Best Inexpensive Cordless Handheld Vacuum

To say that I have had a love/hate relationship with handheld vacuums for many years would be to put it mildly. I love the idea of a handheld cordless vacuum that is charged up and always ready to make a quick pick-up—in fact, that’s pretty much on my list of life’s necessities.

But I hate when the thing runs for only a few minutes before it needs to be recharged and has such weak suction it really doesn’t do a very good job of picking anything up. It’s enough to make me want to pull my hair out!

I’m sure it’s been 30 years or longer since I got my first handheld Dustbuster. It would hold a charge for maybe two minutes if all the stars were properly aligned and I held it in just the right position. And the thing completely failed after only a short time—refusing to hold any charge at all.

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How to Stop Unwanted Charity Junk Mail Plus Annoying White Lint in Dark Dryer Loads

According to one online organization working to eliminate junk mail, the average adult receives 41 pounds of junk mail each year—44% of it going to the landfill unopened. Sadly, much of it is from charities that are doing good in the world—all of them vying for our charitable donations.

Dear Mary: You recently wrote about paper shredders, which made me think about all the unwanted address labels my mother receives from charities. She has made a few donations other the years, and is now bombarded with unwanted mailing labels, cards, calendars, books, you name it. Some of the stuff you can give or throw away, but what do you do with all the labels? If you try shredding them, they jam up your shredder.

I’ve tried writing “Refused, Return to Sender” on the envelopes, but the post office refuses to send them back, ignoring my refusal. Any ideas on how can you get this type of mail stopped or getting rid of all the address labels? Peg

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Secret to Growing Wealth: Automate!

This is a Book Reivew by Jeff Tompkins, Jr.  The opinions expressed herein are the reviewer’s own and meant only for informational purposes.

The Automatic Millionaire by David Bach

Reviewer: Jeff Tompkins, Jr.

Let’s face it, unless you’re a Marine, you’re probably not that crazy about the word “discipline.” It smacks of rules and constraints. Most of us just aren’t that keen to always do even those things that we know are good for us. Particularly in our financial lives. We know we should save more, spend less, invest smarter. We should be disciplined in these areas to achieve financial security.  So how do we get disciplined? According to the The Automatic Millionaire, by David Bach, we automate .

Bach focuses first on the idea of paying ourselves first. By this he doesn’t mean setting aside a couple of twenty dollar bills under your mattress each payday.  That would require discipline and the central theme of The Automatic Millionaire is that no one is disciplined enough to regularly save that way. Instead, Mr. Bach argues that the only way to get around our lack of discipline is to automate paying ourselves first, effectively taking our lack of discipline out of the equation.

Automating ones savings is becoming more and more prevalent in a tech-dominated world. It’s automatic, because once you set it up you don’t have to do a thing each month for it to continue putting funds into your 401k account or other savings vehicle. It’s the first money out so before you do any spending at all, you are saving.

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Dinner-in-a-Box is Not at All What I Thought!

Over the past year or so I’ve been hearing a lot about a new way to get dinner on the table. Every month or so another one of these meal kit delivery services would contact me to give it a try.

Seriously? Who in their right mind would trust seafood, meat and produce from some unknown assembly plant, piled onto a loading dock then moved into the back of an unrefrigerated FedEx truck for who knows how long and until some delivery guy leaves it on the porch?

The whole idea sounded ridiculously expensive, if not just plain gross. I didn’t need to test the obvious so I did what comes all too naturally for me: I jumped to conclusions. Turns out I was way off base and so wrong. Today I’m here to come clean and set the record straight.

Several weeks ago I casually mentioned the meal kit option for super busy households. I had just started testing one of these meal kit services. I determined that Home Chef is the least expensive and invited two other families to help me test. I set out to get a true, unbiased picture of how this works and what it’s all about. I needed honest, real-life feedback.

One of my testers was a young bachelor in California—a very picky eater with limited cooking skills. The other, a local family of four with two children ages 7 and 2.

We have been preparing and eating Home Chef dinners now for about six weeks—each of us receiving the minimum order of two dinners (2-servings each) delivered once weekly. None of us came into this with any meal kit experience. We had no idea what to expect.

(By the way, Home Chef is not aware that we’ve been testing. I set up our accounts and have covered the cost of all the meals and delivery during the testing period.)

I could write chapters about every detail of our Home Chef experiences, but in the interest of time and space, I’ll cut to the chase: Home Chef has greatly improved our lives—as varied as our lifestyles and situations are. It is an amazing service. Nothing about it is gross (I’m so sorry I even thought of that as a possibility). In fact, the food arrives fresher than meat, fish, seafood and produce at my local supermarket. It is high quality and did I say fresh?

Home Chef uses some kind of space age gel packs that are still frozen hard upon arrival. Even if that box sits on the porch all day, those packs remain frozen, but the food is never frozen arriving at exactly the right temperature to maintain flavor and safety.

Home Chef does a terrific job of delivering amazingly fresh ingredients and offering a variety of dishes. All of us have loved the meals—even the picky bachelor and equally picky 7-year old.

Each meal requires about 30 minutes of preparation. We can change our delivery day, adjust our meals, skip a week or pause our accounts whenever we need to. And there are no contracts involved, which means we can cancel anytime. The food is amazingly delicious, too. In six weeks, not one regret was reported.

