A Penny Saved is a Penny Earned

A Penny Saved is a Penny Earned -
Benjamin Franklin

Wednesday, May 16, 2018

Body Wash Gel


I have accumulated quite a few bars of soap, but still prefer body gel which is considerably more expensive.

I found some suggestions online to make body wash from soap bars.

To speed up the process I grated the soap, melted it in parts of 1 cup soap to 2 cups water, melted it in the microwave at 30 second intervals, then let cool. If it is thicker than a gel-like substance, add more water, let cool again. When you have the desired consistency, transfer to a pump bottle.

Note: It may not have as much lather as the gel bath wash you buy depending on the soap you use. Also, be careful of mixing different fragrances, if you have a bar with fragrance, use it on it's own instead of mixing with others.

The video below recommends two bars of soap to six cups of water.






Wednesday, May 9, 2018

Rat Killer Without Using Poison

I hate to kill things but I also dislike having mice and rats in my garage or shed. They are very destructive. I've found several tips on You Tube and other places online for killing rodents without using poison.

Using items that you may already have around the house I've found these work.

Recipe 1:
1 teaspoon flour
1 teaspoon sugar
I teaspoon baking soda

Recipe 2:
1 teaspoon flour or cornmeal
1 teaspoon sugar
1 teaspoon plaster of Paris (you can purchase at most craft stores or Walmart)

Note: They also like bird seed so sprinkle some on top. One recommendation for recipe 2 is to add water and make into dough balls. Another recommendation is to not put any poison/bait on anything metal or that moves. Put it on a hard surface.




Wednesday, May 2, 2018

Garbage Disposal Cleaner

You probably know that grinding lemons is a good way to clean your garbage disposal. But add vinegar and it cleans even more effectively. Ice is reported to sharpen the blades so use all three.

Put lemons in an ice cube container (you can get these at the dollar store), add vinegar and freeze. Once frozen, put in a zip lock bag and keep in the freezer. Make sure you mark it clearly so that someone doesn't use it in a drink!

When I buy lemons, I slice them and put them in the fridge to add to tea or water. The ends I put in the ice cube tray so there's no waste.

Wednesday, April 25, 2018

Medical Bills

Medical InsuranceEven minor medical problems can generate a slew of medical bills. Unfortunately, here in the U.S., you pay separately for doctor visits, specialists, procedures, x-rays, lab work. A high percentage of these are usually incorrect.

Every medical visit last year produced an incorrect bill for me!




  • Make sure you keep records of any visits or procedures. 
  • Always ask for a receipt. 
  • Ask for an itemized bill if one isn't sent to you. 
  • Check with your insurance company to make sure it is correct.
  • If you're paying in cash, ask if there is a discount for cash payments.
  • If your company has a health care advocate, contact them if it's a free service
  • Beware of medical credit cards (sometimes they charge high interest rates, especially if not paid within the required period.)
  • Check to see if there is a charity medical care foundation in your area available if you don't have insurance and a low income.
  • Make sure your doctor is within your insurance network (I have found that on occasion the insurance company shows the doctor as out-of-network on the bill when he is actually listed as in-network. If this happens, call and get it corrected)
Note: I budget for medical expenses (along with maintenance and repair) and put a monthly amount in a savings account. It doesn't have to be much but will help with unforeseen expenses and co-pays. If you don't use it all, carry it forward to the following year.

Friday, April 13, 2018

Cozy Mystery - A Graceful Death - 99c for Kindle

A Graceful Death is currently 99c for Kindle.  It's the first book in the Lowenna series.


Giovanna Matthews has an acceptable life in London with her own flat, a good job, and recent engagement to the son of a Scottish landowner.  But not long after her engagement to Alan, news of Aunt Grace’s death hits Giovanna like a red double decker bus.  Ignoring Alan’s pleas to stay, she bundles her dog and suitcase into a rusty Volkswagen and drives to Aunt Grace’s cottage on the Cornish coast where Giovanna had spent childhood summers with her cousin.  Putting her aunt’s affairs in order is further complicated when Giovanna discovers the local constabulary has its own view on Aunt Grace’s demise - A view that Giovanna vows to challenge.  Unless she can discover how her aunt died and find her missing cousin quickly, she stands to lose both her inheritance and Alan.   

Like the old harbor wall, Giovanna’s feet sink into the sand and it becomes more difficult to leave a village where she is accepted as part of their “family.”  There’s Mrs. Penrose with her flyaway gray hair and floral wardrobe; The sensible Mrs. Trewellyn who owns the grocery store; Holly, a long time friend and confidant; and Miss Brea who learned to drive in her retirement years.  Self-centered, Alan threatens to break off their engagement if Giovanna doesn’t return to London.  Should she stay and solve the mystery surrounding her aunt’s death or return to London and her fiancĂ©?

Hop on over to my Amazon author page for cozy mystery and children's books.