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Green Purse Alerts!

Why My Purse is Green

Because I believe…

  • the fastest, most effective way to stop polluters is by pressuring them in the marketplace
  • women can be the world’s most powerful economic and environmental force if we intentionally shift our spending to the best green products and services
  • women have the power right now to solve many of our most serious environmental problems by using our green purses to make a difference
  • women must act – intentionally, collectively, and with the full force of our purse power behind us – if we hope to leave our children and grandchildren a better world.
  • January 06, 2011

    Need Help Getting Inspired for 2011? Learn From These Great Green Role Models.

    Pondering woman What environmental lifestyle shifts are you planning for 2011? If you still haven't been able to make up your mind, take a minute to read about the folks below. In the last couple of weeks in December 2010, they all answered the question, "What's Been Your Biggest, Coolest, Eco-Friendliest Change This Year?" Some people switched to greener cleaning products. Others started their own organic gardens. A few launched their own companies. One person is even building a house from scratch. Hope they give you some great ideas for 2011!

    Saving Energy

    Reader Bonnie installed a programmable thermostat. It cost her $35, but she expects to easily recoup the cost on her heating and cooling bills. StudioJMM of http://profile.typepad.com/studiojmm put solar panels on her roof. Ann started a "no idling" campaign to get buses to turn off their engines when they're waiting to pick up kids at school. Saves energy AND keeps the air cleaner.

    Cleaning woman Green Cleaning

    Hana, aka the Green Granma http://thegreengrandma.blogspot.com/ discovered "the unending merits of vinegar" for greener cleaning. Celine spent a few dollars on cleaning rags she purchased at Goodwill. Lynne at http://greenertoday.blog.ca/ is now making her own green cleaners, plus buying local and kicking the throwaway water bottle habit.

    In the Kitchen

    Continue reading "Need Help Getting Inspired for 2011? Learn From These Great Green Role Models." »

    November 21, 2010

    Buy This Book Before Black Friday

    Generation earn Black Friday - the big shopping day right after Thanksgiving - is building up a big head of steam. But before you give in to advertisers' entreaties to spend, spend, spend, STOP - and read Generation Earn: The Young Professional's Guide to Spending, Investing, and Giving Back, by Kimberly Palmer.

    Palmer, the personal finance columnist for US News & World Report, is an expert when it comes to personal money management. Her magazine column and daily blog, Alpha Consumer, offer short, smart tips to help consumers live on a reasonable budget and avoid wasteful consumption that not only takes a toll on the environment, but racks up big credit card debt.

    Palmer's book encourages saving rather than spending, investing sooner rather than later, and building up enough cash reserves so you can support the causes you believe in as well as buy necessities and enjoy an occasional splurge.

    Thumb_green The book is geared towards 20-somethings, but it will benefit anyone who wants to manage money smartly and with an eye towards the future and retirement. I particularly like the chapter on "Green Spending " (full disclosure: the author interviewed me for this chapter), which encourages readers to forgo shopping sprees even if they are "environmentally friendly" and to avoid "greenwashing" by buying products that are certified sustainable. Thumbs up, Generation Earn!

    For more money-saving strategies, don't miss:

    Top Ten Ways to Afford Going Green

    Top Ten Ways to Beat the High Price of Gas

    Top Ten Organic Food $$$ Busters

    Top Ten Ways to Save Energy and Money at Home

    November 02, 2010

    Energy Tax Credits Expire 12/31 - Act Now to Save $$$ on Efficient Windows, Doors

    Storm_doors_windows Energy-efficient doors and windows save money by keeping cold air out in winter and warm air out in summer. The federal government and many states are encouraging homeowners to replace drafty old windows and doors with new, energy-saving models by offering tax credits that allow you to deduct a percentage of the replacement cost from your taxes.The federal tax credits run out on December 31, 2010; if you want to upgrade, doing so now will save you money.

    How much?

    You can take a 30% tax credit up to a total value of $1,500. In other words, you can spend up to $5,000 on a single or multiple products, for your principal residence that you own and live in, and get 30% or $1,500 (30% of $5,000 = $1,500) back as a tax credit. If you made some of your  purchases in 2009 and some in 2010, you can combine the total, but you can't get more than $1,500 in tax credits on the total purchase. 

    Of course, once you make the investment, the new doors and windows will also reduce your heating and cooling bills. Your local contractor should be able to help you estimate savings depending on what  you buy, the HVAC system you use, and the climate where you live.

