Wednesday, July 25, 2007

My Favorite Celebrity Money-Saving Tips From the Green Book



To save money and water, Jennifer Aniston takes three-minute showers and even brushes her teeth while the under the nozzle. That's one of several celebrity tips in The Green Book The Everyday Guide to Saving the Planet One Simple Step at a Time By Elizabeth Rogers and Thomas M. Kostigen. I like the book and the concept because living green also saves greenbacks.


Here's a sample:

Will Ferrell: Drives an electric car

Owen Wilson: Uses recycled paper towels and eco-friendly cleaning products.

Tyra Banks: Uses a water filter instead of buying bottled water. Turns out lights after leaving a room and flushes the toilet only when needed.

Cameron Diaz:
"My grandmother raised her own livestock in her backyard, her own vegetables in her backyard. And it was just here in the Valley next to Glendale, next to where the California Pizza Kitchen is right now.

It was a different era and a different mentality. She raised her first four children there.I watched my grandmother reuse tinfoil and plastic bags. And when she was finished with a loaf of bread, she kept that plastic bag and she would use it for something. She would make soap out of the fat drippings off of the meat she cooked. Nothing went to waste. Everything was reused and recycled. So I had that as an example."

link to full interview




Here's The Green Book website. The "solutions" menu option on the official site offers a list of money-saving solutions.

The book was recently featured on Oprah. Here's a link to Going Green 101: What Your Family Can Do Today!


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Tuesday, July 24, 2007

How One Man Uses Price Guarantees for Big Savings

A reader named Barry sent me this piece about how he saves at different stores. Basically, he uses a combination of Back-to-School sales and price guarantees to save a lot. Here's what he wrote.


Staples, OfficeMax and Office Depot are battling each other with huge back-to-school savings. As a result, the consumer saves!

1. Each has a promotion when you return selected ink cartridges for credit. Staples gives you a $3 coupon, good off your next purchase within 90 days, Office Depot gives you a $3 coupon with no expiration date, and OfficeMax gives you an immediate $3 off your purchase!

2. The good news is that these coupons, plus those that may be published in newspapers or received in the mail, are accepted at all three retailers. Each of the three is accepting the others' coupons!

3. And, each of the three will price match the others' advertised prices when you present the printed advertisement, such as the circulars distributed with the Sunday newspapers! So, if you see Staples in [a distant neighborhood]has advertised a deal that you cannot resist, just drive down to Office Depot [closer to home], and they will honor the Staples advertised price on the identical item!

4. Staples' price match policy is slightly more attractive! Not only will they price match, they will also pay you 10% of the price difference in appreciation of your business. And with a deal like this, you'll save on gas and most importantly, your time."


Barry is right. I recently interviewed executives from Office Depot and Staples. Both individuals confirmed those details.

And when it comes to price-match guarantees, Andrew Schneider, an executive from Staples, told me: "We will look at the difference and give you 110 percent." Schneider also said that his company sells back-to-school items (normally priced $1- $2 and higher) for as low as 1 cent to 19 cents.
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Monday, July 23, 2007

Cheap Facelifts for the Bathroom

Superhero action figures saved the surfaces of my children's bathroom. My husband revived a tired decor by placing Jedi Master Qui-Gon Jinn, King Kong, the Queen of the Elves from Lord of the Rings and other characters on a shelf.

Here are some other frugal bathroom fixes from the design pros:

Banish flat mirrors. A framed mirror instantly updates a bathroom and becomes a decorative centerpiece, says Perla Lichi, owner of Perla Lichi Design in Fort Lauderdale. You can buy an ornate framed mirror or use liquid nails to attach a wood or resin frame to an existing mirror, Lichi says. Or consider framing a mirror -- like a window -- with curtains, recommends Kathy Wilson, editor of TheBudgetDecorator.com and home decorating expert for LifetimeTV.com.

Update fixtures. Change the towel bar, switch plates, faucets, shower heads and cabinet handles. ''It's amazing how much change you can make in your bathroom by updating the smallest things,'' says Karen Cobb, a spokeswoman for Lowe's.

Buy paint. A splash of color and texture provides an instant face-lift, says Deborah Zimmer, a spokeswoman for Rohm and Haas Co., a paint company. A faux finish or a textured paint design is more forgiving than wallpaper because it does not become unglued with humidity or display tell-tale seams.

Experiment with lighting. Track lighting, sconces or new vanity lights along the mirror brighten the powder room. Avoid lights that cast downward shadows.

Update the shower. ''Listelo,'' a tile border, can freshen existing marble or tile in a shower. This border can be installed like a chair rail or wainscoting on a shower wall.

New accessories: You can find soap dispensers, toothbrush holders, towels and shower curtains in dollar stores and clearance aisles of high-end stores.

Cut the clutter. ''If you can't get most of the makeup and shaving cream under the sink, pick up a few baskets from the dollar shop to put them in,'' says Kathy Wilson of TheBudgetDecorator. Make sure there is a hamper.

Clean up: Don't underestimate the power of soap, Cobb says. Clean the grout between floor tiles and in the bath/shower area -- high-traffic surfaces. It's an inexpensive way to brighten the room.

This is from my latest column in the home & design section of the Miami Herald.
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Thursday, July 19, 2007

Welcome to KS95 (94.5) Readers




A special welcome to readers from KS95 (94.5 in Minnesota). Special thanks to Greg & Cheryl from the Morning Show, who chatted about kids and spending. And recently provided a link to my post on that topic.


I'm glad to be included in the morning posse. Thanks to the KS95 morning crew for the link.


Wednesday, July 18, 2007

Frugal Honeymoon for Tony Parker & Eva Longoria?

How do you top off a lavish wedding in a 17th century French castle? After spending a small fortune on a luxe wedding, Desperate Housewives star Eva Longoria and Tony Parker (San Antonio Spurs basketball player) apparently spent far less on their low-key honeymoon, according to People magazine.

Ping-pong, rounds of Yahtzee and simple candle-lit dinners filled their post-wedding agenda, according to news reports.

