But First, We Have Coffee » winter

85 Ways To Save Money

Ruth — Wed, 12 Aug 2009 15:27:21 +0000

Use a long distance calling card. I have found Costco’s card to be the best buy. You can refill it, as well.

Make your own baking mix like Bisquick and bake lots of biscuits, muffins, coffee cakes and pancakes.

Turn lights off.

During the winter, bundle up and keep the house at 65 degrees. (Maybe warmer if you have a baby)

Get rid of either cell phones, or the land line. Sometimes paying the fee to stop a contract is cheaper than fulfilling the contract. If you do use cell phones, get rid of extras like texting.

Get rid of credit cards and lines of credit.

Get rid of cable.

Eat more rice and beans.

Don’t even look at the store ads, only go to the store to buy what you need and stick to it.

Don’t run to town all the time. Consolidate trips.

Don’t buy a new vehicle.

Pray about each purchase that each dollar you spend is being used wisely.

Use the dollar store for purchasing gifts.

Stay away from the mall.

Wash your vehicle by hand as opposed to running it through a car wash

Shop thrift stores (with a list of needs). You can find some very classy clothing at very good prices if you shop around.

Pay bills online.

Keep a notebook with you to write down all purchases, even little ones. (See price book sheets on right under freebies) This will help identify the problem. Compare. Find out the best place with the best buys and shop there the most.

Use only cash when grocery shopping. Leave the checkbook and debit card at home.

Plan a menu and shop off that.

Incorporate a meatless dinner into your menu.

Incorporate a couple casseroles and soups into your menu. These usually tend to be stretchers and are less expensive than individual helpings of a veggie, meat, and bread.

Cut out sodas and expensive coffees. Consider making your own specialty coffee drinks at home using your blender.

Cut down juices to just breakfast unless fruit is served.

Make granola and yogurt or baked oatmeal for breakfast.

Change out light bulbs with fluorescents

Learn to change the oil in the vehicle, as well as the air filter.

Make your own cocoa mix, instead of buying it or mix half and half.

Don’t buy prepared gravy mixes, hamburger helpers, etc. Make your own from scratch.

Cut out prepared snack foods like chips and fancy crackers, unless for special occasions. Make popcorn in a good old pot on the stove or in an air popper. Make your own crackers. There are several recipes for crackers and snacks in the More With Less (on right).

Seek out marked down bananas. Let the kids eat the best ones. Peel and freeze the rest in a gallon zip lock bag. Pull out and make smoothies or banana bread.

Shop egg prices. Sometimes buying a large 3 dozen container is less expensive than the smaller containers. They will last for a very long time and are an inexpensive food.

Find a co-op for bulk foods like dried fruits, nuts, seeds, oatmeal, herbs, spices, vitamins and supplements, etc.

Buy generic when possible.

Make your own laundry soap.

Cook from scratch.

Make your own baby wipes.

Buy your cleaners at a janitorial supply store. They are so much cheaper and really good.

Try sharing postage with a few neighbors who have to mail the same utility bills to the same places.

Make your own envelopes instead of buying new ones by forming them from scratch paper. Take apart an envelope to use as a template.

The Tightwad Gazette (on right) suggests there are three ways to save (in a nutshell). They are: Buy it cheaper, make it last longer, use it less.

Wash out sturdy zip types bags to reuse. Just remember not to reuse any that stored meats or grease.

Use leftover rice by making a crust for a quiche. Do this by combining 1 1/2 c. of cooked rice, 1 oz of shredded cheese, and an egg. Pat out in a pie plate. For a larger quiche dish, increase rice and cheese portions slightly. Do not Pam or grease the dish. Bake at 425° for 20 minutes.

For cheap return address labels, cut out all of the mailing labels from your junk mail that has your address all nicely preprinted. Attach them to your envelopes with a glue stick, white glue, or tape.

Turning bulbs on and off wears them out. Since compact fluorescents are the most expensive type to replace, when leaving the room for less than half an hour, you should leave them on. When leaving for less than 15 minutes, leave tube fluorescents on, and when leaving for less than 5 minutes, leave incandescent on.

An inexpensive gift, if you can do calligraphy, might be to write a favorite Bible verse or saying then place it in a yard sale frame.

Buy and use a battery charger and rechargeable batteries.

Do not buy pre-processed potatoes (wedges, mashed, fries). Make them from scratch.

Make your own baking powder by mixing 1 part baking soda, 2 parts cream of tartar, and 2 parts arrowroot.

Make your own cream soup mix instead of buying premade, precanned soups.

Take shorter showers.

Insulate the attic.

Air condition one or two rooms, as opposed to the whole house. Likewise, in the winter, close off rooms that don’t need to be heated.

Hang your laundry out.

