budgetsmartgirl

Archive for March, 2009|Monthly archive page

The Blog-Sometimes Cheaper Is Better

In The Blog on March 30, 2009 at 4:40 pm

Two weeks ago I did a couple of interviews and on both occasions I was asked if I really believed that cheaper products can be just as good as their more expensive counterparts. I used my recent trip to the dollar aisle in the supermarket to illustrate my point. Everything I’ve purchased there so far hasn’t been substandard or tasted awful. And last week I found something else that I could have used as an example.

For years, I’ve been handing over $30-40 for a haircut. I’ve paid that price because that seems to be the going rate where I live. Have I always been happy with my hair…no. I’ve often come home and restyled it and even tried cutting it myself. And yes, I’ve tried the low cost cutters and haven’t liked them either.

Last week my hair was driving me crazy and I couldn’t stand it any longer, I had to get it cut. The previous week I’d received a coupon for a $11.99 haircut from Fantastic Sams. I’d never been there before and on Friday I thought I’d give them a try. And I’m glad I did. They don’t just spray your hair with a bottle of water, they actually wash it. The girl gave it an excellent cut and when it came time to pay, I discovered they had a haircut sale going on and ended up paying just $9.99. My hair looks great and much better than any of the $30-40 haircuts I’ve had. I’m so happy with my hair; I’ll be heading there again. And it proves my point that sometimes cheaper is better.

Coming up this week on Budget Smart Girl, tips on vegetable gardening and places to get deals on everything from seeds to fruit trees.
Have a good week.

Budget Foods and Ideas to Check Out

In Budget Smart Cook on March 26, 2009 at 1:20 pm

Everywhere you look these days, food companies are offering suggestions for low cost recipes. Even the local supermarkets have arrows pointing to great deals. I’ll admit some bargain foods taste awful and they can get boring after you’ve served them a couple of times. Here are some foods I got on sale and have to say they tasted anything but bland or inexpensive.

photos-for-budget-food-blog-002

The first one is the Chef Boyardee pizza kit. Remember money saving experts say you should look on the bottom and top shelves because that’s where the bargains are. It’s true because this pizza kit was sitting on the top shelf and cost only $3.45. And it makes two 12 inch pizzas. Why I think this is a good buy is you can eat it as is or you can add leftovers to it. Maybe vegetables, bacon, or even more cheese. And as you make it yourself, children really like to get involved.
Next product is the Yakisoba noodles. I purchased these from Walgreens and three boxes cost $3.33. Once again they’re great on their own for a quick lunch or you can dress them up with more vegetables and even leftover roast chicken for supper.
The Pasta Roni cost just $1. I’ve been buying Rice a Roni for many years and use their Spanish Rice flavor for everything from burritos to stuffed tomatoes in the summer. I hadn’t tried the Pasta Roni, before. Once again I was really impressed. I just love the Tomato Parmesan flavor. I added more cheese as a topping and served it with a salad. The Four Cheese flavor is great as a more sophisticated mac and cheese. Sun dried tomatoes are also a nice addition or even tuna.

photos-for-budget-food-blog-003

The Michelina’s products were on sale for $1 each. Sometimes I’m weary of the low cost frozen items, but once again I was really impressed. I served a chicken stir fry with the rice and vegetables. And all the lasagna needs is a side salad.

photos-for-budget-food-blog-004

And here are some ways I use other low cost items.

Spaghetti
Spaghetti is great for making Asian dishes. One of my favorite recipes is to take cooked spaghetti, add some oil, soy sauce, some stir fried vegetables like carrots and red peppers. Toss everything together and top with some chopped peanuts or sesame seeds.

Tuna Noodle Casserole
Who doesn’t love tuna noodle casserole? But if the family starts getting sick of it, try adding things like fresh sautéed mushrooms, and I’ve even added curry powder.

Fish Sticks
This is a great time to stock up on things like fish sticks. Most kids love them, but once again they can get boring if you serve them too often. One alternative is fish tacos. You can use hard or soft shell tacos. Spread the shells with a mixture of mayonnaise and taco seasoning. Add the fish sticks and top with the usual lettuce, tomato and salsa. I’ve found pineapple salsa is really great with the fish.

Potatoes
Potatoes are still a bargain and here’s something I’ve been making for years. If you have a picky eater in your house, they’ll love this.
Bake a potato, cut it in half, scoop out all the potato and put it into a bowl. Mash it with butter/margarine, milk and enough cheese to taste. Put your empty baked potato shells on a baking sheet. Take a can of baked beans and spoon the beans into the empty baked potato shells. Top with the mashed potato and then top with more shredded cheese. Bake in a 350 degree oven for about 15 minutes or until everything is heated through and the cheese is bubbling.

