Monday, March 27, 2017

Peppermint Bath Melts - DIY with Essential Oils

A while back I was looking at Natural Health Blogger and came across directions for making Peppermint Bath Melts.

The site says that, in addition to being both invigorating and energizing, "Peppermint contains Vitamin A that helps reduce excessive skin oiliness and strengthen skin tissue. Peppermint oil also acts as an astringent, making it very useful in treatment of rashes and pimples." They can be used in a bath (one or two per use) for a cooling aroma.

There are only three ingredients that are used to make these bath melts: cocoa butter, peppermint essential oil, and avocado oil.

I thought I had cocoa butter on hand, but it was shea butter. So, I substituted that ingredient. Had plenty of peppermint essential oil, but had to purchase avocado oil. It's kind of an expensive oil to use - especially since such a minimum amount is needed.

Had I read the original directions on Natural Health Blogger, I would have saw that sweet almond oil also can be used. The avocado oil will give the soap a green tinge whereas the sweet almond oil will not.

For one bath, I used two bath melts. These were not filled-to-the-top-of-the-ice-cube-tray bath melts- so maybe the equivalent of 1 1/2 bath belts.

At any rate, use some caution as you get in and out of the tub; and make sure to thoroughly wipe down the tub after using it. The combination of the shea butter and avocado oil make for a very slippery combination.

The bathroom smelled very nice when the bath melts were melting in the hot water. I didn't notice if it left my skin smelling like peppermint.

Since I use essential oils regularly, I don't know if I smell like peppermint or not. It's usually others who will comment about "something smells so good" or "are you wearing essential oils today" and then I know that the oils have, indeed, left their scent on my skin.


¼ cup cocoa butter (I used shea butter since that's what I had on hand)
10-20 drops peppermint essential oil (I used 20 drops which was very strong when it was in liquid form)
2 tablespoons avocado oil or sweet almond oil
Mold (e.g., small candy mold, ice cube tray)


Melt the cocoa butter in a microwave or double boiler. (Note: This took only about a minute. I melted it in 20-second increments.)

Once melted, allow the mixture to cool slightly before stirring in 2 tablespoons of avocado or sweet almond oil. Add 10-20 drops of peppermint essential oil.

Pour the mixture into the mold (I used an ice cube tray); and carefully place it in the freezer.

Remove the mold after 15-20 minutes at which time the bath melts should be solidified. Pop them out of the mold.

Note: Use the Peppermint Bath Melts as soon as possible or store them in the refrigerator.

Happy Homemaker Monday - March 27, 2017

The weather.....alternates between raining and being overcast. We haven't had rain for some time so it's good for the trees and grass. Perhaps it will make things more green and Spring-like.
Right now I am....planning the A to Z challenge that begins on April 1st.

I'm going to be going through my homeschool files and getting rid of papers that I no longer need or want; and then either doing projects or writing things about each of the letters. It's a way to use the files rather than letting them just take up space in my (home) office.

Thinking....about the fun time I had this weekend. Sophia and I went to an expo that featured local businesses on Saturday. There were tons of freebies, drawings, and free food sampling from Famous Dave's (a barbecue place). We're hoping that we win one of the drawings we signed up for at the expo.

On Sunday, we saw Beauty and the Beast at a movie theater that has reclining chairs. We have seats that we like to be in (there is no one directly in front of us because of an aisle; and we're in the center middle part of the theater) and had to search through all the different movie times to find the seats that we could reserve.

This is the only movie theater near us that takes reservations. It's the only way that you're guaranteed a seat for movies. At any rate, the only time available that had "our" seats: 9:15 a.m.! We've never gone to a movie in the morning, so that was a first for us.

The movie was very well done. The costumes were elaborate and beautiful; and the sets and special effects impressive.

One of the costumes from the movie.

There were some parts of the movie that I didn't expect - like the scene where Belle takes the Beast back to her childhood home in Paris. She wanted to know what happened to her mother.

The Beast discovered a metal mask that doctors wore in the 16th and 17th century when the bubonic plague broke out. Belle's mother had the plague; and implored her husband to take Belle and escape so she wouldn't be affected by the plague. Her father confirmed this when they returned to the French village where they lived. I knew about the bubonic plague, but for some reason didn't make the connection to France.

still moving along in Animal Dialogues. Got many new books from the library to read over the upcoming couple of weeks.

