Monday
Mar182019

How to Clean Vintage Dishes


Here are some easy, old school ways to clean your vintage dishes.

Clean and Shine China
 

A mixture of lemon juice and salt cleans and shines china. Just rub it on with a damp cloth and rinse. Wash china in water that’s warm, not hot. Water that is too hot can lead to crazing—small lines and cracks in the glaze. 
If your china is already crazed, don’t use it to serve food. Butter, fruit, cheese and cream can cause staining along the crack lines. 
If you have dishwasher-safe china, stagger plates of different sizes when loading it into the dishwasher. That way their edges won’t touch, and you’ll avoid chipping and scratches. 

Remove Brown Stains from China 
To remove stubborn brown stains on old china, rub on a solution of equal parts vinegar and salt, then rinse. 
Remove Tea and Coffee Stains from China Cups 

Wash your china cups, saucers and teapots as soon after using them as you can. If there is a tiny crack in the glaze, coffee or tea left there will leave a stain on the china. 

To remove coffee or tea stains from a cup, wet the cup with vinegar. Then dampen a rag with water, dip it in baking soda or salt and swab out the stain. 
Another treatment to remove tea or coffee stains on china is to apply 20% hydrogen peroxide, wash and rinse. (Regular household hydrogen peroxide is 3% strength. The 20% solution — available at pharmacies — acts as a bleaching agent.) 

Clean Gold-Trimmed Dishes 

To clean gold-trimmed dishes, first scrape them with a rubber scraper and then wash with mild dishwashing liquid. Never use an abrasive cleaner. If the mild dishwashing liquid isn’t enough to remove food from the gold trim, try rubbing the trim with a paste of baking soda and water applied with a soft cloth. 
Remove Metal Marks from China 

Never wash china in an aluminum pan or allow it to come in contact with aluminum in the dishwasher. Aluminum rubbing against china can create gray, pencil thin lines that are often impossible to get out. 
If a metal utensil does leave a mark on your china, gently rub the dish with a mild scouring powder or plastic scouring pad. Be careful to avoid rubbing off any decorative trim. 

 

Wednesday
Mar132019

10 Ways Bad Credit Can Effect Your Life

1. EFFECTS RELATIONSHIPS

Whether it's asking family or friends, asking for money to pay an emergency bill can lead to problems. Being late on a credit card payment will damage your credit rating. But being late on a promise to pay back a friend can ruin a relationship. It also effects marriages and is the #1 reason for divorce.

 

2. LACK OF ACCESS TO EMERGENCY CASH

Does your car need an emergency repair? Or your pet has gotten sick? Having a bad credit rating means you may not be able to access the cash you need in emergencies via loans, etc. Some people fall into using payday loans, which is a huge mistake.

3. HIGHER CAR INSURANCE RATES

Even buying car insurance can be effected by bad credit. Some car insurers have decided that there's a connection between on-time payments and reckless driving. They will increase rates or deny auto coverage accordingly. 

 

4. A STRUGGLE TO REFINANCE A MORTGAGE

The new banking rules have been applied that make borrower's creditworthiness even more critical to negotiating a reasonable interest rate for home loans. The ability to get a loan for home improvement can help you to be able to fix up your house to sell it, etc.

5. DIFFICULTY RENTING

Even just trying to rent an apartment, if landlords see late payments, bankruptcy, etc, you may not be able to rent. Some even just look at the credit score and don't allow potential renters to explain their situation ie. job loss, medical bills, etc.

6. NEGATIVE JOB PROSPECTS

As unfair as it may be, you can be denied a job due to a poor credit score. Employers are supposed to inform you if your credit is the reason you were not hired, but this is no consolation to any job seeker who really wants and needs to work. 

7. HIGHER INTEREST RATES

Even if you are able to borrow money, borrowers who are considered to be higher risk pay higher interest rates. This is especially true with car loans, with interest rates as high as 20% and up.

8. LOSS OF BASIC UTILITIES

Utilities regularly check credit before beginning service. If you have been late making payments — especially utility payments in the past — you might be required to pay a deposit in order to get service.

9. LACK OF DISPOSABLE INCOME

When all your money goes to bills and debt, there is a lack of money for extras--eating out, nice clothing, travel, books and electronics. The list goes on and on.

