The Top 15 Ways to Save Money in a Down Economy



The top 15 Ways to Save Money in a Down Economy


Ok! It is time to fight back!! The economy is going down, down, down! It is time to learn some ways to save money, and still have close to the same quality of life.


I saw an article in the Oregon Statesman Journal that has some great ideas for cutting corners, and help you to not feel like you are in “Skid Row”


1.     Reduce the number of trips in your car. There should be a bus route near you somewhere.

2.     Maintain your car, including tires and tune-ups. I go as soon as it shows, “time to change oil.” This really saves you gas and you don’t have to spend a lot on a broken car.

3.     Check your insurance policies to make sure you are getting the best deal. Quite often your deductable can also be adjusted to give you less amount you owe for the premium.

4.     Plan your meals, and stick to your shopping list. Never shop for groceries when you are really hungry. I have and it is far more costly.

5.     Clip coupons, and use those store loyalty cards. This one can be a huge savings. Some of the coupons are as high as $1.00 off. Get organized and do a file small enough so you can carry with you to the store. Have the coupons arranged for in the best way for you to find them quickly. It actually can be fun. You pick up the thing you want to buy, see what it costs, and then you look at the coupon. You say, “There is another 75 cents I have saved!”

6.     Stay away from pre-packaged and convenience food.

7.     Buy in bulk. Some stores do not have this available. Tell them you want it, and that you are going shopping else where that does have them. Win-Co, Cost-Co, Roth’s, and Safeway have them. I do not know about the others. MUCH CHEAPER BY THE POUND!! Make sure you can store it properly.

8.     Get a little less expensive meat. All you have to do is cut the extra fat off. That is the only difference with some of the cuts you buy.

9.     Buy retail store brands. I can’t emphasize this enough. I worked in the grocery business for eight years during my college days. (I know the earth was still cooling then.) What I found out and tried to tell my costumers, was that the store brands as just the better brands with a different label on them. The retail store “hires” Heinz, Dole, De Monte, Nabisco, and Kellogg’s, etc. to package large shipments of their product, except they have put the retail stores name brand on the label. Why pay $3.95 for a box of cereal when you can get the same thing for $2.75 if you buy the store brand. Think about it.

10.                         Shop farmers markets for you produce. Not only is it cheaper     most of the time, but it is certainly a lot fresher.

11.                         Eat at less expensive restaurants. My new favorite restaurant is Applebee’s. They have some great food and their prices are usually lower than other restaurant for the same type meals. They also have special diet items on the menu, for people on Weight Watchers.

12.                         If you are over 50, get your AARP card now. I know some people think it is silly to get one, but I have used it more times then I can name. I have saved up to 25% by showing my card. Especially for traveling, and you KNOW I love to travel!

13.                        Try to turn your thermostat up or down a few degrees to save on heat or cooling.

14.                         Here is a big saver! You do not need to heat every room in your house. Close those doors to rooms you seldom go into, or use. Close the vents in those rooms too.

15.                         Let the clerks/servers everywhere know you are a senior. Department stores, grocery stores, or theatres give discounts.  Restaurants, both fast food and sit down, give discounts to seniors, but they need to know you are a senior before they can give it to you. They seldom ask, because management feels that some patrons may be offended if the server asks you if you are a senior. Tell them you are and be proud of it.


OK, you have had the class: Saving money 101. Now go out there and save money!


Send me an email to let me know if you would like more of this on this site. Make comments on this site to let others know what you did and how much you saved.





More Sports Information Than you can Ever handle

More Sports Information you Can Ever Handle

For those people who are coming here searching the wide world of cyberspace, the post today will be about sports. Some of it you may not understand who, or what I ma talking about, but bare with me. I have to appease the Oregon State University Beaver fans with some more trivia, and ramblings from Beaver sports. Stay with me, there will be a newsletter coming out soon that will be for everyone.

The online newsletter will have three pages. The front page will be about a new book that is near completion. There will be excerpts from the book in the newsletter. The second page will be a travel/resource page and the third page photography (for now).

On the travel page I will be telling about the many travels I have been on. I have been to Singapore, Hong Kong, Japan, Korea, Thailand, and Canada. In the U.S.A., I have been to Phoenix and watched spring training; Palm Springs, and watch pro tennis people like Andy Roddick, Andre Aggasi, the Williams sisters, Lindsey Davenport, etc. I have a special story about Andre. I have been through many states including Hawaii, and I have some great memories to share.

