How to Make Simple and Cheap Detergents

Ah now I know. I have to try making it sometime and see if it truly cleanses greasy, heavily soiled dishes. This is going to be a challenge for all of us in order to save some bucks at the grocery.

According to the latest government data, Americans spend an average of $659 a year on housekeeping supplies. The Bureau of Labor Statistics, which provides that figure, also says the average American earns about $787/week -- which means many people are spending most of (if not more than) a week's pay every year on dish soap, laundry detergent, and other cleaning products.

If that sounds crazy, here's a better idea: Make your own.

Recipes for cleaning products are as numerous as recipes for dinner. Here are just a few to help with dishes, clothes and more.

Dishwasher Detergent

Here's a simple recipe for dishwasher soap:

• 1 cup of borax

• 1 cup of baking soda

• ¼ cup of table salt

• 2 packets (half an ounce) of unsweetened lemon Kool-Aid

You can try to save even more by buying ingredients in bulk, but another idea is to find smaller and much cheaper boxes at your local dollar store: a good idea to since you'll want to try a small amount at first to see if you like the results. The amounts listed above are good for 16 loads -- one tablespoon each -- so even small batches will last a while.

Other recipes online vary: For example, we found one that suggested combining only borax and baking soda, 1 tablespoon each per load. Another suggested adding a little citrus essential oil to make it smell nice: We didn't try that one, however, because we had difficulty finding inexpensive citrus oil online. Then there's this recipe, which goes in a different direction altogether:

• 2 bars of shredded Octagon soap

• 1 cup of baking soda

• ¼ cup of washing soda

• ¼ cup of lemon juice

This one calls for melting the shredded soap in five quarts of water and then mixing in the other ingredients. If that sounds a little like the recipe for laundry detergent we wrote about last year, that's because it is.

Laundry Detergent

Speaking of laundry detergent, that's easy, too. You'll need:

• 4 cups of water

• ⅓ bar of cheap soap, grated

• ½ cup washing soda (not baking soda)

• ½ cup of Borax (20 Mule Team)

• 5-gallon bucket for mixing

• 3 gallons of water

First, mix the grated soap in a saucepan with 4 cups of water, and heat on low until the soap is completely dissolved. Add hot water/soap mixture to 3 gallons of water in the 5-gallon bucket, stir in the washing soda and Borax, and continue stirring until thickened. Let the mix sit for 24 hours, and voila! Homemade laundry detergent.

Other Cleaning Products

If you like the results of your homemade concoctions on clothes and dishes, why stop there? The next time you're at the store, instead of picking up a bottle of some expensive cleanser, grab these six items and make your own cleaning supplies:

• Vinegar. It may smell a little weird, but vinegar can handle everything from dishes to laundry and even weeds. We've written about the wonders of vinegar before.

• Baking soda. Eliminates odors and helps with stains, and also works as a natural method of pest control -- ants hate it.

• Borax. This mineral salt beats bleach as a toilet cleaner and is also useful for scrubbing walls. And as you see in the recipes above, works with laundry, too.

• Fels-Naptha soap. This one's actually made by one of those big cleaning companies: Dial. They recommend it for "pre-treating" stains. In other words, "use this in addition to a bunch of our other expensive products, like Purex!" But you can turn the tables by using it as part of a recipe for your own laundry detergent, and they can keep the Purex.

• Rubbing alcohol. Works as a disinfectant and is also a great glass cleaner. It also gets grime off plastic and metal surfaces like patio furniture or bathroom fixtures.

• Lemon juice. This cuts through dish grease and is an ingredient for homemade furniture polish -- but it's not the easiest thing to preserve long-term.

If making your own cleaning products sounds a little extreme, there are still simple ways to save. The best? Buying generics. And if you insist on using name brands, at least clip those coupons -- but only the ones worth your time.

LIFTED FROM THE ORIGINAL SOURCE

10 Expenses You Need To Avoid

The economy hasn't recovered yet and a lot of people still struggling in their day to day lives just to make ends meet. In order to to do this, here are a couple of things you should avoid paying if you must to save you some bucks. Read on and I hope it is helping you in some way.

Banking Fees of All Sorts

Banking fees are generally small -- a couple dollars here, a couple dollars there -- but they can add up to hundreds throughout the year if you're not careful. Don't pay money just to manage your money. You can take easy steps to avoid these fees:

• Overdraft fees. Sign up for low-balance alerts via e-mail, and link your checking account to your savings account to move money as necessary to avoid $35 fees for insufficient funds.

