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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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Simple Ways To Teach Kids To Be FrugalWise parents look for daily opportunities to teach important lessons to their children. It appears from the "Everyday Cheapskate" mailbag that lots of readers are using these teachable moments to develop in their children the gentle art of frugality. CRUSTS FOR QUACKS. When my kids make their sandwiches for lunch, they cut off the crusts. Instead of throwing them away, I collect them in a bag in the freezer. When it's full, we go to the park and feed the ducks. — Stella S., Texas TEEN GIFTS. Birthday gifts for teens can really blow your budget. My teenage girls love giving and getting collages of meaningful pictures and funny phrases cut from current magazines. They mount these collages on poster board or foam core or frame them for cute gifts. Then they write sweet letters on the backs. — Stephanie A., Maryland FRIENDLY FAMILIES. I found a great Web site, called BabysitterExchange, where parents can create their own communities to keep track of baby-sitting, pet-sitting and other family-related tasks. It's not just for baby-sitting. The site uses a point system to keep everything fair, and it is FREE! This has been a wonderful tool to help make date nights with my husband possible. — Ginger O., e-mail PIZZA PERFECT. My kids love it when we have pizza night. I prepare a couple of bags of pizza mix and divide the dough.
DIAPER WIPES. My daughter had a horrible diaper rash, and store wipes stung the area. That's when I found this homemade recipe: Saw one roll of high-quality paper towels in half with a sharp kitchen knife to create two short rolls. Save one half for later. Remove the core from the other half, and put it in a container that has a lid that seals tightly. In another container, mix two cups of warm water with two tablespoons of Aveeno Baby soothing relief creamy wash. Add one tablespoon of Burt's Bees vitamin E body and bath oil and an optional 1/2 teaspoon of jojoba oil. Pour the mixture slowly over the paper towels so it gets absorbed thoroughly. Seal the container, and turn it upside down overnight. It will be ready for use in the morning. — Alexis, Michigan 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. COPYRIGHT 2010 CREATORS.COM
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