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You Don’t Cook With Your Freezer?

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Freezer Cooking is something I’ve been learning how to do.

I can’t tell you the time & money it has saved me (and made my husband a very happy man) and how much better home cookin’ tastes when you’re tired of eating fast food and take out.

I have found a great resource for Freezer Cooking at Hillbilly Housewife called Freezer Cooking Made Simple but I don’t want you to buy anything without taking a sneek peek  so I’m giving you a link to “Freezer Cooking Basics“.

You don’t have to do anything except download it and read it.  There are even a few yummy recipes for you to try.

If you enjoy what you read (and I think you will) and you decide you’d like to learn how Freezer Cooking will help make your life easier then I’d appreciate it if you would order it from the links directly inside the Freezer Cooking Basics report.

If you’d like to take a look at some of the other ebooks available at Hillbilly Housewife then just click HERE

No matter what, I hope you enjoy Freezer Cooking Basics with my compliments.

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Written by Tracy · Filed Under Frugal Living 

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9 Simple Ways to Save Money on Your Groceries

It never fails, we budget for our groceries, but the bill always ends up being more. We underestimate, run out of things faster than expected and overall, everything is becoming just too darned expensive! To make things a little bit easier, here are 9 simple ways you can start saving money on your groceries.

1. Go with a List: Yes, I know…it’s a pretty obvious suggestion, but it’s amazing how effective it can be. You can purchase only what you need and avoid all the other yummy distractions of the grocery store.

2. Meal Planning: Planning your meals in advance makes it easier to get your list together and ensure you buy only exactly what you need. You can get help with your meal planning at Dine Without Whine AND they actually put your grocery list together for you too.

3. Eat Before You Go: Another classic tip. If you’re hungry, you’ll want to buy (and instantly eat) everything! Have a meal or good snack before you go to avoid impulse purchases.

4. Stock Up on Staple Items When They’re On Sale: If you see ketchup or your family’s favorite sauce on sale, stock up. Or if it’s a certain type of soup or frozen vegetable your family eats all the time, buy a bunch of it. As long as it doesn’t spoil and you have space to store it, you will save money in the long run. The nice thing about this is if you continue to stock up on a variety of items, you’ll have a nice pantry full of food at any given time.

5. Cook from Scratch More Often: Yeah, yeah…it sounds easier said than done, but it doesn’t have to be too complicated. It’s no secret that pre-packaged items and convenience foods come at a premium price. They save you time in preparation, but they eat up your budget and let’s face it, time IS money. Plus, if you’re using Tip #2 and planning your meals, cooking from scratch more often is a whole lot easier.

6. Comparison Shop Before You Leave Home: No, I’m definitely not suggesting you go from store-to-store looking for the best deal. That takes too much time. Check the flyers that come to your door and see who is offering the best deals on what you actually need. If you don’t have any flyers at your door, visit the store website as they generally post flyers online.

7. Use Coupons Sparingly: Sure, coupons offer a great deal, but most coupons you’ll find are for items you don’t really need or use. Resist the urge to think, “Wow, that’s a good deal” and search for coupons based on items you need to purchase instead.

8. Keep the Little Ones At Home: If you have young children that want everything that they see, it’s easy to get into the trap of buying items you don’t need, treats that aren’t healthy and become victim to other grocery store distractions. Keep the kids at home with Daddy (it’s a good bonding opportunity) or a relative. You can even swap grocery store shopping times with your neighbor. Not only will you save money, but you’ll save your sanity too!

9. Make Quick Stops for Fresh Ingredients: This may not be easy if you’re on a tight schedule, but if you can work it in, it can save you a bundle. One of the biggest culprits in grocery budgets gone bad is spoiled food. If your fruits, veggies and other perishable items are always going bad, consider shopping for them more frequently, but in smaller quantities and restrain yourself from buying items you don’t need. If you have any teenaged kids, this would be a great chore for them too.

