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Archive for April, 2010|Monthly archive page

Eating Well on a Budget

In Budget Smart Cook on April 30, 2010 at 12:21 pm

One thing I love about running a site like Budget Smart Girl is I often find e-mails from people who want to share news about their money saving book or Web site. So imagine how great it was to find an e-mail about this book The Complete Idiot’s Guide to Eating Well on a Budget by Lucy Beale and Jessica Partridge ($16.95). The e-mail read ‘did I want to see a review copy?’ Yes, I did and have to say it’s not only a cookbook but it’s also full of great advice about grocery shopping and budgeting. After reading it I knew I wanted to find out more about its authors and how the book came about. Here to share more money saving hints is Lucy Beale.

Budget Smart Girl (BSG)-Tell us about yourself and what you do?

Lucy Beale (LB)-I’m an author of 8 books for the Complete Idiots Guide series: Included are cookbooks: To Low-Carb Meals, To Terrific Diabetic Meals, To Glycemic Index Meals, and the Eating Well on a Budget. I’ve also written To Weight Loss, To Healthy Weight Loss, To Glycemic Index Weight Loss, and To Better Skin. In addition, I am a weight loss and wellness coach. And a watercolor artist. Jessica is in school at the University of Colorado, working on her Masters Degree in Food and Landscape Ecology. For years she’s worked in her mother’s catering business and is an avid gardener. She’s my daughter-in-law.

BSG-How did the book come about?

LB-Our editors at Alpha Books came up with the original idea – to help folks who were affected by the financial crisis. Rather than fill up on starches and junk foods to stretch their food dollars, we show them how to eat well on a limited budget. The book evolved into 2 parts: how to manage money and families for healthy eating and a cookbook of 150 recipes that provide delicious and varied meals.

BSG-The first half of Eating Well on a Budget focuses on things like being a well informed shopper and food preparation. Do you think people need to reeducate themselves about smart ways to use their food dollar?

LB-Today, eating take-out and pre-packaged meals is often more common than preparing foods at home and it costs more. It’s easy to spend thousands a year on fast food for a family of 4 without realizing the costs in terms of both dollars and health. As we wrote the book, we learned ways to save more money on food.

BSG-What are some tips you can offer?

LB-Prepare meals at home. Prepare more than enough for one meal so you can freeze the rest for meals later in the week or in the month. Shop grocery store sales, especially on vegetables, fruit, meats, and fish. Plan weekly menus, then prepare a shopping list before you go to the grocery store. Buy only what’s on the list. Dish food on plates from the cooking and stove area of the kitchen and take to the table to eat. Don’t serve family style, as then people are more likely to overeat. Make sure that you serve balanced meals: protein, vegetables, fats, and healthy starches at every meal. Serve food that offers taste satisfaction. We made sure our recipes included interesting flavors and seasonings.

BSG-The recipes all sound wonderful. So far, I’ve tried one, the Chile Egg Puff which I actually made for supper because I had a coupon for eggs and they were on sale. It was quick and easy to put together and we loved it. Did you create the recipes or were they dishes you’ve been making for years?

LB-The recipes came from many sources. Some were recipes we prepared often, others we created, some had been in the family for years. We also surveyed what foods people enjoyed eating at fast-food and eat-in restaurants and created recipes to give our readers a way to economically enjoy their favorite tastes.

BSG-What are some of your favorite budget friendly foods?

LB-Italian and Mexican Cuisines: lasagna, enchilada pie, meatloaf, spaghetti. The soups also save money, are filling, and give great taste satisfaction. Chili. Jessica loves the Asian-type recipes that give the reader lots of choices for ingredients.

BSG-Anything that seems to be a good buy but really isn’t?

LB-Diet sodas and high-fructose corn-syrup sweetened sodas no matter what the price. Sometimes fresh produce is reduced for a reason – the apples aren’t as crunchy, the corn is past its prime. Expensive exotic spices you’ll only use once.

BSG-While writing the book did you learn anything that surprised you about food and/or budgets?

LB-We were more extravagant than we needed to be without gaining enough pleasure from the indulgence. Fish and seafood – even here in the Rocky Mountains can be well-priced on sales. Jessica is producing and writing a short film clip of a family working as a team to save money on food.

BSG-Any plans for more budget focused cookbooks?

LB-Not at the moment.

BSG-Would you like to share one of your favorite budget recipes with us?

LB-Orange Spiced London Broil. This is a great recipe for spring and summer because it can be cooked on the outdoor grill and it’s easy. The recipe gives the mouth and taste satisfaction of steak but at a lower price and the recipe serves 10. Marinating the meat makes it succulent and tender. It’s on page 186 of our book.

1 cup orange juice
1 TB. minced garlic
4 TB. Dijon mustard
1 tsp. Black Pepper
2 LB. London broil-cut beef

Prepare marinade. Mix together first 4 ingredients in a large zip-lock bag. Add beef. Refrigerate overnight.
Broil or grill 5-7 minutes per side. Let meat rest about 10 minutes before slicing. Cut into thin slices and serve.

Serve with baked potatoes, roasted corn on the cob or a tossed green salad.

Jessica’s grandmother loves the Honey Mustard Glazed Meatloaf and swears she’ll never use ketchup to baste a meatloaf again, it’s on page 222.

