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Cheryl's Sensible Cents - 6/01/2006 Newsletter
June 01, 2006

What's New?

DebtSmart Column

In this Issue:

Featured Articles
Stuff Happens. Be Prepared!
Great Graduation Gifts
Springtime Car Care
Do You Want to Work at Home and Just Don't Know How?
DebtSmart: How do You Want to Live?

Lazy Man's Peanut Butter Cookies
Refrigerator Rolls
Homemade Tartar Sauce

Money Saving Tips

  • Alternative Uses for Common Household Items: Uses for Newspapers
  • Grocery Savings Tips
  • Household Tips

Craft Ideas
Potato Man

Quotable Quote

The greatest wealth is to live content with little. - Plato

Did You Know?

The Median income of households with householders 65 and older, in 2004, was $24,509.

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Featured Articles

How Do You Want To Live?
-by Scott Bilker

People always ask kids, "What do you want to do/be when you grow up?" I'm sure you remember the question well. A fireman, policeman, scientist, doctor, social worker, teacher, superhero, etc. are some popular answers.

The truth is that people have many interests and talents. Someone may be just as happy being a lawyer as a teacher. That's why I believe the better question to ask is "How do you want to live?" Do you want to live in a mansion or a shack? Do you want a chauffer or bicycle? Do you want to live in the city, country, on a farm, an apartment?

I believe that you need to decide what you want to do based on how you want to live your life. Time after time, I've read about studies showing that ,in general, people do get what they strive for. In fact, I just ran into a friend of mine from high school. He was my lab partner in biology. He wanted to be a podiatrist, which was great since I really didn't want to dissect that pig. He did everything.

Guess what he's doing today? Okay, he's not a podiatrist, but he is a neurologist. He still became a doctor. My other friend always wanted to be in construction and now he's the owner of a very successful construction company.

If you think back, you will probably discover that most people who pursued what they wanted achieved their goals. That's why it's so important to have the right goals. Pursue dreams that will give you the future you want with your career. But, let's not forget something that's equally important, which is the quality of your off-time and family life.

If you really love helping people, doing social work, or being a camp counselor, that's great! But if you, at the same time, want to live in a huge house by the shore, then you will be disappointed that the social worker salary isn't going to let you live in that manner.

It's a combination of what you want to do and how you want to live. Pick one of the things that you love to do, that will pay for how you want to live. That's my two cents on this issue.

It's never too late to start. You might be thinking, "I did get what I wanted, but now I want something else." Fine. Believe it in your heart. Work toward that goal. Stay focused and as before, you'll reach your goal. Just be sure you choose carefully because if you work hard you will get what you want!

As Thoreau said, "In the long run, we only hit what we aim at."

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:

Stuff Happens. Be Prepared!

- Cheryl Johnson

As children, if we learned nothing else from those "scary" nursery rhymes, it should have been that "stuff" happens! Scary? Yes, Scary! Jack fell down and broke his crown........ Humpty Dumpty fell off the wall (worse yet, they couldn't put him back together again!)... The wind blew and down came cradle, baby and all... little Miss Muffet had her meal interrupted by a spider... and two little Piggies got there houses blown down. Is that scary enough for you?

What's with these nursery rhymes? Were our parents trying to raise a generation of Stephen Kings?... Read On

Springtime Car Care

Getting your vehicle in shape now will undo the wear and tear of winter driving, and can help prevent unnecessary breakdowns during the dog days of summer. Tips from the National Institute for Automotive Service Excellence.... Read On

Great Gifts for Graduates

Free e-book Money for Life
The arrival of graduation season may have you fretting over how to find just the right gift for that special graduate in your life. Graduation gift-giving doesn't have to be hard. Some creative thinking, and delving into your graduate's future plans and current interests, can help you give a memorable graduation gift.... Read On

Do You Want to Work at Home and Just Don't Know How?

Would you like to join the work at home force and just don't know where to start? This idea is increasingly becoming more popular. More and more parents are longing to stay at home, spend more time with their family, and have greater opportunities for success...Read On


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

Lazy Man's Peanut Butter Cookies

2 egg whites
1 cup sugar
1 cup crunchy peanut butter
1/2 teaspoon almond or vanilla extract

Beat egg whites until stiff. Beat in sugar, then fold in peanut butter and the extract. Drop by spoonfuls onto greased cookie sheets. Bake 15 minutes at 350 degrees F. Remove from oven and let sit a minute before placing on cooling racks. Makes about 4 dozen.

Ice Box Rolls

2 cups milk , scald
2 level Teaspoons salt
3 Tablespoons sugar
1/3 cup shortening
2 *cakes compressed yeast
6 cups sifted four (about)
*Note: 2 cakes compressed yeast = approx. 4 1/2 teaspoons bulk yeast or 2 pkgs.

When using pkg. or bulk active dry yeast - Reserve 1/4 cup hot milk and cool to lukewarm. Add yeast to disslove. Blend hot milk, sugar, salt, shortening. Cool. (*If using compressed yeast cakes add broken yeast cakes now) Mix in dissolved yeast. Add 1/2 of flour and beat well. Slowly add more flour to make a soft dough. Turn on floured board, knead about 8-10 minutes adding flour as necessary.

