Wednesday, January 30, 2008

Frugal College Life

My oldest daughter is a fresh(wo)man in college and my youngest daughter was just notified of her acceptance to the college of her choice. I'm very pleased that both of my girls have received substantial scholarships for merit and financial need. They've also benefited from the wonderful gift of a 529 plan from their grandmother. This combination of funding has reduced my burden tremendously. But, there are still expenses involved that I must cover (books, supplies, the remainder of the room & board not covered by the above listed aid) and this leaves my budget tight. I have told the girls that their tuition, room, board and books are covered, but anything else, they must provide. This has led to some creative strategies by my oldest daughter.

She does not have a car at college. She doesn't really need one, except to make the trip home. She uses the bus system to get around town but most of what she needs is within walking distance of her dorm. She also rides with other students as they make trips to the mall or other shops for groceries and supplies. This saves the gas money, insurance, parking permit fee, and hassle of maintaining a vehicle.

She obtained a really great job, working in the nursery of a church just a few blocks from her dorm. The church has taken her in and treats her very well. She works for a few hours on Sunday morning and Wednesday night, no conflict with her school schedule at all. The pay is good enough that she is able to get the spending money she needs from this. The church members have asked her to do some private babysitting and even work as a server for a catering job. These extra jobs are great because they give her the flexibility of looking at her schedule to decide if she can do them and, if so, provide her some extra income. The added bonus is that she's networking and creating her own friendships and sense of community beyond the college environment.

On weekends, the cafeteria at the school only serves brunch. Because of this, I send my daughter supplies to make her own meals and she buys fresh ingredients locally. I've taught her how to cook and she does very well. Following Christmas break, I sent her a cooler with some tilapia, salmon and other frozen items for her to enjoy on her weekends. This past weekend, she was cooking in the dorm kitchen (which is located across the hall from the head RA for the dorm) and visiting with the RA. When asked what she was cooking for dinner, my daughter rattled off her menu, "Pan-seared salmon with mango-chipotle chutney, wild rice and baked sweet potatoes." (Yes, the mom here is saying, "where's the green veggies?"... but hey, it's not pizza!) To which the RA responded in some sort of awe, according to my daughter. Then, my daughter expressed that she felt sorry for the kids she saw heating up Easy Mac in the microwave and those who obviously hadn't a clue how to cook. From this conversation was borne the idea (and permission) for her to cook meals on Saturday and Sunday and sell the plates first-come, first-served to any takers. She posts her menu in the lobby, with a sign-up sheet for planning purposes. She charges $5 or less (depending upon the menu) for a plate. I think this is fabulous, and as I told her, if she only gets enough to pay for the groceries/supplies, then she's still ahead because she's basically eating for free. If she makes a little money, great!

There are other opportunities to save or make money. You'd be surprised how many kids don't know how to do laundry. Some have become so frustrated that they take theirs to the local "Wash-n-Fold" place. For someone who doesn't mind doing laundry (not my daughters) there is the potential to take over some of the Wash-n-Fold business by taking in dorm mates laundry and doing it at the laundromat when doing their own.

If you want to save some money, make sure your young adult knows some very basic living skills before they jump out of the nest. Learning to cook, do one's laundry, maintain a vehicle and network are key skills that will save them (and you) money.

Additionally, teach them things about living frugally. For example, don't buy your supplies at the campus bookstore. A trip to Wal-Mart, Target, Michaels, Hobby Lobby, Best Buy or several other places provide notebooks, art supplies, calculators, etc at a price far less than available in the bookstore. Always check online to see if you can buy your textbooks cheaper (use ISBN number). There are several excellent online sites that sell college texts. And, likewise, check online before selling your book back to the bookstore. If the school offers you $3 for the book you paid $30 for a few months before, then do like my daughter did and offer to sell it to someone taking the class the next semester or next year. She got $15 out of it, which was win-win for her and the student who needed the book. Also, apply this technique to books you need for a class; ask around, someone may have them in their room. This is where networking with classmates pays off. Finally, don't rush to buy every book on the syllabus. They should be available in the library and some will not be needed until later in the semester and some are not needed at all.

While obtaining a college education is a costly endeavor, it can be made more affordable with a frugal mindset.

Tuesday, January 29, 2008

Chocolate Prices on the Rise!

Reading today's headlines I learned that Hershey's will be increasing the wholesale price of their chocolate bars 13%, effective immediately. They cite the rise in fuel, energy and commodities (milk) as the reason for the price increase. This is without a doubt a justified increase. But, it's bad news for chocoholics like me.

There are several ways to satisfy the chocolate cravings. One of my favorites is with Chocolate No-Bake Cookies. Because of their peanut butter and oatmeal contents, I like to think of them as somewhat healthy. Another is homemade fudge... and not the chocolate chip and marshmallow cream kind.

The key ingredient here is cocoa. This is one item I strongly recommend you don't buy the generic brand or an off-brand, unless you can test them in a small quantity first. I've tried buying the generic brands in the past and found that there was a definite difference in color, texture and most importantly flavor. Cocoa is a bit spendy, but a little goes a long way in recipes.

When I was a child, it was a rare treat to get an actual chocolate bar of any sort. A Hershey's bar was carefully eaten and savored one rectangle at a time. Mom made a lot of treats for us with cocoa, including cakes with a lovely cocoa buttercream frosting and fudge. On the news of the price-hike for chocolate, I've begun to prowl through some of the old church and community cookbooks I have from the 1950's and 60's. They have a lot of good recipes for cocoa based sweets.

