Tag: money saving tips

  • Get Organized and Get Out Of Debt – Where Do I Begin?

    Get Organized and Get Out Of Debt – Where Do I Begin?

    Some of the most common goals people have are to get organized and get out of debt but it can be difficult to know how to start. These easy tips will help!

    It’s almost New Years Day and many of us are already starting to think about making resolutions. Most resolutions sound something like: “I’m going to eat healthy and lose weight“, “I’m going to get out of debt” or “I’m going to get organized.”

    These are great things to WANT to do but I’m afraid that about 90% of us won’t keep these resolutions. Here are a couple of things to think about that will hopefully give you greater success in keeping your resolutions.

    I can’t, in this one sitting, give you all the details about how to handle every situation but I can give you some things to think about that will help you in all of these areas. Then for more details check out LivingOnADime.com, or our e-books to help you in each specific area and to give you practical ways on how to accomplish what you want to do.

    It helps to understand why we do the things we do. Most of us want to lose weight and eat healthy on New Year’s Day because we have just spent the past month gorging ourselves so that we now feel bloated and sick and can’t fit into our clothes anymore. Like a pendulum that swings from one extreme to another, we think that the answer is to eat carrot sticks for the rest of our lives. That usually lasts about 3 days and then we give up.

    The same applies to the idea of getting out of debt. Most of us have just spent the past few weeks spending more money than we had planned and now we feel guilty. We’re determined that we are not going to spend a penny on anything. Then we will panic every time we have to buy something like food or gas because the price is so high.

    Then there is the thought of getting organized. Right now you are probably surrounded by a Christmas tree and decorations that are starting to accumulate a thin layer of dust, which is giving a dingy look to everything. The once bright and cheery look of the Christmas lights have dulled. The candles on the mantle have burned down to nubs and look more like they belong in a haunted house or in a horror movie.

    There is leftover wrapping paper strewn here and there. Piles of Christmas dinner platters and dishes sit on every counter. You close your eyes every time you open the fridge so you don’t have to look at the piles of leftovers inside it. Then there are all the mounds of new toys, clothes and gifts. How do you stuff them into the already full closet? No wonder you have the urge to clean and get organized. You wonder, “Where do I even start?” Getting organized is a way to give yourself a fresh start.

    As I’ve said before, too much of even a good thing can make us sick and frustrated.

    Here’s my point: You can get organized and do everything you resolve to do, but you need to pace yourself. It’s like running a long distance marathon. You don’t just shoot out of the starting line going as fast and hard as you can. You will never make the distance that way, so you pace yourself. In the same way, pace yourself in everything and do a small amount at a time, breaking things into manageable pieces.

    Have a plan, whether it is writing menus for good balanced meals for each week, making a budget or, even more important, being bold enough to write down and acknowledge what your debts are.  Make a plan. Plan where to cut your spending or to start to get organized, try making a list of 1-2 areas of your home you are going to organize each day.

    Next prepare. When you are preparing for a race, you would ask yourself, “Do I have the right shoes”, “Are there water stations?”, “Have I slowly worked my muscles into shape?”, “Am I prepared for some pain?” and “When it hits, will I not be afraid of it but keep going in spite of the discomfort?”  In the same way, you may have to spend some time preparing things like planning good meals or making sure you have cleaning supplies and boxes for when you start to get organized.

    Pace Yourself
    Plan
    Prepare

    One thing you must remember – discouragement and a sense of being overwhelmed will hit most of us once we start. Pacing will help but it is especially important to have a plan and be prepared when discouragement sets in so you can overcome it and keep going. Here are some things to think about when you start feeling discouraged:

    Have you ever looked up the definition of resolution? I did. It means to have firm determination, to be bold and steady and to reduce something to a simpler form. You need to be steady and pace yourself. Little by little and piece by piece, reduce your mess to something simpler and more manageable. You can’t accomplish any of it in a week or two. You took a long time to make the mess and you may have to take just as long to clean it up but like the tortoise in the tortoise and the hare, keep a slow but steady pace and you will win the race and succeed.

    Lastly, get up and do it. Stop blaming everyone and making excuses. You won’t even get out of the starting gate if you spend all your time standing there telling everyone why you can’t run. Even if you have a real excuse for not running then at least start taking baby steps and walk. You’ll at least be getting somewhere but if you just stand bemoaning your lot in life and how miserable the world is in these hard economic times, you will get nowhere.You may fall (or eat that piece of chocolate cake, spend more than you should have or leave dirty dishes in the sink one day) but pick yourself up, brush yourself off and keep going. The only thing that will keep you from getting there is if you stop (quit and give up), so keep at it.

