Category Archives: Budget

Quick and Easy Budget Cooking Tips

I typed up some tips for a friend today, and figured I should share them with you all as well! Here they are:

I don’t always keep fresh veggies and a couple of other odd ingredients on-hand (because they go bad so quickly), but I still use several recipes that call for them; I just have to make a quick trip to the store first.

I always use the cheap version of everything. If a recipe calls for chicken wings, I use thighs, etc.

Also, I never use a whole pound of meat. I will buy a 3-lb. frozen roll of hamburger, cook it all, drain the fat, and divide it into 5 baggies. I refreeze those, and use one portion when it calls for a pound of beef. With chicken, I always just buy a big bag of thighs. When the recipe calls for a pound of chicken, I just take one piece out of the bag and boil it. (I do everything the easy way, lol.) Then I tear it in pieces and toss it in with the rest of the recipe.

Also, a lot of times, I’ll just use whatever type of cheese, veggie, meat, or filler (beans, rice, pasta, potatoes) that I have on-hand or that I need to use up. I don’t always follow the recipe. (Except for spices – I am terrible at guessing at those! Lol.) I also like to stretch recipes by adding extra filler.

I always use lemon juice instead of lime because it’s cheaper, and it keeps for a long time in the fridge.

You can get enchilada sauce in the Mexican aisle at Wal-Mart. I think it’s cheaper than making it at home or from the mix that ALDI carries sometimes.

You can substitute refried beans for hummus. It’s good both ways.

FreeImages.com/Gabriel Bulla

FreeImages.com/Gabriel Bulla

When you make homemade pizza, you can cook Italian bread slices for 10 minutes or so, then add the toppings (tomato sauce, pizza spices, and any combination of veggies and meat). You can add the toppings before baking, but the bread might be a little moist when it is finished. I like it either way. Also, I always just allow my family to pick and choose from the veggies I have on-hand, and each family member makes their own unique mini-pizzas. This idea also works with tortillas, if you don’t have any bread on-hand.

I hope you find a few of these ideas helpful! Let me know if you have any more to share!

Favorite, Easy Recipes from On-Hand Items

Here are a few of the items that I have been keeping on-hand all the time. All of these items keep well for a very long time. From the following list, you can make several recipes, and I am including them below.

You will find that you eat out less and spend a lot less money on convenience items if you always have something around that you can just throw together for dinner. If this idea helps you out, or if you have more go-to recipe ideas, let me know in the comment section!

Ingredients:

Rotel

Chili beans

Kidney beans

Black beans x2

Chili powder

Cumin

Parsley

Basil

Apple cider vinegar (or red wine vinegar)

Frozen ground beef

Velveeta

Marinara

Pasta (any kind)

Oil

Rice

Garlic powder

Tomato sauce

Corn

Hot sauce

Vegetable broth

Salsa

Tortilla chips

Cheesecake mix

Milk

Butter

Cherry pie filling

Sugar

Recipes:

Vegan Chili IngredientsEasy Vegan Chili (or you can add ground beef)

4-Ingredient Lasagna

Spaghetti (spaghetti, marinara, ground beef)

Mexican Rice (oil, rice, salt, garlic powder, tomato sauce)

Black bean & salsa soup

Dump into a pot:

1 can corn (with water from can)

1 can black beans (with water)

16 oz. salsa

1 T. broth of choice

1 t. cumin

1 t. hot sauce

Heat on medium until warm and garnish with corn chips

I try to keep cheesecake mix on hand for unexpected company. It only takes 5 minutes to mix and an hour to chill.

