30 October 2008

Save money while you sleep

Vampire power awareness day

You can reduse your costs just by terminating vampire power. Although the term 'vampire' is silly, the savings are serius. Chances are that you too is wasting power, even in your sleep. The solution, however, is pretty simple.

What is vampire power?

  • Vampire Power is the electricity that consumer electronics and appliances use while they are switched off or in a standby mode.
  • These unassuming predators have been feeding off valuable electricity from everyday appliances and electronics when they are in the off position or in standby mode.
  • Innocent looking prey include: plasma TVs, computers and game consoles, DVD/VCR players, DVRs, adapters for MP3 players, and cell phones, which can waste up to half the energy they consume.
  • A computer left on continuously can suck nearly as much power as an energy efficient refrigerator; anywhere from 70 – 250 watts, depending on the model and how it is used.
  • A 500-watt, 65-inch LCD TV left on all the time would cost $484 in electricity per year and the generation of that electricity would produce 5,873 pounds of CO2 per year

The Scary facts of vampire power

  • Roughly $4 billion annually across the United States is spent on electricity lost to “vampire power,” according to the International Energy Agency.
  • 40 percent of all electricity used to power electronics in the average American home, such as TVs, DVD players and computers, is consumed while these products are turned off, according to the Department of Energy.
  • The average home wastes close to $1,000 in electricity costs per year at current rates (more in the future if energy costs continue to climb).
  • Each watt of vampire power costs about one dollar per year - if you have 25 power vampires consuming an average of seven watts each, they will cost you $175 per year and emit about 900 kilograms of carbon dioxide.
  • The average microwave consumes more power when it is not in use.
  • The average American home has approximately 20 to 40 electronics plugged in that abuse vampire power.
  • The electricity vampires prey upon is significant and can cost up to 10 percent of an average household’s monthly electric bill.

Here is how to get out of the mindless power consumtion


Use a power strip
Plug your chargers into a power strip and when you’re not using those chargers, turn the power strip off. Also you can even get a power saving USB power strip that turns off when your computer is not on.

Get unplugged
All of your chargers (cell phone, MP3, laptop, and even electric toothbrushes) continue to draw electricity even when the device is not charging. When the device has been completely charged unplug the charger from the wall.

Turn your computer off
Completely shut down your computer and printer when not in use. If you are unable to do so, at least make sure the computer goes into a lowpower sleep, standby or hibernate mode. And watch out for those screen savers; graphic intense screen savers can actually waste power.

Look for the Star
Upgrade electronics and appliances to ENERGY STAR qualified products, which draw less power than the average when in “off” mode.

Further information

For more tips and advice on ridding vampires from your home, visit your local Best Buy
store or check out www.vampireawarenessday.com Best Buy is declaring today as National Vampire Power Awareness Day and launching a campaign to educate Americans about the worst offenders of vampire power. 

Akso further reading about vampire power on http://en.wikipedia.org/wiki/Vampire_power

28 October 2008

Beat the Sugar Habit: 3 Steps to Cut Sweets (Mostly) Out of Your Life

Editor’s note: This is a guest post in Zen Habits written by Mike O’Donnell of the IF Life. It is frugal in the sense that you need to stop buying those expensive sweets that are no good for you.


Sugar, sugar, sugar. It’s everywhere. It’s in our drinks, it’s in our foods, and it’s hidden in places we never would think of. Many would call sugar their friend in time of need, but in fact their so-called “good friend” could turn out to be their worst enemy in disguise.

Sugar for many is something they may have been battling with for a long time, but the past is the past. Time for sugar to be seen for what it really is, and for us to take back full control of our lives. Here’s a simple three-step process to help you start to win back the battle for your health.

First Step – Awareness of what Sugar Really Does to Your Body

I think most people I talk to will say they “know” that they shouldn’t have sugar, but they really can’t help it. To me that is a lack of true awareness of what sugar does to oneself. I don’t think many people will say that they want to hurt their body on purpose, but unless they know it’s really happening they will continue down that road. Sugar is slower to impact our health (as we don’t die from an overdose right away), and it’s that slow destructive process that is the most dangerous. Unfortunately most people don’t know the damage until it has already been done (diabetes for example).

Let’s look at what is really going on with sugar from inside our body’s point of view.

