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><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>           T H E   D O L L A R   S T R E T C H E R
>                    F o r   P a r e n t s
>
>                  "Living Better...For Less"
>                       March 6, 2002
>                    Volume 4, Number 10
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>SUBSCRIPTION INFORMATION: "The Dollar Stretcher for Parents"
>is a FREE newsletter.
>
>To SUBSCRIBE send mailto:[EMAIL PROTECTED]
>or visit http://www.stretcher.com/menu/subscrib.cfm
>
>To UNSUBSCRIBE send a blank message to the address:
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>
>"Dollar Stretcher for Parents" and Dollar Stretcher, Inc. does
>not  assume responsibility for advice given.  All  advice
>should  be weighed against your own abilities and
>circumstances and   applied accordingly.  It is up to the
>reader to determine if  advice is safe and  suitable for their
>own situation.
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>IN THIS ISSUE
>
>Introduction
>
>Ten Helpful Kitchen Cleaning Tips
>by Monica Resinger
>Making life easier
>
>Pampering Recipes for Mom
>by Brenda Hyde
>Moms never pamper themselves enough!
>
>My Story: Container Gardening
>by Holly Warren
>She's studying to do it right
>
>That's Outrageous!
>contributed by Shari T.
>
>On www.Stretcher.com This Week:
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>Introduction
>by Gary Foreman
>[EMAIL PROTECTED]
>
>Hello to all my Frugal Friends!
>
>Just a short note to wish you a wonderful week. Oh, and don't
>forget to forward a copy of the newsletter to a frugal friend!
>Thanks!
>
>All the Best!
>Gary
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
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><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>
>Ten Helpful Kitchen Cleaning Tips
>by Monica Resinger
>
>Making life a little easier
>
>
>Here are ten money and time saving tips to help you in your
>kitchen.
>
>1. Use those leftover slivers of soap to cut expenses! Cut a
>small pocket in a sponge and place small slivers of leftover
>soap into it for a sudsy washing sponge.
>
>2. Hold a scouring pad underneath a sponge when scrubbing.
>This will give you a better grip and protect your hands.
>
>3. Save time on the dinner dishes. Before serving dinner, run
>a sink full of  very hot soapy water. When everyone is
>finished eating dinner, tell them to  wash and rinse their own
>plate.
>
>4. Use a paint scraper or putty knife to remove baked on or
>cemented goo from stovetops, countertops or floors.
>
>5. Use a toothbrush to scrub hard to reach surfaces such as
>behind and on faucets.
>
>6. Baking soda makes an excellent scouring powder.
>
>7. By keeping a spoon rest on the stove, you'll avoid a lot of
>messy  clean-ups.
>
>8. Place sticky (honey, syrup, molasses and oil) containers on
>plastic lids in the cupboard or fridge to avoid sticky messes.
>
>9. To get odors out of plastic containers, place crumpled
>newspaper inside the container and seal it overnight.
>
>10. Keep a fillable wand near the kitchen sink and when you
>have a few spare minutes, wash a few dishes with the wand.
>This may help you cut down on doing full loads of dishes.
>_________
>
>Monica Resinger is the Editor of Creative Home Ezine
><http://creativehomeezine.netfirms.com> a fun ezine packed
>with  homemaking tips, inspiring articles, recipes and themed
>content from folks  just like yourselves - its readers! After
>each twice-weekly issue, you'll  surely be inspired to
>organize your home, cook mouth-watering recipes,  entertain
>your friends and family, beautifully decorate your home and
>much  more! Don't miss another issue - join now! Send a blank
>mailto:[EMAIL PROTECTED] (c), 2001,
>Monica Resinger
>
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>                         Our Sponsor
>
>
>                  Budgeting without Bondage
>
>"I purchased BudgetMap several months ago and began using
>it in place of my computer software (I never could seem to
>keep current with my budget on the computer...it was too easy
>to "do it later"!). BudgetMap has done what I've been thinking
>about doing for years (but could never figure out the
>details)--it allows me to instantly see where our budget is
>and how much I have to spend in each category. I was so
>impressed that I have all 4 of my daughters using the system
>... My only regret with BudgetMap is that I didn't know about
>it sooner!" Marce in Missouri
>
>Do you want to budget but don't want to be in a financial
>straightjacket? The simple and flexible BudgetMap budgeting
>system allows you to budget without the fuss. Buy it now and
>get control of your finances.
>
>              Click here: www.budgetmap.com
>
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>Pampering Recipes for Mom
>by Brenda Hyde
>
>Moms never pamper themselves enough!
