Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Friday, February 13, 2009

Cookbooks

I often get questions and cookbooks, which are my favorites, which are best. I love a good cook book! I'll read through it, just devour it. Even if I can't use all (or even many) of the recipes, I can learn a lot of things. Different techniques, seasoning combos, ingredient combos. Ideas I didn't have before. I have a pretty large cook book collection, so I can browse for inspiration.

The one I return to the most often is my old favorite, the classic red and white Better Homes and Gardens New Cook Book: Celebrating the Promise, 14th Limited Edition . It's the one I learned to cook from, clearly labeled and organized, and a great starting point to learn how to use basic equipment and ingredients. Not always the healthiest or most budget friendly, but the recipes inside that book give you the skills and confidence to face more and more complicated foods. If you're living on junk in a box and ready meals, then the recipes in there can improve your budget and your nutrition a huge amount! I still use some of the recipes in there, it's my comfort food.

Another favorite is the Farm Journal Cook Book
which I got 2nd hand. I love the chicken & dumplings in there, and it's helped me in meat prep.

When I'm feeling nostalgic and festive, I flip through Betty Crocker's Best Christmas Cookbook
which is just pretty. I often get inspired to make something after flipping through that! I especially love their vegetable lasagne. Not the most diet friendly food on earth, but it's better than the sausage loaded version and really tasty. I swap out the cheeses for lower fat versions and use less, whole wheat pasta and extra veggies. Yum! Their cookies are all wonderful too, anyone who I've sent Christmas cookies to at the holidays has probably had at least a couple from that book. Has some craft ideas in there too, some that make good gifts or craft fair ideas. Fun!

So there it is, my 3 favorites. I can usually dig through one or more of those and get inspired what to do with almost anything I drag home. I love to grab obscure produce on impulse or buy what's on sale that wasn't advertised, then I have to decide what to do with it later. That means a lot of trying to come up with meals with little planning, and a lot of improvising. So a good quality basic skills book, a nice classics farm book with a variety of meats and veggies, and a couple books with pretty pictures and appetizing ideas are a great resource. Having that library availble helps me be able to make cheap, healthy and delicious meals with whatever I can find on sale.

So what are everyone else's favorite books and must haves? I'm always looking for new suggestions what makes a good resource!

I dig through dozens of others. I really recommend for anyone to have at least a couple books around, especially at least one that's pretty.

Saturday, January 24, 2009

Saving money, coupons and deals

I've been asked a few times lately what we're doing to save money, and how I come up with "magic" shopping trips. I set up about 2 trips per month where I get over $100 of stuff for less than $50, and I'm not talking about clothes on sale but necessities.

I use couponmom.com to find deals. Many of the best are at CVS. Many times I can get items like toothpaste almost free, sometimes I actually get paid to buy items when the combo of the sale price, extra bucks and coupon value add up enough! I stock up when I can get items free or almost free, so I don't have to buy them when we run out at full price or at the mercy of their regular sale price.

I get the Sunday paper for the coupons. I cut out any that we might use, and put them in a little organizer with an envelope for each category, like refridgerated products, soaps, paper products, toothpaste and others. I also go to manufacturer websites for coupons, and places like coupons.com, smart source and red plum online. I watch the store aisles when I'm shopping for the little coupon devices with the blinking red light. I grab a few copies if it's something I might use and save them, often the item will be on sale in a week or two, after the coupon dispenser goes away! Everything gets filed in my little organizer, so I have the coupons with me if I notice a great sale at a store that isn't covered by Couponmom, which is most of the stores I go to. Couponmom only covers the major stores, and often prices are better in smaller stores.

I go to walmart.com, to their "In Stores Now" button, then free samples and order everything we might use. It's completely, 100% free and no obligation - even the shipping! The samples often come with a coupon, or bonus samples of the same brand. I recently got one of dishwasher detergent that came with a coupon for free rinse aid, and several other coupons for the same manufacturer's items! Even if the samples don't come with a coupon, it's still a freebie. Sometimes it's household items, sometimes food, always fun to get a freebie!

As another bonus, I use Upromise. All you do is sign up (free!) and link your credit, debit or store membership card to your account (also free!). Then whenever you go shopping and buy qualifying products, the manufacturer deposits a few cents into your Upromise account. You can also shop online through their portal and get a percentage back from many retailers, or use Upromise's website to get online coupons. The online coupons work automatically if you buy the product with an attached card. You don't get the cash back or that amount off your bill, it just goes into the Upromise account. Mine is for the kids' college funds. It's not much, but by the time they're ready it should be a bit to help, and it will have cost me a grand total of Nothing. Very little time and absolutely no money!

