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Can Freezer Cooking Save Money?

Monday, March 9th, 2009

Contributed by: FrankRyan owner of the website CookToSave.com

There are three popular methods of freezer cooking that can save a family money.  There are many benefits to freezer cooking.  Some benefits include preserving perishables and reducing waste, having ready-made meals in your freezer when you are tempted to order out, and maximizing time with the family by cooking less often.  Fully cooked meals can maintain their texture and taste in the freezer for up to three months.  Uncooked, ready to go meals, like marinated meat can be frozen without degradation for up to six months.  Different methods can optimize for busy schedules or tight budgets and any family can find benefits in one of the methods mentioned below.

Once a Month Cooking, also known as, OAMC is a way of making meals ahead of time and freezing them for later use.  There are several ways to adopt this system into your family.  The phrase once a month cooking was made famous by a book entitled Once-A-Month-Cooking by Lagerborg and Wilson.  Their book is worth a buy at Amazon for beginners, the information inside is valuable to anyone looking into getting involved in this type of cooking schedule.   OAMC, in its purest form, involves a family preparing 30 meals within one weekend each month, or mini-sessions where 14 meals are made in one day.  The benefits are having only one weekend of dirty pots to clean and a highly detailed dinner schedule.  For the family that eats take-out regularly or is rushed to find time for dinner, this is an excellent program.

Another method of freezer cooking is for seasoned deal seekers.  “Assembly Line” cooking, as seen on websites like www.cooktosave.com, takes perishable loss leaders from your local grocery store and assembles them into several meals in one day to be enjoyed or prepared for another day.  Assembly Line cooking turns your kitchen into a family assembly line.  Examples are finding over-ripe bananas at the store for less than $0.25 a pound and turning them into 30 chocolate covered frozen banana popsicles,  buying 20 pounds of pork loin at $1.67/lb and making breakfast sausage, burritos, kebobs, steaks, and Weiner schnitzel.    For the family that likes buying large quantities of loss leaders and getting the best price for their meals, this is their perfect match.

The third and easiest method of freezer cooking is called “Feed the Freezer”.  These ideas incorporate making double or triple the amount you usually make for dinner and putting the additional meals away in the freezer for a later date.  When planning to make lasagnas, stuffed shells, chili’s, or other easy to freeze casseroles, make two or three dinners instead of one and freeze the additional dinners.  Try searching any recipe site on the internet, like www.allrecipes.com for the keyword “OAMC”, to find recipes that are freezer friendly.   For the family that wants to make their food dollar stretch a little more than usual and have one of two meals in their freezer this is an easy adoptive plan.

However a family chooses to adopt a make ahead style of cooking, there are savings to be had.   An extra stand-alone freezer in your home can save $1,000 or more per year on a family food budget.



Interview with Hotcouponworld owner Julie Parrish at The Budget Smart Girl’s Guide to the Universe

Thursday, February 19th, 2009

Julie Parrish, co-owner of Hotcouponworld was interviewed by budgetsmartgirl over at The Budget Smart Girl’s Guide to the Universe

Check Out This “Hot” Coupon Site

You know I love using coupons so when I heard about Hot Coupon World, www.hotcouponworld.com I had to check it out. For me, navigating the site was a bit like being the kid back the candy store again. You’ll definitely want to check it out and spend some time there. And don’t forget to sign up for the newsletter. To help you get the most out of your first visit, co-founder Julie Parrish shares some secrets not only about Hot Coupon World, but being a couponer too.

Budget Smart Girl (BSG)-How did the site get started and how did you meet your other co-founder Heidi Kennedy?
Julie Parrish (JP)-Heidi and I met online at another deals website six years ago. We were members there and when that site closed the grocery section of its community, we landed on another site where we were moderators. Eventually, that site was sold. We were tired of bouncing around so I messaged her for her phone number and called her. We’d never spoken over the phone before and so she was a bit surprised when I said I think we should open our own site – by couponers, for couponers. So we agreed that I’d fund it and she’d manage it. We opened up with 176 members we’d been online with from previous sites, and in just a few years, we’ve registered over 120,000 people. To this day, nearly 6 years after “meeting” online, we still have yet to meet in person.