The Budget Smart Girl Newsletter for April 2010

In Budget Smart Girl's Newsletter on April 28, 2010 at 4:18 pm

Another month has come and gone. I hope you’re enjoying spring and looking forward to the warmer weather ahead. To start this newsletter, here’s a link to a site I forgot to mention in last week’s article about ‘going green, saving green’. I always keep vinegar in the pantry not only for cooking but cleaning too and this site’s has lots of great ideas www.vinegartips.com

Thinking of Taking a Class?
Many people have lost their jobs during this recession. If you’re one of them and considering a different career or just want to learn a new skill I found this site that lets you search around for courses that are available www.trainingclasses.com

Moms and Entrepreneurs
Some of you might remember Heather Allard…The Mogul Mom who I interviewed a few years ago…by the way, she’ll be back with more useful tips soon. She’s been busy updating her Web site and has an offer that got my attention. She’s selling her Mogul Mom Business Box Set which includes just about everything you need if you’re thinking about taking those first steps into entrepreneurship. She’s offering a special discount price of $37 until midnight on May 2nd,2010. And if you order the business box, you’ll be entered into a drawing to win some prizes which could also help your business grow. Here’s the link http://eepurl.com/t3hx

Avon Calling
When I was a child I remember my mom always having an Avon catalog sitting around the house. Today Avon’s not just about make-up but a whole lot more. If you’ve ever thought about becoming an Avon representative to make some extra money, here Sheila Caruso shares her experience.

Budget Smart Girl (BSG)-When did you join Avon?

Sheila Caruso (SC)-I joined November 2008.

BSG-Was it part or full time?

SC-Part-time.

BSG-Did you have another job at the time?

SC-No, I didn’t.

BSG-Did you have a sales background?

SC-Yes, I sold AVON about 6 years ago. I also sold Beauty Control, Nuskin and Private Quarters.

BSG-Did you consider any other company?

SC-No, I really like AVON.

BSG-What made you pick Avon?

SC-It only cost $10.00 to join and it has been around for 135 years, plus they have a great District Manager and great sales meetings, where I’ve learned a lot.

BSG-What obstacles, (if any) did you face?

SC-Getting people to go onto my website. I would love to build my customer base.

BSG-How did you move into your current position with Avon?

SC-I called an 800 # and a representative visited me and we filled out my application and I paid my $10.00.

BSG-How long did it take from the time you started with them?

SC-I started selling right away.

BSG-If someone’s interested in being an Avon rep, what advice would you give them? How can my readers get started?

SC-They can contact me in person or email me. It costs just $10 but you really need to be motivated to be a self employed Avon Independent Sales Representative.

BSG-Do they have to pay for any samples, etc?

SC-As you’re self employed you can order samples, but you don’t have to. And you receive 40 percent off your sales during the first 3 months of ordering.

BSG-What would you say to people who think that now’s a bad time to enter any business because people aren’t in a buying mood?

SC-I would say that AVON is the company for these times because our products are a lot less then department stores. AVON also has sales on different items within each campaign and they can find anything that they want on sale.

BSG-Can you still make decent sales if you don’t have a huge network of friends and co-workers who buy from you?

SC-Yes, you can. Like I said earlier they will receive 40% off of their sales for 3 months so that they have time to build up their sales by getting new customers, plus I would help them do that.

BSG-Anything special on the horizon at Avon?

SC-Yes, they are having more sales meetings that you learn great sales tips, they also offer new representative meetings that help new representatives. We are also having weekly Leadership meetings that helps representative learn more.

BSG-And for readers who might not want to join Avon but interested in the products. Any upcoming specials you can share with us?

SC-There is Eternal Magic Eau Toilette Spray for just $24.00 which also includes a FREE 3 piece gift collection (worth $20.00) includes purple gift bag, shower gel and body lotion. Also magical sparkle 5.00 ct ring for just $14.99. Necklace 6.00 ct for $14.99 and Earrings 11.00 ct.

A sterling magic fiery genuine topaz with a supernatural light and a precious rainbow of color for just $49.99 (Save $10.00) in sizes 5-11
Genuine Diamond Accent Watch with black or white band for just $9.99 (save $20.00).

Nailwear Pro Nail Enamel for just $2.99 (Save $2.00)
True Color Eyeshadow Quads for just $4.99 (Save $3.00) Lipstick $ 3.95 (save $4.00). All foundation on sale. Eye Palette and Eye Liner both for $9.99 (save $7.00).

Moisture Eye Makeup Remover lotion for lowest price ever 99 cents, Skin care all on sale, Butler Basics Essential Bag by Jen Groover for just $29.99 (Save $10.00)

Carry Me Away Handbag for $24.99 (Save $5.00). Studded Bright Sandals $12.99 (Save $4.00) Eye glasses all $9.99 each.
Slim Wear Kimono Sleeve top $24.99 (Save $5.00). All shoes up to 60% off, All Curves on Sale, SS Original Bath oil 16.9 oz for just $6.99 reg $13.00.

All bug guard on Sale. Roll on Anti-Perspirant Deodorants 89 cents each for him and her.

Glimmersticks Diamonds, Smooth Mineral Eye Liner, Astonishing Length Mascara, Wash-off Mascara and ergonomic Tweezer buy 1 get 1 free mix or match.

BIG DEAL Timeless Cologne Spray, Shimmering Body Powder, 2 Perfumed Skin Softeners, and Roll-On Anti-Perspirant Deodorants all 5 for just $9.99 ($30.24 Value)

BSG-What Web site should people check out if they’re interested in joining Avon?

SC-www.youravon.com/scaruso

BSG-Anything else you’d like to share with us?

SC-AVON has makeup, skin care for all skin types, fragrances for women and men, Wellness Products, Jewelry for men and women. Apparel which includes dresses, skirts, shoes, blouses and scarves. Personal Care, gifts for children, men and women. Gifts and Decor for the home.

Avon is a great company to work with. It becomes your company and as they say you cannot get fired. It is your company and you can work it any way you want to, You can just be a representative and sell to just yourself or to customers. You can network your business, or go into Leadership if that’s your choice. It’s a great company whether you are an employee of a company or a stay at home mom. It works for both.
And there’s also a new program where you can plant a Tree with AVON and help create a better future for our next generation. Avon is planting our first 1 million trees in South America’s Atlantic Rainforest – often referred to as “the lungs of the earth”. 93% of the Atlantic Rainforest is gone. The trees planted through Hello Green Tomorrow program will contribute to the United Nations Environment Programme Billion Tree Campaign. For every $1.00 donated, you will receive a certificate with “green” tips.

