Tag: Saving Money Everyday

  • 27 Cheap But Cute Easter Basket Ideas

    27 Cheap But Cute Easter Basket Ideas

    Do you need good but inexpensive Easter gift ideas for the kids? Here are 27 cheap but cute Easter basket ideas to save you money this Easter. These Easter basket ideas are cute, fun and easily customizable for each recipient! (more…)

  • 12 Tips for Beautiful Nails and Hands

    12 Tips for Beautiful Nails and Hands

    These 12 tips for beautiful nails and hands will get your nails and hands in tip-top shape and keep them looking and feeling amazing!

    These 12 tips for beautiful nails and hands will get your nails and hands in tip-top shape and keep them looking and feeling amazing!

    Whether your hands and nails are suffering or whether you’d just like to pamper yourself, try these 12 tips for beautiful nails and hands! These are easy things you can do to keep your hands healthy and radiant!

    Tips for Beautiful Nails and Hands

    • To soften hands or feet, rub liberally with petroleum jelly, put on a pair of gloves or socks and wear overnight.
    • Use a nail buffer to shine nails between manicures.
    • Cut a slit into the center of a sponge. Place the sponge into a small container and fill with nail polish remover. Dip fingernail in slit and slide around to remove polish.
    • Use an old toothbrush as a nail brush.
    • Go to the local beauty school to have manicures, pedicures and facials. You can feel pampered without spending a fortune. Five bucks is a great deal for a facial!
    • Wash dry hands with a small amount of cornmeal or sugar mixed with water. It will remove the dry skin. Thanks to Cyndi in California
    • When finished eating a grapefruit or lemon, place your elbows in the halves for 10-30 minutes to soften them. (Thanks to Erin in Washington for this tip.)
    • Purchase nail care kits at half price after Christmas and other holidays. You can get several polishes and tools for $2-$4.
    • An easy way to remove cuticles is to rub them with oil. Then gently push back the cuticles. I saw a product that was a miracle treatment for nails. It was $29 for about a tablespoon of it. Guess what the ingredient was? — vegetable oil.
    • Save the cotton from aspirin bottles. Use for your face or for manicures.
    • Thin thickened nail polish using nail polish thinner (not remover!). It’s found by the nail polish remover.
    • Soak nails in lemon juice to remove stains.

    For lots of easy tips and recipes for elegant all-natural homemade bath and beauty products, take a look at our Pretty for Pennies Frugal Bath and Beauty Guide!

    Pretty for Pennies is also included in our Dining On a Dime Cookbook, Volume 1:

    [dining]

  • 10 Organizing Secrets – Easy Organizing Ideas You Can Use Today!

    10 Organizing Secrets – Easy Organizing Ideas You Can Use Today!

    Have you ever wondered why organizing seems so easy for some people but not for others? Discover the top 10 effective and easy organizing ideas that will transform your cluttered space into a tidy and well-organized one. Learn the secrets of highly organized individuals and start implementing their tried and true methods today! Say goodbye to chaos and hello to a stress-free environment with these expert tips.

    Discover the top 10 effective and easy organizing ideas that will transform your cluttered space into a tidy and well-organized one. Learn the secrets of highly organized individuals and start implementing their tried and true methods today! Say goodbye to chaos and hello to a stress-free environment with these expert tips.

    Easy Organizing Ideas

    Organizing idea #1: Never stop picking up.

    • Try picking up during TV commercials or while you are waiting for something to boil on the stove. You will be amazed how much you can get done in five minutes.
    • Have the entire family spend five minutes picking up the family room or living room before they go to bed. Set a timer for young kids so they don’t get overwhelmed.If your family members go to bed at different times then have each member pick up his or her items before bed time. Once this becomes a habit, you will be amazed how much easier organizing becomes.

    Organizing idea #2: Stop making messes.

    • Keep a trash can in every room. No one likes carrying one small piece of trash from the family room to the kitchen so it usually ends up on the floor. Keep small trash cans everywhere. In our office we have two trash cans, one next to the desk for throwing away regular office trash and one next to the shipping table for throwing away envelope tabs, extra invoices and other shipping trash. If you need two trash cans in a room put them in there. Make it easy to keep things clean.
    • Throw that sticky food wrapper straight into the trash. Don’t lay it on the counter to make another mess that needs to be wiped up later.
    • Don’t lay that dirty spoon on the counter. Rinse it and put it in the sink or dishwasher.
    • As you’re undressing, don’t throw your dirty clothes on the floor or on the furniture. While they are still in your hand, put them in the hamper or if they’re still clean, hang them up.
    • Keep the hamper close to where you undress at night. If it is convenient, you will be more likely to use it and it’ll be easier to stay organized.
    • Before you leave the bathroom, hang your wet towel on the rod. Don’t drop it on the floor or leave it in a pile.

    Organizing idea #3: Think ahead and organize for the future.

    Organizing idea #4: Never, Never Procrastinate.

    • Keep straightening and organizing things all the time. For example, when you put away groceries and you see that the cans of soup have fallen over, take two seconds to restack them.
    • When you put linens or clothes in their drawers, make sure everything in those drawers is neatly stacked.
    • Pick up as you go. Each time you walk through a room, pick up something.
    • Stop thinking about it! Just do it.

    Organizing idea #5: Don’t give up. Practice makes perfect.

    • Train family members to rinse their own dishes and stack them in the sink (or better yet to put them directly into the dishwasher). It may take a while to develop this habit. For kids, you may want to do something like charge each member a dime for every dish not rinsed or make them responsible for doing all the dishes for a week.
    • Remember Thomas Edison? What if he had given up after his first 5, 10, or 100 light bulbs? Where would we be now if he had thrown up his hands and quit at his first failures? The same is true with getting and staying organized. Keep practicing and you will create a productive new habit.

    Organizing idea #6: Attitude, Attitude, Attitude.

    • Stop dreading getting organized and taking care of your home and start taking pride and pleasure in it. Think of an organized home as a special gift of peace and pleasure that you are giving your family. A disorganized one causes turmoil and frustration. Besides — You probably spend more time worrying about it than it would take to clean it.

    Organizing idea #7: Use rooms for their intended purposes.

    • Don’t let kids get undressed in the family room – that’s why they have bedrooms.
    • Eat food at the kitchen table or bar, not in bed. This alone can save a huge number of messes.
    • Fold laundry in the laundry room immediately after taking it out of the dryer and put it away immediately.

    Organizing idea #8: Be a wise steward of your time.

    • If you see something that needs to be clean, clean it as soon as possible.
    • If something doesn’t need to be cleaned, don’t waste your time. If there is no dust, don’t just dust because you dust every Saturday.
    • Don’t overbook yourself volunteering at schools, churches or charities. Learn to say “no”. Notice that I didn’t say don’t do these things at all, just control how much you do so they don’t take over your life.
    • Don’t overbook your children with their activities, either.
    • Get rid of fruitless activities. Many of us spend way too much time talking on the phone, watching TV, shopping unnecessarily or killing time on the computer. These are all time robbers when you devote a lot of time to them.

    Organizing idea #9: Keep on top of things.

    • If you do small cleaning and organizing tasks every day, you’d be surprised how much you can accomplish. In ten minute increments, you can do each of the following: wash the dishes, vacuum, file a pile of papers or clean your purse. It shouldn’t take more than ten minutes for each child to pick up and organize his room before bed and to lay out his clothes for the morning.
    • Don’t let the laundry, dishes, toys and paperwork get out of control.

    Organizing idea #10: Don’t be afraid to let go.

    • Don’t become so emotionally attached to your stuff you can let it go when it is no longer useful and not needed any more.
    • The less mounds and piles of things and stuff you have the less time you need to spend organizing it, finding a place or it and taking care of it.

    [organizing]

    [dining]

  • Save Money In The Kitchen – Easy Ways To Save on Groceries

    Save Money In The Kitchen – Easy Ways To Save on Groceries

    If you’re spending too much on your food bill, here are some easy ways to save money on groceries! Most people spend too much because they don’t know these simple tips!

    If you're spending too much on your food bill, here are some easy ways to save money on groceries! Most people spend too much because they don't know these simple tips!

    Save Money in the Kitchen

    If your grocery bill feels out of control, you’re not alone. For many people, cutting back on grocery budgets can be overwhelming. They know they’re spending too much, but don’t know where to begin to cut. Often, they fear that they will deprive themselves and their children if they become frugal.

    The good news is that there are ways to have your cake, eat it and save money in the kitchen at the same time. The whole secret is to start slowly.

    There are countless ways you can cut your food bill, but if you need to, target just one thing at a time. You won’t get overwhelmed, but you will still be saving money if you do only one thing.

