Frugal Living

Things My Family Does to Save Money

My family and I have a list of things we do in order to save money. In the last year (can you believe it has been a year?) we have gotten even better at saving and living frugally. I also think that living a frugal life leads to a more satisfying life. To slow down and appreciate what you have rather than what you don’t is satisfying. We are certainly not perfect. I have been known to go down the Amazon rabbit hole and purchase things I don’t need. But just like weight loss and exercise, you can try again. Here is just a few of the things we do:

  1. My husband makes a big batch of something every couple of weeks and freezes it in individual containers for his lunch. Chili is his favorite. But he we will mix it up with options like chicken curry. We buy the meat in bulk and most of the time, he uses vegetable we have on hand. Most of the time, he freezes two weeks worth of meals in sour cream and cottage cheese containers we have saved for that purpose.
  2. Don’t waste food. Turn old vegetables into broth, milk into yogurt or fruit into ice cream topping.
  3. I am in two book clubs, both via zoom for now. I get all of my books from the library or audible. To be in a book club is free. Twice a month I spend time with friends, laughing and discussing books. We meet without fail, on a specific date. You don’t have to spend a lot of money in a restaurant or bar to socialize with friends.
  4. Audit your insurance premiums on a regular basis. Every other year I contact our insurance agent to make sure our premiums are correct. Every single time, he has found that our cost to rebuild our home is too high for the area we live in. We have received several refund checks over $150 over the years. I also take my kids on and off our auto insurance based on if they are at school. I am not going to pay for auto insurance that is not being used.
  5. Do you have cable and every streaming service out there? We cut our cable. We utilize the streaming services, a lot of them actually. But, we stay home a lot and enjoy movie night at home, with home cooked meals, in our pajamas.
  6. I roll errands into one day. The environmentalist in me is more the reason for this choice. But, it saves us a lot of money. It is not uncommon for us to go several weeks without have to fill our gas tanks. I have Thursdays off of work, so on that day I do the grocery shopping and any other errands that need to be done.
  7. Look into the rewards programs at local businesses. Our vet has such a program. Reward points are given with each dollar spent and when we reach a certain point, a $100 credit is placed on our account. It’s an easy way to make money off of money you already have to spend.
  8. Enjoy the simple things, like doing a puzzle or playing a board game at home. I am always exchanging puzzles with people.
  9. Turn your thermostat down. Ours is set at 68 during the day and 60 at night. I will admit to adjusting that the last couple weeks as the midwest is in a serious deep freeze. I do not want to wake up to frozen pipes because saving a few dollars was more important. Sometimes you have to spend a little extra to avoid spending a lot.
  10. Cancel subscriptions your don’t use.
  11. Plant a garden in the summer and preserve it for the winter. Take advantage of local fruits and vegetable you aren’t growing yourself when in season and preserve. We are still eating canned tomatoes, red peppers, salsa, pasta sauce, jams, pie fillings, apple sauce and countless other summer treasures. So far, I know that I did not make enough pasta sauce, canned tomatoes and jams. We have A LOT of relish though.
  12. Make your own cleaning products with baking soda, vinegar, hydrogen peroxide and vodka. The internet has an endless supply of recipes to make these things at home.
  13. Automate savings. We have a certain amount of money taken out of our checking account and invested into a mutual fund every two weeks. We have learned to live without that money. We also have been having money invested into 529 plans for our kids since 1999. Our oldest graduated in December. When we paid his final tuition payment in September, we just took that amount and started to apply to the account of our middle child. Once she graduates, number three will get the full amount invested every month.
  14. In the summer use the sun and wind to dry your laundry. It is completely free.
  15. Take up a hobby that also provides home goods. I have been making my own candles and taught myself how to make soap recently.
  16. Utilize Goodwill. I will admit that I don’t do this. But my husband and daughters do and they save a lot of money on clothing. Personally, I do not have the patience to go through everything. I wish I did.

I know I have missed a lot of ideas. Please send me anything I have missed, I love hearing what other people do.

Books

Book Review – Nothing to See Here

Nothing to See Here by Kevin Wilson is a book that I picked up and put back several times. The description did not intrigue me at all. But, I finally decided that it was time to give it a chance. The reviews warranted a chance. I am so glad that I did.

Lilly is asked to take care of the step children of her former best friend. Bessie and Roland spontaneously combust. That’s right, they catch on fire. Being an unapologetic realist who will not read fantasy. Who also stayed away from cartoons with talking animals as a child, because animals don’t talk, this was not for me. As crazy as it sounds, the combustion is not the main focus of the story.

It turns out that this is a story about second chances, children who find love in unexpected places and forgiveness. 

