It’s been 18 years since we published the very first reader-tip for Sand Art Cookies in Debt-Proof Living Newsletter. Basically, this is a canning jar layered with the dry ingredients required to make a batch of chocolate chip cookies. The layered effect is very attractive. Topping the lid with a holiday embellishment or round of calico fabric plus a tag giving the recipient instructions on how to prepare the cookies is the final touch.
Photo Credit: TheFrugalGirls.com
It took a few tries to get the recipe and the portions right. But I have to tell you that those Sand Art Cookie Jars were a major hit for me that year and many years since. Since then, we’ve published dozens of other ideas for “jar gifts” for everything from edibles to journals, sewing kits to emergency kits. Just about anything you can stuff into a canning jar has the potential to be a unique and practical gift.
General Instructions: Jar gifts are prepared in a wide-mouth, one-quart size canning jar unless otherwise noted. We recommend you get new jars for food items, or if you’ll be recycling jars be sure they are sterilized and always use new lids.
It is important that you measure the ingredients in a jar gift very carefully whenever a specific amount is given, erring on the side of scant. There will be occasions when you’re sure all of the ingredients will not fit, but they will. Continue reading
Automobile insurance. We spend thousands of dollars on it then hope we’ll never need it. By law and common sense we know that we must have it. But that doesn’t mean we should pay one dollar more for auto insurance than necessary.
SHOP AROUND. Rates between insurance companies can vary greatly. Call three different companies today and you’re bound to get three different quotes. There is nothing righteous about staying with the same company forever. An hour of your time once a year could net a handsome premium reduction. You can get quotes online from companies that sell directly, like Geico, State Farm and 21st Century. Compare with what you have and don’t be afraid to make a switch.
INCREASE DEDUCTIBLES. Remember this: The lower the deductible the higher the premium. You’re not likely to file a claim for a minor incident because that could make your premiums skyrocket. So if you’re not going to file small claims, think about increasing your deductibles to say $500 even $1,000. Then put the premium savings in a special account to pay for the fender-benders. One Florida couple that raised the deductible for their 2005 Volvo and 2003 Acura Legend from $500 to $1,000 cut their annual premium from $3,200 to $2,800–a decrease of 12 percent. That is significant. But they need to squirrel away those savings. If the worst happens they don’t want to feel compelled to use a credit card to cover the deductible. Continue reading
Dump and run. That’s the kind of slow cooker recipes I love. No muss, no fuss and no hovering over a hot stove to get dinner on the table.
As the days of autumn bring cooler weather (here in California we call “cooler” anything below 70F), I find myself thinking about hot soup. And having dinner all planned and taken care of ahead of time.
Want to join me? Great. Find your slower cooker, that will be the easy part. Deciding which of these soups to make for tonight’s dinner will be the greater challenge. Persevere. I know you can do it! Continue reading
Dear Mary: This may be the ultimate in stupid questions but it’s been plaguing me for a while. Is there any value in converting my existing 401(k) into cash without removing the funds from my 401(k). Do they even allow that? I hate losing all that lovely money as things dip and swirl. I would continue to contribute at my existing rate, 12 percent, including the company match of 3% for the 401(k). Symantha, email
Dear Symantha: Employer-sponsored retirement plans like 401(k) typically have a cash option within list of investment available to plan members. Look for a “Money Market” fund. If you move your account assets into that fund (which is perfectly allowable) the money is going to just sit there, not earning. It will be shielded from the wild swings in the market but will begin to lose value because you will not earn enough on your account to even keep up with inflation (currently about 3.3 percent).
The very nature of investing is that you expose money to reasonable levels of risk with the expectation of achieving a profit or gain. Not all of the choices in your 401(k) plan carry the same level of risk. Just remember that in order to achieve a reward you must be willing to take a reasonable level of risk. No risk, no reward.
The biggest problem with moving your account into a “cash position” is how will you know when to move it back into investment funds that will give you a chance of achieving a gain? A better idea would be to contact your plan’s administrator and make an appointment to meet with an investment counselor to assess all of the options you have in your 401k plan. This person can help you match your tolerance for risk against the options you have in order to find the most comfortable place for the money you are contributing to your retirement account. Continue reading
Have you ever wondered if it’s socially acceptable to split a restaurant meal? Today’s great reader tips include words of advice on that as well as clever ways to use “this for that.”
Split to save. I have found it’s possible to dine at expensive restaurants while still being a cheapskate. You can order an appetizer plus a small salad, and tell the server you want the appetizer as your main course. One person can order an entree and the other can order a large salad, then tell the server you want an extra plate so you can share. If this seems to be a strange way to order in an upscale restaurant, believe me, it isn’t. A friend of mine who is an experienced server has seen this many times. Sometimes there’s a charge for splitting an entree (the highest I’ve seen is $5.00). With huge portion sizes and today’s economy, it makes sense. It’s also okay not to order a beverage and drink water with a meal. -Marcia
Write on, wipe off. I am always thinking of things I need to do or buy while I’m in the bathroom getting ready for the day. But keeping a notepad in a room with so much moisture doesn’t work well. Instead, I use a wipe-off marker right on the mirror. I jot quick notes as I think of them. Then, when I’m ready to go, I transfer all my notes to paper and wipe them off the mirror. This routine keeps me from getting frustrated about not remembering something, and it keeps the mirror clean, too! -Leanne
Eyeglass cleaner. If you’re out when you realize your glasses or purse mirror needs cleaning, try using a drop of hand sanitizer to give you crystal clear results instantly. This works great on glass but should be tested on plastic. -Angelique T. Continue reading