Saving Money on Entertainment

Frugal Friday

In these leaner times, we still want to have fun. We may not be able to afford the exotic vacations or the extreme sports in which we once indulged. But we still want to escape from the daily drudge of working and have a little fun. Here are some ways to save on entertainment.

• Ticket prices are lower in college communities or the suburbs rather than the big city.
• Do not purchase season tickets or passes unless you are absolutely sure you will get your money's worth back in attendance.
• Find out if any area museums or attractions have days when they offer free or discounted admission.
• Join clubs with free membership. They often have programs and activities.
• Make use of discounts you already have through AAA or other memberships.
• Scale back on your cable package. Keep track of all the channels you watch over the course of a week, and see if less expensive packages include those channels.
• Bundle your entertainment (cable, internet) with the same company for lower fees.
• Volunteer at a local theater or performing arts venue whose programs you enjoy. You'll be able to see the programs for free.
• Read the newspaper and magazines online.

Seniors and Driving

Senior Thursday

It is a proven fact that driving skills deteriorate with age. In a 1997 NHTSA study, older people made up 9 percent of the population but accounted for 14 percent of all traffic fatalities and 17 percent of all pedestrian fatalities.

There are many reasons for this deterioration. Older people are less able to filter noise and distractions. So if there are conversations going on around them in the car, they can't concentrate. They find it more difficult to switch attention quickly to new situations. Their reasoning and decision-making are also affected. They are less able to identify rules and make inferences, or choose rapidly and correctly in response to an unexpected event.

Some outside factors are side effects of medications, or alcohol and illegal drugs. Any of these can affect a person's reaction time behind the wheel, or cause a stroke, fainting spell or fatigue. Medical conditions are also a risk factor. Diabetics can have low blood sugar, causing black-outs. High blood pressure can cause dizziness.

They are less likely to sustain attention, and may have memory loss. Either of these can cause a variety of mistakes, from taking a wrong turn to locking their keys in the car.

If your parents or someone in your family is driving with any of these conditions, the best thing you can do for them is to take away the car keys. They will probably fight you on this, wanting to maintain their independence. It will also be an inconvenience on you, as you will probably be driving them around now. But it is in everyone's best interest. You may be saving someone's life.

Handling Interruptions While Writing

Writer Wednesday

In an ideal world, once a writer begins a project, the outside would go away, and he or she would be left with just a computer and their imagination. Life doesn't work that way. There are possibly a spouse and kids around. And even if there aren't any other people in the house, there is always the dreaded telephone and the continuous email alerts that pop up on your screen while writing.

So what's a writer to do? Ignore it all! If the phone rings, don't answer it. If you have children in school, you may want to monitor the calls. That's what caller ID is for. Only take calls from your children or their school. The same goes for the spouse. Let him/her know that while you are writing, you will only answer if it is an emergency. In other words, don't call unless it involves blood.

Let friends and family know your routine. If you write in the mornings/afternoons/evenings, ask them not to call you then. Or tell them to leave a message because you probably won't pick up. You are WORKING! You would never think to call a friend at work and start chatting about the upcoming bake sale. So ask them to respect your work ethic.

If all else fails, unplug the phone or turn off your cell phone. While this is not recommended when you have children, or for long stretches of time, it can give you an hour of two of peace. This includes turning off the email alerts also. Even if you don't intend to answer them, just having them pop up at the bottom of your screen, daring you to read it, is a distraction.

Last-Minute Tips for the Holidays

Tips for Tuesday

We're in the final days of preparation for the holidays. Are you ready for the parties, travel or out-of-town guests? Here are some reminders for the coming days:

• Pick up some generic gifts, such as gift cards or baskets for those last-minute names on your list.
• Have empty tins on hand to pack up homemade cookies as hostess gifts.
• Don't forget to send a little something to the service people in your life--hair dresser, trash collector, mailman, maid, etc.
• Have toiletries and linens on hand in your guest bath for visitors.
• Keep a list of those who send you Christmas cards so you can return the favor next year.
• Check your pantry/refrigerator for all the ingredients you will need for cooking Christmas dinner.
• Confirm any reservations you've made--restaurant, travel, etc.
• If you are attending parties, check with the hostess ahead of time so you have gifts for everyone who will be there.
• If you are hosting a party, check with guests for any special dietary needs.
• Check the batteries in your cameras. Charge if necessary, or buy extras.

Will Your Home Pass Inspection? Part Nine

Moving on Mondays

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. These last weeks, we looked at storage areas, living areas, bedrooms and bathrooms. In our final installment, we're looking at your utilities.

• Is the furnace in good condition?
• Has the furnace been cleaned recently?
• Have the air ducts been cleaned recently?
• Do underground fuel tanks need attention?
• Is the septic system working properly?
• Has the septic system been inspected recently?
• Does the plumbing drain properly?
• Is the water heater in good condition?
• Has the water heater been drained recently?
• Is there adequate water pressure on all levels?
• Do exterior faucets work properly?
• Is electricity up to code?
• Are wires covered?
• Are outlets in good condition? Not overloaded?
• Do carbon monoxide/smoke detectors work?
• Are there signs of mold?

Saving on Car Maintenance

Frugal Friday

Your next largest investment after your home is usually your car. Therefore, you should take good care of it to make it run at its best, and so it lasts as long as it can. Cars are built to last well over 100,000 miles these days, but unless you perform maintenance on it, it may break down. And since maintenance can be expensive, here are more tips for saving money.

• Park in the shade in the summer so gas doesn't evaporate in the heat.
• Tread easy on the gas and brake pedals. This will improve your mileage.
• Turn your engine off when parked or waiting for freight trains to go by. Idling uses gas.
• Hold a lighted match near frozen locks to thaw them.
• Search the web site for the cheapest gas in your area.
• Buy gas after the sun goes down. Gas molecules evaporate less when the sun isn't shining.
• Use cruise control on the highway to save on gas.
• Avoid driving during rush hour whenever possible to avoid back-ups.
• Check and replace air filters on a regular basis.
• Opt for a barely used car over a new one, since new cars lose half their value the moment you drive them off the lot.
• Rental agencies sometimes offer their cars at good prices when they are replacing their fleet.
• Check prices for cars online for the best deals.

Using Technology to Keep Seniors Safe

Senior Thursday

With the aging population rapidly increasing, there is also a large number of them staying in their homes. Sometimes they have a spouse or relative living with them. Sometimes they do not. And when they don't, there are risks to living alone. One of these is health issues. When seniors live alone, there is no one to monitor their medication, diets or health.

Today's technology can help. With monitoring services, family members and health care personnel have the ability to watch their parents or loved ones from remote locations.

There are systems that can remind seniors to take their medication. Considering 30 percent of hospitalizations for seniors are a result of incorrect dosing or missed doses, this is a very valuable service.

Another service available is video monitoring. This is especially important for Alzheimer's patients who might wander off and get lost. This would also be valuable for watching them when they cook, or if they fall.

Emergency buttons for alerting authorities (i.e. Life Alert) is a unit a senior can wear around the house. If they fall and injure themselves, and can't get to a phone, a push of the button will connect them to their local emergency services. Some adult communities also offer this sort of service.

So if you can't be near your loved ones, consider signing them up for one of these services--for your peace of mind as well as theirs.

Writing in Silence

Writer Wednesday

When I was growing up, there were eight of us in a three-bedroom house. There was no such thing as privacy, unless you hid in the bathroom. And even then, one bathroom for eight people meant there was usually someone knocking on the door soon after you went in to hide (or sit over the heating vent because it was the only warm place in the house.)

I was accustomed to doing my homework surrounded by noise, whether it was other people or the television. It stayed that way through college. I needed the radio or some noise to study. My ex needed complete silence. I found it very difficult to concentrate in complete silence. My mind wandered more. Yet, when I do have the radio on, I never really 'listen' to it. I couldn't tell you even half of what was said or what songs were played. I just liked the noise.

I can write with noise. The TV is on as I write this. It's usually my playlist on my laptop. But some writers like the silence. Complete silence.

Most are somewhere in between. For example, I can't write with interruptions from family members (another sort of noise.) I like music, but please don't interrupt me. And there are only a handful who need complete silence. Instead, there is usually soft music or nature sounds playing in the background. And very few of us live where our street or building offer complete silence. Neighbors and life are part of the package.

The important thing is to find YOUR happy medium. If you don't want interruptions, close the door and don't answer the phone or open your email account. If you want background noise, choose a level and media that's good for you, whether it's the television, the radio, or your iTunes. This will help you keep on task and concentrate.

Using Nature to Decorate for the Holidays

Tips for Tuesday

Sure, the tinsel, glass ornaments and lights are part of the holiday tradition. They are what make the tree pretty, or the tables shine. But have you thought about going back to nature with your decorating? Why not use real branches and evergreens to decorate your home? Or berries and popcorn?

Then, when the holidays are over, you can compost your decorations, rather than storing them in plastic tubs or tossing them in the landfill.