    If you are a frugal beginner, try these simple suggestions for saving on your food bill:

    • Cooking frugally is like changing your diet. You need to learn gradually how to save money and cook frugally. Don’t expect that you will get your food bill down to $300 for four people in the first month if you are spending $600 a month right now.
    • Try cutting just $25.00 or $50.00 a month. Even if you cut back only $50.00 a month, you will save $600.00 a year. If you save just $1.00 a day that is $365.00 a year. You can then apply that $365.00 a year to paying off your credit cards. At 21 percent interest, you will save over $70 a year. This will eventually cause a snowball effect since the more you pay off, the less you pay to interest. When you pay less to interest, you have more each month to apply to paying off your overall debt. This means that as you pay off the debt, the rate that you can pay it off increases.
    • Before you shop, take a tour through your pantry and your refrigerator. Be organized! Don’t buy what’s already hiding in your kitchen.
    • If you’re a fan of coupons, remember this: It’s not what you save, it’s what you spend. If you save 30 cents on something you wouldn’t ordinarily buy anyway, you haven’t really saved anything.
    • A typical fruit item is significantly larger than one serving. Most people would be just as happy eating a small apple as eating a large one — so buy smaller fruits! You will save money by the pound.
    • This month, try two meatless meals a week (or one, if you’re a die hard meat fan).
    • Make simple meals. One-dish meals can contain your meat, your vegetable and your bread.
    • Drink water for your meals.
      • If your family is used to drinking milk, juice or pop for every meal then start by cutting juice from one meal or snack a day and drinking only water. After you get used to this, cut from another meal until you drink only water for meals and a glass of juice or milk at snack time.
      • You can also try allowing one glass of juice at meal times. Then serve water after the juice is gone.
      • You save over $500.00 a year by cutting just one glass of juice per person per day for a family of four.
    • Don’t assume that homemade is cheaper. If you get a VERY GOOD deal on chocolate chips and ingredients for candies, it is cheaper to make them than buying them pre-made. Make sure you do the calculations, though! If you don’t purchase them on sale, homemade candies can be more expensive than candies purchased at the store.
    • Stop wasting food. Give young children small portions. They can always have more if they are still hungry. Give them a half glass of juice and a half sandwich so you don’t waste uneaten food. Put food in the refrigerator right after the meal so it doesn’t spoil. Use leftovers for lunches, in other dishes or frozen in one portion sizes for a quick meal.
    • Don’t buy everything at one store. Prices vary greatly from one store to the next. Go to different stores to buy only their sale items. You will save more than the cost of your gas. It usually only takes half an hour to 45 minutes per store to get the items that are on sale including driving time. If you save a minimum of $20-$30 per trip, it is like “earning” $40-$60 an hour. If you save $60 spending one hour going to two different stores, it is four extra hours you might not have to work to pay for that same food purchased at the regular price.

    Most people don’t think they can live the frugal life and still be comfortable. I feed my family for $100 per person per month. Early in our marriage, when our household income averaged $22,000 a year, we paid off $20,000 in debt in five years—essentially an entire year’s income.

    That same principle still applies today.

    Even if you earn significantly more now, the math doesn’t change. Paying off one year’s income over five years is very achievable when you control everyday expenses—especially groceries. The higher your income, the easier it becomes if you avoid lifestyle creep and put those dollars to work intentionally.

    Keeping our grocery budget low was one of the key ways we made it happen. Small, consistent savings added up month after month—and they can for you, too. When cutting your grocery bill, it’s the little things that add up.

    [dining]

  • 6 Ways To Save On Your Grocery Bill – Easy Ideas Add Up Fast!

    6 Ways To Save On Your Grocery Bill – Easy Ideas Add Up Fast!

    One of the easiest places in your family budget to save money is on your food bill! Here are 6 simple, practical ways to cut your grocery bill and take control of your food spending. This post shares real-life strategies for frugal beginners, plus an easy, budget-friendly Green Chile recipe that shows how small changes can lead to big savings!

    One of the easiest places in your family budget to save money is on your food bill! Here are 6 simple, practical ways to cut your grocery bill and take control of your food spending. This post shares real-life strategies for frugal beginners, plus an easy, budget-friendly Green Chile recipe that shows how small changes can lead to big savings.

    6 Ways To Save On Your Grocery Bill

    For many people, making the decision to switch from two incomes to one can be a scary experience. You may know you’re spending too much, but figuring out where to start cutting back can be intimidating..

    Most people don’t think they can live the frugal life and still be comfortable. I currently feed my family of 4 on $400 per month. Back when we were first married, my husband earned an average of $22,000 per year over 5 years. During that same time, we paid off $20,000 in debt. Today, that means these same ideas can help you pay off debt equal to nearly a year’s income—simply by making small, consistent changes.ears.

    There are countless ways to save money, but if you’re new to frugal living, it’s best to start with simple, manageable steps. Your grocery bill is one of the easiest places to see quick results.

    • Before you shop, take a tour through your pantry and your refrigerator. Be organized!
    • Don’t buy what’s already hiding in your kitchen.
    • If you are a fan of coupons, remember this: It’s not what you save, it’s what you spend. If you save 30 cents on something you wouldn’t ordinarily buy anyway, you haven’t really saved anything.
    • A typical fruit item is significantly larger than one serving. Most people would be just as happy eating a small apple as eating a large one — so buy smaller fruits!
    • This month, try two meatless meals a week. Try one or two meatless meals each week. When you do use meat, treat it as an ingredient rather than the main dish. Recipes like the Green Chile below stretch as little as ½–1 pound of meat into multiple meals.
    • Cut back on the juice and milk. Reducing juice and milk purchases can free up money to buy sale items, which can help lower your grocery bill even more next month.

    [dining]

    This easy green chile recipe makes a light tasty meal when eaten with tortillas, but can also be used to top a lot of different Mexican themed dishes! It's super delicious!
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    Easy Green Chile Recipe

    5 Stars 4 Stars 3 Stars 2 Stars 1 Star

    5 from 1 review

    • Author: Tawra Kellam

    Ingredients

    1/21 lb. pork roast, or chops cubed into small pieces
    10 1/2 oz. chicken broth
    1 onion, finely chopped
    1/4 – 1/2 tsp. garlic powder
    1 (7 oz.) can green chiles, diced
    1/4 jalapeno, finely chopped
    1 Tbsp. butter
    1 tsp. salt
    2 Tbsp. flour or cornstarch, dissolved in water
    flour tortillas (or corn tortillas if you’re gluten free)

    Toppings

    cheddar cheese, grated
    lettuce, shredded
    tomato
    sour cream

    Instructions

    1. Simmer pork in broth on low for 10 minutes.
    2. Add all of the other ingredients except flour.
    3. Simmer 45 minutes.
    4. Thicken with flour or cornstarch so it is like a thick soup.
    5. Spoon about 1/4 cup into the center of a flour tortilla.
    6. Roll up tortilla.
    7. Top with more green chile.
    8. Sprinkle with cheese, lettuce and tomato.
    9. Top with sour cream, if desired.

    This green chile freezes really well.

    Notes

    • This easy green chile recipe calls for pork, but I also occasionally make it with cubed cooked chicken.
    • This recipe is a great way to use leftover pork or chicken.
    • If you like, you can make the green chile and instead of serving wrapped in a tortilla, you can use to pour over your favorite Mexican dishes like burritos or enchiladas.
    • This green chile recipe is also good served over rice and garnished with the cheese, lettuce and other toppings.

    Staying home and managing your budget isn’t about making drastic sacrifices—it’s about realizing that small changes add up over time. It’s the little things that really add up!

    Tawra

  • How Much Is Clutter Costing You?

    How Much Is Clutter Costing You?

    Living with clutter can have serious financial and emotional costs many of us might not have considered. Here are some thoughts about the cost of clutter and ideas about how to get it under control.

    How Much Is Clutter Costing You? Living with clutter can have serious financial and emotional costs. Here are some ideas about how to get it under control.

    How Much Is Clutter Costing You?

    We live in a society of extremes. People seem to be extremely in debt, extremely overweight and extremely disorganized. People everywhere are trying to come up with newer and better solutions to solve these problems but not many of their ideas are working.

    The solutions aren’t working because they are focusing on the wrong problem. For example, if your child comes to you and says “I have a drug problem.” You don’t sit them down and say, “Well let’s work on a way to get your grades up and then we’ll work on your drug problem.” How foolish that would be. The real problem is not the grades but the drugs. You take care of the drugs and the chances are pretty good that the grades will come up.

    For some of us, instead of focusing on getting out of debt or losing weight, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate.

    How often do you go out to eat because your kitchen is a mess? If your kitchen is clean, chances are you would not only be more willing to fix dinner at home but in the morning you would fix breakfast and pack yourself a lunch, too.

    Here are some benefits of getting your kitchen organized:

    Organizing can reduce your wardrobe and laundry costs.

    • Do you keep buying more clothes because you are gaining weight from fast food or from the stress of your clutter?
    • How big is your wardrobe? Do you or your children own 30 pairs of jeans at $60 a pop because you don’t keep up with the laundry or because your closet is so stuffed you can’t find anything? That adds up to $1,800 worth of jeans. If you cut it down to even 10 pairs you would save $1,200. How many tops do you own? How about those shoes? Before you say, “There is no way I have that many jeans, shoes, or tops!” go count you clothes. You may be surprised…
    • How often do you toss a suit jacket on the floor or on the furniture and then later have to have it dry-cleaned because it’s wrinkled? Just think about what you could save on your dry cleaning bill if you kept a little more organized.