In the meantime, I believe I'll whip up a batch of Chocolate No-Bake Cookies today.

Chocolate No-Bake Cookies
2 cups sugar
1/3 cup cocoa
½ cup butter
½ cup milk

Combine in saucepan and bring to a boil for 1 minute, stirring constantly. Remove from heat and Add:
½ cup peanut butter
1 tspn vanilla
3 cups raw oats

Drop by rounded teaspoonful on wax paper.

Sunday, January 27, 2008

Homemade Soft Pretzels

I'd never made pretzels before. I'd purchased them a few times at malls, ball games, airports... whenever the smell of hot, fresh pretzels hit me hard and I couldn't withstand the temptation. I really never even thought of making them myself. Until I was in the Bargain Store prowling the aisles and found a tub of Gourmet Pretzel Mix. Hmmm, I thought, "this could be fun." The tub was only 50 cents and extra bargain... they were marked buy one, get one free. I guess a lot of folks are intimidated by the prospect of making their own pretzels. But, they shouldn't be.

I decided to make the fresh pretzels for a treat this weekend. Following the directions carefully, they were quick, easy and fun to make. Although the mix from the bargain store is certainly a bargain, it will not be there for very long. And, I want to add these yummy pretzels to my cooking repertoire. So, I began searching for pretzel recipes.

The first place I looked was my trusted Woman's Day Encyclopedia of Cookery. There I found an interesting write-up on the history of pretzels, but no recipe. Did you know that pretzel bakers are credited for saving the city of Vienna from Turkish invaders in 1510? Or that pretzels are on record as existing in the USA as early as 1652, when court records show a baker sold pretzels to the Indians. Some historical accounts credit the invention of the pretzel to monks somewhere between the 5th and 7th centuries and state the shape resembles a person's arms folded in prayer. Pretzels also showed up in marriage ceremonies and the pretzel shape was referred to as a "marriage knot". A gilded pretzel hanging outside a shop in Germany or Switzerland represents a bakery. I learned that the pretzel was very much a German staple.

I was even more determined to find a recipe after reading about pretzels. I have a strong German heritage, but somehow... I missed out on the pretzel baking!

I've now found 3 recipes which are similar to one another that I'll try before I post the recipe here. The similarity is that they all call for dipping the pretzel dough in boiling baking soda water. This step adds flavor and creates the lovely firm skin. Avoid quick recipes that simply call for frozen bread dough which you thaw, shape and brush with egg... they won't be the same and you really aren't saving much by purchasing frozen bread dough.

Mixing up your own dough is not difficult, especially if you have a mixer with dough hooks. While some folks find working with yeast intimidating, they really should not. It's quite simple and just requires some time to allow the dough to rise. I suppose that's easy for me to say since I recall baking my first batch of bread at age 9. We did a lot of such baking because it stretched our family budget. It was much cheaper for us to bake our own bread than to purchase it from the store. And, nothing beats hot, fresh bread from the oven slathered with fresh churned butter! Except, maybe a hot, fresh pretzel!

Friday, January 25, 2008

It's the Little Things

Little things add up. Keep a jar and toss your change in it every day, when the jar is full... start another one. This is a pretty obvious way to see that little things add up. Others aren't quite so glaringly obvious.

Do you review your monthly bills? Most people don't really look at them too much. They scan over them and pay the amount requested. However, bills need to be reviewed for accuracy. Do you really want to pay the phone company extra each month for services you aren't using? Remove the line maintenance fee! It's like buying an extended warranty. Check for other fees.

I have two phone lines, for one I was being charged a rate for having touch-tone, the other I wasn't. All my phones are touch-tone... why was I being charged for one and not the other? I asked for the charge to be removed. I'd requested bundle billing with my dsl, phone service and unlimited long distance. This was to save me some money each month. A review of my bill after requesting the bundle, showed that they didn't bundle it. Another phone call.

It can be frustrating to deal with these things and that's why I'm sure most folks would rather not. But, think of that change jar. If your utilities are hitting you for $1 here or $3 there in extra charges, it doesn't take very long for that to add up. Double check your meter readings... I've had them reported incorrectly. Take a good look at that bank statement, I've had the bank erroneously enter a $10 check from my account as a $100 check. That was a messy error. All of these entities rely on a combination of humans and computers... mistakes do happen.

So, take the time to really look over your bills and note any changes. If necessary, prepare to approach the entity regarding the error. Remain calm. It's not the person on the other end of the phone line's fault that an error was made and they aren't personally profiting from the mistake. Remain vigilant. It may take several attempts to correct the problem. If you keep decent records though, it should all work out in your favor.

Thursday, January 24, 2008

Cleaning House

It's a slow internet day. There doesn't seem to be much of interest to read today. Now that I upgraded to a DSL connection it only takes me a few minutes to check my email, visit a couple of favorite forums, read the local news and post to my blog. This leaves me with more... "free time". As I was pondering what I should do with my "free time" today, the nagging images of my dirty dishes, dirty floors and the pile of laundry kept flashing in my mind like a bad slide show. I guess I'll be cleaning today. But, only after I make this post because now I have a topic!

