Rejoice and Love thy neighbor

Since my husband has had his heart surgery I have felt truly loved. We have received prayers, notes, phone calls, dinners and even a few gift cards. I never realized how special these things were until I received them. Now I can say I am changed…. I can do more and will!

A few months ago our Bible readings (Luke 15) were the parable of the Lost sheep and lost coin….after the sheep was found the Shepard went home and says to his friends and neighbors  “come and rejoice with me” and when the woman found her coin she called her neighbors and said “come and rejoice with me” The next week was the story of John the baptizer’s birth (Luke 1). When it was time for Elizabeth to have her baby, she gave birth to a son. 58 Her neighbors and relatives heard that the Lord had shown her great mercy, and they shared her joy.

I have been thinking a lot….do I truly rejoice with one another? Do I love and care for those in need? Speaking as one who was in the midst of a crisis…..It is wonderful and we feel loved. I am changed ….

God’s Blessings, Candy

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Frugal Diva!

 

This afternoon I stopped home for lunch and turned on tv and watched a clip for Diva Exchange parties.

What’s the best way to save money on clothing? Swap with friends! The Diva Exchange is a way for everyone to dress like a diva — for less.

You can clean out your closet, gab with your girlfriends and give back at the same time. It’s called the Diva Exchange.

“Diva Exchange is where women come and bring clothes out of their closet or shoes and accessories that they are not wearing and we swap them,” says creator Marian Bell.

Here’s how to host your own:

  • Invite all of your friends (and even their friends) to your house for cocktails and bites.
  • Charge a small admission fee ($5 or so) that will be donated to the charity of your choice.
  • Ask your guests to clean out their closets and bring any clothes that don’t fit or they’re tired of wearing.
  • Invite friends with home businesses to set up shop at a table at you party.
  • Have fun and swap clothes all night long!
  • At the end of the party, donate any leftover clothes to a local charity or shelter.

Very frugal thinking! Have a great day, Candy

How can I reduce my insurance premiums?

This is from the Ohio Dept of Insurance site:

How can I reduce my insurance premiums?

There are number of things you can do to reduce your insurance premium, such as:

1. Shop around!

2. Consider raising deductible.

3. Drive safely.

4. Make improvements to your home.

5. Add smoke detectors, alarm system, etc.

6. Live a healthy lifestyle.

7. Bundle policies. (for instance, you may receive discounts if you purchase your homeowners and auto insurance from the same company)

Insurance savings…. We decided to shop around for auto insurance. We have had the same company for 23 years and he has always been helpful but we thought maybe we could do better.. We have not had tickets or accidents. We had 2 daughters 21 and 18 on our insurance and with our oldest married we decided to shop around.

  • Call your current insurance company and see if they can discount your rates at all.
  • Ask if there are any discounts you may be qualified for like good student, multiple policies ( if you also have your home owners with them), If you pay monthly you also may find a discount.
  • My husband called 3-4 different agencies he suggests having a pen and paper handy for all the information they give you. Then you can compare each one.
  • When you find the best quote you can call your current agent and see if he can meet or beat the quote….ours could not so we switched and our saving over $1200.00 a year on car insurance and $500.00 a year on our home owners.

 

How do you save on Insurance?  Have a blessed day, Candy

How can I reduce my insurance premiums?

There are number of things you can do to reduce your insurance premium, such as:

1. Shop around!

2. Consider raising deductible.

3. Drive safely.

4. Make improvements to your home.

5. Add smoke detectors, alarm system, etc.

6. Live a healthy lifestyle.

7. Bundle policies. (for instance, you may receive discounts if you purchaseyour homeowners and auto insurance from the same company)

I Won’t turn the heat up

Where to begin to keep more money in your household. I like to keep the heat at 64°-68° Here are a few of the things we do.

  1. In the morning open your curtains and let the sunshine in….in the evening close them and keep the heat in.
  2. When windows are locked they also keep your heat in.
  3. Rugs on bear floors- bare floors are cold floors and rugs will warm the room
  4. Run our humidifier on low. Moist air feels warmer than dry air.
  5. When I was a kid my dad would say “what do you think I am heating the outdoors, Shut that door!”  Make sure to shut the doors when you enter or exit your home.
  6. Draft dodgers for doors or windows click  here for directions. I have a rug in front of each door in our home at night before you go to bed you can put the rug lapping over door and floor to help with drafts.
  7. Leaving the hot water of a bath of dishes keeps the heat in the room. Drain when the water cools
  8. Pop the oven a little when done cooking to let the heat out until it cools. Same with the dishwasher.
  9. Wear socks and a sweater
  10. We keep a throw blanket on the back of each chair and if you are cold you cover up.
  11. Close closet doors and keep rooms closed you are not using

How do you keep warm? I would love to hear, Candy

TV without Cable

Happy New Year! Every year since we got cable we would watch the Twilight Zone Marathon and this year as many of you know we got rid of cable some months back. We decided we were going to try to watch it through the computer on the TV. I had heard you can watch TV shows through your computer and watch them on the TV. I bought a S-video cord….Please keep in mind every computer is different and so you may need a different type of cord. I am happy to say we had a great family night and watch Twilight Zone all evening!

I was amazed all the different shows we could watch on the TV through the computer. Cable shows I enjoyed until we got rid of our cable. Most TV websites have the shows on their sites. You do have commercial like the TV, but My husband said “I don’t so much mind watching commercials since I am not paying for it” We paid for cable and still had to watch commercials…

This is also an idea if you lack time….you can watch a show you missed at a later date. Remember just because you don’t have cable you don’t have to be in the Twilight Zone you can be watching it!

Have a great day, Candy