    In addition to insulating windows and doors, purchases covered by the 2010 tax credits include:

    Continue reading "Energy Tax Credits Expire 12/31 - Act Now to Save $$$ on Efficient Windows, Doors" »

    July 07, 2010

    The Truth Behind Buying in Bulk

    Grocerycart Is buying in bulk worth it? Really?

    Only if you want to protect the planet and save money...

    Seriously, buying products in bulk is one of the most "eco" ways to shops; it's one of the best ways to save money, too. Why? For starters, larger sizes deliver the same amount of product using less energy and materials than the equivalent number of smaller packages.

    Next time you go shopping, browse the snack aisle and compare the difference for yourself. When you buy one large box of cookies, all you pay for is the cookies and the one box. But if you buy a "snack pack" of ten or twelve small bags, you end up with all those individual bags, plus the display box they came in and the cellophane wrapped around them. That's a lot of excess packaging!

    All that extra wrapping costs you more money. At Peapod, an online grocery store, a 15 oz. box of Famous Amos Chocolate Chip cookies runs around $3.99 or $.27/ounce. The package of 12 snack bags costs $5.79 or $.34/ounce. If you need snacks for yourself or your kids, why not buy reusable containers you can easily refill with cookies from the larger bag? Bonus: The snack containers will do a better job of protecting the snacks from getting crushed in a lunch bag or backpack.

    Wal-Mart claims that a family of four can save as much as $2,000 per year just buying in bulk. When you have the space, choose the largest available sizes of shampoo, laundry detergent, toilet tissue, light bulbs, blanks CDs, pencils and pens...you get the idea.

    Here's how I saved $20 buying bulk cat food. 

    Got any bulk bargains of your own to share? Let us know.

    March 29, 2010

    Plastic Activist Shifts $1114 to Green Goods

    Beth terry Beth Terry is best known for taking a stand against plastic over at her inspired blog Fake Plastic Fish. But living plastic-free is not the only way this Bay Area accountant and activist makes a difference. She's shifted her spending to organic produce and natural products like toothpaste and laundry powder, too. She bought a bicycle instead of a car, and gives gifts like fair trade organic chocolate.

     

    Beth took the One in a Million Challenge last year, as you can see from her balance sheet below. But the spending shifts she's made weren't temporary. They're a way of life that I hope will inspire you to do the same!

     

    Grab

    Total ................................................................. $1114.59 

       

        **NOTE:  "None of this includes cash spent at the Farmer’s Market or elsewhere. These are just credit card expenditures." Wondering how Beth made these shifts and avoided plastic? She bought laundry powder in a recyclable carboard box, rather than liquid laundry detergent in a plastic jug. She uses cotton mesh baggies to collect produce, rather than plastic bags. She also buys milk in a cardboard carton rather than a plastic bottle. (BTW, ACV stands for apple cider vinegar. TJ stands for Trader Joe's, though Beth has recently shifted to Tom's because the aluminum toothpaste tube is recyclable. In the last year, Beth also shifted from detergent powder to Laundry Tree soap nuts.)

     

     

    One_in_a_million Feeling inspired? Please join Beth and the almost 5,000 other consumers who have already taken the One in a Million Challenge! It's easy -- Fill out this balance sheet, keeping track of the shifts you make over time until you have shifted $1,000. Then send us your sheet, along with a picture so we can add your lovely face to our growing wall of One in a Million members. We'll feature you in Big Green Purse, so you can help inspire others - though we hope you'll urge your friends and family to take the challenge, too.

     

    February 01, 2010

    Tax Credits Can Help You Save Money and Shift Green

    energy efficiency tax credits Buying energy-efficient home energy systems, appliances, and cars can save you loads of money by reducing your energy consumption.  But the upfront cost of investing in efficient technologies can make ditching your old energy guzzlers for new energy sippers seem prohibitive. Federal and state tax credits help defray your purchase costs (image source). Here's how: 


    Federal Energy Efficiency Tax Credits

    Home Renovations: You can earn up to 30% in federal tax credits on the first $1,500 you spend on improving the energy efficiency of your home.  These credits apply only to existing home renovations and not to new construction. Remember: a tax credit is better than a deduction because it actually reduces the amount of money you pay tax on at the end of the year.