Recipes

Vegetarian Lasagna

Last night I made a vegetarian lasagna. I used frozen zucchini from the summer garden, tomato sauce canned over the summer from the garden and herbs from my indoor herb garden. I used cottage cheese, instead of ricotta. I have cottage cheese that I need to use up. I remembered that the lasagna of my childhood had cottage cheese and a google lookup proved that was the standard of the 70’s and 80’s. It turned out really good and my daughter told me she didn’t notice the difference.

INGREDIENTS

  • 2 cups zucchini
  • 10 oz frozen spinach
  • 24 ounce jar pasta sauce
  • 1 teaspoon oregano
  • 1/2 teaspoon black pepper
  • 1/2 teaspoon Kosher salt

For the filling:

  • 1 1/2 cups full fat small curd cottage cheese
  • 1/2 cup shredded Parmesan cheese
  • 2 cups mozzarella cheese
  • 1 tablespoon fresh basil
  • 1/2 teaspoon salt
  • 1/2 teaspoon black pepper

For the lasagna:

  • 9 no boil lasagna noodles
  • 1 cup shredded mozzarella cheese

INSTRUCTIONS

  1. Preheat oven to 350 degrees. Spray a 8 x 8 inch baking dish with cooking spray. Mine is 8 x 8 because of my use of the countertop oven.

For the sauce and noodles:

  1. Defrost frozen vegetables and dry off excess water with paper towel

For the filling:

  1. In a medium bowl, stir together the cottage cheese, 2 cups mozzarella, Parmesan cheese, basil, salt and pepper. Set aside.

To layer:

  1. Spread a thin layer of tomato sauce on the bottom of the pan. Top with 3 noodles laid lengthwise in the pan. Spread half the cheese on top and the spinach followed by 3 more noodles. Spread half the cheese on top and the zucchini followed by 3 more noodles. Spread the remaining sauce over the noodles. Put foil on pan, bake for 35 minutes. At 35 minutes, add the remaining mozzarella and bake until bubbly.

Books

Book Review – A Promised Land

When you start A Promised Land, you are making a commitment. At nearly 700 pages, once you start, you will need to keep going in order to not lose your momentum. Did I mention this book only covers Obama’s life up to the end of his first term in the White House? Part two will be coming in the next few years.

Now that I have covered the monumental challenge of getting through the book, I give it 5 stars without hesitation. While full of facts, Obama has a way of writing that keeps the reader engaged. A lot of the things that were talked about in the book were also mentioned in Michelle Obama’s book Becoming. That made it a bit easier to get through all of it because I already knew what was coming, so to speak.

It is no secret that his presidency was at odds with the Republican leadership in the House and Senate. But, I had no idea how much resistance he actually encountered. It’s remarkable that anything got done and no surprise that executive actions needed to be taken in order to get much of his agenda done. It will be interesting to read the next book and to see how bad things really were.

Full disclosure, I am an Obama fan. I think that he has a genuine kindness in him that is rare in politicians, of either political party. He is a great public speaker and speaks from the heart. So, it would be fair to say that my review might be biased.

Recipes

Valentine’s Day Cookie Recipe

Yesterday I made Valentine’s Day sugar cookies to celebrate the holiday of love, and really cute colors and hearts. They turned out delicious and the perfect treat.

Cookie Recipe

2.5cups all-purpose flour, 1/2 cup whole wheat flour

3/4 teaspoon baking powder

1/4 teaspoon salt

1 cup unsalted butter, softened

1 cup sugar

1 egg, beaten

1 tablespoon vanilla almond milk

flour, for rolling out dough

Directions

  1. Sift together flour, baking powder, and salt. Place butter and sugar in large bowl of electric stand mixer and beat. Add egg and milk and beat to combine. Put mixer on low speed, gradually add flour, and beat. wrap in waxed paper, and refrigerate for 2 hours.
  2. Preheat oven to 375 degrees F or in my case 325 degrees F because I use a countertop oven
  3. Sprinkle surface where you will roll out dough with flour. Remove the wrapped pack of dough from refrigerator and sprinkle rolling pin with flour, and roll out dough. Cut into desired shape, place at least 1-inch apart on baking sheet with parchment, and bake for 7 to 9 minutes or until cookies are just beginning to turn brown around the edges. Let sit on baking sheet for 2 minutes after removal from oven and then move to complete cooling on wire rack.

Frosting

2 tbsp butter softened

2.5 cups powdered sugar

2 tbsp vanilla almond milk

1 tsp vanilla extract

food coloring or sprinkles

Put all ingredients in a mixer. Add milk until it’s the consistency you want.

Spread on cookies and decorate with sprinkles

Happy Valentines Day

Books

Book Review – The Four Winds

Kristin Hannah’s writing has gotten better with each book. The Four Winds seems to be a culmination of decades of writing just to get to this point. Her research is impeccable and writing is rich.

The Four Winds is a masterpiece. One of those once every couple years books that we call the Great American Novel. This one gets to the heart of what is wrong with America. Set during the Great Depression, Elsa and her children are force to migrate to California from the dust storms of their home in Texas. Promised a better life in the land of milk and honey, they leave Texas in the hopes of being able to live the American dream.

