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The Budget Stretcher
"Saving you money...One Dime at a Time!"
Week Of: April 28, 2008
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Grandpa Terry's Free Ebook
Liz Tomey's The Money Crisis Manual
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"Will Your Kids Have Money Problems When They Grow Up?"
In 60 seconds I can forecast if your kids will be financially
competent (or not) just by analyzing your responses to 12 simple
yes/no questions.
Interestingly, the likelihood that your kids will be
financially capable has nothing to do with your current income
level or financial status.
It costs nothing (except 60 seconds) to take the Kids Financial
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***What's Inside***
Grandpa Terry's Free Ebook
Subscriber's Tip of the Week 1
Coupon Savings
Grandpa Terry's Update
Credit Card Information
Grandpa Terry's Tip of the Week
Site of the Week
Grandpa Terry's Email
Subscriber's Tip of the Week 2
Subscriber's Tip of the Week 3
This Week's Articles
Special Recipe - Mexican Cheese Casserole
Watch for next week's newsletter featuring:
Never roll negative equity into new car
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Subscriber Tip #1
Hi again,
It's me, Jo, and I am writing to let everyone know who reads
your newsletter what I am going to do with my $600 rebate check.
I have a High Deductible Health Plan with a Health Savings
Account. When I get my rebate check, I plan to contribute the
entire amount into my HSA. For those of you who don't know this,
HSAs work like an IRA, in that you make contributions and
distributions for anything medical. Even prescriptions, physical
therapy and if your health plan covers it, chiropractic
treatments. Anyways, the max amount allowable for 2007 was
$2850. That would also be my deductible. Be sure to check if
there have been any changes made for 2008.
The beauty of doing this is that ALL contributions (deposits
into the HSA) and distributions (medical bills paid) are TAX
FREE and deductible when filing your taxes, for which the
gubbermint cannot lay their sticky paws on. Just please note
that it HAS to be strictly for applicable medical reasons, and
without going over the deductible allowed. Vision and Dental
expenses are also viable.
Good luck to anyone who wants to seek this kind of health
insurance. HDHP and Health Savings Account work better for those
who are healthy. And unlike an FSA, with an HSA you can carry
that over year after year.
Jo ; -D
***********************************************************
Coupon Savings
by Michelle Jones
Let's show Michelle that we appreciate all of those Coupon Tips
she supplied us with for over two years. Check out her new
ebook and you will want to order a copy for yourself.
***********************************************************
Grandpa Terry's Update
Welcome to The Budget Stretcher!
Ok, you may as well get your favorite drink, find your reading
glasses and sit back and relax. You have a lot of reading to
do.
I received a ton of email this week, most of it being in response
to my question "What is the least you ever paid for gas". I
think you are going to enjoy reading them.
I also have a quiz for you that I know you are going to enjoy and
it will bring back a lot of memories. This is mainly for us old
folks but even if you are not an old-timer you can get someone to
help and they will get a kick out of it.
Here is the link to take the quiz:
With all of the negative talk about the economy in the media you
are bound to hear about the possibility of Bank Failures in the
near future. This will undoubtedly cause you some concern
about what would happen if your bank failed.
Well, I have good news for you. In the event that a FDIC bank
was to fail the FDIC would do everything in their power to
have your money transferred to another FDIC insured bank or
issue a check quickly. Their target is to get your money to
you within 1 business day.
Nobody that I know of is talking about bank failures at the
present time and it's very unlikely that they will. But I
thought it would be interesting to know "What If"! Here is
an excellent article that explains this in great detail:
U.S. government stands behind deposits
By Don Taylor, Ph.D., CFA, CFP • Bankrate.com
That's all for now. Remember, I really enjoy hearing from you
folks. If you have any comments, complaints, suggestions or just
want to say Hi, please send me an email to
If you know someone that may be interested in subscribing to our
newsletter have them visit:
Have a great week,
Grandpa Terry
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Credit Card Information
Disputing Credit Card Charges
CreditorWeb.com
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Grandpa Terry's Tip of the Week
Here is a reprint of my article on how much you could save by
adding a few dollars to your mortgage payment. To view the
article online and see a chart showing more information click on
this link:
Add A Few Dollars To Your Mortgage Payment
Many of us don't believe that a few dollars can make a big
difference. In a lot of cases that is true. But when it comes to
mortgages or any other type of loan, a few extra dollars can
save you Big Bucks.