BSG-The Web site is great. If I’m a new visitor, where should I start?
JP-On the footer of every page are links to get started. There’s a link for those who are completely new that has a page with our most important forums. There’s also a link to all the abbreviations and acronyms one is going to encounter on the site. It’s a good idea to get in there and look through those so you don’t feel completely lost. There’s also a link about how to join the trader group on our site. That’s where all the fast and furious wheeling and dealing happens as people from across the country swap coupons with each other.

BSG-You have forums, groups, chats…some people are shy about chatting with complete strangers online. How can you encourage people to get involved online, what resources are they going to find in the forums and chat groups?
JP-First off, we have the friendliest forum on the web. Hopping into a social networking community can be downright cutthroat because if you’re new to a topic and you join a group, I’m always amazed at how many sites out there treat new people badly. My favorite expression on sites I’ve joined where I asked a “stupid” question is RTFM. Well, no one wants to be treated like that. You wouldn’t treat someone like that in person who asked you a question that might seem self-explanatory. The reality is, not everyone is going to come to the party with the same level of expertise. So we’ve really made it our policy that there are no stupid questions. The person asking doesn’t know that 100 other people have asked the same question. It’s new terrain to them and we should treat them as such. We encourage people to hop into our “welcome wagon” thread and introduce themselves. It’s not unusual for people to hop right in and welcome the new member. We also have an open door policy where people can email or private message us through the board. And you don’t get a form letter back. There’s a team of us that personally answer all the emails we get. We don’t like getting auto-responder emails when we need help so we want to make sure someone gets a real person on the other end.
Resources in the forums are vast. First there’s the deal info. A member will find the weekly sales circular from nearly every chain grocery store in the country are matched each week to all the manufacturer’s coupons so they know what the best deal going into the store each week is. There’s a coupon trading section where members swap coupons. So if you need coupons for dog food and someone else needs coupons for diapers and you each have what the other person wants, you swap them via postal mail so you get them in time for a sale. Multiple coupons mean multiplied savings. There are also recipes, a place to ask finance questions, online coupon codes, printable coupons, survey site signups and even a place to have off-topic conversations about life, kids, politics and more. Best of all, our members are really great about rallying around each other in times of need.
The chatting with strangers thing can be scary for some. We encourage our members to be safe about their user name, about giving personal information out, and limiting their interactions to just coupon talk if they aren’t comfortable with sharing more. Internet safety is a big deal to us.

BSG-You also have articles on the site. Can anyone share their tips?
JP-The articles section is a new feature for us. We have a few people contributing to them and we’d like to expand that. Truth be told, we’re not tech people or web designers so we’re struggling a bit to get the home page the way we want it, but at some point, when we do, we’re going to really open that wide up because when all’s said and done, we don’t have to have all the answers. Our members are such smart people. They have tons of their own tips, tricks and ideas that we’d be foolish not to give them a platform to share their knowledge with their peers online.

BSG-Any insider tricks for finding coupons, places most of us don’t think about looking?
JP-I love watching people shop because when they do, most of them walk by some of the best coupons you’ll find out there. It’s like shoppers are desensitized to the experience and they’re just there to get the mayo and milk and leave. I always encourage new couponers to walk around the store one time and put nothing in their cart. Walk through the store with fresh eyes and don’t look at the products themselves, look at the store set up. It’s like an optical illusion. Suddenly you don’t see the products – you see this sea of coupons. They’re attached the shelves. They’re attached to products. They’re hanging around the necks of bottles. They’re inside the freezer case. They’re in the little black blinkie boxes. They’re at the cash register, the customer service desk, and the paper racks at the front of the store. They’re on free standing displays and in the produce section and laying freestanding on shelves. I’ve even seen them taped to products hanging on strip clips (those little hanging clips that have products attached vertically on the ends of the aisles). And these coupons tend to sit there and expire because no one sees them. So walk through the store one time without buying anything and play “I spy” and you’ll be amazed how many coupons you find. They tend to be higher value than the Sunday paper, and they have longer expiration dates. But remember, take what you can use or trade and leave a few just in case for someone else who might figure out the hidden treasure hiding in the store.

