October deals

October is around the corner. Time to start thinking about best deals for the month. My favorite resources say to look for the following:

Large appliances

Lawn Mowers
Grills
Tires and other car care supplies
Outdoor sports equipment
Candy for Halloween
Cars (later in the month is always better as sales folks look to make their quotas)

As always, thank you to my favorite resources for this information: frugal living at about.com, Real Simple Magazine and bankrate.com.

Enjoy the month,

-reenie

Is it too early to start my personal holiday list?

Holy catfish, Batman! This gadget girl thinks she's in love. I get a daily email newsletter that talks about cool products/things to do, and they highlighted these funky glasses. I WANT them! These Myvu glasses plug into your video-based player or game system. Video eye wear. You put glasses on and see video -- anywhere! Ear buds add the sound. Have I moved to the land of The Jetsons?? My newsletter suggested wearing them while at a salon. Let's you tune out while your stylist does his/her magic.

The ultimate veg-out. Count me in. Maybe at the dentist, too.

Family -- are you reading this??

-reenie

House closing

So, dear readers, my house is finally under contract. Cue the marching bands. Yesterday I started making some calls on quarterly services (to put a stop to them), but also called my oil dealer asking them to not make any more deliveries between now and the end-of-October closing. They said the smarter thing (and best way to recap my money) would be to fill the tank the day before closing so that the buyer would be asked to pay for the full tank at day of closing instead of some guesstimate of the amount actually left in the tank. Really?

Help! Is this the smart way to handle this situation and my money? Or the smart way for the oil dealer to handle my money?? I hope people out there can tell me. I'm seeing my realtor on Friday and will ask him then, but was curious if others might know the answer. This is a new one on me. Figure the answer will be helpful to anyone buying a new home.

Not wanting to waste a single dime,

-reenie

Saving money on auto loans

I stumbled on a government website created to help people save money. WooHoo! Some of the ideas are helpful. Thought I would share a few here....

In terms of Auto Loans:
Make a large down payment and go for the shortest term possible to get the best interest rate (and save tons of money).

Check with your own bank on financing before agreeing to dealer financing. It can land both ways on this one given some of the special incentive financing deals offrer by car companies -- but it's best to know, in advance, where you'll get the best rate.

Look at both sides of the coin on better low-rate financing and lower sale prices by way of a rebate. Getting a low interest rate may mean paying a higher price on the car. Do the math to be sure.

Happy car shopping,

-reenie

Fall Clean-Up

Don't let the impending change of season get you down. Yes, there is likely yard work to be done (and at my house, we're talking tons and tons of leaves), but use the mindset to get yourself to your local Garden Center. Check out great prices on yard tools. Think gifts for the holidays for your favorite gardener (and that might be you!). And pick up bulbs to get your garden ready for Spring blooms! A trip to the Garden Center might inspire you for some work in the Spring (a great way to pass the time as cooler weather heads our way).

You just never know, but there are bargains to be had, so don't let the deals pass you by.

-reenie

September is National Coupon Month

Did you know that September is National Coupon Month? Me neither, but now we both do. I have to admit -- I used to hate clipping coupons, but as I have become more conscious of the money leaving the checkbook, I pay way more attention. I look for them before I buy something, and I hold onto them if I receive them at a store. I check local shopping websites to be sure I'm saving all I can (hint, hint). Are you doing the same?

Biggest caveat with coupons -- remember many coupons are put out there to push trial of a new product. Which is fine if you've been wanting to try the new product. Just be sure you buy things you meant to buy in the first place... things you are certain you will try and will not just sit on a shelf.

Happy clipping,

-reenie

Quality counts

Just because a garment is expensive -- does not mean it's well made. I'm a big fan of buying quality over quantity. InStyle had a great checklist in their September issue on what to look for...



Check beads and any extras. The fabric needs to be strong enough to hold the doodads sewn onto it. Make sure the seams around the areas aren't pulled or stretched.

Check the buttons. Gently tug to make sure they are attached well. (I think that is one of my biggest pet peeves when buying new clothing -- buttons that are ready to fall off before the item comes off the hanger.) Also, be on the look-out for extras -- either sewn into a hem or attached in a packet. Always good to have a back-up. I write the garment description on the envelope to help keep track in my button-box. In fact -- I did that just this morning.

Look at the lining. Make sure it feels cozy against your skin, and that it helps the item hang correctly when worn.

Patterns matter. Make sure they line up perfectly. I tried an inexpensive shirt on this summer - and, oh baby, the pattern was so off, it made my head spin. Back to the rack!

Check the seams. Make sure they are neat, and InStyle calls French seams (turned under and beautifully finished to hide raw edges) the very best!

Zip it! Does the zipper glide easily? Snags in the store only lead to bad things at home. Check it a few times to be sure.

There you go. Smart shopping tip for the day: look for quality on clothing items you plan on keeping for a few seasons.

-reenie

Save local business

I stumbled upon the 3/50 Project back in March and made a note to mention it here. It's a really simple premise: encourage shoppers to stop by three local retailers throughout the month and spend $50. Local purchases help keep the local stores you appreciate in your community in business.


The 3/50 Project site notes that when local consumers patronize local businesses -- more money stays in the community through taxes, payroll and other expenditures. It's a simple premise and one that makes sense -- even more sense if you can save with discounted gift certificates purchased online (before you shop, have a service performed or eat out). Save and keep your local economy strong -- it doesn't get any better.

-reenie

Reenie Goes Green; Part 3: Green Cleaning

I think I mentioned I asked my friends back in June how they were saving money in this turbulent economy. One friend responded with a reference to green cleaning. She is making all of her own cleaning products. Using very basic ingredients.

She didn't elaborate on her recipes, but I did some digging online, and found that white vinegar, baking soda, ammonia, rubbing alcohol, olive oil and lemon can be your best friends in your quest to both cut down on potential toxins, and SAVE money. I won't elaborate on recipes here, but they look super easy, and completely worth trying. I mean the costs do add up when you buy cleaning products -- why not give this a try with ingredients you already have at home. It's on my to-do list.

Keep it green,

-reenie

September deals

September is around the corner. Are you ready?

Time for the deals.

Be sure to look for these items before the month is out (remember, it's only a deal if you really need the item):

Homes (Yes, please! As readers know I'm trying to sell mine; but not at too much of a deal.)

