Archive for August, 2009

Blockbuster Express

Monday, August 31st, 2009
Blockbuster Express is competing with Redbox - bring on the codes!

Blockbuster Express is competing with Redbox - bring on the codes!

This is the first I have heard of Blockbuster Express. Redbox now has some competition as Blockbuster Express is popping up all over the place. The flyer I received shows that they are primarily at Circle K locations. Go to Blockbuster Express to check for a location near you.

The great thing about the new introduction of Blockbuster Express are the free codes that can be found by doing a simple search on the web. As with the launch of anything new, the free codes seem to be abundant for now. Like Redbox, Blockbuster Express offers the same rental rate of $1.00 for the first day and $1.00 for each day after that you have the movie.

Blockbuster Express does require that the movie be returned by 7:00pm the next evening though to avoid additional charges on your credit card. Unlike Redbox, there isn’t a way to reserve movies or see what movies are available until you arrive at the kiosk. As with anything new, read the fine print before you enter into an agreement even if it is just for $1.00.

Rewards Programs

Sunday, August 30th, 2009

I love all the rewards programs available for parents and grandparents with babies. The companies provide great products and in return offer a points system to reward you in some way for purchasing their products. This is a great way to stretch your budget and maximize your savings by participating in the rewards programs offered by the manufacturers. If you are already purchasing these products, it doesn’t cost you anything and you may receive something in return.

Enfamil and Huggies both have rewards programs that include instant win games and sweepstakes drawings. Check their sites for more information on their rewards program. In addition to their rewards programs, signing up for Enfamil’s Family Beginnings and Huggies Baby Network will allow you to receive additional savings from both of these companies through the mail.

Pampers has a program called Gifts To Grow that allows you to accumulate points from their participating products of diapers, training pants, and wipes. I did this while my son was in diapers, and redeemed my points for photos from Shutterfly and a Blockbuster Movie Night which included 2 movie rentals, 2 soft drinks, and one tub of popcorn. The rewards change periodically but always center around baby and mom.

Signing up is always free with these rewards programs. Some of the rewards redeemed from the Pampers promotion may cost you a little in shipping, but other than that it’s just the time you spend logging your points into the various rewards programs.

Serious Herb Harvest: Sweet Basil, Rosemary, Oregano & Thyme

Saturday, August 29th, 2009

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The first time we made pesto, we were naive. We got a recipe and then went over to the grocery store to buy the equivalent of two cups of Basil. The equivalent of 1/8 cup of Basil was $2.99. Making pesto was suddenly put on the backburner. We found other alternatives. We went to one of the great local Farmers Markets and got a much better deal. However, we were still scratching our heads. Couldn’t we spend $2.00 on seeds at a garden center and grow our own? Yes. The first year we grew our own, we had a ton of basil. The plants produced from June all the way until our first frost in late October. This year we planted 6 Basil plants and have had more Basil than we know what to do with. We’ve made pesto, used it fresh in marinara sauces, dried it for future use, and of course used it to make traditional Margherita pizzas. Don’t forget that Cajun, Thai, and Indian food can use Basil as well. This is a standard herb.

The other herbs we grow are Thyme, Oregano, and Rosemary. These are all useful dried and fresh for all kinds of cooking. Thyme is one of the best seasonings for chicken noodle soup and Italian ragu. Each time we pick our herbs, we make a decision to either dry them or save some to use fresh in a recipe.

Growing herbs and vegetables has become a family tradition that is beyond just our frugal personalities. Our kids participate and see that you can grow your own food. We actually are eating what we grow which has improved our quality of life. We didn’t have to become gardening experts. All we had to do was a little reading and make a minimal investment of physical labor. I’ll write soon about our Cherry Tomatoes and Jalapenos.