    Organizing can save you money in every aspect of your life.

    • Do you buy new items because you can’t find something? The cost of things like tools, glue, tape, ropes, garden tools, kitchen items, light bulbs, batteries, office supplies and other things really adds up.
    • How much do you pay each month in late fees on your bills because you can’t find them, your checkbook or even a stamp to mail them?

    Who is taking care of your home?

    Often, we think that the solution to our debt problem is for both spouses to work outside the home. At times we even compound the problem when one or both spouses take a second job.

    When both spouses work out of the home, who takes care of the house? Frequently, there is a constant battle between them about whose job it is to take care of some element of the housework. After all, the husband has been out working all day, so he doesn’t feel like it. Oh, but the wife has been working, too, so why can’t she take a break?

    Imagine if your boss at work decided to work a second full time job. How would this impact your workplace? Who would you ask if you couldn’t find products for your customers? What if there was no change because your boss was at his other job until after the bank closed? What if you needed help or advice from your boss, but he said, “Not now… I’m too tired from my other job?” How long would that company last? The same thing happens in many homes every day.

    Try something different!

    Would your family be better served if one spouse stayed home? Someone needs to be responsible for the bulk of the care and maintenance of the home and family. Ideally, everyone will share the work, but like in any other business, there has to be one person in charge. Otherwise, everyone will avoid the work and everything will descend into chaos.

    If this sounds like your home, you might sit down with your spouse and seriously consider whether one of you might take off work to try to get your home in order. Instead of thinking of staying at home as a prison sentence, think of it as another job to help save you money, reduce family stress and add more family comfort.

    If you’re considering staying home, get rid of the emotions and, with pen and paper (hopefully you can find one) in hand, write down the ways that being disorganized is costing you money. Be honest and try to cover even the small things. You might find that the money you are spending dealing with disorganization is equal to or more than one spouse’s take home pay.

    Organization has nothing to do with what is politically correct or what the media or other people tell you you need to do. It is a practical choice that you can make. I am NOT saying that you can’t work doing something that you love. I am saying that regardless of how your family handles it, the work of keeping the home has to get done.

    But we both want to work outside the home…

    If you feel that you and your spouse have to or both want to work, then try to come up with other ideas.

    • Would spending your vacation organizing things and deep cleaning give you enough of a jump start to help keep things organized? Maybe once you organized everything you could consider hiring someone to clean your house once a week. Before you say you can’t afford it, think about this: Which would cost less? Paying someone $50 a week to clean your house or paying for all the things that cost you money because you are not organized?
    • Consider whether it would be worth one spouse working part time instead of full time.
    • Try one simple thing like hanging up your clothes so you don’t have a cleaner’s expense or getting the whole family to pitch in with cleaning the kitchen at the end of each meal.

    What if you don’t know HOW To get organized?

    Maybe you do have the time, but you just don’t know how to get organized. If that is the case, then learn. Check out books at the library or search for help on the Internet. Better yet, find someone you know who is organized and ask them to teach you. Don’t be embarrassed to do this. Most people are more than willing to show you how to do things. Remember, those older women (and men) that seem to have it all together now didn’t start out that way. They’ve had 20 years or more practice and they remember what it was like to not have a clue where to start. Just ask.

    Instead of wasting your time and energy trying to bail the water out of your sinking boat by bailing faster or using a bigger bucket, fix the hole. CLEAN UP THE CLUTTER AND SAVE.

    [dining]

  • 10 Tips To Save Money On Clothes

    10 Tips To Save Money On Clothes

    Learning to save money on clothes is one significant way to cut your spending and get out of debt. These easy tips will help you reduce your clothes budget!

    Learning to save money on clothes is one significant way to cut your spending and get out of debt. These easy tips will help you reduce your clothes budget!

    10 Tips To Save Money On Clothes

    We get so many questions about how to save money on groceries but very few about how to save money on clothes, even though many people spend two or three times as much per month on clothes than they do on their groceries.

    I was talking to a woman recently who was bemoaning the fact she had just lost her job and didn’t know what she was going to do for medical insurance. Then she started talking about how much she loved her clothes and couldn’t give up buying them. She had a large collection of shoes, purses and tops. She owned over 150 pairs of pants.

    It hadn’t even dawned on her that if she had taken the money she had spent on all those clothes she could have easily paid for many years worth of insurance. It’s time we start rethinking our clothing budgets.

    Try these tips to save some money on your clothing budget:

    1. Stop shopping for clothes because of the “high” it gives you. When you use shopping as a drug, you no longer think rationally about how much money you’re spending.
    2. Stop shopping for clothes because it builds your self esteem. Yes, clothes do make us feel good about ourselves and there is nothing wrong with that, but you don’t need 150 pairs of pants to do that. Shopping for self esteem is trying to fix an emotional problem with a physical solution and that will get you nowhere. That makes as much sense as discovering that your car ran out of gas and trying to solve the problem by washing it to try and make it run again. You’re working on the wrong problem.
    3. Plan your family’s wardrobes. Don’t just buy a cute top and take it home hoping you’ll find something to go with it. If you need a suit jacket, get one you can wear to the office or that you can wear casually with jeans. Do you really need five pairs of black pants? Instead of buying another pair of black pants, why not buy a white blouse that will go with that pair of pants and skirt that you already have but that doesn’t match anything else?
    4. One way to save money on clothes is to take care of the clothes that you do have:
      • If things aren’t dirty, wear them again. The less you wash things the longer they last. (Of course, I don’t mean underwear.)
      • Hang up the clothes you can wear again when you take them off. So many kids and adults just drop their clothes on the floor when they take them off and later throw them in the laundry so they don’t have to hang them up. Not only does this cause you twice as much work, It puts unnecessary wear and tear on your clothes.
    5. Learn basic sewing. Basic sewing is easier than you think. Don’t get rid of that shirt because it is missing a button. Don’t throw out your daughter’s jeans because they have a hole. Take two minutes to sew a button on the shirt or an appliqué on the jeans. (Yes, it really does take two minutes to sew on a button. Time yourself next time. You’ll be surprised.)
    1. Use the clothes you do have well. If jeans have a hole that can’t be fixed then have the kids wear them for play clothes or cut them off for shorts. If that dress of yours is getting outdated, take out the shoulder pads or add shoulder pads (depending on the style),or take up or let down the hem. Update your outfits with different accessories.
    2. Hang clothes on the line or rack to dry when possible. Dryers create a lot more wear and tear on the fabrics and usually destroy all elastic.

    I do live in the real world and know that most people, like me, love clothes so I’m not saying don’t ever buy anything new. If you’re serious about controlling your spending or reducing debt then don’t let your clothes shopping get out of control. You can save money on clothes and still buy clothes.

    Remember: Stop buying clothes to satisfy your emotional needs. This will save you not only money, but also time, energy and the stress of taking care of all the clutter those extra clothes will cause.

    Additional Tips To Make Your Clothes Last Longer And Save Money:

    • If you are having a hard time removing the stains around collars and cuffs, try using abrasive hand cleaner or shampoo.
    • When dealing with stains, try using the same product on your clothes that you use to clean the part of your body adjacent to the stain. For example, use shampoo to remove collar stains, use your face cleanser to remove make up stains or use the soap that your husband uses on his hands after working on the car to remove grease and oil. Of course always spot test everything first so that you don’t ruin the garment with the cleaner.

    -Jill

    [organizing]

  • Get Organized Now! Motivation And Practical Tips To Get Organized!

    Get Organized Now! Motivation And Practical Tips To Get Organized!

    Here’s some motivation to help you get organized now including a look at how getting organized today will dramatically improve your life and tips to organize better!

    Motivation to help you get organized now including how organizing will dramatically improve your life and practical tips to get organized!

    Get Organized Now! Why It’s Important to Get Organized

    I’m not sure if it is because I’m taking down the now very dusty and sad looking Christmas decorations or because it is the beginning of a new year when we all want a fresh start, but I always get the urge to clean and get organized in January. I love to get organized. Just ask my kids. As a matter of fact, I drive them crazy trying to organize everything. That’s a mother’s job isn’t it? (Not to organize but to drive your children crazy. HA!HA!)

    I have even started writing a book on how to get organized but, ironically enough, I can’t seem to finish it because I can’t get the material “organized” :-). Well, I guess you win some and you lose some. (Update: We did finish part of it here. :-)

    At this point you are probably wondering what organizing has to do with saving money. Lots. Being disorganized is not just frustrating, but expensive.

    Hopefully you have read my article, Dirty Dishes Cause Debt. So often we go out to eat because our kitchens are such messes it is impossible to cook in them. Keeping in mind that going out to eat is one of the leading causes of debt, you can see how just having a clean organized kitchen can help save a lot of money.

    Have you had to pay a late fee on a bill because it was buried under a pile of papers and you didn’t find it until 2 weeks after the due date? How often do you have to pay fines on your taxes because your paperwork is so disorganized? Are fines on those late or lost library books adding up? Have you bought something very expensive and used it once, only to have it break, but you couldn’t find the receipt to return it?