There you go – 9 ways to save on groceries. But in order to make these tips work, you really need to have a plan in place. You need to know what your family needs and what you’ll be eating. To make your meal planning a whole lot easier, sign up for you 1 ¢ no-risk trial at Dine Without Whine. You and your grocery budget will be glad you did.

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Written by Crystal · Filed Under Frugal Living 

Crystal Unrau is a Canadian mother of three. After many years as a WAHM, Crystal recently returned to work full time for Your Wedding... Imagine Magazine. Crystal is also one of the co-founders of Moms In A Blog.

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Expert Advice on Energy Saving Tips for the Home

ARA) – There are two issues that are heavy on our minds in 2009 – finances and the environment? Wouldn’t it be great if you could save both at the same time? You can. All it takes is a little expert advice on how to make your home more energy efficient.

According to the U.S. Department of Energy, the average family spends $1,900 a year on utility bills. Unfortunately, much of that money is being wasted on inefficient heating and cooling systems, or excess use of appliances, according to Greg Schuman, electrician program chair at Everest Institute in San Bernardino, Calif.

Schuman advises you to break your house down into different systems of energy usage, including heating, cooling, water heating, lighting, computers and electronics, appliances and refrigeration. Once you break down your energy spending into different components, you can look for ways to maximize your energy consumption in each area.

Start with heating and cooling. According to the U.S. Department of Energy, the costs of heating and cooling make up 46 percent of a family’s monthly utility bill. Schuman suggests you be conscious of the temperature at which you set your thermostat. Try to set your thermostat as high as is comfortable in summer and as low as is comfortable in winter. Schuman also recommends you buy timed thermostats that can be programmed to use less energy when you are at work during the day and asleep at night.

Second, Schuman says homeowners should take advantage of the sun’s natural heating system. “In winter months, you want to take advantage of the sun’s heat. Open your southern and western facing windows to let as much light in as possible and make sure to keep your windows as clean as possible. Depending on the size of your windows, the sun can really help heat up a room.” But in summer, Schuman advises keeping shades down and draperies closed to prevent the sun from entering.

Lighting is another relatively easy way to save energy. “Look into getting fluorescent light bulbs. Each light bulb can save you approximately $30 in electricity costs over its lifetime,” Schuman says. On average, fluorescent bulbs use 75 percent less energy, produce 75 percent less heat and can last up to 10 times as long as regular light bulbs, so they more than make up for the initial expense.

When shopping for new appliances, Thad Becker, electrician program instructor at Everest Institute in San Bernardino, Calif., says to always think of both the immediate price tag and the long-term operating cost. “Sometimes it is worth it to pay more in the short run for a more energy-efficient appliance,” Becker says. With refrigerators, top freezers are more efficient than side-by-side units. You also want to look for a fridge with automatic moisture control. Even if you aren’t in the market for a new refrigerator anytime soon, Becker says to make sure to cover liquids and food items to prevent moisture from accumulating in the fridge, which makes the fridge work harder.

The stovetop and oven are more expensive to use than a microwave or toaster oven. “Toaster ovens actually use one-third to half as much energy as a full-sized oven, so use your toaster oven when possible,” Becker says.

Laundering clothes differently also saves money. More than 90 percent of the cost of doing laundry comes from heating the water, so Becker suggests washing clothes in cold water whenever possible and making sure to fill loads completely before running them. He also advises not to over-dry clothes and, when possible, to air-dry your clothes. “Air drying is a great way to save energy, and it also has the added benefit of helping extend the life of your clothing,” says Becker.

If you are willing to spend a little money, check your insulation. Adding insulation to your attic floor, basement or crawl spaces is relatively easy and can prevent major heat loss in the winter. “If you are uncomfortably cold in the winter or hot in the summer, think about checking your insulation. Most homeowners don’t realize that only about 20 percent of homes built before 1980 are well-insulated,” Becker says.

“With a few small changes in your daily routine, or relatively inexpensive home improvements, you can really cut down on your energy usage, which can have a significant impact on your long-term utility costs, not to mention the pleasure of knowing that you are helping do your part to conserve energy,” Becker says.