A Low Cost Home Makeover

In Budget Smart Girl's Guide on March 26, 2009 at 1:14 pm

I don’t know about you but when spring rolls around I always think about redecorating or changing the look of certain rooms in my house. A couple of weeks ago I decided to get a head start on my spring cleaning. My first task was cleaning all the carpets. As I was moving the couches and chairs around, I realized that I really liked the look of the room with everything in a different spot. So tip number one, try moving a couch or even a chair to the other side of the room. It almost makes you think you have new furniture.

Some Paint
One of the cheapest ways to get a home makeover is to give the walls a fresh coat of paint. Whether it’s to just clean them up or give them a whole new look; it’s surprising what just one can of paint can do for a room.

If You’re Not an Artist
Here’s something a friend told me about. These stick on your walls and can be removed when you feel like it. While some of the designs are pricey, the basic ones are budget friendly. And a few pieces here and there are all you need to give the room a new look.www.modernwallgraphics.com

Switch Around the Small Stuff
I told you about moving furniture for a new look, how about moving around paintings, vases, candles. Not only in the same room, but move them to another room. Sometimes I think I’m bored with say, a vase and think about donating it, but then I put it in another room and find I love it all over again.

Swap Parties
Now that everyone’s feeling the pinch of the recession, I’m guessing you can round up some friends or co-workers who might like to swap things like pillows and paintings with you. You could even hold a garage sale where no money is exchanged just items.

Take a Trip to the Craft Store
I have to admit I’m not the greatest sewer but there are some crafts where only minimal skills are needed. If you’re bored with the pillows sitting on the couch, don’t buy new ones, just create new looking ones. A couple of yards of material can be turned into new pillows by covering the old ones. You don’t need a pattern and I’ve even made them without a sewing machine.

They’re Going Out of Business
I’ve noticed lots of stores at the mall and the strip malls have going out of business signs on their doors. Even if you’re not interested in what they’re selling, sometimes they also sell fixtures you can use and even things like artwork.

Even the Garden Gets a Makeover
And here’s another tip about things you might be growing tired of. If you can’t stand to look at something in the house, ask yourself can I use it in the garden. Someone gave me a cast iron rooster on a stand. It wasn’t my favorite thing in the world, but I didn’t want the gift giver thinking I wasn’t using it. So for years it sat in my kitchen, until I finally couldn’t stand it any longer. It now sits in one of the flower beds that you can see from the kitchen window. Yes, it’s turned rusty, but it actually looks better now. And if I’d purchased that very same thing in one of those upscale stores that sell rusty items for outrageous prices, it would have cost at least $100.

The Blog-Budget Smart Books Are In

In The Blog on March 23, 2009 at 4:28 pm

Seems it’s not only the supermarkets that are pushing their budget friendly buys, my local library now has a special display of books about ways to stretch your dollar. I did check one out. If you’re a budget newbie, it’s probably a worthwhile read. It’s called Chick Living, Frugal and Fabulous by Kris Koederitz Melcher, Conari Press, $18.95 ISBN:1-57324-205-5. Melcher gives advice on finding your first apartment, house, how to decorate it for less, how to set a budget etc.

The gardening catalogs are filling up my mailbox again. Pictures of pretty flowers used to adorn the covers, now it’s vegetables and the words ‘save money, grow your own food’.

Just about every catalog, gardening or not, is selling the Topsy Turvy system? Anyone ordered one? I’m thinking of getting one because I love home grown tomatoes. Lowest price I’ve seen so far ($7.95) from from Lakeside Collection catalog www.lakesidecollection.com. I’ve purchased items from them before and always been happy with the product and service, so I might give one a try.

Seems like there are lots of other containers and gadgets for growing your own veggies now. I saw one pot designed for growing potatoes, another one for salad greens. If you’re thinking of planting a vegetable garden, here’s a site offering some tips to get you started www.growandmake.com.

And they’ll be more about growing vegetables next month on Budget Smart Girl. So what’s happening this week at the site? I’ll tell you about ways to add some pizzazz to budget foods, tell you about a couple of good buys I discovered for quick and cheap meals. And if you’re thinking of a spring makeover for your home, I’ve got some low cost ideas.

Have a good week.

