Saving Money

By Susan Seliger

Does this happen to you? Once you start dreaming about exotic places you’d love to escape to – natural wonders of the world where there are no malls or tinsel or shopping lists – you just can’t stop. There are so many things you haven’t done yet in life — like a safari on the Serengeti in Tanzania or swimming with the sea lions in the Galapagos or a trek to the Amazon and Machu Picchu – just puckering up to say Machu Picchu puts me in an adventurous state of mind.

Well, stop dreaming – Natural Habitat Adventures has come to the rescue. This eco-conscious company is offering, not one but FIVE,  big vacations for two – one every year for five years – to the most exciting natural destinations in the world. Beyond those mentioned in my dreams, they’ve also got trips to walk with the penguins in Antarctica and the Falklands as well as a trip to Manitoba to schmooze with the polar bears.

I’ve entered – and so can you – every day up until the deadline, Feb. 28, 2009. Hope to see you there – if not, give the sea lions a smooch for me. Start clicking.

Photo credit: Llama in Macchu Picchuu: from Nurse healthwriter blog

By Susan Seliger

Looking for a way to save money on gifts — who isn’t? Give the best gift of all – and it won’t cost you a penny. Volunteer to help a green charity of your choice. And you can do it right from your home computer.

“Virtual volunteering” is on the rise. And a wide range of groups need your help. You can pitch in with groups devoted to the environment, human rights, disaster relief, animal protection, and more. As a virtual volunteer, you provide skills these organizations need, such as contacting donors or writing letters or grant proposals or other materials they need to publish or post on the Web.

Good Green Charities

To find great environmental charities, go to The Charity Navigator web site, a great guide to intelligent giving, and they will provide you with a list of the best charities in all kinds of categories. You can even break it down by location, if you’d rather volunteer the old-fashioned way – in person.

· Click here for a list of the Top 100 four-star-rated environmental charities recommended by the Charity Navigator:

· Sierra Club, devoted to preserving the environment for the next generation:. Their motto says it all: “Explore, enjoy and protect the planet”: http://www.sierraclub.org/

· The Nature Conservancy, which has protected more than 119 million acres of land and 5,000 miles of rivers — and operates more than 100 marine conservation projects globally.: http://www.nature.org/

Good Charities

Here are some others to consider that were listed by Bottom Line newsletters as willing to engage virtual volunteers. If your favorite charity is not among them, contact them and propose helping out virtually – and start a new trend.

· Network for Good, founded by America Online, Cisco Systems and Yahoo (866-650-4636, www.networkforgood.org).

· Points of Light Institute, a Washington, DC-based organization that recently merged with a similar group, the Hands On Network (202-729-8000, www.pointsoflight.org).

· Taproot Foundation, which puts together teams of working people who want to help charitable groups (415-359-1423, www.taprootfoundation.org).

· ServiceLeader.org at the University of Texas at Austin (512-232-7062, www.serviceleader.org).

· VolunteerMatch, my organization, with volunteer opportunities from more than 55,000 nonprofit organizations (415-241-6868, www.volunteermatch.org).

· UN Volunteers, an arm of the United Nations that can be contacted by E-mail at information@unvolunteers.org and by phone in Germany at 49-228-815-2000. Its Web sites are www.onlinevolunteering.org and www.unvolunteers.org.

· Wisconsin and Minnesota-based Nibakure Children’s Village (612-578-6560, www.nibakure.org) recently needed three volunteers to work online two hours a week on fund-raising for an orphanage in Rwanda.

· Family-to-Family (914-478-0756, www.family-to-family.org), an organization that helps feed families in needy communities nationwide.

(Illustration credit: Sierra Club)

By Susan Seliger

They’re oh so cute – those Mini Coops and fuel-efficient, too. They make you want to tie a ribbon on one and drive it right over the river and through the woods to grandmother’s house you go for the holidays. Well, maybe you can – for free.

Champignon Minis is giving away one Mini Cooper, valued at over $18,000, just in time for the holidays. It won’t take a miracle — just a click. So see if you can get lucky before the deadline: 12-31-08.

(Photo credit: The Horse’s Mouth )

By Susan Seliger

1. Buy a live tree – the smell beats plastic — and plant it in your backyard come the New Year. If you’ve given up your car in pursuit of the greener life, you clever soul, here’s a good list of sources for live trees online, delivered to your door.

2. Decorate with solar powered LED Christmas lights – They save power and money and are a step beyond plain old LED lights, which are a step beyond the traditional strings. They can range from $20-60, but here’s a source for $19.99 from Solar Illuminations.

3. Use one present to wrap another present — like a napkin or tea towel or scarf around a ceramic mug or box of organic dark chocolate.

4. Choose 100% recycled wrapping paper – or a decorative bag that you close only with a ribbon so the recipient can then easily recycle the bag for their gift to someone else.

5. Unwrap presents SLOWLY – it helps to savor the delicious moment of anticipation AND you can carefully fold the pretty paper and use it again next year.

6. Buy gifts that use no batteries or rechargeable batteries.

7. If you must go the mall, carpool with friends and family – make it into a little party as you travel there and back.

8. Stock the house and the refrigerator with food that is local and organic – it’s fresher and healthier.

9. Tired of STUFF? Give food and local/organic wine as presents. Who doesn’t like home-baked cookies?! No time for that? A bottle of wine from a local vineyard is always welcome. A good olive oil comes in handy, too – and the mono-unsaturated fatty acids are great for health-conscious friends. Whatever the yummy food, if the label says organic and local, it’ll show you really care.

