Archive for June, 2009

The Latte Factor: What's In It For You?

Thursday, June 11th, 2009

The Latte Factor is a concept that basically states “your many small purchases will add up to a significant purchase if you avoided your fancy latte and saved that money up over time”. While the “Latte Factor” was intended for coffee drinkers, the concept can be applied to any area of your life. I’m certainly not advocating giving up your morning cup of coffee by any means, because I have no plans of giving my cup of coffee up any time soon. What I am asking is if there are areas in your life where the “Latte Factor” can be applied and you net some bigger reward in the end? That thing could be money, a personal possession or even time.

The “Latte Factor” and Money – what areas in your life can be trimmed back without making a significant difference in your way of life? Many times we think that there are no changes that can be made if we’re in a budget crunch and money is tight. Take a look at all the add-ons for your phone, cell-phone, and cable bill and determine if some of the “bells and whistles” can be eliminated to free up some extra money.  For me, it is a cup of coffee and Starbucks is one of my favorite places to go so I only go there as a treat once every couple of weeks.

The “Latte Factor” and Time – are there time wasters in your life that take you away from spending time with your family? There are so many time wasters, but the biggest ones for me are the internet, and the television. I have to practice self-discipline to make sure that I don’t let my time wasters get away from me so that I am spending time on myself, and my family.

I’ve learned how to manage my “Latte Factor” whether it be time or money and still enjoy life.

Beautiful Plants for only $0.25 at the Grocery Store?

Wednesday, June 10th, 2009

 

My variety of discount plants

My variety of discount plants

I got a pleasant surprise today when I made a stop at the grocery store to pick up a few things. There was a clearance sign near some garden plants and I decided to check it out to see if it was an actual clearance or one of those that the store claims to be a clearance and isn’t. Sure enough all of the garden plants were $.25 each. The great thing about the plants were the tall grasses that were available. About a week ago I wrote about needing some tall grass to hide my gas meter and electric box. I was unwilling to pay the excessive prices at the garden center. At this grocery store, I was able to purchase six containers of grass which will work great for disguising once they grow in. I was also able to pick up a few plants and flowers to fill in areas of my flower bed that I am working on in my backyard. I was able to identify all of the items that I purchased except for the funny looking plant on the left in the back of my photo. It doesn’t have flowers and I have no idea what it is. Here is a list of what I purchased:

  • Toucan Tango (flower)
  • Fantasia Zonal Geranium (flower)
  • Icicles (plant)
  • Blue Arrows (grass)
  • Petunia (flower)
  • Vinca Vine (flowering ground cover)

Out of curiosity, I made another stop at that same grocery store a few hours later to see if anything was left.  I think everyone else thought it was a great clearance price too because all of their clearance plants were gone except for some marigolds.

 

The tail end of an Oklahoma sunset

The tail end of an Oklahoma sunset

Free Redbox Movie Rental Code

Tuesday, June 9th, 2009

I received an email from Redbox advising that the purchase of an Extra Value Meal from McDonald’s will also get you a a free one night DVD rental from Redbox. This means dinner and a movie for the price of an Extra Value Meal. Redbox is conveniently located at most McDonald’s so this makes it convenient to pick them up at the same place.

Meals for Less Than $10.00: Chicken Breast with Spaghetti & Sun-Dried Tomatoes

Tuesday, June 9th, 2009

img_2925Our family does like to go to restaurants once a month. The only problem is that it costs anywhere from $40.00-$60.00 for us to do it. I don’t feel like that should stop us from eating good food or food that is out of the ordinary. Our twins are now beyond the kid menu age and that is one of the reasons we’ve had to end most of the restaurant trips. We love going to Italian restaurants and one of the dishes I like is chicken tossed in pasta with herbs and sun-dried tomatoes. I started checking into how much it would cost to do at home and realized it would be pretty cheap. I made this great meal for us under $10.00. The sun-dried tomatoes are affordable. I got the idea from a dish I order at Romano’s Macaroni Grill.