The Budget Smart Girl Newsletter-March 2009

In Uncategorized on March 22, 2009 at 7:37 pm

Issue I, Number 3
Spring is officially here. Don’t know about you but I’m glad to enjoy warmer and longer days. Now the snow has melted, I’m looking out of the window seeing all the projects that need attending to this year.
And thinking of all the work that’s ahead, let’s start off this newsletter with something connected with relaxing…

Entertainment
My family isn’t the type to go out on the town every weekend and not just because we want to save money. I guess we’re homebodies and like it that way. We used to rent movies and maybe bring in a pizza, but this winter we found a way to save even more money.
Ever since Circuit City announced it was closing its doors, my husband decided he would buy DVDs and start his own collection. He bought about a dozen while they were 20% off and then kept going back buying more as the prices dropped. So when Valentine’s Day rolled around and as I never know what to buy him, I thought what goes with watching DVDs at home? I couldn’t think of anything and then I received one of the daily e-mails from HARO…that’s Help Out A Reporter and advertising that day was a company called Kernal Seasons www.kernelseasons.com. I now had the perfect gift. I bought him a bag of kernals, and five different seasonings. So now every Saturday night we watch one of our own DVDs and try out a different flavor of popcorn. It makes a great night in for just pennies. I highly recommend this seasoning mix and if I had to pick my favorite, it would be the barbecue flavor. I’m thinking it might even be a gourmet treat on grilled corn in the summer. The company offers quick and great service too.

And if you have some DVDs you want to swap try www.swapadvd.com. I haven’t tried it myself, but lots of my friends like it. You can also swap books and CDs on their sister sites.

And one final thing on DVDs, I was recently sent a promotion about a DVD kiosk called Redbox www.redbox.com. Rental is $1 per night. Check their Web site to find a location near you.

One Way to Curb Your Spending
I don’t know about you, but sometimes sitting down paging through a catalog often tempts me too much. One way to beat the temptation is not to remove yourself from mailing lists. I just received information about this program www.proquo.com. It claims to free you of unwanted catalogs and 90% of unwanted junk mail. And if you check at the bottom of the Web page, there’s also a link to some money saving sites too.

Clothes
Spring often means lighter clothing and yes, spring dresses. Here are some places offering great deals.

K-Mart
When I was younger and lived a couple of miles from a K-Mart, it used to be my favorite place to find bargain clothing. I’d get lots of compliments and people would ask me where I’d purchased a particular item. I no longer live near a K-Mart now and can’t remember the last time I shopped there, but it looks like I’ll be finding the nearest one. Last week I saw an ad for their new spring fashions and they have dresses starting at $24.99 and they look just as good as the designer ones. www.kmart.com

Old Navy
If you follow me on Twitter you’ll know that on Thursday I posted a Tweet about the $15 dresses that Old Navy were selling. www.oldnavy.com

Avon Calling
I remember when the Avon lady came knocking at the door trying to sell my mom lipstick. It seems the Avon lady’s selling a whole lot more these days. I kept seeing these eye catching dresses in magazines for just $16.99 and it said the supplier was Avon. Yes, Avon www.avon.com now sells clothing and cute accessories like shoes and bags too. And all at some budget smart prices.

Beauty
Okay, so now you have the cute dress at the bargain price, you might want to get your skin ready for the summer months ahead. I found this article about ways to use baking soda. I use it for cleaning and laundry, but I hadn’t realized it’s a great and cheap beauty tool too.
http://tinyurl.com/d2olt9

Food
And while I was surfing the Internet, I came across this article from WebMD. 10 entrees you can make for $5 or less. Great article and be sure to click through the pages because it also supplies the recipes for the dishes it mentions.
http://tinyurl.com/dkc84y

Coupons
I hope you checked out Hot Coupon World I wrote about a couple of weeks ago. I signed up for their newsletter and I’m finding it one of the best resources for finding bargains at the store. And here’s an article titled 10 Secrets of the Coupon Masters. One great thing about this downturn in the economy, lots of great articles about saving money!
http://tinyurl.com/ag8bjz

Get Your Own Free Financial Advisor
Well…sort of. A couple of weeks ago I chatted with Aaron Patzer the founder of a Web site called www.mint.com. He told me he created the site because after using most of the money related software out there, it wasn’t meeting his needs. Mint.com allows you to track your spending and it sees what credit card and savings accounts are just right for you. And it can even let you know where you’re spending the most money. Patzer said most of us will be very surprised just where our money goes…yes, even when we’re watching the pennies. You can take it for a test drive and if you’re worried about giving up your personal information to a Web site like Mint.com, Patzer told me it offers bank level security and is fully tested against hackers. And the plus is you’re anonymous, it won’t ask for your address or things like a social security number and is a read only program. Patzer says Mint.com is great if you want to tackle 2 or 3 problems areas like the amount you spend on shopping, restaurants, maybe even travel. And finally he had these three tips to pass along to you about being financially savvy. Spend less than you earn. Make your savings work for you…for example, get the best return on your savings. And finally protect your downside by having an emergency fund ready if something happens like an illness or you lose your job.

