February 4th, 2010
Most of the time we eat pretty simple meals around our house, and yesterday was no exception. I had the ingredients on hand for potato soup which is one of my family’s favorites. I never plan on potato soup; it’s just one of those meals where I need to use something before it goes bad and potato soup is one of the easiest and fastest things to make. It does require a little preparation time since it requires cutting all of the vegetables, but it is well worth it end the end.
Potatoes are a staple at our house because they provide an inexpensive side dish, are easy to store, and can stretch a meal if you need a filler. We almost always have carrots, celery, and onions on hand which are the base of any good soup. I actually can’t stand the taste of celery, but will tolerate it in soup since it practically melts aways after I dice it into tiny pieces. Since the main star of the soup is potatoes, I dice all of the other vegetables up into small pieces as well. Our young son is not a fan of many of the meals we make, but I was able to get him to eat the soup last night after I removed most of the carrots from his bowl of soup; oh the joys of motherhood.
The soup is pretty basic, and starts out just like I would be making a spaghetti or ragu sauce. I toss all of the chopped celery, onions, and carrots into a stock pot with butter to sweat the vegetables before I add the liquid and the potatoes. After just a few minutes, it’s time to add the liquid and the potatoes. The liquid can be whatever you have on hand. My potato soup is never the same twice since I don’t do a lot of measuring, and don’t really follow a recipe. Yesterday I used chicken broth, water, and a can of evaporated milk for the liquid, but I’ve used heavy whipping cream or half and half, and even 2% milk in place of the evaporated milk.
After many attempts at trying to make my potato soup thicker, I actually discovered by accident that leaving the lid off of the pot while cooking reduces the soup and causes it to become slightly thicker after I’ve added the milk. I am not the best cook in the world, but I love when I figure out how to do something, quite by accident.
Posted in Home Cooking | 2 Comments »
February 3rd, 2010
I’m sure you’re familiar with the odd commercials done by FreeCreditReport.com, I try to resist the urge to watch them because they are so annoying, but yet, they are entertaining. What’s not completely apparent is that the free credit report isn’t entirely free. I wouldn’t call it false advertising, but it is just a tad misleading. The commercials are powered by Experian, one of the three major credit bureaus, and while you do receive a free credit report, do be careful about the strings attached to the offer.
Requesting the free credit report through FreeCreditReport.com actually enrolls you in their Triple Advantage Credit Monitoring program. If you don’t request to cancel your free 7-day trial membership, you will be billed $14.95 for each month that you continue in the program. Their monitoring program watches the three major credit bureaus (Experian, Equifax, and TransUnion) for any key changes that occur in your credit, while allowing you unfettered access to your Experian credit report any time you want.
Save yourself $15 every month and do the monitoring yourself. The federal government allows by law a free credit report from each of the three credit bureaus each year at http://annualcreditreport.com. You can spread these three reports out through the year. You can do it yourself! Monitor your credit yourself and don’t fall for the sales pitches.
Tags: Annual Credit Report, FreeCreditReport.com
Posted in Personal Finance | No Comments »
February 2nd, 2010

Sometimes we like to go with the cheap product over the one that costs $0.50 more and it all works out. However, this is a case when ALDI’s product just doesn’t cut it. It’s not because ALDI’s peppercorns taste bad. The peppercorns are great and in a taste test I wouldn’t be able to tell between their black peppercorns and McCormick’s. We had used ALDI’s grinder for a few days when we noticed how difficult it was to grind the pepper. Granted, these are disposable grinders, but some level of quality and durability is expected. In this case, we decided to go ahead and spend an extra $0.50 when the time came to replace the grinder. We bought a McCormick’s grinder and it was evident how much better the grinder was. McCormick’s product cuts through the peppercorns with ease. We tried the ALDI product again and it was just a little laborious to use. This is a good example when spending a few extra pennies is worth it.
Posted in Aldi Grocery Store | 3 Comments »
February 1st, 2010
If you have a mortgage, you have probably considered the path of paying additional payments, bi-weekly payments, or some sort of accelerated plan to pay it early. The question is: does it make sense? Financial gurus of all walks say that if you have a very low interest rate, do not pay your mortgage early. The conventional wisdom is that if you can invest your money at 10% in the stock market via mutual funds over the long haul, it doesn’t make sense to eliminate a 6% or 7% interest rate on debt. The concept is that your money can earn more invested. However, many of us just want to be out of debt. We want to own a home free and clear as soon as possible. The numbers crunching CPA stuff makes sense to me, but I’d just prefer to own the home or have the most equity.
I have a few links here so you can make up your own minds:
Wisebread – 30 year mortgage breakdown
Early Mortgage Pay-off Calculator
Don’t Rush To Pay Off That Mortgage – MSN Article
AARP – Should You Pay Your Mortgage Early
Dave Ramsey – Mortgage Options To Avoid
Tags: Paying a Mortgage Early
Posted in Personal Finance | No Comments »
January 30th, 2010