School supplies (the discounts will be deeper as the month goes by)

Canned goods (get a jump start on the items you might need for hearty cold-weather soups)

Grills and grill supplies

Party supplies (again, if you're planning Halloween or Holiday parties -- think now)

Cars (look for the end of year clearance sales)

Lawn mowers

Large appliances

Scooters and bikes

As always, thanks to the sources I rely upon for this information: frugal living at about.com, Real Simple Magazine and bankrate.com.

Get out there and save,

-reenie

Tips for better fall shopping

Last Friday night I had a lovely evening reading my latest InStyle. I sat down and read the massive book from cover to cover. That doesn't usually happen, but I had the time and I was in the mood.

There were great stories on better shopping (they got me thinking about my last piece on shopping for back-to-school). Below find the ideas from the multi-page feature that really resonated with me.

If you know you need to update your Fall wardrobe, make it a priority in your calendar. BUT before you schedule that block of time (yes, I said schedule) -- check out what you have and decide what you need before you even leave the house. Need some new pieces? Add them to your list, but be specific. Need to replace some worn-out staples, make sure you list them.

In terms of that schedule block -- try to do it before Noon. Get staff when they are fresh and the store is still in order. Late in the day may translate into tired sales staff and sizes that are out of order and hard to track down.

Make the excursion easier by bringing the right things with you: the magazine noted that easy on/off items (like slip-on shoes and an easy shift dress) are key. They also stress having the right underwear depending on what you are looking to find. Need a strapless dress? Be sure you wear or bring your fave strapless bra to be sure everything works together. A roomy handbag is a plus. Make sure it goes over the shoulder for easy size-hunting, and because it will have room for your go-to heels if you need to judge looks with a different pair of shoes.

Finally, the after-purchase tips. I love these. Don't remove the tags right away. Hold onto the new items for a day or two to be sure you didn't buy in the heat of the moment. Also, be sure the new items work with the pieces you already have. Don't just assume they will go together. Pull the old pieces out of the closet and try everything on in front of a full length mirror. If they don't work, it may be best to return them and find pieces that have more flexibility.

Ready to shop,

-reenie

School clothes - tips on getting through the shopping experience

School clothes... I still have memories of that shopping ordeal. The bad memories come from my own childhood, not from buying for my daughter -- surprisingly. I was fortunate in that my Aunt took my daughter school-clothes shopping for many years.

BUT, I was reading about fall shopping last night (in one of my many magazines) and it got me thinking about the impending change of season and how we all could shop better with a little extra thought. Today -- clothes for back to school. Next week - ideas for grown-ups.

First and foremost -- know what they need. If you haven't done it already -- do a fashion show with the clothes they already have. See what fits. See what needs to be fixed. AND get rid of the stuff that is either too far gone or is too small and needs to find a new home either with a younger sibling or at your local Goodwill or Salvation Army. This includes everything; socks, underwear, shirts, pants, shoes, sneaks.... You get the idea.

Next, look at the school dress code. Make sure nothing has changed from the year before. Are there rules against text on T-shirts? Do skirts or shorts need to be a certain length? Are jeans OK?

Make a list and stick to it. I say this all the time, but it's so easy to get off track if you don't know what you need. For older kids with eyes on high-end labels, discuss in advance what you are willing to pay for and what they will need to pay for.

Shop summer sales now. A lot of stuff from summer can be used as a layering piece in the fall. Look for sales on tees, jeans, underwear and socks -- again, those will take you into fall and maybe even winter. Lightweight summer sweaters can be a great way to start the fall.

Once you have gotten what you can from sale racks -- check out full price. BUT only buy what they need for the first few weeks of school. There will be more sales as the weeks go by.

Happy shopping!

-reenie

Staying cool

OK, it's hot where I am. It's the middle of August -- it's supposed to be hot. Right? In any case, as this is the summer of selling my house, I elected to leave the ACs out of the windows. They look so ugly to me, and up until this week, it has been OK.

So, to beat the heat over this past weekend I went to a matinee on Saturday afternoon with my daughter. Yes, it was beautiful and sunny outside, and some folks may have picked beach over being inside, but I elected cool. It was the best few dollars I spent all weekend.

With that beat-the-heat idea behind me, I started thinking that there had to be more ways to beat the heat on a budget. Leave it to the Internet. I found a few great ideas on how to stay cool, for less.

Tip 1: Consider visiting your public library. Do some free reading while you're there.

Tip 2: Check out local listings for free or low-cost events happening in your city or town that are likely held in air conditioned space. Thinks theater, art exhibits, music or craft shows.

Tip 3: Hang out in a roller skating or ice skating rink. If you don't skate -- offer to take your kids or your friends' kids. You can always watch them skate and read/relax at the same time.

Tip 4: Take yourself out to lunch during the heat of the day, instead of at dinner. The restaurant will likely be well air conditioned. Be sure to look for money savings gift certificates online before you go.

At home, be sure to keep shades drawn and use ceiling fans when possible. And hydrate, hydrate, hydrate!

Stay cool,

-reenie

Tips for home chores

You've heard me talk about my house being on the market. Well, it's still on the market, but that doesn't keep me from reading all kinds of home fix-up tips. I stumbled on a handful that appear to be from This Old House. I love these ideas for those of us looking to do work on our own.

Love this first one, and, yes, I think I've heard it before, but it really doesn't stick unless you know painting is in your future. Make sure you note the paint color of the freshly painted room by writing it on a piece of tape and sticking it on the backside of the the light-switch cover plate. I can't tell you how handy this would have been when I was retouching some of the rooms in my house before the For Sale sign hit the front lawn. This will keep you from guessing and buying the wrong color when you need to touch-up. Don't ask...

Second tip -- and I will say I have not tried this one. Please comment if you have and let us know it it really works. Try canola or corn oil to clean oil-based paint off skin instead of mineral spirits. They say it works great and softens your hands, too. Just wash it off with soap and water. One less thing to buy if you keep vegetable oil in your kitchen.

Third tip, and I am so going to try this. Try spraying Nair hair remover down a clogged-with-hair drain. Again, one less product to buy if you already keep Nair in your bathroom.

I'll share more of these as time goes by, but these were my top faves from the more-than-thirty I found.

Keep it easy,

-reenie

Entertaining kids for FREE!