Celebrate Cinco de Mayo
Be sure to look for coupons and special deals on Mexican food items next week to celebrate Cinco de Mayo. La Tortilla Factory www.latortillafactory.com offers some tips on foods you might like to try and a recipe for fish tacos. Lots of the ingredients, including cilantro and avocado will be on sale, so this makes it a very budget friendly dish.

Tips from La Tortilla Factory-
Food – Not a chef? Don’t worry! There are several Mexican dishes that are surprisingly simple to make, but will have your guests marveling at your cooking skills. Tequila Flank Beef with Tangy Grilled Cabbage, and Chicken with Chilies Sauce, are savory dishes that aren’t complicated to put together, yet have complex flavors. Or Try-

La Tortilla Factory’s Fish Taco in Pumpkin Seed Chipotle Sauce with Pan-Fried Avocado
Serves 4

1 pound white fish fillets (cod, tilapia or halibut)
2 tablespoons olive oil
2 poblano peppers, seeded and cut into medium slices
½ cup toasted, unsalted pumpkin seeds
¼ cup chicken or vegetable stock
2 teaspoons adobo chipotle sauce
½ medium yellow onion
½ cup fresh cilantro leaves, leaves and stem part, reserve some for garnish
¼ teaspoon dried oregano
¼ teaspoon salt
¼ teaspoon ground black pepper
1 tablespoon chili powder
1 avocado, peeled and cut into small dices
½ cup thinly sliced fresh lettuce
4-6 La Tortilla Factory Hand Made Style Corn Tortillas

1.Lightly sprinkle a pinch of salt, ground pepper and chili powder on the fish fillet.
2.Preheat 2 tablespoons of olive oil in a non-stick heavy sauté pan. Pan-fry the fish over medium-heat for about 1 minute on each side, or until the fish is cooked or turns opaque. Remove the fish from heat and set aside on a plate.
3.In the same pan, lightly sauté the poblano pepper for about 1-2 minutes and combine with the fish.
4.Meanwhile, combine the pumpkin seeds, stock, chipotle sauce, onion and cilantro, oregano, salt and pepper into the blender and blend until smooth.
5.Then, transfer the sauce mixture into a small saucepan and simmer the sauce for 10 minutes over medium-low heat, stirring occasionally.
6.Stir in the sauce with the fish and poblano pepper.

To serve, put a handful of fish, poblano pepper, avocado and lettuce onto a tortilla and fold into a taco.

99 cent Ingredient Cooking
I saw this site listed in Woman’s World magazine, which by the way is another great publication for money saving tips and recipes. Don’t miss www.the99centchef.blogspot.com where chef Billy Vasquez offers recipes and meal ideas using ingredients from the 99 Cent Store. I’m not lucky enough to have one where I live, but I think most of these recipes are still very budget friendly…they look delicious too.

Get into the Habit
During my recent interviews with reporters about being budget smart, many have asked me how you can adapt to living on a budget. Sometimes it’s tough, just like starting a diet, but I found this site that might just help, www.habitforge.com

PC World
I always check out the copy of PC World my husband brings home from work and have to say every month it has lots of money saving articles. Their Web site is very informative too www.pcworld.com

Articles Of Interest
This month I thought these two articles were worth reading-

If the day at the spa is out of reach, try some of these DIY beauty treatments-
www.tinyurl.com/y3ykew8

You know one of my pet peeves is the cost of print cartridges. This article has some insight on how to make them last longer-
www.tinyurl.com/ylb97sa

Have a wonderful month

The Blog-Being Budget Smart is Catching On

In The Blog on April 26, 2010 at 3:24 pm

Lots of people must think this whole budget smart thing is cool because during April I’ve been interviewed by reporters working on upcoming stories about ways to save money. I’m not only happy that the trend is catching on, but always feel honored when reporters use me as an expert. I hope my advice helps lots of people.

It rained the whole weekend which put a stop to my gardening endeavors. However, I did stop by the local Home Depot who was running a sale on seeds. Buy one packet, get the second free. Yesterday I got my seeds planted in pots. I decided to grow lettuce, carrots, tomatoes, radishes, zucchini, beets, beans…well, just about everything we eat.

And if like me you love to visit recipe sites and keep things organized (I think I told you about this site before), check out www.tablespoon.com They’re currently offering a sweepstakes where you can win $250. Just sign up for the newsletter and you can also download $30 worth of coupons too.

This week on Budget Smart Girl-Time for the newsletter, this month you’ll find a great recipe, news about a site that shows you how to make a budget friendly meal. And if you’ve ever thought about working for Avon to make some extra money, you’ll hear from one of their representatives. And in a separate posting on the site I’ll tell you about a great new cookbook that I’m sure will become a keeper on your bookshelf.

Have a good week.

Being Green Means Saving Green

In Budget Smart Girl's Guide on April 23, 2010 at 1:14 pm

For the last couple of weeks it’s been hard to miss all the talk about Earth Day. Even if you’ve never considered yourself an environmentalist, now is the perfect time to go green. And why you ask? Being green can actually save you money. Here are my favorite ‘green’ ways to save-

Rewards
Where I live company who collects the trash is also responsible for the recycling. Last year they teamed up with Recycle Bank so we earn points that can be converted into coupons for various services and goods. For something I’d be doing anyway I’ve earned points for magazine subscriptions for just $5, got grocery coupons, even coupons for free items like dishwashing liquid and ones for services like haircuts and color. Check out www.recyclebank.com to see if it’s available where you live.

Laundry
I found this article online the other day which includes a recipe for homemade laundry detergent http://finance.yahoo.com/family-home/article/109349/do-it-yourself-laundry-detergent
One way to save energy is to dry your clothes outside. An added plus, line drying also extends the life of the clothing too.

