Model City

It may take a bit more adjusting in the food area, as we all tend to have our favorite brands of food. You don't have to forgo all your favorites, but the more you change, the bigger the savings. Food & Toiletries * By far, making lunch at home is one of your biggest opportunities for saving! I made lunch and snacks and brought them to work. * Instead of buying shower gel, go back to soap bars. They last longer and are much cheaper. * Don't wash your hair every day, and when you do wash your hair, only wash it once. That saves lots of shampoo. * Make your own coffee at home -- or cut it out altogether and put that money aside in your financial freedom jar. One guru calls that the "latte factor." * As a nation, we eat out a whole lot more and buy convenience foods to just heat in the microwave -- but these can be expensive. Cooking may take time, but it does save you lots of money. * Buy generic! Seriously? They don't taste different from the name brand. Try it. Ok, some things may be non-negotiable, but you'd be surprised what is. Your grocery bill will go way down. * Take the effort to cut coupons, take advantage of sales, and go to discount warehouses, like Sam's Club or Costco. Heat & Electricity * If you don't already have one, get an electric thermostat with a timer, so you can change the temperature automatically during specific times of the day. Lower the temperature when the family is out of the house. * Use space heaters and lower the heat in the rooms you use. Use an electric blanket at night. * There is plastic covering you can get at the hardware store and cover your windows. That keeps the heat in the house. Frugal Homeschool Tips Home schooling can be a gratifying experience for the whole family. However, it can also be tough on your wallet. Frugal home schooling is becoming a popular term among the majority of families living on limited income or for those wanting to cut back on expenses. Below are several ways you can save money and still offer your child a wonderful education. The Internet is a valuable source that most families can't live without. From researching essay papers to curriculum, anything you need to search for is available online

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