BSG-Many coupons are found in the Sunday newspapers and women’s magazines, lots of people are dropping subscriptions to these publications. Is there a way to find those same coupons any place else?
JP-Sometimes the insert coupons can be found in the free version of the paper that goes out. So in our areas, once a week, all the store ads go out for free in a subset of the Oregonian. I find inserts in there. We have a lot of members on the site who have done everything from make deals with convenience stores to pick them up when the Sunday paper gets recycled, to “dumpster dive” in a recycle bin for multiple inserts. I’ve also seen people find extras from other people on Craigslist. I get them from family, friends, and neighbors. My husband’s grandmother even mails me hers from Rhode Island. Hotels are another good source because if they give out the local paper, on Sundays, they are just laying around the lobby because no one wants “the junk”. Starbucks and McDonalds – same theory applies. So I’ve had lots of luck there snagging extras that would otherwise get recycled.
And then printable coupons have come a long way. In our coupon database, we have tons of links to printable coupons and some of those are higher value than their printed counterparts that are in the Sunday paper.

BSG-More people are turning to coupons now. If you’re a beginner what tips can you offer them?
JP-Start slowly and don’t get overwhelmed. It’s easy to feel at first that you’re not making progress but it takes time to build an arsenal of coupons so that you can start matching the coupons to sales. Don’t chase every deal at once. Even though we match the deals and coupons for you and you can see what the deal is, pick one thing to chase in a given week and stockpile it. So, if toothpaste and peanut butter are both on sale, don’t kill yourself trying to get both. Pick the one that’s most important to building up a stock at home and chase that deal first. Then, if you have time left over before the sale ends, go get the other deal.
I would also say to slowly add rebates. Those can be overwhelming as well. You need to be really detail oriented with rebates because of the requirements to fulfill them (upc codes, receipts, forms) and the dates can come and go quickly for them. But once you’ve mastered deal hunting, rebates are good to add into the mix because there are lots of opportunities for good freebies.
And then ask questions. We want couponers to be legitimate about how they redeem coupons. There are lots of scams out there and it can be confusing. So don’t be afraid to ask. We’ll try to get you the right answer. Be sure to talk to your store managers at the stores you shop at and learn their coupon policies so you don’t run into issues in the checkout line. Nothing will turn off a new coupon shopper faster than having been made to feel embarrassed about using coupons. Be organized, be prepared, and get through the line quickly and you’ll do just fine.

BSG-You also have a site dedicated to organic and natural food coupons. www.organicgrocerydeals.com Did you get lots of requests for these products does it get more hits now? And are you seeing more organic manufacturers offering coupons?
JP-Organic manufacturers are well behind traditional manufacturers in their efforts to use coupons to market their products. I think there’s a thought out there among the organic manufacturers that they don’t have to use that as a discount strategy. In fact, a friend of mine is the food scientist for a very well-known producer and he was stunned when we talked couponing and why they should look at changing their marketing mix. It had never crossed their minds that their customers wouldn’t just walk up and pay full retail for the products. The problem is, about 10% of shoppers might be willing to do just that. But there’s 90% who need to be incented to try the products, and coupons do just that. There’s also a large part of the population that can’t afford to be 100% organic. So they are going to be even more inclined to buy and stick with a brand that uses coupons to discount the products. Lots of people want to go “green” but it’s expensive and many people have to choose what steps they make to go green. Our site is really designed for those people who are making incremental changes in their lives and don’t want to be judged because they still buy Fruit Loops. Organic Grocery Deals has been slower to take off, but it’s starting to increase in membership and page views because the information is very high quality, the members are non-judgmental, and we try to take a lot of the green-washing of organic and peel it away for folks to make educated decisions about what they’re buying.

BSG-Please feel free to add anything else about yourself, Heidi, the site/coupons or any other plans you have for the future.
JP-We’ve really been blessed both Heidi and I. We’ve been blessed in finding each other in the vast sea of people online. It’s like having a long lost sister. But we’ve also been blessed in learning how to coupon for our own families. I’ve saved and average of $11,000 per year over the past six years and that money really adds up. It lets us do things we wouldn’t have been able to do, including starting the websites.

As to plans for the future….
We’re working on building out our team. We’ve gotten to the point where two of us can’t manage this by ourselves and it’s time to bring on some help. Ultimately, the five-year plan is to have a network of sites dedicated to helping people economize their lives and save money. We want people to be smart with the resources they have. For us, that’s going to extend past coupon information into some other areas. We have a few other sites in the works right now. We’d really like to find a way to give back to our members as well, so there’s a project in beta right now that’s attempting to do just that. If it works like we hope it can, it will mean we can help monetize our members, which is going to be really exciting. We couldn’t ask for a better job than knowing that every day we get to help people change their lives by helping them be smarter shoppers.



