&#8221; money.</p>
<h3>Time is Money</h3>
<p>It may be trite, but it is true, especially if you are self-employed or simply make a little extra money blogging. Think of the time spent in traffic or standing in line at the store for the purpose of buying a few items. You could have done some work or written an article that could potentially make money.</p>
<h3>Unexpected Expenditures</h3>
<p>Oftentimes when we go out for one purpose, we are often sidetracked and end up at originally unplanned places (perhaps attracted by a &#8220;ONE DAY SALE&#8221; sign at a favorite store) and making unplanned purchases (&#8220;Buy One Get One Free&#8221; even though you hadn&#8217;t even planned on buying One at all). It is true that had you never gone out that day, you might have missed out on a great bargain, but had you not ventured out of doors at all, you would be none-the-wiser and the richer for it. If you go out 3 times a week as opposed to once a week, the possibility (and probability) of unplanned expenditures is multiplied by 3.</p>
<p><img src="http://pecuniarities.com/wp-content/uploads/2008/03/falling-coins-2-5-75.jpg" alt="Falling Coins 2-5 by Madonline Hatter &amp; Penelope Pince" align="right" />I am not saying that you should never go out and starve to death when you run out of groceries. The point I hope I have made is that every outing costs money and that one of the easiest ways to save money is by consolidating all your errands into one outing. This requires some planning and organizing, but is by no means difficult. Following are a few tips to get you started.</p>
<p><!--adsense--></p>
<h3>Tips for Saving Time and Money by Consolidating</h3>
<ul>
<li> <strong>Groceries</strong><br />
It is not necessary to shop for groceries every few days or even every week. Try to cut back to every 2-3 weeks, or  even better, once a month. This requires some planning and adjustment to get the quantities right, but can save you a lot of time and money. (Check back soon for tips on shopping for groceries once a month.)</li>
<li><strong>Banking</strong><br />
Yes, the sooner you deposit that paycheck in the bank, the sooner you begin earning interest. But, if the cost of making a special run to the bank (driving &amp; time) exceeds the amount of interest you will earn, might it not be better to wait a few days until you have more reasons for going out?</li>
<li> <strong>Post Office</strong><br />
Save trips to the post office by keeping some stamps on hand. I like the Forever stamps that can still be used when  postage rates go up. Consider using online shipping for mailing parcels. (Check back soon for information on how you can save time and money by using online shipping options.) Also, refer to my article &#8220;<!--intlink id="5" text="Pay Bills Online and Save" anchor="Pay Bills Online and Save"-->&#8221; and learn how you can possibly save $60 a year by not mailing your bills.</li>
<li><strong>Returning Library Books</strong><br />
If you have a library book due on a day when you don&#8217;t have any other errands scheduled, you can renew the book by calling the library or logging onto the library website, and delay the trip to the library until you have another reason to go out.</li>
<li><strong>Shop Online</strong><br />
Consider buying more online (from reputable and established businesses, of course). Online prices are often lower than in-store prices even including shipping, so you save time, money, and gas.</li>
</ul>
<h3><img src="http://pecuniarities.com/wp-content/uploads/2008/03/falling-coins-100.jpg" alt="Falling Coins by Madonline Hatter &amp; Penelope Pince" align="right" /></h3>
<p>Again, it can take time and planning to get used to this idea, but you will soon begin to see how much money and time you save by waiting a few days to take care of all your business at once. This does not mean you should become a hermit and never leave the house. It is important to still go out for practical and social reasons (and work), but hopefully you will now  be more aware of the cost behind every activity and therefore be even more successful in your frugal lifestyle.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/thank-you" rel="bookmark" title="Permanent Link: Thank you!">Thank you!</a></li><li><a href="http://pecuniarities.com/save-money-make-money-30-day-challenge-ivillage/87" rel="bookmark" title="Permanent Link: Save Money, Make Money 30-Day Challenge @ iVillage">Save Money, Make Money 30-Day Challenge @ iVillage</a></li><li><a href="http://pecuniarities.com/finance-and-frugality-blog-carnivals-week-of-unexpected-delays/1340" rel="bookmark" title="Permanent Link: Finance and Frugality Blog Carnivals: Week of Unexpected Delays">Finance and Frugality Blog Carnivals: Week of Unexpected Delays</a></li><li><a href="http://pecuniarities.com/make-your-january-1-2009-home-mortgage-payment-today-to-cut-your-2008-taxes/1944" rel="bookmark" title="Permanent Link: Make Your January 1, 2009 Home Mortgage Payment Today to Cut Your 2008 Taxes">Make Your January 1, 2009 Home Mortgage Payment Today to Cut Your 2008 Taxes</a></li><li><a href="http://pecuniarities.com/basics-for-the-young-single-and-frugal/158" rel="bookmark" title="Permanent Link: Basics for the Young, Single and Frugal">Basics for the Young, Single and Frugal</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<title>Expensive Lessons: Knowing When to Call it Quits and Call in a Professional, and the Price of Spinelessness and Regret</title>
