Your Cheapskates Club Newsletter 26:18
In this Newsletter
1. Cath's Corner
2. In the Tip Store -
3. Share Your Tips - Have a great money, time or energy saving idea? Share it here
4. On the Menu -
5. The $300 a Month Food Challenge with Wendy -
6. Cheapskates Buzz - Cheapskaters are talking in the Forum and on Cath's blog
7. This Week's Question - Buying Organic on a Budget
8. Ask Cath - Do have a question for Cath? Ask it here!
9. Join the Cheapskates Club
10. Frequently Asked Questions
11. Contact Details
1. Cath's Corner
Hello Cheapskaters,
This week's newsletter is big, so make a cuppa and sit down for a jolly good read.
I can vouch for the carpet spot cleaner from the Tip Store, it works a treat, and is easy to whip up and use. It stores well too, if you don't use it all.
I made Devilled Chicken Wings (in On the Menu) yesterday, in the camp oven, and they were delicious and a hit. They'll go onto the camping meal list for the future.
Have a great week everyone.
Happy Cheapskating,
Cath
PS: Love our site? We love referrals! Send a note to your favourite newspapers, magazines, radio stations, TV stations, friends and relatives, and tell them about us!
2. From The Tip Store
Beautiful Skin on a Shoestring
Approximate $ Savings: $100 - 300 pa
I have been using this homemade body scrub for about 6 years and I am often complemented on how good my skin looks. You can make this up easily from ingredients you already have in the cupboard. In a bowl mix 3/4 - 1 cup castor sugar (finer grains are gentler on the skin, no castor sugar? then whizz white sugar to make it finer), add the juice of half a lemon or lime, 1 tablespoon olive oil and enough shampoo or body wash to mix to a sloppy paste - (Homebrand version is fine, it doesn't have to be expensive body wash). Now stand in the shower "starkers" and rub this mix all over your body, even your face - it will dry off a bit as you go but don't worry, turn on the warm water and rinse off! Presto! - you will have the smoothest skin, you'll be amazed. It feels so good - I do this about once every 3 - 4 weeks. Don't buy commercial body scrub, this is so much better, cheaper and more natural especially if you use a natural shampoo or body wash to make it!
Contributed by Belinda Clarke
Homemade Carpet Spot Cleaner for Short Pile Carpet
Approximate $ Savings: At least $6 per bottle
My carpet cleaner generously gave me this tip for cleaning my carpet (short pile) instead of trying to sell me an expensive bottle from his business.
Ingredients:
1L water
3 tsp white vinegar
3 tsp wool mix (any kind)
Instructions:
Mix together and put in a spray bottle and spot clean away!
Contributed by Natasha
Treating Ash with Ash
Here at home we use a wood fire and after a while the glass in the door gets a black film over it and it is quite hard to get off. After six and a half years of spraying the glass and scrubbing it clean and sometimes resorting to taking the door off to clean it I have the solutions. A friend told us to dip a damp cloth into the white ash from the fire and smear it over the door whilst gently making small circular movements with the cloth. I thought I'd try it and see if it worked, I certainly had my doubts. I couldn't believe my eyes, it was if it was magic, within five minutes the glass was sparkling clean, no fuss, no mess, just a sparkly clean door. I suggest everyone who uses a Coonarra or wood fire with a glass door try this, you will simply be amazed at how easy it is to clean.
Contributed by Debbie
There are currently more than 12,000 great tips in the Tip Store
3. Submit Your Tip
The Cheapskate's Club website is over 3,000 pages of money saving hints, tips and ideas. Let's get together and make the Cheapskates Club Australia's largest online hint, tip and idea library. Share your favourite money saving, time saving or energy saving hint and be in the running to win a one-year membership to The Cheapskate Club. We publish a Winning Tip each Thursday, so enter your great money, time or energy saving idea now.
Share your favourite hint or tip that saves money, time and energy and be in the running to win a one-year subscription to The Cheapskate Journal.
Remember, you have to be in it to win it!
Submit your tip
4. On the Menu
Just Wing It
We love chicken wings, they make great finger food and are delicious as a main meal with fried rice or a simple salad. There's no waste with chicken wings. The tips make great stock, perfect for soups and risottos. They are also cheap. My butcher often has them for $1.49/kg and that's when I buy up, usually 20kg, sometimes more if we have a lot of entertaining on the calendar.
