Nix It or Fix It: How to Save Stuff from Landfills

"Fix it or nix it — Can you save it from the landfill?" That's the question (with frugal money-saving, green-living options) from the Center for New American Dream:


Their Answer:
Yes, if it's still useful for you or someone else (either whole or in parts). Sometimes, however, a newer product would be more efficient or cost-saving in the long run.

Many of our belongings end up in the trash prematurely. Get more information on green repairs around your home, and share your repair ideas with us on the Living Green Below Your Means blog.

Fix or Nix Examples:


Appliances: Find out how much energy you’ll save from replacing with an Energy Star efficient model. Put your old refrigerator to the test (and find recycling centers).


Ipods: These handy devices are frequently replaced when they break or become obsolete. The good news is you can send off your Ipod to be fixed, send it in to a takeback program, or use do-it-yourself tutorials to troubleshoot common problems.


Shoes: Find how to resole them, donate them, or repurpose them."

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Here's how to buy my new book:

@ Amazon.com
@ Barnes & Noble
@ Borders
@ Target.com

Refund Demand: Cereal Lacked Berries!

My friend M.R. demanded a rebate! Her cereal -- Special K with red berries -- failed to deliver enough berries. After opening the box, she had a hard time finding any fruit.

Mixed in with the cereal, she counted only eight berries. Given the high cost of food prices, why settle for less than you are due. (We're all on tight budgets!) Based on that argument, M.R. -- a frugal gal -- called the company and spoke to a customer-service rep. As a result of that conversation, M.R. received a refund (a coupon for a free box of Special K). She was impressed with how the customer-service rep handled the situation.

How to Complain

M.R. followed a perfect map for filing a successful complaint. It's a strategy that I've used also.

• Define and Document your problem. M.R. counted the berries and used the actual number to give her complaint more validity.
  
• Look for the manufacturer's number: Frequently, the makers of a product are very willing to provide refunds or replacements for shoddy, inadequate or damaged merchandise. They want your return business and will take extra steps to make you happy. Look for the toll-free number on the package.


• Politely explain your problem: Respect, honesty and a calm tone will help you get your money back. In contrast, customer-service reps will be less willing to send you free coupons or a rebate if you are abusive on the phone.

Related Links:

Fine Whines: Crafting Complaints

Appealing to a Higher Shopping Power: Call the Manager

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Here's how to buy my new book:

@ Amazon.com
@ Barnes & Noble
@ Borders
@ Target.com

Need a Second Job? Ideas & Strategies For Extra Money

Bartender? Seamstress? Tutor? Retail clerk? Those are a few of the second job ideas from CCCS that caught my eye. Here's the release:

'Katie Kozub of Cleveland, Ohio , earns extra income by bartending two nights a week. The flexibility allows her to spend time with family and she is able to pick the nights she works. Working parties and special events earn Katie more money. "The time goes by fast, you meet nice people, and it is a great way to earn extra money," said Kozub.

Kozub says each shift lasts three to five hours. "I earn a minimum of $120 extra, which is actually on the low end," she says. "The place is a nice bar connected to a restaurant and catering room, and is about 1 mile from my house. I have the option to work parties in the catering room, which brings me anything from $150 to $300 extra."


A second job can provide the income to make ends meet, jump start an emergency savings account, help reduce or eliminate debt, or provide the foundation for long-term goals, such as a child's college education or retirement.

Clients of CCCS offer their second job ideas to help consumers:

Use your talents - Take in sewing projects, tutor local students in math or other subjects, or use your love of cooking to make extra money. Offer to cook for co-workers for a fee or find a local construction site and seek permission to sell plates of food to employees. If you are an animal lover, offer dog walking or pet sitting services in your neighborhood.

Love the outdoors? - Make up and distribute a flyer offering to mow lawns in your neighborhood. If you are a sports lover, train to serve as an umpire or official at youth sporting events in your community. One CCCS client suggested stenciling house numbers on the curb for extra money. He suggests putting out a flyer and asking people to hang the flyer on their door on the day you will return. You can stencil even if they are not home and come back and collect payment. At $10 per house, you can easily earn $100 or more on a weekend morning.

Clean up at night and on the weekends - Many cleaning services have flexible evening and weekend hours for people interested in cleaning office buildings. If you prefer working for yourself, you might consider looking for a few clients and striking out on your own.

Retail flexibility and more - Retail work offers lots of flexibility for people who already have another job. You can look for work in merchandising, where you restock shelves after normal hours. Many inventory companies also use temporary and part time employees to conduct regular inventories of grocery stores and other retail outlets.

Love to shop? - Use your love of shopping as a mystery shopper or as a critic for movies, restaurants, or retail stores. Shoppers might also consider a second job at their favorite retailer. The discounts for staff at many clothing and other retailers can be considerable. Be careful that you don't spend your entire paycheck and more shopping for things you don't really need.

Benefit from the barter system - If you pay gym fees, perhaps you can get them waived by working a night or two a week at the front desk. Have lots of pets? Working at a veterinary clinic might get you discounted services for your furry friends.

Sell, sell, sell - Many clients offered stories about earning extra money by selling items on Ebay. Some seek items at local yard sales and shops to resell at a profit; others clean out items from their home. One family sells their used clothes to earn money for new clothes.

Go Green - Recycling can earn you extra money and you don't have to go dumpster diving to collect aluminum cans. Simply set up recycling boxes at your office and collect cans to be taken to the local recycling plant.

Work at home programs - Many jobs can be done from the comfort of your own home. Data entry, transcription services, billing, telemarketing, and data collection are all jobs that offer flexible hours and provide opportunities to earn extra income. When looking for jobs you can do from home, beware of programs that require you to pay a fee-they are not likely legitimate. Talk with friends and family members about opportunities they might know about for you to do projects from home.

Seek seasonal work - Whether it's working for a tax preparer in the spring or a retailer in November and December, seasonal work opportunities abound. These provide great opportunities to earn extra money without making a long term commitment to a second job.

Be creative - One client reported renting out driveway space to a neighbor that had too many vehicles. Others run errands for local seniors and provide babysitting services to families.

As economic challenges continue to loom, consumers are seeing food, fuel, and living expenses increase. Everything is on the rise-everything except incomes. "Salaries don't go as far as they used to for most families," said Jessica Cecere, president of Consumer Credit Counseling Service (CCCS) of Palm Beach County and the Treasure Coast. "Many are only a paycheck or two away from financial disaster."

source: CCCS

What Would You Do With a $5,000 Bonus? A Friend Seeks Advice

A friend of mine recently received a $5,000 bonus for coming up with a money-saving idea that will save her employer $10,000 a year. Coming up with the idea -- a plan for cutting direct mail costs -- was easy. (She's smart and resourceful.) But finding a way to use the money is becoming more of a challenge and even sparking a small disagreement with a close relative.

After taxes, she had about $3,000 in cash. So far, she has used the proceeds to buy perfume, a replacement ring for her husband, a bottle of perfume and a restaurant meal. The rest: She plans to save for a house. She and her husband are newlyweds. And once the housing market settles down, they plan to purchase their first home.

