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Wednesday, April 16, 2014

Celebrate Earth Day

Celebrate Earth Day by changing the way you shop and cook
Celebrate Earth day April 22, 2014  & every day!

  • Buy your meat, eggs, fresh produce from local farmers or farmers markets--it's healthier and generally uses lass packaging.
  • Grow herbs in your own back yard.
  • Plan to "pick your own":  Strawberries, peaches, apples are my favorites.  Pick your own incorporates healthy eating with an activity-a 2for 1 event which is always a good frugal option!
  • Grill out suing a gas grill-more eco-friendly and a LOT easier.  Natural gas burns cleaner than propane and high BTUS burn more energy.
  • Choose sustainable seafood for more information check out www.montereybayaquarium.org/cr/seafoodwatch.aspx
  • Read Animal, Vegetable Miracle by Barbara Kingslover
  • Compost.  Read www.howtocompost.org for tips
  • Use cloth towels for kitchen cleanups and cloth napkins instead of disposable
  • Keep your oven pre-heating time to a minimum
  • Make your lunchboxes waste free by wrapping sandwich's in waxed paper which can be composted. 
  • Keep the oven door shut while cooking.  Every time you open the door the temperature drops by about 25 degrees, increasing the cooking time
  • Cleaning your oven:  If you have a self cleaning oven, do this immediately after you've used it to take advantage of residual heat
  • Cooking on a gas stove?  The blue flame indicates efficiency
  • Use your microwave-it's energy efficient
  • Minimize the use of your garbage disposal
  • Refrigerators account for about 12% of your monthly energy bill-buy an Energy Star qualified appliance when replacing
  • Appliance seals minimize energy waste--make sure the seals on your oven, freezer and fridge work properly to help reduce electrical consumption
  • Use the toaster oven for preparing small meals
  • Recycle glass, plastic an newspapers
  • use cloth bags to carry home groceries
  • Run your dishwasher when it is full
  • Use items made from recycled products:  everything from glassware to garbage bags

Tuesday, April 15, 2014

Tax day Freebies


You've written the check or filed for an extension so you'll have time to save up the needed cash to pay your tax bill...

So...To ease the pain of tax day check out the link for a full list of all the Tax day freebies...

Arby’s
Arby’s is planning to offer a free Snack-Sized Curly Fry on April 15 at all Arby’s locations nationwide. Guests can visitArbys.com or Arby’s social channels to print a coupon.

Hard Rock Cafe
This year, on Tax Day, Hard ROck Cafe is cutting Americans a break across the country by asking them to lay down their wallets and pick up the mic! Warm up those vocal cords as Hard Rock Cafe opens up its stages to give fans a chance to “Sing for Their Supper” on Tuesday, April 15, 2014. On Tax Day, guests will have the opportunity to select their favorite song and take the stage to perform at their local Hard Rock Cafe. Guests who perform a complete song on their Hard Rock Cafe’s live music stage in front of the entire restaurant will receive a free dinner entrĂ©e from Hard Rock’s new menu. Singers can choose from a selection of new menu items and classic Hard Rock favorites, including the Grilled Vegetable Sandwich, Arugula Salad with Shaved Marinated Chicken, Legendary Big Cheese Burger or Veggie Burger as their free meal.

Orange Leaf Yogurt. To help ease the pain of Tax Day (4/15), all of the more than 300 Orange Leaf locations across the country will be offering customers a great deal: fill your cup for $4.15. On average, this amounts to approximately 50% off, depending on how much froyo and toppings the customer chooses. Claim the offer by visiting the Orange Leaf Facebook page and downloading a coupon.

http://www.forbes.com/sites/kellyphillipserb/2014/04/14/tax-day-freebies-promotions-deals-and-specials/?utm_campaign=forbestwittersf&utm_source=twitter&utm_medium=social

Wednesday, March 5, 2014

Preventing Water Damage and Leak$

To diminish the possibility of water damage to your home

1)  Check for leaks by periodically inspecting the following areas around:
  • refrigerator (ice maker malfunctions)
  • dishwasher
  • water heaters
  • sinks (watch for a drip, drip, drip)
  • toilets
  • ceilings (roof leaks)
  • yard (water lines)
Check for any discolored flooring or spots on the ceiling which may indicate a slow leak.  Soft spots , warped flooring or warm spots may indicate a slow or intermittent leak that has damaged the underlying flooring.




2)  Pay attention to your water bill.  Even a small drip can consume a gallon of water an hour!

