Saving money on T-G dinner on the morning show
Jasdip
8 years ago
last modified: 8 years ago
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carolb_w_fl_coastal_9b
8 years agosleeperblues
8 years agoRelated Discussions
OT: ways to save money in this economy...
Comments (44)Our story goes back to 2002, when my husband was laid off in the last downturn. We were living in a house that was at the top of what we were comfortable paying (though the banks thought we could afford oh so much more!). Fortunately, my husband was able to replace his income within a year by starting his own business, but it was a wake up call and we changed some things. The big things: -we live in a house that is about half of what we can afford and now have no mortage (we sold our more expensive house when we were at the top of our earnings) -we buy gently used cars with cash and drive them forever -we have catastrophic heath insurance and try to keep ourselves as healthy as possible through diet and exercise -we never spent money on preschool or private schools - we homeschool (though not for financial reasons, that's just a bonus) -we enjoy eating out, but we have potlucks with close friends more often. You can have an awesome potluck for what six families would spend eating at a restaurant! -no cable tv, just Netflix. You can watch television shows over the internet or get the DVDs from Netflix. -I purposefully cook to create leftovers. For example, my pot roast on Friday night became pot roast pasta on Saturday, so that stretched our meal over two days and saved us money. -No Starbucks or anything like that. Though like many here, we do spend some of our budget on wine ;). -I make a menu plan and a grocery list and I stick to the list when I shop. No impulse shopping! That'll get you every time. Things we haven't cut back on: -the housekeeper. They come once a week, and that will be one of the last budget items to go. It is a huge help to me as a homeschooler with a toddler, and I also don't want to hurt their business if I don't have to. -quality groceries/ organic. There are somethings I buy that are important to me and I don't mind spending extra on it. For example I prefer to buy Organic Valley dairy products because I prefer their business model to other organic producers that are available to me. -home maintenance. It's more expensive to replace an AC prematurely than to maintain it regularly. -giving. The people who need charity need it even moreso now. We also keep money in the budget for my husband to go on international mission trips, and I'll be doing that again after the baby is a bit older. Good thread!...See MoreNeed a laugh? Money saving dinners...
Comments (13)When I was working and DH wasn't, he would use Hamburger Helper, bought when it went on sale. It was him and me and two teenaged grandsons then. The guys really liked it. And I guess it was OK. Certainly filling. It calls for a pound of hamburger and I thought that was a bit much, so I asked DH if he would add extra noodles or macaroni by about two cups. We didn't notice a difference in taste and one package was enough to feed us two old people and fill up the boys. It's not a horrible choice, it's meat and pasta, although the stuff in the 'flavor pack' might be questionable. Serve a vegetable or a salad with it and you're certainly as well off or better for the meal than if you bought fast food. Now that I'm retired, I cook most of our meals 'from scratch', but I don't see anything wrong with using Hamburger Helper. It's a step in the right direction. I make goulash (we call it 'slumgullion') using 3 cups elbow macaroni, the equivalent of 1 can diced tomatoes and 1 can water (or if you have a quart of home-canned tomatoes, like I do, use that), a chopped green pepper, a chopped onion, salt and pepper, added to a pound of hamburger that has been cooked and drained. I cook my pasta separately and add it after it's cooked, but I imagine you could add more water and cook it all together, like you do the Hamburger Helper. I make hamburger stroganoff using a pound of cooked, drained hamburger, about 4 cups of dry egg noodles, 1/4 C. ketchup, 1 tsp. chili powder, about 1 and 1/2 to 2 cups of homemade cream of mushroom soup (which is nothing but a 6-oz can of mushroom ends and pieces, liquid included, and about a cup of chicken or beef broth to which I've added 2 Tbsp of cornstarch and about 2/3 cup of dry nonfat milk powder). If the kids are grossed out by mushrooms, you can leave them out and increase the broth, or whir them around in a blender with the liquid till they're not recognizable. I generally cook the noodles separately. When all of this is mixed together and hot, turn off the fire and add about a cup of sour cream, kefir, or buttermilk and mix well. Cheeseburger Macaroni is a little harder to make from scratch economically because of the cheese involved. Which is a shame because kids love the taste of cheese. Hamburger Helper and those boxes of macaroni and cheese have powdered cheese, which is cheaper for them to produce. I haven't yet found a powdered cheese that will duplicate the taste. Of course you can make the dish using real cheese or Velveeta, but if you're trying to throw together a low-cost meal, that would put it over the top. (if anybody has a cheap source or a method, chime in!) My grandsons had a little electric sandwich maker and they made a lot of grilled cheese sandwiches with it. They normally eat so much cheese that I buy the 5# package of sliced American cheese at WMT. (Some of those smaller packages are "cheese food", not cheese, anyway. Anytime each slice is wrapped in plastic to keep it from becoming a blob, you've got fake cheese). I open the big package and separate