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Frugal Living Tips, Issue #001
October 01, 2008

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 in.

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

2. Competition

3. Coupons.

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 tightly sealed.


2. Competition

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.

Click 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 Free e-book

by Renea Winchester Article from Dollar Stretcher

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 natural gas!

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 Comfort


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