Showing posts with label ethical companies. Show all posts
Showing posts with label ethical companies. Show all posts

Thursday, July 25, 2013

Discount Tire Equals Great Customer Service


Discount Tire
Got a Flat?
Waiting in line at Discount Tire yesterday afternoon, the service tech had no idea that we were watching him as he patiently talked with an elderly woman, making sure she was properly cared for. We have shopped at Discount Tire for several years, not just because they offer the best deal on tires hands down, but because they also offer the best deal on service.

Did you know that you can pull into any Discount Tire on any day of the week and they will check your tire pressure and refill it for free? No questions asked. In fact, that is why we stopped by yesterday with my mom's car. As we waited in line the mechanic cheerfully filled the tires on the car in front of us and gave the elderly woman a fresh bottle of water. He didn't sell her any new services or suggest that she needed new tires, he simply aired up the one's she had and gave her a friendly smile. When we pulled forward he did the same for us, 'no questions asked', no sales pitch. It is simply great marketing, Discount Tire knows you are going to have to replace your tires about every 40,000 miles, so good customer service and a little free air is no big deal.

Another reason we like Discount Tire so much is this 'no questions asked policy'. I can remember one time we bought a more expensive set of tires and they didn't ride like we thought they would and Discount Tire took the tires back two days later 'no questions asked'. They simply put a different set of tires on the car which we were perfectly satisfied with. Discount Tire also offers an incomparable tire hazard package. Not only will they cover a flat do to road hazards but they will apply that warranty to wear and tear. So, as your tires get old you basically get a rebate towards a new set.

In a hurry? Discount Tire will not keep you waiting, you will be in and out in about an hour even on a busy Saturday Morning. And you will never pay full price. Discount Tire is always running a special or mailing out a coupon.

You may also enjoy reading:
AAA Auto Shop Review or
Saving on Fuel

One final note, if your car is not worth repairing, then you may consider donating your car for a tax credit. Organizations like Goodwill will allow you to donate your car for a tax credit and then they will repair it and sell it at a discounted rate to someone in need.


Friday, June 21, 2013

Considering frugal Reviews Fry's Electronics

fry's electronics review
Fry's Electronics is Not Considering frugal
Need a new laptop, Xbox, or TV? Best Buy is your best bet; they are in fact a sustainable company. We recently purchased a brand new laptop from Fry's Electronics, not a sustainable company, and our experience was well....I predict Fry's Electronics will declare bankruptcy sometime in the next five years if not sooner.

The Initial Purchase

We bought what we believed to be a perfectly good new, not used, laptop. It was a Dell Inspiron, 15 inch with an Intel processor. We purchased the service agreement and it seemed to work just fine for the first two weeks with exception to the weak Wifi card. Around day 16, we noticed a message when shutting down and because we had purchased the service agreement we decided we would wait for our other laptop to be returned before taking it in. Around day 31, we ventured to Fry's Electronics with our laptop prepared to have it fixed. (insert scary music here)

The Interrogation

We waited in line at the service desk....an employee looked up the computer and took us to another line at another service desk...an employee spent an hour (literally) explaining to us what our purchased warranty would not cover and interrogating us as to whether or not we dropped, spilled or otherwise damaged the computer in anyway. The employee finally checked in the laptop advising us that if they found that we had dropped, spilled or otherwise damaged the laptop in anyway we would be liable for the damaged product. We were advised that our computer would be mailed to Dell for repair and it would be 6 to 8 weeks. (FYI, purchase a computer directly from Dell and you can have a service tech come to your house at no extra charge). The employee proceeded to give us a "loner" laptop for which we had to produce a deposit and sign an agreement to fix that laptop if we dropped, spilled or otherwise damaged it. We proceeded home with the laptop to find that it had NO MICROSOFT OFFICE!!!!! Um, I believe it is common knowledge that if someone needs a loner laptop they would likewise need Microsoft basics. We returned the loner as we did not want to be responsible for it only to find that our computer had not yet left the store.

Fry's Idea of Service

Flash forward three weeks....a Fry's Electronics employee calls and leaves a message that the laptop was not repairable and it would be "RTOed." We called the number they left three times, first it was faxing, then it was busy, finally we got through. The employee that answered the phone had never heard of the employee that called us and they had no idea what an "RTO" was. We asked for the store manager and after connecting with two more employees we were finally given the store managers name but told that he had left for the day. We called back the next day and asked for the store manager by name, the employee that answered the phone did not know who the person was, we advised them that this was the store manager. We were put on hold for another manager who tried to assist us and we asked for the store manager again...the phone was disconnected. We finally left a message for the store manager who would not take our call and he did not call back.