A friend who knows I write this blog keeps sending me great money saving ways to entertain kids. Now, let it be known that my "kid" is 20 years old and typically does not look to me for entertainment, but I can't help wondering if what my friend sent recently was available when my daughter was younger. Clearly, I was asleep at the switch if these fun how-to classes were available back in the 1990s.

My friend has shared that big box home centers in our area hold simple how-to-build workshops for kids (typically 5-12 years old). For FREE! I checked the one she sent and with their major competitor, and they both have classes. They're not every weekend, but hey, if you can sprinkle in some free with some paid stuff (and hopefully discounted), all the better for your wallet. It may have been a while back, but I still remember how costly summer vacation-entertaining for kids could be. I'm all for a good deal. And here's a personal tip: I'm a fan of locally owned home/hardware stores; maybe check in with one of the local establishments and see if they'll offer the same. What a great way to bring a community/neighborhood together.

Thanks for the tip, Karen!

-reenie

One more reason to use your credit card online

Back around the holidays I mentioned that it was wiser to use a credit card vs. a debit card when shopping online. In fact, a reader asked a specific question on why. Well, a friend just pointed out a recent news story out of New Hampshire that makes the reason crystal clear. So, I feel the need to say it again.

Basically, a man bought a pack of cigarettes at a gas station using his debit card. His account was incorrectly charged over 23 quadrillion dollars. For those wondering (and, yes, I was one of them), a quadrillion is the next step higher above a trillion. Yikes. AND it is a 17-digit number. Double yikes!

Apparently the man spent two hours on the phone with his bank trying to get the mess untangled -- all the while making it that much harder for him to manage his daily cash flow. Not to mention the overdraft fee he must have been fielding. If he had used a credit card -- the issue would have been entirely different. You can issue a challenge on any charge on a credit card, and that allows for resolution time that does not impact your checking account balance.

Now, my question is what did the receipt say? I have only once in my life had the bank do something different than the slip (and that bobo was in my favor -- so it was all good). So, two pieces of wisdom -- it is easier to manage issues with a credit card vs. a debit card. AND always, always look at the receipt if shopping in person!

-reenie

August deals

Another month bites the dust. Who put Summer on high speed? In any case, August starts TOMORROW and it's time to share the deals.

Look for these home items:

outdoor furniture

linens/towels

school supplies

pool supplies

outdoor toys

For yourself:

swimsuits

pre-season sales on Fall clothing

And for your pantry: looks like August is a good month for canned goods.

Kind of an eclectic list, but stuff I know I need. Might as well save.

As always -- thank you to the sources I rely on for this information: bankrate.com, Real Simple Magazine and frugal living at about.com

Now get out there and enjoy Summer and SAVE,

-reenie

Better health care shopping

Boy, I sure hate even typing that headline, but it is a reality we all need to deal with. Just last week I read some tips on finding ways to save on health care insurance when, days later, one of the very scenarios I read about happened to me.

I had a quick medical procedure performed last month. I asked my doctor about his network status and thought I was completely covered when I confirmed his network membership. Turns out the surgery center was also in network, but the anesthesiologist was not. I received a health insurance summary noting what my additional out-of-pocket expense would be after my carrier paid their out-of-network share. I had made the very mistake the tips list warned against: I had failed to make absolutely sure that EVERYONE involved in my medical procedure was in the network.

Fortunately for me -- when I called the non-network provider and explained the situation they agreed to accept the insurance payment as the total. Lucky for me.

So, be a good health care consumer, and do what I did not: don't assume everyone is in the network just because your physician is a member. My situation had a happy outcome, but I think that was sheer luck. I won't make that mistake again.

Wishing you good health (and no need for health care shopping),

-reenie

Groceries - more tips for saving dough at the grocery store

A friend shared a Yahoo! Finance article on "The Lazy Ways to Save on Groceries." I know I did a quick entry back in February on saving by buying above and below eye level, but these extra tips are great ideas, too.

-Per Unit Pricing

Let the little label on the shelf do the math. Be sure to check out the cost per unit when comparing prices. Strangely enough the big container isn't always the least expensive. Often, but not always.

-Cut Your Own Veggies and Fruit

You will pay more for convenience. Plain and simple. To save on produce -- cut the veggies and fruit by hand, and skip the pre-cut options. Same applies to single serving containers of packaged foods like oatmeal, cookies and chips.

-Skip Status

Store brands are often on par with name brands. Do your own taste test before writing off the store brand's quality.

-Stick to the List

How many items do you impulse-buy? I'm too embarrassed to include the answer here. Trust me. It isn't pretty. Make a list. Stick to it when you shop (much like with holiday shopping) and you will save. Plain and simple.

-Stop Feeding your Trash Can

Americans waste a lot of food. A whole lot of food. Remember the list? Make a weekly menu while you're at it, and avoid buying more than you can possible use -- especially perishable items.

Save on,

-reenie

Tax Holidays

I've been seeing a lot of stories on tax holidays (days you can shop and not pay sales tax). Interesting to note -- some areas have cancelled previously scheduled tax holidays, so I'm reluctant to link to a list that has them all (for fear the list might be dated). Below find the list I think is correct as of today. Please check with state officials to verify dates and eligible purchases:

- Alabama
- Connecticut
- Georgia
- Iowa
- Mississippi
- Missouri
- New Mexico
- North Carolina
- Oklahoma
- South Carolina
- Tennessee
- Texas
- Virginia
- West Virginia

Historically Massachusetts has offered an August tax holiday, but the information I am reading today indicates that it won't likely happen in 2009. If you know of a state I have left off (or one noted above that has cancelled) -- please add it in the comments section.

-reenie

Pet savings

Big news. I'm getting a new puppy. She was born on June 27 and will be coming home with me on Saturday, August 22. To say I'm excited would be the understatement of the year. Now, my old-man dog probably won't share my enthusiasm, but I am hopeful he will learn to love her the way I already do. He's going to be 12 in November -- and I'm hoping he's not too old for some new tricks. The new pup's name is Marlo (remember That Girl actress and Phil Donahue's wife, Marlo Thomas??). See my Marlo pictured here at 11 days old.

