Homemade Liquid Hand Soap

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This post is by Bernie Carr, apartmentprepper.com I tend to get itchy, chapped hands so I wanted to see if I can make an inexpensive liquid hand that is gentle and non-drying.  I am a big fan of Dr. Bronner’s Liquid Magic Soap, as you can see from this review.   So I used the soap bar version as a base for my liquid hand soap.  Here is what I did. Ingredients: 1 bar of soap – I used Dr. Bronner’s […]

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Part 2- Single Mom and Fixed Income Solutions!

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Part 2- Single Mom and Fixed Income Solutions!

Part 2- Single Mom and Fixed Income Solutions
Dane… “The Gunmetal Armory” Audio player provided!

This show is a continuation of last weeks Budget Prepping Show. I had my wife co-host with me, and multiple listeners have requested that she comes back, so we’re gonna team up and do part 2.

In part 2, I will cover my usual intro, product of the week, announcements, and any Ask Dane questions and then we are going to go thru the rest of the extremely long list of preps we made.

Continue reading Part 2- Single Mom and Fixed Income Solutions! at Prepper Broadcasting Network.

8 Skills You Can Learn on Weekends

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This post is by Bernie Carr, apartmentprepper.com Being prepared and becoming self-sufficient is not all about buying emergency supplies. Learning survival and self-sufficiency skills is a big aspect of the preparedness mindset.  Learning a few practical skills will also help you save money by doing things yourself. Here are 8 skills you can learn on weekends: Plant a garden Even if you only have a small balcony, you can grow a few herbs.  Sign up for free tickets for the […]

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Money Mondays: 10 Ways to Cut Your Living Expenses and Save for Emergencies

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Written by Allie Shaw Normally, you expect the bulk of your monthly salary to go toward items like rent, cable, utilities, groceries, and childcare. It’s not fun, but it’s a part of being an adult. But maybe you want more of your money to stretch further. This article will cover ten common living expenses and will teach you the necessary tips to cut down on those expenses, letting more money go toward family emergencies and other household needs. 1. Rent […]

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Money Mondays: Stop Wasting Food and Save Money!

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This post is by Bernie Carr, apartmentprepper.com I was catching up on my article reader and found these two articles about food waste that riled me up: About 40 Percent Of All Food In The United States Is Thrown In The Garbage  and Top 20 Foods Wasted It is such as shame that so much food is wasted while other people are going hungry.   We can’t do anything about industrial food waste, but we can certainly minimize throwing away good […]

The post Money Mondays: Stop Wasting Food and Save Money! appeared first on Apartment Prepper.

Jumpstart Your Emergency Fund With This Trick

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Jumpstart Your Emergency Fund With This Trick The emergency fund is one of the toughest things to get started. Its even more difficult to see it through. Still, having that extra money on hand in case of a disaster can make all the difference. What we find is that its very easy to dip into …

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The post Jumpstart Your Emergency Fund With This Trick appeared first on SHTF Prepping & Homesteading Central.

Forward thinker therefore prepper!

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Forward thinker therefore prepper!

Forward thinker therefore prepper!
Host: James Walton “I Am Liberty” Audio player below!

I am a prepper therefore I am a forward thinker. I am a forward thinker therefore I am a prepper. Its a one hand washes the other situation. While I am a young man I still appreciate that this ride has an end. This short dance in the sun will eventually be clouded over and the infinite dark will follow.

Continue reading Forward thinker therefore prepper! at Prepper Broadcasting Network.

The 3 Biggest Killers To A Family Budget – Spend Less, Save More!

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When it comes to a family budget, the best way to have more money is to save on what you already spend. We all seem to start off the new year with great family budget goals. Goals such as earning

The post The 3 Biggest Killers To A Family Budget – Spend Less, Save More! appeared first on Old World Garden Farms.

5 Ways to Prep without Spending Money!

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5 Ways to Prep without Spending Money!

5 Ways to Prep without Spending Money

Who would say “no” to prepping for free? Not many people, I imagine… I know stockpiling costs money, but I went ahead and found the things to do to prepare that cost (almost) nothing.

What many people forget is that survival is about much more than just buying things. It’s about getting in shape, it’s about knowing how to do things such as starting a fire or tying knots, it’s about improving your awareness. 

Continue reading 5 Ways to Prep without Spending Money! at Prepper Broadcasting |Network.

Money Mondays: Homemade Cards and Gifts

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This post is by Bernie Carr, apartmentprepper.com   The day after Thanksgiving, we started decorating for Christmas.  This year, we are reusing decorations from previous years. Also I started to make Christmas gifts and cards. Cards We grew up thinking that store bought cards are better, but over the years I found handmade cards are appreciated by the recipients.  I like to draw Christmas images free-hand, but for variety, I am also trying these ideas out:  Fingerprint Christmas lights card […]

The post Money Mondays: Homemade Cards and Gifts appeared first on Apartment Prepper.

Money Mondays: Homemade Cards and Gifts

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This post is by Bernie Carr, apartmentprepper.com   The day after Thanksgiving, we started decorating for Christmas.  This year, we are reusing decorations from previous years. Also I started to make Christmas gifts and cards. Cards We grew up thinking that store bought cards are better, but over the years I found handmade cards are appreciated by the recipients.  I like to draw Christmas images free-hand, but for variety, I am also trying these ideas out:  Fingerprint Christmas lights card […]

The post Money Mondays: Homemade Cards and Gifts appeared first on Apartment Prepper.

Money Mondays: Use Food Storage for your Thanksgiving Feast

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This post is by Bernie Carr, apartmentprepper.com This week, while you are planning your Thanksgiving menu, consider “shopping” from your food storage items that are nearing expiration.  If you are short on cash, this is also a way to save a few dollars. So why not include some of your food storage items for Thanksgiving? A few ideas Canned corn and green beans can be used for casseroles Mountain House Noodles and Chicken makes a tasty meal all by itself […]

The post Money Mondays: Use Food Storage for your Thanksgiving Feast appeared first on Apartment Prepper.

Feel Safer in Your Apartment and Save Money with These 5 Smart Gadgets

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Written by Krystal Rogers-Nelson You don’t have to rely on someone else to have a secure and energy efficient apartment. Thanks to technology, it’s easier than ever to secure your home and reduce your energy usage without relying on outside services. These five apartment-friendly smart gadgets will not only help you feel safe, you will save money as well. 1. Wi-Fi Smoke Alarm Battery Most renters don’t want or aren’t allowed to make many upgrades to their apartment. Instead of […]

The post Feel Safer in Your Apartment and Save Money with These 5 Smart Gadgets appeared first on Apartment Prepper.

300 a Month, Week goals, & Menu

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300 a Month, Week goals, & Menu I am always astounded by these folks who focus on frugality and really pull it off. This is an extreme example and I think these are so important for the average prepper to read. It is important that we understand what is possible with more of a focus …

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The post 300 a Month, Week goals, & Menu appeared first on SHTF Prepping & Homesteading Central.

Prepping on a Budget!

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Prepping on a Budget Forrest Garvin “The Prepping Academy” Audio player below! On this episode of the “The Prepping Academy” Forrest and Tenderfoot discuss one of the most talked about subjects in prepping, Prepping on a Budget. This subject has been on every blog and podcast out there. On this show we hope to share … Continue reading Prepping on a Budget!

The post Prepping on a Budget! appeared first on Prepper Broadcasting |Network.

Why Everyone Should Have a Cash Stash

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This post is by Bernie Carr, apartmentprepper.com   A lot of people no longer use cash and rely on debit or credit cards for all purchases.  I understand using cards is so much more convenient but consider having a set amount of cash on hand to help you get out of a bind. The following article by Donna Freedman, one of my favorite personal finance writers, explains it all: Why You Need a Cash Cache Everyone should have some cash […]

The post Why Everyone Should Have a Cash Stash appeared first on Apartment Prepper.

Money Mondays: 13 Driving Tactics to Save Fuel

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Though gas prices have been staying on the lower side in the recent months, it is still a good idea to save gas whenever possible.  The money you save can be used toward other things such as boosting your slush fund or buying food and supplies for emergencies.   Source:  https://www.onstride.co.uk/blog/13-driving-tactics-save-fuel/

The post Money Mondays: 13 Driving Tactics to Save Fuel appeared first on Apartment Prepper.

Prepping on the Cheap Part One: Bugging In

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Prepping on the Cheap Part One: Bugging In On this episode, we are talking about prepping on the cheap. This episode is all about how to get the most value and the most quality preps with the least output of cash. Listen to this broadcast or download “Prepping on the Cheap Part One: Bugging In” … Continue reading Prepping on the Cheap Part One: Bugging In

The post Prepping on the Cheap Part One: Bugging In appeared first on Prepper Broadcasting |Network.

69 Percent Of Americans Do Not Have An Adequate Emergency Fund

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69 Percent Of Americans Do Not Have An Adequate Emergency Fund Americans do a terrible job at saving money. There is no getting around that. It takes a lot of time and effort to save money. This also tends to mirror their preparedness level as well. Its easy to say this type of thing without …

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3 Ways To Give Yourself A $1000 A Month Raise

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One question I read on preparedness and self-reliance websites is: “How can I build up supplies when I am living paycheck to paycheck?” It is is not surprising, according to a June 20, 2017 article on CNBC, “57 million have no emergency fund.” As you read this, ask yourself “Do I have $1000 cash in […]

The post 3 Ways To Give Yourself A $1000 A Month Raise appeared first on Vigil Prudence.

