Tuesday, September 29, 2009

Entertaining Kids - September 29, 2009

Hi Everyone!

I hope you had a good weekend! After a long weekend of doing a lot of free kids activities (free plane rides, free day at the old west museum and then swimming), we are still trying to recover!

I thought it was funny after our worn out weekend that we are running this article by mom about doing too much with the kids. If you have kids and are broke and worn out from all the activities, today's article (almost an e-book in itself :-) is for you.

Have a great week!

-Tawra
www.LivingOnADime.com


Permissions:

If you would like to reprint any of the articles, tips or recipes from our newsletters for your newsletter (print or on-line), website or blog you may as long as you credit and link back to www.LivingOnADime.com .



Entertaining Kids
by Jill Cooper

When my daughter took my grandson to register him for pre-school, the lady at one pre-school very excitedly told her about all of the programs that they would be doing with the kids. They planned to take the kids to musical concerts, botanical gardens and many, many other field trips and activities.

My daughter thanked her and left to find someplace else. At 3 years of age my grandson, like most 3 year olds, could hardly sit through 2 verses of "Twinkle, Twinkle, Little Star" let alone be interested in sitting through an entire musical concert. Botanical gardens are beautiful, but every 3 year old knows that the most beautiful flowers in the world are the dandelions in his own back yard, so who needs to go to a botanical garden, especially when they have very few dandelions there?

I'm not saying that there's anything wrong with going to a concert or a botanical garden. Most of my grandkids have been to all of these things at one time or another and I realize that it is a way to "broaden their horizons" but, as often happens, we often think that if a little of something is good, a lot is even better. Then we spend much of our time and money going to extremes overwhelming the kids with more than they can handle. A field trip every once in a while is fine but 2-3 a week?

Sometimes, we forget that children need to crawl and walk before they can run. Each stage in a learning process is important for them to develop properly but sometimes, no matter what we're trying to teach them, we try to make them go from sitting up to running overnight.

Why didn't my daughter want him at that pre-school? She could tell right away that this school was in the business of simply entertaining the kids. More emphasis was put on the entertainment than what the children would be learning in the class and this thinking fails to see the value of just doing plain "kids things".

The same grandson started first grade this year. Do you know what his one delight is? No, it's not what field trips they are going on but the fact he gets two recesses. He thinks he has died and gone to heaven. It really doesn't take much to make a child happy or to entertain him.

Here are a few myths I would like to dispel:

Myth #1 - We have to entertain our children all the time.

The above pre-school story is a good example of how our society views our kids. Everything seems to be geared towards entertaining our children with attention-grabbing activities. Gone are the days when kids spent most of their time coloring, playing with clay, singing songs and listening to stories.

We spend so much money that doesn't need to be spent. A 3 year old would enjoy singing some songs or having his teacher tell a story using a hand puppet as much as he would enjoy going to a musical concert. In his mind, rolling play dough into a gigantic snake is much, much more fun than walking around at an art museum.

This kind of thinking is everywhere. We don't just have simple birthday parties for our kids where they play a few games and have cake and ice cream. We have to take them to expensive sports centers or amusement parks or bring in ponies and three ring circuses. We make sure our kids have every new electronic toy and game known to man to help keep them entertained. We are so worried that they will be bored.

Another part of this myth is that we must put them in every activity we can in order to help them further their educations. We exhaust ourselves and our children running from one activity to another every day. We are cramming as much down their throats as we can so they can become some kind of mini "super adults".

We have got to let our kids be kids and do fun "kid things". It's good for kids to just run outside and play tag with their friends. We often underestimate the value of the things they learn simply by playing with their dolls or cars or coloring in coloring books. We seem to think that we are doing them a favor by skipping the kid stuff and pushing them on to the hard core stuff, thinking that will make them more successful in the future.

Some parents insist that they do these things to broaden their children's horizons and prepare them for college. After all, everyone knows that children who are involved in more activities are more successful right?

For every 10 people who are successes because they did all of this extra stuff, there are 100 who are even more successful who did no extracurricular things. We are placing too much value on the wrong things. Instead of pawning our children off on strangers to instruct them, we need to spend time with them teaching them what is really important: to be people who have integrity and are loving and responsible. We need to teach them good values.

If they don't have these things, all the education and success in the world is worth nothing. What good is all the money in the world if you have no one to share it with because you never learned to be loving and you alienate everyone?

What good is the best education in the world if you aren't responsible? How does that education benefit you if you never show up for work on time or if you don't show up at all? What good is that education if you don't even bother to even try to find a job to support yourself or your family? I know a lot of deadbeat dads and moms who have great educations, but never learned the discipline to use them.

What good is the best education in the world if you have no integrity or character? No one wants to hire someone who can't be trusted.





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Myth #2 We must always find "exciting" things to do with our kids to bond.

I am amazed how many people "schedule" bonding time with their children. Bonding can't be forced through "special" activities. True bonding comes naturally when our children realize that we love them unconditionally, more than anything else-- when we put their needs above our own needs and wants.

Unfortunately, "They" have come up with a certain list of things that we "must" do or we won't bond with our kids. Many of us have tried to follow the list without asking, "Who Are 'They' and why should I do what 'They' say?"

Here are a few of the things "they" say you must do: When they are babies, you must breastfeed them. When they are toddlers, you must spend hours on the floor rolling a ball to them. When they are pre-schoolers you must do crafts of every kind. When they are in elementary school, you need to bake with them every Saturday...

Of course, it's great to do these things with your kids if you love doing them, but when you find yourself doing these things because you have to and not because you want to, you may need to rethink them.

To be honest, I didn't have the time or the patience to sit for hours reading to my toddlers or rolling a ball. That didn't mean I never played with them. I did these things at times, but I didn't brow beat myself if I didn't spend so many hours a day doing it.

I did, however, sit my toddlers in the laundry basket and carry them, clothes and all, outside to hang the clothes on the line. They would jibber jabber to me while I hung out my clothes and I would talk to them and we would sing or just look at the birds or listen to the doggie barking.

When they were older, I tried the crafts thing. The first time I did it, I looked at the finger paints all over the table, on the chairs, on the floor, all over them and me, on the walls on the way to the bathroom and in the bathroom. (Without letting me know, they jumped up and ran to go potty by themselves. "Aren't you proud of us, Mom?")

As I surveyed the wondrous mess, I decided anyone who did this on a regular basis was either a better mom than me or insane. I vowed from then on to let the professionals (kindergarten teachers, bless your hearts) teach my kids to finger paint and make paper mache bowls and other crafts of that sort.

