Life in Turmoil

September 11th, 2007

I apologize that our Month of Savings series has taken a small detour. My mom has been very sick and has been in the ICU these past two weeks. This past month has been a rough one and I am trying hard to keep all of this interesting, but family stuff takes the priority right now.

Most of my spare time has been spent over at the hospital so I was unable to do my morning segment this Tuesday and my posting hasn’t been the best these past couple of weeks. I appreciate your patience and prayers very much!

My husband did start his new job and with a new job comes new financial issues. No insurance for ninety days is one of the things we are facing, but I will need to spend some time looking into insurance options that might be available to us during our lapse in coverage.

He is also doing a different type of job where he goes from place to place, so lunch has now become more of an issue for him. He used to just take leftovers everyday, but now we are running into the issue that he may or may not be at a location where he can warm his food up. One day of him running out for a burger and soda (at the only restaurant nearby) for $11 was all I needed to get myself in gear and try to figure out how we could make this work.

We decided leftovers for the days he is at his office and sandwiches and snacks for days he is somewhere unfamiliar. I went to our local restaurant supplies store and got 9 pounds of turkey and five pounds of cheese. Total spent was $38, but I was able to make 38 packages of lunch meats with cheese, to store in our freezer, and had forty slices of cheese leftover for grilled cheese for the kids. Now he can grab whatever he needs for his lunch and we won’t have to pay for $11 burgers.

The latest dilemma though is that he will only be paid monthly. While he will be making the same amount, only getting paid once a month is really beginning to freak me out. Does anyone have any experience with this or how to manage when only getting paid once a month? Yes, I feel I am a pretty good manager of our money, but am I THAT good?

Any words of wisdom on any of the above issues would be so appreciated!

Product Review: New Suave Products

September 10th, 2007

Boy, did I feel pampered when Suave contacted me to see if we would be interested in sampling some of their new products. I have always been a Suave girl so I was up for the challenge of testing out some of the new items that they have put on the market. They included Suave Professionals Extreme Strength Hair Products (shampoo, conditioner, and daily leave-in treatment), Suave Exhale Inspiring Body Lotion (in Lime Verbena) and Calming Body Wash (in Lavender Vanilla), Healthy Curls Anti-Frizz Cream, and Suave Kids Cowabunga Coconut Shampoo.

All of the products were excellent, but I have to say that the children’s shampoo and the lavender body wash were my most favorite. My children’s hair smelled so good that even my son commented on how good the shampoo smelled. The shampoo also contained a conditioning formula within it, so no need to try and deal with tangles in my daughters hair or an extra application of conditioner.

The lavender body wash was the perfect conclusion to a stressed out day. The lavender and vanilla smelled delicious and it was a great way for me to unwind after another crazy day with the kids.

The suggested retail price on the Suave Exhale Calming Body Wash is $2.50. The suggested retail price on the Suave Kids Cowabunga Coconut Smoothers 2-in-1 Shampoo is between $1.92-$2.49. I consider this quite affordable and that is something that I have always appreciated about the Suave products.

Suave also sent me an in-depth report on a survey they did of mothers with children under the age of fifteen. The survey was called “Motherhood vs. Womanhood” and the results were very interesting. A quick summary of some of their findings were:

– Moms put family first, but agree that they should take care of themselves
– Moms agree on the importance of taking care of themselves, and most wish they could do more
– Two things moms would like to add back to their days: exercise and sleep
– Moms would like to improve their hair care

It was a very interesting survey and I found myself shaking my head, “Yes, yes, yes!” to all of their results. I wish I had some time to myself, but do feel selfish carving that time out when I could be doing something for someone else.

If you have difficulty carving time out for yourself and you live in the Los Angeles area, then I have just the freebie for you! Suave is offering a nice freebie to their L.A. moms so here are all the details on this…

Suave Back to Beauty Moms-Only Field Trip. LA-moms are invited to treat themselves to a FREE day of pampering, complete with beauty makeovers from celebrity hairstylist, Luke O’Connor, and his team, a gourmet lunch and more.Bring your friends, and you could win $20,000 for your school! Suave will award a $20,000 grant for after-school programs to the school with the most moms who sign up.

When: Monday, October 1st, 2007, 9:00 AM – 9:00 PM

Where: LuKaRo Salon, 323 North Beverly Drive, Beverly Hills, CA 90210

More: Appointments are strongly recommended and available on a first-come, first-served basis. To register, moms can book a free appointment by September 15 by:

– Calling 1-877-SUAVE-411
– Emailing back2beauty@webershandwick.com- Please be sure to include your name, school, contact information and time preference.

Once again, I would like to thank Suave for being so generous and giving this tired mom an opportunity to truly treat herself!

A His & Hers Gift to Remember

September 10th, 2007
We went to a beautiful wedding this weekend for a dear family friend. I wanted to give her something special, but funds are tight this month.

One of my favorite gifts to give is a small wine rack, filled with a couple of bottles of wine for their honeymoon. I found some cute gift tags at Wal-Mart and labeled them “His & “Hers” tied to each bottle with a strand of raffia. The wine rack was purchased for $1 at our local thrift store.

To make this gift more special though, I tucked a note from my husband and then a note from myself on each side of the wine rack. My husband came up with a list of “HIS advice” and I came up with a list of “HER advice.”

We had a great time coming up with tips for marriage and it was a fun way to pass the time on the trip to the wedding. My husband’s list included buying your wife flowers and never cutting your spouse down in public, but always bragging on them, particularly at your work! My list included never going to bed angry and always remembering to date your spouse, even after you have children.

I hope that they will enjoy the gift as much as we enjoyed creating it for them!