So, why do I tell you this here? Well, when I asked friends for their tips on saving money I got a long laundry list of ideas ranging from how to save on electricity (see July 14 post), to, you guessed it, ways to save on pet expenses. She mentioned that her Veterinarian holds monthly vaccine clinics where you pay a smaller charge than a usual visit (only if the pet has been seen by the doc within the last year and is not receiving a vaccine that state law mandates must be given by a doc). We don't go to the same practice, but she mentioned her doc gives a small discount on visits to families with multiple pet patients. I have two cats and a dog already -- Marlo will make four. I'm thinking I must qualify for something...

Many thanks to Kyle for bringing this up and reminding me that there's usually another option that can save some money if you spend some time looking for it.

-reenie (AKA: Marlo's new Mom)

Reenie Goes Green; Part 2: Saving electricity

This post is courtesy of my friends. I kept seeing this bank commercial about the little things people are doing to save money in our challenging economy. It got me thinking: I bet my friends have great money saving ideas that I should share here. My email plea went out last week and within 24 hours I had enough tips to fill a small book. So -- instead of putting them all together, I'm going to share them in categories. Today, the category is electricity. From the pens of Allie, Brad, Mary-Anne, Kyle and Stephen. Thanks, guys!

-If you're lucky enough to have a vacation home -- be sure to turn off the electric hot water heater when you'll be gone for a bit of time. Speaking of hot water heaters -- one friend mentioned saving $50 a month on her electric bill by switching from an electric hot water heater to an on-demand propane hot water heater. (That one only works if you have access to propane.)

-"Be maniacal about turning off lights." (Had to leave the quote -- I don't think I've ever heard my friend actually be 'maniacal' about anything.)

-Keep your dryer (please make it energy efficient), but when at all possible dry your clothes on a line. Friends tell me they save $50 a month in electric bills during the summer.

-Beware phantom load. This sounds like something out of Star Trek, right? Well, in plain English it means to unplug electric appliances when they're not in use. Think coffee maker, toaster, your cell phone charger when the cell phone is in your purse, the VCR, the microwave, etc, etc. Even if you are not using the item -- there is a small draw of electricity when you keep it plugged in. And, while you're thinking about plugs and table lamps, consider energy-efficient compact fluorescent light bulbs (but I've said that before).

Happy saving and lucky me to have such smart friends!

-reenie

Polaroid PoGo

OK... I'm still trolling through my stack of old magazines and stumbled on the details of the Polaroid PoGo camera -- launched in January of this year. OK, I'm behind. I admit it.

I don't know about you, but I have fond memories of Polaroid cameras and my Dad. He was a gadget-hound like I am -- guess I come by it rightly. In any case, this new digital Polaroid comes with a built-in printer (yes, I said built-in). You snap the pic and you print it, and unlike the Polaroid cameras from my youth -- you can store the picture, too. Oh, and you can choose to print your photo with the tell-tale Polaroid border of our (my) youth. Brilliant. I want one. What a fun thing to bring to a summer bbq with friends.

Anyone out there have one of these yet? I am so curious on how they feel. I loved, loved, loved the Polaroid press release. It noted that most people remember the fun of shaking the photo to make it materialize, which, of course, you don't have to do with this new Polaroid, unless you want to. This print comes out ready to view. "...the 'shake' is totally optional." Did I already say brilliant?

-reenie

Save money and feel pretty!

I love ideas that save money and make a season more fun at the same time.
I spent a large part of the 4th of July weekend going through a tall (and I mean TALL) stack of magazines.
I found a couple of great money saving beauty tips. Don't get me wrong -- I love getting pampered at the spa or salon, but in between visits -- a girl needs to take care of herself - right?

Tip 1 from InStyle: if you want your face to start the day with a little glow -- simply mix a drop of self-tanner into your night cream the night before. Be sure to let the mixture dry before you pull on your PJs or touch your skin to the pillowcase.

Tip 2 from Natural Health: mix your own body scrub. Combine 1 cup of sugar (use white or brown sugar with medium size granules) with 3/4 cup of oil (the mag suggests fractionated coconut oil), and 2-3 drops of the essential oil of your choice (simply pick your favorite scent, like lavender or peppermint). Stir to combine and use like the body scrub you normally purchase.

BUT be sure to treat yourself to a relaxing body scrub or facial at your favorite salon or spa (using a discounted gift certificate, of course). There's nothing finer during a stay-cation than a little local pampering!

-reenie

Cell Phone Savings

You've seen the commercials. I won't mention the carrier, but basically the beautiful spokesperson offers mobile phone customers "plan makeovers." I know it got me thinking about ways to save on my monthly cell phone charges, and I don't even use that carrier. Then I happened to stumble upon a few articles on general ways to reduce your monthly cell expense.

-Check your plan. Make sure you are signed up for the right level. Get a handle on your use-history and select accordingly.

-If you talk less than 200 minutes monthly (and don't need a data plan), you should be looking at a pre-paid plan. A couple of carriers offer programs for 200 minutes and lower that range in the $20-$25 range. A big savings compared to my monthly plan, but I do need a data package.

-Search out other calling plans (separate from your carrier) if you are making international calls. The swing in price per minute can be staggering.

-Look at when you talk. Do you do most of your chatting in the evening? Be sure to check out special flat-fee overnight calling features. This way you can get bare minimum minutes during peak, and play a flat fee for unlimited calls in the evening.

-If you send or receive even one text a day -- look at a text plan. Especially important if you have text-happy teens on your plan. Paying a flat .20 per text could add up during the course of the month and make a flat fee well worth the expense.

-Also, don't use directory assistance on your cell phone. Usually costs way more than you think it will. And, finally, 800 numbers dialed from your cell phone are not toll free to you (you are still racking up time spent). Dial from a landline whenever possible.

