May 24, 2013

Home Sweet Frugal Home – April

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do, in a monthly series, as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas. Please feel free to share what frugal things you have been doing in the comments!

Monthly Series On Frugal Living Tips

-I got these two books for free combining the 20% off coupons that Barnes & Nobles sent me with BN gift certificates  I got from the Viggle Rewards Program. Plus I got free shipping since we are B&N Members.

bouquet from my garden

- Also got a free book for my Kindle with my Swagbucks gift certificates

-Lovely free bouquets of flowers from trimming my rose bushes

inside of a computer

-My amazing daughter needed more RAM and a new video card for her desktop and watched a few youtube videos on how to install them and did so to her desk top computer. Then I needed some more RAM for my old desktop and she installed it in mine. Normally we would have gone to Best Buy and had them do it but – honestly- it’s so inexpensive to buy the parts elsewhere and install it yourself. You basically just pop these things out and in! So we saved quite a bit because she was willing to learn something new!

homemade deodorant

Every month I try a few new things to make myself. In April I made homemade dry onion soup mix (which I love btw – I will never buy the “L” brand again) & dry mix cream of whatever soup. We also made our own deodorant and so far it seems to work really well. There are a couple of recipes for making your own deodorant and some use more ingredients. This one is pretty simple:

5 Tbsp. of Coconut Oil
1/4 – 3/8 cup of Baking Soda
1/4 – 3/8 cup of Cornstarch or arrowroot powder

Your choice of  essential oil – I used tea tree oil since I had that on hand from making liquid hand soap, but I think a lavender oil would be nice.

You can get the instructions for how to make it at Surviving The Stores

seeds grown in newspapers

-My newspaper seedling pots have worked really well and I’ve already planted some in the garden.

-We made our own homemade healthy coconut candy – soooo delish!

healthy homemade Mounds candy

It’s made with coconut oil, unsweetened coconut flakes and you make the chocolate topping from cocoa. It’s like a dark chocolate Mounds/Almond Joy bar – except minus the bad stuff. You can find the recipe and instructions here at the Nourishing Gourmet. My daughter wants to make some homemade healthy gummies – I’ll let you know how that turns out :) !

Last year I bought a bunch of plants on clearance at the end of the growing season and re-landscaped one side of my house with them. I’ll take some pictures in a few weeks so you can see how pretty that’s looking (gotta pull some weeds first).

yellow climbing rose on arbor

But I wanted to show you how beautiful my yellow climbing rose is now that it’s bloomed.

yellow roses on arbor

I got it at the same time as the other plants last year and planted it on one of the arbors going into the veggie garden (the other arbor has grapes growing on it). I had to coddle it through the heat of our Georgia summer and fall but it was so worth it!

We also did all our usual things like bake bread, I cut my husband’s hair, we’re still a one car family although we are looking for another car. We’ve been a one car family for almost 3 years now and that’s not easy living in a place where mass transit is practically non-existent! But we’ve made it work!

Have you made anything from scratch lately? What have you done to save money lately?

Home Sweet Frugal Home – March

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do, in a monthly series, as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

Monthly series on Frugal living

Aaack! I almost forgot to do a HSFH post this month! I’ve been so busy making some changes in my flower beds and vegetable garden so that they will be ready to plant in a few weeks. As you can see by the tree below that’s leafing out – no time to waste! Bradford Pear tree leafing out

-I’ve been able to get a good amount of salad greens this month, plus kale and collards from my garden. Some of the collards are already starting to bolt!

fresh picked bowl of salad greens

-did the usual – cut my husbands hair, made bread, used my crock-pot a lot because I knew I wouldn’t feel like cooking dinner since I’ve had quite a few busy days, used our homemade liquid hand soap (almost out and need to make another batch), hung kitchen towels to dry in the garage – soon we’ll be back to line drying outside.

-used our American Express card rewards points (see this post for explanation) to cash out for quite a few $25 Home Depot cards which  we will use for some upcoming home and garden projects.

-cashed out my Swagbucks & Bing points for Amazon Gift Cards and purchased a few books for my Kindle

- I bought my ham for Easter on mark down after Christmas. Actually I bought a couple (we have a chest freezer) and I’ll buy a few more after they reduce them after Easter. So the main expense for Easter Brunch is already taken care of.