    I frequently hear people say they have to buy a larger house because they need more room. Big expense. But often it isn’t a bigger home that they need. They need to organize what they have and get rid of some stuff.

    I could make a list a mile long explaining why it pays to get organized, but I think you are getting my point.

    I know you are dying to get to the part that says “101 easy steps to getting organized,” and it is coming later in this article. For many of us, it isn’t so much that we don’t know how to get organized, but that we are discouraged or can’t seem to get motivated to start. Knowledge is worth absolutely nothing if you don’t use it. I can tell you 101 ways to get organized but if you don’t get up and do it, it will have been a waste of my time and yours. So here are some things for you to think about and hopefully help motivate you to get started.

    Getting Organized Is Important For You And Your Family

    One of my pet peeves is how little importance we put on our homes and taking care of them and our family compared to how much importance we put on the outside world. We get all up in arms about air pollution, yet most homes have more polluted air inside them than the air outside.

    What causes the air pollution in most homes? The garlic, onions or fish stuck on the dirty dishes piled in your sink and all over your counters. If the dishes have been there several days, there’s probably mold in the water, too. Then there’s the mold growing in those towels that are piled on the bathroom floor and, by the way, could all that stuff on a dirty toilet be making the house smell bad? Did I mention the dirty laundry piled everywhere, the neglected cat box and the piles of smelly diapers that haven’t made it to the trash can?

    Most of us wouldn’t dream of throwing our trash out the car window. When we buy a home, one of the first things we look for is a nice, well kept neighborhood. But all too often, we think nothing of leaving empty food wrappers, pop cans, and assorted papers everywhere at home. Many of us also leave piles of old newspapers and magazines laying around from one end of the house to the other.

    We worry so much about recycling to spare our landfills (we used to call them “dumps” but I guess to be politically correct I have to call it a landfill). I think one woman I knew, decided to make her home a landfill to save the city’s landfill. She was very excited about recycling but had no place to save anything, so she just “dumped” it on her kitchen and dining room floors. She had no less than twenty milk jugs and piles of empty cans and cereal boxes thrown on the floor.

    Before we start puffing up our chests with pride because we aren’t that bad, consider how many of us have trash cans full and running over or desks and tables piled with junk mail and magazines that should be thrown out? There are times I stand guilty as charged, too, I’m afraid.

    We protest and carry on about how we are destroying the environment that we will be passing on to our children and grandchildren, but what about our children’s present environment? I’m not saying that we shouldn’t think about their future but, like so many things, we get lopsided and unbalanced in our thinking. It is so much easier to think about the future than to deal with the reality of the present.

    We get overly involved in church, community and things outside of our homes because they provide great excuses for not taking care of our main responsibility — the care of our families and homes. Have you ever noticed how, if you ask your child to do something, he moans and groans and makes all kinds of excuses, but if a neighbor or a friend asks him to do the same job he willingly does it? Adults are guilty of this, too. It is so much easier to do things for “others” and for what the world considers a “noble” cause than it is to do things for our own families. We need to get serious about making our family’s well being at home our top priority.

    Often, we hear how our children are under so much more stress than earlier generations. I don’t totally agree with that but I do know that every generation of children has its own different kinds of stress. Ask yourself this: Is your home adding to or taking away from that stress? Is your home one of order and peace? Are you keeping it as orderly and clean as the environment outside? People get angry at the president because there isn’t world peace, but how can you expect there to be peace in the world if your own family is living in conflict and chaos all the time.

    Once again, we have the cart before the horse. Instead of concentrating on teaching our children so much about the environment and world peace, we should work harder at giving them a loving, orderly and peaceful home to grow up in. Home is still a child’s main world. If a child is raised in this type of atmosphere, he will have a better chance of growing up to be an unselfish, loving and responsible adult who will naturally be concerned for the world outside of his home, too. Children can much more easily deal with what happens in their outside world if they have comfort and peace at home.

    Kids get frustrated when they can’t find their coats or shoes and mom or dad keep yelling at them, “Hurry up we’re going to be late.” Then, when you are late, they feel guilty. They get frustrated and overwhelmed when mom says, “Go in and clean your room.” Like you, they don’t know where to begin. To make matters worse, they have been allowed to have mounds and mounds of toys and clothes — so many, in fact, that mom doesn’t have a clue what to do with them all, but expects the kids to know.

    To add to their confusion even more, they are told to pick up after themselves as they watch mom and dad leave their own shoes laying in the living room where they took them off, along with empty pop cans, dirty dishes, and magazines. The kids are told to clean up the mess they left in the kitchen when, right next to it, are the things dad left out when he fixed his sandwich and the pile of un-rinsed dirty dishes mom left on the counter.

    Is it any wonder that so many kids are so full of anger and frustration? They have nowhere orderly, peaceful and comfortable to go. Kids love order in their lives. It gives them a sense of security. We can’t always have control over the world outside of our homes, but we can make their lives easier by giving them positive environments inside our homes.

    One time when my daughter moved, we really got to see how getting organized can make life a lot more pleasant. Moving, in and of itself, is a chaotic mess but, to add to the chaos, their septic system failed the week they moved in. We are talking major chaos. I thought we were never going to get organized. Finally one day, trying as hard as we could, we got the living room pulled together. We were able to get the pictures hung, the furniture arranged and some knick knacks in place. When the grandkids came home from school that day they were in awe. With a sparkle in her eye, my granddaughter said, “Oh mom! It’s sooooo beautiful!”

    [organizing]



    You can do it!

    Don’t panic and get overwhelmed or discouraged. I don’t expect you to be Martha Stewart. I heard about a woman once who read an article on how to be a good homemaker. After reading it, she decided the best thing she could for her family was to put them up for adoption. HA!HA!

    Don’t get extreme and think that if your house is not spotlessly clean 24/7 that your children will grow up to be total failures as adults. I’m just saying be careful not to make your home and the care of your family a low priority on your list. Don’t be too hard on yourself. There is a season for everything. If you are ill, if you have a new baby or 4 children under the age of 5, if you have a child or spouse that is ill or if you are in the middle of moving, your housekeeping standards cannot be as high as say a woman who lives alone with no children. Be kind to yourself and set up reasonable standards but do your best to get organized.

    Anytime you try to improve yourself there is the chance that, at first, it will not come easy and you will be tempted to throw up your hands and quit. Do the best that you can and press onward. Even if you can only do one of the things I suggest at the beginning, that is fine. Do what you can, improving slowly if you need to. Just be careful that you don’t allow yourself to use different excuses to keep from doing it.

    You may be tempted to say, “I’m just too busy to get organized. Moms are so much busier now than years ago with working and such.” Don’t even go there. Years ago most moms had to work in the fields or factories for 12 hours a day 6-7 days a week with no paid vacations or holidays. Then they had to come home, do the laundry with no washer and dryer, prepare 3 meals a day from scratch and clean and sew most of their family’s clothes.

    Being too busy for your family is never an excuse. You are in control of your schedule. You can say no to all those extra kids activities or to the extra things that others ask you to do. Just say no. In the same way that you expect your kids to just say no to drugs, you also need to refuse to give in to peer pressure. Just say no when others ask you to do something that you know you don’t have time for.

    One of the main excuses we use for not getting organized is we don’t know where to start. We can become so overwhelmed that it can actually paralyze us mentally so that we can’t figure out what to do. I was at that point myself the day after Christmas this year. Boy did I have a mess, plus my CFS was really bad. I was caught in a vicious cycle. I was too sick to clean, but sitting in a mess was making me worse.

    Finally, I decided I needed to practice what I preached and, using sheer grit, I made up my mind to clean off just my fireplace mantle. While I was doing that, I noticed some other things in other areas that I didn’t want to forget to box up, so I started gathering those things together. Then I figured I might as well bring in the boxes for the things I had just gathered. One thing led to another and before I knew it I had cleared most of my living room.

    Hopefully this has given you the motivation to get organized and cleaned. Next, I’ll give you some specific tips to make your cleaning and organizing efficient and painless!

    -Jill

    Read Get Organized Part 2
    Tips to Make Organizing Easier

  • 10 Easy Ways to Get Organized and Save Money

    10 Easy Ways to Get Organized and Save Money

    One of the easiest ways to save money and reduce stress is to stay organized. Here are some easy organizing ideas to get the most benefit for the least work!

    One of the easiest ways to save money and reduce stress is to stay organized. Here are some easy organizing ideas to get the most benefit for the least work!