Store Credit No Cash Back

So, we went to the store in person...We waited in line at the service desk where we were told that we would be issued a store credit for $659.00. We produced a receipt for nearly $900 and requested our money back. This is when we first noticed the terrible disease that the supervisor was carrying, he had a horrible case of "my hands are tied." He explained that his hands were tied and although the business is full of computer geeks not one knew how to override the computer and tell it to give us our money back! So then, after several minutes we decided to take our store credit and go find the manager whom we were told was in. We proceeded to the next service desk to pick up our credit and that is where we asked for the store manager yet again. The unwitting young lady behind the counter said she would gladly go find him herself. She walked confidently to the front of the store but promptly came back in tears because she was chewed out by the two supervisors that stopped us. Wow! Do these employees not know about American labor rights???!!!

So then, the supervisor finally came back without a word and issued us a store credit for a fraction of what we paid without a care in the world that we would never be back!

While shopping at Fry's Electronics might save you money in the beginning, it is not a sustainable company which means that in the long run you may be out of luck. The number one rule to running a sustainable business is customer service. If you do not service the customer, you cannot stay in business and thus you will not be sustainable!

Read about some of the companies I have found to be sustainable.

Update: The following evening, after we had spent the partial store credit the manager did finally return our call. He offered us an additional $75 in credit, still a fraction of what we paid.

Monday, January 9, 2012

When spending more saves big

Spending more saves big when you buy organic. It saves your health, your environment and your freedoms in life. I have seen clips and read bits from the movie Food Inc. over the past few years but I never scraped up the courage to watch it until this weekend. Wow, almost didn't make it through the whole movie at once. It is sooo powerful, if you have not watched it yet, I encourage you to.

The movie had such an impact on us that I will probably be blogging about the changes that we are making for a couple of weeks. Surveying the Internet has been discouraging because there remains a shortage of organic business even in a big city like Phoenix. So today I will be hitting the grocery isles and comparing prices at local retailers.

In response to the movie here is a list of immediate changes we intend to make:
  • Eat Vegetarian more often
  • Buy organic meat when we eat meat
  • Buy organic corn
  • Buy as many organic products as we can possibly find
  • Eat at restaurants that buy organic meat and produce

You can look for new posts including a page of hearty Vegetarian dishes as they get the families approval, ideas of where to buy and save on organic products and forthcoming reviews of organic businesses. After watching the movie some previously favorable reviews may be edited or disappear from my site completely due to laws that would prevent a more critical review. Yes, you heard me correct...we have laws in our food industry that prevent us from talking about what not to eat. This movie is not just about eating healthy, it is about the eroding of our constitutional freedoms.

Here is the trailer...


Friday, December 30, 2011

Chicfila Considering frugal Top Fast Food Pic

top fast food pics
Considering frugal Fast Food Pics
 
Although eating fast food is unhealthy and expensive, we have all found ourselves in the situation of being out and about and hungry. When this happens, one of my first pics has been Chicfila in the past. Chicfila is arguably one of the most ethical companies in business with reputable company policies and high food preparation and cleanliness standards. Chicfila is closed on Sunday and committed to education. (Since this post first aired I have become a vegetarian and the family eats less meat. When we visit Chicfila, I choose a Crispy Chicken Salad and ask them to hold the meat).

Chicfila versus McDonald's

Chicfila is not everywhere and McDonald's is, for this reason I will stop at McDonald's occasionally. In recent years McDonald’s has attempted to add healthier items to their menu and has therefore set some precedence for other fast food chains to follow.  With the advent of “Super Size Me,” McDonald's banished the ‘Supersize Me’ option from the menu.  However there are still many more policies and procedures in question if McDonalds is to once again become an All American company.   We no longer stop at McDonald's, as an alternative to stopping anywhere we have become accustomed to brown bagging it on days when we will be running errands. This way we save money and our health and the kids learn lunch packing skills.

McDonald's is among the many fast food chains that use hormone fed meats and chemically processed food products. McDonald’s has indeed created a new image with healthier menu choices such as salads, yogurts and fruit added to their Happy Meals. McDonald's even includes apples in every Happy Meal now by cutting the fries portion in half.

Burger King

Burger King has to be my worst pic, not just my worst pic in fast food, but my worst pic of all companies.

