Dee

Making prepayments on a home loan (sometimes called a "mortgage") can be a powerful way, under the right circumstances, to save. But there are drawbacks. PROS: * Gives you free-and-clear ownership of your home sooner. * Saves thousands of dollars of interest expense. * Increases equity in your property. CONS: * Prepayments reduce your liquidity. * You may earn more by investing than by prepaying. * Other borrowing is probably costing you more.

Use for storage of sewing supplies or anything else.

Take an old fabric shower curtain. Cut out the top to fit around your neck. Glue velcro to both sides. You have a hair cutting cape.

Here are five questions to ask yourself before buying anything that costs more than $20: 1. Do I really have a need or compelling use for this? 2. Could I just as well borrow or rent it, for less? 3. If I really do need it and borrowing it is not feasible, can I afford to pay for it with cash? 4. If I can, do I already own something that would serve just as well? 5. If I don't have anything that will do the job, do I know for a fact that I have found the best value? Have I really checked around enough to know? If your prospective purchase passes each of the above checkpoints, still WAIT 24 HOURS before making the purchase (unless it's an emergency, of course). With this system, you will save money on many items that you would buy largely on impulse, without sufficient thought

Don't throw out those leftovers! Use leftover pork and beans to make an open-faced sandwich. Put the beans on hamburger bun halves or bread, top with a slice of American cheese and broil until the cheese starts to bubble and is melted.

I am coming to your house for dinner Momo..yummmmnnn

Leftover meatloaf- chop it up in chunks and use it in spaghetti sauce for meatballs.

A quick way to make garlic butter is: A quick way to make garlic butter: Simply take the butter out of the fridge, cut and 1 cm cubes, then peal a few garlic cloves. Take 1 butter cube and 1 garlic clove and put them into your garlic press. It only takes a squeeze to make a perfectly manageable, soft garlic butter in seconds.

Tips for cooking beans. When cooking beans,any additional ingredients, such as acidic substances, such as lemon juice, vinegar, tomatoes, ketchup or wine, should be added at the end of the cooking time, since acid makes the beans firm. You could add a packet of seasoning after the beans are tender, as adding it too soon can inhibit the cooking process.

Steam your veggies by Simply placing a colander over a pan of boiling water, tip prepared veg in and put a lid over the top for 10-12 mins. The veg will be cooked and crunchy but be careful as the colander will be hot!

CHICKEN AU GRATIN CASSEROLE 1 quart green beans 1 cup diced, cooked chicken 10-3/4 oz. can cream of chicken soup 1/4 cup water Salt and pepper to taste 2 cups soft bread crumbs 1/3 cup butter, melted 1/2 cup grated cheese Place green beans and chicken in a casserole dish. In a saucepan combine soup and water and heat to boiling. Pour over chicken and season to taste. Combine bread cubes, butter and cheese. Toss lightly and sprinkle over chicken. Bake at 350° for 30 minutes or until golden brown. Money saving Menu for the week of April 21 to April 28 Monday- Turkey Burgers Corn on the Cob Home made Chocolate Pudding Tuesday- Roast Chicken Legs Mashed Potatoes Tomato and Cuke Marinated Salad Baked Apples with cinnamon crumb topping Wednesday- Spanish Rice Green Beans Jello with fruit Thursday- Pancakes Eggs Applesauce Friday- Tuna Noodle Casserole Peas Home made Chocolate Cake Saturday- Spaghetti with Meat Sauce Garlic Bread or toast Steamed Zucchini Cantalope and watermellon slices Sunday- Ground Turkey Loaf Sage Stuffing Cranberry Sauce Sweet Potato Chunks roasted in the oven with Marshmellows, pineapple and a touch of brown sugar, Steamed Broccoli Low fat Pumpkin Bread with a light cream cheese icing April 15 menu. Monday: Grilled Hot Dogs French Fries Tossed Salad Cantalope Slices Tuesday: Pork Chops and Saurkraut Mashed Potatoes Corn Applesauce Wednesday: Spaghetti with meat sauce Roasted Green Beans Garlic Bread or toast Jello with fruit Thursday: Roast Chicken Legs Baked Potatoes Asparagus Chocolate Pudding Good Friday: Fish Fillet Sandwich A Bowl of Manhattan Style Clam Chowder Apples for dessert Holy Saturday: Macaroni and Cheese Roasted Carrots Fresh Fruit EASTER SUNDAY: BAKED HONEY HAM WITH PINEAPPLE SCALLOPPED POTATOES CANDIED SWEET POTATOES LARGE TOSSED SALAD POTATO ROLES BAKED BEANS and for dessert STRAWBERRY SHORTCAKE Baklava (Low Fat Low Cal Version) Search Related Coupons Categories: Ethnic, Desserts, Low-cal Conversion Calculator Yield: 35 servings Rating: not rated Description: 1/2 lb pistachio nuts, shelled, ground 3 tb sugar 3/4 ts cinnamon, ground 1 1/2 tb rose water 1/2 lb filo dough 1/2 c margarine, low-calorie, melted 1 x rose water syrup 1 x cloves, whole, optional Directions: This rich-tasting baklava contains half the amount of sugar and a fraction of the fat you would normally use, thanks to reduced fats, sugar, and nuts. The results will fool anyone. Combine pistacho nuts, sugar, cinnamon and rose water in small bowl. Using half of filo sheets (cover remaining with plastic wrap to prevent from drying out), place 3 sheets in bottom of lightly greased 13x9 inch baking sheet. Brush with some of margarine. Sprinkle evenly with nut mixture. Place remaining sheets over nut filling, brushing after every third sheet and top sheet. Cut baklava at 1 1/2 inch intervals diagonally to form pattern of about 35 diamond shapes. Bake at 400 degrees F for 25 minutes or until golden. Place on wire rack to cool. Drizzle rose water syrup evenly over top and allow to soak several hours. Stud each diamond-shape with whole clove.

