Expansion Difficulty/Complexity: Medium-Easy

This Certificate of Deposit was the second expansion we created for the game (invented by Madoline) of Monopoly. After the Lottopoly (coming soon), I find this to be the most fun. The interest rates are rather high compared to real-life CD’s, but they help to illustrate the point that investing pays off, and it is so much fun watching the money add up.

Objective

To learn the system and benefits of saving and investing via Certificates of Deposit (CD’s).

How to Play

• Download and print the Bank of Monopoly Certificate of Deposit Form (includes rules).
• Banker
  Designate a player to be in charge of CD’s. This person will receive and deposit into the bank the money to be invested, fill out the CD form, keep track of players’ passing of “Go,” calculate interests and penalties, and pay out the earnings from the bank.
• Opening a CD
  Deposit the amount to be invested in the bank and fill in the player’s name, opening balance and term of deposit. The term is the number of “months” or circuits around the board. Deposits may only be made on the turn when a player passes or stops on “Go.” Once a deposit is made and the term is set, it may not be changed.
• Marking off the months
  When a player passes “Go,” the banker marks off a circuit under 1st, 2nd, and 3rd Months. This indicates the passage of time. If a player purchases a CD for 1 month, his account is considered mature after one full circuit of the board. 2 months require 2 full circuits, and 3 months require 3 full circuits.
  Note: Going to jail does not constitute a circuit as one does not pass “Go.”
• Payouts
  When a player passes “Go” for the last time, his/her earnings are calculated and the balance paid out.

Click on the image below to see a sample

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With the charms of summer also come not-so-charming and unwelcome visitors. With consistent 100+ degree weather in the desert we call home, 6- and 8-legged visitors (or really more like trespassers) are almost a regular part of life. But we have discovered a few safe and relative effective ways to keep the trespasser traffic under control without endangering our health or that of our children/pets Ludwig and Wolfgang.

Ways to Safely Repel and Kill Ants

Ants are the largest problem for us. In this desert, there are more types of ants than we have seen anywhere else we’ve lived - there are tiny red ants, medium ants, and jumbo ants (luckily the jumbo ones don’t see fit to come inside).

Prevention is the Best Medicine

The most basic, safest and easiest way to keep the ant traffic down is simply keeping the kitchen as clean as possible.

• Avoid leaving dirty dishes in the sink.
• Wash pots and pans immediately if you cook anything with meat or a lot of oil.
• Wipe the counters several times a day with soap. A minuscule crumb or little drop of something sweet can quickly bring a hoard of ants.
• Take out the kitchen trash everyday. Take out trash immediately if it contains meat, bones, greasy paper towels and napkins, meat packaging and sweet things.
• Avoid eating in bedrooms, and be careful of dropping crumbs in other rooms of the house.
• I’ve also found that having the air conditioner on helps.

Creepy Fact: When you dispatch an ant on duty, you are in fact killing a “she” and not an “it” (or “he”). Worker ants are all female. The males are only used for breeding.

Ways to Safely Kill Ants

Sometimes keeping clean doesn’t keep them away completely (scouts sometimes explore squeaky clean counters), or if you miss a crumb or two. If you have children or pets as we do, the fewer poisons you use around the house the better. Even if you don’t have children or pets, it is best to avoid using toxins as they will affect your health.

• Vinegar
  Vinegar is our preferred ant killer. It kills small ants almost immediately and is completely safe. Simply spray the ants and wipe them away.
• Yeast and Sugar
  Mix some dry yeast and sugar and leave it out in a place ants frequent. The sugar will attract the ants to the yeast, which once brought back to the nest and consumed, will expand in their bellies and kill them. This method might cease to work after a few times as the ants might wise up and avoid the yeast. Caution: Make sure the yeast is in a location that can’t be reached by your pet(s). It’s not poisonous, but ingestion can be dangerous.
• EcoSmart
  I recently discovered a natural and effective insecticide called EcoSmart, which is made of organic vanilla, cinnamon and rosemary oils. It kills ants and other insects on contact and smells nice while at it. It is also affordable at $3.87 per can at Walmart. This is the only commercial insect repellent and killer we use in our house.