I don't really spend a lot of money on different cleaning products. Anymore. I used to, back when I thought they really did save me time and got things super-duper clean, therefore I simply could not live without them. I will admit though I still have a few products that are just my favorite trusted friends. But, I don't have a cabinet full of various cleansers and polishes. I've found that I can clean just about anything in my house with ammonia, vinegar, bleach (but don't mix it with the ammonia) and baking soda.

You can find tips for using these products all over the internet. So, I won't go into all of the possibilities, but I will run down a few of the things I do.

Ammonia - mix 1 part ammonia with 3 parts water, place in sprayer bottle and use for general cleaning and windows.

Bleach - use to sanitize or whiten anything (pour into toilets).

Vinegar - add to dishwasher, add to laundry (the really smelly laundry or the fabrics that wrinkle badly), use to remove hardwater limescale everywhere.

Baking Soda - place on damp pots to remove tough burns (let sit about 5 minutes), use to absorb carpet odors.

For tough carpet stains, I dilute some "Shout" and spray it directly on the stain before cleaning the carpet.

And for those of you who simply must have some cleaning products because using the four I mentioned is just way too simple, basic and rustic for you... try stocking up at the dollar store in your area. You can usually find great bargains on such products in the aisles of Fred's, Dollar General and The Dollar Spot.

Wednesday, January 23, 2008

Frugal Valentine's Day

Valentine's Day is a huge commercial holiday. Americans spent about $17 billion on the holiday last year. That's approximately $120 per person, including children. The money is spent on chocolates, flowers, wine, stuffed animals, cards and jewelry. Jewelry is the only item that lasts much longer than the holiday... not counting what the chocolates do to the hips. I don't think the amount of money spent includes the romantic meals as the numbers came from the retail industry. Regardless, that's a lot of money.

So, if you don't spend over $100 on your honey, you look like a schmuck. Right? Wrong. Unless, you have a high-maintenance honey. In which case, you really shouldn't be reading a frugal living blog.

We all like to feel special and loved. That feeling can be created without spending a lot of money. It will take some planning and some creativity. That's why I'm writing about it today. You have three weeks to plan and create a special day for the one you love.

I live in a small town without too many fine dining options. Finding babysitters on Valentine's Evening is difficult. As a result we began the tradition several years ago of creating a fine family feast for the festivities. Traditionally the meal includes rock lobster tail and filet mignon. Rock lobster tail is smaller, less expensive and sweeter tasting than regular lobster tails. Usually this portion of the meal costs about $4 - $5 per person - remember it's a special occasion!

To this base we add any number of side dishes from salad to twice baked potatoes... it just depends on what we're in the mood for that year. And, my honey always makes a very decadent dessert for the occasion. The table is set nicely, with candles and the good china. As our daughters grew to become young ladies, they now invite their sweethearts to join us for this special meal. This is a tradition I love.

Other special ideas:

Create your own conversation heart cookies. Make heart shaped sugar cookies. Glaze them with pastel colored frosting and use a piece of waxed paper or parchment paper to create a cone, place frosting in and write words on the hearts. Fill a basket full of them and deliver to your sweetheart, use for place "cards" at your special meal, let the kids pass them out for their special friends.

Make your own box of chocolates. I picked up some chocolate molds in all different Valentine's motifs at a craft store clearance sale several years ago. They are re-usable. I like to use the Ghirardelli melting chocolate, it's not waxy. Look for interesting things to add to the chocolate to make it special. A couple of drops of cinnamon oil can make a yummy chocolate.

Knit a nice scarf, it's cold outside. Can't knit? Get a Nifty Knitter and some yarn.

Make a photo collage, or a scrapbook, or create a nice frame for a picture of you.

Write a poem and frame it.

Create a memory box. Decorate a box (can be a cigar box, shoe box, shirt box...anything) with a collage of images and phrases. Place momentos inside - movie ticket stubs from the first movie you saw together on a date, the cork from the bottle of wine, etc.

Burn a cd of music.

You can force tulip bulbs to bloom in a pot (it's a little late for this project this year... it takes about 8 weeks, but keep it in mind!).

If you just have to have flowers, get an in-expensive mix a few days before Valentine's day or order bulk online and arrange them yourself. Most of us have a ton of flower vases and by picking them up a few days in advance, you will save money. Arranging them yourself will save some of the costs as well. You can turn that $5 or $10 bouquet into one that looks like it cost much more. My honey will sometimes find interesting twisted twigs or pretty foliage to add that makes them even more special.

I like receiving a gift certificate for a rose bush of my choosing to be added to my garden at the appropriate time. Or, several packages of flower seeds. Yes, I'm just that kind of girl, some of us are. I like looking at the flowers all summer and I do think of my sweetie when I cut them and arrange them. I also really like it when he cuts them and surprises me with a bouquet on the table.

If you start looking and thinking now, there are a lot of creative, romantic, special ideas to show the one you love how special they are to you... without spending $120 or more.

Monday, January 21, 2008

Potluck Dinners

My daughter had to take something for a potluck lunch at school today. As I was helping her to prepare her dish, we discussed what other kids were bringing. She commented to me that a number of the kids didn't know what a potluck meal was. I dropped my spoon. How is that possible?

Potlucks are a great custom. I don't know if it's a regional thing or if it's a small-town thing. I just know that they've been a big part of my entire life. As a child, I recall potlucks at church after services, family potluck gatherings, club potluck gatherings, community potluck gatherings. And, as an adult, most of these continued and even included potluck meals at work.