Devilled Chicken Wings
Ingredients:
2kg chicken wings
1 tsp Dijon mustard
1 tsp crushed garlic
2 tbsp hoisin sauce
1 tbsp Worcestershire sauce
1 tbsp honey
2 tbsp tomato sauce
Method:
Mix ingredients together in a large bowl. Add the chicken wings. Toss together and cover with plastic wrap. Refrigerate for 2 hours or overnight. Cook in a 200 Degree oven for 40 minutes or until browned and cooked through. Serve with mashed potato.
Teriyaki Chicken Wings
Ingredients:
1kg chicken wings
1/2 cup soy sauce
1/4 cup brown sugar
1 tbsp oil
Method:
Preheat oven to 220 degrees Celsius. Cut wings in half if desired, discard wing tips. Toss wings in large plastic bag with soy sauce, brown sugar and oil until coated. Spread evenly on baking sheet and bake until juices run clear, 20 - 25 minutes.
Braised Chicken Wings
Ingredients:
4 tablespoons peanut oil
2kgs chicken wings (made into mini drumsticks)
2 large potatoes diced
3 carrots diced
1 clove garlic crushed
1 medium onion diced
1 tbsp brown sugar
3/4 cup soy sauce
1/4 cup vinegar
1/4 cup honey
Method:
Prepare veggies, dicing as needed. Brown chicken wings in the hot oil, seasoning to taste. Add onion, garlic and sugar after chicken has been browned. Mix soy sauce, honey and vinegar and add to pan. When chicken is almost tender, add carrots and potatoes. Cover and cook until tender.
Next week we will be eating:
Sunday: Roast Chicken
Monday: Curried tuna rice slice, tossed salad
Tuesday: Veggie pasta bake, salad, garlic bread
Wednesday: Wellington loaf, baked veg, gravy
Thursday: MOO Pizza
Friday: Fried rice, satay vegetables
Saturday: Fried rice, rice paper rolls, dipping sauces
There are over 1,600 other great money saving meal ideas in the Recipe File.
5. The $300 a Month Food Challenge
How Long Does Food Last?
Before you fill your cupboards with bulk items, you may want to review the average "life" of those products you are considering purchasing. Ask yourself if you have adequate storage space, freezer space, and how much your family enjoys the products before you spend your grocery money on buying them in bulk.
Meat & Poultry - Uncooked
Chicken/Turkey - 9 months
Steaks, beef - 6 to 12 months
Chops, pork - 4 to 6 months
Chops, lamb - 6 to 9 months
Roasts, beef - 6 to 12 months
Roasts, lamb - 6 to 9 months
Roasts, pork and veal - 4 to 6 months
Stew Meats - 3 to 4 months
Ground meats - 3 to 4 months
Organ meats - 3 to 4 months
Dairy Products
Butter/margarine - 6-9 months
Cheese, soft and spreads, dips - 1 months
Cheese, hard or semi-hard - 6 months
Eggs in shell- Do not freeze
Ice cream - 1 months
Milk / Cream- 3 weeks
Dried Food Items - Shelf Life
Baking powder/bi-carb soda - 18 months
Bread Crumbs - 6 months
Cereals - 6 months
Flour/cake mixes - 1 year
Gelatine/pudding mixes - 1 year
Herbs/spices - 6-12 months
Milk, non-fat dry - 6 months
Pancake/pastry mixes - 6 months
Pasta/noodles -2 years
Potatoes, instant - 18 months
Rice, white - 2 years
Sugar, granulated - 2 years
Sugar, brown, - 4 months
Fruits & Vegetables
Commercially frozen fruits will last up to a year in your freezer. Commercially frozen vegetables have a shorter life-span of eight months. Another option for storing these items for long periods is bottling them. If you plan to buy these items in bulk, on a regular basis, it would be a good investment to consider purchasing a canning machine to insure the food is kept air-tight.
Beans
Dried beans kept free from moisture can last for several years. This is an excellent and to stretch your money plus beans are full of protein for healthy eating!
Drinks
Most juices that you buy, such as apple juice, can last 3-5 years un-opened. If you are unsure of how long your juice will last, contact the manufacturer consumer phone number.
