Hi ya’ll! I’ve been taking and editing about 75-100 photos per night for Vacation Bible School this week! Not a lot of new recipes going on, but here is….
What I did learn this week in the kitchen:
1. You can double the Whole Grain Chia Waffle recipe. It does great! I add an extra 1/4 cup of milk because the batter is a little on the thick side.
2. You can use a whole pound of Italian Sausage or Italian Turkey Sausage instead of 1/2 beef and 1/2 sausage in the Tortellini with Italian Sausage.
In addition, I wanted to include how we save $3800 per year. I know there are a LOT of lists out there. I tried to keep this practical and thought-provoking and hopefully something new.
Where did I come up with the $3,800 figure? Here is my breakdown:
1. Haircuts at Home ($240)
I purchased a Wahl Hair Cutting kit back in 2004. The new one they have looks really cool! Mine’s all black and boring. This kit that I bought in the past did come with a DVD to help learn how to cut hair. Back to our regularly scheduled program…
I help cut my husband’s hair about once every 4-6 weeks. At $15 per cut (and that’s not including a tip) and 8 cuts per year = $120 (or $1200 over 10 years!)
I use the same Wahl clippers to cut my son’s hair once every 6 weeks or so. Let’s say he is cheaper at the hair salon and we don’t tip (which would be bad… but I don’t want a tipping debate on how much to tip and how I skewed my numbers) = 8 cuts at $10 each = $80
Now my daughter’s hair needs cut only every 12 weeks or so. That’s $40.
For guys, it is relatively easy to cut hair. Use the right clipper guide for his hair (we like 1/2″ guide for overall and 1 and 1/2″ for the front). The instructional video is now on Youtube as well.
For girls, it isn’t so easy. But wait! There’s YouTube! In this 6 minute video, my daughter and I figured out how to cut her hair. Nothing fancy, but it’s what she wanted.
I can’t cut my own hair. If you need a cheap place to get a haircut, locate a salon school nearby. Our salon school charges $6 for a haircut.
2. No cable/satellite and no landline ($900)
Charter would LOVE to sell us cable and a telephone line. We played that game before – hook us in with a great intro rate and then after 12-18 months we are way in over our heads! Our family watches a handful of shows which are almost all on Netflix or Hulu.
I signed up for their free trials. I put the “Cut off” date for the trial on my calendar to alert me that my trial would end. But, instead we let it go and kept them both and cut off cable. I do miss watching “Elementary” and the “Food Network”…. Sometimes. But we DO get to watch: all the seasons of “Merlin” (I can’t believe it ended!), “The Good Wife”, “Castle”, “Once Upon a Time”, “Agent Carter”, “Marvel: Agents of Shield”, “Frasier”, “Third Rock from the Sun” and many others.
Amazon Prime has movies and TV shows as well. But it doesn’t work with Chromecast since they have their own “Amazon Firestick”. It might work for you though. Or we could just get the stupid stick. OR Amazon could change it so I can Chromecast without buying their stick! Ha!
3. Saving my money at Vanguard instead of a brick and mortar bank ($63)
Back when I had a full time job at Citibank, I was one of those weird people who listed to the afternoon radio talk shows. Here in St. Louis it was always about how to save money. Or in other words – the best way to use the money you have.
US Bank and many others have a savings account and/or money market account rate set for .05%. It used to be higher before the recession. But for now, it is .05%. You could get a tiny bit higher if you lock your money in a CD or deposit over $1,000,000 into a savings account that would earn .05% more and that would be silly.
At this rate, $1000 in a money market account would earn you 50 cents…..for the ENTIRE year. Putting that same amount into a mutual fund at Vanguard could earn $63 per year. (Assuming that the rates are going to be about the same… the past year earnings have been as high as 9%, but the lowest I have seen is 6.3% so I’m using that number).
Now #1: this is money invested. No future guarantees of course. But since the stock market will more than likely be higher in 10 or 20 years (we hope) then it is a better return. Actually with inflation, money sitting in a 0 or .05% account is losing money because of inflation. The best way to save is not to spend your money. True. But letting it sit also causes you to lose money through inflation depreciation.
#2: This is only money that you have AFTER you have an emergency fund in a liquid account like those savings and money market accounts that don’t make any money. In case something were to happen, an emergency fund is necessary and Dave Ramsey gives a great “baby steps” outline on how to get there and why.
#3 This is also money AFTER you have paid the debts off or refinanced the house. Say you have a mortgage for $100,000. Over 15 years, the interest is $24,305. Over 30 years, the interest is $56,567. That’s $27,000! (Based on 3% 15 year and 3.5% 30 year. 30 year mortgages are always higher because the bank is at a greater risk.)
Vanguard is one of the least expensive management firm out there and never changed or sold my accounts like other companies do. I did a search and some other people have done the same as I have: tried different places to invest and moved EVERYthing to Vanguard. Just a .5% change in the management fee can mean tens of thousands of dollars lost at retirement age. (I’m 35 years old, so gives you an idea as to why that would matter to me.)
Why do I have a Vanguard account? I taught public school for two years and therefore had money in a 403B retirement account. It’s like a 401K in the private sector. When I quit teaching, I wanted the money to earn a better interest rate somewhere with low overheard fees. So hence why I did all this research. No, we don’t have tons of money. I wish!