10. POOR QUALITY OF LIFE

Debt can hold you back from getting an education, which leads to a better job and better quality of life. Not to mention the stress of dealing with a bad credit situation.

 Source: Wisebread.com

Saturday
Mar092019

Free Kellogg's Cereal and More- Coupons

I got all this for FREE with these printable coupons- click below to get them!
Friday
Mar082019

Fun, Inexpensive Ways to Relax During a Rainy Day

When it rains, it can be enough to dampen our spirits. There are many ways to keep ourselves entertained, of course, but trying to find a means to keep ourselves engrossed can be just as tiresome. Rather than mope around, it is, however, best to keep yourself entertained.

Rather than seeing continual rain as a problem, try looking at it as an opportunity! Here are some ideas to help you enjoy yourself when the rain looks like it’s never going to stop.

Play games

Games do not have to be super expensive. There are many fantastic games across all platforms that can keep you entertained. If you have a Nintendo Switch, Cattails is an immersive game for cat lovers, whereas if you like stealth games, Thief on the PlayStation has your name written on it. On the PC, put down a bet here and there on the Unibet website. As long as you are mindful, there are ways to purchase games without spending too much money. Head to shops that deal in second-hand and pre-owned games, for instance.

Friends and family

If you’re bored with the weather and missing the chance to socialize, why not invite your friends or family around for a get-together? You could throw a lavish dinner party and try out your cookery skills, or just order in a takeout and watch a movie or a sports event on TV.

Catching up

If you’re stuck indoors, why not take advantage of the situation and catch up with some items on your to-do list? Maybe you’ve been meaning to redecorate the living room and never seem to get around to it, or you’re disappearing under a mountain of clutter that needs sorting out. On the face of it, these may sound more like chores than fun activities, but getting stuck into a project that’s been on your mind can be a great way to spend your time.

Not only will you achieve enormous satisfaction from getting these tasks completed, but you’ll find the process can be relaxing and enjoyable if you pace yourself and take your time. If you don’t have any household projects in mind, how about getting to work on that novel you always wanted to write, creating a website or blog, or starting to research your family history?

Take time for yourself

Let’s be honest; how much time do you spend looking after yourself? Do you make a point of relaxing properly every day, taking exercise, and pampering yourself? Now is the ideal time to try out some meditation techniques, have a go at yoga or Tai Chi, and practice some mindfulness. Positive Psychology Program discuss the benefits here. If you’ve never tried any of these activities, you’ll be amazed at how enjoyable and effective they can be, and there are hundreds of different techniques you can try.

Learning to look after yourself is an essential investment in your wellbeing and future health, so don’t think of it as a waste of time; you’ll gain far more by devoting even a small amount of time to self-care than by rejecting it.

If you don’t mind the wet weather, you can still get out and carry on with life, but everyone needs some time out of the rain. Instead of moping about what you can’t do, optimize your time by using it to achieve some personal goals, improve your wellbeing, and enjoy the company of your loved ones.

Saturday
Feb232019

Free $10 from Ibotta


Sign-up for a $10 cash bonus from Ibotta and earn instant cash rebates on products you’re probably already buying at your store using the free Ibotta App. 

Every week I use Ibotta to save money on my grocery bill. It really adds up!

Last week I got $17.50 cash back from Ibotta for my grocery purchases.

Check it out and let me know how much you get!

Includes gift cards to:

 

Friday
Feb012019

Netflix Valentine Secret Movie Codes

To use this trick, you'll need to be logged into your Netflix account on your PC, rather than your Smart TV or hand-held device. As you browse, you'll notice the URL at the top will look something like this: www.netflix.com/browse/genre/7852.

That little number at the end is the genre code, and you can pull up a lot of different genres just by changing it. 

