Category Archives: Home and Garden

FREE Resources for Gardening and Selecting Easy-to-Grow Plants for DFW and North Texas ~ Post #6

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Note about this post: We are taking a little blog-cation over the coming days and are republishing some of our top posts from the past (in no particular order). We look forward to being back with you in a few days! :)

True confession: I love to dig in the dirt.
I melt with envy when I see “good dirt,” since my backyard is filled with
clay-like gooey soil mixed in with a healthy ~ errr, unhealthy ~ amount of limestone rock.  It takes a whole lot of work, compost, etc to make the plants in our suburban Fort Worth garden happy, but in the end, it is incredibly satisfying to plant something in the garden and see it blissfully take off!

Let me not lead you astray, though, as I do not have a “green thumb!”  Yes (another confession), I am a plant killer. Please don’t call the plant police!

The Strong Shall Survive
(a.k.a. This plant will not be voted off the island!)
Texas Summers are brutal, so after several years of taking the lives of lots of wonderful (but helpless in my hands) plants, I have developed a motto for my gardening tactics and plant choices: “The Strong Shall Survive!”   Let’s face it.  I don’t handle horticultural disappointment well and definitely don’t have the intestinal fortitude to be a farmer.

That said, my list of favorite plants that survive the abuse known as “me” largely includes North Texas-friendly perennials and a few hardy herbs and vegetables.  I especially love the ones that have been shared with me by friends and family and have a known history like the Texas Gold Columbine that came from my mother’s garden last week, the rosemary that was a Christmas gift from a friend, the antique violets from my Grandmother’s garden, and the 3 Red Knock-Out Roses that a friend dropped off as left-overs from a project (love leftovers like these!).  Each one brings a happy memory and smile to my face!

Plant This, Not That.
After much trial and error over the years, I have discovered several great resources that have helped my plant success rate go up (and conversely, caused my “kill” rate to go down!).  Following is a list of some of my favorite “go to” sites for selecting plants for this area, along with a few books you can get cheap at Amazon.com or on loan from the library:

:: Free Internet Resources for Texas and DFW area gardening

  • Ask Mr. Smarty Plants: Love this site! Mr. Smarty Plants is a free service provided by the staff and expert volunteers at the Lady Bird Johnson Wildflower Center. It is written in language that even a novice gardener like me can understand.  Send in your challenging plant problems and questions or just peruse the extensive database of Q&A from others.  They do answer all questions and most responses are accompanied by gorgeous photos of the plants discussed.
  • Calloway’s My Texas Garden: This local site provides a terrific list of quick-read resources for Texas gardeners.  You’ll find everything from tips on how to discover your garden personality to choosing plants that attract hummingbirds. If you sign up for their “Garden Club” (FREE!), you’ll also get notifications of free store seminars plus links to some terrific coupons and store specials.  Last month I received a 50% Off Coupon for anything in the store & now I’m a proud owner of a terrific new weeding tool (dear dandelions, you will not win!).
  • Texas A&M’s List of Texas Star Plants: I have tried several of these plants and each one gets “The Strong Shall Survive” seal of approval!
  • The Grumpy Gardener Blog: I have been following southern horticulturist Steve Bender (Southern Living Magazine) and his tongue-in-cheek campaign against “Crepe Murder” for years.  If you have sawed off your crepe myrtles and turned them into stumps, he just might pay you a surprise visit and have a word or two :).  He now has a blog that is full of great Southern gardening tips (and as a bonus, he will make you laugh).
  • Lady Bird Johnson Wildflower Center Native Plant Database & North-Central Texas list of Recommended Plants: The amount of information on each plant in this database is amazing.
  • Native Plants of Texas: This is a really handy search engine for finding Fort Worth & Dallas friendly plants with specific needs (i.e. drought or shade tolerant).  You can narrow your search by type of plant (Evergreen trees, vines, groundcovers, etc) and even color.  Most searches produce a variety of corresponding plant pictures.
  • Texas A&M Horticulture’s Spring Planting Calendar for Vegetables (DFW Metroplex is Zone 8, Region III). Great guide for when to plant those veggies in our area.