When assessing Burger King as a company it is hard to ignore their unethical advertising practices as well as the numerous complaints that exist on the web; including an employee bathing himself in a Burger King sink on YouTube

Most recently Burger King was banned from Face book as they ran an advertising campaign asking users to choose which friends to block from their Face book account to receive a coupon for a free Whopper. The recent Face book campaign comes amidst other irresponsible advertising campaigns some staring a sleazy King and a crew of scantily clad booty swinging girls.
 
Although Burger King does offer some healthy alternatives and grilled burgers rather than fried, they are hardly a healthy alternative.  Neither will customers find Burger King quick to back up their famous slogan, “have it your way” as there are rampant complaints and even blog sites dedicated to complaining that there is no way to complain to Burger King when the service is that bad.  
Burger King is clearly unconcerned about socially responsible behavior. 

Thursday, December 29, 2011

Considering frugal Ethical Pic Starbucks

Starbucks Ethical Pic
Starbucks Considering frugal Ethical Pic

Why do I love Starbucks so much? It is because of the business plan. Although they may make a boo boo here and there, overall they are set up to succeed both ethically and organically.

What is an ethical company?

According to a researcher at Harvard University there are five phases to the development of social responsibility at the corporate level (Zadek, 2005).  This model begins with the defensive stage, “social responsibility is not our job”; the compliance stage is next, “we will only do what we are required”; the managerial stage, this is the stage where social responsibility is viewed as a public relations strategy; the strategic stage, “social responsibility can give us a competitive edge”; the civil stage, this is the stage where a company becomes a leader in social responsibility, encouraging other companies to do so (Zadek, 2005).
 
Highlights of a Great Business Model
Starbucks was one of the first companies founded on the principles of social responsibility.  Starbucks intentionally spends more on employee healthcare then they do on purchasing their product.  Starbucks offers full health insurance benefits to all of its employees both full and part-time (Ferrell, Fraedrich & Ferrell, 2007).  As a result Starbucks has one of the lowest employee turnovers of any retail business (Ferrell, Fraedrich & Ferrell, 2007).  In a country where affordable healthcare and health insurance are in complete scarcity, some would consider this extreme social responsibility. 
  
After stanch criticism over fair trade with coffee growers, Starbucks responded by establishing fair trade compliance rules (Ferrell, Fraedrich & Ferrell, 2007). It is clear that Starbucks has operated at the civil stage of social responsibility since its founding.  There is no question that Starbucks is a model of social responsibility. 
 

Starbucks Corporate gives full freedom to its store managers to donate sums of money to any cause in the local community that that manager feels is worthy (Ferrell, Fraedrich & Ferrell, 2007). Many pro-life/pro-family political supporters have been banning Starbucks for several years; however I would be inclined to believe that the solution to this problem is not so much found in banning Starbucks as in petitioning the local establishments (Hartline, 2006; Kleppinger, 2005).

If the local managers are given the freedom to support what the community supports than by all means as a community we must request donations for our educational programs and pertinent social needs.  Characteristic of a decentralized organizational model, Starbucks will shift with the paradigm of society (Ferrell, Fraedrich & Ferrell, 2007).

Not only does Starbucks give its managers freedom of philanthropy, it encourages employees both new and old to contribute suggestions to the company on a regular basis, publishing these suggestions, even the anonymous ones in the company newsletter (Ferrell, Fraedrich & Ferrell, 2007).  This method of publishing the suggestions affords a form of corporate accountability that encourages ethical behavior.  Starbucks is an organization that is not only a leader in social responsibility; it is an organization that encourages social responsibility on an individual level, which is where social responsibility begins.

References
                                                                                                                                                          Ferrell, O. C., Fraedrich, J., & Ferrell, L. (2007). Business ethics: Ethical decisionmaking and cases (7th ed.). Boston: Houghton-Mifflin.

Hartline, James.  (2006).  Starbucks funds homosexual causes.  Americans for Truth About

Kleppinger, Meghan.  (2005).  A habit easily broken.  Concerned Women for America.  Retrieved August 17, 2009 @ http://states.cwfa.org/articledisplay.asp?id=8788&department=FIELD&categoryid=nation.

Nike.  (2009).  Nike Responsibilty.  Nikebiz.  Retrieved August 17, 2009 @                            http://www.nikebiz.com/responsibility/.

