New Tips for Winterizing Your Home

Oh Ranger! has some great tips and surprising facts for improving the heat retention in your home. Several ideas cost nothing to implement, and one insulation idea runs as low as 4 dollars in some stores. To check it out, visit this link, and stay warm!

Save Some Dough This December

. . . And have more money for baking. Glamour magazine’s December issue states that of those readers polled, 55% spend $500 or more on gifts. If you’re looking for ways to cut back on holiday spending (and who isn’t?), try these ideas:

• Give selectively. I am not the first to lament that Christmas has become an escalating consumer-fest, but have you really considered what that means for you ? I bet you can remember, right now, a recent time you gave a gift to someone and wondered why you needed to. The answer is: you don’t need to! Start your own campaign to give meaningful gifts and to give them meaningfully, which requires a) only giving gifts to those you wish to give to, and b) giving gifts for their significance and not their price or status. Those who love you will understand any reduction in quantity, and those who don’t? They don’t deserve a present, anyway.
• Give homemade. Simple homemade gifts, elegantly presented, are great for giving to those you know less intimately. It’s a way of being thoughtful without spending too much, and it’s not hard to find ideas that don’t require special cooking or crafting expertise. Consider trying these ideas: Cinnamon and Applesauce Ornaments; Holiday Gift Ideas (scroll down); and Gifts in a Jar.
• Send an e-card. I know, I know; they’re not made of beautiful paper with glitter, gilt, and ribbons, and they’re definitely harder to display in your home, but e-cards are often free, and the environmental benefit is great. Even if your family won’t stand for such things, send e-cards to your extended friend and co-worker network. It’ll save you money on stamps, cards, and gas to drive to the card store and post office. The Nature Conservancy has some pretty e-cards to get your started. You could even make your own; all you need to know is how to paste a picture into an email!
• Don’t buy into fancy trimmings. You don’t need the blow-up snowglobes (they reek of planet-wrecking anyway), the timed light display, or even the designer wrapping paper. Try focusing on the spiritual purpose of Christmas, and when tempted, remember that people care more about what is in the package than what it’s wrapped in.
• Cut down on the little things. Make a few sacrifices in your own life to meet more needs this holiday, especially if current conditions have you strapped for cash. Don’t buy unnecessary luxury goods like liquid hand soap (use a bar); special candy for your home (you’ll likely eat your fill elsewhere); and coffee from coffee shops (buy ground coffee in bulk and brew at home). Think ahead to save even more: can you push your haircut to right before peak holiday party time? Can you do all your shopping online or in one big day instead of making many trips?

One last tip: check RetailMeNot.com for coupon codes before making online purchases. Have a relaxing and simple holiday season!

Lower bills and energy use

TheNest.com has some novel tips for reducing energy loss in your home, as well as lowering other bills:

10 Ways to Cut Monthly Bills

Penny-pinching Tips

Found: frugal article to jumpstart your thriftiness. Location: About.com. Be sure to check out the two links in the article. The takeaway lesson: secondhand is a good thing.

6 Ways to Buy Things for Less

Simplify the Holidays

Once again, saving money often saves resources. Surprisingly, a commercial website, Right@Home, has a great list of (albeit brand name-dropping) tips for simpler, cheaper holiday celebrations and gift-giving.

How are you going to reduce waste in your life and the world this season?

A few ideas that readily come to my mind are: sending homemade, recycled-paper, or e-cards; making homemade wrapping paper and gifts; asking friends or family if they would be willing to forgo present-giving for a meaningful get-together; requesting or giving charitable donations in place of presents. Too many web resources exist on these ideas; do a search and check ‘em out!

Green Deeds That Save You Money

In the current economy, it’s harder to be consciously green. Some of us (myself included) might feel guilty when we can’t afford the organic this or the non-polluting that. There are, however, eco-friendly actions that can make a difference while saving us cash, and that’s something to be proud about. Below, five frugal ways to care:

• Stop the bottled water habit. Invest in a Brita-style water filtration system to cut down on needless resource and money waste.
• Buy fewer convenience foods. Look up recipes online for your favorite frozen or canned prepared meals and learn to cook them yourself for a lighter grocery bill and landfill load. Be careful, though; the ingredients you buy for some foods, like pizza, may add up to more than the prepared version’s price, so shop carefully.
• Unplug sleeping appliances. Summer’s fans and the T.V. in the guest bedroom aren’t doing your electric bill any favors, so unplug appliances not in use to save between 6 and 26% on your monthly payments.
• Keep your tires inflated. It might be a small difference, but improving your gas mileage is always good news for you and the planet, and it’s doesn’t cost much if you’re already at the gas station.
• Make it last. In our consumer society, folks are often more inclined to throw something away when the going gets tough than to attempt a repair. Next time your favorite clothes get ripped, stained, or too small, consider learning some basic sewing skills and care techniques to extend their life. Also, it may be cheaper to repair an appliance with a simple problem than to send it packing, but according to Nick Harder of the Orange County Register, “If the cost of repairing the appliance is more than 50 percent of its replacement cost, buy a new appliance.” Consult an expert when diagnosing the problem, but if it’s really time for it to go, don’t throw it away–recycle!