The other half of that same page will be a resource page. I will put information there that will help people a great deal. One that is coming up is; 15 ways to save money in a falling economy. Is that timely or not? It will be coming real soon.

The third page will be used for photographs for now. I have many photographs from my travels, sports, and just plain beautiful photos of lakes, mountains, etc, that I have loved over the years. You will be free to download any you want.

To get started getting the newsletter, just go to the upper tight hand corner here on this site. The subscription form is right there above the side bar. Click on it, and it will take you from there. This will be a fun newsletter so don’t miss out!!

Side Bar

Ok beaver fans let me share some little nibblings of the “other,” things I saw at the game on Saturday.

There were several great signs around the stadium, but the winner for the game was, “Are you ready for a POP Quizz?” Obviously WSU was not.

Well, it is time to put up or shut up!! There is voting going on for the freshman of the year in football. Jacquizz Rogers is one of the people to vote on. At the moment he has 80% of the vote. Sounds fantastic, but people tend to “cram,” the voting at the last minute. I know, not fair. So go to the site below, and vote (as many times as you want) for Jacquizz. Why??? We need to get his name going for the Heisman Trophy. Yes, I think he will be that good!!! I am not talking about this year. The Heisman Trophy voter’s usually only pick juniors or seniors. This is a long range build up to get his name really known by the time he is a junior. Go to:

Vote! Vote! Vote!

I am not making this story up!! Before the game started, there was a band coming in to play. It was an opposing team band. Was it the Cougars band? Nope! It was the UCLA band!!! The band leader thought the Bruins were playing at OSU, not at U. of O! OOOOOPS! They had to scurry out of there quick and take the 45 minute drive to Eugene. How embarrassing is that? What did the band leader tell the President of the college when he got back. “Oh I thought we would take a side trip to Corvallis, and play some songs for the fans there before we went to the Oregon game.” Not going to cut it. He may have a smaller pay check next month.

Our OSU band is looking great!! OSU has the oldest band program in the PAC-10. 118 years!!! They have added 35 new players to the band. It shows. Now if they just could get a large as Penn States band of 300!

There was an impressive half time show with a “band,” that was playing Brazil music, and the OSU band were dancing all over the place. What really impressed though, were the 420 student athletes that came out onto the field. These were all Everyday Champions. You can find out what Everyday Champions are, by going to

These were mostly kids that had over a 3.0 grade point average. Yes these are student athletes. You would think some of them had to have L and R on their shoes to know what foot to put them on. This is not true anymore. The OSU sports program is second only to Stanford, for All American All Academic teams in the PAC-10.

I think the OSU sports videos are superb! They had some great ones on the Jumbotron. (I think that is what it is called) You can see one of them by going to or Google Oregon state athletics. The site opens up with a bang with the video it has.

The volleyball girls are doing great. There are ranked for the first time since 1996 at # 24, and the beat the # 4 team in the nation. Who was it? You got it. USC!! We love to have USC to come to our house.

This is something I do not always do and should. The officiating for the game on Saturday was excellent. Oh sure, there were a few boo bears, but as I watched the replays on the ones they were booing, I thought they made the right call. The head official Jack Wood, did absolutely the best job of any “white hat,” I have seen come to OSU. (Enjoy these praise’s fellas it may not happen much.)

The back-up running backs did a wonderful job. Francis and McCants did miss a beat. They both ran over the defense just like their leader Jacquizz did. I am pleased with the depth we have there.

Speaking of depth….. Sean Canfield came in and showed the fans he is ready to play!! He marched the team down the field and scored a touchdown.

In closing… I told you in the Comcast newsletter that three OSU teams won on Saturday. It is true.

Oklahoma State University 28 Missouri 23

Ohio State University 16 Purdue 3

Oregon State University 66 WSU 13

The team that had the biggest point spread in victory? O – S -U beavers.

The Beavers already have their schedule set for next year. They have shuffled the PAC- 10 schedule around a little bit. The non-conference schedule is as follows:

Home with Portland State

Away at UNLV

Home with…..Cincinnati! Should be a great game!!