I think she has a great plan for her found money: a little bit of splurging and a lot of saving. And I told her so. But an older relatives, however, has different ideas and is urging my friend to take the found money and find some big-fun: A blow-out trip or some other big-ticket purchase to celebrate the unexpected cash.

What do you think? Do you have advice for my friend? How would you spend extra money? By the way, she's current on all of her bills and very frugal.
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Beat the $600 Average for School Shopping: CCCS Tips

These are helpful school supply shopping tips from CCCS:

'According to the National Retail Federation, families will spend $594.24 on back to school purchases, compared to $563.49 last year.

"Families can expect to see rising costs on everything from uniforms and school clothes to supplies for their child and the classroom," said Jessica Cecere, president of Consumer Credit Counseling Service (CCCS) of Palm Beach County and the Treasure Coast. "Advanced planning, careful shopping and a little research can go a long way in helping you stay within your budget."

• Make a budget and stick to it: Decide how much you will spend on school supplies ahead of time and, if possible, set aside the cash to avoid overspending. Use school shopping as an opportunity to teach your child about making choices by giving them a set spending amount to purchase some of the items they will need. They will learn that if they want the special folders, they may need to forego the fancy markers.
• Take inventory: Begin with a list of all back-to-school needs and expenses including supplies, equipment, clothing, and fees for sports, music and science labs. Next, check around the house for what your family already owns. Look for and reuse calculators, rulers, pencil sharpeners and anything else that is still in working condition. Last year's backpack may be just what is needed to start the new school year. In fact, wait just a few weeks after school starts and many backpacks and other accessories will be on sale for a fraction of the original price. Most students will not need entirely new wardrobes-just fill in the gaps with a few new outfits or uniform pieces. Well-maintained musical instruments and sports equipment are considerably less expensive than new ones.
• Plan your shopping: With gas prices at record levels, it may not pay to go to several stores to save a few cents on school supplies. Check the newspaper and online ads and map out your shopping plan to maximize you savings and stay within your budget.
• Shop at school: Many schools offer pre-packaged school supplies for students. Often coordinated by the PTA as a fundraiser, families can purchase supply packs from the school at costs comparable to what you would pay at a retailer. You will save time and gas by not having to shop, and your child's supplies will be waiting for them on the first day of school.
• Shop online and at discount retailers: Several national office supply stores are offering good online prices for school supplies. Look for free or inexpensive delivery. Outlet stores, big box stores and discount chains can save you money on uniforms and other school supplies. Check out your neighborhood consignment shops and thrift stores too. Some have designated space for school uniforms and you may get some great bargains."

Source: Consumer Credit Counseling Service (CCCS)

Queercents: How to Stretch Your Food Dollars

Ten tactics to stretch your food dollar! That's a new weekly series from Queercents, a personal finance blog. Topics include: "Don't Throw It Away: How to Properly Store Food So You Don't Waste Money,"
Here's a link to recent posts in the series. Written by Serena Freewomyn, the posts offers simple tips for making your food budget more flexible. Here's a preview of topics:

• Making Your Food Dollar Stretch: Rethinking Meat
• Amazing Grains: Getting More Bang For Your Buck
• Eat Your Broccoli: How Nutrient Rich Veggies Can Save You Money

Queercents is a personal finance blog serving the lesbian, gay, bisexual and transgender (LGBT) community. The author of the series is an expert in food. Here's her bio:

Freewomyn has a degree in Women’s Studies from Arizona State University and attends the Le Cordon Bleu’s Culinary Management Program at Scottsdale Culinary Institute. A proponent of the “buy local” lifestyle, Freewomyn writes about her love of fresh produce, “I think the movement towards decentralized food is wonderful. It’s good for the environment and it reduces the factor of increased fuel costs that are driving up food prices. But the best part is that local produce just tastes better.”

Save $5 Bills & Other Favorite Links

Can you really save $12,000 by collecting $5 bills? One blogger successfully saved money with that strategy. That post and a few others caught my eye over the last week:

From Free Money Finance: Unusual Saving Method Nets $12k
(tip: save $5 bills!)

From Frugal Freedom: Stop Fighting Mother Nature-Go Native
(tip: save water, save money by purchasing native plants.)


From Wise Bread: Should your standard of living rise?
(main pt: the link between money & happiness.)


From Adult ADD And Money - 'Copy This! How I Turned Dyslexia, ADHD, and 100 Square Feet Into a Company Called Kinko's'
(tip: our faults can pay off!)

From Chief Family Officer: Drugstore Game Tip #1: Set up a reminder for rebates
(tip: organization helps you cash in on rebates.)

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Welcome NBC 4 (D.C.) Viewers

The topic of back-to-school sales was discussed during a recent morning show segment in which I appeared. Thank you to the production and anchor team at WRC-TV NBC 4 in Washington, D.C, which provided space and time for a fun discussion about frugal living.

Here's a link to the video.

Welcome to viewers from NBC 4 and special thanks to producer Natasha Copeland and anchorman Joe Krebs.

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Can We Skip Back-to-School Shopping? 3 Reasons to Cut Spending

It's a ritual. Back-to-school shopping is an annual event that costs us millions of dollars each year. But is it really necessary? Do we really need to buy so much stuff? Here are three reasons to cut or delay back-to-school spending:

1) Overstuffed backpacks. Over the years, I have purchased rulers, glue sticks, scientific calculators, compasses, notebooks and markers that my kids have barely used. In some cases, the items are not touched during the school year. That's because not every item on the back-to-school shopping list is really used or needed. My new strategy: Wait until the item is really needed for classroom assignments. Talk to other parents and teachers about what supplies are essential. I've actually had some parents warn me that one or another teacher will ask for supplies that are never really used. Or we've purchased items that kids could have easily shared across the aisles.

2) Shop at home. In May or June, kids come home with school supplies that may still be in good shape. Take inventory before you go out and buy a new box of markers, crayons or notebooks. You may have ample supplies in your own cupboard.

3) Wait for the fall clearance sales. Why buy a full wardrobe of fall clothing in August or September? Wait until the shopping rush is over and purchase fall clothing at a discount. Send the kids back to school in light-weight (summer) clothing that is super cheap now. If your kids wear uniforms, look for used or hand-me down uniforms. Some schools have a stock of gently used uniforms that are free or super cheap.

They Retired My Brown Bag & Still Gave Me the Rebate

Is there an expiration date on a brown paper bag? I'm not sure, but a cashier at a local market decided that my brown paper bag needed to be permanently checked out. To save money, I often bring my own paper bags to the store. The payoff: I receive a 10-cent, per-bag rebate. On a typical shopping trip, I've saved 10 to 30 cents by providing my own bags. I wrote about bag rebates in this post: Saving 10 Cents at the Grocery Store.