For more practical advice on an energy effiecient home, check out The Household Helper’s eBook – How To Make Your House Cost & Energy Effective.

Courtesy of ARAcontent

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Written by Crystal · Filed Under Frugal Living 

Crystal Unrau is a Canadian mother of three. After many years as a WAHM, Crystal recently returned to work full time for Your Wedding... Imagine Magazine. Crystal is also one of the co-founders of Moms In A Blog.

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6 Smart Ways to Stretch Your Dollars

(ARA) – For many of us, the New Year will be full of resolutions. Most people resolve to get in shape and eat right, but especially in these times, it’s wise to make financial resolutions and find ways to spend smart and save in the upcoming year.

Jennifer Openshaw, successful author, radio host and financial expert, offers the following smart tips to stretch your dollars in 2009:

Change the Channels
We all have services we no longer need. Do you really watch all your cable channels? Have you got hundreds of unused cell phone minutes you’re still paying for? A second home phone line you never use? Gym membership you don’t want? They all made sense at one time, but what about now? Take inventory. Check your bills and credit card statements. Find the suspects, and then ask yourself, “Do I really need this?”

Make It Last Longer! Clean It. Fix It. Keep It.
Simply put, it pays to make things last longer. Cars, furniture, computers or the deck on the back of your house — a little care can pay big rewards. So dedicate time (and maybe a little money) to really cleaning up that old car. “My friend has saved megabucks by keeping his Ford Explorer in good shape for 17 years. Some folks buy three new cars in that amount of time,” says Openshaw.

Used Doesn’t Mean Abused
Quite often, “used” goods will work just as well as new ones — and cost a fraction of the price. “Used” also includes open box and returned items in stores. “I just bought a lawnmower. New $439, I got it for $129 — used twice maybe — and runs perfect!” says Openshaw. Learning to buy used if you don’t already can also be a great way to save on items you need. By becoming a member of an online shopping portal or community of sellers like eBay or Craigslist, you’ll open up a two-way road of buying and selling — and saving along the way.

Save While You Spend
Use coupons, look for sales or sign up for a savings program like Keep the Change from Bank of America that helps you save money while you spend (BankofAmerica.com). Keep the Change automatically rounds up check card purchases to the nearest dollar and transfers the difference from your checking account to your savings account. The savings really help as you kick off the New Year. Plus, with Keep the Change, you’ll get a match.

Do-It-Yourself
By taking over your own gardening, car washing, house cleaning or even a little home improvement, you’ll not only save money, but get some great exercise while expanding your pride of ownership. And it isn’t just grunt work — instead of the weekly trip to a restaurant, try a fancy do-it-yourself meal experience. You can turn DIY into stay-at-home fun, especially if you get the family involved.

Take a Calculated Risk
Have you ever thought about raising deductibles on your property, auto, health or other insurances? That extra few dollars of coverage can really add up. “I have a friend who just raised the out-of-pocket family maximum on a purchased high-deductible policy from $4,800 to $8,000 and saved $2,844 a year in premiums by taking on $3,200 more in risk,” says Openshaw.

Courtesy of ARAcontent

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Written by Crystal · Filed Under Frugal Living 

Crystal Unrau is a Canadian mother of three. After many years as a WAHM, Crystal recently returned to work full time for Your Wedding... Imagine Magazine. Crystal is also one of the co-founders of Moms In A Blog.

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Why Should I Make a Budget?

I attended a finance course once where we were challenged to track every penny we spent for one month. Even if it was $1 for a pack of gum, we were to keep a receipt. Like most moms, I had a fairly good idea of where our money went. I know what our monthly bills and payments were, etc. But, I took the challenge anyway and I dare you to try it as well.

You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years. For example, a $2 cup of coffee every morning on the way to work adds up to $2500 over 5 years! One fast food meal each week at $8 a meal is $2080 over five years!

That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.

If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.

It really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.

Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.

If you want to be able to make a down payment on a house, start a college fund for your kids, buy a new car, take a vacation to Disneyland… anything… then that is your goal and your reason to get a handle on your financial situation now.