Zadek, Simon.  (2005).  The five steps of corporate responsibility.  Harvard Business School.  Retrieved August17, 2009 @ http://hbswk.hbs.edu/archive/4573.html.


Friday, July 22, 2011

AAA Repair Shops May Be Over Inflating Prices

AAA Review
AAA Care Repair Might Not Be Your Best Bet
Car repairs can really break your budget, especially unexpected ones.  You can often be frugal and do your own oil changes and routine maintenance but when it comes to the bigger things, most of us are at the mercy of a mechanic and finding an honest one can be really tough.

As my husband and I recently found out, word of mouth is still the best way to find a good mechanic.  When we needed some more pricey repairs done on our jeep we did our homework and determined that a local AAA Service Center would be a reputable way to go.  They have several ethics awards and they have been around for years.  Wasn't their business built on reputation?  Well, buyer beware!

Over a six month period we were given three clearly trumped up estimates at a local AAA repair shop (owned and operated by AAA).  Each time we took our jeep or van to AAA for a repair we would come out with a list of things that they said needed to be "addressed" and each time the grand total was somewhere just under $2000!  I understand the art of the 'up sale' but it became exhausting. 

My elderly mother took her car into the very same shop and received a very similar estimate for repairs which she took to a different mechanic and compared service for service, AAA over had inflated the estimate by more than $1500.

Are all AAA Service Centers dishonest?  We should hope not, but the point here is that when it comes to a large purchase or repair, old fashioned word of mouth recommendations cannot be replaced by the web.

One final note, if your car is not worth repairing, then you may consider donating your car for a tax credit. Organizations like Goodwill will allow you to donate your car for a tax credit and then they will repair it and sell it at a discounted rate to someone in need.
 

Saturday, February 19, 2011

Revisiting Wal-mart

I shopped at Wal-mart this weekend...I know!  It was 90% convenience justified by 10% research.  After all the First Lady is partnering with Wal-mart in her campaign to get us healthy.  Wal-mart is pledging to offer more local produce which at some point they will have to start paying fair prices for lest they run out of local farmers (at least you would think).  Anyway, here is a list of what I bought. 

Burt's Bees Acne Toner ( cruelty free; 99% natural)

Florida Crystals Organic Cane Sugar (normally $6 something at Fry's, I paid $4 at Wal-mart)

Fruit of the Loom 90% Cotton Bra $8 (not organic, but hey all cotton is a renewable resource)

2 Cotton T-shirts $5 each (again not organic, but they do carry 100% organic cotton tees)

1 lb of Sam's Choice Fair Trade Coffee Beans

Am I declaring Wal-mart socially responsible? No, not yet, but what I am saying is that they do seem to be taking baby steps forward and I do believe that we as Americans can speak loudly with our wallets.  If we demand local produce and organic products that are fairly traded then eventually big American business is going to have to listen.

Sunday, February 6, 2011

Shop Local to Support Your Community



Two of the best ways to promote social responsibility are to shop local and shop small business.  Shopping locally not only saves the cost of packaging and shipping it also feeds an average $.51 on the dollar back into your community while shopping at a big chain such as Target or Wal-mart returns on average about $.01 on the dollar. The Small Business Association can provide you with a list of locally owned small businesses in your area.

If you cannot find what you need local or crave arts and crafts Etsy is a great alternative.  Etsy is the new small business revolution and the vendors are often eco friendly.  For city folk like me, Etsy puts the fun back in window shopping, offering everything from hand knit sweaters and cosmetics to vintage bags and tableware, browsing the windows of Etsy is like walking down main street in my Midwestern hometown.  I love it and it is great to know that I am supporting a small business person in a country where small business is disappearing.

Thursday, January 20, 2011

Starbucks new drink not socially responsible...walmart improving


Although Starbucks is usually on my top picks for ethical companies; I have to give them the thumbs down for this new 32 oz. latte.  That would be the equivalent of two of the large latte cups pictured to the left!  Seriously, not socially responsible marketing.  There is enough caffeine in this one beverage to give a middle aged man a heart attack on the spot not to mention the residual effects of caffeine addiction! 

Morgan Spurlock, if you are reading this, I urge you to highlight this in your next film (please don't endanger your life in any way) but this has to be along the same lines as McDonald's Super Size Me option.  Starbucks: if you are the ethical company that I do believe you are, then you will take this off your menu immediately.

