zen habits http://www.wisebread.com/taxonomy/term/5466/all en-US Financial Advice And Free Book Offer From Zen Master Leo Babauta http://www.wisebread.com/financial-advice-and-free-book-offer-from-zen-master-leo-babauta <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/financial-advice-and-free-book-offer-from-zen-master-leo-babauta" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/thriving on less.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="315" /></a> </div> </div> </div> <p>Leo Babauta is the author of of the highly popular <a href="http://zenhabits.net/">Zen Habits</a> blog and the new book <a href="http://www.amazon.com/Power-Less-Limiting-Yourself-Essential/dp/1401309704/">The Power of Less: The Fine Art of Limiting Yourself to the Essential</a>.&nbsp; The book was just released yesterday and it is already the bestseller in Amazon's Motivational Books category.</p> <p>We're happy for Leo's success and we urge you to check out his new book.&nbsp; But of course, we're all very frugal here so we're even happier about the oodles of freebies Leo is sharing with the readers.</p> <p>First of all, Leo is offering everyone a free download of his ebook <a href="http://thepowerofless.com/2008/12/free-ebook-thriving-on-less-simplifying-in-a-tough-economy/">THRIVING ON LESS: Simplifying in a Tough Economy</a>.</p> <p>Second, Leo is giving away a lot of <a href="http://zenhabits.net/2008/12/the-power-of-less-has-launched-free-giveaways-for-book-buyers/">extra freebies</a> to anyone who buys <a href="http://www.amazon.com/Power-Less-Limiting-Yourself-Essential/dp/1401309704/">The Power of Less</a> by the end of today (1/1/09).</p> <p>I&nbsp;recently talked to Leo about how his philosphy can help Wise Bread readers survive this economy.&nbsp;&nbsp; </p> <p><strong>1.&nbsp; Please tell us a little bit about the principles you'll be introducing in your new book, <a href="http://www.amazon.com/Power-Less-Limiting-Yourself-Essential/dp/1401309704/">The Power of Less</a>.&nbsp; How are they </strong><strong>different from other money/time management books?</strong></p> <p>Let's start with the key principles in <em>The Power of Less</em>:<strong><img hspace="15" align="right" vspace="15" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/bookcover4.jpg" alt="" /></strong></p> <p>1. The art of setting limits.<br /> 2. Choosing the essential.<br /> 3. Simplifying -- eliminating the non-essential.<br /> 4. Focus on one thing at a time.<br /> 5. Create new habits.<br /> 6. Start small.</p> <p>This differs from other books on money and time management because they deal with specific systems for managing your money or time efficiently. The Power of Less shows that you don't need a complicated system to manage your money or time if you set limits and simplify. It also shows you how to create new habits so that the need for systems is greatly reduced -- it becomes automatic if you make it a habit.</p> <p><strong>2.&nbsp; How can I use these principles to organize my finances? There are so many things to keep track of.&nbsp; How do I &quot;declutter&quot; my financial life?</strong></p> <p>What I've found is that more important than &quot;organizing&quot; is &quot;simplifying&quot;, whether that's with your finances or possessions or anything at all actually. If you have a lot of things, it's hard work to organize them. If you just have a few things, it's much easier to organize.</p> <p>So start by simplifying your finances -- focus on just the essential, get rid of the non-essential. The fewer things you're spending on, the fewer bills you have, the fewer accounts you have ... the less you have to organize and keep track of.</p> <p>Next, be sure to automate as many of your bills and savings transfers as possible, through your bank's online bill pay feature. Just about every bank has them these days -- you can automatically pay bills on payday and make savings transfers. Then you don't need to keep track of things or organize them. Also use your bank's online system to download statements and reconcile your checking and other accounts.</p> <p>Once you do these things, finances should take no more than 15-30 minutes once a week.</p> <p><strong>3.&nbsp; How can I use these principles to get out of debt?</strong></p> <p>These principles got me out of debt. First, I started small &ndash; getting out of debt can be overwhelming, but it always starts with the first step. I focused on one debt at a time and eliminated each one completely before moving to the next. I created new financial habits using the habit-change principles in the book.</p> <p><strong>4.