Here are some natural decorating ideas:

• Cut birch or other logs into various lengths, then drill holes large enough for a tea light candle. Cut a long length and drill with several holes and place it on your dining room table or in the fireplace.
• Pine cones and evergreen boughs make a great potpourri.
• Insert cloves into an orange, let the orange dry out, and you'll have a wonderfully smelling ornament or decoration.
• String popcorn and raw cranberries on thread and use as garland. Stale popcorn works better than fresh (and you won't be as tempted to eat it!)
• Cut lengths of evergreen branches from a variety of evergreens and place in a vase as you would a floral arrangement.
• Make your own evergreen garland by tying branches together. Or use a circular form and interweave the boughs to make a wreath. Decorate with berries and dried flowers or fruits.
• Citrus and pomegranates in a bowl make colorful centerpieces.

Showing Your Home During the Holidays

Moving on Mondays

It is important to keep your house looking its best while it is on the market. This can be challenging if you have children, pets, or work full time. It can also be challenging during the holidays. Besides being busy with preparations, you have all that extra…clutter…around the house.

There's gifts, wrapping paper, decorations, cookies, and cards. You have packages to wrap and ship, recipes to find and bake, and cards to write, address and stamp. While projects in process can usually be left out, it's not a good idea when your house is on the market. You don't want the home to look too cluttered.

Here are some tips for keeping your home neat while it's on the market during the holidays:

• Keep decorations to a minimum. Don't overdo it by covering every inch of space with garland, trees or knick-knacks. Select a few key areas to decorate. Respect the fact that others may not share your traditions. Some potential buyers may be turned off by a home that is screaming "Christmas."
• Don't overcrowd rooms. Decorations can take up valuable floor space. Placing your tree in the corner means the chair has to come out into the middle of the room. Keep pathways clear, and store extra furniture off site if possible.
• Don't have packages (wrapped or unwrapped) piled under the tree. This is a prime time for thefts. Potential buyers may be thieves casing your house.
• Baking cookies can fill your home with wonderful aromas. Just make sure to put away all the ingredients and bake ware when you are done.
• If you are traveling during the holidays, let your real estate agent know you will be out of town. Put your lights on timers so the home is never dark during the hours it might be shown.

Saving on Car Maintenance

Frugal Friday

Your next largest investment after your home is usually your car. Therefore, you should take good care of it to make it run at its best, and so it lasts as long as it can. Cars are built to last well over 100,000 miles these days, but unless you perform maintenance on it, it may break down. And since maintenance can be expensive, here are some tips for saving money.

• Clean out your trunk. The heavier the load, the more gas you'll use.
• Before replacing an air filter, check with your mechanic to see if the old one is washable.
• Check your tire pressure on a regular basis (especially when seasons change.) Properly filled tires will give you better gas mileage.
• A bathroom plunger and touch-up paint can fix the little dents.
• Rotate your tires every 5000 to 10,000 miles to maximize their life.
• Driving your car over a sprinkler on high pressure will clean the under carriage just as well as the costly car wash (and won't knock anything loose.)
• Open your windows instead of using the A/C when in stop and go traffic. Use the A/C while on the highway, as the wind can provide resistance.

Helping the Elderly Handle Dangerous Situations

Senior Thursday

The world can be a dangerous place. There is crime aplenty, whether it's grabbing someone's purse at the market, or grabbing someone's identity off the internet. Seniors are an especially vulnerable group, perhaps because they are so trusting.

We can't be there to protect them every hour of every day. But there are some precautions you can teach them so they don't become another statistic.

• Scams can be in the form of mail, email, phone calls or visits to the house. Beware of anyone asking for money, even if they do look 'official.' Never give personal information over the phone. Never click on links in emails asking for account information. Never send money to anyone without checking their validity. Never walk out of your front door with a contractor that shows up unannounced. His cohorts will be going inside while you are around the corner looking at your roof or whatever.
• While outside shopping or on the street, never have your purse or wallet visible. Hold your purse close, but if someone grabs it, let it go without a struggle. Try to remember as many details about the assailant as possible. Never carry large amounts of money while outside alone.
• While inside, the home should be free of obstacles that may cause a fall. This includes high thresholds and area rugs. Be careful while cooking--never wear loose clothing near the stove. And remember to turn off any appliances. Also, install safety features such as grab bars, in the bathrooms. See our blog entry from August 8, 2011 for more safety tips. Or contact Prima By Design for an in-home safety assessment.

A Room with a View

Writer Wednesday

Writers are always looking for inspiration. This may be while writing a scene in a current novel, or trying to come up with a new idea for a book. The real world is full of inspiration. So it's no surprise that having a view to the outside can be inspiring.

If you are lucky, you have the ocean or mountains for a view. But these people are in the minority. Most writers have another house or building out their window. Perhaps even a parking lot.

If your view isn't that great, dress up your window, or the space just outside your window, with pretty draperies, colorful flowers, or crystals to reflect the light.

If you don't have windows and can't have a view, then create one in your imagination. That may be the beach, the middle of an English garden, or a waterfall in the Rockies. Whatever your ideal view is, think of it when you stare out your window (or at the wall) for inspiration.

Of course, having a window isn't always a good thing. It can also be a distraction. After all, you're not writing when you are looking out the window. You may start daydreaming or thinking about what needs to be done around the house. So make sure you bring yourself back to task when you're done looking at the view.

Safety During the Holidays--Travel

Tips for Tuesday

The holidays are fast approaching. Along with them are the stresses for preparations. Part of the holiday tradition is traveling to see family and friends, whether it's a across the street, or across the country.

While these are fun times, there are some hazards associated with traveling. Take cautions so you aren't a victim.

• Never discuss your plans with strangers, or with friends and family in front of strangers. This includes posting on social media sites such as Facebook. You are merely announcing that your home will be empty for an extended period of time.
• Ask a friend or family member to check on your home while you are gone. Also notify your local police department so they know the house will (or should be) vacant for a while.
• Cancel newspaper and mail delivery so the papers don't pile up on the porch or driveway--a sure sign you are away.
• Don't leave wrapped packages in plain sight of the windows.
• Don't leave empty boxes and garbage out for days if you won't be home for the regular pick-up. Ask a neighbor to take out the trash for you.
• Be sure the doors and windows are locked when you l;eave your home, even if it's only for a few minutes.
• Set lights on automatic timers (inside and outside) so you never leave your home in the dark. This is important now that the days are shorter.
• If you are traveling for a number of days, put a radio or television on a timer so it looks like someone is home.

Will Your Home Pass Inspection? Part Seven

Moving on Mondays

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. These last weeks, we looked at bathrooms and kitchens for potential water disaster areas. This week, we're looking at bedrooms and living spaces.

• Are walls cracked or peeling/ have holes?
• Are carpets stained/ripped/worn?
• Are floors worn/cracked/stained?
• Do the windows operate properly?
• Do the window treatments work properly?
• Are any windows cracked?
• Does the woodwork need repair or staining?
• Do doors open/close properly?
• Are doors uneven?
• Do all locks work properly?
• Are there security locks/bolts on exterior doors?
• Are stairs in need of repair?
• Do stairways have railings?
• Are stair treads even?
• Is room wiring exposed?
• Is the room wired properly?

Saving Money on Sports & Fitness

Frugal Friday

Not everyone can afford a membership to a gym, or expensive equipment in their home. Yet, it is important to exercise and maintain your health. Here are some ways to save on sports and fitness.

• Place tennis balls in the microwave for 30 second to restore their bounciness.
• Store your baseball glove with a ball in its palm so it retains its shape.
• Talk to a pro or consult online forums before investing in sports equipment. Many times, the lower priced items are just as good quality as top of the line items.
• Stock up on your favorite shoes when they go on sale.
• Check bulletin boards and web sites for free running groups and yoga classes, often sponsored by local stores or gyms.
• Your local YMCA usually offers the same classes as a pricey health club, at half the cost.
• Purchase health club memberships at the end of the month or year when employees are trying to meet their quota and will give you better deals.
• Don't sign a contract with a health club that you can't cancel at any time.
• Cancel any memberships to facilities if you haven't attended them in two months.
• Borrow exercise DVDs from the library rather than purchasing them.
• Play golf during the week when fees are lower.

Safety During the Winter

Senior Thursday

Safety is always a concern for the senior population. But winter presents unique challenges. There are storms, cold weather, and travel during the holidays. It is difficult enough to get out of the house for many, especially those that are disabled. Trying to get around in the snow and ice is worse. Here are some cautions you can take for a safe winter.

• Don't drive during a snow storm. Stay home if you know one is approaching. Nothing is worth having an accident and possibly losing your life.
• Don't go outside if the walks are icy or snowy. This also includes that 50-ft walk to the mailbox. If the driveway or walkway looks wet, it may be icy underfoot.
• Have someone else run errands for you if you can't get out.
• Keep extra hat, mittens, scarf in your car just in case your car breaks down in the cold. Never go looking for help. Stay in your car. It is more visible than you are in a storm.
• Have a plan in place in case your power goes out. Keep a cell phone charged, and flashlights handy.
• Don't shovel heavy snow. Have a neighbor or family member shovel for you. Even sweeping the steps can be dangerous.
• Keep salt on hand for your steps and walkway.
• Keep extra groceries on hand during the winter months in case you can't get out.

Listening to Your Muse

Writer Wednesday

One of the challenges of writing is finding the time to write when the muse strikes. Sitting down at a computer doesn't guarantee inspiration any more than NOT sitting down will stifle it. Inspiration can strike while at work, in line at the grocery store, or sitting at a red light. None of these environments is conducive to writing. However, there are some steps you can take to use these inspirational moments and then work them into your writing later.