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Changes to the FICO Scoring System

Friday, August 28th, 2009

A new system created by the FICO  people (”FICO 08″) will discount certain small payments lingering in collections and change the way scores are calculated. One change will allow for a stray missed payment not to destroy a credit score if it is offset with a number of good payment records. The new system will boost the credit scores of some applicants. Also address is the “Credit Repair” scam in which others (parents, for example) are piggybacked onto a credit score in order to make the FICO score higher. The new system of scoring has been in place since last month. Read the MarketWatch article for more:

MarketWatch: New FICO Model May Boost Scores

Money-Zine: FICO 08 Changes

Leftover Cuisine: Grab Bag Pasta w/ Diced Pork, Basil, Garlic, & Parmesan

Thursday, August 27th, 2009
A delicious work of art in progress!

A delicious work of art in progress!

For this particular evening, I had no idea what to cook. We had some leftover marinated pork chops, a bunch of odd pastas (partial boxes or bags of linguine, spaghetti, and bucatini), and of course some odd pantry ingredients that were available to me for cooking.  I decided to cook some various pasta, dice up the pork, pick some fresh basil from our garden, chop some garlic, and use up the last of an old package of grated parmesan cheese.

The great thing about having leftovers is that you can be creative with them rather than throwing them away! Two diced pork chops, some pasta, and herbs and seasonings all of a sudden can become something great for your family to eat. This meal was essentially made from things that were sunk costs – stuff we already have that may have gotten thrown away.

Recipe:

2 leftover boneless pork chops, diced

1/2 lb. pasta, any kind

2 cloves garlic, chopped

palmful of fresh basil, chopped

1/2 cup parmesan cheese

1/4 cup olive oil

This isn’t fancy and doesn’t require any special cooking techniques. After the pasta is finished, strain it but keep a little water in it and then combine all the ingredients and toss it lightly. The flavor is all about the garlic, basil, and parmesan.

Diced pork chops, basil, and garlic

Diced pork chops, basil, and garlic

The Home Depot: Do It Herself Workshop

Wednesday, August 26th, 2009

The Home Depot is offering a new workshop in their Do-It-Herself Home Improver Club on Thursday, September 24th from 7:00 – 8:30 p.m. I am excited about the class because of the positive experience I had in another class offered by The Home Depot and can’t wait to attend this one.

The class offered in September is called “Learn How To Create Your Dream Kitchen and Save While Doing It Yourself.” Home Depot will provide a knowledgeable employee to give you the basics on:

  • Cabinet refinishing
  • Cabinet painting and staining
  • Changing cabinet hardware
  • Replacing a sink
  • Replacing a faucet
  • Changing/upgrading lighting

Check The Home Depot for locations near you and to sign up for the class.

The Half Empty Pasta Package

Wednesday, August 26th, 2009

If you’ve ever taken a box of pasta out for the evening’s dinner and had left over pasta you will understand my frustration in cooking with pasta. I love pasta, don’t get me wrong. I find that the majority of the time when I cook pasta though I end up with excess pasta that has to be stored and hopefully I’ll remember to use it again for a future pasta dish.

This left over pasta dilemma intrigued me so I grabbed a few packages of pasta out of the pantry to determine what my problem was. I had a wide variety to choose from and wound up with four different brands and varieties of pasta. The first thing I considered about each package was the serving size and servings per container. Only two of the packages had the same volume of pasta, but the serving size for all four packages were the same. I was at least happy that the serving size was consistent on each package, but this did not solve my left over pasta dilemma.

After thinking about the pasta packages and thinking about my family I came to the realization that the reason I always have leftover pasta is because my family size is 4.5 and each package of pasta has somewhere between six and eight servings. I am certain that when my three year old son nears his teenage years he may be able to consume half a package of pasta by himself, but until then I’ll have to rely on storing the pasta until I need it for the next dish.

The good thing about the small amount of pasta remaining after I’ve cooked an entire meal is that it is the perfect serving size for two. My son and I can eat the left over pasta for lunch for a quick, easy, and healthy meal. All I have to do is cook the pasta, add some fresh shredded vegetables, and top it with some Parmesan cheese, or grab a package of homemade spaghetti sauce from our freezer to throw together a quick meal.