The chart below gives examples of three different loan terms
and what paying between $75 to $100 more a month would do to the
mortgage. It is based on a $100, 000.00 loan at 7% interest.
By adding $84.70 to your 30 year loan you can save $45, 513.14
and pay the loan off in 21 1/2 years.
By adding $74.70 to your 20 year loan you can save $16, 662.42
and pay the loan off in 16 1/2 years.
By adding $101.07 to your 15 year loan you can save $11, 271.73
and pay the loan off in 12 1/2 years.
There are a couple of things that you need to check. First is
that your loan agreement doesn't allow the loan company to
charge penalties for early payment. Secondly, if you itemize
your federal income taxes and deduct mortgage interest, paying
less interest will mean a lower deduction. I believe it is safe
to say that the interest savings will far outweigh the tax
savings.
Even if you don't have $75 to $100 a month to add to your
mortgage payment, even $25 would save a lot.
If you would like to have your own Loan Calculator, just visit
Plus. This is a free version and has everything the average
family can use. It is also the Loan Calculator I have used for
several years. Highly Recommended.
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Site of the Week
Title Trader
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Grandpa Terry's Email
Can you help this subscriber?
Hi Grandpa Terry!
I wondered if you or anyone knows of a website that shows which
grocery stores in my area will accept computer printed coupons?
For some reason two of the stores that I shop at, are now no
longer accepting printed coupons!! Why?
The cashiers had no explanation when I asked as to why at both
places.
I really try very hard to save every penny I have, and coupons
are one of those ways. I also noticed that you have lots of
sponsors that offer coupons online to print off. I cringe at the
thought of bringing my full cart up to the register with a
handful of coupons that they won't take half of, and then
paying my full bill, ouch!!
I know there are websites for the cheapest gas prices in town,
I wondered if you knew of any info regarding stores that do
accept computer printed coupons.
Thanks for all your help!
Cheers,
Tori
My Response:
Hi Tori,
I just did a Google search and came up with an interesting
article that explains the problem you are having and what you
can do about it. Here is the link:
I'll put your email in the newsletter and maybe someone will
have a better idea.
All the best,
Grandpa Terry
-------
Hi Grandpa Terry,
This is both a comment and me informally contributing as to why
I plan to renew my membership to your newsletter as the time to
do so approaches.
1) Things are really hopping at your newsletter. Seems your
subscribers have jumped on the bandwagon and contributed,
especially on the "Sound Off" part of. I am glad this is working
out. I also hope this will continue for a long time. Always
remember that it's easier to vent and grouse than it is to
contribute a positive tidbit about ourselves. An example: "I put
a huge chunk of change towards my credit card balance." Or, "I
paid for a used car with cash." Yada, yada, yada. You get the
gist.
2) I always look for some way/shortcut/tip in regards to
budgeting. Many have a newsletter they publish full of such
ideas. But I have to tell you that yours is the one I come back
to week after week when I check my email. If I've deleted it, I
did so maybe once. Your newsletter is, in my opinion, one of the
absolute best; it is so user friendly because of how easy it is
to navigate the different links.
There are other reasons, but for the moment, they're buried in
the cobwebs of my wittle brain.<grins> There are other ideas that are
culminating like the "Sound Off" example which I'd like to
contribute. How about "Grandpa Terry's How-To." I am totally
lost when it comes to the stock market. I'd like to learn how
mutual funds work, hedge funds, treasury bonds, blah, blah,
blah. Every time I go to read an article regarding the stock
market and ways to invest, my eyes simply glaze over. It would
fall in the category of Tips, perhaps, but it would be more like
getting a lesson. I know you can go to bankrate.com to get this
kind of information, but if it's the newsletter, it adds a far
more personal touch to its subscribers. Get what I mean? Another
idea is to simply let someone else do the "teaching."
Just some thoughts.....
Jo
My Response:
Hi Jo,
I don't know where to start! Thanks for the kudos. It means a
lot.