At one place I worked we had a weekly mid-week potluck. Employees could either bring something or they could donate a $1 to our employee benevolence fund and just grab a plate. At another place we held a potluck once a month for fellowship. When I was a younger, single, working mom my co-workers and I decided to do potluck with a twist. We took turns cooking lunch and bringing it for everyone in the group. You only had to bring something one day a week and the rest of the week, enjoy everyone else's cooking. This helped all of our budgets.

In fact, potlucks are a great budget stretcher for families. I lived in a friendly neighborhood as a young mom and we often held neighborhood potlucks to stretch our budgets. It's a fantastic way to get to know your neighbors and create connections.

Today I sent Cranberry Meatballs for the school meal. The teens always love this and I think it's pretty good... and simple. As far as potluck dishes go, it's not too spendy. When I was at the store, I calculated that the cost was going to be about the same whether I bought the ground meat and made them myself or if I just bought them prepared. So, for time savings (also a part of being frugal) I opted for the prepared meatballs.

Cranberry Meatballs

1 can cranberry sauce
1 jar chili sauce
80 count bag of meatballs (2 1/2 pounds prepared, cooked meatballs)

Place cranberry sauce and chili sauce in sauce pan and heat until cranberry sauce has melted. Place meatballs in crockpot. Cover with sauce. Turn on high, stirring occasionally for 1 hour. Switch to low and cook for 2 - 3 hours, stirring occasionally. Serves up to 20.

Sunday, January 20, 2008

Conserving Gasoline

The jokes about needing to take out a loan to fill the gas tank are losing their humor as gas prices climb and remain high. This necessity is taking a larger chunk out of the family budget and for most of us, our income has not increased to meet the added expense. So, what do we do? We have to conserve.

For my family this has meant some simple but cost-saving efforts. We've calculated that every time we have to go to town (we live about 7 miles outside of our small town area) it costs us anywhere from $4 - $10. This realization helped everyone to make the most of each trip. My daughter is in town daily because she has swim team and dance practices after school during the week. It is more economical to let her drive than it is to drive back and forth to run her around. If she has time between activities, she spends it hanging out in the coffee shop, bookstore or a friend's house rather than driving home and going back in.

We keep a running list of errands and items we need from town. If it's something that can wait, it waits. If it's something we need urgently, we have our daughter pick it up for us while she's in town. Or, alternately, we have our neighbors pick it up for us when they are in town. Our immediate neighbors and us have all begun to communicate with each other before we go in. If I just need a gallon of milk, they'll gladly pick it up while doing their own shopping or running errands. And, I do the same for them. We conserve our trips.

When we need to run errands, I make out the route that is the most efficient use of time and gas. I list the stops in the order in which I need to make them. We also ride-share with our neighbors for some of these errands whenever possible. There's no sense in all of us driving in and going to the same places or nearby.

We're having more of our bills direct-drafted from our banking account so that we don't have to spend $.43 on a stamp or $1.00 driving it to the office. We use the online postal service to purchase stamps and mail packages, saving us trips to the post office whenever possible (although, at times it's confusing and we still have to go in).

Those are all pretty simple, conserve-your-trips-to-town steps we've taken. But, we are stepping out further. I recently read an article on "hypermiling" and have begun to apply the principles to my driving. I'm teaching my daughter as well. It's really very simple steps you can take to conserve even more fuel:

1.) Record your gas mileage at each fill-up and track it. Awareness is a good thing, plus you can track your improvement.

2.) Don't drive aggressively. Leave a space buffer between you and the car in front of you. This will allow you to coast more and apply your brakes less. The more you speed up and then hit your brakes, the more gas you are wasting.

3.) Minimize your time stopped at red lights. Again, don't accelerate up to them and then hit your brakes. Coast in to them, letting the vehicle slow down before you hit the brakes. If you're in stop and go traffic, just coast as much as possible instead of accelerating.

4.) Start slowly from a stop. If you drive an automatic, pause for a second after you take your foot off of the brake pedal and move to the gas pedal. Most automatics will start moving forward on their own, slowly. This saves fuel as it takes more energy to place an object at rest in motion than to accelerate a moving object. No jack-rabbit starts!

5.) Use your cruise control to accelerate. This way, you can accelerate in measured increments and not have to hit the brakes because you over-estimated how hard to press the pedal for your acceleration needs.

6.) Keep your car in good repair and well maintained. Check the air pressure in your tires and make sure they are all the same (I've seen this have a pretty decent impact on my mileage). Keep your filters clean, air, fuel, and oil. Keep your car tuned up. When my car was properly tuned up, we increased our mileage by 4 mpg.

We live in a hilly area, so the easiest thing for us to do is coast more! There are also some adaptations one can make to their vehicles, but this is all a little too mechanical/techie for me.

For now, we'll just stick with conserving our use of our vehicles and hypermiling. Every penny saved is helpful.

Friday, January 18, 2008

The Bargain Store

Yesterday I went shopping. It was time to stock up on some staples. And, after writing about the bulk chicken, I was craving barbecue chicken sandwiches. I did grab a bag of chicken quarters and tossed them into the crockpot last night. I make a habit of beginning my grocery shopping at our local bargain store. I think they are popping up in towns everywhere. They are stores that buy the dented boxes of cereal, the overstock food before it expires, etc.