4. Investing in a toaster oven (my pizza oven) in order to eat out less ($1780)
I think I might spend more than average at the grocery store, but we started eating out a LOT less. Gas money saved, time saved, healthier eating and just better food over all. For our family of 4, eating at a fast food restaurant costs about $25 per meal. Do that once a week and you have $1300 per year. Eating at a sit down restaurant costs about $40 per meal – Do this once a month- at about $480 per year.
A few years ago, I purchased a toaster convection oven. What prompted me? It was 115 degree heat index here in St. Louis for almost 2 months and over 90 degrees for 3 months. Too hot to grill and too hot to turn on the oven.
I use the toaster oven every single day to toast bread, broil 4 grilled cheese sandwiches at once, bake pizza, roast vegetables, bake oatmeal, keep meals warm, bake appetizers, extra oven space during the holidays, and reheat leftovers so they are crispy and not soggy. Eating leftovers is super frugal. But sometimes they are not very good out of a microwave and 2 extra minutes in the toaster oven turns a cold, soggy pizza into a crisp, fresh slice of pie.
I know it was a little money to buy it in the first place, but avoiding eating out several times a year over the past five years as saved us ten times what it cost.
Where do we shop for food?
1. Aldi: produce, butter, cheese, cream cheese, raisins, peanut butter, canned tomatoes, canned pumpkin.
2. Trader Joe’s: dried fruit, nuts, tea, seasonings, chips, cage free eggs, milk, mascarpone cheese, baking powder, cookies, chocolate, frozen fruit and vegetables, lasagna, turkey corn dogs, white whole wheat flour, and the kids get a treat for finding the stuffed animal in the store.
3. Costco: fruit and nut bars, yogurt, meat, fish, frozen wild blueberries, fresh spinach, cinnamon, vanilla extract, cocoa powder, lemon juice, olive oil, strawberries in season.
None of these places take coupons I know. But after kid #1 got sick and almost ended up at the doctor’s office because of a “freebie” I found while clipping coupons, I stopped clipping them and started shopping at other stores.
5. Exercising at home instead of the gym ($840)
Our local YMCA charges $70 per month for a family membership ($70 x 12 months). This does include childcare and all kinds of cool things. People have different goals. People need the motivation of a gym membership and I get that. Being a healthy weight will save time and money in the long run as well.
One of the commenters on my blog mentioned “Fitness Blender” workout videos, and I have been hooked ever since.
1. I like their upbeat personalities
2. I like that there is no music.
3. They have a variety of low impact and high impact/challenging workouts.
4. They have a great website where you can put in your desired time, workout level, target area, etc.
5. These workouts really work! I gained 5 pounds this past year, but my clothing size stayed the same.
6. They wear normal workout clothes. (Sorry… watching bikinis every week 5 times a week? Doesn’t motivate me.)
7. Every video 100% quality and is 100% FREE.
I’m not saying Jillian Michaels does not work. I still love those workouts. But after 3 years of the same one, it is nice to pull from a different variety.
The past 3 years I have been at 135 pounds. This year recently I am up to 140 pounds. Truthfully though I tried on my jeans and they fit just fine. I think it is the heavier weight lifting on Fitness Blender that caused the weight gain. That or the Twizzler Bites cherry flavored 🙂
**Note: I am not paid to promote or post about any of these blogs, videos, websites or products. They are just items I use on a daily basis that help save us money and make every day go a little smoother.**
This soup is PERFECT for this time of year! Tons of tomatoes and basil are at hand and ready for picking right now. Not in the mood for hot soup in the summer? No problem! Cool to room temperature and freeze until winter.
- 3 pounds ripe plum (Roma) tomatoes, cut in half lengthwise
- olive oil cooking spray
- 1 tsp. kosher salt
- 1/2 tsp. fresh ground black pepper
- 2 cups chopped yellow onions
- 6 garlic cloves, minced
- 1 Tb. butter
- 1 -28 ounce can plum tomatoes, whole tomatoes or diced tomatoes, with juice
- 4 cups fresh basil leaves
- 1 tsp. fresh thyme or 1/4 tsp. dried thyme
- 4 cups water or chicken broth
- Preheat oven to 400 degrees. Line 2 rimmed cookie sheets with parchment or foil. Spray with olive oil cooking spray. Lay the tomatoes cut side up on the sheet. Spray with more olive oil cooking spray. Sprinkle with salt and roast for 40-45 minutes.
- In a large pot or Dutch oven, heat the butter over medium heat. Add chopped onions. Cook until translucent and turning brown – about 10 minutes. Add garlic. and cook 30 seconds.
- Add the rest of the ingredients: canned tomatoes, basil, thyme and chicken broth or water. Add the roasted tomatoes with their juices as well.
- Turn heat to medium high and get the soup up to a boil. Turn heat down to medium or medium low and simmer for 40 minutes.
- At this point, you can use a blender to puree the soup in batches, or an immersion blender, or a food processor, or a food mill with a coarse blade.
- Add salt and pepper to taste. I like to sprinkle shaved Parmesan cheese on top.