Saving money on T-G dinner on the morning show
10 years ago
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Comments (2)There use to be bank accounts called xxxname trust account for...Check with someone like Wells Fargo, Bank of America. It could be the person you talked to at the Credit Union was not as knowleable as she should be. Go back to talk to the manager, or ask at a bank like I mentioned. Talk to the bank about using the bank as a trustee also....See MoreOT: ways to save money in this economy...
Comments (44)Our story goes back to 2002, when my husband was laid off in the last downturn. We were living in a house that was at the top of what we were comfortable paying (though the banks thought we could afford oh so much more!). Fortunately, my husband was able to replace his income within a year by starting his own business, but it was a wake up call and we changed some things. The big things: -we live in a house that is about half of what we can afford and now have no mortage (we sold our more expensive house when we were at the top of our earnings) -we buy gently used cars with cash and drive them forever -we have catastrophic heath insurance and try to keep ourselves as healthy as possible through diet and exercise -we never spent money on preschool or private schools - we homeschool (though not for financial reasons, that's just a bonus) -we enjoy eating out, but we have potlucks with close friends more often. You can have an awesome potluck for what six families would spend eating at a restaurant! -no cable tv, just Netflix. You can watch television shows over the internet or get the DVDs from Netflix. -I purposefully cook to create leftovers. For example, my pot roast on Friday night became pot roast pasta on Saturday, so that stretched our meal over two days and saved us money. -No Starbucks or anything like that. Though like many here, we do spend some of our budget on wine ;). -I make a menu plan and a grocery list and I stick to the list when I shop. No impulse shopping! That'll get you every time. Things we haven't cut back on: -the housekeeper. They come once a week, and that will be one of the last budget items to go. It is a huge help to me as a homeschooler with a toddler, and I also don't want to hurt their business if I don't have to. -quality groceries/ organic. There are somethings I buy that are important to me and I don't mind spending extra on it. For example I prefer to buy Organic Valley dairy products because I prefer their business model to other organic producers that are available to me. -home maintenance. It's more expensive to replace an AC prematurely than to maintain it regularly. -giving. The people who need charity need it even moreso now. We also keep money in the budget for my husband to go on international mission trips, and I'll be doing that again after the baby is a bit older. Good thread!...See MoreSaving money on pets?
Comments (41)BIRDS Yes on the cheap bird toys, and saving money on diet, too! :D TOYS: Get a 1 qt. stainless steel bucket (google for it) on the web for less than $5 and it will last forever and go in the dishwasher for cleaning. Hang it where he won't go potty in it, and cross your fingers. 1 qt. is a fine size for an Amazon. The big macaws and such can do a 2 qt. bucket. Just use the SS, no other metal, as other metals can contain zinc, which is toxic to birds. For a little bird like a 'tiel or 'keet, you can use a clean yogurt container, cut vertical slits in the side, and fasten it to the side of the cage with an electrical cable tie. Then fill the bucket with his "used" safe broken toy parts, new toy parts, smooth cleaned beach rocks he can pick up but not swallow (fun to drop on the cage floor for the noise), and SAFE branches, flowers, leaves, and pinecones from the yard. If you don't know which plants and trees are safe for birds, you can google for the info. If it's not nesting season, you can also put in balls of wadded up paper... but don't do that during nesting season. If your bird loves to undo screws with his feet (cockatoos love this), get some stainless steel washers, nuts and screws and thread them through a small block of wood, or some plastic disks. That'll keep 'em busy. They're expensive to buy, but they last forever. At night pick up the toys off the cage floor and wash them (I put the plastic stuff in the dishwasher, but not the wood or rope), then return them in the morning. My birds all LOVE their buckets. I love them because I don't have to string a bunch of stuff. Another toy my birds love: grab a few drinking straws, cinch them in at the "waist" with a cable tie to form a pompom. My 'zon also loves those plastic easter eggs, but watch hard plastic as it can be sharp if