&nbsp; If I'm addicted to my credit card, how can I use these principles to stop my dependence on credit?</strong></p> <p>An addiction to credit cards is usually really a habit of impulsive spending -- the credit card just makes this habit much easier. What you need to do is monitor your habit and identify your triggers &ndash; the things that cause you to spend on impulse. Then you need to either avoid these habits (don't go to the mall or online shopping sites, for example) or replace the negative habit with a positive habit &ndash; for example, exercising when you're stressed out instead of shopping.</p> <p>A couple of tips: <img hspace="15" align="right" vspace="15" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/zenwater.jpg" alt="" /></p> <p>1) cut up your credit card (or hide it or give it to someone you trust to hold) and delete the number from your online accounts so you don't use it; </p> <p>2) create a 30-day list where you write down things that you want to buy (with the date each item was added to the list) and make it a rule that you can't buy it until 30 days after you put it on the list; and </p> <p>3) make it a habit to save up until you have the money before buying something.</p> <p>To create a new habit, try <a href="http://thepowerofless.com/new-years-challenge/">The Power of Less New Year's Challenge</a>. You use this powerful method to create a new habit in 30 days, just 10 minutes a day!</p> <p><strong>5.&nbsp; How can I use these principles to find happiness in simpler things in life (i.e. things that don't cost money)?</strong></p> <p>Use one of the most important principles in the book: choosing the essential. What things in your life are most important -- things that give you the most happiness and value, things you love doing and are passionate about, people you love and want to spend time with? These are the essentials in your life. The trick is to use one of the other important principles of the book, simplifying, by eliminating as many of the non-essentials in your life as possible, to make room for the essentials.</p> <p>If you can take these two simple steps, you will have created a simpler life filled with things you love doing and the people you love most. This is the key to happiness -- not buying things.</p> <p><strong>6.&nbsp; What kind of daily habits should I develop to improve my finances?&nbsp; How do develop and stick to these habits?</strong></p> <p>It really depends on where you are -- some people already have certain<br /> habits ingrained -- and your financial situation. But here are some of<br /> the most important habits to form:</p> <ul> <li>Control impulse spending, as described above.</li> </ul> <ul> <li>Take 15-30 minutes a week to pay bills and debt, update your<br /> financial tracking software.</li> </ul> <ul> <li>Make savings and debt payments automatic.</li> </ul> <ul> <li>Save up until you have the money to make a purchase.</li> </ul> <ul> <li>Learn to find free or cheap ways to have fun, instead of spending, as I talked about above.</li> </ul> <p><strong>7.&nbsp; Can you give us an example of your experiences with bad financial habit or situations?&nbsp; How did you over come it?</strong><br /> <img hspace="15" align="right" vspace="15" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u4/zenpath.jpg" alt="" /><br /> I had a debt problem, just a few years ago. Not only would I buy non-essential things on credit or get a loan to buy them, but I also made emergency purchases on credit because I basically had no savings. So while I was trying to pay my debts, things would get worse every time there was an &quot;emergency&quot; -- the car would break down, something in my house would break (like the plumbing), there was a medical expense I had to pay, and so on.</p> <p>Two simple things fixed the situation: I stopped spending on non-essential thing if I didn't actually have the cash on hand (I saved up for things instead of buying and trying to pay later), and I created an emergency savings fund of at least $1,000 (now it's much more) so that I could continue my debt repayment plan even when emergencies came up. It took about two years after that for me to pay off all my debts, but it wasn't hard once I made it automatic and created these vital new habits.