3 chicken breasts sliced down the center, frozen Pilgrim’s Pride ($3.75)

3 tablespoons sun-dried tomatoes ($1.75)

1/2 package Ronzoni spaghetti ($0.53)

1 tablespoon thyme leaves ($0.40)

1/4 cup Italian flat leaf parsley ($0.15)

2 tablespoons extra virgin olive oil ($0.50)

1 teaspoon kosher salt ($0.10)

1/2 teaspoon fresh black pepper ($0.05)

TOTAL: $7.23

Recipe: On medium high heat, cook your chicken breasts in a pan along with your olive oil, diced onion, parsley, and salt and pepper. When the chicken is finished you’ll want to add the thyme leaves and continue to toss on low for a minute or two. Remove the chicken from heat. In a pot, cook your spaghetti to al dente. Using a spoon, take some of the water from your spaghetti and use it to deglaze the pan you cooked the chicken in.  When the spaghetti is finished, add the sun-dried tomatoes to the chicken. Straining the spaghetti is unnecessary. Place the spaghetti in the pan with the chicken and the sun-dried tomatoes and toss on low heat.

NOTES: We purchased some pre-seasoned sun-dried tomatoes in a jar but there are packages available for a very good price. I do not add sales tax to these since tax is not charged on food or groceries in many states. Be careful not to overcook your chicken. Also, Italian restaurants are high profit margin as you can tell from this $7.23 recipe that fed 5 people!

Beat the Heat this Summer

Monday, June 8th, 2009

It has taken awhile for the warm weather to really hit here in Oklahoma. The weather has been pretty mild which is unusual, but that is just fine with me. The unseasonably mild weather has  helped our electric bill stay low.

We do a few things around our house to make certain that we’re being as energy efficient as possible. Making these changes not only keeps our energy costs down, but helps the environment as well. Most of the changes we’ve implemented are common sense tips and hints, but honestly I forget to do them sometimes until I’m reminded.

Change air filters – The air filters used for your heater and air conditioner make a difference in the quality of air that circulates in your house. Air filters should be changed every one to three months depending on the number of people and pets living in your house. Changing the air filter not only allows for a better quality of air, but allows your Heater and Air Conditioner to run more efficiently. Tip: If it’s difficult to remember when to change the air filter, change it on a monthly basis when you pay the electric or gas bill. We started using a filter by 3M that only needs to be changed every 3 months. Our home was built in 1998 and has multiple air filters in the duct returns. 

Adjust ceiling fans –  Ceiling fans are a great tool to use year round to save money. In the summer ceiling fans will need to go in a counter-clockwise direction in order to pull the air down from the ceiling which forces the cool air down. In the winter it will need to run in a clockwise direction on a low speed which forces the warm air down that circulates near the ceiling. My ceiling fan has a switch that allows me to change the direction of the blades. I’m not sure if older fans have this option or not.

Close the blinds – During the summer months close the blinds to windows where direct sunlight enters your home as this heats the room. I love my blinds to be open during the day because I like to look out, but if it saves me more money I’ll keep them closed and just go outside to get my view. 

Use CFLs – Not only do Compact Fluorescent Light-bulbs (CFLs) conserve energy which costs you less money in the long run, they also produce less heat than an incandescent bulb which will help reduce your cooling costs.

For those in southern or western “hot” states, install solar screens.  We installed solar screens last winter in somewhat of a copycat move. We noticed last fall when we moved into our new house that it was exceptionally warm – in October. I noticed when I was walking down the street with our son that many of our neighbors had dark screens on their westward windows. We spent $550.00 to have solar screens installed on a large bank of windows on the west side of our home. These have already made a huge difference as the days have gotten warmer. Solar screens block 70%-80% of of ultraviolet rays to keep your home cool.