I'm able to stretch my budget and have some "luxury" foods through my strategic use of the bargain store. Since I never really know what I will find there, it helps to start my shopping there and then go to the other store. Sometimes my cart is overloaded and other times I only have a few items. Yesterday it was overloaded.

My youngest daughter is a senior in high school and captain of the swim team. As the captain's mom, I'm to provide swim team snacks for some of the meets. When trying to find healthy snacks for 25 swimmers, it can get costly. But, yesterday, I hit the jackpot at the bargain store. They had an overstock of Planter's Honey Roasted Peanuts individual 5 oz. bags 5 for $1.00, rather than $1.59 each. I also found that some of their fruit snacks were not only inexpensive, but because they had such an inventory they'd also marked them 2 for 1! I managed to get individual bags of apple chips, the honey roasted peanuts, propel powder and yogo rollers, a total of 30 individual servings of each, for about $13. Oh yeah!!!

My oldest daughter is in her freshman year of college. She lives in the dorms and has the meal plan, but this only provides brunch on the weekends... and no late night snacks. They have a decent kitchen in the dorm and she knows how to cook. So, I was on the lookout for stuff to send her. She loves asian food (actually the whole family does). When looking for ethnic foods and healthy foods, I often get lucky at the bargain store. It seems they just aren't that popular here in the Ozarks. I picked up some Simply Asia Thai meals for $1.29 each, some Far East Couscous for $.50 a box and some other miscellaneous items. She'll be happy when she receives this care package!

You do have to shop wisely at the bargain store. Look at the expiration dates and have a good idea what's okay if it's expired and what's not... and what's a reasonable time frame after the expiration date. For example, the 1 lb bag of Archway ginger snaps I picked for $1.29 had expired in mid-December. I'm eating them right now and they are fine. But I passed on the 6-months-past-expiration-date pancake mix... I don't like to find bugs in my flour products and weevils seem to thrive here. It just wasn't worth the risk. Although, the local bargain store will accept returns with a receipt should you find such a disappointment.

It's worth the effort to shop there. I find little treats and rewards I wouldn't otherwise purchase. Tonight I'll enjoy a bowl of Ben and Jerry's Vermonty Python ice cream (a pint for $1.19!) and I won't even care that the container has a dent at the bottom!

Thursday, January 17, 2008

Bulk Meat Saves Time and $

You know those big bags of chicken leg quarters sold inexpensively at the store? It's a 10 lb bag for about $5. Most people skip past them unless they are hosting a barbecue or have a huge family. I think they are overwhelmed by the size. Some frugal folks do purchase them and then repackage them in appropriate portions for their families and freeze them. But, what else can you do with these bulk bags?

Well, I discovered a few years ago a very nifty way to use them. I place as many as will fit into my crockpot, put the lid on and turn it to the "high" setting. I don't season them at this point... though you could salt and pepper them. I leave them to cook for several hours, until the meat is falling off of the bones. I drain the juice and fat into a container and debone the chicken. The juice and fat can be used to make chicken stock and frozen or poured over dog food (especially in the winter when they need extra fat).

The deboned chicken is then packaged. Some goes into vacuum sealed bags and into the freezer for later use and some goes into the fridge for immediate use. I use the pre-cooked chicken in a number of ways:
- Add barbecue sauce and make barbecue chicken sandwiches
- Place with cheese between two tortillas and grill for chicken quesadillas
- Use for chicken salad
- Use in recipes such as chicken enchilada casserole

The same concept can be applied to bulk ground beef. Simply brown the ground beef, drain the fat and juices (I pour it over the dogs' food) and repackage it. Then it's available for many recipes as well:
- One-dish-meal
- Spanish Rice
- Sloppy Joes
- Taco's (I like to go ahead and season some for tacos and label the package accordingly)

For just a few dollars, I've got the base for several meals and I've saved myself time. It's great for those days when we have a lot going on and want to grab something quick.

Wednesday, January 16, 2008

T.V. Free

We don't watch regular t.v. in our home. It's not that we're morally opposed to it or anything like that. Although, there really doesn't seem to be much of value to watch.

We chose to disconnect our satellite service about 4 years ago. The monthly bill had doubled since we had elected the service. The cost seemed to be ever-increasing. It was difficult to justify almost $70 per month for t.v.

Without satellite, we don't have t.v. We are too remote for cable service and too far in a valley for decent antenna reception.

This was not the first time we had gone without t.v. I was unable to afford a satellite hookup for some time and we did without when we first moved into our home. In fact, I think we've only had t.v. for about 9 of my oldest daughter's 19 years... and 6 of those years were when we lived in the city and had cable.

We do have 3 television sets and we have dvd players for each of them. We rent dvds regularly and have found the most convenient and economical method is using Netflix. I love seeing those red envelopes in the mail! I love not paying late fees! And, I'm still paying less than half of what I did for satellite.

The brilliant part for us has been that we are not slaves to t.v. programming. Yes, I know tivo has helped resolve some of this issue. But, living t.v. free is even better. We don't have commercials, stupid repetitious news stories and other drivel pouring into our daily lives cluttering our minds. We choose what we watch and when we watch it.