One bag had been through the checkout line several times. Signs of wear-and-tear were obvious. One of the paper handles was ripped and the bag was so worn that the paper felt like soft cotton. On the bag's final trip, the cashier shook her head and the lady behind me studied my bag with admiration.


"Now that's recycling," she announced, while laughing.


The cashier retired the bag, threw it into the trash and bagged my items in a new, crisp brown bag. The best part: I still received the dime rebate. But the whole episode made me think about the process of recycling. These are my questions:



1) How long can you recycle an item before the process becomes a) gross, b) unsafe or c)pointless?



2) Do aesthetics matter? Should the physical appearance of a shopping bag, bottle or container be a factor in our efforts to repeatedly use an item?



3) Should we care about public opinion? My beat-up paper bag could be viewed by others as either ridiculous or as a badge of honor. But why did I care about the cashier's opinion? Did it really matter that other people in line laughed at me?


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Time to Earn More & Other Posts: My Weekly Roundup

Here's a list of my favorite posts for the week:

From Think Your Way to Wealth: Why Making More Money Trumps Spending Less in the End

From Broke-Ass Student: Is Your Money Safe In The Bank?


From AllFinancialMatters: If You’re Going to Pay Extra on a Loan, Do it Sooner Rather Than Later

From The Simple Dollar: Why I’m Not Panicking - And You Shouldn’t, Either

From The Budget Fashionista: Eco-Friendly Dresses at eDressme.com

From This Writer's Wallet: Introducing… the College Money Network!




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The Frugal Duchess Booktique
The Frugal Duchess of Beauty Store

Book Shop of Fear
The Poetry & Drama Queen
Frugal Jazz & Blues
Frugal Comic Book Connection
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Everyday Expenses & Housing Costs Ate Stimulus Checks

How did consumers spend federal stimulus payments? Basic expenses ate a big chunk, according to this poll from CCCS:


"Approximately $106.7 billion in stimulus payments will be made this year to 130 million households. The payments began on April 28 and are scheduled to be completed by mid-July. Rather than spend funds on new purchases, the survey also shows that some Americans are using the stimulus checks to make additional payments on their mortgage, car or other loans, and others are using the funds for home repairs.

A survey of 3,004 persons across the United States who receive financial counseling from a national nonprofit agency found that 29.4% used funds from their tax stimulus check to pay for everyday expenses, such as food and gasoline, while 20% said they paid down their credit card debt.

In addition, almost 5% of those surveyed said they utilized the funds to help them prevent foreclosure of their home or avoid bankruptcy. An additional 7.5% said the funds "give some more time to organize their finances and possibly avoid" these two scenarios.

In response to the question, "If you are facing foreclosure, will this check help you avoid foreclosure?" 3.5% responded "yes." An additional 5.1% of those surveyed, said the stimulus payment "gives some more time to organize finances and possibly avoid foreclosure."

Approximately 1.4% surveyed, said the funds would help them avoid bankruptcy, while 2.4% said the funds will allow them more time to organize their finances and possibly avoid bankruptcy.

The survey was conducted in late June by Consumer Credit Counseling Service (CCCS) of Palm Beach County and the Treasure Coast, which is part of a family of nonprofit agencies that provides credit counseling, as well as counseling to prevent foreclosure and avoid bankruptcy, to people in all 50 states. Of the 3,004 responding to the survey, 2,147 had received their check from the federal government.

"Many Americans are using the federal stimulus checks to help them get by and pay for everyday expenses," said Jessica Cecere, president of CCCS. "The extra money is providing them breathing room with their creditors, including those who want to avoid foreclosure and keep their homes."

Here are other findings:

• 7.8% said they would use the funds to make an additional payment on their mortgage;
  
• 9% said they would make an additional payment on another debt, such as a car payment or a student loan;
  
• Approximately 5.6% of respondents said the funds will be used to make home repairs;
  
• 2.5% said they would use the funds to pre-pay their property or income taxes for 2008.
  

Other survey findings include:
Approximately 82% of the people surveyed said they plan to save 20% or less of the tax stimulus funds they receive.

Asked to rate the state of their current financial situation on a scale of 1 to 10, with 1 being the "most stressful," about 33.6% of respondents rated their situation a "1."

When asked, "What is your confidence level in the economy six months from now," 66% expect it to worsen and only 11% expect it to improve. The remaining people surveyed expect the economy to remain the same."

source: CCCS

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Welcome to Wise Bread Readers & Viewers from NBC-6, CBS 4/33 and Plum TV

Special thanks to Wise Bread and to writer Myscha Theriault for reviewing my book in a recent post. Here's the link to her review. If you are visiting my blog from Wise Bread: Welcome and please look around at the various posts.

Also welcome to television viewers from South Florida Today, where I was interviewed by anchor/reporter Trina Robinson. Here's a short description of the segment on NBC6 South Florida Today, which aired July 8, 2008

Thanks to Trina Robinson and producers of that show.

Here are links to other recent videos:

CBS4 Jim & Jade In the Morning on MY33 -- segment aired July 7, 2008

Special thanks to: anchors Jim Berry and Jade Alexander, who interviewed me. Thanks to the producers.

Plum TV - DayBreak Miami Beach. Thanks to production and anchor team at Plum TV

Special Thanks to Galena Mosovich Public Relations

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OK, OK: A Whine-Free, Turning-50 Birthday List: Frugal and Grateful

Did my turning-50 birthday "wish-list" sound like a complaint list? So sorry! It could easily be read as "50 Reasons to Whine" or "50 Things Missing From My Life." Hmmm!?! In fact, fellow blogger Father Sez left this comment:

"Happy Birthday, Duchess. You have not listed the 5,000 things you are grateful that you already have."


Thank you, Father Sez: I have, at least 5,000 reasons to be grateful, including my children. So here's the flip side of the birthday list.

1. Original: Good health and the continued good health of my loved ones

Grateful spin: I'm grateful for my good health and for the good health of those that I love. I can see, hear, jump, dance and write. I feel blessed.

2. A spa date at the Ritz-Carlton in Key Biscayne

I recently attended a business retreat at the Ritz-Carlton in Key Biscayne. After the formal workshop sessions, we were offered free chair massages, manicures or pedicures and a free makeover. I left the event feeling great and looking great.

3. Financial security

Due to new opportunities, including a full-time job with a non-profit organization, my personal finance outlook has improved. I've also started other initiatives that will help. I'm grateful for those opportunities.

4. Lower gas prices

The recent spike in gas prices has prompted us to talk more about public transportation, conservation and fuel-efficient cars. That's a side benefit.

5. More funding for public transportation and education

I am grateful that I have the right to vote and to lobby for community programs that benefit all. And as public transportation becomes more popular, more voters will support funding for mass transit.

6. Sailing lessons and a sailboat

I am grateful that I have friends with boats. I'm grateful that it's very affordable to rent a boat for the day through some of our public or private marine clubs and centers.

7. Peace & forgiveness from anyone I've upset, angered, annoyed, hurt...

Working on this and I'm grateful.

