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Featured Article on All Things Frugal 

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Crushing Credit Card Debt

by David Berky

How much do YOU owe on your credit cards?

The average American family is now over $7000 in debt just on
their credit cards.

 That debt generates an interest charge of
over $105 each month if your card charges the average 18%.

If you
have missed a payment or made a late payment (even by one day!), you may be paying up to 27% interest or over $157 each month.

Most credit card companies require a modest payment towards the
card balance.

 Modest meaning from $10 to $20 a month. To pay off
a $7000 debt at $20 a month you will not pay off this debt for 29 years.

And what about those interest charges? Paying off a $7000 credit card debt charging an interest rate of 18% and paying $20 a month towards the debt, you will pay over $18,400, more than TWICE the
original debt, just in interest.

What if you have more than one card? What if your debt is over $7000? What can you do? How can you get out of this hole? more
 

 

 

 

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New Frugal Living articles and more recently added to the website

picture of a saladFrugal Recipes - Three Easy Bean Salad Recipes, by Rachel Paxton

Bean salads are always a big hit at summer barbecues and family get-togethers. They are easy to prepare and very inexpensive to make. They make a great accompaniment to any meal...


picture of a bath tubFrugal Home Improvement - Restoring Your Bath Tub, by Scott Rodgers

If you get a small chip, this can look a lot more serious, and you may be worried that this is the end of your beautiful bath's appearance. But no, again just like a car, you can fix it with a two-part car repair filler...


picture of a houseLoan Modification- Do it Yourself, by Rey Berona

How can you be successful with a do it yourself - and how do you get started to get the help you need? The secret to successful application approval is presenting your case in a manner that meets your lenders guidelines and fit within their loan modification policies...


picture of a swanInspirational - Boost Your Self-Confidence with These 5 Tips, by Cari Vollmer

With a healthy self-confidence (aka, self-image, self-esteem, self-respect) you'll take more chances and overcome obstacles -- faster. You'll set your SELF in motion which will set the world around you in motion...


picture of eggsWeight Control - 10 Best Diet Foods, by Richard Walker

When it comes to the best diet foods, it is important to remember that a healthy, balanced diet is the best way to lose weight. Through portion and calorie control, you can lose weight without feeling hungry...


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Frugal Money and Debt - How To Find Money To Pay Off Debt, by Kristine McKinley

One of the biggest challenges that many people face when trying to pay off debt is finding money to apply towards their debts. In order to pay off your debt, you have to pay more than the minimum payment, but this can be hard to do when you're having trouble just making ends meet each
                    month...                  


picture of a baby lampBabies - You and Your Newborn - Surviving the First Weeks, by Rachel Paxton

With the birth of your baby comes a new set of challenges. It is truly wonderful to become a new parent or a parent once again, but let's face it, the first weeks of your newborn's life can be quite stressful and overwhelming at times...


picture of a pet housePets - Pet Care Tips For Summer, by Mikael Rieck

As fun as summertime can be, it can also be a very dangerous time as well. There are a lot of different things pet owners need to be aware of to ensure that their pets stay safe this summer and enjoy the beautiful weather...


picture of recycling symbolFrugal Simple Living - 6 Tips To A Greener Home, by Richard Adams

Everything you do to help the planet makes things just that little bit better, and hopefully encourages other people to do their bit too...


picture of a carrotKitchen Help - Honey-Glazed Roasted Vegetables

1/4 cup honey
1/4 cup olive oil
3 Tbs balsamic vinegar
1 clove garlic, crushed
Salt, pepper to taste...



decorating pictureFrugal Decorating - Calling all Packrats: How to Turn *Stuff* into Style, by Pamela Cole Harris

If you are like me, you are always finding some treasure in a thrift shop or garage sale. A frame, a postcard, a pillow, a quilt, or some other knick-knack that catches your eye or touches your heart. But no matter how much you like the objects you find, they can become an all-consuming
                       avalanche of *stuff!*...


picture of a brideRomance - 5 Ways To Save Money While Planning Your Wedding, by Yasmin Shikina

1. Instead of floral centerpieces think about candles or colored stones. Line the bottom of a vase with colored stones. Set a candle or a few stems of your favorite flower (most likely this will be the flower chosen as your theme in your bridal bouquets)...


picture of a happy manInspirational Goal Setting - Believe It, by Steve Goodier

The potato salad, not the drinks, was apparently the culprit. Word was spread and those who were sick immediately began to feel better...


picture of breakfast foodFrugal Recipes - Crockpot Six Grain Breakfast, by Chet Day