The rest of the schedule is like this:

Home with Arizona

Away at Arizona State

Home with Stanford

Away at WSU

Away at USC

Away at California

Home with Washington

Away at Oregon

This is a tough schedule for the PAC-10 games. All the “upper half” of the league will be away games. We only have 5 home games and 7 away games. (We’ve got em right where we what em!!)

2010??? WE have Louisville coming to town. Great game!!!


In the last newsletter I said that Ken Humus was the new tight ends coach. WRONG! Senior moment!! It is Tim Euhus. Remember him? He was a great tight end for the Beavers a few years ago. What a great addition to the coaching staff!

The time is running out. I am slowly shifting to an online newsletter, and you will not be able to see it here on the site. It will come to those that subscribe only. I DO NOT want to lose you. There are actually 723 Beaver fans getting the newsletter through Comcast. That will be stopping when I move to the online newsletter. I now have 145 of you that have subscribed. That is wonderful, but that means 578 of you are still holding out. Why don’t all of you take care of it today? Right now! Then you will be done, and you will have peace of mind that you will continue to get sports news as long as I have a breath. (Not sure if that will be a long time, as many of you know my problems.)

Just go up to the right hand corner above the side bar; click and you are on your way.

BTW…… I looked at all of you that have subscribed. I recognized many of your emails, BUT some of you are there but not “confirmed.” You got an email from Constant Contact Emailing that asked you to confirm by clicking on the “Confirm subscription,” or what ever they have there, to let them know you are subscribed, and confirmed. Why do they do this; SPAM. They do not know you are really the email address they want unless you tell them. Check your emails and find an email from Constant Contact, and clear this up so you are really in and not sitting in purgatory


The Cougars are Roaring into Town, and we are Ready!

The Cougars are coming town, but they will be leaving with their hide laying in front of the fire place.

The Beavers are going to start out carefully, but I think by the end of the half, the starters will be playing checkers on the side lines. If I am right, (and I usually am), this will be an excellent game to give some of the back-up players some real game experience.

WSU has one win against a lower division school, (Portland State). That will probably be their last win. They were blown away in most of their games: Oklahoma State, 39-3; Cal. 66-3; Baylor 54-17 and the Ducks, 63-14. They put up a gallant fight with UCLA, but still lost 35-3.

However, We will have to cover Brandon Gibson . Remember that name for the game. He is # 2 in the PAC-10 for catches, with an average of 6 a game. He averages 76.7 yards a game. He has caught a pass in 29 straight games. We would love to break that record.

WSU leads the PAC-10 in one statistic they don’t want to lead in. They have an incredible 19 turn-overs in six games. OSU leads the PAC-10 with the fewest at 6 in five games.

I have already given out my prediction of 34-3 with the 3 quetionable. We have a 30 point winning spread according to the odds makers. That is a record spread for the PAC-10.


The final chapter of my travels to Pennsylvania:

When we were in the Gettysberg area we stopped at Dwight Eisenhower’s home, which was a nice farm. It has 186 acres. He invested into it towards the end of his career. He raised cattle on it. He had special things added to the farm. He had his own skeet shooting area. He also raised pheasants on the farm and then released them to hunt. He had a special area built just for him to practice golf. He had a green with sand traps placed around it. He had a fishing pond.

His home is what you would expect for a home back then in the farm area. It had a large living room that Mamie decorated with things from the white house. They had a special mantle at the fire place that IKE liked in the White house. They brought it to his home and installed it onto his own fire place. He had live in maids. He had a forman for the workers, who was also an expert herdsman. He lived in a 1797 house on the farm. His name was Bob Hartly. IKE became very close to Bob through the years.

IKE was an avid painter. He started painting in 1948. Many of his paintings were displayed by Mamie. Ike’s golf cart, jeep, and station wagon are still in the garage.

They have a guest house. Young David Eisenhower stayed in that house, and worked one summer as farm hand.



It’s off to Boston, to see the Boston Red Sox play Tampa Bay. We got to the Hotel Buckminster, which was built in 1897. We wondered where the park was. The guy working there said, “Look out the window.” It was right across the freeway from us. This hotel is where Babe Ruth stayed when he played for the Red Sox. Ted Williams also stayed there. It was also the hotel where “Shoeless Joe,” Jackson, supposedly took the bribe that cost the team the World Series. You could almost hear people talking out in the hallway about how much they would give him to throw the series.

