What is DubLi?

Filed under :Saving Money, Simplicity

At The Prudent Wife, we are always trying to figure out how to live within your means, save money, eat fantastic food and pay off debt. No matter where you are on that continuum, there are times you need to spend money. Items break, printers need replaced, appliances fail, you know the story. You are getting ahead, surging forward in your financial goals, and suddenly something breaks.

I had been hearing about  Dubli.com on the radio. Since we are searching for an INEXPENSIVE color laser for my daughter’s high school papers, it was a good time to check out DubLi and see if their claims are true.

So, off I went to the DubLi site. It suggested newcomers watch a video, explaining the DubLi process. Okay, I clicked and proceeded to watch an almost 9 minute video. Ugh. What unfolded was a complex system of reverse auctions, etc, where DubLi says they find the best price out there for you. The kicker, you have to pay 80 cents to see the lowest price on EACH item you select. They tell you that your time and gas are worth money. True. But is THEIR service worth the money?

The video continued on about all sorts of ways DubLi can “save you money” and “get you the best price.” They have special apps you can download that run constantly, alerting you when you are at the best price and on and on. They have rewards and this and that, droning on for almost 9 minutes….dreary indeed. This is “fun shopping?” Ugh!

Bottom line, DubLi will set your computer up to shop constantly and alert you!

Which is just what folks who are in debt and trying to get ahead DO NOT NEED, a constant alert to spend money.

Not only that, but DubLi is making a mint, each time you “click” and you can buy x amount of clicks for $200. You can spend some serious money just SHOPPING DubLi’s prices, especially if you are compulsive, competitive or even bored!

No thank you.

I will just mosey back to the Dell site and order my $99 laser color printer, and stay put. I don’t mind spending $99 for a printer….and that is all there is to spend on.

I also searched online and found a website, The Spin Factor, that seemed to think DubLi was just another complex scam. Not sure about that website, never having used it before, but there are plenty others that seem to point to the same things. It is always good to check out both sides of a new site – since you are putting your credit card information in and we live in the age of identity insecurity!

Again, the real reason I am not using DubLi, too many opportunities to spend money frivolously! No thanks.


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Same Dress for a Month???

Filed under :Attitude, Saving Money, Simplicity

Could you wear the same dress, every single day, for an entire month?? Maureen Rice tried this challenge and emerged a woman changed forever.

While you may not feel as compelled to buy new clothes, it is still a fascinating look at how clothing makes us feel!


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ThePrudentWife.com is being revised

Filed under :Recession - Sinking Economy, Saving Money, Simplicity, The Prudent Wife

Pardon our dust! We are redoing ThePrudentWife.com, with some upgrades. There may be technical difficulties through January as we work to bring you the most user friendly site, filled with money saving ideas, tips, great recipes and encouragement. We will let you know the moment we officially unveil the new site!

All current subscribers will have an additional quarter added to their current memberships as a way to thank you for our patience!


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England ~ Home-baking Makes Comeback as Families Cut Shopping Bills

Filed under :Recession - Sinking Economy, Saving Money, Simplicity
According to the Telegraph.co.uk, Home-baking
is staging a revival as people switch to making their own cakes in an
attempt to cut their soaring shopping bills, a new report has said.
 
Wow – all across the world, us “rich, spoiled type folks” are beginning to bake and cook again since the cost of groceries has soared so much! We would like to invite all of Europe to enjoy The Prudent Wife, our signature how-to cooking videos, recipes, restaurant favorites and more!

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Salary Change? Life after a six-figure salary

Filed under :Attitude, Recession - Sinking Economy, Saving Money, Simplicity, The Prudent Wife

Dave and I were talking about the “New America” as we came home from a New Year’s date. I was telling him how some of the focus of The Prudent Wife needs to be on the “new reality in America.” So many people were barreling along, doing quite well, thank you, then all the sudden, this economy has spiraled things out of control. What “was” simply isn’t, in so many lives.

Specifically, a friend had written me that their business income was HALF what it was. Half! Feeling alone, she was terrified, what does one do? We understand that. We have lived it. We went from 6 figures to $6000 the first year of our tumble!

And that causes massive readjustment of life.

It is hard to explain to the kids.

It can be hard to endure.

Hard to understand.

Hard to be content.

Hard to figure the day to day things out, how to pay the mortgage, utilities, food, and tithe, let alone any debt/entertainment/and what do you mean  you grew two inches again and need new clothes?

Sometimes, I wonder if our business did not fail 3 years ago, and we suddenly faced a mountain of debt, so that we could speak to what was coming. That perhaps the Lord’s purpose in this”Failure” was for us tolearn, then be transparent and vulnerable (no matter how difficult that can be at times) and say – hey, it CAN be done!

How about all the people we know that are losing their jobs, or dealing with rumors that the plant, business, branch, etc will be closing.

A new reality is bubbling around the edges of their lives.

For 6 months, we wondered every single Friday, whether Dave would get laid off or not. Six months. Every single Friday. That is a horrifying way to live, especially after having a business fail just before that!

We were discussing how much difficulty folks are having adjusting to these circumstances.

Some people continue to blaze right through, with nary a change in circumstances. Salary stayed the same, life got a bit expensive with gas going to above $4 a gallon, but now that it is back down to $1.40, all is well. Perhaps they cannot quite understand the struggle others are feeling.

Yet the not so fortunate that are struggling to work, some are taking new jobs, at 30%, 50% or 70% of their old pay, just so they can feed their families and pay their bills. And not complaining about it, jobs are scarce!

CNNMoney had this to say, in this excellent article “Life after a six-figure salary” With fewer jobs available, unemployed workers are taking any position they can find – even if it comes with a salary cut. Read the whole article here then tell us what you think by posting below!