Optional Items
Chocolate - unsweetened 18 months
Coffee, vacuum pack - 1 year
Milk, UHT - 1 year
Nuts - 8 months
Oils/salad dressings - 3 months
Peanut butter (unopened) - 6 months
Sauces, condiments, relishes (unopened) - 1 year
Shortening - 8 months
Syrups - 1 year
Tea - 18 months
The important thing to remember, when buying in bulk, is that a price is only a good price if you actually use the products that you purchase.
The $300 a Month Food Challenge
The Post that Started it All
6. Cheapskates Buzz
Most popular forum posts this week
Persimmons
http://www.cheapskatesclub.com.au/memberforum/showthread.php?1951-Persimmons
How on Earth do I Fill Them Up?
http://www.cheapskatesclub.com.au/memberforum/showthread.php?1944-How-on-earth-do-I-fill-them-up
Finger Food Menu for 100 for an Engagement Party
http://www.cheapskatesclub.com.au/memberforum/showthread.php?1917-finger-food-menu-for-100-for-an-engagement-party
Most popular blog posts this week
Crumble Kits
http://www.debtfreecashedupandlaughing.com.au/2017/08/crumble-kits.html
No Bake Lemon Slice and Our Favourite Variations
http://www.debtfreecashedupandlaughing.com.au/2017/08/no-bake-lemon-slice-and-our-favourite.html
After School Treats that won't Break the Budget (or Ruin Dinner)
http://www.debtfreecashedupandlaughing.com.au/2017/07/after-school-treats-that-wont-break.html
7. This Week's Question
Q. Any suggestions for how to save money while still buying organic and all-natural groceries? This is one of the biggest obstacles I find to being a Cheapskate. Janine
A. Firstly, you just have to accept that if you are going to only buy organic groceries you are going to pay more simply because they cost more than mass-produced groceries. But you don't need to pay full price for them. Buying organic groceries is no different to buying regular groceries, the same rules apply:
1. Do a pantry, fridge and freezer inventory.
2. Meal plan
3. Shopping list:
a. Use inventories and meal plan to work out what's needed
b. Use your Price Book, catalogues and websites to find the best prices
c. Write up a list in order of the stores to go to
d. Don't be afraid to try different brands and swap-out things on your shopping list
4. Hit the shops, markets and co-ops!
As you can see from No. 4 above, you will be shopping in different places. Look for organic markets and organic food stalls at farmer's markets for fresh produce. Search out organic co-ops in your area and visit them. Ask lots of questions about fees, how it's run, availability and prices. Then search online for your groceries. And remember, most large supermarkets these days have a reasonable organic section.
Of course, the way to get really cheap organic food is to grow your own. Even if it's just a few salad greens and herbs growing your own will save you a lot of money.
8. Ask Cath
We have lots of resources to help you as you live the Cheapskates way but if you didn't find the answer to your question in our extensive archives please just drop me a note with your question.
I read and answer all questions, either in an email to you, in my weekly newsletter, the monthly Journal or by creating blog posts and other resources to help you (and other Cheapskaters).
Ask Your Question
9. Join the Cheapskates Club
For just 10 cents a day you can join the Cheapskates Club and get exclusive access to the Cheapskate Journal, the monthly e-journal that shows you how to cut the costs of everyday living and still have fun.
Joining the Cheapskates Club gives you 24/7 access to the Members Centre with 1000's of money saving tips and articles.
Click here to join the Cheapskates Club today!
10. Frequently Asked Questions
How do I change my email address?
This one is easy. Members can update their email address or any other details by clicking on "Edit Profile" directly under their membership number after they have logged in to the Member's Centre. Subscribers to our free newsletter can use the Change Your Address form (under Customer Service in the menu) and fill it out. Once you've filled it in click the send button and we'll do the rest. Please remember to include your old email address so we can find it in the list as well as the new one.
How do I know when my membership should be renewed?
When you login to the Member's Centre you will be told how many days of membership you have left once you have 30 days left. Just click on the link to renew and your membership will just continue on, uninterrupted.
What will you do with my email address?
We never rent, trade or sell our email list to anyone for any reason whatsoever. You'll never get an unsolicited email from a stranger as a result of joining this list.
How Did You Get on Our List?
You signed up to receive our Free Newsletter at our Cheapskates Club Web site or are a Platinum Cheapskates Club member
11. Contact Details
The Cheapskates Club -
Showing you how to live life
debt free, cashed up and laughing!