If you keep a lot of veggies on hand, you can use them to throw together a salad, stir-fry, or lazy pizza (any kind of oven-baked bread or tortilla, topped with tomato sauce, cheese, ground beef, spices, and fresh veggies). You can also add them to rice, quinoa, or pasta for a quick nutritional boost.Lazy Lasagna Ingredients

 

Meal Planning Miracle

FreeImages.com/OBMonkey

FreeImages.com/OBMonkey

Meal planning has always been difficult for me. Perhaps it’s because I don’t usually enjoy cooking, but every time I plan meals in advance, I’m never in the mood to cook that evening’s specific meal. So I try to make things simpler on myself. I have tried all of the following:

  • Crockpot meals
  • Muffin cup meals
  • Once a month cooking
  • Running out and buying things on the day I need them

All of these things failed me for some reason or another, and I was once again finding myself surrounded by empty cupboards and empty stomachs to match. However, I finally figured out an answer to my problem. I am posting this in an effort to help all of you who might be struggling with the same thing. Here’s what I did:

I took out all of my favorite go-to recipes, and supplemented them with a few other simple meals. I also asked my Facebook friends for their favorites. Then I went through all of them and made a list of the ingredients. I put dry goods in one category, frozen in another, and refrigerated in another, but I only added ingredients that I wanted to keep on hand all the time. For instance, I can keep any amount of dry goods in stock and almost every frozen item, as long as I don’t have pizzas or other space-consuming things in my freezer. Some of the dairy products, such as milk and eggs, I added to the master list, because I figured it would be good to always have those on hand. However, half-and-half didn’t make the cut because I don’t use it often enough, and I didn’t want it going bad in the fridge if I failed to use it quickly.

Most of the meals consisted solely of ingredients that I decided I could always keep stocked. As this was my goal, I didn’t pick out any complicated or obscure recipes for this project. I wrote the names of these meals down in a separate column of my grocery list, along with the designation that I could cook any of them at any given time, provided I always kept every ingredient from my master list on hand. These meals serve as my go-to menu, and it’s working out very well, even when we have company. (My husband likes it too, because he has more and better choices.)

The favorite recipes containing ingredients that were not on that list were written down in a separate place, along with the one or two extra ingredients I would need to make them. I ended up with about 40 meals I could make at the drop of a hat, and 10 or 15 more that required one or two extra ingredients. Now this is the hard part: initially purchasing everything on the master list and then remembering to write things down as soon as I use them so I can buy them again. Because I chose simple meals, and because I already had many of the dry goods on hand, I was able to make my initial purchase for about $100.

Good luck with your meal planning, and I hope this idea helps some of you!

Homeschooling on Faith and a Budget, by Christy Acre

Homeschooling on Faith and a Budget

By Christy Acre

Have you been homeschooling your child through preschool, but now he is approaching kindergarten and you aren’t sure that you can afford to keep him home to teach him? Or are you just considering homeschooling for the first time, but you think that the public or private schools could offer your child more because they have more resources than you have? Have you seen some of the curriculum packages and thought that there was no way that the purchase of homeschooling resources could possibly fit into your budget?

After reading this article, I hope you will be reassured you that you can keep your child home where he belongs under your loving parental guidance and still give your child a quality education without spending a fortune on materials. There are many inexpensive ways to teach and nurture your child.

Get the word out

“But let all those that put their trust in thee rejoice: let them ever shout for joy, because thou defendest them: let them also that love thy name be joyful in thee” (Psalm 5:11).

Let everyone you know that your family will be starting this amazing journey. Let your relatives, friends, people at church, and anyone you can think of know that you are homeschooling. Then, if they are looking for gift ideas for your child or have something that they don’t need any more (but that you could use), they may be happy to share those with you.

Also, just by talking to members of your community you will identify others who are already homeschooling. Check at your local library to see if the librarian knows of any homeschool groups in the area. Even if you don’t join a group locally, just finding a few other homeschoolers to talk with and ask questions of can be a tremendous source of encouragement and knowledge. A lot of homeschooling families are living on one income, and it’s likely they know how to find good deals in your local community and can share ideas that have worked for them.

Search the Internet and the library

”The heart of the prudent getteth knowledge; and the ear of the wise seeketh knowledge” (Proverbs 18:15).

