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Newsletter to Your Friends (Use this link only if you receive this newsletter by email) Week of October 26, 2009This is an OPT-IN list ONLY! If you feel that you have received this message in error, please follow the directions at the bottom of this email to unsubscribe. Thank you.Click Here to view this newsletter online. Navigate This ColumnGrandpa Terry's Update Welcome to The Budget Stretcher! I'm going to try something different. I will be including a Tips Topic in the next few newsletters to see if it will encourage more tips to be sent. This week the topic is: How To Save On Your Cable/Satellite Bill Submit your tips by using the form on your Your Subscriber Benefits Page to get your free gift if it is used. I have something else that may be fun to list in the newsletter. Every state and many citys have laws that are just crazy. I'm going to list one of those law each week. Let me know what you think!! Michigan It is illegal in Michigan to hitch a crocodile to a fire hydrant. Alligators are seemingly good to go on that one. Compliments of Loony Laws.com Our "Secret Offer" may be a free download or a program that I recommend for you that costs a little bit of money. This is not a gimmick or a trick and you make the final decision whether you want the offer or not. I received a link to a web site where you can carve a pumpkin online. I have to say I wasted about a half an hour making different designs when I should have been working on my web site!! Don't miss this. It's not just for the kids: Try Out That New Pumpkin Design before you start slashing up the gourd. 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 tre2000@midwest.net If you know someone that may be interested in subscribing to our newsletter just copy and paste the below link into an email to them and have them subscribe: http://www.homemoneyhelp.com/confirmsubs.html Have a great week, Grandpa Terry Sponsor AdvertisementService In Your Local Area This is a legitimate work at home business that takes time and effort to make a profit. Take a look and consider it carefully! This could be what you've been looking for. Grandpa Terry's Tip of the WeekWould you know how to act if you didn't owe anybody anything? We have become so accustomed to using credit and paying bills that for most not doing this would seem foreign. You just don't go to the car lot and pay cash for a new car unless you are Bill Gates. When you go to the car lot you wonder if you are going to get approved or if you will be able to come up with the down payment. You worry about whether or not you will be able to make the payments with all of your other debts. That's the way it is for most of us. I'd like for you to think about this for a minute. You may even want to break out your budget and add up only the bills you would have (utilities, etc) if your total debt was paid. Now, subtract that from your income and see how much you have left over. Could you live on that? What would it be like to actually have money left over on payday? You could enjoy yourself and your family again, plan for your retirement, put money away for the kid's college and all the other stuff you can only dream about now. I constantly hear the phrase "I need more money to pay my bills" all the time when actually it should be "I need less debt to be able to pay my bills". When you take your debt out of the equation most of us could live very comfortably on what we earn. Believe it or not, people are paying off their debt, even their mortgage. This doesn't have to be a dream. If you want it you can have it. Even if you only have a few dollars left over to apply to your bills you can pay them off much quicker. Please read an article I wrote about Snowballing payments at the below link: http://www.homemoneyhelp.com/snowballing.html Sponsor AdvertisementAre you frustrated trying to get by on the money you make? Would you like to get a good view to where all your money is going? Would you like to start saving your money, or save even more? Looking for something easier then software like Quicken or Money? Would you like to teach your children about finance? Click Here to check out My Budget Planner Today Grandpa Terry's EmailHi Terry:I saw the headline about this article and the link, but I did not read it. As I udnerstand it, if you transfer credit card debt (unsecured debt) to a Home Equity Loan, you have made it secured debt. If you miss payments, they can take your house. If you miss payments on the credit cards, they can take you to court, but can't take your house! I read that it is never a good idea to do this. Thanks for listening to my opinion. My Response: Hi, You are absolutely right. Under normal circumstances turning an unsecured loan into a secured loan isn't a good idea. However, with some interest rates exceeding 30% and some credit card companies requiring a minimum payment of 5% of the balance, a loan consolidation or HELOC could save hundreds of dollars in monthly payments and ultimately 10s of thousands of dollars over the course of the loan. You have to be very careful and investigate all of the ramifications before obtaining this type of loan. Thanks for your input, Terry Dear Terry, a word of caution!!! Windshield washer fluid should NOT be used