    Qualifying products include energy-efficient:

    • windows and doors
    • insulation
    • roofs
    • central air conditioners, furnaces, and boilers
    • water heaters
    • biomass stoves (like those that burn wood, wood pellets, dried corn, etc.)

    This credit expires at the end of 2010, so act sometime in the next eleven months to take advantage of this benefit.

    Alternative Energy Substitutions: If you've been thinking of transitioning to a renewable home energy system, you have until the end of 2016 to use tax credits to help defray the expense.  These credits are also being offered at 30% of cost, but with no upper limit (in other words, if you spend $20,000 putting solar panels on your roof, the credits could generate as much as a $6,000 tax credit). Qualifying systems include:

    • geothermal heat pumps
    • solar panels
    • solar water heaters
    • small wind energy systems

    The EnergyStar website offers more details on what systems qualify and which ones don't.


    Federal Hybrid Vehicle Tax Credits

    When I bought my hybrid Prius in 2002 for around $20,000, I received $4,000 in tax credits: $2,000 from the IRS, and $2,000 from my state government. Today, the rules for hybrid vechicle credits are a little more complicated.  Hybrids purchased after December 31, 2005 are eligible for a credit up to $3,400, but that number declines once the car manufacturer sells over 60,000 units of a particular hybrid model.  GM and Chrysler are still offering full credits; Ford is offering reduced credits until the end of March 2010.  The credits are subject to change, so check back frequently.


    State Credits

    Many states have created their own financial incentives for going green.  Check out DSIRE.org for a comprehensive list of what your state can offer you, including tax credits, rebate programs, and much more.

    January 22, 2010

    Eco-Friendly Tips Will Reduce Your Car’s Environmental Impact

    fuel-efficiency, save gas High-tech electric and hybrid vehicles are all the rage right now. But you don't need to shell out big bucks for a new "eco" car if you give your own driving habits an environmental tune-up: 

    Learn how to drive as efficiently as possible.  Take note of these gas-saving tips and driving techniques and you'll visit the pump less often. Plus, you'll save $20-$50 a month on gasoline (photo credit).

    • Carpool and use mass transit as much as possible. When you share the ride, you reduce your costs - and your impact on the air your breathe and the water you drink.
    • Walk, bicycle. Well, these are more "non" driving tips, aren't they? But they do help you guzzle less gas; and manufacturing a bike or a pair of walking shoes uses far less resources than producing a car!

    June 29, 2009

    Environmental In-Box: Bon Ami Cleanser

    “Bon ami” in French means “good friend,” and when it comes to cleaning your kitchen and bathroom, Bon Ami Cleanser is just that.  This non-scratching, earth-friendly product has been available in just about every supermarket and hardware store for decades.  If you've never heard of it, it's time you did.

    Bonami What is it?


    Bon Ami’s Cleanser is made from sodium carbonate, calcium carbonate (limestone), and feldspar.  The mildly abrasive limestone and feldspar cleanse without scratching, while the sodium carbonate conditions hard water. To use, just wet the surface you want to clean, sprinkle on the Bon Ami powder, and wipe with a wet sponge. I use Bon Ami on everything from kitchen countertops to living room walls to the bathtub. You can also use it to shine appliances and clean outdoor furniture.  

    What I like:  Bon Ami contains no chlorine, dye, perfume, bleach, or phosphorus.  Because the product is free of unhealthy additives it is especially appealing to people who suffer from chemical sensitivities.  Not only is the cleanser itself biodegradable, but the packaging consists of more than 75% recycled material, including 60% post-consumer waste. 

    What could be improved? Hmmm. I'm thinking...

    Continue reading "Environmental In-Box: Bon Ami Cleanser" »

    April 17, 2009

    This Earth Day, Save the Planet - and Save $4,000/yr, Too

     Green_pig Living a greener life is one of the fastest, easiest ways to save money. In fact, you can save almost $4,000 every year by taking easy steps to use less energy, reduce waste, and simplify your lifestyle. In honor of Earth Day, I've compiled this list of cost-cutting strategies that benefit your pocketbook as well as the planet.