-I went to the Dollar Tree and got a bunch of flower seed packets at 25 cents each because I want to enlarge a few beds specifically my mailbox garden and I don’t want to buy a whole  lot of plants.  So I’m starting some flowers from seed (I’ll also be dividing and moving plants I already have).

newspaper pots for starting seeds

-I ran out of pots and made some newspaper pots instead of going out and buying peat pots. So far they’ve held up well. I’ve tried pots made from toilet paper rolls and those always fall apart on me. Here is  the tutorial I used for making newspaper seed pots.

blueberry cage

-We got some bags of coffee grounds from Starbucks  (they’re free) and spread those at the base of our blueberry bushes.  Yes, my blueberries are so delicious they need to have their own little house to keep the birds and critters away from them! My blueberries grow really well and I do this a few times a year. Blueberries like  acid soil and coffee grounds are acidic (although some people say the acid is washed out during the brewing process and some people say it isn’t). Either way, my blueberries seem to appreciate an application or two of coffee grounds.

-I’ve been enjoying some concerts (Jack White) and  shows on YouTube. Particularly Carol Klein’s Life In A Cottage Garden. You will LOVE this if you like English Cottage Gardens. Plus it’s always fun to see how experienced gardeners do things. Here’s episode 1

Those are my frugal highlights! What have you been doing to save money this month? Chime in!

Home Sweet Frugal Home – February

Frugal Living Tips

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

rosemary growing in a container

- I continued to harvest Kale, Swiss Chard and Collard Greens from my garden. As well, as herbs like the rosemary above,  thyme, sorrel and sage.

- Hung a few loads of  kitchen towels to dry on our drying rack that I set up in the garage since the weather has been rainy.

-Sold a book on Amazon for $11. Will be listing some other books soon.

-In my post Renewed Frugality: 21 Frugal Tips To Try This Year,  # 21 was “make frugal living something you invest time in learning about” so with that in mind I started really reading a lot of frugal websites again and while reading through a post on Money Saving Mom I found a tip I hadn’t tried yet!  I actually found it reading through over 200 comments on a reader question post about how to save money on groceries. Someone suggested using a  little clicker to keep a tally of how much you spend at the grocery store so you don’t go over your budgeted amount.

tally clicker

I don’t know why keeping  track in the store has been such an issue for me (well I do know why).  I’ve tried keeping a mental running total, I’ve  used a calculator, I’ve written the prices down next to the item I put in my cart and added it up at the end. I’ve done the tick mark tally’s and I’m always way off! This little tally clicker was $1.89 on Amazon shipping included!

There’s a saying down South that “all roads lead to Kroger”.  I run into neighbors, friends, my daughter’s piano teacher that we haven’t seen in 15 years, the old ballet teacher,  Mom’s from when my daughter was in school etc.  Today I ran into the real estate agent that sold us our house! Kroger is a social place! Anyway, it’s totally distracting unless I go at a really off hour. So far this little clicker is great! I round up to the next dollar – 1 click for $1, 2 clicks for $2 and so on. All I have to do is look at it for the running total. That way I know how close I am to my budget amount. What ever works!

liquid hand soap in a mason jar dispenser

- Made my own liquid hand soap. Here is my tutorial for homemade liquid hand soap.

avocado oil

- I switched from using a  night cream to using a natural avocado oil. I’m becoming more and more concerned with the ingredients in makeup and skincare products  and the affects of those ingredients on my body. I had read lots of good things about using avocado oil as a moisturizer and thought I’d try it. So far I’m very happy with it. I use it at night after washing my face. A tiny bit goes a long way and it’s absorbed into the skin after a few minutes. This bottle will last a long long time versus a jar of Olay or something along those lines.  So I think it will save me quite a bit of money. Here’s a good place to start if you’re thinking of using oils (and there are all kinds) as moisturizers  Face Oils vs. Creams – Huffington Post

- I used a few soft wrinkled apples and made mini apple cranberry crisps with cranberries I bought on sale after Christmas @ 99¢ a bag and froze.

lettuce

What frugal things have you done  so far this month?

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Home Sweet Frugal Home #6 – January

Home Sweet Frugal Home

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.
leafy greens
I’ve been able to harvest kale, swiss chard, collard greens and a few white radishes every week this month.

 broccoli

Also, broccoli!