• Always carry a pen and paper with you. This can be a small notebook, a few index cards in your wallet, or a folded piece of scrap paper you saved from the recycle bin.
• When you envision a scene or have an idea, write that idea on your piece of paper. You may not always have time to write the entire scene. So at least write one word down that is the main them of your scene, such as "apple" or "guilt."
• In this day of technology, a phone or tablet will work as well. Send yourself a text with a key word or two, or write yourself a reminder in your electronic calendar.
• Your inspiration comes from people you meet. Therefore, take note of little idiosyncrasies or habits of people that you can weave into your story and make your characters memorable.
• Keep a journal. Set aside five minutes a day to write freely. Use the time for gratitude or description or even your task list for the day. You never know when inspiration will strike from words that come from your pen.

Safety During the Holidays--Children & Pets

Tips for Tuesday

The holidays are fast approaching. Along with them, are the stresses for preparations. Part of the holiday tradition is entertaining family and friends, whether it's a cozy cookie exchange with the ladies or a formal dinner with the boss.

While these are fun times, there are some hazards associated with entertaining. Take cautions so you aren't a victim.

• Keep decorations at least six inches above a child or pet's reach. They may cause a hazard if broken or be poisonous if ingested.
• Avoid using tinsel. Loose pieces that fall on the floor are tempting choking hazards.
• Ribbons on gifts should be no longer than 7 inches so a child doesn't wrap it around his neck and pets don't get tangled up in it.
• Avoid using small package decorations or ornaments on young children's packages, as they may present a choking hazard. Also check gifts from others for small pieces and other age-appropriate items.
• Store scissors from wrapping away from little hands.
• Watch children and pets around fireplaces or stoves.
• Some holiday plants are poisonous to pets. Check the ASPCA web site (http://www.aspca.org) for a list of plants and foods harmful to pets.

Will Your Home Pass Inspection? Part Seven

Moving on Mondays

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. Last week, we looked at bathrooms for potential water disaster areas. This week, we're looking at kitchens.

Kitchens
• Are the countertops in good condition?
• Are the countertops affixed properly?
• Does the plumbing show signs of leaking?
• Does the water line to the refrigerator work/leak?
• Does the garbage disposal work properly?
• Does the dishwasher work properly? Leak?
• Are all the appliances in good working condition?
• Is the floor in need of repair?

Using Home Remedies to Save Money

Frugal Friday

Medications, whether over the counter or prescription, can be expensive. Yet there are many ways to make your own cures/remedies that will be natural and save you money at the drug store.

• Tape a banana peel over a planter's wart before bedtime. The poultice will start working in a few days.
• Make your own cold pack by putting 3 parts water to 1 part rubbing alcohol in a zippered bag and freezing it.
• A spoonful of honey works just as well for a sore throat as a lozenge.
• Soothe sunburns with a cloth soaked in apple cider vinegar or witch hazel.
• Soak feet in white vinegar to keep athlete's foot at bay.
• Dissolve 2 teaspoons cinnamon in a cup of warm water to soothe a stomachache.
• If you have to take a prescription medication, ask for samples from your doctor.

General Organizing Tips--Part Three

Writer Wednesday

So far, we've been talking about organizing tips specific to aspects of writing, from tracking submissions to networking. But writers are people too. They have the same challenges in their day-to-day lives as we all do. So here are some general organizing tips for writers.

• Keep a supply of note cards and stamps on hand for writing thank-you notes.
• Pre-print or order return-address labels to save time, and ensure accuracy.
• Break larger tasks into smaller, more manageable units.
• Not every storage or filing system works for everyone. Choose one that suits your needs.
• You don't need perfection when organizing. Just make sure everything has a home, where you can find it when you need it.

Safety During the Holidays--Fireplaces and Wood Stoves

Tips for Tuesday

The holidays are fast approaching. Along with them, are the stresses for preparations. Part of the holiday tradition is entertaining family and friends, whether it's a cozy cookie exchange with the ladies or a formal dinner with the boss.

While these are fun times, there are some hazards associated with entertaining. Take cautions so you aren't a victim.

Fireplaces and Wood Stoves
• Have your chimney, flues or stove professionally inspected and cleaned.
• Keep flammable materials such as paper/wrappings, live evergreens and other decorations away from the fireplace or stove.
• Burn only clean, dry firewood.
• Check the damper to make sure it is open before starting a fire.
• Have a sturdy fireplace screen or other barrier around the fireplace/stove while it is burning to keep children and pets away.
• Ashes can stay hot for up to 48 hours. Take caution when cleaning out your fireplace/stove, and always use a metal container to dispose of ashes.
• Leave glass doors open when burning a fire to prevent creosote build-up in the chimney.
• Close glass doors when the fire is out so chimney air doesn’t' escape into room.
• Keep air inlets on wood stoves open to prevent creosote buildup inside the stove's chimney.

Will Your Home Pass Inspection? Part Six

Moving on Mondays

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. These last weeks, we looked at storage spaces and possible fire hazards. This week, we'll look at potential water disaster areas--your bathrooms.

Bathroom
• Do toilets flush properly?
• Do toilets show signs of leaking?
• Is the sink area/under dry?
• Is the sink top attached firmly to the vanity?
• Do the tiles in the tub/shower area need repair?
• Are the walls damaged from moisture or water?
• Is the whirlpool tub working properly?
• Do the pipes show signs of leakage?
• Does the ventilation fan work?
• Is the room equipped with a GFCI outlet?

Saving Money on Clothing Care

Frugal Friday

We like to look our best when going to work, out with friends or to a special event. We can't always afford to buy new clothes for special occasions. But our wardrobes may be looking a little sad.

Here are some tips to keeping your clothes and accessories in ship-shape condition so you can still look good without spending money.

CLOTHES
• Remove pills from sweaters by shaving them with a clean electric razor or buffing them with a pumice stone.
• Try fixing a stubborn zipper with soap or spray starch before tossing the item.
• Mend rips in unlined raincoats with transparent adhesive tape on the inside of the coat.
• Use padded hangers for knit items. Make your own padded hangers with old shoulder pads from dated tops.
• Dot clear nail polish on button threads to keep them from fraying.
SHOES
• Toothpaste (without whitening agents) can remove scuffs from shoes. (Do not use on patent leather.)
• Polish suede shoes and boots with fine-grade sandpaper.
• Use old pantyhose to polish leather shoes.
• Use auto paint to cover knicks and tears in high heels.
• Shine leather shoes with vegetable oil.
ACCESSORIES
• Spray the toes in your pantyhose with hairspray to strengthen them, or rub beeswax on toes and heels.
• Use clear nail polish to stop runs in nylon stockings.
• Putting lotion on your feet, heels, legs and hands will make it less likely for hosiery to snag.
• Pantyhose and tights last longer when stored in a plastic bag in the freezer.

Profile of a Hoarder

Senior Thursday

The following characteristics are what experts believe define hoarders. Although there are hoarding situations that defy each of these characteristics, and they are also common.

Hoarders are typically:
• Female; unmarried
• Living alone; socially isolated
• Related to other hoarders
• Suffering from anxiety, depression and/or personality disorder
• Lacking insight into the problem or in denial
• More entrenched in hoarding as they age

HOW COMMON IS HOARDING?
It is estimated that slightly less than 1% of the population hoards. (Note: One percent of the U.S. population represents approximately three million people.)

However, hoarding is a very private disease and in all likelihood, is under reported. Researchers believe that fewer than 5% of hoarders ever come to the attention of authorities.

General Organizing Tips for Writers--Part Two

Writer Wednesday

So far, we've been talking about organizing tips specific to aspects of writing, from tracking submissions to networking. But writers are people too. They have the same challenges in their day-to-day lives as we all do. So here are some general organizing tips for writers.

• Use MS Outlook or other similar contact software management for collecting emails and contacts.
• Keep receipts of all expenses for tax purposes.
• Keep business money separate from household money.
• Always write a name with any phone number you jot down so you remember to whom the number belongs.
• Keep a notebook in your purse or briefcase to record appointments, etc., if you don't carry your planner with you.

Safety During the Holidays--Entertaining

Tips for Tuesday

The holidays are fast approaching. Along with them, are the stresses for preparations. Part of the holiday tradition is entertaining family and friends, whether it's a cozy cookie exchange with the ladies or a formal dinner with the boss.

While these are fun times, there are some hazards associated with entertaining. Take cautions so you aren't a victim.

• Keep an eye on the stove, oven or grill when cooking. Unattended cooking is the leading cause of house fires in the U.S.
• If deep frying a turkey, keep the fryer at least ten feet away from the house.
• Turn pot handles in when cooking so you don't bump into them and little hands can't grab them.
• Unplug small electric appliances such as mixers and waffle irons when you are done with them so they don't get turned back on accidentally.
• Keep dangling cords on the counter and set back so kids or pets can't reach them.
• Don't leave hot dishes or liquids near the edge of the counter. Kids or pets might pull them over, or someone might brush up against the counter and knock them over.
• Supervise children when they are in the kitchen.
• Test all food for temperature before serving so it isn't too hot.
• Test internal temperature of meats to ensure they are cooked enough.
• When cooking on the stove top, always have a lid handy. If a grease fire starts, slide the cover over the pan and turn off the heat.
• Test smoke alarms before guests arrive.
• Place hot pots and pans on hot pads or towels. Never place them directly from the oven onto the counter or table.

