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Mortgage Insurance? Not on Your Life! Dear Mary: I just bought a house, and I've been getting a lot of flyers about mortgage protection insurance. Is it something good for a new homeowner or just a waste of money? — Donna, email Dear Donna: Great questions. "Mortgage …Read more. Tips That Make You Feel Like a Genius Secretly, I feel like a genius when I discover a secondary use for this or that — in case I run out of this, but have plenty of that! Like using a paper coffee filter to wash a glass top or mirror when I'm in a pinch for paper towels. Or using …Read more. Supermarket Tricks That Makes Us Spend More I've always thought of myself as pretty sharp when it comes to spotting supermarket trickery. I'm not even fazed by an end-cap display announcing, "Special." I know their ways. They hope we'll just assume that "special" means …Read more. The Struggle to Actually Use up Gift Cards My love-hate relationship with gift cards has intensified. What a pain, really. I'm one who just forgets to use them, and when I remember, I try to figure out how to use each one to the last cent. I was reminded of my situation recently when I …Read more.
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4 Tips To Help Parents Save Money Every Day

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Sometimes, cutting costs is more a matter of getting clever than it is waiting for things to go on sale. Take today's first tipster, for example. Rather than give up her family's favorite treat because it was too pricey, she found a clever way to purchase it in bulk directly from the manufacturer. What a great idea!

BULK BUYER. After realizing how expensive frozen yogurt has become, I asked my local shop owner whether he would sell me a bulk amount to keep at home in our freezer. The response? Sure, and that will be $37 for a three-gallon container. I made a note of the manufacturer label and found that it was from a local distributor, who sells that same three-gallon tub to the public for $18. What savings! Once we empty one of the huge cartons, we recycle it as a trash can or storage bin. — Marion M., California

STRING ALONG. I have small children who continually grow out of their clothes. Instead of making them try on clothes at a garage sale or secondhand shop, I cut a heavy string to the length of their pants from the waist to the bottom leg and from the shoulder of their shirts to the bottom. When I go shopping, I put the strings into a freezer bag and use them to see whether the pants or shirts that I want to buy are long enough. — Nicole J., Ohio

FRESH IDEA.

Our newspaper comes in a plastic wrapper every day of the year. Instead of buying those little diaper trash bags that cost a fortune, we save the newspaper bags and reuse them as dirty-diaper disposal bags. It keeps our trash can smelling fresher and saves on yet another expense. — Wendy B., Indiana

DEFYING DISTANCE. We recently welcomed our fourth child (and first girl) into the world. We weren't on the mainland to have a baby shower, so we were blessed by many people who mailed packages to us. To keep the many gifts and givers straight and to ensure appropriate thanks were sent, I took a photo of each gift with the giver's name and return address in the photo. This made it easy to recall who sent what and where the thank-you cards should be sent. Now when I see my baby girl wearing an outfit she was given as a gift, I snap a quick picture of her and e-mail it to the gift giver so the giver can see her wearing what he or she gave her. It's just one way to narrow the gap between our loved ones and us, even though we live an ocean apart. — Jennifer J., Hawaii

Would you like to send a tip to Mary? You can e-mail her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Include your first and last name and state. Mary Hunt is the founder of www.DebtProofLiving.com and author of 18 books, including "Debt-Proof Living" and "Tiptionary 2." To find out more about Mary and read her past columns, please visit the Creators Syndicate Web page at www.creators.com.

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Comments

4 Comments | Post Comment
I used the newspaper bags for diapers, 25 years ago. I also carried a doubled one in my car when I was pregnant, in case I needed a barf bag. (Thankfully, I didn't.) Now, I keep some on had for traveling. They are great shoe bags. I recycle them with other plastic bags.
Comment: #1
Posted by: Joannakathryn
Wed Sep 8, 2010 5:44 PM
Re: Joannakathryn
Thank you for sharing your brilliant ideas. I hope you keep commenting on this page. You have so many great ideas people can SWIPE (Steal With Integrity and Pride Everyday). That is a teacher term, so you are probably somewhat familiar with it.
Comment: #2
Posted by: Rachel Joiner
Wed Sep 8, 2010 7:34 PM
Re: Rachel--I always say "necessity is the mother of invention." When I was teaching, I loved getting ideas from other teachers. I was probably one of the few subs who actually enjoyed in-service day. I always taught "brainstorming" to my students, and in a way, I think these on-line columns are a form of that.

I am trying to reuse as much of my "stuff" as possible, so it's been a couple of years since I bought anything other than groceries or replacements for clothing that's worn out. Now, if I could get my husband to do the same. He recently threw away about a dozen containers of DAP that he'd let dry up, because he'd forget and buy more every time he hit Home Depot.

I've been reading Heloise and Mary Ellen all my life and I love helpful hints. Thanks for the compliment.
Comment: #3
Posted by: Joannakathryn
Thu Sep 9, 2010 11:28 AM
I heard a very unusual tip the other day. This young woman I know was fishing and had no way to keep her fish together so she took the underwire from her bra and that worked just fine!
Comment: #4
Posted by: creative gift ideas
Tue Sep 14, 2010 7:45 AM
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