Keep reading for tips on repelling and killing other insects (spiders, roaches, silverfish, etc.)

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Vinegar is the frugally-, environmentally- and health-minded person’s best friend. Vinegar derives its potency from acetic acid, CH3COOH. The acidic nature of vinegar gives it the ability to kill bacteria, dissolve unwanted substances, and kill and deter insects and pests. Keep in mind that vinegar will corrode certain metals if not wiped away promptly. Because vinegar is very potent, test a small spot or do a little research before using on delicate or very costly items. Here are a few suggestions for saving money and your health by substituting vinegar, which can be had for as little as $2.50 a gallon at your local supermarket, for common cleaning agents and pesticides around your house.

• Killing and deterring ants. In order to be effective, you must spray ants with undiluted vinegar. DO NOT WIPE AWAY THE DEAD ANTS. I find that ants only stop coming if you leave the bodies for their fellows to carry away and a lingering sour smell. Spray doors, windows, and perimeters of beds with vinegar.
• Spray flying or crawling insects. This is more effective than a fly swatter because flies don’t think they have to flee from a spray of “water”. It’s also nice to not have smeared insects or poison in your house.
• Removing water stains from glass, bathrooms, dishes, fish tanks, dish racks, etc. Hard water deposits are alkaline (basic) and vinegar being an acid will break them down.
• Removing tea and coffee stains from cups and teapots. Spray and let sit for a minute, then wash as usual. This is also useful for very greasy cookware or burnt grease.
• Washing dog dishes which are often coated with a thick layer of slimy saliva that is not easily removed with dish detergent.
• Disinfecting sink drains, shower drains, and your throat. When drinking, dilute with water and add honey. Honey is not necessary for drains.
• Cleaning windows. Much cheaper than window cleaners.
• Removing stains from fabric and carpets. Can be added to laundry.
• Polishing varnished wood and other surfaces.
• Clearing drains. Pour baking soda down the drain and then add vinegar.
• Cleaning your pets’ ears. Swab with a vinegar and water solution.
• Cleaning and conditioning hair. Mix with shampoo to remove styling products and excessive oil. I once read that vinegar contains enzymes which are good for hair.
• Deodorize your pet. Mix with shampoo and wash. May be good for pets with skin problems, but you may want to check with your vet in case certain conditions makes skin sensitive to acid. Undiluted vinegar is not recommended for cats as they have very thin skin.
• Soak your feet. Kills bacteria and odor and helps remove old skin cells.
• Polishing coins. We did this in 6th grade science class.
• Making a bang. My cousin once liked to fill a small resealable (Ziploc) bag with baking soda and vinegar. The bag expands with the gas produced by the two substances and explodes with a bang. Rather an exciting event for a kid.

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Pictured here is a plaid suitcase made by covering a family size Bisquick carton, complete with Velcro closure and faux leather handle. This is another frugal but effective storage solution.

The directions for making this suitcase are thus:

1. Start with a cardboard food carton with one end shut and one end open.
2. Cut a piece of paper or fabric to the dimensions you would use to gift wrap this box.
3. Cover the box using either white glue, wallpaper paste, or decoupage medium. Cover each flap of the open end.
4. When glue is dried, use either Velcro, a button, string or ribbon to keep the open end closed.
5. Attach a handle of your choice with hot glue. Some possible handles are folded paper or fabric, pieces from old purses and backpacks, sections of dog collars and leashes, old jewelry.

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While gifts are a great way to show that you care, an important thing to keep in mind is that most mothers and grandmothers would probably prefer to spend quality time with their families on Mother’s Day rather than receive a fancy and expensive gift. The most frugal and meaningful gift would therefore be a family get-together: watching movies at her house, a backyard barbecue, playing games, a picnic at the park or going to the zoo with her children and grandchildren. If you do have such as family outing, make sure someone takes lots of pictures and provides her with an album or photo CD of the day. This is, of course, unless your mother lives with you and your kids and what she would like most of all would be an entire day of peace and quiet to herself at home.