Happy dialing, and, hopefully, saving,

-reenie

July deals

July starts tomorrow. Really? Has June flown by for everyone else, too? In any case -- time for me to share good deals to look for in July.
Here goes:

-Grill Supplies
-Party supplies (like disposable plates, cups, napkins and utensils)
-Furniture (have to say -- this one surprised me -- figured it would be later in the year, but I have seen a lot of furniture sale commercials for the holiday weekend)
-Home Decor (geared to the bulk of weddings happening in the month of July; happens again when weddings spike in September/October)
-air conditioners and major appliances (especially on the holiday weekend)
-craft supplies

Find best food prices on:
-typical bbq foods like hot dogs, ground beef
-hamburg and hot dog buns
-condiments for all those grilled items
-salad dressing
-chips
-ice cream and popsicles
-soda, bottled water and iced tea (mix and tea bags)

As always -- thank you to the sources I rely on for this info: bankrate.com, Real Simple Magazine and frugal living at about.com

Happy July,

-reenie

Cash for Clunkers

Have you heard about this new program? Some call it "Cash for Clunkers" -- others stick with the more formal moniker: the Car Allowance Rebate System (CARS). If you own a care that has an 18 or fewer combined miles per gallon fuel rating, you may qualify for this rebate program. If the thought of driving around in your gas guzzler this summer has you less than thrilled, and you're thinking about a new car purchase... you need to know a few things about how this works:

-Your vehicle must be less than 25 years old on the trade-in date
-Only purchase or lease of new vehicles qualify
-Generally, trade-in vehicles must get 18 or less MPG (some very large pick-up trucks and cargo vans have different requirements)
-Trade-in vehicles must be registered and insured continuously for the full year preceding the trade-in
-You don't need a voucher, dealers will apply a credit at purchase

Most of the info I've read says to shop in late July to early August -- just be sure your dealer is up on all of the details before you sign on the bottom line. Depending on what you buy (and if your vehicle qualifies) you could save between $3500-$4500.

The program is being administered by the National Highway Traffic Safety Administration (NHTSA) and they are coordinating with car dealers on how to make the program work. Keep in mind, purchases need to be made from the program start to November 1, 2009. From what I have found -- the start date is a little loose because of program start-up issues, but well worth waiting for. The best place to find info on how the program works, or if your old car even qualifies? The government's official website: http://cars.gov. Don't let non-government websites ask you for personal information (some of those bad-boys have already popped up). You can get all you need on the dot gov site.

Happy car shopping,

-reenie

Editor's Note, July 31, 2009 - Just heard on the radio that the program has run out of money just one week in. Sounds like Congress is trying to find more money to inject into the program. I'll keep my ears/eyes open and post new info once I have the details confirmed.

Making a house a home

I think I have hit the 70+ number on houses I've toured since I decided to put my house on the market back at the beginning of this calendar year. My house still has not sold, and I'm trying to do all of the things they tell you to do -- but that said, I'm still out looking at new houses every chance I get. I want to be ready when that great offer comes in -- I want to know what's out there and what I like.

Don't get me wrong -- I love my current house. It just happens to be almost twice the size I need, and in this tender economy, that just doesn't make a lick of sense. I'm looking to downsize -- to lower my monthly mortgage, lower my monthly utility bills, lose the equity line balance, and lessen my commitment to weekly interior and exterior chores. Know what I mean? I'm also looking forward to pruning out even more clutter.

The fun part is when I stumble upon articles about decorating trends because I have to tell you -- the majority of the houses I've been looking at will need help in that department. (Not all, but surely most.)
I found this nugget on the Kansas City Star website -- wallpaper is making a comeback! I've never been a huge fan, but the article I stumbled upon talked about some interesting trends. They include:

-The designs are not all that different in 2009, but have gone large scale.
-People are using the larger images in rooms where people don't spend tons of time -- like powder rooms or hallways.
-Doing just one wall, or even the ceiling, adds dimension without overpowering. (I personally love the ceiling idea -- I had a darker shade painted on the ceiling of my bathroom in my last house -- I LOVED it! I can definitely see how a wallpaper design could add the same fun effect.)
-Modern wallpaper can have raised texture now -- like never before. The article likened the update to matching up with couture trends on fashion runways.
-The green movement has hit wallpaper factories, too. Not only do people use grass-like motifs -- some of today's wallpaper is made of bamboo, reeds, natural grasses and the like -- making it both eco-designy and eco-friendly at the same time.
-Designs are being influenced by far-away places. India and Africa seem to be the trend setter areas for now.

I'm toying with this whole wallpaper idea because sometimes paint just doesn't have enough punch in a room. And the article notes -- that new wallpapers are becoming both easier to install and easier to remove (when the time comes for you to change up the room).

Funny - most of the houses I've seen lately don't have wallpaper -- except for those top-of-wall borders I really don't like. I'm thinking doing a single wall or a ceiling sounds like a great, inexpensive way to make a room feel more polished. I'll keep you posted as my new house journey continues...

-reenie

Reenie Goes Green; Part 1: Saving water

I opened my water bill last night. It was a good 25% higher than last month. Yes, my daughter has moved home for the summer, but really? That much more? So happens I stumbled on a great piece in Natural Health magazine on how to save water. I think sharing some of the green tips I stumble upon deserve space in this place. Today is part 1 of a series that could go on for a bit. I'll probably do a green piece every couple of weeks. If you have ideas -- please share them.

Natural Health offered up four tips, and three sound like a quick trip to your favorite local hardware store will handle the detail. The fourth idea is more of a long-term commitment, but one worth noting:

Tip 1 (the long-term one)
Choose a front loading washing machine that is ENERGY STAR-rated. Front loaders use about half the water as their top-loading cousins. This change can save you 20-25 gallons per load.

Tip 2
Install faucet aerators. These gems will help you reduce water consumption by about 60%.

Tip 3
Install a low-flow shower head. This one might be harder for those with long hair -- I know. But I have short hair and am not too worried. The magazine says the newer models offer plenty of water pressure. Depending on how many showers are going on in your house -- you could save thousands of gallons a year.

Tip 4
Check for toilet leaks. This, dear readers, is one I've never heard before. Apparently you need a special dye tablet (and the article mentions that some water companies give them out for free -- check with your company for details, but I'm guessing they are also available at hardware stores). You drop one in the tank, and if dye appears in the toilet bowl -- you have a leak. Call a plumber to fix, and if you have to replace the toilet, opt for a water-efficient model. Another 2,000 gallons saved (but that must depend on the number of people in your house -- and the magazine does not elaborate).

So there you have it. Save water, save money. It's that easy.

-reenie

Eat your veggies!

I love Bon Appetit's online calendar. I learn something new every month. Today's tidbit is really about tomorrow, but completely connects to something I was thinking about today. Sound confusing? Stick with me.