		<link>http://pecuniarities.com/expensive-lessons-knowing-when-to-call-it-quits-and-call-in-a-professional-and-the-price-of-spinelessness-and-regret/222</link>
		<comments>http://pecuniarities.com/expensive-lessons-knowing-when-to-call-it-quits-and-call-in-a-professional-and-the-price-of-spinelessness-and-regret/222#comments</comments>
		<pubDate>Thu, 11 Mar 2010 15:21:09 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Repairs]]></category>
		<category><![CDATA[home improvement]]></category>
		<category><![CDATA[honesty]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://pecuniarities.com/?p=222</guid>
		<description><![CDATA[Lesson 1: When Not to DIY
In the past year, we only went out an average of 1-2 times per month to run errands and our garage door therefore got very little exercise. One day last month, when I was leaving for my monthly grocery shopping trip, the door wouldn&#8217;t close. I left it to Madoline [...]]]></description>
			<content:encoded><![CDATA[<h3>Lesson 1: When Not to DIY</h3>
<p><img class="alignleft alignnone size-full wp-image-224" style="margin: 5px; float: left;" title="Broken Garage Door" src="http://pecuniarities.com/wp-content/uploads/2008/05/garagedoor.gif" alt="Broken Garage Door" width="300" height="225" />In the past year, we only went out an average of 1-2 times per month to run errands and our garage door therefore got very little exercise. One day last month, when I was leaving for my monthly grocery shopping trip, the door wouldn&#8217;t close. I left it to Madoline to figure out, and when I got home I found the door stuck halfway down and slightly slanted, having come un-aligned and with 2 of the upper wheels fallen out of the track on one side. Being confirmed DIY-ers, we tried to see if we could fix it ourselves, which involved me standing on the back of a sofa we had purchased at Goodwill (with the plan of re-upholstering it) and wrestling with the door, but soon decided it was best left to a professional and we made to by putting the wheels back in the tracks to keep the door from sagging and damaging the entire contraption.</p>
<p>Our biological father came to visit last week, and although I told him we needed to call a professional repairman, he thought he could fix it to save us some money. One and a half hours later, the door was more crooked, we had lost 3 more wheels, the tracks had been knocked out of place and the door was literally hanging. Furthermore, I found out after the fact that my father had severely endangered his own life, and even worse, MY LIFE, by unwinding the tension cable. And worst of all, he had damaged the door further so that what might have been some minor repairs became major repair, including replacement of the tension rod.</p>
<p><span id="more-222"></span></p>
<h3>Lesson 2: The Price of Not Sticking up for Yourself</h3>
<p>The only garage door specialist in our area is located about 40-50 miles away and they seemed uninterested in the job as they didn&#8217;t want to talk to us over the phone but instead told us to submit a request online, which we did twice (4 weeks apart) but to no avail. Fearing a total collapse resulting in further damage and expense as well as the insecurity of a half-closed garage door, we resorted to local handymen.</p>
<p>I went through the list of handymen in our area, and the first one I reached that wasn&#8217;t a voicemail told me he could fix ours for $150. He came over to take a look and said that he couldn&#8217;t fix the tension cables, which required specialists, but that he could re-align the door so that we could at least open and close it manually, and he might need to replace a few of the wheels and 2 brackets. He then gave me a quote of $225 for replacing 5 wheels and 2 brackets. So we agreed on 10:00 AM the next morning.</p>
<p>I got up at 9:30 AM the next morning (which wasn&#8217;t easy for me because I was up until after 4:00AM working on the computer) in anticipation of the handyman showing up at 10:00, but he didn&#8217;t show up until 10:30, using the following excuse: the weather and its effect on one&#8217;s desire to sleep in. So he fixed the garage door &#8211; replacing 1 wheel and 1 bracket &#8211; but told me after that we actually wouldn&#8217;t be able to open the door due to the damaged tension rod, which also requires a specialist.</p>
<p>We then had him fix a sprinkler leak in our front yard as well, a job he had agreed to do for $75, after which he gave me a total of $325 for the two jobs. Being somewhat muddle-headed and tired from lack of sleep, and even worse, a pushover (one of my worst traits when dealing with strangers), I wrote him a check for $325 without much argument except for asking, &#8220;So the garage door was $250?&#8221; to which he, of course, replied &#8220;Yes.&#8221;</p>
<p>After he left, I couldn&#8217;t stop thinking about the whole affair and kicking myself (mentally) for having been such a pushover. The quote of $225 had been for if he would have to replace 5 wheels and 2 brackets. Instead, he only replaced 1 wheel and 1 bracket, and he charged me $25 more than the price he had quoted me. To add insult to injury, we still can&#8217;t open or close our garage door as he had promised beforehand. (Not to mention his showing up a 1/2 hour late for having slept in.) If I had argued with him about it, I probably could have paid at least $50 less.</p>