Here's my list of frugal vacation activities:

1) Picnics

2) Enjoy free entertainment offered in the resort

3) Use the complimentary spa and pool area.

4) Find the resort's lending library for free books, magazines and board games.

5) Go to a local supermarket. In Saint Maarten, my husband and I got a local taste of the Caribbean by going to a down-home market where area residents shopped. In this un-glitzy location, we sampled another culture.

6) Find local museums.


This site has some great ideas for a frugal honeymoons and I also liked the ideas listed here.

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Tuesday, July 17, 2007

The Cheapest Times to Shop and Save

Over the last few days, friends and business contacts have gifted me with advice about finding the best times to shop and save. Basically, some days of the week are best for scoring deals on airline tickets, books and other items.

For instance, managers of some of my favorite stores have shared their markdown schedule with me. At Marshalls, a manager told me that she marks down merchandise every Thursday. So when I was interested in a pair of shoes, housewares or other merchandise, I would show up on Thursday to see if the item had a red-ticket discount.

Likewise, an assistant manager at Ann Taylor Loft once told me that Friday was her day for receiving marked-down items.

Here's a great article from SmartMoney.com about the best times to buy stuff. This is a very short summary:

Best time to buy airline tickets: Wednesday

Best time to buy books: Thursdays at Borders; Tuesdays at Barnes & Nobles.

Best time to buy cars: Mondays

I use a simple fact-finding approach for finding out the best days to shop.

1) Get to know the sales people.

2) Ask about upcoming sales or markdowns. Some will shrug and say nothing, but others will offer tips. An employee at Payless shoes once tell me to wait a few days, because a sale was pending. I waited and saved.

3) Study the promotional schedule for the distribution of store flyers and discount coupons. CVS and Walgreens have sales that run Sunday through Saturday. But some of the grocery stores and organic food chains work with a mid-week schedule.

4) Go early. Sometimes items are marked down the night before a sale, according to a report I read in a recent magazine.
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Monday, July 16, 2007

How to Redesign Your Home For Less

From home stylists to certified specialists, the field of home design has widely varying costs. To get the most for your design dollars, industry experts offer these tips:


Consider frugal alternatives. Younger designers and in-house store decorators are low-budget options for consumers. Professional organizers and stylists -- who charge by the hour or the day -- can give a room a new look by working with the furniture and accessories that you already own. Some designers are willing to take on smaller projects such as a single room or a bathroom.


Get referrals: Do you admire the decor in a friend's home? Ask about the decorator, says Tori Mellott, senior market editor of decorating for Domino Magazine. ''Ask if the designer is easy to work with, accommodating and if they explain their fees upfront,'' Mellott says.


Use Internet search engines: Many designers operate websites showing work samples, Mellott says. Looking online lets you study a portfolio without the pressure (or potential cost) of a face-to-face meeting. If you like the online version, make an appointment or request to see the full portfolio.


Pin down fees: The range includes initial consultation, shopping rates, hourly charges or fees based on the cost of the whole project. Ask about additional costs for illustrations and floor plans. Inquire about mark-ups on furniture purchases. If your designer purchases furniture at a wholesale price, ask for a lower markup or a cut in shopping fees.


Request a contract: Don't rely on word of mouth when it comes to financial details, according to the American Society of Interior Designers. A written contract protects both parties by outlining the size, deadlines and budgetary limits of a project.


Create your own portfolio: Reduce hourly fees by collecting samples and photos of furniture and accessories from magazines, books and store catalogs. Your tear sheets will help eliminate misunderstandings that waste time and money. By doing your homework, you also create less work for the designer, Mellott says.




This is from my latest column in the home & design section of the Miami Herald.
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Thursday, July 12, 2007

An MSN List of Fave Freebies & My Top Freebies

A recent MSN message board list of favorite freebies prompted me to write down a short list of some of my favorite freebies. Give-away programs mentioned over at MSN included frequent shopper/customer programs from MyPoints and MyCokeRewards.


Here's my list freebies or cheapies

1. Free makeovers at Sephora.




2. Free gym workouts. Ask for a trial week or month at different gyms. Ethically, I try this only when I'm really trying out a new gym for possible membership.

3. Cheap: Some ice cream chains (Ben & Jerry's and Baskin-Robbins ) either sell or giveaway away free ice cream scoops on the store's anniversary). Ben & Jerry's also has a free on-site tour with free samples.


4. Birthday freebies. Restaurants, chain stores and ice cream stores have different birthday discounts and freebies when it's your birthday. Here's the link to the Birthday club at Baskin-Robbins.


5. Free tea samples: I have called Celestial Seasonings to praise them about their wonderful teas. They have offered me coupons, free samples and a free tour, which I will take if I ever get out to Colorado.


6. Free back-to-school supplies. For a home-based writer like me, back-to-school sales feel like a seasonal gift. I look for all of the Buy-One-Get-One-Free sales of pens, paper, index cards and other supplies that I use during the year.


7. Car show giveaways: My boys went to a car show and came home with hats, tee-shirts, key chains and other really cool stuff.



8. Industry trade shows. I love the trinkets that are handed out at trade shows: I always need more pens, post-its and desk toys.


9. Here's how I get Free soda at Epcot. Free chocolate samples at Ghiradelli.


10. Television and free cable shows on the Internet.



11. Music on the Internet. Here's a link to one of my favorite songs: The Gap Band's Outstanding. I love the old school mix at offered by moongirl.


Here's the link to Outstanding at moongirl.








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Wednesday, July 11, 2007

My Conversation with Chris Gardner: Pursuit of Happyness




He does sound like Barry White on the telephone and his story is packed with meaningful (and frugal) advice. That's my response to a recent telephone interview with Chris Gardner, author of The Pursuit of Happyness. He also was an associate producer of that hit movie, which starred Will Smith.

Chris Gardner's story has been well documented. Homeless with a young child, Gardner worked as a stock broker trainee during the day. In the evenings, Gardner and his young child navigated through the maze of homelessness in America during nights and weekends. Ultimately, he scored big time on Wall Street and became the founder and CEO of Gardner Rich & Company, a successful brokerage firm.