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/will-chen">Will Chen</a> of <a href="http://www.wisebread.com/financial-advice-and-free-book-offer-from-zen-master-leo-babauta">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-free-411-directory-assistance-that-really-works-a-review">Get free 411 directory assistance that really works (a review)</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-disappearance-of-real-america-my-guest-post-at-zen-habits">The disappearance of real America - my guest post at Zen Habits</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-the-drunkards-walk">Book review: The Drunkard&#039;s Walk</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-finally-make-your-finances-paperless">5 Ways to Finally Make Your Finances Paperless</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-launder-money">How to Launder Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks free book Leo power of less review zen habits Thu, 01 Jan 2009 13:26:17 +0000 Will Chen 2693 at http://www.wisebread.com The disappearance of real America - my guest post at Zen Habits http://www.wisebread.com/the-disappearance-of-real-america-my-guest-post-at-zen-habits <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-disappearance-of-real-america-my-guest-post-at-zen-habits" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5861909_76a20d9145.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="218" /></a> </div> </div> </div> <p>I&#39;m not one for believing in fate or destiny, but the timing on this was spot on. After just finishing a terrfiic documentary called &quot;America Unchained&quot;, about one Brit&#39;s quest to cross the US without giving any money to &quot;the man,&quot; I was asked if I wanted to write a guest post at Zen Habits. Did I? You bet I did. And I had just the topic. </p> <p>Here&#39;s the introduction to whet your appetite. If you like what you read, pop over to the excellent ZenHabits and <a href="http://zenhabits.net/2008/08/is-our-addiction-to-saving-money-destroying-the-real-america/">check it out here</a> .</p> <blockquote><p><em>As a young boy growing up in a gray, rainy seaside town in England, I had a fascination for America; maybe even a love affair. America was the land of opportunity, sure. But it was also vastly different and eccentric (in a good way) from state to state. So when I came to the U.S. around seven years ago, I was somewhat disappointed. The roads were lined as far as the eye could see with signs for fast food chains, corporate-ran hotels and big, bad gas companies. Where was the other America? Had she disappeared?</em></p> </blockquote> <p>I&#39;d also like to take this opportunity to thank Leo at ZenHabits for letting me write a guest post. I read ZenHabits frequently, so being given the chance to write a post was something I jumped on. And hey Leo, my wife&#39;s from Guam...gotta love breakfast at Shirley&#39;s. </p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/the-disappearance-of-real-america-my-guest-post-at-zen-habits">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily">Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-stuff-i-try-never-to-buy-new">The stuff I try never to buy new</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-year-s-hot-toy-is-next-year-s-trash">This Year’s Hot Toy is Next Year’s Trash</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/oprah-asks-a-great-question-what-can-you-live-without">Oprah Asks A Great Question; What Can You Live Without?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-secrets-of-amazons-pricing-strategy-will-help-you-find-the-best-buys">These Secrets of Amazon&#039;s Pricing Strategy Will Help You Find the Best Buys</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Consumer Affairs Lifestyle Shopping cheap corporate guest Leo saving money WalMart zen habits Wed, 27 Aug 2008 15:24:47 +0000 Paul Michael 2370 at http://www.wisebread.com 10 Frugalfying Ways to get to $1 Million http://www.wisebread.com/10-frugalfying-ways-to-get-to-1-million <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/zenhabits.gif" alt="Zen Habits" title="Zen Habits" width="343" height="139" /> </p> <p><em>This guest post is by Leo from <a href="http://zenhabits.net">Zen Habits</a>. If you like this post, check out his site or <a href="http://feeds.feedburner.com/zenhabits">subscribe to his feed</a>.</em> </p> <p>No matter how much you increase your income, you&#39;ll never increase your net worth if you spend it all on flatscreen TVs, double monitors, a swish home office, or a pimped-out ride. <strong>But the good news is that with a few minor adjustments to your lifestyle, you can set up your finances to get to $1 million (or more) without killing yourself or your pocketbook.</strong> </p> <!--break--><!--break--><p>Let&#39;s take a look at 10 easy ways to frugalfy yourself and get to $1 million. But first, let&#39;s take a little look at how we&#39;re going to get there: </p> <ul> <li><strong>Long-term.