Surviving and Saving When You’re Sick

October 22, 2008 · Filed Under Being Frugal · Comments Off on Surviving and Saving When You’re Sick 

by Tawra Kellam
http://www.LivingOnADime.com/

My husband and I paid off $20,000 in debt and medical bills in five years on $22,000 per year averaged income, and I am disabled with Fibromyalgia and ME/Chronic Fatigue Syndrome. Here are some of the ways we lived frugally and made it work:

#1 Keep meals simple.

Try any of these simple meals:

-Chicken, with a bottle of hot and sour sauce dumped over the top and served with rice.
-Taco salad made with bagged lettuce, hamburger browned with taco seasoning, sour cream, salsa and olives.
-Baked chicken with freezer rolls and sliced cucumbers, peppers, carrots, tomatoes and ranch dressing.

Most of our meals take under 20 minutes to prepare. Write down 10 quick meals that are family favorites. Keep the “quick favorites” list in a specific spot and always keep the ingredients for these favorite meals on hand. Then, when you are sick and can’t spend a lot of time cooking, you can make something quick and easy.

Also, make as much of dinner as you can when you are feeling your best. Then if you aren’t feeling well come dinner time it will be almost all done and you won’t be tempted to send for take out.

#2 Get the kids to help with daily cleanup.

Kids can help pick up most of the house with proper direction. Mine are 10, 9, and 5 and have been helping since they were 3. I ask each of them to pick up toys. Then I ask each of them to pick up four more things. Later, I might ask them to empty all the trash cans and the dishwasher. Let the kids help as much as possible. Mine spend about 10 minutes a day helping and it makes a world of difference!

#3 Use paper plates.

They are cheap, come from a renewable resource and can be composted – use them! They cost about one cent each, so spending five cents for our family of five is way cheaper than the $40 take out!

#4 Give each person his own color of drinking glass.

This way, you can prevent family members from getting confused about whose glass is whose and constantly getting out new glasses.

#5 Try to do at least one load of laundry a day.

That way you won’t get overwhelmed or behind.

#6 Let non-critical things go!

Ignore the dust, the dirty windows, and other things like that. If you are lying sick on the couch where you look right out a dirty window, then ask your kids or hubby to clean it, but otherwise forget it until later!

By doing just these few things, you can keep yourself from going insane and save some money, even when your sick.

Popsicle Paradise!

October 22, 2008 · Filed Under Frugal Meals · Comments Off on Popsicle Paradise! 

By Jill Cooper and Tawra Kellam
http://www.LivingOnADime.com/

Remember when you used to sit on your front steps on a hot summer day eating a popsicle? It was usually red or purple and on special occasions you got a fudgesicle. Remember how you tried to lick the drips faster than the sun could melt them? Sometimes the drips would roll down your fingers, forcing you to make the mind numbing decision whether to lick your fingers or the new drips forming on your popsicle.

Every once in a while a few drips would get out of control and fall on your bare toes. Remember how your dog’s tongue felt like sandpaper when he licked the sweet gooeyness off of them?

It’s funny how we try to make drama and expensive memories for our children when it’s the simple everyday things we remember the most.

Try some of these ideas to keep the kids entertained this summer:

To find popsicle molds, look at discount and mail order stores or garage sales. If you don’t have any molds, use small paper or plastic cups. Put a wooden stick or plastic spoon in the center.

For mini popsicles, pour orange, apple or grape juice or flavored drink mix into ice cube trays. Partially freeze and then place toothpicks in the center of each cube (or place plastic wrap over the top, secure and insert toothpicks through plastic wrap).

Making your own popsicles can give great variety and keep your kids cool this summer!

For non-traditional popsicles:

* Freeze applesauce in popsicle molds.

* Mix fruit or jam into yogurt. Freeze in small, snack sized Ziploc bags for frozen yogurt on the go. Cut a hole in the end of the bag for easy access/eating.

* Mix gelatin and freeze. Add gummie fish or worms before freezing for added fun.

* Freeze syrup from canned fruit.

* Add food coloring or sprinkles to yogurt or softened ice cream for added pizzazz. Then freeze in popsicle molds.

* When you have leftover jam or jelly, put ¼ cup of hot water in the jar and shake well. Pour into popsicle molds and freeze.