I have found much information by searching the Internet and taking advantage of a variety of homeschooling websites. If you don’t have a computer or an Internet connection, your local library can probably offer computer access. I have downloaded many E-Books over the years—most of them for free or at a very low cost. I visit a number of websites on a regular basis to gain information about particular topics. Our children use the computer as part of their learning on most days, and many websites offer free, educational activities.

I can’t emphasize enough the benefits of using your local public library. Everything at the library is free for the residents of that community, which is a huge benefit when you are on a budget. Each library will have unique resources and programs, so become fully informed about all that is available at your library. Most libraries offer story times and summer reading programs. The library is a great place to check out a book about homeschooling before you make the investment of purchasing it.

Most topics that will be taught in the kindergarten and early elementary years can be covered with library books. Read biographies and check out books about animals, music,

art, etc. Use early readers to practice reading skills, and then move up to chapter books as proficiency increases.

Tap into the gold mine of community resources, family, and friends

“Look not every man on his own things, but every man also on the things of others” (Philippians 2:4).

—We live in a rural area of western Pennsylvania, about 90 miles from the nearest big city. Even in our small community there are many resources to be discovered if you just keep your eyes and ears open. Be alert to community-sponsored events that could benefit your child’s education. Sometimes the local fire department will offer tours of the fire station during Fire Safety Month.

—Begin instilling in your children a sense of patriotism and respect for their country by taking them to a local patriotic program on Veteran’s Day or Memorial Day or the Fourth of July.

—Visit the office of your local Chamber of Commerce. They usually have all kinds of brochures and maps of the area, which are usually free. Here is another place where you can find out about upcoming community events.

—Your local Congressman or Senator’s office will also likely offer excellent free resources that can be put to good use in your homeschool, such as information about your state government presented in a brochure or activity book form suitable for early elementary aged students.

—Take your child to a local community theater play, and also check to see if the theater offers a children’s workshop.

—Find out what nearby state or national parks have to offer in the way of programs for children. Most parks hold programs year-round for children of all ages, and most are free.

—Check with your local Christian school to see if the school allows homeschoolers to participate in programs such as Fire Safety Day, field trips, or sporting events.

—The local home improvement store in your community may offer free workshops for children on Saturdays.

—If you are a member of a travel club such as AAA, be sure to make use of your membership benefits in your homeschool too. Maps and tour books for every state are available to AAA members by simply filling out a request online or stopping by the local AAA office. These resources are great for use in geography lessons or for planning field trips.

—A lot of inexpensive field trips can be taken. Ask local businesses if they would be willing to offer a behind-the-scenes look at how their companies function.

—There is a wealth of knowledge all around you among the people whom you already know. Everyone has unique experiences that could be shared with your child—just ask him or her to share those experiences with you! Most friends and family members would likely be happy to help out with your child’s education.

Step out into this homeschooling journey in faith. If God has called you to homeschool, He will also be sure to guide you to the resources you need on the budget that works for your family.

Christy and her husband, Darin, live in Pennsylvania with their children, Garrett and Hannah. Christy feels that it is an amazing privilege to be able to teach her children at home. She also has a home business that sells decorative Bible verses. Check out the “Children’s Memory Verses” collection at http://virtuesandverses.com/children/.

Copyright 2012, used with permission. All rights reserved by author. Originally appeared in the August 2012 issue of The Old Schoolhouse® Magazine, the family education magazine. Read the magazine free at http://www.TOSMagazine.com or read it on the go and download the free apps at http://www.TOSApps.com to read the magazine on your mobile devices.

Homeschool on a Budget, by Joy Kita

Homeschool on a Budget

Excellence Without the Extra Cost

By Joy Kita

When you choose to homeschool your children, you are embarking on an adventure that will challenge your patience, enrich your relationships, and change the tone and rhythm of your days. There may be the occasional moments when you question the reliability of your sanity, but on the whole it is one decision that yields large pay-offs and little regret. It is also a decision that has the potential to become a monumental monetary investment. After all, a quality education is costly, right?

