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Showing posts with label Living Below Your Means. Show all posts
Showing posts with label Living Below Your Means. Show all posts

Buying In Bulk .. and better home management

Sunday, January 9, 2011

Well .. the new year is starting off good.  The family seems to be on board to purchasing groceries in bulk.  We are slowly switching from a monthly supply of goods in the pantry .. and adding six months of supply.  This means .. and here is where the adapting comes in .. that I don't have to take any grief if we are out of a particular item.  Say mayo .. or .. bread .. or a hundred other things they complain about if we are out of.  I have been making mayo (for example) for the past six months.  If we are out .. it's because I may have just one farm fresh egg left in the fridge for an emergency .. so make your sandwich with mustard and get over it (LOL).  Too much 'want' .. instead of basic need .. this is 'a-changin' ...  hallelujah!  We are saving up for a flour mill.  I hope to have enough money by the time we have used up our current supply of flour.  And .. my friend, Maria .. at Shallow Thoughts From Iowa .. buys her coffee beans (fair trade) green .. and roasts them herself at home ... will attempt this as the organic grind I buy is pushing $11.50 a pound.  Please share any cost savings tips you may have.

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Making Every Dollar Count

Friday, December 3, 2010

Yesterday was budget day a The Mangy Moose Lodge.  I have been working with a household budget for the past eight months; it's getting easier.  Allocating our spending categories at the beginning of the month ..  makes for good spending habits.  Its' easier to say "NO" to impulse buys.  Christmas shopping is easier with cash set aside in an envelope.  When the $ is gone .. no more shopping :).  Our youngest daughter is just starting out in life .. albeit .. still at home .. but learning good foundations that will carry her through life.  Being able to live on a fixed income AND budget will be vital for her future success.  Today I helped her type up an easy to read budget form that she can print out each month and fill in with pencil.  Learning to live within your means at an early age is a very good thing.  Our economy and government could use a good dose of living within a budget .. my wouldn't that be a saving grace!


Speaking of making every dollar count, look at the good turkey stock and meat that was made from cooking the turkey carcass after Thanksgiving.  We had a small 13 pound bird that gave us enough for an additional three meals ...

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Small Steps

Tuesday, November 2, 2010

Big gains. 


It's hard to remember shopping with store coupons for ready made food products.  Our food bill was about double what it is now.  The change to eating whole foods started off slowly and has snowballed.  A little step here and there has added up to a total makeover with more changes to follow.  Having a set amount of cash to shop with each month, slowly stocking up on single item pantry/freezer goods (flour, eggs, veggies, meat .. etc) .. makes for quick meal preparation and planning.  Purchasing went from several times a week to once or twice a month.  Honestly .. yesterday was big shopping day for the month of November.  Our budget is $400 cash (family of four); this does not include much meat as that is separately budgeted and purchased from a local ranch each summer and kept in a chest freezer.  Having a well stocked pantry, I came home with only four bags of grocery staples.  Milk, cheese, spices, potatoes, tea, chips, etc. leaving me $220 until the end of the month.  Over the summer, the garden and local u-pick farm supplied fresh produce, much of which has been frozen, canned or dried for winter's use.  Buying and growing locally usually ensures better quality.  Getting to know the farmer and their farming practices helps when making choices outside of your own garden.  Separate freezer space allows for extra gallons of milk to be stored until needed, eliminating that dash to the market (that turns into a $20 shopping spree).  Milk and hard cheese both freeze beautifully.  Just remember to pour a little out of the carton to allow for expansion; the extra can be put in a wide-mouth labeled mason jar and frozen.  When we are out of milk it's nice to have a few cups in the freezer to tide us over until shopping day.  Learning to budget food has taken about six months.  Eliminating convenience foods has freed up dollars to buy good quality staples such as flour, oil, milk, produce, etc.  With the exception to canning and bread making, cooking from scratch takes no more time than ready made convenience food with practice.  Adapting our favorite family recipes to be more nutritiously prepared has won over my family to eat better. 

photo by Mrs. Mac
Yesterday's lesson:  Everyday I try to learn something new in the kitchen.    My husband and daughter still prefer those yummy-foo-foo sweetened (FAKE) creamers.  Thinking outside of the BIG BOX store mentality, (and not having the money in the budget for their 'desires') I purchased half-and-half and doctored it up, making it a little less sweet and without all the FAKE chemicals.  We call it Autumn Carmel Spice Coffee Creamer, they're hooked :)  .. I'll drink mine black or with a splash of milk.  You can make flavored creamers using a similar method and your flavor of choice.

