My daughter loves American Girl (AG) products. She is 10 years old. If you aren't familiar with AG, their stuff is good quality but very expensive. My daughter gets paid $10 from our neighbor to vacuum her home most weeks. She saves her money and when she gets $30-40, what does she do? Spend it on AG.

Okay, the dolls cost $90. Thank God her grandma gave it to her for a birthday gift last year. However, my daughter brought her doll a tennis outfit that came with a visor and tennis racket. It cost $48. I told my daughter I wouldn't pay $48 for an outfit for her, let alone for a piece of plastic.

Anyway, obviously our daughter is a great saver. But once she saves her money, it all goes to this pretty plastic non-human thing. I've started to take 50% of her earnings to go towards her savings account.

Funny, my husband and I are so frugal, and our daughter loves saving for pricey frivolous things. Hopefully she'll grow out of it.

Have your kids picked up your frugal ways?

I have a baby shower coming up Saturday for a client. I just found out about the date this Friday, so I probably won't be able to attend because we already have plans. However, I do plan to purchase a gift, hopefully, going in on half with my sister (she's her friend too) who will probably attend.

Because most of my clients are all over the country, I never meet them face-to-face let alone ever see them. But this is a client since 2005 (off and on), before I made the rule of coaching clients over the phone, only.

I usually spend $10-15 dollars on baby shower gifts, but I will probably spend $15-25 for this client. However, since we're not a big gift giving family, it will throw us off our budget some. But I will take the cash out of another of our envelopes.

Are you a big gift giver? If so, do you have a budget, and how much do you usually spend in a month or year?

I just called my investment company to inquire about our money market account being FDIC insured. It isn't. Then I asked if our IRA's were insured (I thought they were). I was told that only banks and credit union's money is FDIC insured. The Merrill Lynches, Lehman, Vanguard, and Fidelity types are not. So if something happens, all your money goes bye-bye. I'm not trying to cause panic, however I do want you to be informed.

I'm transfering our money over to our credit union today. Better safe than sorry.

Are your investments FDIC insured? You better find out quick!

Yesterday my family went to the Tennessee Aquarium for a quick one-day get away. When we arrived we needed parking. Surprisingly enough, there was alot of spaces available in the paid lots and on the street.

I told my husband parking on the street was free because if was Sunday. Of course he didn't believe me, and decided to ask a local person. Well, the local person told him parking wasn't free on the street. So my husband spent 10-15 minutes driving around to see how much different lots were charging. One was charging $8 for the day, another $5 for the day, and another $4 every 1.5 hours.

I kept assuring my husband the meter actually said "parking was free on Sunday," but that wasn't good enough either. Then my husband went inside a restaurant to ask. Yeap, she said, "parking was free on Sundays."

Finally, we found a spot right in front of the Aquarium on the street for free.

The moral of the story. Husband's listen to the counsel of your wives, and don't always go with the first parking lot price. The price is always cheaper somewhere else.

I talked to a friend a few days ago, and she told me she had a new phone service called "Magic Jack." With Magic Jack for only $39.95 you get free local, long-distance, directory assistance, phone number, call waiting, voicemail, caller id, and you get a free trial for 30-days to try it.

She said, it's great, and their bill is only $39.95 a year. The only downfall, you have to change phones numbers. Their website is www.magicjack.com.

Have you heard of Magic Jack? What do you think?

I grew up with ice cream. Two things my dad would get at least twice a week was more milk and ice cream. I mean with eight kids and my parents, he had no choice. Back then ice cream was really affordable. Also, Dairy Queen was my most favorite place to get ice cream.

Okay, so let's fast forward to 2008. I still love ice cream, even though I don't eat it as much (health reasons). However, a few weeks ago at a community event, my daughter wanted an ice cream cone and they were $5.00. She was outraged! I personally couldn't believe it either. Also, a major "ice cream" franchise that we once loved, their cones went up to $3.75 each. Yeah, it's homemade, but so what.

I use to have an ice cream maker that was absolutely wonderful, but it broke. Now, when I am in the mood for ice cream I go to Target and pick up 1/2 a gallon. Even at the store a 1/2 gallon can be close to $5.00. I always look for a sale on ice cream for $2.69 or close to it.

Do you make your own ice cream, buy it, or do without it because of the price or other reasons?

I went to my favorite bbq restaurant today. About every two months I purchase a discount coupon for $12.50 that is valued at $25.00, and I meet my sister for lunch. She lives over an hour away, and it's a half-way point, and it's a nice treat for her.

Our favorite bbq restaurant's food is outstanding, and the prices are very affordable. However, for the last year we have been anticipating their move to a new location. They have been renovating the building for probably a year. I'm very happy for their success. However, yesterday evening when I went to their website, they had a new website. It was beautiful, classy, and they had new menus.

Then I noticed the prices had increased significantly. I mean, the combo that was $13.00 with two sides was now $18.00 with only one side order. The grilled tilapia with two sides that was $11.00 was now $17.00 with one side order. Even the kid’s meal went from $3.00 to $6.00 and the drink was no longer included. We would have to pay $1. The new menu has appetizers now. The chips and salsa/guacamole is $10.00. Crab w/spinach and artichokes is $12.00. Geez, is my bbq joint becoming a fine dining place without my permission?