Magazine Subscriptions
Okay, I’ve just told you Mint.com can point out where you spend too much money. Here’s my confusion, as of a few years ago, I had seven magazine subscriptions. Yes, I made sure I got the best deals on them and justified my purchases by telling myself I needed to research markets for my freelance writing. They can be additive and we all have a favorite. So where are the best places to get the good deals? Some people like eBay. Some other ideas include swapping magazines with family and friends. Checking them out at the library. And yes, some libraries often sell old issues or even give them away. And how about the doctor or dentist’s office? Once they’re a few months old, they could be yours for the asking.

A couple of sites you can check out are-www.magazine-agent.com they offer a 90 day risk free deal
www.speedymags.com, this site lets you create your own magazine package to save money.

And here’s a couple of Tweets I posted on Twitter. You can get a free year’s subscription to CBS’ new magazine at www.cbswatchmagazine.com

Get a year’s subscription to Glamour for just $1.50. That’s the 1939 price when the magazine first launched. Wouldn’t it be great if we could go back to those prices? www.glamour.com

And if you’re a fan of Prevention, send 4 32 ounce or 12 6 ounce specially marked lids from Stonyfield Farm organic yogurt and they’ll give you a free one year subscription to Prevention magazine. This is one of the best yogurts around so it’s not much hardship to buy that much. Also, did you know you can make more yogurt from just 2 tablespoons of yogurt and you don’t even need a yogurt making machine? More about that next newsletter.

Run to the Post Office
Just a reminder that the price of stamps goes up, yes, yet again in May. These days I don’t get to the end of the roll of stamps before they put the prices up again. So on my next visit to the post office, I’m going to buy the Forever Stamps. You can use them on letters weighing no more than an ounce, no matter how much prices go up. Sort of like taking insurance out of the future.

What’s Essential?
If you read my blog on Monday you probably saw I was in Walgreens. They have a new section called Affordable Essentials, everything from shampoo to trash bags. I guess they figure there are certain items all of us need so why not give us a break on the price.

Book Recommendation
Here’s a book I currently have checked out from the library. Dinner Survival by Sandi Richard. While it’s not a budget cookbook per se, it does have some low cost meal ideas. And check out the Web site for the cookbook at www.cookingfortherushed.com. It gives you menu ideas and there are grocery lists you can print. Planning ahead before you head to the store always saves you money.

Okay, I was supposed to give you the recipe for the caramelized bread pudding here, but as some great tips have been pouring in, I thought I’d use the space to pass them along to you.

From Marlene R, in Canada
Shopping around pays off and one of her favorite places for bargains is Liquidation World. There she’s found pants for $1 and designer suits for $2. Foodwise, she recommends buying a whole chicken and using leftovers for soups, stews and chicken salad.

From Lisa A in Missouri
She likes to use those padded hangers for her sweaters, but found a cheaper alternative, bubble wrap. Just tape some to a regular hanger and you’ve got yourself a padded hanger for free.

And finally from Darlene S in New Hampshire
If you haven’t got a big back yard but what to grow vegetables, her town has a community garden where you can rent a small plot for around $20 for the season. Darlene says it’s a great place to meet other gardeners, get advice and swap vegetables at the height of the season. Last year she grew so much produce she didn’t have to buy any at the store all summer long and thinks it saved her lots of cash. Check if your area has a similar program.

Next month, yes, some recipes and throwing a party on a budget. Until next time, take care and keep sending those budget tips.

Yes You Can Eat Out on a Budget

In Budget Smart Cook on March 19, 2009 at 1:41 pm

I’m a firm believer in spoiling yourself once in awhile and even when you’re on a budget. In fact, I think being on a budget is a lot like being on a diet. If you don’t reward yourself now and then, you’re going to reach for the chocolate cake or bag of chips. And a meal out is a nice reward once in awhile. I know lots of people have been saving money by skipping restaurant meals, but there are some ways to eat out even in a tough times.

Stick with Ethnic Restaurants
Where I live we have a good selection of ethnic restaurants, everything from Mexican, Chinese, to Indian cuisine. While the food is great, a plus is they often offer the best prices. And most of them place a coupon in one of the local papers which also saves some money. Sometimes it will be buy one meal, get one free, or 15% of the total bill. And many of these restaurants also have buffets which is another great way to eat for less.

Sign Up for Savings
Lots of restaurants now have newsletters and mailing lists you can sign up to receive. You might be thinking but I don’t need any more junk mail being sent to me, but there is a plus side. I signed up to receive a newsletter from a local Italian restaurant. Sometimes they send a coupon for $10 off, sometimes 10%, and always offer a free dessert when it’s my birthday.