How Does Your Garden Grow?

Wednesday, February 11th, 2009

Photo Credit: Julie ParrishIt’s still bitterly cold out. Snow is piled high. However, beneath all that wintry mess, the first green shoots of spring are beginning to awaken.

It is hard to imagine that in just a couple of months, we will be enjoying a beautiful spring, but it’s really just right around the corner. It’s time to start thinking about your spring and summer garden, and if you start early, you can have a bountiful harvest for next to nothing. With the economy so poor and the prospect for improvement almost non-existent, you are going to need a garden this summer to supplement your grocery budget. Gardening brings immense fulfillment and joy, and your whole family can get in on the action. It costs very little to get started, and your minimal investment payoff is huge! Little ones will love tending to their own plants and guess what - it’s a great way to get finicky eaters to try something new if they’ve grown it and it’s ‘theirs’. Gardening can be therapeutic too. There is nothing better than sinking your hands deep into the soil and working your frustrations out!

You won’t want to plant anything until after the last frost, but you can start seeds inside now and have some beautiful, hardy seedlings to put out come planting time. To get started, you will need:

  • A sunny window, or windows, if you’re feeling ambitious
  • Empty egg cartons with a small hole in the bottom for drainage
  • Potting soil
  • Your favorite veggie seeds

The easiest vegetables to grow are tomatoes, but peppers, okra, and peas are possibilities as well. Check with your local nursery to find the varieties best suited to your area.

You should allow approximately 6 weeks for your seedlings to germinate and grow. During the last couple of weeks, bring your seedlings outside during the day or even overnight if the temperature isn’t dropping below freezing. Getting your plants acclimated to the outside gradually is very important. Putting them in the ground outside without acclimating them will shock the plants and possibly kill them. Do not transplant your seedlings until after the last frost has passed.

While you wait for your seedlings to mature, you will prepare your garden. Till the soil using a hoe or, depending on the size of the area you are cultivating and the hardness of the ground, you may have better luck with a rented tiller. We have a 100 sq ft area, and I have to confess that we love our tiller. When you are tilling, you can treat your garden to any number of soil additives to make it a better growing environment for your plants. If you have a compost heap, this is a great time to make use of it. It is a little known fact that used coffee grounds are a fabulous fertilizer, so if you start saving your grounds now, you’ll be set when you get ready to plant. If you aren’t sure what you need, consult the local nursery to find out what works best for your area. The folks at the nursery are a treasure trove of information, and one you should definitely take advantage of.

If you don’t want to plant an in ground garden, don’t despair! Many a fine tomato has been cultivated in a container garden. Container gardens are perfect for those who don’t have the time or space for a large garden. You are really only limited by your imagination when it comes to the containers you use. Planter boxes, large pots, bathtubs, barrels, and even hanging baskets make great containers. You don’t have to spend a lot of money to find some great containers - check out yard sales, thrift shops, and the Goodwill - often you’ll find ceramic pots for next to nothing, and who knows? You might happen upon a claw foot tub for your goodies!



Save money on movies - join a movies to your mailbox service

Friday, February 6th, 2009

I took my kids to the movies tonight.  We don’t do it all that often, except lately, there have been some really good kids movies out, so we indulged and went to see the new movie Coraline that came out today. Movies provide a nice escape from all the bad news on television and the misery of the economy.  That is, until they ask you for your money at the ticket stand.  I about fell over when the woman told me a matinee film for three kids and one adult was going to be $43.00 - and that didn’t include concessions!  I grumbled and put my Visa on the counter, but I was none-to-pleased about the whole thing.  The movie was delightful, but not $43 dollars worth of delightful.

I still like the escapist quality of watching movies, but anymore, it’s too expensive to go out to a movie.  And even renting isn’t cheap.  Blockbuster by my house is now over $5.00 to rent one movie.  Still, it’s better than $43 at the theater. But even better is the online home delivery services like Blockbuster.com or Netflix.  For a fraction of the cost of renting in the store, and for a pittance of watching a movie at the theater, getting movies delivered to your home is by far the best way to consume new movies that come out on DVD.