:: Recommended Books for Texas and DFW Area Gardening

  • The Southern Living Garden Book:  This is the first book I pull from the shelf when I have a garden question. It’s a great encyclopedia of plants and other gardening info for Southern Gardeners.  In fact, a few years ago, I learned how to prune my roses with the easy-to-follow illustrations and guide.
  • All New Square Foot Gardening, Grow More in Less Space: Provides a  fun approach and easy-to-follow guide for a simple 4 foot x 4 foot  vegetable garden, along with lots of money-saving tips for frugal gardening.  It’s an easy way to grow a vegetable garden in spite of our terrible North Texas soil (great for small suburban gardens, too).
  • Howard Garrett’s Texas Organic Gardening:  Howard Garett, our local garden expert, is my go-to person for organic gardening info. His book provides solutions specific to Texas gardens like the best (and worst) plants for our area, organic ways to improve your soil and deal with pests, and other great organic gardening tidbits.
  • Texas Home Landscaping: If you are trying to save on landscape plans and want some do-it-yourself guidance and ideas for making your home landscape more attractive and functional, this is a great resource.  This book gets my “Strong Shall Survive” seal of approval, as all plants recommended should thrive in our area & are Texas friendly. There are abundant illustrations and plant photos throughout (love that it shows you what plants will look like from initial planting to full-grown plants!).  Each plan will tell you exactly how much land space you need as well as the recommended plant list.

I know I’m just scratching the surface of the many local garden resources that exist, so please share some of your favorites in the comments section!  Tell me about what you are planting (and your favorite plant survival tips too)!

Enjoy and Share! :)



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New Favorite: Baked Balsamic Chicken ~ Post #5

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Note about this post: We are taking a little blog-cation over the coming days and are republishing some of our top posts from the past (in no particular order). We look forward to being back with you in a few days! :)

      

A couple of months ago I discovered a “no-fail” recipe for baked chicken. This easy recipe has consistently provided the most moist and flavorful baked chicken and is my new “go-to” for all recipes that start with a base of cooked chicken.

The recipe is perfect as is (served right out of the oven with the balsamic sauce), but we also like the chicken without the sauce, served cold and chopped up on a green salad.  It would be great for chicken salad and sandwich wraps, too.  I double the recipe and freeze the extra chicken for quick and easy meals.

Baked Balsamic Chicken

Ingredients

6 boneless, skinless chicken breast halves

1 ½ teaspoons fresh rosemary leaves, minced, or ½ teaspoon dried

2 cloves garlic, minced

½ teaspoon freshly ground black pepper

½ teaspoon salt

2 tablespoons extra-virgin olive oil

¼ cup balsamic vinegar

4-6 tablespoons white wine (optional)

Directions

1.  Remove excess fat from chicken and rinse the chicken. Combine the rosemary, garlic, pepper, and salt in a small bowl and mix well. Place the chicken in a large bowl. Drizzle with the olive oil, and rub each piece of chicken with the spice mixture. Cover and refrigerate overnight.

2.  Preheat the oven to 450°F. Spray a heavy roasting pan or iron skillet with cooking spray. Place the chicken in the pan and bake for 10 minutes. Turn the chicken over. If the drippings begin to stick to the pan, stir in 3-4 tablespoons water or white wine (if using).

3.  Bake until a thermometer inserted in the thickest portion of the meat registers 160°F and the juices run clear (about 10 more minutes).

4.  If the pan is dry, stir in another 1-2 tablespoons of water or white wine to loosen the drippings. Drizzle the vinegar over the chicken in the pan.

5.  Transfer the chicken to plates. Stir the liquid in the pan and drizzle over the chicken.

To freeze extra chicken:  Eliminate steps 4 & 5.  Place chicken on a wax paper lined cookie sheet, so that the chicken is not touching.  Freeze for 2 hours (or until outside feels frozen) and then transfer to a freezer safe bag or container.

Do you have a favorite recipe?  We would love to hear about it! Share your recipe in the “contact us” section.

 

Enjoy and Share! :)



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Is Refinancing Your Home a Wise Option? ~ Post #4

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Note about this post: We are taking a little blog-cation over the coming days and are republishing some of our top posts from the past (in no particular order). We look forward to being back with you in a few days! :)

Mortgage Rates Fall to Record Lows.
Average mortgage interest rates just hit their lowest level since 1971 , and if you are a homeowner, this is a really good time to explore refinancing. And I do mean “explore.”