8. Daily yoga classes with my favorite trainers

There are several low-cost yoga classes offered in many neighborhoods. These resources include: community centers, public gardens, hospitals and area schools. There are also free exercise tapes available through the public library.

9. World peace

I can start by making peace in personal areas of conflict.

10. Hot, sweet Cuban coffee with cream every morning: A cortadito!

We make great coffee at home. Nearby markets sell Cuban coffee for 50 cents to $1.29 a serving and I'm grateful for delicious cheap coffee.

11. Time to see every game, play or after-school event featuring my children

I have been blessed to attend sooo many games. I'm grateful for every rebound, song and dramatic speech I've witnessed my children deliver. I'm grateful that I have children. I'm grateful that I have work-commitments that often take me away from my children because the money earned supports my family. I'm grateful that my new employer has very family-friendly policies.

12. Season tickets to Miami Heat games

There are super cheap tickets for $10-12 each. It's also great to listen to a basketball game on the radio or to watch a game at a sports bar with my sons. Additionally, I am grateful to friends who have "gifted" us with game seats from time to time.

13. Enough time and discipline to answer all comments on my blog --Time to write more posts and articles

I'm grateful to be blogging here and now. As my time-management skills improve, I will find more time to write.

14. Funds to pay back my parents for all of the support they have given to me and my children over the years.

I'm working on this. Meanwhile, I'm so grateful for their support and the support of my siblings.

15. More time to resume my (MFA) graduate-degree studies

It's never too late to earn a graduate degree. I'm so grateful for the semester that I spent reading and writing papers for a graduate program. And if I don't earn my degree until I'm 60 or 70, that's fine.

16. Makeup/cosmetics without preservatives and other harmful chemicals

Read the labels. Do your homework and don't spend money on products that could compromise your health. Thankfully there are websites and information about harmful cosmetics. More companies are also creating organic lines of personal care products.

17. An afternoon with Toni Morrison, Angela Davis and Oprah

I'm grateful for the Internet, which provides me with virtual mentoring sessions with those women and others.

18. Great sales for my book: The Frugal Duchess: How to Live Well & Save.

The book party at Books & Books in Miami Beach was a success. Over 150 people showed up and I signed books for two hours. I'm grateful for every sale and I'm glad that my family and friends have purchased so many copies of my book.

19. Enough money to fund parenting workshops for teenage mothers

There are so many community programs that offer this service. Why not write a check? Even a small donation will help.

20. A new battery for my laptop

Order a darn battery and stop complaining.

21. A complete collection of Sex and the City -- I just started watching that HBO series

Order, borrow or check out clips on YouTube.

22. A copy of every movie adapted from a Jane Austen novel

I'm grateful for the library and the video store. I also enjoy all of the fan literary sites that offer creative versions and updates of Jane Austen tales.

23. To be debt-free

There are so many resources online, in the bookstore and in the personal finance network. Make a plan and stick to it.

24. Defensive driving lessons and the courage to finally start driving

I'm grateful for public transportation. I'm grateful that I have so many friends who drive.

25. A trust fund to launch a national billboard campaign in support of public transportation

During recent television and radio interviews, I've mentioned public transportation. I'm grateful for the opportunities.

26. A financial planning session with Warren Buffett

Go online. Use the Internet. Virtual mentoring is wonderful.

27. My own Frugal Duchess show on YouTube.

Don't complain. Don't wish. Just shoot, point and talk.

28. Teflon skin

Whatever.

29. Enough money to adopt or support at least five more children.

Start saving and be grateful for the children you have.

30. A weekly facial date.

I'm grateful that I have inherited great skin from my parents. The Internet has great resources for do-it-yourself facials and home spas.

31. To become very skilled at giving myself a french manicure

Thankfully, there are wonderful kits on the market. Invest and practise.

32. To be a better speller and proof-reader

I'm grateful: My new job forces me to be more detail-oriented. I'm learning to pay better attention. And thank goodness for spellcheck functions!

33. To be more patient with myself and others

Okay. It's a process.

34. To allocate 10 minutes a day for meditation, no matter how busy

I'm grateful for the daily planning programs on my computer. I will add meditation to the action plan.

35. To become a third-degree black belt in karate

I'm grateful for my limited martial arts training and I'm grateful for my newfound self-honesty, which prompts me to ask: Do you really want to spar, break boards and kick someone in the jaw? Do you really want to be a target?

Try tai-chi. Just chill out and forget the competitive parts of martial arts.

36. T0 get seven hours of sleep each night

Thank Goodness for Shabbas! During the weekly Sabbath, I nap a lot on Saturday afternoons. Also: I'm grateful that work and other creative opportunities keep me up late at night during the rest of the week.

37. To keep my house neater

I'm working on this.

38. To take a cruise to Alaska

Thank goodness for the Caribbean cruise I took two years ago with my parents and extended family to celebrate my mom's 70th birthday.

39. To let go of anger, depression and fear

I'm working on this. Thankfully.

40. To invest in stress-reduction classes

Ditto.

41. To be better about sending out thank-you notes

Thankfully, I recognize that this is a problem and I have been better about saying: Thank You!

42. To be completely honest with myself

Ditto.

43. To be better and quicker at detecting the big and small lies I tell myself

Ditto.

44. To be kinder to others

Working on this!

45. To eat ice cream every day without worrying about my weight

I'm grateful that ice cream remains a special treat. I'm grateful that I am no longer super skinny. I am grateful for size inflation because although I have gained 25 pounds since my twenties, (jumping to 115 pounds from 90 pounds), I still wear the same clothing size.

46. To have more children in my life.

I'm grateful for all of the children who are already in my life. I'm blessed.

47. To be more appreciative.

Grateful that I recognize this as a fault. Grateful to all who have pointed out this fault.

48. To bake my own bread and eat only organic food.

Grateful to have the resources to buy organic food. (I shop the sales.) I'm grateful to friends who have offered to bake bread with me.

49. To learn a few ballroom dances

Grateful for all of the times that I have waltzed with my dad. Grateful for all of the times I have danced around the house with my children.

50. To earn a spot on American Gladiator or Dancing With the Stars

Do I really want Crush to whip my butt on the Pyramid? Do I really want Helga to tackle me?

I don't think so. I'm grateful for the Internet, which enables me to watch some of my favorite shows online.

And if you've read this far: I'm grateful to you for listening to me.

Thank You!