Instead, I would take them out to the yard to plant flowers or make mud pies with me. That way I could just hose them down when we were finished.

One day I realized my daughter was old enough to learn how to bake. How exciting! I should have heeded the warning signs that first time... (I love you daughter of mine : ). What a mess-- flour, sugar and egg everywhere! I knew it would be bad, but not this bad. This is another thing I thought was best left to the professionals in the home economics classes in school. ;-) OK, not really.

I did eventually try again to teach her to cook. It has been a slow process - I went to her home again just last week, she is in her late 30's, and we just had another lesson HA! HA! She still hasn't gotten the flour, sugar and eggs under control but I am hopeful because each year it seems to be more contained. : ) : ) (Tawra: I'm NOT laughing, Mother...)

Anyway, here's my point: Bonding is fine, but it doesn't have to be expensive, scheduled or what "they" say you need to do. Each child, each parent and each situation is different.




From Our Inbox:

"I was trying to purchase Dining on a Dime today..."

"I live in Andover and was hoping to be able to just pick up my copy of the book. I have paid overdue fines twice at the library so figured its time to purchase!"

-John from
Andover, Kansas





Myth #3 - Each of my children needs to have a TV, computer, and phone in his or her room or else they will die or, worse still, be rejected by their peers.

I constantly hear parents complain about the horrible effects of the media on their children. These parents go on and on about the awful things their children find on TV or the Internet without actually taking action to stop it at home. Stop being a wimp of a parent, step up to the plate and be responsible for your child. Stop blaming everyone and everything else for the things that affect your child's life. You are the one in control (or you should be).

Don't let kids have TVs and computers in their rooms. Put these things in the family room or living room where you can control what they are watching. It is so foolish to carry on about the media controlling our kids' lives and then agree to put a TV in a child's room.

Why do we put TVs in their rooms? Usually it is for purely selfish reasons. It entertains them and gets them out of our hair. Sometimes we don't want to say no to our kids and have them mad at us. When a child pleads for a TV we don't want to seem mean, so we give in and let him have one. For many of us, having our kids like us makes us feel good, which can be more important to us than our children's well being. This may sound harsh but, unless you recognize the problem and stop making excuses, nothing will get fixed.

We wouldn't dream of giving our kids illicit drugs if they asked us but there are many things that can be equally emotionally and spiritually harmful to our kids that we give them just because we are afraid to say no. Allowing the kids to watch the news, adult-targeted shows and even many cartoons where the characters are mean, hateful and smart mouthed are some of those things.


Myth #4 - Everyone is doing it so I should be doing it too.

Every generation of parents has had to deal with this statement and we all know the answer: "Just because everyone else jumps off a bridge doesn't mean that you should do it, too." We learned it from our parents, who learned it from theirs and so on. It is still as true today as it has been for hundreds of years.

Even though we say this to our kids, we don't always practice what we preach. We send them mixed signals. Look closely at your life and see how many things you do in your life just because everyone else is doing it. Just because "everyone else" has a new car, a big house and goes out to eat every day doesn't mean we should, especially if we can't afford it, but many of us do anyway. "Everyone else" takes their kids to a very expensive sports world, so I should too. They go on expensive vacations, buy their kids designer jeans or a new car... If we spend beyond our means in this way, what are we teaching our kids about money?


Myth #5 - If I don't keep my child's schedule filled, he or she will get into trouble.

Do you enjoy having your schedule filled to the max? Of course not and neither does your child. Let your children be kids. No child should have so many activities that he needs a day planner. You and I as adults can't handle the stress that goes with a jam-packed day planner. Why should we expect a child to do it?

As far as preventing them from getting in trouble, that is one of those "they say" things that I hate. For every study that says, "If you don't keep kids busy up to their eyeballs, they will get in trouble", there are two that contradict it. Most of the time kids get in trouble because they feel that no one cares, they have not been taught right from wrong or they are just young and human.

Just the other day my daughter had to pick her kids up from school and the race was on. They were running all over, going from one activity to another. (This isn't the norm for them, but it is for many families.) The next day my granddaughter said "Mom, do we have to go anywhere tonight?" and her mom said "No." Elly answered and said "Oh, thank goodness!"

I'm not saying that you should go to the other extreme and not allow your children to do anything. Yes kids, especially teens, need to be active and busy but not to the extreme they are stressed out by it.

I often get asked "What am I going to do?" I need to keep my teens busy but the activities and sports are so expensive. Kids don't need expensive activities to keep them busy. Have them get part time jobs. My 11 year old grandson has been working all summer mowing yards. He's learning responsibility and by the time he is done he is too tired to get into much trouble. ;-)

If they are too young and can't seem to find themselves jobs, have them volunteer someplace. My daughter started volunteering at a hospital when she was fourteen. By the time she was 15, they knew her well enough and hired her to work in the hospital's flower shop.

Kids can volunteer at the humane society, nursing homes, day care centers and lots of other places. I know different areas have different laws about where kids can volunteer, but there are usually plenty of opportunities. My point is that there are things for kids to do that will keep them busy without requiring you to dole out big bucks to do it.

Like so many other things, encourage activities in moderation. We often think if something is good for us, the more we can have of it the better. Broccoli is healthy for me, but that doesn't mean that I should eat pounds of broccoli and nothing but broccoli for every meal. Moderation, Moderation, Moderation!


Myth #6 - I'm doing this for my child's well being.

Are you? The only thing any child really needs is to be unconditionally loved and to know the person who unconditionally loves him will always be there, taking care of him.

God is the best example of what a perfect parent should be. When I really came to the realization that God (my father) loves me (His child) unconditionally and, no matter what happens (good, bad or otherwise), He will always be there for me and take care of me, it changed my life. I no longer needed to be stressed about anything or to do things out of fear-- fear of not being accepted, good enough, smart enough, pretty enough, strong enough or rich enough. I was loved and cared for and I knew any moment of the day if I needed Him God would be there for me.

Can your children say that about you? Do they know you love them enough to say no to them once in a while for their own good, even if it means that you might not feel loved by them for a moment? Or do you say yes because you feel guilty (I divorced their mom or dad, I don't make enough money to give them everything, I haven't been a good parent etc.) and salving your own guilt feelings is more important than what is best for your child?

Ask yourself, "Am I doing this because I know and love my child and know what is best for him or am I doing this because it is what 'they' say is best for them, even if my own instincts tell me different?"

Stop worrying and working so hard at being a parent. Just love them, take care of them to the best of your ability and pray like crazy for the next 18 years. Don't let what "they" say rob you of the joy of enjoying your kids.

