Although the terms are agreed to upon registration, here they are again, so there aren't any questions. I want all members to be aware of and clearly understand the rules here.

**Introduce yourself here** If you are a beginner or new to the site, here is a good place to start.

This is the chit chat & hangout area. Catch up here.

Sub-Forums: Vacations and Travel, Careers, Charity, community and kindness, Goals and Dreams, The Shed, Camping, RV's, Trailers, Outdoor Living, Find Your Kith, Pals and Swaps, Third Agers

Share frugality here. *Questions about couponing & refunding may be posted here.* money savings topics too.

Sub-Forums: Utilities, Stay at home moms, Discount Stores, Supplemental Income, Small Business, Secondhand Deals

Nothing but tips. Frugal tips, laundry tips, cooking tips, kitchen tips, organization tips, beauty tips, timesaver tips, cleaning tips, and home remedies etc.

Forum to include topics as unemployment, layoffs, extreme financial situations, tough times, assistance resources, repossession, banktruptcy, credit counselling, injury, foreclosure, etc.

This forum is for frugal questions to be answered. Questions are to be frugality related. If you're new to frugality, this is a great place to start to get answers.

Grocery, debt reduction, change jar, pantry, freezer, no spend, emergency fund, organization and frugal challenges.

Ways to reuse common household items. second use, repurpose.

This forum is for readers of my syndicated column. Frugal Living by Sara Noel is available daily by United Media's Newspaper Enterprise Association. Contact the managing editor at your local newspaper and request they publish it, if you'd like to read it.

Discussions on debt reduction, credit cards, consolidation, debt free living, and money. Snowballing debt, paying yourself first, and money management.

Sub-Forums: Success Stories, Your Money or Your Life, Dave Ramsey, Tightwad Gazette, Suze Orman, Frugal Retirement, Mortgages, Credit, Loans, Investments, Insurance, Taxes

This forum is created to post deals found online and offline. Topics may include good deal alerts, freebies, samples, discounts, contests, sweeps, coupons codes and sales. Please keep discussion type posts in the Homepsun Tips forum.

Sub-Forums: Coupon Trading, For Sale or Trade, Town Crier-Shopping Deals-Product Reviews

Looking for craft or hobby ideas? Do you have a project that you want to share? General craft section.

Sub-Forums: Printables, Photography, Drawing, Painting, Scrapbooking & Paper Crafts, Clay Pot Crafts, Beadwork and Jewelry, Writing Forum, Computers, Sewing, Quilting, Needle Arts, Soapmaking, Candlemaking

Share your favorite tv shows, soaps, movies, books, and magazines here. This is the entertainment and media forum. Movie reviews, celebrity gossip and talk. News, current events,sit coms, reality tv, hgtv, lifetime, etc.

Sub-Forums: Book Club, News you can use, Articles

Healthy lifestyle. Discuss specific weightloss programs. Discuss nutrition & fitness. Rewards & Goals.

Sub-Forums: Food Logs & Exercise Journals, Weigh Ins & Village lbs. Lost, Panic Button & Struggles, Healthy Recipes, Healthy & Fitness Products, LFL Milestones

Health topics, specific health issues, disabilities, disorders, syndromes, chronic illness, and diseases support too.

Sub-Forums: Natural and Alternative Health, Beauty, Stress Management, Village Sports and Recreation

Simple living & inner simplicity. Deliberate choices, joys, daily gratitudes & redesigning our lives. Reconnecting with ourselves. Inner balance, slowing down, true values, mindfulness, self purpose, personal development, reinventing, rediscovery.

Homesteading topics.

Sub-Forums: Preparedness & Survival

Eco-friendly, sustainability, fair trade, environmental, human rights, animal rights, activism, veganism,vegetarian topics. Natural living. Organic-Whole foods, Green living, recycling.

Recipes. Back to the basics cooking without ready made conveniences. Master Recipes for mixes, recipes for condiments, dressings, etc. Cooking and kitchen tips.

Sub-Forums: Kitchen Clones, Food for Kids, Frugal Lunches, Cooking From Scratch, What's for dinner, Cast Iron cooking, Baking Breads, Candy making, Frugal Recipes, Leftovers, Budget Meals, OAMC, Homecanning, Freezing, and Preserving, Soups and Stews, Creative Cooking, Crockpot, Kitchen Pantry

Parenting, parenting styles, family, friends, family activities.

Sub-Forums: Adoption, Single Moms, Stepmoms and Second Wives, Relationships, Large Families, Single, Natural Parenting, Pregnancy, Education, Alternative Learning, Military Families, Bright Horizons, Pets

Organization, cleaning, space management, decluttering, time management. Disperse or dispose.

Sub-Forums: Organization Challenge, FV Clean Along

Special place, free from distractions that may lead you from your time with God.

Decorating, trash to treasure, home interiors, accessories, flooring, wallpaper, painting, furniture, carpeting. Includes home accents and domestics.

Discuss festivities, party planning, preparations, stress, traditions, recipes, gifts and crafts for the upcoming holidays. Celebrations & birthday wishes & anniversaries too.

Sub-Forums: Christmas Year-round

Garden Topics

Includes do it yourself topics such as remodelling, appliances, automotive, computers, electrical, plumbing, hardware, pest control, decks, patios, greenhouses, insulation, doors, windows, masonry, home plans, plastering, tools, garages, etc.