    10 Easy Ways to Get Organized and Save Money

    1. Hang up your keys. (Preferably by the door.)
    2. Find a place for your purse, coat, gloves and other frequently used items and always keep them there.
    3. Make your bed each day as soon as you crawl out of it.
    4. Get dressed. Even if you are a stay at home mom or a mom who works from home, get dressed. Clothes really do make the man or woman. You’ll be just as productive as you are dressed which means if you are dressed for sleep (pajamas, sweats or a robe) then you will get about as much work done as you would when you are sleeping. That may be stretching it, but you get my point.
    1. Wash the dishes and wipe the counters after each meal. No matter how large or small the meal or how tired and in a hurry you are, do the dishes. Even if you are hurried or late in the morning you wouldn’t dream of leaving the house half dressed. Make leaving your kitchen clean as important a priority as getting dressed for work. This may seem impossible at first but once you are on top of things it should only take five or ten minutes to clean your kitchen.
    2. Get rid of trash. About 50% of what unorganized people have in their homes is trash or stuff they will never use again. Stop wasting time taking care of it, moving it or stepping over it. As you walk through the house, pick up garbage and toss it.
    3. Control your laundry. Don’t let it control you. Follow these simple steps to help keep your laundry from taking over your home and you.
      1. Place a hamper or basket for dirty clothes in each bedroom and/or bath. Make sure that everyone’s dirty clothes are put in the hamper before bed and in the morning. Laundry laying around is the second biggest cause of clutter after trash, so arrange things to prevent it!
      2. The laundry isn’t done until it is put away. Get out of the mindset that if it is washed and dried it is done. Folding and putting it away is equally as important.Some of us think that if we get the laundry washed and dried that’s all we need to do and it’s okay for the family to just pull stuff out of a pile. That makes as much sense as cooking a meal and expecting everyone to stand at the stove and take turns scooping the food out of the pan and eating it one spoonful at a time. You wouldn’t dream of doing that. Yes the food is cooked, but the meal is not complete until the table is set and the food is put on plates. Do the same for your laundry. Put it away.
    1. Pick up continually. This may seem like a pain to do at first but if you stick with it, it will become a habit. I didn’t realize how much of a habit it had become for me until I was visiting my daughter’s the other day (Hey! That’s me! ;-) -Tawra). As I was walking into the kitchen, I picked up empty glasses and odds and ends on my way. Then when I walked from the kitchen to the bedroom I picked up toys as I went in there. It wasn’t even my house but I had seen something out of place and out of habit picked it up.
    2. Read and dispose of newspapers and magazines. There are usually two reasons people have stacks of newspapers and magazines piled around:
      1. They want to save one article from it. If that is the case, then cut the article out as you are reading the magazine and file it. Trust me, you not only won’t cut that article out at a later time, but you probably won’t remember what or where it is.
      2. They don’t have time to read them. If you aren’t going to read the magazines, the why are you subscribing to them? You’ll never catch up later if you’re not reading them now. Stop your subscriptions. This doesn’t have to be an all or nothing thing. If you can’t keep up with the daily newspaper, then just get the Sunday paper. Most people usually have more leisure time Sunday to read it. Pick out one or two of your favorite magazines and stop subscribing to the rest.
    3. With any item, if it is broken or you don’t use it anymore, get rid of it. That includes clothes, toys, furniture, decorations, dishes and exercise equipment ;-). If it’s not important enough to fix right now, you don’t need it!

    [organizing]

  • 10 Meals in 30 Minutes or Less

    10 Meals in 30 Minutes or Less

    It is possible to prepare tasty and nutritious meals in 30 minutes or less without spending a fortune eating out! Grandma knew the secret and you can, too!

    It is possible to prepare tasty and nutritious meals in 30 minutes or less without spending a fortune eating out! Grandma knew the secret and you can, too! In this post we share how to make quick and easy meals, along with recipes for meals you can make in 30 minutes or less!

    10 Meals in 30 Minutes or Less

    I was having dinner at my son’s house the other night and my daughter-in-law had made “old fashioned” baked potatoes. You know– in the oven and not the microwave. Boy, they were good. It seems so many things taste better slow cooked in the oven.

    The funny thing is that it is still possible to prepare these meals in 30 minutes.

    We started talking about how much longer it took to cook them in the oven compared to the microwave. That started me thinking. Yes, it does take longer in actual cooking time but it is often easier to cook in the oven and it is usually possible to prepare meals with 20 minutes or less prep time.

    How Cooking In The Oven Can Actually Be Easier

    When I bake potatoes in the oven, I work for just 5 minutes to get them ready and in the oven an hour before dinner. Then I just forget about them until dinner is ready. When they are finished, all I have to do is set them on the table and dinner is served.

    When I microwave baked potatoes, I tend to start cleaning them and preparing them at the same time that I’m trying to make a salad and heat up the veggies. While I’m doing all of that, I have to remember to keep checking on the potatoes and turning them. If I am cooking several potatoes, I have to put a few in the microwave at a time. When each batch is done, I have to pull them out and add more, all of this at the same time that I am trying to prepare the rest of the meal.

    Even though we have faster methods of cooking our meals, meal preparation has become more frenzied and hurried than years ago. With the introduction of the microwave and the idea that you can prepare meals in 30 minutes, most people do nothing to prepare or plan their meals at all until 30 minutes before they are planning to actually eat, which makes the cooking take. long longer.

    So 30 minutes before dinner you find yourself trying to thaw something, cook it, and slap it on the table and at the same time talk and deal with tired, hungry, cranky kids. Let’s not forget how exhausted you are at this time of day, too.

    We need to warm up our ovens and start using them again the way our grandmothers used to do. Here are some tips and ideas that prove that cooking meals in a conventional oven instead of a microwave can be just as quick and easy, not to mention how much more delicious they taste and smell. You might be surprised to find out how easy it is to make meals in 30 minutes or less.

    I think we underestimate the power of coming home and smelling something yummy cooking. We automatically seem to relax, feeling that “all is well with the world”. I really think it can change the whole atmosphere of your home for the evening.

    Old Kitchen Pantry

    I am not living in a dream world. You can prepare meals in 30 minutes the way our grandmothers did. I hear some readers saying, “Our grandmothers weren’t ever as busy as we are so they had time to cook large meals.” I can hear our grandmothers chuckling at that statement. My husband’s grandmother had to help on the farm from early in the morning until evening. She took care of a large home garden, canned, cleaned house every day, did laundry without a washer or dryer and still provided meals not only for her family, but up to 20 farm hands as well. She had to do it all without a refrigerator, microwave, or a grocery store and the nearest water was a mile away from her house.

    My mother-in-law would go to work as early as 7 am and work until 9 pm 6 days a week, but she still managed to make three large meals each day. If you’re thinking, “That’s great if you want to spend all your spare time in the kitchen,” consider that they spent less time in the kitchen than we do with less of the conveniences and still managed to have well balanced delicious meals each day.

    What was their secret? They had never heard of 30 minute meals. Even if they had they would probably have laughed and wondered who would spend so much time preparing a meal? They knew that the key to preparing a meal in 30 minutes or less wasn’t how fast you could cook, but how organized you were. You can easily have a meal on the table in 15 minutes if you are organized and plan ahead.

    Making quick and easy meals the old fashioned doesn’t mean microwaving and frying everything to have a quick meal either. Slow cooking something in the oven not only makes things taste better but is quicker with less prep time.

    Our grandmothers’ secret to meals in 30 minutes:

    Easy Dinner Ideas And Recipes

    Here are some ideas about what to prepare. These aren’t elaborate gourmet meals. If you are too busy to cook dinner, then you are to busy to make gourmet dinners. Stick with the basics and keep it simple like our grandmothers did and you will be able to make meals in 30 minutes.

    Slow cooked roast: Place a roast in a crockpot or pan. Peel five potatoes and carrots and drop them in with it and turn on the oven. This takes five minutes. Clean and cut broccoli, celery and cucumbers for a salad — five minutes. At dinner time, chop lettuce and tomato for the salad, adding the already prepared veggies. Then put the meat and the fixings on a platter — five more minutes. Voila! Dinner in 15 minutes.

    Stew: It takes me seven minutes to cube meat*, peel five potatoes, carrots and onions, toss it into a pot and to season it. At dinner time, I put bread or dinner rolls on the table — one to two minutes and I have dinner in nine minutes.

    *Ask your butcher to cube or slice all your meat for you. They usually charge nothing or just a few cents per pound. It saves not only time in cutting but in clean up too.

    Chicken: Toss a chicken in a pan or crockpot — two minutes. Clean potatoes to put in with chicken or to bake in the oven — three minutes. At dinner time, warm a veggie — two minutes. Slice some fruit — three minutes. Dinner in 10 minutes.

    Lasagna: Put noodles in a pot to boil — one minute. Brown the hamburger. Get out the cheese, tomato sauce, and the rest of the fixings; Mix the sauce while the noodles boil, 7-8 minutes. Layer everything — two minutes. Cover and put it in the fridge for dinner the next day or that evening.

    Put the lasagna in the oven to heat while you get out of your work clothes, check the mail, etc. Set the table and cut a salad — five minutes. Dinner is served; 15 minutes.

    Beef stroganoff: Make your beef stroganoff in your crockpot. (If you don’t want to use a crockpot, this recipe usually takes very little time, even when you’re just stirring it up in a pan.) Dump everything but sour cream and noodles into the crockpot. This takes three minutes’ work and then you can simmer all day on low.

    Clean carrots, celery sticks, and broccoli for a relish dish (five minutes) and put it in the fridge. At dinner time, boil egg noodles (5-7 minutes). While they are boiling, add sour cream to the sauce and set the table. Total time: 15 minutes.

