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Frugal Living

Teach Your Kids About Money

March 4, 2015 by 5 Comments

Teach your kids about money

Here’s a real life example of a great way to teach your kids about money.

I was on welfare for a while when my kids were younger. Of course, getting only one check per month made the lack of cash flow more obvious. One day, when I said we couldn’t afford something, they asked, “Why not – you just got that big check?!”

So, I sat them down and wrote the numbers down side by side. I wrote how much the check was on one side and how much I had to pay to others on the other side. I subtracted as I went and they saw the “big” check going down faster than they realized.

They never bugged me after that quite like they had before. I derived the idea from a different idea about how to show kids the realities of cost and the dreams they have about sports cars, big houses, etc. I just adapted it for my situation. I know most parents don’t really want to tell their salaries, but sometimes it can help kids to understand when things are tight.

      -Wendy

 

This is a great idea. I have never understood why parents won’t tell their kids their incomes and let the kids sit down with them while they are paying the bills. This is probably one the best things you could ever do with your kids.

      -Tawra

 

Not only that, but it teaches and gives children a better idea how to use a checkbook, balance a checkbook, be responsible with credits cards and generally make better financial decisions. I am so surprised about how many adults don’t have a clue where to begin teaching their children any of these things. Once again, it shows how important it is to train your children in every area, including finances.

      -Jill

 

Photo By: Betsssssy

Filed Under: Budgeting, Saving Money Tagged With: Budgeting, cheap living, debt free living, Frugal Living, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Creamy Fajitas And Apple Plum Crisp Recipes

January 15, 2015 by 20 Comments

Creamy Fajitas And Apple Plum Crisp Recipes

Try this creamy fajitas recipe, fajitas with a twist, along with a delicious apple plum crisp recipe and more to round out this easy and delicious menu! [Read more…] about Creamy Fajitas And Apple Plum Crisp Recipes

Filed Under: Cooking Ideas And Tips, Leftovers, Recipes, Saving Money Tagged With: Budgeting, cheap living, cooking, debt free living, Frugal Living, frugal saving money, homemaking blogs, homemaking ideas, homemaking tips, Leftovers, money saving tips, recipe, Recipes, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Fresh Christmas Tree Care

November 28, 2014 by 10 Comments

 

Fresh Christmas Tree Care

If you are buying a fresh tree this year, remember it needs to be watered and watered A LOT. You don’t have to buy special tree extender stuff or food. Just water it and water it.

In our area I have noticed that most real trees go on sale December 15th, so if you don’t need to have one early you might consider waiting until then.

Also I know we so often think bigger is better but be sure you get a tree that will fit into your house. This seems like an obvious thing but I once sold a nine foot tree to a lady. I kept asking her if she was sure it would fit into her house because, at that time, most people had 8 foot ceilings, but she insisted it would work. A week later she came back and wanted her money back because she couldn’t fit the tree into her living room.

Jill

Your advice on keeping a fresh Christmas tree watered reminded me of a tip I got from the lady we buy our real tree from. She always told us that when we got the tree home, to cut approximately a 1/4″ to a 1/2″ off of the bottom of the trunk. This will give you a new fresh end for the tree to “drink” from. Also, drill a small diameter hole (3/8″ to 1/2″) from the bottom of the trunk up into the center. This will insure that water will get deep inside the trunk as well. We do it every year and it works great!! From: Dave V.

photo by: chippenziedeutch

Filed Under: Christmas Recipes And Ideas, Holidays, Saving Money Tagged With: Add new tag, Budgeting, cheap living, debt free living, Frugal Living, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Save Money Dyeing Clothes and Fabrics

September 17, 2014 by 43 Comments

Dyeing Clothes and Fabrics

Save Money Dyeing Clothes and Fabrics

I was checking out at Jo Ann Fabrics today. The woman in line with me looked at the box of dye I was holding and asked what is that and what do you use it for? I have talked about dye before but thought maybe some of our new readers need me to mention it again. I forget that many people don’t have a clue on how to use dye or even that the average person can use it. It is one of those things that is thought of as having strange magical powers and if you aren’t careful it might explode or, even worse, change your favorite red top to purple.

Believe it or not, years ago when I was growing up the average home had a small collection of several different colors of dyes on the pantry shelf. It was used all of the time. In those days, people were more of the mind that you don’t throw anything out, so to make those red towels look nice in your purple bathroom, you would dye them to match. You wouldn’t dream of getting rid of them and buying more just to make everything match.