Put lids on all pots while cooking

Bake more than one item at a time.

When doing dishes, try filling the sink only half way.

Stop eating out or picking up something quick, especially if it means a fast food restaurant.

Learn to cut hair instead of paying someone else to do the job.

Add a little extra dry milk powder to baked goods to boost protein.

If you dine out, only drink water.

Less expensive snack foods would be popcorn, pretzels, Costco corn chips, or home made cookies.

The least expensive vegetables are cabbage and carrots

Get yourself a farmer’s guide from the extension office. Find out when the produce your family enjoys the most comes ripe. Go pick it. Put it up. It’s not that difficult, really.

Buy from produce stands in bulk. Sometimes you can order ahead of time how much corn you want. Freeze it the same day you get it.

Eat before you go shopping

Have a planned list ahead of shopping time.

Make a master grocery list.

Try living on beans and rice for a week.

If you have little ones in disposable diapers, I have found Costco’s to be the best buy.

Stop using paper towels and use kitchen hand towels, instead.

Buy your tp at Costco in a large amount and just store it somewhere. It’s a good buy and good quality.

Bake. Fresh bread will fill a tummy like nobody’s business and makes hearts happy.

Take cash with you when you go shopping or purchase a gift card and just fill it with the amount you have limited yourself. Plan on keeping a little in there for incidentals, especially when you start this.

Don’t cater to picky eaters, unless it is your husband.

Eat hot cereals in the winter. You don’t even need milk.

Stop buying tooth paste. It’s not good for you, anyway.

Use borax and oxy mixed together instead of laundry soap or dish soap for the dishwasher.

Buy inexpensive Suave shampoo and dilute with water to use in your pump soap dispenser

Eat leftovers for lunch.

Powdered milk works well instead of real as a substitute. I make my yogurt with it, even.

Find a dent and nick store.

Ask your grocer if you can purchase old bananas at a discount.

I’m sure this list is incomplete. Perhaps you have some ideas up your sleeve that I have not come up with. Please share!

Post from: But First, We Have Coffee

85 Ways To Save Money

Music, Lights, Action

Ruth — Wed, 17 Dec 2008 14:47:24 +0000

Post from: But First, We Have Coffee

Music, Lights, Action

Baking Day!

Ruth — Tue, 16 Dec 2008 23:13:19 +0000

Last week was our baking week for CHRISTmas. Below are photos of most and recipes:

Aunt Barbara’s Mexican Wedding Cakes. See recipe here.

These are light but taste similar to shortbread

Dipped Pretzel Sticks

These are easy for even the smallest child.

Super easy and super good, creamy fudge. See recipe here.

Anne

Peanut Butter Cookies With Kisses. See recipe here.

Peanut Butter Cookies With Kisses

We also made:

Molasses Cookies (See recipe here)
Peppermint Bark (See recipe here)
Martha Washington’s Bon Bon’s (See recipe here)

All the cookies laid out for the neighbors

After the plates were wrapped, we drove around town caroling and handing out these lovelies to our dear friends and neighbors. We had a couple neighbors gone, so those will probably be distributed tonight.

Post from: But First, We Have Coffee

Baking Day!

Traditions!

Mom — Tue, 13 Nov 2007 16:44:04 +0000

Does your family have traditions? I am becoming more keenly aware that we have traditions that my husband I didn’t even know we had! Last summer, as we were headed to a local lake (more like a pond) to swim, and after everyone was packed in the van, the dialog went something like this:

“Oh! Where’s the ‘Second Chapter of Acts’ tape? We have to listen to it when we go to Lake Elmo!” My response? “We do???” Everyone piped in, “Yes! Don’t your remember? We always listen to it when we go to Lake Elmo.”

Another instance: While butchering our deer this year, our son ran to the computer to put on “Dad’s music play list on his Real Player….because, apparently, it is tradition. We also learned that when we cut up deer, pizza has been the normal fare, so pizza it was. We are making memories as we do these things together.

We have never been a family with a lot of tradition. Oh, we bake cookies and enjoy certain foods on particular days, but the kids have clung to things that we had not considered. Honestly, it really does make things special.

Years ago, my husband laid down the “rule” that there was not to be any Christmas music listened to, played, or sung until December 1st. The idea behind this was to keep Thanksgiving and Christmas special, respectively. Consequently, the kids now have created the tradition that whoever can stay awake long enough, turns on Christmas music at the strike of midnight. This year was rather humorous: At the strike of 12, I awoke to alarms of music going off all over the house playing different Yule greetings. When I got up at 5:30, I heard the softest, most welcoming Celtic Christmas music. It was so sweet and it reminded me of how these little things mean so much.

