The Importance of Sharing Christmas Traditions With our Families

ince Christmas is near I thought I would stray off the frugal track just a bit and talk about something that is near and dear to my heart. While the idea of Christmas Traditions is in fact centuries old, it is an idea that has been growing in popularity lately as more families seek ways to connect and bring meaning to their Christmas.

The Importance of Sharing Christmas Traditions With our Families

ince Christmas is near I thought I would stray off the frugal track just a bit and talk about something that is near and dear to my heart. While the idea of Christmas Traditions is in fact centuries old, it is an idea that has been growing in popularity lately as more families seek ways to connect and bring meaning to their Christmas.

Frugal Camping Tips

It is summer time and one of our very favorite things to do in the summer it to take a camping trip. Camping trips do not have to cost you an arm and a leg, they can be one of the thriftiest vacations out there. Planning is key to a …

Fun Frugal Picnics to Share with Your Family

  Summer is for picnics, and what is more frugal than packing a lunch, gathering up some outdoor toys and heading to the lake for a picnic. But can picnics get boring? Perhaps if you pack the same old food and do the same old thing every time. If you …

Recent Articles:

Thrifty Dating

April 7, 2009 Daily Living 1 Comment

dateMany people like to go on a weekly or monthly ‘date’ with their spouse. This  can really be a great time to get away to connect, but the cost can really add up (especially with babysitters). What can you do? Do things that cost less & still have fun.

There are many levels of spending for this type of activity so I don’t know how much these tips can save you (since I don’t know what you’re spending now) If you’re not spending anything on this I can’t save you a dime, but maybe I can give you a few new ideas. Creativity & variety are so important when trying to be frugal.

Free (or almost)
Go to a library together & browse. By checking a book out to read you will gain a topic to discuss.

Does your hubby fish? If so, why not join him if you don’t already? A license in my state is about $15-$20 for a whole year. If you really don’t want to fish, you can still go with for company.

Check out a local High School schedule. You may find band concerts, choir concerts or sporting events~ all of which are still free here. (but stay away from concessions )

Go to a local Lake (or mountain) to watch the sunrise or sunset. Take a Thermos of coffee or cocoa & a snack.

Pack a picnic & enjoy a park.

Still cheap
See a matinee. If you skip the snacks, a couple can see a movie for about $10.00 where I live.

Any local deals? We have a concert association which charges $35 for a yearly pass. This gives you access to 6 concerts throughout the year. A family pass is only $60. That’s only $5-$6 per concert!

Do one of the above free items, and add a stop for a fancy coffee or a dessert.

Check for local free or greatly reduced events (like museum admissions, fee zoo days etc)

And lastly…what about the babysitting? Swap 1-2 days a month with a friend so you both can have some time away with your spouse.

Pic by: neona

4 Cheap Dinner Menus for $5 or less

family dinner Sorry I have not posted a blog post recently but I have been sick and really busy so it has been difficult to get much of anything done!

Today’s post was inspired by an old post at a message board I used to belong to. Back then these meals could feed a family of four for around a dollar. These days the cost of these meals will be a bit more.

Many of these meals are reasonably healthy meals (as opposed to macaroni and cheese and hotdogs) as super cheap meals go and while I like to stick with healthy foods for the most part there are going to be those days,weeks or months when it is more important to feed a hungry crew than anything else.

We have all been there: when payday is longer than the paycheck, or when someone gets laid off, sometimes you have to do what you have to do to keep people fed.

These meals are shared with that thought in mind, they are bottom dollar meals that will stretch your food budget as far as possible.

How low you are able to go dollar wise with these meals will greatly depend on the time of year, whether you grow a garden and where you live. Most people ought to be able to bring the cost of these menu’s down under 5$ for a family of 4 or 5. Enjoy!!!

While you are at it Anissa at Learning Together Hand in Hand is having a recipe swap Head on over and check it out!
Photobucket

First menu -Mexican

Bean Burritos
Mexican Rice
Cinnamon Crisps

You will be making the flour tortillas and refried beans ahead of time, so be sure to plan ahead as beans must be soaked and cooked.