<p><img class="alignright alignnone size-full wp-image-223" style="margin: 5px; float: right;" title="Funny Face Image" src="http://pecuniarities.com/wp-content/uploads/2008/05/funnyface.gif" alt="Funny Face Image" width="150" height="150" />That night, I couldn&#8217;t sleep for thinking about all this and decided I would call him up the next day (yesterday) to ask about this and tell him I didn&#8217;t think what he did was right. But the next day, the check had already cleared our bank account (he must have driven straight from our house to the bank) and I decided it probably wouldn&#8217;t have done much good anyway and the conversation probably would only have aggravated me more. So I decided to just chalk it up to a valuable lesson learned about the price of being spineless. And also to never hire this handyman again.</p>
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<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/may-2008-finance-and-frugality-blog-carnivals/227" rel="bookmark" title="Permanent Link: May 2008 Finance and Frugality Blog Carnivals">May 2008 Finance and Frugality Blog Carnivals</a></li><li><a href="http://pecuniarities.com/car-trouble-watch-out-for-those-pesky-wabbits/292" rel="bookmark" title="Permanent Link: Car Trouble: Watch Out for Those Pesky Wabbits">Car Trouble: Watch Out for Those Pesky Wabbits</a></li><li><a href="http://pecuniarities.com/my-favorite-money-and-time-saving-websites/232" rel="bookmark" title="Permanent Link: My Favorite Money and Time Saving Websites">My Favorite Money and Time Saving Websites</a></li><li><a href="http://pecuniarities.com/it-never-hurts-to-ask-getting-late-fees-removed/4204" rel="bookmark" title="Permanent Link: It Never Hurts to Ask: Getting Late Fees Removed">It Never Hurts to Ask: Getting Late Fees Removed</a></li><li><a href="http://pecuniarities.com/on-the-naming-of-pets-and-improvement-of-fortune/207" rel="bookmark" title="Permanent Link: On the Naming of Pets and Improvement of Fortune">On the Naming of Pets and Improvement of Fortune</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-05-15 22:10:22. </small></p>]]></content:encoded>
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		<slash:comments>5</slash:comments>
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		<title>Free Printable Templates: Miniature Flower, Treat, Gift or Decorative Baskets</title>
		<link>http://pecuniarities.com/free-printable-templates-miniature-flower-treat-gift-or-decorative-baskets/775</link>
		<comments>http://pecuniarities.com/free-printable-templates-miniature-flower-treat-gift-or-decorative-baskets/775#comments</comments>
		<pubDate>Wed, 03 Mar 2010 13:50:29 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Crafts]]></category>
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		<description><![CDATA[These Miniature Gift Baskets are a part of our Freebies series of Printable Gifts and Accessories by Madoline Hatter. They are great for gifts, flowers, treats or decorative purposes.
These templates are provided for personal non-commercial use and may not be published elsewhere. If you want to share this with your friends, please link to this [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-medium wp-image-777" style="margin: 5px 10px;" title="Green Free Miniature Printable Basket Template by Madoline Hatter" src="http://pecuniarities.com/wp-content/uploads/2008/08/green-baket-267.gif" alt="" width="120" height="160" />These Miniature Gift Baskets are a part of our Freebies series of Printable Gifts and Accessories by Madoline Hatter. They are great for gifts, flowers, treats or decorative purposes.</p>
<p>These templates are provided for personal non-commercial use and may not be published elsewhere. If you want to share this with your friends, please link to this page.</p>
<p>For more free printable templates by Madoline Hatter, visit or <strong><a title="View All Freebies by Madoline Hatter" href="http://pecuniarities.com/category/freebies" target="_self">Freebies</a></strong> category page.</p>
<p><span style="color: #6a5acd;"><em>If you enjoy our free printable templates, please consider making a <strong><span style="color: #ff00ff;"><a title="Donate to Support Continued Development of Free Printable Templates" onclick="urchinTracker('/outgoing/www.paypal.com/cgi-bin/webscr?cmd=_donations_amp_business=ourfourpenceworth_40gmail_2ecom_amp_item_name=Our_20Fourpence_20Worth_20Blog_amp_no_shipping=1_amp_return=http_3a_2f_2fourfourpenceworth_2ecom_2fthank_2dyou_amp_cancel_return=http_3a_2f_2fourfourpenceworth_2ecom_amp_cn=Comments_amp_tax=0_amp_currency_code=USD_amp_lc=US_amp_bn=PP_2dDonationsBF_amp_charset=UTF_2d8&amp;referer=');" href="https://www.paypal.com/cgi-bin/webscr?cmd=_donations&amp;business=ourfourpenceworth%40gmail%2ecom&amp;item_name=Our%20Fourpence%20Worth%20Blog&amp;no_shipping=1&amp;return=http%3a%2f%2fourfourpenceworth%2ecom%2fthank%2dyou&amp;cancel_return=http%3a%2f%2fourfourpenceworth%2ecom&amp;cn=Comments&amp;tax=0&amp;currency_code=USD&amp;lc=US&amp;bn=PP%2dDonationsBF&amp;charset=UTF%2d8" target="_self">donation</a></span></strong> to help us produce more.</em></span></p>
<h2>Miniature Gift Baskets</h2>
<p><strong>Printing and Assembly Instructions</strong></p>
<ol>
<li>Cardstock or heavy paper is recommended for this item.</li>
<li>Click on the small images below to view and print them in their original size.</li>
<li>Select &#8220;scale to fit page&#8221; before printing and choose &#8220;landscape&#8221; paper orientation for maximum size.</li>
