Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Homeschooling from your bookshelves? It's possible come see how!.

Time to get ready for the new school year!!! Unless you school year round like us.
Well I'm all for frugal!
Most of us homeschoolers have enough materials on hand to educate a small army...lol.
This summer go through your bookshelves and make 3 piles:

THROW AWAY
KEEP
SELL/GIVEAWAY

Throw Away Pile: The first pile is just plain old junk, stuff that is used up, scribbled on, torn up etc. Get RID OF IT!! Including that workbook you bought on Ebay that smells like nasty musty YUCK!!

Keep Pile: This is stuff that you can use, organize it by subject, I like to buy magazine holders from the Dollar Tree or use cereal boxes with the top and side cut out and some cute wrapping paper to cover them. They are very durable if you put some clear packing tape on the bottoms. Use these for booklets, workbooks and things like that. Put subjects on them and on free days or Mom is sick days, tell our son to go and pick out an activity and spend an hour working on it. It makes learning fun because he can pick what he wants to do. Jot down what you have and later on in the summer when you really start planning out the coming school year you can see what you have to work with.


The sell/giveaway/trade pile is for stuff that is still usable, but you don't need it anymore or it did not work for your child. I have gathered up enough stuff to sell that I was able to buy some new goodies at the homeschool convention that I might not have otherwise been able to afford. The giveaway items are things that are still in usable condition that you can bless another homeschool family with. PaperBackSwap is another great way to get rid of books you no longer need. Check them out to see how they work. Or read my blog post on how it works.

By looking through what you have, you can make a plan of action for your coming school year. I am betting that everyone has at least 1 full subject that they can teach this next school year without having to buy a thing. Take some time and get digging around, see what you can find to
THROW AWAY
KEEP
SELL/GIVEAWAY

Post on here to let us know what you find!
Moe

Molly Crew REVIEW of Christi the Coupon Coach: Couponing Made Simple

All right thrifty coupon Mamma’s have I got a review for you! Christi The Coupon Coach Couponing Made Simple comes in an Ebook for just $4.99 or the paperback version for $18.00.
 

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Since I’ve been down and out physically since Sept 2012 our grocery and household items budget has just been blown out of control. With my son and husband running into stores here and there for things it’s cost us a lot. Normally I drive an hour once per month and do all our major shopping in the big city. It’s much cheaper than shopping at a Mom and Pop grocery store. I was excited when we were given the opportunity to review the Christi The Coupon Coach book. Our son was the first one to read Christi The Coupon Coach. Right away he began going through my coupon stash to see what we could use and how we could use them to get the best deals. I used this book as part of our business math/home economics course study for high school, I think it would work for junior high aged also.

My first thought was Extreme Couponing, we don’t have nearly the coupons available to us in the middle of the woods…lol. We are just happy to just get a few of the Black Friday sale flyers in the Sunday paper before Thanksgiving. Since we live so far away from civilization they don’t include all the fancy stores. I have found a small gold mine for coupons though on rare occasion, our public library (in another town far far away...lol) has a small box at the front of the library that people can exchange coupons. I always check that baby when we are in town. I have also bought coupons from auction sites and just paid shipping. I have even spent time calling the allergy friendly companies asking for coupons (most will say DO NOT DOUBLE on them). I also belong to a coupon train (HI Cathy!!) (BTW ladies on that train who are reading this I will mail it out this week…lol). Here is a link to Christi's favorite websites for great coupon match websites to help you along in your quest for savings.

I liked the larger size of the font that she used in Christi The Coupon Coach. These homeschool Momma eyes are getting bad! LOL. I was able to sit down and read the book in about 2 hours (along with taking some notes). It’s a very fast read, not boring at all. Our son read it in about an hour, he loves coupons and is always on the hunt for fast food & Lego coupons.

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My coupon file BEFORE reading Christi The Coupon Coach book.

I liked how she had a gluten free section and organic foods section since so many families are eating this way either by choice or due to allergies. That section was a blessing for our family since I am gluten free. I was elated with the information that Christi The Coupon Coach included about thrift stores and yard sales! I so did not expect this information to be in the book. We do have lots of yard sales and thrift stores near us. But as far as grocery store deals like stacking coupons (not allowed here), printed Internet coupons (not allowed here). Here is a link to Christi's favorite websites.

The book was very easy to follow along and was layed out out very well. I like how she guides you through the process, she truly is a Coupon Coach! I would give you more details, but you need to high tail it over to Amazon.com right now and buy a copy of Christi The Coupon Coach or get the Ebook to read on the go. (I’ve got an Amazon link right here on my site). The book as 132 pages long, but if you are not a big reader don’t let that scare you, it’s a very quick read, you wont get bogged down with this book.