I called my sister to give her the bad news. We felt sad, because they had now priced us out of their market. Lunch was still affordable, but the drink that was included in the $8.95 price would cost an extra $1.49. Thank God, they have not moved to the new building. They are still using the old prices.

However, we are disappointed because we know the move is coming and it will be rare or never that we will go there.

Have you noticed some of your favorite eatery prices escalating to unreasonable rates? Can you share your experience?

I just got the bill for the home warranty for our rental property. It is $515.00. Gosh, let me see, last year the company says they saved us $253.00. But we spent $515.00 to save that. Plus, our tenants are responsible for the first $50 of repairs. We had two incidents last year, and then one wasn't even covered under the warranty.

I want a cheaper warranty, but can't seem to find one out there. I'm thinking of putting the $515.00 in an account each year for repairs or emergencies. Our rental is 15 years old, so thankfully we haven't had any major problems. I know something huge could happen and we could be out of alot of money. However, with those home warranties, what you think is covered isn't always covered. We tend to find that out at the last minute, and it's too late.

What about you, do you use a home warranty company for your primary residence or rental property? Know any good deals? If so, are you happy with the service?

What did we do when there were not cell phones? We lived! I realized around six months ago that I really didn't need my cell phone. I work at home, I rarely have it on, and I have NEVER used it for a "real" emergency. I now realize it is a convenience incase of a "what if." However, a "what if" hasn't happened in 10 years.

So now I have a phone plan that is only $26 a month. I get 200 minutes during the day and anytime minutes starting at 9pm on weekdays and all day on weekends. However, I still do not use it. The other reason I do not use my cell phone, is because I believe cell phones are not good for your health. When I have used it, I end up with a headache and a hot spot on my head where I had the cell phone.

Also, I do not need my cell phone for long-distance, because I have unlimited long distance on my landline, and hardly anyone has my cell phone number anyway. It's a convenience that is costing me $312.00 a year. For some people a cell phone is a necessity, but for me it is not. Unfortunately, I have a two-year agreement. However, if I continue to pay monthly for a service I never use, I will say bye-bye to the cell phone.

Do you really need your cell phone or is it more of a want and convenience?

I recently went on a business trip that required a rental car once I arrived in the city. I didn't make the initial reservation, the company's travel agent did. I rarely use rental cars, so I was pleasantly surprised to learn "they are a major rip-off."

First the travel agency got a car that cost $78 a day. A day! Okay, then I had to get insurance. The cost $40 a day. Next, I got the GPS system to make sure I got where I needed to go. Price: $13.95 per day. Then I got the gas plan that was fixed for my 24 hour stay, which came fo $64. Finally, I was charged a 10% fee of $33.82 just because of what? Stil do not know. The final cost for having a rental car for 24 hours $391.20.

I know it wasn't my money per se, but goodness gracious. If people are actually paying these prices for rental cars, they will find themselves in bankruptcy. These were corporate rates. Obviously, corporate rates suck!

I know for a fact you can get incredible car rental rates on www.priceline.com or www.orbitz.com. We went to Oregon for eight days and rented a car on orbitz. It cost around $150 for eight days. Also, we went to Arizona, rented a car, and the cost was around $180 for 5 days.

What has been your experience with rental cars?

Do you know the minimum amount it takes for you to live or survive each month? Is it $2,000, $5,000, $6,000? Getting out of debt is wishful thinking if you do not get serious about knowing exactly what money comes in and how much you spend each month.

If you do not track your receipts or spending, how do you know how much you spend on lunch, dining out or entertainment? What about that cute pet, how much does it cost you each month or year?

One thing I know for sure, you should start tracking "all" your money if you don't. Determine what it cost for your lifestyle to operate. If it cost too much, scale down. If it cost a little, pay more debt, save and invest the difference.

What about you, do you track your money? How much does it cost to operate your life?

I went to the dentist today for a routine cleaning. That is all! In the lobby they had a new flat screen tv, promoting the horrors of oral cancer. When I sat down in the dentist chair the hygienist stated, it was their new policy I had to have an oral cancer exam or they couldn't clean my teeth. After a 1/2 hour consulting with their office manager about their lack of customer service for not telling patients ahead, I decided to go ahead. It cost $65 (I'm mad).

Okay, then the hygienist check my gums and says I need a procedure to do a deep cleaning that cost, get this, $836. Oh yes, and if I didn't get the procedure done, she couldn't even clean my teeth. So I walked away with, get this, a $100 bill. In the past checking my gums was always FREE, but today they said it cost $25 (plus my $10 co-pay), and in the pass three years, she said, “Someone dropped the ball for not charging me to check my gums.” Unbelievable!

My husband immediately cancelled his and our daughter's appointment for August. We are now looking for a new dentist. I felt like we were dealing with used car sales people. A visit that should have taken 1/2 hour, turned into 2 hours, and I'm out of $100, mad, disgusted, and almost ready to leave dentists alone.

Are "dentist" the new suckface savages stealing our wealth? What do you think?

My husband and I just decided to sell our other car and go down to one car. We realized that our lifestyle allowed us to have one car. Having one car could save us around $2,500 a year in gas, insurance, tags, and maintenance. It's a small price to pay.

What about you, can you go down to one car to save money? What would you do with an extra $2,500 a year?