Here are a few links to sites about energy savings:

GE CFL breakdown in savings 

5 Simple Ways to Save Energy At Home (USA TODAY)

Decorating On A Budget

Sunday, June 7th, 2009

Decorating isn’t always at the top of the budget at our house. I am however always on the hunt for anything that fits with my decor that I can find at a reasonable price. What this means is that my house is not completely decorated because I’m still waiting on the right pieces and in most cases the right price. Most of the time the pieces I’ve found for my house I’ve come across while not even shopping for them.

While at first it was somewhat embarrassing to have people over, I’ve adjusted and am now comfortable with people coming over to our sparsely decorated house. Here are a few of the ways I’ve stretched my budget when I’ve either located an item that I want to purchase or when I’m searching for something I want to purchase for the house. 

Garage Sales – these are great because it’s normally a low out of pocket expense, although the items available are not always current and appealing. 

Thrift Stores – like garage sales these are great too, although the out of pocket can be a little high on occasion. There are a larger variety of items available, but style may be an issue.  

Retail stores – I love brick and mortar stores that provide coupons. If used in conjunction with a sale, these coupons have provided some great pieces to add to my house. 

I’ve used coupons from Michael’s the Arts & Crafts store. It’s more than arts and crafts and provides some nice accent decorating. Almost weekly Michael’s provides a 40% off one item in the Sunday paper which makes one of their regular priced items become pretty reasonable.

I’m on Bed Bath & Beyond’s mailing list and receive random coupons throughout the year for varying amounts off of my purchase. They have some great home accent pieces as well, and frequently have clearance sections to rummage through also. 

JCPenney will occasionally send out a $10 off $10 or $10 off $25 purchase coupon in the mail. Don’t feel the need to spend excessively when using this coupon. Just purchase the one item you think may fill a need in your house for decorating, and be done with it. The coupon is intended to get you into the store to spend more money, but treat it like  a loss leader at the grocery store and only buy the things that make sense to you. Kohl’s has a similar coupon and can be used in the same way also. 

Craigslist – while I haven’t purchased anything off of Craigslist yet because of excessive pricing, I’ve seen a lot of great items listed on there. I continue to keep my eye out for anything that may be a good buy.

Enlist the help of your family and friends that know your taste and style. My mom has called me on a few occasions while garage sale hopping to describe something that she’s seen that would be perfect and usually she’s right on with what I’m looking for. Let me know how you decorate on a budget because I’m always open to new suggestions to stretch my budget in this area.

Meals for Less Than $10.00: Baked Chicken, Baby Carrots, & Asparagus

Saturday, June 6th, 2009

img_28831On this night, my husband was working a little late at a recording studio in town and I wanted to have something light for dinner since we would be eating so late. I used some frozen chicken breasts that I brined, some bagged baby carrots, and a package of asparagus that I got on sale at ALDI. The asparagus was cooked in the oven with olive oil and salt and pepper. The carrots were glazed with olive oil, thyme, and salt and pepper in a baking dish in the oven. This was a simple meal and there were no leftovers. Thyme is the herb of choice on root vegetables like carrots, parsnips or turnips.

3 chicken breasts, frozen Pilgrim’s Pride ($3.75)

1 bag baby carrots ($1.25) on sale

1 lb. fresh asparagus ($1.99) on sale

1 tablespoon thyme leaves ($0.40)

2 tablespoons regular olive oil ($0.30)

2 teaspoons kosher salt ($0.10)

1 teaspoon fresh cracked pepper ($0.10)

2 tablespoons iodized salt for brining ($0.10)

1 tablespoon sugar for brining ($0.05)

TOTAL: $8.04

Recipe: Heat your oven to 400 degrees. All of these dishes will be cooked at once in three different oven dishes. Place your chicken breasts into an oven dish with a small amount of salt and pepper. Put a little bit of olive oil into another dish and coat your asparagus in it and then pinch some salt and pepper on it.  Do the same with your carrots except coat them with thyme as well.  Put the carrots and asparagus in there for approximately 30 minutes and your chicken for 15-20 minutes.  The thyme is the key to the carrots.