On my TV.....didn't watch anything from Thursday night to now. Probably won't put on the t.v. until Tuesday night for a few shows I enjoy watching.

Favorite blog post last week (mine or other)....we have been using the Handbook of Nature Study for many years now as part of our homeschooling. One of the sections in the book is about zoo animals.

On March 16, 2017, we went with our 4-H club
on a behind-the-scenes tour and got to see the bears' kitchen.
The buckets are the food for the three grizzly bears.
They had a lot of good-looking produce -
including lettuce and carrots.

In March 2009, Sophia and Olivia were able to
see a sea otter up close.

In addition to sharing some facts about ten animals featured in the book in the post, I went back and looked at photos over the past ten years that I took of my daughters and I at zoos and sanctuaries with animals; and/or animals in the wild. It brought back many good memories.

Something fun to share....I was looking through my Pinterest boards and came across one I had started about hope chests.

These were something that seemed to be talked about more when my parents were growing up, although I do recall wooden hope chests being advertised when I was a teenager. The advertisements encouraged parents to purchase one for their daughters and start putting things in them to give to them either when they married or went off to college.

There are ideas on the Pinterest board for creating items for one's daughter: recipe box with favorite family recipes, kitchen towels, washcloths, and other practical items that can be used when she is starting a new life - either at college or in a relationship.

One of the crafts I like is for a tea towel that is at Lil' Luna.

Perhaps this Spring or Summer I can get started in making some items for Sophia and Olivia.

Blog hopping (newly discovered blog)....I'm wanting to learn how to make soap with lye and came across Sun Drop and Roses which shows a variety of different soap and bath bombs that she has made.

On the menu for this week....some of these meals may be leftovers instead if there's extra food that we need to finish first.

Sunday (yesterday) - Spiced Pork with Sweet Red Onions and Black Beans (Blue Apron meal). The picture below is from Blue Apron because their presentation is so nice.

The dinner was amazing! So much flavor; and the quality of the food was exceptional. This meal came to us thanks to Marci at Stone Cottage Adventures who gifted us with two meals (the other one we had last Friday).
Monday - Sloppy Joes
Tuesday - Taco Pockets
Wednesday - Teriyaki Chicken Casserole
Thursday - Barley Soup
Friday - Savory Southwest Couscous Salad
Saturday - Pork Roast with Potatoes and Gravy
Sunday - Grilled Cheese Sandwiches

On my to do addition to homeschooling:

Monday - Sophia and I do our second volunteering one-on-one session with cats at the humane society where she plays the harp.

I'm assigned to spend time with El - a 12-year cat.

Olivia has her weekly gymnastics lesson later that afternoon. She's making very good progress between doing that and a private lesson each week. Her coach's goal is to move her as quickly through the beginner and intermediate levels so she can be in the advanced level and be with girls closer to her age and eventual skill level.

Tuesday - Homeschool co-op for both the girls and harp lessons (Sophia). Bring taxes in if I didn't do so on Monday.

Wednesday - Sophia and I go to a thrift store to meet with a fashion consultant. We filled out a rather comprehensive online form that describes our style and size; and then linked to our Pinterest boards that visually shows what type of clothes we like. She will pull clothes and accessories that fit what we are looking for which will save us time.

In the late afternoon, go to Fare for All to get food that is sold at a greatly-reduced rate. The program is open to anyone who wants to stretch their budget.

Thursday - Take Sophia and Olivia to the Wildlife Project Bowl practice. Only one more practice and then we're headed to the state competition. I may take a mixed media necklace class at a bead store and ask if they can teach me how to make earrings as well.

Friday - Olivia has speech therapy and a private gymnastics lesson. If the weather is nice, have a backyard picket and finish sealing cracks in the concrete foundation/basement walls and steps.

Saturday - Do some crafting for the county fair. Start a thorough spring cleaning of the house.

Sunday - Pick up any litter along our property and across the street from us that's in the ditch.

In the craft basket....I quilted the Christmas table runner which was both fun and challenging. It's a random pattern that I created as I went along. It's nothing fancy...yet it does its job of holding the top, batting, and backing in place.

I purchased the flannel backing for the northwoods quilt and have it washed and ironed.

Looking forward to this week....decorating for Easter on Sunday.