We personally use Blockbuster.com’s home delivery service.  I get 3 movies per checkout - the movies are usually there in a day, I can keep them as long as I want, and when I return them, I can take them to a Blockbuster in my area and turn then in for more rentals.  Cost of the premium service is $19.99 a month, so if you watch more than a movie a week, this is a great option for you. They do have even smaller plans that don’t include all the bells and whistles starting at $8.99, which pays for itself in just two rentals. And right now, Blockbuster is running a two-week free trial offer to test drive the service for free.  That means you can get at least six movied rented free in the two-week trial.  What I like about Blockbuster is that the online movie inventory includes many older titles you won’t find in the stores.

Blockbuster’s big competitor in the space in Netflix.  While I haven’t personally used it, my siblings have and really liked it. They too are offering a free trial for two weeks, and their plans start as low as $4.99 and go up from there.

No matter which service you choose, either way,  home movie delivery service is cheaper than going out to the movie theater, particularly if you don’t mind waiting for the new releases to make it to DVD.  I couldn’t resist taking the kids to Coraline.  It was made here locally, the world premiere was here last night, and so there was quite a bit of hype around it in my area.  But I could have waited and would have saved myself a bundle getting it through our mail instead.

If you’re spending a lot of money of video rental fees and late charges for movies, now might just be the best time to sign up for Netflix or Blockbuster.  Add in some microwave popcorn you get for free with coupons, and family movie night just went from hugely expensive and unrealistic cost, into a managable recurring cost for home entertainment.



How Come The Money’s Gone Before the Month’s Out?

Friday, January 23rd, 2009

Also Known as “I KNOW I don’t spend that much money!!”

So we’re all about to get into the thick of tax season, right? If that’s not tough enough on a body by itself, it normally also gets us thinking about ways we can be trimming the excess in our budgets, especially if you’re like my family and actually have to pay the government AGAIN.

Ok, nope, this is NOT a rant about the IRS, though you can probably find one of those on HotCouponWorld.com’s Hot Under The Collar section. THIS article is about keeping track of where you spend your hard earned dollars so that you don’t end up at the end of month wondering where in the world all your dollars went. Before you can cut your expenses, you need to know exactly how you spend your money.

Whether you are tech-savvy or not, here are a couple of methods for keeping track of your daily expenditures.

First, there is the time-tested method of keeping your receipts. Easy enough to do, but at the end of the month, it requires that you add everything up to see where everything went. If you go with this method, then you need to have a place to put your receipts that will keep them out of the way in your home and you need a filing system to organize your receipts.

If you are using this method, you need to pick up an envelope-type coupon organizer at the dollar store. You can carry that around with you and immediately file your receipt away as soon as you get it. Then once a week or more often if you are so inclined, enter your receipts into your books at home. Programs like Quicken will help you out a bunch. Once a month or so, go through the organizer and make sure you have all receipts entered, then empty the organizer. Find yourself a shoebox and file them away-just make sure you do keep them somewhere for tax (and REBATE!) purposes. Your task will look much less daunting if you only have a few days or a couple of weeks’ worth of receipts than if you have 3 months’ worth.

The Neat Company has a really cool tool called NeatReceipts. Check it out at www.neatreceipts.com. NeatReceipts is a mobile scanner that inputs your receipts. It categorizes your expenses. It keeps digital copies of your receipts for tax time too. This program has a tool that will extract information directly into Quicken, TurboTax, Excel, or QuickBooks. Talk about doing all the work for you! You can save 50% on a Neat Receipt scanner at Amazon for just $124.99 - a savings of $75 over the regular price of $199.

If you don’t have the money to spend on Quicken or something similar, search for free budgeting tools. There are plenty of offline downloads to help you keep track of your expenditures. The downside to some of these programs is that they require you to have the discipline to sit down periodically and enter your receipts or transactions and categorize them yourself, which I am not able to do. I get tired of all the receipts around my house and throw them all in a box, lock, stock and barrel. However, if you can keep up with all of that, these programs can and will work for you.

If you don’t want to deal with each individual receipt and you just need an overview of your budget and how you spend your money, check out www.mint.com. Mint is a neat little program that hooks to your bank account and automatically categorizes your spending from the moment the money leaves your bank account. You can find discussion about mint.com on the Hot Finance Discussion section of HotCouponWorld.

Mint takes a comprehensive look at all of your bank accounts and if you wish, credit card accounts. Year to date info is available at the click of a mouse, and the program shows you your spending trends as well. Using my custom budget that I created on Mint, I can tell at any time how much of my grocery/clothing/fuel/entertainment money I’ve spent. Oh, and if you have a dangerously low balance, Mint emails you to let you know.