Smile, smile and smile because it will probably get worse-- Most of them marry and multiply and then the fun begins!!!! ;-) Just joking!!!!

-Jill


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Thursday, September 24, 2009

Old Fashioned Chicken Pot Pie, Marinated Tomato Salad and Sour Cream Apple Squares

Hi Everyone!

In today's newsletter, you'll find a delicious menu, including a wonderful old fashioned chicken pot pie recipe and a "quick" version for when you need a great meal fast!

Today over on the blog we are talking about tithing. You'll also find a link to our 2009 budget there so be sure to check it out.

Enjoy today's newsletter!

-Tawra
www.LivingOnADime.com


Permissions:

If you would like to reprint any of the articles, tips or recipes from our newsletters for your newsletter (print or on-line), website or blog you may as long as you credit and link back to www.LivingOnADime.com .



Today's Tips:

  • When I boil my chicken for something like chicken salad and I don't need the broth I always freeze the broth to use later in recipes like the Old Fashioned Chicken Pot Pie. To make things easier and faster I measure the broth in 1 cup containers or measure it in the amount I need for my favorite recipes.

  • Add your own spices to canned foods to make them taste more homemade. In the second pot pie recipe in today's newsletter we add thyme to the canned soup. You could add some grated cheese to cheese soup or chunks of leftover chicken to chicken and rice soup. You can add vanilla, peppermint, orange or any flavor you like to canned frosting to make it taste more homemade.

  • Add your own extras to frozen things too. Sprinkle a little extra cheese, pineapple, mushrooms, and olives or add some leftover hamburger, ham, and chicken to a frozen pizza or lasagna.

  • Chicken Measurements:

    • One 2 1/2 -3 lb chicken = 2 1/2 = 3 cups cooked

    • Two chicken breast (1 1/2 lb. with skin and bones) = 2 cups cooked

Today's Menu:

Today's menu includes Chicken Pot Pie. Don't be afraid of it. There really isn't a big mystery in making this good old-fashioned dish and it is quite simple. If you need a recipe that is faster, I will also give you our instant version from the Dining on a Dime Cookbook. If you use leftover chicken, the quick version takes only 5 minutes to mix and pop in the oven.

Old Fashioned Chicken Pot Pie*
Marinated Tomato Salad*
Sour Cream Apple Squares*




Grocery Shopping On A Budget

Grocery Shopping On A Budget

Learn to save, stretch and get more for your food dollars!

Grocery Shopping On A Budget includes lots of tips to reduce your grocery bill, menus and recipes to get you in and out of the kitchen fast, tips to help you save on meats and cleaning supplies and more. Learn More Here!




Today's Recipes:

*Old Fashioned Chicken Pot Pie

1 1/2 cups fresh mushrooms, sliced
1 cup fresh carrots, sliced
1/2 cup onions, chopped
1/3 cup butter or margarine
1/3 cup flour
1 /1/2 cups chicken broth
1 1/2 cups milk
4 cups chicken, cooked, cubed
1 cup frozen peas
1 tsp. salt
1 can refrigerator biscuits*

In a saucepan, saute mushrooms, carrots and onions in butter. Sprinkle with the flour and gradually add broth and milk. Blend, bring to a boil and cook 2 minutes or until thickened. Add chicken, peas and salt. Pour into well greased 2 1/2 qt. baking dish.
Top with biscuits. Bake uncovered at 400° 15-20 minutes until biscuits are golden brown.

*You could make homemade biscuits to use in this recipe, if you like.


Chicken Pot Pie

This is the pot pie recipe from our Dining on a Dime Cookbook. In the book it calls for using biscuit mix biscuits but I am going to use canned biscuits today, which will allow you to make the whole thing in less then 20 minutes, including the baking time. This is a great way to use leftover chicken, turkey and veggies.

1 2/3 cups frozen veggies, thawed
1 1/2 cups chicken or turkey, cooked, cubed
1 (10 3/4 oz.) can cream of chicken soup
1/4 tsp. dried thyme
1 can refrigerator biscuits (8 biscuits)

Combine everything in a greased 9 inch pie plate. Top with biscuits. Bake 15-20 minutes at 400° until biscuits are golden and veggies tender. Serves 4-6.


*Marinated Tomato Salad

Marinade

1/4 cup oil
1 Tbsp. sugar
3 Tbsp. vinegar
2 tsp. parsley, finely chopped
1 tsp. green onion, finely chopped
1/8 tsp. garlic salt
1/8 tsp. dried basil
Dash dried oregano
Dash pepper

Salad

12 cherry tomatoes
4 cups torn lettuce
1/2 cup croutons
2 oz. Swiss cheese slices, cut into strips

In a large bowl, mix marinade ingredients. Add tomatoes and stir to coat. Cover and chill 8 hours or overnight. Just before serving, drain tomatoes, reserving marinade. Add salad ingredients and add more marinade to moisten.


*Sour Cream Apple Squares

2 cups flour
2 cups firmly packed brown sugar
1/2 cup butter or margarine, softened
1 cup nuts
1-2 tsp. cinnamon
1 tsp. baking soda
1/2 tsp. salt
1 cup (8 oz.) sour cream
1 tsp. vanilla
1 egg
2 cups apples (2 med. apples), peeled and finely chopped

Preheat oven to 350°. Mix first 3 ingredients on slow speed until crumbly. Press 2 1/4 cups of the mixture into a ungreased 9x13 pan. To remaining mixture add everything else but apples and mix well. Stir in apples. Spoon over base. Bake 25-30 minutes until toothpick inserted in middle comes out clean.

You can serve this with whipped topping, ice cream, caramel sauce or all three.

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Tuesday, September 22, 2009

Acres of Apples - Using Leftover Apples - Apple Recipes and Tips

Dear Readers,

I hope that you're having a great week so far!

In today's newsletter, you'll find tips and recipes to make the most of all those apples!

Thank you for sharing your tips about "inexpensive meals to take to sick family and friends." Our readers submitted lots of inexpensive and easy to prepare ideas. If you haven't seen the post on the blog, you can find it here.

Have a great week!

-Tawra
www.LivingOnADime.com




Acres of Apples, Frugal to the Core
By Jill Cooper

I've always dreamed of having an apple tree in my backyard. You know the old saying, "Be careful what you wish for?" Now that I actually have my own apple tree, I stand in my yard watching the apples piling up around me thinking, "Oh no -- What do I do with this mess now?"

If I could make gasoline out of apples, I could retire, but since that is not an option and my frugal mind will not allow me to waste one apple, I have had to come up with some yummier "apple disposal" methods.