</strong> Let&#39;s assume that you&#39;re starting with $0 in investments, and that you have 25 years to get to $1 million. If either of those are wrong, you&#39;ll need to play with a calculator such as <a href="http://www.hellodollar.com/archives/2005/08/savings_growth.html">this one</a> to get the right numbers for you. But the general principles will still apply.</li> <li><strong>Automatic.</strong> How we&#39;ll get there is by making some adjustments in the way we live, and take the savings and automatically deposit them into an investment account. We&#39;ll also assume a 10% interest in an index fund. Again, the numbers can be played with.</li> <li><strong>YMMV.</strong> The actual changes you make could also vary -- the ones we provide here are just ideas -- an example to get you started.</li> </ul> <p> OK, so let&#39;s take a look at the <strong>10 Frugalfying Ways to get to $1 million</strong>: <ol> <li><strong>Make your own coffee.</strong> Instead of buying that Starbucks latte at $4 per pop, brew your own at home and bring it in with a thermos. It&#39;s so much cheaper (and with a good creamer, tastes just as good), and you help the environment by not throwing out all those disposable cups!<font color="#000000"> <strong>Savings: $120 ($4 a day) per month.</strong></font></li> <li><strong>Brown bag it to work.</strong> Instead of buying a $6-$12 lunch every day, bring in last night&#39;s leftovers or a sandwich and some healthy snacks (fruits and veggies!) at a cost of $1-2. Plus, get a lot more done at work during your quiet lunch hour, and you can leave early! <strong>Savings: $180 ($6 a day) per month.</strong></li> <li><strong>Watch DVDs instead of going to the movies.</strong> Not only will you save $5-6 on the ticket, but you also don&#39;t have to pay $10 for overpriced concessions. And you can be much more comfortable on your own couch. Get Netflix or a similar service with a monthly fee, and your DVD rental can be super convenient at a price of less than $1 per movie! Let&#39;s assume that you go to the movies once a week or more ($7 ticket) and get popcorn and a drink (about $8). If you go with your partner, this could be much more. <strong>Savings: $60 per month.</strong></li> <li><strong>Cut out cable. </strong>This might sound drastic to many people, but my family cut it out and we don&#39;t miss it a bit. And if you have Netflix or a similar DVD service, you still get to watch some great stuff without all the commercials. Better yet, read! Cable costs vary in each area, but in mine it&#39;s about $60. <strong>Savings: $60 per month.</strong></li> <li><strong>Eat in more.</strong> How often do you eat out? Depending on where you eat, it could cost anywhere from $6 to $30 (or more). And eating at home is not only much cheaper, but is much healthier as well. If you eat out 5 or more times per week, we&#39;re talking about some major cash here. Let&#39;s assume you eat in 5 times more per week at $10 savings per pop. <strong>Savings: $200 per month.</strong><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/zenwater.jpg" alt="water drop" title="zen water drop" width="240" height="160" align="right" /></li> <li><strong>Quit the gym.</strong> Face it -- you don&#39;t really use it. If you do, you can probably do it much cheaper at home with a set of dumbbells and a barbell. If you do aerobic exercise, the local park, or your neighborhood streets, are free! <strong>Savings: about $40 per month.</strong></li> <li><strong>Drive less.</strong> Gas prices (and auto maintenance) are really high. Commute with a friend or family member, consolidate your errands into one errands day, walk to your corner store instead of drive, and try cycling to work a couple days a week. I&#39;m sure you can come up with other ideas. If you can drive less, you can easily save $20-40 in gas each week. And help the environment and get healthier at the same time! There are no losers here. <strong>Savings: about $150 per month.</strong></li> <li><strong>Rent.</strong> Sure, everyone wants to own a home. Until they struggle to meet their mortgage, or see how much they have to pay in insurance and taxes, or have to maintain a house on their own. Owning comes with a much higher price tag, with a higher mortgage and other costs. And when you factor in interest payments, you are paying three times the house&#39;s value just to get a little equity. Invest the difference instead and you&#39;ll have much more equity. This is a biggie. I don&#39;t know what it could save you each month, as housing and rent prices vary greatly per region. But for myself, I easily save $1,000 per month by renting. Let&#39;s be conservative though. <strong>Savings: $500 per month.