Now, if a pair of pants fade we just toss them or wear them faded. But it really doesn’t need to be that way. I bought myself a box of denim blue dye. I have 2 pairs of shorts and 2 pairs of jeans which are in perfect condition. They are just badly faded. I will dye them together with some faded navy socks and they will look like new. The next time I go, I will get a box of black dye and dye my black jeans, t-shirts and socks.

I figure if I can’t wear the item except around the house anyway what do I have to lose if I ruin it? …although it really is hard to ruin anything.

I also use dye with my fabric. If I have some really ugly fabric, I just toss it in with a color of dye or tea dye and usually come up with something really great.

If you need three yards of orange or green fabric for a Halloween costume but you only have three yards of white muslin, cream fabric or even an old sheet, just dye them orange and then make your costume. The dye is much cheaper than buying new fabric.

If you have some ugly brown fabric but need a black cape, dye the brown fabric black. Maybe you already have a brown cape but need a black one. Just dye the cape, dress or whatever you are using for a costume the color you need.

Dye is so easy to use. I would start simply so you can get used to working with the dye. You might try dyeing something like black socks and t-shirts, which you would probably throw out anyway because they are faded.

Dye comes in liquid or powder form and they both work fine. I like them both equally as well. Follow the instructions on the package, which usually say to dissolve the dye, dump it in the machine with some salt, wash and dry. It is about as easy as doing a load of laundry. You can also hand dye things if you don’t have a machine.

If you are throwing those pants away because they are faded, try dyeing them and see what happens. Dye isn’t expensive. I use my Jo Ann Fabrics coupon and get it half price for about $1.25. You can get it at Wal-Mart and even some dollar stores or grocery stores.

      -Jill

Note: You can also mix the dye in a cup or two of water (depending on how dark you want it) and use it as a stain for wood things, like furniture. You don’t need to mix the liquid to use as a stain.

 

Filed Under: Featured, Laundry, Saving Money Tagged With: cheap living, Frugal Living, homemaking, money saving tips

Breakfast Biscuits

August 9, 2014 by 6 Comments

 

Homemade Breakfast Biscuits

From: Linda

I loved your breakfast menu tips. I had forgotten that I used to make breakfast sandwiches.

Whenever I made baking powder biscuits (for chicken & biscuits, shortcake, etc.) I made a double batch.  I fried an egg for each one, added a slice of cheese, wrapped them in plastic wrap and froze each individually. We zapped them in the microwave l or 2 minutes right out of the freezer (can’t remember how long exactly).

Thanks for reminding me of a quick tasty breakfast. Don’t know why I’ve forgotten about making them!

 

We often think of making double batches of casseroles and things for dinner but I thought it was a great idea to make a double batch for breakfast which is something we don’t often think about. 

Check out your menus and see what can be doubled and used for breakfast the next day. Here are a couple of my ideas:

Take your biscuits and use peanut butter and bananas for breakfast or lunch for the kids. Add jelly and a couple of slices of bacon or a sausage patty.

Don’t forget pancakes. Put peanut butter with maybe some bananas roll them up for a tasty snack or lunch.

I use the Ninety Minute Roll recipe in the Dining on a Dime Cookbook. It makes 1 dozen dinner rolls but I double it (everything but the yeast) and use half for dinner rolls. I quickly roll out the other half, spread with margarine and sugar and cinnamon, roll and cut and I have cinnamon rolls all ready to warm for breakfast the next morning. 

When I make rice, I always make extra. I leave it in the pan I made it in. Then I pour just enough milk on it to cover the rice and let it sit in the fridge overnight. In the morning, I just heat it up and add sugar and cinnamon for a nice hot cereal.

-Jill

 

photo by: mastermaq

 

Filed Under: Cooking Ideas And Tips, Meal Planning, Quick And Easy, Save Money On Groceries Tagged With: Add new tag, biscuits, Frugal Living, Homemade

Wise Stewards of Your Money

December 20, 2013 by 8 Comments

Be Wise Stewards of Your Money

From: Stephanie

“Because we think we have to give our kids everything they want … we are losing everything we have.”

Stephanie made this comment on our blog. Boy did she put it all in a nutshell. This is true for the parents too because we think we deserve everything we want… Meanwhile, we are losing everything we have. Be careful– God has given most of us a certain amount of money and, in some cases, children and He wants us to use that money wisely for the care of those children and in ways that glorify and honor Him.