-I dehydrated a couple of pumpkins that I had from last November and roasted the seeds with a bit of sea salt and Mrs. Dash Caribbean Citrus (which is also my favorite thing to put on popcorn) for a tasty snack.

roastedpumpkinseeds

-Went back to planning my weekly menu-it really is a big help in keeping me on budget and using up what I already have thereby keeping me out of the grocery store. The trick for me is to just stay out of the grocery store. If I go in for one thing, I see about 6 other things I think I need (especially if they’re on sale) and then I’m over budget!

drying plastic storage bags

- Did the things I always do, made bread, cut my husband’s hair, washed out baggies to re-use. I use my daughter’s old baby bottle drying rack to dry my freezer bags. Which just shows you how long I’ve been washing and re-using freezer bags (and foil)!

orange scented cleaner

-Since we’re eating a lot of clementines now ($3.99 for 5 lbs at the Korean Market). I made clementine scented vinegar for cleaning (which I’m sure smells the same as the orange peels I usually use :) ) But gives me something to do with the clementine peels. You can also do grapefruit peel.

-Dropped  Netflix down to 1 DVD out at a time. Since Netflix has to wait forever to get any new movies anyway, by the time they get them, we’ve downloaded them from Amazon using our Swagbucks Amazon money * (my husband does Swagbucks too and his Amazon GCs get used for this). I think we’ll probably just switch to the streaming only package soon. Had another talk this morning about dropping cable. I’m ready – my husband and daughter aren’t.

puzzles

We like to do puzzles and I found this 10 puzzle set (Barns!) at Kroger for $4.49! It was marked down so I guess they sold these at Christmas. The only problem is that the photos of the completed puzzles are small which makes it hard to use them as reference. We have plenty of puzzles to keep us busy this year with this set!

-my Kindle died! It stopped charging – which apparently is a known issue (is on the list of things to choose when you contact Amazon). I did a live chat on Saturday – got the out sourced in India call center customer service- was told I could BUY a new kindle at a discount. No Thanks! I called Amazon on Monday and got a US customer service rep – they are replacing my Kindle for free. All I have to do is pay the shipping fee!

It’s great but also ridiculous!

Why they don’t have a standard method of handling this situation is beyond me. But lesson to myself – don’t call customer service for anything after working hours during the week and on the weekend. You’ll probably get an out sourced customer service rep and they may not be able to be as  helpful as the US one (this has happened to us before).

Well those are just some of the highlights of my recent frugal activities. Be sure to read the comments section of this and previous posts  for more frugal tips:

HSFH #5

HSFH #4

Please leave a comment and let me know what you’ve been up to! You never know who you might be helping when you tell about what frugal things you’ve been doing!

Check out A Cultivated Nest Frugal Living Pinterest Board

 

*Disclosure – contains referral link to Swagbucks

Home Sweet Frugal Home #5

Home Sweet Frugal Home@ A Cultivated Nest

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back and we are all at different stages in life.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

green pepper & green beans @ A Cultivated Nest

***harvested beans and green peppers despite having 4 freeze warnings (love those row covers I installed). I’ve been bringing my potted basil inside every night to try to keep it going. The rosemary and thyme are still doing well outside. Also got a few radishes, lettuce, & kale leaves. My goal is to be able to harvest something every week.

homemade pumpkin dog treats

***made our own pumpkin dog treats from the recipe here.  These are made with rice flour so they are great for dogs with wheat allergies. Some people made these with potato flakes for pets that are grain free. They are so much healthier than store bought ones and they literally just take minutes to mix and you can get as fancy as you want with them or not. I rolled some out like Snausages and on some I used my leaf cookie cutters.

corey

Corey loves them!!  I’m holding one in my hand – look how fixated he is on that treat :)  He said he especially like the leaf shaped ones because they are tasty AND pretty! You wouldn’t think he notices such things with the way he snatches them out of your hand and gobbles them down…but he obviously is a lover of beautiful things……or maybe pumpkin.   Please check out this news article about treats manufactured in China and the dog deaths that have occurred.  WSBTV.com

***Worked on planning not only meals but snacks too. That way we have some ready to eat snack foods (besides popcorn, fruit & nuts).  That’s why,  although I try to do a lot of scratch cooking, I always have a few boxed mixes on hand. I buy them when they’re on sale. That way anyone can make a sheet cake or muffins or brownies etc. and do it quickly (without any input from me).

sunflowers via A Cultivated Nest

***I bought some pretty sunflowers on clearance (post here) and found out flowers are marked down every Friday at my local grocery store.  Sometimes they’re not a good deal because they look like they have maybe a day of life left and sometimes they look really fresh. I only buy them if they’re fresh and will last at least a week. I use my faux flowers freely and without shame :) if fresh are not available.