>
>
>Moms never pamper themselves enough!  You know this and so do
>I.  In fact, a grandmother I know was sharing with me that
>even with her children grown she finds it hard to think of
>pampering herself. It seems to be a habit that we develop from
>the time our first baby is born, and it's hard to break!
>
>One thing I've found that helps me to feel pampered is using
>homemade bath, skin and hair treatments. They are easy to make
>and very soothing. Plus if you set aside an evening once a
>month to pamper yourself it becomes a comforting ritual that
>you will look forward to each time!
>
>Using Bath Teas
>
>Herbal bath teas are VERY easy to make and use.  Basically you
>are making a "tea" or an infusion that  you then add to your
>bath. You can use small muslin bags that are premade or you
>can sew your own with a piece of muslin and tie it tightly at
>the top with string.  A piece of finely woven cheesecloth will
>work also by placing the ingredients in the middle of a
>square, gathering and tying tightly.  The most basic way is to
>steep your bath tea in a bowl or large mug, then it and add it
>to your bath.  The key is to steep your herbs in boiling
>water, then add to your bath. I steep mine for at least 10-15
>minutes, but longer is fine.
>
>I use dried herbs for my bath teas, but you can also use fresh
>herb leaves from your garden. One of my favorite combinations
>is mint and lavender.  I add about 1/2 cup of each to a muslin
>bag and I steep for about 10-15 minutes.  I gather up a
>magazine, light a candle, brew a cup of regular tea for
>drinking, run my bath and it's time to add the bath tea. If
>you are using a cloth bag or bundle you can also add that to
>the tub.  The nice thing about bath teas is the simplicity and
>the aroma.  You'll need to experiment and find out what which
>herbs work best in your bath.  These suggestions will get you
>started:
>
>Use 1/2-1 cup of a combination of the following:
>* dried mint
>* dried chamomile
>* dried lavender
>* dried rosemary
>* dried rose petals
>* ground oatmeal (in your blender)
>* dried milk
>
>As I mentioned don't be afraid to experiment. Perhaps try a
>1/2 cup of mint, chamomile and lavender, but only a small
>amount of rosemary.  Or choose 2 of the herbs and use 1 cup
>each, plus a cup of dried milk for a soothing milk bath.  If
>you buy the dried herbs in bulk or dry or own they are not
>very expensive, and you can store them in a fairly cool
>cupboard in jars. I've also added baby oil to my bath while
>it's running and the bath tea for a messy, yet very
>moisturizing soak!
>
>More Pampering:
>
>The bath teas are just the beginning. I sometimes save the
>bath for last after the kids are in bed. My husband will often
>play a board game with them earlier in the evening so I can
>have the bathroom to myself for some  extra pampering. The
>following recipes will give you some  to start with. Remember
>to also use good quality lotions  afterwards. Relax and Enjoy!
>
>Herbal Conditioning Oil
>
>You will need:
>* 1/2 cup dried chamomile flowers
>* 1/4 cup dried rosemary leaves
>* 1 cup safflower or sunflower oil
>
>Place the herbs in the top of a double boiler and add the oil.
>Heat for 30 minutes. Pour into a wide mouthed jar. Cover with
>a piece of muslin secured with a rubber band. Let this stand
>in a warm place for about a week, stirring each day. Strain
>the oil into a clean jar. To Use-Warm about 1/2 cup of the
>oil, less if your hair is shorter, over VERY low heat for a
>few minutes. Rinse your hair with hot water and squeeze out
>excess water with your hands. Rub the warm oil into your hair
>and scalp. Cover with a shower cap, then a warm damp towel.
>Condition for 20-30 minutes then shampoo to remove the oil.
>
>Easy Herbal Hair Rinse
>
>Pour 2 cups boiling water over 2 tablespoons dried rosemary.
>Steep this for 15 minutes, strain and rinse hair with the
>water.
>
>Honey and Cream Facial
>
>Combine one teaspoon honey with two tablespoons of heavy
>whipping cream. Beat together and pat onto your face, rubbing
>gently and smoothing your skin as you do this. Leave on for a
>few minutes while preparing a cup of tea or your breakfast,
>then rinse with warm water.
>
>Honey Lemon Facial
>
>Combine 1/2 tsp. lemon juice with two tablespoons of honey.
>Blend together and spread over your entire face. Leave on for
>15-20 minutes then rinse with warm water and gently pat dry
>with a soft towel.