Let’s Not Be Picky
If you’re not picky about when you eat sometimes you can get better deals on Mondays and Tuesdays…two of the slower days in the restaurant business. And another plus, it’s usually much quieter and more relaxing to enjoy your meal.

Boy, Those Appetizers Look Good
I don’t know about you but sometimes the appetizers on the menu sound more enticing than the entrees. Oftentimes I end up ordering them as my main meal. They’re just as filling an entrée and usually cost $3-5 less.

Think Leftovers
Yes, leftovers aren’t only for meals you eat at home. What restaurant doesn’t serve portion sizes that should really be feeding two people? So if you are going to eat out don’t just think you’re paying maybe $15 for one meal. Eat half at the restaurant and then bring the other half home for the following day’s lunch.

How About Dessert?
And how about desserts? A couple of years ago my uncle came to visit us. We wanted to treat him to some great restaurant meals but eating out every day would have been expensive. So most days we ate our main meal at home and then headed out to a restaurant for dessert.

$40 a Day
I’m not sure if this show is still on the Food Network because I don’t get to watch as much TV as I used to, but one of my favorite shows was Rachael Ray’s ‘$40 a day’, where she visited various cities with just $40 to spend on food for the day. She had two valuable tips. Be a tourist and check your local visitor’s bureau, not only for advice on great places to eat on a budget, but they sometimes have tourist brochures containing coupons.

Water Only
There’s one thing that sends me into a bad case of sticker shock in just about every restaurant these days and that’s the price of the soft drinks. Where I live they’re around $2.50. It’s obviously where the restaurant makes the bulk of its profit, so if there’s say four in a party and you all opt for water, that’s $10 you’ve already shaved off your bill.

Save Money, Earn Points

In Budget Smart Girl's Guide on March 19, 2009 at 1:36 pm

As a Budget Smart Girl, I’ve always been keen to find ways I can make my money work for me. One way to do that is to sign up for a program that lets you get money back or earn points to put toward further purchases. Now more than ever it’s important to get the biggest bang for your buck. And one program that lets you do that is MyPoints www.mypoints.com. What I like about this program is you not only earn rewards on purchases, but you also get points for using coupons too. Here to explain the idea behind the program is John Lane, senior vice president of consumer marketing and product development with MyPoints.

Budget Smart Girl (BSG)-Who started the site and when did it launch?
John Lane (JL)- MyPoints began as a class project at the University of California’s Haas School of Business in 1996. MyPoints founders realized early on that a loyalty program would be a perfect match for the then-new online shopping world. The premise was as straightforward then as it is now, reward members by saving them money and thanking them for their loyalty by giving something back.

BSG-If I’m new to MyPoints, how do I get started? Walk me through shopping on the site and how I can earn points.
JL-Registration is the first step and it’s simple, fast, and free. New members simply click on the “Join Now” link at the top right of the MyPoints homepage, enter their registration information, and confirm their email address and they’re ready to earn points. Shopping through MyPoints is easy and rewarding, and is only one of many ways to earn points. The first step is to find the merchant you want to purchase from. Members can search for merchants by brand, by category, by special deals, and by searching with our toolbar. MyPoints has over 400 partner merchants that provide MyPoints members savings on literally thousands of products, from flat screen TV’s to pet food. After identifying the merchant you want to purchase from, simply click on the merchant link and you will be taken to their page. Now all you have to do is make your purchase and you’ve earned your points. The key to maximizing your points is to make MyPoints your first stop when shopping online.

BSG-How are points determined and do they have an expiration date?
JL-Points in active accounts do not expire and can be redeemed for gift cards or online certificates from stores, restaurants, airlines, hotels and more. The points you earn will vary based on whether you are shopping, taking a survey, responding to an email, etc. As I mentioned earlier, shopping is only one of the ways to earn points. The points earned for shopping will vary by partner and each merchant will indicate how many points you will earn by making your purchase with them.

BSG-I noticed the site has an area where you can print free coupons, tell me more about that and can it save me money?
JL-Yes, the MyPoints Coupons Center will save you money and you’ll earn points at the same time. MyPoints makes it easy for members to earn points just for doing the things they would do every day. The MyPoints Coupons Center is a perfect example and all you need is a printer. First visit the MyPoints Coupons Center, then download the coupon clipper program which allows you to print manufacturer’s coupons that are redeemable at your local grocery store. Once you’ve got the coupon clipper program running you simply select the coupons you are interested in and print. It’s that easy and each coupon you redeem earns you 10 points. Plus if you redeem 5 or more coupons that you printed from the MyPoints Coupon Center you’ll earn an additional 25 points.