I spoke to Gardner last week because he's working with Visa on a stored-value card for under-served banking communities. (I'll address that topic in a later post.) But in the here & now, this is what I learned about frugal living from Chris Gardner.


1. Hard work pays: As a novice broker, he really worked those phones to produce investment business. Cold calling is a cold business, but Gardner generated big-ticket sales. What's more, he paid close attention to the successful working styles of others.


2. Use second-hand furniture: After sleeping in a transit bathroom and rooming in a shelter, Chris Gardner and has young son were eventually able to rent an apartment. He furnished the modest apartment with second-hand furniture."That is where friends came through," Gardner told me.


Friends gave him: a king-size bed, a card table, linens, lamps and other old, but functional items that they weren't using.


And during his early days as a stockbroker, he went to flea markets to find cute splashes of color and other fun trinkets to decorate the home for his two-year-old son.




3. Find low-tech toys for kids: When he and his son were homeless, Chris Gardner found creative toys for his son. For example, a used juice can made a wonderful kick-it toy.

"We'd find things," Gardner said. "The juice container became a little soccer ball. And as long as I could kick it forward, he [his toddler] would run. We could make fun out of anything."

4. Free entertainment: During the long stretches of weekend hours, the father-and-son team were often on the streets for extended periods. Therefore, Gardner became a pro at hunting down free community activities that would keep his son entertained without spending money.

Going to the park was one of their favorite activities.

5. Give back: Gardner is now a very wealthy man and he shares his good fortune with many charities, including those individuals and institutions that offered him support during the lean years.



He also has his own foundation.







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Tuesday, July 10, 2007

Unusual Uses for Baby Wipes: Shoes, Screens & Faces

Is it really possible to clean a computer screen with a baby wipe? That's one of the tips provided by a reader of Real Simple magazine. I have not tried that trick, but I have used baby wipes for other cleanup duties:



I've swiped floor, counter tops and faces (to remove make-up and grime) with baby wipes. In fact, some stylists on South Beach modeling shoots have used baby wipes to clean up cosmetics and clothing.

And when traveling -- cars, trains and planes -- wipes are great for quick and emergency cleanups when water and soap are not available. Likewise, during hurricane season when we have lost access to running water, wipes have been great for hands and faces.



Here's a list from Woman's World:

Shoeshine: A swipe with a baby wipe will "clean and shine" a leather shoe.

Make-up remover: A cleanser and a moisturizer all-in-one. (Works great for me).

Sunburn relief: Pat down burnt skin with a baby wipe. ( I would use those with aloe, a plant that is great for burns)

Laundry help: Use a wipe to blot away deodorant marks on a garment.

Banish crayon marks: Wipes are great for removing crayons (and scuff marks) from laminate surfaces, tiles and walls. (I've had success with this tip.)

Screen saver: Like the reader from Real Simple, Woman's World also claims that baby wipes are great for cleaning dust from "TVs, stereos and computers."
source: July 17, 2007 issue.

Meanwhile, the folks at RDLiving.com -- the online version of Reader's Digest -- believe that wipes are great for cleaning computer keyboards:

"Clean your PC keyboard

Periodically shaking out your PC's keyboard is a good way to get rid of the dust and debris that gathers underneath and in between the keys. But that's just half the job.

Use a baby wipe to remove the dirt, dried spills, and unspecified gunk that builds up on the keys themselves. Make sure to turn off the computer or unplug the keyboard before you wipe the keys.

--Extraordinary Uses for Wipes

The rest of the list provides other interesting applications. My favorite: dried out, but fairly clean wipes can be used as furniture dust cloths.

Thriftyfun.com also has a great thread with comments about unusual uses for baby wipes.








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Monday, July 09, 2007

Thanks to JLP & Other Bloggers

Thanks to JLP of All Financial Matters for including my Money-Saving Guide to Theme Parks in a recent roundup. Thanks also to the Chief Family Officer and Babble for linking to that post as well.

Also appreciation to: The Mint Blog and to Mom Advice for mentioning my Cheap but Elegant Guest Room Tips.

Thanks to No Limits Ladies for the recent links.
By the end of the month, I will resume a Sunday roundup of my favorite weekly posts.
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Expert Storage Tips for Saving Money With Your Frig

An organized refrigerator saves time and money. Smart cooking habits lengthen the life of your frig, as does proper storage. Here are a few tips from the pros.


Use the crisper. Leaving fruits and vegetables on open shelves is a recipe for limp and spoiled produce, according to Paul Leuthe, corporate marketing manager for Sub-Zero appliances. A steady stream of cold air, great for other foods, is deadly for produce. ''Air dries things out,'' Leuthe says. In contrast, the ''crisper'' drawer helps fruits and vegetables stay crisp longer by providing higher humidity.


Isolate and segregate. Randomly tossing fruits and veggies into the same bin can be wasteful, say the experts at Sub-Zero. Many fruits -- apples, melons, apricots, figs and bananas -- produce ethylene, a gas that hastens ripening. Ethylene makes most vegetables spoil faster, so store fruits and vegetables in separate bags or drawers. ''Wash them, put them in bags and keep them isolated,'' Leuthe says.


Reconsider the door. It's tempting to store milk, eggs and other high-use items in the door. Think twice about putting highly perishable products there because the door has the greatest temperature fluctuation and agitation. Both shorten a food's shelf life.


Maximize multilevel storage. Hot air rises. Foods needing cooler temperatures should be on the lower shelves. Use the upper ones for items less prone to spoil.


Don't crowd. An over-packed refrigerator reduces the flow of air. With reduced circulation, the unit becomes less energy-efficient and more prone to frost and freezer burn.


Reduce humidity. Your refrigerator will work more efficiently if you keep a lid on moisture in the kitchen.


This is from my latest column in the home & design section of the Miami Herald.
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Friday, July 06, 2007

Welcome to Consumerist.com Readers

If you're new to the Frugal Duchess, thanks for stopping by and please look around. Thanks also to existing readers for the support and interest.