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50 Wishes for My 50th Birthday

My 50th Birthday is Friday, July 11 and I'm assembling a wish list, including:

1. Good health and the continued good health of my loved ones

2. A spa date at the Ritz-Carlton in Key Biscayne

3. Financial security

4. Lower gas prices

5. More funding for public transportation and education

6. Sailing lessons and a sailboat

7. Peace & forgiveness from anyone I've upset, angered, annoyed, hurt...

8. Daily yoga classes with my favorite trainers

9. World peace

10. Hot, sweet Cuban coffee with cream every morning: A cortadito!

11. Time to see every game, play or after-school event featuring my children

12. Season tickets to Miami Heat games

13. Enough time and discipline to answer all comments on my blog --Time to write more posts and articles

14. Funds to pay back my parents for all of the support they have given to me and my children over the years.

15. More time to resume my (MFA) graduate-degree studies

16. Makeup/cosmetics without preservatives and other harmful chemicals

17. An afternoon with Toni Morrison, Angela Davis and Oprah

18. Great sales for my book: The Frugal Duchess: How to Live Well & Save.

19. Enough money to fund parenting workshops for teenage mothers

20. A new battery for my laptop

21. A complete collection of Sex and the City -- I just started watching that HBO series

22. A copy of every movie adapted from a Jane Austen novel

23. To be debt-free

24. Defensive driving lessons and the courage to finally start driving

25. A trust fund to launch a national billboard campaign in support of public transportation

26. A financial planning session with Warren Buffett

27. My own Frugal Duchess show on YouTube.

28. Teflon skin

29. Enough money to adopt or support at least five more children.

30. A weekly facial date.

31. To become very skilled at giving myself a french manicure

32. To be a better speller and proof-reader

33. To be more patient with myself and others

34. To allocate 10 minutes a day for meditation, no matter how busy

35. To become a third-degree black belt in karate

36. Te get seven hours of sleep each night

37. To keep my house neater

38. To take a cruise to Alaska

39. To let go of anger, depression and fear

40. To invest in stress-reduction classes

41. To be better about sending out thank-you notes

42. To be completely honest with myself

43. To be better and quicker at detecting the big and small lies I tell myself

44. To be kinder to others

45. To eat ice cream every day without worrying about my weight

46. To have more children in my life.

47. To be more appreciative.

48. To bake my own bread and eat only organic food.

49. To learn a few ballroom dances

50. To earn a spot on American Gladiator or Dancing With the Stars

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Ask Your Boss to Underwrite a Bus Pass and Save $1,200 a Year

A friend of mine has found a way to shave at least $1,200 a year from her commuting costs. She now takes the bus and train to work, and her employer is underwriting a large portion of the fare.

Even if she paid full fare for public transportation, my friend would have saved plenty on her daily commute based on gas prices and maintenance costs for her car. But with her employer underwriting 50 percent of the monthly bus/train pass, her savings are greater.

Ask if your employer offers a discount on monthly passes or tokens for public transportation. Here's how one program works in my area: More businesses subsidizing Transit for employees.

In South Florida and other regions of the country, many employers are providing discounted commuter passes for buses and trains. The South Florida Regional Transportation Authority, which operates a tri-county commuter train in my area, provided me with the following comment about the recent spike in employer-sponsored transit passes:

"In June 2008, Tri-Rail’s Employer Discount Program signed on 1,233 new members and 118 new employers – a record ever since the inception of the program in 1992."

For years, I've traveled by bus and train. In a previous post, I featured my tips for traveling on public transportation: Excuse me, May I Sit Next to You? 6 Tips for Traveling on a Crowded Bus or Train

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I've written a book: a financial memoir with money-saving tips. Here's how you can buy my new book:
@ Amazon.com @ Barnes & Noble @ Borders @ Target.com

How I Failed to Land $22 Round-trip Tickets to DC

Drrr! For several hours last week, I was grounded in cyberspace as I tried to tap into super cheap tickets from Fort Lauderdale to Miami via Spirit Airlines. It was a sweet price: only $11.11 each way, with a list of restrictions and added costs.

I needed five round-trip tickets for a Frugal Duchess book signing party at Georgetown University on July 17th (6-9 p.m.) at the Alumni House at the corner of 36th & "O" Streets in Washington D.C. We're making a family trip of the event and I wanted to take my kids on a tour of GU, where I attended school from 1976-1980.

When I did the math, I figured that we could all fly on Spirit for under $200 with the special price, excluding extra fees for luggage, tax and breathing space. Ha!

No luck. My fingers were busy clicking, tapping and typing, but I was not able to land those cheap flights. The best deal I found was about $200 round-trip or just over $1,000 for all five tickets. My mother thinks that it was a bait-and-switch scenario and the $11 tickets were just a lure.

I'm not sure. I plan to call the company and get some answers. Meanwhile, the latest promo of discounts touts $48 and $24 savings off each ticket.

Here's the link and I wonder if other travelers have better luck.

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Here's how to buy my new book:

@ Amazon.com
@ Barnes & Noble
@ Borders
@ Target.com

ADD & Money Management: Weekly Roundup of Favorite Posts

Attention Deficit Disorder, ADD, can have different effects on our lives and money. Due to fatigue, multitasking, overwork, hormones or other biological causes, many of us have varying degrees of ADD.

What's the impact of ADD on our finances? This post explores that issue: From Adult ADD And Money: Six Overlooked Reasons why you are struggling with your finances: Reason #6 - System Failure

Here are other posts that caught my disordered attention this week:

From The Simple Dollar: Seven Websites That Saved Me Money in the Last Week

From MoneyChangesThings: Meat as a Treat, not an Entitlement

From The Digerati Life: Lose Weight While Spending Less on Food and Exercise

From My Two Dollars Rice is Nice..And Cheap!

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Saving 10 Cents at the Grocery Store

It wasn't a big deal and I'm not going to get rich by saving dimes or brown bags. But I save at least 10 cents with every trip to an area grocery store (Whole Foods Market) that provides instant rebates when you recycle grocery bags.

Here's the deal: When you bring in your own shopping bags, you'll receive a 10-cent rebate for each bag that is used to package your groceries.

This BYOB policy applies to any bag, including the store's own brown paper bags or reusable cloth sacks. For my shopping trips, I have a rotating supply of brown paper bags and on a typical shopping trip, I earn rebates of 10 to 30 cents.

Those small amounts have made a big difference on two occasions, when my grocery bill was pennies above the cash in my hand. In the long run, every little bit counts, especially when it comes to the environment and my pocketbook.

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Here's how to buy my new book:

@ Amazon.com

@ Barnes & Noble

@ Borders

@ Target.com

My Favorite Posts: Weekly Roundup

From toilet paper to cheap gas, there was a lot to read in the world of personal finance. Here are a few posts that caught my eye during the past week:

From Chief Family Officer: My toilet paper/paper towel dilemma: what I ended up doing & what I learned

From Five Cent Nickel: The Hidden Costs of Renting a Car

From The Simple Dollar: No Time for Frugality: Cutting Financial Corners with No Time Investment

From Frugal Zeitgeist: Next time you think you hate your job. . .

From Boston Gal's Open Wallet: This summer's hot trend: Cutting back on energy use

From Consumerist: Buy Super-Cheap Costco Gas Without Costco Membership [How To]

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Here's how to buy my new book:

@ Amazon.com

@ Barnes & Noble

@ Borders

@ Target.com

Survey Says: $5 Gas by Labor Day

This news release about spiking gas prices --$5 by Labor Day-- caught my attention. Why? In January this organization correctly predicted that gas prices would spike to $4 a gas by the summer season:

"Most Americans now expect gasoline prices to hit $5 by Labor Day and favor bold energy- and climate-related fixes, according to a new national opinion survey conducted by Opinion Research Corporation (ORC) for the nonprofit and nonpartisan Civil Society Institute (CSI) think tank and its Citizens Lead for Energy Action Now (CLEAN) project (www.cleanenergyaction.net).