Autumn Carmel Spice Coffee Creamer:

1/2 pint good quality half and half (the only ingredients should be cream and milk)
1 Tablespoons organic sucanant (unrefined sugar)
2-3 Tablespoons organic raw sugar
dash of cinnamon
small pinch of sea salt
1 Teaspoon good quality pure vanilla flavoring (watch the ingredients .. they should all be pronounceable and familiar ones:)


Put a few tablespoons of half and half in a small sauce pan.  Add the sugar, cinnamon and pinch of salt.  Stir over medium heat for just a moment until the sugars dissolve.  Do not let it come to a boil or the butterfat will separate and float on top of your coffee (bleck).  Slowly add the additional half and half and the vanilla.  Stir until well mixed.  Cool and pour back in the carton .. marking it as flavored coffee creamer.

The road to better nutrition is as individual as each family.  Do you have a favorite shopping strategy?

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An Awakening

Monday, November 1, 2010

Nearing the end of gardening season.

Storing (drying) food for winter's use.
... is slowly taking place in the western world.  Perhaps from shoddy goods, a desire for better health, knowledge of big ag's poisonous onslaught, enlightenment of how our food is produced, a desire for REAL FOOD, these and many more reasons (economic) people are sharpening their gardening 'tools' and rethinking how to live a better life.  A life apart from the entanglement of BIG BOX companies that produce FAKE FOOD.  Food that robs the very life from a person's health at the cost of the all mighty buck.  Well .. the buck stops here with my family.  We need to educate and nurture our loved ones back into the 'fold' with good food .. not just served up at the table on a Sunday afternoon .. but how to make better choices when eating and living each day .. even in this fast paced, out of control work system many of us are in.  Standing together, we CAN knit our families a better future; are you game?

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It's A Wrap

Friday, April 30, 2010

Can you believe April has come and gone.  So much education in regards to sound economics has taken place this month at The Thrifty Garden/Home.  I have already figured out the household budget for May and have committed it to a spreadsheet.  Having such  .. an on target .. to the penny success with the April budget, I'm going to change grocery shopping gears to be even more thought out.  I can not lower the $ amount of $350 for the month ... but I have made plans to shop only once for May.  This will take a considerable will power on the entire family's part.  Since we got our paycheck a day early and I had the budget done ... I took the opportunity to do the actual shopping yesterday when I had no kids to watch. The pantry shelves, refrigerator .. and freezers are stocked.  I have taken a Sharpie marker and written on many of the items, that have to be rationed (when they can get used) and stored the excess in my basement's storage room (out of sight;)  ... Everyone got a 'warning' that if they used up any of the rations beforehand ... they will be SO SORRY!;)  I'm confident that everyone is on board with the plan.  It was almost comical towards the end of April when we were running out of food items (flour/butter .. etc.) .. and I had to get very creative with meal plans ... but everyone survived without having to chew a foot off;)   I did set aside $50 to supply extra fruit & produce .. sparingly when needed in May.  This has been a GREAT learning process ... and makes me understand why my (Great Depression era) MIL would often re-use teabags ... and my FIL would just put another scoop of coffee grounds in the coffee maker, on top of the morning's used grounds, for a noon time pot of coffee ...  we haven't gone that far YET:)  What's the thriftiest thing your family practices at home?

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End Of The Month Round Up

Monday, April 26, 2010

Yes, $350 +$20 from fire fighter son has been a tight squeeze for food funds.  We have four days to go until PAYDAY ...  You can bet I already have my shopping list ready and waiting!  Hubby was looking for   crackers today ... sorry ... you have to WAIT until shopping day (I haven't bought crackers for months because most are filled with JUNK).  I offered him some carrot sticks and a chunk of cheese ... saying dinner is in 45 minutes ;)  (He survived)  Our freezer food is being used up ... and fast.  If my planning is good, we have just enough frozen berries, freezer jam, and hopefully beef to last until summer when I restock for the year.  Tonight I made venison meatloaf (no one asked about the 'mystery' meat), steamed carrots, and potato salad.  The ten pounds of organic carrots earlier this month was a good buy.  They come in handy for snacks ... and as a side dish. The hardest part of making all of our food is not running out of bread.  I have to stay on top of this .. which is not always easy; one day soon I'll stock the freezer with a few extra loaves.  I have $2 and some spare change from this month's budget, Yippee!  Proposed meals from what we have on hand this week:

