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Archive for September, 2008

Sep 30 2008

Is this the beginning of the earthquake?

Published by kamirusma under Uncategorized Edit This

Yesterday saw a major crash of the Dow Jones. Is this the beginning of the economic earthquake?

The House rejected the major bailout plan and of course the pundits are blaming that for the crash. I personally was against the bailout. I don’t want my tax dollars to go toward bailing out more businesses.

How about a taxpayer bailout? Why not send more help to us “little people?” The government is hoping and banking on US spending our hard-earned dollars on big-ticket items to stimulate the economy. Christmas shopping anyone?

How about sending a little help our way?

Help me buy my groceries, pay my mortgage, buy gas for my car and pay my electric bill.

That’s what my money goes for and it’s stretched tight enough to pluck a tune on.

My husband has a good job in the motorcycle industry - but now this crash has enacted a slow-down in that. Understandable. Someone who’s struggling to feed their kids shouldn’t be spending their money on a motorcycle. Unless it’s used and they give up the car so the bike will save gas to and from work.

I’m looking at the prices in the grocery store and they’re going up, up, up. The price at the gas pump is jumping up and down. Ends are having a harder time meeting up all around.

It’s getting scary out there and I think it will only get scarier.

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Sep 29 2008

Save money on laundry day

Published by kamirusma under Uncategorized Edit This

Who doesn’t like to save money?

I don’t know of a single person who fits into that category. I’m sure you don’t either. We are all on the lookout for products and ideas to help us make our daily lives easier and save money at the same time.

At least I am. If you fall into that same category, you’ll appreciate a few tips that will help you save some bucks. Saving money is even better when it’s combined with something we do on a regular basis - like laundry.

1. Make your own laundry detergent.

It’s not hard at all, and it really is cheaper.

Liquid Laundry Soap

1/2 cup borax (I use 20 Mule Team)

1/2 cup washing soda

1/3 bar Fels-Naptha soap (or you can actually use any bar soap - even homemade lye soap - if using homemade soap, use entire bar)

Grate Fels-Naptha bar then add to 4 cups water. Heat on medium until dissolved, then add borax and washing soda. Stir until dissolved completely. Pour this mixture into a bucket, then add one gallon plus six cups of water. Stir, then let sit for 24 hours. Use approximately 1/2 cup per heavy load. Can also be used as a stain pretreatment - rub a small amount on the stain. A few drops of your favorite essential oil can be used to scent this soap. Store in lidded bucket or container. Makes approximately 2 gallons.

Granulated Laundry Soap

6 bars Fels Naptha soap

1 cup borax

1 cup washing soda

Grate Fels Naptha soap, mix thoroughly with borax and washing soda, store in lidded container.

The Fels Naptha soap has a strong smell which some people find unpleasant, some actually like. It’s really a matter of personal preference. Regardless of whether you scent the laundry soap or not, your clothes will come out smelling fresh and clean

Cost comparison (may vary from region to region): 1 5 1/2 ounce bar Fels Naptha soap, $1.29; 1 76-ounce box 20 Mule Team Borax - $3.59, 1 55-ounce box Arm & Hammer Super Washing Soda - $2.09.

Above liquid recipe makes 256 ounces, worth approximately 64 loads (using 1/2 cup per load) while granulated recipe makes 49 ounces, worth approximately 98 loads (2 tablespoons per load). Cost to make: liquid - $0.79 per 2 gallons (.012 per load); granulated - $8.46 per 49 ounces (.09 per load).
Note: Washing soda is NOT the same thing as baking soda (baking soda is sodium bicarbonate and washing soda is sodium carbonate - it is not safe to ingest).

All of these ingredients can be found in the laundry section of your local grocery store, usually on a top shelf. Ask if you can’t find them - they may be hard to see.

2. Hang your clothes to dry.

The electric clothes dryer is one of the worst power users in a home. Drying those clothes uses a huge amount of energy and runs up an electric bill.

If you don’t have outside space for a clothes line, indoor drying racks and small indoor retractable clothes lines can be purchased and easily installed in a bathroom or utility room. I’ve also put a retractable clothes line on a back porch to hang clothes - this works great if your porch is covered.

3. Try an alternative fabric softener.

It is possible to save money on regular fabric softeners - either buy liquid fabric softener refills or buy bulk packages of dryer sheets (most often available at warehouse stores like Sam’s Club).

I have found, though, that the most savings come through alternative fabric softening options.

Dryer balls are one environmentally-friendly option. They work on the principal that their design lifts and separates clothes while gently massaging and relaxing the fabrics. The dryer balls are reusable and eliminate the need for chemical fabric softeners. They are also hypoallergenic. Because the dryer balls lift and separate the laundry, they are supposed to reduce drying time by as much as 25% - reducing the electricity charge for running the dryer. The dryer balls are small, rubber balls covered in soft rubber nodules or bumps.