We so understand the massive pay cut, and struggling to rework your life!

And you know, with the Lord’s help, we are going to make it through this. Period. He will never leave us or forsake us, it says in Hebrews. Just thinking of that verse makes me go grab it, and insert the whole little passage. Hebrews is such a great book, and this is one jewel in it.

Make sure that your character is free from the love of money, being content with what you have; for He Himself has said, “I WILL NEVER DESERT YOU, NOR WILL I EVER FORSAKE YOU,”

so that we confidently say, “THE LORD IS MY HELPER, I WILL NOT BE AFRAID. WHAT WILL MAN DO TO ME?”  Hebrews 13:5-6

And it is so very true!

Have you been struggling with the “love of money?” I have. And Lord forgive me and give me strength to overcome it.

If it is His will and we walk in obedience, the Lord is going to do great things in us and through us, if we will only let Him and stop being stubborn and stuck! He is burning things out of us that need burned out, from attitudes to habits and behaviors.

It is going to take time, and a lot of being content and accepting, to make it through, in the Lord’s grace, mercy and strength.

We can do it sisters – we can do it!


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How to Plan Wisely for Holiday Feasts and Fun…My Article is on Crosswalk!!!

Filed under :Holidays, Saving Money, Simplicity, The Prudent Wife

What an utterly delightful EARLY Christmas present! Wooo hooooo! One of the articles I had the privilege of writing for The Old Schoolhouse Magazine, has made it to Crosswalk.com, How to Plan Wisely for Holiday Feasts and Fun!

Wow!!!  2008 has been an incredible year for my writing!

Thank you Lord!


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Nature’s Antibiotic Food ~ Garlic White Salsa Recipe

Filed under :Health News, Recession - Sinking Economy, Saving Money, Simplicity, The Prudent Wife

This is a terrific natural antibiotic recipe that I just got from a loop I am on! This is similar to what another American missionary to Poland uses each winter!


GARLIC WHITE SALSA RECIPE_/ //by// Valorie /__

 Nature’s Anti-biotic Food

  •  1/3 cup raw Garlic cloves
  •  1/3 cup raw White Onion
  •  1/3 cup raw Horseradish
  •  1/3 cup raw Ginger Root
  •  1/4 to 1 Habanero Hot Pepper* *(more if you like)
  •  1/2+ cup raw Apple Cider Vinegar (use an organic one)

Peel garlic cloves and put them in a blender. Peel and cut onion in half and then into quarters and toss into blender. Wash horseradish and ginger root and cut 1/4 inch circles and place in blender. Toss in the hot habenero pepper and pour the apple cider vinegar over the blender contents and blend to a thick applesauce consistency. Add more apple cider vinegar if needed to blend. Should your Salsa end up too watery, then strain off some of the vinegar and use it on a salad. Again: *_Do not allow this mixture to contact Silver or it will be  green._* Store in a pint or quart jar. Refrigeration is not required but you can keep it in the fridge if you prefer it cold.

 

Eat as a condiment or dip. A number of people have told me they really like to use it as a salad dressing, or instead of using horseradish with their roasts.


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Beans and Rice, Rice and Beans

Filed under :Homemaking, Saving Money, Simplicity, The Prudent Wife

Have I got some recipes to share with you! We made the most amazing things this week…..

Will post later!


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Economy Blues – The Twists and Turns of Life

Filed under :Attitude, Recession - Sinking Economy, Simplicity, The Prudent Wife

Sometimes our family situation is EXACTLY what this election is all about. We are the typical American family. We were in a house that we bought when things were good, that lost value, our mortgage payment was too high, job on the line, waiting to be fired. Three years ago we were self employed, making good money and with no worries. Today, we are a financial mess.

Sometimes I wonder if the Lord did not allow us to make the choices we did, to put us in the position that we are in, so that we can effectively minister to other families in similar positions.

Dave is about to lose his job, has been for 3 months. His company is downsizing, not doing well. 300 employees are now 180. Black Friday comes each week. Every single Friday we wait in breathless anticipation to see if he will lose his job. He is on salary, but he is still giving it his all. Working until 7pm and then coming home, remoting in and doing hours of work. The IT department was told to reduce by one.

Meanwhile, in the spare moments we have, we created a resume and portfolio to apply for jobs everywhere.

Stressful.

We just downsized our home, after almost a year on the market – the albatross is gone.We are so excited to be living within our means – and ready to attack the debt snowball. It took us a year to get to this position. We were looking forward to the obedience of the move allowing us to really focus with gazelle intensity and pull ourselves OUT of debt.

Yet there was another twist and turn of life and we are left wondering. Will Dave lose his job? Will he get another job? Can he make as much as he makes now? In this economy, with companies shutting their doors in our area, closing forever, will he make enough to pay the bills, let alone work on that debt snowball we had hoped to knock out.

Business debt still looms. We didn’t get the $700 billion bailout. We are just Main Street – literally – who has to pay off their debts.

And we just want to be free.

So Lord, help us to not dissolve in fear at what is going on, and to go forward. And Lord, please help us become an encouragement to someone else in this long, drawn out story. Take the pain we have lived through these last few years, and through honestly sharing our story, let us encourage others. Help us remain thankful for your bountiful provision.

Our most sincere desire is to encourage others, as we work through this difficult time! We can do this.


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She paid off 100 Credit Cards in 15 months!

Filed under :Recession - Sinking Economy, Saving Money, Simplicity, The Prudent Wife

Great CNN video on how one woman paid off over 100 credit cards! Wow! Inspirational! Of course CNN is shocked how the church helped her do it…hmm…God’s plans for His children can be confusing to CNN!

My recommendation – enroll in Financial Peace University, get serious, and subscribe to The Prudent Wife when it is released this fall – and you will be well on your way to paying off your debt!


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