This week I was featured at Consumerist.com, which resulted in a sharp spike in traffic. Thanks to Ben at Consumerist for including me in the roundup.

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Frugal Fun in New York

During the 10 years that I lived in New York City, I developed a repertoire of no-cost and low-cost fun activities. Here's a list of my cheap, but fun things to do in NYC.


· Staten Island Ferry: When I lived in Manhattan, the Staten Island Ferry was 25 cents for a great ride. (The private cruises are lots more). Now the ferry is free and you catch a glimpse of the Statue of Liberty during the ride. Here is a link to the ferry.

· Street Performers: Central Park, Washington Square Park and Union Square Park: On the streets of New York, I have seen extreme skaters, dancers, musicians, singers and little girls jumping Double Dutch at heart-breaking, breath-taking speed.

· Free Spectator Basketball games: Okay. The Spurs vs. Cavaliers NBA championship final was not exciting basketball, but in New York there are some awesome pickup games that are great to watch. Here's my favorite spot: Fourth Street B-ball Courts in the West Village.

· Free summer concerts:

· Shakespeare in the Park: There's a great lineup for this summer. Awesome casts & free tickets.

· Improv Jazz sessions at Dan Lynch Blues Bar in the East Village: In between weekend gigs, many professional musicals in Manhattan show up for free jazz jam sessions on Sunday afternoons. Some of my happiest afternoons have been spent listening to star-struck music at Dan Lynch.

· Cappuccino at Caffé Reggio in the Greenwich Village: With a cup of coffee, you can sit for hours at this café and people watch in the Village. This place has been around since 1927. You'll forget that Starbucks ever existed.

· Halloween Village Parade

· Moses Beach/Jones Beach

· Coney Island Boardwalk

· Museums (Brooklyn Museum, Museum of Modern Art, Metropolitan Museum of Art, etc and art galleries, especially in SoHo.)

· Discount show tickets (Broadway and off-Broadway) from the Theatre Development Fund

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Thursday, July 05, 2007

A Money-Saving Guide to Theme Parks

From New Jersey to Florida, I have been to a lot of theme parks: Here's my guide for having lots of fun while saving money:


Bring your own rain coats or ponchos. Of course, when it rains, theme park gift shops have ample supplies of rain gear, about $6 per poncho. That’s convenient, but for a family of four that’s $24, plus tax. That bill represents money that could be saved or spent on other vacation treats. In contrast, you can buy ponchos for a buck a piece at Walgreens and dollar store chains.

Pack Sweatshirts or extra clothing. When the sun goes down—especially in the winter and spring -- temperatures sometimes dip sharply in the parks. We’ve been in Orlando during the December holiday season when the thermometer has dipped into the low 30s. Brrr. I’ve watched in sympathy as tourists in shorts, halter tops and bathing suits have purchased warmer clothing at gifts shops, with prices that start at $25 for a sweatshirt. (Been there, done that). We bring our own jackets and we check the forecast before leaving our home or hotel room.

Carry your own snacks. As special treats, we occasionally buy the park-branded snacks (ice cream, soda or candy). But most of our snacks are from the DIY (Do-It-Yourself) label. Likewise, bring your own water bottles. It’s best to freeze the bottles the night before (in your hotel room) and sip the defrosting water in the hot park.

Enjoy spray-and-soak rides in the middle of the day, when you’ll dry off faster in the hot sun. Otherwise, you’ll be tempted to buy new gear at one of the conveniently located clothing stores in the park. Or bring extra clothes and store them in a park locker.

Get a room with perks: A great hotel—with lots of free activities and services—will save you hundreds of dollars during a vacation. That’s because the more perks your hotel offers, the fewer days your children will want to spend in the park, which translates into fewer admission tickets, meals and treats.

For instance, with my extended family, we have frequently stayed at a kid-centric resort in the Orlando area that offered free entertainment, crafts, games, miniature golf and sporting events for families. What’s more, the main pool—with water sprays, fountains and other fun surprises—was like a water park. Once, we even had to bribe our kids to get out of the pool in order to use the theme park tickets that we had already spent a fortune on. We didn’t make that mistake twice.

Check out free or low-cost attractions: Orlando has more to offer than Disney or Universal Studios. There are many frugal entertainment options that cost a fraction of theme park admission tickets. This logic applies to other areas of the country. Lesser known –and cheaper—local attractions often try to ride the coattails of nationally known parks. There are also municipal parks, zoos, museums and other affordable attractions.

Shop outside the park: Many of the dollars stores and gift shops on the nearby highways carry affordable souvenirs and trinkets.

Give each child a trip budget: We provide our children with a trip allowance to spend as they choose. Of course, we cover the basics, but for buy-me, buy-me trinkets, the kids are on their own and when their fun money runs out, that’s it.

Don’t overstay. Kids nine and under have about a six-hour window in the park. My husband and I have timed our kids and we have watched the temper tantrum cycles of other children. Trust me. Don’t stay in the park with irritable, tired grumpy children. You will feel as if you have wasted a ton of money.

Leave the park, get your hands marked with a re-entry stamp. Go back to your hotel for naps and consider returning to the park for evening parades, fireworks or other festivities. Mothers with younger children can also go to the nursing station in some Disney parks. This facility—with rocking chairs, microwave ovens, televisions and play areas—is an ideal “chill zone” when you, or your toddler/baby need a time-out.

Find the playgrounds. Inside amusement parks and municipal parks are real playgrounds where the kids can just play and get exercise. A constant diet of theme parks represents too much passive entertainment. Sometimes, kids and adults just need to play and run around. _____________


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Tuesday, July 03, 2007

After 4th of July Picnics: Odd Uses for Paper Plates

With the yearly celebration of the Fourth of July, barbecues are fired up across America, and that American cuisine is typically served on lots of paper plates. However, after the food and the fireworks, many of us are stuck with a stack of paper plates! From Woman's World magazine, intern Maya Jaffe has pulled together a list of unusual uses for paper plates. Other links--including a tip about making index cards from plates -- are below.