Tracking your expenses and setting a realistic, workable budget is the first step to achieving those goals. Setting and sticking to a budget seems so overwhelming to most people that they put it off all together, hurting their finances in the long run. The good news is that it doesn’t have to be! The Household Helper has a fabulous Guide to Setting Up a Family Budget… And Sticking To It that will make budgeting simple and effective!

Start budgeting your way to your goals today!

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Written by Crystal · Filed Under Frugal Living 

Crystal Unrau is a Canadian mother of three. After many years as a WAHM, Crystal recently returned to work full time for Your Wedding... Imagine Magazine. Crystal is also one of the co-founders of Moms In A Blog.

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Frugal Living 101

Those who know me have many different labels for my spending habits. Some think I’m a “penny pincher,” some think I’m extremely thrifty, and some think I’m just plain cheap.  I call myself a frugal genius. Arriving at this self-proclaimed status has been a journey of about ten years of money management mistakes and successes, and I now consider scrimping and saving as a part time job which pays me as much or as little as I put into it.

Until about a year ago, when my husband took a position that was a considerable decrease in pay for our family, I don’t know that I was really as interested in “frugal living.” I worked full time as a journalist, had a busy lifestyle and didn’t really feel that I had the time to clip coupons, find all the great sales in town or constantly be watching our budget.

Needless to say, that all changed, out of pure necessity.

We needed to cut our budget big time, yet we already didn’t have a whole lot of the extras that we could cut. So I went to the place that I knew I could cut the most out of: my grocery bill. I did a ton of reading, mainly thanks to my local library, including the first frugal living book I ever read,  Frugal Living For Dummies  and I realized that while I was spending on average about $400 a month on groceries for a family of three, there were people out there feeding small families for about $60 a week. I was determined that we would be one of those families.

Just by learning some very basic techniques, which I call  “frugal living 101,” I was able to cut our grocery budget by almost half.  This article is the first in a series I call ”Frugal Living 101.”

And today’s lesson? Today’s lesson is to know the prices in your local area.

In my little town we have three different grocery stores: two locally owned chains and a Super Wal-Mart. And while Super Wal-Mart generally has the better prices on most items, I had never really compared prices at the different stores. I just always bought my groceries at the Super-WalMart. But that all changed when I begn creating a grocery price chart.

You can download a good one from Grocery Pricebook. Now before I go on I must say, this takes a lot of time and work, but it’s worth it.

Start by making a list of all the things that you normally buy, and then make sure to add the things to the list that you only occasionally purchase. You can do this however works best for you, but once I had all the items added to my chart, I photocopied it. Once I had three charts, I assigned each chart to a different store. One week I went to the Miracle Mart and went through the entire store until I had found and had written down the regular price for each item on my list. The next week I went to Mark-It-Foods and the next I went to Super Wal-Mart.

If you have problems with taking your kids to the store, I recommend finding a friend or family member who will watch the kids while you do this, because it is time consuming, especially if you don’t frequent the store enough to know where things are in the aisles. Not to mention, you may feel a little bit ridiculous going through aisle by aisle and scribbling on your chart every two minutes. The first time I did this I had one of the store associates ask me if I needed help finding anything. I said, “No, I’m just writing down all of your prices so I can compare them to the other stores in town.”

I don’t think that was the response he was expecting. 

But once you’re equipped with your trusty price sheet, you are ready for “Step Two: Planning Your Grocery Shopping Trip.”

Happy Budgeting,

Kate

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Written by Kate · Filed Under Frugal Living 

Kate Turnbow is a former journalist turned investigations company owner, freelance writer, blogger and mom. She is a saver and not a spender who is married to a spender. She and her husband, son and little dog reside in the middle of nowhere in North Dakota. She has a passion for living life to the fullest on a seriously small budget. In addition to living frugally, she and her family also live the green lifestyle. She is always looking for new ways to implement completely natural products into their home. Check out her super fun blog at www.fromadesperatehousewife.com.