I am happy to be having my first giveaway and to announce the winners. I was excited when I had the opportunity from MyBlogSpark to have the giveaway. Thank you to everyone who entered, and for all of you who come to read the sometimes mundane goings on of my life.
I will email the winners with information on how to collect your prize; and the winners are:
Beth (bnorford@)
Andrea (andrea29@)
cwaltz (dazed1821@)
Sarah (misterjimmy@)
Posted in Online Deals | No Comments »
January 29th, 2010
If you have not seen the commercial, Honey Nut Cheerios is being promoted as a good cereal for those watching their cholesterol and blood chemistry. They have a promotion called “Non-Challenge” with a few cute commercials. There are $2.00 worth of coupons on the Non-Challenge website, but I should note that you must download their coupon printing software. I really hate this software too. However, if you need these coupons you could probably download the software, print the coupons, and then delete it.
Honey Nut Cheerios Non-Challenge Site
Tags: Honey Nut Cheerios, Non-Challenge
Posted in Coupons | 2 Comments »
January 28th, 2010
So your clipping your coupons, watching the sales, and saving money on your grocery budget. Now What? This was the question I had to answer when I originally started noticing a difference in our grocery budget. We budget a certain amount of money for groceries every paycheck and relied on those groceries to last until the next paycheck. Before I started couponing, and watching sales there was rarely ever any money left over. Not only that, but I did not have a stocked pantry, and my refrigerator and freezer were always dangerously on the low side of things as far as groceries were concerned.
The first thing I did with the tiny bit of extra money I saved from couponing and watching sales was to start my stockpile. It was an extremely slow start. I have learned to be patient since we are a want it now society, so I resisted the urge to increase my stockpile with overpriced items that weren’t on sale. I vowed to be patient and wait for the sale to happen. As with any grocery sale cycle, you have to be patient, and you have to learn when an item has hit its rock bottom price as far as sales are concerned. I did begin to notice that my extra money was really coming in handy to purchase the items we would need at these rock bottom prices. My stockpile slowly began to grow.
Now I have a stockpile. What’s next? I wasn’t exactly sure what to do with my extra money after my stockpile began to grow. Mainly the extra money was just a waste, buying frivolous items at the grocery store that we rarely purchased, and that definitely weren’t on sale. After a few months of mindless spending with my extra money that I wouldn’t have had if I hadn’t started couponing, I started a new trend at our house. We purchased compact fluorescent light bulbs (CFL’s) for the light fixtures in our house that would warrant having that type of bulb. At the time, I didn’t have a clear understanding about CFL’s and didn’t know that CFL’s don’t offer a lot of savings in fixtures that are turned off and on frequently. I know now more about light bulbs than I ever wanted to know. Oh the joys of saving money!
I have a stockpile, and I’m saving money on my electric bill by purchasing CFL’s. Now what? Here’s where things probably change for a lot of people. Everyone’s financial situation is different, and every family has different needs. This is where you will need to evaluate your spending and see where you need to make changes to see a difference. All of the changes I made were small and insignificant in the short run. It was hard to see the savings I would have in the long run by making those small changes. After all this time, nearly four years now, I really can see a difference in our quality of life. Make the little changes first, to see the big changes in the end. Like Dave Ramsey says, baby steps.
Posted in Simple Living | No Comments »
January 27th, 2010
Sometimes we like to keep it simple at our house for dinner by fixing something that we all enjoy eating; breakfast. My favorite part about eating breakfast for dinner is the economical sense it makes. We fixed biscuits, gravy, and eggs with cheese for dinner which all came to less than $5.00. There were even leftovers. We could have even had bacon or potatoes with our breakfast and still kept it under the $5.00 mark. The combination of eggs, biscuits, and gravy are so filling that you wouldn’t need the bacon, but man, you just can’t go wrong with bacon. I forgot about the bacon until the last minute, otherwise we would have had that as well.
I know that bacon is on the expensive side most of the time, but I wait for it to go on sale, and then stock up hopefully with enough to keep until the next sale. Eggs are usually around $1.50 or less for a dozen, and about a half dozen eggs will feed the five of us. I keep my gravy costs down by using bacon grease (instead of butter), which I store in the refrigerator so that it doesn’t go rancid. The possibilities are really kind of endless with breakfast, and it certainly makes things easier on the budget knowing that a good nutritious meal can be prepared for less than $5.00. If you forget to make breakfast for dinner like I do sometimes, plan out a thirty day menu, or even a weekly menu and include breakfast on your menu a couple of times for the month, or more if it’s something your family enjoys. Of course if you want to bake something for breakfast instead, my favorite is cinnamon rolls. I found Amy’s (The Finer Things In Life) cinnamon roll recipe and haven’t looked back!
Posted in Home Cooking | 4 Comments »
January 26th, 2010

My Cashbaq newsletter has a link for a free Kashi sample. We love Kashi at our house. Their cereal bars and granola bars are my husband’s favorite breakfast. Right now you can request a sample of GoLean Crisp Toasted Berry Crumble Cereal, TLC Dark Chocolate Coconut Fruit & Grain bar, or GoLean Crunch Honey Almond Flax Cereal. Just go to Kashi’s site and select the one you would like to receive.
Posted in Online Deals | No Comments »
January 26th, 2010
One of the changes we’ve made to help cut costs in the grocery area is to purchase Honeysuckle White Ground turkey to use in place of recipes that would traditionally be made with ground beef. We made the change for a couple of reasons. First off, ground beef is a little pricey, and ground turkey is always priced lower. If we do purchase ground beef, it is super lean (7%-10% fat content) which makes the price even higher because of the type of meat that we want to purchase. Second, ground turkey is healthy to cook with; we purchase the 93/7 Lean Ground Turkey roll by Honeysuckle White turkey.
Some of my favorite uses for ground turkey are meatloaf, meatballs, Southwestern Goulash, and salisbury steak. These are all comfort foods around our house. They are easy to make, quick, and low cost. Because a roll of turkey (1 lb.) costs around $2, any meal we make with turkey keeps our cost at about $5 for the entire meal to feed 4.5 people (our son is 4 and isn’t a big eater). Occasionally we do have leftovers depending on the type of side I serve with dinner which either my husband or I eat for lunch the next day.
Posted in Meals for Less than $10.00 | No Comments »