Place in greased bowl and spread with melted butter. Cover. Let rise in warm place to double it's size (2-4 hours). When dough is light, cut down through dough several times. Cover, place in refrigerator until ready to use. Then take desired amount of dough, form into rolls, place in greased pan, let rise 2 hours until light. Bake in hot oven, 425 degrees F., about 20 minutes.

Homemade Tartar Sauce

1 1/2 Tablespoons minced sour pickle
1 Tablespoon minced chives
1 Cup Mayonnaise
Pinch of Paprika
1 teaspoon minced capers
1 teaspoon minced green olives
1 Tablespoon Vinegar
Celery salt, red pepper, onion powder

Mix first seven ingredients well. Add celery salt, red pepper, onion powder to taste. May be used immediately or stored in refrigerator for later use.

Send us Your Recipes

Need ideas for dinner or recipes?

Best Home Baking: Old Farmer's Almanac Home Library -Go to Recipes & More Section
Recipe Secrets
Free Recipes at ClubMom!
Country Cooking Recipes
E-Cookbooks Library

Money Saving Tips

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

Visit our money saving tips directory here - Save money everyday on everything you do and buy!

Household Tips

1. Use old panty hose to make hair scrunchies. Cut strips across, about 1 inch wide, from legs of panty hose to make pony tail holders. Works great!

2. Patch a window screen - Cut appropriate size patch of screen from an old screen and glue into place.

3. Make a tape measure holder from an empty adhesive tape spool (as in medical tape) Use spool cover to keep neatly wrapped and free from dust.

4. Recycle rain water from gutters - use corrugated pipe attached to drain spout to send water to plants and/or gardens.

5.A lump of charcoal in the fridge will absorb odors.

6. Silver Cleaning Shortcut - Place a sheet of aluminum foil in the bottom of a dishpan. Add about 2 quarts of warm water, 2 Tablespoons each baking soda and salt. Place each piece of silverware in dishpan so that it touches the foil. Tarnish will disappear.

Alternative Uses for Common Household Items


1. Packing material - Use to pack glassware and or knick knacks when packing to move. or in mailing packages.

2. Paper towel replacement - Crumpled newspaper works well to clean and shine windows, mirrors, etc. instead of paper towels.

3. Absorb moisture in wet shoes - When shoes get soaked, stuff with balled up newspaper to absorb water. Replace as needed depending on how wet shoes are.

4. Broken glass clean up - wet paper and blot area to pick up small chards of glass after larger pieces of broken glass are picked up and discarded. Glass slivers stick to the wet paper which can then be discarded safely.

5. Use to store boots or purses - stuff purses or boots to hold shape while in storage.

6. Deodorize - stuff crumpled newspaper into old suitcases, wooden boxes, plastic storage containers, etc, close container (with newspaper in it) for three or four days to eliminate odors.

7. Travel ironing board - If your motel doesn't provide an ironing board, you can make your own. Use the pillow case and place a short level stack of newspaper inside. Place on countertop or floor to use as ironing board.

8. Out of painting tape? - when painting window frames, wet paper strips and place on window as you would paint tape to prevent paint from getting on window. The wet paper adheres to window and removes easier than tape.

Grocery and Food Savings

1. Lemon Keeper - To keep lemons for extended period of time, put whole lemons in sterilized canning jars, cover with cold water, adjust rubber rings, and screw covers down tightly. Not only will they stay freah for months, they will yield a lot more juice than when first bought.

2. Bring life to Canned Orange Juice - Canned orange juice lacks that fresh squeezed taste partly because the air is removed during canning. Economical canned orange juce should be stirred vigorously, or aerated with a beater or blender, to "bring back to life" and improve taste.

3. Store strawberries in a colander in the fridge to keep fresh. This allows cool air to circulate around them.

4. Save on sugar when making jam - Let fruit boil for about 10 minutes before adding the sugar. About half the usual amount should be enough.

5. Use up leftover coffee - make yourself an iced chocolate mocha. Combine 1 cup strong hot coffee, 3 cups milk, and 1/2 cup chocolate syrup. Beat with egg beater or mixer until frothy. Pour over ice in medium size glasses and top with whipped cream if desired.

6. A cup of milk called for in a recipe can be substituted with 1/2 cup evaporated milk and 1/2 cup water, or from 1/2 cup nonfat dry milk mixed with 3/4 cup water.

Reader's Tips

Please share your tips

Craft Ideas

Potato Man

You will Need:
1 very large potato
Package of Cress seeds
Plastice plant saucer
piece of carrot
piece of turnip
1 radish
two toothpicks or used matchsticks

1. Cut a slice off the bottom of the potato so that it stands straight. Cut out a hollow about 1 1/4 deep out of top of potato, according to the size of your potato.

2. Cut two small round pieces of carrot to make eyes, shape a small piece of radish (triangle like) for the nose, cut a mouth from a piece of turnip (make small slits to look like teeth if desired). Break the toothpicks into small pieces and secure the eyes, nose and mouth to the potato face.

3. To make hair, fill the hollow with wet tissues and sprinkle plenty of cress seeds on to it. Pour some water into the plant saucer and stand the pototo in it. After a few days, the "hair" will be long enough to cut (wash "hair" and eat if you want!)

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