Contact Cheapskates
1. Cath's Corner
2. In the Tip Store -
3. Share Your Tips - Have a great money, time or energy saving idea? Share it here
4. On the Menu -
5. The $300 a Month Food Challenge with Wendy -
6. Cheapskates Buzz - Cheapskaters are talking in the Forum and on Cath's blog
7. This Week's Question - Buying Organic on a Budget
8. Ask Cath - Do have a question for Cath? Ask it here!
9. Join the Cheapskates Club
10. Frequently Asked Questions
11. Contact Details
1. Cath's Corner
Hello Cheapskaters,
This week's newsletter is big, so make a cuppa and sit down for a jolly good read.
I can vouch for the carpet spot cleaner from the Tip Store, it works a treat, and is easy to whip up and use. It stores well too, if you don't use it all.
I made Devilled Chicken Wings (in On the Menu) yesterday, in the camp oven, and they were delicious and a hit. They'll go onto the camping meal list for the future.
Have a great week everyone.
Happy Cheapskating,
Cath
PS: Love our site? We love referrals! Send a note to your favourite newspapers, magazines, radio stations, TV stations, friends and relatives, and tell them about us!
2. From The Tip Store
Beautiful Skin on a Shoestring
Approximate $ Savings: $100 - 300 pa
I have been using this homemade body scrub for about 6 years and I am often complemented on how good my skin looks. You can make this up easily from ingredients you already have in the cupboard. In a bowl mix 3/4 - 1 cup castor sugar (finer grains are gentler on the skin, no castor sugar? then whizz white sugar to make it finer), add the juice of half a lemon or lime, 1 tablespoon olive oil and enough shampoo or body wash to mix to a sloppy paste - (Homebrand version is fine, it doesn't have to be expensive body wash). Now stand in the shower "starkers" and rub this mix all over your body, even your face - it will dry off a bit as you go but don't worry, turn on the warm water and rinse off! Presto! - you will have the smoothest skin, you'll be amazed. It feels so good - I do this about once every 3 - 4 weeks. Don't buy commercial body scrub, this is so much better, cheaper and more natural especially if you use a natural shampoo or body wash to make it!
Contributed by Belinda Clarke
Homemade Carpet Spot Cleaner for Short Pile Carpet
Approximate $ Savings: At least $6 per bottle
My carpet cleaner generously gave me this tip for cleaning my carpet (short pile) instead of trying to sell me an expensive bottle from his business.
Ingredients:
1L water
3 tsp white vinegar
3 tsp wool mix (any kind)
Instructions:
Mix together and put in a spray bottle and spot clean away!
Contributed by Natasha
Treating Ash with Ash
Here at home we use a wood fire and after a while the glass in the door gets a black film over it and it is quite hard to get off. After six and a half years of spraying the glass and scrubbing it clean and sometimes resorting to taking the door off to clean it I have the solutions. A friend told us to dip a damp cloth into the white ash from the fire and smear it over the door whilst gently making small circular movements with the cloth. I thought I'd try it and see if it worked, I certainly had my doubts. I couldn't believe my eyes, it was if it was magic, within five minutes the glass was sparkling clean, no fuss, no mess, just a sparkly clean door. I suggest everyone who uses a Coonarra or wood fire with a glass door try this, you will simply be amazed at how easy it is to clean.
Contributed by Debbie
There are currently more than 12,000 great tips in the Tip Store
3. Submit Your Tip
The Cheapskate's Club website is over 3,000 pages of money saving hints, tips and ideas. Let's get together and make the Cheapskates Club Australia's largest online hint, tip and idea library. Share your favourite money saving, time saving or energy saving hint and be in the running to win a one-year membership to The Cheapskate Club. We publish a Winning Tip each Thursday, so enter your great money, time or energy saving idea now.
Share your favourite hint or tip that saves money, time and energy and be in the running to win a one-year subscription to The Cheapskate Journal.
Remember, you have to be in it to win it!
Submit your tip
4. On the Menu
Just Wing It
We love chicken wings, they make great finger food and are delicious as a main meal with fried rice or a simple salad. There's no waste with chicken wings. The tips make great stock, perfect for soups and risottos. They are also cheap. My butcher often has them for $1.49/kg and that's when I buy up, usually 20kg, sometimes more if we have a lot of entertaining on the calendar.