The Surprising Identity Of The Average Couponer

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The Surprising Identity Of The Average Couponer   There is something to be said for taking on survivalist projects and reusing materials which both help lower environmental impact and cut the cost of living.  By reusing or creating materials ourselves, we go against the very core of consumerist ideals that are deeply ingrained into today’s …

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The post The Surprising Identity Of The Average Couponer appeared first on SHTF & Prepping Central.

How to Keep Your Cool in the Summer Kitchen

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How to keep your house cool in the hot summer. Use these summer kitchen tips | PreparednessMama

How to keep your house cool in the hot summer. Until the money for my beautiful outdoor kitchen come in, I’m going to utilize a few of these summer kitchen tips. I moved to Texas a little over two years ago and discovered something that I’d never really thought about before we moved. The heat […]

The post How to Keep Your Cool in the Summer Kitchen appeared first on PreparednessMama.

Bartering, Then and Now!

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Bartering, Then and Now! James Walton “I Am Liberty” Audio in player below! On this special episode of I Am Liberty we talk about taking advantage of the barter economy that is alive and well out there. Dare I say it could even be growing. We are in the most entrepreneurial time in history. Everyone is … Continue reading Bartering, Then and Now!

The post Bartering, Then and Now! appeared first on Prepper Broadcasting |Network.

Money Mondays: 10 Ways I Save Money with Baking Soda in My Apartment

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This post is by Bernie Carr, apartmentprepper.com We haven’t had a Money Mondays feature in a while so it’s time for another one!  Everyone knows about using a box of baking soda to avoid odors in the fridge, but many people stop there in spite of all the known uses for baking soda. I’ve read hundreds of tips, and not all of them work for me.  I know you can brush your teeth with it, but I am not ready […]

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Upcycling: Keep the old & turn it into something new

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Off-grid, Upcycling, reusing, green,

Upcycling refashions the old into something new!

We live in a throw-away society. A culture based on how much “stuff” we have. The media gears our life towards replacing things because it’s fashionable rather than because we actually need to. It is also causing us to rush headlong into a lack of natural resources.

Recycling is of course an option to help combat the use of natural resources. But that requires more energy and water to break down a product into its base materials before remaking it into something else, normally of lower quality.

Upcycling however is completely green.

It’s not about breaking things down, but simply refashioning it into something new and of the same or perhaps even better quality. The conversion process means nothing gets sent to land fill, requires no extra energy (other than a little elbow grease on your part) and allows you to be creative. By reusing and upcycling products to perform different purposes to what they were intended, you are also saving money. Instead of going out and buying a brand new product, find something you are not using and use your creativity. Voila! Upcycling magic has occurred!

The complete opposite of consumer culture, more or less anything can be upcycled, from furniture to clothing to electronics – the only thing stopping you is your imagination. The same thing doesn’t have to be upcycled in the same way. Take a plastic bottle for instance; this could become a planter for the garden, a bird feeder, a lamp or anything else you can think of.

Old electronics, something that often gives us grief when trying to dispose of, can also be upcycled. Old smartphones can become alarm clocks, or if you’re tech savvy a smartwatch! An old school computer monitor can be cleared of internal wiring and become a fish tank! Or if you remove the screen itself, how about a cat bed? The fan in your old computer can be converted into a regular desk fan with a bit of know-how. Plus, if you’re a fashion fanatic how about some quirky keyboard letter cufflinks or earrings?

Upcycling also encompasses larger projects too.

How about wood pallets becoming a stylish piece of decking or front porch? Or how about going for the ultimate upcycle – a whole home!

Shipping containers are becoming a popular option to upcycle into a tiny home. Although you’re unlikely to come across these 8ft wide by 8ft tall containers for free (expect to pay around the $3000 mark for each one), they offer a good opportunity for an upcycle project! Rylan and Brook Naylor, took two of these containers and have converted them into a home. Although not completely off-grid they are hoping that in the coming years they will be.

Canadian Joseph Dupuis bought three shipping containers and did succeed in turning them into a 355 square foot off-grid home. Located 35 miles west of Ottawa Canada, Joseph’s off-grid container cabin is powered by a two kilowatt solar system and heated by a wood fire stove. The space is completely open plan and is designed to be dismantled, so it can be moved and erected in a new location. The whole project (excluding the solar system) cost Joseph $20,000. Having lived in his container cabin for two years, Joseph is looking to sell to give someone else a taste of upcycled off-grid living.

To have a guided tour by Joseph himself, visit: www.youtube.com/watch?v=njjz-xTs67M

The post Upcycling: Keep the old & turn it into something new appeared first on Living Off the Grid: Free Yourself.

Food Storage: It’s the Little Things!!!

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I’m sure you’ve heard the saying, “the little things make a big difference.” That’s true in preparedness and really true when we consider food storage! Let me walk you through a scenario.

The “hammer” has finally “dropped” and America is in the middle of TEOTWAKI. Chaos ensues and it is not pretty! After a while, depending on where you are located in the country (some places might take longer than others), things finally die down (maybe literally) and eventually a “new normal” emerges in American’s everyday life!

Maybe it looks agricultural. Maybe it looks industrial. Who knows? But one thing that everyone will have to do is eat!

Now, imagine putting in a long day of…working in the field, patrolling, working in a factory or whatever. Imagine working a long day and then coming home to sit down to eat…the same old, bland food.

Many people say that if someone is hungry, they will eat whatever is in front of them. I actually believe that. But, remember, we are now in a “new normal.” People aren’t necessarily hungry. It’s just that the food sucks! Can you imagine what that would do to morale eventually?

Now, what if the person responsible for making the food knew tricks and tips and knew how to make things that tasted good? What would that do for morale? Just imagine, dinner time would once again be the centerpoint of the day. Families would come together to eat a good meal and enjoy each other.

Now, many of us have food storage. Some of your food storage might include MRE’s and dehydrated Mountain House meals. But the bulk of most preppers food storage would include basic staples like rice and beans. After your MRE’s and Mountain House is gone, how will you cook your rice and beans and other long term food storage in a way that won’t eventually get boring?

The truth here is that cooking, knowing how flavors come together, knowing what to use and when, is an important skill, not only when the poop hits the fan, but it can also be very useful now!

I would like to announce that I’m partnering, as an affiliate, with Chef Keith Snow and his new cooking program that has been designed for preppers!

Many of you know Chef Keith Snow from his own cooking podcast and his appearances on The Survival Podcast with Jack Spirko. He sits on Jack’s Expert Council when the topic is food.

In realizing the frailty of our system, he got serious about prepping and food storage. He also realizes the challenges that many preppers have when it comes to making their food storage taste good over a long time. He has developed a course to help his fellow preppers!
Keith has put together a course with 17 modules that covers everything from “What Food to Store” to the equipment you need to the specifics on food storage staples. He is just now launching it and adding to it weekly.

But, this isn’t just a course. When you learn how to really cook well, you are learning a valuable skill. You will use all your preparedness skills at some point. But you will eat everyday!

And, this course will help you save money because many of the main ingredients in the recipes are from food storage staples, which means they will be very affordable!

Good food at a great price…and learn a valuable skill?????? It’s a win-win-win!!!!

The cost of the course covers a lifetime membership and includes access to all of Chef Keith’s written materials as well as videos. The written material includes recipes and even items that you will want to purchase to add to your food storage.

Since the course has just launched, but isn’t completed yet, Chef Keith is offering an introductory offer to join his new program – $169. Again, this includes a lifetime membership and unlimited access to all of his materials, including a forum.

To sign-up for his course, CLICK HERE!

If you’re not convinced yet, and would like to get a little more information, subscribe to his mini-course which will get you access to a 45 page ebook in PDF , two written recipe with everything you need to know how to make these recipes and information from Keith’s perspective and rationale of the course.

To sign-up for the mini-course – CLICK HERE!

To put my money where my mouth is – I signed up for the course myself! I am excited to improve my cooking skills. I plan on putting out some of the recipes I try on my social media channels. Be on the lookout for them!


Financial Emergency: 12 Ways to Raise Cash

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This post is by Bernie Carr, apartmentprepper.com Everyone faces the need to raise cash at some point:  unplanned medical bills, car repair expenses, legal troubles etc.  It can get so dire that rent gets behind or utilities such as water and power are being threatened with disconnection.   Pretty soon, TV or radio commercials singing the virtues of payday loans start to sound tempting. If you find yourself starting to wonder whether a payday loan may help you in the short […]

The post Financial Emergency: 12 Ways to Raise Cash appeared first on Apartment Prepper.

Couponing 101 – How To Save 50% or More on Your Groceries

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Couponing 101 – How To Save 50% or More on Your Groceries Every prepper knows how expensive it can be to build up a stockpile of food for when SHTF. You really do have to think of everything you need to get you through, and that adds up to a lot! It does help to …

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The post Couponing 101 – How To Save 50% or More on Your Groceries appeared first on SHTF & Prepping Central.

12 Ways to Radically Cut Expenses

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12 Ways to Radically Cut Expenses Most people would be surprised at the changes that can be made when they rethink the definition of the word “necessities”. With the gloomy economic forecast, it’s not reasonable or rational to expect things to improve in the near future.  If you want to be somewhat immune to the …

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63 Practical Tips to Live a Frugal Life

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63 Practical Tips to Live a Frugal Life Did you know that no matter how much money they make, more than 70% people in the US have less than $1000 in savings? Crazy, right? What’s more interesting is that this doesn’t have anything to do with income. Even people who are making more than $100,000 …

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The post 63 Practical Tips to Live a Frugal Life appeared first on SHTF & Prepping Central.

IRA , 401K, Conspiracy, and Pizza Gate!