BSG-Is there anything else you’d like my readers to know about MyPoints?
JL-I mentioned earlier that shopping is only one of the ways MyPoints members earn points. In fact, simply becoming a member earns you free points and provides you with several other opportunities to earn more free points. By completing your profile you earn 60 points, downloading the MyPoints toolbar will net you another 100 points and all referrals earn you another 250 points. Members also earn points by responding to email offers, taking surveys, booking travel, and playing online games. Then you can redeem points for gift cards and certificates from the same wide range of stores, restaurants, airlines and hotels. MyPoints membership goes a long way towards stretching your hard-earned dollar which is important to everyone these days. MyPoints also provides members with special savings and promotions throughout the year. We just ran a special Valentine’s Day promotion for MyPoints members where we gave away hundreds of free bouquets from FTD. Members will want to check our site regularly to see what new offers are available. We can’t give away the details yet but, plans are being made for this year’s Mother’s Day promotion to be one of our biggest promotions ever.

The Blog-Taking Saving Money Too Far…not in this case

In The Blog on March 16, 2009 at 4:40 pm

Have you noticed how many sites are promoting ways to save money these days? I saw one story made it to the Yahoo front page with the headline ‘people who are taking the frugal lifestyle too far’. I was intrigued and clicked on the link. The article was about a woman who cut tubes of lotion in half and used every last drop. And she made her own cleaning products. What a minute, I thought; I do that; doesn’t everyone do that? I always cut tubes of body lotion and hand cream, even makeup foundation in half. In fact, I have a tube of hand lotion that I cut in half three weeks ago. Yes, see my point, I’ve had another three weeks use out of it. You’ve paid for it, so why not use the whole thing. And homemade cleaning products. I use things like vinegar and baking soda because the smell of most cleanings products gives me a headache. So was the woman in the article going too far? Not in my opinion and not just because I do those same things. She was just being a Budget Smart Girl.

Each week I always think, wow, I don’t think there’s anything to buy this week. I’ve stocked up on groceries etc. Can I go a whole week without making a purchase? If only…
This week it’s the print cartridges that have been my pet peeve yet again. I couldn’t get the black ink cartridge to print. I went to Walgreens to see if they could fill it and get it working, but I was told the bad news that it had dried out. Dried out, equals more money than I want to spend on cartridges. So online I went to see who had the best deal. A company called www.databazaar.com won the contest. Free shipping too. You know how much I love free shipping.

And while I was waiting in Walgreens, I thought I might as well roam around the store to see what deals they had. I found Walgreen’s own brand called Tuf, paper towels. 8 rolls for $5. And Walgreens’s toilet paper, 12 double rolls = 24 single rolls for $5.99. It claims to be comparable to Charmin.

And here’s what’s happening on this week’s Budget Smart Girl. I’ll be telling you about a way to make the most of your purchases with a new reward system. And ways you can still afford to eat out in a restaurant besides the fast food ones.

Have a good week and Happy St. Patrick’s Day.

Gourmet Meals Using 99 Cent Items

In Budget Smart Cook on March 12, 2009 at 1:32 pm

Have you heard about the woman who cooks gourmet meals using items that cost just 99 cents, a friend asked me one day? I hadn’t but as you can guess, I was intrigued. I went online to do some research and found that the woman in question was Christiane Jory who shopped at The 99 Cents Only store and made gourmet meals from items she found there. In fact, she got to be such an expert that she’s even written a book called The 99 Cents Only Store Cookbook. http://the99centonlystorecookbook.com/ Pure genius I thought and knew I had to chat with her to find out more.

Budget Smart Girl (BSG)-Like me, you were a budget smart girl before this whole economic downturn started. Have you always been budget-minded or did you see prices going up and started to look for ways to trim your budget?
Christiane Jory (CJ)-Actually, I began to write the book ages ago when I had moved back to Los Angeles and was introduced to the store. This was around 2001 and funny thing is, I was REALLY broke but it seemed everyone else around me was doing very well. I had no idea the economy was going south and I believe that was still too far off in the future to predict even when the book became represented and picked up by the publisher

BSG-Had you always shopped in the 99 cent store? Where you ever hesitate about trying the food in there?
CJ-I always liked discount stores, since they tend to have oddities one can’t find other places. Plus, if you need some retail therapy and have no money they are the best places to browse. I really wasn’t an avid 99 Cent shopper until I moved back to Los Angeles and was introduced to this chain. It blew my mind and now I search out 99 cent stores everywhere I go.