To get the best you must pay for the best—at least that is what some people/companies/curriculum providers might have you believe. Resist the urge to buy into the mentality that spending a lot of money is the first line of attack in educating your children, and take a moment to look at alternatives. You have choices—good choices that will elevate your child’s education to a higher level of learning and sophistication within a reasonable, frugal budget.

There are people in the world who believe that education should be free. These beliefs have led influential change-makers to create learning platforms that produce quality material for little to no cost. This is good news for the savvy homeschool family who wishes to teach and learn without the expensive price tags that adorn textbooks and classroom courses. Homeschooling on a budget for one child or ten is well within your reach.

Careful deliberation at the beginning of the year is essential to protect your wallet and time. Making a list of the subjects you wish to teach is a critical step. There may be a curriculum out there for everything, but that does not mean you need to purchase it.

Traditional schools have a rounded approach to learning: they teach a little bit of a lot of subjects to fill the gaps of time in a long day. You need not mimic the learning structure of public schools if another way suits you better.

If you identified the “core” of a child’s education, you would find yourself with three subjects to teach: math, reading, and writing. Other subjects are secondary to these, providing enrichment material that supplements and rounds out the learning journey. Curriculum publishers may offer an entire grade’s worth of supplies in a box, but that does not mean your child needs everything it supplies.

Math is an important subject, and many resources are available at different price levels. Workbooks are reasonably priced; the teacher’s manuals are not. Ask yourself if you need the teacher’s guide book. In the early years you may find that you do not. It is fine to go with the workbook only. As your child grows and the math becomes more challenging, you might consider purchasing an answer book rather than the teacher’s manual. Not everyone will need both.

Partner with another homeschooling family, buy together, and share. The Internet offers many websites that provide free printable worksheets to supplement textbook lessons. There are safe educational sites with math games to correspond with the material as well. Visual games can go a long way in providing clarity and understanding of many math concepts. Quick tip: Have your student write out his multiplication tables on index cards.

Reading is another critical component of your child’s education. There are families who rely solely on good literature to teach grammar, comprehension, spelling, and vocabulary with great success. Become friends with your local librarians, and take out stacks of books for free. Project Gutenberg is an online resource that offers thousands of great works of literature for free. Print what you need, or read straight from the computer. Visit garage sales, flea markets, and thrift stores in search of great bargains on books. Quick tip: Organize a simple book co-op with other families, sharing your resources for free.

Writing is an expansive, stand-alone subject that confuses a lot of people. What is its scope? How many books and workbooks do you need to teach all aspects of this subject adequately? Actually, writing is not a complicated subject, and you can teach it well with few outside resources.

Take the subject of spelling, for example. Word lists that correspond with grade-level readiness are available online. (Do not be fooled into thinking you must stay within the confines of the lists for specific grade levels.) Hunt for words that are suitable for your student/school to learn. Use a list of words that your student misspells to create a unique, personal list of words to master. Identify spelling words within the quality literature your students are reading. Haul out the dictionary for definitions and alphabetizing practice.

Copy Scripture verses for penmanship practice and memorization purposes. Read poetry and create your own.

Don’t forget about creative writing. Make writing jars from tea canisters, and then put the names of characters into one, a variety of potential settings into another, and types of conflicts in a third jar. Students can then draw out a single entry from each jar and write a story based on those prompts. Quick tip: Use portable chalk boards or white boards for writing practice or dictation for younger students.

The three R’s, reading, writing, and arithmetic, represent the bulk of your child’s education; the rest of the subjects provide enrichment. Fill your days with science and geography, history and art if you desire. These are great subjects to use for child-directed learning.

Ask your children what they want to learn about. Find out what they are curious about. Don’t just follow them into the rabbit hole; dig it for them.

