Archive for the ‘Money & Finance’ Category

DIY Cold Brew Coffee Recipe

Saturday, February 21st, 2015

DIY Cold Brew Coffee Recipe Header

Make your own cold brew concentrate at home with this easy recipe. This coffee recipe is, guaranteed, to save you tons of money. Make a copycat Starbucks cold brew at home.

Are you a year-round iced coffee drinker too? In my house, I try to keep a pitcher of cold brewed coffee in the refrigerator at all times.

To me, there is no season for cold coffee. Cold coffee season is 365 days a week.

Have you tried the cold brew method before?

It couldn’t be easier (or more affordable).

If you have been relying on your drip coffee maker, as a coffee base, you are missing out on the rich flavor of a true cold brew.

My recipe shares the perfect water ratio and can be ready in, as short as, 24 hours. Personally, the stronger the better though so I recommend giving this a full 48 hours to set up. 

Today I’m partnering up with Wild Oats Organic to show you just how easy it is to create a batch of cold brewed coffee for all of your summertime coffee needs!


Cold Brew Coffee Pouring Milk

DIY Cold Brew Coffee Recipe

This recipe doesn’t require any special equipment except a pitcher, cheesecloth, and filtered water, and coffee.

If you would prefer to use a cold brew gadget, I’ll share my favorite with you below.

What is Cold Brewed Coffee?

Cold brew, also known as cold press coffee, refers to the process of steeping grounds in room temperature or cold water for an extended period.

 Once you strain the coffee grounds, you are left with a coffee concentrate to mix with water or milk. You can also add in flavors or sweeteners (if desired) to create your own perfect cup of coffee.

It’s easy and affordable to make your cold brew coffee at home, but what about the flavor? Cold brewed coffee naturally seems sweeter due to its lower acidity.

The coffee beans in cold-press coffee never come into contact with heated water. This ends up producing a completely different chemical profile from conventional brewing methods.

There is also high levels of caffeine in a cup of cold brewed coffee compared to hot brewed coffee.

More caffeine means it’s far superior to hot coffee too because now you can do ALL THE THINGS.

I consider this my summertime superpower.

Adding Ground Coffee to Pitcher

Pouring Water Into Coffee Grounds

mixing the coffee grounds with water

straining ground cold brew coffee over pitcher

straining ground for cold brew coffee

Strained Cold Brew Coffee

As you can see in my picture tutorial this is the easiest method. Best of all, you can make a big or small batch of coffee with this method.

While coarsely ground coffee is ideal, I tend to make things easy on myself and just purchase ground coffee. I usually have pretty good results with it.

I find that cheesecloth over my mesh strainer helps to keep the grounds out. You definitely want a coffee without the grounds at the bottom.

Here are a few commonly asked questions!

DIY Cold Brew Coffee

How much milk should I put in my cold brew coffee?

The biggest struggle for me when purchasing my coffee out is the milk substitute offerings.

Almond milk is my favorite addition to iced coffee, but most coffee shops don’t offer this as an option.

Thankfully, I can make my own at home now.

Experiment with different milk types like almond milk, soy milk, coconut milk, half-and-half.

Consider trying a delicious Vietnamese coffee by adding some sweetened condensed milk for a decadent treat.

I prefer a half to half ratio on coffee to milk especially. Remember, the cold brew concentrate is very strong.

What are some ways I can flavor my iced coffee?

Have you ever made your own simple syrups? It really could not be easier. Not only is this concentrate nice to have on hand for your morning coffee, but also for fresh summer cocktails.

The process of creating these is a simple one.

Simply mix equal parts sugar and water in a saucepan.

Heat this liquid until your sugar dissolves. Finish by adding your favorite flavorings to create your syrup.

I store these cooled syrups in my fridge in mason jars for whenever the iced coffee mood strikes me.

diy coffee syrup recipes:

Vanilla Coffee Syrup

1 cup water

1 cup sugar

1 vanilla bean, split lengthwise

1 teaspoon vanilla extract

Combine the sugar and water in a small saucepan.

Scrape the seeds from the vanilla bean into the pan and throw in the pod.

Heat the mixture over medium-high, stirring occasionally, until the sugar has dissolved. Reduce the heat to low and let simmer, about 10-15 minutes.

Remove from the heat, discard the vanilla bean pod and stir in the vanilla extract. Let cool. Store in the refrigerator.

