For nursery pots I started using old food cans, and pop bottles cut down to about 6" deep, & poke a few holes in the bottom. Seed saving from one year to the next. You can't save seed from foods you buy at the grocery store because most are hybrid varieties and won't reproduce true. You have to start with heirloom varieties, and save those seeds. Make my own compost from leaves, paper, grass and kitchen waste. You cut down on a lot of trash by composting junk mail and boxes that canned pet food comes in. Cardboard makes good compost, as does newspapers, paper grocery sacks, clothing labels, dryer lint and cereal boxes. Make your own seed starting mix from peat and perlite, because it needs to be sterile to prevent damping off and diseases that attack tender new growth. I make my own potting mix from screened compost, sand, used seed starting mix and perlite. It's especially important to have a loose, open potting mix with my nursery pots that have straight sides (cans and pop bottles) otherwise it would be too difficult to get plants out of them for up-potting. Cheryl

Join the seed exchange forum and get your seeds there. Then join the wintersowing forum and learn how to grow'em yourself. This will save you a TON of money and get you started. Then you can buy items as they come available, either by your "early bird purchases" or through clearance sales etc. Find local native nurseries, the prices are often a shock at first because they are so low (usually 2-3 dollars a plant/tree) but most times the trees/shrubs are only 1-3 feet tall and plants are seedlings but they are a cheap way to get things moving faster. Collect seeds on your own once you learn which seeds are native and then keep a record of where you collected them for future reference and then just broadcast them over your slope. Once they have matured you can move them about to better locations. Butterfly weed doesn't bloom if it doesn't have enough sun, so do your planting when foliage from above is at it's peak and you can find sunny spots to place the butterfly weed (ie. along your path and down near the open bottom of the slope near the tracks). Also, butterfly weed is slow to peak out from the ground in spring so don't give up on it. You have the benefit of the Gulf Stream so you will get an earlier sprout but here in southern Ontario where we are much colder, it is one of the very last plants (along with bleeding heart) to poke it's nose out of the ground. Start with purchased Butterfly weed as it will most likely bloom the first season (Walmart...very inexpensive and you can buy whole flats if you want) and plant them far apart from one and other. Then collect seeds in the late fall (October) and either save to germinate in the spring in flats or sow them right into the ground between your spaced apart mature plants keeping in mind they will need sun to bloom and give you their wonderful rich colours that attract monarchs during their migration. I mentioned winter sowing a bit earlier. Some people have had magnificent success with it, so maybe it's something you will want to try as it will yield the large numbers you need for that big slope of yours. Here's the link if you haven't seen it already: http://forums2.gardenweb.com/forums/wtrsow/ Have fun with it most of all. I've done a very similar project starting from nothing but a "mess" and now into my 3rd year we are seeing GREAT results from the methods I have suggested: seed sowing - just tossing/broadcasting near and far winter sowing and planting out native garden centers with cheap plants native plant sales at hort. societies, universities etc... purchasing more mature plants when they are inexpensive, early in the year or late on clearance Good Luck and have fun with it! It will be prettier each year and if you don't believe me, take a photo(s) from the same location each spring, summer and fall and you will see the progress quite nicely. I have even made an animated 'gif' of our 3 year progress and the change is quite amazing in just a short amount of...

