In This Issue

· Ten Signs of a Bad Contrator

· Easy Steps to Building Great Credit


· Let There Be Light - But Not Heat or Cold

· How Much Homeowners Insurance Do I Need?

· How to Renovate Intelligently

· Pumpkin Carving Tips

· Safety Tips for Parents, Trick or Treaters, & Homeowners

· Seasonal Suggestion

· Past Issues: September, August, July, June,

Monthly Quote

“Bring forth the raisins and the nuts-/Tonight All-Hallows’ Spectre struts/Along the moonlit way.”


-John Kendrick Bangs
(1862-1922), American poet, humorist and author
Tip Of The Month
If you ever find you have a clogged sink (which you inevitably will), the first step will be to try a drain unclogger. There is a wide range of chemical drain uncloggers available in any supermarket or hardware store. You simply pour the product in the drain, wait a few moments for it to dissolve the blockage and then flush the drain with running water to clear the blockage completely.

Keep in mind, however, that chemical drain uncloggers are not necessarily environmentally safe and may cause damage to plastic or rubber parts of your sink, or may cause injury if the cleaner splashes onto your skin or into your eyes. A kettle full of hot, boiling water poured down the drain is a non-toxic solution to clearing a clogged sink. Other alternatives include removing and cleaning the trap, using a plunger or using a drain auger, or snake.

 

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Seasonal Suggestion

It’s that time again: there’s a nip in the air, leaves are changing color, stores are carrying Christmas decorations. Yes, it’s almost Halloween! Halloween, however, is the first in a long series of holidays, and you may already be dreading the strain on your finances. There are some easy ways to save a little money by being creative with costumes and candy.

First, when trying to think of yet another great Halloween costume for your child that won’t break the bank, consider the following inexpensive, creative options:

  • Gift - A box and some gift wrap are all you need to make this costume. Simply take a large box, large enough for your child to “wear,” and cut holes in the top and the sides for his or her head and arms. Then – you guessed it – wrap the box in gift wrap and attach a ribbon. A matching bow on your child’s head will make the costume.
  • Tacky Tourist - This is a clever costume that can be made out of things you probably have lying around your house (or local thrift store). Dress your child in a Hawaiian shirt, shorts, sunglasses, hat, sandals, and black socks, add some tourist “accessories,” such as a camera, a large purse or bag, a layer of white sun block (white face paint will be the most lasting) and some tourist brochures or maps to carry or have peaking out of pockets, and you have a funny (but realistic!) costume!
  • Cat (or pig, unicorn, cow, etc.) - Sweatsuits are available in a variety of colors, and you can adapt any one of them into an animal. A black sweatsuit can make a cat, a pink one a pig, etc. Simply add the finishing touches, such as spots, tails, horns, snouts, ears or stripes, and your animal is ready for trick-or-treating!

You can also save money on Halloween by paying some attention to what you are going to hand out to the ghosties and ghoulies at your door. Candy bars freeze well for several months, so if you happen to see a good sale in July, August or September, you can stock up on cheap candy for Halloween. Also, you might consider handing out an alternative to candy, such as toys or pencils, which are very inexpensive at many dollar stores. Finally, instead of allowing trick-or-treaters to grab a handful of candy, hand out one or two pieces of candy yourself. Happy haunting!

(Source: Frugal Living for Dummies, by Deborah Taylor-Hough, Wiley Publishing, Inc., 2003)



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