***I redeemed gift cards from various programs. I  redeemed a $25 Amex Gift Card through our American Express rewards points (they seem to be on sale right now) to use for Christmas Gifts. Redeemed some Amazon Gift Cards through Swagbucks  and 1 from Bing also for Christmas and redeemed a$25 Applebees  gift card through MyPoints (I only do the emails and surveys so I only average about 1 GC a year from them).

Green Giant Canned Corn

***I decided to not buy any meat for two weeks  and use what I had in my freezer or make meals featuring beans so I could stock up on canned vegetables when Green Giant vegetables were 49 cents a can at Kroger a few weeks ago – did you get any?  As far as I know Green Giant does not use Monsanto GMO  seed so I always buy that brand and stock up when it’s on sale. If you use Cream of soups they were probably the lowest price we’ll  see this year at 69 cents each (you can make your own btw).  I’m hoping to get some ham on clearance after Thanksgiving (we’re not big turkey eaters – once a year is fine for us).

Well those are just some of the highlights of my recent frugal activities. Be sure to read the comments section of this and previous posts  for more frugal tips:

HSFH #4

HSFH #3

HSFH #2

HSFH #1

I love reading all the frugal things everyone does each week so please leave a comment and let me know what you’ve been up to!

 

Home Sweet Frugal Home #4

Home Sweet Frugal Home - Frugal Tips

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

fresh garden vegetables

We’re still harvesting some summer vegetables! I put my eggplant and bell peppers under row covers since our nights and mornings are cold and they are still going like it’s July!  We’ll see how long I can keep them going. The cherry tomatoes are still doing well. I took out all but one regular tomato plant. It still is producing (although smaller and smaller tomatoes).  The kale plants from last fall are still giving me enough kale for morning smoothies or to put into soup (and the new ones are growing well).

If you didn’t plant a garden this summer, now is the time to start thinking and planning for next summer!

-The best thing I’ve done in the past few weeks concerns a prescription medicine for myself.  All summer I’ve been battling some sort of chemical imbalance that threw my blood pressure for a loop. My doctor tried so many different types of BP meds and combination of meds and nothing  really worked or worked but I had horrible side effects. Then I went to a Nephrologist (specializes in BP) and he gave me samples of a med which I’ve been on for the last month and it’s working. I feel like my old self now :)

So we decided that this was the medication I would take for the time being. Well I went to fill the prescription— $106 for 30 pills!!  It’s a “new” medication (really it’s a few years old but I guess to  insurance companies that’s new).  I had two more weeks of samples and I had to decide what to do. Pay that crazy amount every month and feel good or call and say it wasn’t covered on my insurance and go through trying different meds again (which was not fun).

I decided to do some research and looked the medicine up (I was trying to see what would be similar) and to make a long story short – the website for the med offered some sort of prescription assistance plan. Not based on income or anything like that. You just had to sign up with your personal info and then it gave me a card to print out to take to the pharmacy to get a discount. I didn’t know if it would work. But I took it to Target and asked how much it would be with this program and they said $37!! Every month – not just once!

Now $37 a month is more than I would prefer to spend but it’s a lot better than $106 a month!  So my advice before you say no to an expensive prescription – check around not only at different pharmacies for the price, but look online and see if you can find any discount programs.  Apparently they’re out there!

home made french bread

-My daughter made french bread for the first time and it was delicious! This is the recipe she used. Crusty French Bread  from Salad In  Jar.

-We haven’t purchased any bread, tortillas, or store bought baked items in months!

apple muffin

-I had two apples that were getting old and had a few bad spots.  I chopped them up and made this apple bread recipe into apple muffins. She already uses applesauce to replace some of the fat.  I did tweak the sugar as it’s got a brown sugar/cinnamon topping so I didn’t think it needed that much sugar in the muffin. I also used half whole wheat.  Yummy, healthy and no food waste!

urban farm magazine

I got a subscription to Urban Farm for $4.50 (actually a renewal) through  Money Saving Mom here. I don’t know if it’s still good – it’s through DiscountMags.  But that’s a great price since one issue costs $5.99.