While the dryer balls do work, they don’t help with static electricity in your clothing. Combining the dryer balls with inexpensive dryer sheets will help and will keep the cost low. Most dryer sheets can be used twice. This doesn’t work with all brands, but try it with your brand to see. This doesn’t save you a whole lot of money, but every little bit helps.

Plain, white household vinegar can also be used in place of liquid fabric softener. A gallon jug usually costs less than $2. Use approximately 1/4 cup per load. White vinegar will also help soften your clothes when you hang them to dry.

4. Minimize your wardrobe.
Having clothing items that are easily mixed and matched will keep your laundry costs lower (fewer loads of laundry!) and will help declutter your closets and drawers. For kids, a good rule is seven dress outfits and seven play outfits per season. This is a great rule for adults too.

For socks, we buy packages of several pairs of plain white socks. Each sock is identical, making it easier to match up pairs (sometimes we do embellish girl socks with ribbons or lace so they are prettier). Each person in my household gets seven pairs in their drawer each week - then I try to wash socks only once per week (this doesn’t always work, but I try!)

5. Train your family to wear items more than once before washing.

Hang your bathroom towels to dry after each use. Instead of throwing your clothes in the hamper after taking them off, look them over to see if they warrant another wearing.

Around our house, we have the rule “If it doesn’t smell bad and it doesn’t look dirty (visible stains, spots or dirty), then it can be worn again.” This especially works with jeans. It does not, however, work with underwear or socks. Those items are definitely good for only one wearing. With kids, this rule doesn’t always hold true, because my kids usually get their clothes very dirty by the end of the day. On occasion, though - it does work out.

In addition, I’ve instructed my children to fold up their pajamas and put them under their bed pillow when they take them off. This keeps those jammies ready for the next bedtime, and out of the hamper.

Incorporating just one of these tips into your laundry day can help you “clean up” your budget and start saving a little extra.

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Sep 29 2008

Prepare for the coming winter

Published by kamirusma under Uncategorized Edit This

Cold weather is right around the corner and I am preparing for a rough one.
How do I know it’s going to be rough? I don’t - it’s just a feeling. And call me crazy, but I’ve been watching the signs of nature. Okay, so I don’t buy into all of them - but I do believe that God instilled in the nature around us an ability to see what is coming.
Last year I noticed my animals eating like there was no tomorrow and their coats became fuller and fluffier. I haven’t noticed this yet - but it’s still early. I have noticed that my rooster is getting to be a large hoss. That may have nothing to do with the coming weather, but I’m still watching.
Last winter we had nasty ice storms that iced everyone in and broke power lines.
What I have noticed is that the weather this summer has been strange - very strange - for Southern Illinois.
Normally, Southern Illinois summers are excruciatingly hot and sticky. The heat is great for the tomato crops.
This year, we had a mild, cool summer and the tomato crops were really bad. My tomatoes didn’t produce well and I spoke with many people I knew who had the same problem - terrible tomato production.
In addition, I’ve been looking at persimmon seeds. The validity of this one remains to be seen, but supposedly a spoon or a knife in the seeds mean heavy snow and bitter cold. A fork means light, powdery snow. So far I’ve found lots of spoons and a few knives.
So, I think I’m going to be prepared this year just in case. I plan to stock my freezer heavily and load up on canned goods, dry milk, and other staples.
I hope we have a mild winter and if we do, great - I’ll just have a full freezer and extra food on hand.
If not. . . well, I want to be ready.

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Sep 28 2008

Should we be worried about the current economic crisis?

Published by kamirusma under Uncategorized Edit This

I’m not a financial analyst or Wall Street whiz, but yep, I think we should be worried. Whether you’re a wealthy upper-cruster or like the rest of us, a real person, you should be concerned.

In my humble opinion, we’re just seeing the tip of the iceberg and things are only going to get worse. We’ve been seeing what happens when certain areas of the country run low on gas - it gets ugly. What happens when more banks go belly-up, people lose their money, and the grocery store shelves are picked clean?

Most Americans will say “Oh no, that’s not possible. Those things won’t happen.”

Do you suppose those same Americans said the same thing five or ten years ago about a possible mortgage crisis?

I’m sure there were plenty of Americans who said similar things before the Great Depression hit in 1929.

I think we should be concerned - and start preparing. We all need to put our financial affairs in order and brace for an economic earthquake.

I think it’s going to happen. Maybe not today. Maybe not tomorrow. Maybe it’ll take another ten years, but I do believe it’s going to happen.

I know I’m getting ready.

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