Sunday, April 17, 2005

Prescription Price Assistance

The Partnership for Prescription Assistance brings together America’s pharmaceutical companies, doctors, other health care providers, patient advocacy organizations and community groups to help qualifying patients who lack prescription coverage get the medicines they need through the public or private program that’s right for them. Many will get them free or nearly free. Its mission is to increase awareness of patient assistance programs and boost enrollment of those who are eligible. Through this site, the Partnership for Prescription Assistance offers a single point of access to more than 275 public and private patient assistance programs, including more than 150 programs offered by pharmaceutical companies.

Medication Assistance

Friday, April 15, 2005

Frugal Gardening Tips

Hello and Welcome!

In this week's issue Living on a Budget in a Non Budget World
Money Saving Tips
Featured Article Frugal Garden
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Top Secret Recipes

Read this issue at:
Frugal Living News

Enjoy! Best of luck in your savings


Wednesday, April 13, 2005


With gas prices going through the roof, people may start to look at car pooling options. Also with car pooling, in most areas you are able to use the carpool lanes which cuts down on travel time.

Of course use your head as well! Make sure you check out the people that you want to carpool with.

Sunday, April 10, 2005

College Financial aid blunders

Mistakes were made
We asked experts to name the financial aid blunders families tend to make. Here are the top 10 and how to avoid them
By Megan Barnett

The easiest way to come up short on financial aid is to not apply, a mistake that about 25 percent of undergraduates make. "A lot of people assume they won't qualify if their next-door neighbor said they didn't qualify or if their parents think back to the way it worked 25 years ago," says Mark Kantrowitz, publisher of, an online resource for financial aid
Continue Reading

Financial Aid Secrets

Enjoy your savings!

Menu planning week of Apr 10th

Another busy week! Still working on a batch of frozen waffles. I got to make some banana muffins this week. Oatmeal every other morning. Lunches tend to be peanut butter sandwichs for the kids, mac and cheese or yogurt.

Sun Sloppy joes on rolls, homemade roasted potatos
Mon Chicken legs, mash potatos, green beans
Tues Leftover sloppy joes with rice, diced tomatos, baked beans
Wed Ham Calzone
Thurs Pork Sirlon in the Crockpot
Fri Clean out the fridge night or Spaghetti
Sat Homemade pizza

Menu and Recipe ideas

Saturday, April 09, 2005

Tax Tip: You can make a IRA contribution for 2004 until Apr 15

If you haven’t contributed funds to an Individual Retirement Arrangement (IRA) for tax year 2004, or if you’ve put in less than the maximum allowed, you still have time to do so. You can contribute to either a traditional or Roth IRA until the April 15, 2005, due date for filing your tax return for 2004, not including extensions.

Be sure to tell the IRA trustee that the contribution is for 2004. Otherwise, the trustee may report the contribution as being for 2005, when they get your funds.

Generally, you can contribute up to $3,000 of your earnings for 2004 or up to $3,500 if you are age 50 or older in 2004. You can fund a traditional IRA, a Roth IRA (if you qualify), or both, but your total contributions cannot be more than these amounts.

You may be able to take a tax deduction for the contributions to a traditional IRA, depending on whether you — or your spouse, if filing jointly — are covered by an employer’s pension plan and how much total income you have. You cannot deduct Roth IRA contributions, but the earnings on a Roth IRA may be tax-free if you meet the conditions for a qualified distribution.

You can file your tax return claiming a traditional IRA deduction before the contribution is actually made. However, the contribution must be made by the due date of your return, not including extensions. If you report a contribution to a traditional IRA on your return, but fail to contribute by the deadline, you must file an amended tax return by using Form 1040X, Amended U.S. Individual Income Tax Return. You must add the amount you deducted to your income on the amended return and pay the additional tax accordingly.

Publication 590, Individual Retirement Arrangements (IRAs), has more information. Download Publication 590 or order it by calling toll free 1-800-TAX-FORM (1-800-829-3676). Taxpayers needing this or any other IRS publication should act soon to be sure they have the item in time to meet the April deadline.