* If jelly or jam doesn’t set up well, use for popsicles or add more water, boil and make syrup.

* Make a batch of pudding. Add coconut, nuts, marshmallows, crushed cookies or sprinkles if desired. Pour into molds. Freeze several hours until firm.

* Stick a toothpick in the center of blackberries, strawberries, raspberries or sliced bananas.Dip in chocolate if desired. Freeze on a tray. Once frozen, store in freezer bags.

* For easy snow cones, freeze orange juice (or any other flavored juice) in ice cube trays. Store frozen juice cubes in a plastic bag. Blend 5 cubes in the blender until they have a shaved ice consistency. The shaved ice will keep its consistency if kept frozen in a container.

* For watermelon popsicles, blend one cup each watermelon chunks (seeds removed), orange juice and water. Blend well. Then pour and freeze into molds.

* For strawberry popsicles, blend 2 cups strawberries, 1 cup vanilla ice cream or yogurt, 4 cups orange juice and 2 tablespoons sugar. Blend smooth. Pour into molds and freeze.

* For banana popsicles, dissolve one 3 oz. package strawberry gelatin with one cup boiling water. In a blender, mix gelatin, 1 banana and 1 cup yogurt or ice cream. Blend well and pour into molds.

Pudding Pops

1 pkg. pudding (not instant*)
3 cups milk

Combine 1 large package of pudding with 3 cups of milk. Mix only enough to blend well. Quickly pour into popsicle molds and freeze. Chocolate and vanilla pudding may be layered for a fun treat. Makes 8-10 popsicles.

*Regular homemade pudding may be used instead of store-bought pudding mix.

When Does School Start?

October 22, 2008 · Filed Under Being Frugal · Comments Off on When Does School Start? 

By Jill Cooper and Tawra Kellam
http://www.LivingOnADime.com/

The kids have been out of school for weeks now. You’re lying in your hammock with a gentle summer breeze softly cooling you and the sweet smell of summer flowers fills the air. Yeah, Right! Reality check! You have probably heard “I’m bored. I have nothing to do” a hundred times today!

Homemade Play Dough

Don’t run down the street panicking, wildly flinging your arms and screaming like a mad woman. I say this not because of what the neighbors might think. Most of the other moms would probably be hard on your heels. I just don’t believe in using any more energy than necessary.

Instead, peel Tarzan off the chandelier and catch Superman in the midst of his fifth flight from the top bunk bed, trying carefully not to tear his cape made from your favorite red silk blouse. With your free hand grab child #3 who is painting a great copy of the Mona Lisa on your bedroom wall.

March the kids to the kitchen (there may be some resistance but you will prevail) and try these recipes. Who knows? Between these and a small miracle you might just get to swing in the hammock yet. (But then again, probably not!)

Slime

1/2 cup white glue
6 Tbsp. water
food coloring
1-4 tsp. Borax
1-4 Tbsp. water

Mix the glue, 6 tablespoons water and food coloring until it is dissolved. In a separate bowl, dissolve 1 teaspoon borax into 1 tablespoon water. Add to the glue solution. You will get a very thick clump of slime when the two mix. Pull the clump of slime out of the glue mixture and put it in a separate bowl. Mix another batch of the borax solution and add to the remaining glue mixture. Repeat until all the glue mixture is used (about 3-4 times). With clean hands, knead the slime to mix. This will take about 10 minutes and is not very difficult as the slime easily separates between your fingers. If a looser, more slimy texture, is desired knead in a bit more water. The more water you add, the slimier it gets. The slime doesn’t leave a residue and doesn’t get stuck on anything. This is great for Halloween entertaining. Store in an airtight container. This can easily be doubled, tripled or quadrupled.

Edible Play Dough

1/3 cup margarine
1/3 cup light corn syrup
1/2 tsp. salt
1 tsp. vanilla extract or flavorings
1 lb. powdered sugar
food coloring (optional)

Mix first 4 ingredients together. Add powdered sugar. Knead it. Divide and add food coloring. Keep refrigerated to keep from spoiling when not in use. You can replace vanilla with flavored extracts to give flavor other than just plain sweetness.