All you need to get started is one of your checks, a credit card statement, and statements from any other accounts that you might want to incorporate.

You don’t have to worry about hacking on this website either, or selling your information to other companies. The information you give them is encrypted, and they specifically state that they do not share your information with outside companies. I’ve been a member of Mint for months, and I haven’t gotten any junk mail or spam from them at all.

And, I can tell you that I spend WAY too much on joe.



The Economy’s Tough - But Rapid Refund Loans are Tougher

Sunday, January 18th, 2009

Tax season is upon us, and really, it’s one of my favorite times of year, even if I owe money to the IRS.  I know, that sounds strange, but it gives me a chance to clean through a ton of paper, file, and organize my house a bit.  Plus, in the years I get refunds, I like tearing through it to get my refund quickly and put it to good use.

One thing I don’t do no matter how badly I want/need my refund is to use a tax service that advances me my refund.  Here’s why….

The “rapid refund” type services are in the business of making money by taking a percentage of your refund as a loan fee for service.  It goes without saying then that there are some services out there that are going to find ways to get you the largest refund out there they can, and some have been known to use unscrupulous tactics to do it, leaving you open to an IRS audit.  The more they “find” you, the higher their cut of your tax refund.

If you can file in a quick enough manner using a reputable service like Turbo Tax, and you have it set up to electronically deposit your funds into a checking account, you can receive your tax return from the feds in as little as 9 business days.  When all’s said and done, even if you’re facing a tough time with money, waiting that few extra days can save you as much as 10-20% in loan fees, keeping all the money in your pocket.  Turbo Tax is free to e-file your Federal taxes if you have a very basic tax return, and if you wind up having to upgrade to a paid version, the money you’ll spend will still be cheaper than the refund loan.

Even worse are the refund loans that front loads the balance on a pre-paid Mastercard.  HR Block, whose Tax Cut software is similar and comparable to Turbo Tax, offers the pre-paid Masercard as an option for getting their Refund Anticipation Loan product.  The fine print is that there may be additional fees on top of the loan fees.  So if you feel you have no choice but to go down the refund loan path to get your tax return this year, don’t let anyone talk you into the pre-paid Mastercard option - it will only eat even more of your hard-earned money.

Ultimately, you need to do what’s best for your family.  But the technology and software available to do your own taxes and get a rapid return on your own has cut the tax return process down to less than two weeks for most federal filers (your state return could take longer).  If you need to do the refund loan option, stick with a reputable firm and not a fly-by-night outfit.  HR Block might be your better choice.  But if you can hang tight for the money, you’ll do better in the long run by filing on your own and waiting the few days for the IRS to direct deposit your funds. You’ll save several hundred much needed dollars that can go a long way towards paying bills or buying much-needed household purchases.

Our top three choices for do-it-yourself tax software:

Turbo Tax

HR Block’s Tax Cut

Free Tax Usa

For more information about tax filing for 2008, go to www.irs.gov.



Save Money On Ground Beef

Wednesday, January 14th, 2009

The prices of ground beef can be pretty high with non-sale prices in some areas as high as $5.00 a pound. Good sales can be few and far between but if you are willing to put a little effort into saving on meat you can shave some of the cost on ground beef.

1. Invest in a meat grinder. You can find a hand cranked meat grinder for about $30 retail or if you have a Kitchen-Aid stand mixer you can purchase a very nice meat grinding attachment for about the same price. Also check thrift stores, consignment shops and eBay for a deal on used meat grinders.

2. Watch for rock bottom prices on whole cuts of meat. This week my local store had rump roasts for $1.99 a lb. which was much cheaper than the $3.99 for pre-ground beef.

3. Purchase whole cuts of beef in bulk as your budget allows. With the sale price of $1.99 I went ahead and bought 3 large roasts at around 5 pounds each.

4. Grind your meat and package for freezing. First cut your meat into chunks small enough to fit in the grinder and follow the manufacture instructions and grind it up. The instructions for the Kitchen-Aid attachment says to grind the meat twice. Then package your meat for future use. Use quality freezer bags, vacuum sealer bags, or freezer containers to freeze your raw hamburger meat. For easy meals you may wish to brown some ground beef and freeze crumbled unseasoned or seasoned (think taco meat) for meals. Additionally you can pre-make meatballs and meatloaf too and freeze it for easy meal preparation.