If you find that you have a few dozen more apples than you know what to do with, today's recipes from LivingOnADime.com will help settle your frugal dilemma.


Today's Tips:

  • When you have a partially eaten apple, save the good part and chop into pieces. Place in a microwave safe dish. Blend together 1 tsp. each brown sugar, flour, oatmeal and margarine and a dash of cinnamon. Top the apple with the topping and microwave until tender.

  • Core and slice apples very thin. Dehydrate and use in granola, eat alone or soften in warm water to use in recipes.

  • Slice apples and use in Pancakes or waffles.

  • To freeze apples: Peel, slice and core and then store in 2 cups portions in freezer bags.

  • Use soft apples in cooking.

  • Cut into small pieces and add to salads with a fruit based dressing.




Grocery Shopping On A Budget

Grocery Shopping On A Budget

Learn to save, stretch and get more for your food dollars!

Grocery Shopping On A Budget includes lots of tips to reduce your grocery bill, menus and recipes to get you in and out of the kitchen fast, tips to help you save on meats and cleaning supplies and more. Learn More Here!




Today's Recipes:

Apple Crisp

6 apples, peeled and sliced
1/2 cup butter or margarine, softened
1 cup brown sugar
1/2 cup oatmeal
1/2 cup flour
1 tsp. cinnamon and/or nutmeg
1/2 cup water

Preheat oven to 350°. Arrange apples in well-greased baking dish. Blend all remaining ingredients except water. Spread evenly over top of apples. Pour water over the topping. Bake 45 minutes until apples are tender and top is crisp. Serves 6.


Apple Butter

9 to 10 apples, cored, peeled and chopped
2 cups sugar
2 tsp. cinnamon
1/8 tsp. cloves
1/8 tsp. salt

Place everything into a crock pot. Stir, cover and cook on high 1 hour. Cook on low for 9-11 hours or until thick and dark brown. Stir occasionally. Uncover and cook on low 1 hour longer. Stir with whisk until smooth. Refrigerate or Freeze. Makes 2 pints.


Apple Pie Filling

9 cups baking apples, peeled, cored and sliced
1 1/2 Tbsp. lemon juice
5 cups water
2 1/4 cup sugar
1/2 cup cornstarch
1/2 tsp. salt
1 tsp. ground cinnamon
1/8 tsp. nutmeg

Toss apples with lemon juice and set aside. Combine the rest of the ingredients in Dutch oven and bring to a boil for 2 minutes, stirring constantly. Add apples and return to boil. Reduce heat, cover and simmer until apples are tender (6-10 minutes). Cool for 30 minutes. Then ladle into freezer containers or bake immediately. Makes two 9-inch pies.


Fried Apples

4 large apples, cored and sliced
3 Tbsp. butter or margarine
1/3 cup brown sugar
1/2 tsp. ground cinnamon

Cut apples into 1/4 inch slices. Heat butter in a large skillet. Put the apples, brown sugar, and cinnamon in the skillet and cover. Over medium-low heat, cook apple slices 7-10 minutes or until they begin to soften and the syrup thickens. Serve coated with excess syrup on top. Serves 4.


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Thursday, September 17, 2009

Chicken Melts, Pineapple Millionaire Pie, Save on Meat

Hello everyone!

Just a reminder: Don't forget to check out the new e-book The Home Craft Business: How to Make It Survive And Thrive, by Patrice Lewis. This is a GREAT e-book on how to make money at home legitimately. This e-book focuses on crafts but you could use for any business and get a LOT of great tips. Oh, how I wish I had this e-book when I was selling my dried florals and when we started selling Dining On A Dime!

If you have wanted to try and make some extra money at home or to start a business, be sure to check it out. It's only $19.95, which you know is dirt cheap if you've seen other products on this subject, and it has a 60 day money back guarantee, so there's no risk in trying it! Grab it today!

We'd like your input! Today, on the blog, we have a question about "inexpensive meals to take to sick family and friends." I thought it would be nice to get some reader input on this, so please head on over there and let us know your favorites!

Have a great weekend!

-Tawra
www.LivingOnADime.com




Today's Tips:

  • Meat is one of the most expensive items on your grocery list. Here are some tips from Dining on a Dime to help you cut down on the cost of meat:

    1. Eat soup and a sandwich once a week

    2. Have pasta (macaroni and cheese) or rice (broccoli, cheese and rice casserole) night twice a week.

    3. Have a "leftovers" night.

    4. Have a baked potato night with all the fixings!

    5. Have a veggie night. Serve veggie soup, chef salad or platter of garden fresh veggies with cheese and crackers.

  • When cutting onions, green peppers and other veggies, chop enough for a second meal.

  • Store your cooking oil in a plastic squeeze bottle like the kind used for ketchup. Then you won't have to stop to unscrew the cap in the middle of making a recipe and it's easier not to use as much.

Today's Menu:

Chicken Melts*
Potato Green Bean Salad*
Pineapple Millionaire Pie*




The Home Craft Business

Do you want to work from home? Are you looking for a legitimate alternative source of income in uncertain times? How about turning your craft hobby into a business?


The Home Craft Business e-book gives you step-by-step details about how to start your own business from the ground up.


Learn more about it here.




Today's Recipes:

You can use different meats, breads or cheese with this first recipe. For a fun and a different kind of meal for a teen get together, casual adult party or even for older kids, serve this recipe instead of the usual pizza. Make it like a sandwich bar and let everyone mix and match and make their own ingredients. This is also fun for a casual holiday get together like before or after trick or treating, Christmas caroling, putting up the Christmas tree, etc.

*Chicken Melts

2 Tbsp. butter or margarine, softened
2 tsp. mustard
4 slices whole wheat bread, toasted
8 oz. deli chicken or thin sliced chicken
8 slices tomatoes, thinly sliced
4 thin slices of onions
4 slices Swiss cheese

Mix butter and mustard and spread each slice of bread with the mix. Place on ungreased cookie sheet. Place 2 slices of chicken and tomato on bread and 1 slice onion and cheese. Broil just long enough to melt cheese.


*Potato Green Bean Salad

8-10 new red potatoes, cut 1/4 inch slices and cooked
1 (8 oz.) package frozen green beans, cooked (You can use fresh or canned)
1/2 cup radishes, sliced

Dressing

1/4 cup mayonnaise
1/4 cup sour cream
1 Tbsp. fresh chives, chopped
1 tsp. milk
1/2 tsp. salt
1/8 tsp. pepper

Combine dressing ingredients in a large bowl. Mix well. Add potatoes, beans and radishes. Gently stir. Cover and refrigerate to blend flavors.