Here’s how it works: You join (cancel anytime if you want). You sign up for the number of meals you want in the week and the number of servings. Then you choose your meals from 13 different options (they change weekly). You can tailor meals to your dietary needs including low-calorie and low-carb and more.

The cost for Home Chef is $9.95 per serving. Shipping is free for orders over $45; $10 for orders less than $45. I have done my best to compare Home Chef costs against the cost to buy the exact same ingredients at my local supermarket. While it’s not easy to quantify the cost of say one tablespoon of white balsamic vinegar (at least with Home Chef I don’t have to buy the entire bottle to get the bit I need), I’m surprised that Home Chef does not cost more than what I would spend for the same exact ingredients locally. This investigation comes to a very similar conclusion.

Based on what our test group experienced collectively, here is what you can expect from Home Chef:

  • You will most certainly improve your culinary skills and repertoire. The food is amazing.
  • It is SO much fun, and never gets old opening the box to see what’s for dinner.
  • You will surprise yourself as you prepare recipes you might otherwise skip over in a magazine or cookbook.
  • Your kids and other family members will surprise you when they are willing to try new things and then end up enjoying food items they’ve never tried before or were certain they hated!
  • The ingredients are, for the most part, fresher, higher-quality and generally better than you might find at your average chain grocery store. The meals are amazingly delicious.
  • You will notice your refrigerator has more room because it’s not a repository for leftovers (that sit there until they turn green).
  • Home Chef serving sizes are surprisingly generous (2-servings were adequate for the testing family with two kids who are light eaters).
  • Your children will get engaged with the process. Because every ingredient is perfectly portioned, labeled and ready to go, older kids and teens can get involved in making dinner.

All of us are impressed with Home Chef, so much so that none of us will be cancelling the service anytime soon. Home Chef has changed our lives in different ways, and all without increasing our food costs. In fact, Harold and I have spent less for food since joining Home Chef.

You can check it out HERE. And when you get to that page, you’ll see that I’ve arranged for you to get a $30 coupon should you wish to give Home Chef a test run. I can’t wait to hear about your experiences!

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8 Wedding Gift Hacks

Wedding season is in full bloom and while tying the knot is getting more expensive for the bride and groom, attending a wedding is becoming costlier, too. In fact, a survey from American Express reveals that it now costs on average $539 to attend a single celebration.

Gifts take a big bite out of every guest’s budget with average spending ranging from $75 to $175 per person, according to The Knot Registry Survey. Relieve the financial pressure by saving on the gift with these eight tips.

Compare prices on registry items. It’s wise to reference a registry to see what the couple wants, but it’s even smarter to compare prices among stores. Online retailers like Amazon and Overstock sell popular registry brands for less than most high-end stores.

Use discount gift cards. If you’re planning to give a gift card or you’re buying an item off a couple’s registry, save money by purchasing discount gift cards from GiftCardGranny.com. The site offers gift cards for less than face value, like a $100 Macy’s gift card for less than $80.

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The True Value of Simple Time- and Money-Saving Tips

For more years than I like to admit, I’ve been collecting and disseminating timesaving and money-saving tips. Readers e-mail them to me, hand them to me on little scraps of paper and even send them in the mail. Some are hilarious, others downright weird. And the very best ones show up in this column.

I will admit that not all of my favorite tips could single-handedly turn a person’s financial situation from red to black. Or free up hours every day. Take the tip for sharpening scissors, which is right now in my personal top 10: Tear off a length of aluminum foil. Fold it in half three or four times to create multiple layers. Now cut several times through all those layers with your dull scissors. They’ll be sharp as a razor in no time at all.

My common sense told me such a tactic would make slightly dull scissors totally worthless. But I was wrong. This tip really works, and it works so well I offered up my good dressmaker’s shears to its power.

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Prepare Today for What You Might Need Tomorrow

Face it. People are simply living longer than ever before and health care costs are climbing higher every year. Which brings me to the subject of long-term care. You might assume that’s just about nursing homes, but it refers to more than that. Long-term care means getting the assistance you need at home as well.

You could live to 100 and never need long-term care. You could end up needing assistance in daily living long before retirement, or you could fit somewhere in between. Maybe your knees go. Or your eyes. Or you become a little too forgetful. No one likes to think about it, but the human body is not built to live forever. You need to be informed and prepared.

Long-term care insurance usually covers the costs for care that aren’t picked up by regular health insurance or Medicare. If you need assistance to properly feed, clothe or bathe yourself, long-term care insurance could pay the bill, depending on the type and amount of coverage you buy. But because it’s expensive, long-term care insurance isn’t typically a product lower-income individuals are able to afford.

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Super Quick and Easy Valentine Sweets and Treats

Let me break this to you gently: Valentine’s Day is next Tuesday. This is Friday. Get the picture?

Thankfully, there’s a big beautiful weekend between now and then—plenty of time to make a few of these fabulous treats and sweets!

Mini pies in a jar.  Could there be a better gift for co-workers, neighbors, friends, teachers and any number of other people than a single-serving, mini pie in a small jar? I think not! I have detailed written detailed instructions including recipes here:  The Perfect Small Gift: Pie in a Jar. It really is quite easy and the results are fabulous! I’ve been making these adorable single-serving pies for some time now, and it really is so much fun. Who can resist a small pie in a jar, right?

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