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Posts Tagged ‘Frugal Living’


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!



Order Water When Dining Out

Tuesday, January 13th, 2009

Dining out can be a nice treat once in a while but the cost of beverages can really blow the budget. Ordering water with your meal instead of a soft drink or alcoholic beverage can really save you a lot of money. The average cost of a soft drink at most restaurants is around $3.00. Figuring that you can purchase an entire 2 liter of name brand soda for $1.50 non-sale price is that cup really worth it? If you must have some soda, stop by your local grocery store and pick up a 2-liter bottle and the entire family can have a glass at home for half the cost of just one persons soda at a restaurant. The mark up on alcoholic beverages is even higher than soft drinks. So consider skipping the Margarita or glass of wine in favor of water, you will not only save a few bucks in your pocket-book but also a few calories!



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.



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!



Looking Good and Saving Money

Monday, December 22nd, 2008

                                
Looking our best is important however, tough economic times have put a pinch on some of the extras that some can afford. I know for myself that paying $150 (cut, color, and tip) to get my hair done every 2 months is an expense I have to consider cutting out of my budget. So this time around when my gray hairs were showing a bit too much I decided that I needed to find a way to still get myself dolled up without spending a small fortune. Here are my top 10 tips for saving money and still looking good.

1. Find a local beauty school: By the time a cosmetology student is allowed to work on live customers they have received extensive training already and are not “experimenting” on you. Rest assured that you will come out with a great cut and color. The students are just fine tuning their processes on you. You can save 50% or more by going to a beauty school. Beauty schools are not just for hair care, you can get a manicure, pedicure, and waxing done here as well. Ask the instructor or someone at the front desk if tips are permitted, and if so don’t forget to tip.

Find a local beauty school at one of the following links:

2. Do it yourself: If you are comfortable with it there are many color at home options available in retail stores that will give you just about any choice for hair color. From all over color to highlights you can do it all in the comfort of your own home for $7.00 to $20.00 depending on the brand (of course less if you find a sale and combine it with a coupon, I recently picked up a highlighting kit for $2.00 after coupon/sale and gave my tween some highlights..she was thrilled!). There are also acrylic nails kits, that with some practice you can give yourself a professional looking manicure at a fraction of the price. Don’t forget at home waxing kits too for those that are brave! Don’t forget the hair cut, while for women cutting their own hair can be a bit difficult but trimming your bangs can easily be done at home by yourself or with the help from a friend. Additionally investing $20-$30 in a good set of electric clippers you can easily give the men and boys in your life a nice look. I personally clip my husbands hair and my two boys and save about $30 a month by doing it myself.

3. Find a different salon: If your hairstyle is pretty simple and does not require that much in the way of layers, razoring, or multiple shades of highlights you may want to consider going to a cheaper salon. Salons like Fantastic Sam’s, Super Cuts, and Great Clips can offer you a discount on your hair-do with a savings of as much as 50% or more.

4. Save On Maintenance: Did you know that most salons will trim your bangs for free. You just call in and ask if you need an appointment, then come in and the trim takes less that 5 min. Do you need a all over trim to keep you looking good between hair cuts, then use a discount salon for trims.

5. Do without: Some budgets are just not going to budge and you may need to decide that you just can no longer afford to maintain your beauty regimen as you would like to. But that does not mean that you need to look like a ragamuffin, instead think hard about what you can cut back on or out of the budget altogether. Go to the salon less. Instead of getting a cut and color every 6-8 week, see if you can stretch your time between appointments an extra week or two. Go “Au-natural”, get rid of the acrylics and learn to give your self a manicure at home. A bottle of nail polish and a nail file is much more inexpensive than a professional manicure. Same goes for a pedicure. Invest in a foot bath and some implements found in your local drug or discount store and give yourself a pedicure. I have convinced my husband that he gives great pedicures. Even if the paint on my toes is not perfect, I just enjoy the free foot massage.

Looking nice is important but you can still look great without breaking the bank!



Hotcouponworld member mcatwood shows us all about the art of the stockpile.

Thursday, October 23rd, 2008

Hotcouponworld’s very own mcatwood (Michelle) was interviewed on television for Atlanta Georgia’s 11 Alive News. Check out this segment done by another Hotcouponworld member Valerie$$.



Making Leftovers Last

Friday, October 10th, 2008

Any way you slice or dice it, there are lots of ways to turn your leftovers into culinary delights. You’ll save you money in the long run by finding creative ways to cut the waste in your kitchen! Take a look at these five items:

Bread: In my mind, bread is anything made out of flour. The heels of loaf bread can be easily used to make croutons, be toasted for French onion soup, or in our house, we simply spread the peanut butter on the heel side and flip the softer bread side out so the sandwich looks like a sandwich. There are five of us and hamburger and hotdog buns come eight to a package. Use the leftover buns for garlic bread to serve with another night’s meal. One package then covers two nights worth of meals and the buns don’t go moldy in the breadbox.

Meat:
You’ve got a half a steak left over from dinner; by itself, it won’t make a meal. If you’re like my family, half a steak is tossed in a ziplock bag and gets lost in the back of the fridge. Instead, chop it up and use it in a steak and egg omelet for breakfast or as a soup/stew starter for another night’s dinner. Or put it in a plastic container, top it with frozen mixed veggies and freeze for a lunch you can reheat at work.

Vegetables:
You cooked a pot of green beans that didn’t get finished at dinner. Don’t toss them. Either put freeze in a Ziploc, or keep a big Rubbermaid container in the freezer for veggie orphans. When the container has enough assorted vegetables, make a veggie and rice soup, or use the vegetables for stir-fry.

Milk: Not enough left for a glass in the bottom of the jug? Don’t pour it down the sink. Put it in a zip-seal bag and freeze it for sauces and cream soups. When you’re ready to use it, melt it right in your pan from a frozen state—no need to thaw.

Eggs: Even if you don’t use all your eggs before the expiration date, they stay fresh for quite a while. Crack them in groups of three, scramble and freeze in a plastic bag to use later. Most cake and brownie recipes require three eggs so you can thaw the eggs in the plastic bag under cold running water in a matter of minutes. Or, thaw and scramble for breakfast.



Make produce last longer

Friday, October 3rd, 2008

If you planted a garden this past spring, you probably got to enjoy juicy tomatoes, crisp lettuce, and crunchy cucumbers.  In an expensive summer of high food prices your garden probably saved you more than a few dollars. And with all the food recalls we keep hearing about, knowing your food came out of your own garden probably gave you a little peace of mind.

But if you got a late crop and have more produce than you can possibly eat before it spoils, there are some things you can do to preserve your hard work and enjoy the bounty from your garden well into the winter.

Check out this site from Oregon State University, it’s one of the best resources online for food preservation on the web.  You can even get support from their hotline through October at 800-354-7319. This site has facts to guide you through freezing, drying, canning, smoking, and pickling the fresh goods from your garden.  Another good site you can check out is PreserveFood.com.

Stretch the produce by mashing tomatoes to freeze for sauces; drying and bottling herbs for cooking; cutting up or pureeing squash for soup; or grating zucchini and freezing for breads and muffins.

You don’t have to be Martha Stewart to get the knack of preserving food.  And with a few must-have tools like a food dehydrator, some zip-seal bags, and a roll of freezer paper, you’ll capture the maximum value from your garden and save money this winter.

Get cookin’ with these easy recipes:

Layered Vegetable Pie

Spinach Salad Dressing

Easy Garden Bake (Bisquick Heart Healthy Recipie