Save Gas, Free Exercise
I have to say that I’m lucky because I don’t live that far from the nearest supermarket. When the weather’s good and I don’t need heavy items like a gallon of milk, sometimes I’ll walk or bike there. It’s a great way to get some free exercise too.

Compost and Free Water
Every year I keep saying I’m going to buy a rain barrel and compost bin because they’re not only great for the environment but your wallet too. Use scraps from the kitchen like vegetable peelings and soon you’ll have free compost for the garden. And when the temperature heats up, and yes, lots of cities have water bans, you’ve got your own supply in your rain barrel.

Swaps
Instead of just throwing something away, check if anyone in the family or neighbors and friends want it. Maybe even do a swap with them.

Bulk Bins and Refills
Most supermarkets have bulk bins sections now. Plus, some even have refill stations where you can save money by bringing back the container or bottle for things like laundry soap and dishwashing liquid.

Take Your Own Bag
Okay, this one isn’t going to save me thousands of dollars but more stores are charging for plastic bags. I’ve even been to a few that no longer supply them. Last year the supermarket where I shop started giving a 5 cent credit for each bag you bring. Like I said, it won’t make me a millionaire but it’s a small reward for little effort.

Green Cleaning Products
I haven’t bought commercial cleaning products for years. My cleaning supplies consist of everyday items like baking soda and vinegar. The house still looks just as clean, I save money and no more nasty chemicals sitting around the house.

Organic Food for Less
Price often prevents most people for eating organic foods, but grow your own and you’ll have a weekly supply for pennies. And don’t worry if you don’t have a large garden, lots of things can be grown in pots.

Turn Down The Heat…air conditioning
One of the biggest household costs is heating and cooling your house. Get a programmable thermostat and don’t heat and cool the house when no one’s around. Also, use fans in both winter and summer; pull the drapes across on hot sunny days…open them for the winter sun. And if you’re not sure where you’re wasting energy, lots of utility companies will do a home energy audit, some are free, some are around $25. And don’t forget the government is giving rebates when you buy more energy efficient appliances.

Fix It First
With items costing more these days it pays to get an estimate for fixing it before tossing it in the garbage.

Does it Have A Second Use?
Thinking about organizing your kitchen or garage but don’t want to pay the high price of organizing containers? Look around the house, you can find things like old check book boxes, pasta jars, yogurt containers…just about everything has a second use.

Web sites
For more tips on going green, saving green, check out-
www.thedailygreen.com
www.organicgrocerydeals.com
www.thegreenguide.com

Organize Your Financial Life

In Budget Smart Girl's Guide, Uncategorized on April 21, 2010 at 5:07 pm

Having a professional organizer make over my home office has been on my gift want list every Christmas. It has happened yet, but I think
I found the next best thing…an interview with Regina Leeds who’s been named the Best Organizer in L.A by Los Angeles Magazine. She’s the author of seven books, including One Year to an Organized Financial Life. She’s been an actress who’s appeared on The Young and The Restless and is now organizer to people like actress Meg Ryan. Along the way she’s endured some of her own setbacks with regards to money and offers advice based on her own experiences. Here she shares her tips for keeping our finances in order. www.reginaleeds.com

Budget Smart Girl (BSG)-Tell us about yourself and how long you’ve been a professional organizer?

Regina Leeds (RL)-I have been a professional organizer for 21 years. Before that I was a professional actress. There was a crossover period of about 10 years. When I gave up acting, I embraced writing. I knew I’d write one book about organizing so I could reach folks who would never be able to work one on one with me. Today I’m writing book number eight and number five was a New York Times best seller! When you follow your bliss, you never know what surprises are waiting for you. Brooklyn, New York is my home town by the way but today I live in Los Angeles.

BSG-You’ve written other organizing books, why did you decide to write one focusing on organizing finances?
RL-When “One Year to an Organized Life” became a best seller, Perseus (my publisher) asked if I could apply the concepts of ‘Zen Organizing’ to the office and “One Year to an Organized Work Life” was born. Finance seemed like a logical next step. This year I’m writing about babies and pregnancy and next year I will cover toddler to ten. There’s no end to how these simple concepts can be applied to all the challenges of life. It’s at once exciting and gratifying to see my life’s work being applied in such a creative way.

BSG-What are some of the biggest problems people run into when they tackle organizing things like bills and bank statements?

RL-First of all they don’t have a clue how to organize paper. So they come out of the starting gate overwhelmed. Secondly numbers don’t lie. They have no emotion. They show you aspects of your life without judgment. It may however be a painful reality so we avoid taking responsibility. Money and finance are very emotional experiences for most people. It’s one of the reasons in the book we start with your earliest ‘lessons’ about money and how it was managed by your parents. That’s the seed ground for today’s reality.

BSG-Any recommendations for low cost items for keeping things in order?

RL-You need a file cabinet but whether it’s a literal 4 or 2 drawer metal cabinet or simply a rattan or wood box you can plop a lamp on in your living room, the key issues are these: is it adequate to meet your needs? Is it inviting enough for you to use on a regular basis?

As far as smaller, file oriented tools I think in addition to regular hanging file folders, people should make use of 2″ wide hanging box bottom file folders because they can hold large categories of material. I also use the long file tabs rather than the short ones that come with your hanging file folder purchase. The longer the tab, the more literal space you have to give a creative title that you are apt to remember.

A label maker is an absolute must and can serve you in many areas of your home or office.

A shredder is a must. If you don’t have a lot of paper to shred or you lack space, The Container Store has a scissor that shreds!
Finally, let me say that sometimes people place material directly into the hanging folder. You must in fact place it in a manila folder and then put that inside the handing folder. The manila folder allows you to take out information, work on it and return it with ease. You don’t want a soup of papers oozing across your desk. You’ll have to stop and sort and that should only be done once!

BSG-Any sites or software that are great for organizing?

