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Posts Tagged ‘ways to save money’

The Friday Round-Up-Tips on Just About Everything

In Friday Round Up on May 10, 2013 at 3:20 pm

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I found lots of great articles about all things budget living, so here they are-

There have been lots of stories about people trying to eat at or below the poverty line and here’s one person’s experience-
http://finance.yahoo.com/news/column-five-days-below-poverty-150944520.html

We’re all guilty of letting food sit in the fridge until it goes to waste-
http://shine.yahoo.com/shine-food/expert-tips-food-last-longer-205100931.html

With the terrible spring we’ve had it’s hard to imagine summer’s around the corner but here are some budget priced sandals to get you ready for the warm weather-
http://shine.yahoo.com/photos/the-best-summer-sandals-under-25-slideshow/

I have lots of landscaping projects on my to do list so this is a handy guide-
http://shine.yahoo.com/at-home/8-tips-landscaping-cheap-132000321.html#!erdfa

And if like me you love making your own pantry staples and treats check out these two articles. My tip is to buy the supplies for these in the bulk bin section-
http://shine.yahoo.com/shine-food/spice-things-kitchen-homemade-taco-seasoning-170900302.html
http://shine.yahoo.com/shine-food/crispy-business-cool-ranch-doritos-home-173600201.html

Finally spaghetti always seems to be on sale. My tip. the whole grain varieties taste much better and don’t cost much more and sometimes they’re even the same price-
http://shine.yahoo.com/photos/10-easy-ways-cook-box-slideshow/

Have a good weekend and Happy Mother’s Day.

Being Green Equals Saving Green

In Budget Smart Girl's Guide on April 4, 2013 at 8:06 pm

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April marks Earth Day and whether you choose to do something good for the environment or not, going green can save you money. Here are some ways I’ve found to be green and save money at the same time-

Take Your Own Bags to the Store
One of the supermarkets where I frequently shop takes 5 cents off your bill for every bag you bring to the store. It might not sound like a lot but it doesn’t take much effort and as I usually have five bags each trip, that’s 25 cents each time I shop multiplied by 52 weeks and money that goes towards buying something else in the store.

Recycling Pays
Many years ago I used to collect soda cans and take them to the recycling center. Once again each trip didn’t net me a fortune but over time I saved enough to buy myself a sewing machine. Nowadays I earn points for recycling curbside as our garbage company is part of the Recyclebank program. Visit, http://www.recyclebank.com. so can find out if there’s a similar program where you live. I’ve traded in points for everything from gift cards to coupons for food and drink, to restaurant discounts.


Don’t Throw It Away

Most of us throw away things that can be put to good use somewhere else in the house or yard. I’m currently shopping for a compost bin to throw all the scraps of vegetable peelings I don’t or can’t use for stock, along with fallen leaves in the garden. I figure I might as well make compost and save myself some money rather than buy it at the DIY store.

Rain Barrels
The same goes for rain barrels. Nearly every year our local city has a water ban and the grass ends up looking scorched so I’m also looking for a rain barrel we can install so we can water for free, and without breaking the water ban.

Another Way To Save Water
Speaking of water, inside the house, you can install low flow showerheads and aerators to cut down on the amount of water you use and hence save money. Our local energy company has a program that offers both of these for free so it’s worth checking with your local company to see if they have a similar program too.

Think About Using It Twice
I always think about how I can give something a second use rather than throw it away. I’ve been using the empty Parmesan cheese containers for flour that I can sprinkle out when I’m rolling pastry. They also are great for storing baking soda and using it when you clean the bathroom or sinks…label them so you don’t get the two mixed up!
I also used one of my old cotton skirts and made three produce bags out of it.

One More Way to Save on the Water Bill
And one final way to cut down on water usage is to get rid of the lawn and plant a garden with plants that are heat and drought tolerant. And yes, even a veggie garden in a raised bed will take less water and you’ll cut down on your food bill too.

Walk or Bike
Where I live spring is finally putting in an appearance and it’s got me thinking about walking and riding my bike rather than taking the car when I shop or go to the library. An added plus is it’s free exercise too. And if you do have to use the car, combine errands so you save on gas.

Sell It or Donate It
Lots of our unwanted items end up in landfills but a better way to rid your basement or attic is to either sell them or donate them.