I like how she explains all the couponing terms and how she shares real life ideas with her readers. Many of the tips and tricks were familiar to me, I’m just not implementing them, but I think that  Christi The Coupon Coach would be a great read for even the seasoned couponer, sort of a refresher course. The book would NOT be overwhelming to a newbie at all. Plain and simple Christi IS the Coupon Coach! She knows how to explain things in plain and simple terms.

A new idea to me was the ability to print out additional sets of coupons using a different computer in your home (we only have 1 computer and none of our stores accept Internet coupons, so this is out for us). I have resurrected my coupon accordion file from that funny financial radio guy and I’ve been saving here and there. Remember though, we live in the sticks, don’t get many coupons in our Sunday paper, can’t use printed Internet coupons and can’t stack coupons. So this book and system might be just the thing you need if you have better access to coupons than we do.
My coupon file AFTER reading Christi The Coupon Coach

I have saved around $50 so far since starting this TOS review and I plan to keep working at this, it's a bit tougher in my area, but even I can save some. An update to my review, I have found that the Target and Meijers store in the BIG city (about an hour away) do accept printed out coupons from their store website ONLY, so I have found another source  :O) So don't think you can't save just because you live in a rural area. My main savings were in the area of household cleaners, trash bags and things like that. Hey it all adds up!

Come check out what the other Molly Reviewers had to say about how they used & how they saved using Christi The Coupon Coach: Couponing Made Simple.


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How to save money when eating Gluten Free (or on any special diet)

I got this listing from a gluten free group that I frequent. Some great ideas here! Sometimes I know we feel like a prisoner to our required diets, so I thought this cartoon was cute!
Moe


Here are some tips from Teri Gruss on cutting costs while eating
gluten-free.

How To Cook Gluten-Free on a Budget - Cut Gluten-Free Food Costs Now!
By Teri Gruss, MS

Here are 6 practical tips and resources to help you save money on the
extraordinarily high costs of gluten-free foods. Plan ahead and you
really can save on your monthly gluten-free food costs- and at the
same time eat delicious, healthy gluten-free foods.

1. Focus on cooking with foods that are naturally gluten-free

Fresh fruits, vegetables, eggs, dairy products, nuts and seeds, meats,
poultry and fish are all healthy, delicious, gluten-free foods. Focus
on planning a gluten-free menu based on these naturally gluten-free
foods. Pound for pound these foods offer a lot of nutritional value
for the buck, compared to refined, processed gluten-free products.

2. Make your own gluten-free foods rather than buying expensive,
processed products

Savings can be substantial when you make your own gluten-free foods,
especially breads and snack foods. Another advantage in making
homemade gluten-free foods is better flavor and healthier ingredients.

3. It is convenient to keep a few packages of commercial gluten-free
mixes on hand. But you can save a lot of money by making your own
mixes. Measure, mix, package and refrigerator or freeze and you have
created your own fresh convenience mixes. Along with saving money,
when you make your own gluten-free flour mixes, you can customize them
to your own tastes and nutritional needs.


4. Join forces with other gluten-free families and friends to lower
costs. Websites like amazon.com and Shop Gluten Free Grocers sell
gluten-free foods in multi-pack cartons, including pastas and flours.
Amazon's Shop Gluten-Free Groceries website offers free shipping on
orders over $25. Bob's Red Mill sells 25 pound bags of several of
their gluten-free products, including tapioca flour and all purpose
gluten-free baking mix. They also sell 4 bag cartons at discounted
prices.

5. Join a local support organization. You'll meet other people, who
like you, are battling the high costs of gluten-free foods- join
forces, buy in bulk and save money.

6. Use coupons

Nancy Lapid, About.com Guide to Celiac Disease recently blogged about
a website that offers printable coupons for gluten-free products.


Tips:

Once a month prepare your favorite gluten free convenience mixes. I
like to make 3 pound bags of all purpose baking mixes. This amount
generally lasts for several weeks. Use it to make homemade breads,
pancakes, waffles, cookies and pizza crust. Making mixes ahead of time
is SO much more convenient than making mixes every time you need a
gluten-free flour blend for a recipe.

Once a week bake your favorite gluten-free breads, wrap them up and
freeze. Remember, making homemade gluten-free bread is like mixing a
cake batter. Combine ingredients in a mixing bowl. Beat. Pour in a
bread pan, let rise and bake. Homemade gluten-free bread is faster and
easier than making traditional wheat-based yeast breads. So don't
shudder at the thought of making gluten-free bread every week. It
requires less time than you think! The savings, not to mention
superior taste and texture make it worth the minimal effort!