  • Sugar increases fat storing. Possibly the most important hormone in the body when it comes to weight loss and health is insulin. Insulin is the main hormone that we have full control over daily through our diet and lifestyle. When we eat sugar and it enters into our bloodstream too quickly, we have a spike in blood sugar levels (hyperglycemia). Now in times of high activity we are able to burn it off, but if we are sitting around this is not a good thing. So in response to that high level of blood sugar (known as glucose), the body will release more insulin into the bloodstream. Insulin will then take the excess glucose and try to find a place to store it. If your muscles are all full (or have insulin resistance) then the best place to put the excess glucose is fat cells. When insulin is high, the fat cells are told to start storing (shutting down any process of releasing stored fat into the blood for burning). With chronic high insulin spikes comes a resistance to it (insulin resistance) by your cells, leading to more insulin production, leading to more fat storing, and more resistance, eventually going down a road of diabetes and ill health for the whole body. It’s interesting to note that in cultures known for their longevity, many had different diets and lifestyles but the one thing they all had in common was low fasting insulin levels.
  • Sugar disrupts normal brain function. I think most people can relate to mood swings and energy highs/lows that come after a high sugar meal. Sugar can also be the source of many people’s increased anxiety and depression. Let us not also forget the kids with ever-increasing attention “disorders” and behavioral issues. Sugar is not helping with that, either. In fact, there have been many studies that show when taking sugar out of a kid’s diet and increasing fat intake, their attention/learning ability increases, their behavior changes for the better, and in some extreme cases have been able to manage (if not eliminate) seizures. The brain is made mostly of fat and although runs on glucose it gets “shorted out” with too much sugar.
  • Sugar decreases your overall health and makes you age quicker. Too much sugar will lower your overall immune system, increase destructive inflammation, lead to essential mineral deficiencies in the body, feed bad bacteria growth in your gut (all health starts in the gut) and other wonderful stuff. Aging is just a fancy word for the body breaking down quicker than it can repair itself, as that is what happens when we get older. Aging also is accelerated by the increasing risks of all degenerative diseases such as diabetes, osteoporosis, heart disease and cancers. We are all going to get older, but it doesn’t mean that we have to “age” quicker.

Not a good overall list on what sugar does to our body right? Well on the reverse side by taking sugar out of our diets as much as we can (and controlling insulin), we can effectively help to do the following:

  • Increase fat burning ability of the body.
  • Increase the immune system and state of health.
  • Slow down the destructive aging process.
  • Decrease risks for most degenerative diseases.
  • Have steady energy all day long (no crashes or swings).
  • Have increased mental clarity, focus and concentration.
  • Increase positive behaviors in children (as well as adults).

So first step is that we need to be aware of what sugar is really doing in our bodies. Once we see what is happening, I think we can start to change our view on whether it is our good friend or possibly public enemy #1 in our daily lives.

Second Step – Realize You are in 100% Control of Your Actions

This could the most underrated yet the most important step, as we are the only person who controls what we put into our body. Everything starts in what we choose to put in our mouths. Some people may say they can’t control their sugar cravings, but that is already admitting defeat and giving up power to some “cosmic sugar influence” out there. We can pass on dessert, we don’t need to buy a candy bar, we can drink water instead of soda, but the choice is ours to make.

Also many like to call it an “addiction”. This is just another way to give up your own personal power of choice. While sugar can have “addictive like” qualities, it’s not something that you own or is a part of you. Fight the battle and you will get over the addictive feelings, they will go away. But if you call it an addiction and make it part of you, then it is yours to keep forever. Be free from it, let go. Take back control and anything is possible.

Third Step – Just Live the Daily Journey one Choice at a Time

Life is just a series of present moments, and the choices we make in those moments. So let’s just focus on what we can do right now instead of worrying about what has happened in the past or may or may not happen in the future. “Now” is all we have and all we need to focus on.