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IRA , 401K, Conspiracy, and Pizza Gate. Forrest & Kyle “The Prepping Academy” Listen in player below! “The Prepping Academy.” This  show for Friday December 2nd, 2016 Forrest and Kyle have guest Ross Powell on the show. Ross operates Survival 401k and will be with us to discuss the condition of the economy. Also how … Continue reading IRA , 401K, Conspiracy, and Pizza Gate!

The post IRA , 401K, Conspiracy, and Pizza Gate! appeared first on Prepper Broadcasting |Network.

How to Stockpile Food and Other Goods Cheaply

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How to Stockpile Food and Other Goods Cheaply Stockpiling can be an enormously expensive task if you go about it in the wrong way. Even if you’re doing all that you can to keep costs down, if you’re stockpiling for a big family, it can still be exceptionally pricey to get your stockpiles to where …

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The post How to Stockpile Food and Other Goods Cheaply appeared first on SHTF & Prepping Central.

Best Free Preps!

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Best Free Preps! Highlander “Survival and Tech Preps” This is all about those free preps you might not have known you can get for… well free! What about all those different items that you can reuse for prepping? Not only the reuse but also what we can do to make a little extra money for our prepping … Continue reading Best Free Preps!

The post Best Free Preps! appeared first on Prepper Broadcasting |Network.

Money Mondays: Money Hack to Help You Stay on Budget

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This post is by Bernie Carr, apartmentprepper.com If you are trying to stay on budget but seem to be having difficulty succeeding, here is a hack to help you get there. Money Hack to Help You Stay on Budget:  The Debit Card Diet We tried the debit card diet during the month of August in our own Apartment Prepper household. What is it? The Debit Card Diet involves using cash for all shopping transactions.  Mr Apt Prepper and I agreed […]

The post Money Mondays: Money Hack to Help You Stay on Budget appeared first on Apartment Prepper.

Build Your Own Do It Yourself Homestead

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Build Your Own Do It Yourself Homestead Karen Lynn “Lil Suburban Homestead” I’m so excited to interview Tessa Zundel blog owner of Homestead Lady and the Author of The Do It Yourself Homestead – Build Your Self Sufficient Lifestyle One Level at A Time. Karen Lynn had Tessa on a previous show on this very network click … Continue reading Build Your Own Do It Yourself Homestead

The post Build Your Own Do It Yourself Homestead appeared first on Prepper Broadcasting |Network.

Money Mondays: Assemble Your Own Zika Prevention Kit

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This post is by Bernie Carr, apartmentprepper.com  There is a lot of concern about the Zika virus in Texas, since the first Zika virus death occurred.  A few days ago I got an email from my employer about Zika prevention and it included a flyer from a supplier selling Zika prevention kits. I thought the pre-made kits were on the pricey side so I decided to write about assembling your own. What items should be in a Zika prevention kit? […]

The post Money Mondays: Assemble Your Own Zika Prevention Kit appeared first on Apartment Prepper.

Money Mondays: Should You Keep Receipts?

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This post is by Bernie Carr, apartmentprepper.com One of the challenges of staying organized in a small space is dealing with receipts.  Receipts from purchases, bank transactions seem to keep multiplying and cluttering up pockets, wallets and purses.  It is tempting to just get rid of them.  However, I have found you need to keep receipts for a certain period of time before discarding them. Dealing with receipts: Cash machine transactions:  When I use the ATM I keep them for […]

The post Money Mondays: Should You Keep Receipts? appeared first on Apartment Prepper.

Money Mondays: Stock Up on Bargains and Boost Your Supplies Before Summer Ends

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This post is by Bernie Carr, apartmentprepper.com August is a great time to boost your food storage and emergency supplies.  It is still summer, but the back to school sales are upon us.  With the warm weather,  it is also prime yard sale season in many areas across the country. Now is the time to shop end of summer sales on camping equipment such as tents, sleeping bags, outdoor lighting, outdoor cooking accessories, summer clothes and footwear, and backpacks. Summer […]

The post Money Mondays: Stock Up on Bargains and Boost Your Supplies Before Summer Ends appeared first on Apartment Prepper.

7 Secret Off-Grid Ways To Save On Health Care

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Image source: Pixabay.com

Image source: Pixabay.com

Did you know that the United States, per capita, spends more than twice the average of other developed countries on health care?

Research by the Organization for Economic Cooperation and Development reveals that this higher spending likely is driven by a greater use of technology and higher health care prices, rather than more frequent hospital admissions or doctor visits.

This higher spending has had a big impact on the average American wallet. Today, many Americans are paying a larger percentage of their medical costs than ever before. Although the Affordable Care Act may have given more people access to health insurance, those insurance plans often come with high deductibles.

In order to save money on health care, American consumers should look at health care just as they look at other services they purchase. They need to shop around and follow the shopper’s maxim of “let the buyer beware.”

Learn How To Make Powerful Herbal Medicines, Right in Your Kitchen!

Here are several ways to save on health care costs they you may not have considered.

1. Do some research. You wouldn’t buy a car without doing some research, would you? You can apply that same comparison shopping mindset to buying a surgical operation or other planned medical procedure.

Ask questions such as whether a test or procedure is really necessary. Get prices – including all costs associated with a test or procedure – in advance and in writing. Ask for a signature and title along with the quoted price.

2. Pay cash – and ask about discounts. Many hospitals and clinics offer steep discounts for quick payment. A recent article in the Los Angeles Times reported that Torrance Memorial Medical Center billed a patient’s insurer, Blue Shield of California, $408 for routine blood tests. The patient was responsible for $269.42.

Yet when the patients called the hospital to question the tests, which cost $80 each, she was told that if she had paid in cash, the tests would have cost only about $15 each. In other words, she was better off to avoid insurance and just take care of the bill herself.

Get in the habit of asking if there is a cash discount or some other discount for which you might be eligible.

3. Don’t take – and then pay for — tests you don’t need. The American medical community has gone test and imaging crazy. While some of them are necessary, many are not. Be wary of agreeing to expensive scans and x-rays for uncomplicated ailments. Ask your doctor why it is needed.

Visit ConsumerReports.org/choosing-wisely for more information.

4. Examine your bills. It is not uncommon for patients to be billed twice or even three times for the same hospital service.

Health care bills are filled with codes, and they can be confusing. It is well worth your time to find out what the codes stand for and to make sure you actually had that service or procedures indicated by the codes.

5. Become a letter writer. We all like the instant communication of email and phone calls, but an old-fashioned letter is your best bet for communicating about your health care charges.

7 Secret Off-Grid Ways To Save On Health Care

Image source: Pixabay.com

While emails often are ignored and phone calls provide no record, letters usually are answered. Be sure to make copies of your correspondence.

Another option – particularly if you need to work out a payment plan – is to visit the hospital’s billing department in person. Be polite and courteous.

This final tip will only work as a money-saver in certain situations. When faced with mounting questions and overwhelming medical bills, you can consider hiring a patient advocate to help you.

Patient advocates are expert in spotting incorrect codes as well as incorrect or duplicate charges on your bills. Some claim they can recover 20 to 50 percent of your charges. Advocates either charge a flat fee, or a percentage of what they recover.

6. Buy generic. Ask your doctor or pharmacist about generic alternatives to brand name medicines. Often they are just as effective but are far less expensive. You may even find that you can get certain generic prescriptions for less money by paying cash for them than by paying your co-pay for brand name prescription drugs.

Another way to save money on medications is to ask you doctor to write you a prescription for two or three months of medicine for a chronic ailment instead of just for one month. You can eliminate multiple co-pays this way.

You also may save money by substituting certain over-the-counter (OTC) medicines for higher-priced prescription versions. Examples are substituting OTC loratadine (Claritin) (or a generic) for prescription levocetirizine (Xyzal) or OTC omeprazole (Prilosec) for prescription esomeprazole (Nexium).

7. Stay in your network. Read your health plan carefully to find what doctors and hospitals are part of its coverage. Even if you are allowed to visit non-participating providers, you usually will pay more if you do.

On the other hand, question “out of network” charges that are not your choice. For instance, you should complain if, after surgery, you are billed extra charges for an out-of-network anesthesiologist that your network hospital chose for you. If you did not choose that doctor, you are not responsible for the penalty fee.

What advice would you add on saving on health care? Share your thoughts in the section below:

If You Like All-Natural Home Remedies, You Need To Read Everything That Hydrogen Peroxide Can Do. Find Out More Here.

Unplug Appliances and Save Money

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Have you ever heard that you can unplug appliances and save a whole lot on your energy bill? But really, how much could you possibly save by unplugging everything when you’re done using it?

If it’s not in use can it really be using that much electricity? Well, you’d be surprised at just how much electricity you can save simply by unplugging those unused appliances.

What Draws the Most Electricity

Your TV and coffee maker which are powered down individually might not draw that much energy, but all of these electrical appliances together are still drawing power and can add up to 10% to your electric bill each month. And in general the biggest drains on your power even when they are powered down is any device with a remote control.

Save money by unplugging appliances when they’re not in use

Also anything with an external power supply, a charger (for your phone or gaming device), anything with a continuous display (an alarm clock, microwave, or oven with a digital clock), laptop computers, and cable boxes (especially with an integrated DVR) are all huge offenders. They use an average of 9 watts to 44 watts of electricity even when powered down.

Older appliances will use less power when not in use because they aren’t doing anything.

A washing machine without a digital display has nothing to power when not in use. But of course the older appliances then have the unfortunate fate of not being energy efficient when they are in use.

The drawing of power when appliances are not in use is something that is beginning to become a thing of the past.

Many newer TVs and electronics are drawing less energy when turned off because of energy star guidelines.

How to Know Which Appliances to Unplug

Obviously you can’t unplug everything when it’s not in use. Your alarm clock is probably something you need to keep plugged in at all times unless you switch to a manual alarm clock. Your cable box with the DVR in it is set to record things at certain times, so unplugging it might cause you to miss your scheduled recordings.