2 1/2 Tbs Bulgur, uncooked (1 ounce)
2 1/2 Tbs brown rice, uncooked (1 ounce)
2 Tbs barley, uncooked (3/4 ounce)
2 Tbs millet, uncooked (3/4 ounce)
2 Tbs cornmeal, uncooked (3/4 ounce)
1/4 cup rolled oats (3/4 ounce)...


picture of an unhappy computerComputers - How To Stop Windows Errors And System Crashes, by Jason Z Bell

Is your system crashing unexpectedly? Have you been suffering from you PC running slow for as long as you can remember? Do you want to stop Windows errors? If you have said yes to any one of these questions, you should listen up...


picture of a woman exercisingWeight Control - 10 Secrets to Permanent Weight Loss, by Sonia Devine

When you are trying to lose weight it can be very challenging at the best of times, especially when there is so much information out there on the subject of weight loss. Many people feel confused about the messages they are getting...


picture of notebook and recordsClutter Control - Get Organized, by Julie Fuimano

Do you want to have more time, energy and space in your life? It's not as difficult as you may think. Thinking about clutter and living in disorganized space robs you of your energy, wastes your time and heightens your level of stress...


picture of entwined heartsRomance - Bringing Harmony To Discord, by Steve Goodier

I once talked with a couple about their marriage. They completed personality "testing" and were discussing some differences that had frustrated them both over the years. I summarized some of those differences for them...


picture of mother holding her babyFrugal Babies - How to Make Your Own Baby Food, by David Cummings

Parents are always thinking about ways to save money, and making your own baby food can be a great way to stick to a tight budget...


picture of laminate flooringHome Maintenance - Wooden Floors - Troubleshooting, by Centaur International

If you have wooden floors you’ll know how important it is to look after them properly, but what should you do when things go wrong? Below are some common problems you may encounter with wooden
                floors and suggestions on how to fix them...


picture of a beautiful womanBeauty - How to Treat Your Hair If it is Oily, by Louise Forrest

If you find that you hair is oily then you need to treat this as quickly as possible, because oily hair can sometimes be a little difficult to manage and it does lack volume...


picture of a drillHome Improvement - Top Five Home Renovation Tips, by Eva Judge

There's no reason to stress out about renovating your home. By keeping a few things in mind, practically any sort of home renovation can be done with success and ease...


picture of two dogsPets - Puppy Training Do's and Don'ts, by Brandon Layne

House training a puppy is important for the well being of your puppy and for your own sanity. The lack of house training is the number one reason that dogs wind up neglected, abandoned, or in animal shelters...


picture of a house for saleFrugal Home Selling -  Real Estate Short Sales, by Joe Manausa

A real estate short sale is when a home gets sold and the proceeds from the sale "fall short" of what the property owners owes on the mortgage(s) on the home. The bank(s) agrees prior to closing to accept a lesser amount than what it is owned...


picture of a vase of flowersHobbies - 6 Styling Tips For Your Fresh Cut Flowers, by Willie Jones

So your going to bring your grocery store or florist bought flowers home, now what! I have seen many people just plunk them in a vase of water and that’s it. Sometimes that works but here are some simple tips to make you look like you’re a pro at it...


picture of a cluttered chestClutter Control - What Clutter Clearing Can Do For You, by Stephanie Roberts

No matter what other factors may be dragging you down, I guarantee you that clearing your clutter will dramatically improve your mood and energy. And then any other problems you are confronting won't seem quite so bad...


picture of a sleeping boyHealth - Using A Room Humidifier For Health Aspects, by Claire Quaty

During the year many people are stricken by illness and/or allergies. One great way to help you alleviate, or even avoid, these problems is by using a room humidifier. Humidifier health aspects are great and definitely worth trying...

 

 

 

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What is the cost of raising a child?
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Maverick enjoying the summerFrugal Footnotes   

              The Hot Days of Summer                                                                     

Seasonal Sales -  Clearance begins on Summer Clothing, Bathing Suits, and
Air Conditioners. Competition continues with bargains on home improvement
items, including rugs and carpets.  Look for competitive pricing on stereos,
radios, summer sports and camping equipment.  Also priced competitively
are used cars.

Summer Articles -  Summer Vacation  Camping and Outdoor Activities
Family Road Trip Fun: How Best to Travel with Kids

Tips for Summer Car Care 
Travel Tips for Parents

 Food -    Cream Cheese Chicken   Crockpot Macaroni and Cheese  Strawberries and Cream Pie
2 Ingredient Muffins   Pasta Recipes    Cranberry Orange Jello   5 Minute 5 Cupt Salad

Spring Produce  -   apples, cucumbers, grapes, green beans, melons, lettuce, nectarines, peaches, peas,  
radishes, tomatoes

Frugal Inspiration - "Happiness isn't having what you want. It's wanting what you have."
 


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