Borrow or Rent It
And many times when we have a project that needs doing, we rush out and buy say a tiller or a chainsaw and never use it again. We’re lucky enough to have a rental store near us and now it’s the first place we check out for something we know we’ll only use once, or once a year. Also check with neighbors and friends too. They might have what you’re looking for and vice versa.

February Savings

In Georgine Saves Blogs on February 7, 2013 at 3:39 pm

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This month Georgine tells us about lots of ways to save on everything from candy to TVs-

It’s February! Love is in the air. That means you can find some specials on fragrances, flowers, and candy for your sweetheart. The supply is high so the prices should be low. When buying perfumes try to find the Valentine’s Specials. They will be your best bet. Flowers and candy can be snagged at good prices too if you look for special promotion codes, coupons, and offers. Don’t buy spontaneously because that’s when you will spend the most. Tulips might be your best bet.

After Valentine’s Day you will find leftover candy and paper goods half-price at many stores. If you are not seeing someone until after the 14th, you can get a great bargain. This is also an opportunity to stock up on decor and party supplies for next year. Remember solid colors in paper plates, etc can be used all year long, especially the red ones, can be used for patriotic holidays. Packaged candy that has Valentine wrapping will be reduced, but the inside is still the same confection you and your family love, so who cares if it has a heart on it?

Aside from the obvious, big screen HDTVs are discounted because of the Super Bowl. Other electronic buys will include MP3 players, DVD players, and digital cameras.

If you are thinking ahead to summer, now is an excellent time to have your air conditioner and lawn mower serviced so you will be ready to go.

President’s Day comes right after Valentine’s Day so keep your eyes opened for mark-downs on humidifiers, home appliances, and even furniture as stores are making room for new models.

Now is also the time to find a sale on luggage for your next trip. Do this before spring break time and save.
In the grocery store you will find seafood sales due to the coming Lent season. Oatmeal prices will be lower all month, but wait until after the 14th to stock up on steak. Of course, always combine your coupons with sale prices for extra savings.

Last time, I mentioned the importance of having a list made before you shopped. Now, list in hand, let’s go to the supermarket! Don’t leave home without your store’s loyalty card (if you should, many stores allow you to give them your phone number to get the savings). You should be aware that the items that are at eye level are the most expensive. Look for bargains on the top of the shelves or near the floor. Always check reduced racks, remember, you can combine the bargain price with a coupon for even more savings.

Generally, when you are using a coupon buy the smallest size of a product. An example would be a large 200 oz size of laundry detergent. If you had a $1.00 off coupon that’s all you would save on the very expensive size. However, if you had several $1.00 coupons that could be used on the 50 oz size (in other words buy 4 to equal 200 oz) you would save $4.00 on the same amount of detergent. Another must is to always get a rain check for sale items that are out of stock. Many times by the time the store restocks, you will have found a coupon you can use along with the rain check.

Many stores will give you credit if you should forget to use a coupon on a product at the time of purchase. Always check your store’s policy. Some will allow you to return to the store with your cash register receipt showing purchase, within a 2 week period, for the refund.

The CSA Box-Week 21-One of My Favorites

In csa box on October 31, 2012 at 5:43 pm

This was the last of this year’s CSA deliveries. I carried the box to my car thinking back over the last 20 weeks and the variety of produce we’ve eaten and also the new foods we’ve tried.

The final delivery included sweet dumpling and delicata winter squash, bunched carrots, green cabbage, yellow onions, loose salad spinach, parsnips, tatsoi, argula, cilantro and broccoli.

Winter squash-I’m hanging onto these for as long as I can. I think I’ll either oven roast them or make soup.

Carrots-I’m sad about the CSA season coming to an end but the carrots will be one of the things I miss the most. Sweet, delicious, and I only wish I could grow my own but I’ve never had success with carrots.

Onions-a pantry staple.

Spinach-I’m thinking about making a feta cheese and spinach tart with this.

Parsnips-one of my favorite all time veggies. I never make Christmas dinner without roasted parsnips. I only wish I could hang on to these until then. Peel them, cut them into slices, par boil them for about five minutes and while they’re cooking, heat some oil in a roasting pan in a 375 degree oven.  Then drain the parsnips and add them to the hot oil and sprinkle them with salt and pepper and roast for about 15-20 minutes. Simple food yet packed with flavor.