Your refrigerator and programmable coffeemaker are obviously appliances that are completely useless should you unplug when they aren’t in use – in particular your refrigerator. For these appliances the best way to save on your energy cost is to make sure you check the energy star ratings. You will need to check for the standby ratings on the item before you purchase it.

Of course there is one other option – get rid of your refrigerator. Or at least downsize to a much smaller one. Yes, it’s possible.

But the TV and DVD player and your computer are all items which can be unplugged when not in use. Probably the easiest way to accomplish unplugging these items is to have them attached to a power strip which has an on/off switch. Flip the switch when you’re done using the items. And with a quick flip of the switch you can power everything back up.

We are off-grid and count every watt of power. Because of this, we turn off everything at night. Yes, quite literally, we turn off all the power for the house! Obviously, we don’t have any appliances that need to draw energy continuously.

One thing we have learned, if you are turning off your entire computer system, is to turn them back on in a certain order. First, turn your modem back on. Then, once it has booted up completely, turn your router back on. Finally, turn on your computer.

You likely aren’t going to see huge savings, but you should see a 5-10% decrease in your electric bill if you begin turning off all appliances and devices when they are not in active use. And just think about what would happen if all of your neighbors cut back and unplugged from the wall. The effect it would have on the environment as a whole would truly be impressive.

And with something so simple, who wouldn’t want to save even $5 a month on their electric bill?

Budgeting – and following a budget – seems like it should be easy. Unfortunately, too many of us struggle with it. Like the tiny bits of electricity that add up on our monthly bills, the money seems to trickle away, untracked and unaccounted for.

The skills can be easily mastered, but most people have not been taught the basics of personal finance. Make no mistake – frugality and personal finance is something that can and should be taught!

Enroll in Common Cents and join me for a 16 week course that will take you from budgeting through mortgages and identity theft. Each week includes videos, slides, printable affirmations and of course a detailed lesson. A private Facebook group provides ongoing support and training for all students.

Enroll today in Common Cents!

The post Unplug Appliances and Save Money appeared first on Just Plain Living.

Money Mondays: Six Things I Did to Save Money this Weekend

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This post is by Bernie Carr, apartmentprepper.com I am always looking for ways to save money so I can increase my prepping budget.  Some days I am able to net pocket change, but some days I succeed in saving a few dollars.  Here’s a snapshot of what I did this weekend: Six things I did to save money this weekend: Dehydrated herbs I do not own a food dehydrator, but found another way to dehydrate herbs without one.  I had […]

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Money Mondays: If You Don’t Have a Job, Make One Up

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 Written by Daisy Luther, The Organic Prepper This article first appeared in The Organic Prepper With unemployment rates skyrocketing, going out and finding a new job can be nigh on to impossible these days.  This is only going to get trickier as the government continues to force businesses to increase the minimum wage. Workloads that used to provide employment to two people are now forced onto one. The work performed gets shoddier as the one employed person struggles to keep […]

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Money Mondays: 8 Ways to Prep When You’re Living Paycheck to Paycheck

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  This post is by Bernie Carr, apartmentprepper.com I read recently that nearly half of Americans would not be able to afford to cover an emergency that costs $400.  Millions of Americans live paycheck to paycheck and the numbers are increasing.  Does that mean they cannot afford to prepare for emergencies?  I believe when you are stretched this thin financially, you can’t afford NOT to prep. It does take some creativity and some planning but it is possible to prep […]

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Money Mondays: Can a Crisis Like Venezuela’s Happen Here?

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  This post is by Bernie Carr, apartmentprepper.com You can’t help but feel bad about the citizens of Venezuela, as they suffer under miserable economic conditions:  People waiting in lines all night and day to buy basic necessities, formerly middle class people having to hunt dogs and cats in their neighborhood for their next meal, with widespread rioting and looting. But can it happen here?  This post certainly got my attention Coming Destruction? Alan Greenspan Warns “Venezuela Under Martial Law […]

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Preparing for Economic Collapse

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downturnPeople prepare for many reasons, be it a zombie apocalypse, EMP, nuclear war just to name a few. Personally I think the most common forms are disaster are weather related, such as floods, hurricanes and such and financially related, such as a full blown economic collapse to a personal financial crisis. This is why I […]

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Why Your Next Survival Trip Should Be to the Flea Market

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by Megan

There are many reasons why your next survival trip should be to the local flea market, especially for an active prepper who is looking to build their stockpile. Flea markets can be a veritable treasure chest of needed supplies. If you know what to watch for and how to negotiate well, you can get the survival supplies you need at prices that are far less expensive than buying them new at the local retail box store.

What Can You Buy at Flea Markets?

Flea markets are a great place to look for clothing, shoes, and boots to keep in your GHB, your BOB, or even your INCH bags. In fact, with flea market prices, you can probably afford to buy a set of boots for each of your bags all at one time. Buying boots used also means they are already partially broken in for you! Make sure they are free of any holes, and when you get them home, invest in some water proof spray, swap out the laces for paracord, and wear them around home for a couple days before you pack them away.

Getting winter gear at the flea market is also a smart move, especially if you visit the flea market towards the end of the winter season. You may need to search a bit, but you can find gloves, hats, and even decent coats that you can buy cheap and add to your stockpile. You can actually find extra sets of clothes for just about any season, including rainy wet weather, at the flea market and save a ton of money compared to buying them new. Just make sure to buy fabrics that will breathe and work well in layers.

The flea market is also a super place to find other things you need for your stockpile, such as kitchen utensils and pots and pans. Look for items such as can openers, cast iron skillets or dutch ovens, as well as stainless steel pots and canteens. If you’re lucky you may run across a used grain or meat grinder, both of which will come in handy post-SHTF but are often too expensive to buy new. The flea market is also a great place to find quality thermoses, camp stoves, extra blankets, canning jars, propane canisters, and pressure canners.

The amount of gear you can find at a flea market makes the trip worthwhile for any prepper. You will find good quality tools and needed equipment like chainsaws, hatchets, and axes, as well as swiss army knives, flashlights, old tents, backpacks, radios, fishing equipment, hunting stuff, and gardening tools and supplies. Sewing materials which can be used not only to sew your own clothes but also to stitch up cuts, repair a tent, and make baskets are generally in abundance.

How to Get the Best Deals and Negotiate at Flea Markets

One of the best ways to make sure you get the best deals from flea markets is to visit them frequently and early. If it’s a weekend flea market, you want to go every weekend, or ideally each day they are open. It’s crucial that you are there as soon as possible after the gate opens for the day. The best time to get good deals is when vendors first arrive and are unloading their stuff and setting it up.

Take enough cash with you but keep most of your money separate from your smaller bills. This way you can pull out the smaller wad for small purchases. Pay attention to who the vendors are, try to determine if they are professional salespeople or just your everyday civilian trying to get rid of the stuff from their attic. Both will have good deals but you will have to be a tougher negotiator with the professional vendors to get the good deals.

Most flea market vendors expect you to negotiate with them and they set their prices to reflect this. It should be rare that you pay the initial asking price on any item, unless it’s so low that it just makes sense. One way to get better pricing from vendors is to buy items in bulk. If for example, a vendor has boots selling for $15 each but you are planning to buy 4 pair, offer to pay $10 or $12 a pair. You are still getting quality boots much cheaper than the retail price.

It’s important to start out early in the morning so you can get the good stuff before someone else comes along and snaps it up but vendors are also more prone to negotiate pricing late in the day. If you see something you like that is out of your price range, try hanging around till later in the day to approach the vendor or if you live close, go home and come back just before closing time.

A flea market is a great place to also teach your kids the art of negotiation and the value of money. Take some time before you make the flea market trip to make a list with your child of items they would like to have. Give them a specific amount of money, for example $10 or $20 and then let them take control over negotiating for things they find. On the way home, talk about deals they made that were good and ones they made that could have been better.

Where Can I Find the Best Flea Markets?

Each region of the United States has a schedule of annual flea and antique markets that take place every year. You can find a specific schedule of them here. In most cases you can find a flea market local to your area by checking the newspaper advertisements, checking craigslist for your area, or searching online. Keep in mind that some flea markets are made up of mostly professional vendors selling new items whereas others may have more amateur vendors with used items for sale.

The days of the week for your flea market may also make a difference as to what items you find for sale. Some flea markets have more professional vendors selling new items during the week and then more of a mix of new and used items on the weekends. Or your flea market may have “Amateur Only” days on Saturdays where professional vendors selling new items are discouraged. If you’re looking for multiples of new items you’ll have better luck from professional vendors.

If you really want to go all out, plan a trip to one of the world’s largest flea markets, The Highway 127 Corridor Sale, first created in 1995. It begins on the Thursday prior to the first Saturday in the month of August and the sales stretch from Michigan all the way through to Alabama. The 127 Corridor sale has over 3,000 weekend vendors both amateur and professional and items are displayed in yards, parking lots, on the back of trucks, and even in fields along the highway. If you plan to attend, start saving up now so you can make a long list of survival and stockpile items that you need and be ready to purchase items as you find them.

Can I Make Money Selling Stuff at Flea Markets?

There are actually many people who have been relatively successful at selling items via a flea market. The current trend though seems to be that actually making money selling items at flea markets is a complicated and unpredictable thing. Whether or not you can make money depends on how much time and effort you are willing to put into it and the discretionary income of the residents in the vicinity of your flea market. Just like with any endeavor, I’m sure you can find some people who are still making a pretty decent living selling professionally at flea markets, however it seems in recent years, it has become harder for the amateur vendor to make good money.