Homemade Bubbles

Bubbles

1/4 cup liquid dishwashing detergent
1/2 cup water
1 Tbsp. sugar

Put the dishwashing detergent in the water. Carefully stir in sugar trying to avoid suds. Take a regular drinking straw and cut into 4 pieces. Then dip into the solution and blow your bubbles. Tie a rope loop up to a foot in diameter on the end of a stick and make a gallon of bubbles. Dip the rope in the bubbles and run with them. This will give you giant bubbles.

Chill Out This Summer

October 22, 2008 · Filed Under Being Frugal · Comments Off on Chill Out This Summer 

By Tawra Kellam
http://www.LivingOnADime.com/

The day moms dread all year long has arrived: the last day of school and the first day of summer vacation. To help moms keep their cool by helping their kids chill out, here are some recipes from  www.LivingOnADime.com.

Snow Cones

Crushed Ice
1 pkg. flavored drink mix (flavor of your choice)

Mix drink mix half strength according to directions. Chill 1 hour. Just before serving, crush some ice. You can use either a snow cone maker or put some ice cubes in a plastic bag and pound with hammer. Pack ice chips into cups, pour chilled drink mix over the ice and serve. You can also use fruit juice boiled down to half with food coloring added.

Apple juice: green or red food coloring
Grape juice: purple food coloring

Frozen Bananas

bananas
skewers (optional)

Cut bananas in half crosswise. Insert skewer in the thicker end. Place bananas on a tray and place in freezer. When frozen, move to a plastic bag and keep frozen until ready to use.

Toppings

yogurt nuts, finely chopped
peanut butter applesauce
melted chocolate coconut
wheat germ

Allow bananas to thaw slightly. Put toppings in small bowls. Dip banana before each bite. Eat plain or roll or dip into any of the toppings. Use the wet topping first so the others will stick.

Play Dough

2 cups flour 2 Tbsp. oil
1 cup salt 2 cups water
1 tsp. cream of tartar food coloring

Mix together all ingredients except food coloring in a saucepan. Cook over medium heat, stirring constantly until mixture gathers on the spoon and forms dough (about 6 minutes). Dump onto waxed paper until cool enough to handle and knead until pliable. Store in a covered container or plastic bag. Add food coloring for different colors. Makes about 2 pounds.

Let them have some creative in the pool out back with these finger paint recipes.

Finger Paints

1 pkg. unflavored gelatin
1/2 cup cold water
1/2 cup cornstarch
1 1/2 cups water
liquid dish detergent
food coloring

Dissolve gelatin in 1/2 cup water. Set aside. In a saucepan add cornstarch then slowly stir in 1 1/2 cups water until well blended over medium heat. Cook until it boils, becomes smooth, thickens and turns clear. Add gelatin mixture and stir well. Pour into containers and add a drop of liquid dish detergent. Add food coloring until you get the desired shade. Store covered in the refrigerator 4-6 weeks.

Easy Finger Paints

1/4 cup cornstarch
2 cups water

Mix in saucepan and boil until thick. Then pour into a jar and add food coloring until the desired shade is achieved. Store covered in the refrigerator.

Packing Food for Road Trips

October 22, 2008 · Filed Under Being Frugal · Comments Off on Packing Food for Road Trips 

by Jill Cooper
http://www.LivingOnADime.com/

If you have some money saved for a trip but you know that the gas cost is going to eat most of your funds, try cutting your budget in another area, like your food. Consider taking your food with you. Going out to eat on a trip does not hold the excitement that it once did. Most families go out to eat so often at home that the novelty of it has worn off. The next time you travel try packing your own food.

Don’t forget breakfast — Sometimes getting on the road the first thing in the morning is such a rush that it might be easier to wait and eat breakfast after you have driven an hour or two. This works especially well if you have to start out in the wee hours of the morning.

Breakfast

* Muffins, banana or apple bread Don’t forget the butter or cream cheese

* Donuts, honey buns
If you think it will be easier for you, buy them individually packaged. I’m not sure why, but kids seem to love individually packaged things and it makes everything more fun.

* Bagels with cream cheese and jam
Mix the jam and cream cheese together and place in a small container before you leave.

* Individual boxes of cereal with milk
When I was young I always thought that it was so neat to be able to cut the sides of the boxes open and use the cereal box for a bowl. My mom thought it was neat because she didn’t have to bring extra bowls and could toss the boxes.

