TIP OF THE MONTH. Doggy door flap replacements are expensive; my pet store wanted $35 for one. So why not make your own? Check out the carpet section at your local discount department store, and pick up a rubber-backed doormat for a couple of dollars. Then just cut it to fit using the old door flap as a template. I only spent about $2. -- Shirley R., Missouri

Congratulations to Shirley R. for winning our Tip of the Month contest. What a great idea -- and a brand-new one for Mary and the Debt ...

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