Thursday
Jan172019

10+ Starbucks Money-Saving Tips and Recipes


Here are some Starbucks money-saving secrets!
  1. Sign up for a Starbucks card and all your customizations (flavor shots, soy substitutions) are free. Register it online, and then pay with your card each time (you can even link it to your bank account so it automatically refills), and you'll get a free drink of any kind for every 10 transactions. If you like to grind your own coffee, you also get a free tall coffee for purchasing a pound of coffee and a free tall drink of your choice for purchasing a two pound bag. And did we mention the free drink on your birthday? 
  2. Plus get free refills on hot or iced brew coffee and tea during the same store visit with a Starbucks reward card!
  3. Instead of pouring out coffee to make room for cream, order a small size but in a bigger cup.
  4. Bring in a coffee sleeve to be reused and get a $0.10 discount. You also get a $0.10 discount for bringing in a mug.
  5. Shop online. They regularly offer sales and deals.
  6. You can get 50 cent refills on coffee as long as you are still in the store.
  7. Check out the secret Starbucks menu.
  8. Make your own Starbucks favorites @ home!

Starbucks Lemon Loaf

Starbucks Vanilla Scone

Starbucks Oat Fudge Bars

Starbucks Banana Bread

Starbucks Passion Tea Lemonade Copycat

Starbucks Copycat Caramel Frappuccino

Starbucks Iced Coffee

Starbucks Valentine Frappuccino

Starbucks Love Bean Frappuccino

Starbucks Pumpkin Pound Cake Recipe

Starbucks Washington Apple Pound Cake Recipe

 

MORE COPYCAT RECIPES

9. Target stores that have Starbucks regularly clearance Starbucks mugs, coffee and more, especially after the holidays.

10. Don't forget to get your puppy a puppachino! It's a small cup of whip cream for a few dollars that your pup will love.

Friday
Jan112019

My Financial Resolutions

It's a fresh new year and this is how I am working on my weekly budget.

Financial New Year's Resolution #1: I resolve to not buy stuff I don't need

I've been there. You are in Target and there is 50% off Valentine's Day items and you see the most adorable heart frame. You have to have it, even though you have a stack of photo frames in your pantry. What do you do? Ask yourself if you are going to use it or give it to someone by the end of the year. If the answer is no, pass on it.

Resolution #2: I resolve to pay cash for my purchases

It's tempting to use credit cards on bargains, but what kind of bargain is it if you wind up paying 15% interest on the "bargain" purchase? To avoid using credit cards, plan your purchases ahead of time or control your spending by buying gift cards or only carrying cash to the store.

Financial New Year's Resolution #3: I resolve to think twice before ordering something online

Online shopping is a huge convenience and a money saver, but it can also be a huge temptation. No need to go out in the snow and ice, boot up your computer and there are tons of deals! One trick I've used is if I'm not 100% sure of a purchase, I leave it in my cart and come back to it later. More often than not, I forget about it and I've saved money.

Financial New Year's Resolution #4: I resolve to limit my stockpiling

If you stockpile and love it (like I do), this can be a hard Financial New Year's Resolution to keep. There are several reasons to limit it though. First, rodents and pests are attracted to packaged food. It can be very easy to buy a product (such as one that is grain-based) that already has the pest living in it and it will infest every package of food you have. There go hundreds, if not thousands, of dollars you've invested in your stockpile.

To avoid this problem, do not stock up on grain type food (such as cereal and flour), or limit it. Once a month, check your stockpile for pests and look at expiration dates to see if items should be thrown out. It's a good idea to rotate your stockpile as well to keep using the items. One way I make sure items are getting used is donating every few months to my church food pantry.

Financial New Year's Resolution #5: I resolve to get my overall finances organized

Whether it is picking up Quicken, organizing bills in a filing cabinet, getting ahold of what bills are due is essential. When bills fall through the cracks, then you lose more money with late fees and interest rate increases.

Financial New Year's Resolution #6: I resolve to not go crazy with coupons

When I first started using coupons, I clipped every coupon. If it was a good coupon week, I bought more than one paper. After a few months of this, it became too much work. I started focusing on only clipping those coupons I was going to use. I also paid attention to the items that were regularly on sale (such as Ragu) and stocked up on coupons for those products.

Financial New Year's Resolution #7: I resolve to keep better track of my rebates

Companies love when customers don't cash in rebates or forget to follow up on them. I've been tracking my rebates and other freebies I receive in Excel. In the spreadsheet I list the date sent, company name, dollar amount, company contact information and when I received the offer. Also, if you are sending away a big rebate (for example over $20), be sure to make photocopies and send it certified mail, return receipt. That way, you have proof they received it if you have to follow up on it.