Archive for September, 2009

Don’t Forget Your Vegetables

Saturday, September 12th, 2009

I have really changed the way I look at food to avoid waste and either use our leftovers in creative ways, or by using our produce before it goes bad. I am surprised at the amount of produce I have allowed to go bad over the years by either not having a plan for it, or not cooking the intended meal for the produce in time. I’ve changed my buying habits at the grocery store to only purchase ingredients that I know my family will use in a timely manner. We have also increased our knowledge of preparing vegetables over the years which has allowed us to be more creative when we cook.

I am certainly not the best cook in the world, but have come up with a few creative things to avoid wasting our produce. If the produce can be frozen, by all means, chop it up in whatever form (diced, strips) you think you will need it in later. I have frozen celery, but because of its high water content it does not come close to its original state once thawed out. If I am making a soup, the frozen celery works well without having to worry about its texture.

My husband created a dish one evening which involved some leftover vegetables from a party. There were tomatoes, zucchini, cauliflower, and broccoli which he cooked on low with garlic, thyme, olive oil, salt, and pepper; all served over pasta. The combination is something I never would have thought to do in the past, and definitely wouldn’t have thought to serve as a main meal along with some pasta.

Make soup. Seriously, soup is really easy. My favorite soup to make is potato soup. I have this down to an art now and thankfully I forget about my poor little potatoes far too often which is why we have potato soup at least half a dozen times a year. Plus, it is super yummy, and even better the next day.

Make ratatouille. No, I am not talking about the movie. Really, it is a good vegetable dish and goes great over rice. I’ve only made it once and it was a long time ago because I hadn’t really thought about since then. I actually have an eggplant in my refrigerator right now so I am seeing ratatouille on the menu really soon.

I hope this inspires you to be creative with your vegetables. Hopefully I’m not the only one who forgets about their vegetables.

Clear The Clutter: Donate or Consign Your Unwanted Items

Friday, September 11th, 2009

I’ve talked before about taking your unwanted items either to a thrift store or some other non-profit organization for donation. Not only does donating your items to these organizations save you money on your taxes when you file the following year, it can also give you either much needed space in your house, or a less cluttered environment to live in.

Yesterday I had the opportunity to take eight bags of stuff that we no longer needed and an old ironing board to our local thrift store. I had been putting the task off, but all of the bags sitting in various spots in my house really began to get on my nerves.

Not only was I able to take items to our thrift store, but our local Pass It On consignment sale drop off day was yesterday as well, which gave me the opportunity to clean some stuff out of my kids’ closets and make a little extra money as well. This is my first time to participate in a consignment sale, and it wasn’t difficult at all, but does require some preparation prior to the sale. If you’ve never participated in a consignment sale, check another article I wrote about preparing your items.

The Pass It On consignment as well as other consignment sales are fairly automated and allow the consignor the ability to view an online list of items that have been sold at the sale. I am grateful that there are consignment sales to sell my kids’ old toys and clothing, it saves me a lot of time since I don’t have to have a garage sale, I only wish I had known about them years earlier.

Meals To Ease Your Grocery Budget

Thursday, September 10th, 2009

If you’ve ever been in the situation where you are desperate for that next paycheck, and who hasn’t been, these menus may help pull you through to the next paycheck.

Eat Beans – Okay, everyone knows that this is one of the cheapest meals to eat but it really is good and goes well with cornbread. One of the ways my mom made it really good for us when we were growing up was to fry potatoes to go along with the beans and cornbread, it made the meal seem not so cheap.

Make a pizza – Making a pizza can be really inexpensive. If you don’t have the pre-made dough on hand it is really inexpensive to make homemade and tastes great as well. The sauce can be as simple as a simmered can of diced tomatoes with some basil and garlic thrown in and then run them through the food processor before applying the sauce on the dough. You will need cheese of course, but rummage through your refrigerator, freezer, or pantry for additional ingredients to add. Be creative and have fun.