Chemical-minimal personal care products

Wisebread.com, a group blog for the frugal, has a great summary of some healthier toiletry options that are still mainstream brands and therefore easier to find in the stores and in the coupon books. Stocking stuffer and sale season is upon us!

Green Cleaning for Way Less (of Everything)

First of all, a shout-out goes to Ecollo for linking to my post on small habits with big consequences. It’s my first “official” link, and I’m stoked!

Now, to the topic at hand. Much as I love them, all of the green and supposedly-green cleaning products introduced or made popular recently can’t compare in economy to those made with multi-purpose household ingredients. Although I don’t clean as much as I should, I have for some years taken notice of the easily available materials that far surpass purchased products in simple, wholesome effectiveness. Despite the claims of all green cleaners, the simpler the product, the fewer the possibilities for allergic reactions and other harmful consequences from the ingredients. Natural, homemade cleaners have the potential to be better for indoor air quality and the health of our bodies and planet, if we do a little research first.

The heavyweight champion for general cleaning is white vinegar. It can be bought on the cheap, diluted, and used in countless ways (though some have tried to count them). Click here to go to Ideal Bite’s great post on the subject. Also, Heifer International’s World Ark magazine (September/October 2008) recently featured this tidbit on vinegar’s power as an antibacterial alternative:

A Simple Solution for Clean Produce

Those pricey bottles of produce wash aren’t the only way to make sure your fruits and veggies are bacteria-free. Good, old-fashioned white vinegar kills 98 percent of bacteria [emphasis mine], according to researchers at Cooks Illustrated and the Institute of Agricultural and Environmental Sciences at Tennessee State University. Simply mix one part vinegar to three parts water. Keep the solution in a spray bottle and use on smooth-skinned produce. Coat thoroughly–five or six squirts should do it–then rinse under cold water.

Be advised that some household cleaning standbys, like ammonia and chlorine bleach, may be traditional but not most desirable; gentler products are available, such as baking soda, tea tree oil, lemon juice and more. EarthEasy’s page has good starter information on safe and natural cleaning materials and formulas for specific jobs. As always, the web is an abundant resource, but use caution when following advice, and never mix products containing ammonia and bleach.

Finally, many books have been written for those on the quest for a cleaner, greener home; a classic is Better Basics for the Home by Annie Berthold-Bond. If you have any must-use formulas, feel free to share!

Regis and Kelly Go Green

Today’s Live With Regis and Kelly show is part of a “Green Week” series, and it featured several of the tips I’ve discussed here for saving money while going green: cutting down on junk mail to reduce spending; buying in bulk at the grocery store; and using clean greening products (bought or made). Other great ideas include eating out less for lunch to reduce paper (and money) waste and taking fewer short trips by car in favor of bicycling or walking. I was a bit disappointed that the recommendation to plant trees and shrubs around one’s house for greater heating and cooling economy didn’t caution against non-native species, but the intentions were good.

Check out the full list of tips here at the Green Week site by clicking on “Save Money.”

Paper Redux, Part Two: Junk and Other Mail

The outcry began almost a decade ago, but now there are finally several options for reducing the flow of unwanted catalogs. Catalog Choice users select catalogs from the list provided, and the site takes care of removing users’ names from the mailing lists. As more people use the service, Catalog Choice says it will be able to acquire more catalogs for its list.

GreenDimes costs $20 for a several-year benefit but includes a larger list of catalogs and other junk mailings. I know people who have used this service and are satisfied with the results. If you are swimming in junk mail, what could it hurt?

SmartMoney.com has a useful article on other ways to stop junk mail, including those pre-screened credit card invitations some people can’t resist.

One final tip for stemming the white tide: pay your bills and receive you banking, credit card, and investment statements online. Many institutions now provide checking and savings accounts with free online banking, so ask at your bank first before making a switch. Financial institutions take many precautions to insure, as much as anyone can, that your identity is protected, and not having to deal with the paper copies is a priceless benefit. Above all, remember this: you’re helping the environment with every piece of mail you avoid.