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saving money

Frijoles a la charra

March 6, 2015 by 6 Comments

pinto bean burrito recipe

Frijoles a la charra

From Lindsey F.

Heat 6 cans of pinto beans with half a can of water over medium high heat, until hot. (It’s ok if it boils.) Add a sprinkle of dried cilantro and a can of tomatoes with green chilies.  Stir and serve with tortillas or corn bread.

 

If I was a bean eater I would try this because it sounds so good and easy. Super inexpensive too. I will definitely give this to my daughter-in-law who loves beans.

      -Jill

 

Photo By: Jason Lam

Filed Under: Cooking Ideas And Tips, Save Money On Groceries, Saving Money Tagged With: frugal cooking, frugal recipes, saving money, saving money on groceries

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

Hash Brown Bake

February 27, 2015 by 29 Comments

Delicious Hash Brown Bake

This recipe is a great quick and easy way to use leftovers! You can add fried sausage, crumbled bacon or diced ham to this recipe and use it for breakfast. If you have leftover hamburger, toss it or some veggies in for dinner.

Years ago, one of the mainstays of people’s diets was hash, which is all the leftovers from the previous day thrown together with some finely diced or grated potatoes and fried in a pan. I wonder if that is why they are called “hash” browns because it was what everyone used for hash?

      -Jill

 

Hash Brown Bake

2 lbs. frozen hash browns (slightly thawed)
1/2 cup melted butter
1/2 tsp. salt
1/4 tsp. pepper
1/2 cup chopped onion
1 can cream of chicken or celery soup
8 oz. sour cream
2 cups shredded Cheddar cheese
3/4 cup crushed potato chips

Combine all except 1/2 cup cheese and potato chips. Place in a 9×13 baking dish. Cover with remaining cheese and potato chips. Bake for 1 1/4 hours at 350°.

For more money saving recipes and tips, check out the Dining On A Dime Cookbook.

photo by:  lindstorm

Filed Under: Cooking Ideas And Tips, Kids Recipes, Leftovers, Recipes, Save Money On Groceries, Saving Money Tagged With: Add new tag, frugal cooking, frugal recipes, money saving tips, saving money, saving money on groceries

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

8 Cloth Diapers Tips For Newbies

April 11, 2014 by 49 Comments

8 Cloth Diapers Tips For Newbies

8 Cloth Diapers Tips For Newbies

If you are considering cloth diapers, here is my story. Among other things, I will explain how I wash my cloth diapers and how many you need to start. Many people have many different motives for using cloth diapers, but my motivation is purely to save money. I do use disposable diapers for traveling because it is more difficult to store dirty diapers when I’m not at home.

I love my cloth diapers! I LOVE THEM!!!! My husband doesn’t even mind using them. We found that they are not really any more difficult to use than disposables, except that we have to do more laundry. We also found that our children had much less trouble with diaper rash when in cloth rather than disposable. For a while, I had two children in cloth but now my son is potty trained. My daughter is starting to potty train so soon I won’t have any in diapers.

You don’t need many to start. You can start with one dozen and just wash everyday. Two dozen does make life easier. I buy the good quality pre-folded diapers and strongly recommend that you do too. They are called Diaper Service Quality pre-folded diapers. They are great, wear well and last a long time! I think I paid $23.00 for one dozen. (I returned some disposable diapers that we received as a gift and used the money to buy the cloth.) I have about 5 dozen now but I got most of them for free (as gifts or from people who no longer needed theirs). I only purchased 1 dozen of the DSQ from a mail order place on the Net. They are out of business now but you can find them other places. Also look on E-bay. They often have them too.

One thing that makes my cloth diaper experience different from the horror stories your grandparents tell is that I use diaper liners. They are fast, cheap (about $3.50 per box) and easy. I cut them in half and use 1 for each diaper. One box of liners lasts me almost 1 year.

I use good diaper pins that I purchased from the diaper seller and I stick the pins into a bar of soap or beeswax when not in use so they pierce the diapers easier. (With good pins, I only poked the kids 3 times in 3 years. Mike never poked them at all!)

I use plastic pants that button up on the sides. I also purchased those mail order. I use the Alexis brand. They last MUCH and I do mean MUCH longer than the Gerber plastic pants you purchase at Wal-Mart or K-mart. I have about 5 pairs of each size. I don’t use clean plastic pants every time I change a diaper. If the plastic pants are only wet, I put them right back on. There is not usually enough to make the diaper wet and the plastic pants generally aren’t wet on the outside either.