Microwave food shields: To limit the amount of food that gets splattered when using a microwave oven, place a paper plate, on top of the food while heating up a meal or snack.

China Security- When stacking, packing or storing fragile China, place paper plates in between the dishes in order to guard the fine porcelain.

Garbage Liner- Place paper plates at the bottom of a trash can. Cut and shape the plate to fit the bin.

Paint Ring Prevention- Place a paper plate under a paint can to save the surface it’s placed on from a paint ring.

Disposable Cutting Board- Eliminate messy cutting boards by using a paper plate. This step works very well if you are in a hurry and the cutting board is dirty. By using a paper plate, you can cut an entire salad and when you're done, so is the plate. I use this tip all the time when preparing for a family gathering or entertaining.

--written by Frugal Duchess Intern Maya Jaffe
source: Woman's World 7/03/2007 issue

Odd uses for paper pates from Living a Better Life: 51 Money-Saving Uses for Ordinary Kitchen Items


"1. Place two plates together, edge to edge, fill with beans or rice, staple the edges together, let children paint and decorate for a fun musical toy.

2. Use as a cover for food to keep warm.

3. Place ½ of a plate on top of a full sized plate,
edge to edge, staple edges to create a letter holder. Great for kid's
Valentines."


Paper plates are also good for Make-it-Yourself index cards, according to RDLiving.com, (the online version of Readers Digest) which offers these tips for alternative uses of paper plates.


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Monday, July 02, 2007

Cheap but Elegant Guest Room Tips

Creating a comfortable but affordable room for guests can be a challenge. But it's possible to make your home more inviting without spending a lot of money.


Furnish a multi-tasking room. The guest room serves many functions for Tammy, a Miami Beach homeowner. On weekday mornings, the spare bedroom with its own bathroom doubles as a home office. In the evenings, it becomes a media center for her children. But on weekends when guests visit, it turns into a bedroom. A large cabinet, which houses the media center, also has clothing hooks and extra pillows and linens. A couch converts into a bed with a festive quilt added for guests.

Create a gift basket. From sunscreen to new toothbrushes, Tammy provides guests with a large stock of personal care products in an attractive basket. She purchases travel-size containers of shampoo, lotions and other grooming products and refills them from economy-size bottles as needed.

Create privacy. The ideal guest room enables a visitor to retreat behind a closed door, complete with a private bathroom. (If you don't have an extra bathroom for guests, Woman's World magazine recommends placing an attractive towel stand in the guest room.) The guest area should also include space for suitcases, clothing and other personal belongings.

Use color wisely. Walls painted in soothing colors, such as soft greens and aqua blues, can create a relaxing retreat, says Jane Heaton, owner of Designing Woman, a design firm in northern Broward County. She recommends against wild and hot colors, which can make some guests feel claustrophobic.

Decorate with a theme. Use accents and accessories to create a vacation environment, Heaton says. She recommends tropical, nautical or fishing themes. Mounted seashells, unusual picture frames, photographs and other accessories can provide decorative accents. Potpourris, scented soaps and other aromatic treats also create a relaxing environment.

Stock up. Supplies of festive hand paper towels, fluffy towels, appliances (reading lights, an iron and a clock) and extra pillows make guests feel pampered. In my home, we also provide visitors with a wide selection of reading materials: novels, nonfiction books and magazines.


Be prepared: An inflatable air mattress, additional blankets, sleeping bags and cots are helpful if guests arrive with children.


This is from my latest column in the home & design section of the Miami Herald.
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Friday, June 29, 2007

Do We Spend Too Much on Our Kids? A Quiz

For each child, the typical middle-class family spends about $1,200 a year on entertainment, personal care & misc. perks; and another $580 on clothes. Those annual figures --from a 2005 USDA report -- exclude food, ($1,900), childcare ($1,200), transportation ($1,600) and healthcare ($580).

Those figures seem a little low to me, judging from the cellphones, iPods, Gameboys and laptops that I've seen on some kids, including my own. So, I wonder: Do we spend too much, too soon, too unwisely on our kids? In the July 2007 issue of GH, financial columnist Jane Bryant Quinn offers a spending reality check: a short quiz for parents. I've paraphrased the questions & included my own short answers. Feel free to leave your own answers in the comment section or send me an email. (Sharonhr@bellsouth.net)


1. Your kid requests a special gadget or item. Do you purchase the trinket right away rather than wait for a holiday or b-day?

(We wait --90 percent of the time, but-- honestly--not always.)

2. When your older children (age 7) and above ask for something (needed or wanted) do you automatically buy it without asking them to kick in with funds from their allowance or savings?

(We usually opt for the joint payment plan with wish-list items. But if they need something for school, we pay for it.)

3. Do you feel obligated to throw huge birthday bashes because that's the standard in your neighborhood?

(No way!!! We take pride in our low-ticket, old-school b-day parties. We even play Pin-the-Tail on the Donkey.)

4. Do you gripe about your child's cellphone bill, but cover the c-phone tab anyway?

(Not an issue: Our biggest gabber has a no-frills, local-call only, unlimited minute plan).

5. Look at the floor space in your child's bedroom: Is there more stuff on the phone than free floor space?

(Ouch: That one really hits home. Once my mom saw my kids' overstuffed toy closet and asked me: "Did we not give you enough toys as a kid?" Toys are us. )


6. Are your kids permitted to shop with the family credit card with no limits?
(NO!~)

7. Do you have an easier time spending freely on your kids than on yourself?

(No comment)

quiz key: Two or more yes answers means that you are probably overspending on the kids.

By the way, the July 2007 issue of Good Housekeeping reports that families in the $43,200 to $72,600 income bracket spend about $7,500 a year on each kid based on government figures.
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Thursday, June 28, 2007

Mommy I'm Bored: 25 Frugal Ways to Beat Summer Bordeom

My 9-year-old daughter does not go to camp until July 9. That's when her drama camp begins. But the plot has already thickened in my house with a steady chorus of: Mommy, I'm Bored!