in place of Windex, etc. Washer fluid contains methanol, which if ingested can lead to permanent blindness. This is not a safe substitute! Thanks, Debbie. Hi Terry, Linda Cobb the Queen of clean wrote in her book, to remove grease stains from clothing, just pour a little shampoo on the stain. It's great for any kind of a stain really. I didn't ketch one and put a pair of pink slax in the dryer. It did get set from the dryer....but I tried again and let it sit for a day or so. I couldn't find the stain even tho' the slax had been dried again. I learned to be more careful. Juanita Featured ArticleBy Tawra Kellam http://www.LivingOnADime.com/ The average American family spends over $100 per year on Halloween goodies. As your kids drag you through aisles full of ghosts and goblins, the scariest thing about Halloween is threatening to leave bite marks in your pocketbook. No wonder so many moms flee screaming from the store... It can be much less expensive and a lot more fun to devise your own chilling creations. Here are a few tips that you can use to stave off the greenback gremlins and exercise your creative muscle. It won't hurt a bit! These and other free frugal tips are available at http://www.livingonadime.com/ Face Paint 1 tsp. corn starch 1/2 tsp. water 1/2 tsp. cold cream food coloring Mix all ingredients together in an old muffin pan and you are ready to paint. This amount makes one color. Fake Wound 1 Tbsp Vaseline tissue cocoa powder 2-3 drops red food coloring Place Vaseline in a bowl. Add food coloring. Blend with a toothpick. Stir in a pinch of cocoa to make a darker blood color. Separate tissue. Using 1 layer, tear a 2x3 inch piece and place at wound site. Cover with petroleum jelly and mold into the shape of a wound. The center should be lower than the sides. Fill the center with the red petroleum jelly mixture. Sprinkle center with some cocoa. Sprinkle a little around the edges of the wound to make darker. Fake Blood- Mix 2/3 cup white corn syrup, 1 tsp. red food coloring, 2-3 drops blue food coloring to darken and 1 squirt dish soap (helps blood to run well). Abrasions -Dab brown, red and black eye shadow on area. Apply blood over area with cotton balls. Use comb to gently scratch area in one direction. Apply cocoa or dirt over wound with cotton balls. Black Eye -Apply red and blue eye shadow to depressions around eyes. Bruises-Rub red and blue shadow over bony area to simulate recent bruises. Blue and yellow eye shadow to create older bruises. Look Old - Cover face with baby powder. Draw dark lines on your skin for wrinkles. Smooth edges to blend. Cover again with baby powder. Add baby powder to your hair to create gray hair. Deviled Eyeballs Make deviled eggs. Add a green olive with pimento in the center for an "eyeball". Radioactive Juice- Mix equal parts Mountain Dew and blue Kool-Aid Toxic Juice- Add some green food coloring to lemonade for a spooky color! Brains- Scramble eggs with some green, yellow and blue food coloring Bloody Eyeballs- Boil cherry tomatoes 30 seconds. Allow to cool; then peel skin. Goblin Hand- Freeze green Kool-Aid in a rubber or latex glove, float in punch. Use the tape from old cassettes or black yarn to make spider webs. Use cotton balls stretched out for small spider webs. Glass Jack-o-Lantern- Outline a pumpkin face on a spaghetti or pickle jar with black paint. The paint around the outside of it with orange paint. Place a candle inside for a jack-o-lantern. Halloween Guess It Game In this game, you challenge the participants to reach into mystery boxes filled with creepy things and try to guess what each item is. The person with the most correct answers wins the game. An example is if you want them to guess "grapes", you might try to confuse them by saying, I think it's eyeballs... Cut a hole in the top of a shoe box or laundry box for each item to be used. Cover the box with black spray paint. Decorate each box with pumpkins or spiders for a more festive flavor. Place the following items inside, one per box. Be sure to place enough of each item so the guests can adequately "feel" the guts. Eyeballs - grapes or peeled cherry tomatoes Intestines- Cooked Spaghetti Skin- oil a piece of plastic bag Brains- scrambled eggs Hair- an old clown wig Bones- thoroughly washed chicken bones placed in some sand Vomit-chunky salsa Fingers-hot dogs cut into finger sized pieces Teeth- corn nuts, pine nuts or popcorn Have a Pumpkin Hunt Hide mini pumpkins like you would Easter Eggs. Let the kids find and decorate them. For small children use glue sticks with construction paper cut-outs for decorations. Edible Slime Pour lime gelatin into a glass bowl. After it is partially set, add gummy worms. Chill until lightly set. Then serve slopped all over the plate. Bloody Popcorn- Add red food color to melted butter and pour over popcorn. Freeze gummy worms in ice cubes and add them to drinks. Cut gummy worms in half if needed. Tawra Kellam is the author of Halloween On A Dime and the frugal cookbook "Not Just Beans. Not Just Beans has over 940 recipes and tips. For more free tips and recipes visit her web site at http://www.LivingOnADime.com/. In 5 years, Tawra and her husband paid off $20,000 personal debt on an average income of $22,000 per year. |
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