In all grinding and packaging your own beef only takes 20-30 minutes and can the cost of the meat grinder can easily be recouped after just a few pounds of grind at home beef!



Preparing for the holidays a year in advance

Monday, January 12th, 2009

Frugal shoppers know that the best time to get a deal on holiday items is to purchase them after the holidays are over and save them for next year. You can pocket some major savings by thinking ahead and saving 50-70% or more on holiday items now rather than paying full price for them right before the holidays.

The biggest after holiday savings is seen after the Christmas holiday. Retailers usually put all holiday merchandise at 50% off the day after Christmas and you will usually see 75% a week or two later. Some retailers will do further markdowns just to move the merchandise off the shelves to make room for Valentine’s items.

Look for deals on items like wrapping paper, gift bags, tissue paper, gift tags, holiday lights, festive decorations, potted poinsettias and other potted holiday plants. Holiday gift sets and baskets can be a great bargain. This year, I picked up Yankee Candle gift baskets online at 50% off retail. They make great gifts later in the year for teachers, friends, and family members. Other holiday goodies worth watching for include holiday cards, napkins, paper plates, Ziploc baggies with holiday designs, candy, and candles.

Most people don’t know they can negotiate with the store manager for further markdowns. At one of my local grocery stores they put all of the holiday clearance in shopping carts and park them near the front store entrance. I’m not shy about asking the store manager what kind of deal he can make me if I purchase the entire basket full of merchandise.  I’ve walked out with hundreds of dollars worth of products for a mere $20 for the entire cart.

Christmas is not the only holiday that offers great post-holiday savings. Each major holiday is a great time to stock up on items to use the following year. Valentine’s Day, Saint Patrick’s Day, Easter, Fourth of July, Halloween and Thanksgiving all provide a great opportunity to save money.

Storing your post holiday bargains is an important thing to remember because poor storage can result in melted candy or forgotten gift items. Here’s some helpful tips for storage:

* Freeze all candy that could possibly melt like chocolate. All other food candy such as jelly beans or valentine heart candies should be put into zipper bags with as much air removed as possible. Most candy has a very long shelf life and should be just fine the next year.

* Holiday wraps and decorations should be stored with your other holiday items in a cool dry place such as a garage or basement.

* How you store gift items will depend on when you plan on giving them. Gifts you plan on giving the following year should be stored with your holiday decorations so that you will remember them the following year. Label your storage containers with the holiday name and contents on the outside so you know what is inside.

* For gifts that you planning on giving year round (think gift baskets of coffee, tea and spa type items) set yourself up with a gift closet, cupboard or chest so that you have your gifts at hand for any occasion that arises.

Putting aside a small amount of money to stockpile holiday gifts and items after the holiday is a smart way to save lots of money and be prepared ahead of time saving you less stress next year.



The Skinny on Getting Fit

Saturday, January 10th, 2009

Last week I gave you some ideas to help you keep your finances healthy through the New Year, and this week I’ve got some tips to keep your body humming along too.

A full 30% of Americans resolve to lose weight in the New Year.  If keeping that resolution were easy, we wouldn’t be at the top of the list in worldwide obesity.   Let’s throw out those worn out excuses, and find some inexpensive options to help you keep your resolve this year.

I don’t have the money for healthy food.   Yep, I know things are tight.  And I do know that organic, fresh food can sometimes seem out of reach.  But there some economic alternatives for the frugal consumer.

* Check your local farmer’s market.  Not only do you find local harvest there, but they oftentimes have a bumps and bruises section in the market where they keep items that are still consumable, but just not as attractive as the other produce.  It might be the apple with a slight bruise or the funny-looking bell pepper, but these items are super deals that allow you to eat frugally and well.

* Be willing to work a little with your produce.  Buying your items in the hull or with the peels still on (in the case of carrots) will cost you a little time, but you’ll save big bucks at the checkout.  Already prepped produce is a super time-saver, but by putting in a little elbow grease and time yourself, you’ll save money.

* Eat what’s in season.  Apples are great right now.  Oranges too.  All kinds of greens can be found for reasonable prices.  Winter squash won’t bust your budget either.  And don’t be afraid to try something new.  There are some great recipes on hotcouponworld.com for preparing your new find, and if you don’t see something that whets your appetite, ask away!  With close to 110,000 members, Hotcouponworld folks are happy to help you prepare those new veggies and fruits.