This is the delicious pineapple pie they serve at Furr's Cafeteria. I went there over 35 years ago and asked for the recipe. This is the exact recipe I got from them:

*Pineapple Millionaire Pie

2 cups powdered sugar
1 stick margarine
2 large eggs (pasteurized eggs may be used - *see note below)
1/8 tsp. salt
1/4 tsp. vanilla

Cream ingredients and pour into a 9 inch baked pie shell. Chill 1 hour.

Topping

1/4 cup powdered sugar
1 cup crushed pineapple
1/2 cup pecans
1 (8 oz.) container of whipped topping

Mix first 3 ingredients, fold in whipped topping. Spread onto chilled base mixture. Chill well.

*Note: A number of people have asked about using raw eggs. Yes, the recipe calls for raw eggs. If you are concerned about using raw eggs, all you need to do is buy pasteurized eggs (as it says in the recipe) and it will work fine.

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Tuesday, September 15, 2009

The Home Craft Business: How to Succeed by Really, Really Trying

Dear Readers,

In today's newsletter, we're presenting a guest article about selling your crafts as a business. This is an excerpt from our friend Patrice Lewis' new e-book, "The Home Craft Business: How to Make It Survive And Thrive".

This is the best e-book I have ever read on selling your crafts to make some extra money. It started out as a series of articles that I loved so much I asked her to put it into an e-book for our readers. "How do I make extra money at home?" is the number one question we get from readers, but it's difficult to find legitimate advice. This e-book explains it so well, I knew this would help many of you! Though Patrice has a craft business, most of the information is relevant for any type of home business. Check out "The Home Craft Business" here.

Have a wonderful week!

-Tawra
www.LivingOnADime.com




(Note from Tawra: I am pleased to present this excerpt from "The Home Craft Business: How to Make It Survive And Thrive" by Patrice Lewis. Patrice writes for my favorite magazine, Countryside, and I just love her articles on working at home. So many of her observations really hit home with us since we've had so many similar experiences with our business! ;-)


The Home Craft Business

How to Succeed by Really, Really Trying
by Patrice Lewis

In 1990, after my husband and I were married, we lived in Sacramento. We were doing okay in California: double income, no kids, no debt. We were renting a nice house in a nice section of town. We had a huge yard for our two dogs. Our jobs were challenging and interesting. Life was just ducky.

And we couldn't wait to get out of there.

By Bay Area or southern California standards, Sacramento wasn't a bad place to live, but it was developing all the problems endemic to big cities. Traffic was getting worse. Gang violence was increasing. The murder rate was on the rise. Faced with these urban difficulties, rural living starting looking more and more attractive.

Besides, what kind of problems could arise from living in the country? Life would be Simple. That's it, Simple.

Right.

I leafed through a magazine and saw a bucolic picture of a farmhouse amid shocks of corn. "That," I told my husband Don, "is more what I want."

"You want a farm?"

"Well, why not?"

"Farming is hard work. Besides, we know nothing about it. We can't make money from a farm."

"Okay, not a farm then. A homestead where we grow our own food and stuff, and be independent and self-sufficient."

Don looked skeptical.

"I'm not saying we'll be good at it at first..." I said defensively. "But I want something different. Not this." I gestured toward the door where the sounds of heavy traffic could be heard, a constant din that accompanied us everywhere. "It's too crowded. Do we really want to raise any future children here?"

"Yes, but where would we go? How would we make a living?"

"We can always make a living. If we get a place where the rent is lower, we can always find jobs. Even if we're both making minimum wage, we can get by. Besides, we have some savings and no debt."

So we decided to get out of California. We looked around for a place where I could go to graduate school - that was our excuse - and bought an old house (built in 1874) and four acres just north of Medford, Oregon. Or rather, we bought the four acres, and they threw the house in for free. Literally. This tells you something about the kind of house we bought. When I told visitors how to get to our house, I'd tell them to look for the house from The Beverly Hillbillies, before Beverly Hills.

"You're going to what?" friends asked incredulously.

"Move to Oregon. We bought a farm," I'd reply proudly, exaggerating the truth just a touch. Our four acres were anything but a farm, but it sounded good.

"Better you than me," one friend muttered.

"Wipe your feet before you come visiting," another said.

"Why on EARTH do you want to leave California?" a third asked, genuinely puzzled.

"Aren't you nervous, moving to a rural area with no income?" legitimately asked a fourth.

We weren't nervous, we were ignorant. Vastly ignorant.

So we moved. I went to graduate school. Don began looking around for a job in his field (he was a geologist). It occurred to us, as the months passed by and we gradually ate through our modest savings, that this wasn't quite how we envisioned the job market.

So Don decided to try something new and different: start his own business. It was all part of the Dream, you see. Somehow it didn't seem "right" to move to the country but still have an office job. We were striving for more self-sufficiency and independence, and a home business was part of this plan. We decided it was now or never.





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And what would a former professional, with a master's degree in geology, do for a home business? That's right: make wooden beer steins. Gotta be a market for those, right?

Always an avid amateur woodworker, Don spent the first five months in Oregon (between job hunting) perfecting the design for our tankards. We booked our first outdoor show over Memorial Day weekend near Eugene, three hours north of us. It was an historical re-enactment camping event with about a thousand people in attendance. We set up on Friday evening, just in time for the rain to start.

We should have known. This was Oregon, after all. It rained and rained and rained. Around midnight our tent collapsed, draping soggy fabric over us as we slept. Cursing, grabbing flashlights, we splashed through the mud and repaired things as best we could.

Saturday morning dawned gray and drizzly. We sat in our booth, with the water dripping down the flaps, and gloomily regarded the rain. Occasionally we had an interested visitor, but for the most part people hurried by, splashing in the wet grass, heads bowed before the weather. Don started talking about finding a job - any job - when we got home.

Around noon, the weather broke. The sun came out, the trees shook off the water, and things looked decidedly better.

It started as a trickle of visitors, a few people who decided that, with the sun out, it was time to do some shopping. When they came to our booth, the reaction was surprise and delight at our product. When they learned that the tankards were actually functional (Don and I were, of course, demonstrating this by drinking copious quantities of hot tea throughout the day), they were enchanted.

Word spread like wildfire around the encampment. People started coming in droves. Don and I began selling tankards like crazy. They flew off the shelves, and we barely had time to restock. We made money hand over fist. Cash literally spilled out of our cash box. By the time the rain started again four hours later, we had made over $1500. In four hours.