It was game day, and I was really excited. We got to the game, and my world went back over a hundred years!! Fenway park stood right in front of me, and I was about to go in! We went in and the building looked old, because it was old. Many of the seats where still the ones used back 50 or 60 years ago.

Charlotte and I hunted for our seats, and we kept climbing. Up went went through the bottom section; then the next section; up and up. We finally got to the very top row, AND it was ours. There were no seats behind us. There were standing room only people right behind my shoulder drinking beer and breathing down my neck. I decided that it didn’t matter. I was at Fenway Park ready to watch the Red Sox play. BTW……The park was named Fenway Park because….They were in the Fenway district of Boston. Nothing romantic, or exciting there.

Two really large (huge) guys sat right in front of us. They were brothers, and they knew how to drink beer. As a matter of fact the stands were full of people who knew how to drink beer. They all went down and brought two beers at a time, and it was just for them.

The game got started, and the huge young man right in front allowed about four inches for clear viewing space. If he moved his head to the left, I was cut off. There were posts there . But no! I would not get upset. I was at a Boston Red Sox’s game!!!

Jacoby Ellsbury was the player that all the OSU fans around the park wanted to see. He didn’t start!! He had a pulled muscle in his leg, and he was benched. The game went fast. It was exciting to sit there and realize where you were. You dream of going to the old parks before they were tore down. Well, we made it to this one. I was sitting where I was looking right at the “Green Monster.” The plays I remember way back when I was a kid that happened off of that wall still are visions in my head.

It was a close game down to the end. The Sox were behind one run coming into the last inning. A player got a hit, and…… got it! Jacoby came in to pinch run. It didn’t take him long. On the second pitch he took off for second. The throw was wide and got through the shortstop. It didn’t go far, but Jacoby was already on his way to third. “SAFE!” You could hear the unpire way up where we were in the stands! The crowd let out a roar that was ear splitting. Jacoby was only in there about 30 seconds, and he was standing on third. It was for naught however, the next player flew out to right field. I called him David Ortiz. I was quickly corrected.  One of the brothers in front of me said, “People from these parts call him popie. You must be from out of town.” I said “Yup, but I am a big fan of the Red Sox.”  I got a big hand shake, and I made a new friend.

The boys liked Charlotte and I so much that earlier in the game they said they would trade seats with us for the rest of the game so we could see better! Boston people are my favorite people, have I ever told you that?

Jacoby gear was selling for more than the other palyers’ gear. He is the most popular player on the team. Of Course he is…he’s a Beaver!

The next night we had much better seats! Down close, and on the first base side. We were sitting with six or seven people from OSU that also got tickets through Tom Huggins, of Eola Hills Winery. He arranged the whole thing including getting us tickets. Eola Hills does a wonderful job of planning trips. They take care of everything from the time you get to the airport until you land again back home.

This game didn’t go any better. The Tampa Bay team is for real, and now you see that they are playing Boston again to see who goes to the World Series. Should be a great series.

As I looked at all the numbers around the field, I could see they were numbers of great players of the past, There is the always famous #42. That was Jackie Robinson’s number. He was the first black man to really make it big in the majors. There was the number for Carlton Fisk. Can you vision him trying to coax that ball going down the left field line? His hands gestures point where the ball should go, is still shown many Years later. Of course there was also Carl Yastrimsky. (sp) Yaz was one of the greatist hitters in Boston Rex Sox history, but the real number belonged to Ted Williams. He was the greatist hitter in the history of the Boston Red Sox and some say the major leagues. They have a bronze statue of him looking down at a little baseball fan, and he has his hand on the boy’s head, in a loving gesture. There were other numbers up there. Boston had a history that could have me typing all night, but I am weary, and I have rambled on enough.

I hope you enjoyed going on this journey with me. I travel a great deal, and I will be sharing what I saw and my thoughts while there, when ever we do travel.

Have I ever told you that you need to subscribe to the the newsletter if you haven’t already? Just go up to the right hand corner of this site at the top of the side bar. You can see the subscription form waiting for you to say hi to it  

I am hoping that you enjoyed this newsletter tonight. It will not be here in this spot much longer. It will be going to the Consant Contact emailing companies email program.

I have a rough draft going on the first newsletter. Do not wait another day. You do not want to miss that first one. You will like what you see as far as graphics, structure, and better spell checking. 🙂

The subscription form is working great now. We put in a new program. It has been fine ever since.

So hop to it pilgrim!!