Ok, so we’ve got the fruits and veggies, but what about meat?  No way can I afford $5/lb for meat! Here is where investing a little time in you comes in again.  You are worth it!  Put your frugal hat on, and get cracking, checking sale ads.  If you don’t get the newspaper or your ads aren’t delivered in your mailbox before the sales start, don’t worry.  You can access store ads and good deal alerts on hotcouponworld.com!

* Boneless skinless chicken is a great meat to eat on your diet.  It’s so versatile, you can prepare it a ton of different ways.  This time of year, savvy stores will run buy one, get one specials to get you in the store.  But here’s where we take it a step further – and these tips apply to all fresh meat products you’ll need.

* Find out what brands of meat your store carries.  These companies may put out coupons for their products!  Check out the Hotcouponworld Coupon Database.  Enter the brand that you’re looking for to see what coupons are available.  Combine your coupons with a buy-one-get-one sale, and you’ve got a super meal at a rock-bottom price.  When you find the deal, stock up!

* Check to see when your store marks down meats.  These meats are still good for consumption, but they are nearing their ‘sell-by’ date.  Meat IS still good after that date, but you must eat it immediately or freeze for later use.  It’s not uncommon to see packages of meat marked down by $2 or more, making them a super deal!

Hey, these are good ideas! Is there a way to cut prices on bread too?  Absolutely.  There are coupons out most of the time for whole grain sliced bread, so check the coupon database at hotcouponworld.com for your favorite brands.  If you’re an artisan bread fan, check your local bakeries and the bakeries in the grocery for marked down items.  Again, these are still good for consumption; they may have been a leftover package from the day before, or perhaps they were in the oven a bit too long.  But they’ll normally be anywhere from 50-75% off the regular price.  When you find something you like, stock up on it.  Bread freezes wonderfully.

Like I said before, I know times are tough for many of you right now.  But that’s no excuse not to treat your body and your family right, feeding them with good healthy food to nourish them, body and soul.  On a limited budget, and with a little effort and forethought, you can afford those healthy foods that will help you and your family to keep those weight loss resolutions.   Get shopping, and good luck!



Pinching Pennies – An Everyday Resolution

Sunday, January 4th, 2009

Did you make a resolution this year?  If you did, how’s it working for you?  I made one, and I’m going to keep it!  I’ve got a secret - it’s the same resolution I’ve made for the last five years, and I’ve kept it every year.    

I resolved to manage my money to the very best of my ability, providing my family with the very best I can while saving for the rainy day that we all will see one day. 

I think New Year’s resolutions fail mainly because they are often HUGE changes in our lives, hard to maintain and depriving us of comfort and enjoyment.  For that reason, I have made some very subtle changes which when you combine them, make a big difference in our household bottom line.  There are some really simple things you can do to save money in 2009 without feeling deprived.

 If you’re like my family, a huge portion of your monthly expense is your utilities. You need to reduce that bill as much as possible, but still keep warm during the winter months and cool in the summer. The first thing I did was to call my power company and request an energy audit. Most companies provide this service for free, and they will send someone out to look at your power/gas consumption and make suggestions to lower your bill. Additionally, studies have shown that you can reduce your heating bill by 10% if you lower your thermostat 5 degrees at night and 10 degrees when you are not home. If heating is half of your power bill, and your bill normally runs $200 in the winter, you’ll save $10/month just making a small change in temperature.

 When you wash your clothes, use cold water. We do so much laundry that I wonder how in the world all these clothes fit in our closets. Normally I do two loads a day, and if I washed those in hot water, it would cost me about 38 cents each load. A load washed in cold water costs just 1.5 cents! So if you do the math, I’m saving 73 cents /day for 365 days a year, and that’s $266! See how small changes can add up?

 When you’re cooking, turn your oven off about 15 minutes before the baking time is up. The residual heat in the oven will finish baking your food, and you’ll be saving money.

 When you leave the house for an extended period of time (2 days or more), turn your thermostat to the lowest possible setting. Don’t turn the unit off; the low setting will keep your pipes from freezing. Also turn off your water heater. When you return, it will only take an hour or so to heat the water back up.

 If you have ceiling fans in your home, turn the switch on the base so that the blades push the warm air down on you rather than pulling it up.

We all love to make New Year’s resolutions, but keeping them is a different story altogether!  This year, it’s time to get excited about saving some money for your family, and keep your New Year’s resolution!