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frugal living: saving money on Automobiles

Automobiles

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frugal living:  Saving Money on Babies

Babies

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frugal living: saving money on baby showers

Babies Showers

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frugal living: saving money on beauty

Beauty

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frugal living: saving money on children

Children

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frugal living: how to be a better parent

Children and Parenting

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frugal living saving money on children and schooling

Children and Education

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children's fairy tales

Children's Fairy Tales

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frugal living: saving money on cleaning

Cleaning

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Clipart

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frugal living: saving money on clothing

Clothing

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frugal living: saving money on clutter

Clutter

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frugal living: saving money on computers

Computers Electronics

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frugal living: saving money cooking

Cooking

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frugal living: saving money decorating

Decorating

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frugal living: saving money on emergencies

Emergencies

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frugal living: faith based articles

Faith Based

 

Articles

frugal living: saving money on food

Food Savings

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frugal living: saving money storing food

Food Storage

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frugal living: saving money with food substitutions

Food Substitutions

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frugal living: saving money gardening

Gardening

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Happiness

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frugal living: saving money on healthy living

Healthy Living

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frugal living: health and weight control

Health and Weight

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frugal living: saving money on health and stress

Health and Stress

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frugal living: saving money on hobbies

Hobbies

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frugal living: saving money on quilting

Hobbies Quilting

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frugal living: saving money on scrapbooking

Hobbies Scrapbooks

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Frugal Living: Saving Money on Holidays

Holidays

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Frugal Living:  Saving Money on Christmas

Holidays Christmas

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Frugal Living: Buying and Selling Homes

Home  Exchanges

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Frugal Living: Home Staging

Home  Staging

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Frugal Living:  Home Maintenance

Home Maintenance

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Frugal Articles

Frugal Living:  Saving Money on Home Remodeling

Home Remodeling

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Frugal Living:  Saving Money on Home Security

Home Security

 

Frugal Articles

Frugal Living: Saving Money on Jobs

Jobs

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Frugal Articles

Frugal Living: Ebay, Buying and Selling on Ebay

Jobs
Ebay

 

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Frugal Living: Saving money in the kitchen

Kitchen

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Frugal Articles

Frugal Living:  Saving money on laundry

Laundry

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Frugal Living: Money Management

Money Management

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Frugal Living: Budgeting

Money Budgeting

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Frugal Living:  Credit and Debt

Money Credit Debt

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Frugal Living: Identity Theft

Money Identity Theft

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Frugal Articles

Frugal Living: Morgages

Mortgages

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Frugal Articles

Frugal Living: Saving Money on Pets

Pets

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Frugal Articles

Frugal Living: Saving money on Recipes

Recipes

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Frugal Living:  Saving Money Recycling and Going Green

Recycling Going Green

Frugal Tips

Frugal Articles

Frugal Living:  Saving money on retirement

Retirement

Frugal Tips

Frugal Articles

Frugal Living:  Saving Money Shopping

Shopping

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Frugal Articles

Frugal Living:  Saving money by Simple Living

Simple Living

Frugal Tips

Frugal Articles

Frugal Living:  Time Management Clock

SL and Time Management

  Frugal Articles

Frugal Living:  Saving Money on Utilities

Utilities

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Frugal Articles

Frugal Living: Saving Money on Vacations

Vacations

Frugal Tips

Frugal Articles

Camping:  Saving Money Camping

Vacations Camping

Frugal Tips

Frugal Articles

 

 

 

The Power of
Compound Interest

dollar sign clipart representing compound interest

Here is a chart to show how savings grow over time. 

Invest the following money monthly, and using the average stock return of the last 10 years, here is how much money you will have after 30 years.

 
8% $50/mo $75,015
8% $100/mo $150,000
8% $150/mo $225,000
8% $200/mo $300,000
8% $300/mo $375,000

Calculator

 

 

 

Frugal Fun

WillhiteWeb.com

Frugal Living;  Eric Willhite camping, hiking and vacationing with children weblink

Your Online
Resource for
Hiking, Climbing
and Travel

- Travel abroad
- US travel
- Mountain
  climbing
- Hiking and
  climbing with
  children
- Camping with
  children
- Traveling with
  children

 

 

 

Frugal Living Help

 

 

 

 

Frugal Free Coupons

120240-0110-6SqrIC

 

 

 

Frugal Living and Making MoneyFree Frugal Money  Maker

 Cash for Surveys

Survey Savvy

    Frugal Living       Thrift       Saving Money        Penny Pinching

 

 

 


 

 

 

 

 