A trick I was surprised to learn is that you can use multiple coupons in one transaction. Like if you have a coupon for a box of cereal, and you buy 2 boxes then you can use 2 copies of the same coupon in the same purchase! That really adds up, especially if you can combine it with a sale like when the store is offering "buy one, get one free" (BoGo) or "buy one, get one half off" That leads to a lot of my freebies! A common deal to be able to get with cereal, oatmeal and cosmetics.

It's never very much at once, but I've calculated the time it takes me to figure out a magic shopping list vs the savings, I get paid at least $50/hour for that time! Isn't it worth saving $50 for an hour of your time?

Tuesday, January 20, 2009

Weightloss Tip of the Day - grocery list

The easy weightloss tip today is make a grocery list!

If you have a list, you're less likely to forget a vital ingredient for a meal you have planned, and resort to a convenience food that's not diet friendly instead. You're also less likely to fill the cart with chips and junk you really don't need in the house when it's not on the list.

That means a lower grocery bill from less impulse buys, and a kitchen better stocked with the healthy foods you need. Double win :)

Sunday, January 18, 2009

Green Tip of the Day

Ever stopped to consider just how much soap and detergent you use? It's probably a lot!

If you think about it, the more you use, the more the makers earn on their products and the better it is for them. So it's in their best interest to advise you to use more than you really need.

Try decreasing how much you use, and see if you get the same result! I've found I actually get a better result on laundry using half the recommended amount of detergent! Too much detergent doesn't rinse completely off, leaving a residue that attracts more dirt and retains odors. To test this out, run a load of laundry without adding any detergent. Open it up during the wash, and look to see if the water is cloudy and sudsy like it would be if you had added detergent. If it is, then you're using too much and it's staying on your laundry!

Test out other products too, you may be using a lot more dish detergent, soap, shampoo and toothpaste than you really need to adequately get the job done. Remember those extra products take ingredients and energy to produce and transport, and when you rinse it down the drain it doesn't stop existing. Whether you're using hyped up green products, salon stuff or bargain shelf stuff it adds to waste water and has an impact on the environment when it's released. So much waste is produced that even biodegradable products take longer to break down than they should.

I'd eventually like to make our own laundry detergent, but haven't been able to locate washing soda in a store yet. Regular "green" laundry products are way out of our price range, but for now I'm content knowing I'm reducing our footprint by using less of the regular stuff. Better for the planet and our wallets!

Tuesday, January 13, 2009

On the Menu tonight

Tonight's dinner is going to be spaghetti with turkey meatballs and brussel sprouts. Leftovers actually, but still delicious, healthy and budget friendly! I'll put my approximate cost in parentheses to help calculate the total cost.

Broiled Turkey Meatballs
1 lb ground lean turkey ($2)
1 egg, beaten ($0.08)
2/3 cup fresh breadcrumbs (about 1 1/2 slices, $0.02)
1 tsp pepper (under $0.01)
1/2 tsp salt (under $0.01)
1/4 tsp garlic powder (under $0.01)
1 tsp italian seasoning (under $0.01)
1 tbsp dried parsley (under $0.01)
2 tsp worcestershire sauce ($0.02)
2 tbsp parmesan cheese ($0.02)
1/4 small onion, very finely minced ($0.03)

Total cost per recipe - about $2.20, makes 5 servings. $0.44 per serving of 4 meatballs.

To make meatballs, combine all ingredients in a food processor and process until smooth and well combined. Shape into 1 tbsp balls, a cookie scoop is very handy for this! Place on a cookie sheet sprayed with nonstick spray and broil about 20 minutes until cooked through.



I used Ronzoni Smart Taste Spaghetti, $0.75 with sale and coupon for 7 2-oz servings, $0.11 per serving. A jar of organic marinara on sale for $2, 6 servings of 1/2 cup at $0.33 each. And a bag of frozen brussel sprouts, 6 servings for $1.50 is $.025 each.

That's a total of $1.13 per serving for a healthy, homemade and very satisfying dinner! Enjoy!

Green tip of the day

I'm going to try to start offering a Green Tip as often as I can - something good for the environment, your bank account and you!

Today's tip is washcloths. You can buy the fancy eco friendly pricy ones, or the cheap packs of them for about $3 at Walmart. The green part comes in how you use them. Instead of spending money on paper towels to dry hands and clean baby faces, I've started using washcloths. I keep a nice basket of them near the sink, right under the paper towel holder. They're handy to grab to dry hands, clean dishes, clean the kids, wipe down counters - almost anything you'd use a paper towel for. Then just toss them in the laundry with all the other towels. I've calculated it saves us about $5/month, and an entire bag of garbage produced! It costs us nothing but the price to buy the washcloths. Very handy! Does a much better job cleaning up the kids after lunch too!