    Chili: Mix everything in a pot the night before. Depending on what you put in, it should take 5-10 minutes. Simmer throughout the next day.

    Soup: Do the same as with the chili.

    Mexican Food- Almost all Mexican foods take less than 30 minutes to prepare. Enchiladas and tacos are super easy.

    Casseroles– You can make so many varieties of casseroles. You can always find several that your family will love.

    Breakfast Throw some pancakes or waffles on and add some sausage or scrambled eggs and breakfast is ready for dinner in minutes.

    These are just general examples of ways to prepare quick and easy meals in 30 minutes or less. It isn’t really a matter of time as much as it is a matter of being organized and getting things done before you are too exhausted to think.

    If you have meats thawed and the ingredients on hand, most things can be tossed together in about the same amount of time it takes to order and wait to get your food at a fast food place.

    Also, remember when you have your oven going, try to cook more than one thing in it. For example, if you are going to be baking a casserole, bake a pan of brownies, muffins or baked apples at the same time.

    -Jill

    For lots of quick and easy meals that you can make ahead of time, check out Quick and Easy Menus On A Dime, which is full of pre-made menus and recipes for meals in 30 minutes or less. Make it easier to put dinner on the table and get out of the kitchen faster!

    [dining]

  • Easy School Lunch Ideas – Healthy Options For Picky Eaters!

    Easy School Lunch Ideas – Healthy Options For Picky Eaters!

    Do you rack your brain trying to make lunches your kids will eat? These 15 cheap and easy school lunch ideas will save you lots of money and time while satisfying your picky eaters!

    Do you rack your brain trying to make lunches your kids will eat? These 15 cheap and easy school lunch ideas will save you lots of money and time while satisfying your picky eaters!

    Easy School Lunch Ideas

    It’s that wonderful time of year that lightens your heart and fills your soul with peace & tranquility. No, I’m not talking about Christmas! I’m talking about school starting!! Yes! Yes! Yes! It’s a bitter-sweet time for most moms. Bitter because you’re back to hectic mornings, finding everyone’s books and papers and trying to get them out of the door on time… because you now have 180 lunches to make over the next nine months if you have one child and 720 if you have four — But hey, who’s counting?

    It is sweet because the peaceful quiet that penetrates the house is like gentle music to your ears and you can take a lovely relaxing bubble bath without what sounds like the whole US army trying to break down the bathroom door. Well, now that I think about it, I haven’t known many moms that had the luxury of a bubble bath in the middle of the day but I can dream, can’t I?

    I can’t help you find time for that bubble bath but maybe I can help you with those 720 lunches by sharing some healthy and easy school lunch ideas.

    Here are some easy school lunch ideas and snack ideas that will satisfy all of your picky eaters:

    School lunches don’t have to have exotic ingredients to be healthy, so don’t overthink it! A well balanced lunch including some protein, fruit and veggies and carbohydrates is healthy and kids need a lot of energy throughout the day.

    • To keep drinks cold in lunch boxes, pour a small amount in the bottom of the container (not glass) and then set the cap loosely on top. Put it in the freezer overnight. The next day fill with the rest of the drink. The ice should slowly melt all day long, keeping the beverage cool.
    • Have the kids pre-package chips and cookies in baggies on the weekends. Store in a basket. Grab one as needed for lunches. This is one of the school lunch ideas that will save you the most money.
    • Make a large batch of puddings and gelatins on the weekends. Pour into individual containers and refrigerate.
    • Save the ketchup and mustard packets and napkins you don’t use from the fast food restaurants. Use them in lunch boxes.
    • Puddings – sprinkle with marshmallows, coconut, nuts, chocolate chips, butterscotch chips or peanut butter chips (for chocolate pudding) or berries (in vanilla pudding)

    Here is a recipe for easy homemade granola bars you can use to save money on an easy lunch filler!

    You will also find more easy school lunch ideas below in this post and in our post 50 Breakfast and Snack Ideas for Picky Eaters.

    This easy granola bars recipe makes homemade healthy granola bars everyone will love! They're perfect for breakfasts, snacks or packed lunches!
    Print

    Easy Granola Bars Recipe – Healthy And Delicious!

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    5 from 1 review

    This easy granola bars recipe makes homemade healthy granola bars everyone will love! They’re perfect for breakfasts, snacks or packed lunches!

    • Author: Tawra Kellam
    • Yield: 24 bars

    Ingredients

    3/4 cup brown sugar
    1/2 cup sugar
    1/2 cup butter or margarine, softened
    2 Tbsp. honey or corn syrup
    1/2 tsp. vanilla
    1 egg
    1 cup all purpose flour
    1 tsp. cinnamon
    1/2 tsp. baking soda
    1/4 tsp. salt
    1 1/2 cups quick cooking oatmeal
    1 1/4 cups crispy rice cereal, crushed bran flakes, corn flakes or crushed graham crackers
    1 cup chocolate chips

    Instructions

    1. Preheat oven to 350°.
    2. In a large bowl, cream sugars and butter until fluffy.
    3. Add honey, vanilla and egg. Mix well.
    4. Blend in flour, cinnamon, baking soda and salt.
    5. Stir in the remaining ingredients.
    6. Press firmly into the bottom of a greased 9×13 inch pan.
    7. Bake 20-25 minutes.

    To microwave:

    1. Press the ingredients into a microwave safe dish.
    2. Microwave on medium power for 7-9 minutes. Rotate the dish every three minutes.
    3. The bars will firm as they stand.
    4. Cool and cut into bars.
    5. Save the crumbs for yogurt or ice cream topping.

    Notes

    Variations

    Use any of the following in addition to or in place of chocolate chips:
    • 1 cup coconut
    • ½ cup creamy or chunky peanut butter
    • ½ cup nuts
    • ½-1 cup raisins, dried apples or apricots
    • ½ cup fruit preserves

    If you like these easy school lunch ideas, check out our Dining On A Dime Cookbooks, which are filled with quick and easy recipes to make your life easier!

    [dining]

    Save money on school lunches or any time the kids need to pack a lunch! Use these easy tips for preparing school lunches for the week in 30 minutes on the weekend.

    Do you rack your brain trying to make lunches your kids will eat? These 15 cheap and easy school lunch ideas will save you lots of money and time while satisfying your picky eaters!

    Save $600 on school lunches this year!

    These days in America, it seems that everyone is so busy that preparing school lunches is liable to push a typical mom right over the edge. When you have to choose between making school lunches or spending that extra 15 minutes in bed, it seems like buying ready-made school lunches at the store is a no-brainer, but your budget doesn’t agree.

    The average mom packs $3.00 worth of pre-packaged goodies into each school lunch she sends to school with her kids. (That works out to $1080 for 2 kids.) What mother hasn’t wondered if those lunches are even getting eaten and if there’s an easier way to save money on school lunches?

    Try these easy school lunch ideas and tips for things you can do in 30 minutes or less on the weekend to save money on school lunches and make preparation a snap!

    Easy School Lunch Ideas To Save Money!

    • Those snack bags of munchies cost a lot! Make your own by pre-packaging chips, pretzels, animal crackers and other snack items into sandwich bags on the weekends. (Have the kids help!) Store them in a big container or basket and just throw them in the lunch box in the morning.
    • Let the kids create their own Pizza lunch kits- Toast bread and cut out little circles with a biscuit cutter. Add small containers of pizza sauce, cheese, and other toppings.
    • Make fruit gelatin and pudding and put in small plastic containers for the week. Make a large batch of granola bars, cookies, pumpkin bread, banana bread or muffins. Divide them into zip top sandwich bags and freeze so that you can grab one or two when needed.
    • Brownie bites are simple to make. Bake brownie mix in mini-muffin pans and put three “brownie bites” in a sandwich bag for each child’s lunch. They freeze well too!
    • Fill thermos (not glass) half full with juice the night before and freeze. In the morning, remove from freezer and fill the rest of the way. The juice will be cold when the kids are ready to drink it and it keeps their food cold too.
    • Clean vegetables, slice into pieces and bag. Preparing a weeks worth of veggies at a time for lunches and snacks saves money and time.
    • Purchase cheese in blocks, cut into pieces and put in sandwich bags.
  • How To Save Money On Groceries

    How To Save Money On Groceries

    It’s easy to learn how to save money on groceries! These easy tips show you painless ways to easily save hundreds of dollars a month on your food bill!

    It's easy to learn how to save money on groceries. These easy tips show you painless ways to easily save hundreds of dollars a month on your food bill!

    How To Save Money On Groceries

    If I said I would give you $150 extra a month to help you pay off your credit cards, lose weight and help your family become healthier, would you accept it? Does it sound too good to be true? The average American family spends 1/4-1/3 of their monthly grocery bill on things to drink but can’t find any extra money to pay off their credit cards. It’s really not that hard to learn how to save money on groceries. In this post, we’ll look at just one way to do it, but there are lots more!

    Do you buy sodas, coffee, tea, juice and milk, plus all the things that go into these drinks like creamer, flavorings and sugar? Do you grab a glass of soda, juice or milk instead of a cold glass of water? You may even argue that juice and milk are good for your children.