Will Your Home Pass Inspection? Part Five

Moving on Mondays

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. These last weeks, we looked at storage spaces This week, we'll look at fire-hazard areas--the fireplace and laundry room.

Fireplaces
• Have the fireplace and chimney been cleaned recently?
• Is the masonry missing cement or mortar?
• Is the flue clear?
• Does the damper operate properly?

The Laundry Room
• Are appliances properly ventilated?
• Are vents clear of lint and debris?
• Is the wiring correct for the appliances?
• Are there signs of leaks from appliances?

Saving on Cosmetics

Frugal Friday

It is said that even during a recession or depression, cosmetics still sell well. Even when time are difficult, it's important to look and feel pretty. Here are some tips for saving money on cosmetics.

• To get a higher yield from powdered products, tape over half the holes.
• Don't follow directions on shampoo bottles that say "repeat." You only need to shampoo once.
• Seal your newly polished nails with a coat of baby oil. This will make them shiny and keep them from chipping.
• Ask for samples at the cosmetics counters. Say you want to try it for a week before purchasing.
• Hair dryers will last longer if you clean the lint from the screen.
• Beauty schools offer significant discounts on services under the supervision of an instructor.
• Purchase your cosmetics from a big-box store rather than a specialty or department store.

How do People Hoard?

Senior Thursday

Hoarders acquire their belongings through numerous methods.

Excessive buying—Many hoarders acquire belongings through excessive buying. Items may be purchased in person, through mail order (i.e. catalogs, QVC) and through the Internet. It is acquiring items that many hoarders crave rather than using them.

It is common to find piles of brand new items, still with tags, in the homes of hoarders.

Decreased mobility--This especially impacts older adults. Individuals who depend on others for transportation to and from shopping may overbuy in order to minimize the need for future trips. Discount warehouses that sell items in large quantities are a favorite (the “Costco syndrome”).

Catalogue and Internet shopping enable hoarders to purchase items without having to leave home. For individuals with limited mobility, the human interaction involved in the purchasing process itself may seem to fulfill important social needs.

Acquisition of stuff (trash)—Many hoarders acquire things that have been discarded by others. Hoarders are often big proponents of recycling and regard discarding objects as wasteful because “you never know when you might need something.” Lack of proper disposal opportunities are often cited as reasons why items cannot be gotten rid of. Piles of aluminum cans or paper are kept so they can be ‘recycled properly.’

General Organizing Tips for Writers

Writer Wednesday

So far, we've been talking about organizing tips specific to aspects of writing, from tracking submissions to networking. But writers are people too. They have the same challenges in their day-to-day lives as we all do. So here are some general organizing tips for writers.

• Sort and purge your office supplies and files before purchasing anything new. You may be able to save money once you pare down and see what you already own.
• Repurpose your belongings rather than purchasing new organizing products. A coffee mug works well as a pencil cup. An empty check box can hold small pads of sticky notes. An egg carton can hold paper clips, binder clips, rubber bands and other small items.
• Think vertical when planning your work space. Utilize the walls as well as the floor.
• Use a pencil when entering appointments in your planner. Anything can change, and it's easier to erase an entry than try and scratch out pen and write over it.
• Set up a tickler file (days 1-31 and months 1-12) to remind you about upcoming tasks and events.

Safety During the Holidays--Decorations

Tips for Tuesday

The holidays are fast approaching. Along with them, are the stresses for preparations. Among these is decorating the house. While not as dangerous as it used to be with live trees and hot lights, there are still risks involved.

Decorating
• Choose decorations made with flame-resistant materials.
• Keep candles away from combustible materials, including trees.
• Never leave candles burning unattended in a room.
• Use non-breakable ornaments in homes with small children and pets.
• Keep trimmings with small pieces out of the reach of small children.

Trees
• Purchase artificial trees that are fire resistant.
• If purchasing a live tree, check for freshness and keep it watered. Cut several inches off the bottom of the trunk for better water absorption.
• Place trees away from heating sources such as radiators or fireplaces.
• Make sure the stand is steady so the tree doesn't tip. If you have carpeting, place a board under the stand.

Lights
• Don't use electric lights on metallic trees.
• Before hanging lights outside, check to make sure they are for outside use.
• Don't use nails or tacks to hold up lights. Use plastic clips instead.
• Look for burnt out bulbs and frayed wires before hanging lights.
• Plug all outdoor lights into ground fault circuit interrupters.
• Turn off outside lights during rain or snowstorms.
• Turn off all lights before going to bed.
• Use heavy gauge extension cords.

Will Your Home Pass Inspection?--Part Four

Moving on Monday

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. Last week, we had a checklist of things to look for in the attic. This week, we're looking at another storage space--your basement.

• Do walls show signs of seepage or past water damage?
• Are there cracks in the foundation?
• Is there rot in the woodwork?
• Is the electricity up to code?
• Are there signs of leakage from plumbing?
• Are basement windows operational? Broken?
• Do the stairs to the basement have a railing?
• Are stairs uneven/of equal height?
• Are there signs of pest or rodent infestation?
• Are there signs of water leakage from upper floors?
• Is the insulation adequate?
• Are there holes where the foundation meets the walls?
• Is the sump pump operational?
• Does the sump pump have battery back-up?

Saving on Energy Costs--Communication

Frugal Friday

We all like to save money. Whether it's finding something on sale or clearance, using coupons or being smart about appliance use, the less we spend, the more we can save for emergencies, college tuition or retirement.

These last weeks on Frugal Friday, we've been addressing ways to save money on energy costs--electric, heating, water, etc. Up this week--saving on communication.

• When shopping for a new computer, think refurbished. Find one that comes with a warranty.
• Make 'phone calls' from your computer using a service like 'Skype'. Or look into VoIP services that charge much less per month than traditional phone service.
• Evaluate your land line extras. Are there any services like call forwarding or caller ID that you can cancel?
• Sign up for online bill pay for all your utilities and credit cards. Many banks offer this service at no charge.
• Opt for slower internet service--but be prepared to be patient.
• Never pay for an extended warranty at electronics stores. The manufacturer's warranty usually offers enough coverage for the life of the product.
• Connect all electronics to a surge protector so you don't have to replace them in the event of a power outage.
• Look for appliances and electronics at garage sales. Many times people would rather sell it than pack it.

Causes of Hoarding

Senior Thursday

While it is not always known exactly what makes seniors begin to hoard, there are some disorders that contribute to the disease.

1. Obsessive compulsive disorder (OCD) Experts believe that the most common cause of hoarding is OCD. Approximately 3% of the general population has OCD. However, most of these individuals are not hoarders. Individuals may exhibit mild, moderate or significant symptoms with this disorder.
There are four subtypes of OCD:
• Pure obsessions
• Contamination and checking
• Symmetry/ordering/arranging
• Hoarding/saving/collecting
Hoarders engage in saving/collecting behavior in order to combat obsessive doubts and anxiety-provoking thoughts. Most hoarders experience intense anxiety or distress when attempting to discard what others may view as useless objects.
2. Attention Deficit Hyperactivity Disorder (ADHD) Adult ADHD—the inability to focus or control impulses—often contributes to hoarding. Like OCD, many people who hoard have ADHD, but most individuals with ADHD are not hoarders.
3. Psychosis Individuals with paranoid schizophrenia and bipolar disorder are often hoarders. However, most hoarders do not have schizophrenia or bipolar disorder.
4. Dementia Approximately 20% of people with dementia exhibit some degree of hoarding behavior. Hoarding is common in the early stages of Alzheimer’s disease, as individuals attempt to keep things in sight for fear of forgetting where they are. As the disease progresses, hoarding behavior may increase as individuals seek to gather together familiar objects. Most hoarders do not have dementia.

Time Management for Writers--Part Five

Writer Wednesday

If you're like most writers, this isn't your full-time job. You may work outside the home. You might have children to care for. You might have a sick family member that takes up much of yor time.

Whatever it is, not many writers have the luxury of writing ten hours a day to crank out that manuscript. Here are some tips to help you manage your time better, and find more time to write:

21. Compose a signature line for all your emails that is automatically added to outgoing messages.
22. Create a master file of standard email responses to copy and paste into the body of an email.
23. Delete or save emails immediately after reading and responding to them.
24. Let phone calls go into voicemail when writing to minimize interruptions.
25. Close the door to your office when working--this tells your family you mean business!

5-minute Clutter Cures

Tips for Tuesday

Don't let lack of time keep you from being organized. There are many things that take only a few minutes to get aspects of your house in order.

• Buy a universal remote so you don't waste time looking for the right one.
• Corral each person's shoes into their own laundry basket. They may not be lined up in pairs, but at least they will be in the same basket.
• Turn those stray socks into dust rags. They fit perfectly over your hand!
• Set out a tray or basket for each person's keys, sunglasses, phone, pocket change when they walk in the door.
• Even junk drawers can be organized! Use dividers or small containers to categorize small items.
• Have a basket at the top/bottom of the staircase to hold items that need to go up/down on our next trip.