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Frugal Friday – Saving On Books

A Frugal Friday Column contributed by Susanne of The Hillbilly Housewife.

Since we’re getting close to International Literacy Day on September 8th, I thought I’d talk about a few frugal ways to get books.

photo credit: popofatticus

I love to read and want our daughter to develop a deep love for books as well. Of course that means that I need to have plenty of things for her (and me) to read at all times.
Our first stop each week is to the library. I love the fact that we can get and read all kinds of different books for free. And since we are doing this frugally, we’re taking good care of the books and return them on time to avoid late fees.
But it doesn’t have to stop there. I believe that your child also needs to own books to develop a true appreciation for them.  Sure, you could go out and spend a fortune at a fancy bookstore, but there are also all kinds of frugal ways to get books for yourself and your kids.
Libraries often hold sales once or twice a year and you can find some great bargains there. Look for books in thrift shops, flea markets and at yard sales. Some of our most treasured hard bound books were found there and we’ve often paid less than 25 cents for them.
Check your yellow pages for used book stores in your town. You can often bring in your own used books and sell them to the bookstore for store credit.
If you can’t find the books you want locally, check out ebay and craigslist. I’ve found some great lots of  children’s books there and ended up paying pennies per book.
Last but not least, take a look at freecycle.org. See if anyone is offering free books, and if not, put out a request for them.  You’ll be surprised how many people gladly hand you a box of books.

Susanne Myers shares frugal living and budgeting articles at  The Hillbilly Housewife and on her blog.  She is also author of the Hillbilly Housewife’s Spring Cleaning Guide.  Grab your copy today at http://www.hillbillyhousewife.com/ebooks/springcleaning.htm

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Written by Tracy · Filed Under Frugal Living 

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Frugal Fun – Family Night

A Frugal Friday Column contributed by Susanne of The Hillbilly Housewife.

Today I’d like to share some ideas with you for some frugal family fun.  We do this once a week, usually on a Friday night. Everyone in the family participates and helps put this little impromptu event together.
Start by deciding on a theme.  Here are some things we’ve done in the past that were a lot of fun.
Game Night
Dust off the various board and card games you have. Great places to play are either at the kitchen table or in the living room floor. Instead of cooking dinner, set out some snacks like crackers, cheese and cold cuts as well as some veggies and fruit. Then it’s time to play games and snack in between rounds.
Movie Night
Pick a family friendly movie, pop some popcorn and settle down in front of the TV. We like to get our movies from the library, but there are also some online rental services like Netflix that aren’t too expensive.
Pajama Party
Everyone including Mom and Dad gets dressed in their favorite PJs. Then fix breakfast foods like pancakes, eggs and bacon and the likes for dinner. Afterwards, snuggle up on the couch and read some books together until it’s time to go to sleep.
Camping Trip
You don’t actually have to leave for this one. If you have a tent and a backyard, go camp out there (weather permitting of course), otherwise, just put out some sleeping bags or comforters in the living room and camp out there. Serve hot dogs for dinner and s’mores for dessert.  Turn off the lights and get use a flashlight. Now is a great time to tell some ghost stories.

photo credit: Larsz

Pizza Party
Start by making some pizza dough earlier in the day. Divide it up into individual portions. Get out assorted pizza toppings like cheese, tomato sauce, pepperoni, ham and various veggies. Everyone in the family can help chop them. Next, hand each family member a portion of dough and let them pad it out into a small pizza.

Now the fun begins. Everyone gets to create their very own pizza with their favorite toppings. Bake as usual and enjoy!

Talent Show
Get out a box or a big bag and go through the house collecting anything that would make for some good dress up clothes.  Everybody gets dressed up and is then asked to perform an act in front of the rest of the family. This could be a song, a magic trick, a comedy act or anything else you can come up with. I promise there’ll be lots of laughing and fun.

What are you waiting for? Pick a theme and a date and create some wonderful memories with your family at your very own family fun night.