A large Chef Salad Italian Bread home made Cantalope is on the menu for today. Simple and Sweet

Its going to take 74 days to get the book in at my library from what the librarian told me. How old is the book? Usually they have copies of everything so this surprises me. How about picking an alternative book for those of us who can't get the book right away Dee? It would be appreciated.

God Bless You Dee! I always wanted to have a football team but the Lord gave me a beautiful 19 Year old daughter who he wanted back, To watch over me and my boys.. Cappy, The pup and the cat. I couldn't have children after I had my daughter but that was just as well because I always had a flock of her friends over at the house so my house was filled with alot of commotion...I miss it but I feel to old to start over again and raise children. Not my cousins though who are the same age as I am. Last year they adopted an 8 yr old girl from Russia and then adopted her 5 year old brother and he came to the Country at Christmas. I have to give adoptive parents alot of credit. Sometimes I see the ads on tv for the Christian Childrens Fund or other places and I want to adopt but then I think long and hard about the responsibility involving raising a child . So I say God Bless You.

You will see stars Cappy if you don't wear your jacket home from work this afternoon! LOL. I don't want my pudum to catch cold no matter how nice out it is.

Thats another great idea Twi...Thanks for posting it!

Old fashioned Doilies in good condition make great artwork, Frame them on a colorful mat board, and hang them on your wall.

Use colorful toy building blocks as handles on children's dressers.

Isn't Edna Luscious!

Use the tabs on aluminum cans to hang pictures. Just tack them to the back of the frame, or glue on with a hot glue gun.

You'll be much more likely to tackle the daily garden chores if your ready to go with all your tools. You'll need two plastic buckets. These can usually be found for free or for a minimal cost at the local donut shop or bakery. I use one of the 2-gallon plastic buckets for storing my hand tools. Inside my bucket, I keep my trowel, a small hand rake, a large spoon, a pair of garden shears, a pair of garden gloves, my kneeling pad plus a few plastic grocery bags for pulling weeds or for gathering the harvest. A 5-gallon plastic bucket is great for collecting weeds in the garden. When the bucket is full, transfer the weeds to the compost pile. If you have an old piece of garden hose, cut off two small sections, slit the hose lengthwise and slip it around the thin, metal handles on you buckets to make them more comfortable to carry. Need to take a break? Flip the 5-gallon bucket upside down and use it for a chair.

HEINZ KETCHUP- A BIG THUMBS UP I won't buy any other Ketchup. I had purchased in the past other brands and off brands of ketchup but Heinz has always turned out to be the best. I buy it when its on sale and stock up on it.

Cost Cutters and FANTASTIC SAMS- A HUGE THUMBS DOWN on these places for discount hair cuts. First of all I don't think they are so cheap and second of all for the times I have gone there to get my hair trimmed and shaped I have shown the beautician what kind of cut I want and every darn time I come out looking like a country singer with really big hair. AAAARRRRRRRRRRRRRRRRGGGGGGHHHHHHHHHHHHH!!!!!! The beauticians are inexperienced unless you beg for the senior member manager at these places and then you still don't get the cut you want.

Suave Shampoo's- THUMBS UP! Suave products are not only great but they are economical as well. I save money when I buy Suave and it makes my hair nice and shiny and clean. CVS and the Dollar Trees sell bottles of these products for under one dollar. If you have coupons you can get them for nothing or next to nothing.

Caffeine free diet Mountain Dew- THUMBS UP! I have been waiting for this soda because I love Mountain Dew but couldn't handle the caffeine or the sweetness. Its a great product. I will buy it again.