Make spaghetti – Super easy, and who doesn’t like spaghetti. We always have pasta in our pantry, and once again if you don’t have a jar of pasta sauce in the pantry, this is easy to remedy if you have a can of diced tomatoes. The key to a good spaghetti sauce is to allow it to simmer with the other ingredients  and really allow the flavors to blend.

Chicken Salad – This sounds expensive, but really isn’t. All it requires is a bag of salad, a couple of chicken breasts either cooked on the grill or in the oven and you’re set. To make the meal really gourmet without breaking your budget, try homemade croutons. We make our croutons using a couple of pieces of bread cut into crouton size then toss the croutons in an olive oil garlic salt mixture.

Make breakfast – This is actually one of our favorite things to eat for dinner. I love making homemade biscuits and gravy and the great thing about both is that they are not only inexpensive, but filling as well. We normally have a package of bacon in the freezer so add that to your meal with a few eggs and your set. My sons favorite thing to eat for breakfast is pancakes, which are also made from scratch, which would make a great breakfast for dinner as well.

A Frugal Opportunity – Change Your Mindset

Wednesday, September 9th, 2009

Sometimes I have a tendency to forget about future frugal purchases that I need to make and focus only on the present. I am on autopilot when keeping an eye out for a good price on meat, onions, bell peppers, and parsley to name a few, but I sometimes forget about my future needs.

What goes through the mind of a normal person when they see a sale on something they don’t need right now is, “Oh I don’t really need that right now, so I’ll pass”. What goes through the mind of a frugal person when they see the same sale, “Oh, I can use that at my daughter’s birthday party in six months”. The big difference is that the frugal person is anticipating their needs sometimes months in advance while the average person is thinking only about the present.

I will admit that at first my husband needed to be sold on the purchasing of items for our future needs (stockpiling). He was worried that he would one day come home and find dozens of packages of toilet paper or some other item that I had purchased as a “great deal” taking our house over. I have managed to mainly purchase items that I know my family will use in a two to six month period so that it doesn’t become overwhelming. My husband has always been on board with the idea of living frugally, he is still a bit confused about taking advantage of a frugal opportunity now so that we save later.

Sometimes a good opportunity presents itself when produce is at a really good price because it’s in season, and there simply isn’t enough time to consume all of the produce before it expires. Freezing fresh produce has helped me change my mindset about being frugal. In the past, I would purchase two or three onions every couple of weeks no matter the price because I knew I would need them over that two week period. Now I purchase the onions I still need for that two week period, but if onions take a nosedive in price I stock up and immediately chop these up and freeze them for future use. While purchasing onions at the lowest price possible isn’t going to dramatically decrease your budget, it is this small change in thinking about your purchases where you will eventually see the savings.

Meals for less than $10.00: Bowtie Pasta with Sundried Tomatoes and Eggplant

Tuesday, September 8th, 2009

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For this meal, my husband requested something light. We had just gotten back from our trip to Denver where we feasted on just about anything you can name. We just needed to do something natural, simple, and light. I found the DaVinci Bowties on sale and grabbed a few other tasty items for an Italian dish. I got the idea by watching a Rachel Ray show and changed the recipe around a little. If you’ve never had eggplant, it’s quite a bit like squash and absorbs flavors well.  Mezzetta has a modestly priced jar of sundried tomatoes that they sell and I prefer the flavor to some of the more expensive brands. Their jar is seasoned and comes in oil as well. You could use a package of dry ones but you would need to add more oil later. The sundried tomatoes are the key flavor here adding a sweet and almost raisin-like flavor.

1 eggplant, diced or cubed ($1.74)

1/2 jar of sundried tomatoes, diced ($2.22)

1/2 lb DaVinci Bowtie Pasta ($0.78)

4 cloves garlic, minced ($0.10)

Palmful of chopped fresh basil leaves (free from our garden, $2.00 otherwise)

1 teaspoon kosher salt ($0.05)

1 teaspoon black pepper ($0.05)

2 tablespoons olive oil ($0.25)

1/2 cup parmesan cheese ($0.50)

TOTAL: $7.69

RECIPE: Boil the bowtie pasta and after approximately 5-6 minutes of boiling, combine the minced garlic, seasonings, oil, eggplant, and sundried tomatoes in a large pan or pot on medium heat. Turn this mixture regularly. Keep your basil and parmesan separate to add at the last minute. When the bowtie pasta is done and al dente, strain the pasta but spoon maybe one or two spoonfuls of the seasoned pasta water into the sundried tomato and eggplant mixture if it is dry at all. Combine the pasta with the mixture and fold. Add the chopped basil and parmesan right before serving on plates to prevent the cheese from melting and the basil from wilting.