* Hard boiled eggs

* Little smoky sausages (the pre-cooked kind)
These can be eaten out of the package, but if you like them hot, place them in a small thermos and pour very hot to boiling water over them. Put on the lid and by the time you are ready to eat them, the water will have heated them through.

Lunch and Dinner

* Sandwiches
Sandwiches are always great for a trip. Use hoagie buns instead of regular sandwich bread. It makes them a little more special and they don’t crush as easily. Good old peanut butter is great for the kids. Pay just a few more pennies and get the peanut butter in the tube. No messy knives and it’s smaller than a jar. If you have spare packets of jelly from eating out, use those or buy jelly in the tube, too. If you put lettuce or tomato on your sandwiches, bag them separately and put them on just before you are ready to eat.

* Chicken or slices of ham
Fried chicken is always a good picnic stand by. See later tips on keeping it cold.

* Hot dogs
As with the little sausages, put the hot dogs in a thermos and cover with boiling water. They will be perfectly cooked when ready to eat. To me these are so much Easier than sandwiches and everyone loves them.

* Potato salad or pasta salad
Keep them in a small cooler.

* Chips, crackers and cheeses
Buy chips in the cans. Slice or cut cheeses into cubes before you leave. Cheese sticks are perfect.

* Baked beans
Once again, they keep great in a thermos.

* Fruits and veggies
Apples, Oranges (already peeled) and firmer fruits. Clean and bag carrot sticks, celery, broccoli, cauliflower or other vegetables.

* Cookies, brownies, quick breads and muffins These are the best desserts.

* Drinks
Of course pop works great, but I like to freeze bottles of lemonade. Lemonade seems more refreshing. You can also have juice or iced tea in bottles and coffee in a thermos for coffee drinkers. Be sure to freeze all your drinks to help keep your other foods cool in place of ice.

Don’t forget the water!

General Tips

* Kids usually whine and fuss for one of two reasons. They are hungry or tired. This is especially true on trips, so bring plenty of snacks and a pillow for everyone.

* If you have room, box each family member’s meal in his own box like the box lunches they give out at activities. This is really handy if you have to eat while driving. When finished eating, each person can put his empty wrappers in his own box for easy clean up.

* Be sure to bring those extra ketchup, mustard, salt, and pepper packets you get from fast food. Don’t forget the plastic knives, forks and spoons along with napkins and a paring knife. Make sure just about everything is disposable.

* If money is tight, you don’t have to have elaborate meals. I still fondly remember the trips when we stopped and bought a bag of chips, a loaf of bread, a package of bologna and cheese. We washed it down with an icy cold Pepsi and nothing tasted better.

* If you can, buy the gadget that you plug into the lighter plug in your car to heat water. It works well for instant coffee, oatmeal and hot chocolate.

In this day and age with so many convenience foods available, it isn’t hard to pack a lunch for the road. Even using those convenience foods, it is usually cheaper than buying food for the whole family at a fast food place.

Kids Bathroom Organization Ideas

October 18, 2008 · Filed Under Bathroom Ideas, Home Organization Ideas, Kids Rooms Ideas · Comments Off on Kids Bathroom Organization Ideas 

Whether you have several children sharing a bathroom or one child with their own, keeping a child’s bathroom clean and tidy is a challenge. Your children may not share the same fastidiousness you have for a neat bathroom and may not understand the problem that wet towels can cause. But when their bathroom is customized to suit their needs and style, their pride will take over and you’ll find your little ones are tidying up their own domain, and happy doing it!

Step One: Inventory Your Child’s Bathroom Necessities
The key to keeping a child’s bathroom organized is to limit the amount of things that are allowed in there and teaching them how to put things back where they belong. If your children share one bathroom, you’ll need to be vigilant assigning each child his or her own “area” in their shared space. Start by taking everything out of the drawers, closets, and shelves. Set aside the bare essentials to put back in the bathroom. How many towels do you actually need in there? Do you need to store extra toothpaste and soap in the bathroom, or can that be better stored elsewhere in the house? How much extra toilet tissue will you want to store? Once you decide what’s staying, it’s time to devise the plan for storing everything and keeping their bathroom clean.