Devilled Chicken Wings
Ingredients:
2kg chicken wings
1 tsp Dijon mustard
1 tsp crushed garlic
2 tbsp hoisin sauce
1 tbsp Worcestershire sauce
1 tbsp honey
2 tbsp tomato sauce
Method:
Mix ingredients together in a large bowl. Add the chicken wings. Toss together and cover with plastic wrap. Refrigerate for 2 hours or overnight. Cook in a 200 Degree oven for 40 minutes or until browned and cooked through. Serve with mashed potato.
Teriyaki Chicken Wings
Ingredients:
1kg chicken wings
1/2 cup soy sauce
1/4 cup brown sugar
1 tbsp oil
Method:
Preheat oven to 220 degrees Celsius. Cut wings in half if desired, discard wing tips. Toss wings in large plastic bag with soy sauce, brown sugar and oil until coated. Spread evenly on baking sheet and bake until juices run clear, 20 - 25 minutes.
Braised Chicken Wings
Ingredients:
4 tablespoons peanut oil
2kgs chicken wings (made into mini drumsticks)
2 large potatoes diced
3 carrots diced
1 clove garlic crushed
1 medium onion diced
1 tbsp brown sugar
3/4 cup soy sauce
1/4 cup vinegar
1/4 cup honey
Method:
Prepare veggies, dicing as needed. Brown chicken wings in the hot oil, seasoning to taste. Add onion, garlic and sugar after chicken has been browned. Mix soy sauce, honey and vinegar and add to pan. When chicken is almost tender, add carrots and potatoes. Cover and cook until tender.
Next week we will be eating:
Sunday: Roast Chicken
Monday: Curried tuna rice slice, tossed salad
Tuesday: Veggie pasta bake, salad, garlic bread
Wednesday: Wellington loaf, baked veg, gravy
Thursday: MOO Pizza
Friday: Fried rice, satay vegetables
Saturday: Fried rice, rice paper rolls, dipping sauces
There are over 1,600 other great money saving meal ideas in the Recipe File.
5. The $300 a Month Food Challenge
How Long Does Food Last?
Before you fill your cupboards with bulk items, you may want to review the average "life" of those products you are considering purchasing. Ask yourself if you have adequate storage space, freezer space, and how much your family enjoys the products before you spend your grocery money on buying them in bulk.
Meat & Poultry - Uncooked
Chicken/Turkey - 9 months
Steaks, beef - 6 to 12 months
Chops, pork - 4 to 6 months
Chops, lamb - 6 to 9 months
Roasts, beef - 6 to 12 months
Roasts, lamb - 6 to 9 months
Roasts, pork and veal - 4 to 6 months
Stew Meats - 3 to 4 months
Ground meats - 3 to 4 months
Organ meats - 3 to 4 months
Dairy Products
Butter/margarine - 6-9 months
Cheese, soft and spreads, dips - 1 months
Cheese, hard or semi-hard - 6 months
Eggs in shell- Do not freeze
Ice cream - 1 months
Milk / Cream- 3 weeks
Dried Food Items - Shelf Life
Baking powder/bi-carb soda - 18 months
Bread Crumbs - 6 months
Cereals - 6 months
Flour/cake mixes - 1 year
Gelatine/pudding mixes - 1 year
Herbs/spices - 6-12 months
Milk, non-fat dry - 6 months
Pancake/pastry mixes - 6 months
Pasta/noodles -2 years
Potatoes, instant - 18 months
Rice, white - 2 years
Sugar, granulated - 2 years
Sugar, brown, - 4 months
Fruits & Vegetables
Commercially frozen fruits will last up to a year in your freezer. Commercially frozen vegetables have a shorter life-span of eight months. Another option for storing these items for long periods is bottling them. If you plan to buy these items in bulk, on a regular basis, it would be a good investment to consider purchasing a canning machine to insure the food is kept air-tight.
Beans
Dried beans kept free from moisture can last for several years. This is an excellent and to stretch your money plus beans are full of protein for healthy eating!
Drinks
Most juices that you buy, such as apple juice, can last 3-5 years un-opened. If you are unsure of how long your juice will last, contact the manufacturer consumer phone number.