She’s had quite a few magazine deals lately and I’m sure will continue to have more. These make great stocking stuffers. I usually print off a “certificate” to put in the stocking and sometimes I’ll buy an issue if I know it won’t get here in time and attach the certificate to it.

A huge thank you to everyone that used my referral link to sign up for Swagbucks!  If you have questions just email me.  Money Saving Mom is doing a series on 31 Ways to Earn Extra Cash Before Christmas and here’s her post about  Swagbucks.

Crinkle Cutter

Free From Amazon Using Swagbucks!

I used it to buy the crinkle cutter above. It’s a great way to be able to buy books and pay nothing since you can cash out for Amazon Gift Cards or buy on ebay or etsy since you can cash out for paypal too (as well as numerous other gift cards). My husband does it too and we use his Amazon GC $ to download movies through Amazon Instant Video. Netflix is great but they are slow to send new releases!

flowers in a ball jar

-I clipped some flowers from around my yard for a few arrangements this week. Pretty and free!

-I gave my fake fireplace a new look using materials I already had on hand, which you can see here

My Costco Shopping Trip

Last time I mentioned that I had gotten a free membership to Costco through our American Express Rewards.  We went and signed up last weekend.

Can you believe they don’t sell yeast!! We tried two different Costco’s in the Atlanta area (Cumberland & Perimeter) and neither carries yeast. I asked. That’s one of the reasons I was excited to shop there was to get a big block of yeast!  They did have big bags of bread flour at least.

Overall we were very happy with the prices and quite amazed at all the organic food offerings they had.  But you still have to know your prices. Some things are cheaper on sale at the grocery store or my local Asian market.

 cherry tomatoes

I hope you’ve found some useful ideas here whether you’re trying to pay off bills, or put a child through college (like us), save for a special event, or maybe you just need to cut back to keep pace with inflation (like us).

Well those are just some of the highlights of my recent frugal activities. Be sure to read the comments section of this and previous posts  for more frugal tips:

HSFH #3

HSFH #2

HSFH #1

I love reading all the frugal things everyone does each week so please leave a comment and let me know what you’ve been up to!

 

Freezing Eggs & Other Money Saving Ideas

I’m always looking for ideas that will help me stretch my dollars. So yesterday I spent a little time searching the internet for useful tips and came across some sites that I thought you might enjoy checking out.  Maybe there’s something new that you haven’t thought of doing for example using free tax software.

eggs in bowl

I know I’ve never thought of freezing eggs when I find a good deal on them.  I will from now on!

How to Freeze Eggs from the Thrifty Couple

The Peaceful Mom has an interesting 30 post series called Living On Less Than $28,000 A Year  that I read through and found some good ideas and things to think about.  She also has Financial Updates where she shares about her family finances.

The Budget Diet has a post on how to Cut Your Spending by $400 A Month. Most of the things she listed I already do but maybe some ideas would be new to you. As usual, I find the comments by readers most interesting.  My favorite comment was.

“Be thankful for ALL you have!  Saves a ton instead of shopping for MORE!”

Something worth remembering!

So read the comments for some awesome tips if the post doesn’t have anything new for you.

 

 

 

Home Sweet Frugal Home #3

Home Sweet Frugal Home #3

Are your dollars not stretching as far as they used to? Everyone has different reasons for wanting or needing to cut back.  I thought I’d start sharing some frugal things that we do as a way to not only encourage myself to stay on tract, but maybe give someone with similar goals some ideas.

One of my favorite things that I did recently was to remake a pair of earrings that were given to me!

Earrings

I loved the color but they were just way tooo big and heavy for me. So I took them apart and re-made them more my style.

turquoise earrings

 

I just used some regular needle nosed pliers that we have and and took some elements off and put some other elements on. This is inspired me to look through my jewelry box to see what other earrings I have that I can re-fashion. Seems when you wear dangly earrings you always lose one dangle or something falls off etc. I’ve seen people make really pretty necklaces and bracelets doing the same thing.