<li>After printing images, cut along outlines, fold and glue tabs to hold basket sides together.</li>
<li>For the handle, fold in sides of long strip together and glue ends to inside of basket.</li>
</ol>
<table style="text-align: center;" border="0" cellspacing="2" cellpadding="8">
<tbody>
<tr>
<td>
<p><div id="attachment_765" class="wp-caption alignnone" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/blue-floral-treat-decorative-gift-basket.jpg"><img class="wp-image-765" title="Blue Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/blue-floral-treat-decorative-gift-basket-150x150.jpg" alt="Blue Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Mini Blue Basket</p></div></td>
<td>
<p><div id="attachment_766" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/brown-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-766" title="Brown Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/brown-floral-treat-decorative-gift-basket-150x150.jpg" alt="" width="150" height="150" /></a><p class="wp-caption-text">Brown Mini Basket</p></div></td>
<td>
<p><div id="attachment_767" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/gary-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-767" title="Gray Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/gary-floral-treat-decorative-gift-basket-150x150.jpg" alt="" width="150" height="150" /></a><p class="wp-caption-text">Gary Mini Basket</p></div></td>
</tr>
<tr>
<td>
<p><div id="attachment_768" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/gold-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-768" title="Gold Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/gold-floral-treat-decorative-gift-basket-150x150.jpg" alt="Gold Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Gold Mini Basket</p></div></td>
<td>
<p><div id="attachment_769" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/green-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-769" title="Green Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/green-floral-treat-decorative-gift-basket-150x150.jpg" alt="Green Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Green Mini Basket</p></div></td>
<td>
<p><div id="attachment_770" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/orange-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-770" title="Rose Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/orange-floral-treat-decorative-gift-basket-150x150.jpg" alt="Rose Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Rose Mini Basket</p></div></td>
</tr>
<tr>
<td>
<p><div id="attachment_771" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/pink-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-771" title="Pink Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/pink-floral-treat-decorative-gift-basket-150x150.jpg" alt="Pink Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Pink Mini Basket</p></div></td>
<td>
<p><div id="attachment_772" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/purple-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-772" title="Purple Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/purple-floral-treat-decorative-gift-basket-150x150.jpg" alt="Purple Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Purple Mini Basket</p></div></td>
<td>
<p><div id="attachment_773" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/sage-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-773" title="Sage Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/sage-floral-treat-decorative-gift-basket-150x150.jpg" alt="Sage Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Sage Mini Basket</p></div></td>
</tr>
<tr>
<td>
<p><div id="attachment_774" class="wp-caption aligncenter" style="width: 160px"><a href="http://pecuniarities.com/wp-content/uploads/2008/08/tan-floral-treat-decorative-gift-basket.jpg"><img class="size-thumbnail wp-image-774" title="Tan Miniature Flower Treat Gift or Decorative Basket" src="http://pecuniarities.com/wp-content/uploads/2008/08/tan-floral-treat-decorative-gift-basket-150x150.jpg" alt="Tan Mini Basket" width="150" height="150" /></a><p class="wp-caption-text">Tan Mini Basket</p></div></td>
<td></td>
<td></td>
</tr>
</tbody>
</table>
<p><!--nevermore--><br />
For more original free printable templates by Madoline Hatter, visit our <a href="http://pecuniarities.com/category/freebies">Freebies</a> section.</p>
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<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/free-printable-templates-patriotic-american-flag-miniature-gift-accessories-set/967" rel="bookmark" title="Permanent Link: Free Printable Templates: Patriotic American Flag Miniature Gift Accessories Set">Free Printable Templates: Patriotic American Flag Miniature Gift Accessories Set</a></li><li><a href="http://pecuniarities.com/free-printable-templates-gingham-mini-gift-boxes/529" rel="bookmark" title="Permanent Link: Free Printable Templates: Gingham Mini Gift Boxes">Free Printable Templates: Gingham Mini Gift Boxes</a></li><li><a href="http://pecuniarities.com/free-printable-templates-holiday-snowflake-gift-tags-treat-and-mini-carrier-bags/1891" rel="bookmark" title="Permanent Link: Free Printable Templates: Holiday Snowflake Gift Tags, Treat and Mini Carrier Bags">Free Printable Templates: Holiday Snowflake Gift Tags, Treat and Mini Carrier Bags</a></li><li><a href="http://pecuniarities.com/free-printable-templates-hawaiian-aloha-floral-print-treat-bags-greeting-cards/1039" rel="bookmark" title="Permanent Link: Free Printable Templates: Hawaiian/Aloha Floral Print Treat Bags &#038; Greeting Cards">Free Printable Templates: Hawaiian/Aloha Floral Print Treat Bags &#038; Greeting Cards</a></li><li><a href="http://pecuniarities.com/free-printable-gift-accessories-by-madoline-hatter/506" rel="bookmark" title="Permanent Link: Free Printable Gift Accessories by Madoline Hatter">Free Printable Gift Accessories by Madoline Hatter</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-08-15 14:35:20. </small></p>]]></content:encoded>