Tatsoi-this was a new to me item that is an Asian mustard green. I plan to use it in a stir fry.

Arugula-once again more pesto for winter eating.

Cilantro-this was used in a couple of dishes throughout the week.

Broccoli-once again the perfect side dish. Steamed, and then add a sprinkling of salt and pepper.

What The CSA Program Has Taught Me

From a budget smart girl’s prospective there’s a lot you can learn from taking part in the CSA program-

It’s a good way to save money on organic produce. I compared costs before we signed up and I figured that if I bought the same organic foods at the store, the cost would be a lot more.

It’s a great way to sample new to you items and one way to check them out without spending lots of money, discovering you hate it and hence wasting your money.

Eating with the seasons really does save you money and it’s a way to get the most flavor for your buck. Even the same item can taste different at different times of the year, like the kholrabi, and also every day foods like the broccoli and carrots, so shop accordingly.

A meal centered around high quality veggies is just as good, if not better than one featuring meat. I made lots of stir frys with the produce and didn’t add anything else, just some brown rice and soy sauce and it was perfect.

Eating more produce when it’s cheaper can save you money.

You get inspired to grow your own vegetables when next season rolls around.

You not only get meals for the week but food you can dry or freeze to enjoy throughout the winter…peppers and herbs are waiting.

It’s seven months until the first of next year’s CSA delivery but I’m already looking foward to it.

Saving Green When You Go Green

In Budget Smart Girl's Guide on April 6, 2012 at 1:38 pm

When I see promotions for Earth Day (April 22nd) it gets me thinking about how you can save money while being or going green. Here are some of my favorites-

Laundry

There are a few things you can do to save money while being green in the laundry room. The first one is to use a eco friendly detergent. My favorite and something I’ve been using for over a year now is the soap nuts. I like the idea that they don’t have any perfumes and irritants, and I saved money because these bags last a long time.

http://www.greenvirginproducts.com/Soap-Nuts-250-Gram-Bag-Deseeded-approx-83-wash-loads-Includes-1-Wash-Bags_p_18.html

Or you can make your own detergent-

http://www.naturalhomeandgarden.com/homemade-cleaners/homemade-laundry-detergent.aspx?

When the weather permits I use the sun and wind to dry clothes on an outside line.

Kitchen

One way to be green is to buy in bulk which can save you money on things like organic foods too. Also, use energy efficient appliances like a slow cooker. And if you have to turn on the oven, make it worth your while. If I’m cooking a casserole or baking a cake, I’ll cook rice and maybe roast some vegetables  for the week  at the same time. I also use a steamer with three levels that I can cook two vegetables and potatoes at the same time for the same amount of energy.

Bathroom

The biggest savings I found is to install a low flow showerhead. I know lots of people are reluctant because they think it slows the water but you’ll hardly notice the difference.

Garden

Composting things you usually throw away like vegetable peelings can make for a perfect garden. Also, looks like water is in short supply because of the almost snowless winter many of us had this year so a good investment is a rain barrel. The prices vary a lot for both barrels and compost bins so it pays to shop around. Another alternative is to make your own.

Repair Before You Buy

I know many times the cost of reparing something is more expensive than buying new but compare the price difference before you automatically go and purchase new. Another alternative is to rent or borrow from a neighbor or friend.

Recycle and Repurpose

If you live an area where you can sign up for Recycle Bank with your garbage collector you get rewarded. I collect points and then trade them in for gift cards to local stores. You’re going to throw these things away anyway so you might as well get paid for it. www.recyclebank.com

Also, think about what can be used again. I keep jars for storing bulk bin buys like dried tomatoes and nuts. I also use plastic containers for storing craft items and shakers for homemade cleaning products.

Cleaning Your Home

And speaking of cleaning products. I’ve been making my own for about five years and don’t miss store brands at all. It’s cheaper and you don’t have to worry about the ingredients. Here’s a link to a site about making your own cleaning kit http://www.care2.com/greenliving/make-your-own-non-toxic-cleaning-kit.html

Errands

I try to group all my errands in one morning so I’m not driving around every day.  And if the weather’s nice  and something’s close by I walk or even ride my bike.