</strong></li> <li><strong>Reduce power consumption.</strong> A few simple changes, such as using CFLs instead of regular light bulbs, or reducing your heating or cooling costs, using less hot water, shutting off your appliances and lights more, etc., and you can make big changes to your power bill. <strong>Savings: about $50 per month.</strong></li> <li><strong>Have sex.</strong> OK, this might not be an obvious way to save money, but I threw this in to make the rest of it more fun. To qualify as a frugal measure, though, you shouldn&#39;t pay for the sex. Find someone willing to do it for free. It&#39;s cheap exercise, it&#39;s great fun, and it&#39;s the cheapest form of entertainment there is. <strong>Savings: unlimited.</strong></li> <li><strong>Bonus</strong>. Top 10 lists are too constricting, so we&#39;ll add a bonus tip: buy a late-model used car instead of a new one. If you can, pay in cash, saving you thousands in interest payments. <strong>Savings: $200 per month.</strong></li> </ol> <p> <strong>Total saved with all of the above options: $1,560 per month.</strong> If you took this amount and invested it, at 10% return, you&#39;d have more than $2 million after 25 years.<img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/zengarden.jpg" alt="Tiny Zen Garden" title="Tiny Zen Garden" width="240" height="166" align="right" /> <ul> <li><strong>You choose. </strong>You only need to choose half these options to get $1 million -- pick the ones that you think you can do, make them add up to $800 per month. Or substitute others where you can cut back (let&#39;s say magazines, or video games, or using store brands instead of brand names).</li> <li><strong>Make it gradual.</strong> You don&#39;t need to make these frugal changes all at once. Do one or two per month, and it won&#39;t seem hard at all.</li> <li><strong>Make it automatic.</strong> Now take the amount you save each month, divide it by two, and automatically deduct that bi-weekly amount from your paycheck and deposit it into an investment account. Again, make it automatic! Don&#39;t count on your willpower to make the transfer. And don&#39;t even think about touching it. To make this work, you should save up an emergency fund first, but after a couple of months of building up this fund, switch your transfers to an index fund investment account.</li> <li><strong>Watch it grow.</strong> Every few months, check on your account. You should see it growing at a very satisfactory rate. Every time you get an income increase, or cut back on more expenses, put the difference into your automatic investment transfers. Now sit back, and enjoy the climb to becoming a millionaire.</li> </ul> <p> <em>Read more posts by <a href="http://zenhabits.net">Leo Babauta at Zen Habits</a>, including popular ones on <a href="http://zenhabits.net/2007/04/zen-to-done-ztd-the-ultimate-simple-productivity-system/">Zen To Done: The Ultimate Simple Productivity System</a>, <a href="http://zenhabits.net/2007/04/big-rocks-first-double-your-productivity-this-week/">Double Your Productivity</a>, <a href="http://zenhabits.net/2007/01/email-zen-clear-out-your-inbox/">keeping your inbox empty</a>, <a href="http://zenhabits.net/2006/11/steps-to-permanently-clear-desk/">clearing your desk</a>, <a href="http://zenhabits.net/2007/01/how-i-became-early-riser/">becoming an early riser</a>, and the <a href="http://zenhabits.net/2007/02/top-20-motivation-hacks-overview/">Top 20 Motivation Hacks</a>.</em></p> <p><em>Photos by <a href="http://flickr.com/photos/20149359@N00/395226087/">Darkpatator</a> and <a href="http://flickr.com/photos/spiritwalk/206137814/">Linbow</a>.</em></p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/leo-babauta">Leo Babauta</a> of <a href="http://www.wisebread.com/10-frugalfying-ways-to-get-to-1-million">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-new-year-money-resolutions-anyone-can-keep">10 New Year Money Resolutions Anyone Can Keep</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-inspiring-people-who-each-paid-off-over-100000-in-debt">5 Inspiring People Who Each Paid Off Over $100,000 in Debt</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-great-things-to-do-with-your-spare-change">25 Great Things to Do With Your Spare Change</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-get-your-toiletries-for-cheap-or-even-free">6 Ways to Get your Toiletries for Cheap or Even Free!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living frugalfying investing savings zen zen habits Wed, 16 May 2007 04:47:00 +0000 Leo Babauta 649 at http://www.wisebread.com