Just because rates have dropped doesn’t necessarily mean that it is wise for everyone to refinance immediately.  Refinancing involves applying for a new loan which will be used to pay off the old loan.  Remember that mile-high  stack of mortgage paper work?  You’ll have to go through that process all over again, (but the extra effort could really be worth it in savings).

Is Refinancing Your Home Right For You?
There are lots of good reasons to refinance your mortgage including a lower interest rate, a shortened mortgage term so you can  build equity and get out of debt faster, lower monthly payments, or switching from an adjustable rate to a fixed-rate mortgage.

Before you invest too much time in the refinance process, make sure you can say “yes” to the following 2 questions (the basic refinance rules of thumb):

  1. Is the new refinance interest rate at least 1 percent lower than your existing mortgage interest rate?
  2. Do I plan to own my home until I break even on the refinance costs?

If you answered “no” to either of these questions, it might not make sense for you to refinance at this time, as loan costs could exceed any potential interest savings.  Keep reading, if you said “yes” to both questions or if you don’t know the answer (we’ll try to help you figure that out below).

6 Easy Steps To Determine If A Refinance Will Save You Money
If you can say yes to the above questions, you still have a little loan shopping and comparison homework to do in order to decide whether a refinance is a wise option.

  1. Find out if your current mortgage has prepayment penalties. Although it is uncommon, some mortgages do charge a prepayment penalty. If this is true of your mortgage, determine how much you will be charged if you  pay off your mortgage  early.
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  2. Shop for the best refinance deal. We recommend that you only look at fixed interest loan rates from reputable loan providers (go here to learn more). Also compare your total closing costs and refinance fees among potential lenders, costs like: points, survey fees, appraisal fees, attorney fees,  mortgage prepayment penalties and more (read the list of potential fees here). Ask each lender to give a complete list and total cost of fees in writing so that you can make a fair comparison.  If they will not give you this in writing, consider this a red flag.
    ..
  3. Learn what the new monthly mortgage payment will be. Each bank or mortgage company should give you, in writing, the new interest rate and monthly mortgage payment, based on at least two options:
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    1. Add the closing costs and refinance fees to the remaining balance of the home (this is called “rolling costs into the mortgage”), AND
    2. Pay the refinancing fees and closing costs out-of-pocket and in cash. If you can swing it, this is typically the better financial option, providing a higher amount of long-term savings.
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  4. Compare the offers and their potential savings. Use the refinance calculator (here) to compare the interest savings and refinance costs for each lender option and figure out which gives you the most favorable overall cost savings. If you’ll have a prepayment penalty on your current mortgage (Step #1, above), determine what the penalty would be if you refinance, and add that amount to your closing costs when you make your comparisons.
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  5. Calculate your break-even point. For each loan scenario, write down the number of months for interest savings to offset closing costs” (9th box down in the refinance calculator). This is also known as your break-even point.
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  6. Analyze your break-even point. Estimate the number of months you expect to own your home and compare it to the break-even points calculated in steps #4 & #5 of each loan scenario. If the expected number of months that you’ll own your home is greater than the break-even point number of months, then refinancing will likely offer you long-term cost savings.

An important side note on taking cash out: You might figure out that this is the right time for you to refinance.  Depending on the amount of equity you have already invested in your home, your loan provider might give you the option to get cash back and take out a bigger loan.  While this might be tempting, we strongly recommend that you avoid this option if possible.  It will likely cost you more money in the long run, could possibly wipe out any potential savings you make from the refinance, and might extend the amount of time until you can be debt and mortgage free. This option benefits the lender (who makes more money off the larger loan), not you.  Just say “no” to this option!!

Are you planning to refinance your home?  Do you have any words of wisdom you can share from your home refinance experience? We’d love to hear about it (please leave a note in the comments section)!


Enjoy and Share! :)



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FREE or Cheap: Fantastic Entertaining Ware, Cookbooks & More From One Kings Lane

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You might have seen in one of last week’s posts, when you join One Kings Lane for FREE as a new member, they’ll give you $15 to use towards your first order of $30 or more.  If you haven’t signed up yet, you can still do so and get the $15 credit, here.