As I think about what the kids grow up remembering most about this holiday season, their father’s and my prayer is that they remember foremost why we even celebrate. What is this all about? Just to make warm memories that will fade away? We celebrate not an infant and His birth, but rather, we celebrate with thanksgiving and praise that our awesome God loved us lowly sinners so much that He made Himself into a man to be the ultimate sacrifice for us! Where would we be without His love for us? What joy we should all have for this glorious thing! We should celebrate Resurrection Sunday with such vigor!

May this season, however you celebrate it, leave you and your children with fond memories of a great Savior and His unfathomable love and sacrifice for us.

Post from: But First, We Have Coffee

Traditions!

Too Much Excitement Before 5am

Mom — Tue, 06 Dec 2005 19:55:15 +0000

I know it’s been awhile since I have written….yes… I have all kinds of excuses, the main one being…life happens. And just to prove my point, I thought I’d share a bit about a morning I experienced last week.

Too much excitement before 5am

My alarm didn’t go off at 3:50 like it was supposed to in order for me to take my oldest son, Ben, to work. I did awake to Ben knocking on my door at 4:10. I hurriedly jumped out of bed and got dressed. We left as soon as I got my coat and shoes on.

Thankfully, he started the pickup for us an hour earlier, which didn’t do a whole lot of good because the draft in the pick up is so bad, we shivered the whole time. It was somewhere around 15°.

I got him to work fine, but when I came up our driveway, there was a huge snow drift that I got caught up in and lost it. I was stuck in the snow.

I went into the house. It was 5 am by this time and I was supposed to wake Dennis, anyway. I told him about it. I tapped on the boys’ bedroom door to wake up Joe and Eric. Nephew Steven woke up, as well and between the three of them, they shoveled me out.

Dennis was up by this time and went out to check on things. He moved the [unstuck] pickup, then found that the door had froze open. He couldn’t get it to loosen, so he headed over to the other pickup (the one with little to no brakes) and began to get it started. Meanwhile, Joe took a screw driver to it and got it releasing fine. Dennis came back to mess with it and found that we had no tail lights or dash lights. Evidently, we blew a fuse. At the time, he thought it was wiring.

His car is in another city, the van’s battery is dead, the other pickup has no brakes, David’s van is at the motel with his folks. What was he to do? Dennis starts to unthaw the older Chevy pick up, which has no brakes. We couldn’t find the window scraper, remembered the flashlight is in David’s van…at the motel. The good news is, though, that this pick up has 4 wheel drive, so off we went.

Our driveway goes down hill with a drop off on both sides, then heads back up with a curve in it, so Dennis, not wanting to get stuck, gooses it. I gasped, as I hadn’t gotten my seatbelt latched. The three boys are in the back seat. My nephew begins sweating. Dennis stops! He backs up the driveway in the dark, then goes for it again. He tells me he was carving a way through that snow drift for when I come home. Okay… good…we need a path to get home.

We get to where Dennis’ truck is parked. He set my brake. We all went into the little store because Dennis forgot his coffee and the boys and I went in to find a scraper. We go back out, said our good bye’s and pull out onto the street. I almost immediately turn right and proceed onto the on ramp of the freeway when suddenly, this overwhelming cloud overcomes us all. Steven rolls down his window right fast and I pull over on the on ramp. I tell the boys to (in the dark) run as fast as they can back up to the truck stop and catch Daddy… but don’t get hit! Remember? It’s about 15°. Nephew, Steven, is wearing only a sweatshirt. It’s black. Joe is in his jammie pants and his hunting snow outfit, which keeps him warm and is hunter orange, so we thought surely Dennis would see them his headlights even shone on the boys, but HE DIDN’T SEE THEM! They were waving at him and he drove on by.

Fortunately, before I left, I saw my mil’s cell phone sitting by our phone and took it with me, “just in case.” So, seeing the boys’ plight, I called my brother-in-law, who was snoozing peacefully at our house and woke him up. I told him what was going on. I didn’t know whether to move forward or what. I didn’t want to burn something up! He finally told me to move a little while he was on the phone with me. I did and it was fine!

We came on home. No problem… until the driveway. I did the turn and gassed it. I aimed for one of the tracks Dennis made for me but instead, I must have caught part of the drift and it sucked me in. I gassed it more and made it up, up, up… then it died. It wouldn’t start again, but we were home and all thankful!

There’s really more to the story. It has turned into a bit of an ongoing saga. Let’s just say, as it stands now… It’s a week later and the van is still dead, with one battery removed (diesels have two batteries), the pick up with no brakes is sitting up on our road, broken (probably a fuel filter), the yellow pick up has been pretty good…after we dug it out of a snow drift and in spite of it’s draft, and God is good to take care of us.

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Too Much Excitement Before 5am