Prudent and Practical

June 30, 2009

Summer Flowers A’blooming

Filed under: life — Tags: gardening, home, random — K @ 10:35 PM

It was a beautiful day Sunday so I decided to take some photos of the yard.  Please excuse my first attempt at “garden photography!”

Our daylilies have started blooming, even a stray that ended up in the would-be compost heap.  The yellow cultivar is ‘Going Bananas’, which from what I understood from the tag is the improved version of ‘Happy Returns’.  It has bigger blooms and sets flowers for a longer period of time.

going bananas daylily1 112x150 photo Summer Flowers Ablooming

going banans daylily2 150x112 photo Summer Flowers Ablooming

The pink/mauve one are ‘Always Afternoon’.  To save money on plants for our retaining wall, I purchased 3 pots of daylilies and one pot of iris.  I was able to split them before planting and covered almost the entire area with them.  They looked pretty bad last fall after they were planted, but they came back and are doing wonderful!  D is especially happy since he saw how small and chlorotic they looked last fall.

always afternoon daylily2 150x112 photo Summer Flowers Ablooming

always afternoon daylily 150x112 photo Summer Flowers Ablooming

We also have a small rhubarb, garlic, and then the iris’s that haven’t started blooming yet.  Can’t wait for my lavender to get bigger next year!  It’s so puny right now…

small rosemary plant1 112x150 photo Summer Flowers Ablooming

First time growing garlic.  We love garlic and can’t wait to try our homegrown bulbs!

garlic plants4 150x112 photo Summer Flowers Ablooming

I will definitely need to divide that hosta next spring!

hostas1 150x112 photo Summer Flowers Ablooming

iris lavender sedum plants 150x112 photo Summer Flowers Ablooming

I just bought this little rhubarb this year at the annual Master Gardener’s spring sale.  So far with the garlic right there and the occasional cat living under our deck, I haven’t had any pest damage!  I did recess a tuna can in case I needed to flip it over and fill it with beer to get rid of the slugs, but amazingly haven’t had to do so yet.  Wondering if it has anything to do with it being a slightly raised bed.

rhubarb 150x112 photo Summer Flowers Ablooming

Cute, stray daylily.  Probably ‘Happy Returns’.  And my terribly weedy “garden” I keep putting off cleaning.  May always comes and goes so fast!

stray daylily plant1 150x112 photo Summer Flowers Ablooming

June 26, 2009

How to Make a Free Compost Bin with Pallets

Filed under: Headline — Tags: DIY, free, home improvement, natural, projects — K @ 12:49 PM

3 years ago I tried to build a compost bin out of 4×4′s and 2×4′s – big mistake!  I only made one panel because it ended up being so heavy so I gave up on the idea.  That following year D and I finished installing our 40 foot long retaining wall and we had quite a few pallets sitting in our driveway.  These were something that our hired dump truck would not take away.  About this time we had slowly started thinking more “green”.  I wanted a compost bin now and had talked D into one.

Basically we made two attached topless cubes using 9 pallets.  We had some snow fence, so we stapled that to all pallets to keep the compost better contained, but I have seen some pallet-compost bins without the snow fence and they’re doing just fine. All pallets were screwed together except the front pallets and bottom pallets.  We attached the front pallets with some twine so we can easily pull them off and flip the compost.  We just left the bottom pallets unattached – you may opt to not even have a bottom; we just put them there because we had extra pallets.

Here are a couple of the photos!  If you have any questions, don’t hesitate to ask!

As requested, here are the tools needed:

  • 9 pallets
  • All weather screws – we used 12
  • Drill
  • Fencing (snow, geogrid) – if using
  • Stapler – to attach fencing if using

Where to find pallets:

  • Big home improvement stores (Lowe’s, Menard’s, Home Depot, etc.)
  • Grocery stores
  • Warehouses
  • Shipping / transporting companies
  • Electronic stores (Best Buy, Staples, Office Max, etc.)
  • Subdivisions/where homes are being built
  • Craigslist
  • Put out a “wanted” listing in your local newspaper
  • The Wooden Pallet Recycling Exchange

Remember to talk to a manager and also find out if you can have them for free.  Some places may charge you for them since it cost them money.