Caramel Syrup

¾ cup sugar

½ cup water

¼ cups caramel sauce

Combine the sugar, water and caramel sauce in a small saucepan. Heat the mixture over medium-high, stirring occasionally, until the sugar has dissolved and the mixture is smooth. Remove from the heat and let cool. Store in the refrigerator.

Peppermint Syrup

1 cup sugar

1 cup water

2 teaspoons peppermint extract

In a small saucepan, bring sugar and water to a boil. Reduce heat to medium and stir constantly until sugar is dissolved. Stir in the peppermint extract. Cool to room temperature and store in a glass jar in the refrigerator.

Don’t Want to Strain Your Coffee? What Are My Other Options?

In the past, I have found that my French Press works great to help strain the grounds.

The ultimate gadget, however, is this fantastic cold brew coffee pitcher for your fridge.

The grounds are stored in a separate piece, making it easy to clean-up AND better on the environment.

Looking for a different style? Check out these cold brew pitcher options!

Speaking of the environment, make sure you are using a reusable straw and mason jar for your coffee.

DIY Cold Brew Coffee Recipe
 
Recipe Type: Drinks
Prep time:
Cook time:
Total time:
Serves: 2 cups
Make your own cold brew concentrate at home with this easy recipe. This coffee recipe is, guaranteed, to save you tons of money. Make a copycat Starbucks cold brew at home.
Ingredients
  • 4½ ounces ground coffee, coarsely ground (about 1¾ cups)
  • 3½ cups water (cold)
  • Wild Oats Cinnamon (for dusting)
Instructions
  1. Coarsely grind your coffee beans.
  2. Place the coffee grounds in a 2-quart pitcher, add the water, and stir to combine.
  3. Cover with a lid or plastic wrap and let steep at room temperature. The steeping should be at least 12 hours or up to 1 day.
  4. Line a fine-mesh strainer with a standard coffee filter and fit it over a medium bowl. Working in batches, slowly pour the coffee into the filter until all of the liquid has passed through the strainer. Do not rush the process and stop when you reach the solids at the bottom of the pitcher. Do not pour the grounds in.
  5. Discard the grounds and the contents of the strainer.
  6. Transfer the strained coffee into a clean pitcher.
  7. Cover and refrigerate until completely chilled, at least 2 hours or up to 5 days.
  8. For each cup of iced coffee, dilute the concentrate with an equal portion of milk, half-and-half, or water.
  9. Sweeten with simple syrup if desired and top with ice. Finish with a dusting of cinnamon.
 
 

Cold Brew Coffee Recipe from MomAdvice.com

As an Amazon Associate I earn from qualifying purchases.

Love this recipe? Check out these fun coffee drinks on MomAdvice!

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Salted Caramel Mocha Latte Recipe from MomAdvice.com salted caramel latte recipe

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How to Make a Pumpkin Spice Latte from MomAdvice.com pumpkin spice latte recipe

33 Copy-Cat Starbucks Drinks

33 copycat starbucks drink recipes

Get to know Wild Oats!

Check out Wild Oats on their blogFacebookInstagramTwitter, & Pinterest.

Don’t forget to finish your coffee treat with a little Wild Oats Cinnamon for the perfect finishing touch! Do you cold brew coffee? What are your tried and true methods for a great iced coffee? I’d love to hear them!

 * This post is sponsored by Wild Oats. Thank you for supporting the companies that support this site!

Goodbye, Old Friend: Asking Jealousy to Leave

Tuesday, February 17th, 2015

Asking Jealousy to Leave

Editor’s Note- I wanted to bring this article back for our money management focus in our m challenge. This article truly illustrates my own struggle with jealousy and wanting to keep up with others. Yup, I’m human. I struggle too and I really struggled a lot after my husband lost his job in those lean and difficult years.  What I am learning though is that there is so much peace in knowing that we are finally going to be closing in on some major financial goals and that all of these sacrifices that we make and the planning we are doing is going to be oh-so-worth it.  Wherever you are right now, don’t give up. xo 

I pull into the parking lot and park my beat-up car between a Hummer & a Mercedes. I let out a sigh and turn behind me to find him sitting in the backseat between my two children. “You can leave now. You aren’t wanted here,” I say. He looks back at me, absently, dismissing my request with a blank smile.