I could do a How To but I'm afraid if I did one on the stock
market most people would be broke by following my advice. I've
dabbled a little in stocks but am in no way an expert. I have
tried to find an expert that would be willing to contribute to
the newsletter but so far I haven't had any takers.
You are right, Bankrate is the place to find this kind of
stuff. I found a basic course they offer on investing that is
actually fairly simple to use. I wish I could copy this info in
the newsletter but it's all copyright protected so I can only
provide links. Here is the link to the start of the course:
Thanks for the insight. I will use some of this in the
newsletter.
Have a great day,
Grandpa Terry
-------
Hi there -
First I have to say how much I enjoy my Sunday mornings,
getting up and reading your email. This may sound strange to you
since I love reading your emails, but we are not in debt and
never have been. Oh and by the way, the cheapest I ever paid for
gas was .25/gallon in Los Angeles, California.
I just read your article on what to do with the $1200 rebate
coming soon. In reading that article I have to ask myself, do
any of the people with that kind of credit card debt have an
emergency fund set up of at least $1000? This would keep them
from possibly running up that credit card debt some more if
something happened ( car repair, illness) that was not in their
budget. If people don't have some money set aside for
emergencies, then it seems like a perpetual problem to me. I'm
sure you and your readers have heard of Dave Ramsey. I listen to
his radio show sometimes and just can't believe the situations
people have gotten themselves into. Some are not of their own
doing, but most are. Saving the $1000 and not touching it except
for an emergency and then applying the $200 to their credit card
debt might be a better bet for some. We will be saving all of
ours.
My DH and I have been retired for the past 8 years due to his
health going down hill. However, right now he is doing better!
We have lived our 37 years together believing that we did not
want to have debt, except for our house, and so that is how we
have lived. We grew up in the era when to buy our first house,
we had to save 20% down. If things had stayed that way, there
wouldn't be the sub-prime mess of today.
Things are just so out of whack these days. I heard a
presidential candidate the other day use the words that people
DESERVED something (can't remember what it was) but I couldn't
believe my ears! How did we become a society where people think
they are victims of everything and that the government should
provide them with their basic needs? People choose to be
victims, and they should be responsible enough to take care of
themselves for the most part.
Yes, we still watch what we do like everyone else. I have
started baking Rhodes bread at home instead of buying bread at
the store. Much cheaper and better! We combine our trips to
town, and we stay home on days when we really don't NEED to go
anywhere to save on gas. Our gas currently is $3.45/gallon here
in NE. I'm sure it is heading higher. We watch CNBC daily to get
the current oil prices, and you can bet on days when oil goes
up, so does the price at our pumps here. Makes no sense, but it
does happen that way. So I have run out to do errands and filled
my tank when the price isn't higher yet - so the most I have
paid so far is $3.26/gal and my tank is full. Just playing
little games does save money. Oh and we have 5 - 5 gallon jugs
full of gas we paid $2.79 for to run our lawn tractor for the
summer. Anyway, I wish everyone well. I just wanted to write and
give you my perspective.
Thanks for all you do!
Connie
-------
Hello Grandpa Terry,
I am mostly a fond reader. I remember people asking information
about paid surveys and I ran across this from one of your
recommended sites partners. Thought it might be interesting.
THIS IS VERY INTERESTING:
Survey Blacklist Site
Large List Of Survey Companys
To Avoid....Don’t Waste Your Time With These
What do you think? It also gave a valid site information as well.
Thank you,
Cindie in CA
-------
Hi Grandpa Terry:
A quick thank you for this recipe below...It looks really
yummy.
Special Recipe
Cherry Delight
My main reason for emailing you though is about constructing a
home made hobby greenhouse. I don't know if there's any way you
can address this or not...as it may be too general in content;
however, if you could help me in getting started in constructing
a hobby greenhouse, I would sure appreciate it, Grandpa Terry.
I'm not talking about one of those two to four shelves with the
plastic enclosure. I already have that. What I am referring to
is an actual greenhouse, but not a huge one.
All my life (I'm an active 64 year old); I've wanted to own a
nursery. At my age, I realize that that is no longer an option.