Optional Items
Chocolate - unsweetened 18 months
Coffee, vacuum pack - 1 year
Milk, UHT - 1 year
Nuts - 8 months
Oils/salad dressings - 3 months
Peanut butter (unopened) - 6 months
Sauces, condiments, relishes (unopened) - 1 year
Shortening - 8 months
Syrups - 1 year
Tea - 18 months
The important thing to remember, when buying in bulk, is that a price is only a good price if you actually use the products that you purchase.
The $300 a Month Food Challenge
The Post that Started it All
6. Cheapskates Buzz
Most popular forum posts this week
Persimmons
http://www.cheapskatesclub.com.au/memberforum/showthread.php?1951-Persimmons
How on Earth do I Fill Them Up?
http://www.cheapskatesclub.com.au/memberforum/showthread.php?1944-How-on-earth-do-I-fill-them-up
Finger Food Menu for 100 for an Engagement Party
http://www.cheapskatesclub.com.au/memberforum/showthread.php?1917-finger-food-menu-for-100-for-an-engagement-party
Most popular blog posts this week
Crumble Kits
http://www.debtfreecashedupandlaughing.com.au/2017/08/crumble-kits.html
No Bake Lemon Slice and Our Favourite Variations
http://www.debtfreecashedupandlaughing.com.au/2017/08/no-bake-lemon-slice-and-our-favourite.html
After School Treats that won't Break the Budget (or Ruin Dinner)
http://www.debtfreecashedupandlaughing.com.au/2017/07/after-school-treats-that-wont-break.html
7. This Week's Question
Q. Any suggestions for how to save money while still buying organic and all-natural groceries? This is one of the biggest obstacles I find to being a Cheapskate. Janine
A. Firstly, you just have to accept that if you are going to only buy organic groceries you are going to pay more simply because they cost more than mass-produced groceries. But you don't need to pay full price for them. Buying organic groceries is no different to buying regular groceries, the same rules apply:
1. Do a pantry, fridge and freezer inventory.
2. Meal plan
3. Shopping list:
a. Use inventories and meal plan to work out what's needed
b. Use your Price Book, catalogues and websites to find the best prices
c. Write up a list in order of the stores to go to
d. Don't be afraid to try different brands and swap-out things on your shopping list
4. Hit the shops, markets and co-ops!
As you can see from No. 4 above, you will be shopping in different places. Look for organic markets and organic food stalls at farmer's markets for fresh produce. Search out organic co-ops in your area and visit them. Ask lots of questions about fees, how it's run, availability and prices. Then search online for your groceries. And remember, most large supermarkets these days have a reasonable organic section.
Of course, the way to get really cheap organic food is to grow your own. Even if it's just a few salad greens and herbs growing your own will save you a lot of money.
8. Ask Cath
We have lots of resources to help you as you live the Cheapskates way but if you didn't find the answer to your question in our extensive archives please just drop me a note with your question.
I read and answer all questions, either in an email to you, in my weekly newsletter, the monthly Journal or by creating blog posts and other resources to help you (and other Cheapskaters).
Ask Your Question
9. Join the Cheapskates Club
For just 10 cents a day you can join the Cheapskates Club and get exclusive access to the Cheapskate Journal, the monthly e-journal that shows you how to cut the costs of everyday living and still have fun.
Joining the Cheapskates Club gives you 24/7 access to the Members Centre with 1000's of money saving tips and articles.
Click here to join the Cheapskates Club today!
10. Frequently Asked Questions
How do I change my email address?
This one is easy. Members can update their email address or any other details by clicking on "Edit Profile" directly under their membership number after they have logged in to the Member's Centre. Subscribers to our free newsletter can use the Change Your Address form (under Customer Service in the menu) and fill it out. Once you've filled it in click the send button and we'll do the rest. Please remember to include your old email address so we can find it in the list as well as the new one.
How do I know when my membership should be renewed?
When you login to the Member's Centre you will be told how many days of membership you have left once you have 30 days left. Just click on the link to renew and your membership will just continue on, uninterrupted.
What will you do with my email address?
We never rent, trade or sell our email list to anyone for any reason whatsoever. You'll never get an unsolicited email from a stranger as a result of joining this list.
How Did You Get on Our List?
You signed up to receive our Free Newsletter at our Cheapskates Club Web site or are a Platinum Cheapskates Club member
11. Contact Details
The Cheapskates Club -
Showing you how to live life
debt free, cashed up and laughing!
Contact Cheapskates