We all head into the store and I push my cart through the aisles, walking by other people who have filled their carts to the brim. They are buying all the things that I want to put in my cart, but I stick to the basics and whisper, “Please leave!” as we head to the checkout aisle.

As we load up the car and pull into our house I think of all the unfinished projects, the longing for more space, the dreams for something newer and better…and he sits down to join me for my afternoon coffee.

“Don’t you have somewhere better to go? Why don’t you go to someone else’s house?”

He just offers me a green-eyed smile and hangs out in my kitchen for the rest of the day.

I hate him and I hate myself for having him over. He is the guest that will not leave and I am ashamed that we have this kind of relationship.

Yes, I am referring to jealousy and how it can take up occupancy in my heart. To say that these moments of discontent have not graced my life would be a lie. I feel the same urges to shop and the same urges to keep up just like everyone else. I can honestly say that the green-eyed monster has enjoyed more than one afternoon sitting at my kitchen table.

The question is how do you overcome your jealousy issues and lead a simple life? It is easy to tell people to not be jealous, but we live in a culture where bigger is better and there is a constant need to compete with our neighbors. While I am as guilty as the next person of feeling like this, I want to share some of the ways that I have found to ask the green-eyed monster to go and to help me work on finding that inner peace with what I have.

 

Caring for the Things in Your Life

When I think about adding possessions to my life, I have started thinking about what is going to be required of me to care for and maintain them. In the example of buying a bigger home, for example, I think of how much more space I would have to clean. Seeing as I have difficulty maintaining and keeping up with the things that we already have, I realize that adding a new house to our life would actually make things much more difficult for me financially and the added space would not be as rewarding as what I already possess.

When I feel the urge to shop, out of boredom or out of competition with others, I try to think of things that I already have and how I can take care of them. My house is an endless supply of odd jobs and cleaning or organizing projects. Making a list of these things, I can try to focus my energy towards these things instead of the negative energy that I am feeling when I am focusing on what I don’t have.

Likewise, organizing what you already have can shed light on your shopping habits and how much you have already bought. So many times our homes are brimming over with duplicate items simply from lack of organization.

I also find that when my house is tidy and organized, that I feel more satisfaction in what I have. The sense of order, in a house that is usually chaotic, can be a much more satisfying feeling then buying and trying to find a place for another bag of stuff.

Creating Traditions

Our children may also have trouble with jealousy and that is why we have tried to take the focus off of buying things for our kids and instead focus on the traditions that we can create for them as a family. Instead of loading them up with toys and the latest gadgets, we come up with ideas that we can do with our kids to show them how important family is.

We create traditions that do not cost a lot of money like having a pizza night, making crafts together, having a special date night with one parent, reading stories together, making special holiday traditions, and just being together as a family. The things I remember from my own childhood include the special traditions from my family and I have few memories about what they bought me. These are the kinds of things that I want my children to be focused upon and less on all of the toys that could fill their room.

choose- gratitude

Remember How Much You DO Have

Gratitude goes a long way in helping bring perspective to all you do have.  I have found the quickest way to gain perspective on all that I do have is to give my time and talent to others. There is nothing more gratifying than knowing that you have enough and you even have enough to share with others. Consider investing in a gratitude journal (I love this one from Money Saving Mom)  to begin documenting all that you already have in your life.  Beginning your morning with a new ritual of devotion and thankfulness is a great way to kick jealousy to the curb and start your day out on the right foot.

I also have many goals for myself and for what I am doing with my life, which take up a lot of my time. Instead of looking at what everyone else is buying, I am trying really hard to focus on building my business and creating goals for what I can be doing in the future. I find the work that I do to be rewarding and it helps me to stop thinking about possessions and to think more about being a success in what I do.

However you cope with jealousy, do not be afraid to ask him to leave. It is your home and your heart- not his. You are the only one who has the power to ask him to go and to fill that empty space with positive substitutes. Do your best to refocus your energy towards caring for what you own, creating traditions for your family, and learning to live a life full of gratitude and positive goals. Before you know it, you are going to be the envy of others around you!

Do you struggle with jealousy? How do you ask jealousy to leave your heart?