Dinners
  • dinner omelets with biscuits and jam
  • turkey noodle soup with a green salad
  • buffalo stew
  • tacos with refried beans
Lunches
  • egg salad sandwiches
  • veggie sticks with grilled cheese sandwiches
  • leftover soup with veggie sticks
  • taco salad (from leftover dinner tacos)
Breakfasts 
  • buttermilk pancakes
  • oatmeal
  • blueberry muffins with smoothies
  • eggs & toast

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Ten Day Countdown

Wednesday, April 21, 2010

This week I entered our budget on my computer program's spreadsheet (Microsoft Works Monthly Home Budget).  This has proven a much better option to pen and paper as I can do a little fudging with the numbers much easier than erasing and correcting the paper version.  Also, at the beginning of the month I can enter a minimum (fixed) salary amount ... and in the next column enter the actual salary after payday.  This is very helpful for people that have fluctuation in their monthly pay.  I set the budget on the minimum fixed amount so I know the least amount of money to budget.  It's a blessing when I can go back later and enter the actual salary and fatten up some of the categories if we get more income.

We're in the final stretch of April.  I have exactly $50 grocery money to last to the end of the month.  I think this is doable!  This means our family of four (often 5 & 6 from son and grandson) survived on $370 worth of whole food groceries ... a family record!  Do you keep track of spendingIt's amazing how much more aware you become when you have a budget worksheet to keep you on track.

picture image from here

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Pinching Pennies ... Frugal Advice From The Ultimate Cheapskate

Saturday, April 17, 2010


Yahoo news has an article today featuring author Jeff Yeager.  He has written a book titled, The Ultimate Cheapskate's Roadmap to True Riches.  He says, "We shouldn't be asking ourselves "How can we afford it?" We should instead be asking, "Do we really need it?"  Here is the article in full for your Saturday read.  Mr. MacFrugal and I have been sticking with Dave Ramsey's program, The Total Money Makeover, paying off debt at the speed of a gazelle!  Once you get on board with the debt elimination process, it becomes somewhat of a game trying to be frugal.  You know, living off beans and rice, rationing, doing without, etc.  

Today my daughter Ann asked if we had any organic sugar for her morning coffee ... I said all I have is plain old brown sugar sweetie ... it's out of the budget this monthDo you really need sugar in your coffee ... try it with or without the brown stuff.  She's catching on and becoming a convert to all things frugal.  Tomorrow night we are inviting the family out to dinner at a restaurant.  A rarity around here living on a shoe string.  But, we've saved up enough money and want to get together ... here's the stipulation.  Dad is handing each adult child a set amount of money.  Individually or as a couple, they have to order and pay for their own meal(s).  If they go over, the cost difference is on them.  You won't believe how much money a family night dinner would cost when dad was paying for everyone without any limits.  I'm sure they will all be ordering water as their beverage of choice if they have to be creative with funds.  Our latest money idea is to eliminate buying everybody individual Christmas gifts .. instead opting for drawing names from a hat.  Maybe tomorrow night will be a good time to draw names.  Then we can take our time figuring out what would be a nice gift to purchase ... and maybe even find it on sale this summer.  I can just imagine how much less stress this will cause come Christmas.

What about you ... are you in a frugal mode?  Do you have any frugal ideas that are working with your family? What's the biggest savings plan you've come up with?

Some more worthy reads:
Dave Ramsey on How To Cut The Food Budget
Dave Ramsey on Spring Gardening On A Budget

PhotoFreeFoto.com

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Who Knew ...

Wednesday, April 14, 2010

being so frugal was catching on.  Nearly 800,000 people cut their cable subscriptions in the U.S. for various reasons including:  Trash coming  out of Hollywood, price, advertisements, more reading time, renting or downloading Netflix movies (a favorite in our home) ... While not an overwhelming number of cable subscribers ... it is a trend and will only increase.  How about you ... are you still tethered to your TV connection?

