Welcome to the first edition of Frugal Living Tips Monthly newsletter.
My name is Kate and I am the frugal person behind this website,
a one woman penny pincher.
I hope you will enjoy the newletters
every month , i will always have downloadable coupons for you
to save money with and a competition for you to enter, as I want
every edition to give you something back for subscribing.
Times are very hard at the moment and the economic crisis doesn't
seem to be coming to an end. in fact by the looks of things, it
could get a lot worse before it gets better. So now more than
ever being frugal and living within your means will be higher
on everyones agenda and thats where Frugal Living Tips. com comes
Please visit us regulalrly and submit your own duggestions
to help everyone during these difficult times.
I hope you come and visit us soon at Frugal-Living-Tips.Com
Until next month
Best Wishes Kate
1. Tip of The Month
4 Your Money
1. Tip Of the Month - Cold Cream Recipe
An inexpensive moisturiser for dry skin.
To make 8 applications.
1 egg yolk, beaten
2 tablespoons lemon juice
4flo oz / 115ml olive oil
4fl oz / 115ml vegetable oil
Beat the egg yolk and lemon juice togeather in a small mixing
bowl. Gradually add both oils, stiring constantly with a wire
whisk, until the mixture thickens. If it gets too thick, add more
lemon juice. The cream will keep for 2 weeks if refrigerated if
Every Month we hold a Best recipe of the month competition
where you can win a variety of prizes. this Month you could win
a 1GB Memory Stick.
Simply Submit your recipe with any serving suggestions
to us here and we choose a winner every month. All the recipes
will feature on the website.
here to submit Your Recipe
3. Free Downloadable Coupons
These are just some of the coupons you can download for free
this month. Click on the image to see the full range avaiable.(Please use Internet explorer to view coupons.
4. Your Money - Lowering Your Natural Gas Bill
by Renea Winchester Article from
One phone call could reduce your winter heating bill
Each month I watched helplessly as my natural gas bill hovered
dangerously close to three hundred dollars, a bargain compared
to other parts of the country, but outrageous when living on a
budget. I was paying $1.279 per thermal unit, or "therm."
However, a survey of my neighbors revealed their natural gas rates
varied from $1.30 to 98 cents per therm for essentially the same
I contacted the natural gas companies in my area. Then with monthly
statement in hand, I called the company currently providing natural
gas for my home. I explained that I was comparison-shopping and
quoted my neighbor's rate of 98 cents per therm. Then I asked
if they could match their competitors
per therm price. After all, I had been their loyal customer for
decades. The customer service agent placed me on hold while she
checked with her supervisor.
While she checked I calculated. At the current $1.279 per therm
rate using 230 therms a month, my bill would be $294 each month,
or $3,528 annually. If the company agreed to reduce my rate to
98 cents per therm, I could save over $800 per year. If not, I
would transfer to a new provider. After
all, $800 is a lot of money. The savings of switching to a new
gas company far outweighed any inconvenience I might encounter.
A few minutes later she returned to the line. She explained that
the company could not match the competitor's rate, but quoted
me a new rate of $1.029 per therm. If interested, I could lock
in this rate for a year. However, if I cancelled service before
the one-year anniversary, I would be charged an
early termination penalty fee of $250. While this wasn't my asking
price, I quickly agreed to the lower thermal unit rate, especially
since I have no plans to disconnect natural gas from my home
In less than five minutes, I saved approximately $650. I think
it was time well spent.
Renea Winchester is a writer who resides in Roswell, Georgia.
Her work received the Appalachian Writers Association Award and
has appeared in "Gardening How-To" and "A Cup of