    We will try to do the same and keep plugging along with ideas on how to accomplish all of the above. Now I must quit because I have a messy room that I really need to deal with today! : ) : )

    For more help with organizing, cleaning and laundry, take a look at our How To Organize And Clean Your Home e-books.

    [organizing]

  • Zucchini Slaw Recipe – Great Way To Use Garden Leftovers!

    Zucchini Slaw Recipe – Great Way To Use Garden Leftovers!

    Overwhelmed with zucchini? Try this quick, easy and delicious zucchini slaw recipe, a twist on coleslaw that will help you use those garden leftovers!

    This easy zucchini slaw transforms garden-fresh zucchini into a delicious coleslaw. With just four simple ingredients, you can whip it up in no time and make the most of your zucchini harvest!

    Zucchini Slaw Recipe

    From: Norma

    As I was shredding zucchini to put in the freezer, my 12 year old grandson asked, “I wonder what that would taste like made into slaw”. So he got a carrot and we made zucchini slaw. It was awesome!

    So here is our easy Zucchini Slaw recipe:

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    Easy Zucchini Slaw Recipe

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    This easy zucchini slaw transforms garden-fresh zucchini into a delicious coleslaw. With just four simple ingredients, you can whip it up in no time and make the most of your zucchini harvest!

    Ingredients

    2 medium zucchini
    1 large carrot
    Miracle Whip (add it until you like it)
    salt and pepper to taste
    1 Tbsp. milk

    Instructions

    1. Shred the zucchini and carrot using a box grater.
    2. Pour into a mixing bowl.
    3. Add Miracle Whip, salt, pepper and milk.
    4. Mix well.
    5. Chill.

    Notes

    If you like, you can just make your favorite coleslaw recipe and use zucchini instead of cabbage. (If you have picky eaters, this is a good way to sneak in zucchini.)

    I tried this zucchini slaw recipe and it was yummy! I also tried making it with our garlic salad sauce. Yum! This is a great way to use leftover garden zucchini!

    -Tawra

    [dining]

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  • One Trick To Cut Kitchen Cleaning In HALF! Make Cleaning Easier!

    One Trick To Cut Kitchen Cleaning In HALF! Make Cleaning Easier!

    Here are some useful tips that will make cleaning easier in your kitchen and the rest of the house! Try them and save not only money but on cleaning aggravation!

    Here are some useful tips that will make cleaning easier in your kitchen and the rest of the house! Try them and save not only money but on cleaning aggravation!

    One Trick To Cut Kitchen Cleaning In HALF and make cleaning easier!

    I did a couple of small things today that I thought might help you make cleaning easier in your home. Here are some quick cleaning ideas:

    I see so many people with these plastic scrapers always scraping away at kitchen counters and it never really dawned on me that I have never had to use one before. I didn’t know why until today.

    One of the key rules of professional cleaners is to let your cleaning products do the work for you. I didn’t realize it but my mom taught me this many years ago when I started doing dishes. I always rinse my dirty dishes and then place as many dishes as I can into the hot soapy water in the sink.

    Before I start washing my dishes, I take my super wet and soapy dish rag and run it quickly over all the kitchen counter tops and the stove. I’m not really wiping it, I’m just getting a nice film of soapy water on it.

    Then I wash my dishes. When I’m done, I thoroughly wring out my dish rag and re-wipe the counters. When I do it this way, every bit of pancake batter, syrup and honey wipes right up. This works every time and I never have to scrape my kitchen counters.

    I don’t do this every time I do dishes. If we only have sandwiches I know there is probably not much sticky stuff on the counter so I wash the dishes without focusing so much on the counters ahead of time.

    Years later, this practice worked for me even better because it forced me to put all the dishes into the sink and get my counters cleared. When I had unexpected customers or company, even though the dishes weren’t done, the counters all looked cleared and nice.

    I also had to clean my trash can today. I took it outside, filled it full with soapy water and a little Clorox bleach. I placed the lid and a broom that needed to be cleaned into the water and let them soak for a couple of hours. Later, I went out and all I had to do was rinse them. I didn’t even need a rag or anything. All that nasty sticky stuff that gets in the bottom of the trash can just dissolved away. When you can, let things soak.

