Don’t run out to the convenience store to pay three-times the value of ketchup next time you run out. Just make your own. You can make most condiments right at home, often for less than you would pay to buy them, even on sale. 
Whether decorating a first home, or altering the appearance and character of an already existing home, many people hope to do so with as much imagination and with as little monetary investment as possible. Some may need to economize out of necessity, while others just enjoy the challenge of decorating creatively without breaking the budget. In addition, of course, there are those who are concerned about the environmental impact over-consumerism has on our planet and try to decorate with that in mind.
While some helpful tools are making it easier to avoid scams online, some of us still fall prey to deals that look sweet but turn out sour. The con man, flimflam man, rip-off artist, scammer and cheat have always been with us. The ways of scamming may change, but the intent is the same. They want your money.
In the past building roofs were either a light colored or a dark colored roof. The light colored or "cool roof" was supposed to reflect the sunlight beating down on the structure and keep the building cooler, lowering the energy bill. However, in the winter months the heat escaped which caused a rise in the energy bill. In contrast the dark roof trapped the heat in the summer raising the energy bill, while in the winter the heat was held in lowering the energy bill. In other words either way you were stuck with a high bill at some point. But now there is a end in sight to this dillema.
Did you know that Americans throw away $75 billion dollars in food every year? It's true. According to a University of Arizona study on US Food Waste, the typical American family discards 14 percent of the food purchased in a year, which usually amounts to about $600. That's bad practice for cash-strapped families. Much of the waste is due to confusion over food safety. Sell-by dates and expiration dates can confuse consumers.
Scrapbooking is a fun craft and a beautiful way to showcase family photographs for future generations. But for many of us, it’s just too expensive. Just a stack of decorative papers can cost $20. Stamps can go for $50. Cutters for hundreds. So what’s a frugal family photographer to do? Find ways to make beautiful scrapbooks for next to nothing. This fun and meaningful hobby doesn’t have to cost a lot. Sometimes, you can do it for free!
Rubber bands, often acquired for free when they come wrapped around produce or newspapers, can be found in many households just hanging around in a drawer or wrapped around a doorknob waiting for an opportunity for a second life. These days, there are probably 100 or more Silly Bandz® hanging around your kids room. Any day now, they'll be "so last week." Put that forgotten fad to work in your home with some creative ways to re-use rubber bands and save some money in the process.
Many individuals and families have been hurt by recent events in the economy and job market and a lot of those hurt has been the older segment of our society. Many of these "seniors" have had to quit working earlier than planned due to job loss and being unable to find other employment and have perhaps been somewhat unprepared for their premature reduction in income. Others hurt by the poor economy are those who have already been receiving Social Security benefits but who are struggling with the increase in housing costs, as well as in food, gas, medical, and other living expenses. In many cases, seniors aren't aware of what is available to them in financial assistance and help. The following are a few money saving tips that may help seniors cope with day-to-day expenses.
In today's economy everyone wants to save money. One of the the biggest budget entries for some is the cost of commuting. The good jobs are in the city, but the affordable living remains in the suburbs. That leaves many of us in a position with three choices, none of which seem like a good idea. We can drive an hour or more in highway traffic, drive to the commuter parking lot and take public transportation, or share a ride with someone. When it comes right down to actual dollars and cents there is a best choice, but many of us find the mst affordable option so unpleasant, we'd rather spend the extra money.
According to MarketWatch, approximately one-third of couples site finances as the most stressful part of their relationships. A shocking 91% of Americans try to avoid talking about money with their partners. No wonder half of divorces attribute money as the cause. If we can’t talk about the problem, we can’t fix it. And when times or tough, communication is the key to emotional survival. Here are some marriage survival tips to help you keep your promise to love each other through both good times and bad. 
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