RL-I wouldn’t recommend any ‘organizing’ sites per se. I think all organizers are saying the same thing. You have to find the one who gives the message in a way you strongly relate to. When that happens, find your organizer on line, at Facebook & Twitter, buy her books etc. Turn your favorite organizer into your personal mentor rather than shopping around and never making progress. I’ve had clients whose file cabinets had 2 or 3 systems they had tried out over time. You couldn’t find anything! The organizer you relate to will recommend products, give you tips and tricks etc. Focus your energy rather than scatter it at every turn in your quest to get organized.

BSG-Any sites or software that are great for specifically organizing finances?

RL-You can trust http://www.mint.com and http://www.bankrate.com. We have a large Resource section in case you want more but I’d say these two are the best and most extensive.

BSG-In the book you mention you’ve had a few major setbacks yourself but have bounced back. Any advice for people who feel overwhelmed by not being able to pay their bills or know they’re heading for bankruptcy?

RL-Everything in life is a teaching/learning moment if you pay attention. I literally fell to my knees and wept the minute I realized I needed to declare bankruptcy. It wasn’t a casual decision. It was humiliating and I felt like a failure. My attorney was a kind, wonderful man who said to me at the end: “Regina, go out and rebuild your life.” I learned I was a money drunk. I had no concept how it all worked. I was a child financially. The choice was to grow up! Last year I hit the 10 year mark and the bankruptcy is gone. I decided to write about it so that others in my situation would know you can indeed come out the other side. But you have to show up and do the work! If readers in trouble follow the simple guidelines in our book they have the mentor in their hands I was seeking 11 years ago. I’ve written the book I needed.

BSG-I’m terrible about throwing things away. In the back of my mind I think ‘what if I need this one day’. How long should we hang onto items like credit card statements and tax returns?
RL-You want to hang on to your tax return forever.
If you itemize, you have lots of back up materials. The IRS mandates you keep that for 3 years if you are an individual and 7 if you are a corporation.

But then each state has a time line. For example in CA, it’s 4 years. You want to check with your tax preparer, tax attorney or CPA to be sure you are following the latest guidelines. The rules are subject to change because the laws change. The only exception of course is if you are suspected of fraud. All bets are off under those conditions!
If your credit card doesn’t have any tax deductible expenses, you can shred it the following month when you see that your payment has been recorded. If it does show deductible expenses, save it for the time required. You might also want to save any big ticket purchases that are under warranty like a new computer or washer/dryer.

Save your bank statements if you are freelance. You might have to explain some deposits to the IRS in the event of an audit. They will want to know if you hid any income.

Shred any materials that have account numbers.

The Blog-A Wrong Turn Leads to a Bargain

In The Blog on April 19, 2010 at 2:37 pm

The weather’s been gorgeous and after a long, cold winter we decided to go for a drive out of town. When you’re in a new to you place, wrong turns are common. However, when we missed the exit this time around we found ourselves in a small town with lots of interesting shops. One was a thrift store that was the nicest looking one I’ve ever seen. It was more like a department store, lots of room to roam and plenty of items that looked new. Besides books, anything connected with cooking gets my attention. I found a display of kitchen gadgets and utensils and saw a Salton Sandwich and Snack Maker machine. My old one broke about three years ago and I’ve never got around to replacing it even though I miss it every time I crave a grilled cheese sandwich. The price for this one couldn’t be beat ($6). It looked brand new and even had the instruction booklet with it. This time a wrong turn netted a bargain and guess what we ate for supper Saturday night? Yes, you guessed it, grilled cheese sandwiches.

And the folks at Mom’s Best Natural Cereals sent me this and thought I’d pass it along to you-

We know how hard you work to be the best mom for your family, sometimes forgetting to make time for yourself. This Mother’s Day, Mom’s Best Naturals wants to give moms the opportunity to take care of themselves for a change, so we’re giving one lucky mom $500 to use as she pleases, plus a Flip Cam to record all your favorite moments as a mom.

Entering is easy: Just fill out the form at www.momsbestnaturalsmothersdaysweeps.com/default.asp by May 2, and send us your favorite “Mommy Moment” in 250 words or less. Your moments don’t have to be parenting at its best, but when something wacky, sweet, embarrassing or funny happened that made you realize how much you really love being a mom! For example, has your child ever:

•Repeated something embarrassing in public?
•Said something with utter seriousness that is far beyond their years?
•Gotten into something they shouldn’t have and made a complete mess?
•Done something incredibly sweet that made your heart melt?

For Mother’s Day, one lucky mom will be randomly chosen to receive $500 to use as she chooses, plus a Flip Cam and a year’s supply of cereal and eco-friendly tote! Three additional moms will receive a year’s supply of cereal and an eco-friendly shopping tote.

This week on Budget Smart Girl-do you sometimes end up paying late fees because you forget to pay bills, have checks that need cashing…if you could find them? Don’t worry because an expert is going to tell us how to put our financial papers and files in order. And this week is Earth Day-how being green can mean saving green.

Have a good week.

More than Just a Peanut Butter and Jelly Sandwich

In Budget Smart Cook on April 16, 2010 at 2:04 pm

If you think peanut butter is just for making PB and J sandwiches for the kids, think again. It’s one of the best bargain foods and there’s so much you can do with it.

An Essential Pantry Staple
Peanut butter’s always had a place in my pantry. I like to keep a jar of both chunky and smooth/creamy on the shelf at all times.

Everyone Loves It
We loved it when we were children and I have to admit when I’ve had a bad day; sometimes a PB and J sandwich is all I need to put a smile back on my face. And how many other foods, well, maybe pizza, can you think of that both children and adults love? If you make a dish using peanut butter I can guarantee you won’t have any leftovers.

Gourmet Sandwiches
You might think the PB and J sandwich doesn’t rank in the category of gourmet sandwiches, but there are some ways to put a new twist on it and create some variety. I’ve paired it with things like cherry jam. Another favorite combination of mine is PB and Nutella spread.