-We continued to make our own bread,tortillas and pizza dough (made some  ”healthy” oatmeal cookies which were nasty so I won’t even bother to give you the recipe).

homemade pizza

- We had homemade pizza for family movie night which we all decided is much tastier (and really much more healthy) than take out. I use turkey pepperoni -1/2 white/whole wheat crust- no salt sauce. I always make one that is all veggies – spinach or kale/mushrooms/onion/broccoli fresh tomatoes from the garden, whatever we have on hand. I also froze some pizza dough rolled out so all I have to do is top it for a quick meal.

ladybug wheelbarrow

Dug up and moved plants – divided plants. Bought clearance plants and shrubs to plant in my garden. I need a lot of shrubs to replace all those that Colonial Pipeline cut down so I’ve been waiting for fall clearance to purchase the bulk of them.

-Planted my fall/winter garden .  Continued to harvest kale, tomotoes, peppers, eggplant, swiss chard, green beans & herbs.

fall grapevine wreath

Made myself a fall wreath from bits and bobs of fall things I had on hand. Not sure if this is the end result or if I’ll tinker with it a bit more. But wanted to show  you anyway :)

blue grapevine wreath

It used to be blue for spring – I spray painted it a mellow yellow for fall. That’s the fun thing about these grapevine wreaths. You can spray paint them to get a new look! BTW I always always see grapevine wreaths at the thriftstore – so look there if you need one. Also Target has little ones in their dollar section right now.

- We got a Free one year Costco membership through American Express Rewards. Very excited about that as I’ve read that it’s a great place to buy yeast and flour in bulk and since we bake our own bread, tortillas, pretzels,pizza dough, cookies etc from scratch we go through a lot of yeast and flour.  My husband has a Corporate card that he uses for travel that we have linked to our family card for reward points. We don’t use our own card very much but since he travels quite a bit we are able to get a couple of gift cards a month from his work expenses (which he is reimbursed for).

hot air popcorn popper

-I was making popcorn on the stove top for snacks, but realized that all that oil I used wasn’t healthy or economical. So I got a hot air popcorn popper for free from Amazon using my Swagbucks gift cards. I’m sure most of you have heard of Swagbucks by now. I do a couple of points programs but Swagbucks is the best one as far as I’m concerned. For all you Kindle Fire users – be sure to download the Swagbucks tv app to your kindle. Much easier and faster to get points than watching Swagbucks TV at the site. I usually get $25 dollars in Amazon GC’s a month and 1 ($5) PayPal.  My referral link if you haven’t signed up yet is here.  I’d be happy to answer any questions you have about how to get started.

Well those are just some of the highlights of my recent frugal activities. Be sure to read the comments section of this and previous posts  for more frugal ideas:

HSFH #2

HSFH #1

I love reading all the frugal things everyone does each week so please leave a comment and let me know what you’ve done!

Home Sweet Frugal Home #2

A Cultivated Nest - Frugal Living

 

Are your dollars not stretching as far as they used to? I know mine aren’t! So I thought I’d start sharing some frugal things that we do as a way to encourage myself and maybe give someone in a similar situation some ideas. 

Be sure to check out the comments in Home Sweet Frugal Home # 1 here for more money saving ideas!

Here are a few highlights of some recent frugal things I’ve done:

aprons

This may seem like an odd thing to include in a frugal roundup post, but one thing I’ve started doing is wearing an apron while cooking. I have about 5 or 6 cute aprons and used to rarily wear them. Then I’d be making tomato sauce (it always splatters) and I’d get sauce on myself or somehow I would get whatever I’m cooking on myself. I’ve ruined so many perfectly good shirts this way! This should help me save money in my clothing budget!

-cut my husband’s hair (I’ve been doing this for years)

-froze leftovers instead of keeping them in the fridge where I’m bound to forget about them and then had leftover buffet for lunch one day. Wasted very little food this way!

Real Simple Magazine

Went to the library and checked out a few dvd’s and books. Also got the last 5 issues of Real Simple for 50 cents at the library (all magazines are 10 cents each at my library). I was quite excited because I never buy this magazine and the cover always looks good.  I think I spent 50 cents too much :) !!

