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Cheryl's Sensible Cents - 1/15/2006 Get Rid of Debt Forever.
January 15, 2006

Did You Know?

Approximately 3 BILLION pizzas are sold in the US each year.
93% of Americans eat AT LEAST one pizza per month. (courtesy:

What's New?

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In this Issue:

Featured Articles:
Get Rid of Debt Forever - by Cheryl Johnson
The Effects of Christmas - by Barb Di Renzo

Homestyle Hamburger Helper
Chicken and Rice Casserole w/cheese

Money saving tips

  • Grocery Savings Tips
  • Recycling Tips
  • Cleaning and Laundry Tips

Quotable Quote

I'd like to live as a poor man with lots of money. - Pablo Picasso

Featured Sponsor

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Featured Articles

Get Rid of Debt Forever

Your "Get me out of debt!" solution
- by Cheryl Johnson

After the holidays, we often reflect on the increases in debt and wonder "How will I ever get rid of debt?" Now is the time of year that many will be screaming "Help, get me out of debt!" If this sounds like you, you may have what I call debtor's disease. You've been injected with the financially devastating virus by credit card companies, sneaky marketing campaigns, societies expectations ,and, yes, even your own self justification.

The holidays, in particular, have a way of fueling the affliction and encouraging us to throw caution to the wind.

Tis the season for:

  • Uncontrollable spending
  • Increasing your credit limits
  • Maxing out your credit cards
  • Applying for new credit
  • Buy now, pay later attitudes

It's no wonder by the beginning of the New Year we're scratching our heads (how did I spend so much?) as we calculate the numbers. But, simply screaming "help, get me out of debt" will not get rid of debt! You have to decide you've had enough and that you are ready to take back control of your money.

  • Have the recent buying sprees pushed you to your limit?
  • Are you tired of playing catch up and never making it to first place?
  • Are you ready to stop investing in credit card companies and start investing in yourself?
  • Are you ready take control of your money and make a plan for successful debt free living?


Free Budgeting E-course
Only you can know if you've had enough. There comes a point when anyone depending on credit cards to make it through life gets tired of living paycheck to paycheck and losing sleep over financial worries. Consider this, wouldn't it be nice to be debt free?

Imagine the burden lifted off your shoulders, your mind clear of financial worry, and clearly seeing your way to financial independence. It is a dream that many people in today's debt ridden society long to make come true. Your dreams of financial independence and security can be a reality because..........

Anyone Can Live Debt Free and
Everyone Deserves Debt Free Living!

So How Do You Get Rid of Debt?

The only effective way to lower and get rid of debt forever is to combine personal finance strategies that encourage debt free living. You may have heard them before. That's because they work! Each individually will help you on your way, but it will take a combination of debt free living strategies to successfully lower and get rid of debt forever.

Of course, these strategies may require change. Change in your habits, your lifestyle, your plans and goals. It may even require a change in perspective! A powerful tool for success. Combining budgeting, debt management and frugal living results in a powerful and successful plan to get rid of debt. Are You Ready for Your "Get me out of debt" Solution?

Steps to Successful Debt Free Living

Guest Article

The Effects of Christmas

-by Barb Di Renzo
Feeling the Effects of Christmas?You're not alone. Although the holidays are a special time to be with the ones we love and show them how much we care, most of us seem to suffer from post-traumatic holiday disorder shortly thereafter. We're no longer waiting for cards or cookies from the mailman, we know exactly what he has for us.

But just because you're keeping a good eye on the budget, that doesn't mean you have to go without. 'Tis certainly the season to barter for you or your family's needs. Most small businesses slow down this time of year and owners may be willing to barter for your professional services.

Reciprocal bartering doesn't necessarily have to be of equal value either. The one who provides the lesser value can have the difference paid in cash, still saving a substantial amount. A successful barter can also open up a new business relationship for future trades, saving you even more in the long run.

So while your using your gifts from under the tree, don't forget to use the other gifts you have as well...your skills and your imagination.

Barb Di Renzo is the Co-Owner and Editor of A worldwide barter website dedicated in providing consumers and business owners a variety of ways to barter services and goods at no cost. She is also the author of Barter 101, an informative guide for people who are new to bartering online.



With so much pizza being devoured on a regular basis, it's obviously a traditional favorite. Why not save money and make your own and you can enjoy a pizza almost anytime. This recipe makes three pizzas.