Step Two: Storing The Flotsam And Jetsam
Plastic buckets are great storage ideas for shampoo, bubble bath and the like. Either specially designed buckets or leftover buckets from food items can be used to corral items kept on a bathroom shelf or even on the back of the toilet. Buckets with separate compartments can store all necessary grooming items for each child, stored under the sink or in a closet, and pulled out only when needed. Consider purchasing racks designed for holding shampoo, soap, and bathing incidentals that can be attached to the shower wall or hung over the shower faucet. Look for other creative storage options that are made to hang over the shower rod, install over the toilet, or slide under the sink. Toys are a great way to encourage kids to take a bath, but keeping toys organized and out of the way isn’t always easy. Mesh bags made for storing toys in the bathroom are a great solution. Hanging the toys up in the tub allows them to drip dry. It’s probably still a good idea to soak the toys in a weak bleach and water mix from time to time in order to clean and disinfect them. If space is at a real premium, allow the kids to only have a small number of toys in the bathroom at a time. Divide the toys into groups, and store the extras in a closet. Then, the kids can rotate which toys they use for a set period of time.

Step Three: A Home For Towels And Washcloths
You’ll need to both store the clean towels and washcloths, and have a spot to hang wet towels and washcloths. Look at the space you have available and get creative! Behind the door is probably your number one space for hanging damp towels. Either purchase over-the-door hooks, or attach some hooks to the back of the door, designating a spot for each child to hang these items. Don’t forget to hang some hooks low enough on the door to encourage even your littlest one to take care of their own towels. If you have space on the walls for hanging towels, look into towel bars and racks that have different levels and options to encourage kids of different ages to hang up their towels. It also helps if each child has their own unique towel set with a favorite color or character. Limit the number of towels and washcloths to one or two a piece, and any spares can be stored in a closet outside of the bathroom, taking up less space. I don’t recommend keeping a hamper in the bathroom because damp towels that get thrown into the bottom of a hamper and forgotten will mold. You may want to consider paper towels on a holder at the bathroom sink for convenience and sanitary reasons.

Step Four: Keeping Dental Care Items Clean
There are cute toothbrush holders that help keep all the dental care equipment in one location, but you’ll need to have room available near the sink. Most bathrooms have a medicine cabinet built in and, since this area wouldn’t be used for storing medicine, it makes a good spot for your child’s dental care equipment. You might find some narrow plastic bins, such as you’d use for kitchen drawer dividers, that fit on the shelves in the medicine cabinet to separately store your children’s toothbrushes and floss. If toothpaste tubes get too messy for your taste, the newer toothpaste pumps are somewhat less messy and sit upright in a medicine cabinet.

Step Five: Hair Care Tools
Hair care tools like brushes, combs, blow dryers, and curling irons need to be kept together in their own bin, drawer or shelf. However, you need to designate a specific place for the blow dryer and curling iron to cool off after use. If you have a closet, hanging a hook behind the door to hang up these tools is a good idea. You can also find little bins that hang on the wall, specifically made for cooling hair care tools. Let your older child know that leaving a hot curling iron on the counter is not an option and it needs to be stored in the place you have designated.

No matter what age your children are, they can help keep their own bathroom clean and organized when they are given a simple plan to follow. Having places for everything will help your child put everything in it’s place!

Come back and see us again for even more Home Organization Ideas.

Laundry Room Organization Ideas

October 18, 2008 · Filed Under Home Organization Ideas · Comments Off on Laundry Room Organization Ideas 

If doing laundry has become a dreaded chore in your house, it may be time to get organized. Having the laundry room and supplies more organized may not make wash day more enjoyable, but it will make the work go faster. It may take your family some time to adjust to a new system. But, if everyone in the family helps, you will soon be saving time spent doing laundry, allowing more time for family fun.

Step One: Create Convenient Storage For Supplies
Have all your detergents and fabric softeners readily available near the washer and dryer. A simple shelf installed above or near your washer and dryer should hold all the necessities for wash day. If your laundry room is very small, consider narrow shelves installed to the ceiling, with one sturdy, wider shelf to hold your detergent, installed just above the washer and dryer. Take inventory of your space and be creative. Instead of standard laundry baskets for sorting, you may want to check out canvas bags that mount to the wall or wheel out of the way. Anything that saves space and gives you more room to work is well worth the investment.