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		</item>
		<item>
		<title>Switching to Paperless Statements to Save Money, Time and the Planet</title>
		<link>http://pecuniarities.com/switching-to-paperless-statements-to-save-money-time-and-the-planet/1104</link>
		<comments>http://pecuniarities.com/switching-to-paperless-statements-to-save-money-time-and-the-planet/1104#comments</comments>
		<pubDate>Fri, 19 Feb 2010 12:01:31 +0000</pubDate>
		<dc:creator>Penelope Pince</dc:creator>
				<category><![CDATA[Bills]]></category>
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		<guid isPermaLink="false">http://pecuniarities.com/?p=1104</guid>
		<description><![CDATA[
While going through my piles of unopened mail (mostly bills) the other day, I decided I&#8217;d had enough and finally took the plunge into the world of Paperless Billing and Statements. Even though I&#8217;ve been fully online &#8211; shopping, selling, socializing, banking and bill paying &#8211; for years now, for some reason, I&#8217;d always felt [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-1116 aligncenter" title="Autumn in Park Photo by Petr Kratochvil" src="http://pecuniarities.com/wp-content/uploads/2008/09/trees-in-park.jpg" alt="" width="400" height="235" /></p>
<p>While going through my piles of unopened mail (mostly bills) the other day, I decided I&#8217;d had enough and finally took the plunge into the world of Paperless Billing and Statements. Even though I&#8217;ve been fully online &#8211; shopping, selling, socializing, banking and bill paying &#8211; for years now, for some reason, I&#8217;d always felt hesitant about not receiving hard copies of my bills. But after years of accessing my accounts and paying bills online, and running out of places to stash all my account statements, I&#8217;ve decided that it&#8217;s probably a better system that will end up saving me money, time (which is also money), space and paper cuts.</p>
<h2>The Benefits of Paperless Statements</h2>
<ul>
<li><strong>Saves Time<br />
</strong>Time is money, so the time you would spend organizing and filing your account statements would be cut down. Filing would just consist of logging into your account and downloading the statements to your computer. Most accounts will allow you access to several years&#8217; worth of statements, so you don&#8217;t need to do this every month, but can wait and do all your filing at once a couple of times a year.</li>
<li><strong>Saves on filing equipment<br />
</strong>No need for file cabinets (which are very costly), folders, labels and organizers, and no need to upgrade to larger or additional file cabinets as your files increase in volume.</li>
<li><strong>Saves space</strong><br />
Digital storage is becoming more affordable and space efficient so they take up considerably less space than file cabinets, making it easier to keep your home and office organized and clutter-free.</p>
<p>For example, this <strong><a href="http://www.amazon.com/gp/product/B000UOBJ7O?ie=UTF8&amp;tag=ourfouwor-20&amp;linkCode=as2&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B000UOBJ7O">Iomega Desktop Hard Drive, USB 2.0, 750GB &#8211; 33750</a><img style="border:none !important; margin:0px !important;" src="http://www.assoc-amazon.com/e/ir?t=ourfouwor-20&amp;l=as2&amp;o=1&amp;a=B000UOBJ7O" border="0" alt="" width="1" height="1" /></strong> for just $110, costs considerably less than a file cabinet, takes up a fraction of the space of a file cabinet and has capacity for at least a decade&#8217;s worth of bills and statements. It also looks a lot nicer than a file cabinet, which often doesn&#8217;t look that great in a home environment.</li>
<li><strong>Saves money</strong><br />
Some companies have already begun to charge for paper statements. When I enrolled in Paperless Billing for my T-Mobile account, I was informed that I will be charged $1.99 per month if I revert back to paper statements. Perhaps if companies can save on billing costs, they can pass the savings on to us consumers by offering lower fees for their services.</p>
<p>Also, by paying bills online, not only do you save paper, but postage. Check out an earlier post of mine, <a title="Permanent Link: Pay Bills Online and Save" rel="bookmark" href="../pay-bills-online-and-save/5">Pay Bills Online and Save</a>, on how we save about $70 a year by paying our bills online.</li>
<li><strong>Saves the Planet</strong><br />
Obviously. Some companies, again T-Mobile for example, are promoting Paperless Billing by planting a tree for each customer that changes to paper statements, so you&#8217;re no only saving current trees but adding to them.</li>
<li><strong>Earn money</strong><br />
This depends on the company. Certain companies such as my Chase Amazon Visa account, offered 500 reward points, the equivalent of $5.00, for switching to Paperless Statements. Not a bad deal for doing something that&#8217;s going to save me time and money.</li>