      -Jill

 

photo by: tracy_olson

Filed Under: Christmas Recipes And Ideas, Holidays, Saving Money Tagged With: Budgeting, cheap living, debt free living, Frugal Living, saving money

Christmas Tree Alternatives

November 23, 2013 by 27 Comments

 

Christmas Tree Alternatives

From: Kimberly

Hi Ladies!

I just wanted to share with you our “Christmas Bushes” this year… We have a little 4ft. tall pre-lit tree, but thought we wanted to get a regular tree too- for the smell and the experience for our 4 year old. When we got to our local store, the least expensive tree was $20, and it was 4 ft. tall!! So, Hubby and I decided to save our money, and keep using out little tree. We even had a sweet lady stop us and ask us if we couldn’t afford a tree- she offered to buy one for us! We thanked her and just explained that we were watching our pennies.

As we were leaving I noticed the huge trash pile of trimmings and branches near the exit, (we were at Target, BTW) and, when I asked, the employee said I could have as many cut branches as I would like! I grabbed a bunch (people were looking at me funny, I had so many!) and brought them home. I trimmed them up, tied them together and put them into 2 metal buckets full of water, on either side of my little tree. I wrapped a ribbon around the buckets and we decorated them.

They look so pretty! The best part about it all was how excited our son was to decorate- He didn’t care that we didn’t have an 8 ft. tall tree! I have gotten so many compliments that I think we might have started a new family tradition!

Thank you for your website, it is the first place I go when I get online! Merry Christmas!

 

One year, when I was 10 years old, I noticed my great-grandparents didn’t have a Christmas tree. (They were in their late 80’s and didn’t do decorations any more.) I was so upset that they didn’t have one that I went out and got a tumbleweed, stuck it in a bucket with some sand and decorated it for them. We lived in Southeastern Colorado at the time and there weren’t any trees to cut down so I had to make due with what we had. It was the funniest Christmas tree around but I sure did put a lot of thought into it. 🙂 The point is that even if you don’t have any money, find some way to celebrate!!

Tawra

 

I couldn’t afford a real tree most of my life but, like many others, I love the smell. I started going to places where they sell trees and asking for the “scraps” on the ground. I bring them home and use them by laying them all over just for decoration and a little greenery. Not only does the house smell great but that little bit of greenery changes the whole look of the room.

       -Jill

 

Filed Under: Christmas Recipes And Ideas, Holidays, Saving Money Tagged With: Frugal Living

Holiday Cleaning – Preparing Now For The Holidays

November 5, 2013 by 33 Comments

Holiday Cleaning - Preparing Now For The Holidays

Holiday Cleaning – Preparing Now For The Holidays

Halloween is over, which means it is now officially time to kick it into gear to get ready for the holidays and to get your house ready for company. It really helps to get your house in order now because if unexpected company comes you won’t get caught off guard. Then you can concentrate on baking, finding gifts and organizing activities without having to worry about deep cleaning your house again until after the New Year.

Hopefully by now you have been inspired to start getting things done a little at a time so this won’t be too big of a job. Here are a few things to work on:

  • Get your closets in order. Put summer clothes away and take winter clothes out, tossing as you go.
  • Don’t forget your linen closets. Get your guest towels, sheets and extra blankets aired out and put the linens in a handy spot so they are easy to grab when you need them.
  • If you have a guest room, get it cleaned and prepare everything for your first guests.
  • Get your holiday linens prepared. Wash them if necessary and make sure they’re ready to go.
  • Hopefully you have cleaned your pantry. Now you need to make sure it is stocked with everything you need for your holiday recipes, for some quick and easy to fix snacks and dinners for unexpected company or food to take to social events.
  • Make sure your fridge and freezer are in order. The refrigerator and freezer are going to work overtime for you over the next couple of months so make sure they’re cleaned, organized and prepared.
  • I don’t worry about cleaning my oven at this time. I use it so much for baking that it’s silly for me to clean it right before having a baking fest. I usually wait and give it a good cleaning after the holidays. If it’s really bad or you have company coming and it looks awful you may want to go ahead and clean it anyway.
  • This week and next week is the time to do any deep cleaning that you don’t want to have to mess with again until after the holidays– things like washing your windows, deep cleaning rugs and carpets and dusting mirrors, picture frames, lampshades or ceiling fans.

 

If you have been keeping up with your cleaning you may not have to do any of these. Basically just clean your house enough for company. Then you’ll know it’s done and you will be prepared for the unexpected.