• Checks and postage. Pay your bills electronically instead. You'll also avoid any late fees and black marks on your record if the postal service loses your payment.

• ATM fees. Know where your own bank's ATMs are located, even in other states, so you can save $3 every time you get cash out of the wall. Or consider switching to a bank that offers free ATM usage regardless of which bank's ATM you tap.

• Coin-counting commissions. Save the 5% it can cost you to cash in your nickels and quarters at the supermarket. Coin counting is gratis at hundreds of TD Bank branches in the Northeast, Mid-Atlantic and Florida, whether or not you have an account. (Just pray the machine, called Penny Arcade, isn't down for service. That seems to happen a lot.)

Basic Investing Advice

There are plenty of wise reasons to engage a financial planner or adviser -- but there are also pointless ones. If all you want is help choosing mutual funds, especially if your choices are basic index funds inside a retirement plan, it's silly to fork over as much as 1.5% of your savings each year for someone to run a common software program to do this for you. You can arrange your money among different investments yourself or build a simple portfolio with little effort. Then rebalance every quarter or six months to restore your weightings.

By all means, get an excellent estate planner or an accountant when it's time to think about taxes and bequests. But you don't need help for everything.

Help Applying for Financial Aid

Commercial sites like FAFSA.com will help you complete and submit the important application for student aid for $79.99. But at the U.S. Department of Education's site, www.fafsa.ed.gov, you can fill out the application for free -- with all sorts of guidance on how to assemble the proper personal information.

Pet Care

Pet-sitting is big business these days, with brand names, franchises, uniforms, logos, and even lobbyists and consultants. But if your little guys are healthy, you can save the $50-a-day boarding fee while you're on vacation by asking a responsible neighbor, friend or family member to feed, walk (if needed) and hang out for a bit with your cats and dogs -- provided you volunteer to do the same when they're away. Make sure your helper knows who your vet is, and, obviously, don't be so informal if your animals have health problems that mean you should board them with the doctor.

Insurance on Rental Cars

The rental-car clerk will offer you a collision-damage waiver (sometimes called a loss-damage waiver), which can cost $10 to $20 per day. The CDW shields you if the rental car is damaged or stolen. But as long as the rental is for personal use and you have collision coverage in your own auto-insurance policy, you're covered without the CDW (with the same deductibles that apply to your own car).

Your credit-card benefits supplement your auto coverage. Most cards will pick up your deductible, and premium cards offer beefier coverage. Keep in mind that credit-card protection doesn't include liability. And if you've dropped comprehensive or collision coverage on your policy, the rental car will not be covered if it is stolen or damaged in an accident.

Credit Reports

Don't fall for sites that offer "free" credit reports, which often end up enrolling you in expensive credit-monitoring programs that you usually don't need. You can get a free copy of your credit report from each of the three credit bureaus (Experian, Equifax and TransUnion) once every 12 months at www.annualcreditreport.com. It's a good idea to stagger your reports -- getting a free one from each bureau every four months -- to keep an eye on the status of your credit and spot potential ID theft throughout the year.

Warranties

The other day I bought the snazziest new Samsung smart phone from T-Mobile at the fair price of $249. The sales rep couldn't let me go, however, without asking me to pay $125 more for insurance against me dropping the unit or otherwise ruining it. The cheaper electronics get, the less these warranties make sense. Same's true with appliances. Now, if I could insure the suits I take to the dry cleaners -- or the luggage the airlines throw around -- we might have something to talk about.

Shipping for Online Shopping

At www.FreeShipping.org, you can find coupons and codes to secure free (or deeply discounted) mailing or delivery from hundreds of retailers. Some of these are constant offers as long as you make a minimum order. Others are occasional deals with a limited life. And if there's no cost for mailing, you can't get hit with that mysterious charge for "handling," right?

Water

There are times you'll pay anything for a cold bottle of premium H2O. If you're driving through the desert, riding your bicycle on a hot day or dealing with grimy yellow stuff in your pipes, price is no object. Once while on vacation in Florida, a construction crew accidentally cut the water lines to our residence. Off to Wal-Mart it was -- or we would've been unable to cook, wash or even make coffee for 12 hours. But why pay for bottled water all the time? Is it actually safer? Bottled-water makers aren't required to test their water or make their test results public. And few brands reveal important details about the source of their water and what it contains. Heck, about 25% of bottled water actually comes from the same municipal sources that deliver water to your home.

Information lifted from its ORIGINAL SOURCE