Flour Tortillas
2C flour
1/3C shortening or lard
2 Tsp salt
1C warm water
In Food Processor, combine flour, salt, and shortening and drizzle in water until dough begins to stick together. Form dough into egg sized balls and let rest under cover for about 10 minutes. Roll out as then as possible and cook on dry griddle. One minute on each side. Makes about 24 thin tortillas, 12 gorditas.

Pinto beans (Low Fat version)
1 lb pinto beans
water to cover
Rinse dry beans and pick out any pebbles or bad beans (they will rise when the beans are covered with water). Bring to rapid boil on the stove and boil 10 minutes. Carefully drain off liquid and add fresh water. Return to stove and bring to rapid boil, then reduce heat to simmer and cook covered until a few beans peel when blown on lightly on a spoon, about 2-3 hours. Drain and refrigerate until ready to use. Makes about 4C cooked beans (or so).

To make Refried beans:
2C cooked pinto beans
1Tbsp shortening or lard
dash salt
Heat shortening or lard in skillet and add beans, mashing with potato masher and stir-frying until heated through and beans are thick (add a little water if necessary to thin down). Be sure to leave some beans whole. Sprinkle with salt and stir.
To assemble burritos, spread bean mixture on warm tortilla, sprinkle with grated cheese and roll up by folding two sides of tortilla and rolling lengthwise. You will need about 1/2C cheese for 4 burritos.

Mexican Rice
1C rice
1 large tomato, chopped fine
1 jalapeno pepper, chopped fine
2C water
In microwave safe covered casserole, pour 2C liquid over rice and vegetables and nuke for 15 minutes on high covered. When done, fluff with fork and serve.

Cinnamon Crisps
4 Flour tortillas
4 Tsp sugar
1 Tsp cinnamon (or to taste)
cooking oil
Cut tortillas into strips and deep fry in oil until lightly browned and crisp. Sprinkle while hot with cinnamon sugar. Serve warm with a drizzle of honey, if desired.

Menu Two – Italian

Beef Onion Soup
Stuffed Spinach Manicotti

Beef Onion Soup
1 lb beef bones
water
salt to taste
1 onion
Roast beef bones (shin, ankle…some butchers sell them as “dog bones” or save bones from your roasts) in a 400F oven on a cookie sheet until darkened and marrow is brown. Put in soup pot and cover with water. Bring to boil and simmer to form broth, skimming off any foam that forms. Remove bones and add salt to taste and onion, sliced. Simmer until onion is softened. Serve. (Or cheat and use 1 boullion cube and one cup of water per serving, plus onion).

Stuffed Spinach Manicotti

Make shells in advance-
2 eggs
2C flour
water
Place eggs and flour in food processor and whirl for about 15 seconds. Drizzle in water while processor runs until flour mixture resembles coarse meal and will stick together into a dough ball without sticking to your hands. Feed through pasta maker (or roll out) until you have a long narrow strip. Cut into pieces slightly larger than the handle of a broom is around. (I use a clean broom handle). Wrap dough pieces around handle and give a slight pinch to form a tube around the handle. Hang on back of chairs to dry at least one hour. Makes about 1 dozen or so.

Filling-
1 pkg frozen spinach, drained, cooked, and squeezed dry
1/2C cottage cheese
1 slice bread, crumbed in food processor
1 egg
Combine cheese, spinach and egg and bread crumbs, and stuff into partially dried manicotti and place in well greased baking dish. Makes enough filling for about 8. Cost: 80¢
Topping-
1/2C canned spaghetti sauce
Pour topping over manicotti lightly, and bake covered at 350F for 30 minutes or until bubbly.

Menu Three – Southern

Beans and Greens
Southern Cornbread

Beans


1 lb white beans (or your favorite: pintos, black eyed peas, butter beans, whatever)
1 end chunk of ham or ham hock
water
Cover beans with water and bring to boil, pour off water and add fresh and return to stove (or soak overnight and pour off before cooking). Place ham or ham hock in with the beans and bring back to boil, cover, and turn the heat down. Boil several hours until beans are cooked and meat begins to fall off the bone. Remove bones and skin, and lid and boil a few minutes longer to form “bean gravy”. Serve with chow-chow, sliced onion or other condiment. Makes enough for 4 people for AT LEAST two meals.

