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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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Skip the Kit, Grab the Eraser

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Over the years, I've come to the conclusion that for every situation there's an expensive way to solve it and there's a cheap way. Discovering the cheaper alternative is what readers of this column do so well. And when they share their discoveries with all of us, it's a good day!

HEADLIGHT MAGIC. The plastic headlights on my old car had yellowed, and replacing them was going to be costly. The kit to restore them cost $15 at the auto parts store, so I decided to try Mr. Clean Magic Eraser. It worked great. I suggest testing a small area first. You can always buy the headlight kit, but Mr. Clean Magic Eraser will save you money. — Ginny, Wisconsin

INSIDE THE SALE. Pillow forms can be very expensive. When I need one, I shop the clearance sales at my local department store. I find hideously ugly pillows that no one would buy, for a much, much lower price than I would pay for a pillow form at a fabric store. The key is to find pillows with a zipper, or at least make sure there is a liner between the stuffing and the cover. I recently purchased two down throw pillows for $5 each. I removed the ugly Christmas-themed cover and sewed new attractive covers that now decorate my couch and living room. — Jennifer, Oregon

BABY THE STAINLESS. My stainless steel stove always had fingerprints and smudges. I would clean it and polish it, but it never stayed clean. I recently got a new stainless steel dishwasher, and my cleaning lady told me she only uses baby oil to clean stainless steel appliances.

I tried it, and it works beautifully. It not only cleans, but it lasts a long time, too. My stove and dishwasher look great all the time. I wipe the baby oil on gently and then wipe it again with a clean, soft cloth. — Bonita, Missouri

CRACKER CRUNCH. A delicious and inexpensive alternative to croutons is to break up crackers and put them in salads. Any cracker works well. I love those little oyster crackers. I've grown to actually prefer crackers to croutons! — Rachel, email

PLANT FOOD RECIPE. Instead of buying expensive plant food, I mix 2 tablespoons of Epsom salts in a gallon of water. I water my plants once a week with this solution. My plants love it, especially my Geraniums. — Marj, Kentucky

DAILY DOGGIE SCRAPS. I keep a small covered bowl on my countertop. During the day, when I open a can of veggies or fruit and I don't want the liquid, I pour it into the bowl. Depending on what my family has for dinner, I may scrape the food from the pots and dishes into the bowl, too. For their evening meal, I take the day's tasty mixture and add it to my dogs' food. — Jil, email

Would you like to send a tip to Mary? You can email 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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