I will admit that when I first gave up t.v. I suffered withdrawals. What to do with the extra time? What to do with the quiet? Well, I quickly filled the void. Then, I became aware of how much our culture revolves around t.v. I was in the dark when folks would discuss what they saw on t.v. the night before or the latest scandal. Soon, I found that I was rather blissfully unaware!

I keep up with current events through news on the internet. I watch t.v. programs I find interesting when they are available on DVD.

What have I gained? I save money. I have more time. I've spent valuable time with my kids as they've grown up doing homework, cooking, playing games, talking, reading, etc.

For us, removing the t.v. from our lives was a very positive step. So, try it for a few days. Turn off the t.v. and go t.v. free. See if it makes a difference for you and your family. You might be surprised!

Tuesday, January 15, 2008

Dog Biscuits

Buffy ran out of dog treats. She's been training well with the delicious incentive.

So, I went online and looked for dog treat recipes. I found one called Flea Hater's Biscuits. I had all of the ingredients on hand, so I mixed up a batch.

She hated them.

Wouldn't even taste them.

Hmmm... Well, I decided to use some venison we'd been given for a nice Venison Chili. When I drained off the fat and juice from browning the ground venison, I poured it over the failed dog biscuits. I popped them back into the oven to toast and brown.

She likes them! I saved $3 on dog biscuits by using staples in my pantry: flour, oil, wheat germ, brewers yeast (I just happened to have received a small bottle in recent weeks), salt and chicken broth (I used my stock of buillon powder).

I'm not sure how to tell if a dog treat recipe will taste good to a dog or not, as yet. But, there a lot of them available on the internet to try. They're pretty simple and it's fun.

Monday, January 14, 2008

Cookbooks & Sweet Potato Pie

I love cookbooks. I have a bookshelf full of them and room for more. Most of them have been gifted to me over the years. The first ones I received when I was 16. My grandmother was terminally ill with cancer. We had enjoyed cooking together over the years. She called me over to her bed and told me she wanted me to have her Woman's Day Encyclopedia of Cookery volumes (circa 1966). I cherish those books.

From there, I've received other books from family and friends who know my joy of cooking. The interesting thing to me about receiving these as a gift, is they represent what that person knows of you... and it's somewhat intimate when a person knows what you like to eat and cook. It is somewhat nurturing when they want to somehow share that with you. Maybe I make too much of it.

But, when I look at my cookbook collection, I smile when I see the 4 Ingredient Cookbook gifted to me by a friend who knew when my life was busy and chaotic. As we worked to remodel and build an addition on our house, this cookbook allowed my young daughters to easily prepare meals for their tired, bedraggled parents. Or when I see The Vegetarian Grill, gifted to me by my brother and sister-in-law who know my husband's love for the garden and our enjoyment of eating veggies cooked in interesting new ways. A glance at The Trellis cookbook brings back memories of visits to that (one of my favorites) restaurant when I lived in Virginia. And, the church cookbook gifted to me by a family friend will always be treasured for her handwritten notes in the margins about the recipes.

Yesterday, as I was preparing to make sweet potato pies, I wanted to try something new. I looked first in my grandmother's cookbooks, my source for the most basic and time-honored recipes. Then, I pulled out Emeril's TV Dinners, a book I gifted my husband who loves Emeril. In those pages I found a recipe for Sweet Potato and Pecan Pie. I glanced back at my grandmother's cookbook. There was a recipe for Sweet Potato Pecan Pie. Hmmm... I compared the recipes. I decided to use the Emeril recipe with some minor adjustments based on the older recipe (sorry, Emeril). Fortunately, I still had a bag of pecans left from the holidays. So, we were in business.

My daughter and I began mixing and stirring. Funny thing, she doesn't really like to cook. But, she's quite good at it. We managed to make three pies from the leftovers of our holiday pantry stock. But, more importantly, we spent some valued time together and shared some giggles. I think of Like Water for Chocolate and wonder if the pies will bring smiles and giggles to those with whom we shared them. They should. I couldn't wait any longer and stole a piece while the pies were still cooling. As Emeril would say, "that's what I'm talkin' about!" It was incredible.

I carried a pie over to my brother and his family while it was still warm. I have half a pie each for my mom and my father-in-law. For just a few dollars, some valued time in the kitchen, and some giggles... I was able to spread the joy with others and let them know that I appreciate and love them.

If you like the Thanksgiving side dish of sweet potatoes with the pecan, brown sugar topping, then you will LOVE this. I'll not infringe upon Emeril's copyright. You can find the recipe here: http://www.emerils.com/recipes/by_name/sweet_potato_and_pecan_pie.html I altered it by using sugar instead of cane syrup, although I had about 2 1/2 pounds of sweet potatoes I only doubled the recipe and I used my mom's pie crust recipe instead of Emeril's. Also I mixed the pecans into the the egg and sugar mixture and poured it over the top. I didn't make the chocolate sauce nor did I top with whipped cream. (Sorry again, Emeril) Even so, it was wonderful. Really, very wonderful.

In the winter, I like to do my baking as the sun is setting or on the coldest of days. I like to have the heat from the oven help with heating the home. I also open the oven door to let the heat escape into the room after I've finished and the oven is cooling.

So, I went to bed smiling, proud of my accomplishment and very pleased with the results. Then, I thought of those who would enjoy my efforts and imagined them smiling broadly after they took their first bite. I slept pretty well after that.