10 Best Websites That Offer Quality Material . . . Free!

1. Quirks and Quarks—Award-winning radio science program that delves into topical science inquiries. http://www.cbc.ca/quirks/

2. Ted Talks—Site that hosts video presentations of ideas worth spreading, from innovative change-makers around the world. http://www.tedtalks.com/

3. Enchanted Learning—Treasure trove of printable material ranging from simple coloring pages to labelled diagrams. http://www.enchantedlearning.com/Home.html

4. Spelling Time—Award-winning interactive spelling program. http://www.spellingtime.com/

5. Old-Fashioned Education—Directory of free homeschool curricula. http://www.oldfashionededucation.com/

6. National Geographic—More than just a magazine! http://www.nationalgeographic.com 7. Seterra—Geography quiz game. http://www.seterra.net/ 8. NASA—Top science material. http://www.nasa.gov/

9. Khan Academy—Free world-class education with a focus on science and math. https://www.khanacademy.org/

10. Kids Know It—Educational fun for the young and young at heart. http://www.kidsknowit.com/

Joy Kita is a mother of four and is the blessed wife of Stan. She has been homeschoolingfor seven years and is currently the director of a thriving co-op with more than eighty children. She is an author specializing in adventures for boys. Her newest book, Fable Nation, will be released by Brighter Books in 2013. She stays motivated by her all-consuming love for the Father. You can read her blog, Fluorescent Fingerprints, at http://www.joyamykita.wordpress.com, and check out her innovative publisher: http://www.brighterbooks.com.

Copyright 2012, used with permission. All rights reserved by author. Originally appeared in the August 2012 issue of The Old Schoolhouse® Magazine, the family education magazine. Read the magazine free at http://www.TOSMagazine.com or read it on the go and download the free apps at http://www.TOSApps.com to read the magazine on your mobile devices.

Post from the Past: Budget Planning

I was printing out my grocery list and my budget for May this morning, when it occurred to me that somebody else may benefit from my Grocery Double Check List, so I am uploading it. While I’m thinking about it, here is my Budget Form as well.

A couple of notes: I try to save my receipts from week to week, and anything that isn’t already on my grocery list gets added, along with the price, before printing the list for the following week. The question marks are things that I haven’t bought since I started keeping track, or things that I have forgotten to record.

We use one of our savings accounts to pay for yearly expenses such as income tax (I’m self-employed, so we almost always owe) and property tax. You could also use a savings account to save for vacations or health care.

Our tithe is variable because my income varies from month to month. We pay tithes on our gross amount, so in the rare years that we actually get money back from the IRS, we don’t have to pay tithes on that (it’s already been done).

We always give ourselves a small monthly allowance. We try not to make any unnecessary purchases from our budget. If my husband really wants something, he buys it from his allowance, and I do the same thing. Unnecessary purchases usually include things like eating out, books (my major pitfall), and video games, but soda and other frivolous snack foods, such as beef jerky, fall under this category as well.

Jesse and I have an agreement that whoever suggests eating out pays for it out of their allowance. Needless to say, we don’t eat out as often, but when we do, it feels like we’re on a real date because one person is paying for the other person’s meal. It’s always very sweet and intensely gratifying, regardless of whether you are the giver or the receiver.

Personal allowances are also nice because we can buy whatever we want without checking with each other first to see what kind of shape the budget is in. It also keeps me from feeling guilty for buying things that are only for me. And if I really, really want a $30 book, I can buy one without feeling silly in front of Jesse.

Something that saved us $700 last year: we switched from Sprint to Net10. We signed up for $15/month plans (200 minutes that roll over). We save almost $60/month.

We don’t pay for cable: Netflix is way cheaper, and we can almost always find something that looks interesting from their instant library.

Occasionally, I will go on a freezer-cooking spree. It’s nice to have food in the deep freezer for months when we are over budget on groceries. I keep thinking that I will make some appetizers to freeze for impromptu party invitations. That would keep us from having to run out and buy soda and chips every time someone invites us to a BBQ, etc. I haven’t done this yet, but I know some moms who really seem to be on top of things, so maybe the idea can help you save a little more money.

Hope somebody out there finds this post useful! If you have any favorite money-saving tips, feel free to send them my way!

Do you believe in life after debt?

