>From: "Amanda Formaro" <[EMAIL PROTECTED]> >Subject: Frugality Corner (FORMERLY Frugal Mom Weekly!) >Date: Sun, 6 Jan 2002 13:15:59 -0800 >X-Unsubscribe: send a blank message to [EMAIL PROTECTED] >To: [EMAIL PROTECTED] >X-RCPT-TO: <[EMAIL PROTECTED]> > >Welcome to FamilyCorner.com Magazine's >F R U G A L I T Y C O R N E R >_________________________________________ >Weekly frugal tips from Mom to Mom... >http://familycorner.com > >January 5, 2002 > >Click that forward button and >share this with your friends! >_________________________________________ > >E D I T O R ' S N O T E > >I have decided to change the name of Frugal Mom >Weekly to Frugality Corner. We don't want there >to be any confusion between FamilyCorner.com's >newsletter and the website Frugal-Moms.com run >by our friend Kim Tilley. In fact, I have included an >article written by Kim in this week's issue. The >newsletter itself remains the same, just the name is >changing. Have a great day! >_________________________________________ > >Q U I C K T I P >Recycle Plastic Bags > >It's no secret that you can save by washing and >reusing plastic bags, but they don't always dry well. >Rinse in hot water and put them over a soda or >syrup bottle and leave until they're dry. (Make sure >they're dry before putting them away.) > >Check out more tips in our new Virtual Tipbook! >http://www.thefamilycorner.com/cgi-bin/tips.cgi >_________________________________________ > >TOP FREEBIE OFFERS! >Free candy bars, labels, hot chocolate, >gardening tools, make up, coupons, and MORE! >http://www.thefamilycorner.com/services/top_offers.shtml >_________________________________________ > >K I D ' S C R A F T S >Snowman Sweatshirt > >Here's a great winter project that the kids can >show off at school, to their friends, or anywhere >they go! Wearable art is always fun, but this >shirt will preserve great memories for everyone. > >http://www.thefamilycorner.com/cgi-bin/dir/jump.cgi?ID=7832 >_________________________________________ > >T H I S W E E K >Cheap Cleaning Supplies >by Kim Tilley > >Spring cleaning does not mean you have to buy bunches >of new cleaning supplies to do the job. Here are some ideas >for recycling things that may otherwise go to waste, while >cleaning at the same time. > > >CLOTH DIAPERS >Once the babies are out of these, save them and use them >to clean with. You already know that they are absorbent, so >use them to clean up any surface, with your homemade all >purpose cleaners, glass cleaners, or use them as dusting >cloths. Don't have babies? Stock up on cloth diapers at yard >sales if you can find them. > > >OLD TOWELS >When they are too holey to use in the bathroom, cut them >up and use them as washcloths and dishrags. You can edge >them with lace if you like, or finish on the sewing machine >with a zigzag stitch. > > >OLD SOCKS & T-SHIRTS >Use for dusting or dirty jobs (where you can throw them out >later), use in place of paper towels. > > >MOPS FROM SOCKS >This wonderful idea comes from the Tightwad Gazette. Make >a mop head out of socks for the old clamp-style mops. Stitch >toes together and clamp as many pairs in the mop as will fit. > > >CLEANING APRON >Jeff Campbell and the Clean Team suggest using a cleaning >apron to organize your stuff. You can make one from old jeans >or other clothing. Just cut out a big rectangle, finish the edges, >then fold width-wise so that ends are uneven and form a pocket. >Sew vertical lines to create more pockets. You can also add >additional fabric if you want even more pockets. Add loops to >hang cleaners and waist ties. > > >OLD TOOTHBRUSHES >Use these to clean in those hard to reach areas and small areas. > > >OLD WINDSHIELD WIPERS >You can use this as a squeegee to clean your windows. > > >NEWSPAPERS >They really do a great job on windows and other hard surfaces! > > >DUST MOPS >Make a cheap dust mop to reach those high places by putting >your old socks on the end of an old broomstick > > >MILK JUGS >These make good carryalls if you cut off the top, but leave the >handle on; you can also use these as small buckets or feed >scoops for pets and livestock. > > >BASKETS >Use to carry supplies and organize things. You can also put a >basket in each area you clean with the supplies you need for >that room. You can have a bathroom cleaning basket, a kitchen >basket and a garage basket. This makes the cleaning go faster >if you have everything you need in an easy to find place. > >~*~ > >Kim Tilley, a tightwad at heart, is a wife, a mother of three active >boys and the founding editor of http://Frugal-Moms.com Frugal by >force and later by choice, Kim cut her income by 60% to stay at >home with her children and discovered that anyone can live better >for less. Her work has appeared in print publications such as The >Tightwad