Tomorrow (June 17) is Eat Your Vegetables Day. How does that connect with today, you ask? Well, I was visiting with my eye doctor this morning and had a good check-up. It got me thinking about how lucky we are when we have good health. Which then got me thinking about food and maintaining good health (all of the waiting-room magazines were about healthy eating). Which, of course, got me thinking about making better food choices. I'm not going to lie -- I like to eat out. I like it a lot. But today -- I realized that if I'm going to continue to eat out -- I need to make better choices. Simple things like whole grains, less fried food, more veggies (see it does connect) or no sugar in the coffee. I will never tell you to stop doing something, but I will suggest you consider modifications. Baby steps. They add up. So, tomorrow - when you're eating your vegetables -- think about other ways to keep healthy and if you're going to be eating out -- save some money along the way. It's as easy as buying a discounted gift certificate to your favorite local restaurant.

Happy veggie day!

-reenie

June is Great Outdoors Month

In addition to being Dairy Month, June is also the home of Great Outdoors Month. Are you and your family ready to enjoy the great outdoors? I'm a city girl, I admit it. I grew up in the city, and have always done better sleeping inside versus sleeping outside. But camping can be fun IF you're prepared. And prepared means having the gear you need before you hit the great outdoors, because if you're buying stuff on the fly -- you're probably spending too much.

Check out this great gear checklist at The Camping Club's website. Be sure you check with local retailers for the best deals on the items you don't already have on hand.

In addition to this list -- I would add the following thing: a head lamp. I looked silly, but it made all the difference in the world on my Fall 2008 camping trip. I also tucked a heavy duty plastic bag in my pack for storing the last day's wet towel -- kept my other stuff nice and dry for the trip home.

Now get out there and enjoy the great outdoors before June is over!

-reenie

Father's Day Gift Tips

Father's Day is on Sunday, June 21st this year.
I've been trying to think about some different gifts -- not that ordinary tie or gadget. Not that there's anything wrong with a tie or a gadget!

How about a round of golf with Dad? Whether it's on the 21st or another day -- a handmade gift certificate noting the selected time and date would be a great addition to a Father's Day card.

My daughter once scheduled a special Father/daughter-only lunch & movie with her Dad. Yes, I supplied the funds (she was 13 at the time), but it was a special moment for the two of them.

Is Dad a Mr. Fix-It dying to break free? Check out his tool selection and see what's missing. Surprise him with that special tool he's been coveting. And as mentioned in a previous post -- you'll probably find some good pricing on tools this month.

For the Dad striving to up his eco cred, how about an aluminum water bottle? No more plastic bottles. Money saved -- along with the environment.

Is your Dad the house's Grill Meister? There are some great tools to check out, from fork-thermometers, to great aprons, lights and grilling tools.

Does your Dad love a clean car? You can go the homemade route and offer up some handmade car wash gift certificates for driveway baths, or go a step further and pick up a car wash/detailing gift book from your Dad's favorite local car wash.

And, best of all, if you find some great deals on ideas like these -- all the better. Be sure to look for them! And if Dad loves a good tie, by all means get the man a gorgeous new tie!

-reenie

Tips for saving while you travel

It's summer time and you're probably thinking about a vacation, but in our turbulent economy you may be reluctant to outlay the funds for a vacation the way you used to spend. I know I'm thinking about this, so I did my usual Internet search and found some great money saving tips for traveling abroad on gogalavanting.com:

Understand airfare pricing cycles. Airlines change their rates on a pre-determined cycle. Be sure you are looking at rates at the best time to buy. Also -- consider traveling through a different close-by city. That on top of being flexible on departure and return dates may help you save some serious cash.

It traveling abroad with a group, consider renting an apartment or swapping your house. You'll have more room, you'll get a better sense of local culture and you'll probably save money in the long run.

Learn to say "no" to tour guides. Be sure you take control of your experience. It's illegal in most places, but sometimes unscrupulous tour guides will take you to restaurants, shops and sites where they receive kick backs. If the prices you are seeing seem higher than your expectation -- insist on a location a few storefronts down to see what's really going on.

Speaking of storefronts. It's always best to shop locally for souvenirs when abroad. This way you are more likely to get items truly crafted in the area you are visiting. A new idea for souvenirs/gifts: think about buying prints from local artists.

Finally, consider leaving your travelers' checks at home. They can end up being more costly in the end, and you don't always get the best exchange rate. You'll get better exchange rates using your debit card in a local ATM. Using credit cards for purchases also helps with getting a better rate of exchange. Be sure to have your bank/credit card company information in a safe place. Always good to have the info you need on hand should you lose your cards while on vacation. Just don't keep the info in your wallet. Also -- per gogalavanting and my own personal experience, it's a good idea to have a little local currency on hand before you depart. That way you're not scrambling when you arrive. Your local bank branch can help -- just factor in a few weeks in case they need to get the currency from an out-of-state source.

A lot of these principles apply to domestic travel as well. Be sure to check out local shopping websites before heading to a new city. Much like this site -- you may find some great local deals before you even leave home. Shopping local really is the way to go!

-reenie

Plant selection tips

So, if you struggle with how to make your yard beautiful -- this post might be for you. It's a struggle I have. In the end I always trust the folks at my favorite Garden Center, but I want to appear closer to smart than not when I get there. I found these four tips on a state agricultural website:

-If you choose the right plant for your area it will flourish. It will grow well, defend itself against pests, fit the space, enjoy the sun and tolerate the soil. Be sure to pick plants that are right for where you are going to plant them. Don't be swayed by a pretty face.

-Think small when planting trees. Smaller diameter trees don't require as much maintenance and start adding depth to your landscape faster than larger diameter trees. Another tip in this area -- think about where you are planting the tree, and what kind of root system it has. Don't be too close to a house or select a tree whose roots will have negative impact on your home's foundation.

-Stay away from invasive plants. They spread and they can endanger native vegetation. Most states have a list available of plants that ought not be on your property.

-Look for plants that are naturally pest and disease resistant. If they have built-in immunity -- you reduce the need for pesticides.

As I said, my favorite Garden Center is the best place for advice, but these tips can have you planning ahead before you stop by.

Happy planting,

-reenie

June deals

June begins on Monday. Where or where did May go? Seems like it was only yesterday that I was writing about May Day.
That whine aside, it's the start of a new month and time to talk deals for June.
Did you know June is National Dairy Month? Nope, me neither, but now you do. That might be why ice cream is on the list of good deals in June.


Also in the food category:
-popsicles
-soda
-bottled water
-iced tea mix and tea bags
-other dairy products (but once you have ice cream -- do you really need any others??)