</ul>
<p>So not only is this the smart choice for those with regular computer and internet access, but the green, environmentally-friendly choice. Most of our bills and bank statements received via snail mail remain unopened anyway because I usually just go online to check the amount and make the payments when the bills are due.</p>
<p>Of our 12 monthly bills and bank statements, we are able to receive Paperless Statements for 9 of them, which will reduce our annual mail volume by 108. This will be quite a relief as our file cabinet really can&#8217;t take anymore. I only wonder what took me so long.</p>
<p style="text-align: center;"><img class="size-full wp-image-1110 aligncenter" title="Maple Leaf Graphic by Madoline Hatter" src="http://pecuniarities.com/wp-content/uploads/2008/09/mapleleaf69.gif" alt="" width="69" height="68" /></p>
<p><!--nevermore--><br />
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<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/interesting-reads-from-fellow-personal-finance-bloggers-8/1286" rel="bookmark" title="Permanent Link: Interesting Reads from Fellow Personal Finance Bloggers #8">Interesting Reads from Fellow Personal Finance Bloggers #8</a></li><li><a href="http://pecuniarities.com/why-i-will-not-change-my-mindset-plus-the-difference-between-justifying-and-being-optimistic-about-spending/3493" rel="bookmark" title="Permanent Link: Why I Will Not Change My Mindset, Plus the Difference Between Justifying and Being Optimistic About Spending">Why I Will Not Change My Mindset, Plus the Difference Between Justifying and Being Optimistic About Spending</a></li><li><a href="http://pecuniarities.com/20-minutes-can-save-180-tips-for-receiving-better-customer-service/215" rel="bookmark" title="Permanent Link: 20 Minutes Can Save $180 &amp; Tips for Receiving Better Customer Service">20 Minutes Can Save $180 &amp; Tips for Receiving Better Customer Service</a></li><li><a href="http://pecuniarities.com/pay-bills-online-and-save/5" rel="bookmark" title="Permanent Link: Pay Bills Online and Save">Pay Bills Online and Save</a></li><li><a href="http://pecuniarities.com/pay-bills-online-and-save-re-post/231" rel="bookmark" title="Permanent Link: Pay Bills Online and Save (Re-Post)">Pay Bills Online and Save (Re-Post)</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-09-11 10:00:05. </small></p>]]></content:encoded>
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		<title>Make Something Useful Out of Your Christmas Tree</title>
		<link>http://pecuniarities.com/make-something-useful-out-of-your-christmas-tree/64</link>
		<comments>http://pecuniarities.com/make-something-useful-out-of-your-christmas-tree/64#comments</comments>
		<pubDate>Mon, 01 Feb 2010 08:49:49 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Frugality]]></category>
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		<description><![CDATA[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 [...]]]></description>
			<content:encoded><![CDATA[<p><em>This is a re-post of one of our earliest articles first published February 27, 2008.</em></p>
<p><strong>Conversion of a Common Coniferous Conundrum</strong></p>
<p><img src="http://pecuniarities.com/wp-content/uploads/2008/02/pinecone150.jpg" alt="Pine Cone Photo by Petr Kratochvil" vspace="5" width="100" height="100" align="left" />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?</p>
<p>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&#8217;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.</p>
<p><span id="more-64"></span></p>
<p><img src="http://pecuniarities.com/wp-content/uploads/2008/02/pinecone2-150.jpg" alt="Pine Cone Photo by Petr Kratochvil" vspace="5" width="100" align="right" />My original plan was to convert the tree trunk into a coat rack for our entryway. This was to be achieved by inserting wooden pegs near the top, attaching to the base curved furniture legs to suggest tree roots, and possibly adding a wire bird nest in which to deposit objects like keys and fake eggs. The whole was to be painted a uniform color and varnished. I then shopped around for several months without finding the feet I had wanted and therefore the plan was changed.</p>
<p>My sister had begun playing the violin and was considering the purchase of a music stand. So, we decided to make a music stand instead of a coat rack. I measured the tree trunk and found that after cutting off the top for a music stand, the remaining section was just the height for a table. We had also been in the market for a small table. Each project took approximately two days and cost us next to nothing because we used small remnants of wood, leftover paint, and the only new materials were glue, nails, and screws. Although we painted the music stand blue and the octagonal table green, they make a very nice pair and we declare ourselves very satisfied with the results. But we are not skilled carpenters so you can form your own opinion from the pictures.</p>