Will Your Home Pass Inspection?--Part Three

Moving on Monday

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. These past weeks, we've had a checklist of things to look for outside your home. These next few weeks we'll look at the inside. Here's what to look for when inspecting your attic.

• Is the insulation good enough for weather conditions? The more extreme the temperatures, the more insulation you should have.
• Are there signs of rodent infestation? Find their nests and their point of entry.
• Is there proper ventilation? The presence of moisture indicates a problem.
• Are there signs of water leakage on the boards or trusses?
• Is the electrical wiring safe?
• Is the electrical wiring away from insulation and other hazards?
• Do any of the boards have cracks, or do they sag?
• Are access stairs in good condition?

Saving on Energy Costs--Heating/HVAC

Frugal Friday

We all like to save money. Whether it's finding something on sale or clearance, using coupons or being smart about appliance use, the less we spend, the more we can save for emergencies, college tuition or retirement.

These next weeks on Frugal Friday, we will be addressing ways to save money on energy costs--electric, heating, water, etc. Up this week--saving on heating and HVAC.

• Invest in a thermostat with a timer so the heat/air can be lower/higher when you aren't home.
• Turn your water heater off when you go out of town.
• Turning your thermostat from 72°F to 68°F will save you as much as 15% on your heating bill.
• Close off unused rooms to lower your heating and cooling costs.
• Run an extra spin in your washer for heavy fabrics like denim so you won't have to dry them as long.
• Take clothes out of the dryer when they are still damp, and hang to dry the rest of the way.
• Find air leaks in your home with a flashlight and companion. One shines the light, the other stands on the outside and looks for the beam. Seal leaks and replace weather stripping as needed.
• Wrap your water heater with insulation to save on your heating bill.
• Have your furnace tuned up year.
• Use cold water to wash clothes, and use the moisture sensor, not timer, on your dryer.
• Reduce the temperature (120° is plenty) on your hot water heater.

Hoarding and the Elderly

Senior Thursday

WHAT IS HOARDING?

Hoarding is the name given to behavior that is characterized by:
• The acquisition and failure to discard a large number of possessions that are useless or of limited value
• The accumulation of belongings to such a degree that they impact functioning and/or preclude the activity for which the space was designed; for example-- a bed cannot be slept upon or a tub cannot be used for bathing because they are used for storage
• When the quantity of items creates a potential hazard or puts people at risk

Hoarding does not begin suddenly. It takes years for items to accumulate to such a degree that they constitute hoarding. Some believe that hoarding increases among older adults as compensation for accumulated human losses. Others believe that hoarding only seems to be a bigger problem among the elderly because they have had more time to accumulate. As more and more cases of extreme hoarding in older adults come to light, hoarding among the elderly is being recognized as a significant problem.

Hoarding becomes a greater problem as individuals age. Floors in hoarders’ homes are normally covered with debris, and as balance and mobility decrease, the hoarded belongings become a significant risk factor for falls.

Most older adults have multiple chronic conditions that are impacted by hoarding as well. Medication compliance among hoarders is poor because pill containers get lost under mounds of clutter and pulmonary conditions are exacerbated by the dust. Frail older adults may be unable to receive needed assistance because most home care agencies will not provide services in hoarding situations until the unsafe conditions are remedied.

If you know an elderly person living under these conditions, call Prima ByDesign, Inc. (847-955-1822.) We can help declutter the senior's home, and perform a Senior Safety Home Assessment. Help prevent accidents.

Time Management for Writers--Part Four

Writer Wednesday

If you're like most writers, this isn't your full-time job. You may work outside the home. You might have children to care for. You might have a sick family member that takes up much of yor time.

Whatever it is, not many writers have the luxury of writing ten hours a day to crank out that manuscript. Here are some tips to help you manage your time better, and find more time to write:

16. Learn to say "NO." Whether it's volunteer work, school events or a position on the board of your writer's group, agree only to what you can handle and still have time for yourself.
17. Learn to ask for support. There are times you have to be honest with yourself and admit you can't do it all. If you need help, with anything from cleaning the house to taking the kids to soccer practice, ask for help.
18. Open your mail over a trash/recycle bin. This way you will only handle it once, and won't be tempted to read or keep something that is really trash.
19. Sort mail immediately upon opening--To Do or Pay, To Read, To Keep and File, etc., then put all that mail where it belongs.
20. Set a specific time of the day to read and respond to e-mail. Use only that time for opening e-mails. Do not open an e-mail if you know you won't have time to read and respond to it immediately.

Caring for Your Jewelry

Tips for Tuesday

Last week we explored several creative options for storing your jewelry. Today, we are going to talk about caring for your jewelry. If gold and stones aren't cared for properly, they can break or get damaged. You don't want that to happen to your expensive pieces.

Even costume jewelry needs care so it lasts as long as it is in fashion (or comes back in fashion again.)

Here are ways to keep your jewelry looking its best:

• Check your jewelry every time you wear it for damaged links and faulty clasps. Have rings checked by a jeweler twice a year for loose stones.
• Fasten chains when you are not wearing them so they don't get knots.
• Sprinkle costume jewelry with baking powder, then gently brush with a soft toothbrush.
• Soak valuable jewelry in a solution of dishwashing liquid and water in a bowl for a few minutes, then brush gently with a toothbrush. Dry thoroughly with a hair dryer.
• Emeralds, pearls, opals and turquoise should not be cleaned in this solution. Emeralds should be professionally cleaned. Opals, turquoise and pearls can be rubbed gently with a chamois cloth.
• If you take your rings off when you wash dishes, keep a large safety pin near the sink. Place the rings on the pin, then fasten the pin to your clothes.
• Restring broken necklaces with fishing line, as it is very sturdy.
• Chains knotted? Place them on wax paper, put a drop of baby oil on the knot, then untangle them with pins or needles.
• If rings are stuck on your hands, lather them up with soap, or soak hands in ice water if they are swollen from the heat.

Caring for your valuable possessions will guarantee they will be with your family for generations.

Will Your Home Pass Inspection?--Part Two

Moving On Monday

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. The next few weeks will be a checklist of things to look for around your home. Here's what to look at when inspecting the exterior of your home.

Garage
• Is the driveway cracked or uneven?
• Are doors and windows rotted or peeling?
• Is there fire protection between house and garage?
• Is there fire protection between house and garage?
• Does the garage door opener/safety mechanism work?
• Is the floor cracked? Clean?

Landscaping
• Are trees and shrubs clear/trimmed from the house?
• Are large trees far enough from the house that they don't pose threat to foundation?
• Are trees and shrubs trimmed to allow clear view of road?
• Are trees and shrubs clear from walkways and entryway?
• Does land grade away from house for proper drainage?

Saving on Energy Costs--Water

Frugal Friday

We all like to save money. Whether it's finding something on sale or clearance, using coupons or being smart about appliance use, the less we spend, the more we can save for emergencies, college tuition or retirement.

These next weeks on Frugal Friday, we will be addressing ways to save money on energy costs--electric, heating, water, etc. Last week, we talked about saving money while using electronics around the house. This week, we are offering tips on how to save money on water usage. This will not only be kind on your budget, it will help the envirnoment by conserving water.

• Place a brick or a 2-liter bottle filled with water in your toilet tank. Your toilet will use half the water.
• If you are replacing a toilet, invest in a dual-flush or low-flow version.
• Install low flow shower heads in your bathrooms.
• Fix leaky faucets.
• Put a drop of food coloring in your toilet tank. Let it sit for a while without flushing. If the water in the bowl takes on a tint, then the tank is leaking.
• Wash only full loads of laundry or dishes.
• Turn off the water when brushing your teeth.
• Take a short shower instead of a bath.
• Install aerators in your faucets. This reduces the flow rate and water consumption.

The Core Principles of Sorting--Part Six

Senior Thursday

Everyone's family will face the time when they must sort through the belongings of senior family members or aging parents. This may be as a result of a move to assisted living, or upon the senior's passing. If the senior is still alive, the decisions are more difficult, whether the move is to a retirement community or a nursing home. In most cases, the new home is smaller, and thus, many of their possessions can't go with them.

Some seniors keep belongings of deceased spouses or children. It is important to help them deal with this loss and move on. The sixth core principle of sorting is to be non-judgmental and empathetic, and to listen to the senior. This can ease the process.

Adult children helping seniors can participate in sorting decisions, but should not control them if the senior is still alive. Advice can help, but the ultimate decision is the senior's.

If adult children are just as indecisive, it can delay the process. Some children are more paralyzed in making decisions than their parents. In this case, the process should be handled by an objective outsider.

It is undertandable that when sorting through a deceased family member’s belongings, the surviving members may still be grieving. Sorting is like saying a final farewell. Let the family member have their moment of grief before moving on.

Time Management for Writers--Part Three

Writer Wednesday

If you're like most writers, this isn't your full-time job. You may work outside the home. You might have children to care for. You might have a sick family member that takes up much of your time.