A Healthful Snack
A PB and J sandwich can be a healthful treat for both you and your children. No sugar added peanut butter plus a no sugar added fruit spread served on whole wheat bread makes a healthy after school treat.

Breakfast in a Dash
Here’s one of my favorite breakfasts on the go. In a blender add about a cup of soymilk, a chopped banana and about two tablespoons of PB. It’s a great energy booster and tastes delicious too. You can use chocolate soymilk too.

Pasta
Many years ago I tried a deli salad that I thought was wonderful. Cooked spaghetti with slivers of carrots and chopped green onions with sesame seeds in a sauce that tasted really good. One day I happened to see a similar recipe in a magazine and discovered the sauce was just PB, some oil and soy sauce. Ever since then I’ve been making the salad myself.

Hummus
In my house, we’re big fans of hummus with pita bread. Sometimes I’ll make my own hummus and one day I was out of tahini, so I substituted it with PB. We actually liked the taste better and it’s a lot cheaper than a jar of tahini.

Salad Dressings and Dips
One of my favorite ways to eat peanut butter is to use it as the basis for a salad dressing.

Here’s one of my favorite recipes-

Baked Chicken Salad with Field Greens-Serves Four
Whisk together-
•½ cup chunky peanut butter
•¼ cup warm water
•2 tablespoons soy sauce
•2 tablespoons canola oil
•2 tablespoons honey
•2 tablespoons rice wine vinegar
•1 teaspoon minced fresh ginger root, you can use powder but I think the fresh variety really adds a lot more flavor
•And if you like a little heat, try adding a dash of red pepper flakes too.

I use about three to four cups of shredded cooked chicken for this dish.

Wash five cups of field greens or you can use a combination of romaine and red leaf lettuce. Place the field greens in a large serving bowl and top with the chicken strips, pour on the dressing and toss everything together. It’s wonderful served with crusty bread and makes the ideal meal for a hot summer evening.

The same dressing also makes a great marinade for chicken or pork.

A Quick Snack
If you feel your energy is starting to slide, try eating some peanut butter on whole-wheat crackers. A study conducted by Harvard University found that women who eat at least five tablespoons of peanut butter each week reduced their risk of Type 2 diabetes by more than 21 percent. Start snacking ladies!

Our Milk Money

In Budget Smart Girl's Guide on April 14, 2010 at 4:33 pm

If you’re a parent who’s torn between going out to work and staying home with your children, you’ll be interested in learning about OurMilkMoney.com. Started by Ally Loprete, it offers parents a chance to be stay at home parents while following their dreams of entrepreneurship. www.ourmilkmoney.com

BSG-When did you launch Our Milk Money?

Ally Loprete (AL)-I came up with the idea about a business directory for parents the fall of 2007, just after I had lost my corporate job. I was home for 6 months, enjoying my time with my 18 month old son and watching him flourish. I had been living off of some severance and unemployment, but that was about to be depleted and I didn’t want to go back to work and leave him in a daycare again. I was determined to find a way to stay home but I knew that I couldn’t do it alone. Numbers are a very powerful thing…and I believed that if I could find enough parents to work together, we could stay right where we wanted to be, at home with our children. I spent months researching and connecting with thousands of other parents across the country before finally launching OurMilkMoney.com in March of 2008.

BSG-What’s the idea behind it? And how can it help parents?

AL-There is value on every purchase we, as consumers make but we don’t often think about anything beyond the dollar amount. Our first goal was to educate consumers on the value of these products and services, and what these hard earned dollars might mean for a family. For many of us, like myself, it means having the choice to stay home with my children. We have such power as consumers, and by working together, we can create a new economy simply by making our everyday purchases from only one another. OurMilkMoney.com is more than just a directory of family-run businesses; it’s a movement. I am on a mission to remind parents and inspire them to change the way they spend their money and choose to keep it within the community. If we all commit to that, all of our businesses will flourish, and so will our children.

BSG-Who were some of the first businesses to sign up?

AL-In the beginning I had a bit of a dilemma because I didn’t want to launch an empty directory, but I couldn’t charge a membership fee for a directory that had’t been built yet. I decided that it would be free for anyone who signed up before the launch. We had thousands of applicants coming in each week- all across the country. It was a very exciting time. By the time we launched we had over 1500 business listings in about 70 cities. It was thanks to these businesses that we were able to know what categories to use, and that search criteria remains in place today. Since there were so many that came in all at once, it’s too difficult to remember which ones were first. But I will always remain grateful to them for putting their faith in my inexperienced concept, and becoming a part of my journey.

BSG-Have you seen an increase since the recession started…maybe more parents losing their jobs and opting to go the self employment route?
AL-This definitely has become a trend. When I first created OMM, it meant something different- and there wasn’t a recession just yet. Families were unable to survive on one income, but it meant something different. The issue was more focused. Now, there seems to be more of a desperation for a model like this to work because people are not quitting their jobs to start their own businesses, they are being forced into unemployment. Because of that, the concept has exploded- and there are more and more people deciding to work for themselves. I understand completely. It’s the need to finally have control in a world that once demanded so much of us- without any promise of stability. It stings a bit to realize these corporations we gave so much of ourselves to could so easily drop us without any sense of loyalty. It’s a trade off. People seem more willing to be poor for a little while to regain that sense of control, and not feel so powerless. Sure, we may not make as much- but no one will ever tell us again that there is a limit to what we can bring in for ourselves.

BSG-Membership is $25 a year. What are the benefits of joining?