Monday, January 12, 2009

Eating healthy on a budget

I often hear the comment that people can't eat healthy because it's just too expensive. I'm here to tell you it can be done! We feed a family of 4 for less than I spent on groceries for 2 eating unhealthy foods. Here's a dozen great ideas anyone can try!

1. Check the price per serving, not just the price per pound. A pound of boneless, skinless chicken makes more servings than a pound with parts you won't eat. Remember you're paying the price per pound for the bones, skin and trimmings too! Minimize waste and get the most for your money by using bones and scraps to make stock, just cover in water and simmer.

2. Buy flexible staple items that keep in bulk. Dry beans, rice, barley, lentils and many similar items will keep indefinitely in the pantry. Whole wheat flour and brown rice can be refridgerated or frozen.

3. Buy lean, inexpensive cuts of meat when it's on sale and freeze several extras. Good bets are ground lean turkey under $3/lb, split chicken breasts under $1/lb, boneless skinless chicken breasts under $1.50/lb, and Hillshire Farm turkey smoked sausage loop under $3.50. All can be used for a variety of meals, freeze well, are easy to prepare and great for leftovers.

4. Shop at farmer's markets, ethnic grocery stores, mom & pop shops, swap meets or wherever you can find inexpensive produce. I've found produce at local ethnic grocery stores is usually around half the price of the main grocery's sale prices. Sometimes less!

5. Grow your own! If you have a pot of soil and a sunny spot, you can grow mustard greens and radishes quickly and easily year round, indoors, or outdoors when it's warm. You can grow lots of veggies and small fruits in pots, in a dedicated garden area, or work them into your landscaping. A $2 packet of seed can easily produce a large amount of food. Especially with easy to grow herbs like parsley, chives and cilantro the savings over buying fresh at the grocery store are substantial.

6. Know your prices! If you can't remember it all, make yourself a cheat sheet in a notebook you take to the store with you. Write down items you commonly buy, followed by what it costs and at which store. You'll soon recognize what's a good price and when to wait.

7. Use coupons! But be reasonable. A lot of coupons are for items that are insanely overpriced to start with, and even after combining a coupon and sale the generic is still cheaper. Use online resources like couponmom.com, coupons.com, smart source, red plum and manufacturer websites to find coupons and deals. Coupon Mom will teach you how to combine sales and coupons to get great deals! Once you know how that works it's easy to apply to other stores. Trim corners on things that are easy to get great deals on like toothpaste for under $1 at CVS, and then use the savings to get more groceries.

8. Know your seasons. Fall and back to school time is great to get cereal, granola bars and packaged snacks. Everyone has them on sale then, and every newspaper insert is loaded with coupons. Stock up! Winter is canned goods, turkey, ham and frozen meats. Spring is "diet" foods, but watch to make sure they're not heavily advertising an artificially inflated price on things like frozen dinners. Late spring and summer are produce, and lots of it! A good time to learn to can, freeze, dehydrate and cook with as much fresh produce as you can handle. Early fall is winter squash, apple and cabbage.

9. Make inexpensive side dishes. A pot of beans with spices and a bit of onion makes a good side dish for Mexican meals. Brown rice, bulgur, barley and almost any other grain can be cooked plainly and seasoned to taste with herbs, spices or lemon. Sauted zucchini is great for Mexican, Italian or Chinese. Potatoes cut into wedges, sprinkled with spices and baked like fries are dirt cheap. A sliced fresh apple or pear makes a nice, simple and refreshing side. Cauliflower "mashed potatoes", braised cabbage and raw veggies are all very easy. Compare the cost of any of those to one of those packaged instant side-in-a-box mixes and you save a lot of cash - and prevent eating a ton of junk!

10. WATER! Don't buy soda. Just don't. No diet, no generic, no flavored water. There's nothing in there that's good for you, and several things we know for a fact are bad for you. It's bad for your health, bad for your weight, bad for the environment and bad for your wallet! If you really want some for special occasions that's fine, but it shouldn't be part of every day.

11. Ditch the junk food. Replace name brand snacks with homemade alternatives. Instead of tortilla chips, cut your own whole wheat tortillas into chips, spray with nonstick spray and bake until crisp. Replace candy with frozen grapes, fruit, or at least smaller portions. Instead of salty snacks try cauliflower poppers, veggie sticks or Ak Mak crackers.

12. Check nutrition labels. If you don't understand half the ingredients, you probably don't need it. When considering fresh items, if they're the same price choose the healthier option. When buying lettuce choose leaf or romaine, iceburg has almost no nutritional value. When buying fruit choose more colorful varities. Always choose fresher items when you can, fresh is the best, then frozen, and last canned since canning destroys many nutrients and adds salt.