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3 Reasons to Not Borrow from a Retirement Account 3 Reasons to Not Borrow from a Retirement Account Dear Mary: I am thinking of taking a loan from my 40l(k) retirement account to pay off my credit-card debt. I can repay the loan with payments taken directly from each of my paychecks, without any …Read more. An Ounce of Prevention Means Money in the Bank Today's topic is not pretty, but unless you have $8,000 earmarked for dental care, it could prevent a lot of pain — both dental and financial. Periodontal disease is an infection that affects the gum tissue around the teeth, the fibers that …Read more. How to Save a Bundle on Prescription Eyeglasses How to Save a Bundle on Prescription Eyeglasses In the interest of full disclosure, let me say right up front that when I first heard that we can now order our prescription eyeglasses online, I scoffed. I rolled my eyes. What next? Mail-order …Read more. Four Steps to Financial Confidence Four Steps to Financial Confidence For a good deal of my life, I lived under a dark cloud of worry that I would end up financially destitute. A survey conducted by Harris Interactive for Allianz Insurance Group reveals that I'm not the only one. In …Read more.
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Clever New Ways To Recycle Stuff

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The television show "Hoarders," on A&E, gives me the creeps. But perhaps that's a good thing, because it helps me define in my own home what needs to be recycled and what must be thrown away right now. Assuming that you are not looking for excuses to hoard stuff that you never will need or use, I offer the following clever ways that readers have found to add second lives to things that otherwise might be thrown away prematurely.

RECYCLED NAIL BRUSH. Rather than toss out a worn hand and nail brush, I kept it to clean tile and grout. It worked really well. The bristles, although a little worn, were still good enough to work with a little scrubbing. I liked it because, unlike the big brushes, it fit in my hand. Plus, my hand didn't get as tired. — Maria, Georgia

DISHWASHER RACK CADDY. Our 10-year-old dishwasher finally gave up. I decided the bottom rack with wheels would be good for putting stuff on and wheeling around. I currently have some plastic file baskets sitting on it, which I can move easily from one spot in my office to another. I also kept the silverware baskets from the dishwasher, thinking they might be handy for carrying utensils out to the barbecue area in our yard. They also make good holders of pencils and tools. There are endless uses for dishwasher parts. — Carol, e-mail

MICROWAVE PLATE REDO. I work at a recycling center where we get loads of microwave ovens, which are readily recycled. However, there's no market for the tempered glass microwave plates.

Rather than throw them away, I place them on the "reuse" shelf at the center and encourage patrons to use them for cake or dessert plates, serving trays and plant stands. These tempered plates come in all sizes and many shapes. Maybe the best thing about using them is that when you make your favorite dessert to bring to a friend or neighbor, you don't have to worry about getting your good plate back. — Marilyn, Texas

POP-UP BAG STORAGE. Store plastic shopping bags in an empty tissue box. It holds quite a few and stores them neatly with easy pull access when you need one. — A.M., British Columbia

WATER BOTTLE PACKAGING. Several years ago, I needed to ship a breakable item to a friend. To protect the item, I came up with the idea of using empty water bottles with lids. I stand them upright in the corners of the box and, if possible, line the bottom of the box with them, too. Then I layer some Bubble Wrap. I place a few bottles across the top of the item if I have extra space to fill. There is no room for the item to shift, which is excellent. One other benefit is that the box is much lighter with empty water bottles than it is with other packaging materials. I ship Polish pottery and pack the boxes using this method. — Sherry, e-mail

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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1 Comments | Post Comment
I'm hoping this is how I can receive Mary's e-mails each day.
Thank You.
Audinne
Comment: #1
Posted by: A. Hertz
Wed Oct 20, 2010 1:09 PM
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