Step Two: Control The Clutter
Your laundry room or area will begin to get cluttered very quickly, so include some small bins or baskets to catch all the loose change, found buttons, and miscellaneous things you find in the pockets and at the bottom of the washer. You will want a separate bin to hold items that need special attention, such as mending. If some of your clothes require ironing, use a separate basket just for those items. Your younger children will have clothes that they are quickly outgrowing. Have a box clearly labeled “Donate” and remove those clothing items that are too small immediately after washing and drying them so they don’t end up back in their bedrooms again.

Step Three: Use Multiple Laundry Baskets To Presort
This is where it all comes together, or all falls apart. Making sure your family does their part to presort their own laundry will be the difference between sanity and insanity on wash day. Start by purchasing several laundry baskets or hampers, and show your family what clothing items go in which basket. I’ve purchased a white laundry basket for the light or white clothes, and a dark color laundry basket for the darker colors. Even the youngest child can understand and use that system. Then, when it comes time to do the laundry, all you have to do is grab the basket of presorted laundry and throw the clothes in the washer. Of course, with your trained eye for sorting laundry, you’ll be able to make the final sorting decisions as you load your washer. Go a step farther and show your family where the stain stick is kept, and how to use it, so that they can pre-treat stains in advance of wash day.

Step Four: Hanging And Folding
If you take your clothes directly out of the dryer and hang them up, you’ll save on ironing time. For this task, you’ll need a temporary home for hanging those clothes. There are many rolling racks on the market that are reasonably priced. There are also wall-mounted hanging racks that fold up when not in use. If you have room for a folding area you are lucky indeed. If, however, your space is limited, there are some temporary solutions such as folding surfaces that attach to the wall and fold flat when no longer needed. If you are like the vast majority of us who take our laundry out to the living or dining room to fold, be sure you have a clear surface before you haul your clothes out of the dryer. That will eliminate piling your clothes on the floor while you look for a place to go to fold them. After all, we’re looking at saving time, not postponing the task and spending time completing the task later, which doesn’t really save us any time at all. Lastly, if you fold your laundry in the living room, multi-tasking is a great idea. In other words, folding clothes can usually be done while you are doing another task, such as listening to your child do their vocabulary homework, watching the program you recorded, or while you and your spouse catch up on your day.

Step Five: Special Handling of Delicate Items
One smart mom took digital pictures of all the “dry clean only” clothing items, printed off a color copy, and taped the pictures to her laundry room wall. Now when she starts filling her washer, and she sees a blouse that looks familiar, she glances up at the pictures above her washer and is reminded that this item doesn’t belong in the washer and ended up in a basket by mistake. Delicate clothing items need a bin clearly marked specifically for them.

Whether you save up all your laundry and do it in one day, or wash your clothes each time you have a full load, if you are organized with baskets, bins, and hangers at the ready, your task will be accomplished with the least amount of time spent. Less time spent on the laundry is good for the whole family!

Come back and visit us often to check out even more Home Organization ideas.

Organizing the Car

October 17, 2008 · Filed Under Home Organization Ideas · Comments Off on Organizing the Car 

DSC01738 photo credit: Travis Hornung

Keeping your car organized can be a challenge. We all know the scene- open the mini-van door and hold your breath to see if anything falls out. Animal cracker crumbs on the floor, toys strewn about, DVD’s not in their cases and random shoes under the seat. Then as your kids get older you will find dirty sport uniforms and socks, candy bar wrappers, and DVD’s not put back in their cases. So, what to do to keep the family car from looking like the family dump?

Well, for starters there are all sorts of innovative organizing products for cars out there now. Some of my favorites can be found at Lillian Vernon but you can also pick them up at local department stores.

I love my cell phone holder that clips onto the vent of my car. It holds not just my cell phone (for hand’s free talking) but has a place for lipstick and gum (or whatever you would choose to keep there) as well.

If you work from your car (I call it my mobile office) then invest in a sturdy plastic file box with a handle that can serve as a portable office. You can use Velcro adhesive patches to keep it secured to the floor, to avoid files going everywhere if you need to slam on your brakes or take a sharp turn.