Note: We buy many things on sale and usually use private label or store brand items unless we have coupons or find a deal. I don’t include sales tax because many states do not charge tax on groceries. All items are estimated as accurately as possible.

Free Redbox Movie Rental Code

Monday, September 7th, 2009

Here’s a code to use today for Labor Day! Redbox occasionally will text a free movie code to your cell phone on Monday’s for a one day rental. Enter the code today at any Redbox kiosk to redeem for a free movie rental.  Remember to return the movie by 9:00 p.m. Tuesday to avoid any additional rental fees.   Today’s free movie code:  T46T3Q7

A Day of Savings on Saturday

Sunday, September 6th, 2009

IMG_3517Every week I scour the ads and determine the items that not only my family can use, but how I can get them inexpensively. I then match the items that I want to purchase with the coupons that I have available which gives me an even better price. By purchasing these loss leaders every week, or purchasing items that will be very inexpensive with a coupon, it allows me to use my savings on other items that my family needs. This week I made a stop at our local Homeland grocery store, and our Super Target.

The Homeland grocery store isn’t where I typically purchase our groceries, their prices are a bit higher on everyday items so I normally purchase their loss leaders. Homeland does double coupons up to $1.00, but they only double one like coupon and you cannot do a back-to-back transaction.

I like shopping at Super Target because they usually have decent prices on every day items, and they also have Target coupons that can be paired with a manufacturer coupon for even greater savings. Target only allows one like coupon per transaction of their Target coupons, but will take multiple manufacturer coupons provided that you have a product to match each coupon. On my trip today I actually forgot about the one like Target coupon policy which made my total a littler higher than I wanted, but I’ll chalk it up to a learning experience. I normally print my Target coupons from our local library at $.10 a page (prints 5 coupons per page), but you can also print them at Target from their kiosks, or from home on your own computer.

Target has a great deal going right now on Glade candle tins. The tins are priced at 3 for $5 and their are $1.50 coupons inside the tins (if someone hasn’t already taken them), making each tin $.16 each. These make great teacher gifts or to throw in a gift basket with some other items. In addition to the Glade candle tins there are also coupons for a free package of refills when you purchase three Glade tins which makes for really inexpensive candles.

My Target total came up to $17.24 and my two Homeland trips totalled $6.32 for a grand total of $23.56. In addition to the good Target total I also received a $5.00 Target gift card for purchasing the four Special K products. Not pictured are a loaf of bread and a half gallon of milk. While these trips aren’t intended to provide groceries for our family for a long period of time, the intent is to purchase items at their lowest price allowing us to purchase other items that go on sale infrequently or not at all.

The key to really good savings is to watch the sales, gather coupons from any source that is available to you, and combine your coupon with the sale price to make it a really great deal.

Watch Out For New Credit Card Fees & Terms

Saturday, September 5th, 2009

SIMPSONS

A new credit card law coming into effect on February 22, 2010 will limit the ability of credit card companies to raise rates, charge fees, and it will eliminate a number of misleading practices. This is good for consumers but right now credit card companies are raising rates and fees while they can before the new law takes place.  Some things to watch out for:

  • 0% balance transfers have all but disappeared
  • Introductory teaser rate periods for low interest rates have gone from 12 months down to 6 months
  • While balance transfer fees were previously nothing, fees for balance transfers are now commonly 3% or 4% of the balance
  • Watch for credit limit decreases
  • Annual fees are being introduced on cards that previously had no fees
  • Credit card companies are dropping some customers that carry high balances

It’s clear that the new law will benefit consumers. The new law will require card companies to apply any payment made to the customer’s highest-rate balance before any other balance. This will prevent card companies from enticing new customers with 0% balance transfers and higher rates like 18% on new purchases. This new law will also restrict credit card companies’ activities on college campuses. For example, credit card issuers will not be able to entice college students with freebies. Students under 21 will only be able to get a card with a co-signer if the student cannot prove independence and means to repay.