Saturday night, when the tent collapsed under the downpour once again, we didn't even curse. Due to the weather the event was concluded early. We drove home, chilled in our damp clothes but with a happy glow in our hearts.

We were in business.



This is an excerpt from Patrice's new e-book, "The Home Craft Business: How to Make It Survive And Thrive" This is the best e-book we have read on selling your crafts! Read more about it and grab your copy here!

-Tawra


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Thursday, September 10, 2009

Easy Hot Doggie Roll Ups, Blueberry Cream Pie

Good Morning,

We had a question about grain mills. If you have used one and can give some advice, will you please comment on the blog and let us know your favorite recipes and tips for using one? Thanks!

Next week we are going to be introducing an excellent new e-book that one of my friends wrote. This is one of the best e-books I have ever read on selling your crafts to make some extra money. It started out as a series of articles that I loved so much I asked her to put it into an e-book. I knew this would be something that would help our readers earn extra money working at home. If you want to learn how to sell your items, you won't want to miss this e-book! Look for it next week!

Have a great rest of the week!

-Tawra
www.LivingOnADime.com




Today's Tips:

  • Whenever you're going to serve soup but find that it is too hot, toss in a few frozen peas to cool it down quickly.

  • If a recipe calls for half and half and you don't have any on hand, you can substitute 4 1/2 tsp. of melted butter and then add enough milk to make 1 cup. You can also use one cup of evaporated milk in exchange for half and half.

  • When storing fresh herbs like parsley, whether store bought or home grown, trim about half an inch off of the stems. Place them in a glass or jar with water like you would a vase of flowers and store in the fridge. This will make them last longer.

  • I store my celery this way, too. I clean it and place it in my antique celery jar. It looks like a small vase but you could use a large wide mouth mug or jar. The main thing that is important is that they are in an upright position, in water and in the fridge. This is also great because if my family sees the food they are more likely to eat it so, if they see the celery in the fridge all ready to grab and eat, they are more likely to eat it.

Today's Menu:

Hot Doggie Roll Ups*
Parmesan Potatoes*
Sliced Tomatoes and Cucumbers
Blueberry Cream Pie*


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Today's Recipes:

Here is another great recipe from the Dining on a Dime cookbook. It's easy to make and very popular with the kids. You can use canned biscuits or crescent rolls depending on your budget for the month.

*Hot Doggie Roll Ups

Hot dogs
Canned biscuits or crescent rolls
Cheese, optional

If using biscuits, slightly flatten one and wrap around a hot dog. If using crescent rolls, unwrap into triangles and rewrap around hot dogs. Bake at 450° for 10-12 minutes until golden.

If you like, you can slice the hot dog 3/4 of the way through lengthwise and lay a small piece of cheese in the cut before wrapping the hot dog. For easy clean up, use foil or parchment paper. Otherwise the cheese will melt on the pan.


*Blueberry Cream Pie

1 cup (8 oz.) sour cream
2 Tbsp. flour
3/4 cup sugar
1 tsp. vanilla
1/4 tsp. salt
1 egg, beaten
2 1/2 cups blueberries, fresh, frozen or canned
1 unbaked pie shell

Topping:

1 1/2 Tbsp. butter
3 Tbsp. walnuts or pecans, chopped
3 Tbsp. flour

Combine first 6 ingredients and beat on medium speed 5 minutes or until smooth. Fold in blueberries and pour into shell. Bake at 400° for 25 minutes. Combine topping and sprinkle over pie. Bake 10 more minutes. Chill and keep in fridge.


*Parmesan Potatoes

6 large potatoes
1/3 cup butter
1/4 cup flour
1/4 cup Parmesan cheese, grated
3/4 tsp salt
1/3 tsp. pepper

Peel and cut potatoes into quarters length wise. Melt butter in a 9x13 pan. Combine rest of the ingredients in a bag then shake a few potatoes in it to coat with mixture. Place potatoes in a single layer in the pan. Bake at 375° for 1 hour, turning once.



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Tuesday, September 8, 2009

Canning And Freezing Garden Produce

Dear Readers,

I hope you had a great weekend!

In today's newsletter, Jill discusses a popular topic among our readers this time of year -- canning and freezing. I hope you learn something helpful and use it to reduce your grocery budget!

Have a great week!

-Tawra
www.LivingOnADime.com




Canning And Freezing
by Jill Cooper

We get quite a few questions this time of year about canning and freezing garden produce. This can be a great way to stretch your garden leftovers so you can be enjoying then long beyond the regular growing season. Since it is "harvest season", I thought I'd share a little of my experience and give you suggestions to make it easier if you decide to try.

Unless you have a garden or receive free produce, canning your own can be more expensive than buying it at the store. I tried canning for years and between the sugar and spices, it cost me quite a bit. If I had to buy the fruit that I was going to can, it was even more expensive.

If you have your own gardens, you will probably have to do some canning and freezing if you want to make the most of your garden produce. Freezing is the best route to take when possible. You don't need as many ingredients and it takes less time. When you have things ripening like crazy, time is important. Later, during the winter when it is cooler or you're not so busy, take the fruit out of the freezer and make your jams or jellies.

Of course, you may want to can your veggies. Canning them doesn't require as many expensive ingredients. Don't forget, though, that when you are exhausted from canning or when you're running out of time you can freeze many vegetables, too.

If you are short on freezer or cabinet space, you might consider dehydrating your produce. I love to dehydrate everything. You can dehydrate veggies. They work great in stews and soups.

You can dehydrate fruits and later eat them as-is or use them in trail mix, rehydrate them and use in muffins or breads and even use dehydrated apples in pies. You can make fruit roll ups by pureeing fruit and pouring on a special tray for your dehydrator. I saw apple chips advertised on TV for $25 for 3 Pringles-sized cans. Those are so easy to make and much cheaper with your dehydrator.



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I canned for years. It was one homemaking skill I was glad I knew, but was very willing to give up. It was a lot of hard work during the hottest time of the year and then, if the least little thing went wrong, all those expensive ingredients and hard work were wasted.

I'm not saying don't can. Try it! I think everyone should at least have that skill and knowledge under her belt. If you are going to have a garden and want to make the most of it, you will need to know that preserving the fruits of your labor will have to be a part of that. At the same time, don't brow beat yourself if you find canning exhausting work and get discouraged over it.

It may be too late this year to do this but, if you can (no pun intended), it will help reduce the cost if you buy your canning supplies at garage sales or thrift stores. You might even post online or ask in the want ads if anyone wants to get rid of her canning supplies.