10. Save money decorating the house with holiday cards – hang a string from one corner to another and hang all the beautiful cards you’ve received from the line – like a laundry line. It’s colorful and festive and a reminder of what the season is really about – nurturing ties to friends and family.

(Photo credit:

By Susan Seliger

What better holiday present for yourself – or a friend you like to drive around with – than a cute, fuel-efficient, smart fortwo car? (This gift will be appreciated by four-legged friends as well. ) Even better — you may be able to get it free. You could be one of the 12 lucky winners in the QVC 12 Days of Christmas Sweepstakes who will drive one away.

And if you don’t win the green car, you still have over 1000 chances to win another form of green — free shopper dollars worth anywhere from $50 to $250. The deadline is 12-12-08.

(Photo credit: Smart Car Blog)

By Susan Seliger

This eco-friendly cruise couldn’t come at a better time. The recent cold snap along with the chilly, lonely feeling I get when I look at my retirement savings (what retirement savings?!) has put me in the mood for a trip to a sunny place. Though in this economy, I probably wouldn’t turn down a free, seven-day cruise even in the summer.

In addition to an eco-friendly cruise ship, and vegetarian feasts on board, you’ll also be treated to daily spa treatments along with yoga and meditation classes. The perfect antidote to financial angst. Dust off your mantra — I’m thinking of trading in my current one: It’s only money for an updated version: Yes, you Om.

But hurry up—not much time. The deadline is nigh. The sponsors of this cruise contest – Yoga Journal and Earth® Footwear – are giving you until 11-30-08 to try your luck. Go on — click – you don’t even have to buy a lottery ticket.

There’s nothing that warms the cockles of my heart more (and if you can locate those, I hope you’ll keep the info to yourself) than combining the two things I love best — hanging out with friends and saving money. So here’s a tip for you to go green and save some, too: Invite friends over and turn down your thermostat.

Just let everybody’s body heat ramp up the room temperature. According to one estimate I read, in an enclosed room (not Gauguin’s porch above), each human being’s sweet 98.6 degree F. body generates heat equivalent to a 175-watt heater. SO imagine what 10 friends can do! Things could get downright steamy.

OK– but what about the money side of entertaining? Friends don’t let friends starve, right. So it can cost more than you’ve saved in heat to wine and dine your buddies. Problem solved. Declare the party an eco-friendly pot luck. Ask each guest to bring one dish of food, so you ALL can save.

And instead of lots of wine and beer and an open bar, make one huge batch of punch — going easy on the alcohol, not because you’re chintzy — OK, maybe a little — but really because you care about your friends’ health. It’s lots cheaper and oh so fun. For the non-alcoholic fare, forget bottled water and soft drinks — way too pricey. Whip up a batch of lemonade. If you need the exercise, start squeezing lemons. But if you want to save even more money and time, just spring for a big can of powdered lemonade (you’d be surprised at how authentic it tastes. Slice up a real lemon and add it to the pitcher for a little tang and a natural touch.

Cheers! Here’s to good friends, good fun and green savings.

And send me your favorite tips for saving money and going green.

– For some more short tips on going green and saving money, check out this post from The Frugalist

Can’t get much greener than running – though driving a hybrid to your destination is a close second (or third or fourth) – but definitely faster. Now you don’t even have to run to win – just pick the top three pros you think will win the NYC Marathon this Sunday – November 2, 2008 – and you can drive one of the greenest cars on the road. But hurry – you have to make your picks by Nov. 1, 2008. Run to the computer and get those fingers moving — that’s a first step. Hey, we all have to start somewhere.

By Susan Seliger

Lower your carbon footprint in style. Bikes are nice – and green machines are keen. But hey – a free car – who can quibble with that? Especially if it’s a spiffy, fuel-efficient 2009 Honda Civic Hybrid worth over $24,000. That’s what Charter Cable TV is offering – no purchase necessary. You have until the end of October to see if you’re the lucky one. So forget the stock market and start clicking.

By Susan Seliger

OK, turning your computer on may take a minute longer than just tapping the mouse each time you sit down at your desk. (And the cat may have to find another warm place to loll about. ) But ask yourself this: if somebody offered you $75 just to add two mouse clicks to your daily routine (click Start; click Turn Off Computer, done) wouldn’t you take it?

Throw in the fact that you’ll also be reducing carbon emissions and letting your computer catch up on its beauty sleep, and it becomes a no-brainer green move. Save even more if you turn the entire power strip off that feeds the printer, your phone and ipod charger, desk lamp all the other appliances that suck energy just be being plugged in.

Need more incentive? Use that minute of warm-up time to stand up at your desk, and do a few body stretches (reach your hands up to the ceiling) and neck turns (shake your head gently Yes and then No) to keep from getting so stiff once you do sit down. That’ll save you another $75-$125 in chiropractic fees.

And that’s just for one household with one computer — imagine if you’re a small business with 100 computers — that’s $7,500 in savings. I bet you can think of a few things you’d like to do with that chunk of change.

Photo credit: www.lacyloos.com/about/cats.php