AL-First, I want to say that I originally didn’t want to charge a fee for the directory at all- It was important to us that we encompass certain aspects in our site that provide an overall sense of trust and support. We thought about making each database listing free indefinitely, and just financing the site through advertising dollars from larger companies — but that seemed contradictory to our mission. Because our site needs basic funds in order to simply stay operational, we decided that a low annual fee to each member for a local listing would be the best way to go. Self-employed parents are operating on lower budgets and their income is helping them provide for their families. We want to take as little from that as possible. We decided that $25 a year was an amount that every parent should be able to afford, and would help us keep the site maintained and growing. We offer many benefits beyond a business listing- such as spotlight articles, ad campaigns, PR opportunities, appearances on the national radio podcast- but I am a progressionist and I am always adding to the list. It’s important to remember that as an organization, each member needs to contribute for its overall success. If someone is not able to afford the membership, we allow them to contribute in other ways.

BSG-The site has lots of free resource links. Any you think are especially good ones for people who are in the beginning stages of launching their business?

AL-That is difficult to answer without talking about a specific business. Each business owner has different resources, different skills to offer, and a different budget to work with. But one thing I would encourage anyone who wants to start a business to do is become a master at internet research. You can find just about anything you need for free on the internet. Someone is always offering something in exchange for your traffic. There is a lot of information out there. Sometimes it’s hard to filter through without getting overloaded, which is why I wanted to share the exciting finds that I had come across. I add to the resource page as often as I can.

BSG-And you list partner sites too. Any you’d recommend for the novice entrepreneur?

AL-The partner sites are there as a way for us to give acknowledgment to the organizations that share similar missions. As I mentioned before- it’s all about the power we have in numbers, and in being unified. That is when we are able to get the most accomplished. They all have such valuable information and embody a true integrity. I love Motherhood Incorporated for anyone interested in becoming a virtual assistant, BizeWorks and Mommy Perks for understanding and receiving great community support, MomsRising for anyone who wants to understand how legislation affects us as business owners and parents, and Divine Caroline for anyone who wants to grow a good PR campaign. We are very fortunate to have the partnerships in place that we do. They’ve all been instrumental in some way to where we are right now, and most of them have great leaders behind them who are always willing to lend some advice to a newcomer.

BSG-Lots of people are adjusting to being a one income family these days, any tips for making a smooth transition?

AL-Keep a good sense of humor!! I do mean that seriously. It’s not easy, so you need to find a way to laugh through the tough times. There really is no such thing as a smooth transition… It’s bloody hard. But I do believe we can all get there- and it’s very much worth it when we do. Sometimes we just have to take a few steps back and readjust before we can move forward again. The toughest part is that one income is simply not enough in this society- so both parents have to find a way to earn revenue while taking turns running the household and taking care of the kids. It’s easy to get overwhelmed. The entire country is in transition- but I don’t see it as a bad thing. This is our opportunity to rebuild in a way that works better for our families. The key is to remember to work as a team. Both parents need to work together, and both need to do their best not to take their frustrations and their fears out on each other. There will be a lot of stumbling blocks along the way- but ultimately- you’ll survive if you are all clear on what the goals are.

BSG-Any money saving tips?

AL-This question always makes me laugh because my husband and I started out as struggling actors in LA. Where we come from, being poor and learning to survive on pennies was almost…romantic. We were cool to be suffering for our “art”.(eye roll) So when the recession hit, cutting back was a piece of cake for us. We saw so many others having such a hard time paring down. It was torture for them to give up on spending lavishly. It really is all in how you look at “money” and how much power you give it. For some people, it’s a status thing and they lose their pride when then lose a paycheck- which is so silly if that is all it is. Money is also very often is just used as a convenience. So, instead of paying someone to do a service for you, you learn to do it yourself for awhile. Bartering is another great way to survive without an exchange of money- and it goes a long way. You don’t even really need to have a business. It can be as simple as “if you watch my kids for an hour, I will mow your lawn.” Plus, when you have a lack of money, it forces you to get creative. We so easily forget about all the free things that are available in our communities, like the parks and the libraries. I like to think of the recession as a reminder to us to appreciate the smaller things in life. I guess most people don’t realize this- but artists of all kinds learn to live on the same dollar over and over again. They learn to make beautiful things out of someone else’s garbage. They are never too proud to sleep on someone’s couch, and they always find a way to fund their next project- because making art is what makes them feel alive, and that is all that matters. We could all learn a thing or two from the artists in the world.

BSG-Anything else you’d like to share?
AL-Always!! I am one of those people who have a hard time turning my brain off at night. I am most excited right now about my new radio podcast, and the opportunity it gives me to help others in their own unique situations. I’d love to encourage anyone to call me live on the air to ask a question, or even write in for some advice. No matter what the situation, if you want to come home to be with your kids, let’s find a way to make that happen for you. I don’t want anyone to feel like they ever have to go through this transition alone. So many of us are going through the same things- and I find that very comforting. The important thing is for us to keep perspective and realize how much we still have to be grateful for. I have a favorite saying- “You can’t have a rainbow without first having a storm.” A little rain is good for everyone.

The Blog-Budget Gardening Tips

In The Blog on April 12, 2010 at 4:49 pm

This week my attention’s been focused on the yard and garden. It’s another area where you can spend a fortune if you’re not careful. For the last few years I switched to using mulch instead of rocks in the landscape. I’ve found it’s cheaper, the plants seem to like it better especially when it gets hot. Plus, it seems to keep weeds at bay more efficiently. The only drawback I’ve found is it needs topping up each year and the color I like never seems to be on sale. My solution is to buy any color mulch when it’s on sale then buy one or two bags of the color you like and place it on the top.

Another way I’ve found to save money is to use herbs in the flower beds. They’re usually cheaper than other perennials, last longer, are more disease resistant, and you can even use them in the kitchen.

I’m always searching online for money saving articles and this week I found these two to share with you.

If you’re planning on taking a trip this year-
http://shine.yahoo.com/event/travel/fire-strategies-for-a-cheaper-family-vacation-1243994/

Wondering about what’s in fashion this spring?
http://shopping.yahoo.com/articles/yshoppingarticles/357/spring-looks-for-every-budget/

This week on Budget Smart Girl. If you’re a parent and also an entrepreneur you won’t want to miss my chat with the founder of Our Milk Money. Everyone loves peanut butter, it’s inexpensive but there are more culinary delights than just a PB and J sandwich.