    -Jill

    Jill, I just want to say, YOU WERE RIGHT!!! You mentioned how wiping down counters with soapy water eliminates the need for scrubbing and scrapers and will make cleaning easier. Well, I’ve needed to clean the dreaded microwave for a while now. Every time I’d heat something in it I’d cringe and put off cleaning it because of all the food stuck to the inside.

    Well, I took your advice. I got my dish rag nice and soapy and wiped down the entire microwave first. Then I went over to the sink and wiped down the glass microwave plate with hot soapy water and let it sit, too. Then I went back to the microwave and really started cleaning. Everything came off quite easily.

    After finishing rinsing the plate, I realized that this “dreaded task” only took five minutes. Who knew?

    Thanks! Sarah

    Mom always says the best cleaner is hot soapy water. Use it more and you will save more!!! :-)

          -Tawra

    Hot soapy water and soaking work wonders!

          -Jill

    [organizing]

  • Save Money At After Halloween Sales

    Save Money At After Halloween Sales

    After Halloween sales can be a great time to pick up a few things at a discount that can help you save for other occasions. Here are a few tips to help you!

    After Halloween sales can be a great time to pick up a few things at a discount that can help you save for other occasions. Here are a few tips to help you!

    Save Money At After Halloween Sales

    Don’t forget to go to the after Halloween sales to get some great bargains on candy and other items. You can get many other things at after Halloween sales besides candy:

    • Packages of little toys for party favors.
    • Cupcake wrappers. Cupcake cups with pumpkins can be used all the way through Thanksgiving and if it is just for your family, most kids don’t mind if their cupcakes have a pumpkin wrapper on it, even in January.
    • Candles and candle holders
    • Napkins and disposable tablecloths

     

    hallween decorations - creative pumpkins

    Do you have a graduation coming at the end of the school year and the school colors include black? Buy your plates, napkins, streamers and party favors now. Look for bargains on these types of products after every holiday. If the school colors are red, you can find great stuff after Christmas or Valentine’s Day, silver after New Year’s Eve, green after St. Patrick’s day and so on.

    Get costumes for next year or pick up odds and ends if your kids like play acting or drama. We always kept a costume box. It had a lot of basics, including a black cape, sword, cowboy hat, cowboy vest, clown wig and nose, black gloves, etc.

    You might be surprised about what you find. One year the store had 24 bag packages of lunch chips for a dollar. This was cheaper than it would cost for me to package them up myself. Happy Hunting!

    -Jill

     

  • Easy Meal Planning Ideas! Planning Proper Meals

    Easy Meal Planning Ideas! Planning Proper Meals

    Here are some easy meal planning ideas to help you save money and time! Many people find planning meals daunting but meal planning can actually be easy! These tips and ideas will help you get started!

    Meal planning ideas to save money and time! Many people find it daunting but it can actually be easy! These tips will help you get started!

    We get so many questions over and over about meals and meal planning. While I was looking up something to answer one reader’s question about meal planning, I came across some notes I had written years ago from a class I had taken.

    This statement I wrote is clear, simple and pretty much covers everything you need to know when preparing a meal.

    Meal Planning 101

    Meals should be planned, be regular, be on time, taste good, be nutritious, fit within your budget, smell good and be attractive.

    It might help to write this statement out and keep it in your kitchen somewhere or with your coupons and meal planning things. Then, as you plan your meals, you can go quickly go over the list and see if your meal satisfies all or most of these points.

    If you remember the above statement, that is all you really need to know about meal planning but I decided to add a little detail to it to give you some ideas about what that statement means.

    Planned Meal planning helps to save money and eliminates the last minute stress of wondering “What am I making tonight for dinner?!” This is the key to all meal planning and probably will save you more money than anything else. If you plan at least a week’s worth of menus. At least plan the night before or that morning what you will have.

    Regular – We often know we need nutritious meals but sometimes don’t realize that having meals on a regular basis really helps our digestive system function better. That means part of good meal planning is picking a time to have dinner close to the same time each day.

    Having regular meals also helps our families emotionally. We are built to like consistency in our lives, especially children. There is something comforting in knowing no matter what frustrating things happened throughout the day, when your family arrives home, there is one constant in their lives – dinner. If you don’t think this is true, try it for a week or two. Then stop doing it and see how your family reacts. Make setting a regular meal time part of your meal planning.