What Are Some Other Reasons to Visit a Flea Market?

Flea markets are great for scavenging out inexpensive items to add to your survival stockpile but there are other benefits too if you plan for them. Flea markets are generally a melting pot of many different types of people, all in one place. There are the vendors and the customers, and both types of people present an opportunity for you to learn about human behavior.

First, find a spot where you can see and hear what’s going on at several different vendor tables or booths and just watch the negotiations and interactions of others. Pay attention to body language, tone of voice, and phrasing used by the vendor. Can you tell from how the vendor interacts with his customers if he is being honest and fair or trying to swindle unsuspecting customers? How about the customer behavior? Can you tell which customers will haggle the price and which ones will just pay whatever is asked?

Flea market crowds are also a great opportunity to work on honing your situational awareness skills. As you walk along checking out the goods for sale, tune your ears to what is happening around you. See if you can predict the type of person coming up behind or beside you by the way they talk or by the crunch of their feet on the gravel path.

Watch the movement of people in the crowd. Look for anyone that stands out by the way they move. Is anyone moving quicker than most of the people in the crowd? Does anyone seem to be moving much slower? Take note of how people in the crowd are dressed and what items they are buying. Do you see anyone that you can tell is carrying an EDC or a weapon such as a knife or gun? Watching the crowd for these kinds of things can be a great way to hone your observation skills.

Practice being a gray man. Which people do you notice right away, the ones that draw your attention or catch your eye? Can you blend into the crowd? Match your pace to that of the crowd, pay attention to how they speak, and what they are wearing. See how many times you can walk down the same row without drawing weird or suspicious looks from vendors. Purchase some items and duck into the bathroom and change clothes, do you still get noticed? Can you walk beside someone for any length of time without them giving you weird looks? Don’t overdo it and get into trouble with security!

Whether you are new to prepping or an experienced prepper, the flea market can be a great resource for you. Use flea markets to create or replenish your survival stockpile at less than retail prices or take advantage of the crowds to practice and hone your negotiation and observation skills. Just remember, there may be other not so honorable people there to take advantage of the crowds too, so keep your wallet hidden and don’t be flashy about how much cash you have on hand.

Learn About 5 Habits Of Successful People To Become One

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habits of successful peopleSuccess is not a destination. Success is achieved on a daily basis and our routines go a long way towards determining our ability to achieve our most important goals. But how exactly should we go about that? Perhaps people that have already proven to be extraordinary individuals can teach us something on the topic. We have listed five habits they stand by for, and perhaps by adopting them you too can become a high achiever! Read on to learn more:

1. Don’t Be Scared To Read

Reading is sometimes considered to be the exclusive domain of the nerd, but highly successful people typically make time to enjoy a good book or simply read up on a topic that they are not already familiar with. Bill Gates makes sure to read for at least an hour a day, while Mark Cuban believes that reading for three hours a day is a key to his success. By reading, we are able to learn more about the past mistakes of others, as books provide us with a road map to steer clear of these errors. If your excuse is that they’re too expensive, look into Discountrue coupons and you will discover that you’re able to shop at many popular stores such as Kohl’s or Abebooks on a budget.

2. Getting Up Early

It can often seem like there aren’t enough hours in the day and if you are not waking up in a timely fashion, time slips away even more easily. Getting up early is difficult, which is why it is important to lay the proper groundwork. Don’t fall into the habit of looking at screens before bed, as this affects circadian rhythms. Don’t use your snooze button and be sure to make a to do list to start off your day with.

3. Avoid Becoming a Couch Potato

Even though a successful person can easily afford to obtain cosmetic surgery or other treatment if they’ve let themselves get out of shape, they will typically do everything in their power to take care of themselves. Why is that? A successful person knows that achieving their goals starts with the proper fitness and dietary regimen. Regular exercise keeps the mind sharp and allows us to click on all cylinders.

4. Working When You Don’t Want To

Spoiler alert: successful people do not always want to work. The difference between someone who is successful and someone who is not? Their willingness to push through these types of emotions and force themselves to work anyway. The next time you are not in the mood to work, push yourself for an extra 15 minutes. It’s a great way to develop positive momentum.

5. Keep Distractions To A Minimum

Checking e-mail, Twitter, Facebook, Instagram, these are all massive drains on our time. A successful person checks their e-mail and their social media accounts, but they do not keep tabs open and do not monitor them constantly. The best course of action is to set aside a designated period each day to check in on them, so that you are not wasting valuable work time.

The post Learn About 5 Habits Of Successful People To Become One appeared first on American Preppers Network.

8 Frugal And Forgotten Ways Your Great-Grandparents Made It Through Hard Times

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8 Frugal And Forgotten Ways Your Great-Grandparents Saved Money


As I’ve grown older, I’ve noticed that life has gotten more expensive. I’m not talking about the almost-natural increase of inflation; that’s to be expected. No, what I’m talking about is the way that lifestyle choices make things more expensive. Things that are considered the “norm” today were considered luxury 20 years ago.

This has been brought home to me in a number of ways, mostly through my own, now grown, children. When my youngest graduated from college, she came home and bought a car a few months later. Now, that’s not unusual in and of itself, but she bought a Buick. When I was her age, we saw a Buick as being a rich man’s car, not one for someone working a low-paying job just out of college. Yet, that’s what she had to have, in order to get the luxury options that she wanted.

This same theme repeats itself over and over in everyday life. We carry around $600 cell phones as if they were nothing; and if it drops, breaking the screen, that’s OK. We wanted a new one anyway. We eat at fancier restaurants, and even fast food joints carry more elaborate selections than they once did.

I remember Dairy Queen being a treat, but today, it has to be one of the fancy frozen yogurt places. Everyone has big screen televisions and you have to have either satellite or cable to get the selection of programming you want. Yes, life has definitely gotten more expensive.

We’re so busy spending money on things that have become the norm in our society, not even realizing that we don’t need those things., or that we could get by just fine with much less. I mean, does anyone really need a $7 cup of coffee that much more than a dollar one?

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My parents’ generation couldn’t even think of paying for many of the things we think are normal today; for that matter, the younger version of me couldn’t. But as we go back in time, we find that our grandparents and great-grandparents were even more frugal. Why? Because they had to be. They didn’t have the disposable income that we have today and what income they did have, they didn’t consider disposable.

8 Frugal And Forgotten Ways Your Great-Grandparents Made It Through Hard TimesWe could learn a lot from our grandparents and great-grandparents; especially in how to live frugally and make our money go farther. Then, we might have more money to spend on the things that really matter, like giving our families some security.

Here’s how they saved money and made it through hard times:

1. Do you really need it?

Let me finish ranting about all the expensive stuff we buy today. The real question is; do you really need it? Do you need that $5 cup of coffee or will you be just as satisfied with the $1 one at the convenience store? Shoot, my convenience store even throws in the fancy, flavored creams, so you can have flavored coffee for a buck or a buck and a half.

It’s fun and special to go out someplace expensive or to eat fancy ice cream. I enjoy it just as much as anyone. But, I leave it to be something special. Rather than buying all of my ice cream from Marble Slab, I buy it at the grocery store. If I want it fancy, I throw some fruit, nuts and chocolate syrup on it at home. Then, I can save the trip to the fancy ice cream store for special times, making the trip special, rather than making the special ordinary.

2. Don’t be in a rush to replace it

Henry Ford’s Model T was probably one of the most boring cars in history. Compared to its contemporaries, it had little to attract attention to it … except for one all-important feature: the price. You could buy a Model T much cheaper than any other car out there.

But the T lacked in some things that might attract buyers today. There weren’t a long list of “standard options” that you could order. For that matter, there weren’t any options. When you bought a T, that’s what you got. If you wanted something different, you had to do it yourself. You could have any color you wanted, as long as it was black.

As cars became more commonplace, the automotive industry realized that they were going to have to do something to keep people buying their new cars. So, they came up with the idea of model years. Now, you can buy the exact same car, with a few insignificant but highly visible details that are different, and you’ll have the latest and greatest. You could snub all of your neighbors and friends who didn’t have the current model, like you do.

This is actually one of the greatest marketing victories in history. In fact, it’s been so great that everyone else is copying it. Everything from can openers to rocket ships now has model year changes. Electronics are the worst. Why do they do this? To entice you to buy the new model. That way, they get more of your money.

Let me ask you something. Does your old cell phone work? If it does, why would you need to replace it? I keep my cell phones for an average of seven years and then finally replace them when they break. But most of the people I know replace theirs every year or two. They just can’t wait to get the new model, with all the new whistles and bells.

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Break the habit of replacing things so quickly and you’ll find that you have more money. It’s amazing how that works.Think twice, buy once

3. Think twice, buy once

Impulse buying is another way that marketers have found to separate us from our hard-earned wages. If they can get us to buy it on the spur of the moment, we’ll probably buy it. But if we decide to think about it overnight, chances are that we’ll decide we don’t need it.

This is what our grandparents did, but it’s gotten lost in time somehow. I remember my parents telling me to always wait a day before making a major purchase. But you don’t see many people talking about that today. In our instant society, we want it now and we’re going to get it now, even if that ultimately hurts us. Let’s just say, that’s not the smartest thing we can do.

8 Frugal And Forgotten Ways Your Great-Grandparents Made It Through Hard TimesIf anything, the Internet has made this worse. I’ve been offered countless items on Facebook, which I just looked at on somebody’s website, especially Amazon. They want to make sure I buy it, before I lose my desire for the item. If they can get me to do that, they win and get my money. It’s not about good customer service; it’s about getting you and me to buy.