Looking around the house....I'm happy that we're continuing to get rid of things that we no longer want or need. It will make Spring cleaning easier.

From the camera....went to a new county park on Sunday that I didn't even know existed. It was a bit chilly out - 37 degrees - so I didn't stay long.

However, I want to return when the leaves are on the tree so I can see what the trails and pond look like.

There were a couple geese that were on the pond and then took off; and several beaver lodges. Might be interesting to see what type of wildlife lives there in a month or so.

Also linked to:

Sunday, March 26, 2017

Zoo Animals - Outdoor Nature Hour

In the Handbook of Nature Study, there are two pages dedicated to Animals of Zoos and Parks. There are ten animals featured that were photographed by the New York Zoological Society. Of these, several are ones that we have been able to see at the Minnesota Zoo and Como Zoo in Minnesota as well as other zoos and locations during the past ten years.

Bactrian or Two-Humped Camel
=> This wild animal has been domesticated, and is used in northern Africa and western Asia for carrying loads and people.
=> It can go without water for several days because certain portions of its stomach serve as water reservoirs.

Bactrian Camels at the Minnesota Zoo.
March 16, 2017.

Two camels on the Marco Polo Trail at the 
Roger Williams Zoo.
September 6, 2011

The girls on a camel ride
Olivia and Sophia on a camel ride.
August 5, 2007

Malay Tiger
=> The tiger lives throughout most of Asia from southern Siberia south to Java and Sumatra.
=> The male, much larger than the female, may reach a length of ten feet including the tail.

Siberian tiger at the Como Zoo.
Taken on June 20, 2011.

Olivia's Hand Compared to Siberian Tiger Paw
Olivia's hand compared to a Siberian tiger's paw print.
Taken on June 3, 2009.

Nubian Giraffe 
=> They can reach a height of 20 feet.
=> Although it reminds people of a horse, it is more like a cow in that it chews a cud.

She Just Bent Down to Eat
The giraffe had bent down to eat some grass so
her front legs are in a wider position than her back legs.
Taken on September 6, 2011.

Sophia and Giraffe
Sophia had the chance to feed the giraffe several times 
which she thought was really fun. 
 Learned that giraffes eat 23 hours out of the day and 
they sleep 1 hour. 
 They sleep in 5 minute increments (for a total of 1 hour).
Taken on June 3, 2009.

Olivia Feeding Giraffe
Olivia giving the giraffe a snack. 
We were surprised at the color of a giraffe's tongue.
Taken on June 3, 2009.

Girls on Giraffe Statues
Sophia and Olivia on giraffe statues at Como Zoo.
Taken on October 17, 2007.

Olivia on Giraffe
Olivia on a sculpture of a giraffe at the Minnesota State Fair.
It was carved from a tree that had died.
Taken on August 30, 2007.

The Girls Ready to Go Out Trick or Treating
Olivia dressed as a giraffe and Sophia as pioneer
on Halloween.
Taken on October 31, 2008.

Polar Bear
=> Found in Arctic regions either swimming about in the water or roaming on ice floes.
=> Can weigh as much as 1,500 pounds and reach a length of nine feet.

Polar Bear Laying Down with Head Up
This polar bear was watching us for the longest time.
Taken on September 4, 2008.

One of the Polar Bears
This is one of two polar bears relaxing in his new enclosure
at the Como Zoo.
Taken on June 20, 2011.

Polar Bear Outside
The polar bear was walking outside.
The paws were so huge!
Taken on June 20, 2011.

=> They are members of the horse family.
=>  They are white animals with black stripes.

Zebra - Front and Back
The tail almost looks braided on the zebra.
It was still warm enough for the zebras to be outside in October.
During the winter they have to stay inside since
winter in Minnesota is too cold for them to be outdoors.
Taken on October 17, 2007.

Others were animals mentioned in the Handbook for Nature Study that we were not able to see at Como Zoo, but enjoyed learning about. Some are ones, though, that we have seen on other visits to wildlife sanctuaries and/or in the wild:

Wapiti American Elk
=> Actually moose should be named "elk" for they are a true elk.
=> The wapati lives in the western part of the United States and Canada.
=> It is chestnut red in the summer and grayish in the winter.

We saw these elk at the wildlife sanctuary in 
Oak Leaf Park in Glencoe, Minnesota.
Taken on June 8, 2012.