Here's what we're doing to cure the summer blues:


25 Frugal Things to Do with Kids.


1. Write a book. My daughter has written a how-to-manual for kids. It's a short guide about fixing everyday problems. She has typed up the book and I want her to create pictures. Meanwhile, a close friend suggests another project: Mommy, I'm Bored.



2. Crafts at the library: In addition to story hour, one of our local branches offered a free craft hour. My daughter made a bookmark and decorated a small wooden box.


3. Dissect old machinery: With tools and light supervision, my daughter and a friend spent hours investigating the guts of an old machine. They learned a lot and enjoyed the process.


4. Start a reading club (with other children)


5. Go to the Beach, the playground or a park.



6. Check out free programs at public buildings, museums and malls.


7. Visit botanical gardens. We found a $5 yoga class and low-cost art instructions at one of the local (public) gardens.


8. Play Neopets.com. There are lots of games and money-related activities at Neopets.com. My daughter has actually learned a lot about commerce from this site. Kids adopt electronic pets and then are responsible for feeding, housing and entertaining their pets. Kids can play games or set up a store or shop. I like to play the slot machines in the game arcade. It's a frugal way to gamble. I get the thrill of the casino without the expense.

9. Go for a walk.


10. Cook.


11. Shop for food. We went to the grocery store today. My daughter put together her wish list: ice cream, berries, whip cream and cookie crisp cereal. We had fun.


12. Write a letter: My daughter has written a cute, cute letter to my folks. I have to remember to mail it.


13. Start a craft project


14. Go to a yard sale, flea market or estate sale


15. Surf the Internet for vacation ideas.


16. Looking for old-school games on the Internet. My daughter Googled "marbles" and found a lot of marble games. She and a friend printed out the instructions and played marbles.


17. Watch Disney.com. Also try crayola.com, and familyfun.com


18. Free movie camps. I've written about this in the past (last June) and here is the link to my story. Basically, many of the major movie chains have free movie mornings for families.


19. Create a "summer buddy program." My daughter called around looking for play dates and friends to share in new activities.



20. Co-worker program. I gave my daughter an assignment to interview my parents about how they paid for college expenses. It was a win-win-win. I really needed the information; she pretended to be a reporter and the grandparents were happy to chat with her. (She enjoyed herself also).


21. Rent videos from the library. The children's selection of our local library is great.


22. Start a parent-child summer book club. I am reading the same book as my 12-year-old son. We've had some insightful short chats and I will take him out for pizza and we'll really discuss the book in depth.


23. Find them a job. For one afternoon, my daughter worked as a mother's helper for a friend who had an active toddler. My friend was able to finish a project and my daughter had an afternoon of fun while playing with a toddler. She also earned a few dollars.


24.Make a list of summer activities. "Wow, I have done a lot," my daughter said as we worked on this list together.


25. Get ice cream: It's free; it's cheap. It's cool.

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Wednesday, June 27, 2007

How a Real Duchess Recycles a Royal Wedding Dress

Why spend a fortune on a dress that you'll only wear once? Apparently that idea recently ran through the mind of the Duchess of Cornwall --Camilla--who was recently photographed wearing her wedding dress. The British newspapers are calling her the: "Royal Recycler."

"...the Duchess of Cornwall obviously couldn't bear to confine her beautiful wedding outfit to the back of the wardrobe. The royal recycler wore the ivory-hued Robinson Valentine ensemble again this week as she attended the opening of the National Assembly of Wales with her husband."
--source: Hello magazine

The Duchess recycled her dress with new accessories, including a different hat and pearls.

There are other ways to recycle a wedding dress:

1. Donate it to charity. This article from an ABC station has some tips about donating a wedding dress to charity.

2. Create a wedding dress bank. In my community, various women maintain a stock of wedding dresses. It's like a borrowing library and it's filled with gowns for brides, mothers of the bride, and bridesmaids. This free dress lending service really cuts down on wedding costs and creates a real sense of community. And each dress looks different on every girl or woman. I've gone to lots of local weddings and I've never spotted a familiar-looking dress.

3. Give it to your sister, cousin or daughter. For my Central Park Wedding in 1992, I wore a hand-me-down gown from one of my younger sisters. It was an expensive dress, but I only spent about $150 on alterations and cleaning. Beyond my immediate family, no one -- at least until now -- realized that my gown was a repeat performer.

4. Sell it on eBay, a consignment store or through a standard newspaper classified ad.

5. Alter it and wear it again. Wear your wedding dress--done over--to a black-tie event.





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Tuesday, June 26, 2007

Beyond Spitballs & Soda: Unusual Uses for Straws

From storing necklaces & nuts to providing garden support, straws aren't just for sipping. Here are a variety of uses for straws as compiled by Maya Jaffe, Frugal Duchess intern.

Keep Jewelry Untangled- The oblong shape of a straw is perfect for storing a necklace or bracelet. Just string the necklace or links through the straw to prevent tangles. This idea was once proposed to me, and I use it today, making all my jewelry easily accessible when needed.

Garden Stem Cell Support- This website provides helpful details about using straws to support the drooping plants in your garden and in your house. Use green transparent straws, a box knife, and a ruler. Cut the straw down one side and fit the divided tube around a stem that needs extra support. This support system won't spoil the look of your garden (if you use green straws) or block the sun. What's more, plastic straws are waterproof.

Artist Paintbrush Drying Racks- Straws provide a convenient way to store and dry (clean) paintbrushes. Here's the link.

Associated Content also lists five helpful tips for blowing more than air out of straws:

1) Homemade Single Serving Drink Packs-

2) Homemade Bubble Blowers

3) Remove Air From Plastic Freezer Bags-

4) Kids' Jewelry and Trinket Craft Materials- Cut into different shapes, straws are like flexible beads and can be used for a wide range of craft projects.

5) Hardware storage: It's like stringing beads: nuts, bolts and washers can be strung on a straw for easy storage. Secure both ends of the straw and you won't have to worry about random nuts and bolts in your toolbox.