In the non-food category; look for:
-home fix-it tools and materials (a nod to Father's Day, I suspect)
-summer fashions (because you know fall clothes will be out on the racks by mid July)
-TVs and portable music players

So, enjoy this month and start thinking ahead to Father's Day. I know ties didn't make the list, but come on, we know they should have!

-reenie

10 Lawn Care Tips

My daughter and I were walking the dog the other day and happened by a neighbor's lush, green lawn. Even my daughter commented on how healthy and beautiful the lawn looked (perhaps it was a veiled critique of our rather sad-looking back lawn). I started doing some research on tips for a healthier, do-it-yourself lawn. Here they are:

1. Water thoroughly at least once a week (and more during really dry spells). If you leave footprints while walking on the grass -- you probably need more water.

2. Take care of the weeds and pests FAST. Don't wait for them to take over. Be sure to get the right supplies at your local garden center.

3. It is OK to leave clippings behind if they are not too long. The clippings can add nutrients back to the soil. In season -- that might mean mowing every five days. Cut back when the weather gets very dry.

4. Make sure the blades on your lawn mower are sharp. If they're dull you end up tearing and hurting the grass. If you tend to hit debris (like rocks and sticks) while mowing -- you will probably have to sharpen the blades more often.

5. Reseed the bare spots early fall or spring.

6. Fertilize correctly. Check with the folks at your local garden center for proper application timing and tips.

7. Have you aerated your lawn? You can do this with raking, a dedicated aerator or even aerating shoes. Adding space to the soil allows the grass to breathe and grow better.

8. Don't cut it too short. And avoid mowing when the grass is wet.

9. Change up your mowing direction. You'll mow more evenly if the blades of grass don't get into a set growing pattern.

10. Clear large debris before you get the mower going. Saves you time later and helps to protect your mower blades.

And, if all else fails and doing your own lawn is not your thing -- look for a local professional.

Happy mowing,

-reenie

Memorial Day Weekend... Let the painting begin

So, I stumbled on this cool product and it got me thinking about Home Improvement chores. Sure, Memorial Day Weekend is about barbecues and seeing friends, but it's also that time when we get stuff done around the house. This Paint 'N Pour lid by Homax looks like a great way to make painting chores just a little easier. I don't know about you, but I hate dealing with paint can lids, and always fear I'm not getting them back on correctly (and worry that my paint will dry up in the process).

If you are planning on painting this weekend. Make sure you have all you need on hand. There's nothing more frustrating than having to run out for supplies mid-project.

I found a good list at doityourself.com if you're painting:

-screwdrivers (for removing hardware)

-sandpaper

-patching compound

-putty knife/scraper

-painting or masking tape

-drop cloths (we use old shower curtains)

-caulk

-paint tray/brushes/rollers

-mixing bucket

-clean rags

-wall cleaner and sponge/sponge mop

On your mark, get set, PAINT!

Happy Memorial Day weekend! Be sure to make some time for friends and family!

-reenie

Is your car ready for Summer vacation?

I just had my car in the shop. A kind stranger noticed my headlight was out and got my attention in the parking lot. I'm not sure how long it had been out or how long it would have stayed out without someone mentioning to me. I haven't been driving after dark very much - so it may have taken a long time. In any case, my quick trip to get the bulb replaced reminded me that summer vacation driving is ahead and it's time to check out a few things.

I found a great article at Road & Travel Magazine.

Keep these tips in mind:

If you stick to the vehicle maintenance schedule -- that's your first step in avoiding vacation road trip mishaps.

Try to get your car checked out at least one week before a planned driving vacation -- to allow time for any issues.

Have your mechanic:

Check all fluid levels.

Check tire pressure and treads. Don't forget the spare tire. (Make sure you have everything you need to change a tire in your car before you hit the road for vacation.)

Check the brakes.

Check all belts and hoses.

Make sure all lights are in working order.

Replace the windshield wipers if the blades are old.

Check that the AC is working properly.


Things for you to keep in mind:

Pack an emergency kit (blankets, water, extra fluids, small tools, flares, first aid kit, etc).

Pack your car lightly if possible. Extra weight and extra heat are not a great combination for the engine.

Remember your pets -- never leave them unattended in a parked car during the summer. Not even for a short time. The interior temperature shoots up way too high and the heat can be deadly for your furry friend.

Memorial Day weekend is upon us -- the unofficial start of summer. Get your car ready now for a summer of smooth sailing, er, I mean driving.

-reenie

Unique Wedding Gifts

Wedding season is upon us. I love seeing some of the newer ideas for gift giving. It was a whole different (teeny bit boring) routine when my friends were getting married. It's way more fun now.

As couples wait to tie the knot it seems they are more situated in life. Some own homes together or are merging their homes, and just don't need the kitchen and household stuff their parents needed.

Gift registries are great things, but I also like these more creative ideas:

-Outdoor furniture and accessories... think about comfortable lounge chairs or a chiminea; or a garden center gift certificate for new perennial plants and trees.

-If two homes are merging... think about offering to pay for an interior designer or professional organizer. It may make the merging process run a bit more smoothly.

-For the couples who already have the stuff they need... how about a monthly bouquet of fresh flowers program.

-One website I saw mentioned that a fine wine is the choice of "older couples." Somehow I think younger couples would enjoy, too.

-Again, for couples who have the "usual" stuff.... how about new sports equipment like snow skis or water skis.

-One source suggested helping out with the honeymoon costs or even offering up the first married night in a luxury hotel (this is a plan-ahead gift).

-I read about some financial institutions setting up financial registries where family and friends can contribute to specific financial goals; like a first house, honeymoon trip or vacation retreat.

-And, finally, some couples are suggesting guests donate to favorite charities in lieu of a gift.

I love all of these ideas. I do. I do!

-reenie

Nutty Fudge Day

Did you know today, May 12, was National Nutty Fudge Day? I didn't either until I stumbled upon it in Bon Apetit's daily food calendar. So, here's my theory -- if you don't make fudge, today is a day to buy yourself a little treat. Plain and simple. All is good in the world when there's chocolate.

And if not a little treat for you -- how about for a special Mom? (So she knows Mother's Day is not just a once-a-year kind of thing.) You know, sometimes the small unexpected treats are the best kind.