Gazette. In her free time, she entertains herself by >chasing kids and finding ways to create something from nothing! > >~*~ > >What frugal cleaning supplies do you use? >Do you have other ideas to share? Send them in to >mailto:[EMAIL PROTECTED] > >WHAT'S RELATED >----------------------------- >Cheap Organizers >http://www.thefamilycorner.com/cgi-bin/dir/jump.cgi?ID=14 >Homemade Cleaners >http://www.thefamilycorner.com/cgi-bin/dir/jump.cgi?ID=375 >_________________________________________ > >COLORING PAGE OF THE WEEK >English Fox Hound >http://www.thefamilycorner.com/cgi-bin/dir/jump.cgi?ID=4810 >_________________________________________ > >R E A D E R R E S P O N S E S > >Re: Making chocolate bowls using balloons: >Some people may be allergic to the latex that is used >to make balloons. Minute particles of latex will become >attached to the chocolate. This could be deadly to a latex >allergic person! caution should be used in giving these >as gifts. > >~ A Reader > >~*~*~*~*~*~*~ > >SAVING AFTER CHRISTMAS > >Some of the ways I save after Christmas are: >I have already started a new page in my planner titled >"Christmas 2002". As I purchase things through-out the >year, I immediately make a note so I don't forget. I also >make notes throughout the year if I hear a friend or family >member mention something they like or need. I also make >notes of clothing sizes. > >As I put away the wrapping paper and decorations, I >make notes of what I have plenty of, so I don't buy >something next year that I already have. This year as I >was putting away the wrapping supplies, I noticed I >have a whole box of tissue paper in a variety of colors, >so I don't need to buy tissue paper even if it's on sale. > >I also keep two plastic trash can liner bags with my >wrapping supplies. One has packaging material, like >Styrofoam pellets. I used to throw these out after >packages arrived in the mail, but I found they come in >very handy. The other bag has the odds & ends of >wrapping paper that I've shredded. This something >else I used to throw away, until I discovered it makes >great colorful filler for gift bags or baskets. > >This year, for a couple of weeks our grocery store >paper bags had Christmas scenes. The only store >advertising was in one strip at the very top of the bag. >When the advertising is cut off and paper bag cut open, >you have quite a large sheet of decorative rustic-looking >wrapping paper. I saved several of these with my >wrapping supplies. Brown paper bags are especially >pretty with string or raffia. > >I have one red binder labeled "Christmas". It has >sections for: > >1. Christmas card lists - sent & received - with addresses >2. Gift lists (helps avoid duplications if you review this > before buying next year) >3. Menus and recipes (next year if someone requests that > you bring that special casserole or dessert again, you > don't have to hunt for the recipe) >4. Ideas for next year - throughout the year, as I find recipes > that would be good holiday dishes, or ideas for gifts or > decorations to make, I put them in the binder until I'm > ready to start plans for next year. >5. My favorite section is a collection of articles that I've > saved from magazines, websites and email newsletters for > over ten years. These are articles about how to have a > stress-free holiday, how to cut Christmas spending, etc. > About November, I read all of these articles and tips again. > Even though I've read them many times, it reinforces my > resolve to not over-spend or over-do during the holidays. > >~ Jean Hanford, California > >~*~ > >I like to stock up on the small (but not the miniature) light >bulbs. These are the right size to use in nightlights. If I can >find lots of non-colored ones, I get those, but if not, I don't >mind a few yellow or red ones. > >This year, I need dish cloths, dish towels, and potholders. >So what if they say Ho Ho Ho? After five or six launderings, >the image is facing anyway. I'll stock up with the ones >imprinted with holiday images. > >I enjoy origami, but I like to have more different looks >than I can find in specially cut paper. I particularly enjoy >the look of foils. So, I buy gift wrap, when it is marked >WAY down, and when I have the itch to fold, I cut my >own squares. I choose either solid colors, or patterns >that will not detract from the final product. > >Speaking of solid color papers, most of these make pretty >good wrapping for other occasions. Or they can be used >for other crafts, to give pizzaz to your paper creations. >How about gold foil, cut into chains of paper dolls, for >next year's tree? Or paper chains in pretty colored foils to >decorate for a birthday party? Want a stand-out envelope >for a home-made card? Using a regular envelope for a >template, make one in pretty wrapping