Since you have to use the $15 credit within 30 days (or you lose it), we want to find ways to help you apply the credit to get some great goodies for FREE or really cheap.  Today, there is a wonderful boutique full of fresh and festive entertaining ware (like a set of 6 fun dessert party plates ~ $12 before the discount! Woot!) ~ definitely worth checking out.  Most of the sets of dishes, cookbooks, cups & more in this boutique are priced $9 to $20 (so after the $15 OFF credit, quite a few things would be FREE!).  Here’s the scoop…

How to Get A FREE Set of Plates, Cups, or Bowls

If you haven’t already used your $15 credit, you might consider using it for some of the fun things we found in today’s One Kings Lane Classic Coffee, Tea, & More Boutique Sale (look for the boutique picture link above, once you get logged in to One Kings Lane).  You could get most of these goodies in this boutique FREE or really cheap when you use the $15 credit.   There are almost 150 items to choose from.

Even without the credit, you can score some great deals today (sale ends Wednesday) like these sets of plates, bowls and cups  ~ terrific for a party or use as a nice hostess gift:

Learn more about One Kings Lane and how to get the $15 Credit here.

Go here to sign up for free and get the $15 New Member credit!

Enjoy and Share!    :)

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HOT! 50% OFF At Overstock.com ~ LivingSocial National Deal

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Worthy of passing along…


LivingSocial introduced a fantastic daily deal today: For $10 you get $20 towards a purchase at Overstock.com!  Overstock.com is already a terrific place to look for discounts on  brand name clothes, toys, and housewares (even tools and hardware!), so purchasing with this voucher could make for a really great bargain! The LivingSocial voucher is valid until May 4, 2012.

Find out more details here.

Easy steps for getting this great deal:

  1. If you are new to Living Social, be sure to first sign up for FREE here.  After you’ve signed up, click the link in step #2 to go directly to the deal.
  2. Signed up with LivingSocial already?  Hurry over to this link (before the end of the day Saturday) which takes you to the offer and other details to make your purchase.
  3. Pop over to Overstock.com and have fun shopping!  Be sure to use your voucher before May 4, 2012.
  4. That’s it!  Easy-breezy, right?

Enjoy and Share!    :) 

Linking to Amazon or LivingSocial through our site helps support Frugal in Fort Worth (bunches of thanks!)

Hallmark Cards: Buy One, Get One FREE Coupon

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Hallmark has a terrific printable coupon (click here) for Buy One Get One FREE Cards  ~ just in time for Valentines Day!  Don’t wait too long to print this, as I’m not sure how long Hallmark will have this up on their site.  Note that the coupon is good for up to $2.50 value.

Enjoy and share!  :)

 

Back For a Limited Time: FREE $10 Credit From Rue La La (For New Members)!

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For those who missed out last time, Rue La La  has brought back their FREE $10 credit offer for the next few days ~ woo-hoo!  Here’s the scoop:

Join Rue La La for FREE before Valentines Day, and you’ll get $10 credited to your account to use towards your first Rue La La order. This is for new members, and there are no other strings attached (& no spending minimum ~ love that!).

You can potentially find some fantastic gifts for FREE or really cheap (& we will help watch for the best deals before the credit expires). Do note that the $10 credit is offered only to NEW accounts through February 14, 2012 and will be applied to your account within 72 hours of signing up.  You’ll have about a month to use the credit (it expires March 14), so don’t forget to use it before it disappears!  :)

Go here to sign up for free and get your $10 credit!

 

New to Rue La La?  

It is worth checking out Rue La La, the flash/daily deal boutique site (owned by PayPal) which offers every day quality home and clothing brands (like Ariat Boots, Crocs shoes, and Cuisinart Kitchen products) as well as very high-end fashion items (such as Halston, Cartier, Vera Bradley, Judith Ripka, and Stuart Weitzman) ~ all at discount outlet store prices.  Every day you’ll find new bargains including beautiful clothes, magazine-page worthy home decor, toys, housewares and lots more.

There are about 10-15 new boutiques introduced on Rue La La daily ~ they typically sale out fast and last only a few days.  If something you like does sell out before the sale ends, you can ask to be put on a waiting list for that item.  Sometimes it works out if the manufacturer has extras.

Rue La La describes themselves as “an exclusive, invitation-only online destination where members discover premier-brand, private sale Boutiques, each open for just a brief window of time. Our focus is a well-edited collection of sought-after offerings from the best brand names in the world – combined with helpful service…Membership is by invitation-only.”