>___________
>
>Brenda Hyde is a wife and mom to three kids living in  the
>Midwest United States. She is also the editor of
>http://oldfashionedliving.com  For monthly pampering  recipes
>and encouraging messages for mothers,  sign up for  A Mom's
>Heart by sending mailto:[EMAIL PROTECTED]
>
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
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><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>My Story: Container Gardening
>by Holly Warren
>
>She's studying to do it right
>
>
>My husband and I rent our home, so I have an extensive
>container garden.  For anyone interested in this type of
>gardening I would give the following tips:
>
>1) Dunkin Donuts is a wonderful source of food quality 3.5 - 5
>gallon buckets.  We live in Vermont & pay $1 per bucket,
>including the lid. You should be able to reuse them forever!
>
>2) Drill two sets of holes about an inch apart around the
>bottom of the container, space the holes 3-4 inches apart.
>
>3) Repeatedly mulching plants with compost is important, not
>only because it encourages water retention but because plants
>will use up the nutrients in the container and you must
>replace them.  My container garden is organic only, so I don't
>use artificial fertilizers, but this is another option if
>you're not growing organically.
>
>4) Container gardens will dry out much quicker than regular
>gardens, so you must be very diligent about watering them.  If
>you've provided good drainage you should not have to really
>worry about overwatering.  Broken terra cotta pots can be
>recycled by laying the pieces over the soil.  This helps
>retain moisture.
>
>5) To keep my garden well watered, and so I don't have to
>water it every day, I use an "irrigation" system of sorts.
>Take any 16-24 oz bottle (plastic or glass is fine, just make
>sure it's food quality).  Fill this bottle with water, quickly
>turn it upside down, and insert into the soil.  One bottle per
>container is adequate.  Not only does this water your plants
>at the roots (reducing water lost through evaporation), but
>it's a lifesaver when you need to leave town during a hot
>weekend!
>
>6) Finally, keep in mind that for a container garden to be
>successful you must make the container size fit the plant.
>Below are some basic planting guidelines.  More extensive
>information, including recommended varieties can be found at:
>www.gardenguides.com/TipsandTechniques/container2/htm
>* Beans, Snap - 5 gal. window box/bucket -follow planting
>instructions for spacing plants
>* Broccoli - 1 plant/5 gal. pot
>* Tomatoes - 1 plant/5 gal. pot
>* Squash  - 1 plant/2 gal. pot
>* Radish - 5 gal. window box/bucket  - follow planting
>instructions for spacing plants
>* Pepper - 1 plant/2 gal pot or 5 plants/ 15 gal. pot
>* Garlic - 8 inch deep container
>* Cucumber - 1 plant/1 gal. pot
>* Carrot - 5 gal window box at least 12" deep
>* Onion - 5 gal. window box
>
>There are hundreds of sources on container gardening out
>there!  Gardenguides.com is an excellent place to start, as is
>your local extension office.  I am a Master Gardener Intern
>through the Vermont extension office.  Residents of Vermont &
>parts of New Hampshire can find contact information for this
>office at: pss.uvm.edu/mg/mg/
>_______________
>
>"My Story" is a regular feature of The Dollar Stretcher. If
>you have a story that could help save time or money please
>send it by mailto:[EMAIL PROTECTED]
>
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>
>That's Outrageous!
>contributed by Shari T.
>Lakeland, Florida
>
>
>I just took my 8-year old daughter to the dentist to have 2
>baby teeth pulled. I have relatively good dental insurance,
>and a small copay applies to extractions and the nitrous oxide
>(happy gas). Of course, they ask you to pay them before the
>procedure is done, so I was stunned when she said I would owe
>$140 today and another $140 in three weeks when we are
>supposed to go back. I asked what might all this money be for,
>and I was given a most disgusted look and loud sigh.
>
>The receptionist pulled Hannah's chart and informed me of
>sealants, a crown, fillings, spacers, etc... that Hannah would
>be needing in the future, and I must pay for all of it now. I
>told her politely that today, I would like to just pay for the
>work we were having done today. The bill came to only $48.
>
>I wonder how many moms and dads in that dental office just
>write checks without asking what all the money is for? Not
>only did the attitude of the receptionist bother me, but the
>happy gas had an adverse reaction on Hannah, and she felt the
>entire procedure. The nurse had promised her a beanie baby if
>it hurt, and of course there was no beanie baby. I took Hannah
>to the store and got her a beanie baby, and we have since
>changed dentists.
>_______________
>
>Here's your chance! Tell us what things aren't fair to
>consumers or just cost too much. I don't know about you, but
>there's times that all I can say is "That's Outrageous!"