3)  Use steel braided hoses for the washing machine which reduces the chance of them breaking as they age.  These cost more initially but if you've ever had one break you know how much you'll save in the long run.  Think of it as insurance!

4)  If you have pipes that are exposed to the outside walls and live in an area where temps drop below freezing-insulate your pipes to prevent a problem!

5)  Vacationing?  Turn off the water supply to the washing machine, ice maker, toilets, sinks in the event of unexpected issues.  Have a friend or family member regularly check your home...just in case!


If you have a leak:

We once had a ceiling leak that started as a small brown spot the size of a silver dollar.  We called the DAY we notice it.  By the time the adjuster came it covered about half the ceiling.  Before they repaired it water was streaming in through the damaged area and eventually ruined 4 rooms.  Photo documentation saves us a lot of hassle with our insurance agent.

1)  Turn off the water source if you can safely do so (remember water conducts electricity)

2)  Call your insurance agent as soon as possible.  Call back if you don't get prompt service.

3) Don't be afraid to fight for what you need.  We needed a tarp and it wasn't covered!  We argued that the expense to the damaged roof would more than exceed the cost of the tarp and our agent agreed.  Luckily for us (and them) they tarped us 2 days before it rained 6 inches in a 2 hour period!    My bathroom would have ended up in my basement with that amount of rain!

4)  Don't do any major clean up, start repairs or throw items away until you've met with the adjustor and they  have inspected the property.

5)  Take photographs

6)  Relax:  Stuff can be repaired or replaced!



Tuesday, March 4, 2014

Flo$$ your Teeth

I admit I am addicted to flossing my teeth!  SO much so that I have embarrassed my children because of it!  If you don't floss regularly, you may not understand my addiction...but flossing has so many health benefits some practitioners say it is the BEST thing you can do for your health.  Sounds Crazy, right?

I am lifting this article VERBATIM from the following website in the hopes you'll start flossing!

https://www.humana.com/learning-center/health-and-wellbeing/healthy-living/benefits-of-using-dental-floss

Add flossing to your daily dental routine and you’ll experience a cleaner, healthier smile. Most people either forget about flossing or put it low on their list of priorities because they are unaware of the importance or unsure how to do it correctly. But flossing helps clean the gaps between your teeth so that you're less likely to get gum infections or cavities from bacteria build-up. And with improved dental health, you may avoid the large bills that come with expensive dental procedures.

What is dental floss?

Dental floss is a tool you should use daily to remove food and bacteria build-up from in-between your teeth. Floss, which is commonly made out of plastic or nylon, is a thin thread that you place between your teeth and pull in order to clean the gaps. As you pull on the thread, you should remove food and debris.

Types of dental floss

The dental care aisle is filled with many types of floss. You can get most of them at your local supermarket or drugstore. Although each kind of dental floss uses some type of thread or ribbon, there are differences in materials and packaging.
Some floss is made out of dental ribbon rather than out of plastic or nylon string. Ribbon floss is smoother and more comfortable than traditional floss. For example, if your gums ache or bleed when you floss your teeth, you might want to try ribbon floss instead.
Automatic flossers are an option if you have a hard time perfecting your flossing technique or find flossing uncomfortable. When you turn the flosser on and touch it against your teeth, it uses a nylon filament to clean the spaces between your teeth for you.
You and your dentist can easily find one that best suits you or your family’s needs.

Benefits of using dental floss

Brushing cleans the surface of your teeth. You need to floss in order to clean out the gaps between your teeth, where bacteria often reside. If you don't floss, you're more likely to have plaque build-up, which can lead to cavities, tooth decay, and gum disease. If left untreated, gum disease can be a risk factor for heart disease, diabetes, and a high body mass index. In addition, bacteria can cause bad breath and having food or debris between your teeth can make them look less clean or white. Thus, flossing can help improve the appearance of your mouth as well as your dental hygiene and overall health.

How often should you floss?

It's more important to take your time and floss correctly than it is to floss often. If you floss several times a day, but do it quickly, you'll miss a lot of the bacteria and debris you need to clean out. This defeats the purpose of flossing. It's far better to floss only once a day and do it slowly so that you clean your entire mouth.
Of course, it's still important to floss regularly; if you don't floss at least once a day, you won't reap all the benefits.