On a side note, I do have to mention that, although I still do not condone Walmart as an ethical company, I did stop by there a couple of weeks ago and I was pleasantly surprised to find some new additions to the shelves.  There is a new line of Sam's Choice and other fair trade labled coffees.  Although Walmart's employment and trade practices are still in serious question, they were able to attain a fair trade label.  I am also impressed with the new green initiatives in place as well as the green products available.  Now if they could just start acquiring some fair employment practices....

Thursday, January 6, 2011

Saving with Green Stamps

I remember back in the day when my grandaddy bought everything with S&H Green Stamps.  I remember the fun of going to the store with him to pick out surprises for my grandmother and how magical it seemed that he could just hand the man behind the counter a book of stamps in exchange for a major appliance like a grill or a vacuum cleaner.  S&H Green Stamps worked much like credit card rewards do today; when you purchased groceries or hardware goods you would collect stamps and then trade them in for durable goods.  Sounds great! It had a novelty about it too; we were all so sad to see S&H Green Stamps go....and now, they are back! 

You can now collect S&H Green Stamps on the web.  They have been renamed S&H Greenpoints and you collect them electronically, but they are back.  If you go to the website and sign up then you will collect S&H Greenpoints using your grocery card and online purchases; you can use your points to purchase durable goods from the S&H Greenpoints online store.  I tell you these are very valuable; between gardening and S&H Green Stamps my grandparents didn't have a dime in living expenses! Should you find yourself with antique S&H Green Stamps you have one of two choices; you can redeem these stamps at the online store or you can keep them for their collectable value.

Thursday, October 7, 2010

Forbes Top Ethical Companies: Considering frugal Picks


Considering frugal company picks
Considering frugal Ethical Company Picks
Finding ethical companies to patronize is among the biggest frustrations for the socially conscience shopper.  This process is often made even more painstaking as we consult consumer reports in periodicals such as Forbes and discuss various political and social beliefs with friends and family.  I know for me several of the top ethical companies listed on Forbes are not what I would consider ethical at all.  Often we are bombarded with rumors of facts and figures circulated by various organizations that we are emotionally invested in. 

So, what is an ethical company?

An ethical company may not always agree with your personal belief systems.  An ethical company is a company that has core values and a business plan that values human and organic life rather than taking advantage of it.  Two great examples of this can be found in comparing the business plans of Starbucks and Nike.

Some would argue that Nike (one of Forbes most ethical pics) is now a leader in social responsibility with its guidelines for review, using fewer chemicals in the process of product production as well as its philanthropic opportunities, however Nike poses an interesting social dilemma, it states clearly and specifically on its website that it will not give any product or grants to a religious organization. If Nike is one of the trend setters in social responsibility, then this leaves us with the question is discriminating against groups with religious affiliations socially responsibly behavior?

Starbucks (also on Forbes most ethical pics) was one of the first companies founded on the principles of social responsibility. Starbucks intentionally spends more on employee health care then they do on purchasing their product. Starbucks offers full health insurance benefits to all of its employees both full and part-time. As a result Starbucks has one of the lowest employee turnovers of any retail business. In a country where affordable health care and health insurance are in complete scarcity, some would consider this extreme social responsibility.

Many pro-life/pro-family political supporters have been banning Starbucks for several years; however I would be inclined to believe that the solution to this problem is not so much found in banning Starbucks as in petitioning the local establishments. If the local managers are given the freedom to support what the community supports than by all means as a community we must request donations for our educational programs and pertinent social needs.

Characteristic of a decentralized organizational model, Starbucks will shift with the paradigm of society. The direction that Nike has taken is blatantly socially irresponsible. To discriminate against religious groups is corporate cowardice; Nike does not want to be accused of taking a religious stand in one direction or the other, so it will not donate to any at all, no matter how worthy the cause.


A decentralized organizational model is prone to unethical behavior; however Starbucks is a model that can be used to argue against this theory as it uses its decentralization to encourage its managers as well as individual employees to look for ways in which they can exhibit ethical behavior. I would argue that the decentralized organizational model, when used properly, encourages ethical behavior.

So, based on this information I have formed my own list of best and worst companies in regards to ethics.

My best list includes:

Starbucks for their decentralized business model, excellent employee treatment and commitment to fair trade.

Likewise, Costco, Chicfila, QT, Annie's Organics, Seventh Generation, Henkel, Salvation Army, Toyota, Ford Motor Company, Burt's Bees and Trader Joe's.

My worst pics list includes:

Nike, Walmart (I don't have the time or space to go into this now, you must read "Is Walmart Bad for America"), Duke Energy, Whole Foods (thier brands are not always "whole") and Kellog.