--written and researched by Maya Jaffe, Frugal Duchess Intern
--edited by shr
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Monday, June 25, 2007

How Home Repairs Can Lower Insurance Bills

Home repairs can be a two-for-one special. First, maintenance work upgrades your home. And second, repairs and home improvements could also lower the cost of your home insurance bill, according to insurance experts.

''If you've made significant improvements to your home, you should, by all means, notify your insurance company,'' said Jeanne Salvatore, a spokeswoman for the Insurance Information Institute. ``You want to make sure that you get every available discount that you are entitled to.''

Here's a rundown of potential savings:

Inquire about discounts: A new roof or roof repairs may translate into a discount. Upgraded plumbing or a new heating/air-conditioning system may also qualify for discounts, according to Matt McWilliams, co-founder of HometownQuotes.com (www.hometownquotes.com), an online insurance portal. Some insurance companies offer 5 percent to 15 percent discounts if you have upgraded or modernized the wiring in your home within the last 10 years, according to the Insurance Information Institute.

Safety and burglar alarms. You could qualify for a discount of 15 to 20 percent off your home insurance premium for good fire alert or security systems, Salvatore said. Insurers provide the greatest discounts to systems that alert authorities or other emergency systems. Security lights, smoke detectors and deadbolt locks can yield discount points of 5 percent or higher.

Look for obscure savings. If your home is near a fire hydrant or in a municipality with professional firefighters (versus volunteers), your insurer may provide discounts. Additionally, ask about reduced-risk security discounts if you are retired or work from a home office. Your constant presence in the home means that a fire will be quickly detected and the home will be less of a target for criminals. Some companies provide a 10 percent discount to retirees.
For a free online brochure of money-saving tips, visit www.iii.org and click on the home section.

That's from my latest column in the Home & Design section of the Miami Herald.
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Friday, June 22, 2007

How & Why I Found Interns: My Frugal Internship Program

Flexo of Consumerism Commentary noticed that I have a new intern, who wrote a recent Tuesday Tips piece for me. Flexo inquired about the intern. Here's the scoop on my informal, but frugal internship program.


Help Wanted! For the following reasons, I began recruiting interns:

1. Book project: I've been writing a book, with a July 15 due date and a May 2008 publication date. Between the blog posts, a part-time teaching gig, newspaper/freelance print assignments, family & bills, I needed to budget my time.

An intern, I've found, is great for researching my weekly Tuesday Tips segment on my blog. This option frees up a bit of time.


2. My hands, elbows, & etc. Quite frankly, my digits and arms sometimes ache from assorted writing activities.

Remedies: ice packs, wrist splints, yoga, PT exercises. Later this summer, I will take a two-week sabbatical from typing. (HINT: I'M PITCHING FOR GUEST WRITERS!! Please). I'm also going to check out voice-activated writing software. Another writer has promised to walk me through a program that he uses and highly recommends.


With an intern, contributing to the Tuesday Tips feature, my hands receive extra rest.


3. Teaching: I like to share information & skills with students. I think writing is a valuable craft that has become undervalued in our society. Also, I have become a better writer by teaching. This same philosophy applies to my children.

My oldest son (a high school student) is also helping with a research project this summer. Our work together is mutually beneficial. I've also been teaching my younger children how to conduct interviews. They've been assigned to interview family members for one of my projects.

These activities keep their brains sizzling during the summer months.


How I found interns:


1. High School students
2. My children
3. College students: I thought of looking for journalism students from local universities or colleges. (I haven't tried this option yet). When and if I go this route, I will contact different writing programs in Southern Florida.



The System:

1. The List: For my son, I have typed out very specific instructions. For example, I needed research about 529 college savings plans. I walked him through the information on the Florida prepaid plan and then told him to look for other sites.

I gave my other intern, a tour of my blog and the type of tips I seek. We communicate via email and phone.


2. Flexibility: I try to find a variety of assignments that suit an intern's interests, time and talents.


3. Edit and fact check. Interns are requested to provide contact and resource info. I check the links and quickly review research material to make sure that everything is kosher by ethical and professional standards.


4. Review corrections, edits or re-writes. To clarify and instruct, I try to explain why I make changes in their stories. It's another win-win.


5. Praise and correct and praise. Positive and constructive feedback is important.


6. Production: Under deadline guidelines, information is submitted to me via e-mail or in a Word file. I handle all inputs onto my blog or manuscripts.


7. I listen: Maya Jaffe, the Tuesday Tip intern had valuable suggestions. Likewise, my son Tali has made insightful comments about the data we have collected and has re-designed a few charts for me. He's even edited my word choice on graphs. For me, it's a well-time lesson in humility.







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Thursday, June 21, 2007

Commenting on Golbguru's List of 25 Frugal Habits

Who drives an old car, wears ratty jeans and kills bugs with boric acid? The answer: golbguru at Money, Matter, and More Musings, who put together his list of 25 Things We Do To Save Money. I've been a big fan of these lists and have read the collection put together by Dawn at Frugal for Life, which includes a link to several lists, including mine.
*By the way: I've corrected the headline, where I had an incorrect spelling of Golbguru's name.
Here are a few of my favorite tips from Golbguru's list with my feedback:

#2 We drive a 10 year old used car and try to maintain it regularly (as much as possible). It does gives us problems, and generally costs a lot for repairs, but we have figured out that it’s more economical (for now) to keep this junker than to buy a newer (better) car.

My comment: Our family car is also an old model. It's a 1994 mini-van. Even with repairs, it's still cheaper than buying a new car. We purchased the car last year for about $1,000 from a family friend. And we've been relatively pleased and it's great to be free of car payments.
#4 Instead of pesticide sprays for roaches, we use boric acid – one pound of boric acid costs about $2 and works much better than most other expensive chemicals. Now-a-days the roaches are gone (except the occasional visitor from outside) and I think that’s because of a combination of boric acid and a clean sink. Come to think of it, a clean sink and a clutter free home are free ways of getting rid of roaches - that’s cheaper than boric acid.

My comment: We've used plain old dish soap to zap bugs in our garden. I also recently read in a magazine (First for Women) that soap shavings on plants also control garden pests.


