DIY Life

You shop the sales. You've already reduced your holiday spending budget. But let's face it: the holidays are still going to cost you. Really smart budgeters contribute small amounts all year round to holiday savings accounts. For the rest of us, it's not too late! Here are some last minute ways to put money aside for holiday gifts.

1. Open a holiday account. No, it's not too late. Do you have any free funds sitting in your checking account? If so, transfer them immediately to your holiday fund. It's a start.

2. Cut the lattes. Yes, it's annoying when budgeting experts keep reminding us not to fritter money away on expensive little luxuries. If you like to indulge in little treats for yourself, however, now's the time to go cold turkey. Not forever. Just for the next few weeks, and put that money aside. It will add up over the next few weeks.

Hefty cable bill got you down? Do some people pay less for cable than others? Yes and yes! Here's how to reduce your monthly cable bill, with realistic advice gleaned from frugal cable subscribers.

Warning: to make this advice work for you, you'll have to be painfully honest with yourself about a) how much you really need/use your existing cable and b) how much you can really afford cable, if at all.

1. Not yet a cable customer? First, search for special deals offered by your cable provider, such as a low monthly rate for the first six months. When you do call to sign up, make sure to ask if you can get one of those low-rate deals, plus extras, such the modem, thrown in for free. Hey, it doesn't hurt to ask!

Fall: my favorite season! Admittedly, autumn here in Florida lacks the spectacular foliage and delightfully chilly air enjoyed by those in northern states. This makes me rely all the more on décor to evoke that Fall atmosphere in September. Okay, so Fall does not officially arrive until September 22, but I'm so ready now!

Now, don't spend big bucks decorating for fall. It's really not necessary, and I also think it goes against the spirit of the season a little bit. Isn't autumn a time for celebrating the simple abundance of nature, above all else? With that in mind, let's take a look at budget-friendly ways to gussy up your house and yard for Fall.

First up: do buy at least one largish pumpkin. For a $10 or $15 investment you'll get weeks of big-time Fall attitude for your front porch.

When it comes to home décor, I've learned to get more for my money. If you're currently renting, chances are you're doing the same – shopping for Pottery Barn looks at bargain basement prices. Shop even smarter: Time your purchases to take advantage of clearance sales on seasonal product lines!

August is a great time to shop for outdoor supplies, especially furniture and décor for your patio or balcony. So start keeping an eye out for those hot late-summer deals! Need inspiration? Check out my slideshow of thrifty buys for balcony beautification. It's all about getting great looks at an affordable price.

Oh, and for sensible tips on making the most of your outdoor spaces, take a look at Oh My Apartment's balcony decorating ideas and also HGTV's guide to decorating a balcony.

Needing some serious visual impact for the yard? It's not too late to plant your curbside garden or front porch containers with bright, heat-tolerant annuals. If you're on a tight budget, however, choose carefully. Opt for plants that are cheap, tough, vibrantly hued and fast-growing.

Looking for suggestions? Allow me to share with you my 5 favorite summer-loving annuals:

1. Dusty Miller
2. Geranium
3. Impatiens
4. Coleus
5. Melampodium

Dive right in and decorate your new rental. The sooner you start, the sooner it will feel like home. If you're beginning college this fall, now's a great time to hunt for dorm room decor. Whatever your space, remember you're not alone: Most home buyers are choosing pre-owned, and face the exact same make-it-mine challenges as you do!

1. Curtains are key for making a place feel like home. Sheer window panels are affordable and come in many gorgeous designs. Budget tip: Chunky curtain rings make window treatments really pop. Skimp with budget-priced curtain rods then splurge a little with eye-catching curtain rings such as bamboo hoops.

2. Rugs really anchor a room. It's OK if you're on a tight budget: Small rugs work surprisingly well, too. Opt for a small living room rug and position a coffee table on top of it. Similarly, a small throw rug next to the bed is a heck of a lot cheaper than a full-size area rug, but still makes the room feel cozy.

Look: I'm completely addicted to those glossy Before and After-type home renovation magazines. But I often scoff at the money spent on those gorgeous refits. There's no way I can sink that kind of money into my, er, sinks. That is, while I can afford one nice (alas, not luxe) renovation job, I can't swing it for both bathrooms. What's a girl to do?

After four years (yes, really) of on-and-off agonizing, I've decided on what I hope is a winning strategy: A fairly major renovation of our master bathroom -- which has the world's tiniest shower stall -- with only minor upgrades to our hall bath. I'll be doing the easier repairs and all the cosmetic stuff myself, but hiring in experts for the bigger tasks.

In the coming weeks, I'll be blogging about my progress. First stop is this new photo gallery on how to repair small holes in a bathtub. Please come back often to see how I'm doing! And don't forget: We love feedback. Post your thoughts and/or suggestions in Comments below.

1980s music and '80s-style skinny jeans have popped back into fashion of late. '80s-style home decor trends have most definitely not. So if you've recently purchased a home that retains an '80s interior, or if your old house needs a style makeover before going on the market, check out these tips from MSN Real Estate on how to de-'80s your home.