However, I would very much like to supplement my income with
growing and selling some seedling-type plants, along with a few
other household plants. Yes...it would include fruits and
veggies; but I would also like to sell landscape-type plants as
well...(mainly smaller versions). I've heard there's money to be
made in selling these types of plants...(mainly 4" pots or
larger).
Grandpa, I work as a Home Care Provider and at present have
three clients. I had to take on the third one as I.H.S.S. (In
Home Supportive Services) is drastically reducing hours on all
the clients. I'm completely worn out at day's end...just in
trying to put a little food on the table and pay bills...not to
mention the rent.
We have a very understanding landlord where we now live...on a
one half acre of land (possibly three quarters of an acre).
There would be plenty of room to put up a greenhouse. However,
money being what it is happens to be an obstacle. On the
positive side, I do have man-power, with three of my sons living
right here in Redding, California where I live. They could be of
tremendous help in putting a greenhouse together for me. What I
need, however are the supplies for such an endeavor and plans of
course.
I realize that in constructing a greenhouse, one would need
some pvc pipe of various lengths and connections, along with
shelving, a misting system, electricity and some really
inexpensive (but long-lasting plastic) or perhaps a cheap
resource for glass.
Grandpa, I know all of this is pretty general and I don't know
if you can help me or not...but could you either tell me how I
can go about getting the help I need (plan-wise and construction
tips) in putting something like this together? If not, could you
direct me to some sites that might be able to help me? Grandpa
Terry; I just cannot afford to get into a HUGE greenhouse
venture...I don't even know if I can afford this; but money
being what it is and having an elderly and sick spouse; I really
need to do something with the gifts that God has given me (good
health and the land) while I still can.
Can you help me, Grandpa Terry?
Thank you and God bless...
Mary
My Response:
Hi Mary,
I'm going to try that Cherry Delight myself. It sure sounds
good.
I do have some building experience but I've never built a
greenhouse.
I did a Google search using the Search words "build greenhouse
plans instructions" and found several sites that give free plans
and instructions. As for the plumbing I would just ad that to
the search. (i.e., "build greenhouse plans instructions
plumbing") I wish I could give you a specific web site that
would meet your needs but there are so many and I'm not sure how
big you want to go.
This sounds like a great business and one that you will enjoy.
I'm sure you will do very well.
Let me know if you find what you need.
Best of luck,
Grandpa Terry
-------
Here are the responses I receive to last week's question "What
is the least you ever paid for gas?
Hi Grandpa Terry!
The least I ever paid for gas was 69 cents a gallon back when I
started driving in 1974 in Jackson, Ohio. And I thought that was
expensive!
Catherine
-------
When I was a teenager, about 1965 my dad let my sister and me
take his Chevy BelAir to east Texas to visit relatives for a
week. Gas was around 15 or 16 cents per gallon in Oklahoma, but
when we crossed the Texas line, they were also having a gas war,
and we filled it up for 10 cents per gallon! Oh, to find it like
that today!
Glenda in Tulsa
-------
I don't remember the exact price per gallon, but when I was in
school in North Carolina in the late 70s, I used to fill up the
gas tank of my 8-cylinder hot rod classic '64 Chevelle
Malibu...AND...get a Coke...AND...a carton of cigarettes for ten
bucks. Now, the 4-cylinder minivan I drive takes about $55 out
of my wallet for a fill-up, the Coke is at least a dollar, and a
carton of smokes is around $30.
The least I ever paid for gas was .99 a gallon. That was about 17
years ago. It took about $10 to fill up my Buick Somerset then.
Those were the days...
Jennifer
-------
Hey! I am a dedicated reader of your newsletter. You give some
wonderful tips.
I am 41 yrs old. When I was a child I remember gas being .56.
When I got my license, I think I paid .97.
I live in N.C. today gas is $3.48.
Tracy
-------
I graduated from High School in 1964 in Portland Maine and went
to work in a bank. I got my first car a used 1957 Chevy. The gas
at the Mobile station in my neighborhood was $.29 a gallon. In
order to start establishing my credit I got a Mobile credit
card. I now live in upstate New York and the gas yesterday was
$3.69 a gallon. What a huge difference.