I made 2 diaper pail liners out of rain ponchos by sewing up the sides. I put those in a kitchen trash can with a lid that closes. I just throw the wet diapers and liners into the pail with nothing in it. I don’t soak my diapers. I dump the poop and the liners in the toilet. (Much easier than grandma’s method!) I reuse the liners that were only wet after they are washed and dried with the diapers. They wash well so I get several uses out of them which saves even more. I don’t dunk the diapers in the toilet unless they are REALLY bad. I have done it maybe 5 times in almost 3 years with 2 kids. In order to avoid directly handling the soiled diapers, I put the opening of the diaper pail bag into the open washer, then turn the bag inside out to empty the diapers into the washer. I throw the entire bag into the washer inside out to wash with the diapers.

Instead of using disposable wipes, I use small rag wash cloths (old wash cloths cut in half). They have more traction and do a better job of cleaning than disposable wipes. Where I use one wash cloth, I might have to use four or five of the disposable wipes. I do still use disposable wipes for traveling, but I save a lot by not using them every day.

I wash diapers about every two or three days. Washing this frequently really keeps them from smelling. (Unlike wine, diapers do NOT improve with age! 😉 )Every time I wash, I wash with vinegar and detergent. The vinegar works wonders removing the urine smell and also keeps the house from stinking while I do laundry. I put diapers through the rinse cycle twice. Then I dry them on the line or dryer depending on the time of year. (Diapers last much longer when dried on a clothes line and the sun helps keep then white. They wear out much faster if you always use the dryer.) I use bleach about every 1 or 2 weeks to keep them white in the winter when I can’t line-dry them.

If I were to buy disposables I would spend about $350 a year per child for diapers, wipes and extra trash bags. (Many people have said they use double that at least.) I only spent about $50 for the trash can, rain ponchos and plastic pants and $23.00 for one dozen diapers. I spend about .50 a load to wash them. (approximately $65 per year. This didn’t change when I had two in cloth vs. one in cloth.) With one child in diapers for 2 1/2 years and one for 2 years I saved over $855 in the 3 years that my kids were in diapers.

That’s it. It’s so easy and so cheap that I would rather spend that money on something else!

-Tawra

 

Jill from Michigan asks:

“Tawra – I read your information of cloth diapering and I’m wondering how much vinegar you wash them with and do you use special laundry soap?”

Tawra: I put in about 1/2 – 1 cup in and don’t use a special detergent.

I had 2 children the first one did fine in cloth diapers but the second one had diaper rash really bad and I had to switch over to disposable. I say this so that you don’t think there is something wrong if the cloth diapers don’t work for you . Each one is different.

Jill

 

What No more Cloth Diapers?

Ok, you guys caught me!

After my post on Disposable Diapers I got an email saying “I thought you used cloth diapers?” Well, I did with my first two and had no problem with them even like them because if I ran out it wasn’t a big deal to go to the store, just throw them in the washer. Plus we lived in Idaho at the time and couldn’t “just run to the store” because it was 60 miles away.

Well with David, #3, we have used all disposables. Here is why. After he was born he literally cried his entire first year. I am not exaggerating when I say the ENTIRE first year with no reprieve. My mom was living with us for the first 4 months and between Mom, Mike and I were all about to go insane, me more than the others. I got post partume (sp) depression really bad and the doctor could not find a medication to help, it just made me worse. I felt like I was loosing my mind and if a Mack truck would have hit me head on while I was driving I could have cared less.

To make matters worse because we weren’t sleeping my CFS was so bad I literally could hardly stand up. Then we had just moved into this bi-level house and going up and down the stairs over 100 times a day (I kid you not!) it was making so sick I thought I would die! In case you don’t know exercise makes CFS flare up, ie. get worse.

My two oldest were 4 and 5 at the time and still wetting the bed almost every night. It was all I could do to keep up with the laundry and attempt to just keep things picked up (sort of) and some sort of dinner on the table, which was mostly really fast stuff like sloppy joes, tacos, frozen pizza. etc. About once a week Mike would bring home Chinese food from the grocery store ($5 for two) and him and I would share that, give the kids the rice and fill it in with cereal or pb&j. We used paper plates several days a week and everyday for lunch. ($3 a month). Mike was also working 50-60 hours a week between 2 jobs and helping with our book business, which we don’t get an income from yet. He was also helping out with the housework because I couldn’t keep up.

We were going to some sort of doctor every 3 days trying to figure out what was wrong with David. Then to try and get me straightened out mentally and physical therapy for me because my bladder so was weak from 3 kids I was going to the bathroom every 15 minutes. Then 2 months after that I fell down the stairs and had to go to PT to help get my back, back in shape. We went 120 times the first year of David’s life to some sort of doctor.