the block into about 4 chunks and then put those in ziplock bags. If it was just the old guy and me, I'd still buy it, and just freeze all but one of the bags. I've frozen it before, when I got a really good deal on it and bought extra, with no loss of texture or flavor. What this comes down to is, you don't want to send your kids to bed hungry. You fill them up however you can. Gourmet cooking is lost on kids and is not inexpensive. It's wonderful if you can afford it but when jobs are being lost and people are living off their savings is not the time to be buying shitake mushrooms and fancy cheeses. All that said, I wouldn't feed my dog stuff out of my pantry as treats. For one thing, you don't want your dog to get a taste for sweet things. Dogs don't really HAVE to have treats. BUT, most of them will do the happy dance while you're popping popcorn. I know one dog that will get excited if you just say the word. Or there are lots of recipes you can use to make home-made treats using simple things. If you save the fat from chicken broth or from frying hamburger and use that in the recipe, it adds extra flavor they love. When I cook a chicken, I cook the fat, skin and bones in water to cover in the crockpot all night after I have removed the chicken from them and poured off the first broth. This makes another good batch of broth and it softens the bones till they crumble between your fingers. After I have drained off this second broth, I put the bones and skin that's left into my food processor and whir it around till it's the consistency of canned dog food. Some of this can be added to the dog biscuit dough, or given as a treat in the food dish by the spoonful....See MoreSaving money while obtaining a vehicle
Comments (16)I also feel if I buy new it needs to last 10-15 years to be worthwhile. With even less than reasonable care, this is not impossible. Everyone has preferences on new vs. used, but the frugal in me says a vehicle is to get me from point A to point B reasonably dependably. My last vehicle lasted over 15 years and cost to repair would be unreasonably high though I would have put some money into it had I not been able to find a low cost vehicle to last a while. There are the "thrifties" out there that are known as "beaters" and "winter beaters" that will get you around. I bought a mini-van from an estate for $500. It was 10 years old and had about 140,000 miles on it. Ran like new. Not well maintained but ran like new, good tires, and though the body had its share of dings and scratches it wasn't rusted out. For a backup vehicle it would be fine. Turned out I bought it at the right time since the pickup gave up the ghost. I've put on 20,000 miles plus (at least) and it's going strong. I just had to put $1000 into it but the mechanic said it's solid and worth putting the money into it. 24 mpg now, comfortable and reliable. Sat outside over the winter and starts right away, even at -30F. Granted, the heater in a van is a joke, but that's not the vehicle's fault, it's the designer's. A friend of mine offered to sell me one of their company vehicles. A Lexus SUV with a book value of $22,000, for what they owed on it, about $16,000. But that had 90,000 miles on it and I said for my vehicle purchases, it's off by a decimal point! Since I can buy a new Mercury Marquis for the same money, I'd prefer that to the used Lex. I don't need a status symbol. If someone doesn't drive much, it's really worth looking at going the beater route if they don't have an ego. Carry a cell phone for about $5/mo instead of a car club and you can call for help if you break down. I personally feel people should have one in case of someone trying a bump-n-rob, or something anyway. And if the older folks get a flat tire, accident (deer or otherwise) or something it's worth having. Nuff on that. Since I have to drive for work, I need a vehicle. Our society has done everything it can to make public transportation impractical for far too many....See MoreSeason's Greetings and Money-saving Idea from Ole Joyful
Comments (10)Hi Jannie, If one of your daughters, at age 15, invests One Whole Dollar ... ... and manages to have it earn 5% rate of return throughout ... ... through 50 years of time ... ... when she hits the ripe old age of 65 ... that dollar will have multiplied 2-1/2 times - it'll be worth $11.00 and change. If she can manage a 10% return, it'll grow to $117.00 and change. No allowance in either case for the erosion of annual income by income tax, and of the value of one's dollar-denominated assets due to inflation. And when she buys a pack of cigarettes - she pays a lot more than a Buck for each one of them. Most of which goes up in smoke - though some stays in her lungs. And the residue can cause a lot of trouble. Can she imagine what people would think of her were she to stand on a main street corner in town and set on fire as many dollars as she spent on smokes that week? And do that at that street corner - every week? People would say that she was nuts. But - that would do her a lot less harm than using those dollars to buy smokes. Trouble is, though - in the U.S., I think that she'd go to jail: it's a Federal offence to destroy money, as it is Federal property. I do hope that your daughters decide that it is a destructive habit - and one of the worst addictions. I don't want to be a slave to a person - much less to a white paper tube filled with dead leaves!! That sounds some stupid, to me. As Dad used to say, "Looks like that person drove their pigs to a darned poor market"!! Good wishes to you - and especially them - for a New Year filled with common sense. ole joyful...See Morerhizo_1 (North AL) zone 7
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