Taking your time to make buying decisions is one of the easiest ways there is to save money. Not only that, but your home won’t be filled up with stuff that you don’t use. You’ll actually have things that you want to have, instead of things that someone else wants you to have.Reuse, repurpose, recycle

4. Reuse, repurpose, recycle

Our grandparents and especially our great-grandparents were experts on reusing and repurposing things. They rarely threw anything away. Anything they had, including the packaging from things they bought, was reused for something else.

I can still remember my grandmother’s kitchen with its stacks of plastic storage containers. Only … those containers weren’t made by Rubbermaid or Tupperware; they were old margarine and Dream Whip containers. She’d clean them out and use them to store food in the refrigerator or any number of other things.

Back in the pioneering days, everything got reused. Burlap bags became towels (even though they are a bit scratchy), old clothes were either remade into clothes for children, cutting out the good parts of the fabric, or turned into rags. Barrels and casks were used for anything from storing grain for the horses to water tanks. If it would hold something, they’d find a way to use it.

We still see this in Third World and emerging countries. I’ve bought containers of candy to give to kids in Mexico, and had their mothers ask me for the container, once I passed out the candy. To them, that empty container was just as valuable as the candy that their children had eaten.

5. How much do you really need?

Here’s another subtle marketing trick that our grandparents didn’t fall for. Have you ever noticed how much of a product is typically used on a television commercial?

Take toothpaste, for example. There’s always a point in the commercial where they squeeze out the toothpaste onto a toothbrush. It’s a nice long line, covering the whole top of the brush, with a nice curl on the end. So, when we go to brush our teeth, we do the same. We don’t realize it, but we’ve unconsciously gotten the message that we need that much toothpaste.

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But how much do you really need? Can you get by with half of that and still get your teeth clean? I won’t tell you if you can, because I’m not a dentist. But I will tell you this; I do.

We use countless products every day, without thinking about how much of that product we really need. That ultimately causes us to use more of the product and sends more of our money into those companies’ coffers. Why not figure out the least you need and use that?

6. Be willing to wait

Another result of our instant society is that we expect everything now. We can’t even wait one minute, once we decide that we want it. After all, why should we wait? We’ll just charge it.

I think my grandparents would have fainted at the idea of buying things on credit, especially my mom’s parents. Back then, if you wanted something, you saved your money until you could afford it. If that meant you had to save for years, you did it. If that item was really that important to you, you’d make that sacrifice and save. You’d also be willing to wait.

Do you have any idea how much of an interest rate your credit card company charges you? If you’re like most people, you don’t. Credit card debt is one of the most crippling things for a family’s finances.

Believe it or not, there are actually forms of debt that are worse than credit cards. Those payday loan places where you can borrow $1,500 for six months are murder. Their interest rate is so high, they don’t even tell you. That’s not a problem, as the only number most people want to hear is the monthly payment. Hock shops are worse, but that’s because it is short-term, high-risk loans.

7. Do it yourself

We don’t even have to go back to our grandparents for this one, although I’m old enough to qualify as a grandpa. When I grew up, a man taught his son how to do things for himself. Therefore, the average boy would grow up learning how to change their car’s oil, do common mechanic’s work, be a fairly good carpenter, know a bit about plumbing and maybe even know how to shoe a horse (if they lived in horse country).

This training for self-reliance has somehow gone by the wayside. When I look at my children’s generation, so many of them don’t know how to change the oil on their own car, let alone swap out a bad alternator. The average person’s understanding of plumbing is to look down the drain and say, “Looks like it’s time to call the plumber.” Somehow those skills haven’t been passed on.

8 Frugal And Forgotten Ways Your Great-Grandparents Made It Through Hard TimesPaying someone else to do everything is expensive. They need to eat, too, so you’re covering their life expenses. Don’t get me wrong; that’s fair. If someone works for you, you should pay them, and pay them well. But let them work for someone else and learn how to do it yourself.

Through the years, I’ve amassed quite a collection of tools. Over half my garage is actually my workshop and I use the other half when I’m building large projects. But even with all the thousands of dollars I’ve spent on tools, they’ve saved me more than what they cost me. Buying tools becomes part of every project; and as I buy them, I guarantee myself savings in the future.

8. Repair it, don’t throw it away

Speaking of those tools, they also help with repairing things, rather than throwing them away. We’ve become a disposable society, but as I mentioned earlier, our grandparents weren’t that way. They would fix things and keep on using them as long as possible, not throwing them away.

This is another marketing ploy, which is taking money out of our pockets. By making things hard to repair and parts hard to find, manufacturers ensure that we’ll throw things away, rather than repairing them. But that old vacuum is really just as good as a new one, if you can find a new switch and put it in.

I get annoyed about this, especially when I’m trying to find parts for things that I own, which have broken down. Few manufacturers still offer replacement parts, except for things that are considered maintenance items. But if they can use the part in the factory, I can’t see why they can’t package some of them for sale as replacements. That’s usually one of the most profitable parts of any manufacturing business.

Fortunately for me, I’ve got an engineering background. So, I’m pretty good at repairing. If I can’t find the right switch for my belt sander, I’ll find one that will work (I did this). It may not be as pretty, but I’ll save myself a bunch of money.

By the way, don’t use the fact that you’re not an engineer as an excuse to not try and fix something. I’m a self-taught engineer, even though I worked at it professionally for 15 years. If I can teach myself, you can, too. After all, I didn’t have YouTube or the rest of the Internet to help me.

What frugal, money-saving tips would you add to this list? Share your ideas in the section below:

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Making money and rural living!

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Making money and rural living
DJ Cooper “Surviving Dystopia

Making money and rural living HOMESTEADI hear it over and over. Always the same problem and the one big problem many homesteaders struggle to overcome. In a rural setting often times jobs can be scarce. How can you make money to pay for things like taxes and incidentals?

3-2-16 diggingThis is likely the number one issue faced by the self-sufficient aficionado and sometimes it is also the most difficult to navigate because it seems like the options are so limited. Does it seem like no matter what you do the options are so limited that you wonder if you will even make it? Have you tried things like sales or a farm stand and wonder why you end up spending more than you make?

Making money and rural livingThis episode on Surviving Dystopia we explore some of the usual avenues for home based earning but also some unconventional ideas and options as well. There are the usual working options also, like commuting, which is at the least time consuming and can be expensive. How about some kind of transportation that keeps you from home for sometimes weeks at a time? Do these both seem kind of pointless as your goal seems to conflict with the excessive away time these offer? So what is there to do?

I would love to explore a number of options that require only internet. Others that you can use your creative nature and still more, that just require brute strength or simply some good ole’ fashioned ingenuity.

I want to share with you some ins and outs of a few of the options out there. The number one thing you need is desire. A desire to find a way to make your dreams work for you. After that some just run on sheer determination.
Surviving Dystopia Blog:www.survivingdystopia.com
Join us for Surviving Dystopia “LIVE SHOW” every Wednesday 9:00/Et 8:00Ct 6:00/Pt Go To Listen and Chat

Listen to this broadcast or download “Making money and rural living” in player below!

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Archived shows of Surviving Dystopia at bottom of THIS PAGE!

The post Making money and rural living! appeared first on The Prepper Broadcasting Network.

Why Sound Financial Planning?

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Why  Sound Financial Planning?

Financial PlanningThe number one lesson we have been taught by the economic crisis of 2008, is to be very careful with where we invest or what we do with our cash. It has likewise taught us that in times of uncertainty, consulting your counselor could be the best step to take. The economic collapse in 2008 likewise opened open doors for master financial planners and beginners who are looking for individuals and organizations to multiply their assets.

On the off chance that you are wondering why you or your business needs financial planning, here are some of the major advantages.

Minimizes Risks

Financial planning empowers organizations or people to assign the appropriate amount to the right area that needs change or more investment in a convenient way. This minimizes risks and wrong investment. Productive financial planning would then in the long run lead to better income and effective cost administration.

Enables You To Make Effective Decisions

Financial planning exhibits the expenses and revenues of an organization or individual in numbers, giving them a clearer perspective of what they will be putting resources into. This makes it easier for business leaders to go and stop an agreement or undertaking.

You Can Forecast Profits And Losses

A financial plan is made on a yearly basis. This financial conjecture clarifies how much expense and revenue the business or individual ought to anticipate and when to expect it. This not just shows to what extent the wait will be, additionally it also forecasts the amount of profit that can be expected. Each month, a financial plan is likewise made to contrast with the yearly plan and check whether the objective is being met, surpassed or something else. This cautions the entrepreneur or individual of potential outcomes and postured dangers in the speculation, and on the off chance that it’s an ideal opportunity to give up or not. In spite of the fact that it is not generally right, as there are such a variety of things that could influence the business’ financial status, financial planning and administration makes it simpler to see what is and what can be.

While a few individuals or entrepreneurs wouldn’t want or need a financial planner as they can do this all alone, there are some who might require a planner’s help to get the heap off their backs. In any case, when searching for a financial arranging organization to handle this task, here are the things you need to consider.


Locate an authorized or certified financial planner, which signifies their capacities and validity. Don’t simply bounce on the first firm that comes your way in an edgy move to discover one.

Pay structure

There are two noteworthy pay structures your planner might be using: expense based and commission-based. Nothing of the two is superior to the next; it is truly up to the organization or individual what he/she inclines toward. There are likewise planners who, similar to free-lancers, can be paid by the hour or when you just need them.

Advice Over Promises

Search for financial planners who can give you sound guidance about your endeavors and the issues it faces. Planners who over-guarantee productivity and profitability might just disappoint as a considerable measure of things can happen in the financial world that can influence its execution at whatever time.