paper. > >Pretty papers can also cover boring or even ugly objects >that you can't quite hide otherwise. Got a sturdy crate >with a marred finish? Why not paper it? Desk set looking >blah (or mismatched)? Why not change and unify the >look with decorative paper? > >To cope with the temptation to buy all the cute decorations >when they are on sale, I select only those which fit in my >established themes. My themes are angels, music, teddy >bears, Victorian paper, and sports. I also buy just one or >two of something I think I can make myself, as samples, >and things for use in making my own ornaments. For >instance, I bought my son a sample of a line of ornaments >made from twigs, gold paint, and bits of artificial flowers/ >greenery. I sometimes buy the satin-covered balls, which >can be embellished for one-of-a-kind ornaments. (Be >aware that only the ones with Styrofoam centers are >suited to sequins or other things that get secured with >pins.) > >I grimace at the prices of chocolate candy, so I stock up >on candy *after* the holidays. Christmas is not the only >after-holiday candy sale -- there are different things on >sale from the day after Halloween until after Mother's Day. >I then store it in a cool dark place, sealed in a big five-gallon >bucket. (The buckets I use for food have held food for a >restaurant. I get out any remaining smell by rubbing with >a paste of baking soda, and a rinse of diluted vinegar, >followed by plain water.) If we run out of candy before >next October, we do without until November 1st! > >~ Rose B, mother of three, in NC > >~*~ > >I'm an older frugal mom, but I still enjoy your e-zine. >The only budget item that got dented was the Food- I >purchased a lot of baking items, and candy making >ingredients. All of our Christmas treats are homemade, >still cheaper than "store bought". I also gave some as gifts. >I save money each month for gifts, so that when the holiday >shopping season arrives, I have the cash, and I don't go >over budget. To get my food budget under control again, >we'll eat from the freezer & pantry stash, being certain to >have enough on hand in case of a blizzard. > >~ JT in Buckeyeland > >~*~ > >Just wanted to add to an earlier email re: natural ingredients >in decorations. Look for tiny ornaments and silk flowers that >are left over, sometimes torn apart and therefore marked >down to a dime. I found a whole plastic bag of poinsettias >that were pulled off of the stems for 25� once. I use them >to stick into baskets of greens, put into my regular live plants, >stick onto homemade wreaths, etc. Don't overlook something >that looks junky, look with an eye for using just one part . >Plain glass cups, plates etc. can be used for candle plates >with three grouped candles with a sprig of greenery. Also >the ones with a design that is raised but is still clear glass can >be painted from the back side and really are beautiful. I have >a large one given to me on a plate stand that looks very >expensive, but was handmade. You can really decorate >your house for almost nothing this way. Always pick up >extra candles at this time. > >~ A Reader > >~*~*~*~*~*~*~ > >MORE ON QUALITY v.s. QUANTITY > >Hi everyone! >I have actually enjoyed seeing opinions on quality vs. quantity, >and I have something to share as well. > >For the last 4 1/2 years, I've been a "coupon queen", buying >every packaged item I could when it's on a great sale, stocking >up, we call it. This includes laundry detergent, toothpaste, etc. >as well as my food. I started having enough extra to share with >friends who were in need. That resulted in my best friend and I >starting a food pantry at my church 2 1/2 years ago, which has >resulted in almost 500 visits to it this year. I tracked for 2 years >and we were getting every item we needed at home for about >$335/month. However, my children were sick a lot and we >went through a dietician and decided to make some adjustments >to our diet. We were eating too much dairy (free or almost free >cheese), yogurt, sugar-sweetened cereals, free soda, etc. We >also ate meat and produce of course, but we ate what we had >in the house. Long story short, we have reduced our medical >expenses this year by about 75% by cutting some of the dairy >and sugar items out of our diets. It has made a tremendous >difference in my children's health and my sanity (no trips to the >ER with asthma attacks, no surgeries). I also tracked spending >this year and have spent about $65 more per month average, >but we have tried a lot of new "healthy" foods, like soy products >and replacements. I think we're going to stick to more fresh >items and hope to reduce the grocery spending back to $335/ >350 (for a family of four). I think I can do it! I'm going back >thru receipts now to determine stuff that we