Inspirational and Happiness Articles Index for Frugal Happy Families
 

clipart picture of a red rose for inspiration and happiness

Happiness

Change
Friends
Patience
Persistence

Adversity

Conflict
Emotions
Overcoming Obstacles
Positive Thinking
Problem Solving

Attitude

Example
Humor
Patience
Positive Thinking
Perseverance
Self-Confidence

Choices

Enjoying Life
Happiness
Making Decisions
Positive Thinking

Love

Charity
Love and Compassion
Kindness
Romantic Love
Self-Esteem

 

 

 

Frugal and Free Clipart

Frugal Living:  Free Clipart

Clipart Index

 

 

 

 
Cooking Measurements


Tablespoons

3 tsp =   1 Tbsp

2 Tbsp = 1/8 cup

4 Tbsp = 1/4 cup

5 Tbsp + 1 tsp = 1/3 cup

8 Tbsp = 1/2 cup

10 Tbsp + 2 tsp = 2/3 cup

12 Tbsp = 3/4 cup

16 Tbsp = 1 cup (8 ounces)

Cups

1 cup =  48 tsp

1 cup =  16 Tbsp

1 cup =    8 ounces

2 cups = 16 ounces

2 cups =  1 pint

4 cups =  2 pints

4 cups =  1 quart

8 cups = 64 ounces

8 cups =  4 pints

8 cups =  1/2 gallon

Quarts

1 quart =  32 ounces

1 quart =   2 pints

4 quarts = 128 ounces

4 quarts = 1 gallon

Pounds

16 ounces = 1 pound

 

 

 

 

 

 

 

 

 

 

 

 


On the Lighter Side

Keep Smiling

picture of a squirrel

"A true friend is someone who thinks you are a good egg... even though he knows you are slightly cracked."

 

 

 

 

 

FRUGAL Living and How to Have Frugal Fun

Frugal Living Tips and Frugal  Living Articles for
Frugal Happy Families 


  Search Frugal Happy Families by Keyword Below

Nikki Lynn Willhite, webmaster of frugalhappyfamilies.com

Webmaster Nikki Willhite
aka The Housewife Hoodie

Editor's Corner

Subject:  Faith Based

Honest Living in a Dishonest World

 by Nikki Willhite  

a bouqet of pretty roses

 

When I was young I was taught that you shouldn't lie. When I got older I was taught to be honest in my business dealings.

Honestly always seemed like it was a virtue that made you a better person. It was something to strive for.

Now I am wondering how many people feel that way today?

As I was eating my lunch today, I turned on the television and watched a few minutes of The Home and Garden Network. The program that being aired was an episode of David Bromstad's show Color Splash.

In the show David was remodeling a kitchen. As part of the process, he decided to replace the kitchen cabinets. He went on the Internet, found some he liked, and ordered them.

When they arrived, he found that the glass in the doors was not what he expected. It had a tiny pattern that he did not like.

He went back on the Internet to look at the cabinets again, and saw that he missed it. He had been in a hurry when he ordered the cabinets, and had not looked closely enough at the picture.

So he called the store to see if they had any doors in stock that he could exchange for the ones he had picked up.

I guess he didn't want the trouble of taking back and exchanging the whole cabinets, because he told the store that he just wanted to exchange the doors.

What he said was that he only wanted to exchange the doors, and not bring back the cabinets, because the cabinets were "already installed."

To my amazement, as he said this he turned to the camera and winked.

Everyone watching the show knew that this wasn't true. Hence everyone knew that he was lying.

What are we suppose to learn from this? Does winking make it okay to lie? Is it okay to lie if it makes life easier for you? HGTV- what were you thinking?... more
 

 

webicon for new  New Frugal Living Articles on the Site

Frugal Recipes - No-Bake Chocolate Oatmeal Cookies  Easy cookies you can make on the stovetop.

Inspirational - Advice That Will Never Let You Down, by Steve Goodier    The value of ethics and a quote by John Wesley

Frugal Clothing - How to Dress Thin, by Nikki Willhite    Tips on how to dress to look thinner.

Frugal Cleaning - How To Remove Mildew From Fabrics, by Nick Vassilev   A few ways to remove mildew from clothing.

Frugal Recipes - Tangy Angel Food Cake A quick angel food cake recipe using a boxed mix and an orange juice and cool whip topping.

Frugal Clothing - Retro Style Dresses: How to Dress Like Mad Women, by Mark Etinger   Some fun ideas to dress vintage style.

Frugal Decorating - How To Decorate A Formal Dining Room, by Lori Gilder    10 tips on how to decorate dining rooms.

