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Mortgage Lender Calling Every Hour All Day Long! Dear Mary: We are one month behind on our mortgage payments and plan to catch up this month. We have told our credit union we will pay half on the 1st and the second half on the 13th. This will bring us current. They call all day, every hour. When …Read more. Get Prepared One Tip at a Time The idea of emergency preparedness is a good one. Every family needs some kind of plan in the event of a kind of disaster that could disrupt the normal course of life. But where to start? Hopefully, these quick tips will do the trick to get you …Read more. Don't Be Scared, Be Prepared If there is one thing most people take for granted, it is food. U.S. supermarkets are always well-stocked, and we don't think much about how all that food gets there. When pushed to consider it, I wager most of us assume there are huge warehouses …Read more. So, You're Getting a Tax Refund! Discovering that you'll be getting a tax refund is certainly not the worst news you've had in your life. In fact, it's easy to see a tax refund as some kind of gift from the universe. But here's the truth: It's part of your paycheck that you should …Read more.
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Why Buy When You Can Borrow?


There are a ton of books in my local library. They even have newly released books, too. So why, instead of borrowing, do we buy books? By waiting just a little while, we can read that bestseller from our favorite author. Our first tipster has a great way to stay current — and save money, too.

KEEP BESTSELLER LISTS. I keep the bestseller lists from the New York Times book section; many are months old. Keeping those old lists makes it much easier to find bestselling books at the library, as the demand has waned from when these books were newly released. — Beverly, California

ASK FOR GIFT CARD BALANCE. I work at Bed Bath & Beyond. When a gift card is used, the balance left on the card is printed on the receipt. I suppose other retailers do the same with their cards, but if not just ask the cashier for the balance. Then keep track of it in your wallet. — Vicki, Michigan

ADD MAYO TO THE LICE. In my area, head lice are a real problem. There is one home treatment that seems to work. Starting at the top of your child's head, lift a small section of hair and apply regular mayonnaise onto the scalp. Continue until the entire head is covered with mayonnaise. Then, wrap cotton from a roll or gauze around the hairline and top with a shower cap. Leave on overnight. The next morning, have your child stand in the shower and rinse the hair with warm water. Follow with dishwashing detergent (this helps to get the oils out of the hair), and then finish with your regular shampoo and conditioner.

One treatment should do it.

But if not, just repeat. This home treatment has no harsh chemicals, and the hair gets a nice shine from the eggs in the mayonnaise. This is cheaper than the chemical treatments, and it's nontoxic, too. — Cindy, email

D.I.Y. CONDENSED SOUP MIX. I make my own condensed soup mix and use it in soups and casseroles instead of using canned from the store. Combine: 2 cups instant nonfat dry milk crystals, 3/4 cup cornstarch, 1/4 cup instant chicken bouillon granules, 2 tablespoons dried onion flakes, 1/2 teaspoon crushed dried basil, 1/2 teaspoon crushed dried thyme (optional) and 1/4 teaspoon pepper. Store in an airtight container. To substitute for one can of any condensed soup, mix 1/3 cup dry mix and 1 1/4 cups water in saucepan. Cook and stir until thickened. Add one tablespoon butter, if desired. — Carol, email

You can find dozens of ideas and recipes for making your own spice blends, dressings and mixes in my handy booklet, "Make Your Own Mixes." It's available as a printed booklet for $7 or an eBooklet to download for $5. To order either version: Visit our website at and click on bookstore; call 800-550-3502; or send your check or money order to Debt-Proof Living, PO Box 2099, Cypress, CA 90630.

Would you like to send a tip to Mary? You can email her at, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. Include your first and last name and state. Mary Hunt is the founder of and author of 20 books, including her January 2012 release "7 Money Rules for Life." To find out more about Mary and read her past columns, please visit the Creators Syndicate Web page at



1 Comments | Post Comment
No lice treatment works if you use it only once. Nits (lice eggs) stick to the hair and are very hard to find and remove. They hatch within 7-10 days and those adults will be ready to lay more eggs in another 7 days. The mayo treatment may work to kill adults, but it should be repeated at least 7-10 days later to catch the eggs that may have hatched. This is the same for the chemical treatment or any of the home remedies out there (vegetable oil, listerine, cetaphil etc.) Use whichever, but the key is to repeat it every week for 3 weeks at least and you MUST treat everyone in the family, not just the one head you find the lice on. And of course, wash all the bedding in HOT water and dry in a dryer to kill anything that might be on it.
Comment: #1
Posted by: CTC
Wed Apr 25, 2012 6:50 AM
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