NOTES: A word about brining: brining is the process of soaking chicken or pork in salt and sugar water for several hours in order to ensure it is juicy after cooking. Brining allows you a little bit of room for error in cooking. If you slightly overcook your meat by accident, there is less chance that it will be dry. It is great for frozen chicken breasts that can be a little on the dry side. Our chicken is always juicy and moist! This meal fed twin girls age 12, our son age 3 and me and my husband. We generally slice the chicken breasts in half prior to cooking. I do not add sales tax to the total because many states do not charge tax on food.

Coupons Available Upon Request

Friday, June 5th, 2009

Occasionally while checking out at the grocery store, a cashier will ask me how I obtained one of my coupons. Most of the time it’s either out of the Sunday inserts or from the All You magazine that I subscribe to. I also get coupons by requesting a sample, and a coupon will sometimes arrive with the sample.  I will often email a company and compliment their product which will sometimes result in a coupon being sent to me. I also sign up for any mailing lists that may result in a coupon for a product that I would normally use. I am not a big fan of printing coupons if I am required to download software to my computer. This software is typically malware designed to track my comings and goings on the internet, and it slows my computer down. Here are a few of my favorite places that do send coupons in the mail:

Honeysuckle White provides turkey products that our family enjoys. We frequently purchase the tubes of 93/7 ground turkey and use this in place of ground beef. Use the “Contact us” page to request coupons. They can send coupons to you every three months so if this is a product you enjoy using, you will need to mark your calendar and email them every three months.  

Farmland provides bacon, ham, pork, and hot dogs. They send out a sheet of coupons twice a year to your mailing address after you register to be on Farmland’s coupon mailing list.

Gold’n Plump Chicken provides coupons available to print from their website. You must register to be able to print the coupons or request a coupon be mailed to you. The coupons change so check back on their site to see what new coupons are offered.

Wholly Guacamole will email a coupon monthly with their newsletter that can be printed without downloading any software. Sign up on their site by clicking the “Join the Guac Party” in the upper right hand corner of the screen.

Risking My Life for Milk Thistle

Thursday, June 4th, 2009

img_2907For the past couple of weeks I’ve driven by fields of wild flowers on the side of the road and marveled at how beautiful they are. The one that I continued to see over and over is pictured here. It is a type of milk thistle wild flower and belongs to the Aster family.

I convinced myself that I must have a few  of those flowers in a vase because they were so pretty. I was successful, but only after a harrowing experience. The flowers were about a block from my house and accessible by crossing a road with a 45mph speed limit. I’m pretty sure only one car observed the speed limit, but only to slow down to see what in the world I was doing. I took a plastic bag and a pair of scissors with me so that I would be prepared. I was right about needing both because the flowers had thorns and there were bugs on them. It only took me a few minutes to snip the flowers and safely make my way back across the road, but only after I had pricked my fingers a few times. 

Returning home, I found a vase that would house the flowers perfectly and arranged them carefully to avoid any additional thorns. I haven’t decided if I want to venture across the road for another hair raising experience to pick more flowers, but until then I will enjoy the ones that I have picked and at least laugh a little about the experience.

A New Charcoaler: Well, Sort Of…

Wednesday, June 3rd, 2009

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When we first got married, my mother was working at Home Depot. They had this gas grill on sale and she bought it for us. Sure, it was one of the budget models but it was nice and worked for a while. When it stopped working, we were also looking for a charcoaler. The charcoalers my husband liked were all several hundred dollars. He thought about it for a while and I suggested that we figure out a way to turn our broken gas grill into a charcoaler. He of course shut the gas off and removed the gas tank first, removed the gas lines, tore out the burners, and used the old lava rock protector shield as a means to keep the charcoal from falling out the bottom. We’ve used it for a few years now. It turned out to be a great way to take something that became junk and use it as something valuable. It isn’t perfect. It doesn’t have an adjustable air control and ash removal device like the nice Weber grills, but this is a good grill and we didn’t have to throw it away.  

Do you have anything like this around your place that you could “re-purpose”?

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