Frugal Recipes - Frozen Pineapple and Cranberry Fruit Salad A quick frozen fruit using canned cranberry and crushed pineapple.

Frugal Moving - How to Cut Costs on Your Next Local Move, by Stephen Daniels   Tips to save money making a local move.

Frugal Pets - Children and Pets, by Nikki Willhite    How to choose a family pet, how to prepare children for a pet, and which pets to avoid.

Frugal Health and Stress - 5 Easy Tips To Prevent Stress, by Lam Bong     5 easy things to do to reduce stress.

Frugal Recipes - Stir Fry Zucchini    An easy stir fry recipe for zucchini, flavored with lemon juice.

Frugal Organization - Space-Saving Ideas for Small Kitchens, by Eva Judge    Ideas to make more space in small kitchens.

Frugal Recipes - Chili Casserole, by Nikki Willhite    An easy recipe for chili casserole using canned foods and tortilla chips

Frugal Education - First Day Of School, by Lily Morgan    How to prepare your child for the first day of school.

Frugal Recipes - Pork and Potatoes Casserole  A fast way to make pork chops in the oven with cheddar cheese soup.

Inspirational Humor - Won't Power, by Steve Goodier    A humorous story about a man on a diet that illustrates how you need to say no to yourself to change your behavior.

Frugal Recipes - Poppy Seed Noodles
An easy recipe for a noodle side dish.

Frugal Decorating - Lighting up with Lamps, by Nikki Willhite    How to choose lamps that are aesthetically pleasing for your rooms.

Frugal Weight Control - The Pros and Cons of Weight Loss Surgery, by Patricia Strasser    The advantages and risks of bariatric surgery.

Inspirational- Yogi Berra: A Role Model of Positive Living and Being Happy, by Nikki Willhite    The positive attitude and example of Yogi Berra.

Frugal Clutter - Top Family De-Clutter Tips, by Jennifer Gruskoff     Tips for families to get organized and rid of clutter.

Frugal Recipes - Strawberry Pie Recipe    A quick recipe for strawberry pie, using a prepared graham cracker crust.

Frugal Recipes - Lemonade Pie  A fast and easy recipe for lemonade pie using a purchased graham cracker crust.

Frugal Automobiles - Driving Economically: Tips, by Kirsten Hendrich    A few ways to use your car less and more efficiently.

Frugal Recipes - Vegetables and Beef Casserole  A beef and frozen vegetable casserole with a refrigerated biscuit topping.

Frugal Stress - Stop Stressing - Don't Look Back, by Larry Tobin     How to move ahead and leave behind any stress factors in your life.

Frugal Vacations - Simple Ideas to Get Organized for Travel, by Alicia Rockmore & Sarah Welch    How to plan a trip or vacation so that it goes smoothly.

Frugal Camping - 7 Tent Camping Safety Tips, by William F. Gabriel    Tips to stay safe when you are camping.

Frugal Clothing - Buying Clothing for Children that Lasts, by Nikki Willhite     How to recognize quality children's clothing.

Frugal Recipes - Homemade Salad Sprinkle Mix A spice mix to sprinkle over salads.

Frugal Utilities - Save on Electricity Bills: Ten Tips That Will Save You a Fortune, by Bernard Brown    How to cut your electric bill.

 

Frugal Recipes - Peach Crisp Recipe 
An easy recipe for peach crisp using canned peaches and granola.

Faith Based - Dealing with Aging Parents, by Nikki Willhite    Some tips on how to care for your parents when they are older.

Inspirational - When Others Suffer, by Steve Goodier    How kind words can make all the difference when someone is hurting.

Frugal Home Maintenance - You and Your Gutters, by Nikki Willhite    The importance of maintaining your gutters and what can happen if you do not do it.

Frugal Kids - 4 Great Activities for Kids, by Eddie Prentice    Activities include making a hot air balloon and obstacle course.

Frugal Money - 7 Ways To Beat The Debt Collector, by Terry Rigg    Personal finance advice to manage your money.

Frugal Recipes - Easy Meatballs  A fast and easy meatball recipe using a stovetop stuffing mix.

Frugal Weight Control - Four Guidelines To Avoid Dangerous Diet Plans, by Jordan Wilson     How to diet safely and which diets to avoid.

Frugal Recipes - Easy Fish Fillets  
Quick and easy baked fish fillets.

Frugal Cleaning - Easy Ways to Keep Your House Cleaner, by Nikki Willhite    Tips to keep your home cleaner and avoid potential problems.

Frugal Home Security - Basic Landscaping Tips and Guide to Improve Your Home Security, by Jared Wright    How landscaping your home can either deter or encourage burglars.