Sunday, January 13, 2008

Staying Warm

My parents' house was heated solely with a wood burning fireplace when I was a child. I have many memories of coming inside on a cold winter day and standing in front of the fire to warm myself. We'd hang our wet socks and gloves all around the fireplace to dry before we went out again. There was nothing that could warm you when you were chilled to the bone, like standing in front of that crackling fire.

However, there were drawbacks to this method of heating. The further one was from the heat source, the colder the environment. On very cold winter nights, we would close off our bedrooms and sleep around the fireplace in the living room. One particularly cold winter, we hung a blanket over the entrance to our hallway in addition to closing all the doors and the family lived in the front portion of our home.

When I was in High School, they added a wood burning furnace. This allowed them to utilize wood as a fuel source and have the heat piped to each room of the house. Brilliant!

Though I live on the same land where I was raised, I'm in a different house. We are fortunate that we live on a fairly large plot of forested land. Trees are abundant. It only makes sense to utilize the fuel we have available in abundance. We prefer to harvest standing dead timbers. The live trees we cut are usually selected to improve the health of our forest. Overgrowth is not healthy. This is one of the many things my dad taught us about forestry management.

I chose not to utilize wood as my only fuel source for heat. Between the extra dust, ash, wood chips and having to cut, haul, split wood... I wanted something a bit more convenient. But, I also wanted to be practical. We have a wood burning stove in our living room in addition to an electric heat pump. We burn a fire on the really cold days and nights to reduce the efforts of our heat pump and reduce our electric bill. And, it's still really nice to come in from the cold and stand next to the fire to warm up. Oh, and if the power goes out (as it does when the ice is bad) we still have heat!

One winter we had ice so bad that we were isolated for 2 weeks. Our power was out for 5 days, we ran out of propane (our cooking fuel source) and the pipes froze. I became resourceful and recalled experiences from my youth. The wood stove became not only our source of heat, but also water and food. We are fortunate to have a creek in our backyard. Buckets of icy water were heated on the stove for sponge baths, brushing teeth, and cooking. Toilets were flushed with snow and ice melted down in pots on the stove. Stews were made on the stove. Potatoes were roasted among the coals. I'd forgotten how good potatoes roasted in the coals could taste.

Since I was reminded, I now bake my potatoes among the coals on cold days. Baking potatoes in the oven takes a long time (an hour or so) and uses a lot of fuel. If a fire is already burning, it is simple to toss the taters in the ashes and let them roast.

I decided to do this yesterday. On my pantry prowl the other day, I noticed we had about a dozen sweet potatoes that were about to go bad. What does one do with so many sweet potatoes? Roast them! And then, use some for pie, some for bread, some to eat warm with butter.

That's what I did. I washed the taters, coated them in shortening, wrapped them in heavy duty aluminum foil and tossed them in the ashes of the fire. The taters that already had bad spots and would not roast well (about 4 of them) were peeled, the bad spots cut out, chopped and boiled. Now, boiling sweet potatoes is my least favorite method of preparation. They just don't have as much flavor. But, rather than waste them, I could boil them, mash them and use them in bread.

Roasted sweet potatoes have an incredible flavor. Slow roasting them among the ashes helps the sugars to carmelize and the flavors to reach their peak. I love to eat them warm with just a pat of butter. But, having so many, I decided to make sweet potato pie with those leftover after supper.

Today, I'll be baking in the kitchen!

Saturday, January 12, 2008

Making the Most of What you Have

I'm not so good at planning ahead when it comes to shopping and cooking. I tend to buy what is on sale in addition to what I need. Or, I'll buy the 10 lb. bag of potatoes when I only need a few at the time, because the 10lb. bag is actually cheaper than the 5 lb. bag or buying only a handful of potatoes. It's hard to pass up a good bargain.

The problem with this can be not using the food that was a bargain before it spoils. Then, it just becomes a silly waste of money. The extra potatoes from the huge sack are often forgotten until they are a little funky. We don't eat that many potatoes apparently.

To resolve this and make the most of my budget, I prowl through the fridge and pantry at least once a week (sometimes more often) and see what needs to be used. Yesterday, it was potatoes. I had about 1/2 - 1/3 of a 10 lb bag left that needed to be used before they found their way to the compost pile. In addition to potatoes, I found some celery, carrots and a bit of onion all left over from holiday cooking and still in good condition... for now.

Being a chilly day, it seemed perfect to make a big pot of potato soup. Yum! I'll include my recipe, but I have to say that soups are one of those things I don't really follow a recipe to create each time. Usually the first time I make something new I do follow a recipe. Then, after that, it becomes my own and I will adjust things here and there for what's on hand. That's what I did with the potato soup I made last night and it turned out wonderfully delicious!

Potato soup is a great budget stretching item. Potatoes are inexpensive. You can get enough to make a huge pot and feed a crowd for only a few dollars. It is very filling and can stretch a meal when served with sandwiches or as an appetizer. Personally, I like a steaming bowl with some crusty bread or rolls.