Use an over the seat organizer to house DVD’s, books and small toys. If your kids won’t keep the DVD’s from getting scratched then put a CD holder on the passenger side visor to hold the Disney movies.

Keep a trash bag (I use a small re-usable one that I bought at Wal-mart) in the front seat and the back seat. My kids aren’t allowed to start playing with the happy meal toy, etc. until the trash has been put in the bag. If your children are old enough, emptying the car trash can be a chore just like cleaning their room and putting away their clean laundry. If not, then make it a habit to bring the trash bag in the house with you to be emptied.

Have a box in the trunk for things that need to be taken in the house. That way if your son is changing into his basketball uniform in the van on the way to a game (yes this happens, at least in my family) then he can toss his other clothes in that box instead of wherever they may land. Assign a day or two a week to bring that box in and empty it.  I also have a box in the trunk that houses the articles I would like to get around to reading, the shirt that needs the button sewn back on or the thank you note that I keep meaning to send.  Those are perfect waiting room or stuck at soccer practice activities for us busy moms.  By keeping them in the trunk, it is one less thing you have to remember to grab before you run out the door and when life gives you a few moments to spare- you can make the most of the time!

Invest in a sturdy tote bag that “car” toys can be kept in, especially for little children still in car seats. The bag can be set on the seat beside them for easy access and every few weeks you can change out the toys in the bag so they don’t become bored with the selection.

As your kids get older, don’t let them out of the car until their area is free of clutter, trash and crumbs. Hey- we moms control the locks.

Happy organizing!

Tips for Inexpensive Graduation Parties

October 17, 2008 · Filed Under Being Frugal · Comments Off on Tips for Inexpensive Graduation Parties 

By Jill Cooper

http://www.LivingOnADime.com/

Bobbi asks: Our daughter graduates this spring and wants to have a graduation party afterwards for family and friends. We have very little money for that. Do you have any ideas for finger foods, salads, and decorating ideas that would fit our budget? Thank you, Bobbi First of all, keep it simple.

Decorate using anything that your daughter has collected over the years that has her high school colors or mascot on it. For a tablecloth, go to the dollar store and get a plastic tablecloth in her school colors or go to Wal-Mart and get an inexpensive twin sheet (for about $3) in her colors. Hang school pictures or scrapbook items around the room or lay them on the table. Also, balloons and streamers from the dollar store can add a lot to the decorations for a small price. For my daughters graduation I didn’t decorate much, but I did lay out a very nice food table.

As far as food goes, it’s really more about the presentation than the food. Even the most inexpensive food looks expensive when served on a silver plater or glass tray. Do things like cut the sandwiches into triangles and cut off the crusts. Use foods like egg salad, ground up chicken or ham sandwiches. When you grind your meat, it can go much farther.

Punch can be a less expensive alternative to trying to serve pop. I make punch all the time by mixing 3-4 different flavors of Kool-Aid and then freezing it long enough to make it slushy. Use less water than what the directions indicate. If the package calls for 2 quarts of water, I use 1 and 3/4 quarts. People frequently ask me for my recipe and are often surprised to learn that it is just plain old Kool-Aid.

Look through your cookbooks and find salads that call for less expensive ingredients. For example, adding a few veggies to a pasta salad is less expensive then making a veggie salad with lots of cauliflower and broccoli in it. Here’s a strawberry salad that I used at my daughter’s graduation that is great because it freezes well, allowing me to make it long before the party. If you have a cake, too, this dessert can be used as a fruit salad instead.

*Strawberry Dessert

This is probably one of my favorite desserts, partly because it is not too rich. It is a very light dessert. It is an especially good one to keep made up in the freezer for when unexpected company comes by. I like to use it not only for graduation parties, but also for baby showers or any other get-together because I can make it a week ahead of time and that means one less thing to have to deal with the day of the special event!

Crust:

1 cup flour
1/4 cup brown sugar
1/2 cup nuts
1/2 cup butter, softened

Mix and slightly press or crumble into a 9×13 pan. Bake at 350° for 20 minutes. Stir occasionally while baking to make crumbly. When cooled, remove 1/3 of it to save to sprinkle on top of the dessert. Evenly spread out the remaining portion in the pan.