Another thing to note is that I didn't always do things by the book. (Of course, for canning, you need to be careful that you always do the canning correctly for health reasons.) One time, I received several bushels of apples at one time. I had a baby, a toddler and a kitchen that was being remodeled at the same time that we were starting a new business in our home. I had my hands full and couldn't get the entire bunch of apples done. I didn't want them to go to waste so, in a desperate move, I took them all, put them in bags and just threw them in the freezer. I didn't blanch them, core them or anything. Later, when I went to use them, they worked great! I discovered that when I washed them (under warm water) the skins just fell off of them. I then cored and sliced them and they made beautiful apple butter and applesauce.

I can't cover all the details about how to can and freeze all the different types of fruits and vegetables in this newsletter, but here are some links you can use to pick and choose the exact information that you need. The first two are about canning and freezing and the last one is on dehydrating.

-Jill

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Thursday, September 3, 2009

Make Your Own Quick and Easy Breakfasts

Hello everyone!

In today's newsletter, you'll find tips and recipes for great quick and easy breakfast options!

Swagbucks has notified me about another great offer for our readers! You can now earn Swagbucks by using their new toolbar, and through September, you'll get extra Swagbucks when you use the toolbar. There's also a special for new members, so if you haven't checked it out, you can find out more on the blog here.

The Penny Pinchin' Mama print book is officially sold out! If you missed the chance to order, the Penny Pinchin' Mama e-Book is still available. You can check it out here.

Have a wonderful Labor Day weekend!

-Tawra
www.LivingOnADime.com




Today's Tips:

In most of our newsletters I give you a dinner menus, but over the next couple of months I am going to pop in some breakfast menus for you. I know you have all heard it before but I want you to really listen this time: Breakfast is the most important meal of the day.

We skip it or don't bother with it because we either think it is too much work or we don't have enough time. Hopefully some of these ideas which will dispel both of those myths.

We have got to stop using work, outside activities and busyness as an excuse for neglecting our responsibilities at home. One of those responsibilities is proper meals for our families. Many of us have ignored it for too long and where has it gotten us? We have an epidemic of eating disorders, obesity, diabetes, and debt from eating out.

Stop and rethink things and your activities. Start putting your families needs (meals) at the top of your priority list. Let's start now with breakfast.


Here are some beginning breakfast basics:

  • As with anything, start slow. If you currently eat no breakfast at all during the week, aim for serving it once or twice and work you way up from there as you get comfortable with it and as you get more practice.

  • Clean your kitchen the night before.

  • Set the table the night before. Set the bowls, cereal, sugar and other breakfast items out on the table.

  • Get lunches ready the night before so you aren't trying to fix two meals at once in the morning.

  • Have everyone pitch in and clean up. Even the youngest child can clear off his cereal bowl and silverware. Older ones can rinse theirs and put them in the dishwasher or rinse and stack so they're ready to wash.

  • Prepare as much as you can the night before:

    • Mix juice so it is ready in the morning.

    • Mix dry ingredients for pancakes or waffles and leave in a covered bowl. Mix wet ingredients and store them in a container in the fridge, ready to add in the morning.

    • Prepare griddles and pans and set them out wherer you will use them so they're ready to go in the morning.

    • Set out small condiments like the butter so they're ready to use.


  • Keep your fridge and pantry organized. That way when you tell the kids to grab the syrup, they don't have to spend 15 minutes looking for it before they call you to search for it, too. Put things in the same spot each time and teach your family to do it.

  • Think out of the box. There is nothing wrong with having a leftover bean burrito for breakfast. You don't always have to eat "breakfast" foods.

  • Keep it simple. You don't have to have a 10 course meal.

  • Use some pre-made things. There is nothing wrong with the kids eating a pop tart with their scrambled eggs. Don't feel compelled to make homemade muffins every day if you don't have time.

Simple fast menus:

  • Have fruit cups ready in the fridge. In the morning, take them out, add some yogurt and serve with an English muffin or bagel and some scrambled eggs. You can even have the eggs in the fridge cracked and stored in a bowl ready to pour into the pan. This can be done in 10 minutes or less.

  • Place some frozen fruit, milk and yogurt in a blender and put in the fridge. The next morning, blend it and serve with peanut butter on toast or a healthy muffin.

  • Keep hard boiled eggs in the fridge ready to eat with toast and a glass of juice. For the big eaters in your family, add a bowl of cereal.

  • Make your own egg muffins. Wrap and have them ready to warm in the morning.

  • Make oatmeal in a thermos and take it when you're on the go. The night before, warm up a thermos by pouring hot water in it. Bring 1 cup of water to boil. Then dump out the water you used to warm the thermos, put 1/4 cup oats in it, add boiling water and salt and seal. It will be ready to eat first thing in the morning (or you can make it in the morning and eat it for lunch).



"I just received Penny Pinchin' Mama and I have to say thank you for such an excellent book!"

Penny Pinchin' Mama

"I recently quit a well paying but inflexible job to stay home and care for my 4 children. I was wondering how I was going to make it on our reduced income and if I had made the right decision. Well, now I know I can do it and how to do it-your book has inspired me!"

-Cynthia

Check out the Penny Pinchin' Mama e-book here!





Today's Recipes:

Here's a fast and simple recipe from Dining on a Dime that can be served with a glass of juice or piece of fruit for a complete breakfast. On those nights you have rice for dinner, make some extra. Mix this dish as soon as dinner is over, set it in the fridge and, in the morning, all you'll have to do is heat it and it'll be ready to go.

Rice Cereal

2 cups cooked rice
1/2 tsp. cinnamon
2 Tbsp. sugar
2 cups milk
1 tsp. butter or margarine

Combine leftover rice and ingredients in a saucepan after dinner. Cover and put in the fridge till morning. Then, on medium heat, warm it up, but don't boil. You can adjust the cinnamon, sugar and butter to your taste.

You could also put the leftovers in a bowl and warm in the microwave. Serves 4.


Oatmeal really doesn't take as much time as you think. Quick oats only take 1 minute to cook, which means it will be cooked and ready by the time you get everyone called to the table. You can also refrigerate or freeze the leftovers if you want.

To make oatmeal more appealing, serve it in fancy dessert dishes. This also helps maintain portion control.

Here are some suggestions for flavoring your oatmeal from our cookbook Dining on a Dime.