    Here's how:

    Go Green                                                             Save Money

    Compact Fluorescent Light Bulb ………………            $5 - $10/yr per bulb

    Reusable Water Bottle ……………………………           $ 500/yr on bottled water

    Take Lunch to Work …………………………………      $1560/yr on throwaway lunch stuff

    Programmable Thermostat ………………………           $150/yr on home heating/cooling

    Low Flow Shower Heads, H2O Saving Toilets …           $72/yr on water heating, wasting

    Smart Power Strip ……………………………………..     $94/yr on energy for electronics

    Window and Door Weather Stripping …………            $129/yr on home heating/cooling

    Improve Car Fuel Economy –
            upgrade from 20 mph to 35 mph …………..            $884/yr on gasoline
            drive “smart” ……………………………….               $600/yr

    Skip One Driving Trip Each Week …………                   $225/yr on gasoline

    Energy Star Washing Machine ………………                $50/yr on water heating
          (plus 7,000 gallons H2O)

    Make-at-Home Cleansers …………………                    $300/yr on cleansers

    Total ……………………………           $3,690/yr

    PLUS: Swap, Trade Using Freecycle.org, EBay, Craig’s List - more $$$$$

    For years, naysayers have claimed that "being eco is too expensive." Not any more.

    Want more ideas on how to shift spending to live greener and save money? Check out the One in a Million budget sheet.


    March 20, 2009

    Dig Dirt Like Michelle Obama!

    Michelle obama   Michelle Obama is planting an organic garden at the White House today. If the nation's first lady can dig dirt, can't you? What better way to get fresh, locally grown, organic vegetables and herbs?

    Plus, you can't beat the price. For a couple of dollars in seeds, you can enjoy an entire summer's worth of crops. In fact, gardening can save you hundreds of dollars in food each season you grow your own.



    Top Tips

    1) Plan your garden - Keep in mind that vegetables need full sun. Flowers span the range of full sun to full shade; check the seed packet or plant catalog for guidance. Once you have your location, consider not just how much space you have, but how much time you have. The larger the plot, the more time it will take to manage. Does your spot drain well, or will you need to build a raised bed so that water can easily move through the soil? Does it have access to water? Know what you're getting into before you plant the first seed.

    2) Clear out the weeds - If you're trying to convert a patch of grass or a section of field, you''ll probably need to dig the weeds out, to be sure they're gone. You can also cover the area with a couple of inches of newspaper. Lack of sunlight will kill weeds and grass and make them easier to remove from your garden plot.

    3) Add compost and other organic matter - If you're not impatient like me, you can test the soil first (see these handy tips from Lowe's). When you get the results back, you'll know how much nitrogen, phosphorus and/or potassium you'll need to add. You may also need to add an inch of sharp sand if your soil is clay.

    4) Rake your soil into beds or rows - Leave paths in between so you can walk through your garden without trampling the dirt. Mulch with shredded pine bark or other organic material, then leave the plot alone for about a month before you plant it.

    5) Set up a watering system - If your plot is small, you can probably water by hand with a garden hose. Otherwise, install an inexpensive DIY drip irrigation system so you deliver water directly to plant roots and don't waste it using one of those sprinklers that has such a long spray it sends more water to the sidewalk or driveway than your plants. If your garden is next to a garage or shed, you can set up a rain barrel to catch water coming off the roof.

    6) Meanwhile, start a compost pile - Use leaves, grass clippings, other yard debris, and kitchen waste. Making compost at home like this is probably the single most cost-effective way to turn dull-as-dishwater dirt into rich, black earth.

    Garden2 7) Pick your seeds and plants - Consider plants that grow well in your climate; most likely, those will be 'natives' that have evolved to take best advantage of the temperatures, rainfall, and soil conditions you have. Choose disease-resistant species for vegetables as well as ornamental plants. Buy organically raised seeds and seedlings so you're chemical-free from beginning to end.

    8) Plant, then watch and weed - Plant your seeds and seedlings to maximize growth. Keep a hoe handy to scratch out weeds before they take over. Keep an eye out for insects and diseases so they don't become a problem.

    9) Don't get bugged by bugs - Some gardeners can't stand to see even one little bug on one little leaf in their garden. Hence the continual bombing of their plants with insecticides and herbicides that, by and large, only serve to make the bugs that survive tougher than ever before. Most plants can tolerate a small insect invasion and still produce to abundance. Don't even start gardening if you don't like a few bugs with your plants.

    10) Enjoy your garden! - Stroll through your garden every day. Position a chair, stool or bench close by so you can sit peacefully and watch the butterflies and bees enjoy the fruits of your labor! Then get out a basket and start picking.

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