Ramblings From A Budget Smart Girl and a newsletter…sort of

In Budget Smart Girl's Newsletter on February 16, 2012 at 4:00 pm

My apologies for falling behind on the postings on the site and for the lack of newsletters for the year but it’s been a busy time. I’ve been teaching writing workshops, doing edits for some upcoming books, and recently was lucky enough to get two non-fiction book contracts. (Yep, I’ll be having some book giveaways on the site for you when they’re released) So today I thought I’d spend  time catching up and sharing with you all the good stuff that’s been landing in my e-mail inbox and to tell you what’s coming up next week.

First of all here’s a late Valentine’s Day recipe for you from Pringles….the weekend will be a great time to enjoy this one. www.pringles.com

 

 

Pringles Brownies

INGREDIENTS

6 ounces baking chocolate, unsweetened

3/4 cup unsalted butter or margarine

2 cups sugar

3 eggs

1 tsp. vanilla

3/4 cup flour

1-6.41 ounce can of Original PRINGLES, regular or reduced fat

1 cup coarsely chopped pecans or walnuts (optional)

Powdered sugar for dusting  (optional)

 DIRECTIONS

1.  Preheat oven to 350°F

2.  Line 13×9-inch baking pan with foil, and spray foil with cooking spray.

3.   In a glass bowl, microwave chocolate and butter on high for 2 minutes.  Stir until chocolate melts. 

4.   In a stainless steel bowl, mix sugar, eggs, and vanilla until well mixed. 

5.  Pour in butter chocolate mixture and mix well.

6.   Empty PRINGLES and flour into a food processor, and puree until very fine. 

7.  Empty flour mixture into chocolate mixture and mix well; add nuts to distribute.   

8.   Bake for 30 minutes, and cool.

Souper Contest

And the folks at Progresso Soup sent this to pass along

 This year, the Souper You® Contest will provide three lucky winners with an ultimate makeover experience in Hollywood; this includes a trip for 2 to Los Angeles, California where the winner will receive a head-to-toe makeover including hair and makeup, guided shopping spree with a $1,000 fashion retailer gift card, $1,000 spending money and 2 tickets to this season´s live finale of NBC´s The Biggest Loser

Progresso is asking fans to visit www.SouperYou.com and submit their photo with a brief essay about why they love Progresso soups and why they deserve a makeover, by no later than February 22nd

Fans can check back on March 12th for the announcement of the top ten finalists, and to vote for their favorite finalist until March 25th

Some articles of interest-

Thinking about joining a warehouse club?

http://financiallyfit.yahoo.com/finance/article-113846-11781-1-8-ways-to-save-at-bulk-stores?ywaad=ad0035&nc

Chef recommended ingredients-

http://shine.yahoo.com/shine-food/chefs-8217-secret-ingredients-every-kitchen-needs-161100998.html

Ways to Use the Microwave-

http://shine.yahoo.com/shine-food/7-unexpected-uses-microwave-164800328.html

Next Week-

On Monday I’m hoping to have a book giveway for you along with another veggie recipe. And I’m starting a new feature about ways to make extra money. Just about everything is costing more money these days so I thought it would be a great idea to find places where you can make a little extra cash.  The first feature will highlight the company and then the second  part will feature  interviews with people who are actually making money on the site.

Saving Money On Heart Healthy Products

In Uncategorized on February 12, 2012 at 6:06 pm

Here is Marcia’s February post all about ways to save on good for you foods-

One of the myths about coupons I frequently hear is that the only coupons available are for processed foods; that there are no coupons on healthy items. While I will admit that you will see more money-saving coupons good on snacks and desserts, there are certainly plenty of coupons issued for organic foods, gluten-free products, sugar-free products, as well as all natural cosmetics and cleaning items. So since February is American Heart Month, let’s take a look at how to save big without buying artery-clogging items.