broken. You can hide goodies in those plastic eggs, too. I also buy plastic chain at the hardware store and run it through the dishwasher to sterilize. Then I cut fleece in 1/2" to 1" wide strips. Don't make the strips long enough to wrap around a little neck. Thread the fleece through the chain, knot it once, and tie beads, blocks, Mirabella beads and hoops, and bird toy parts on the ends of the strings. It's very colorful, very interesting, and the fleece and chain are indestructible (provided you use heavy enough chain for the bird in question). You can replace the toy parts when they're chewed off. I save a ton of money by going to the bird fairs and buying toy parts there. Never take your bird to those places, and carefully sterilize everything you get there before giving it to your bird. If you have any local parrot stores or breeders, they can probably tell you where and when the shows are, or watch your local newspaper in the classifieds in the Birds For Sale column. If there are no bird fairs in your area, watch eBay and you can pick up bargains there. Again, sterilize everything that might have come from where other birds are. To sterilize things, I use Avicine (google for it), since it's recommended by the top avian disease researcher in the country. There is also a great section called "The Toymaker" at birdsnways.com. But use your head, as there's no guarantee everything there is safe for every bird. I strictly avoid all cotton rope for my 'zon as he gets too into his toys, and he once got his foot caught in it. We were lucky he wasn't hurt. He snaps bird-tanned rawhide immediately in two, so that's no good for him either. But they can't bite the fleece in two, and the fleece doesn't unravel dangerous threads. You can also sometimes find cheap baby toys at the thrift shop, but be careful they're safe, and clean them well. My birds LOVE their buckets! I think it satisfies the need for them to forage as they rummage through the contents trying to get to the bottom. You can switch the toys out to keep it more interesting. One set is being washed, so you use a different set. I swap buckets between my 'zon and RFM, and also between my G2 and TAG. But I don't give the medium sized bird's toys to the big birds or they would destroy them in a heartbeat. I usually soak the dirty toys in the bucket in water for a while, then hand scrub them with a stiff brush. Then I soak them in Avicine water for a few minutes, then rinse thoroughly. I don't soak the toys in Avicine first, as I want them to absorb water, not chemicals. BTW, if you're handy with a saw, you can pick up chunks of 2x4 (pine or fir) free out of a burn heap at a new building site, but ask their permission before you take anything. With wood stuff, you can sterilize it by baking it in an oven at 200 degrees for 1/2 hour -- but double-check me on the temp and time, please, by googling for the info (that's just from my memory). Then cut it into suitable sized chunks and drill holes in it if you want to string it, or just toss it in the bucket. NEVER give them treated lumber, as it will poison them. Or, just buy a 2x4 at the lumber yard. You don't have to dye the wood. FOOD $ SAVINGS: Seeds are not good for birds; but if you sprout the seeds they're one of the most nutritious foods in the world. Invest in a decent sprouter (I love my EasySprouter). Learn safe sprouting methods. If you only feed organic, there are mixes you can buy on the web. If you can't afford organic, there are lots of safe things in a good health food market bulk department that will sprout -- ask the clerk. You can sprout lentils from the grocery store (very cheap). You can sprout pigeon mix from the feed store (my birds get these every night). That is very inexpensive! You can sprout parrot seed, but it's expensive and it often contains other junk you have to pick out like dried fruit, nuts, and pellets -- no good. Feed the sprouts when the tails are still just teensy nubbins, don't let them grow long. That's the optimal nutrition, and the longer the tails, the more bitter the sprout. The birds just snap the tails off and drop them anyway. Birds LOVE sprouts -- that's mostly the way they eat seeds in the wild, if they can. Of course, they need fruits and other veggies, too, so shop for bargains. Do feed organic if you can; otherwise wash very well and peel most stuff (they peel their own grapes). And your 'zon needs the equivalent (in size) of two peanuts (out of the shell) in nuts per day. More than that can give him fatty liver disease. I vary which kind of nut my birds get every day -- all UNsalted and preferably raw. You can sprout raw nuts, too. Just soak them over night and rinse well. They don't grow tails. Macaws need more nuts