  • Choose to eat more natural foods. Choose whole food proteins, healthy fats and natural sources of carbohydrates (processed carbs are just lumps of sugar to the body once digested quickly). If it wasn’t around a thousand years ago or is made by man (and not nature), chances are you don’t need it. Note how it says “Choose” above, as it is your choice.
  • Find the hidden sources of sugars and remove them. Sugar is hidden in places such as sauces, ketchup, soups, processed foods, drinks, so called health bars, and more. Become a label reader and see how much sugar you are consistently putting into your body. Don’t fall for the marketing trick either of “low fat”, because that usually means “more sugar”.
  • If it’s not near you, you can’t eat it. So get all sources of sweets, deserts and sugar out of your house. If you are even tempted and it’s nowhere to be found, then you can’t have it. Simple enough right? If you want to go out for a treat then make it something that you have to work for and go some place, don’t keep it within arms reach or easy access.
  • Make each meal balanced to control your blood sugar and insulin response. If you don’t let your blood sugar crash then you are less likely to crave an intake of sugar. Balance with whole food proteins, healthy fats and non-processed carbs. Have a slow and steady stream of glucose into your body, and not a rush that is created with sugar.
  • Eat sugar from its natural packaging - like fruit (as it is packed with fiber, water, vitamins and minerals) and other complex sources like vegetables.
  • Base your larger intake of carbohydrates around workouts and other activity. If you are able to use it for fuel right away or to replenish empty muscle and liver glycogen when they need it, then you will not be increasing storage into your fat cells.
  • Choose to burn fat, not store it. Realize that you can burn fat all day long if you give your body the right hormonal signals, which means keeping insulin low and glucagon high (which goes up when insulin lowers, but also shuts down when insulin rises). There is no way that you can keep burning fat if sugar is always present and elevating insulin all day long.
  • Get out and exercise. Feeling stressed? Then go for a walk and don’t reach for Ben and Jerry. Want to help increase insulin sensitivity in the body (which is a good thing), do some resistance exercise. The body was naturally meant for movement, so go break a sweat everyday doing something you enjoy.
  • More fish please. The brain loves the essential Omega 3 fatty acid DHA. Also Omega 3s are key to helping to increase insulin sensitivity, decreasing inflammation and increase burning fat. All this leads to fewer cravings for sugar and the body’s ability to handle it as well. Best source is wild salmon (not farmed) or you can supplement with Cod Liver/Fish Oil daily as well.
  • Learn it’s OK to say “No”. Don’t feel pressured to eat something just because someone else is or passes it to you (like a birthday party every week or sweets at the office). You have the final say in what you put into your mouth, so learn to say “No Thank You” with a smile.
  • Get rid of your mental attachment to sugar and food - once a week with a short fast (like only eating dinner for a day once a week). Many people are just too attached to needing to eat food all the time. Maybe that is why many people eat when they are watching TV or feeling bored. Time to realize that you will not starve yourself or whither away if you take a short break. Use that time to clear your mind, get perspective, and go for a walk in nature. You may be surprised at the revelations you may have during those quiet times of not eating. Also break that need for eating consistently, you can do fine once in a while without it, but more importantly break your mental attachment to constant food intake. An added bonus to fasting is you will help your body to “reset” some of its natural cravings and instincts. So you may start out craving sugar in the beginning of the fast, but later on your cravings may shift to something else like vegetables or healthy fats. Help your body to find it’s natural and primal instincts once again.
  • Control and manage your stress. Stress and your reactions to the environment around are important, as high stress will lead to increased cortisol. Cortisol in turn will lead to increased demands for blood sugar and increased sugar cravings. Take notice in the past when you may have eaten the most sugar and you may see a pattern around stressful and emotional reactions. Control your stress and you can control your cravings.
  • Go to bed early and get your sleep. Again notice when you may crave sugar the most, and chances are that it is late at night. If you are going to bed very late, then you are probably also messing up your natural cortisol cycle. You may see that if you go to bed by 10:30 you won’t eat junk food at night….but if you stay up to 11:30 or later you eat more and more sugar. Your body is confused and getting all the wrong signals as you stay up later, so to get your natural hormonal cycle down get to bed early and you will feel better for it.
  • Don’t ever get down on yourself. Do your best every day and don’t beat yourself up if you do have some birthday cake or ice cream. It happens and no reason you shouldn’t enjoy things time to time. Just don’t make it a staple of your life and once it happens, just move on to the next meal. Don’t focus on a mistake that might have been made in the past, as that is how people end up feeling depressed and just eating more. It’s OK as you are not expected to be perfect but you are expected to be in control. Do your best and keep smiling knowing the future is made up of whatever choices you make next!
  • Enjoy Life. It’s really quite simple that is we move and eat the way our bodies were designed for, health and happiness usually follows. So go enjoy life, have control over you choices, don’t worry if you have some cake once in a while, and be able to smile knowing that you are healthy and in control.