Whatever it is, not many writers have the luxury of writing ten hours a day to crank out that manuscript. Here are some tips to help you manage your time better, and find more time to write:

11. Do you have an appointment or meeting coming up? Plan ahead and make any calls or do any tasks related to the meeting, such as mapping directions.
12. Assign a due date to all tasks in your calendar--they'll be more likely to get done.
13. Add in cushions of time between appointments and meetings for emails, phone calls, travel, etc.
14. Write recurring events in your planner several months in advance. Or schedule them as recurring in your electronic calendar.
15. Confirm all appointments and meetings two days prior. Confirm date, time and location. Record other attendee's phone number in your planner in case you are running late and need to call them.

Creative Storage Solutions for Jewelry

Tips for Tuesday

Do you have a drawer or box full of jewelry? Is it a tangled mess, making it impossible to find what you need? And when you find it, is it easy to disentagle it from the other pieces?

Yes, it's easy to just throw what you've worn for the day into a drawer. But it's NOT easy finding it again when you need it.

Here are some creative storage solutions to keep your jewelry tangle-free and make it easy to quickly find what you need.

• Use small finger-tip or dessert bowls to hold rings
• Thoroughly wash a stryofoam egg carton and use it for earrings, rings or pins
• Use an upright paper towel rod to hold bracelets
• Use a tiered dessert or cake stand for necklaces
• Paint and frame a screen or radiator grille, then hang necklaces from hooks, or stick earrings through it
• Purchase a hanging organizer with clear plastic pockets
• Use an over-the-door pocket shoe organizer for scarves
• Decorate and use a tackle box for earrings
• Purchase a cork board and decorative push pins, then hang your necklaces from the push pins

Never display your expensive pieces of jewelry. And never store them in the right-hand top drawer of your dresser. That is the first place thieves look for them.

Will Your Home Pass Inspection?

Moving on Monday

Before you purchase a new home, you have an inspector look at it for any major problems. The results may be a deal breaker if the issues are serious enough. If you have your home for sale, put yourself in the buyer's shoes. What would they find on a home inspection of your property?

Avoid any surprises by having your own home inspection. The next few weeks will be a checklist of things to look for around your home. Here's what to look at when inspecting the exterior of your home.

• Are any painted areas peeling?
• Is the siding loose or damaged in any area?
• Are wood doors and windows rotted or peeling?
• Is the mortar between bricks missing or worn?
• Are soffits and fascia in need of paint or repair?
• Are walkways cracked or uneven?
• Do the stairs have an adequate railing?
• Are steps of equal height?
• Do steps need painting or repair?
• Are deck boards warped? Nails secure?
• Are deck railings loose or wobbly?
• Are deck railings within building safety code?
• Are exterior lights working?
• Are there any signs of rodent or pest infestation?
• Are gutters and spouts clear of debris?
• Is the foundation cracked/uneven?
• Are roof shingles missing/worn?
• Is flashing loose/missing mortar?
• Is chimney clear?
• Are any window panes broken or cracked?

Saving on Energy Costs--Electronics

Frugal Friday


We all like to save money. Whether it's finding something on sale or clearance, using coupons or being smart about appliance use, the less we spend, the more we can save for emergencies, college tuition or retirement.

These next weeks on Frugal Friday, we will be addressing ways to save money on energy costs--electric, heating, water, etc. First up--saving while using electronics around the house.

• Unplug all appliances and electronics when not in use (especially when away on vacation.) They consume 40% of their energy when not in use, but plugged in.
• Keep your electronics and appliances clean and well-maintained. They will work at their highest efficiency if you take care of them and have them serviced regularly.
• Put your appliances and electronics on a timer so they shut down when not in use.
• Limit the time your family uses electronics--television, computer, video games, etc. Get them back to the basics of reading and puzzles.
• Keep your phones, etc., plugged in for only as long as it takes them to charge. Unplug the charger from the wall as soon as the item is done charging.

The Principles of Sorting--Part Five

Senior Thursday

Everyone's family will face the time when they must sort through the belongings of senior family members or aging parents. This may be as a result of a move to assisted living, or upon the senior's passing. If the senior is still alive, the decisions are more difficult, whether the move is to a retirement community or a nursing home. In most cases, the new home is smaller, and thus, many of their possessions can't go with them.

Another core principle of sorting is “first things first.” Know your goals before you begin sorting. Identify what needs to be done first. Do personal artifacts need to be removed before an Estate Sale? Do essentials need to be packed for a new home? Do any pieces of furniture need emptying before a family member takes them? Does the house need to be readied for the market? Look at your priorities and address them accordingly.

Some seniors use sorting to postpone the move. They worry about what will happen to each item, so they postpone the decisions so they can postpone the move. However, they should rather focus on what is going with them to their new home. If time and finances allow, go ahead and complete the move with the necessities, then return to the old home to sort what is left to get the process moving.

Time Management for Writers--Part Two

Writer Wednesday

If you're like most writers, this isn't your full-time job. You may work outside the home. You might have children to care for. You might have a sick family member that takes up much of yor time.

Whatever it is, not many writers have the luxury of writing ten hours a day to crank out that manuscript. Here are some tips to help you manage your time better, and find more time to write:

6. Purchase a planner or use an electronic calendar. Schedule time for every task you need to complete, keeping aware of deadlines.
7. Create a specific place on your desk for your planner so you can find it when you need it.
8. Have only one calendar for both business and personal appointments so you don't double book yourself.
9. Color code business and personal entries to see the differences at a glance.
10. When entering an appointment in your planner, include the contact name, phone number and directions.

National Prescription Drug Take Back Day

Tips for Tuesday

According to the 2009 Substance Abuse and Mental Health Services Administration’s National Survey on Drug Use and Health, more than seven million Americans currently abuse prescription drugs. Each day, approximately, 2,500 teens use prescription drugs to get high for the first time according to the Partnership for a Drug Free America. Studies show that a majority of abused prescription drugs are obtained from family and friends, including the home medicine cabinet.

To address this issue, the DEA has scheduled another National Prescription Drug Take Back Day on Saturday, October 29, 2011, from 10:00 am - 2:00 pm. to provide a venue for persons who want to dispose of unwanted and unused prescription drugs.

Visit the U.S. Department of Justice Drug Enforcement Administration web site (http://www.deadiversion.usdoj.gov/drug_disposal/takeback/index.html) to locate drop-off sites in your neighborhood.

Make this vital public safety and public health issue your concern and keep your family safe. Turn in your unused or expired prescriptions.

The DEA offers this service every six months. Keep this in mind when looking through your medicine cabinet. Remove and collect medication as it expires, then take it in on the next collection date.

Preparation is Key!

Moving on Mondays

Moving isn't easy. Not only are you trying to get through your daily activities, you have all the extra tasks of packing and looking for a new home. In order to make your move as smooth as possible, enlist the help of family members in both the execution and maintenance of all the tasks involved. Everyone should help with whatever they can on their level, whether it's teens decluttering and packing their bedrooms, or middle school children sorting through their books and toys, everyone can pitch in.

Older children and spouses can complete the files you've been collecting, make phone calls or run errands. Hold weekly meetings to keep everyone informed on the progress of the packing and move, and assign the tasks for the upcoming week. Have each person give a progress report of the previously assigned tasks. You may need to have meetings more frequently as the moving date looms closer.

Don't try and do everything yourself! You will suffer physically and emotionally.

Decorating on a Budget

Frugal Friday

We all like our homes to be pretty. And wouldn't it be wonderful if they could look like model homes? Or those glossy photos in magazines?

While we may not all be able to afford the furniture and accessories, there are ways to achieve the look without the expense. Here are some frugal decorating tips:

• To give a room a new look, try rearranging the furniture. Place a chair on a diagonal, or move a lamp. You'll be surprised how little changes can make a big impact.
• Check your local paper for hotel sales. When they remodel, they often sell the barely-used, high-quality furniture at very low rates.
• Buy cheap, ugly framed art at yard sales, then toss the art and keep the frame.
• Purchase photo books or calendars, carefully take out pages, then frame the photo for inexpensive art. This looks expecially sophisticated when hanging a series of connected photos like gardens or black & white images.
• Outdoor furniture tends to be less expensive than indoor. Use it when you can for playrooms and basements. It's also more rugged than indoor furniture.
• Use beach towels to recover indoor-outdoor furniture.
• Check classified ads and Craig's List for deals on furniture. Many people are practically giving furniture away when they are moving.
• Purchase lamps and shades at thrift stores. Paint the bases, and decorate the shades for a new look.

What have you done as an inexpensive decorating project?

The Principles of Sorting--Part Four

Senior Thursday

Everyone's family will face the time when they must sort through the belongings of senior family members or aging parents. This may be as a result of a move to assisted living, or upon the senior's passing. If the senior is still alive, the decisions are more difficult, whether the move is to a retirement community or a nursing home. In most cases, the new home is smaller, and thus, many of their possessions can't go with them.

The fourth core principle of sorting is to listen. Respectful listening, though it may seem like wasting time is one of the most important things you can do when helping a senior sort their belongings. Ask questions, make comments. They will love talking to you about their past. You can learn a great deal about the senior while sorting.

Sorting can be intense and draining both physically and emotionally. Attention span for most seniors is 2-3 hours. For some, it is shorter, so keep sessions brief. One and one half to two hours is sufficient, depending on needs. Encourage breaks and snacks. You can do other tasks in the meantime, like packing away what they will be moving.

Time Management for Writers--Part One

Writer Wednesday

If you're like most writers, this isn't your full-time job. You may work outside the home. You might have children to care for. You might have a sick family member that takes up much of your time.

