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Cheryl's Sensible Cents - 7/01/2006 Newsletter
July 01, 2006
In this Issue:Featured Articles
Budget Backyard Vacations - Cheryl Johnson
Six Ways to Get the Best Student L/oan Consol/idation
Changing Your Husband - Tawra Kellam
Home Bus-iness Ideas - Cheryl Johnson
DebtSmart Column: Ten Financial Questions You Should Ask Yourself Today
Money Saving Tips
Almost any man knows how to earn money, but not one in a million knows how to spend it. - Henry David Thoreau
Did You Know?
Recycling one glass jar saves enough energy to watch TV for 3 hours
Budget Backyard Family Vacations
When travel and lodging are cost prohibitive, you can still have a vacation right at home. Yes, in your own backyard. Many of us live within reasonable distance to museums, campgrounds, historic sites, and beautiful state parks. You might be surprised at what you find in your own local area.
Do some research in your area to find free or low cost activities and sites to visit. Schedule something for each day of the week, even if it's just a park visit for a picnic. Some areas have local public beaches. Plan an outing at a local public beach. Visit historical sites. Many of these are free, educational, and fun for parents and kids.
You can even plan activities at home just as if you were at an exotic vacation spot. Have a different theme for each day. For example:
1. Beach day - sun tanning, volley ball, make some fancy icy drinks to sip on in the sun, have a picnic.
2. Camp day - stay in a tent or sleeping bags under the stars, build a little fire if allowed in your area, roast marshmallows, make smores, sing campfire songs.
4. Colonial day - dress, and live in another era!. This is great fun. I thought of this one purely by accident when the electricity went out one day. The kids expressed how "neat' it was to live like they did in the "old days." No lighting except candles and lanterns, no T.V. or radio, no video games or computer. Sounds boring, but believe it or not, they had fun coming up with ideas to keep occupied. A good teaching tool too! Shhhhhhhh….. don't tell the kids.
5. Cultural Day - Live, celebrate, dress, and eat as you learn about different cultures. Some examples might include an Irish, Native American, or Spanish Day. Another great learning experience. Try to include some ethnic games to make it even more fun and interesting.
These "theme days" at home will take some imagination and a little work, but will be loads of fun for everyone. Half the fun will be in the creation, so let everyone pitch in. With a little imagination and creativity you can have a wonderful vacation right in your own backyard. You may even have more fun than actually being in another part of the world!
Be Sure You Get the Best Student Loan Consolidation
Student loan consolidation can be one of the greatest resources for students to pay for their college fees. However, the rates may also be a burden. Especially, if you were not able to choose the best ra/te for your financial situation when you first applied for student loans. Before you sign up on any plan, always remember to consider the ra/tes involved with their plans and do a little research first... Read On
Changing Your Husband
Home Bus-iness Ideas
Yes, YOU can w/ork at home and be successful! Figure out what it is you love to do and find a resource that helps you use that passion to wo/rk at home. You will be successful if you work at something you ...
Here are a few home bus-iness ideas to get you thinking... Read On
The Grocery Book
2 lbs. ground Beef
Brown beef, breaking into small pieces with fork. Add remaining ingredients and cook together over low heat for 15 minutes. Serve on warm sandwich rolls.
2 Tablespoons butter or margarine
In a large saucepan, melt butter. Add leek (or onion) and cook for 5 minutes. Add remaining ingredients, except corn. Cover and simmer for 40 minutes, or until potatoes are tender. Add corn and heat for 5 minutes. Makes 4 one cup servings.
1 cup chopped celery
Make sauce by combining:
Combine all vegetable ingredients. Heat sauce until sugar melts and then pour over vegetables. Let stand overnight in refrigerator before serving.
Need ideas for dinner or recipes?
Money Saving Tips
Send in Your Reader's Tips
Visit our money saving tips directory here
1. Use rubbing alcohol to remove hairspray from mirrors.
2. To clean a narrow vase - Drop a denture cleaning tablet in vase filled with water. Let soak (as with dentures) to remove dirt and debri from hard to clean vases.
3. Deodorize a cutting board by rubbing with a cut lemon.
4. All purpose cleaning solution:
Alternative Uses for Common Household Items
Uses for Pantyhose
1. Find a tiny lost item - Lost an earring, earring back, small stone from a ring, contact lens? Find it easily using a pantyhose vacuum filter. Cut leg of pantyhose (keeping toe section in tact) to fit over the nozzle of your vacuum hose. Slip it over the hose opening and attach tightly by wrapping with a rubber band. Now carefully move the hose over the area where lost item is with vacuum on. It will pick up the lost item which will be attached to the pantyhose filter.
2. Use as toy stuffing to repair or make stuffed toys.
3. Cut small circles from legs to make ponytail holders.
4. Cut in small squares and store to use for nail polish removal (instead of cotton balls).
5. Buff shoes. Shine freshly polished shoes. Works just as well as chamois cloth.
6. Make potpourri sachets. Hang throughout the home or in the car as freshner.
7. Keep deer out of the garden. Make human hair sachets and hang around the perimeters of the garden to deter deer.
8. Use to tie young trees, tomato plants, etc, to stakes. They are flexible enough to allow for easy growth.
1. Breck shampoo can be used as a stain treatment for grease, blood, grass stains, ink, etc.
2. Use a five gallon bucket w/lid to soak diapers before laundering. Control odors in diaper soaking pail by adding 1/4 cup borax.
3. To prevent ring around the collar, wipe neck with rubbing alcohol before dressing.
4. Laundry soap booster - adding 1/4 cup baking soda to front loading machines or 1/2 cup to top loaders will boost laundry detergent cleaning power.
5. Scrub underarm stains from shirts and blouses using equal part water and lemon juice (or white vinegar)
6. Toss used dryer sheets in the clothes hamper for odor control.
Silver Leaf Jar
You will Need:
1. Cut foil to fit around outside of jar, leaving enough at top to fold inside the top of jar.
2. Dry leaves with paper towels and glue onto cardboard. When dry, cut leave shapes out of cardboard.
3. Glue the cut leaves, cardboard side down, to the outside of jar. Cover as much of jar as possible, let dry.
4. Very gently crush the foil in your hands, then smooth out. This makes it easier to handle. Spread glue all over dull side of foil. Carefully press foil all around the sides of the jar (do not cover base) and tuck the excess inside the tip of jar. Using the soft toothbrush, gently tap all the leaves so that their pattern shows through the foil. Cover the lid with foil and screw it on to jar.
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