-reenie

Gembows

Normally I do not send my readers away to other websites.  I like keeping them to myself (selfish, I know), but I stumbled upon a sweet site today - and I feel the need to share.  Mother's Day is Sunday -- maybe seeing these two girls working their hearts out kicked my motherly instinct up a notch.  Gabby and Emma have created a website where they are selling duct tape bows. 

Their net proceeds are going to the We Can Solve the Climate Crisis Campaign because the girls are concerned about the environment and want to take action. Personal action.  The bows are adorable, and I applaud these enterprising young ladies for being so proactive.  Check them out.  I think there is a bow or ten in my future.  And what better way to add a fun touch to that gift you've picked up for Mom ? (OK -- so it won't get to you in time for Sunday, but you can let Mom know it's en route.  She'll be impressed.  I'm sure of it.)

To all the Moms and the ladies who are Moms without the actual title (like my Aunt Betsey) -- HAVE A GREAT MOTHER'S DAY!

-reenie

Shopping made easy

I was flipping through a 2008 holiday gift guide the other day -- yes, I keep them for that long. I stumbled onto this item and was amazed. Talk about getting you organized. The SmartShopper allows you to type in or record the grocery items you need (depends on which model you buy). In any case, keep this baby in your kitchen and anyone in the family can add items to the list. When you're ready to run your errands, check the list, make any edits and press print (did I mention it also lets you add errand stops like the post office and bank?). The SmartShopper organizes the list by category so you're not left wandering in the grocery store aisles. Saves time, and I imagine saves you money as you navigate quickly through the store. You're not as inclined to pick up stray items because you know which aisles you need to travel. I'm liking this one. Grocery shopping is always a challenge for me. This little gadget might just make it more fun.

-reenie

May Day and Mother's Day

Flowers. Flowers. Flowers.

Need I say more?
Today is May Day, and there is no better reason to surprise someone with a special basket of blooms. The ritual is to leave them on your neighbor's step or hanging on their door knob, ring the bell, and run like crazy. May Day is a big deal for me. It was celebrated at my school every year. Our May Day Festival included games, food, and, of course, dancing. Every elementary grade did a dance, but the 6th graders did the traditional Maypole dance. It was the final dance, and it was something you looked forward to as you as you graduated to each higher grade. It was quite the ritual, and one I remember very fondly.

AND... as long as we're talking flowers. Plan now for Mother's Day; a short nine days away!

A quick tidbit about Mother's Day for your next Trivial Pursuit game: it was first celebrated in 1908 and Congress made it an official day in 1914.

Consider me a person waiting for a basket of flowers on my doorstep,

-reenie

May deals!

May is just three days away. Time to check on ways to save money during one of my favorite months. Can you guess who has a May birthday?

According to bankrate and frugal living, two of my go-to sites on deals, there are some fun savings to look forward to in May.

Look for:

-pre-season deals on bathing suits and sandals

-major appliances (over Memorial Day weekend - to get you into the store instead of at your neighbor's bbq)

-barbecue and picnic foods, along with the paper/plastic supplies typically used at barbecues and picnics

-summery handbags and totes

-cookware

-vacuums -- really?? But who am I to question?

Bring on the May flowers! I love this time of year.

-reenie

Victory Gardens

By now you've heard that there's a vegetable garden at the White House... reminiscent of the garden planted by Eleanor Roosevelt (and in the reading I've done -- that was the last time 1600 Pennsylvania Avenue had a vegetable garden). In any case... it has me thinking. Yes, I admit to having a black thumb, but I think this year I'm going to at least try herbs. The other day I made a recipe that called for fresh herbs, and I nearly fell over when I saw the price at the grocery store. Seemed so high for something I probably would not use all of before the leaves turned brown. This White House garden is inspiring me.

Sooo.... I'm going to start with herbs this year -- just a few. I'm planning a nursery run in the next two weeks -- to pick out some colorful flowers for my outdoor planters. I'll be picking up some herb seedlings while I'm at it. A little money out, a lot of money saved. In my mind, money saved for little splurges like letting someone else cook...

-reenie

Looking good on Earth Day 2009

Earth Day is tomorrow -- Wednesday, April 22. What are you you doing to look good?

Here are some ideas to consider...

When you shop - bring your own bag. I've been reading story after story about great reusable bags available for purchase at almost every store imaginable. Bring them to the grocery store, the mall and to the farmer's market. Plus, plenty of causes use bag sales as fundraisers. This is one bandwagon worth jumping on!

Are you recycling yet? I am very fortunate in that my community offers curbside pick-up. I can't imagine how much more I'd be sending to the landfill if this were not an option. Even if your community does not have a curbside program -- consider committing to your own program. Many communities allow you to drop off recyclables in one container -- also called single-stream recycling. Basically, it means an end to the once time-consuming chore of sorting paper from plastic and metal.

As you unclutter your home -- when you purchase new energy efficient electronics are you making sure you recycle your old electronics? Really not a good idea to just trash them -- many contain lead or other hazardous compounds. Please recycle properly.

Are you letting the light shine brightly in your home? Make it a CFL bulb and save tons more energy over the lifetime of the bulb. Just be sure you dispose of these babies properly. They do contain microscopic amounts of mercury -- but mercury is mercury -- no matter the amount.

These are just a few ideas. Be sure to check out Earth Day celebrations in your hometown and learn about even more ways to keep our Earth looking good.

-reenie

More Spring Fashion Trends

I subscribe to a newsletter on style and fashion. Yes, my daughter would find that very hard to believe. In any case, today's edition had a link to Spring/Summer jewelry trends. Apparently "statement" jewelry is the thing (and is most likely going to be the thing for Fall/Winter as well). Look for geometric shapes, exotic pieces, and anything with rich colors, prominent stones or colorful gems.

Even more interesting about this trend... was the idea that matching these larger-than-life pieces with bold and colorful clothing is the way to go. Last season it was about having the jewelry be big and bold and the star of the outfit. This year -- it's about being as interesting as possible. The term "clashing colors" was even used (that might not be something I can do, but I can follow the trend in other ways).

The fun part about this trend... the pieces shown in the article were designer-made, but looked like less expensive pieces I've seen in the stores. So - you can go expensive or you can have fun with the trend and not pay as much. Better yet, look to local jewelry craftsmen for their take on this fun look.

-reenie