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Cheryl's Sensible Cents - 8/01/2006 Newsletter
August 02, 2006

In this Issue:

Featured Articles
Back to School Savings

DebtSmart Column:


Money Saving Tips

  • Alternative Uses for Common Household Items:
  • Household Savings Tips
  • Craft Ideas

    Quotable Quote


    Did You Know?

    Featured Articles


    Scott Bilker is the founder of and the author of Talk Your Way Out of Credit Card Debt, Credit Card and Debt Management, and How to be more Credit Card and Debt Smart. Send your questions about money, credit, loans, mortgages, or debt, to him at: Scott Bilker, PO Box 563, Barnegat, NJ 08005-0563 or online at:

    Back to School Savings Tips

    - Cheryl Johnson

    Safely surviving the summer, they (the kids)now get ready to bravely walk the halls of peer scrutiny. Hard to believe that they could actually be excited about it. But, they are, as they have always been each year before, eagerly anticipating the big day.

    I've pretty much got this back to school readiness thing down to a science by now. My oldest of four children is entering the 11th grade and the youngest is starting 5th.

    Here's how I deal with the back to school essentials... Read On

    Back To School Readiness: Not Just Supplies

    Free e-book Money for Life

    Preparing your child to go back to school doesn't mean just having the right supplies. Help your child get ready to go back to school.

    Whether it's their first day of school or they are experienced students going back to school, being prepared will ease the anxiety. Little ones, and teens, will be better prepared to handle going back to school if they are prepared and know what to expect!.... Read On

    ... Read On


    Save on Groceries and Cook Great Meals
    The Grocery Book
    Just $19

    Potato Soup

    3-4 potatoes, peeled and diced
    1/4 cup celery, chopped
    1 1/2 cups water
    2 Tablespoons butter or margarine
    1 quart milk
    1 Tablespoon parsley
    2 hardboiled eggs, diced
    salt and pepper to taste

    Cook the potatoes and celery int hewater and butter until tender. Then, add the milk, seasonings and eggs and heat thoroughly. - The Best of Amish Cooking

    Cucumbers and Onions

    2 Medium Cucumbers
    2 Medium Onions
    2-3 Tablespoons Mayonnaise
    1 Tablespoon Sugar
    1 Tablespoon Vinegar

    Peel cucumbers and slice thin. Layer in a shallow dish, sprinkling each layer with salt. Let stand overnight. In the morning, drain cucumbers and rinse. Let dry on paper towels.

    Slice onions thin. Mix gently with the cucumbers. Beat together the mayonnaise, sugar, and vinegar until creamy. Stir into mixed cucumbers and onions.

    Mock Apple Pie w/Zucchini

    Use big zucchinis, but still tender enough to pierce the skin easily with your thumbnail. Peel, cut in quarters lengthwise, remove the seeds and slice crosswise.

    4 cups sliced zucchini, cooked until tender crisp
    2 Tablespoons lemon juice
    dash of salt
    Mix in a bowl:
    1 1/4 cups sugar
    1 1/2 teaspoons cinnamon
    1 1/2 teaspoons cream of tartar
    1 1/2 teaspoons cornstarch
    1/2 teaspoon nutmeg
    3 Tablespoons flour

    Add the zucchini and mix well. It will be runny. Dump the filling into a 9 inch pie crust and dot with butter. Add the top crust and bake at 400 degrees F. for 40 minutes or until golden brown.

    Send us Your Recipes

    Need ideas for dinner or recipes? -Go to Recipes & More Section
    Recipe Secrets
    Free Recipes at ClubMom!
    Country Cooking Recipes
    E-Cookbooks Library

    Menus On A Dime: Quick Dinners
    The Quick Dinners eBook is designed to help you with meals you can prepare in 20 minutes or less. includes 24 recipes, 34 tips, 10 menu plans, dessert ideas and a weekly menu worksheet. Order it today for only $6.95

    Money Saving Tips

    Share Saving Tips, Recipes, and Frugal Living Ideas.
    Send in Your Reader's Tips

    Visit our money saving tips directory here

    Household Saving Tips

    1. Instead of removing the foil seal from Salad dressing completely, just poke several holes in it and shake salad dressing on instead of pouring it on.

    2. Use coffee grounds from a drip coffee maker to fertilize acidic-loving plants like rosebushes, azaleas, rhododendrons, evergreens, and camellias who a

    3. Serve Kool-aid and water instead of expensive sodas during hot weather months when kids crave a cold drink.

    4. Keep fresh cut flowers fresher longer - add 3 drops bleach and 1 tsp sugar to each quart of vase water.

    Alternative Uses for Common Household Items

    Uses for Spices

    1. Treat a minor cut to stop bleeding with a pinch of alum (a pickling salt)

    2. Air fresheners - Toss a handful of whole cloves, cinnamon, nutmeg, allspice, or a combination of any into a pot of water and simmer on stovetop for about 30 minutes.

    3. Keep ants out of the sugar canister - tape a bay leaf to the inside of the canister to deter these pests. Also, works in cupboards.

    4. Sweet Feet - Crumble a leaf or two of sage into your shoes before putting them on. Kills odor causing bacteria. Shake remaining sage into trash at end of day.

    5. Hair tonic for shine and color enhancement -

    Dark hair: use 1 Tablespoon crumbled sage or 1 sprig chopped fresh rosemary or a mixture of 1 teaspoon allspice, 1 teaspoon ground cinnamon, and 1/2 teaspoon ground cloves.

    Blond hair: 1 Tablespoon chamomile.

    Pour 1 cup boiling water over the herb or spice mix, let it steep of 30 minutes, strain it through a coffee filter, and let cool. Pour it repeatedly over your hair (use a dishpan or large bowl to catch tonic and re-apply). Use as a final rinse after shampooing.

    Reader's Tips

    Please share your tips

    Craft Ideas

    You will Need:





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