Author Archives: Mary

How to Save Money When Your Emergency Fund is Wiped Out

No savings, no emergency fund, nothing to fall back on.  That’s where we are now that necessary repairs to our paid off, ten-year old car have been made.  I’m sure many of you can relate. That’s why I am sharing How to Save Money when your Emergency Fund is Wiped Out!  I know what it is like to have that need, so I want to help you learn how to manage!

How to Save Money When Your Emergency Fund is Wiped Out

How to Save Money When Your Emergency Fund is Wiped Out

Did you know that according to the Federal Reserve, 48% of Americans say they wouldn’t be able to come up with $400 in an emergency, and only 38% could handle an unexpected expense of $1000?  We are fortunate as we had $1,500 in an emergency fund.  However, spending it to repair the car put us back to ground zero.  Now that our emergency fund is wiped out, we need to save money.

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Maple Balsamic Baked Pork Chops Recipe

Maple Balsamic Baked Pork Chops Recipe

These Maple Balsamic Baked Pork Chops have become a favorite particularly when we have friends over for dinner.  Since these pork chops are dairy free, gluten free, and egg free, they usually meet everyone’s dietary requirements and preferences.

Maple Balsamic Baked Pork Chops Recipe

As the cost of meat has increased over the years, I’ve discovered pork tends to be a good choice instead of beef.  Many times pork chops are also less expensive than chicken, turkey or ham.

When friends are over, I don’t want to be stuck in the kitchen slaving over a hot stove. Since the meat is marinated before cooking, they are quick and easy to prepare.  I find I am able to spend less time prepping and cooking a meal in the kitchen and more time enjoying the company of family and friends.

September 9, 2016

You Have to Admit, We All Do It!

People Watching… You Have to Admit, We All Do It!

People Watching

Who are all these people — the ones waiting in the doctor’s office, in line at the grocery store, the DMV, or wandering aimlessly through the shopping mall? My mind starts to wander and suddenly I realize I’m doing it again. PEOPLE WATCHING! You have to admit, we all do it! How many times have you found yourself waiting somewhere with nothing better to do than watch people and start conjuring up what their lives are like? A friend recently posted on Facebook her perception of what she saw in the people waiting with her in the service department of a car dealership. It went like this:Continue reading

How To Save On Lawn & Garden Watering

Having a beautiful lawn is tough when it is costly.  That’s why we are sharing those great tips for How To Save On Lawn & Garden Watering this year!  Whether you are landscaping your front lawn or trying to grow beautiful flowers or vegetables these are great tips!

Don't miss our tips for How to Save on Lawn & Garden Watering this year!  Your lawn can be beautifully lush and green despite the budget and area!

Is it really possible to save money watering your lawn?  It depends on what part of the country you live in.  In our area, the summers are hot and humid with frequent afternoon thunderstorms.  In other areas, the weather is hot and dry necessitating your lawn be regularly watered to maintain any semblance of green.

One of our biggest issues with watering our lawn is that water is very expensive in our area.  My parents live in a large city and their water/sewer bills average around $35 a month.  On the flip side, our bill each month averages about $120!Don't miss our tips for How to Save on Lawn & Garden Watering this year!  Your lawn can be beautifully lush and green despite the budget and area!

How To Save On Lawn & Garden Watering

  • If you water by hand, do it in the evening or before the sun comes up.
  • Water your lawn early in the morning.  Did you know that 14% of the water you put on your grass evaporates before ever reaching the roots?  By watering your lawn in the early morning, you can save an average of 87 gallons per week.  That’s an average of 4,524 gallons of water a year.  If every household in the U.S. did this for a year, it would equal nine times the annual rainfall in Seattle.
  • If you have an automatic sprinkler system, program it to begin watering at 4 a.m.
  • Consider upgrading to a digital timer to save money watering your lawn.  This is particularly economical when you need to water more than once a day in order to establish a sod or new seed lawn, or when overseeding.
  • There are even rain shutoff devices and soil moisture sensors which can be attached to a sprinkler timer to come on when the grass needs to be watered or when the ground is dry.
  • Utilize rain barrels and waste water (from baths or dishes) to water your lawn and gardens when drought is an issue.
  • Invest in quality irrigation or sprinkler systems that will water without wasting money.  An up front investment can make a huge difference in long term costs.

These are just a few basic tips to save money on lawn and garden watering this summer! Having a lush lawn despite the heat and drought is possible without spending a fortune.  Utilize our tips above to make sure your lawn looks amazing while staying in budget!