And, joining Rue La La is FREE (Click here).

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Enjoy and Share!    :)

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Frugal in Fort Worth (bunches of thanks!)

50% OFF TurboTax Deluxe Download ($25 at Amazon For a Limited Time)

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Amazon has run some really hot offers this month including this $25 deal for TurboTax!  If you plan to use this do-it-yourself tax software this year, you might not want to wait on this one, as the price will unlikely stay this low for very long.

For a limited time, Amazon is offering TurboTax Deluxe for PC or Mac for $25 (50% OFF, MSRP $49.99) ~ it’s even cheaper than the “basic” version of this software!  This is the same version that is currently selling at Costco at their discounted box price of $39.99. We’ve looked around at our favorite discounters and can’t find anyone who has beat this price yet.

Go here to get the TurboTax download version for PC

Go here to get the TurboTax download version for Mac. 

Enjoy and Share!    :)

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Up to 65% OFF Select Refrigerator Water Filters ~ Whirlpool, Kitchenaid, Kenmore, Maytag & More (No Coupon Needed)

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Here’s a great deal if that pesky time-to-change-your-water-filter light is blinking on your refrigerator (or about to be)…

It is way past time for us to replace the water filters on our refrigerator, so it was a nice discovery to find that through January 31, Amazon is giving an extra 20% OFF refrigerator filter replacements for select Whirlpool, Kitchenaid, Kenmore,  Maytag, and Amana refrigerators.  That savings is on top of the current discounted price you’ll see from Amazon, bringing some of the filters to 65% OFF the retail price you would normally pay!

For my purchase, that meant I received from Amazon, 2 Water Filters for the same price as 1 from Sears  (that’s even after Sears discounted price!).

Buying Tip: Do note, that you won’t see the extra 20% discount subtracted from the selling price until you get to the final “Review Your Order”/Order Summary confirmation page (which is the last page you’ll see after you input your shipping and credit card details) ~ right before you actually approve the order to be placed.  It will look something like this (click picture to make it bigger):

Go here to view all the water filters that qualify for the extra 20% OFF sale.  The extra savings sale does expire January 31, 2012.

 

Enjoy and Share!    :)

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GREAT SALE: Save 25-70% OFF Select Closet Storage & Organization Products at Amazon

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If one of your goals for this year is to reduce clutter and get organized, you might want to check out this fantastic sale going on now on storage and organization products at Amazon ~ savings up to 70% OFF & FREE shipping on most orders over $25.  Go here to view the sale.

Here is a sample of some of the bargains we found:
The great price on these clear hanging pocket organizers really caught my eye. In my home, I use these for not only organizing jewelry, but small art supplies as well.

 

Enjoy and Share!    :)

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FREE $15 Credit From One Kings Lane!

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One Kings Lane Has a HOT $15 Credit Offer!

For a limited time, when you join One Kings Lane for FREE, you’ll get $15 credited to your account to use towards your first One Kings Lane order of $30 or more. It looks like you have 30 days to use the credit before it expires, but other than that, there are no other strings attached (love that!). Do note that the $15 credit is only offered for new accounts.

Go here to sign up for free and get the $15 credit!

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Here are some of the fun things we found in today’s One Kings Lane sales that you could get for FREE or half price with the $15 credit:

Pretty ceramic serving pieces and unbreakable kitchen storage, starting at $8!

Fun rugs for kids rooms, starting at $27 (after $15 Credit)

Not Familiar With One Kings Lane?

One Kings Lane is a by-invitation-only daily deals home decor site that has been featured for their amazing bargains on Bravo’s Million Dollar Decorators, People Magazine, Good Housekeeping and more.

I’ve recently discovered the exact same lamps sold at Anthropologie and Neiman Marcus for over 50% OFF through OKL, Cuisinart kitchen appliances for 40% OFF Macy’s prices, and Melissa & Doug educational toys for kids at really great discounts. Their sales change daily, so it’s a fun place for bargain hunters looking for great quality for their home.

Membership to One Kings Lane is FREE, but you have to be invited to join (and you are officially invited by Frugal in Fort Worth!). Pop over to their website here to join.