Sharon
-------
I remember when I was in high school (early 70's) , I could drive
into the station and ask for $1.00 worth of gas (2 gallons) on a
Friday evening. That would get me everywhere I needed to go and
they checked my oil, tires and washed my windows too!
The least amount I ever remember paying was 0.89 per gallon back in
.. 2002 I think
Michelle and Stephen in PA
-------
What a fun topic!
For sure I'm giving away my age... but when I was a teenager in
Wisc only 2 of my friends had cars... and they lived in the
country so they "needed" them to help with family "chores".
One had a very cool 57 Chevy <red and white...very cool! and the
other had a 50 Chevy. On weekends we would all donate our change
for the gas @ .29 a gallon and that took us thru the evening,
and "cruise" out little town and some times we would cruise over
to the next town...25 miles away, but that was a "college" town
...our parents frowned on that <but gas was only .25 a gallon
over there> . Hang out at the A & W... those were the days!
There were always at least 4 of us... often 5. In the winter the
50 Chevy made it into the snow banks more than once country roads
were not straight and 50 Chevy's were very light weight and we
would laugh so hard as we pushed it back on the road. Yes....
those were the days! Fun times!!! ^
-------
Hey Grandpa Terry!
The cheapest I can remember gas being was .89/gal in AL when a
high school gal pal and I drove down from VA to visit her dad
during the summer of 1995.
Iva
-------
Well, this is actually about the lowest I ever paid for heating
fuel oil.
It was the fall of 1972 in Durham, NH, I lived in a very small
trailer park, (I have no idea if it's still there or not), there
was a guy driving around with a fuel truck who would fill us up
for
16.9 c. a gallon. The price here in northern Vermont, this
week, is about 3.94 per gallon!!!
Whew, heaven help us all.
Best wishes!!
Paul T.
-------
Hi Grandpa Terry,
The least I can remember paying for gas is $.30/gallon. This
was just after I got my driver's license. If you really want to
bring up inflation, the difference in what I paid for a pack of
cigarettes when I first started and what I'm paying now, living
in Ontario, Canada is atrocious! Yes, I know it's a bad habit
and also know how much I could save if I quit…but it's still a
ridiculous increase…J
Thanks,
Mary Cunningham
Epicure Senior Consultant
Want more recipes? Join Epicure Recipes Yahoo group at
-------
In high school back in 1960-61 my friend had a little Chevy
Corvair. Gas was 18.9 & we'd put a quarter in it & run around
town all night "dragging the strip" to see who was out & doing
what. Mostly we'd just drive around -- sure wouldn't do that
today. I need gas right now & it $3.39 in our city -- I only
stop at the store on my way home & don't even go to garage sales
any more because gas is too costly. When I lived in Hawaii in
1973 gas was only 35 cents a gallon until the oil embargo & then
we didn't pay much more than that but it was rationed -- only
$3.00 worth every other day according to the ending # on our
license plate. That bought me enough to get back & forth to work
until the next $3 day. Couldn't go to the grocery store or any
where else. Ran out of gas in a rain storm on way to work one
day & got an extra gallon or two from a sympathetic station
owner even though it wasn't my day to get gas. From then on I
could stop at the store & go to church because I had a couple of
extra gallons in my tank. But getting up at 5:00 to be in the
gas line by 5:30 in order to get gas at 7:00 so I could get to
work by 8:00 kept up for some weeks. Kids today haven't seen
anything yet.
-------
The lowest price I ever paid for gasoline was in 1971 in a
little town in Tennessee on my way from Oklahoma to Kentucky,
where my husband was stationed at Ft. Knox. I filled my little
Ford Fairlane with 15 cents a gallon gasoline, and had enough
left over for a soda pop and a candy bar, and I didn't even have
to pump the gas myself, as it was full service!
Auntie Em in Oklahoma
-------
I graduated from high school in 1969. We used to save our milk
money to buy gas to go cruising on Friday nights. Milk was 20
cents and gas was 27 cents. We could drive all evening on our
milk money. This was in Longview, Wa.