Frugal Recipes - Easy Tamale Pie, by Nikki Willhite    An easy recipe for tamale pie using a jiffy cornbread mix.

Faith Based - Happiness - It's Not About Me, by Nikki Willhite    How sacrifice makes you happy and the story of the heroes of Air Florida Flight 90 and Arland Williams.Frugal

Shopping - Great Bargains at Thrift Stores and Yard Sales, by Monica Resinger    Some of the bargains to look for at thrift stores.

Frugal Recipes - Cream Cheese Veggie Dip    An easy recipe for vegetable dip with cream cheese and horseradish.

Frugal Children - 5 Tips On How To Stop Bed Wetting, by Steven Chang  
Some tips to help children stop wetting their beds.

Frugal Parenting - Compliment More; Reprimand Less, by Steve Goodier  
The parenting skill of complimenting children to help them to their best.

Frugal Recipes - How to Make a Really Quick Banana Cream Pie, by Dennis Weaver    Banana pie basics, including recipes for black bottom and chocolate banana cream pie.

Frugal Simple Living - Simple Living and Reminder Organization, by Nikki Willhite     Tips to stay organized when you get older.

Frugal Beauty - Anti-Aging At Home With Self Made Masks, by Lindelle Jones    Some recipes for homemade facial masks.

Frugal Recipes - Bacon and Hash Brown Casserole A tasty potato casserole suitable for breakfast or dinner.

Frugal Pets - Tips for Taking Pictures of Your Pet, by Autumn Lockwood     How to take great pictures of your pets.

Frugal Recipes - Simple and Unique Salad Recipes, by Patrick Carpen   
Recipes include Spinach and Cranberry Salad, Broccoli Salad, Pear and Pecan Salad and Pistachio Fruit Salad.

Frugal Home Maintenance - Managing Mold and Mildew in Your Home, by Nikki Willhite    How mold and mildew form, and how to remove them.

Frugal Clothing - How to Pick Fabric Color for a Dress, by Alison Wood     Some tips on choosing clothing colors.

Frugal Cleaning - Taking off Shoes at the Front Door, by Nikki Willhite    Why you should remove your shoes before entering your home.

Frugal Cooking - Cooking with Onions, by Nikki Willhite    How to buy, store and use onions.

Frugal Clothing - Modest Fashion: How to Dress Modestly, With Pride, by Mark Etinger   Some tips on how to dress modestly.

 

 

 

 

Frugal Living:  Learning Sign

"Even a stopped clock is right twice a day"

  Frugal Ideas and Tips

Did You Know....?

Tightwad Tidbits

picture of a cut tomatoTomato soup can substitute in recipes for other tomato products, such as tomato sauce, whole tomatoes, or tomato paste, by adjusting the liquid in the recipe. 

 

 

 

 

Frugal Living Inspiration

A dollar saved is of more value than a dollar earned. If you earn a dollar, by the time it gets to you (after taxes, etc), you may only see .50 cents. However... if you save a dollar, and spend it wisely, it may be worth $10 or much, much more.

 

 

 

 

FREE EZINE for FRUGAL LIVING HELP and MORE

Frugal Living: Free Ezine Frugal Happy FamiliesFrugal Happy Families

Do you know how to make a cake without eggs? 

Do you know the difference between country and cottage decorating?
Are you stressed?  Do you want to be more happy?

All this and more in the Frugal Happy Families Ezine,
delivered to your mailbox each week. 
Frugal Living Inspiration, but more than just money!

To Subscribe, just send a blank email to 
frugalhappyfamilies-subscribe@topica.com

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Financial Calculators for Frugal Living

Mortgages

Should you refinance your mortgage?
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Amortization schedule calculator
Payoff your Mortgage Early Calculator

Loans

Calculate your payment on any loan
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Saving Money

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Frugal Living:  Money Management
 

 

Budgeting

Budgeting 101: A tool to start your budgeting process
Holiday spending worksheet
Should your spouse work, too?

Children

What is the cost of raising a child?
What will it take to save for a college education?

 

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Frugal Money Savers - September 2010

Articles

Food

Sales

Inspiration

Clipart

Back-to-School Clothes Shopping,
Buying Clothing for Children that Lasts
Gift Ideas for Teachers
Presents for Teachers
Sending Your Toddler to Preschool
Cinnamon Butter 
Delicious Sandwich Fillers
Funeral Potatoes
Homemade Hamburger Helper
Quick and Easy Dessert Recipes

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The art is not in making money, but in keeping it

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