In another finding, energy prices have jumped substantially since January 2008 as the top worry of Americans – ahead of fears of joblessness, recession/economic downturn, and the mortgage foreclosure crisis.

For the first time, the CSI survey finds that a majority of Americans are now more likely to buy a hybrid or other fuel-efficient vehicle than they were six months ago.

The new CSI/CLEAN survey looks ahead to expectations about Labor Day 2008, gauges the level of anger among Americans about today’s gasoline prices, and assesses how gas prices/energy policy will impact the thinking of voters this year.

In an earlier January 2008 ORC survey conducted for CSI/CLEAN, 71 percent of Americans correctly forecast that gasoline prices would hit $4 by this summer."


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Excuse me, May I Sit Next to You? 6 Tips for Traveling on a Crowded Bus or Train

For years I've traveled around Miami using public transportation. And until a few weeks ago, many people -- including a few friends -- thought I was odd to navigate without a car. That's because in car-crazy Miami, public transportation was reserved for the homeless, the disenfranchised and former New Yorkers like me.

And for the last 14 years, I've traveled comfortably on the buses and trains routed through South Florida. I've commuted in style, with very little company. During a typical commute, I could move to a different seat at each stop and never bump into anyone.

That's changed. With gas prices spiking beyond $4 a gallon, I now have a lot of company on local trains. Here's a local story about the huge growth in ridership on a commuter train in South Florida.

I'm grateful for the company, and I offer these tips for novice riders on public transportation:

• 1. Bring reading material. Get extra mileage out of your commute by bringing a book, a magazine or some other text that can be easily folded. Think compact.


• 2. Keep the laptop in its case. A bus stop or a train seat is not the best place to whip out high-tech, big-ticket gadgets. Don't make yourself a tempting target.


• 3. Ask about discount plans. Some companies subsidize monthly passes for employees who travel on public transportation. Transit systems also offer a variety of discount programs. Ask!


• 4. Go audio: Bring along recorded music, books on tapes, language lessons or recorded self-help classes. Learn as you go!


• 5. Be patient: Buses break down; trains get derailed. Leave enough time for mishaps and then just let go and sit back. Getting uptight about delays will not make the train or bus move faster.

And finally: # 6. Know your timetables. Research routes and schedules. It's a real bummer to arrive at the bus stop or train station two minutes after the vehicle has pulled out. You'll save time and (personal) energy by doing your homework. Many public transit systems offer free trip-planning services -- via phone or online -- that will help you map out your commute. Inquire about printed schedules and maps.

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Contest -- Wanted: Crazy Gas Stories for WLRN Radio Broadcast

Do you have a crazy gas story to share? How are you cutting back on gas consumption? The top three energy-saving stories will win a signed copy of my new book The Frugal Duchess: How to Live Well and Save, which was just released from DPL Press.

I'll announce the winning entries on WLRN, an NPR station, where I have been invited me to appear on Topical Currents on Wednesday, June 25 from 1-2 p.m. (EST). Hosted by Joseph Cooper, with Richard Ives as the producer, the program includes live phone calls and email questions. We'll also take a behind-the-scenes tour of my new book, which is part memoir and part how-to.

To enter the contest, send me an e-mail by 11:59 p.m. on Tuesday, June 24. I'll announce the winning entries on Topical Currents. I'm looking for creative stories with humor and concrete savings.

Tune in anywhere: Hit the "listen now" button on WLRN's website (http://www.wlrn.org/). If you're in the Miami area turn the station to 91.3 FM on the radio dial.

Leave a comment or send an email (sharonhr@bellsouth.net). Time permitting, I'll mention as many tips as possible, with credit. Thanks & Tune in.

My Free WiFi Comments on CBS4

With my roaming laptop, I've tapped into a number of free WiFi locations. My favorite temporary-office locations include the Dunkin Donuts shop in my neighborhood, a Whole Foods grocery store in Coral Gables, area malls and airports. The following website -- www.wififreespot.com -- is great for tracking down free wireless connections in different states and cities.

My hunt for free wireless Internet connections was recently featured on CBS4 in Miami. This television report -- with a few warnings about Internet safety -- ran on June 21.

Here's a link to the report, which includes a print version and an online link to the news report. The news clip appears in the little video box next to the print version story. Click on the box, and the story will appear after a short 15-second commercial:

"Free Wi-Fi Just A Click Away CBS 4 - Miami,FL"

I'm grateful to consumer reporter Al Sunshine for including me in his news report. Special thanks to Donna Thomas, special projects producer, and John DuMontelle, news photographer. Thanks!

The Gas Pump Edition - Weekly Reading - My Favorite Links

The rise in gas prices and solutions to the pump-driven cash crunch are the themes of my latest weekly roundup. Here are a few posts on the subject of gas prices that caught my eye:

From Monroe on a Budget: AP: High gas prices change lawn mower habits and MonroeTalkers: praying at the pump story

From Single Ma's Fabulous Financials: Rising Gas Prices Make Me Consider Crazy Things

From Boston Gal's Open Wallet: House hunting in the age of $4 gas

From Finabguide's Personal Finance Blog: Filled up for $9.

From Seeking Alpha: Save Money on Gas - Drive More Slowly

From Fund My Mutual Fund: The Slow Death of Suburbs?

From Grace Cheng's Forex Currency Blog: Through $4 Gas, Consumers Find Religion: Record Decline In Driving, Record Level Of Conservation
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Free Books & Entertainment: Meet Me on CBS4

I've been offline for a few days, but here's a link to a local CBS report about free entertainment & book options from the CBS4 team in Miami. The WFOR-TV report --featuring consumer reporter Al Sunshine -- includes me. A special welcome to CBS4 viewers who are visiting my blog.

Here's a snippet of the online print version:

"4 Your Money: Cheap Books & Movies

The Frugal Duchess Looks For Bargains MIAMI (CBS4) ― A good book or video can be a great summer pastime, but paying full price at the store can put a dent in your wallet. CBS4 consumer reporter Al Sunshine says there are some low cost, and even some free ways, to stay entertained. "

Here's a link to full story, which includes a link to the actual video ( in the box next to the text)

I'm grateful to Al Sunshine for including me. Special thanks to Donna Thomas, special projects producer, and John DuMontelle, news photographer. Thanks!
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Selling the Car, Jewelry & Other Stuff to Raise Cash

When our family car broke down and was beyond repair, we found an unexpected source of cash. Instead of paying to have our car towed away, a towing company paid us $250 for the car to resell as auto parts.

Various companies buy undrivable cars; check the Yellow Pages under ''Towing Companies'' or check online for lists of those that buy junk cars.
Much of the unwanted stuff in our garages, closets and storerooms also can be converted into cash.