>Here's your soapbox! Just send mailto:[EMAIL PROTECTED]
>to  us what's driving you crazy! You might not agree with all
>of them, but you'll sure feel better for getting it off your
>chest! If we use your Outrage we'll say 'thanks' by sending
>you the next three issues of the print edition of "The Dollar
>Stretcher". Note: The Dollar Stretcher, Inc. is not
>responsible for the opinions expressed here!
>
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>                        READERS' TIPS
>
>
>                          *********
>               Little Used College Scholarship
>
>As a high school teacher in Texas, I stumbled onto this
>little-known (and probably rarely used) opportunity for my
>students to receive free college money.  Though it only
>applies in Texas, other states may offer similar, rarely-
>publicized opportunities:
>
>The state of Texas offers a non-competitive scholarship to all
>high school students who earn their diplomas in three years
>instead of four.  The scholarship is good for $1000 for the
>first year at any state college or university, with more
>complicated options for private schools.  To receive the
>scholarship, the student simply fills out a form and has it
>verified by the high school and submitted to the college or
>university of choice.  The state then provides $1000 to the
>college/university in that student's name.
>
>Considering the high cost of public school education, the
>state is getting a bargain by encouraging students to graduate
>from high school a year early, while students benefit from
>free money regardless of academic performance, financial need,
>etc.  Though this particular program is only offered in Texas,
>similar programs may be available in other states.
>
>Regardless, it can't hurt to check into local opportunities
>(through schools AND state offices) as early as the freshman
>year in high school.  Who knows what you might be missing!
>Rebecca U.
>
>                          *********
>                        Teething Time
>
>With 2 kids teething for months on end, we became very
>creative when it came to relief.  The best solution was frozen
>fruit.  Since I made all their baby food from scratch, I had a
>large stash of bite-size watermelon, mangos, and cantaloupe in
>the freezer from the summer.  I would give the kids the frozen
>fruit straight from the freezer, and they would just suck/chew
>on it to numb their gums.  Then they would eat the rest of
>their meal pain-free.
>
>For smaller babies who aren't chewing yet, you can puree the
>fruit, freeze it in ice cube trays, pop them out a day later
>and put them in freezer bags.  When it's time to feed baby,
>thaw out a cube or two just enough to make it slushy with your
>fork or spoon.  Or you can make a baby "smoothie" by putting
>the frozen cube with some water or formula in a blender.  Then
>spoon feed the cold smoothie to your baby.
>Laura P.
>mom to Joe and Megan -- both 18 months
>
>
>                          *********
>                        Dying Clothes
>
>When using the dye follow the directions. I always add a cup
>of salt and it helps the dye to stay on the clothes longer. I
>also put in more than one article of clothing. Redyeing our
>clothes is a big money saver!!
>Bridgitte W.
>Tennessee
>
>
><<<<<<<<<<<<<<<<<<<<<<<<<<<<<>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>
>On www.Stretcher.com This Week:
>
>editor's note: Hotmail and WebTV users may have trouble with
>some addresses. Please access them from our front page
><www.stretcher.com>
>
>
>A Crash Course in Creative Frugality
>by Nancy Twigg
>Struggling families have two choices
><a href=" http://www.stretcher.com/stories/02/02mar04c.cfm ">
>Click Here </a>
>
>What Your Mechanic Doesn't Want You To Know
>by Austin C. Davis
>What you don't know can hurt you
><a href=" http://www.stretcher.com/stories/02/02mar04d.cfm ">
>Click Here </a>
>
>Where Did All the Time Go?
>by Gregory Thomas
>If you have to ask the question, chances are that some of it
>was wasted
><a href=" http://www.stretcher.com/stories/02/02mar04e.cfm ">
>Click Here </a>
>
>Ten Helpful Kitchen Cleaning Tips
>by Monica Resinger
>Making life easier
><a href=" http://www.stretcher.com/stories/02/02mar04f.cfm ">
>Click Here </a>
>
>Pampering Recipes for Mom
>by Brenda Hyde
>Moms never pamper themselves enough!
><a href=" http://www.stretcher.com/stories/02/02mar04g.cfm ">
>Click Here </a>
>
>My Story: Container Gardening
>by Holly Warren
>How a master gardener intern does it!
><a href=" http://www.stretcher.com/stories/02/02mar04h.cfm ">
>Click Here </a>
>
>Making extra mortgage payments vs. investing the cash
><a href=" http://www.stretcher.com/brm/02/02feb27a.htm ">
>Click Here </a>
>
>Where to stash emergency cash
><a href=" http://www.stretcher.com/brm/02/02feb28a.htm ">
>Click Here </a>
>
>Is your bank safe?