=> The word rhinoceros comes from two green words which mean "nose" and "horn."
=> They live in tropical portions of Asia and Africa.

=> This animal that has four toes, feeds mainly on aquatic plans and grass.
=> It lives in the rivers of Africa.
=> Its name comes from two Greek words meaning "river" and "horse."

=> This animal has powerful hind legs for jumping and short forelegs.
=> The immature young are carried in a pouch.

Ann and Kangaroos
I was able to feed and be up close with a 
bunch of kangaroos in Australia in 1996.
That one on my left side (or the right side of the picture)
was determined to get food from me. 
Had a couple of rather long nail scratches on my upper arm
thanks to that kangaroo.

Virginia or White-Tailed Deer
=> Only the males possess antlers which are solid bone and shed each spring.
=> Their food consists of buds, leaves, tender bark, and various other forms of plant life.

Deer at Feeder
We saw this white-tailed deer near a bird feeder at
Gooseberry Falls (north of Duluth, Minnesota).
Taken on February 26, 2014.

Deer Running
This is a deer we saw running down the road in Ely, Minnesota. 
The entire underside of its tail is white.
Taken on February 24, 2014.

Deer Track
This is a deer track that we spotted in the cornfield.
Taken on March 11, 2012.

Deer in Two Harbors
This was a small deer herd that was not far from us in Two Harbors, Minnesota. 
My father and mother accompanied Sophia, Olivia, and me to 
Grand Marais for a not-back-to-school trip.
We were able to get very close to them which was exciting.
Taken on September 7, 2010.

Deer at Camp Lakamaga
This is a white-tailed deer that we saw at Camp Lakamaga.
Taken on June 30, 2007.

As we looked back on this nature study, we realized that zoo animals - as well as wild animals that are commonly seen here in Minnesota but that others may consider to be zoo animals - have been a strong interest of ours for many years.

It was fun to be able to look back on pictures taken over the past ten years (or 21 years in the case of the kangaroo picture) and see the variety of places we have been able to see animals like these, and the opportunities we have had to interact with some of them.

Saturday, March 25, 2017

Saving Money and Being Frugal - Week in Review - March 25, 2017

Here's what the week from March 18th-24th looked like:

Progress on Financial Goals I Set for this Week

Last week, I set six goals to work on. This is how I did:

- Bring taxes to the accountant. I've made progress on them. Only three parts left to do - the most difficult ones for me - two businesses and homeschooling because of the volume of receipts and statements I need to condense and total. All other parts are organized and totaled which is a huge relief.

- Take Sophia and Olivia to the local bank so they can deposit money into an emergency fund account that they will each establish. Sophia did this on Saturday, March 18th and Olivia did this on Thursday, March 22nd.

- Help Sophia set up an appointment with a financial advisor to help her set up her first mutual fund/Roth IRA. Talked with a financial advisor earlier in the week about different plans and which one would fit what Sophia is looking for in the long-term. When I bring the taxes into the accountant, we will meet with the financial advisor (they share office space).

- Make a deposit into two Roth IRAs. Did not do this.

- Help Sophia and Olivia set up binders to hold their statements for different accounts (e.g., savings, checking, CD, emergency fund, retirement, college, life insurance). Sophia created her binder on March 21st. Olivia has all the components for creating the binder (e.g., binder, section dividers, page protectors). It's just a matter of putting things in the proper order in the binder now.

- Finish setting up my binder to hold statements for different financial accounts and policies. Did not do this.

Progress on Blog Goals I Set for this Week

Last week,  I set the following blogging goals to work on  as they relate to saving money and home organization:

- Write a blog post about "Paying for College Without Going Broke." I read the book, and wrote a blog post about what I wanted to remember.

- Continue to work streamlining and organizing our home by doing Weeks 11-13 of the 52 Weeks to an Organized Home. Finished doing Week 4 (which I had been postponing until a more appropriate time to do the challenge), Week 11 and Week 12. Did not have a chance yet to work on Week 13.

- Write an update about 40 Bags in 40 Days about Days  16-22. Did not do this.

- Make homemade Peppermint Bath Melts. Purchased all the supplies to make these, but have not made them yet.

Smart and Not-So-Smart Purchases

A not-so-smart purchase was a generic version of a peroxide cleaner for contact lenses. Even though the ingredients appeared to be the same, the solution ended up affecting the lenses in that two of them ripped.