Old electronics: Cameras, cellphones and other gadgets may have value on eBay and other online markets. Even if gadgets are broken, some parts and mechanisms are useful to dealers who repair or refurbish equipment. Just clearly state the age and defects of the products you're selling.

Gift cards: You can swap or sell unused gift cards at swapagift.com, cardaward.com and giftcardbuyback.com.

Exercise equipment: If stationary bicycles and other sports equipment are sitting unused, sell them.

Scrap metal and gold: There's a market for the metals in gold jewelry and even old appliances. Look online or in phone books for scrap metal or junkyard dealers in your area. Gold jewelry can be sold at pawn shops and jewelry stores or through classified ads and various online sites. Shop around for the best offers. Inquire about pickup services for scrap metal items.

Old books: Textbooks, novels and other texts can be sold online through Amazon.com, eBay and other vendors. Bookstores that sell secondhand books typically accept books in exchange for either credit or cash. If you have a really old book or first edition, check online to see how much sellers are asking for the specific books that you own.

Clothing and accessories: Sell garments at consignment stores, which will take a percentage when your merchandise is sold. Children's clothing and toys are especially popular at consignment stores and online.

This is from my latest column in the Miami Herald.
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Weekly Reading: My Favorite Links

Happy Father's Day: The following items caught my eye this week:

From Frugal Freedom: Another Month Closer To Financial Freedom

From The Simple Dollar: How We Organize Our Coupons and Execute Our Coupon Strategy

From The Digerati Life: Increase the Value of Your Home With a Few Simple, Affordable Changes

From SingleGuyMoney: My New Financial Plan

From Mrs. Micah: Finance for a Freelance Life: How My Mother Gives to Charity


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Saving Money & Energy Around The Home: Tips From Appliance Makers

This news release from The Association of Home Appliance Manufacturers offers great money-saving tips:

"Looking for ways to save money? Look no further than your kitchen. The Association of Home Appliance Manufacturers (AHAM) offers these simple energy savings tips to consumers looking for ways to cut energy bills this summer.

Refrigerators, dishwashers and clothes washers combined account for a 43% decrease in energy consumption since 2000. Replacing an eight-year old refrigerator, dishwasher and clothes washer with new appliances of average efficiency will save consumers about $95 per year in energy bills.

Replacing an eight-year-old clothes washer will save more than $60 in electricity costs and nearly 5,000 gallons of water per year. Additional savings can be obtained by purchasing Energy Star appliances.

Energy savings can also be obtained by following these easy tips:

· If you are replacing your refrigerator, do not use the old refrigerator as a second refrigerator. This will not yield energy savings. Properly recycle the appliance. To find recycling options in your area, call 1-800-YES-1-CAN.

· Allow hot foods to cool before placing them in the refrigerator; and always cover foods that may release moisture in the refrigerator.

· Limit opening the refrigerator and freezer doors. Label foods or use clear food storage bags to easily identify foods.

· Scrape, but do not pre-rinse dishes before putting them in the dishwasher. Dishwashers do a great job of cleaning soiled dishes.

· Take advantage of your dishwasher’s “eco” option that reduces water use, or use a no-heat air dry feature.

· Use load size settings- if you are washing a small load of clothing, be sure to change the load setting. Use cold water settings whenever possible.

· Always clean the lint filter on the clothes dryer after each use. A clogged filter will reduce dryer performance.

More information on energy savings can be found on AHAM’s web site www.aham.org."

Kiplinger’s: Increase Your Social Security Benefits by $12,000

"Is it really possible to boost your Social Security benefits by as much as $12,000 a year? You bet—but even your local Social Security office may not be familiar with it. The July issue of Kiplinger’s Personal Finance reveals legal little-known strategies to increase your retirement income:

1. A “Sweet Deal.” Take advantage of an obscure option allowing you to halt your current Social Security benefits, pay back all you have collected interest-free, and restart your benefits at a new, higher rate based on your current age. Your new monthly paycheck could be 75% larger than your previous benefit. First step? File Form 521 (available at www.ssa.gov). Don't be surprised that you have never heard of it. Out of the 32 million retirees collecting Social Security, only 71 people who had reached their normal retirement age or older took advantage of the option this fiscal year.

2. Tactics for Couples.

• When One Spouse Has Higher Earning Power. Under the Senior Citizens Freedom to Work Act of 2000, the higher-earning spouse (usually the husband) can file for HIS benefits, allowing his wife to collect her share of SPOUSAL benefits, and then suspend his own benefits while continuing to work, building a bigger payment for the future.

• When Couples Have Similar Incomes. Once you reach your normal retirement age, you can apply just for spousal benefits based on your husband's or wife's earnings record and delay the start of your own, higher Social Security benefits until later.


3. Take Care of the Kids. Children (up to age 18) of parents collecting Social Security can receive monthly payments based on the parent's retirement benefits. So, why not have Uncle Sam help foot the bill for your child’s education? Contribute the funds to a state-sponsored 529 college-savings plan and use the earnings and distributions tax-free to pay for tuition, books, fees and other qualified expenses."

The full article is available through this link.

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Latest Trend: 'Staycations' -- Ideas for Stay-at-Home Summer Trips

A Do-it-Yourself, Stay-at-Home theme park? That's one alternative to soaring pump prices. The spike in gas prices has re-fueled a frugal trend, namely the stay-at-home vacation. Basically, we become tourists in our own hometown. I've taken that trip. Here's a link to one of my past hometown vacations: $600 room for $149: Vacation Part 2.


Meanwhile, this item from CCCS has a long list of stay-at-home vacation ideas:


"School is almost out, camps are ready to start, and many families are planning a different kind of vacation this year.


"Family budgets are already being stretched by skyrocketing gas prices and higher costs on just about everything," said Jessica Cecere, president of Consumer Credit Counseling Service (CCCS) of Palm Beach County and the Treasure Coast. To cope with these rising costs, many families are opting for a vacation close to home instead of one that includes airfare, lodging, rental cars, and dining out.



CCCS clients offered their ideas for vacations in your own backyard:


Create Your Own Theme Park: Create your very own water park in your yard! Set up a slip-n-slide, fill the inflatable pool and turn on the sprinkler. Include an art area on the driveway with chalk and watercolors, and a bubble machine nearby for extra fun. A concession stand with hot dogs, chips, popcorn, cookies, ice cream, and lemonade adds to the fun. All the fun of a theme park without spending a fortune.


Fine Dining: Plan an elegant picnic at a local beach, lake, park, or in your backyard. Get out your nice dishes and glasses, and pack a tablecloth and linen napkins. Dessert and fresh flowers are great touches. Bring some fun outdoor games, such as bocce ball or badminton and make a day of it.