The fastest and most budget-friendly way to de-'80s a space, say MSN's style gurus, is to completely rid yourself of the dreaded "Miami Vice" color palette. The hues now considered waaay outdated are hunter green, salmon pink, gray, and teal. Next, upgrade your light fixtures, particularly anything with a shiny gold (fake brass) finish or anything involving etched glass.

Next, replace outdated bathroom medicine cabinets and faucets. If you don't have the time or budget to replace the entire medicine cabinet, at least pull the old one out and hang an attractive mirror over that spot. Next, upgrade the faucets at your kitchen sink. There. The whole house looks better already, doesn't it?

It seems that when I look at our budget, the greater portion of our expenses seem to be spent on food. Yes, we are self-proclaimed Foodies, so we tend to splurge on good things to eat. The good news is that there are ways to save money in the kitchen; your love of food doesn't have to break the bank.

1. Make a weekly menu and shop accordingly: Creative meal planning wastes less. You'll be less apt to buy things that aren't on your grocery list, and you'll have everything you need for the week's meals, thereby saving gas on fewer trips to the grocery store.

2. Use extra foods to make soups or stews: It's OK to buy that jumbo bag of broccoli florets. After you use what you need in Tuesday's stir-fry, throw the rest into a pot with onions, broth, some dried beans, and some seasonings. The result will be a healthy soup that you can freeze for lunches later. Some of my favorite meals have been the clean-out-the-refrigerator-stews!

"Home, home on the raaange." Camping, campfires, and campfire songs are so much a part of the American summer. Kids especially love this stuff. "Can we go camping, Mom/Dad? Can we? Can we? Can we?"

Don't have the budget/energy/time to drag the whole family to a real campground? Consider building a stay-cation-style camp site at home. You can do this inside, or try setting up outside on the lawn or on your porch, deck, or patio. Invite all the kids' friends and make a party out of it!

Fake fire will be your centerpiece. I found suggestions on building a faux campfire at TheMeBuilders.com and at Cadvisor.com. This basically involves positioning a fan and some red-colored lightbulbs underneath your "campfire" (bundle of logs). A piece of colored silk scarf flickers and billows when the fan is turned on. Never, ever leave the setup unattended in case the bulbs overheat.

Looking for deals on DIY-related gear?

If you're staying home this 4th of July weekend, it's a good time to work on the house and yard. Let's visit the big boys of home improvement supplies: check out July 4th deals from Lowe's here, and The Home Depot here. Neck-and-neck as always, both stores are offering 10% off major appliances ($397 and up) and deals on carpet installation.

Lowe's is offering gift cards in return for purchases, too, starting at a $10 card for purchases from $99 to $199 and going up to $100 cards for purchases of $600 or more. Nice to get something in return for all that spending, huh? Oh, and Lowe's is also offering 10% discounts this weekend for military personnel and their immediate families.

Dreaming of a Mediterranean-style oasis in your own yard? Me too! Okay, let's get inspired!

So, what makes certain gardens "Mediterranean," anyway? Well, for starters, they're designed to withstand both lots of heat and irregular rainfall. The garden designs are visually appealing, true. But they're also low-care and eco-friendly. Because plants are selected for toughness, and lawns are absent or insignificant, there's less need for chemicals and watering.

1. It's all about contrast.
Mediterranean styling is pretty easy to imitate. The essential element? Contrast. That is, contrasting hard, structured surfaces with soft, unstructured foliage and blooms. Think tumbling vines atop high stone walls. Think paved walkways next to climbing roses. Think clipped hedges fronting tall, slender cypress trees. You get the picture.

Grab your hip, new reusable shopping tote and let's grab some groceries. But, wait! First, check out the Reader's Digest 10 tips for smart food shopping. It's a quick and easy-to-read guide for staying on track once you step inside the store. Stay on track how? Answer: in every way -- in terms of your budget and your health goals.

Here are my three faves -- all ideas that have worked for me lately:
1. Limit your trips. I try to pick up extra bread and milk when I shop so as to avoid extra runs to the store. The less I go to the supermarket, the less I spend each month.
2. Avoid shopping on an empty stomach. An oldie but a goodie. This is probably the best shopping advice out there!
3. Follow the walls. The less processed stuff you buy, the less money you'll spend and the healthier you'll be eating. Try it. This tip really works!

Enjoy these ideas? Check out Francesca's tips on how to be a grocery super shopper!

Rust never sleeps, they say. The longer you leave exposed, rusting pipes untreated in your yard...well, you are ruining your pipes as they are eaten away by the elements. Rusty pipes, such as those leading to a gas meter, also make a house look a bit shabby and unloved. Let's take a look at how to deal with rusty pipes on your home's exterior. Spring is the perfect time to tackle this project!

Step 1. Select your paint
Go with a good brand like Rust-Oleum. By the way, Rust-Oleum has a fabulous website with lots of helpful advice for beginners. The company even has a special section on best products for really rusty surfaces. I recommend you check it out before heading to the paint store.

You will want to use an oil-based enamel paint. Oil-based paints are sticky and are not water-soluble. This makes application and cleanup a little tougher, but it's so worth it because oil-based paints are made to last. You have a choice between brush-on paint or spray paint. Personally, I prefer the traditional brush-on kind. On the other hand, spray paints mean no messy brushes to clean up when you're done!