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<p>There really is no limit to what can be done with the nice piece of organically shaped wood that is a Christmas tree. One might turn it into a curtain rod, a chair, a stool, a ladder (decorative), balustrade, fence post, easel, or a rail to which to tie a goat when milking it to make cheese.</p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/frugal-christmas-skipping-the-tree-and-presents-this-year/1829" rel="bookmark" title="Permanent Link: Frugal Christmas: Skipping the Tree and Presents This Year">Frugal Christmas: Skipping the Tree and Presents This Year</a></li><li><a href="http://pecuniarities.com/holiday-blog-carnivals/1937" rel="bookmark" title="Permanent Link: Holiday Blog Carnivals">Holiday Blog Carnivals</a></li><li><a href="http://pecuniarities.com/favorite-christmas-memory/1874" rel="bookmark" title="Permanent Link: Favorite Christmas Memory">Favorite Christmas Memory</a></li><li><a href="http://pecuniarities.com/free-printable-templates-christmas-candy-stripe-and-plaid-carrier-gift-bags/1926" rel="bookmark" title="Permanent Link: Free Printable Templates: Christmas Candy Stripe and Plaid Carrier Gift Bags">Free Printable Templates: Christmas Candy Stripe and Plaid Carrier Gift Bags</a></li><li><a href="http://pecuniarities.com/interesting-reads-from-fellow-personal-finance-bloggers-12/1739" rel="bookmark" title="Permanent Link: Interesting Reads From Fellow Personal Finance Bloggers #12">Interesting Reads From Fellow Personal Finance Bloggers #12</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small><p id="bte_opp"><small>Originally posted 2008-12-27 08:30:47. </small></p>]]></content:encoded>
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		<title>Frugal Thermodymics Part II: A Simple Cooling System</title>
		<link>http://pecuniarities.com/frugal-thermodymics-part-ii-a-simple-cooling-system/4173</link>
		<comments>http://pecuniarities.com/frugal-thermodymics-part-ii-a-simple-cooling-system/4173#comments</comments>
		<pubDate>Tue, 19 May 2009 13:00:08 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Frugality]]></category>
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		<description><![CDATA[
Photo © Darren Hester for openphoto.net
A Simple Cooling System
Heat naturally diffuses from areas of higher concentration to areas of lower concentration. And cold being the absence of energy, a block of ice literally draws heat out of the air.
As was mentioned in P. Pince&#8217;s recent article, our air conditioning system is on holiday at this [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="aligncenter" title="Ice Cubes photo by Darren Hester " src="http://openphoto.net//volumes/pixelperfectstock/20050913/openphotonet_Abstract_001.jpg" alt="" width="450" /><br />
<span style="font-size:xx-small;">Photo © Darren Hester for <a rel="nofollow" href="http://8771.openphoto.net">openphoto.net</a></span></p>
<h2>A Simple Cooling System</h2>
<p>Heat naturally diffuses from areas of higher concentration to areas of lower concentration. And cold being the absence of energy, a block of ice literally draws heat out of the air.</p>
<p>As was mentioned in <a title="What's the Silver Lining in this Recession?" href="http://pecuniarities.com/whats-the-silver-lining-in-this-recession/4147">P. Pince&#8217;s recent article</a>, our air conditioning system is on holiday at this inopportune time. While looking at cooling units online, I saw several that were merely <a href="http://www.amazon.com/gp/product/B000OKHY2S?ie=UTF8&#038;tag=ourfouwor-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B000OKHY2S">refrigeration systems which fanned air over ice or cold water</a>. These systems are meant for use in places with dry climates, and as we live in the desert which is just such a place, we thought we&#8217;d give it a try.</p>
<p>Instead of purchasing a new unit or repairing our old one, we decided to simply use containers of ice placed in front of fans in rooms where we&#8217;re working or hanging out. When the ice has melted and the water is near room temperature, we remove it and bring in a new one if still needed. We make the ice at night when it requires less electricity for the refrigerator to keep cold.</p>
<p>We also consider thawing frozen vegetables in our rooms prior to cooking, though I wouldn&#8217;t do this with meat or anything that might lead to food poisoning.</p>
<p>If your automatic ice maker is already cranking out heaps of ice faster than you can consume, take some out and let them melt. You could do the same with the ice from defrosting your freezer.</p>
<p>And with entropy in mind (a concept of energy flow), I believe it would be advantageous to bring home ice, ice cream, and cold items (cooled on someone else&#8217;s dollar) during the day rather than at night. The saving may be very small indeed, but we&#8217;d make poor misers if we dismissed an economization on account of smallness, wouldn&#8217;t we?</p>
<p><!--nevermore--></p>
<hr /><h2>Related posts:</h2><ul><li><a href="http://pecuniarities.com/no-air-conditioning-summer-part-2-%e2%80%93-how-we-stayed-cool-without-ac/4379" rel="bookmark" title="Permanent Link: No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C">No-Air Conditioning Summer Part 2 – How We Stayed Cool Without A/C</a></li><li><a href="http://pecuniarities.com/is-simple-living-just-another-term-for-giving-up/364" rel="bookmark" title="Permanent Link: Is &#8220;Simple Living&#8221; Just Another Term for &#8220;Giving Up?&#8221;">Is &#8220;Simple Living&#8221; Just Another Term for &#8220;Giving Up?&#8221;</a></li><li><a href="http://pecuniarities.com/frugal-thermodymics-part-i-limiting-sources-of-heat-in-the-home/4145" rel="bookmark" title="Permanent Link: Frugal Thermodymics Part I: Limiting Sources of Heat in the Home">Frugal Thermodymics Part I: Limiting Sources of Heat in the Home</a></li><li><a href="http://pecuniarities.com/pecuniarities-our-fourpence-worth-1-year-anniversary/2533" rel="bookmark" title="Permanent Link: Pecuniarities (Our Fourpence Worth) 1 Year Anniversary">Pecuniarities (Our Fourpence Worth) 1 Year Anniversary</a></li><li><a href="http://pecuniarities.com/finance-blog-carnivals-of-late/4257" rel="bookmark" title="Permanent Link: Finance Blog Carnivals of Late">Finance Blog Carnivals of Late</a></li></ul><hr /><small>Copyright &copy; 2008<br /> The use of this feed on any website other than <a href="http://pecuniarities.com">http://pecuniarities.com</a> breaches copyright. If this content is not in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint:<br />  (38.107.191.113) )</small>]]></content:encoded>
