THANK YOU ALL

Thanks to all who replied to my panicky call for help in coming to terms with my mother's broker. It is painful to witness the process whereby she has been--and is being--manipulated by this man. 

I am amazed that my little blog, which has a very small footprint in the big world of blogging, should attract people so willing to share their expertise. It means a lot to me that my misgivings and suspicions have been corroborated by others.

My father, whose death propelled my mother within a few weeks into the "arms" of a broker to whom she gave total control of her assets, would, I am sure be horrified. I began this blog a few months before my father's sudden and unexpected death. In rather ironic timing on the part of the universe, my father died in November 2008, in the midst of panic about the Great Recession, revelations about Bernard Madoff, and an uncertain future for many.  My father and I had, to be plain, a terrible relationship, which still pains me to  contemplate.  But he was very good at finances and enjoyed managing his money. I learned a lot from watching my frugal dad. 

Remember: Return the Duds

I am a big believer in saving little bits of money; over time, they add up. Lately there has been a lot of cleaning up and out in our frugal home, both for happy reasons and sad ones. Many transitions.

Miss Em is getting ready to return to school soon. As the neatest and most organized member of our household, she gets it done. Today, she got together stuff that needs to be returned.

I am always recommending sticking to shops with unconditional guarantees. To wit:

Garnet Hill: two sweaters (she's keeping the shoes)
Nordstrom: some shoes that, alas, did not fit well
LL Bean: her backpack ripped at the seams

These guarantees are great, but only if you make use of them. I am always quoting my late frugal dad: You're paying a lot of money for that guarantee, so use it.

Additionally, she is returning items to two stores that you may not know stand behind their merchandise: Sephora and Bed, Bath, and Beyond. Yes, if the eyeshadow doesn't please, bring it back.

Being a good consumer can yield more than a few dollars back. The total for the above is going to be SOMETHING, even though everything was bought on sale.

Have you been a good consumer lately?

My Summer (Financial) To Do List and Scary Financial News

At the end of the summer, I am always filled with sadness over things left undone. There are always many. But as I was cleaning up--as we prepare for our last family visit for the summer--I found a list.

RETURN STUFF TO LANDS END
RETURN STUFF TO LL BEAN
TAXES!!!!!!

Yes, I did all those things. Thanks to the American Opportunity Tax Credit, which covers college textbooks, we got a hefty refund, all of which is going to our next summer's travel. Returning unsatisfactory items to LE and LLB is being a conscientious consumer, something my Frugal Dad would have been proud of.

The scary financial news coming every day is reminding me of the dreaded year 2008. Honestly, all I can do is focus on my little frugal ways.

Are you scared by the news these days? How's your To do list?