    On time – Getting meals prepared on time can be a little tricky for new cooks. It takes a little practice but you can learn to do it. Start preparing the food that will take the longest to cook first. Then work on the next longest and so on. Also, do as much ahead of time as possible. This goes for everyone. Brand new cooks may want to set the table long before even beginning the meal because it is one less thing to deal with but later, with practice, you can usually set the table while you are waiting for something to cook on the stove. With practice, you will also get to the point where you can toss a salad while you are waiting for the potatoes to cook but this all comes with time. While you are learning, keep your meals simple and composed of just a few easy dishes.

    Taste Good – Pick foods your family likes and learn to cook them. I know this can be a meal planning challenge for some of us. Some people have a harder time learning to cook than others in the same way that some are better at gardening or sewing but you really need to try the best you can to learn some basics.

    It may take a little work but you need to find foods that taste good. You may have to try different brands and varieties of the food. This may mean learning things like being fresh doesn’t always mean something tastes better. Most of the time I can’t tell any difference when I use frozen or fresh broccoli in my cooked foods but I can tell a difference between the brands of frozen broccoli I buy. To save money, use frozen foods if you can’t tell a difference and use the savings to buy fresh foods where you really can tell a difference.

    Be nutritiousI have touched on this a lot in other articles but basically this means you need to learn about nutrients and what your family needs. Study. We grab anything that has organic or healthy written on the label but many of us couldn’t tell you what main foods are more rich in iron or vitamin B. If you are that concerned about your family’s health and insist that you must eat organic, at least learn how many calories and what nutrients are in the food. Read a book or do some research on the Internet. Don’t just read labels.

    Fit your budget – This is simple. You may want to have steak for dinner but your budget only allows chicken, so chicken it is. Staying within your budget when meal planning will help you avoid overspending.

    Smell Good – You truly use all of your senses when you eat. If your family can’t get the food past their noses, it won’t make it into their mouths. Also, food smells have a strong impact on people emotionally, especially when the smells are connected with home and family. Consider how often you hear an adult talk about memories of home and half of the time they mention some smell they remember.

    Be Attractive – Like I mentioned above, we use all of our senses. If the meal doesn’t look good or looks “gross”, they won’t eat it. This should be an important consideration in your meal planning. Don’t forget to use lots of different colored food. Not only does this help with eye appeal but it also is an easy way to know you are giving your family a more nutritionally balanced meal. Many different colors means well balanced. Don’t forget to use different shapes and textures of food, too.

    Meal planning is one of those jobs we tend to let go because we don’t consider them as important or as pressing as other things– kind of like folding clothes and putting them away. We can get them washed and dried but not folded and put away. But doing these things and following through with them can really make our lives easier and get rid of a lot of stress and always saves us money.

    Rethink some things in your life that you are letting slide including your meal planning. You might be surprised a what a difference changing a few things will make.

    -Jill

    [dining]

  • Quick and Easy Homemade Breakfast in 15 Minutes Or Less!

    Quick and Easy Homemade Breakfast in 15 Minutes Or Less!

    Do you feel too overwhelmed to make breakfast? By planning ahead and getting organized, you can have an easy homemade breakfast in 15 minutes or less!

    Here are some great tips for how to make a quick and easy homemade breakfast in 15 minutes or less! A better breakfast that's just as fast or faster than the drive-thru and a lot cheaper!

    Quick and Easy Homemade Breakfast in 15 Minutes Or Less!

    I just finished writing a future newsletter about breakfast and I realized one of the reasons we don’t often eat breakfast is because we have difficulty managing time. Not only is it important to time things to get them done quickly but, when it comes to breakfast preparation, it is important to get everything done at the same time, too. This can sometimes be a big challenge to a beginning cook, but practice makes perfect.

    Here are some helpful tips along with a simple menu I will use for my example:

    Sausage
    Eggs, scrambled
    Toast
    Coffee

    If time is truly tight, then get as much done ahead of time as possible.

    Things to do the night before:

    (All of this should take not more than 5-10 minutes.)

    1. Put the coffee and water in the pot.
    2. If it comes in a roll, slice the sausage into patties.
    3. Put the eggs in a bowl, mixed and ready to go.
    4. Set the bread and butter by the toaster.
    5. Place the pan or griddle on the stove ready for sausage and eggs and stage the oil for cooking by the pans.
    6. Set the table.

    Things to do in the morning:

    1. Start the coffee.
    2. Put the sausage patties in the pans and start cooking them.
    3. Pop the toast in the toaster.
    4. Flip sausages and start cooking the eggs.
    5. Butter toast, stir eggs, dish up sausages and dish up eggs.

    Voila! You’re done!