This is a guest post from Mike O’Donnell, a professional health and fitness coach. His blog can be seen at www.theiflife.com

27 October 2008

How to Plan Ahead for Next Week’s Meals (And Save Significant Money): A Step-By-Step Guide

supermarket by fazen on Flickr!My wife and I shop for groceries on a weekly basis (with the exception of a rare mid-week stop for more milk or other pure staples). We shop from a grocery list, usually nail the sales, and focus almost entirely on buying produce. The end result is that we usually save quite a bit at the grocery store compared to what we could be spending. This has enabled us to buy higher quality foods, like hormone-free milk and free-range chicken and eggs, but it could also go to help us pay the bills.

When I tell this to people, they usually sigh and say, “Doesn’t all that planning take a lot of time?” Frankly, it doesn’t take that much time at all, and since it saves us from making multiple grocery store visits in a week, it might actually save time in the long run in addition to the money saved.

Here’s exactly how we do it.

Step 1: Get a Flyer
The most important step is to get a flyer from your grocery store - or perhaps flyers from two or three local grocery stores. There are a lot of ways to get these - in a local newspaper, in the mail, or online, for starters. I usually download the flyer from the website of the grocery stores we visit - Hy-Vee and Fareway.

Step 2: Find Sales on Fresh Ingredients
Once I have the flyers, I go through them and mark any sales on fresh ingredients that they have. For example, as I write this, I’m reviewing Hy-Vee’s ad for October 14 through October 20, and I’m noticing several things on sale: fresh zucchini for $0.89 a pound, fresh yellow squash for $0.89 a pound, sweet yellow onions for $0.99 a pound, yellow bell peppers for $0.99 a pound, tons of apple sales, ground turkey for $2.18 a pound, hormone- and antibiotic-free cageless chicken for $1.99 a pound, and so on.

I ignore the sales on most prepackaged items. We focus on buying fresh foods and staples like flour for our meals. Over the long haul, the fresh items are cheaper and healthier.

Step 3: Do Some Recipe Research
This week, I know I’ll be working with ground turkey, whole chicken, zucchini and squash, yellow bell peppers, sweet yellow onions, apples, and the other meat we have in our freezer from bulk purchases. What recipes can I find that utilize these ingredients?

I go to a recipe search engine like FoodieView and just enter combinations of the on-sale fresh ingredients that sound interesting. My first attempt was searching for “turkey, zucchini, onion” and I immediately found a turkey and zucchini meat loaf recipe from Epicurious. Searching for “yellow bell, chicken” gets me an interesting chicken bell pepper recipe (which I’ll use, but modify a bit). Chicken-apple-bacon burgers? Yum. Plus, you can easily grill sliced squash (dipped in olive oil and ground pepper) for a wonderful vegetable side dish.

These ideas provide the backbone for several meals throughout the week, so I start planning ahead.

Step 4: Create a Week-Long Meal Plan
I usually start off with my blank meal-planning worksheet and fill in the dinners first based on the above recipes. For us, breakfasts are usually quite simple and lunches usually consist of leftovers, so those columns are quite easy as well.

I usually try to make most weeknight meals pretty easy. I usually attempt one difficult recipe during the week and one on a weekend, with the others being simple. Whole chicken roasting? That’s a difficult one. Chicken-apple burgers? Easy.

We usually have homemade pizza one night a week, often Fridays. We also often have pasta one night a week, often Tuesdays (for some reason). So I’ll pencil those things in, too. We have plenty of ingredients on hand for both, so I don’t really need to shop for them - buying flour in bulk makes crust easy, and we keep tons of tomato sauce and ground beef on hand at all times.

Given all that, it’s pretty easy to fill in the rest of the squares on that meal plan. I usually only need to come up with five suppers per week and two to three lunches per week (for meals where leftovers from the night before don’t carry over). Often, these are just simple sandwiches.

Step 5: Make a Shopping List from the Meal Plan
Once the meal plan is in place, I go through and list all of the ingredients for all of the recipes I’ll make and then cross off the things we have as I find them in the cupboards or refrigerator. Most of this is very easy, but it saves us money - we don’t accidentally buy things we already have on hand.