Potato Soup

3 tablespoons butter
1 cup onion, chopped
2 cloves garlic, minced
2 tbspns flour
4 cups potatoes, peeled and cubed
2 cans chicken stock (or add chicken bullion cubes to water)
1 cup milk
Salt and pepper

I had about 3 times the amount of potatoes needed, so I used a bigger pot and adjusted the recipe. I used a bit of oil with the butter to stretch it. Melt butter in a large saucepan. Add onions and garlic, cooking until soft. I added 1 carrot, peeled and sliced and 1 stalk of celery, chopped to this recipe last night. If you add additional veggies like this, do so when you are sauteƩing the onions and garlic. Add flour to make a rouƩ, then add potatoes and chicken stock to barely cover the potatoes. I had on hand some chicken broth powder that we picked up inexpensively at the local bargain store. I used water and about 2 tablespoons of the powder. Cook, covered, until potatoes are tender (15 to 20 minutes), stirring frequently. Add milk and season to taste. Milk was in short supply last night, so I skipped the milk and added more water to the cooking process. The flour had thickened the broth nicely and I used my spoon to mash some of the potatoes to make it a bit thicker. It worked fine without having milk in the recipe. Heat until thickened and creamy.

This made a decent pot of soup and we have some leftover in the fridge. I took a picture of some in the pot so you could see how yummy it looked... too bad we still don't have smell-a-vision. Today I'll freeze some of the leftovers for another day.

Enjoy!

Friday, January 11, 2008

Fried Pies

Fried Pies are a tasty treat from my childhood. On cold winter days, mom would make them for us. We'd come in with our fingers red from the bitter cold after completing our daily chores and grab the warm treats. They warmed our hands and our bellies.

They are simple and inexpensive to make. I went browsing in our pantry this morning and spied a $1 box of dried apricots from the dollar store. Being a cold day, it seemed just right to make apricot fried pies today.

I begin by soaking the apricots in a small pan with about an inch of hot water over them. I let them soak for about 20 - 30 minutes. Then, I begin to boil them. As they cook down I add about a cup of warm water. I keep doing this until the apricots become soft and they cook down to a thick jam-like consistency. Add sugar, if the apricots are not sweet enough. I've heard a splash of bourbon is good too. Depending on the amount of apricots (my box was 5.5 oz), it can take an hour or longer to properly cook down the fruit. But, it's worth it! Be sure to stir occasionally to keep from scorching. Remove from heat and allow to cool thoroughly.

While the filling is cooling, prepare the pie crusts. I use my mom's tried and true recipe. But, the secret is not so much in the recipe but in the handling of the dough.

2 cups flour
2/3 cup shortening (Crisco!)
1 tspn salt
1 tbspn sugar
1/3 cup ice cold water (approx.)

Cut the shortening into the flour & salt using a pastry cutter (or a fork) until the flour dough makes pea sized lumps. Leave some lumps... this makes the dough flaky Add the ice water and mix dough quickly - don't stir it too much, you want to stir until just mixed and add water if you have too much flour not worked in. The dough should be stickier than normal pie crust dough but should be slightly less wet than biscuit dough consistency. Form dough into four dough balls. Wrap in plastic wrap and refrigerate the dough for at least 20 minutes, letting it rest. Then, roll dough ball into a circle on a floured surface to about 3/8 inch thickness. Don't overwork the dough or it will be tough, just a few pushes in each direction with the rolling pin (or wine bottle, clean broomstick handle).

Take the filling and place off-center in the middle of the circle. Fold 1/2 of the dough over and seal the edges with water and crimp with a fork. You will need to pick up the filled pie with a spatula or it will burst from the weight of the filling. Alternately, place the dough circle on waxed paper prior to filling and use the waxed paper to transfer the filled pie to the frying pan.

Now, you can either deep fry or pan fry in about an 1/2 inch of hot oil, turning over when the edges have browned. I believe the proper temp is about 360. Fry until golden brown. Drain on paper towels. You can mix powdered sugar and water or milk and drizzle over the top, dust with powdered sugar, dust with cinnamon sugar or eat plain. Makes 4 fairly large fried pies.

You can also use ready-made pie fillings and make all different flavors of fried pie treats!

Enjoy!

A Painted Line

The economy is getting worse. At this point, you'd have to live on a self-sufficient island not to notice. Oil prices are at a new high... slightly over $100/barrel. The economic impact is undeniable. The price of everything is rapidly increasing.

Until recently, the quest for the simple life and living frugally was something of a novel idea. There was something reminiscent of a bygone era and a simpler time. Folks would tighten their belts for the thrill of a bargain and the defeat of commerce. Or, as a mere escape from their busy "rat race" lives. Now, it has become necessary to pursue this lifestyle because it is more and more difficult just to pay the bills each month.

I have an advantage. I was raised living the simple life in the Ozark foothills of northern Arkansas. My childhood was from a bygone era. I've often compared it to "The Waltons" - with the major exception being that my experience was in the 1970's rather than the 1930's. We milked cows, churned butter, gathered eggs, made bread, split wood, planted crops, canned vegetables... and worked to live off the land. I am not enamored by the romantic notion of these pursuits for the "simple life". That life is not simple. It is hard. It is work. But, I know that I can do it and I know how to do it. The beautiful part is, I can choose where and how I implement my knowledge to create a combination of convenience and cost-savings that better fits my life.

Thus, here I am... sharing my tricks, tips, insights and daily happenings in an effort to impart some words of encouragement and maybe some wisdom here and there to those who are pursuing a more frugal life in order to reduce their financial burden. I hope it helps.

Oh... about the name of the blog; it is a reference to women painting stripes on their legs when stockings were in short supply.

Enjoy!