-saved my orange and lemons peels and added to them to white vinegar to soak for when I need to make some more scented all-purpose cleaner

homemade tortillas

My amazing daughter made homemade whole wheat tortillas and then used them to make  taquitos. This was all inspired by the fact that I said no to buying a box of taquitos when we went grocery shopping. Her homemade baked version was delicious and much healthier than buying a box of frozen ones. I also froze the tortillas she didn’t use.

homemade crackers

She also made homemade crackers. This was her first time for making both! They were also delicious!! She had a bit of trouble trying to roll the cracker dough thin – any suggestions?

-In the garden -I harvested more tomatoes , a handful of green beans, 2 bell peppers and enough leaves of kale and swiss chard everyday to add to our morning smoothies. Also planted some lettuce, spinach and radishes. It’s been too hot for lettuce to grow so I’ve had to buy some all summer, but now that it’s cooling a bit it’s a perfect time to seed some.

homegrown garlic

I pulled the garlic I planted last fall about a month ago and have been letting it dry in the garage. I think I have enough organic garlic to last a few months :)

So that’s just a bit of some of the frugal things we’ve been doing lately.

What have you done lately that’s frugal?

 

Home Sweet Frugal Home

Home Sweet Frugal Home

I don’t know about you, but I know our dollars are not stretching as far as they used to. Grocery prices seem particularly bad and with the drought in the midwest are only going to get worse. We’ve also had a significant change in our healthcare costs. We used to have no deductible and only had  a co-pay to see a doctor. Since July we’ve had $2500 deductible (which I met when I had a $10,000 CT scan!). Oh did I mention our second car died and we’ve have 3 people using 1 car in a town that doesn’t have mass transit? So we’re also saving for another car. We want to pay cash.

We’ve never been big spenders but we decided at the beginning of summer that we really needed to do better (we still have two more years of college to pay for as well after all).

So I thought I’d start sharing some frugal things that we do as a way to encourage myself and maybe give someone in a similar situation some ideas. I don’t know how regular this will be but I’m shooting for twice a month.

Here are a few highlights of some recent frugal things I’ve done:

garden harvest

Veggie garden harvest! My bounty from one day in the garden. The temps have been cooling and we’re getting some much needed rain. Me watering my veggies is not the same as a deep soaking rain water! Also harvested herbs. I have another cantaloupe on the vine!

-used white vinegar in the rinse agent container in my dishwasher. Much cheaper and works just as well.

-went through my old “painting t shirts” and cut them up to use as rags instead of paper towels

bowl of cherries

-pitted and froze some cherries my husband brought home from a business trip. He gets a meal allowance when he travels and sometimes when he doesn’t use it all he brings home some things that we wouldn’t ordinarily buy. Like a couple of pounds of organic cherries! I did tell him that he doesn’t have to buy all the fruit in a bag – he can take some out. It was a new and novel idea to him :)   Anyway, I had just bought a 1/2 lb of non-organic cherries the day before and knew I wouldn’t be able to eat all of them before they got soft. So I froze some to use in smoothies or maybe for a nice cherry crisp to have  in the middle of winter- won’t that be a nice treat!

-we stopped eating  a lot of meat as of last November. We really only have meat two or three times a week and even then it’s small amounts. I made creamy basil chicken for dinner and sliced each boneless chicken breast in half – that gives me 2 meals from 3 chicken breasts. I slice them the long way – so they’re thin (like if you pounded them to make them thinner).  We try to make the veggies the bigger portion on the plate.

plants in containers

-all summer we’ve kept a bowl in the sink and a bucket in the kitchen. When we rinse veggies or strain pasta etc. We capture the water in the bowl then empty into the bucket. I use that water for my ferns planted by the front door and all my plants on the deck and porch.

-I watched some YouTube videos on how to dehydrate vegetable and fruits. I do freeze quite a bit of summer produce but I’m running out of room and anyway, I think it’s a good idea to have canned or dehydrated food on hand since you never know when the power will be out. We had an ice storm one year where we didn’t have electricity for almost two weeks!

-my amazing husband fixed our gas grill! He went to use it one day and noticed that the burner bar was totally disintegrated!

broken grill part

We did look at new grills  but even a good inexpensive one was more than what we really wanted to spend. So we found our manual (that grill is 5 years old but we keep all of our manuals in one place). Located the part number – did a google search for that number and found a place that sells replacement parts.

fixed grill part

So for $27 my husband replaced the part and now the grill is good as new! Plus the grill got a good cleaning in parts that you normally don’t even see! Also, it’s something he’s never done before, but he was at least willing to try!

