Per Joan , from Jennifer/Melissa

Joan per our conversation today, Melissa left me a list of ideas she had on money savings and here are mine too, I'm sure the other girls will add, some of ours are similar so here they are;

1. minimize appts and try to make them back to back so that one day is used for appts (ie Dr.Campbell is done at 1210 and 1220 for Jean)

2. Limiting Charlae to twice a month for full massages on both Bill and Jean

3. Cut John down he really can just show us and we do it with her to continue therapy. He comes 8 times a month maybe make it 4 or 6

4. Cut pool guy back, we think he comes, four times a month, but nobody uses the pool, buy us a net and we would be glad to get some fresh air skimming the pool, and have him come once a month for the chemicals and filters.

5. Jay doesn't need to be here period, but if he has to be the one, he doesn't need to come every week, I have a lawn and my 45 dollars a month does my landscaping fine.

6. The car, several times Jean and Bill have commented on how much they love Cookies PT cruiser, and how easy it is to get in and out, and the big space in the back, we think that the Cadillac is a gas guzzler, and they don't need such a big vehicle, they really do like Cookies Mom's PT cruiser and Jean tells her all the time.

7. Dry cleaning!, way way overpriced, I was doing the dollar cleaners but I got too busy, maybe we can rotate one girl a week to dry clean at the 1.50 cleaners, drop off and pick up, this would cut down on a lot and the burden wouldn't be on one person.

8. Jeans Hair/nails, I think Once every 6 weeks is good, she goes every four weeks to these over priced salons, I found a women, on craigslist, that travels to elderly homes, and does hair, she has been doing hair for 15 years, she mostly does senior homes that don't have a salon built in, she knows the short, white hair cut well, and will do Bills too, with traveling its 6o for jean haircut and whitening, and 18 for Bill hair cut, it will save traveling, and prevent over lapping of hours when Bill decides he doesn't want to sit in a ladies salon for 2 hours.

9. Limit ordering out, now we need Jean and Bill on board for this, as they will often say, lets order Mexican or lets order Marie calenders, despite a full fridge, they want a particular item, maybe we can limit ordering to twice a month.

10. The newspaper, they don't read it! I have been here for almost 6 years, they don't read it, occasionally very rarely she will ask for it or Bill, they don't even ask for it so I usually forget it even comes. And when I do give it to them Bill says " i cant read anymore, I'm blind in my left eye, just throw it out." I think the weekend edition or even just the Sunday paper would be fine.

11. Garbage cans, I don't know how PV works, but in my area more cans = more money per month, maybe in their younger busier days they needed 6 garbage cans, but now we don't need anymore than 2, they do come twice a week, and if the problem in suggestion 5 (aka Jay has a problem with that he should haul away debris like every other landscaper does).

12. Cable, we have about 500 channels, maybe its a bundle package, but honestly I can only vouch for Melissa and me, but I'm sure the other girls would agree, we don't need 500 channels, Bill and Jean watch the same few channels and none of them are passed CNN 209.

13. Indiscriminate spending Jean out =Jean spending, as you all know Jean could spend anywhere, even if its a gift shop at a hospital she will spend, we need supplies from Target, Walgreen's, Walmart etc, but the problem is she gets it there and wants to spend spend spend, lets not even mention when Cookie takes her. I think a small account for just household spending with debit card and a small limit say 500 per month should be the max, and any forgotten supplies should be bought using only that. One debit card left in a place we can all find it, and its used for only small quick things, would budget instead of dragging Jean with us to these stores and she does the shopping Olympics, also this would eliminate, writing of checks back for items bought out of our pockets.

14. We think buying in bulk is a great idea, for some items, ie: toilet paper, paper towels, laundry detergent, decaf coffee, softener, OJ, cereal, Kleenex, hand soaps, things that we go through really fast, just an example, in one weekend Bill and Jean used 4 rolls of toilet paper and 3 boxes of tissues and they were not sick. Maybe the "debit card with a limit" can be used for this once a month shopping. Then any adjunct online food ordering can be just for produce/meats/dessert/perishable items, this would cut that bill back significantly as its cheaper to buy in bulk then to buy online.

15. Stop the catalogs/beauty magazines/gossip magazines/fashion magazines, cancel the subscriptions, sign up on an OPT out list for junk mail, all these do, albeit keep Jean busy for hours, is rile her up to start tearing out pictures, and want to buy products/clothes/shoes/changes rooms and decorate/re arrange. And they make sooooooo much clutter, and Jean tears out tons of pages and wants to save them for later shopping dates. I suggest getting her large print Readers' Digest or National Geographic. The ART and Architecture magazines are just coffee table dust collectors too.

16. Put a fraud alert on her credit report and Bills, so that when Jean goes shopping and they offer her a store credit card, she stops applying for them, Cookie unusually is there to feed Jean her info, as in her social and address with the fraud alert, they cant use that second party information JEAN herself needs to be able to say it, and trust me they will deny her a card. Which is not what has happened, hence she has Chico's, coldwatercreek, Talbot's and sears cards now.

17. Maybe we can have a consignment shop come and have Jean go through items that she has and consign them and Bills too, he goes to that rip off 250.00 for pants for Bill, that are nothing more than big and large that he can easily get at Dillard's, he is all about comfort he doesn't care if its Cutter and Buck , but maybe Jean would agree to consignment. We also talked about a professional organizer to come and clean Jeans closets, maybe if she sees that 85% or her shoes and clothes and purses have tags she would feel like she has new clothes all the time. We have all done the complete 12 hour closet make over, but inevitably it reverts back to a massive menagerie, Jean says she wants this there and then this over there, maybe if a pro that charges 25 and hour to do it, she will keep it tidy.

These are just some small changes that we feel will add up to helping save money, in the bigger picture, speaking for Melissa and myself, Jean and Bill's house depletes a lot of their money, its inefficient, and requires more and more costly up keep, for all this unused space, we saw beautiful condos, one story, handicap accessible, in Paradise Valley that went for 1100- 1300 per month. This would decrease: electricity, fall risks, water bills, landscaping, pool, garbage collection. etc.