#5 I wear some clothes like this one in the photograph: [Frugal Duchess note: check out the photos of his clothing] It’s a picture of my favorite piece of clothing - a 4+ year old blue jeans from Walmart. This is in accordance with the 2nd rule of graduate school - No one cares about what you wear (the first rule is - It’s OK to procrastinate). Anyways, I think I have the capacity to keep wearing this pair of jeans for some more months (may another year) before I start feeling embarrassed about it’s condition. Probably, my wife will be embarrassed to walk with me sooner than that. Note that this is just an example; not all my clothes are in this condition, although quite a few of them are older than 5 years.

My comment: Some of my favorite pieces of clothing are old, old, old and my husband has several pairs of ratty jeans. I love my little black bolero jacket from Yves St. Laurent that someone gave me in 1998. I've worn the jacket at black-tie events and to sporting events.

#10 We don’t have cable. Why? I don’t think we have enough time to watch what an average cable connection offers here. Plus, we are not *attached* to any particular television program or series. We get crystal clear reception for a number of popular programs (Raymond, Simpsons, Friends, House, etc.) using a $9 antenna from Walmart.

My comment: My house is also a cable-free zone and in a earlier post, I've written about how How I Get Cable Shows For Free. Dave Lucas also recently addressed this topic.


#13 We use compact fluorescent (CF) lights only in our home. CF lights save money and I personally like the white light (I am aware that some people don’t like it too much). We use a combination of those spiral CF bulbs and those long fluorescent shoplights.

My comment: I've been meaning to try CF's for a long while. This post inspires me to finally get going on this money-saving; energy saving option.

#19 For vacations, we usually try to locate some good friends near our destinations who would be willing to host us - it saves a bunch of money on hotels. Most of you probably remember a few of my recent posts about our trip to Philadelphia/New
York
- we were hosted by our close friends during the visit. There are some disadvantages to being hosted by friends, but let’s not talk about it here.

My comment: Great advice! When I went to Paris (twice), I stayed with friends. Friends and family have also provided free accommodations in London, New York, Orlando, Pittsburgh and LA. I try to be a good guest by bringing gifts, a good attitude and an offer of free labor. __________


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Wednesday, June 20, 2007

Angelina Jolie's $26 Dress & My Best Cheap Fashion Tricks


Angelina Jolie recently wore a $26 dress to a Red Carpet event. Her shoes, however, cost over $1,000, according to press reports. Nevertheless, I give Jolie high marks for her frugal fashion choice and she picked a great dress.


Here are the details from Hollyscoop.com:


"Angelina Jolie stepped out with her man Brad for her "A Mighty Heart" premiere in a $26 vintage dress but dressed it up with a pair of $1000+ Christian Louboutin shoes. Jolie told Access Hollywood that she found the crushed velvet black frock at the vintage store Wasteland on Melrose Avenue in LA." source: Hollyscoop.com


Her fashion choice sparked rave reviews. Here are a few samples:



Unlike Jolie I can't combine frugal fashion with expensive shoes, but here are:


My Best Five Cheap Fashion Tricks


1. Borrow clothes from a friend with a great closet or try the HMD (Hand me Down) store. Get give-aways from well-groomed, fashion friendly pals.


2. Find second-hand (thrift, consignment, vintage) stores in upscale neighborhoods. I know an older woman who loves to go the Goodwill and Red, White & Blue stores in wealthy areas. Her reasoning: Better Zoned Donations.


3. Shop off-season for classic garments. I found a well-made $129 skirt for $29 and a $99 outfit for $9 at Anthropologie during an end-of-season sale.


4. Make friends with the salesclerks. One store manager gave me her markdown schedule and once tracked down a past-season tweed skirt that a customer had returned. The skirt (still new) was unworn, but marked down to $6 because it was a year-old.


5. Stop stressing about the clothes and buy a great tube of lipstick, a cute hair ornament or unusual jewelry. I've even dressed up an old dress with a new hair cut or hair style.

Tuesday, June 19, 2007

How to Fix DVDs with Toothpaste & Other Odd Tips

Can you really fix a DVD or repair a wall with toothpaste? Apparently, toothpaste does far more than clean teeth.

It can also polish and clean items around the house as well! Consider this list:

  • Scratches on DVDs and CDs and glass can instantly be removed via polishing with toothpaste due to its mild abrasive power. Our tester-- Maya Jaffe-- personally tested the power of toothpaste on a scratched movie scene from The Notebook. The DVD returned to its tissue-grabbing self after applying toothpaste in circular motions, Maya reports.
  • Piano Key Repair: Scratches too can be removed from delicate, hard-to-manage ivory piano keys, according to this article from Associated Content.
  • Wall Repair. Toothpaste, as legend has it, can also clean crayon off painted walls, and once the walls are clean, we can also fill holes in the wall with toothpaste, using it as temporary caulking to seal cracks and spaces- just make sure to paint over as to prevent ants.
  • Laundry Fix: Toothpaste can clean our clothing as well! Stubborn Kool-Aid, lipstick, and ink stains can be removed by applying toothpaste to the offending spots. You can also remove scuff marks from shoes with a bit of dental paste. Here's how: apply a bit of toothpaste to the shoe with a damp cloth. Source: Associated Content
  • Polish Gems and Metal RD.com and www.geocities.com/remedypage/20uses/ describe how toothpaste can be used as a makeshift polisher for silver, jewelry, the sink, and other kitchen appliances.
  • Zit Medicine.Lastly, there is the infamous toothpaste tip. It’s the night before the prom and a huge zit is on your chin. Before you panic, apply some non-gel toothpaste, which will dehydrate the pimple and absorb the oil. However, if one has sensitive skin, I wouldn’t recommend this. Personal note from the editor: This tip works, but I (Sharon) only recommend it during the day. The toothpaste worked on my pimple, but attracted an ant or two while I slept. Horrible.

Editor's Note: This report--with my edits-- was prepared by the new Frugal Duchess Intern Maya Jaffe, a talented journalism student. Welcome Maya!

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