See these articles for more information about the new law:

Creditcard.com article about the new law

Article about credit card college campus restrictions

Pros and Cons on new credit card reform

Pepper Garden Harvest Time

Friday, September 4th, 2009

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Today, I noticed that our pepper plants were ready for another harvest. Our pepper plants cost very little to start. In fact, you could save a bunch of seeds from your peppers this year and keep them in a cool place and in a sealed bag to grow them next spring. We planted ours in 5 gallon planters and also in a flowerbed. We did move one of the jalapeno plants to our herb garden when its roots became too much for the 5 gallon bucket.

We tend to eat some of the jalapenos fresh in eggs or make shredded beef burritos and simmer them with the beef. Fresh jalapenos are also great sliced or diced on nachos. Pickling these peppers is also a nice option. The larger peppers are anaheims and we like to stuff these with cheese and then roast them on the grill or in the oven. We have had a great time growing our peppers this year and we haven’t had to buy a pepper at the grocery store all summer. We have plans to chop some jalapenos and freeze them in bags for winter use.  The red peppers in the photo are jalapenos that turned red due to being ripe. They’re still hot. My green bell pepper plant has not done so well and that has been a learning experience for me. One of the great things about having a garden is the free food, but the other great thing is learning.

Bell Pepper almost mature

Bell Pepper almost mature

Grocery Shopping To Keep Costs Down

Thursday, September 3rd, 2009

Over the last three years I have adapted and changed the way I shop to cut expenses, save money, and live frugally. I find it challenging and fun to see if there is a more inexpensive alternative. Finding the alternative can be done in many ways:

  • By shopping the sales and planning your meals around those sale items
  • Using coupons and combining a coupon with a sale price
  • Purchasing a store brand product of equal quality
  • Buying in bulk for frequently used items
  • Finding alternative sources for lower food prices either online or at a brick & mortar location

I have learned to not discount a store based solely on appearances which may require a little field work (aka shopping trip) to determine if  a new store warrants further investigation. I look for alternatives when purchasing groceries to keep costs down either by waiting for an item to go on sale, purchasing in bulk, buying a store brand, or by creating a comparable product using similar ingredients.

On a recent trip to Aldi my mission was to pick up a few groceries and select a few items that would be comparable to a trail mix I had recently purchased. My husband and I just returned from a trip to Denver and one of the snacks I brought along was a pre-packaged trail mix. I don’t normally purchase trail mix due to the high price per ounce of the ingredients, but found Planters Trail Mix on sale at Walgreens for $.99 and combined the sale with a coupon which allowed me to pay $.50 for a six ounce package ($2.79 regular retail).

The trail mix was good, but I wanted to purchase the ingredients individually to see if I would be able to arrive at a good price per ounce with ingredients purchased from Aldi. The Planters Trail Mix I purchased included cashews, chocolate covered peanuts, chocolate pieces (similar to M&M’s), peanuts, raisins, and dried cranberries. I purchased similar products that would provide the same results, and ended up with cashews, semi-sweet chocolate chips, peanuts, and Fit & Active dried mixed berries (cranberries, cherries, blueberries, and strawberries). My total for all four products came to $9.36 for a total of 45.5 ounces. While the price was cheaper when the Planters Trail Mix was purchased on sale at the $.99 price, my alternative trail mix came close ($.20 per oz.) to the per unit price of the Planters Trail Mix ($.16 per oz.).

The end result of determining if an alternative trail mix would be cheaper ends with mixed results. I think that the alternative trail mix is a great deal since my $.99 price would be dependent on waiting for the Planters Trail Mix to go on sale and risking the chance of purchasing the product at a much higher price per ounce if the product was not on sale at all. I like the alternative trail mix and welcome the opportunity to continue finding cheaper alternatives to products that my family enjoys.