Imprisoned by Debt:

We lived just like most Americans for years and years. Paid our debts first, then our bills, and we spent (more than) the rest every week. We kept going further and further into debt. No saving, and very little giving.

Climbing Out of the Pit:

Just last month, we sold tons of our furniture, including a baby grand and other instruments, and we are looking to sell two of our cars. We dejunked a lot, and now we are trying to live more simply as well. The biggest differences to our budget though, were discontinuing use of our credit cards, and reducing our grocery budget. (I all but stopped buying prepackaged foods, including breakfast cereals.) We are slowly but surely coming out of debt. I figure in about four years (Lord willing), we will have our mortgage and student loans paid off and be completely debt-free. Three years, if we are able to sell both cars. After that, then what? We haven’t completely decided. We know we want to continue living frugally. But beyond that…

Life After Debt:

How much should we give away, how much should we save? Should all of our money go into banks, or property, or what? In this economy, is it a gamble to invest? I sort of want to buy some property and learn how to be self-sufficient, but another part of me wants to travel first. Should I feel guilty about traveling though? I don’t want to blow money when I could be helping others. My husband is up in the air with me.

A Call for Help:

Should we work less because we need less, or accumulate the extra? What do you think about investing? Do you have any ideas?

Budget Tips

Because we just weren’t getting ahead, Jesse and I decided to stop using our credit cards last month.  Here are some tips that we have been following to help us spend less than we make:

  1. Always pay your bills first. (The money that goes towards bills isn’t your money – it already belongs to someone else. You can’t just decide not to pay your bills.)
  2. Always pay your tithes. Prove God and see if He will bless you. Keep in mind that He may decide to bless you in a way other than financially.
  3. Cut out convenience foods. You can really save a ton by making most things from scratch. (As soon as I started paying attention to this, we cut our grocery bill in half.)
  4. Eat a lot of oatmeal, beans, ramen, potatoes, and rice. Find foods that really stretch the dollar.
  5. Only buy directly from your grocery list. If you didn’t need it before you saw it in the store, you don’t really need it.
  6. To save gas, only use the car when it’s absolutely necessary.
  7. Fix or mend things that are broken.
  8. Give yourself a small cash allowance every month, but never dip into your checking account if you run out of cash. Use your allowance to purchase wants (including junk food, kitchen gadgets, or anything that you are capable of living without).
  9. Cancel any subscriptions or memberships that you don’t really use.
  10. Sell the stuff you are too busy to use (lake lots, instruments, video games, books, etc).

How to make room in your budget for charitable donations

How can you make room in your budget – especially in this economy?

Remember that the people we could be helping not only go without luxury, they go without most of what we would consider necessities. We need to reevaluate luxury vs. necessity in our own lives.

Here is something that may help you with the reevalutaion process: Begin by preparing your mind and body. Start right now. Don’t eat dinner today. Don’t wait to plan your fast for a time when it will be convenient; the people in Japan didn’t have advance notice.

Fast occasionally. Spend your extra time doing something to make money to donate. Host an event where you raise money based on how many hours you decide to fast. Decide the amount of hours you are going to fast ahead of time. This will prove less dangerous for you (just in case you get going “on a roll”), and better for your sponsors if they know upfront how much they will be giving (no nasty surprises). Sponsoring a fast is a good option for people whose diets don’t give them the options of fasting themselves.

Give up one luxury a month every month. Donate the resulting extra time and/or money to charity. Here are a few suggestions: don’t eat out for a month. Instead, set aside $10 every time you experience the temptation to eat out. Give up your favorite sugary cereal and eat oatmeal for a month. Put your Netflix account on hold for a month. I’m sure you can think of more, based on your own favorite foods, hobbies and expenses.

Prove God. Pay your tithes. He dares us to prove Him to see if He will be faithful in providing for us. Do you trust Him to keep His Word? Use the blessings that He pours on you to bless others.

“Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it.” (Malachi 3:10)

If anyone else has any ideas, feel free to comment!