Apron Full of Giveaways 02.17.15

Tuesday, February 17th, 2015

Child's Apple Apron via Etsy

Source: Kelleen Kreations,  $23.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Reader Transformation: Cherie Lowe’s Money Makeover

Monday, February 16th, 2015

Cherie Lowe_Slaying Debt

Author of Slaying the Debt Dragon (our m challenge book for February) Cherie Lowe, together with her husband, Brian, paid off $127,482.30 in a little under four years! She wrote about the ups and downs of their debt-slaying journey on her popular website, www.QueenOfFree.net. Cherie so so inspirational – I loved reading about their journey towards slaying debt and am so excited to be sharing her expertise with you today. Be sure to snag her book for our discussion next week. In the meantime, here are some motivational words from Cherie! 

Hi my name is Cherie and my family paid off over $127K in debt in four years.

Wait. Let me start again.

Hi my name is Cherie and I’ve made some pretty ridiculous money mistakes.

I’ve purchased more than I could afford, wracked up debt, and simply not paid attention.

I’ve been angry with my husband over what we could and couldn’t spend, overindulged my kids, and believed the lie that just one more dinner out/cute outfit/gift for someone else really couldn’t hurt.

I’ve felt guilty, ashamed, overwhelmed, and stupid for my own decisions. And then I crawled into a place of hopelessness where I quietly tucked away the mistruth in my heart that we were the only ones.

No one else could have made this many mistakes.
No one else could feel this out of control.
No one else could have been that dumb with money.

Those emotions locked up my soul in a dungeon where I couldn’t find the key. Tightly gripping my heart, they paralyzed me from starting to find a way out.

Personal finance is personal. Money is emotional. You can have free budget printables. You can have a rock solid strategy and all of the best information to guide your journey. You can even have the wherewithal and guts to get out of debt. But from my experience it takes even more than that.

Unless you slay debt, it will never truly be gone. Here’s the difference. If you merely get out of debt then you can get back into debt again. But if you slay debt, it is vanquished, dead at your feet, never to come to be resurrected.

Want to know the good news I already know about you? You have what it takes to be successful with money and slay your debt dragon. You are smart enough. You are strong enough. And while it might not seem to be true right now, you have the resources to complete your epic battle.

My main purpose in writing Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After was to spread hope. I didn’t want anyone else to believe the lies I bought into. I didn’t want anyone else to feel alone. Instead, I wanted to remind fellow debt slayers of some of the things they already knew and provide practical tools to guide their journey. I wanted to share what I learned from our days of battle – the good, the bad, and the ugly – so that others could find victory from our mistakes, encouragement from our story. From what it looks like celebrate your child’s birthday when living on a tight budget to how to manage your meals more effectively, from the essentials of communicating well with your spouse about money to realistic budgeting methods, you can begin your very own financial happily ever after.

I love this paraphrase of a G.K. Chesterton quote:

Fairy tales are more than true: not because they tell us that dragons exist, but because they tell us that dragons can be beaten.

Your dragons can. be. beaten. There is a way out. Hope abounds. Step into your story. The greatest adventure is just about to begin.

Debt-is-your-enemy-not-the-budget.-2-300x300

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Kelly Whalen’s Down to Basics Money Series

Thursday, February 12th, 2015

K. Whalen Money Series

All through 2014, as our Money & Finance contributor Kelly Whalen, from The Centsible Life, walked us all through the basics of budgeting from start to finish so that we would be able to have a stronger grasp on managing our family’s personal finance. One of the best things we can do to save our family money is to begin to control our funds (and to not let them control us).  As part of our m challenge focus on money management, I thought this would be the perfect time to gather all of Kelly’s brilliant tips in one place! 

Kelly Whalen’s Down to Basics Money Series

Budgeting 101: 5 Easy Steps to a Budget that Works

Reducing Expenses: Put the ‘Personal’ In Your Finances

Money Savvy: How to Deal with the Unexpected

Earn More Money to Help Save More and Pay off Debt Faster

Evaluating the Cost of Home: Renting vs Buying

Cars, Trains, Bikes, and Feet: How to Get Around for Less

Can Debt be “Good” Debt?

5 Ways to Teach Kids Money Management

Do You Really Need That Degree? College Loans, Options, and Savings

Planning for your Second Life: The New Retirement

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What I Wish We’d Known About Money Before Getting Married

Tuesday, February 10th, 2015

From our marriage & parenting contributor, Mary Carver.

Marriage and Money

I don’t remember getting a lot of advice before I was married. This may be the result of a faulty memory; after all, we’re talking about 16 years ago. Or it may be because most of my friends and family stuck to the party line: “Don’t get married. You’re too young.”