    Of course, this process can vary from person to person. I’m sure some of us do it differently and I do it differently on some days, too. The point is to think through the order in which you will do things.

    • Start your longest cooking items or things that can be just popped into a pan and need no attention first.
    • Look for areas where you can save time. For example, don’t make trips back and forth to the refrigerator. Get everything you need out at one time and put it all back at one time.
    • Mix and stir items as closely to the things you are cooking on the stove so you don’t have to run back and forth. For example, if you are cutting up a bowl of fruit, cut it near the stove area so you can easily stop and flip the bacon.
    • Write down a list of quick and easy breakfasts to make. For example, place oatmeal in the crock pot overnight, have Egg McMuffins ready to warm and have homemade waffles made and ready to pop in the toaster.
    • Again, do as much as you can ahead of time, like having the table set the night before.

    Most breakfasts for a family of 4 can be made in 15 minutes or less if you are organized. You might find everyone more excited about getting up in the morning and getting dressed if they wake up to the smell of something yummy cooking in the kitchen.

     

    Try these breakfast ideas for your family:

    • Breakfast bowls
    • Breakfast burritos
    • Fresh fruit
    • Oatmeal with fruit
    • Toast with jelly or bacon
    • Breakfast sandwiches
    • Eggs, scrambled, poached or to your taste
    • Hard-boiled eggs
    • Apples, cut into quarters, with core removed
    • Bagels
    • Muffins
    • Dried apples or bananas
    • Oranges, peeled and quartered
    • Pumpkin bread
    • Banana bread
    • Zucchini bread
    • Bananas
    • Crackers and cheese
    • Celery sticks, spread with peanut butter
    • Cheese
    • Homemade granola bars
    • Beef jerky
    • Tortillas with cream cheese
    • Peanut butter snacks
    • Yogurt with fruit or wheat germ added
    • Milk
    • Chocolate milk
    • Homemade hot chocolate
    • Creamy Orange Shake
    • Smoothies 
    • Apples, quartered and cored with 1 tsp. peanut butter on each quarter
    • Bananas sliced in half and spread with peanut butter
    • Bread or toast cut into quarters and spread with jelly, jam, peanut butter, spiced honey or honey butter
    • Crackers spread with peanut butter and jelly or jam
    • Place some peanut butter and honey on a pancake and roll up for a snack. This is great for leftover pancakes.

     

    Many of these easy breakfast ideas and more are from our cookbooks!

    [dining]

     

  • Quick And Easy Banana Split Recipes – Easy Desserts!

    Quick And Easy Banana Split Recipes – Easy Desserts!

    Homemade banana splits are wonderful cool desserts for hot summer days! Try these banana split recipes and ideas and please the whole family! (more…)

  • How To Save Money On Toilet Paper – Which Toilet Paper Is Cheapest?

    How To Save Money On Toilet Paper – Which Toilet Paper Is Cheapest?

    Do you want to know how to save money on toilet paper? We have calculated exactly how much it costs for 19 different toilet papers. Stop flushing money down the toilet! Check out these easy tips to help you figure out how to save money on toilet paper! (more…)

  • Free Homemade Hair Detangler

    Free Homemade Hair Detangler

    Here’s an easy and virtually free homemade hair detangler recipe that will reduce the frustration without spending all that money for the store bought detangler! (more…)

  • Dream Laundry Room Ideas

    Dream Laundry Room Ideas

    Dream Laundry Room Ideas

    Dream Laundry Room Ideas

    From: Cindy M
    This is an idea for handling laundry/clothes that I wish I would have used when my kids were still at home. It would require a good-size laundry room but save a lot of bedroom space. There would be cubbies for everyone – socks, underwear, t-shirts, jeans, anything foldable would go in the cubbies – being folded straight out of the dryer. This would eliminate the need for dressers in the bedroom and the space they would take up. Hanging clothes could either go on a rack in the laundry room if space allows, or in the bedroom closets.

    I have to admit this would be my dream laundry room! Since my laundry room barely has room for me stand in I dream of this type of a laundry room everyday! LOL Tawra

    My dream laundry room would have an eight foot long and four foot deep table that is the perfect height to fold my clothes on easily with the cubbies and rods above it to place things as I fold them. It also would have a place to keep the ironing board up all the time with a rod and cubbies by it to hang the clothes on. Last but not least it would have a rack to hang all those things like dirty dish rags or towels which need to dry before you dump them in the hamper.