wasted money on >and will at least have it in my mind no to go overboard buying >$1.50 Luna bars which are gone by the time I get them home. >(they are a healthy bar, great, but expensive). > >Meanwhile, when I can get something we won't eat for free or >pennies, I still buy it and donate it. I hate to see a good coupon >go to waste, and someone who has no food will appreciate >having something to eat. > >Got a great tip this week too - look for your local restaurant >produce supplier and call to see if anyone can shop there! A >friend found one here(Knoxville, TN) and they let anyone shop >there. Everything is in big quantities. She got a 50 lb bag of >baking potatoes for 14 cents/pound, carrots for 35/lb, etc. >Find 5 or 6 friends to go in with you and you can buy produce >really cheap. Take turns picking up the food and when it's your >turn they come to your house to pick up and pay you for what >they get. Enjoy! > >~ Nola > >~*~ > >I think some people misunderstood what Joanie said. She was >saying that sometimes people sacrifice nutrition for cost. I don't >think it was meant as a slam, but only a different point of view. > >In my house, we rely some on packaged and frozen foods, but >we try to balance out with lots of fresh fruit and vegetables, we >stay away from meat mostly (I'm a vegetarian), and eat whole >grains, etc. Really, fresh fruits and vegetables in season really >aren't more expensive when compared to some packaged >foods. I think that if people strive for balance and moderation, >that's the key. Of course, if people are eating mac & cheese >every day at the expense of fresh foods, there's a problem, but >I don't see a problem with eating lower quality stuff like that if >you eat fresh foods most of the time. If mac & cheese goes on >sale, stock up. Just my opinion. >Thanks for a great newsletter. > >~ Doreen > >~*~ > >On the cheap Vs. healthy food debate-- I too am trying to >eat both cheaply and well. However, my teenage boys would >live on hot dogs and bacon if I let them. To the reader who >was worried about nitrates-- I read that vitamin C turns them >into harmless nitrites if consumed at the same time. So the rule >in our house is: preserved food is eaten with orange juice. >Maybe this will ease some minds. > >~ A Reader > >~*~ > >Re "healthy eating," I feel a need to mention my totally >different perspective. > >We eat a low-carb diet, have for over 4 years. I lost 43 lb, >hubby lost over 150 lb, daughter from size 18 to size 5, son >from size 44 to size 38 (so far). This has totally turned around >our health, with cholesterol/triglycerides/blood pressure, my >MS has radically benefited from is, as well as hubby's bad >knee. We will never again go to a grain-based diet. It was >VERY hard for me to give up the frugality of grains and >beans and learn to be frugal with lots of meat, poultry, fish, >eggs, etc. but it can be done and I DO it. I shop carefully >and buy in bulk when it's on sale. We eat a lot of ground >turkey (79� a lb at Big Lots) and eggs when they are 69-79� >a dozen. I stock up on the boneless/skinless chicken breasts >at $1.59/lb, and the country-style pork ribs (almost all meat >and a very versatile food to cook with). We eat a lot of >veggies, and the produce manager knows me well. I picked >over the orange and red bell peppers yesterday and got a >dozen that were slightly wrinkly... he marked them down to >75� for the lot. I can't stuff them with rice anymore, but I >can stuff them with a mixture of chopped cauliflower (was >on sale for 75� a head), a lb of sausage (on BOGOF sale >minus a $1 coupon), chopped onions, an egg, and >seasonings, topped with a little tomato sauce. I ended up >with half a dozen enormous stuffed orange peppers for >under $3., enough for dinner for 3 with leftovers. The rest >of the peppers are chopped and frozen for future use. That >may sound high to those of you who can put it together >meals with rice, oats, flour, pasta, cereals, beans, etc., but >it's worth every cent to us, in regained health and vitality. > >I love this site, but I cringe when I see all the recipes that >call for sugar. > >To each his own, though, and happy frugal holidays to all. > >~ Rani > >~*~*~*~*~*~*~ > >NATURAL DECORATIONS: > > >From last issue: > >I was interest about "A Reader" who sent the ideas for >natural decorations. I was going to do that too but.... >I was afraid that "something might come to life" that >was dormant in the branches because the house is warm. >I didn't want to spray insecticide I really wanted the >smell of pine and cedar. I also worried about any mold, >mildew or fungus too small to see, but that would grow >in the warm house. I've been accused of thinking too >much but how does one get around these potential >problems? > >~ Nancy W. > >READER RESPONSES > >Nancy W. liked the idea of decorating with natural materials, >such as pine and cedar branches, but is concerned that insects >etc may hitch a ride into her home. > >Nancy, I think about things like that, too. > >Select healthy-looking branches. Sick or infested naturals don't >look pretty anyway! If you are using evergreen branches, you >can wash them with warm soapy water, for your peace of mind. >I routinely use soap suds to kill pests on living plants, because it >works. It may help to know that most insects have a life cycle >that requires dormancy during the winter, when there is little >food for them. > > > Pine cones can be rinsed and then baked at 200 in the oven. >(See Heart and Home, http://www.LittleCountryVillage.com for >more about an idea with pine cones.) You will have to keep an >eye on them, of course. This will cause them to open nicely, but >you can also be confident that hidden insect eggs, mold spores, >will probably not survive. > >If you want to use dried naturals, such as dried flowers, grasses, >etc, you can dry them with silica granules. Not much will survive >such drying. You can also give pressed flowers or fall leaves a >day or two with the silica, just to be sure. > >None of these is guaranteed to kill off all uglies that might want >to live on your natural decorations. I don't promise that. But not >much is going to survive, and I think you can happily decorate >with branches, leaves, flowers, weeds, or whatever you like, >without worry that minute living things are about take over your >home. Even without these measures, I've used natural materials >to decorate my home, and had little trouble. So far, the only >one that I've had any problems from is acorns. So, I collect >acorn *caps* for crafting and leave the acorns. > >~ Rose B, mother of three, in NC > >~*~ > >I am the reader who sent in the suggestions for natural >decorations. Kathy W. wrote expressing concern about >bringing the great outdoors indoors. First of all, I must say >those thoughts never crossed my mind. I just make clippings >of whatever catches my eye, and check the branches for >bugs before I bring the stuff in the house. I have never had >any kind of problem, and I've been bringing home wild >flowers since I was old enough to walk. Why would >clipping tree branches be any different than putting flowers >in a vase? My only concern would be to educate yourself >on what is poisonous. > >My way of decorating is frugal, elegant, and a lot more >creative than going to the store for plastic decorations. >My advise to Kathy, if she is still worried, is to start >small. Merry Christmas! > >~ Mary Lorraine > >~*~ > >This might be too late to use for this year but it is in response >to Nancy who asked about using natural things for decorations >and fearing that something would "come to life" in the warmth >of her home.... > >I make baskets with branches, pine cones, outdoor greenery, >etc. all the time. I go out with cutters and bag and walk around >gathering anything interesting. Before coming into the house I >dump the bag of goodies on the sidewalk and give each one >a whack to knock any tiny spiders, etc. off. Once in the house >I fill the sink with warm water and submerge each into the >water with a few drops detergent and swish, this will kill or >knock loose anything remaining. Then I lay out on newspaper >and start arranging my baskets. One year I had no extra >baskets and used meatloaf tins (or bread tins), then you can >put in some water and the greens will last longer. I covered >the outside with that cheap colored cellophane and held at >top with rubberband. You could also use foil. I used holly >bushes and different colored greens along with red bow and >some small ornaments or loose silk poinsettias (really anything >you can find) Pine cones should be spread on a cookie sheet >lined with foil and baked at about 250� for about an hour, this >will not only kill anything inside but will fully open the cones . >Keep your eye out for after Christmas sales on silk flowers >and small ornaments. You can take them apart and use in >your arrangements. I keep a bag with all the loose things for >use the next year. Then I have all my things together and >ready to go. Don't forget, outdoor greenery (bushes, ferns, >etc.) can be used at any time of the year to fill in your real >or silk flower arrangements, can put candle in the middle >also. Will look very professional. Sorry so long, hope some >of this will help someone else. > >~ Shari FM, NY > >~*~*~*~*~*~*~ > > >From last issue: > ><<Watch expiration dates: Prepackaged gift sets like ice cream >sundae toppings or barbecue sauce packs are great gifts to give >during the year as long as they are free from holiday markings >and expiration dates.