><a href=" http://www.stretcher.com/brm/02/02mar01f.htm ">
>Click Here </a>
>
>Dividing deductions in a divorce
><a href=" http://www.stretcher.com/brm/02/02feb26c.htm ">
>Click Here </a>
>
>Community College
>A stepping stone to higher-education savings
><a href=" http://www.stretcher.com/brm/02/02feb25.htm ">
>Click Here </a>
>
>Quiz
>How much do you know about coupons?
><a href=" http://www.stretcher.com/brm/02/02feb26.htm ">
>Click Here </a>
>
>In a Credit Crunch?
>You may need professional help
><a href=" http://www.stretcher.com/brm/02/02feb26a.htm ">
>Click Here </a>
>
>Containers for Frozen Foods
>How do you protect your frozen foods?
><a href=" http://www.stretcher.com/stories/02/02mar04a.cfm ">
>Click Here </a>
>
>Selling Items on Ebay
>Like an ongoing garage sale!
><a href=" http://www.stretcher.com/stories/02/02mar04b.cfm ">
>Click Here </a>
>
>Late payments influence other creditors
><a href=" http://www.stretcher.com/brm/02/02feb26b.htm ">
>Click Here </a>
>
>Flexible CDs
>Stretch your savings choices
><a href=" http://www.stretcher.com/brm/02/02feb25a.htm ">
>Click Here </a>
>
>Rich Advice
>Don't end up house poor
><a href=" http://www.stretcher.com/brm/02/02feb28.htm ">
>Click Here </a>
>
>Going, Going...Gone!
>The ins and outs of bidding online
><a href=" http://www.stretcher.com/brm/02/02mar01.htm ">
>Click Here </a>
>
>Want a Job?
>Try vocational school
><a href=" http://www.stretcher.com/brm/02/02mar01a.htm ">
>Click Here </a>
>
>Economic Rebound
>Road to recovery in sight
><a href=" http://www.stretcher.com/brm/02/02mar01b.htm ">
>Click Here </a>
>
>Bad Credit?
>You can still borrow. But expect to pay a higher price
><a href=" http://www.stretcher.com/brm/02/02mar01c.htm ">
>Click Here </a>
>
>Paying down your debts
><a href=" http://www.stretcher.com/brm/02/02mar01d.htm ">
>Click Here </a>
>
>Economic Recovery
>Cautious Greenspan not ready to declare victory
><a href=" http://www.stretcher.com/brm/02/02feb27.htm ">
>Click Here </a>
>
>You can have (and pay for) it all
><a href=" http://www.stretcher.com/brm/02/02mar01e.htm ">
>Click Here </a>
>
>Managing your 401(k) after a job loss
><a href=" http://www.stretcher.com/brm/02/02feb25b.htm ">
>Click Here </a>
>
>Figuring a foreign income tax break<a href="
>http://www.stretcher.com/brm/02/02feb27b.htm ">
>Click Here </a>
>
>Trading in a company car
><a href=" http://www.stretcher.com/brm/02/02feb28b.htm ">
>Click Here </a>
>
>Inheriting gifts from foreigners
><a href=" http://www.stretcher.com/brm/02/02mar01g.htm ">
>Click Here </a>
>
>Wiring a 3-Way Switch
>The Natural Handyman
>You need to know what goes where!
><a href=" http://www.stretcher.com/stories/02/02mar04j.cfm ">
>Click Here </a>
>
>Tie Rod Replacement
>Ask Bob: The Auto Answer Man
>Is the dealer scamming her?
><a href=" http://www.stretcher.com/stories/02/02mar04k.cfm ">
>Click Here </a>
>
>Readers' Tips
><a href=" http://www.stretcher.com/stories/02/02mar04t.cfm ">
>Click Here </a>
>
>===========================================================
>
>HOME  OR  SMALL  BUSINESS
>
>New Business
>Planning and financing basics
><a href=" http://www.stretcher.com/brm/02/02feb26d.htm ">
>Click Here </a>
>
>Relatively Speaking
>Family employees are good business
><a href=" http://www.stretcher.com/brm/02/02feb27c.htm ">
>Click Here </a>
>
>Home Based
>Business tax deductions
><a href=" http://www.stretcher.com/brm/02/02feb28c.htm ">
>Click Here </a>
>
>Need Funds?
>Tough borrowing expected through 2002
><a href=" http://www.stretcher.com/brm/02/02mar01h.htm ">
>Click Here </a>
>
>
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