Welcome to another issue of my newsletter. As promised, I am sending this to subscribers to keep them informed of what is happening on the website.

Thank you for subscribing to my newsletter. I am honored that you have expressed an interest in staying abreast of website content, and are interested in my insights regarding frugality, living debt free, and being more self-sufficient.

I'm pleased to announce that I recently added 8 new pages as designated by the numbers that follow:

1) A new navigation bar page called Avoid the Scams. It's dedicated to helping you keep money in your pocket by identifying scams and other questionable products and services.

Links on the Avoid the Scam page include:

2) An approach to staying out of book clubs and other "on approval" sales organizations.

3) A way to protect your credit card information from high pressure sales people who want to get you obligated for something that will be charged to your card.

4) My critical evaluation of a portable heater (of some new fangled technology) that is supposed to save you lots of money heating your house.

5) A look at the old Dream Away diet plan. You'll get a chuckle out of this.

False claims, product hype and clever advertising are all things we need to watch out for. We need to be aware of what is going on so we can steer clear of activities that are designed to transfer money from your pocket to others.

take me to Nav Bar page Money Making Scams

take me to Book Club

take me to Credit Card Protection

take me to Portable Electric Heaters

take me to Diet Scams

There are also three other new pages that may be of interest to you. The first two are in response to full page ads in our local "Trader's" that claim thousands of people don't have a bank account, but instead use the "money store" type check cashing establishments. If you're one of these people, let me help demystify banks with:

6) A page on "What is a bank?"

It makes no sense to me that we are paying people to cash checks that we earn, when we could be paid for having a bank hold onto our money for safe keeping. I understand that some people don't have enough for the minimum deposit, but a bank that really wants to help will find a way to get your money in their safe keeping without charging you one dime.

If you're concerned about bank fees, I created another page to explain how to avoid them.

7) Bank Fees

Here are the links to the two bank related pages.

take me to What is a Bank

take me to Bank Fees

The last page I added is about heating with wood. It is an overview of the joys, labor, risks and rewards of heating with wood. It's not designed to show you how, but give you a good introduction to:

8) Heating with Wood

take me to Heating with Wood

The next heads-up I want to give you is that I eliminated the following navigation bar pages...

  • Save Gas
  • Auctions
  • Garage Sales
...and put them, and their related links, under the Frugal Living Tips navigation bar page. It seemed to me that they were all related to saving money, so I took them off the nav bar to make room for more general topics like:

  • Avoding Scams
  • Frugal Friends
  • Do It Yourself
  • Managing Money
  • Getting out of Debt

With these additional nav bar pages, I've bitten off a lot to chew, but then I think it's necessary to round out the whole idea of frugal living, financial freedom, being debt-free, and more self-sufficiency. Besides, I need something to keep me out of trouble for the next couple of years.

I'll probably add one more nav bar page about Home Brew Energy - yikes! Not another general topic! But, that will have to wait until I get my wind turbines up and running.

Lastly, I'm aware that some of my pages are rather long, so I have plans to reorganize pages, make more smaller ones, and make certain the pages are more reader friendly and "bite size" for easier reading and navigation. Don't worry if you've booked marked a page, the address won't change, only it's location and some content (for the better of course).

If you are receiving this in text format, the links to the new pages might not be complete. You'll have to copy and paste the link into your browser in order for it to take you to the correct page. Please use the Contact Form on the website to let me know you're having trouble, and I'll send you the links directly via e-mail.

Also, some of these newsletters "bounce", and I have no idea of which ones don't get through. So, if you aren't receiving the newsletter regularly, please take a look at the back issues available through the link below.

Happy New Year to all. I wish the best to you and yours as we all weather this economic roller coaster ride.


Thanks again for subscribing, and good fortune to you and yours.

There certainly is a broad scope of topics here at Frugal Living Freedom. When you think about it, money permeates so very many activities in our lives, therefore, being frugal encompasses a wide range of interests, from being employed to taking a vacation, and just about everything in between. Enjoy the variety, pick up some new ideas, and start making frugality a part of your signature.

I'm a big proponent of being debt-free, and I mean entirely debt-free - no mortgage payment. It's not essential for financial freedom, but you'll love the feeling once you get there. If you didn't have a rent or mortgage payment, how much more could you do for yourself with your current level of income? I suspect plenty.

If you ever hope to see an abundance of wealth, you need to plug the hole in your boat. The wealthy don't necessarily make lots of money, instead, they know how to hang onto what they make, and make it work for them.