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Author: Laurie

Credit Cards: Did You Know These Truths?

credit card facts
credit card facts

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I’ve been watching the interest on our Discover card go up and up, since a large portion of our balance there just ended it’s 0% introductory rate and is now costing us money.  When I apply my payments, they go toward the rest of the balance first, which is still at zero percent.  Prompted by a tip off from a Facebook commenter, I checked into seeing if this was legal or not, I learned some interesting facts** about credit cards, interest rates and our payments to those cards, and here’s what I found out: Read more

Our Fave Frugal Window Cleaning Solution

Cleaning the windows is likely one of the most tedious jobs for homeowners everywhere.  If you have windows that need cleaning, you can hire a professional, or you can use our favorite frugal window cleaning solution and some elbow grease and get the job done yourself.  No harsh chemicals with this solution: just common household items and some hard work.

For the best results, spray the window cleaning solution on the window with a spray bottle that has a mist setting.  Then scrub lightly with a window scrubber, following up with a window squeegee.  Use the window squeegee in long, horizontal strips, wiping it with a rag in between strips.  Make sure to clean up any drips at the bottom of the window so they don’t sit on your wood frames or sills.

We get our windows squeaky clean for dirt cheap, and without spending serious dollars on commercial glass cleaners.  Our dirt cheap and super effective “recipe” for our window cleaning solution goes like this:

25% rubbing alcohol

25% white distilled vinegar

50% water

Mix and use.  That’s it!  For extra sparkly windows, use a microfiber cloth, or use a window scrubber and a window squeegee with an extension pole, bought separately or in a kit.

Zwipes Microfiber Cleaning Cloths (36-Pack) Assorted Colors

Ettore 71140 Professional Brass Backflip Window Cleaning Combo Tool, 14-Inch

Professional-grade clean windows can indeed be achieved at a low price, using the right tools and our favorite frugal window cleaning solution.

 

*If you have a home that’s larger than one story and requires a ladder for cleaning some of the windows, it’s best to hire a professional to do the job.

What Does Debt Freedom Mean to You?

What Do You REALLY Want?

What Does Debt Freedom Mean to You?
What Does Debt Freedom Mean to You?

 

 

 

 

 

 

 

 

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I’m sitting here in my office right now, freezing my tail off.  We keep the heat much lower than I’d like it to be.  Why?  Because we want debt freedom more than we want the instant gratification of a warm house and whatever else our little hearts desire to have.

Is this a fun way to live?  Yes, and no.  At first glance when we choose to tell ourselves “no” to things, we’re tempted to throw a bit of a tantrum and argue with ourselves about how we want/need/deserve A, B or C.  That part is NOT fun, but it’s easily and quickly overtaken by “Yes” when we remember what’s waiting for us at the finish line of our marathon to debt free.  What’s waiting for us? Read more

The Road to Debt Free

The Dangers of Short-Sighted Vision

You CAN do this!
You CAN do this!

After I wrote my recent post titled “Can You ‘Bootstrap’ Your Way Out of Poverty?”, someone asked me a very valid question, and that question was,

“Given your situation growing up, how did you end up in such a financial mess as an adult?”

The answer, quite honestly, is that I had, for years, short-sighted vision.  After going through what I went through as a child, a seed was planted within me.  My work ethic, which was good before, was now great.  I got my first job at 14, painting the interior of rental properties with my mom.  From there, I continued to work.  Fast food, slow food, retail, whatever work I could find as long as I was working and, more importantly, making money. Read more

poverty-boot-straps

Can You “Bootstrap” Your Way Out of Poverty?

poverty-boot-strapsA Yahoo Finance article says “no”, citing reasons such as the inability to find affordable housing, transportation to a job, and a decent grocery store.  I obviously can’t speak for every city or every situation, but I’d like to delve a little bit further into my own childhood situation and how my own mother bootstrapped herself out of poverty. And then, I want your opinion: Was my mom’s situation different?  Did she have benefits or opportunities that people living in poverty don’t have today? Read more

Save Money on Winter Heating Bills

How to Save Money on Winter Heating Bills: Frugal Heating Hacks for the New Year

 

Save Money on Winter Heating Bills
Save Money on Winter Heating Bills

Hey, friends!  Happy Friday!  Today we’ve got a guest post from our friend, Ruben.  Bio: Ruben Keogh is a retired plumber and sprinklerfitter, landscaper and lawn-saver who found his true calling after progressing from apprentice to journeyman blogger. When he acquires enough experience, wit and insight to become a master blogger, he’ll let you know. He hikes, fishes and gardens with his wife whenever possible.

If the gift-giving portion of the holiday season is defined by a celebration of generosity, togetherness and goodwill, the New Year observance is a celebration of change. There are resolutions to improve one’s habits and behavior in the coming year, anticipation for new and exciting changes to come, etc. However, for those of us that live in more northerly climes, there is one constant: when the New Year rolls around, it’s gonna be cold. Read more

pay off debt

5 Things You Shouldn’t Do To Pay Off Debt

Hey, friends!!  Today we have a guest author, Jason, from over at Celebrating Financial Freedom. He’s here to give us a bit of advice about how to pay off debt, and to share with us the new financial freedom training course he’s launched on his site.  Welcome, Jason!

pay off debt

I HATE DEBT! If you were to ask anyone that knows me well, they’d quickly tell you that I’m all about getting out of debt and staying out.

But hey, there are a lot of ways to get out of debt.  Some are intelligent and well thought out, and some just aren’t.

Today I’ll warn you against some of the common ways that people try to get out of debt that can put you in a much worse position than where you started.

At the end of the post I’ll also show you a great new resource for changing your financial life forever! Read more

How to Plan for a Large Vegetable Garden

Happy Friday, frugal friends!  Today we welcome back contributing writer Anita with some terrific tips for planning a large vegetable garden.  Thanks, Anita!

Years ago when I started gardening it wasn’t my intention to grow all the veggies that my husband and I would need for a whole year, I just wanted some fresh tasting tomatoes and a few other fresh veggies.

However, with the price of vegetables and fruits in grocery stores continually on the rise, I have made it my mission to grow and preserve as much of our food as possible, as a lot of other people across this nation are starting to do.

If the thought of a large vegetable garden appeals to you, here are some tips that can help your garden progress from hobby to serious food supply and planting a survival garden. Read more