    To be honest I love laundry so much I wouldn’t mind dedicating one whole floor to a laundry room. I wonder if more people would enjoy doing it if they didn’t have to do it all in a little 5×3 closet all the time. Cooking and doing laundry are two of the main “have to do” things done in a home and yet they always make theses little tiny rooms to do it in but we create these bathrooms that are so big you could play tennis in them.

    I mean how much room do you need to sit on a toilet or stand at a sink to wash your face??? They give you an 8 foot vanity just to brush your hair and put on make up and often don’t give you even one foot of space to fold clothes.

    They even are now giving you an area in the bathroom so you can have a couch to sit and read on. I’m sorry but I can think of much more pleasant places I would rather read then laying and looking at a toilet that 4 male members of my family just used.  Makes no sense to me. Although if you are a mom with 4 little ones under the age of 5 that might be your only place to relax. : ) : )

    Jill

  • Turn School Supplies Into Christmas Gifts

    Turn School Supplies Into Christmas Gifts

    Just before school, when school supplies are on sale, is a good time to stock up on lots of little gifts that will be great for Christmas! (more…)

  • How To Get Organized

    How To Get Organized

    If you’re asking yourself, how to I begin to get organized, these tips will help you! Getting organized will also help you get out of debt and save money! (more…)

  • 2 Recipes To Clean Burned Pots and Pans

    2 Recipes To Clean Burned Pots and Pans

    Do your pots and pans look like they’ve been to war? It can be a challenge to clean burned pots and pans, but these easy recipes and tips make it easier! (more…)

  • Saving On School Supplies

    Saving On School Supplies

    Most parents resign themselves to an ever increasing list for school supplies, but are all of those costs really necessary? Here’s an easy way to save on school supplies! (more…)

  • Roast with Cranberry Sauce and Leftovers

    Roast with Cranberry Sauce and Leftovers

    cranberry sauce roast

    Roast with Cranberry Sauce and Leftovers

    From: Shelley
    I loved your recipe for the cranberry roast (see below). It was awesome. The next day, I heated the leftover roast and gravy added about a tablespoon of soy sauce and 1/2 a bag of broccoli florets. I served that over ramen noodles and it made a wonderful broccoli beef type dish.

    A lot cheaper than take out!

          -Shelley

     

    Cranberry Roast

    1 pkg. dry onion soup mix
    1 (3lb) roast
    1 can (16 oz) cranberry sauce

    Pour soup mix in a crockpot. Add roast and top with cranberry sauce. Cover and cook for 8 hours. To thicken gravy, mix 1 Tbsp. cornstarch and water and add to gravy. You can add carrots and potatoes 4 hours into cooking.

     

    Photo By: matthewreid

  • Teach Your Kids About Money

    Teach Your Kids About Money

    Teach your kids about money

    Here’s a real life example of a great way to teach your kids about money.

    I was on welfare for a while when my kids were younger. Of course, getting only one check per month made the lack of cash flow more obvious. One day, when I said we couldn’t afford something, they asked, “Why not – you just got that big check?!”

    So, I sat them down and wrote the numbers down side by side. I wrote how much the check was on one side and how much I had to pay to others on the other side. I subtracted as I went and they saw the “big” check going down faster than they realized.

    They never bugged me after that quite like they had before. I derived the idea from a different idea about how to show kids the realities of cost and the dreams they have about sports cars, big houses, etc. I just adapted it for my situation. I know most parents don’t really want to tell their salaries, but sometimes it can help kids to understand when things are tight.

          -Wendy

     

    This is a great idea. I have never understood why parents won’t tell their kids their incomes and let the kids sit down with them while they are paying the bills. This is probably one the best things you could ever do with your kids.

          -Tawra

     

    Not only that, but it teaches and gives children a better idea how to use a checkbook, balance a checkbook, be responsible with credits cards and generally make better financial decisions. I am so surprised about how many adults don’t have a clue where to begin teaching their children any of these things. Once again, it shows how important it is to train your children in every area, including finances.

          -Jill

     

    Photo By: Betsssssy

  • Hash Brown Bake

    Hash Brown Bake

    Delicious Hash Brown Bake

    This recipe is a great quick and easy way to use leftovers! You can add fried sausage, crumbled bacon or diced ham to this recipe and use it for breakfast. If you have leftover hamburger, toss it or some veggies in for dinner.

    Years ago, one of the mainstays of people’s diets was hash, which is all the leftovers from the previous day thrown together with some finely diced or grated potatoes and fried in a pan. I wonder if that is why they are called “hash” browns because it was what everyone used for hash?