Add any kind of fresh or dried fruit. Here are some good options:

Peaches
Apples
Blueberries
Strawberries
Cranberries
Bananas
Raisins

Sweeteners:

Brown sugar
Molasses
Honey
Maple syrup
Applesauce
Jam or jelly

Other things to use:

Half and half
Yogurt, plain or fruit
Butter/Margarine
Wheat germ
Granola
Nuts

Stir in peanut butter and top with chocolate chips. (This really tastes good. It is like those no bake chocolate cookies you make with chocolate, peanut butter and oatmeal.)

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Tuesday, September 1, 2009

Living In the Real World - Getting Your Spending Under Control

Good Morning!

In today's newsletter, mom shares some thoughts about how to make your money go further for the things that matter. Though the article talks about getting out of debt, the same thinking can help you make more of your money even if you don't have any debt. I hope you enjoy today's article!

Last chance for the Penny Pinchin' Mama print book! We thought we ran out of the Penny Pinchin' Mama print book, but we found 64 more copies hidden deep in the recesses of the garage -- er, warehouse! ;-) If you want a print book version, you'll want to get it now. When we run out, we won't be printing more of the print version. Check it out here.

Have a great week!

-Tawra
www.LivingOnADime.com




Living In the Real World
by Jill Cooper

I was just watching a show on budgeting. I had to chuckle when watching it because the woman on the show was going into great detail about making charts, tracking your spending and savings and lots more. Even I, who have a good grip on my spending, was getting overwhelmed with all the things said a person needed to do to get out of debt.

She then used one of my favorites, which is to keep track of every penny you spend. You know, the "Carry a small notebook in your car and write down every penny you spend" method. I know this works for some people and please keep using it if it's working for you, but I often wonder if these people live real lives or have actually ever really tried their own suggestions.

Let me give you my own personal experience with the little notebook. I have a notebook in the car all nice and handy. I load 5 of my 6 grandkids into the car and we are heading to their house. On the way, I run into the store. I have things I need to return and then things I need to buy. Two of the grandkids want to buy something with their own money but one is $.75 short and another $.35 short, so they ask to borrow it from me and promise to pay me back when we get home.

On the way out of the store, we walk past the bubble gum machines and so, of course, being a proper "Nana", I start passing out the quarters for gum. Two of the quarters disappear into a machine that fails to spit out the gum, so I have to find two more quarters and calm the two distraught children.

Finally, we make it out the door and head for the car. I quickly make sure each child is holding someone's hand so they won't get flattened crossing the parking lot. It's a frantic journey to the car as kids drop their new gum, leftover change and a package or two along the way.

Then we all climb in the car and wrestle with car seats, seat belts and, most importantly, who gets to sit where and by whom.

Yes, the car is hot and everybody's tired, but despite that I say, "Just a minute-- I have to write down what I just spent." Suddenly, we are looking for the little notebook; on the floor, in the seat, on the dashboard. At last, we find it, stuck in between the seats under the youngest child's car seat. After tugging and pulling, pushing and shoving, buckling and unbuckling, we have the notebook. Now where is that pencil? Ah, easy find. It's under the trash can on the floor.

"Let's see, now what did I buy again? Where's the receipt? Do I add the money I got back on my returned item or deduct it from my credit card bill? Do I call the $.75 and $.35 a loan and write it down until it is returned or just write it down?????"

"Yessss. I know you are hot, I know you are hungry; I know you are tired..."

These methods might work well for some people, but my life is complicated enough without adding more. At times, my whole day is like the above story, so I have so many more important ways to spend my time than constantly searching for a notebook or writing on a chart.

What does a person do?

I once worked for a man who had a major problem controlling his spending. Here's what finally helped him: Every Monday morning he put a $20 bill in his wallet. That twenty was all the money he allowed himself to spend for the whole week. It was his lunch money, pop money and, if he saw something at a store he really wanted, he had to buy it with his twenty or do without it.




"I just received Penny Pinchin' Mama and I have to say thank you for such an excellent book!"

Penny Pinchin' Mama

"I recently quit a well paying but inflexible job to stay home and care for my 4 children. I was wondering how I was going to make it on our reduced income and if I had made the right decision. Well, now I know I can do it and how to do it-your book has inspired me!"

-Cynthia

Only 64 copies left-- Get yours today!





This made him go home and think about the thing he wanted. Did really need it? Was it really worth it? Half the time, just having to drive back to the store was enough to deter him from buying it.

He even found himself making a game of it challenging himself to see how much of the twenty he could still have left at the end of the week. He started saving the extra money to use for something bigger and more special that he wanted. Often, after he had a nice chunk added up, he decided to just apply it to a bill. Watching that bill slowly go down told him he was winning the game.

If you have tried other ways unsuccessfully, you might try the twenty dollar bill idea. --Oh, and it doesn't have to be a twenty. Depending on your circumstances and where you live, it could be more or less, but pick an amount and stick to it. It may take a week or two to figure out how much you want to allow yourself but, after that, use a set amount and that amount only for your miscellaneous spending money.

With this system, if you spend it all by Wednesday, too bad! You will have to eke by the rest of the week and, if you aren't already bringing your lunch to work or finding other ways to save, you will find yourself starting to do it just so you can save more of your "twenty".

What I like even better about this idea is, at the end of the week or month, instead of having a huge column of little piddly things to add to your ledger, you only have to make one entry for the twenty for each week.

I did find it interesting that at the end of the show, after presenting all of these complex suggestions, the woman was asked "What do you do if your house payment is more than you can afford and you are deep in debt?" She paused with a strange blank look on her face and said, "There are only two things you really can do-- earn more or spend less."

That's it in a nut shell. We can make charts and write lists but the bottom line is, we simply need to either stop spending or start earning more.

Too often, we focus on learning how to get out of debt with the misconception that, simply by learning, we are doing something about our problem rather than focusing on getting out of debt by actually stopping our spending.

Often, we want to know how to save on the large amount of groceries we buy, never thinking that we could save a lot simply by not buying so much. Or, here's one that I love: "My husband lost his job, so how do I save on our vacation?" I don't know how to say this gently but, if you don't have a job or you had a pay cut and don't have enough money, you don't take a vacation, play golf, buy new things to fix the house, put your kids in sports, throw expensive birthday parties, keep buying junk food or convince yourself that you really need to keep your cable and Internet to help you find a job.

There is one way and one way only to get out of debt and that is to spend a lot less than you make. The more desperate your situation, the more drastically you have to reduce your spending. Some of you may have to go from having your hair, nails and toes done once a month to only having your hair done. If things are really tight, maybe you can't pay to have anything done most of the time. You may have to learn to share only one car. You might have to start walking or taking the bus. Whatever you need to do to pa it off, get serious and do it.

Key words for today's lesson. Stop spending or start earning more.


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