BSG-Maybe some people are nervous about buying cheaper food because they think something’s wrong with it. Maybe you can put everyone’s mind at ease by telling us why they sell the food at these low prices.
CJ-People think that discounted food must be past its expiration date. As far as I know, it is illegal to sell food past that date. Isn’t that the point of the date? Either way, I can totally understand why people would be hesitant. I didn’t necessarily stay away from the food aisles, it just simply never occurred to me to buy food there. I tell the story of the mind changing epiphany in the book so I won’t bore you here. In fact most people’s reaction to my book is “I didn’t know they sold food!?!”
Some of the reasons the food is there at all are packaging/printing issues and size. Sometime a brand will put out a larger version for the same cost. You know the labels that say “Now 20% more!” well what do they do with all the older, smaller, not as good a value versions? They can’t be sold side by side at the grocery store. So the store has to get rid of them to make room. Also, sometimes the color on the packaging didn’t come out right from the printer. Apparently it’s cheaper to dump food than to pay for man hours to repackage. And lastly, we have a sick amount of surplus in this country, which makes it shameful that people are going hungry, and I believe now that 99 Cent Only stores and stores like them are readily available to most people because these big manufacturers know that they will always have a place to move their excess products. You’ll find some brands are as reliable at the 99 Cent store as they are at the grocery store.

BSG- I love your Web site, it’s almost addictive. When did you launch it and was the design your idea?
CJ-I Love it too. I was the project’s producer, but I can’t take too much credit for it. The art is from the book’s cover done by Boris Zlotsky, web design was done by John Starr and Jeremy Nelson and all the great Flash programming was done by Jeremy Nelson. Everyone at my day job helped me collect the sound bytes for the tabs.

BSG-I don’t have a 99 cent only store where I live. Any tips on finding alternative sources for bargain foods?
CJ-I do believe everywhere one goes they are bound to stumble upon a type of 99 cent store. Whether it is my chain, the Dollar Tree, or any of the independent under a dollar stores. Though I do believe the 99 Cent Only chain is hard to beat, it can never hurt to explore a place that boasts low prices. Worse case you walk out empty handed. My two tips for making ends meet have always been: 1. go to the farmers markets as they are closing. Most vendors do not want to pack everything up and there is a good chance they won’t be able to sell that same produce in a week. 2. Make friends with your butcher. I had a great one in New York and when I would come in with a recipe I wanted to make and find that the meat it called for was very pricey, he would show me other cuts that were much cheaper and just as tasty.

BSG-Do you have any money saving tips for every day cooking and your specialty…entertaining on a budget to share?
CJ-Shop in advance. This way you can buy just what you need and get anything you may have forgotten with plenty of time to spare. I tend to overbuy to make sure I have everything and this leads to an overflowing pantry. Also, especially with entertaining. It is money saving and energy saving to make things that can be prepared a day in advance. I am sometimes so tired form cooking all day for a party that I don’t have the energy to enjoy it. Most recipes can be fully or partly prepared in advance leaving just oven time for the day of the event.
(This way you’re also not scurrying to clean up in time for your guest’s arrival.)

BSG-Do you buy all your groceries from the 99 cent only store. If not, where do you look for other bargains? Are you a coupon clipper too?
CJ-I stock up at the 99 cent Only store but I shop everywhere. I try to clip coupons but I always loose them. I find that basing my meals around base ingredients that I can buy cheaply balances the occasional splurge on an ingredient that is only available at a fine market.

BSG-You were a guest on the Rachael Ray show recently. That had to be so much fun. What was that experience like, were you able to offer Rachael any great tips?
CJ-It was a whirlwind! You can check the clip out on my website. Rachael was surprised to learn wines have a shelf life. Some wines, yes, they are aged for 50-100 years. But most wines don’t stay drinkable forever and that is why you find the best deals at the 99 Cent store. I have run across wines that are currently at another store selling for 20-40 dollars. Why are they at the 99 Cent Store? Because they may have only six months left before they become iffy. The winery has already sold all they will to the other stores and they may have up to 100 cases that still need to be moved. That’s when I swoop in! (And sometimes this is the catalyst for next dinner party)

BSG-Would you like to share one of your favorite recipes with us?
CJ-I have so many and all my co-workers are currently yelling their favorites! but if I have to pick one it is the Pinot Noir Poached Pear Tart. I also love to reduce the extra sauce to a thick jam, which is delicious when served with a cheese plate. Everyone loves it!!!

BSG-Anything else you’re working on right now?
CJ-I am currently writing two more books, one of which is another cookbook. But in all honesty, with the state of the world right now, I am grateful to have a job and to have written this book when I did. I am truly practicing what I preach and I am thrilled to have supplied a light hearted solution for others.