Personal financial planning can help you in several ways. If you make a monthly budget and adhere to it strictly, you will know what exactly you’re spending where. This will give you greater decision making power, in turn helping you cut down unnecessary costs. If you’re one of those drowning in student loan repayments and credit card payments, you definitely need to try financial planning and budgeting.

The post Why Sound Financial Planning? appeared first on The Prepper Broadcasting Network.

Silver, the unseen benefits!

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Silver, the unseen benefits!
James Walton “I Am Liberty

Silver, the unseen benefitsIf you frequent any prepper website its likely you are inundated with information about buying gold and silver. Most adds can be as ostentatious as to tell you that “quickly before the dollar is devalued to 0” you must buy gold and silver. Then there is a quiver inside you. Fear begins to chip away at your common sense and you make poor decisions. If you have a desire to get into buying silver read this article to find out the benefits that go far beyond an economic collapse.

Early on I bought into this idea. I bought silver at $25 and I have bought silver at $13. There was a time when I felt pressured to purchase silver because I thought we wouldn’t be able to afford bread if I didn’t have an alternate means to pay for it. The wheel barrels of money type of thing had a hold of my consciousness. Pretty soon, however, something began to happen.

I started to fall in love with these gleaming pieces. These incredible designs and the weight and worth of the metal began to take me over like a spell. Soon it became less about price and more about design. I started seeking out certain pieces with my son and we enjoy going to different locations and buying silver.

Silver pieces that are brought out only on “special occasions” are a great way to inspire your children to begin counting. They are these beautiful, shiny things that kids want to touch, when they are permitted to. This is a great way to get children excited about counting and math that doesn’t involve flash cards or phone apps.

If you find a quality dealer they will have the ability to engrave coins as well. This gives you an incredible option for creating very important and nostalgic pieces for your collection. Just recently Silvertowne, one of my favorite dealers, has created a small case for silver coins that transforms that coin into a Christmas tree ornament. Awesome.

Of course beyond all of this warm and fuzzy that goes along with collecting, buying, hoarding, storing or stacking, there are also the benefits of owning a very real and tangible asset.
Visit I Am Liberty website Go Here!
Join us for I Am Liberty “LIVE SHOW” every Friday 9:00/Et 8:00Ct 6:00/Pt Go To Listen and Chat

Listen to this broadcast or download “Silver, the unseen benefits” in player below!

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Listen to archived shows of I Am Liberty at bottom of THIS PAGE!

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Money Mondays: How to Find Extra Cash from Bills

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We want to add to our preparedness fund, but the budget is tight.

I mentioned in an earlier post we cancelled cable and found several free or lower cost alternatives. It’s been a couple of years and we do not miss it at all. I actually wish we had done it sooner.

Now we are reviewing every bill line by line to see if we can either lower them even more. Continue reading

The post Money Mondays: How to Find Extra Cash from Bills appeared first on Apartment Prepper.

The Paper Towel Dilemma

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The paper towel dilemma. How to replace paper towels with cloth rags and napkins | PreparednessMama

Two years ago my family quit using paper towels. In an effort to reduce our waste and save some money we used that last roll and went cold turkey. No more paper towels at all! There was a bit of grumbling from my husband, but for the most part we adjusted pretty fast. That lasted for […]

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Four Family Related Disasters Your Should Prepare For

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firedpreparing for the things that are more likely to happen to you such as a job loss, a long illness or broken bone. Other things to prepare for is a divorce, death of a loved one including a pet. It is the day-to-day things that we need to prepare for first before preparing for the large events such as a EMP, global economic collapse or some other national or global event.

The post Four Family Related Disasters Your Should Prepare For appeared first on Vigil Prudence.

3 Ways to Extreme Coupon Your Way to a Huge Stockpile!

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Written by Guest Contributor on The Prepper Journal.

Editor’s Note: This post is another entry in the Prepper Writing Contest from Sandy Swizz. If you have information for Preppers that you would like to share and possibly win a $300 Amazon Gift Card to purchase your own prepping supplies, enter today. Originally I wasn’t going to write an article for the Prepper Writing […]

The post 3 Ways to Extreme Coupon Your Way to a Huge Stockpile! appeared first on The Prepper Journal.

Energy Efficiency: 10 Way To Increase It & Save Money At Home

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Every single saved cent matters these days which is why you should increase your home’s energy efficiency as much as possible. You can increase your home’s energy efficiency in many other ways – from improving your bathroom eco-friendliness to redoing home insulation – even though we are in the age of the renewable energy and economical appliances. While improving the energy efficiency of your home will not aid you in a zombie attack, it will surely make it easier on your wallet.  That means you can save up for rainy days. And by “rainy days,” we mean the zombie apocalypse!

Here is a ten tier agenda for turning your home into a modern, economical place:

1. Water-Reducing Faucets

Gallons of water are sent through old-fashioned faucets on a daily basis. A home owner aware of this problem we have with drinking water on the global level will install faucet aerators. These devices reduce the amount of water coming from the faucet.  Reducing the water running through the faucet prevents water from being wasted and increases the pressure of its flow.

2. Modern Shower Heads

A quick shower saves more water than taking a bath. Keeping yourself clean can be even more efficient if you replace the old shower head with a new one. The new ones have a similar impact on water consumption that faucet aerators do. They reduce the number of gallons per minute consumed and increase the pressure; both of which improve the shower experience.

3. Bathroom Bulbs

The bathroom is one of the most well lit places in every home.  This fact is especially true during the winter season. Replace your old incandescent light bulbs and install new bulbs in your bathroom to increase your home’s energy efficiency. Both CFLs and LEDs are more efficient than the old incandescents.

4. Bathroom Window(s)

Bathrooms need to have a special air-refreshing system due to their typical use. It goes without saying that every bathroom should have a vent fan for taking away unpleasant odors.  It is also very important to replace your old bathroom windows with newer, more efficient ones.  They will reduce the amount of energy wasted through the panes.

5. Mind The Fridge

The kitchen, much like the bathroom, is a huge energy consumer. It is vital to install new, Energy Star appliances.  These appliances greatly reduce the energy wasted compared to the appliances made twenty years ago. The only in-kitchen appliance that runs all the time is the fridge.  Following the guidelines to get an Energy Star-friendly fridge will decrease your overall energy costs in the kitchen.

 6. Oven Education

Most families still use the oven on a daily basis. Modern ovens have dozens of programs and options. Educating you and your family on the oven’s operation will increase your home’s energy efficiency and waste as little energy as possible. Getting to know your oven will contribute to the enterprise of cutting your home energy bills.

7. Install Ceiling Fans

Owners of smaller homes should install ceiling fans even though air conditioners are becoming more energy efficient. These type of fans consume far less energy than any kind of air conditioning unit and have the added luxury of pushing hot air down in the winter as well as cooling down rooms in the summer.

8. Improved Insulation Increases Energy Efficiency

You can invest thousands of dollars in individual energy improvements.  One of the best investments, however that you can make in your home is to properly insulate the roof and basement. Likewise, make sure that heating and plumbing pipes are properly insulated as well.

9. Layering Walls

In order to reduce the level of dampness and humidity in a home, as well as to minimize through-wall heat leaks, every homeowner should take care of exterior wall cladding. Your home will be a sealed, warm place after this step.

10. Smart Thermostat

Everything related to homes should be tech-smart and efficient these days.  Why wouldn’t your thermostats follow the same pattern? If you want to make your heating and cooling systems even more efficient, invest in a programmable thermostat. In order to take all the advantages of this device, learn how to adjust it and use it.

Energy Efficiency Conclusions

These are only some tips and strategies for cutting your energy losses. Every home is different which is why you might want to consider hiring a professional energy auditor.  They will inspect your home and provide you with all the data necessary to maximize your home’s energy efficiency.

energy efficiency

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Penny Pinching Prepper!

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Penny Pinching Prepper Show
Josh “The 7 P’s of Survival”

Penny Pinching PrepperThis Week on the 7 P’s of Survival Live Show we will have Bernie Carr from Appartmentprepper.com and the author of the new book “The Penny-Pinching Prepper!” We will discuss several preparedness related topics covered in her book including: water distillation and alternative water purification methods, stocking a prepper pantry on a budget, building a DIY rocket stove, Navigation tips and tricks, and diy soap making. Buy your copy of her book HERE! Be sure to come to chat and call in with your questions this week as we will be giving away a copy of Bernie’s book and also “Lights Out” by Ted Coppel!

Penny Pinching PrepperThis book offers dozens of affordable and easy-to-implement solutions, including how to stock a prepper pantry on $10 a week, build a stove from used tin cans, create a water filter with two free 5-gallon buckets, craft a lamp that burns inexpensive vegetable oil, devise a storm shelter using 10-cent trash bags and more. Packed with inexpensive DIY projects for keeping your family safe in any worst-case scenario, Carr’s smart and frugal approach shows how to stay on a stable financial footing while fully preparing for any life-threatening situation.

Bernie also highlights old-fashioned skills like cooking from scratch as a doubly beneficial way to save money and increase your self-reliance. No matter what your setting or your financial situation might be, you will find practical suggestions in this book. It neatly straddles the line between a frugality guide and a prepping book and would be a great gift to inspire someone who is new to the preparedness lifestyle.

About the author:
Penny Pinching PrepperBernie runs the popular website ApartmentPrepper.com, where she writes about family preparedness for the city dweller living in a home that is different from the usual prepper retreat. In her bio, she writes, “Many preparedness sites that I have read gave me good information but much of it is geared toward people who own their homes or have a retreat. While this is one of our goals towards which we are working, we are currently not there yet. So I needed to do something in order to feel more productive. There are some steps we can take now to become better prepared and self sufficient, while living in an apartment in a large city. I am writing this blog to help not only myself but others who are in the same situation and want to have more control.”
Penny Pinching Prepper Show

Join us for The 7 P’s of Survival “LIVE SHOW” every Tuesday 9:00/Et 8:00Ct 6:00/Pt Go To Listen and Chat

Listen to this broadcast or download “Penny Pinching Prepper” in player below!