That was an expensive lesson. We are buying the brand name version of the peroxide cleaner from now on.

Also, one of our new dogs, Danny, snuck a pork chop bone (about 1" long and 1/4" wide) from the garbage and ate it in a matter of seconds.

Since he is small (about 20 pounds), this size bone can pose a challenge. So, we had to take him to an emergency vet who immediately, upon our arrival, took his vitals and did x-rays.

They found that he had four bones in his stomach - three smaller pieces and one larger piece.

The four bones can be seen in Danny's stomach.
They are on the right side of the photo
about in the middle of the x-ray.

The two options were to:
(1) feed him small meals for a few days and hope that the food binds with the pieces of bone and, as they move through the intestines, provides a cushion or barrier between the sharp edges of the bone and the intestinal walls. OR
(2) do surgery which costs about $1,500.

I chose the former...and the vet said she would as well.

Since we paid for the x-rays, I thought it would be good to take photographs of them since we rarely get to see the inside of a dog.

It was a good science lesson for Sophia today.

Frugal Meals

- Ate leftovers was a good way to stretch the food budget and use up what was on hand.

- Friday night's meal was from Blue Apron that we were gifted from another blogger. Another meal will be on Saturday night.

The ingredients to make two dinners - enough for 8+ meals.

That saved us almost $70 in delicious food this week!

What was on the table for dinner last week:

Saturday - Leftover spaghetti or fresh-baked cinnamon rolls with apple slices. (Sophia and Olivia picked the rolls since they were hot out of the oven.)

Sunday  - BBQ beef and pork on homemade parker house rolls. The BBQ beef and pork was a crockpot dinner I made last month and had a lot leftover. Just needed to reheat it for an easy dinner.

Monday -  Turkey meatballs and green peas. This was a memorable meal. One of the meatballs had a penny in it....and I didn't put it there. It looks like it went through a grinding machine at the processing factory or wherever they make ground turkey.

Sophia cut open the meatball and was surprised to find the coin.

It was really sharp and had jagged edges. She ended up cutting her finger on it.

I'm surprised I didn't come across it when I was mixing all the ingredients together or making the meatballs.

Needless to say, we are all a bit hesitant now to eat ground turkey (or any ground product).

Notified Jennie-o (the company that produced the turkey) to let them know that there was a penny in the ground turkey since there are obviously missing pieces to it and probably in someone else's turkey.

Their response was a mixture of apathy towards what happened to Sophia and defensiveness that it was impossible that the coin was in their turkey because of the size of their screens that filter out items. You would think a company would be concerned and want to make sure no one was hurt eating their products.

Well...neeedless to say, after their response we will not be eating ground turkey produced by their company.

Tuesday - Pork chops with dressing.

Wednesday - Pork roast and mashed potatoes with gravy.

Thursday - Leftovers.
Friday - Za'atar Spiced Chicken with Bulgur from Blue Apron.

This was super good and the portions were overly generous. The recipe says it makes four servings. However, there were probably eight meals that could have been made from the one recipe. Of course, some of the family members ate what we consider a normal dinner portion plus...because it was so delicious...they had second helpings.

We all agreed that continuing with Blue Apron would be a good idea. Not every week (because we need to be mindful of our spending), but perhaps once or twice a month.

What stands out about the meal, too, is that almost every ingredient was used. With the exception of garlic cloves (which will be used for the other meal that Blue Apron sent), there were no ingredients leftover. So, no food waste.

This is a big deal for us because we enjoy trying new recipes and will buy the ingredients. Often times, there are leftover ingredients that aren't used and that we don't have an immediate purpose for (e.g., fresh cilantro, inner part of lemon if only the zest is used, broth). Sometimes, these are then wasted which is frustrating. I liked not seeing that waste with Blue Apron.

My financial goals for this week:

- Bring taxes to the accountant. There is no more flexibility on this goal since after April 1st there is a 10% surcharge for tax preparation. I don't want to incur that fee.

- Help Sophia and Oliva set up their first mutual funds/Roth IRAs after meeting with a financial advisor.

- Go to a Fashion Consultant at the Thrift Store for New-to-Us Clothes. There's a free service where a fashion consultant helps clients at the thrift store find clothes that match their style.