However, when they get there, they find that the prejudices that still plague America are in full force. Blamed for all that is wrong, the Okies take jobs and bring crime and disease to California. Sound familiar? Paid slave wages to pick cotton for hours, and forced into a lifetime of debt, Elsa and her children barely survive. It is beyond heartbreaking and a true lesson in the fact that America really has not progressed from those prejudices from nearly a century ago.

I won’t lie, there is not happy ending with this one. This is not a beach read and you won’t walk away with a smile. But, historically this one is so important. And, if you want to truly understand and acknowledge the prejudices that still exist in our own country in regards to immigrants from Mexico, Central and South America, I highly recommend this one. 

Frugal Living

Frugal Friday

Happy Valentine’s weekend! I love Valentine’s Day. I am not sure why, I think my love of hearts and the colors of the holiday have a lot to do with it. We are in the midst of a cold snap that is beginning to feel like it will never end. We haven’t seen double digit temperatures in at least a week. I am a firm believer in climate change, but when it gets this cold, I have to remind myself that extreme cold is also a sign of a warming planet.

We had a pretty frugal week. Here is the rundown of our savings.

  1. My car battery is giving me a lot of trouble, which is no surprise given the cold. I almost bought a new battery, but the sales guy at Auto Zone suggested a battery charger first for $100 less. He told me that if it doesn’t work, I can get a refund. Well, it worked.
  2. I made a huge batch of lavender soap. It smells wonderful.
  3. I also made beeswax and soy candles, using essential oils for fragrance.
  4. Last Sunday I made a roasting chicken and with it I made chicken stroganoff, chicken soup (that provided 3 meals) and chicken broth.
  5. I spent today cleaning out closets and getting rid of stuff we don’t need. I cannot believe how much crap we accumulate. We need to be better about throwing stuff out that we no longer need.

What did you do this week to save money?

Books

Book Review – The Truth About Melody Browne

Can we all just agree that Lisa Jewell is the best author out there right now? I know that she has been well known in the UK for quite sometime now and in the last couple years has picked up popularity in the US. She is a gem and every single one of her books tells a story I care about.

The Truth About Melody Browne tells the story of a woman who remembers her long forgotten childhood after being hypnotized as a 33 year old mother. It turns out that what she thought was a sad and lonely childhood was actually filled with people who loved her very much. I absolutely loved this story and was so sad for it to end.

Please put this one on your TBR list, definitely 5 stars.

Frugal Living

Frugal Friday

What a week! I dropped my youngest off at college last weekend. No matter how many times I do that, it never gets easier. I miss her so much when she is gone. I don’t like to let her see me sad when I leave, so I have a tendency to save those tears until I am safely in the car.

We had a wonderful time together though. We went to the city her school is in a day early. We stayed in a hotel (a first in a year). I found it to be safe, as no one was really around and we just went from our car to our room. We were able to visit my parents for dinner for the first time in a year. We spent the day shopping, having lunch, talking and laughing. It was such a nice way to spend our weekend together.

I certainly did not save a lot of money because of this, but pennies were saved elsewhere:

  1. We are going through the freezer vegetables from our summer garden and the canned goods. I made a delicious zucchini bread using apple butter I made with local apples.
  2. We had some milk way passed it’s peak. Eric used it in two loaves of bread and a batch of yogurt.
  3. We managed to shave $90 off of our energy bill this month. I think it probably has something to do with the fact that our dryer belt broke and we are still waiting for the part. All laundry is being air dried right now.
  4. I remembered to take my daughter off our auto insurance, which in turn takes her off our umbrella policy, saving us about $200. Remembering to review insurance is always an easy to save money.
  5. Utilized several rewards dollars again this week from Walgreens, Kohl’s and our local food co-op.

I am so excited that I write this as we enter the month of February. Proper spring weather is still several weeks, if not a couple months away. But, I look forward to being able to be outside again, so my son can start coming home again. During COVID, he hasn’t been home. Since we live in a cold climate, we are required to be indoors most of the time. Making it tough to have the family dinners we are so used to having together.

What did you do this week to save money?

Books

Book Review – The Pull of the Stars

The Pull of the Stars by Emma Donoghue might be the most appropriate book for 2020-21. Set in Dublin, during, wait for it, the Spanish flu. A book that mirrors the life we are living now. More than once the characters were told”wear your mask” or “stay home”. The same rules apply today.

This book focuses on three women working in the maternity ward of a hospital in Dublin Ireland. The patients are both in labor and have the flu. In three short days, those working in the ward lose patients and save patients. No happy ending to be found here. But so good and so relevant to the world we are living in.

My favorite part though, was the prescription of whiskey for all the women. Honestly, if I would have been given a shot while in labor, it might have been easier to get through. I highly suggest putting this one on your TBR list.