    We all know that fertilizer (food for you grass) is good for your lawn, but too much fertilizer will kill it and if you don’t water it, it will die. I’m beginning to wonder if most of us are more concerned about making sure our yards are watered than our children. Of course they need some milk but like everything else do it in moderation.

    Here are few tips to cut the costs of the drinks in your home, save money on groceries and find some extra money to pay off your credit cards:

    • Find out how much milk is actually needed for your child. The USDA recommends that children under 5 get three to four servings of dairy per day. That is 2 cups of milk OR one serving equals one slice of cheese OR ½ container of yogurt. Don’t forget milk added to cereal.
    • Juice is just sugar water. Eat the whole fruit instead and give one glass of juice as a treat for breakfast or snack.
    • Limit the number of glasses of milk or juice given a day. After the allotted amount they get nothing else but water. If they are used to drinking it for meals, either give them one glass (1/2 cup) and when it’s gone they drink water or have them drink water first and then milk after they finish their meal.
    Save money on groceries like milk!
    • Use small juice glasses. They give the appearance of more.
    • Don’t fill their sippy cups with juice or milk. Give them water instead.
    • If you put some milk in a cup and they don’t drink it all, put it in the fridge until later.
    • Limit sodas to a treat once or twice a week.
    • Don’t dilute your juice with extra water. Not only does this not taste very good but by “stretching” the juice you teach your kids bad eating habits by giving into their demands for juice instead of giving them water.
    • Keep water in the fridge. After water has set, the chlorine evaporates and the water also tastes better cold.
    • Add a small amount of lemon juice to your water if you don’t like the taste.
    • Be careful to shop wisely. Sometimes buying name brand flavored or specialty coffees on sale costs less than making your own.
    • Use powdered milk instead of creamer in coffee or tea or try mixing your creamer half and half with dry milk.
    • After making coffee save the coffee filter and the coffee grounds in the maker. Add your coffee for the next day on top of the old grounds. This way you can use each filter 2 or 3 times. Buy a reusable coffee filter. They last for years.
    • If you run out of coffee filters, use a paper towel until you can get to the store to buy more.
    • You don’t always have to make a full pot of coffee. Just make one or 2 cups at time.
    • Save extra coffee in a thermos instead of making a new batch or buy a smaller coffee maker.
    • To make flavored tea, add a package of flavored drink mix to each pot of tea.
    • For leftover soda – Combine 2 cups of flat soda with 1 package of unflavored or same flavored gelatin to make a rich flavored gelatin. This is particularly good with root beer, orange and grape sodas.

    Here are some easy recipes for drink treats to help you save money on groceries:

    This easy Orange Julius recipe is a creamy orange smoothie just like the ones at the mall. Starting with orange juice and ice cream, it makes a perfectly refreshing cool treat for warm summer days!
    Print

    Easy Orange Julius Recipe – Creamy Orange Smoothie

    5 Stars 4 Stars 3 Stars 2 Stars 1 Star

    5 from 1 review

    This easy Orange Julius recipe makes a creamy orange smoothie that tastes just like the ones at the mall. Starting with orange juice and ice cream, it makes a perfectly refreshing cool treat for warm summer days!

    • Author: Tawra Kellam
    • Yield: 4 servings

    Ingredients

    1/3 cup frozen orange juice concentrate
    1/2 tsp. vanilla
    1/2 cup milk
    5-6 ice cubes
    1/4 cup sugar
    2 scoops vanilla ice cream
    1/2 cup water (optional)

    Instructions

    1. Combine all of the ingredients in blender until smooth.
    2. Pour into a glass and enjoy!

    This Orange Julius recipe can be kept in the refrigerator for up to 1 day. Serves 4.

    Notes

    If you like, you can add other things like strawberries, banana, pineapple or coconut. If a smoothie-type ingredient sounds good to you, you can probably add it!

    For Dairy Free:

    If you’re dairy free, you can substitute coconut milk for the milk and vanilla coconut milk ice cream in place of the ice cream.

    You can use Coconut Silk, but it will result in a thinner smoothie. It is better to use coconut milk in a can, if possible, because it has a thicker consistency and will more resemble a smoothie or shake.

    This easy Cafe Vienna recipe is a delicious homemade specialty coffee. Creamy like a mocha but with a cinnamon orange flavor, it is sure to please the coffee lover in your family. 
    Print

    Easy Cafe Vienna Recipe

    5 Stars 4 Stars 3 Stars 2 Stars 1 Star

    No reviews

    This easy Cafe Vienna recipe is a delicious homemade specialty coffee. Creamy like a mocha but with a cinnamon orange flavor, it is sure to please the coffee lover in your family. 

    • Author: Tawra Kellam

    Ingredients

    1/2 cup instant coffee
    2/3 tsp. cinnamon
    2/3 cup sugar
    1 tsp. dried orange peel
    2/3 cup nonfat dry milk (optional)

    Instructions

    1. Stir ingredients together.
    2. Process in a blender until powdered.
    3. Store in a jar or container. Makes 1 1/3 cups mix.
    *If you’re making a jar mix for a gift, attach this note to the jar:
     
    To Make Cafe Vienna: Use 2 teaspoons of mix to 1 cup of hot water.
    Save money with this easy Swiss Mocha recipe! It’s a less expensive way to enjoy this tasty treat and works well as a jar mix that you can give as a gift!
    Print

    Easy Swiss Mocha Recipe

    5 Stars 4 Stars 3 Stars 2 Stars 1 Star

    No reviews

    Save money with this easy Swiss Mocha recipe! It’s a less expensive way to enjoy this tasty treat and works well as a jar mix that you can give as a gift!

    • Author: Tawra Kellam

    Ingredients

    1/2 cup instant coffee
    2 Tbsp. cocoa
    1/2 cup sugar
    1/4 tsp. vanilla
    1 cup nonfat dry milk

    Instructions

    1. Stir ingredients together.
    2. Process in a blender until powdered.
    3. Store in a jar or other container. Makes 2 cups mix.
    *Attach this note to the jar if making a jar mix:
     
    To Make Swiss Mocha: Use 1 cup of hot water and 2 tablespoons of coffee mix for each cup of coffee.

    [dining]

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  • Are We Really Depriving Our Kids?

    Are We Really Depriving Our Kids?

    Are we really depriving kids by not buying them enough stuff? Are you overwhelmed or do you struggle with guilt about whether you buy enough for them?

    Are we really depriving kids by not buying them enough stuff? Are you overwhelmed or do you struggle with guilt about whether you buy enough for them?

    Are We Really Depriving Our Kids?

    By Jill Cooper

    I often hear ladies complaining that they want to stay at home with their kids but that they “have to work since it is so expensive to raise kids these days”. One of the main questions I get asked about frugal living is “won’t I be depriving my children if I spend less?” Maybe I can answer that question with a few questions.

    How am I depriving my children by having them drink water for every meal instead of juice and soda? Isn’t one thing doctors are always complaining about is we don’t drink enough water? Cutting out just one glass of soda per person per day for a family of four would save $547.50 a year and make them healthier.

    How am I depriving my children by having them eat an apple or homemade granola bar for a snack instead of a bag of chips? Obesity is a major problem among children in the United States. If you cut out just one bag of chips a week you would save $104.00 a year and make them healthier.

    How am I depriving my children by having them walk to school or to a friends house instead of my always driving them there? Lack of exercise is a big problem. You would save time and wear and tear on your car by having them walk and make them healthier at the same time.

    How am I depriving my kids when I don’t buy them every toy they see and want? We wouldn’t dream of giving a baby on baby food all the chocolate that he wants because we know it would make him sick. His body can not tolerate that much chocolate even if he desires it.

    In the same way, an older child can’t emotionally deal with the overload of toys. I as an adult become stressed just from trying to buy a bottle of shampoo. Have you ever noticed how many options you have? Trying to make a decision can be overwhelming. Do I get it for thin, fine, dry and damaged or colored and permed hair? The list goes on and on.

    In the same way when a young child looks at piles of toys, he can become very stressed over choosing which one to play with. If you watch, you will notice that they tend to play with the same couple of toys over and over. If you didn’t give them all the toys they asked for and bought one less brand new toy at $10 a week, you would save $520.00 in one year and you would help relieve them of some stress.

    It is no wonder our children stay confused. We insist that they should eat healthy yet we take them out to eat 3-5 times a week at McDonald’s. We give them a bag of carrot sticks in their lunch because it’s healthy and then give them a bag of chips when they get home from school to get them off our backs.

    We want them to have strong character yet the moment they whine or cry for another toy or some candy at the store we give in out of guilt. We are afraid that if we don’t give them what they want, they won’t love us so to rid ourselves of uncomfortable feelings we say yes. How can we teach them to be strong in character when we are so weak?

    How could our society and way of thinking have gotten so mixed up that we think a child is deprived if a mom chooses to stay home and not go to work? We have come to believe that moms should work outside the home so that children can have the most expensive clothes, education or material things. (Note I didn’t say best but rather most expensive since the most expensive doesn’t mean the best.) If a mom goes to work so a child can have all those things it’s not considered depriving the child of anything but it’s mom. Which do you think does a child more harm- being deprived expensive things or it’s mom?