Enjoy and Share!    :)

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FREE Printable Daily Planner & To Do List

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I’m not generally one for making new resolutions with every turn of a calendar year.  I read an article over here that pretty much embodies my thoughts on this (much more eloquently than I could say).  That said, I do feel like 2012 is going to be a year of being more intentional about the things and people who matter most in my life. 

I just found a free printable daily planner from writer Ann Voskamp that looks like a perfect tool for getting my fresh, intentional year off to a good start (thank you so much Ann!).  Along with a nifty “to-do” list format, it even has a place to write a memory verse, a check off for your workout and water intake, and a place to capture a “pearl” of gratitude from your day.  I love what she says when describing how to use this planner: “Standing in an imperfect place is just the perfect place to begin, and everyday offers the hope of Day 1. His mercies are new every morning and this is a gift.” Yes!

If you are looking for a fresh way to be more deliberate with your personal time, organization, and planning you just might want to print this out yourself!

Go here to get the free daily planner page.

Enjoy and Share!    :)

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HOT! Personalized Gift Deals From Around the Web

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I love “one of a kind” gifts. So the fact that both Rue La La and One Kings Lane kicked off some fantastic personalized gift savings deals today (up to 70% OFF!) was worth mentioning.  Savings Tip:  You’ll want to hurry over ~ these deals are only available for a couple of days and usually sell out quicker than that. 

Here are some of the deals that caught our eye:

40% OFF customized iPhone Covers at One Kings Lane 

Customized Plates, Bowls, and Wall Art For the Family at Rue La La

 How to get the offers:

  1. For Rue La La, sign in or join here for FREE ~ OR ~
    For One Kings Lane sign in or join here for FREE.
    Once you are signed up/signed in…
  2. Find and select the “boutique” on each site by scrolling through the discount “boutiques” listed (look for the images below).
  3. Make your purchase before the deals expireThere are limited quantities of these items available, and they only last a couple of days, so I would recommend not waiting too long to make your purchase.
  4. If you have not used your $10 Rue La La credit, it will be applied to your total when you check out.

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New to Rue La La?

It is worth checking out this flash/daily deal site (owned by PayPal) which offers every day quality brands (like Ariat Boots, Crocs Shoes and Cuisinart Kitchen products) to very high-end items from boutiques (such as Halston, Louis Vuitton, Vera Bradley, Gucci and Stuart Weitzman) ~ all at discount outlet store prices. Every day you’ll find new bargains including beautiful clothes, magazine-page worthy home decor, toys, housewares and lots more!  Membership is invitation-only. And, joining is FREE.

Discover One Kings Lane

One Kings Lane is another by-invitation-only daily deals home decor and home goods site that has been featured for their amazing bargains on Bravo’s Million Dollar Decorators, People Magazine, Good Housekeeping and more.  I’ve recently discovered the exact lamps sold at Anthropologie and Neiman Marcus for over 50% OFF through OKL, Cuisinart kitchen appliances for 40% OFF Macy’s prices, and toys for kids at really great discounts.  Their sales change daily, so it’s a fun place for bargain hunters looking for great quality for their home. Again, membership to One Kings Lane is FREE, but you have to be invited to join (and you are officially invited by Frugal in Fort Worth!). Pop over to their website here to join.

Enjoy and share! :)

Hot! For $25, Receive a $50 Restaurant.com Gift Card AND a $25 Target Gift Card ~ Today Only!

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Today, December 15th Only, Pop over to Plum District (local daily deal site) to get this great deal: For $25, you’ll get a combination $50 Restaurant.com Gift Card AND a $25 Target Gift Card.  You can even purchase multiples of this deal if you want (it is worth noting that the Restaurant.com and Target Gift Cards do not expire!).

Here are a few ways you can save even more:

Go here learn more.

Enjoy and Share! :)

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FREE 4×6 Photo Flip Book from Snapfish.com

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For a limited time, Snapfish.com is offering a FREE 10-page, 4×6 Customizable Photo Flip Book when you enter coupon code HPFREEBK (at checkout).  They have some other great “Buy One Get Two” type Christmas photo books and calendar deals at this link as well.

Extra Savings Tip:  Be sure to shop through shopathome.com to get 12% cash back for any other purchases you make at Snapfish (Once you login, use their store finder to go to Snapfish and link to the store through them). If this is your first time using shopathome, sign up using this link and you will get a $5 credit added to your account!

Enjoy and Share! :)

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