Dental floss for braces

If you or your child currently wears braces, flossing is even more important. Food and bacteria can easily lodge underneath braces and cause permanent damage to teeth. However, you have to be careful when flossing so that you don't damage your braces.
Always use waxed flossing products if you have braces. Unwaxed products have less of a slippery surface and are therefore more likely to get caught or tangled in your braces. If enough floss gets tangled, it can pull a brace out of alignment or even break it.
There's a specific technique you should use when flossing your braces. If your children have braces, you may need to help them with it, as it requires a bit of coordination. Start with the teeth at one side of your mouth. Carefully thread the floss underneath the wire and between two teeth, then gently pull up and down. When you have flossed these two teeth, remove the floss from under the brace wire and throw it away. Repeat this procedure on the next two teeth. It may take a long time to floss using this method, but it’s the best one to use because it reduces the risk of breaking your braces.

Dental floss facts

  • Dental floss was invented in 1815 by a New Orleans dentist who advised his patients to use thin thread to clean between their teeth.
  • Johnson and Johnson patented dental floss in 1898; at the time, it was made out of silk.
  • Manufacturers began to use nylon instead of silk in the 1940s.
  • Some people falsely believe that you can't floss if you're pregnant, nursing, or wearing braces. In reality, there's a technique and material for everybody who wants to floss their teeth. Talk to your dentist about proper flossing techniques if you have any concerns.
Remember, flossing your teeth daily helps improve your general as well as your dental health.
References

Friday, February 14, 2014

My Fun and Frugal Valentine's'$ Card-2nd Annual

Valentine Cards are so expensive and since I hand make a lot of cards I really balk at the $4.99-$6.99 price tag.  For only a few bucks more I made this Fun and Edible card for my Dear Husband!  


Quickly becoming a tradition, Here is this years Candy Bar Valentine Card--the 2nd Annual. Choose your candy bars depending on the message you want to convey.  I bought one of almost everything I could find and let my imagination run with it.  Next year I plan on a naughtier version!


It Reads
Happy Valentine's SWEET TART!
When we first met I know you were EXTRA special!  We made the perfect DUO.  
Your love SATISFIES me (Back of the SNICKERS bar). 
I ROLO laughing sometimes.  You're my ALMOND JOY.
You make STARBURSTS in the MILKY WAY
I'd be an AIRHEAD not to <3 nbsp="" p="" u="">
25 Years ago HE asked HER and SHE said yes.  SKOR!
<3 di="" lady="" odiva="" p="" your="">

Since My name is Diana, I've been called DI since I was a little girl!  

Saturday, January 25, 2014

Paperle$$ Billing and Automatic Bill Pay

I have many of my bills scheduled to be paid automatically from our checking account.  It is usually free and you can often schedule it to coincide with your paycheck auto-deposits.

Here are a few of the bills I have set up on Auto pay
Gas and Electric (I am on the budget plan so I know how much my payment will be each month)
Car payments
Mortgage
Homeowners Insurance
College Education Fund

This saves me the stamp and any late fees that could be incurred if I am not keeping up with my bill paying (this happens when you are on vacation or have a family emergency).  If you have department store cards, another advantage is that you may earn points for signing up which can be redeemed toward future credits or purchases.

Most companies will mail mail a paper-bill if, for some reason, the e-mail is not delivered successfully  so you don't have to worry about that!


Wednesday, January 22, 2014

Baby, it$ cold out$ide!

My insurance company sent these out to help deal with the cold and snow.  It was -7 degrees in Louisville, KY this morning!

The Polar Vortex is still causing challenges all along the US with record cold temperatures and snow.  Many of our clients have experienced busted or frozen pipes, cracked wind shields and auto accidents all due to extreme cold weather and snowy conditions.  If you have been affected, we are deeply sorry!  

We have compiled a list of some helpful tips to help reduce the threat of some of these, as well as some insurance information to consider.


·     Open cabinet doors under sinks to allow heat to enter and keep pipes from freezing.

·     Keep a small, continuous stream of water running from the cold water faucet (the size of the water stream should be about the size of a pencil).

·     Locate the water shut-off valve in advance.  This is the valve that controls the flow of water into the house.  It's usually located near the hot water heater, in the basement or utility closet.  Turning off the water in the event of a burst pipe can minimize the damage. 

·     Cover the vents to crawl spaces.

·     If exterior faucets have shut-off valves inside, be sure to turn these off and open the exterior valve so it can drain out.

·     If you have a vacant home or building, set the heat to above 58 degrees.

·     Do not leave space heaters un-attended to reduce the risk of fire.

·     Keep a first aid kit and blanket in your car in case of emergencies.

·     We recommend the Comprehensive endorsement on your auto for glass coverage or Collision in the event of running off the road on black ice.

·     Review your insurance policy to make sure you have the coverages and deductible you need before something happens.