The Coupon Hunt

The key to finding coupons on healthier fare is to start looking in new places. For example, skim magazines targeted at fitness fans, who are likely to be health conscious. Take a look through flyers and publications at the doctor’s office; ask if they have coupons or samples to share. Search online for brand names you buy and the word “coupon,” to see what may be available. Review the coupon inventory at coupon clipping services such as http://www.couponsthingsbydede.com/ or www.couponhero.co and order coupons that may not have appeared in your local paper. Send fan email to companies that produce products you prefer, asking if they can spare some coupons. If you’re having trouble collecting coupons on products you buy, or would like to buy, go on the offensive and ask for them from the manufacturer.

Rely on Rebates

Another way to buy healthier food is to look for rebate forms that offer money back when you buy a certain category of products. For example, last weekend I found a rebate of $5 off a pound of pistachios. I can buy any variety (organic, salt-free, etc.) of pistachio that I prefer and the rebate still applies. The same is true for rebates off meat and seafood – you can buy organic, free range chicken if you so choose and you’ll still earn the rebate. I find some of the best rebate forms on www.ebay.com.

Use up Overage

Some folks who buy a lot of fresh fruits and vegetables and whole grains, and who struggle to find coupons on these items, still manage to get their produce cheaper by taking advantage of overage. Overage occurs when a coupon is worth more than the price of a product. Some stores allow you to take that difference between the coupon value and product cost and apply to other items in your cart. Wal-mart is one store that allows overage and will even give you cash back if you’ve earned it through overage.

So let’s say you have four coupons worth $2 off bars of soap, which cost $1 each. The coupons are worth $8 and the soap will cost $4, leaving you with free soap and $4 extra. You can use that extra $4 to buy eggs, milk, and juice, for example. It doesn’t really matter what product you have to buy to get the overage – you can donate anything you don’t want or need – as long as you maximize your overage to cover the cost of items you do want.

You may need to be a little more creative to save money on gluten-free cupcakes or organic milk, but the savings opportunities are still out there.

Happy saving!

Marcia Layton Turner is an avid coupon clipper who saves thousands of dollars a year by using them. She is also the author of Extreme Couponer: Insider secrets to getting groceries for free. http://www.amazon.com/Extreme-Couponer-Insider-Groceries-ebook/dp/B005HMO7UU/ref=sr_1_1?s=digital-text&ie=UTF8&qid=1329069623&sr=1-1

A Budget Friendly Appliance-The Slow Cooker

In Budget Smart Cook on February 10, 2012 at 6:09 pm

One kitchen appliance I love for saving me both time and money is my slow cooker. Actually I have two of them. If you haven’t tried using one to cook a couple of meals a week, here are some resources I gathered up to help you-

Converting Recipes

I have lots of recipes using the slow cooker that I use over and over again. And yes, that’s the problem. I wanted to convert some of my other recipes to this style of cooking but didn’t know where to start. I found this useful guide from a site called Saving Dinner…you can sign up for the newsletter too.

http://savingdinner.com/articles/crockpot-troubleshooting/

Lots of Good Recipes

One site I have bookmarked, and I also checked out the book at the library and loved all the recipes is this one. (One plus is the author gives some feedback on how the recipe turned out so you know what to expect)-

http://crockpot365.blogspot.com/

More Slow Cooker Tips

Even after you’ve been using your slow cooker for years there are still things to learn-

http://shine.yahoo.com/shine-food/7-tricks-for-better-slow-cooking-in-your-crock-pot-2590707.html

Reasons to Love the Slow Cooker

Cheaper Foods Cook Well

One thing the slow cooking process does is tenderize cheaper cuts of meats so it’s a good way to stretch your budget.

Save on Energy

A slow cooker uses less energy than turning on the oven and a couple of burners. You can put everything, meat, potatoes and veggies in one pot and you’re done. In summertime it doesn’t overheat your kitchen.

Clean Up is Easy

If you’re short on time, cleaning up one pot is simple.

Walk Away and Leave It

One of my favorite things about a slow cooker is I can put everything into it in the morning, walk away, do my work and not have to worry about it until dinner time. It’s almost like having a live in chef.

Makes Just About Anything

And it’s not just soups and stews you can make. I’ve heard people who have great success with baking cakes in theirs. I’ve made apple butter in mine, baked cheese for an appertizer during the holidays. And in my opinion rice and bread puddings made in one are fantastic.