          -Jill

     

    Hash Brown Bake

    2 lbs. frozen hash browns (slightly thawed)
    1/2 cup melted butter
    1/2 tsp. salt
    1/4 tsp. pepper
    1/2 cup chopped onion
    1 can cream of chicken or celery soup
    8 oz. sour cream
    2 cups shredded Cheddar cheese
    3/4 cup crushed potato chips

    Combine all except 1/2 cup cheese and potato chips. Place in a 9×13 baking dish. Cover with remaining cheese and potato chips. Bake for 1 1/4 hours at 350°.

    For more money saving recipes and tips, check out the Dining On A Dime Cookbook.

    photo by:  lindstorm

  • Creamy Fajitas And Apple Plum Crisp Recipes

    Creamy Fajitas And Apple Plum Crisp Recipes

    Creamy Fajitas And Apple Plum Crisp Recipes

    Try this creamy fajitas recipe, fajitas with a twist, along with a delicious apple plum crisp recipe and more to round out this easy and delicious menu! (more…)

  • Fresh Christmas Tree Care

    Fresh Christmas Tree Care

     

    Fresh Christmas Tree Care

    If you are buying a fresh tree this year, remember it needs to be watered and watered A LOT. You don’t have to buy special tree extender stuff or food. Just water it and water it.

    In our area I have noticed that most real trees go on sale December 15th, so if you don’t need to have one early you might consider waiting until then.

    Also I know we so often think bigger is better but be sure you get a tree that will fit into your house. This seems like an obvious thing but I once sold a nine foot tree to a lady. I kept asking her if she was sure it would fit into her house because, at that time, most people had 8 foot ceilings, but she insisted it would work. A week later she came back and wanted her money back because she couldn’t fit the tree into her living room.

    Jill

    Your advice on keeping a fresh Christmas tree watered reminded me of a tip I got from the lady we buy our real tree from. She always told us that when we got the tree home, to cut approximately a 1/4″ to a 1/2″ off of the bottom of the trunk. This will give you a new fresh end for the tree to “drink” from. Also, drill a small diameter hole (3/8″ to 1/2″) from the bottom of the trunk up into the center. This will insure that water will get deep inside the trunk as well. We do it every year and it works great!! From: Dave V.

    photo by: chippenziedeutch

  • Save Money Dyeing Clothes and Fabrics

    Save Money Dyeing Clothes and Fabrics

    Dyeing Clothes and Fabrics

    Save Money Dyeing Clothes and Fabrics

    I was checking out at Jo Ann Fabrics today. The woman in line with me looked at the box of dye I was holding and asked what is that and what do you use it for? I have talked about dye before but thought maybe some of our new readers need me to mention it again. I forget that many people don’t have a clue on how to use dye or even that the average person can use it. It is one of those things that is thought of as having strange magical powers and if you aren’t careful it might explode or, even worse, change your favorite red top to purple.

    Believe it or not, years ago when I was growing up the average home had a small collection of several different colors of dyes on the pantry shelf. It was used all of the time. In those days, people were more of the mind that you don’t throw anything out, so to make those red towels look nice in your purple bathroom, you would dye them to match. You wouldn’t dream of getting rid of them and buying more just to make everything match.

    Now, if a pair of pants fade we just toss them or wear them faded. But it really doesn’t need to be that way. I bought myself a box of denim blue dye. I have 2 pairs of shorts and 2 pairs of jeans which are in perfect condition. They are just badly faded. I will dye them together with some faded navy socks and they will look like new. The next time I go, I will get a box of black dye and dye my black jeans, t-shirts and socks.

    I figure if I can’t wear the item except around the house anyway what do I have to lose if I ruin it? …although it really is hard to ruin anything.

    I also use dye with my fabric. If I have some really ugly fabric, I just toss it in with a color of dye or tea dye and usually come up with something really great.

    If you need three yards of orange or green fabric for a Halloween costume but you only have three yards of white muslin, cream fabric or even an old sheet, just dye them orange and then make your costume. The dye is much cheaper than buying new fabric.

    If you have some ugly brown fabric but need a black cape, dye the brown fabric black. Maybe you already have a brown cape but need a black one. Just dye the cape, dress or whatever you are using for a costume the color you need.

    Dye is so easy to use. I would start simply so you can get used to working with the dye. You might try dyeing something like black socks and t-shirts, which you would probably throw out anyway because they are faded.