Whatever it is, not many writers have the luxury of writing ten hours a day to crank out that manuscript. Here are some tips to help you manage your time better, and find more time to write:

1. Set goals for yourself--daily, weekly, monthly. Write them down. Make them realistic so you don't overstress yourself.
2. Prioritize your goals according to importance and deadlines.
3. Plan and schedule your time based on your goals. For example, if you know you have to get a 1200-word article to your editor by the tenth of the month, don't plan a dinner party for the night before.
4. Review your goals on a regular basis and reprioritize as necessary.
5. Match your activities to your working style. Are you a morning person? Then don't plan your writing time in the evening when you are physically and emotionally drained.

Streamline Your Life--In the Car

Tips for Tuesday

You are busy enough without having to handle emergencies with your car as well as your home. I recently had a client who left garbage in her car from food. This wouldn't have been too bad, except that she didn't drive the car for eight weeks in the heat of summer.

The entire interior of the car was covered in mold. Luckily, it hadn't soaked into the foam of the seats. Regardless, the cleaning bill was over $200. Here are some tips for keeping your car safe and clean:

• Keep water and non-perishable snacks on hand for emergencies, but keep them well-sealed.
• Keep magazines in the car for those unexpected delays. You'll be able to catch up on reading while waiting.
• Keep a pen and paper or post-it notes in the car for messages and reminders. Pull over to the side of the road if you need to write something down.
• Keep a cooler or thermal bag in your trunk to keep frozen foods cold on the way home from the grocery store in the summer.
• Keep paper napkins or anti-bacterial wipes on hand for spills. Wipe up spills as soon as they happen. The expense of a potential clean-up isn't worth the few seconds it takes to wipe up a spill.

Preparing for the Move--Contents of Your Records Box

Moving on Mondays

Last week, we talked about creating a portable storage box for your paperwork. In addition to paperwork, include the following in your storage system:

• Pens and pencils for writing notes (pencils work best because you can erase and change information on your calendars and other schedules)
• A calculator for figuring expenses
• A stapler, paper clips and binder clips for fastening paperwork
• Plastic pockets for receipts, photos, and pamphlets (these come pre-punched to fit in your binder)
• Business card holder (these come in a variety of sizes, including 8 1/2 x 11 pre-punched for your binder)

Everyone in the family should know where the box is at all times, just in case somebody needs something from it. Be very careful where you take this box, or where you leave it, as there will be some personal information inside.

Caring for Expensive China and Glassware

Frugal Friday

You never like to break anything, even if it's just a juice glass or dessert plate. Who wants to have to go out and spend more money just because they were careless? Even worse, is breaking something expensive like china or crystal.

There are ways to care for your precious pieces, though, that will preserve their life.

• Place delicate china in quilted storage containers.
• Rather than stacking delicate cups, install hooks on the underside of your cabinet shelves and hang the cups from the hooks.
• Pouring hot liquid into non-tempered glass can cause them to crack. Place a metal spoon in the glass before pouring so it will absorb the heat.
• Place a rubber mat in the bottom of your sink when you wash your crystal. Never put your crystal in the dishwasher, even on the delicate cycle.
• If you chip or nip a piece of crystal, take it to a jeweler so he can file it down. This will avoid you having to purchase a new one.
• If you need to replace glassware, go to a restaurant supply store rather than a department store. Items will be cheaper and last longer.

The Principles of Sorting--Part Three

Senior Thursday

Everyone's family will face the time when they must sort through the belongings of senior family members or aging parents. This may be as a result of a move to assisted living, or upon the senior's passing. If the senior is still alive, the decisions are more difficult, whether the move is to a retirement community or a nursing home. In most cases, the new home is smaller, and thus, many of their possessions can't go with them.

The third core principle of sorting is understanding the meaning of “things.” There are numerous emotional issues around the sorting process. For some clients, letting go of belongings feels like one more loss on top of many others. They feel like they are losing part of themselves. When helping a senior with these decisions, you should see their possessions as more than “things.” They are part of their lives.

Seemingly insignificant items may have great sentimental value or emotional value, even if broken. Don’t refer to it as “junk.” Cherished possessions can trigger memories of a deceased spouse or child. These memories help preserve a sense of continuity of themselves and of their personal identity. Even the most mundane objects can be cherished possessions.

Many seniors find that telling stories about an object helps them part with it. Stories make them realize they can take memories with them without having to keep the object.

Networking Tips

Writer Wednesday

An important aspect of being successful in business is networking. As an author, you are in business for yourself. You are constantly selling ideas to publishers, or books to readers. Therefore, you must network in order to braoden your exposure.

Here are some tips for effective networking:

• Always carry your business cards with you.
• Never waste an opportunity to network, whether it's at the grocery store or at a dinner party.
• Keep talking to people you meet until you find something you have in common. This will break the ice.
• Keep your ears open for possible writing, speaking or workshop opportunities.
• Never gossip about anyone in the industry. Someone they know may be within earshot.

Streamline Your Life--At the Mall

Tips for Tuesday

You work, your children are involved in after-school activites, your house doesn't clean itself. So how do you get it all done? In addition to daily tasks, there are special occasions and holidays that always pop up, creating even more work for you.

These events usually require a trip to the mall, whether it's for a gift, new clothes or something needed for school. To make your trips easier, keep these tips in mind:

• Make a list before you go so you don’t forget anything.
• Make sure you have the receipt with you for any items you are returning. Some stores require one. Others will give you the last sale price no matter what you paid.
• Return catalog purchases to the store to avoid shipping fees and waiting in line at the post office.
• Buy movie tickets online to avoid standing in line.
• Buy presents on sale when you see them throughout the year. Post-holiday sales are a great time to stock up on next year's presents at a fraction of the cost.

Preparing for the Move--Collecting Important Records

Moving on Mondays

You will be collecting a large amount of paperwork and information during your move. In addition to a myriad of lists, there will be receipts, legal documents, written quotes, correspondence, business cards and photos.
It is imperative that all this information be kept together so nothing gets misplaced. Designate a central location for this information so anyone in the family can find it if they need it.

Use whatever method you find best suits your style or needs. Some options are: A three-ring binder, file folders, an accordion file, a portable file tote or a combination of these.
Portability is important, as you will probably be bringing it with you on appointments or visits. So select an option that is easy for you to transport.

Handy Uses for Tea and Teabags

Frugal Friday

Tea has been around for centuries. We know the benefits of drinking it. Green tea has healthy attributes because of its antioxidants. Herbal teas can calm you. Peppermint tea soothes an upset stomach.

But did you know that tea and tea bags have other uses around the house? Here are some ways to use it outside a teacup.

• Soaking your hands or feet in tea water takes away odors such as onion or sweat.
• Water your plants with weak tea once a week to perk them up.
• Cold teabags make great compresses for sunburn.
• Put cold, weak tea in a mister and spray it in musty rooms. Use fragrant teas for best results.
• Cut apart an unused teabag to use for mending a broken fingernail. Just trim to size, stick to the break with clear nail polish, and finish off with two more coats of clear polish.
• Soak white clothes, silk flowers or netting in weak tea for an antiqued look to your wedding attire.
• Soak black or brown clothes in tea water to revive the color.
• And if you don't use them for any of these, place them in your composter for your garden.

What handy uses do you have for teabags?

The Principles of Sorting--Part Two

Senior Thursday

Everyone's family will face the time when they must sort through the belongings of senior family members or aging parents. This may be as a result of a move to assisted living, or upon the senior's passing. If the senior is still alive, the decisions are more difficult, whether the move is to a retirement community or a nursing home. In most cases, the new home is smaller, and thus, many of their possessions can't go with them.

The second core principle of sorting is to avoid imposing personal values on the family member's lifestyle or belongings.

Some individuals are comfortable with more clutter. Some are minimalists. Neither is right or wrong. Your role is to help the family member create a new home that works for him or her, not for you.

Sorting is not about identifying the most valuable or newest items. It is about what is most dear. Encourage clients to use what they enjoy most.

Organizing Your Submissions to Editors/Agents--Part Two

Writer Wednesday

Once you have a completed project, you can start submitting your work to agents and editors. There are many things to keep in mind when submitting your book or novella. Having a handle on all this will improve your chances of having your full manuscript accepted.

4. Keep a record of all submissions in a database, spread sheet or a hard copy. List the title of the submission, the house submitted to, the agent/editor's name, date mailed or e-mailed and the date you expect to hear back from them.
5. Follow up with editors and agents if the deadline for response passes.
6. Keep a copy of each version you send out under the agent's or editor's name.
7. Review any feedback for valuable advice.
8. Reply in a timely manner if additional material is requested.
9. Send a thank-you note to the editor/agent.

Streamlining Your Life--At the Grocery Store

Tips for Tuesday

Grocery shopping is time consuming. You need to plan your menus, write your list, look for coupons, drive to the store, look for items that are on sale, wait in the checkout lines and put everything away when you get home. There are some things you can do to make the trip easier.