Part of the stress that comes at the holidays is the result of not being prepared, especially for the unexpected things that always seem to come up. Think of it like being prepared for a disaster. If I have a wood burning stove, firewood, lots of candles, blankets and food prepared, I am not too stressed if we lose power from an ice storm. If I wasn’t at all prepared, I would be in a total panic if an ice storm hit.

If you are prepared, you have something you can whip up for company in just a few minutes or if the kids need treats for school, you have dough frozen and ready to be baked in the freezer. I’m not saying that I have everything prepared like Martha Stewart but I do try to have everything together enough so that I’m reasonably prepared for the unexpected. My idea of the perfect woman is a cross between Martha Stewart and Erma Bombeck! Some days I am more one than the other and on other days I totally miss the mark, but that’s okay, because I tried. 🙂

      -Jill

For more easy cleaning and organizing tips, check out our How To Organize And Clean Your Home e-books.

 

Filed Under: Cleaning, Holidays, Laundry, Saving Money Tagged With: Chores, Cleaning, Frugal Living, homemaking, homemaking tips, simple living

Dressing up Pumpkins

October 9, 2013 by 3 Comments

creatively decorated pumpkins

I just finished putting up my decorations. I had several “ho hum” Jack O’ Lanterns with lights in them. They really needed a boost. I spied some masks which go across your eyes with feathers and sequins decorating them. I probably wouldn’t be wearing them this year, so I popped them on to the Jack O’ Lanterns. My pumpkins instantly went from plain and boring to hilarious.

They looked so funny with their cock-eyed grins under the fancy masks. You could even add funny little hats and things like that then make an arrangement of several of them. If you have older kids who love “gross” things,  arrange some plastic spiders crawling in and out of the pumpkins mouths or slime running down one side of its mouth.

 

Hot glue straw on one of their heads for hair, add a wig or add false eyelashes. The sky is the limit.

I usually make mine a little fancier then the pictures below. This was one of those “hurry up” things I just slapped together so you could get a general idea.

Jill

halloween decorations - creative pumpkinshallween decorations - creative pumpkins

Filed Under: Decorating Tagged With: decorating on a budget, Frugal Living, saving money

Time and Money Saving Tips and Ideas

July 26, 2013 by 22 Comments

Time and Money Saving Tips and Ideas

Here is an odd collection of tips that you might find useful:

This morning I went to buy eggs. I usually try to get them on sale but couldn’t find any. Since I needed the eggs right then, I had no choice but to pay full price, so I bought a carton of medium eggs.

Sometimes we automatically buy the large eggs (we do that with so many things) thinking that they are the best but for my purpose (baking), the medium eggs worked just fine and they were cheaper.

If you are having trouble with a recipe being extra sticky or not quite right in some other way, you might change your egg size and see if that helps.

Another thing I did this morning was hang my clothes out. After writing an e-book about laundry and how to hang clothes on the line I didn’t think I had missed anything. As I was hanging some T-shirts on the clothesline, I noticed that one of them was sagging in the middle, so I pinned it on the line and I re did it. You need to hang the items taut on the line, not stretched too tight but not sagging. This helps get rid of much of the wrinkling that some of us experience. Sometimes we tend to let our clothes sag in the middle to give us more clothesline space but don’t do this. It’ll only make more work for you.

Here are some more useful miscellaneous ideas:

  • If you lose the plug for your bathtub, use a golf ball. If it happens to get dislodged, it just rolls right back into place.
  • Rub hair conditioner on your shower curtain rod to make your shower curtain slide more smoothly.
  • Wipe up those spills. I know I sound like a parrot but if you spill something on your stove top, clean it right away. If you turn on a burner or  your oven, the mess bakes and hardens on the stove. I recently heard about a new way of doing finger nail polish and guess what they use to make it harden and stick more firmly? -Heat. The same principle works with your stove, so don’t wait to wipe up the mess.

I hope some of these ideas help make your day go more “smoothly”. : ) Have a super day everyone!

      -Jill

Photo By: Brenda Gottsabend

Filed Under: Cooking Ideas And Tips, Laundry, Save Money On Groceries, Saving Money Tagged With: Budgeting, budgets Homemaking simple living, cheap living, debt free living, frugal cooking, Frugal Living, Frugal Living simple living, frugal recipes, homemaking, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, saving money, saving money on groceries, tightwad, tightwad gazette, ways to save money

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