Topping:

2 egg whites (pasteurized)
2/3 cup sugar
1 10oz. package of strawberries
2 Tbsp. lemon juice (must use)
1 small container whipped topping

Place first 4 ingredients in a large mixing bowl and beat at high speed for 10 minutes or until it forms stiff peaks. Be sure to use a large mixing bowl because this really increases in volume. Fold in whipped topping and spread over crust, Sprinkle with the 1/3 cup of crumbs you saved back. Freeze for 3-6 hours or overnight.

Feeding a Family for $300 a month?

October 17, 2008 · Filed Under Frugal Meals · Comments Off on Feeding a Family for $300 a month? 

By Tawra Kellam

www.LivingOnADime.com

I do something that most people think they can’t do today. I feed my family of 5 for $300 a month. Most people say that’s an impossible feat, but what boggles minds even more is that I do it without using coupons.

How do I do it? First, I use what I have. If I don’t have milk in the house, I don’t make a special trip to the store for it. The kids won’t die from malnutrition if they miss drinking milk for a day or two. If I’m out of bread, I’ll make some cornbread or muffins. If I’m out of fresh veggies, I will use canned or frozen instead. Stop going to the store for one or two things. I shop for food 2-3 times a month and that’s it. You’d be amazed how much this saves on the cost of gas.

Shopping the clearance sections, I regularly find milk on clearance for $1.20 a gallon. My store marks the milk down a few days before the “sell by” date. The great part is that milk stays fresh for 1 week after it’s opened. I generally only buy the milk when it’s marked down and I buy enough to last until the next time I find a great deal on it. I throw several in the freezer and then I don’t have to make a special trip for milk (or pay the premium price). Just thaw, shake and serve.

Purchase meat only on sale or on clearance. Again, butchers mark down their meat a day or two before the “sell by” date. Generally, meat is good for 3-4 days after the “sell by” date in the fridge or 6 months in the freezer.

I never buy meat unless it’s on sale for $1.99 or less a pound. If it’s not on sale, we don’t eat it. (Even so, we never have a shortage of meat in our house.) You can get some great unadvertised deals just by watching the meat counter’s clearance items. I found 5 lb. rolls of hamburger for $2.95 each just the other day. Of course, I stocked up and will have enough hamburger to last the next 6 months.

I can get “soup bones” with enough meat on them to make a great vegetable stew for under $2.00 for the entire family! Add some rolls and you have a complete meal for 5 for less than $3.00. When chicken is on sale for $1.66 per pound, I stock up. I do this with all my meats. This way we can always have a variety of meats.”

Another important tip: Ask. Most people are intimidated by asking, but I regularly ask when things will go on sale or be marked down. By asking, I’ve found out that bananas, milk and meat are marked down each morning. I try to shop in the mornings to get the best deals. When we lived in Texas, the stores marked things down in the evening, so we made it a point to go shopping in the evening. Adjust your shopping times to find the best deals.

Serve your family proper portions of food. Most parents give their kids way too much milk, juice and soda. My kids get soda on special occasions only. They eat milk with their cereal. For snacks, they eat a piece of string cheese, fruit or one or two cookies. The kids don’t sip on milk or juice all day long. They drink water and are just fine with it.

As a general rule, I try to give them one vegetable and one fruit for lunch and dinner and then a piece of fruit with cookies or cheese as a snack.* This way, they get their “five a day” in very easily. Stop letting kids just “graze” on chips and other snack food all day. My kids get one small “bowl” of chips (1/2 cup to 1 cup depending on the size of the chips) a day and that’s it.

So what do we eat? Here are some of our menus:

*Slow cooked roast,* brown gravy, onions, carrots, potatoes, buttermilk muffins and a fruit plate (The next day, the leftovers from the roast are used as barbecue beef along with potato salad, green beans and strawberries or grapes.)

*Pizza (homemade),* tossed salad and fruit
*Maple glazed chicken,* scalloped potatoes, glazed carrots,applesauce and dinner rolls
*Sloppy Joes,* cucumbers and tomatoes
*Tacos,* refried beans, green beans, sliced apples and tortilla chips w/ honey

With savvy shopping, you to can cut your grocery bill even when prices are going up!

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