More Money Saving Tips: 

Frugal Ways to Save Money: Home Appliances Sale
Save Money using a Realtor

frugal ways to save money
Frugal Ways to Save Money: Getting Out of Debts

Living on 30000 or Less: 10 Tips

Topic: Save Money Watering Your Lawn

June 26, 2014

Social Media Debate: Is It Still Okay to Call Someone Ma’am?

Social Media Debate


If you have a social media account such as Facebook or Twitter, you have probably found yourself involved in at least a debate or two about an issue that appeared on your feed. Sometimes these issues revolve around national, local, or community politics. Others may be centered on questions posed about child rearing. Still others may involve your favorite sports team or a celebrity scandal.

Social Media Debate: Is It Still Okay to Call Someone Ma’am?

This past week, a personal friend posted an article from the Huffington Post entitled “Dude, Don’t Call Me Ma’am.”  Needless to say, a heated discussion in the comments of the post ensured.  The people who commented were from all over the country.  The comments ranged from insisting that the use of the term “ma’am” is outdated and inappropriate in this day and age to those who firmly believed it was a sign of respect.

Here’s an excerpt from the article:

I understand that when people use “Ma’am,” they probably intend for it to be a sign of respect, and also that the term is more commonly used in other parts of our country. In fact, a friend from South Carolina once told me that his child got in trouble for saying, “Yes Ma’am,” to his teacher at his new Los Angeles area school. My friend had to convince the principal that his son was not being smart-mouthed and was just using the Southern manners they had taught him.

But out west, people only use “Ma’am” for women of a certain age. I’d feel genuinely silly calling a 20-year-old “Ma’am.”

At work, we’ve eliminated the distinction between married and unmarried women by using the title Ms. on emails and letters. I wish we could somehow eliminate the distinction between young and old women when we speak.

There needs to be another option, a term that could be used when speaking to women of all ages — the young, the old and the in-between — regardless of marital status.

Personally, having lived the better part of my life south of the Mason-Dixon line, I see the use of the term “ma’am” as a sign of respect.

What do you think, is it Okay to Call Someone Ma’am?

Share with us your interesting social media debate, leave a comment below.

Read more Thought provoking posts:


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May 29, 2014

Maya Angelou Famous Quotes

Maya Angelou Famous Quotes

Do you believe things happen for a reason? Well, over the years, I have come to believe they do. As I was contemplating what to write for today’s Thought Provoking Thursday post, I remembered seeing headlines and brief posts about a writer and poet who passed away yesterday. It dawned on me that this woman’s contributions could be the basis of my post.

Before leaving work today, my office manager showed me a list of quotes she was bringing to a small group study she attends on Thursday nights. Lo and behold, the quotes were all from Dr. Maya Angelou, the woman I had been planning to write about!


You may be familiar with the book “I Know Why the Caged Bird Sings,” the 1969 autobiography of African-American writer and poet, Dr. Maya Angelou. Dr. Angelou passed away yesterday leaving a legacy of a peace. According to her official website, “[s]he lived a life as a teacher, activist, artist and human being. She was a warrior for equality, tolerance and peace.

I have never read any of her writings but after this “things happen for a reason” moment today, I’ll be making a point of exploring her writings soon. I’ll start with these Maya Angelou Famous Quotes which were given to me:

Maya Angelou Famous Quotes

“Never make someone a priority when all you are to them is an option.”

“If you don’t like something, change it. If you can’t change it, change your attitude. Don’t complain.”

“There is no greater agony than bearing an untold story inside of you.”

“I do not trust people who don’t love themselves and yet tell me, ‘I love you.’ There is an African saying which is: Be careful when a naked person offers you a shirt.”

Maya Angelou Famous Quotes

“We delight in the beauty of the butterfly, but rarely admit the changes it has gone through to achieve that beauty.”

“You may not control all the events that happen to you, but you can decide not to be reduced by them.”

“My mission in life is not merely to survive, but to thrive; and to do so with some passion, some compassion, some humor, and some style.”

“Try to be a rainbow in someone’s cloud.”

“I’ve learned people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”

“I love to see a young girl go out and grab the world by the lapels. Life’s a bitch. You’ve got to go kick ass.”

“The love of family, the love of the person can heal. It heals the scars left by a larger society. A massive, powerful society.”

“Courage is the most important of all the virtues because without courage, you can’t practice any other virtue consistently.”

“Nothing works unless you do.”

“It’s one of the greatest gifts you can give yourself, to forgive. Forgive everybody.”

“I have learned that you can tell a lot about a person by the way (s)he handles these three things: a rainy day, lost luggage, and tangled Christmas tree lights.”

Do you find any of these maya angelou famous quotes relevant to you life?  What “things happens for a reason” moments have you experienced recently?