Greens

This is my way, not the Southern way. I think cooking them the Southern way makes them bitter…to do that you put them whole in the saucepan pan with bacon drippings and a little water and cook until lifeless.
6C uncooked greens of choice (turnip, mustard, collard, or mixed), with tough stems removed, roll up and cut into slivers
2-3 Tbsp butter
Melt butter in large skillet and stir-fry greens in the butter until color changes and heated through. Serve with a bit of malt vinegar, if desired. Makes about 6, 1/2C servings

Cornbread


1C self-rising flour
1C cornmeal
1 egg
2 Tbsp oil, melted shortening, melted butter, or bacon drippings (through the crumbled bacon in, if you’ve got it!)
buttermilk
Combine all ingredients with enough milk to make a medium batter. Pour into well greased and hot cast iron skillet, bake at 350F until done about 1/2 hour. Makes 8, 3″ wedges.

Meal Four – Vegetarian

Zucchini Casserole
Banana Cream Pie

Zucchini Casserole

3 medium zucchini, sliced
1 tbsp water
1 medium onion, sliced
1 clove garlic
1 can (28 oz)diced tomatoes and liquid, or two large tomatoes chopped, but not seeded plus 1/2C water
1 tsp dried basil
1/2 tsp oregano
1/2 tsp garlic salt
1/4 tsp pepper
1-1/2C dried bread cubes (good use for stale bread)
1 tsp oregano
1/2 tsp garlic salt
1/2C parmesan cheese
1/2C shredded mozzarella (optional)

In non-stick skillet, place water and zucchini, cook t minutes until tender. Add onion and garlic and cook for one minutes, stirring constantly. Add tomatoes and their liquid and spices, including first 1/2 Tsp garlic salt. Simmer, uncovered for 10 minutes. Place in ungreased 13 X 9 X 2 inch dish, top with bread cubes, sprinkle with oregano and second 1/2 tsp garlic salt, sprinkle on parmesan cheese and bake covered at 305F for 20 minutes. Uncover and top with mozzarella, return to oven until mozzarella melts, about 10 minutes. Serves 6-8.

Banana Cream Pie
3/4C+3 Tbsp (divided) sugar
1/3C flour
1/4 tsp salt
2C milk
3 eggs, separated
2 Tbsp butter or margarine
1 tsp vanilla extract
3 bananas
1 pastry shell
shell:
2C flour
1/3C shortening
dash salt
cold water

In Food Processor, whirl shortening and flour together until it looks like cornmeal (about 15 seconds). Drizzle in ice cold water until mixture begins to form a dough. Roll out thinly and line ungreased 9 inch pie pan, crimping edges decoratively.
filling:
In a saucepan, combine sugar, flour and salt. Add milk and mix until smooth. Cook over medium heat, stirring constantly until mixture thickens and it comes to a boil for two minutes (do no allow to scorch!) Remove from heat and stir in beaten egg yolks, slowly, by adding some hot liquid to the yolks and then pouring yolks into the hot mixture. Cook for two more minutes, stirring constantly, remove from the heat. Add butter and vanilla, cool slightly. Slice bananas into pie crust and pour filling over.
meringue:
Beat egg whites with an electric mixer until they form soft peaks, adding sugar gradually. Top pie with meringue being sure to spread to edges of crust. Bake at high heat 400F until meringue is set and l lightly browned. Makes 6-8 servings (Refrigerate any leftovers or if it will be served after reaching room temperature.) Cost: about 50¢ This pie recipe can be made without eggs, but will lose some richness. Suggest then that you cool it and top with non-dairy whipped topping instead of meringue.