If you want to check if there’s a 99 Cent Only Store in your area, here’s their Web site.
www.99centonly.com And I’m definitely going to try this recipe…

Pinot Noir Poached Pear Tart
Servings: 8 Cost: approx. $4.00
(Note: this can be made with frozen pie crusts as well and it will be less super sweet. Just thaw 2 crusts, invert and remove from pie tins. Let one rest and slice the other into rustic strips. Place the intact thawed pie crust into a spring form pan. Add the strips around the circumference to build up the sides. Fill with the poached pears and bake according to package instructions.

2 frozen uncooked pie crusts
2¼ cups sugar
2 cans/jars pear halves (about 16)
1 cup red wine vinegar
½ bottle Pinot Noir (or red wine of choice)
1½ tablespoons dried rosemary
1 tablespoon cinnamon

First “make” the crust. Invert frozen pie crusts on to a piece of parchment or wax paper. As they thaw the crusts will pull away from the tin and they will fall to the paper. Do not turn them over, leaving them upside down will lend to the rustic shape of this dessert. Move one of the thawed upside down crusts to the base of an 8 or 9-inch spring-from cake pan, (if you have used parchment paper this can be placed in the pan, making the move much easier). Roughly slice the remaining pie crust into strips and build up the sides of the crust in the cake pan. Put aside. Drain pears well. In a saucepan large enough for pears and liquids add wine, vinegar, sugar, rosemary and cinnamon. Bring to a boil stirring often, until a thin syrup forms, about 5 minutes. Add pears, reduce heat to medium and gently boil turning them in the syrup for about 5 minutes. Watch closely, since these are not fresh pears and mushy is to be avoided. Turn off flame and let pears sit in syrup until cooled. At this point you can place the pears covered in syrup in an airtight container and let them marinate for up to a week. You may also move forward with canning these and they will last up to a year. They will be a much dark color if you prepare these in advance. Otherwise, remove pears to a separate bowl with some of the syrup. Return remaining syrup to a boil and cook until it thickens to the consistency of a nice drizzling glaze. Remove from heat. Carefully slice the pears lengthwise and layer nicely into uncooked crust and bake according to crust package instructions for a filled pie. Serve warm or at room temperature.

Where to Find Coupons and Deals in Canada

In Budget Smart Girl's Guide on March 12, 2009 at 1:23 pm

About 20% of Budget Smart Girl subscribers reside in Canada and I’ve had some requests about helping you find coupons and deals there. Here are some sites worth checking out. My many thanks to Michel Labelle, manager at TSI Terminal Systems in Vancouver, Matt Vernhout, founder of http://emailkarma.net and Cynthia Colby for their recommendations.

Red Flag Deals
www.RedFlagDeals.com is Canada’s leading bargain hunting and coupon site in Canada. Launched in November 2000, RedFlagDeals.com uses the power of community to alert bargain-hunting consumers to Canadian deals via the Internet. The site currently boasts over 2 million monthly unique visitors and over 30 million page views every month.

The RedFlagDeals.com Coupons Section features hundreds of coupons that can either be used at online retailers or printed and used in-store. They have everything from car rentals and theatre tickets to computers and groceries,

The 215,000+ Canadians registered at RedFlagDeals.com (“the community”) have been submitting much of the information that is found in the Coupon Section, but in the near future, independent stores will be able to place coupons on the site as well. Their aim is to have the most comprehensive database of Canadian coupons anywhere.

Here are a few coupons that you can currently find on the site:
• $10 off an Online Purchase of $75 or more at Sears.ca
• Earn up to 250 Bonus Club Sobeys Points with a printable in-store coupon
• Some Other Coupons (to be added when we have a firm launch date)
Visit RedFlagDeals.com at http://www.redflagdeals.com or visit the RedFlagDeals Coupons Section at http://coupons.redflagdeals.com/

Three Highly Recommended Sites
The following sites seem to be popular with everyone so see which one works best for your needs. What I like most about these sites is you can type in the area where you live and get coupons specific to that region, great idea!
www.frugalshopper.ca
www.flyerland.ca
www.save.ca

Electronics and Consumer Goods
The following site is recommended if you’re currently looking for the best deals in electronics and consumer goods.
www.pricecanada.com

A Canadian Budget Smart Girl
I was sent a link for this blog and it looks like it’s a great resource for everyone, check it out-
http://bargainista.blogspot.com

Survey Site for North America
This one isn’t a coupon site but you can take part in surveys and give companies feedback which could net you coupons based on your needs and wants. www.shoppersvoice.com And US Budget Smart Girls, check out the US version.

Follow

Get every new post delivered to your Inbox.

Join 36 other followers