Our primary doctor kept saying that David “just had colic” We finally figured out at 4 months old that he was allergic to milk and eggs. That explains why he just quit breastfeeding one day at 5 weeks old. I was eating a lot of milk and eggs. Well, after that he went on formula that cost $250 a month. It helped some but not a lot. At 9 months we took him back to the allergist because I knew despite what the doctors said colic doesn’t last 9 months! Well, the formula he was on still had milk in it! The allergist told us to put him on Alsoy, which was only $40 a month! The other doc said “oh, well I thought it would be fine since it was pre-digested milk”. I have never had the urge to just haul off and punch someone before in my life like I did when he made that comment. Needless to say I figure out what’s wrong with us first by researching the internet before I go to the doctor now. They really don’t have much of a clue, it’s just a guessing game.

That helped some David but then he started to have allergies to outdoor pollens because it was April.

At 14 months he started doing better after he was off the formula but I wasn’t. For the last nine months we haven’t gone 2 days in a row without someone being sick. To say I was on the verge of death from exhaustion and CFS is an understatement. Around Christmas last year (2004) I finally found a medication that worked for the depression and I am finally feeling like a normal person again. I have also gone off of sugar, mostly, and that has helped my CFS greatly. I notice that when I have a binge week of sugar it makes me really really sick and almost in bed again.

Anyway, that is long version of why we have used disposables for David. My sanity could not handle two more loads of laundry a week if my life depended on it!

Do I believe in cloth, yes! But I also know that everything in moderation is the only way to go and if circumstances are such that you need to use them, then by all means do!

Tawra

Filed Under: Featured, Kids Tagged With: Kids, saving money, Saving Money Everyday, Staying Home

Time Saving Kitchen Tips

February 18, 2014 by 7 Comments

10 Tips To Save In The Kitchen

Most of us have enough going on in life that we don’t want to spend a lot of extra time in the kitchen. There are lots of easy little changes you can make to your routine that will help you save a lot of time so you can have more time for your family and the other priorities in your life. Here are some easy kitchen tips from our Groceries On A Dime e-books to get you started.

 

  1. Make simple meals. One-dish meals can contain your meat, your vegetable and your bread.
  2. Things to do the night before:
    • Plan your meals.
    • Put things in the refrigerator to defrost.
    • Pack lunches.
    • Set the table for breakfast. Prepare breakfast foods the night before. For pancakes, mix dry ingredients the previous night. In the morning, add wet ingredients and cook.

 

  1. Cook Once, Cook Big:
    • Make large batches of beans and store in 1- or 2-cup portions.
    • Make large batches of granola and store in an airtight container. If used for lunches or snacks, divide into single-serving plastic bags or containers.
    • Brown a large portion of ground beef and store in 1-cup portions. You can also do this with roast, pork and round steak.
    • Cut up extra ingredients for another meal when using onions, green peppers, etc.
    • Cook double batches of rice or pasta to be reheated later in the week.
  2. Buy staples that you use often in quantity.
  3. Make double or triple the amount when you prepare main dishes. Freeze. Label with the name of the dish and cooking instructions. Later when you are too busy to cook, put in the crockpot on low or set the timer for the oven to start dinner before you get home.

 

  1. Place all pre-made meals in one part of the freezer. That way your husband and kids can easily find the meals when you aren’t at home.
  2. Try exchanging meals with another family. Cook double the amount and take half over to them. Later, they cook double and bring it to you. That is one less night you have to cook and it brings variety to your menu.
  3. Have family members help. There is no reason why the kids can’t help out with the cleaning, including dishes and other chores, so that you have time to prepare meals. Have everyone remove his or her own dirty place setting from table and put away 4 or 5 additional items. The table will be cleared quickly using this method. Wash your dishes right away. If you don’t let them sit, the food will not get stuck on them. This will save you a lot of time because you won’t have to do extra work trying to scrape food off the dishes when you’re cleaning the kitchen before the next meal.
  4. When unloading the dishwasher, set the table for the next meal.
  5. Put away containers and clean up as you cook.

[dining]

 

 

Filed Under: Featured, Quick And Easy, Reader's Favorites, Save Money On Groceries Tagged With: Menus, Save On Food, saving money

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

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

Save Money On Your Water Bill Doing Dishes

March 15, 2013 by 19 Comments

 

Don’t Rinse Money Down the Drain

At an average of 120.00/month, our water bill is our most expensive utility (due to private ownership of the local water company, no regulatory oversight, etc.). One way I save money is to use all of the frugal settings on my dishwasher. I use the water miser, the light wash, and of course, the air dry settings (to save on electricity). All of my savings were going “down the drain”, however, when my 15 year old daughter loaded the dishwasher. She was running the water the entire time she rinsed the dishes, even though I told her how to do it a different, more frugal way. So, I assigned other chores to her and now do the dishes myself. I am happier that it gets done my way and it also saves on our water bill.

      -Sharon Y.

 

[Read more…] about Save Money On Your Water Bill Doing Dishes

Filed Under: 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, utilites, ways to save money

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