The Case For Clunkers

Tuesday, August 25th, 2009

I have written a few posts about driving cars well past 100,000 miles and spending the money to maintain them rather than spending larger amounts on payments for new cars. A car without payments oozes value. My husband caught this advertisement on TV that drives the point home:

The Trial Size Dilemma

Tuesday, August 25th, 2009

IMG_3277The variety of trial sizes that are offered in the trial size section continues to grow. The intent of the trial sized item is to allow the consumer to either try a product at a much lower investment or to use it for traveling. Due to drastic changes in the airline industry, growth in the offerings of the trial sized section has been spurred on by the stringent requirements placed on items carried on by the passenger. Trial size products are often offered by companies as well through sample request offers to entice the consumer.

I rarely need a sample size of something since I hardly ever travel, and the thought of having ten little bottles of something taking up precious space in my stockpile seemed messy and unorganized. In the past, I would frown upon using a coupon to purchase a trial size item in hopes of purchasing the full size product at a better unit price than the trial size item. Recently though, I have discovered that trial sized items are sometimes actually lower in unit price by using a coupon than their full size counterparts even with the use of a coupon.

Manufacturers typically provide a coupon for their full size product. Many times the coupon stipulates the intended use of the coupon by excluding trial sized items. If a coupon does not have a trial size exclusion clause, then it is generally acceptable to use a coupon on its trial size version. On occasion you  may encounter a cashier or other store clerk who interprets the coupon otherwise and may have difficulty in redeeming the coupon on the trial size item. If this happens, you only have two options which is to argue your case or ask for the item to be removed. Most of the time I ask politely that the item be removed from my order which sometimes causes them to change their stance and allow the coupon to be used.

My most recent purchase was for the trial size Shout wipes. At Walgreens the 12ct box of Shout Wipes is regularly priced at $3.99 ($.33 per wipe) I purchased the 4ct trial size of Shout Wipes at Target for $.97 ($.24 per wipe) and used a $.55 coupon which took my price down to $.42 for the trial sized product. Using the coupon on the trial sized item in this situation actually makes my unit price go well below the unit price of the full size product even after the use of a coupon.

Purchasing the trial size item is not always the better alternative, and unit price will need to be determined to decide which item will be the best purchase. Keeping a price book as mentioned here and here will help keep the prices straight on what is the better deal, as well as carrying a calculator with you to do a quick calculation.

Meals for Less than $10.00: Grilled Pork Tenderloin, Cous Cous, Broccoli

Monday, August 24th, 2009

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This is yet another great meal that was made possible by keeping an eye out for deals.  I found a Hormel Pork Tenderloin deal that was advertised “2 for 1″ at a local grocery store. This ended up being a tremendous deal since pork tenderloin is generally a pricier cut of meat. I did not purchase the box of Near East Garlic Herb Cous Cous on sale, but there is a grocery store in our city that sells it at a reasonable price. Cous cous, particularly whole wheat, tastes great and is a healthy alternative to your standard macaroni and cheese or other highly processed sides. Our three year old son devoured the cous cous and the broccoli but didn’t like the meat. There was leftover meat and we used it in a tortilla soup the following day.

1 pork tenderloin ($4.51)

1 box Near East Garlic Herb Cous Cous – Whole Grain ($2.26)

1 bag frozen broccoli ($2.18)

2 tablespoons sugar ($0.05)

2 tablespoons iodized salt ($0.05)

1 tablespoon Mrs. Dash Chipotle seasoning ($0.20)

1 tablespoon kosher salt ($0.10)

2 tablespoons sun-dried tomatoes ($0.50)

TOTAL: $9.85

RECIPE:

Brine the pork tenderloin in water and the iodized salt and sugar for a few hours. This is optional but will help the cut of meat to remain juicy while grilling. It also helps the flavor. Sprinkle the Mrs. Dash Chipotle seasoning on the meat and rub it in with your hands vigorously. Sear the tenderloin on high heat on both sides for around 1 minute each and then finish grilling on medium. When the meat is finished, I usually slice it and grill it again for just a minute to add some flavor. The cous cous is a boxed dinner and is very simple. I just steam the broccoli very quickly.

NOTES: NOTE: My amounts are estimated and sometimes the result of my finding items on sale. I do not add sales tax because not all states charge it on food. Almost everything we buy is either private label or purchased on sale.