than other birds. My RFM (mid sized macaw at 1 lb and 2' long) gets about 6 nuts a night. Almonds, btw, are loaded with calcium, which Greys need. If you're nervous about sprouting, just soak your seeds overnight in hot (bath temp) tap water. Then drain them in the morning, rinse well and refrigerate. That is vastly better for your bird than seeds that aren't sprouted. The old farmers used to always soak their chicken feed in a bucket overnight. They knew! On diet, your bird also needs a wee bit of cooked egg or meat every other day or so. My 'zon gets 1/2 HB egg. I slice and dice fruits and veggies for my birds every morning. They get sprouts and frozen veggies at night... plus anything healthy and not salted that I'm eating. I thaw frozen mixed veggies in a strainer run under hot tap water for a few seconds. Don't nuke their food. Forget the dairy, as they're not mammals -- but a wee bit of yogurt every few days is okay. I also sprinkle just a wee bit of powdered health food store vitamins over their breakfast each day, just to make sure they're getting their nutrition -- you know, the kelp, barleygrass, powdered carrots, etc. type mixtures. Like lightly "salting" their food with the vitamins. Remember, variety is the ticket to good nutrition, and it's better to pay the grocery store than the vet (and cheaper). A good vet will tell you that about 90% of a bird's longevity is in good nutrition and in cleanliness. I hope this helps the bird owners out there. :D...See MoreWhat do you do that saves you money AND is kind to nature?
Comments (14)Keep advertising flyers printed only one side using typewriter paper to use to write notes, make calculations, etc. The ones written on both sides I save in a grocery bag to put in the recycle bin for fine paper. Got a heavy paper/card flyer, regular office size from a local deli in the mail today - will punch holes in it and use it for subject divider in ring binder. When I get their flyers half that size, glue a store flyer printed one side to them - then can use it to write material that I want to use frequently (e.g. phone numbers, listing of area codes, frequently used web site, e-mail addresses, etc.) on that blank sheet. Newspapers saved in different bundle. Use large sheet of scrap cardboard to build open-top box to organize magazines that I wish to save for future reference, to stand up on bookshelf. Cardboard pie boxes will do the job, as well - but they don't stand alone as well. Need to cover plastic window on inside so doesn't catch on mags with a sheet of (used) printer paper, held in place with a dollop or so of glue. We just had a shot of snow this morning - much earlier than usual. Brrr-r-r-r. With electric baseboard heating (and inadequate insulation in this rented townhouse), I can adjust heat room by room, so keep heat level low in kitchen, where I'm usually moving around. Turned heat up in bathroom yesterday. Keep it rather low in office, as well. Put on winter underwear this morning. When it gets cold I wear a sweater, batting-insulated vest and light jacket. Wear a hat to cover my head (only lightly insulated by hair). Get along O.K. until fingers get cold. My 22 year old Ford van has couple of leaks in roof, small holes in body and major hole in floor. Am getting some body metal, pop rivets to secure pieces that I've cut and shaped, tar to coat the outside under floorboard, fender, etc. and body paste to smooth over new metal to blend in with current body, then can sand and paint. Retrieved several spray cans with a dab of paint left from garbage, a couple of years ago. Several colours - but I plan to use only black and white, thank you. Not really a hard job. Should cost approximately $50. Better than scrapping the vehicle - which looks rather scruffy and some said that I should do four years ago when I did last body job. Takes a lot of materials and energy to build a new vehicle - so I say it's best to run the old ones into the ground. There are some rust spots on the hatch at the back of the 13 year old car, so need to use wire brush in electric drill to clean off rust, then smooth out with body paste, and paint with primer and finish coat. (Don't have right colour paint on hand). If I don't do it soon - I'll have rust holes to deal with. Much more effort required, then. Annual insurance (I don't carry collision coverage, of course) on both costs about 150% of what I paid for the van, 13 years ago. It had around 150,000 mi. on it then - about 190,000 now. Originally used it to deliver corn-fired heating stoves that I used to sell. Anyone know where I can find some hot air? Surely not produced by anyone around here! joyful guy...See More- 10 years ago
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