Make gluten-free cookie batter and refrigerate or freeze to use as
needed. There is really no need to buy expensive, ready-made mixes.
Mixing and storing cookie dough, like making bread is faster and
easier than you may think.

Make and freeze gluten-free pizza and pie crusts, which become
economical convenience foods, ready when you need them. Use a food
processor and this task is very fast and again, much easier than you
imagined.

Develop a dependable gluten-free recipe file. This will save you not
only money, but time and disappointment. I have a constantly growing
"favorites" recipe file- my "go to" recipes that I know work and taste
great. This not only saves money, it's healthier.

What You Need

Dependable, favorite gluten-free recipes
Gluten-free raw ingredients- purchased in bulk if possible
Homemade gluten-free flour blend mixes
Motivation
Shop with a grocery list and don't shop when you're hungry!
Consult with an accountant to see if you can deduct a portion of your food costs

Pantry Challenge January Round Up

Let me count the ways that I bombed this past month in the Pantry Challenge.....lol. But I had fun and hope you did too.

For starters DO NOT EVER shop for groceries after being under anesthetic..lol. I felt so well after my upper and lower scopes that we decided to shop at Meijers (remember I love that place!), I wandered through and blew a cool $50 some odd dollars, can't find the receipt now. Got some wonderful produce (did I ever tell you how I just love Meijers produce? I think it's the lighting!).
My dear husband pushed the cart dutifully up and down the isles for me as I plucked things off the shelf (who knows what!) and dropped them into the cart. What on earth was I thinking? That is right I was not in my right mind and what did that paper say that I signed before surgery? "I will not make any financial decisions for 24 hours." I wonder now, does grocery shopping fall under that category? I think so! That brings me up to $122.09 for the month.

Then another $49.56 at the local grocery store this was sort of a woe is me shopping trip, I had to do the prep for my upper/lower scopes (drink the nasty stuff to clean your insides out) and I wanted to treat myself, so I bought my favorite soda Canada Dry, my favorite kool-aid drink TANG, the good ice pops (not those nasty cheap watered down ice pops......lol). Since I knew once the tests were done I would be back on a gluten free diet, I got some Lenders Bagels and Thomason English Muffins, no generics for me on those! I also bought the good juices to drink during my prep time, nothing like Welches White Grape Juice $4.50 a bottle and Mango Peach Juice. Those items added up very quickly. $171.65 for the month.

Then on 1/30/12 I ran to the store real quick like for milk & chicken (remember I did not want to butcher our laying hens so I had to buy chicken)........that cost me $23.76.
They had milk on sale for $1.50 so bought a few of those,
Cannelli Beans on sale for $1.00 a can, I stocked up on those since I can sneak them into a lot of things..lol
Tyson Chicken was on sale for $1.99 lb.

January 2012 cost us $195.41 for three people, doing homeschool math that comes to an average of $65.14 per person for a month or an average of $48.85 per week. I was hoping for less, but I know that I could have done without the $50 bucks spent on surgery day, I am still kicking myself for that one! I am thankful for what I saved and did not spend with being gluten and dairy free, I could have spent a lot more $$ on fancy products.

How is your February going on the pantry challenge? I am going to just keep on going with it and see where it leads me. Remember if you are not gluten free or dairy free you can still use my recipes (comment if you have questions about them), just use whole wheat or white flour and regular dairy and butter in the recipes.

If you are new around here we are having a Pantry Challenge, here is how it works.........It's easy, before you head to the grocery store, shop your freezer, refrigerator and cabinets to see what you can use up. For the first 3 weeks I try to only buy milk, butter and bread, since I usually have an abundance of canned fruits and veggies on hand. If you don't have chickens you may need to buy eggs :-p Make a family game out of this, let the kids pick some can goodies from the cabinet, find some meat in the freezer and go from there.
Moe

What we have been eating.

We have found some goodies in the freezer.
Beef roast in crockpot with Italian seasoning (beef sandwiches)
Pastrami lunch meat (frozen)
Beef soup for lunch (frozen)
Pork chops with seasonings on them (freezer)
Chocolate chip pancakes (freezer)
GF/CF cupcakes (freezer)
Lentil soup for lunch (canned) added a can of corn and sprinkled a bit of cheese on top for color
Corn (pantry)
Greenbeans (pantry)
Fruit cocktail (pantry)
Homemade cocoa mix (top of the fridge)
More partial bags of cold cereal (top of fridge)

Pork Chops & Oven Roasted Veggies
I made pork chops again this week. I cooked them in a skillet with olive oil and some seasonings on med/high for about 20 min or until brown on each side, then I add about 1/2 cup of water and then cover (you could use broth or creamed soup if you are not doing low sodium/gluten free/dairy free like me) and cook for about 45-60 min until they are the desired tenderness, I like them falling apart) add more liquid if they are not done, so you don't burn them.