Read more here

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The Old Barter System

Friday, April 9, 2010

... aka meet your neighbor at the back fence to swap goods:)  This was a common practice in days of yore.  Imagine being a new settler and having very few provisions ... or a young couple starting off ... You have some seeds or plant starts or too much sourdough starter.  Your nearest neighbor has too many onions to plant or too much lye soap, etc.  Our pioneer great grandparents would have surely traded or sold goods to their neighbors.  Most people had a very limited income.  Health insurance was unheard of.  The area's doctor made frequent house calls and often took eggs in exchange for his medical expertise.  School teachers were paid a small stipend and took up room and board with a student's family.  And to think ... big government was not around to intervene and dole out social services.  People relied on one another ... their families ... neighbors ... friends ... churches ... guilds ... to help meet needs.  In light of the mess of the current generation ... and a government that is trying to spend it's way out of debt ... we may need to return to the creative ideas of our ancestors to help make ends meet.  To rely on mankind instead of a wasteful government system.  Food for thought.

copyright free image from here

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April Grocery Roundup

Thursday, April 8, 2010

Week Two:  I can not believe how much EASIER it is to shop with limited funds:)  Today was our second trip to town this month for a weeks worth of supplies.  Mr. MacFrugal is 100% behind the budget process.  He almost has a giddy attitude .. as if he has gold fever ... in reverse.  Gold fever in the fact the he's keeping more of his own gold;)  Today's grocery bags included:

  • Two gallons of whole milk (we make buttermilk, yogurt & now kefir)
  • 3 lbs of bananas
  • 10 lbs of organic carrots
  • 1 tub of cashews (I deferred buying vanilla at Costco til next month to get this for hubby;)
  • 1 head organic romaine lettuce
  • 5 lbs organic white whole wheat flour
  • 1 small baggy of bulk dried organic thyme
  • 2 bags of natural potato chips (such a deal .. some nice person left two $1 coupons behind;)
  • 1 package of local specialty bacon
  • 1 package of local specialty German sausage links
  • 1/2 lb local specialty roasted turkey breasts for sandwiches
  • 2 dozen local eggs
Grand Total:  $63

Local Stores:  Tim's Custom meats ($17), Pilgrims Health Food Store ($9),
National Chains:  Costco ($29), Walmart ($4)
local eggs ($4)

With or without economic hard times, are you on a living budget?  If so, how do you keep on track?

FreeFoto.com

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Closing In On $10K A Year In Savings

Tuesday, April 6, 2010

... oh yea baby!  Stepping back in time ... examining how our great grandparents lived ... has been a good exercise in frugality.  Looking at pictures ... seeing their simple lives ... cutting out waste from our own family income ... has taken us one step closer to kissing debt goodbye.  Our latest cost saving find is examining our auto/home/life insurance premiums.  By making yearly payments instead of monthly/quarterly/semi-annually we have discovered a minimum of $200 savings per year; or $2,000 in ten years ... sure adds up!  If you are driving an older car .. try dropping comprehension and just carry liability insurance for a bigger savings as well.  Tomorrow I'll have a precise figure once we also bump our auto and  home insurance policies from a $500 deductible to $1,000.  Keeping more of our hard earned money out of the pockets of big insurance companies ...  now that's a good thing.  Having a reserve/emergency fund should a crisis arise ... priceless.  For more cost saving ideas ... check out the side bar of this blog to see what we've axed from our budget to get our mortgage paid off early by simply changing spending habits.  What have you cut back on or changed in your way of spending money in this tight economy?  Leave a comment if you have a great idea ... Mr. MacFrugal is always asking me for more ideas.

Update:  switching homeowner's insurance deductible to $1,000 netted an extra $66 bucks a year and $24 savings on our automobile policy.

image from FreeFoto.com

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Tunnel Vision At The Market

Thursday, April 1, 2010

Today is budgeting and market day.  Alone!  I'm taking a gamble and withdrawing an entire month's worth of grocery money today.  Cash is harder to part with than swiping a debit card.  $350 is the budgeted amount ... a bit tight ... especially with Easter dinner.  Shopping at Sprawlmart was horrible.  A sea of people.  Stacks upon stacks ... row upon row of needless junk and packaged goods calling out from every isle and corner.  People milling around throwing junk in their carts without a second thought.  I took a peek down the candy isle and was shocked to see the crowds of people AND the nearly 1,000 items of Easter 'goodies' to choose from.  This place truly is one big fat FAKE food warehouse!  And people wonder why there is an obesity problem in the USA.  Today's purchase was small ... for the size of the store; all whole food items .. and a bottle of hot sauce.  A quick stop at Costco and a local specialty butcher shop ... then home.  If it wasn't for my tight budget ... I'd have skipped Sprawlmart altogether.  How do you maneuver the 'shark infested waters' of the market?

copyright free image from here

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Do Not Say There's Nothing To Eat

Wednesday, March 31, 2010

... is a phrase I often tell my kids.  You need to learn how to make a meal from flour and water if need be.  Yes, there may not be anything ready to grab out of the fridge or ready made sitting on the pantry shelf ... but as long as you have a little flour and water ... you will eat.