Those helpful folks were half right. We were certainly too young to get married, but we sure did it anyway. I’m glad – but I do wish we’d gone into the rest of our lives, forever and ever amen, with a little more wisdom. Okay, a LOT more wisdom – and especially in the area of finances.

Over the past decade and a half, my husband and I have made so many mistakes with our money. (SO MANY.) Today we’re feeling optimistic, though I’ll admit we’re still paying off some of our more recent and long-lasting mistakes. So while I’m certainly no expert on family finances, I do have a list of things I wish we’d known about money before getting married. We’ve figured them out along the way, the hard way. My hope is that if I share them with you, you won’t have to!

Practice living with one salary. This is actually the one piece of advice I remember hearing in the days before my wedding, but as a young, stubborn, modern girl, I ignored it. Because I wasn’t going to “just” be a stay-at-home mom! I was going to work! I couldn’t wait to work! And I would always want to work!

Right. You can see where this is going, can’t you? As it turns out, living within one salary is good preparation for times of unemployment or underemployment (we’ve had both, huzzah!) – even if both spouses continue working. And, what you don’t know at the ripe age of 20 is that you might change your mind on how much you want to work later in life.

Save now. And if you don’t need two salaries to pay your bills, you can save a whole lot of money when times are good. As it turns out, you should also try to save a little when times are hard, too.

Plan to give it away. (And then, you know, give it away.) Though I grew up going to church, I wasn’t necessarily taught to tithe (give ten percent). Though my parents and my in-laws are giving in their own ways, neither my husband nor I were taught how to align our giving goals with our financial priorities. The importance of this is different in each family, but we’ve grown in our desire to give more over the years – and wish we’d made choices early on that allowed us to give more now.

All the years we’ve spent paying ridiculous interest on credit card debts or car loans add up to a lot of years we’ve missed out on the gift of giving. We look forward to the day we pay off our last debt and can help others more.

Just because you are approved, doesn’t mean you should. Speaking of credit cards…

Actually, I’d say this goes for every kind of loan: credit cards, vehicles, homes. I’m not saying that it’s bad to have a car payment or a mortgage! What I’m saying is to really consider the reality of what a bank will give you compared to what you can truly pay back.

That starter house might be your home for 20 years. The one time we made a good choice (without making a whole lot of bad ones first) was when we shopped for our first home. Now, we made a whole lot of first-time home-buyer choices. Don’t even get me started on the wisdom of buying a house without a basement in a place very near the inspiration for The Wizard of Oz! But when the bank pre-approved us for a large amount, we said no thanks. We bought a house for much less than we were approved for, which is good because we’ve had many months (years? yeah…years.) of barely scraping by when even that smaller payment seemed impossible.

It’s also good because we’ve lived in our first home – our STARTER home – for almost 12 years now. Thank you, real estate market crash! And that leads me to…

Something always comes up. House repairs on that starter home you can’t sell? Check. I’m not talking about a tear in the screen door either. I’m talking about replacing an entire sewer line from your [only] toilet, under the house, through the front yard, to the street. And if such a thing happens and you’ve slacked off on your savings plan or don’t have any wiggle room in your budget because you’re using every penny of every salary, then you’re in big trouble.

Not all home repairs cost thousands of dollars, obviously. But something – daycare tuition increase, basketball shoes, speeding ticket – always comes up.

And ignoring it does not make it go away. I mean, maybe you wouldn’t try this strategy. But just in case you would, let me tell you it does not work. (Don’t ask me how I know!)

Those are the big things my husband and I have learned, the hard way.

What money lesson have you learned that you’d like to pass on to someone starting out?

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Apron Full of Giveaways 02.10.15

Tuesday, February 10th, 2015

Navy Stripe Apron via Etsy

Source: Flirty Aprons,  $24.95

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Apron Full of Giveaways 02.03.15

Tuesday, February 3rd, 2015

Pastel Owls Apron via Etsy

Source: Lottie Ann Designs,  $20.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Apron Full of Giveaways 01.27.15

Tuesday, January 27th, 2015

Waxed canvas apron via Etsy

Source: Artifact Bag Co.,  $145.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Apron Full of Giveaways 01.20.15

Tuesday, January 20th, 2015

Black-Aqua Ruffle Apron via Etsy

Source: Flirty Aprons,  $24.95

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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