On #s 15 & 16, I think it's important to point out that often the alternative to refi and the like is simply pay down the principle! Especially if you're early in the mortgage, every nickel you pay toward the principle means the balance of the loan's interest on that nickel goes into your pocket. Ol' Joyful, I'll need some of your expertise here, but could you figure a rough calculation of an average type house loan, average refi costs applied to the current loan and how that would compare in the end? I think it'd be interesting. Also, said before, but often people think they "need" a new car and don't consider if they put some money into the old one, it'd save in the long run. Remember, new cars have higher insurance and license costs so there's more than the initial price to consider. I would take a bit of issue too with the convenience store avoidance. You could actually save money if wise. Often, convenience stores sell eggs, milk, bread etc at very low prices, often far less than the markets. Plus it's not a special trip, saves time plus there can be (tho not guaranteed - it's up to you) fewer impulse buys. The longer you're in the grocery store, stats say you'll spend more. Again, it's how savvy you are, but be careful. #18 (Shudder) Buyer's Brokers are seldom a good thing. Let's face facts, no real estate agent/realtor or the like works FOR the buyer! Who pays them? The seller. How do they get paid more? By "benefitting" the seller. There's no way the buyer benefits from realtors. The fewer the better in most cases. Why? Because you can often negotiate the realtor fees. If you have one realtor taking the entire commission, it's far easier to negotiate them down than to negotiate with multiple agents and try to negotiate down when they're getting 1/4 or less of the commission. Beware of this statement and check into these claims. You're far better off to have a good real estate attorney on your side. S/He'll be working for YOUR benefit. Mine found problems in the paperwork and embarrassed the daylights out of the stack of realtors, closers and the like at my closing! It was hilarious! Now as for the inspector, yes, that can be worthwhile, but don't use one recommended by the realtor (kickbacks) and make sure you know what they're inspecting, their qualifications and the like. A good alternative can be a trusted friend with qualifications. Hire like any professional. Realize, though, that the inspectors DO NOT GUARANTEE the house! So if they overlook something, it's not their fault or responsibility and they won't be doing anything for you so know what you're getting. A title examination, especially of abstract properties, can be very important especially if you don't know how to read an abstract. Torrens is less problematic. Buying a home brings up a pandora's box of potential problems and far too many to go into here, but there's some things to be careful of. #21 Consumer Reports is a pet peeve of mine. They're often very biased in their reporting. Plus, keep in mind that they do not "test" ALL models and versions, even of similar products! Do you realize that the washer you buy at Home Depot is different than the one you buy at Best Buy and they're both different than the one you buy from a mom-n-pop dealer? That can have significant differences in the specs and needs. One can have cycles and features the other doesn't. Don't get caught up in the CR myth. Read their magazine with a shaker full of salt and do far more research than CR. You'll be doing yourself a favor. That's enough for now. There's more opinions coming, I'm sure! :) Happy saving all! Enjoy the frugal season!

I'm not sure I'll be much help on this subject since I'm just now decluttering and reorganizing my home. Here's a few little things I'm doing: Since I don't have a regular pantry (I'm going to make one somewhere, someday--lol) I keep all breakfast items in one drawer, like instant oatmeal, grits, hot chocolate, etc. So, I know in a glance what I need and don't buy extras. I just tear off the top of the pkg. and set the whole thing in the drawer. I also keep my ironing supplies on one drawer---irons, spray starch, etc. I actually had to buy a second iron because I couldn't find the first one---before I organized! I took all on my junky paper and cut it into note size, put it in my desk drawer. If I have pretty junky mail, or envelopes, I cut them up to use as gift tags or small note cards. I hate frying bacon, so I bake it now on a rack. It's healthier and I don't have to spend so much time at the stove. I actually baked a pkg. this morning, used it all at once---now, we have bacon for tomorrow. I don't have very many closets, so I'm using decorative tins and hatboxes (I went thru a hatbox-making phase a few years back) for storage of sewing and craft supplies, and anything else that I can't find a place for!!! LOL These things hold a lot, so I may not have to buy any shelves. In my foyer area, I have a narrow table with a mirrow above it. I just cleaned out that drawer in the table----I have a place for car keys (his & hers), gloves, hairbrush, and glasses. Since I wash my hands a zillion times a day, I keep either an old dish detergent bottle or shampoo bottle with soap, water (*and now hand lotion or baby oil mixed in) under the sink to wash hands with. I just saw a Dr. on Tv say that if you wash your hands too much and they're dried out, germs can enter your body thru the cracked dry skin EASIER!! They were talking about the flu viruses. He actually said that rubbing your hands back and forth, creating friction, would kill germs on your hands!! Rub your hands, rub your hands!!!!!!