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		<title>Freebies: Printable Paper Toy Soldiers Ornaments</title>
		<link>http://pecuniarities.com/freebies-printable-paper-toy-soldiers-ornaments/1850</link>
		<comments>http://pecuniarities.com/freebies-printable-paper-toy-soldiers-ornaments/1850#comments</comments>
		<pubDate>Sat, 13 Dec 2008 21:18:25 +0000</pubDate>
		<dc:creator>Madoline Hatter</dc:creator>
				<category><![CDATA[Crafts]]></category>
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		<description><![CDATA[
I remember when I was very little, flipping through a very old book and seeing a craft project  for making toy soldiers with toilet paper tubes. The image has come to mind now and then and I got the idea to make printable toy soldiers. They come four on a page. Print on card stock [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignnone size-full wp-image-1851" title="Paper Toy Soldiers by Madoline Hatter " src="http://pecuniarities.com/wp-content/uploads/2008/12/toy-soldier-models.jpg" alt="Paper Toy Soldiers by Madoline Hatter " width="256" height="250" /></p>
<p>I remember when I was very little, flipping through a very old book and seeing a craft project  for making toy soldiers with toilet paper tubes. The image has come to mind now and then and I got the idea to make printable toy soldiers. They come four on a page. Print on card stock or regular paper. All you have to do is cut them apart, roll them into a tube and secure with a glue stick.</p>
<p>My toy soldiers are adorable standing at attention with arms stiffly at their sides. You can display them on parade or leave one or two standing guard over your Christmas presents.  Other uses include hanging as ornaments on your Christmas tree or wrapping around a jar or bottle to use as a vase.</p>
<p>These soldiers can be displayed year round to show your patriotism or love of military history. Here are four classic nutcracker or British soldiers, one naval officer, and one modern soldier in camouflage with green cheeks.<span id="more-1850"></span></p>
<h2>Modern American Toy Soldier in Camouflage</h2>
<p><a href="http://pecuniarities.com/wp-content/uploads/2008/12/four-modern-toy-soldier.jpg"><img class="size-medium wp-image-1859 alignnone" title="Modern Toy Soldier Free Printable Template" src="http://pecuniarities.com/wp-content/uploads/2008/12/four-modern-toy-soldier-300x228.jpg" alt="Modern Toy Soldier Free Printable Template" width="210" height="160" /></a></p>
<h2 style="text-align: left;">Classic Toy Soldier in Red Coat &amp; Blue Pants</h2>
<p><a href="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier1.jpg"><img class="size-medium wp-image-1855 alignnone" title="Classic Toy Soldier Free Printable Template 1" src="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier1-300x228.jpg" alt="Classic Toy Soldier Free Printable Template 1" width="210" height="160" /></a></p>
<h2 style="text-align: left;">Classic Toy Soldier in Red Coat &amp; White Pants</h2>
<p><a href="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier-2.jpg"><img class="size-medium wp-image-1856 alignnone" title="Classic toy Soldier Free Printable Template 2" src="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier-2-300x228.jpg" alt="Classic toy Soldier Free Printable Template 2" width="210" height="160" /></a></p>
<h2 style="text-align: left;">Classic Toy Soldier in Red &amp; Blue with White Straps</h2>
<p><a href="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier-4.jpg"><img class="size-medium wp-image-1857 alignnone" title="Classic Toy Soldier Free Printable Template 3" src="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier-3-300x228.jpg" alt="Classic Toy Soldier Free Printable Template 3" width="210" height="160" /></a></p>
<h2>Classic Toy Soldier in Red Coat with Double Buttons and Gold Trim</h2>
<p><a href="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier-4.jpg"><img class="size-medium wp-image-1854 alignnone" title="Classic Toy Soldier Free Printable Template 4" src="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-toy-soldier-4-300x228.jpg" alt="Classic Toy Soldier Free Printable Template 4" width="210" height="160" /></a></p>
<h2>Classic Naval Officer in Blue Coat &amp; White Pants</h2>
<p><a href="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-naval-officer-blue.jpg"><img class="size-medium wp-image-1858 alignnone" title="Classic Naval Officer Free Printable Template" src="http://pecuniarities.com/wp-content/uploads/2008/12/four-classic-naval-officer-blue-300x228.jpg" alt="Classic Naval Officer Free Printable Template" width="210" height="160" /></a></p>
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