Now that you have your compost bins, what do you do with them?  Read the next article in composting to find out!

June 23, 2009

Easy Ways to Reduce Unwanted Mail

Filed under: Featured — Tags: manage, online, random, reading — K @ 9:48 PM
NEW YORK - MAY 20:  In this photo illustration...
Image by Getty Images via Daylife

When I went to retrieve the mail today, I could hardly get it all out of the mailbox.  A small sample that I had requested had finally showed up, but that wasn’t the problem.  Five magazines and catalogs were jammed in there.  That’s enough.  I’m tired of getting coupons and offers that are enticing me to spend money on things I don’t need!  The ones that immediately come to mind are AmericanTV, Guitar Center, Home Decorator’s Collection, Country Curtains, and JCPenney.

I went to Catalog Choice and let these companies know that I don’t want their mailings.  They do the hard work for you and the service is free.  Currently there are 1,138 merchants that participate in the program.  If a company does not participate, Catalog Choice tells you know how to contact the company directly.

If you’re worried about missing out on your favorite products and deals, there’s also an option to search through a few iCatalogs – catalogs available on the Catalog Choice website.

So then what do you do about unwanted credit card offers?  These guys usually send you a postage-paid envelope.  I’ve read about someone who sends back the envelope with nothing in it or a note to stop sending mail.  Some companies will stop after you send back the first envelope, while others will take a few empty envelopes to get the point across.

So go check out the site.  Send back some envelopes.  Get rid of some mail so you don’t have to keep throwing it away and wasting your time reading it.

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June 20, 2009

Father’s Day is Tomorrow!

Filed under: saving money — Tags: entertainment, holidays, shopping — K @ 12:47 PM

I know it’s getting down to the wire, but I thought I’d mention that Father’s Day is tomorrow.  I usually get D a little gift and a card.  I really don’t like how the industry pushes holidays on us consumers.  It’s makes us spend more money and feel stressed.  I read somewhere today that the average amount spent on a Father’s Day gift is $87 ! (And in case you’re wondering, the average Mother’s Day gift was over $130.)  For me $87 is too much.  Then you add in the card and then the cards for the other men in your life (think husband, son, father, spouse’s father, grandfathers on both sides) and you can see why people have so many money problems around the holidays.  So here I have some ideas for you!

Dollar stores are great for decent inexpensive greeting cards.  This is the second time that I’ve shopped at a dollar store for them.  They don’t look cheap either.  I went to Dollar Tree just to see what their selection was like.  I walked out with 5 cards and spent only $2.56!  Their cards are $0.50 to $1 each.

Think about what kind of hobbies your favorite guy is into.  Guys that like to cook might like a new grill utensil, an oven mitt or apron with their favorite sports team’s logo, a mortar and pestle for grinding herbs, or maybe some gourmet organic spices.  Other popular hobbies include fishing, hunting, and cars.  My dad likes Carhart stuff because it lasts a long time – he wears it to work, hunting, and for yard work.

The gardening man – It’s a little too late to order them now unless you do a belated Father’s Day gift but mushroom spawn are a very unique idea.  They can be purchased for about $10+shipping.  More desirable mushrooms (think morels and top of the line gourmet mushrooms) are more expensive at $30 and up.  He might also enjoy a trip to a pick-your-own produce farm.  Otherwise, since it’s summer, many home improvement and garden centers are running deals on plants and gardening tools.

The business man – I’m not too sure about this guy, because I don’t know any business-y type men.  The traditional gift would be a tie.  These are pretty reasonable at Kohl’s and JCPenney’sDesigner pens would be another option.  And if the guy has a lot of  little gadgets, maybe he needs a charging valet.  These start at $15.  Pricier options may include a power strip.

The movie man – This would be my D.  Movie tickets are the obvious choice.  If you have movie nights-in, you could purchase “movie theater” candies at your grocer or a small popcorn popper ($15-$30).  If he has a theater room, find him some movie posters to hang up.  If you go to theaters ahead of time, they may be willing to give you their outdated cardboard movie stands or hanging ads (if you have a lot of room to spare!).  I knew a teacher who worked a second job at a theater – since the theater just throws the outdated move stuff away, she took some of the stands and decorated her classroom with them!