Get the 24/7 app for your smart phone HERE!
Put the 24/7 player on your web site HERE! 
Listen to archived shows of all our hosts . Go to schedules tabs at top left of page!

The post Penny Pinching Prepper! appeared first on The Prepper Broadcasting Network.

Sponsor Highlight: Classic Firearms

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Classic Firearms has been a sponsor of this website for a little over 6 months. I have heard from several readers who have been customers and appreciated their low prices and excellent customer service. Classic Firearms carries a large selection of rifles, pistol and shotguns as well as firearm accessories.

Looking at their current offerings they have some very good deals going on. Remember – prices may change at any time and often limited quantities are available.

Here are a few of their current sales:


I.O. M247 AK-47 Poly Stock Rifle

Was: $529.99  Sale Price: $499.99!

The design and construction of the AKM247 is based directly from Polish AKM blueprints and features several upgrades over the traditional AK, including a tough polymer furniture set.  This American made AK is also a great value.  See the Live Fire Video, Introductory Video and then watch Ben dump some ammo in a torture test.



Glock Law Enforcement Trade-Ins

Save Big!  Starting at $299.99!

This is a really nice batch of Police trade-in pistols that we were able to acquire from a major Police Department in the eastern part of North Carolina.

Glock 21 Gen 3 w/ Night Sights$399.99

Glock 22 Gen 3 w/ Night Sights$299.99 LOW STOCK!

22C (Compensated) Models Now Available!

Glock Original Used Mags Are Avialble Here Too!



Core 15 Scout AR-15

Back in Stock!  Only $539.99!!  Whoa!

California Compliant Option Available

All of the reviews say that Core Firearms offer more bang for the buck than any other rifle at this price point and in a similar configuration on the market place today. We agree and think that when you shoot one you will too. Honestly, even I’m surprised we’re able to bring this great rifle to you at this low of a price.  Get one while you can – you won’t be disappointed!



Wolf Polyformance .223 55gr FMJ Ammo – 500rd Case

Reg. $140 / SALE: $124.99

WOLF Polyformance Ammunition  – Accurate and surefire.  There has been more Wolf Brand ammunition purchased/sold in this country over the last 10 years than all other ammo manufacturers combined.

Accurate, affordable and reliable. Polyformance brand has a unique polymer coating on the casing for increased smoothness in insertion and extraction.


NOTE:   This is a 55 grain bullet weight


Palmetto State Armory .308 PA10

Was: $849.99  Sale Price: $799.99!

Palmetto State Armory PSA P10 features a 416R stainless steel barrel chambered in .308 Winchester with a 1/10 twist and a mid-length gas system. This is one sweet looking AR-10 and great performing little powerhouse.



Rock Island Armory 1911-A1 CS Tactical .45 ACP, 3.5″, 7rd, Compact Model 51429

Reg. $519.99 / SALE: $474.99

The Rock Island 51429 M1911-A1 CS Tactical Pistol in .45 ACP features a 3.5-inch bull barrel, parkerized finish, smooth wood grips, front dovetail ramp sight, rear snag free sight, series 70 type firing system, guide rod, combat hammer, skeletonized trigger, single action trigger, an overall length of 7 inches, an unloaded weight of 34.56 oz, and a 7+1 capacity. If you want a nice little concealed carry piece, with some custom features, and all the stopping power of a full .45… then this is the one for you.


Help support ModernSurvivalOnline when shopping online

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If you enjoy this website and would like to support it – it is very simple and easy: Often articles will have links pointing to products over at Amazon.com. If you click on any of these links and make a purchase – any purchase – ModernSurvivalOnline will receive a small percentage of the sale.

This purchase costs absolutely no more – zero – zilch – nada – than if you went to Amazon directly rather than entering via MSO.

Amazon has excellent selection, prices, and customer service.  I order from Amazon at least monthly and purchase things like CR123 batteries, books, knives, firearm accessories, and even vacuum cleaner bags.

So – if you are buying stuff online this Holiday season and you plan to visit Amazon – I would appreciate it if you would click on an Amazon.com link here first and help support our efforts.

 I will post up a reminder in a couple weeks. Thanks!!




Amazon Prime and Audible books

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With the holiday season well underway figured I would share a couple of resources I highly recommend. I use both of these quite frequently.


Amazon Prime is the first. I have been a member for the last several years. What I like about Amazon Prime is for most any item I purchase I get free 2-day shipping. Combined with the great prices I really like this. Prime members also have access to thousands of movies and TV shows which can be streamed. I utilize this service all the time on my Roku boxes.

Right now you can try Amazon Prime for free for 30 days. Go HERE for more information or click the banner below.



The second is also part of Amazon – it is Audible books.

I have “read” over a dozen books in just the last 3-4 months. I do this by listening to books on my way to work, the grocery store, during trips, or out running errands. So far I have been very impressed with the way the narrators change their voice for each character. It is like a movie for your mind.

I listen using different devices including my cell phone, Kindle Fire, and sometimes on my computer.

If interested in trying Audible books go HERE or click the banner below and get two free books for trying it out.


Have a good rest of your week.





November’s “Harvest Sale” from Emergency Essentials

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As usual I highlight monthly sales from Emergency Essentials. They have been supplying high quality food storage products and preparedness equipment for decades. Fantastic company!!

With Fall/Winter well underway many folks are putting stuff back to prepare for harsh winters and whatever else may come our way. These sales from Emergency Essentials are a great way to stock up and save money.

Here is just a sampling for this month’s Harvest Sale:

Freeze Dried Peach Slice – large can  Reg. $40.95 / SALE: $19.99

Freeze Dried Strawberry Dices – large can  Reg. $24.99 / SALE: $17.49

Instant Nonfat Dry Milk  – large can  Reg. $21.99 / SALE: $15.95

Freeze Dried Green Beans – large can  Reg. $19.99 / SALE: $12.49

Freeze Dried Pomegranate Arils – large can  Reg. $49.99 / SALE: $19.99

Mountain House Freeze Dried Ground Beef – GROUP SALE:  Reg. $59.99 / SALE: $35.00 per can (min. 12 cans purchased)

Mountain House Scrambled Eggs Pouch – Reg. $4.99 / SALE: $3.69

High Uninta Trail Hiker Backpack – Reg. $39.99 / SALE: $21.99

10 Pack 500cc Oxygen Absorbers – SALE: $1.49

Brownie Mix – large can  SALE: $9.49




For more choices and information – click HERE.











Prepper’s Survival Hacks

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Prepper's Survival Hacks by Jim Cobb - Book Review | PreparednessMama

50 DIY Projects for Lifesaving Gear, Gadgets and Kits by Jim Cobb. In this straight-talking, no fluff, practical guide Prepper’s Survival Hacks (Amazon), Jim Cobb outlines 50 DIY projects that you can do to become more prepared. Cobb chose topics that would help you to survive a variety of disasters, including how to find or create […]

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Fall for Planting Trees?

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Fall for Planting Trees?

Fall for Planting TreesThe other day, my husband and I loaded up the kids and took a trip to the local farm supply store. Our objective was to get feed for the goats and sheep, and the chickens, as well as a few heat bulb for our adolescent chickens. As we approached, we saw some of the trees that were left from the spring. Still green, but the leaves were falling off, they were fast approaching their dormant stage. As we got closer we saw the sign, the sign that changes your plans.

50% off our nursery stock.

SOLD! $9 for 3 year old fruit trees!?! You know we couldn’t pass that one up. My husband and I looked at each other. Money? ~sigh~ I know. Fruit? yep. Should we? In the long run, it will be worth it. Agreed. {as I said previously, my husband and I are very articulate people}

There was about a dozen or so trees available. We looked at the tags, most were apples, but we already have 4 apple trees, 1 pear tree that has been graphed to produce 3 types of pears, a cherry, a peach and a plum. Our nectarine had been killed in the late frost earlier this year. And there it was, 1 nectarine left in the bunch. I took it. My husband declared that he loved my plum jam, so he decided that another type of plum was needed. It saddened me a bit, because the only reason we got our first plum tree was because of my father, so I was reminded of him. But my husband did indeed like the plum jam, so it was all good.

Wait a minute Phelan, it is cool out now. I know, I hear you. That bitter north winds are starting to cut through the landscape. Frost has arrived at least once by now. Why on earth would we go ahead and buy trees to plant? Autumn is a prime time to plant trees. With them in their dormant stage, they have time to establish roots systems without worrying about getting nutrition to the rest of the sleeping tree.

Bare root and burlap roots are the best for fall planting, but if you happen to find a deal like we did, and the trees are in containers make sure they get the required amount of water. Plant your fall trees as you would your spring ones. They need to be mulched in with organic materials, in wide shallow holes. If you can get them in the ground before the hard freeze of winter, before the soil loses it’s warmth, you will see that those fall planted trees do better, then your late spring, early summer ones.

I would suggest going out this weekend to the places you saw the spring time trees for sale. More than likely they are on sale, and you can get a great deal.
Originally posted on APN

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Prepare For And Adjust To A Financial Collapse

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njnmnwThere is a lot of talk about the possibilities of a financial collapse. There are a lot of indicators that a financial collapse is possible. In my humble opinion, I believe a financial collapse is probable, but this blog isn’t about the indicators of what leads me to that opinion.  No, today I want to […]

The post Prepare For And Adjust To A Financial Collapse appeared first on Vigil Prudence.