A Penny Saved is a Penny Earned

A Penny Saved is a Penny Earned -
Benjamin Franklin

Friday, December 2, 2016

Handmade Christmas Ornaments

These Christmas ornaments are easy to make








Cut two circles approx. 6" in diameter (use a plate to draw the circle)

Face right side together and sew around edge leaving a gap

Turn right side out and sew around the circumference closing the gap

Fold in half and sew two edges together

Fold other two edges and sew 

Flatten and fold material over each corner. Add a button or embellishment
 in the middle and a piece of ribbon to hang the ornament.






Thursday, December 1, 2016

Discounted Gift Cards

Gift Card Granny - Buy & Sell Discount Gift Cards

Check out some of the sites for discounted gift cards. If you find an item you want to purchase, buy a discounted gift card for the store and for added savings wait for the item to go on sale.

Gift Card Granny
Card Pool

Please let me know if you've used and can recommend other sites

Wednesday, November 30, 2016

Energy to Produce Products

Body wash vs. Bar Soap 
Being frugal is not only about cost, but also being more responsible to the environment. One thing I haven't considered until now is the amount of energy used to produce products. I recently read an article that states it takes five times more energy to produce body wash and a staggering 20 times more energy to produce the packaging than bar soap. From a frugal standpoint, we use seven times more of liquid soap when washing hands than bar soap. Bar soap might be a good choice for Christmas gifts this year.

Tuesday, November 29, 2016

Do Space Heaters Save Money?

Space heaters have become popular for those trying to cut back on costs, but if you have both gas and electricity in your home, it may not be a savings.

Take time to work out what each costs per hour. (You will need your gas and electricity bills)

According to my electric bill the cost per kWh (kilowatt hour) is .05801 plus .03691 for delivery charges
The space heater uses 4,700 BTUs which calculates at 1,377 per kWh using the calculator on Rapid Tables

Natural Gas shows .58634 per CCF (hundred cubic feet) on my bill (this includes a Rider charge). To calculate the BTUs (British Thermal Units) used by your furnace take a look at your manual or look online for approximate BTUs for your type of furnace.

To calculate gas consumption and cost, review The Garden Web instructions

My calculations show that for me, using a space heater is half the cost of turning on the furnace, but by plugging in two or more it would actually cost the same or more than using the gas furnace.







Sunday, November 27, 2016

Food Safety

When the holidays arrive, it's difficult to keep track of food expiration dates. Rather than relying on the date on the package, make a note of when you open something. Sometimes it may last years unopened, but only a few days/weeks/months once it is unsealed. For instance, if it's a jar of mayonnaise, write the date on the lid. For details on when food is safe to eat, go to www.foodsafety.com