There's a comprehensive profile form that you fill out ahead of time and provide the link to your  Pinterest board that shows examples of the types of clothes you wear. She will pull clothing in your size and style that she thinks you will like. My oldest daughter and I are doing that this week.

- Go to Fare for All. This is a great way to stretch one's budget. They buy food and/or are given food by grocery stores that are put into food packages and/or sold individually.

The produce pack has a nice variety of fruits and vegetables; the meat pack has about a half dozen types of meats; and the mega meat pack has about a dozen types of meat products. There also are special buys and free bread products.

My parents introduced me to Fare for All, and I've gone to monthly buying events whenever I am able to do so.

- Make a deposit into two Roth IRAs.

- Help Olivia finish setting up her binder to hold her statement for different accounts (e.g., savings, checking, CD, emergency fund, retirement, college, life insurance).

- Finish setting up my binder to hold statements for different financial accounts and policies.

Blog as it relates to saving money and home organization:

- Continue to work streamlining and organizing our home by doing Week 13 of the 52 Weeks to an Organized Home. The schedule for the year is posted on the link. It's been a very helpful guide to setting up the year and weekly goals.

- Write an update about 40 Bags in 40 Days about Days  16-22 and 23-29.

- Make homemade Peppermint Bath Melts.

- Make natural Vapor Rub using essential oils.

- Make an  upcycled bag holder for plastic bags.

*Part of Financially Savvy Saturdays on brokeGIRLrich.*

Friday, March 24, 2017

Book Review: Paying for College without Going Broke

With 14 and 16 year old daughters, the reality that college is closer than preschool is setting in. How quickly time - and their childhood - has gone by. I have been truly blessed by being able to homeschool them and spend so much of their childhood with them.

Now, it's time to start preparing for their next stage in life: college. I came across a book at the library called Paying for College without Going Broke by Kalman A. Chany and Geoff Martz. It's from The Princeton Review.

There were a lot of helpful suggestions in the book; and I'm happy I read it. I wish I would have read it when they were much younger, though so I could have had a much better college-savings plan in place for both of them.

At any rate, these were some of the things I found most useful for our situation:

What parents can do:

- During the years you are saving for college you should not neglect your other goals, particularly in two important areas: owning your own home...and planning for your retirement.
- While the colleges assess your assets and income, they generally don't assess retirement provisions such as IRAs, 401(k) plans, Keoghs, tax-deferred annuities, etc. Any money you have managed to contribute to a retirement provision will be off-limits to the FAO's at most schools.
- If you have any interest in running a business on the side, this may be the ideal moment to start setting it up. Most businesses show losses during their first few years of operation.
- Colleges now use the tax year two years before college begins (from January 1 of the student's sophomore year of high school to December 31 of the student's junior year in high school) as their basis for deciding what you can afford to pay during freshman year and for the remaining years as well. Thus it would be helpful to remove as much income as possible from this calendar year. (Note: this is the year that we currently are in.)
- During the base year, you may want to pay down your credit card balances...and make the maximum contributions possible to a retirement provision.

- Contact the Minnesota Higher Education Services Office at to get information about state financial aid and any information about affording and paying for a college education. There's a helpful page on the website about paying for college.
- Create a form to track deadlines. The column headlines should be:
====>Admissions deadline
====>Which standardized need analysis forms (FAFSA, PROFILE) are required? When are they due at the processor?
====>Is there an individual aid form required? If so, when?
====>Are income tax returns required? When? What year(s)?
====>Any other forms required? (Business/farm supplement). When are they due?
====>Name of contact FAO at college and phone number.

What students can do:
- Study like crazy. Because colleges give preferential packaging to good students, every tenth of a point she adds to her grade point average may save her thousands of dollars in loans she won't have to pay back later.
- Coaching can raise a student's SAT score by over 100 points. Every ten points your child raises her score may save your family thousands of dollars.
- Use The Princeton Review's 11 Practice Tests for the SAT and PSAT if a SAT review course isn't in your area or is too expensive.

- Earn credits on the CLEP exams.

Filling out the FAFSA form:
- Use the most up-to-date version of the form. Don't fill out last year's form. Fill out the form for the year that you want to receive aid.
- Know your deadlines. Make sure you find out the financial aid deadlines for the college(s) that your child wants to attend.

*Part of Financially Savvy Saturdays on brokeGIRLrich and Femme Frugality*