Throw a Party: Plan a theme party, like a luau, beach night, or the 50's and invite friends, neighbors, and relatives. Plan the menu and ask everyone to bring an item. Visit local thrift stores and garage sales ahead of time for decorations and clothing. It not only saves you a ton of money, but we all love to rummage for a great deal! You can also have it at a local city, county or state park. After the theme party, pack up all the items you purchased and sell them as a lot on eBay so you can recoup some of your expense and pass the idea on to someone else!



Look Close to Home: Research programs available through parks and recreation departments in neighboring communities. Many have great pool facilities that are like mini water parks, complete with slides and loads of things for the kids to do. You may have a small additional fee if you are not a resident or member, but the cost pales in comparison to a day at a theme park. If the facility let's you bring in outside food and drinks, pack a cooler for even more savings.

Day Trips: Many families never enjoy the wonderful places to see right in their own communities. A "staycation" provides the perfect opportunity to plan some day trips to local theme parks, gardens, and more.




Here are ten great places to spend a day this summer. [Note many of these ideas mention Florida attractions, but the same concept can be adapted to other regions.]

1. A Museum - Spend the day enjoying arts and culture at one of the many local museums. The Boca Raton Museum of Art, the Norton Museum of Art and the Flagler Museum are all great choices. Entry fees are reasonable and most offer free admission for kids under 13.

2. A Garden Adventure - Whether you visit the Morikami Museum and Japanese Gardens, Butterfly World, or Mounts Botanical Gardens, you will appreciate the natural beauty of our area.

3. Lunch at the Lighthouse - Pack a picnic and head to Jupiter for a tour of this local landmark.

4.Learn something new - Take part in a workshop at the Armory Art Center, Old School Square in Delray Beach, or head to your local craft store or home improvement store to build something special.


5. Explore Science - Experience the Robot Zoo at the South Florida Science Museum. Be sure to visit the McGinty Aquarium and the Marvin Dekelboum Planetarium while you are there.


6. Explore Space - A day trip to the Kennedy Space Center will have the kids dreaming of becoming astronauts. Check the schedule for shuttle launches.

7. Visit the animals - Spend the day at the Palm Beach Zoo or enjoy a drive-thru adventure at Lion Country Safari and get up close and personal with giraffes, lions, rhinos and more.


8. Stay Cool in the Pool - A leisurely day at Calypso Bay or Coconut Cove can be just the ticket on a hot summer day. For the more adventurous, try out one of the 29 water slides at the Rapids.


9.Take a ride - There are many wonderful biking paths in our area, including 6 miles at Jonathan Dickinson State Park in Martin County, 5 miles on the Island of Palm Beach, and a 2 mile trail in North Palm Beach.


10. Take a swamp buggy ride through the Everglades, pack the fishing poles and head to Lake Okeechobee, or enjoy some fun in the sun at one of the many beautiful beaches.

Whatever your "staycation" plans, there are many ways to save. Check out attraction websites for discount ticket prices, annual passes, and state resident specials. Pack snacks and lunches for extra savings."


source:CCCS



Here a related link: 10 Luxe-for- Less Vacation Tips

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Kiplinger's Picks Top 10 Cities to Live & Work

Economic prosperity and affordable living were front and center as Kiplinger’s Personal Finance selected its "top ten cities in which to live and work." Key factors included: "strong economies, abundant jobs, reasonable living costs—and fun things to do." The list appears in the July issue of Kiplinger’s Personal Finance and online at www.kiplinger.com/money/bestcities.

Here's a snippet:

"Kiplinger’s Best Cities of 2008

1. Houston, TX — Back with a roar after the oil bust of the 1980s, Houston has reclaimed its title as energy capital of the U.S. and added aerospace, technology and medical companies to the mix, generating more than 100,000 jobs in 2007.

2. Raleigh, NC — On the road to renaissance, Raleigh is bringing urban living to the city through the Raleigh’s Livable Streets project. Top-notch research schools in the area fuel a smart workforce, the main reason companies relocate to the area.

3. Omaha, NE — This city’s success is defined by its mid-western values. People believe in giving back to the community—and that includes the executives of the five Fortune 500 companies headquartered here.

4. Boise, ID — This Rocky Mountain town boasts high-tech businesses including Micron Technology and Hewlett-Packard, the Boise Valley’s two largest employers. With a median home price of $235,000, housing is affordable, and the average work commute is only 18 minutes.

5. Colorado Springs, CO — Natural beauty abounds at this 6,000-foot-high city. A strong military presence—with U.S. Army and Air Force operations, as well as the U.S. Air Force Academy—adds fuel to the economy, as do the aerospace and defense sectors attracted by the military.

6. Austin, TX — Home to the University of Texas and the state capital, Austin is known for great music and a lively culture, but it also offers a strong economy and affordable housing. It has expanded its economy to include digital media, green energy and biotech, creating 114,000 jobs in the area in the past five years.

7. Fayetteville, AR — The Green Valley city is attracting businesses and start-ups in the area with a sustainability spin in industries such as electronics, water purification, dairy products and packaging.

8. Sacramento, CA — A hub of technology, biotech and energy, many Fortune 500 companies have a strong presence in Sacramento. Newcomers are won over by the city’s subtle charms, including more than 210 tree-filled parks.

9. Des Moines, IA — Des Moines’s hometown atmosphere, top public schooling, and affordable cost of living make it an ideal place to raise a family. It also offers big-city amenities such as art galleries, a symphony and a ballet and opera house.

10. Provo, UT — The Provo area has grown into the country’s second-largest software center, featuring top employers Novell and Micron Technology. Workers are drawn to great job opportunities as well as the low cost of living and year-round outdoor lifestyle."

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Private Fund Provides College Scholarship Money as Lenders Pull Back

Even as college loans dry up for many community and four-year college students, at least one private scholarship program in New York City is fighting the trend. The Teak Fellowship -- featured in the June issue of Town & Country magazine -- is actively providing financial and academic aid to low- and middle-income students.

So far the fund has provided roughly $28 million in tuition assistance to 200 college-bound students. I wish that there were more programs like this in other regions of the country, especially since some banks have opted to stop lending to students who plan to attend community colleges and smaller four-year programs. Students attending elite schools will not face the same credit crunch, according to published news reports.

Here are links to some of those stories about the lack of student loans for students attending community colleges: KCTCS off some loan lists and College Families Bushwhacked by New Loan Legislation.

"Our mission is to deliver on the American ideal of meritocracy," Justine Stamen Arrillaga, founder of the The Teak Fellowship, told Town & Country. "We want to reward kids who have talent, ability and drive."

Arrillaga launched the fund in response to two tragedies: 1) The 1988 murder of Teak Dyer, her high school classmate and best friend, and 2) the 1997 fatal shooting of a gifted, low-income student, who was enrolled in an academic program that was under Arrillaga's direction.

"Justine Stamen Arrillaga made it her life's work to give children a chance at successful futures after two of the people closest to her were robbed of theirs," according to the Town & Country feature written by Erik D. Price.

Contact information: 212-288-6678

teakfellowship.org

Here's a link to a free search engine from College Board that helps families locate scholarships and grants for college education.

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