Ann, my twenty year old college student (living at home), got out a spiral notebook this morning.  She said she wants to know how to do certain skills before she moves out.  Maybe she hasn't taken the time to be very observant ... or maybe I've always just done too much .. whatever, I was so tickled that she wanted me to teach her how to make things before she leaves the nest.  Here's a sample of what's on her list:
  • make good salad dressing (ranch & vinaigrette)
  • make a good pot of soup
  • make stock 
  • make stew
  • learn how to package food for the freezer
  • learn to make cleaning supplies
  • learn to read labels on foods
  • BBQ tips
  • only wash full loads of laundry
  • make beef jerky
  • homemade hamburger patties
  • homemade cheesy biscuits
  • homemade pancakes/waffles
She's already gotten the run down about debt for the past few years and will enter the world with no student loans or credit card debt ... or a car payment; she seems to have relaxed a bit (just a bit) about taking ownership of my old soccer mom van that is hers if she pays insurance, gas and registration.  It's not pretty ... but gets her from home to school to work and home again.  Today she made the buttermilk dressing and discovered that it's more cost effective to do full loads of laundry ... the sting of paying higher utility bills is hitting home for this daughter of mine ... finally!   (So what did we make with flour and water ... Parmesan-herb bread sticks to dip in the yummy ranch dressing ... Thursday is grocery shopping day ... we're at the bottom of the barrel.)

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Mr. Mac(Frugal)'s Thoughts

Monday, March 29, 2010

... about a financial diet:  What started the whole topic of becoming debt free in approximately twenty-one months ... there's a possibility that his job will be absorbed by a larger city entity (in 2012) and he'd have to be retrained as a police officer all over again.  His current gig is just a filler job since his official retirement from another dept. two years ago after a twenty-plus year career.  Our original goal was to be mortgage free in four years and he'd retire once again with another small pension.  But this is probably not going to happen.  We have a monthly pension ... plus his 'gravy' job.  Now at the age of fifty-nine, he's just not going to go through anymore field or physical training to be 'absorbed' in a bigger city's PD.  With that said ... a financial diet will be in order.  We can live comfortably on his pension ... even with a mortgage payment ... but how much the better would it be to be financially free.  Scrimp and save for the next year and a half ... to be rid of any debt.  Now with that said and 'out there' ... he and I will be working out a strategy to remain financially sound AND debt free.  He actually brought up the subject of a budget when he got home from work last night.  Here are a few steps we will make this week:

  • pray about our situation
  • discuss what expenses will be 'cut out' with our adult kids
  • write out a monthly budget (clean start each month)
  • use cash or debit card for purchases
  • use our old envelope system for cash purchases
  • review what household expenses will be axed
Stay tuned for a monthly progress report.  

Image:  Free.Foto.com


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    Credit Card Debt ... A Nation of Debtors

    Sunday, March 28, 2010

    I have no accumulated credit card or car payment debt.  The past decade or so Mr. Mac and I have always used cards sparingly and ALWAYS paid them off each month.  With that said, I have played along with the 'use' of credit to get bonus points or monetary refunds at the end of the year.  Today, I'm going to talk with Mr. Mac about cutting up the cards and going back to using only cash or our Visa Debit(Credit) ATM cards.  It will be a good cathartic effort towards being completely debt free in just a few years when our mortgage is paid off.  Gone will be my bonus mileage points that seem to disappear before I'm ready to use them ... or figure out HOW to use them.  Gone will be my Costco/American Express card that lures me into the giant arena to buy a pathetic box of organic butter or bananas each week.  It's time to examine exactly where the grocery savings is going now that we have cut that expense by 1/3 to 1/2 each month.  Too many gimmicks.   Too many games.  I want to live as though each dollar hubby brings home is well divided:  Giving/Savings/Spending.  And all the extra will go to getting rid of the last of our mortgage debt ... and continue teaching our grown kids about being/becoming financially fit to weather the hard economic times that are still ahead.  I'll report back on Mr. Mac's thoughts;)

    Graphic credit here

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