• Create a pre-printed grocery list either by aisle or food group. Print one out as soon as you return form the store. Hang it somewhere handy in the kitchen. Then check off items you use up or know you'll need the next time you shop. Make your own, or print one from online, such as this one from OrganizeTips.com--http://www.organizetips.com/grocer.htm
• Clip coupons from your Sunday paper every week and file them by category. Check your shopping list for coupons before you go to the store.
• Make up your menu for the coming week so you know which ingredients you'll need to purchase.
• Economy-size packages may not always be the cheapest. Check unit pricing for the best deal.
• Avoid grocery shopping altogether by using a grocery delivery service. The same goes for prescription medications.

How Long Will It Take Me to Move?

Moving On Monday

Moving takes time. There's prepping the home, showing it, looking for a new home, and packing up all your belongings. So how much time should you allot out of your schedule for the move? That depends. Every move is different because everyone's live are different.

When you are tallying the hours, keep these factors in mind:

⌂ How much you own—from furniture down to books and CDs, the more you have, the longer it will take you to sort, pack and unpack.
⌂ Your work schedule—If you work full time, decide how much you can realistically get done on evenings and weekends.
⌂ School schedules—If you have school-age children, you will have to work around their extra-curricular activities.
⌂ Family size and ages—Little ones take time away from you, while teenagers can be put to work.
⌂ Outside help—What friends or family members can you rely on for assistance?
⌂ Who will pack and fill the truck—If you hire movers, this can be done for you. If you rent a truck, the packing, filling of the truck, emptying of the truck, and unpacking will all be your responsibility.
⌂ Distance of the move—If you are moving across town, you can make small trips over a few days or weeks. If you are moving cross-country, there are many more factors involved such as airline/hotel reservations, car transportation, etc.

More Frugal Cleaning Tips

Frugal Friday

Last week we gave you some useful cleaning tips that will save you money. Here are more tips for saving pennies (or even dollars) when cleaning your home. These solutions are also eco-friendly. Why use harsh chemicals when you can use something good for the environment?

• A solution of baking soda and water works well as a deodorizer for your kitchen and bath. Add a drop of essential oil for a scented version.
• Place a bowl of water and one of ammonia in your oven while it is still warm. Let it sit overnight. You will be able to wipe away any accumulated grease in the morning.
• Save the corks from your wine bottles. Use the clean side to rub on tarnished silverware. It will pick up whatever is tarnishing the surface.
• Vinegar and water (1:3)will clean your crystal stemware without streaking. Wipe clean with soft rag, and air dry upsidedown.
• Rubbing alcohol will remove spots from stainless steel surfaces.
• Remove tea stains from mugs and teapots--Fill with warm water, then dissolve denture cleaning tablets in the water. Let sit for about an hour--time varies depending on severity of the stain.

The Principles of Sorting--Part One

Senior Thursday

Everyone's family will face the time when they must sort through the belongings of senior family members or aging parents. This may be as a result of a move to assisted living, or upon the senior's passing. If the senior is still alive, the decisions are more difficult, whether the move is to a retirement community or a nursing home. In most cases, the new home is smaller, and thus, many of their possessions can't go with them.

Downsizing, right-sizing, and sorting all refer to helping seniors determine which belongings can be accommodated in their new home. For some, the prospect of sorting is so daunting they postpone moving. For others, the anxiety about the move itself takes on the form of indecision about belongings. Family dynamics may complicate this.

Organizing in advance and documenting decisions is a critical ingredient of smooth, efficient moves. This should be done before moving day for the least stress. Even when sorting is done in advance, the senior may take too much with them, resulting in over-crowding. A senior is less likely to be happy in their new home as a result. That is why sorting in advance is critical.

Remember these are the senior’s belongings, not yours. They have a right to make their own decisions, even if they are irrational. When helping a senior, provide what help and guidance you can, but don't interfere with their right to self-determination.

It is the client’s right to take as much or as little to their new home as they wish. This is the core principle of sorting.

Organizing Submissions to Editors/Agents--Part One

Writer Wednesday

Once you have a completed project, you can start submitting your work to agents and editors. There are many things to keep in mind when submitting your book or novella. Having a handle on all this will improve your chances of having your full manuscript accepted.

1. Read all guidelines for the publishing house or agency for their specific rules. They vary from house to house, as well as editors within a publishing house. Therefore, it is imperative that you learn what each editor/agent is looking for in a submission.
2. Abide by all guidelines. It isn't enough to read them. You must obey them, even though you think you should be an exception to the rule for whatever reason. Breaking even one rule, such as "Do not ask for a signature on delivery" will make a poor first impression on an agent or editor. So if you want this, or subsequent projects requested, do as they ask. You may not get a second chance.
3. Call the agency or publishing house before submitting any work to verify the editor's/agent's name, name of the publishing house/agency, their title, and whether or not they are still employed by the house or agency. Depending on the agency/house, your work may be returned to you unread if the agent/editor is no longer there. They have such a large quantitiy of submissions, they don't always want to take the time to re-route projects to other editors/agents.

Streamline Your Life--General Tips for Errands

Tips for Tuesday

You lead a busy life, working, shuffling children around, attending family commitments, etc. There are times you wonder how you are going to get it all done. Especially with all the errands that are a part of everyday life. Here is the first in a series of blogs about streamlining your errands and shopping to save you time.

General Tips
• Write out all your stops before you head out the door so you take the shortest route and won't be backtracking. Check times of operation for businesses before you leave so you don't arrive at a store that isn't open yet, resulting in a trip back later in the day.
• Order stamps by mail—they’ll be delivered to your mailbox at no extra charge. The Post Office also ships supplies like priority mail envelopes/boxes at no cost to you.
• Barter with friends—trade one of your errands or tasks with one of theirs to avoid an additional trip. Plan in advance in case you have to bring an item, such as library books, to your friend's house before they are due.
• Limit your kids’ activities. Even one activity can mean several trips per week, with practices and games or performances. Allow one activity per child to save on your sanity--and their health.

I'm Moving! Now What?

Moving on Mondays

People move for different reasons. They move out on their own after school, they get married and move in with their spouse, they move to a larger house to accommodate a growing family, or they move to a friendlier climate upon retirement. These are all joyful occasions.

There are other reasons people move, too. A company may relocate the head of the household to another state, a divorce may require the sale of the current home in an asset liquidation, or a senior may not be healthy enough to care for his/her current residence on his/her own. In these cases, emotions run higher because the move is not optional, but rather a necessity due to outside circumstances.

Regardless of the reason, moving is very stressful. Like any other event, though, proper planning can make the transition easier. If you know what to expect and what to do, the move will be smooth and stress-free.

To help you through these stressful times, Prima By Design, Inc. has published a moving guide. The guide is full of helpful information and guidelines. It also has many forms that you can use to make your move as easy as possible. There are 76 pages of ideas and forms that we have compiled from our experiences. For more information, see our web site.

Frugal Cleaning Tips

Frugal Friday

Here are some penny-pinching tips for saving while cleaning your home.

• Use the rule of half. Use half the detergent, half the dryer sheet, half the sponge, etc. You will find that most cleaning can be done with half the product, saving you 50% on cleaning costs.
• Denture cleaner and water makes a great paste for cleaning stainless steel.
• Instead of using harsh chemicals to clean your microwave, boil water for 30-60 seconds. The food particles will easily wipe off.
• Buy generic when possible. These brands often clean just as well, for much less money.
• Buy in bulk when on sale. This will save you money in the long run.
• A crumbled up mesh onion bag works just as well as a scouring pad--and rinses clean more easily.
• Freeze vinegar/water cubes and toss one in your garbage disposal for inexpensive, effective cleaning.
• Use rags instead of paper towels.

Overview of Senior Communities

Senior Thursday

There are as many different types of facilities for seniors as there are needs. Some seniors are still active and working. Others are retired, but can't live on their own and take care of a house. Yet others are too ill to take care of any of their daily needs.

Here is a summary of different types of facilities and their levels of care.

ACTIVE ADULT COMMUNITIES
These are generally for people 55 years of age or older. The senior purchases the home and it can be sold when moving out. They can be single family homes, attached, or apartments. Most communities have club houses and golf courses, along with other activities. Health care is not normally included.

CONTINUING CARE COMMUNITIES
These facilities offer a carefree lifestyle with a built-in support system. Residents pay an entry fee, along with a monthly fee. There are different types of contracts, depending upon the seniors situation:
• Extensive--Provide shelter, services, amenities and long term care. Monthly fees do not increase.
• Modified--Provide shelter, services, amenities and a specified amount of nursing care. Additional care can be purchased in the future if necessary.
• Fee for Service--Provide shelter, services, amenities and emergency and short-term nursing care. There is an entrance fee , and low monthly fees. Long term care is available at an additional cost if necessary.
• Rental Agreement--There is no entrance fee. This is for housing only, and health expense are paid for as needed.

ASSISTED LIVING FACILITIES
These are designed for individuals who need help with daily activities. Staff is available 24 hours a day. Most offer three meals a day, housekeeping and laundry services. Medicare does not cover assisted living care. Most of the cost is covered by private pay.

NURSING HOMES
These are for people who need significant assistance with activities of daily living. Most provide different levels of care, from skilled nursing to rehabilitative. Services include room and board, personal care, and medical care. Most offer structured activities and recreation. Medicare might pay for a limited number of days.

The facility you choose for yourself or your family member will depend on physical health, mental capactity, and income. Make an informed decision.