As for actual gifts, we believe most mothers would appreciate something you made or put some thought and effort into. Below are some suggestions for Mother’s Day gifts. Ideally, you would do some of these things all year round, but Mother’s Day is a good time for them too. Not all of these ideas will suit everyone, but hopefully some of these will work for you and your mother, grandmother, great-grandmother, wife, or any other maternal figure in your life.

Note: Not all of these suggestions are really “frugal” as in “cheap”, but they are frugal in that they are ideas for prudent, useful and practical, but still meaningful gifts that show you’ve put thought and effort into it and, therefore less likely to go to waste as many commercial Mother’s Day gifts tend to.

Hobby Gift Baskets

A few suggestions for baskets you can assemble. You can often find nice baskets at dollar stores or at thrift stores for a very low price. Many of the items recommended in the following list (i.e. books and music) can be purchase used and still in good condition. Used items often clean up nicely with a bit of rubbing alcohol and a paper towel. And even purchased new, these items still make useful gifts with lasting benefits.

• For the Literary Mom
  If she likes to read, scour used books stores and library sales for books she would like (mysteries, vintage books, classics, etc. - paperbacks suggested) and assemble a book basket. You could even include a few snacks to enjoy while she reads (cookies, chocolates, cocoa, tea or coffee mix).
• For the Crafty Mom
  A basket of yarns, fabrics, sewing, knitting or crochet supplies. You could pick out a craft instructions book, find a project she might like and assemble the necessary supplies for that project.
• For the Musical Mom
  CD’s, sheet music, and music books. You might pick a particular theme such as Mozart, Beethoven, Debussy, romantic piano, or Italian opera or music from her youth. For older moms, you might have to include a CD player. For pianist moms make or buy a cushion for the piano bench (the unpadded ones are incredibly hard even for young bodies).
• For Moms with Pets
  Assemble inside a new litter box or pet bed: treats and necessities such as grooming supplies, pet vitamins, hair catching tools, odor control, collars and leashes, training equipment, hair bows, super odor suppressing cat litter, car restraints (seat belts), and/or an obedience class paid for by you.
• For the Gardening Mom
  An assortment of seed packets with flowers, spices, fruits, and vegetables. The frugal mom may save a lot of money growing her own produce. For areas with insect problems, herbs such as lavender may deter bugs from the home. You can also include a book on using herbs for health and beauty and include seeds for the plants described.
• For Culinary Moms
  Collect free recipes online to present on index cards or a handmade book. You might choose recipes based on a theme, such as appetizers, a certain ethnicity, a favorite ingredient, or health benefits. You might wish to include few kitchen gifts like a baking pans, knives, silverware bought on clearance (we got ours for under $5), cheese graters, rolling pins, seeds for herbs or young herb plants. Instead of a basket, you could give a blender filled with fruits and smoothie recipes.
• For the Scrapbooking Mom
  Scrapbook supplies and the promise to provide future memories for her to document. Look for creative scrapbook materials such as pretty paper salvages from greeting cards, gift wrapping paper, and nice packaging from things you buy. Ribbon, beads, lace, small toys, letters of the alphabet cut from magazines, cards, and used books. Doilies and decorative embellishments can be purchased at half price or less after a holiday. Glue and scissors might be useful too.

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I recently learned an interesting and amusing fact concerning the relationship between psychology and money. While discussing pet names, my cousin—who has the happy name Felicity—mentioned that a favorite dog name among the Taiwanese is “Money”. The reason for this is that they like to call “Money come! Money come!” every day.

I quickly saw the cleverness in this seemingly facetious action and how it can realistically influence the dog owner’s fortunes. Some years ago, I read a book on hypnosis, which is not about levitation and tricks but methods of making suggestions to the subconscious mind for the purpose of influencing the actions of others and self. While there is no magical or spiritual power in chanting regularly for money, the suggestion and affirmation of this statement can be very persuasive to the subconscious mind. The subconscious can then discreetly influence one’s behaviors and decisions to turn this statement into fact. The lucky owner of the dog named Money may find other forms of money responding to his or her call.

Tell a friend