Publication 590, Individual Retirement Arrangements (PDF 449K)
Form 1040X, Amended U.S. Individual Income Tax Return (PDF 123K)
Form 1040X Instructions (PDF 45K)

Friday, April 08, 2005

Life without health insurance can be costly

NEW YORK - When Arnaud Durieux needed to get his teeth fixed about six months ago, the freelance Web designer caught a flight from New York to his native France. Since he has no health or dental insurance, he figured this was his best option to get good care at a good price, even factoring in the cost of the airplane ticket. The French dentist charged him about $500 for the crown, compared with the $2,000 he says it would have cost him in New York. Continue Reading

Thursday, April 07, 2005

Make your own baby wipes

Make your own baby wipes is way to cut down on the baby costs. I don't use this all the time (I get lazy) but when I am running low and wish not to make a run to Walmart (which has the cheapest baby wipes BTW). I still got two in diapers and we got through lots of wipes.

1/2 roll of paper towels (Bounty or Brawney works best)
2 tbls of baby oil
2 tbls of baby bath
2 cups of water
Cut roll of paper towells in half, remove center cardboard, mix liquid ingredients, pour on top of paper towels,

Place in large container with lid.

FREE stuff for any Mother or Father-to-be!

Enjoy your saving!


Tuesday, April 05, 2005

Which should I pay off first? Car or Credit Cards

Q: My husband and I recently got our tax refund of about $5,000. We have a car loan with about $5,000 remaining and about $3,700 in credit-card debt.
Which one would be better to pay off? We are hoping to purchase a house next year and want to improve our credit score.
— Christine, Pennsylvania

Continue Reading

Enjoy your savings!

Sunday, April 03, 2005

Your frugal fridge

Your Frugal Fridge!
by: Cyndi Roberts
Now that it's summer, most of us start thinking about keeping our electric bill in bounds!

One way to do that is to keep your refrigerator and freezer, if you have one, running efficiently.

Be sure to vacuum the condenser coils on your refrigerator at least once a year. You may have to pull your appliance out from the wall to do this, but when the coils are dusty, it keeps the fridge from cooling efficiently.

If you have an older fridge, check the door gaskets to make sure you have a tight seal and aren't losing cold air around the doors.

Another "small" thing you can do: when you are putting away your groceries after a trip to the store, gather all your items for the fridge in one place. Then you can open the refrigerator one time and put everything inside.

If you don't have a frost-free freezer and there's more than 1/2 inch of frost built up, it's time to defrost. You can speed up the process by setting pans of hot water inside. Never use a knife to try to dislodge the frost and never use a hair dryer to melt it. Water and electricity do not mix!

Now that it's clean and defrosted, keep your freezer efficient by filling empty spaces with old milk jugs filled with water. These jugs also make good ice blocks for your picnic cooler!

Another good use for these jugs of ice: set one on the kitchen counter in the morning. As the ice melts, your children can have ice water to drink without opening the refrigerator door.

One last thing to remember, when there's lightning around, it might be safer to just unplug your fridge and freezer. Food in the freezer will stay frozen for up to 48 hours if the door is kept closed. Food in the refrigerator will keep up to 24 hours.

About The Author
Cyndi Roberts is the editor of the bi-weekly newsletter "1 Frugal Friend 2 Another", bringing you practical, money-saving tips, recipes and ideas. Visit her online at to subscribe

Menu Planning week of Apr 3rd

We are starting busy season with various sports and activities... so menu planning is a must.

Sun Spaghetti with meatballs
Mon Chicken Enchildas
Tues Pork chops, and potatos
Wed Crockpot Chicken Stragnoff
Thurs Ham Calzone
Fri Leftover chicken stragnoff
Sat Homemade pizza

We have been made about going out to eat on Saturday. Doing takeout.

Menu and Recipe ideas

Enjoy your savings!

Friday, April 01, 2005

Do you want to be a stay at home parent?

Hello and Welcome!

In this week's issue Living on a Budget in a Non Budget World
Money Saving Tips
Featured Article Make Staying Home With Your Kids a Reality A Six Month Plan
Top Conversations on the Money Saving Forums
Freebie and Contest Alerts
The Frugal Five
Grocery Savings Tips: The Pricebook

Read this issue at:
Frugal Living Newsletter
Enjoy your savings!