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The Dollar Stretcher
by Gary Foreman

StorkNet.com > Columns > The Dollar Stretcher

Dollar Stretcher Tips - January 17, 2013

Whitening Teeth at Home
Try using baking soda with just bit of hydrogen peroxide to form a paste. If you use this twice a week, you will see a difference. ~Christine

The All-In-One Bag
When I get new items that come with instructions, CDs and cords, I put them in a zipper bag. I also include the receipt and write the date of purchase on the instruction book. Then the bag goes into a specific drawer, so it's easily found. ~Lisa M.

Dealing with Dry Winter Indoor Air
I live in the desert, and winters can be extremely dry. This is the time of year I make all sorts of stock and soups and either consume them or freeze them. Gentle simmering all day does the trick. In addition, I have a fireplace insert, so I put a kettle of warm water on. It gently steams away while the fire is going, which is usually at night. The cooking activity heats up the small house during the day, and the fire continues to keep it warm at night with enough moisture added to the air at no additional cost. ~Jennie

Cheap Stain Remover
My son dripped bacon grease on his deputy uniform and tried to get the stain out on his own. He then put it in the dryer without checking if the stain was gone. It wasn't. He was ready to toss it, but saving money sometimes requires giving a situation just one more try. I mixed baking soda with vinegar, rubbed it into the stain, and then let the paste have five minutes to work. When it came out of the washing machine, the stain was completely gone. This simple formula saved my son over $75. ~L.

Beyond the Dinner Exchange
A dinner exchange doesn't have to be a meal for a meal. A friend of mine wanted piano lessons for her son. She asked me if I would be willing to barter something like lessons for house cleaning. I wasn't real keen on house cleaning, but I asked her if she liked to cook. It turns out that she does like to cook. So, each week that she brings her son to the lesson, she also brings a meal plus a menu for the next meal. She does this for several people in exchange for various services. ~Mary

Why I Don't Use Automatic Payments
If you are having a hard time paying your bills on time each month, do not get locked into automatic drafts. This gives you flexibility to pay your bills on your schedule (on time, of course). In addition, if you really have an emergency during the month, you can take advantage of your grace periods on some accounts. With automatic drafts, you can't take advantage of this benefit. Just make sure that during the grace period, there are no "late comments" submitted to your credit report or late fees charged to you. ~PW

It's Unadvertised
Whenever I'm shopping at the grocery store or big box store, I check for unadvertised sales on things we use daily. Our old cat can only tolerate one brand of cat food, so I check the price of it every time I go to the store. I rarely pay full price for her expensive cat food this way. I also look at the price of her cat litter every time. If I try to buy a different brand, she won't use it. My husband likes sugar-free popsicles for a snack. I check for those everywhere I go, because they are not only hard to find but also can be on a significant sale at times. If you know what items you wish you could find on sale every week, check them when you shop. I got my cat's food at half price when the manufacturer changed their packaging just because I checked. ~Wendy

Makeup Secret Savings
I personally enjoy my makeup collection, and as a woman of color, I find using cheaper drugstore cosmetics a "hit or miss" situation. I've discovered the power of quality brushes. But, instead of buying expensive brushes at the cosmetics counter, I went to my local art store and bought very high quality brushes for about half as much. The use of a brush for foundation or lipstick not only results in a better application, but it also saves product! I've been able to stretch the length of my cosmetics, while treating myself to a "professional" application. ~Janki N.

Lifestyle Changes
I have several habits that I would like to change, but in the past, I was never able to make the necessary changes. This year, I decided to do something different. I wrote down several of my goals on individual notecards. I also included on each the amount of time I would like to focus on that particular goal. I was so excited as I shuffled the cards and randomly chose one. I will work on this goal for four weeks. As this goal becomes a habit, I will draw another card and begin working on a new goal. I'm also keeping track of my progress on a calendar. I'm really enjoying the feeling of accomplishment as I tackle one goal at a time. ~Rhonda

Affordable Vaccines and Immunizations
If you are uninsured, there are often less costly alternatives to going to the doctor for a vaccine or immunization. Sometimes, drug stores or supermarkets have flu shots or pneumonia shots available for less; check the prices. I've even heard of a charity clinic, which is a business holding a free flu shot clinic for low income people. If there is a health fair in your town, go to it! I recently received a free tetanus/whooping cough shot at a health fair, along with diabetes screening and a blood pressure check. If you are a senior citizen, senior citizen centers may offer flu shots. One year, my church even offered low-cost shots for the families in our congregation! Public health departments or clinics often offer common shots, including childhood immunizations and vaccines required for school or daycare enrollment for free or at a reduced cost. Sometimes, there is an eligibility requirement, such as income, so you need to check with the immunization clinic to find out. Due to budget shortfalls, some clinics are now charging fees. If your child needs back-to-school shots, it's best to get them in early summer to avoid the rush that occurs right before the first day of the fall semester. Since different places charge different prices, always call around to compare prices. They vary widely. ~Lynn B.

Want to live better on the money you already make? Visit www.stretcher.com/index.cfm?TipsSyn to find hundreds of articles to help you stretch your day and your dollar! Copyright 2013 Dollar Stretcher, Inc.

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