Organizing Your Kitchen: In 5 Simple Ways

March 28, 2009 Menus No Comments

This is a guest post by Autumn from oldfashionedfamilies.com For more tips for your Kitchen stop by her blog at oldfashionedfamilies.info

kitchen Organizing your kitchen is one of the best time savers and believe it or not money savers too! Money saving you ask? Yes, and I will tell you why! Remember when you were searching high and low for those 2 cans of tuna that you just know you had and you simply could not find them? And then out of no where a couple days later you realized that they were back behind the can of chili, container of oatmeal and bag of rice? I bet you know where I am going with this. If your pantry, cupboards and freezer were simply organized a tad better you would be able to walk right to the item you were looking for, grab it and start or continue making dinner for your family. I am going to show you some easy tips and tricks to keep yourself, kitchen, pantry and freezers organized for you to save you time and money in the future!

Tip #1: Begin by creating an inventory of ALL of the items you have currently in your cupboards, pantry, fridge and freezer(s). There is an awesome site that has FREE templates for exactly this! A Virtuous Woman**www.avirtuouswoman.org** (just scroll half way down, on the left you will see Free Printables) Go ahead and print a couple for you, I use one per area, ie: cupboards, pantry, etc. While you are inventorying your areas, be sure to start organizing your items where and how you want them to be. Remember, organized is time saved and money saved! A special tip: Be sure to use pencil when creating your inventory lists!

Tip #2: After you have created your inventories on all of your areas in your kitchen (and/or freezer in your garage or basement) and you have organized all of your food items take note of what you do not have in those specific areas. Yes, here you can make your shopping list so you will know what you need come grocery day. And look! You already know what you currently have in your cupboards, freezer(s), pantry and fridge! No more buying a block of cheese, coming home to put it away and discovering there is a whole block of cheese never been opened! See the money savings already?

Tip #3: Dinner Menu’s are a great way to save time and money for yourself as well. Start out by grabbing another Free Printable from A Virtuous Woman**www.avirtuouswoman.org** (same place on website for Tip #1), grab your inventory lists, newspaper ads (from grocery stores) and any compilations of recipes for dinner (lunch, etc.) and go to town! Find a recipe that you would like to have for the week, check the local ads for sales specific to the ingredients in your recipe, check your inventory lists for specific items already at your home, and place it on your menu! Regardless if you choose to create a weekly, bi-weekly or monthly menu, you are still saving time and money!(Check out this post for more information on Dinner Menu’s**http://thriftyhearts.net/archive/category/menus/**)

Tip #4: As you are creating your monthly menu by utilizing your inventory lists, local grocery ads and recipes, create a grocery shopping list for yourself. (Saving time once again!) And if you by chance are like me and know exactly what aisle everything is huddled together in, you will be able to organize your shopping list to maximize your time and trip down each and every aisle. A special tip: Do not go down the aisles that you do not need to! If one of your items is not down there, turn around! (Money AND time saver!)

Tip #5: When you get home from your grocery shopping extravaganza, help your children and/or hubby with where each item goes, stacks, etc. This way each person in the family will know how the organizing system works and this helps to keep your areas nice and neat. And do not forget to inventory each item before it gets put away! This way as you cook through out the week you will be able to erase your item off your inventory sheet, or place the correct number of that specific item next to it. You will NEVER guess again whether or not you have that item somewhere in your home!

These 5 tips on organizing your kitchen will not only be a time and money saver for yourself, but also a stress saver! You will not have a care in the world when you are standing in aisle 8 at the grocery store wondering if you actually have that bag of rice at home for your Cheesy Broccoli and Rice meal because you know that by looking at your list you did not need ‘rice’ as it is not on there! Already you have a couple extra dollars, or $3.86 to be precise in YOUR pocket; not sitting on your pantry shelf because you’ve made this common mistake 2 or 3 times!

I hope you have enjoyed these tips on organizing your kitchen, now get to work! :)

Accumul8 Rewards With Eight O’Clock Coffee

Eight O’Clock Coffee now has it’s  own reward program.  To participate just go to www.eightoclock.com and register.  Every time you purchase a bag of Eight O’Clock coffee, just log into the site and enter the requested information off the bottom of the bag to earn your points.

Points are based on the size of the package:

11.5 oz – 12 oz packages earn 140 reward points

34.5 oz – 36 oz and 42 oz packages earn 420 points

You will also earn 100 reward points for the first code you enter and 35 bonus points for each person you refer who actually registers (there is a limit of 5 referrals for a total of 175 referral reward points total).