Di
-------
I don't recall the lowest gas price but the one that sticks in
my mind is also "service" related and also in 1968. We had just
gotten married and my husband was in the Navy, stationed in
Beaufort, SC. We paid 29.9 . Since I worked in Savannah, GA
about 40 miles away we were very conscious of the cost of gas. I
had a Chevelle Supersport with a 398 engine but usually left
that with him and used his VW bug to save money. Amazing to
think at 29.9 we thought of that to save a bit!
Lynda
-------
Hello Grandpa Terry!
I believe the lowest I ever paid in my driving lifetime was .88
cents back in 1986 in Port Orchard, WA . Although, .50 cents
"rings a bell" from when I was a kid, watching Dad fill up our
cars... The other day I paid 3.66 for a gallon in Spokane, WA!
On an up note? Safeway stores give points with purchases over
$50 toward gas savings. We ended up paying only $1.40 a gallon
for 30 gallons (since that is their cutoff). Very cool program
that all your readers should investigate.
All smiles,
Reen D.~
***********************************************************
Subscriber Tip #2
I do have a tip for you- save it for a week when things are
slow- feel free to edit for space to fit your newsletter !!
Whenever I am cooking- I try to make more than is needed.
Example- I was having my parents down for dinner so that would
be 4 adults and two kids to plan dinner for- so I decided to
roast 2 rather large chickens, in a separate pan I roasted cut
up potatoes and carrots (enough to feed about 10 people) When
that was done I supplement the dinner with one bag of frozen
green beans. Obviously there was plenty for that meal and then I
packaged up what was left into smaller containers (at this point
you can decide- do I want to eat this tomorrow- or would I
prefer to freeze them) Either way you have made enough for two
meals and only worked one time. This not only saves time- but
sanity on a night when you may have forgotten to pull something
out for dinner- you know you have a home cooked "tv" dinner.
Another thing someone can do with some of the dinner is to
nicely plate it and give it to an elderly neighbor that may not
feel like cooking such a big dinner but would enjoy one.
Have a good week Terry !!
Crystal
***********************************************************
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Tidbits from the Pantry
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Dollar Stretcher Tip #3
Moving Boxes
A great source for moving boxes is bookstores: the boxes are
medium-sized and very strong. They are also uniformly sized,
which means they stack well on moving day and are great for
after-move storage. Even smaller bookstores receive hundreds of
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Melanie
Visit Dollar Stretcher at:
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This Week's Article Links
Just click the links to view the article
What should I do with my money now?
by Scott Bilker
(Scott)
Homes still too high for 'average' family
By Craig Guillot • Bankrate.com
(home)
Feeding a Family for $300 a month?
By Tawra Kellam
(food)
To read more articles visit:
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Benefits Visit:
Visit Our Forum
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Join This Groups
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Debt Consolidation can:
H - Help avoid filing bankruptcy
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Special Recipe
Mexican Cheese Casserole
1/2 to 1 lb. of hamburger*
Cream of chicken soup
1 small can of tomato sauce
1 small can of green chilies, chopped
8 to 16 oz. of cheese, grated*
12 corn tortillas
Fry hamburger in pan and drain. Add soup, tomato sauce and
chilies.
In a casserole dish or baking pan layer tortillas shells, meat
mixture and cheese. Bake at 300° for 30-45 minutes.
*This recipe is very flexible. You can adjust the hamburger and
cheese to pretty much to what you have on hand. I use cheddar
cheese but you can use Monterey Jack, Mexican mix or any
combination you want.
This recipe compliments of Living On A Dime. Get more of the
recipes you can actually use:
***********************************************************
Everyday Savings
These Tips provided by The Frugal Shopper
Please show your appreciation for these great tips by visiting
this site.
~~To keep the corners of your windowsills free of dust
and moisture, rub a white candle into each corner of
the sill.
~~If your polished furniture has small scratches: Try
rubbing them with a shelled walnut. You'll see the
scratches just disappear!
~~Keeping silver jewelry in a zip lock or air tight
container will keep it from oxidizing.
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Contact Information:
Budget Stretcher
1203 Madison 228
Fredericktown, MO 63645
FAX: 573-783-5982
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Disclaimer: This newsletter is only intended to provide
information on proper money management. Budget Stretcher or
Terry Rigg can not accept responsibility for any injury or
damage that may be caused to yourself, others, or property when
following any advice given.
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