Saturday, July 31, 2010

Fuel Efficient Cars and the Best Gas Prices

fuel efficient cars
Need a car that is better on gas? Here are the best pics.


If you are in the market for a fuel efficient car, your choices are slowly getting more stylish and affordable. The Toyota Prius, the Honda Civic Hybrid and the Ford Fusion Hybrid all made the top pic list for 2013. I personally have sampled the Ford Fusion and it had a lot to offer in an affordable price range.  Toyota is also on Considering frugal's List of Ethical Company Pics.

There are several websites dedicated to logging the station with the best gas prices of the day; both Motor Trend and Gas Buddy will search gas prices across the nation. This is especially helpful if you are planning a weekend trip.

• On any given day, any one of the larger retailers may have the lowest price on fuel. Yesterday it was Fry’s and today it appears to be Sam’s club, so don’t get stuck in a rut of filling up at the same place all the time, be open to going where the fuel is cheapest.

Fry’s Fuel Saver Rewards is an especially great way to save on gas. There is no membership fee you just need a Fry’s card. When you shop for groceries at Fry’s then you receive rewards points that ad up quickly; when you swipe your Fry’s card at one of their gas stations then you save an extra $.10 to $.40 per gallon. Fry's gas stations do appear on Gas Buddy and if you go to the Fry's website they sometimes feature a downloadable coupon for double gas point rewards.

• If you are in the market for a new car, by all means consider a fuel efficient one; Tree Hugger has a list of the 10 most fuel efficient cars.

• You don’t have to become a ‘hyper miler’ to practice proper fuel economy. Popular mechanics offers a list of great tips, like planning your route and airing your tires properly. Read the full list of fuel efficient driving tips at Popular Mechanics.

Best Phoenix area gas prices
Check out the daily fuel economy tip for more ways to save on fuel.

Remember if you live in a big city to fuel up before dawn or after dark to help save the Ozone Layer.

One final note, if your car is not worth repairing, then you may consider donating your car for a tax credit. Organizations like Goodwill will allow you to donate your car for a tax credit and then they will repair it and sell it at a discounted rate to someone in need.

Friday, February 5, 2010

Watching Supersize Me

Supersize Me
 
Tonight we watched "Supersize Me." for the first time. Wow! I have been noticing as I look for eco friendly/socially responsible companies that most are not American; and it is not news to me that the big American companies lobby the government and keep us in the dark nevertheless I am still shocked about the extent to which these companies go to make our children food addicts and destroy our health and our environment. They have way too much control and I will be going out of my way to take the control back. This movie should be required viewing in every school in America.

You can watch a trailer of the movie on my blog.
Or you may want to consider Making Your Own Organic Chicken Nuggets.

How I became Considering frugal

Fueled by the growing list of pollution related allergies my family suffered from each day, and inspired by my 97 year old grandmother who could recycle ANYTHING before recycling was cool, back in 2011, I decided (in the spirit of the Julie/Julia Project...) to embark on a journey to see just how much one family could do to change our planet. I didn't consult any other parties before I launched this idea. Thankfully my husband, daughter and son are usually my biggest supporters. Here is the catch; as I'm normally very thrifty (you can note from early blog posts), I was looking for ways that I could reduce our carbon footprint and make socially responsible purchases without increasing our spending. Mmmmmm. We succeed in changing some of our habits a bit and finding ways to reduce our footprint. There were lots of fun epic fails alone the way too! But the biggest change we have made over the course of the last six years, was to move from the mega city of Phoenix to Wyoming. You can read my full bio on my About Me page.

Legal Disclaimer

While it is true that I am working on a PHD in Psychology and very smart and frugal, I am not a medical doctor, criminal, personal or accident lawyer. I do not sell insurance nor am I an accountant or mortgage advisor. While some of my posts may offer good ideas on home, health and business solutions, I am not personally responsible nor is Considering frugal for any advice, ideas, recipes or menu plans that you decide to use. This blog is intended to be helpful and fun. Any products you purchase from my Amazon store or any other retailer advertised on my blog must be returned to them. I may sometimes endorse a product that I love. This is simply my opinion, you must try all products at your own risk. While I personally do not use tracking cookies or share information, my affiliates are third parties and they may do so. Please click, travel and purchase at your own risk.

frugal advice

"...for your Father knows what you need before you ask." Matthew 6:8