The prize list includes:

an online game download for 500 points

coupon for a free bag of coffee, plus a collectible mug for 700 points

$25.00 Restaurants.com gift certificate for 1000 points

$15.00 Magazine.com E-Gift Card for 1500 points

$25.00 Visa Gift Card for 2500 points

Register today at www.eightoclock.com

3 Top Pay To Click Sites

dollars Pay To click sites are becoming increasingly popular for people to earn a bit of extra money. It is also becoming a more popular way for websites and businesses to advertise.

Here is the lowdown on 3 Pay Per Click sites that just might be worth your time.

*Disclaimer*  Yes I have added my referral link to each of these Pay Per click sites, BUT I am also adding a direct link to the site if you would choose not to use the referral link that is OK. My purpose here is not to make money but simply to review these sites, but of course I am going to post my referral link wouldn’t you? Either way the choice is yours!!

Click Sense – This is the site most people are familiar with. Initial sign up with click sense is free. Once you register you can begin to click on ads, these ads claim to run from .01  to 5.00 but nobody I know has ever gotten one of the 5.00 clicks, the most I have ever heard of is .50.

There is a premium option that will cost you $10.00, and as I understand it this option pays out considerably more, but you can still earn cash by clicking for free. Many people really like the premium options and say it is well worth the upgrade.

Payout is in the form of a check sent direct to your home, you can request payment as early as $10 but with a three dollar processing fee it is advised that you wait. They pay out at the end of every month after you reach your payment threshold.

After sign up you will head to the log in page, and click on their browse ads. The clicks will come up on the window along with how much each click is worth. Once you click on an ad you are required to leave that window open for 30 seconds. Once the 30 seconds is up then you can click on the link at the top of the window and receive your credit.

It does not seem like much but those pennies add up over time, and these guys do pay out. It is not a lot of effort for a pennie and when you combine it with other pay to click and pay to search programs it can all add up pretty fast.

My affiliate link http://www.clixsense.com/?2736899

Direct link to their site http//www.clixsense.com

Sunshine Rewards – A bit different that Click Sense in that it is a loyalty program that pays you for reading emails, surveys and shopping as well as visiting websites.I do not have a whole lot of experience with this program just yet, but a lot of people love it. Pay out is in the form gift cards, Pay pal or Disney Dollars, and you must reach $10 for gift cards, and $20 for the other two.

Sunshine rewards gives you a lot more chances to earn, but it may take you a bit more time to access those earnings. In addition to giving you points for shopping at some of your favorite merchants, Sunshine rewards offers surveys from Greenfield OTX both well known in the survey world.

Trial offers are also a popular offer at Sunshine rewards such as Netflix. Each programs payout varies widely you can earn anywhere from .01 up to $10 or $20 depending on the offers you complete.

Cashout with these guys can be requested at anytime, but you must have a minimum of $10 in your account, and you must have been a member for 45 days.

My Referral link – http://www.sunshinerewards.com/signup.php?r=14334

Direct Link – http://www.sunshinrewards.com

YouData – This company is new to the pay to click world, but they show a lot of promise. I have been a member there for just 3 days and have already earned $4. They pay out every week to PayPal and have no payment threshold so you get paid regardless of what you earn. The biggest drawback to the program right now, is there are not a lot of clicks since they are new. People have reported receiving payouts from them however, so they are for real.

Once you sign up you are asked to fill out a profile, this assists them in assigning ads to you. Once it is complete you click on the adgets page which is where you will find your ads. You have 2 choices at this point you can download an Adobe Air application to your desktop to serve up ads, or you can visit their site a few times a day to check up on ads.

One tip, there is a slider bar that allows you to donate to your favorite website or charity, if you do not wish to donate be sure the move that bar all the way to the left.

My referral link http://www.youdata.com/join/thriftymom63

Direct Link http://www.youdata.com

Again please do not feel obligated to sign up under my referral it is only there for those who wish to do so. This post is informational only and meant to help moms out there who wish to make a bit of extra income to help their families out.

Tomorrow paid to search programs!