Have a good week.

The Budget Conscious Kitchen

In Budget Smart Cook on April 9, 2010 at 1:54 pm

Not only can you save money by cooking with inexpensive ingredients, you can cut your grocery bill by adopting a budget conscious kitchen, here’s how.

Budget Friendly Kitchen Tools
Some of you might remember Chef Jill Houk, from last year’s article about ways to preserve summer foods. She’s a partner in the Centered Chef Food Studios in Chicago, Illinois www.centeredchef.com. I asked her for her top recommendations for must have kitchen tools for the budget savvy cook. Here are her top five suggestions-

1.Cast iron pans–while many pans can set you back $100 or more, cast-iron pans are a budget-friendly $15-$20. Add in their flexibility (you can use them on electric, induction and gas burners, in the oven and over campfires) and durability (mine is a hand-me-down from my great-grandmother and is 80 years old), you have my number-one culinary bargain. You can use any tools–from wooden spoons to metal implements–in them without any issue. And they add trace amounts of iron to food and an additional bonus. Their one drawback is they can rust, which you can prevent by drying them thoroughly after washing.

2.Flexible spatulas and bowl scrapers–these inexpensive tools ($2-$3 for a bowl scraper, less than $10 for most spatulas) get the last little bits of food from pots, pans, bowls and blenders, effectively preventing you from washing food (and money) down the drain. High-heat spatulas can be used to stir sauces as you cook them, which prevents them from sticking and burning. They’re also perfect for stirring scrambled eggs and omelets, as well as flipping pancakes, eggs and crepes. Bowl scrapers can be used to scrape bowls (using their curved edge), or cutting boards (using their straight edge) or transporting food from cutting boards to pots (using a flat side). In a pinch, I use the straight edge to cut food I’ve cooked in a square pan–like brownies or lasagna.

3.Re-usable containers with locking tops–one way to save a lot of money is to eat leftovers, rather than throwing them out. Containers that lock out air keep your leftovers fresher for longer. I also transfer pantry items, such as pastas, cereals and crackers to sealed containers to extend their shelf lives. And when I’m chopping vegetables to fix dinner, I cut some extra and store them This way, I always have prepped produce on hand, which makes dinner prep and snacking a breeze and deters me from going out to meals. Plastic containers come in a variety of shapes and sizes. Make sure to get square containers–which save space and look neater–as well as a number of different sizes so you can save food in the exact right size container. These containers are also great for keeping small kitchen wares, like utensils, rubber bands, kitchen twine, etc. neat and organized.

4.Refrigerator thermometer–the optimal storage temperature for foods is between 34 and 40 degrees Fahrenheit. But unless you have a fancy fridge that has a built-in thermometer you can read, the temp inside your fridge is anyone’s guess. You can buy a thermometer for roughly $10 and always know that your fridge is the right climate for food storage. Once you’re in the right zone, food lasts longer, preventing you from throwing out food, or worse yet, getting sick from spoiled food. If you get a thermometer with a large range (up to 250), you can also use it to calibrate your oven. Many ovens are 25-50 degrees off the temperature you set, which can lead to longer cooking times, bad food textures, or burnt meals.

5.Chef knife with sharpening steel–we’ve all seen the wooden knife block, complete with 6-7 knives of all shapes and sizes. They look beautiful, but how many people (aside from professional chefs) know how to use each knife. Instead of buying a pricey space-hogging block of knives you don’t use, invest in a single chef’s knife and a sharpening steel. Good knives are roughly $100 and can last a lifetime. Buy one that you can sharpen, with a plastic handle and steel that extends all the way down the handle of the knife. Also grab a sharpening steel–a rough metal pole that’s used to keep a sharp edge on your knife. The sharpening steel ($30 on average) won’t actually sharpen your knives, but will hone the edge, which keeps their edges sharp for longer. When your knives are dull, take them to be professional sharpened, which is roughly $3-$5.

The Budget Smart Girl’s Top Favorite Gadgets
And here are also some of my favorite kitchen gadgets-

Slow Cooker
One thing I wouldn’t be without is my slow cooker. It’s both a time and money saver. Don’t think just because summer’s on its way that you have to put it away until fall. I use mine when the temperature rises and it’s just too hot to turn on the oven. And if you’re spending a day out in the yard, it’s a good way to have dinner on the table when you return.

Immersion Blender
These aren’t that expensive and if like me, you love making soup but hate dragging out the blender and washing it, buy an immersion blender. Quick, easy and does the same job as a regular one.

Vegetable Peeler
I know what you’re thinking, how can that save me money? First of all, it saves time. Try peeling a pound of potatoes with a regular knife. Second great thing, it just takes the tiniest amount of skin off vegetables so you don’t waste food and waste essential nutrients.

Freezer
I’m not sure if you could call this a gadget, but I wouldn’t be without my stand alone freezer now. Mine is housed in the basement and is always full of foods I’ve stocked up on while they’re on sale. Yesterday I bought five loaves of bread when it was on sale for just 88 cents a loaf. Other goodies include blocks of cheese, bags of flour. Turkey, ten bags of frozen vegetables that were just 75 cents each using a coupon during the March Frozen Food promotion. Tubs of Asiago cheese that was on sale for $1.75, logs of mozzarella cheese, ready for summer eating along with homegrown tomatoes and basil. Containers of homemade soup and three packages of frozen fish, which were also on sale leading up to the Easter holiday. So if you have the room and the budget to buy one, it pays for itself very quickly.

Check What the Experts Say
And if you’re not sure what you need and what’s a good buy, I often rely on a Web site from one of my favorite shows on PBS, America’s Test Kitchen. You do have to register first, but once you’ve done that follow this link and you’ll get a list of items with feedback.
www.americastestkitchen.com/testinglist.asp

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