Then in the oven I made cut up roasted veggies with skins left on, I had a yam, white potatoes, celery, mushrooms, zucchinis, onions and I tossed all those in a bag with lemon juice, garlic and olive oil. Baked first 3 items for around 30 min at 450, then added the rest in and baked another 30 min at 375 until done. I did stir them a few times and check potatoes for doneness. Our 11yr old asked why the potatoes turned orange in the oven, he had never had a sweet potato before. He loved them and so did DH. I actually liked them myself, in years past I had had baked ones that were stringy and nasty, so I just assumed that they were all like that. Well I have a new veggie that I like!! Yams or sweet potatoes (same thing right? correct me if I am wrong please).

What have you been eating?
Moe

Food Cravings ~ Challenge Day 14

I sent hubby out to the grocery store, he is a real winner in the area of shopping!! Give him a list and that is ALL that he will buy. Give me a list and I come out with a cart full.

2% milk $2.15 1/2 gallon (YIKES!! I remember when a gallon of milk was just $1.99 at Aldi!!)
high fiber wheat bread $4.19 on sale for $3.49
2# bag of rice crisp cereal $3.59
golden rasins $3.29 flour
$2.19 Mrs. Dash $2.99 (could have done without this, but the doctor wants me on a low-sodium diet as of last week.....I'm falling apart and I caved in and bought something for ME!!).

So this week I spent a grand total of $17.78 + $33.31 from last week = $51.09 for the month.
I do know that I am going to spend some $$ this coming week since boneless pork loins are on sale for $1.99 lb (whole or sliced for free) and I plan on getting a few of those for the freezer otherwise I think we are good to go shopping from the pantry and the freezer some more.

Come on and share what you have bought for you this week during the pantry challenge.

Have a wonderful week!
Moe

Soup recipe for you

Come on over to one of my favorite blogs "The Gluten-Free Homemaker" she has a wonderful recipe for beef vegetable soup slow cooker just click on the link and make a big crockpot full of this yummy goodness!


If you are not gluten free, just use regular flour in this recipe.

While the crockpot is cooking away, relax with  good book and your kids snuggled up around you and make some memories.
Enjoy!
Moe

Pantry Challenge day 8

I found some grilled burgers in the freezer from late this summer and we had those for one dinner, then I made Salisbury steaks for the next night. I used up the rest of the hamburgers and 2 cans of beef broth mixed with some cornstarch and dried onions. I put those into a pot with a lid and put them on med/low for about 45 min minutes, I served with green beans (1 can cut & 1 can string) and packaged rice mix (all from the pantry).

Any good recipes coming your way? Share them with us.
Moe

Pantry Challenge Day 4

I used up some zucchinis, mushrooms, carrots, garlic and chicken (from freezer). I put all that in a pan with some olive oil, cooked it up and sprinkled on a tough of seasoning salt. Went over well and I cleaned out some veggies that I had on hand. I think I will make some brown rice that I have (sitting in the pantry in the far back dark corner!) and add that along with a scrambled egg to last nights leftovers to make a fried rice. YUM!

What have you made?
Moe

Pantry Challenge!!!

How about it?? Anyone game for a pantry challenge? It's easy, before you head to the grocery store, shop your freezer, refrigerator and cabinets to see what you can use up. For the first 3 weeks I try to only buy milk, butter and bread, since I usually have an abundance of canned fruits and veggies on hand. If you don't have chickens you may need to buy eggs  :-p    Make a family game out of this, let the kids pick some can goodies from the cabinet, find some meat in the freezer and go from there.


Feel free to post here and let us know how it's going for you, ask for hints and tips on how to go about doing your pantry challenge. I for one sometimes need some help using up those odd cans of black beans, pinto beans and mole sauce that I bought for some odd reason....lol.

This is a great money saver to start the new year out. I think about many of my readers that are saving to adopt and homeschool moms that are eeking out a tight budget. I hope that this post will be a blessing to your household.

What kind of weird things do you have in your cabinet, freezer or refrigerator that need used up? Use things up before they go bad. Get creative and see what interesting things you can make.

Have a wonderful week!
Moe

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