>> > >READER RESPONSE: > >The shelf life on commercial food products is generally 6 >months...if you buy this stuff in Dec. and give it to someone >the following November, you're not doing them any favors. > >~ Mimi > >EDITOR'S NOTE > >Mimi makes a valid point which the article was attempting >to convey...When giving food as gifts or part of gift baskets >make sure that you give the item in time for the receiver >to use it. >_________________________________________ > >D I A B E T I C P I C K >All-Day Crockpot Beef > >1 1/2 pounds Beef, *stew or roast beef >1/2 teaspoon black pepper >2 garlic cloves, minced >1/2 package onion soup mix >2 teaspoons Worcestershire sauce >1 teaspoon A-1 steak sauce >3 large carrots, sliced >2 large celery stalks, sliced >1 medium green bell pepper, chopped >1 medium onion >1/2 cup water >1/2 cup tomato juice >* Use any cut of beef roast desired. > >Cut beef into serving-sized portions. Brown beef in a bit >of vegetable oil, in a large skillet. Meanwhile, slice onion >and separate into rings. Dice the peeled carrots, dice the >celery and slice the peppers into thin strips or circles. >Place these into the bottom of crockpot. Sprinkle the >beef pieces with fresh ground black pepper, minced >garlic and the onion soup mix. Place on top of the >vegetables. Mix the steak sauce and Worcestershire >sauce in a small bowl with about 1/2 cup water and 1/2 >cup tomato juice. Pour this over the meat. Turn the >crockpot to high for 30 minutes, then turn to low, >cover and cook for 7-9 hours. > >Per serving: 332 Calories (kcal); 22g Total Fat; >(60% calories from fat); 22g Protein; 10g Carbohydrate; >76mg Cholesterol; 484mg Sodium; 3g Fiber > >Food Exchanges: 0 Grain(Starch); 3 Lean Meat; >1 1/2 Vegetable; 0 Fruit; 2 1/2 Fat; >0 Other Carbohydrates > >Printable version: >http://www.thefamilycorner.com/cgi-bin/sefer.cgi?display:983579526-5815.txt >_________________________________________ > >W O R K A T H O M E M O M S >Moms Are Big Target For Work-at-Home Scams > >The new trend is showing that moms are wanting >to stay home and raise their children. Finding a way >to work-at-home sounds like the perfect solution. >These scams, disguised as ads, sound like the >perfect opportunity.....too good to be true. Unfortunately, >many of these ads ARE too good to be true. > >http://www.thefamilycorner.com/cgi-bin/dir/jump.cgi?ID=141 >_________________________________________ > >F O R T H E K I D S >Better Than Reese's - Peanut Butter Candy > >1/2 pound oleo, softened >1 pound powdered sugar >2/3 pound creamy peanut butter >1/3 cup light corn syrup >chocolate coating > >Mix oleo & peanut butter until smooth. Add corn syrup. >Knead in powdered sugar until smooth & heavy & crumbly. >Roll into balls & dip into melted chocolate. > >Printable version >http://www.thefamilycorner.com/cgi-bin/sefer.cgi?display:971719699-8506.txt >_________________________________________ > >Q U E S T I O N S O F T H E W E E K > >WORKING MOM HOMESCHOOLING >I am now a single mom because of a separation and must work >full time to pay the bills. My son has flourished by staying at >home. My concern is that he is not doing enough of the same >type of schoolwork that my other kids did in school. While he >has grown, I'm afraid I am not riding him hard enough to do real >schoolwork - more math ,science,geography etc. Any suggestions? >http://boards.familycorner.com/WebX?[EMAIL PROTECTED]^[email protected]/63 > >BOXELDER BUGS >Does anyone have any ideas for keeping insects out of >grapevines and also of getting rid of boxelder bugs? We >have a tree that can be cut down, but there are also trees >on the city boulevards near our house. >http://boards.familycorner.com/WebX?[EMAIL PROTECTED]^[email protected]/173 > >SNOWMAN JAR CRAFT >I am a snowman lover. I saw a snowman candy jar. It looked >very simple to make. A little black puffy paint, some fabric, a >hat, and a medium sized glass bowl. I need directions. Help! >http://boards.familycorner.com/WebX?[EMAIL PROTECTED]^[email protected]/158 >_________________________________________ > >Q U I C K T I P >How To Avoid The Credit Card Trap > >Late-payment fees are rising for credit-card users. >Grace periods are falling. > >Late fees are often as high as $25, up from about $15. > >The period before the late fee kicks in, which was five to >15 days, is being eliminated, to as little as one day. > >SELF-DEFENSE: Mail payments for credit-card bills >on time. > >HELPFUL: Mail each bill at least one week before it is >due, giving your card issuer. > >Source: Marion Buhagiar: "The Book of Secrets" >(adapted) >Check out more tips in our new Virtual Tipbook! >http://www.thefamilycorner.com/cgi-bin/tips.cgi >_________________________________________ > >Why should You have to Choose between Baby >and Budget? 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