    For you stay at home moms: Before you become too puffed up with pride be aware that too many social, church and school activities can deprive your kids of you just as much as working. Do all things in moderation.

    Better to give your kids your values you have than the valuables you can’t afford.

    For lots of easy and practical ways to save money and get out of debt, check out our Dig out Of Debt e-book and learn more about how to keep more of your money.

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    Ten Garage Sale Shortcuts

    Garage sales are a great way to save! These garage sale shortcuts will help you find more deals in less time, and will help you save more money! (more…)

  • Packing Food for Road Trips –  Easy Ideas To Save Money!

    Packing Food for Road Trips – Easy Ideas To Save Money!

    You can save a lot of money packing food for road trips instead of eating out every meal. Here are some easy ideas for meals and snacks to take on the road. (more…)

  • 4 Easy Ways To Save Money On Groceries Before You Leave Home

    4 Easy Ways To Save Money On Groceries Before You Leave Home

    Here are 4 easy ways to save money on groceries before you even leave the house! It’s no extra work, you don’t have to deprive yourself of anything and you don’t have to clip any coupons. (more…)

  • Use a Dresser to Organize Your Garage!

    Use a Dresser to Organize Your Garage!

    It seems like organizing your garage can be a never ending task. Here’s a way to simplify garage organization by using an old dresser to organizing the garage! (more…)

  • Is It Wrong To Use Free School Lunches?

    Is It Wrong To Use Free School Lunches?

    free school lunches

    Is It Wrong To Use Free School Lunches?

    Melinda writes: How do you feel about free school lunches? I ask this because with our low income we qualify for free lunches and breakfasts at my kids’ school. However, because I run a tight ship and try to be a good steward with the resources the Lord gives us, we actually can pay for our three children to eat the lunch that the school provides. I’m very torn on this issue. I almost feel like my kids eating the free school lunch would be like receiving welfare. On the other hand, free lunches would sure free some extra money that could be used in other areas of our budget. What do you suggest?

     

    Tawra: The issue of free school lunches is one of those gray area questions that we’ve never quite been able to resolve.

    We were in a similar situation last year where we qualified for reduced rate lunches. We took the reduced rate lunches. We did it because we knew my husband’s job was coming to an end soon and we weren’t sure if it was going to be sooner or later. :-) I went ahead and did it and it’s funny because we ended up not using the reduced rate lunches very often. My kids prefer bringing their lunch instead so they saw school lunches as the less desirable alternative. (The school didn’t care if they didn’t like institutional canned spinach ;-)

    I think whether or not to use the school lunch program is something you are going to need to consider for your own situation. I would say pray about it and if you think God doesn’t want you to do it then don’t. There is nothing wrong with accepting free school lunches if you need them, particularly if you see it as a temporary thing. That’s why they offer that program. Even though you can pay for lunches, you still may have a reasonable need. If they spend their money wisely, most people who use the free lunch program “can” afford it. They just don’t. If you accept the free or reduced lunches so you can free space in the budget for unnecessary luxury items, that is probably not reasonable. If you are considering accepting it so that it’s a little easier to find the money in your budget to fix your car when it breaks down, that is probably reasonable. There is no reason to punish yourself for being smart about how you spend your money.

    At our school, we could have made 50% more money and still qualified for the reduced lunches, so we didn’t feel like we were somehow taking advantage of the program.

    We have qualified for WIC and programs like that for a long time, but we don’t feel good about taking it at this point in our lives. That’s just for us. It’s not right or wrong but that’s just how we handle it with our situation. I’m sorry I couldn’t give you a black and white answer! :-)

    Tawra

    Read Answers About Free School Lunches From Some Of Our Readers Here.

  • Free School Lunches – Readers’ Answers

    Free School Lunches – Readers’ Answers

    Free School Lunches – Readers’ Answers

    This is A Reader Response to our post, “Is It Wrong To Use Free School Lunches?

    Dear Readers, A while back, Melinda wrote asking our opinion of accepting free school lunches if you qualify. You can read our initial response here. Since then, we received these reader comments on the same subject and we thought you might find it interesting. Tawra

    Hi Tawra,

    I just read Melinda’s question regarding reduced school lunches. Having been on both sides of being able to afford and it being a real pinch, AND having worked in the public schools this past year, I would like to offer an additional perspective.

    First of all, school lunches are not funded by the Department of Education or local school taxes. They are a program of the USDA to help farmers use the surplus. I don’t know all the specific details, but at least some of the foods are surplus that the government has ALREADY purchased and needs to distribute. That said, the local, state and federal layers of the education system DO look at the numbers of students receiving free and reduced price school lunch when determining where extra money will be spent. That is the only legal way of determining average income of a school/neighborhood or district. So, if a family decides to not sign up, that ultimately does cut the dollars being sent to that school.

    Also, for those who decide they will take their reduced or free school lunch some of the time and bring lunch from home most of the time, that is great but be aware that if your school uses a debit account, the juice/milk and/or dessert that children often buy when bringing a bag lunch from home, actually will reduce your debit account more than just buying a whole reduced price lunch. Sounds stupid, but it’s true. At our elementary school, reduced price lunch was 40 cents. Milk plus dessert was, I believe, 65 cents.

    I would suggest if you are truly feeling guilty about “taking” the lunch program, then make a donation of cash or food to a local food bank or use the extra cash to help out a friend.

    Much of the same goes for the state Children’s Health Insurance. The numbers are used to make estimates of how many children are low income and thus be able to use the figures to appeal to state and federal levels for additional funding. Yes, it all ultimately comes out of our pockets but at least think about making sure some of it gets diverted to your neighborhood. :)

              -Christy

     

    Hi Tawra,

    I would like to reassure Melinda to please use the free meals at school. This is a Federal program, not welfare. I raised 3 children on this program and it is a lifesaver. If enough people do not use the program that do qualify for it ,it could be discontinued, and the people that need it will not have it. Please do not feel bad or guilty about using these programs.

              -Lisa from Gloucester Point, Virginia

    Tawra, the federal government uses the number of students enrolled in the free/reduced lunch program to apportion other federal funds to schools for programs.

    For example: If you have 2 schools with the same number of students and the same number of children eligible for free lunches, but at school A 50 children enroll and at school B 100 children enroll, then School B is going to get a lot more federal dollars for programs like Head Start than school A. The number of children enrolled in the free lunch program is used as a proxy in the funding formulas for several federal programs.

              -Maria from Washington, DC

    In response to the free school lunch question… I am a teacher and we wish more parents would take the free/reduced lunch. First, the school receives a lot of money for each child on the program. Second, there isn’t a chance of the child being embarrassed. As a teacher I don’t even know who the kids are in my class who are on the program.

    Lastly, this also helps with your school’s end of the year test scores. In Missouri, we have the MAP. The school not only receives a score, but there are sub categories in the schools. One is free/reduced lunch. Not to sound cruel, but the more kids who score better on the test on the free/reduced lunch program the better the score is for that sub category. If one category fails the entire school is considered a failed school.

              -Lisa from Gloucester Point, Virginia

     

  • What is an Appropriate Food Budget?

    What is an Appropriate Food Budget?

    Elise from Kelowna, British Columbia writes:

    Hi Tawra and Jill,

    My husband and I are saving hard for a mortgage down-payment and we are trying to stick to a budget, but I don’t know what is an appropriate amount of money to allot for food per month. I try to get everything on sale and in bulk, as well as utilizing free sources of fruit and vegetables. (Here in the Okanagan they are all over!) Could you give me some advice about this? It is just the two of us — we have no children yet.

    Thank you for the help, and also thank you for this inspiring website. I always read your articles and they boost my resolve to be as frugal as I can while still living life richly.

    Thanks again, Elise

     

    Hi Elise! Well, first let me tell you that we’re jealous that we don’t live in the Okanagan. From what we’ve seen of it, it’s beautiful country up there!

    The answer to your question depends on a lot of factors. I can’t really give you a dollar amount because the price of food varies from state to state and from the US to Canada. When Mike and I were living alone we spent $125 a month on groceries (US dollars). My best advice is each day or week think about where you can cut a little more from your bill. No matter how much you cut, there is only so far you can go. Eventually you will get to an average point and the will be a steady bill for you. Then focus on how you can save in other areas.

    Generally, if you cut out the convenience foods and go to restaurants as little as possible you will be well on the way. Since you are saving extra hard right now, I would cut out all of the restaurant trips except maybe on your anniversary and try for no expensive convenience foods. Then, when you have saved what you want to save, ease up on those things a little if you like. Also, keep in mind that it may be worth it at times to use convenience foods if you have an opportunity to make more money with the time you save. For example, if you and your husband can work some overtime this week and it pays well, but it eliminates the time you have to prepare meals for the week, it might be worth buying some TV dinners. Still, whenever possible, I’d prepare some freezer meals ahead of time when things are slow to make up for the time you may not have later.

    It sounds like you are well on your way to getting it as low as you can. I hope you get your down payment quickly!

          -Tawra

     

    photo by: Masahiro

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