An anniversary giveaway. This one’s big.

One year ago today was the “soft launch” of Surviving and Thriving. I never thought I’d be the kind of person to write a personal blog.

Turns out that I can be that kind of person, when properly motivated. Specifically: I wanted a place for all the topics that aren’t a match for my day job at MSN Money. Writing about how to stretch a buck is challenging and rewarding but I have other thoughts to express, too.

I write about money a lot over here, too, but Surviving and Thriving isn’t strictly about frugality. Neither is it about navel-gazing. (My navel isn’t all that interesting. No one’s is.)

Now that I’ve gotten through one year and 317 posts, I would like to say a heartfelt “thanks” to you, the readers. Thanks for reading, for coming back week after week, for leaving comments.

To celebrate the one-year mark, the usual giveaway features 21 prizes and will last two weeks rather than one. The top prize is everybody’s favorite: an Amazon.com gift card. And it’s a big one.

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14 frugal uses for an income tax refund.

I’m getting an income tax refund this year. Well, let me rephrase that. I would be getting a refund, except that I’m applying it toward the quarterly taxes I pay as a freelancer. Whee!

What are you going to do with your refund, if any? My former MSN Money colleague Liz Weston suggests spending 10% of any windfall on something non-essential. So go ahead: Treat yourself.

But don’t let the rest of the money trickle away. Invest it in something, or several somethings, that will benefit you for the rest of the year – or even for the rest of your life.

 

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How often do you wash your jeans?

If you take Real Simple’s “When-to-wash-it handbook” as gospel, then I’m a total pig. Apparently I should wash my jeans after four to five wearings, launder my PJs every three or four days, and spend $10 on four ounces of a special swimsuit shampoo.

I don’t do any of those things. Oink, I guess.

Good thing I don’t wear silk PJs – Real Simple says they’re supposed to be washed daily.

In fact, I don’t wear a nightgown at all except in the winter. Sorry if that’s TMI for you. But I have an even dirtier image to share: Sometimes I wear a shirt twice before washing it.

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Weighing in on ‘Extreme Couponing.’

Want to save 50% at the supermarket? Here's help.A lot of people have strong feelings about the TLC reality series “Extreme Couponing.” My own impression of the show is secondhand, since I don’t own a television.

Technically I could see the next two episodes because the TLC publicist kindly gave me online access. Ultimately I decided not to watch. Based on what I’ve read and also on what my daughter told me and wrote about the show, I would just wind up depressed.

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In praise of the rag bag.

It takes me forever to use up a roll of paper towels. I wish I’d written the date inside the cardboard tube of the roll currently in my kitchen. It’s been there at least a couple of years. Even though I’ve been traveling a lot, that’s still a long time for one roll to have been operating – and to be only about 50% reduced.

It’s not that I’m particularly neat. It’s that I see no reason to use paper towels when I have plenty of rags.

Sure, paper towels are convenient. But they’re expensive, too. Why use and toss wads of paper when I can use a piece of cloth, launder it and use it again? And if you’re just draining salad greens or wiping up spilled water, you don’t even need to wash the cloth – just hang it up to dry.

Call that eco-friendly if you like. I prefer to think of it as common sense.

 

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Blog roundup: Deep-water exercise edition

Finally, finally I listened to the advice of two different masseuses who suggested that a deep-water exercise class would help me. Today was the third time I strapped on a buoyancy belt and stepped into 10 feet of water at the Helene Madison Pool in North Seattle.

I know it will make me stronger. Right now? It makes me tired. But not too tired to do some reading and share the results with you.

I am blessed at I Pick Up Pennies (sniffle…that’s my girl!)

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