Susanne Myers shares frugal living and budgeting articles at  The Hillbilly Housewife and on her blog.  She is also author of the Hillbilly Housewife’s Spring Cleaning Guide.  Grab your copy today at http://www.hillbillyhousewife.com/ebooks/springcleaning.htm

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Written by Tracy · Filed Under Frugal Living 

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Frugal Friday: Take Advantage Of Back To School Sales

We’re excited to introduce a new Frugal Friday Column contributed by Susanne of The Hillbilly Housewife.

Back to school sales save us a lot of money on products that we use all year long. With a little planning, you can save money, too.

If you’ve been taking a look at any sales flyer from the various office supply and the large discount stores, you know that now is the time to get great deals on all those back to school items.  Some stores offer buy one get two or more free, others lure you in with office supplies for a penny.

Here are some items that we stock up on.

1. Arts and Crafts: My daughter loves to paint, color and make little story books out of various notebooks or sheets of paper stapled together. We also stock up on crafting supplies like crayons, construction paper and glue.

2. Household Organization: I keep several notebooks around to makelists, weekly menus and just to jot down things I need to remember. I also keep a large three ring binder with various inserts as my household or homemaking book.

3. Storage and Organization: I also like to pick up a few extra sandwich boxes this time of the year. You can usually find them right next to the lunch boxes. They are small plastic containers that are perfect forholding small office supplies and also make great marker and crayon boxes for the kids.

4. Office Supplies: (printer paper, fax, pens, staples, etc.) You can get deals on anything from notebooks to pens, markers and binders.

Add all that up and throughout the year we use up quite a bit of school and office supplies.

Take a look at some of those ads and think about what you could actually use throughout the year. Then stock up on them now. The notebooks that will usually cost you a dollar or more are yours for 10 cents this time of the year.

Set aside a cabinet, a drawer or a storage bin to store all these extra supplies until you need them.

Susanne Meyers shares frugal living and budgeting articles at  The Hillbilly Housewife and on her blog.  She is also author of the Hillbilly Housewife’s Spring Cleaning Guide.  Grab your copy today at http://www.hillbillyhousewife.com/ebooks/springcleaning.htm

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Written by Tracy · Filed Under Frugal Living 

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Start ‘Em Early

How to Teach Kids to Save Money

It is never too early to introduce your children to money. They need to know the proper way to receive, spend, and save money. Start today and teach your kids the value of a dollar.

Parents need to agree on how to handle the issue of money in the household. Kids learn from watching their parents. If there are money issues in the home, include the children in the discussions for learning purposes. If you are fighting constantly about debt, we recommend that you get credit counseling or financial help so you won’t pass the issues onto your children.

There are several ways that kids may receive money. On birthdays and holidays like Christmas, money is given as a gift. Teach your child that money is valued by always helping them to write and send “thank you” cards for every gift of money received – or make a “thank you” phone call. This will not only teach that a gift of money is to be appreciated, it also teaches respect.

As kids get older, parents may opt for an allowance. The exact age when an allowance should be given is up to the individual parent, of course. Parents may enforce rules pertaining to how the allowance is spent, or issue it as “fun money”.

Become discerning about purchases made for children. If they don’t need a new toy or you can’t afford it, explain this to them. There is no endless fountain of money—they must learn to save in order to buy.

When a child is old enough to understand that money is needed to purchase items from the store, you are safe to teach them about saving money. Children that are learning how to count money in school will find it fascinating to count real money at home. Take the time to show your kids each monetary unit, coins and bills.

The next step is to explain how to accumulate money. Ask your kids what they would buy if they could. Ask your child how much money they currently have. Your child should be old enough to add and subtract so that they can do the math to find out how much money they still need to be able to purchase the item.

As parents, we need to stick to our guns. Don’t give in and supplement your child’s earned money with your own so that they can buy their item of choice. Providing a cushion sends the wrong message.

Teach your children how to manage money as soon as they are able to understand the concept. Learning to save will establish a healthy respect for money in your child’s mind.

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Written by Tracy · Filed Under Frugal Living 

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