    Dye comes in liquid or powder form and they both work fine. I like them both equally as well. Follow the instructions on the package, which usually say to dissolve the dye, dump it in the machine with some salt, wash and dry. It is about as easy as doing a load of laundry. You can also hand dye things if you don’t have a machine.

    If you are throwing those pants away because they are faded, try dyeing them and see what happens. Dye isn’t expensive. I use my Jo Ann Fabrics coupon and get it half price for about $1.25. You can get it at Wal-Mart and even some dollar stores or grocery stores.

          -Jill

    Note: You can also mix the dye in a cup or two of water (depending on how dark you want it) and use it as a stain for wood things, like furniture. You don’t need to mix the liquid to use as a stain.

     

  • Time and Money Saving Tips and Ideas

    Time and Money Saving Tips and Ideas

    Time and Money Saving Tips and Ideas

    Here is an odd collection of tips that you might find useful:

    This morning I went to buy eggs. I usually try to get them on sale but couldn’t find any. Since I needed the eggs right then, I had no choice but to pay full price, so I bought a carton of medium eggs.

    Sometimes we automatically buy the large eggs (we do that with so many things) thinking that they are the best but for my purpose (baking), the medium eggs worked just fine and they were cheaper.

    If you are having trouble with a recipe being extra sticky or not quite right in some other way, you might change your egg size and see if that helps.

    Another thing I did this morning was hang my clothes out. After writing an e-book about laundry and how to hang clothes on the line I didn’t think I had missed anything. As I was hanging some T-shirts on the clothesline, I noticed that one of them was sagging in the middle, so I pinned it on the line and I re did it. You need to hang the items taut on the line, not stretched too tight but not sagging. This helps get rid of much of the wrinkling that some of us experience. Sometimes we tend to let our clothes sag in the middle to give us more clothesline space but don’t do this. It’ll only make more work for you.

    Here are some more useful miscellaneous ideas:

    • If you lose the plug for your bathtub, use a golf ball. If it happens to get dislodged, it just rolls right back into place.
    • Rub hair conditioner on your shower curtain rod to make your shower curtain slide more smoothly.
    • Wipe up those spills. I know I sound like a parrot but if you spill something on your stove top, clean it right away. If you turn on a burner or  your oven, the mess bakes and hardens on the stove. I recently heard about a new way of doing finger nail polish and guess what they use to make it harden and stick more firmly? -Heat. The same principle works with your stove, so don’t wait to wipe up the mess.

    I hope some of these ideas help make your day go more “smoothly”. : ) Have a super day everyone!

          -Jill

    Photo By: Brenda Gottsabend

  • Save Money On Your Water Bill Doing Dishes

    Save Money On Your Water Bill Doing Dishes

     

    Don’t Rinse Money Down the Drain

    At an average of 120.00/month, our water bill is our most expensive utility (due to private ownership of the local water company, no regulatory oversight, etc.). One way I save money is to use all of the frugal settings on my dishwasher. I use the water miser, the light wash, and of course, the air dry settings (to save on electricity). All of my savings were going “down the drain”, however, when my 15 year old daughter loaded the dishwasher. She was running the water the entire time she rinsed the dishes, even though I told her how to do it a different, more frugal way. So, I assigned other chores to her and now do the dishes myself. I am happier that it gets done my way and it also saves on our water bill.

          -Sharon Y.

     

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  • Preventing Bills From Getting Lost

    I thought I’d share a short post about preventing your bills from getting lost. If you keep things organized you can save money on fees and reduce the stress of worrying about bills being late.

    Margaret Writes:

    Our bills are sorted by date–the due date is written on the envelope. Then the pile is organized by due date, with the ones due soonest on top. These are paper clipped in the checkbook. Top bill gets paid first.

          -Margaret

    My system is similar. I line my bills in order in a napkin holder (one that just has 2 bars to hold the napkins because I can see the bills easier), with my checkbook behind them.

     

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  • Apple Barn Soup Menu – Easy Vegetable Soup Recipe

    Apple Barn Soup Menu – Easy Vegetable Soup Recipe

    Apple Barn Soup - Easy Vegetable Soup Recipe

    Easy Vegetable Soup Recipe and Menu

    Tips:

    If you don’t have time to make cornbread or are out of crackers when serving soup, serve it with some of your favorite seasoned croutons.

    It is so easy to make your own croutons. You can use any old, dried bread you want but tougher breads like French bread work best. This is a good way to use things like leftover hamburger buns, bagels or dinner rolls.

    All croutons store well an airtight containers for a couple of weeks.

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