Cooking Beans is Simple

Last year I decided not to buy any more canned beans. I know they don’t break the budget but from one pound of beans that costs around $1.20 I get about six cans for beans. And I can buy varieties I can’t always find in the canned version.

My routine for cooking them is simple. After dinner I soak them for a few hours, drain them, and then add more water. (make sure you have about two inches of water above top layer of beans), I add peppercorns and bay leaves and let them cook on low overnight. When I get up the next morning they’re cooked and ready to be drained. If I’m not using them all at once I freeze them.

Lessons Learned

A couple of things I have learned not to do. When I first starting cooking with one, I’d remove the lid every hour to check on things…that’s a no-no because it increases the cooking time.

Also, don’t add things that cook quickly straight away. For example, if you’re using canned beans they don’t need to go into the slow cooker until the very end. Same goes for zucchini that quickly disappeared. And tofu, nope, cook it in a skillet and add it during the last five minutes just to warm it through.

Five Must Have Appliances for the Budget Smart Kitchen

In Budget Smart Cook on January 19, 2012 at 3:48 pm

Since my teenage years I’ve been a collecter of cooking gadgets, appliances and utensils. However, if I had to narrow down five appliances that I would keep no matter what, these would top my list. I don’t think any budget smart kitchen should be without them-

Slow Cooker

Even when they went out of fashion I still used one. I now have two and thinking about adding a third one. I’ve used mine from everything from making mashed potatoes to apple butter. Most of the time I rely on them for soups and stews. They’re not expensive to buy, cost efficient to run, and once everything’s placed inside you can walk away and forget about it. I can’t think of an easier way to get dinner on the table.

Bread Machine

One of my favorite indulgences is artisan breads. Problem is they cost a lot and the prices are rising (no pun intended). One of my New Year resolutions was to start making my own. One I especially love is cheese bread. This past weekend I made a cheese and onion bread. They’re not that expensive to buy, and like the slow cooker, when everything’s added you can leave it unattended. Check out garage sales because I see them a lot. Seems people buy one and don’t realize just how great they are.

Food Dehydrator

And speaking of cheese and onion bread. The onions  I used were dried Vidalia onions I’d bought when they were in abundance and hence cheap, and used my food dehydrator. When you don’t have time to can this is a lifesaver. This summer I dehydrated strawberries, onions and peppers. At Christmas when I bought a box of oranges, I dehydrated those too and will be using them in brownies. Once again check garage sales and also thrift stores for this appliance.

Food Saver

I call this a life saver because once again if you don’t have time to can or have leftoevers you can’t eat before they go bad, this machine comes to the rescue. They’re coming down in price and a couple of models you can buy at supermarkets. I’ve used mine to store homemade TV dinners, soups, fish from warehouse stores, and even items I’ve purchased from bulk bins.

Food Processor

Last one on my list, and probably the most expensive of the bunch depending on what brand you buy, the food processor. I use mine for homeade dips and spreads like hummus which I think is overpriced at the store. I also use it for things like bean burgers rather than mash the beans by hand.

These are all items that I feel save you money and time. Have them in your kitchen and you’re more likely to make your own foods. You’ll rely less on processed foods that are not only take a chunk of your budget but they’re not that great for your health either.

The Blog-Summer is Winding Down

In The Blog on August 15, 2011 at 5:05 pm

I can’t believe we’re half way through August. This summer has flown by and I’m trying to catch up on all the things I’d planned to do outside this year. I also had big plans to dry herbs, can tomatoes, make jam but it’s been too hot so my motivation’s been low.

One thing the hot weather has forced me to do is spend time at the computer to check out more money saving sites and items online. So this week I’ll be sharing some of my findings with you. There will also be another recipe…this time a dessert.

Don’t know how many of you visit the Budget Smart Girl site each week but I changed the design so the last three posts are always visible now. I think I prefer it but I might tweak it some more. I’ll also be gradually adding a constant resource page for you where you’ll find ideas and links to more ways to save money.

Starting next week I’ll be introducing you to the first of the expert contributors who will share their tips and ideas each month.

An article of interest on the Web this week-

With money being tight for lots of people these days getting enough protein is a challenge but I thought this was eye-opening-

http://shine.yahoo.com/event/green/how-much-protein-do-you-really-need-2523319/

Have a good week.

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