I also check the staples - flour, milk, yeast, juice boxes, and so on - and add replenishments to the list.

Step 6: Go Grocery Shopping - And Stick to Your List
Once you have the list in place, it’s simple. Take it to the grocery store and stick to it. Don’t toss stuff that’s not on your list into the cart. Since you’ve already planned your meals, you know that you don’t need it.

Using this path will also make grocery shopping itself substantially quicker. Most of your purchases will be around the edges of the store, in the produce and meat sections. You won’t have to go up and down every aisle to find the items you need. This will shave significant time off of your shopping trip.

In the end, though, when you go home, unpack your groceries, and put that meal plan up on the fridge, you’ll find that overall it hasn’t taken you any more time than a grocery trip without planning would have taken, plus you now have a clear plan for meals for the week and you’ve saved significant money at the grocery store.

Good luck!


This has been a guest post from Trent Hamm who writes about personal finance at The Simple Dollar. Please visit his blog for even more articles like this one.

8 October 2008

Changes You Can Make

One of the strongest memories I have from my childhood comes from when I was about seven years old. We were visiting my grandmother and I walked in on her praying out loud. She was hunched over with her hands closed and her back to me, but I remember her prayer - it still rings in my ear in her soft voice, more than two decades later.

God grant me the serenity to accept the things I cannot change,
courage to change the things I can,
and the wisdom to know the difference.

As an adult, I now recognize the prayer as the Serenity Prayer, quoted and used in countless contexts, but still familiar to me in the soft voice of my grandmother, overheard on a cool spring morning.

Even outside of the religious context, it’s a powerful piece of wisdom for people to live their life by. There are some things in life you cannot change, no matter how stubbornly you wish to change it, while at the same time, there are many, many things you can change.

It becomes particularly powerful when you apply that filter to the difficult areas of your life - where you’re having trouble. I’ll walk through some of my deepest personal challenges, to show you what I mean.

I cannot change the stupid spending mistakes I made in the past. I spent money in countless incredibly stupid and immature ways and that added up to a debt that took me years to take care of. I can’t help but wonder where I might have been had I not made those mistakes.

I can change my spending habits going forward. Right now I can make the right choice, even though I made bad choices before. I don’t have to go out there and spend money on stuff I don’t really need. Instead, I can save it for the things that really matter.

I cannot change my hypothyroidism. It reduces my overall energy level compared to a truly normal person, period. No matter what I do in life, I can’t change that. Even taking a daily Synthroid won’t help.

I can change my exercise habits. In the end, it’s still up to me to push myself out of that chair and get some exercise in. My choice to exercise might be a bit tougher choice for me than for others, but it’s still a choice, and I have the power to make the right one.

I cannot change the amount I owe on my mortgage. I owe a lot of money on my home, no two ways about it. Sometimes, thinking about the amount simply inspires awe in me.

I can change the effort I put forth into repaying it. I can directly repay it if that seems like a better investment, or invest extra funds if I can beat the rate of return on early mortgage payments. I don’t have to be trapped for the remaining twenty nine years of a thirty year mortgage unless I choose to be.

I cannot change my wife’s energy level in the evenings. My wife gets up before I do and is often really tired in the evenings, drifting off to sleep far earlier than I do. I often am up for a good hour or two while she sleeps, and I wish it weren’t so.

I can change how I spend my time in the evenings. I can spend as much time with her as I can until she goes to sleep, then focus on getting mindless household tasks done. This enables both of us to spend more time with our children - and more time with each other.

I cannot change the people I’ve let down in the past. I’ve let friendships and other connections fall apart due to lack of attention and effort to maintain them, not realizing I’m losing friends until they’re already gone.

I can change my relationships with people now and in the future. Good relationships need some regular care and maintenance, and it’s up to me to do that. Each day, I can make that choice to get in touch with a family member or friend, just to see what they’re up to and if we can help each other through life.

Today, spend some time looking at the hard areas in your life and see if you can find a piece that you can change. It might be as simple as changing a small spending habit, or it might be as big as finally realizing you need help with substance abuse. Making a change for the better in any part of your life that is dragging you down is the surest way to financial and personal success.


This has been a guest post from Trent Hamm who writes about personal finance at The Simple Dollar. Please visit his blog for even more articles like this one.