Maybe he likes personalized items.  Personalized bar items like mugs, shot glasses, and flasks are easily found online because they’re popular groomsmen gifts.

Make dinner for the guy or take him out to eat – save some money too!.  If you want to do something extra, take him for bowling or billiards, to a bar that hosts local bands, or to a movie.

Donate money to a charity he would support.  Visit Charity Navigator to search for charities by category.  Another thing that comes to mind is “adopting” (sponsoring) an animal at a wildlife refuge, nature center, or local animal shelter – the money helps to pay for that specific animal’s food and care for a given amount of time.

If you’re still not sure what to get him, the answer could be a gift card.  I do this with my dad, the man who has everything, when I run out of unique ideas or time.  And if you’re not sure what store to get the gift card from, go with cash, a visa gift card, or even an eBay gift card.  I go the eBay route because he loves bidding on items.

Maybe he’s the guy that doesn’t care about these types of holidays – let him sit on his butt with a drink and the remote.

So now take some time and let that special guy know how much you mean to him… without spending a lot!

If you need some more ideas, here are some more suggestions:

  1. Top 10 Cheap Father’s Day Gifts
  2. Top 8 Frugal Father’s Day Ideas
  3. Cheap Father’s Day Gifts Under $30
  4. 11+ Cool (Cheap!) Father’s Day Gift Ideas
  5. Make Your Own Father’s Day Gifts
  6. 10 Last-Minute Father’s Day Gifts for Under $50

PS – If you’re wondering what I got D… I got him a hot air popcorn popper with some “movie theater” candies.

June 18, 2009

Top Remodels During a Recession

Filed under: saving money — Tags: discounts, home, home improvement, projects, shopping — K @ 1:09 AM

A few months ago Kiplinger’s magazine talked about what you should do to improve your home in the recession.  It wasn’t that you get a large return for the specific improvement – it was that the price of the main material has gone down during this slow time.  So without further ado, here are the top remodels to do during a recession according to Kiplinger’s:

1. Replace the roof – According to Kiplinger’s the price of asphalt has been falling lately.  While researching this, another site states the opposite, that the cost of liquid asphalt has increased 90% in the past year.

2. Repave your driveway – The price of asphalt is apparently falling, but unbeknownst to Kiplinger’s may have increased.

3. Upgrade vinyl siding – The price of petroleum-based vinyl fluctuates with the oil prices.  Lower oil prices mean more affordable siding.

4. Add a deck – Kiplinger’s states that lumber costs have declined 5% over the past year.  Since the publication, the US Department of Labor, Producer Price Index has showed that lumber has dropped even more (6-7%) over the past year, meaning a 38% decrease since 2004.

5. Replace or add insulation – Prices are down 2% and are a reflection of the current housing slump.  In addition, you may qualify for a tax credit, which would help to defray the cost, too.

The funny thing is:  although the prices have gone down on construction costs, these projects are still very expensive, with insulation possibly being the cheapest.  We’re still talking $1000′s unless you do some of the work yourself.

D and I got new blown cellulose insulation when we moved into our home.  Even during the housing boom (early 2006), the insulation was decently priced.  We have looked into having the other projects done over the past couple years.  Even with prices dropping, we don’t want to spend all the money to get the “big ticket” projects done, especially since we’ve been thinking about moving for a while.  We met with a realtor last November who told us that it’s not worth it to spend the money to get a new driveway and siding installed – we’d need to live here at least another few years to see any kind of return on it.

  • If you’re interested in the cost off fuel, asphalt, and steel, New York state’s DOT has compiled a list of prices from January 2006 through last month so you can see the fluctuations for yourself.  Construction Magazine has also compiled bi-monthly reports of Design Cost Data from metals to sheet rock and the construction materials in between.
  • And a little lesson — before doing a major renovation, do your research.  The prices are fluctuating constantly with the economy.

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