 

laundry drying

 

It’s been so hot that the laundry we hang to dry dries quicker than it would in the dryer! Now that’s hot :)  We always dry our kitchen towels on the line and rack. We don’t always do our clothes. But I’ve found that putting the clothes in the dryer for about 10 minutes when they’re almost dry – makes them soft and not scratchy. 10 minutes vs. the 60 minutes it usually takes is quite a savings in electricity!

cheese stuffed pretzels

-my equally amazing daughter made some cheese stuffed pretzel rolls. They were sooo good! We had them with some salad. We froze half of the dough to make cinnamon pretzels for snacks for another time. Here’s the recipe she used Ham and Cheese Stuffed Pretzels. She left out the ham.

-I also browned 2 lbs of ground beef and froze it for quick meals. We only eat grass fed beef but we eat so little of it that it doesn’t matter that it’s more expensive. I usually add beans when I use it for Mexican recipes and we use it more as flavoring in pasta dishes.

So that’s just a bit of what I’ve been doing lately. What have you done lately that’s frugal?

 

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The Envelope System

google images

The envelope system is a great budgeting tool! I used to use it just for groceries and then slacked off but my grocery spending got out of hand. I was using my debit card but it’s just not the same as using the envelope system (at least for me). I would always know subconsciously that I really had more to spend than my allotted amount if I found a “deal”.   I found “deals” every time I went grocery shopping LOL! Now we’re using it for a few more categories besides groceries.

Basically, what you do is create a spending envelope of cash for your budgeted categories. For example, if you are budgeting  $100 a week for groceries. You would put $100 in cash into your grocery envelope and when that’s gone – it’s gone. That’s all you can spend because that’s all the cash you have. Also, if you only spend $60 then that leftover $40 could go into next week’s grocery envelope or you could use it for something totally different.  Like a new china cabinet ~ smile!

Only you can decide what categories to use envelopes for. Some people like to have a gas envelope. Some people don’t want the hassle of going in to pay for fuel, they want to pay at the pump. Someone might spend a lot on cosmetics and want to control their spending in that area. An envelope with a budgeted amount for that category would be a good idea. Me – I hardly wear makeup so I spend close to nothing on it. That’s not a category I need to control.

My snazzy Red envelope system from Dave Ramsey

On the other hand, I have added Books to my envelope system because I could go crazy (and often have) in a bookstore.  Even though we utilize our library AND we buy books at the thriftstore, we still spend waaaay too much money on books.

I’ve also given myself a Thrifting budget. Because honestly, I have a very nice Goodwill  about 10 minutes from my house and I could buy something there every time I go! Whether I really need it or not! Little dribs and drabs of money, here and there, they all add up in the end. So I’ve given myself a small budget to buy totally useless but pretty things. This does not include some major pieces of furniture I’m looking for which is in another budget category and might or might not be purchased at a thriftstore.

I’ve also added Dining Out.We try not to eat out alot, but we were getting into the habit of having lunch out every Saturday along with breakfast out during the week and an occasionally dinner out also. That’s just too much money going out of our budget for that in light of the fact that we have a daughter starting college this year plus we just had to have a new furnace/ac unit installed PLUS all the other things we want to do – on one income.

I’m using my Dave Ramsey envelopes right now. But you can certainly use plain old envelopes as well. Cyndi (Cyndi’s Re-Creations  ) sent me a link to a tutorial Free Envelope Template & Tutorial  that Kelleigh did on her blog  Kelleigh Ratzlaff Designs .

How cute are these envelopes! I’m definitely doing her tutorial  and making my own once the ones I have wear out.

Or how about these cute fabric envelopes made by Heather  Are You Using the Envelope System.

Give it a try. Start with one category and see how it goes. It may take a few months to tweak your budget and get the right amount for each category. So don’t become discouraged if it doesn’t work for you right away.

I think using the envelope system lets you really comprehend how much money you really really have versus some abstract or general idea of how much you have to spend. I’m hoping it’ll keep our spending in line. I’ll let you know in a few months how it’s working for us!

Here are some links to checkout if you’d like more info:
Dave Ramsey Envelope System
Simple Mom – Envelope System - great post about how she manages it
Mvelopes - an electronic version of the envelope system for those that don’t want to carry cash. I’ve never used but have heard alot of good things about it.

 

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