2 cups warm water
3 pkgs yeast (about 2&1/2 Tablespoons bulk)
6 cups flour
1 & 1/2 teapoons salt

Mix yeast and water. When dissolved - add flour and salt. Knead dough 10-12 times. let rise for 1 hour. Break dough into three parts. Spread each on an ungreased pan. Let rise 10 minutes.

3 - 8 oz. cans tomato sauce
3 - 6 oz. cans tomato paste
1/2 teaspoon oregano
1/2 teaspoon garlic powder
1/4 teaspoon pepper
2 Tablespoons Parmesan cheese
1 teaspoon. Worcestershire sauce

Mix all ingredients together. Bring to a boil - simmer for at least 10 minutes. Spread on dough.

Finish pizzas by topping with 1 1/2 lb. Mozzarella cheese and your favorite toppings (pepperoni, sausage, ground beef, pepper, ham, pineapple, green peppers, mushrooms, anchovies, etc.)
Bake 425 degree F. oven 10-15 minutes.

Chicken and Rice Casserole w/cheese

A great way to use up leftover chicken as well. This is a family size recipe (I feed six with it) Cut in half if necessary.

2 cans Condensed Cream of Chicken Soup
2 & 1/2 cups water
1 & 3/4 cup uncooked regular long-grain white rice
1 teaspoon onion powder
1/2 teaspoon ground black pepper
4-6 cups cooked chicken (white or dark) cut into bite size pieces (I use 2-3 large chicken breast, cooked, removed from bone, and cut into pieces)
1-2 cups of your favorite cheese, shredded (I use cheddar)


Mix the soup, water, onion powder, and black pepper in a large bowl, until mixed well. Stir in rice and chicken. Pour into a large shallow baking dish or pan (I use a 13x9x2 casserole dish). Cover. Bake at 375 degrees F. for 50-55 minutes or until rice is tender. Uncover, sprinkle cheese evenly over top of casserole and continue cooking until cheese is melted.

Homestyle Hamburger Helper

Serves 4
Brown in a skillet:
3/4 lb. ground beef
1 teaspoon salt
1/2 teaspoon pepper

1 Tablespoon finely chopped onion
1 stalk chopped celery
1/4 cup frozen or canned peas
2/3 cup fresh or canned tomatoes, chopped

While beef is browning, cook in salted water:
1 cup crinkly noodles (curly egg noodle type)
Drain noodles and spread over meat mixture.

Sprinkle over all:
1/2-3/4 cup shredded cheese
OR 1/3 cup grated Parmesan cheese

Simmer uncovered 15 minutes to blend flavors. Serve from skillet.- from

Send us Your Recipes

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Frugal Recipes

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Money Saving Tips

Share Money Saving Tips, Recipes, and Frugal Living Ideas.
Send in Your Readers Tips

Grocery Savings

  • Use day old bread or bread that has lost its' freshness to make french toast or grilled cheese sandwiches
  • My kids really don't like ground turkey as a replacement for ground beef. Ground turkey is usually much lower cost than ground beef is today. So, what I do is, combine ground beef and ground turkey in a 50/50 ratio to reduce costs in meatloaf, tacos, chili, home made hamburger helper, etc. They have never complained and enjoy all their favorite ground beef dishes just as much.
  • Recycling

  • Lone Cotton Socks
    Turn inside out and place over hand to use as washcloth glove. Works great.
  • Plastic Inserts in Bacon Package
    Wash and use to make your own stencils for crafts, home decorating, and art work.
  • Use old kitchen cabinets for storage in the garage or workshop
  • Small Stuffed Toys
    If you have a collection of very small stuffed toys accumulated from gifts and gift decorations, use them to make a mobile to hang in a young child's room.

    Cleaning and Laundry Tips

  • Cleaning Dentures
    Get stuck without your Efferdent? Soak dentures overnight in vinegar and water. In the morning, brush with baking soda
  • Plastic Lid Crevice Cleaner
    It's hard to get into the crevices around the outside edge of plastic lids with a dish cloth or sponge. Use a plastic scraper, old credit card, or old toothbrush to clean inside plastic lid crevice. Insert scraper inside crevice and slide around the complete crevice while running hottest water tolerable over it. For tough jobs, soak for several hours in 1/4 cup cascade added to dishwater, then scrap or brush crevice to lift out residue.

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