The wine chosen was a new favorite of ours called Banrock Station and it is an excellent wine for the price. It has been featured in the Wine Spectator for years now as a great buy for your money. They sell a crate of this wine, with six bottles in it, for a little over $21 at our wholesale club. Unfortunately, they only carry the wine in bulk (at least at our Sam’s Club) in the Chardonnay. I have bought the reds on sale though, at our local supermarket, in a case of six bottles to get our ten percent off of the purchase. I can usually get the bottles for under $4 each, which is a great buy for good wine.

Sound Off: Do you have any great advice for a newlywed couple? What advice would you include?

Pumpkin Streusel Muffins

September 10th, 2007

I found this recipe for Pumpkin Muffins and I just had to try these! These muffins are extremely moist and airy. They taste just like the filling in a pumpkin pie and they make the whole house smell delicious!

I had some crumb topping leftover from making a batch of my Banana Crumb Muffins and had popped the topping in the freezer to be used on another batch of muffins. The topping was actually easier to use and maintained its pretty appearance as the muffins baked. I just had to separate the topping a bit with a fork, but it was much easier to handle than when it has been freshly made.

These would be great to make with your kids so have them help you out in the kitchen. It would also be a great recipe for a beginner chef!

Give these muffins a try- you won’t be disappointed!

Pumpkin Streusel Muffins

1 package yellow cake mix (you can try different variations with other cake mixes too!)
1 can pumpkin (15 ounces)
1 egg
1/4 cup vegetable oil
1 teaspoon ground cinnamon
1/4 teaspoon ground cloves
1/2 teaspoon ground nutmeg

Crumb Topping:

1/2 cup packed brown sugar
1/8 cup all-purpose flour
1/2 t ground cinnamon
1 T butter

Preheat oven to 350 degrees. Mix all the muffin ingredients together and pour into a greased muffin tin. Combine brown sugar, flour, ground cinnamon, and butter to make the topping. Cut the topping together with a fork until it resembles a coarse cornmeal. Sprinkle topping on the top of the muffins before baking. Bake for 20-25 minutes (my muffins took 22 minutes).

**Weight Watchers version contains only the cake mix and pumpkin- no egg and no oil. You could add the spices though!**

Amy’s Notebook 09.07.07

September 7th, 2007


Stitch a colorful lunch bag.

Turn some pants into skirts.

Make a quilted fabric wallet.

I needed this inspiration for doing my fall decorating.

Learn how to make your own preserves.

I adore these fabric buckets– why can’t I be more crafty?

Aren’t these crocheted cropped cardigans so cute?

I am going to have to try this chocolate chip cookie recipe.

Here are more ideas for a money-free weekend.

Some more tips for the back-to-school season.

I will have to try some of these homemade stain removers.

A cookie troubleshooting guide that I love!

Am I too cheap for a Nintendo Wii? I want one so bad!

Freebie Friday: September 7, 2007

September 7th, 2007


Health & Beauty:

One week pass to 24 Hour Fitness Gyms

Playtex Gentle Glide Tampons

Prilosec OTC

Food:

Curves Honey Crunch Cereal

2 free cups of Wild Woods Soyogurt for registering

Zip N Steam bags for Sam’s Club Members

Free scoop of ice cream from J.P. Licks (Massachusetts residents only)

Appetizer from Longhorn Steakhouse

Honey Bunches of Oat Cereal (bottom right-hand corner is the link)

Dunkin Donuts Coffee (I was having some trouble with this page earlier- let me know if you guys are having problems too or if it goes through for you)

Folgers Gourmet Select Coffees in a variety of flavors (These are the BEST!)

Entertainment:

One year subscription to American Journal of Nursing Magazine

Copy of Hope Again by Charles Swindoll

Snickerdoodle Cupcakes

September 7th, 2007


We had a reason to celebrate this week because my husband started a new job. We are so grateful that he has been given this opportunity and that he will be able to start a new adventure on his career path.

We wanted to do something to celebrate his first day of work so we made him one of his favorite treats…Snickerdoodle Cupcakes!

These are so delicious and I got the recipe from one of the Cake Doctor books. It has been a favorite in our house for several years and a frequent request for family birthdays.

The cake has just the right blending of flavors and the cake mix make these easy to whip up for unexpected company. It is the cinnamon frosting that pushes it over the top though so take the time to make the icing from scratch since you are saving time on the cake by using the mix!

I hope you can try these in your house- let me know what you think!

Snickerdoodle Cupcakes (these can be made into a cake too- whichever you prefer)

1 package plain white cake mix
1 cup whole milk
1 stick of butter, melted
3 large eggs
1 teaspoon vanilla extract
2 teaspoons ground cinnamon

Frosting:
1 stick butter
3 3/4 cup confectioners sugar
3-4 Tablespoons milk
1 teaspoon vanilla extract
1 Tablespoon ground cinnamon

Preheat oven to 350 degrees and flour & grease 2 9″ pans (for cakes) or line your cupcake tin. Place cake mix, milk, melted butter, eggs, vanilla, and cinnamon in a large mixing bowl. Blend for three minutes (stop to scrape once). Pour into pans and bake for 27-29 minutes (for cake) or 22-25 minutes (for cupcakes). Allow the cakes to cool completely.

Beat butter until fluffy for frosting. Add all other ingredients.

Note: I froze half of these (without frosting) to keep in our freezer for another occasion. They freeze very nicely!

Day 27: Save on Clothing

September 5th, 2007

There are so many great ways that you can save on your clothing and there is no reason in the world that you should ever have to pay full price for anything. I have gotten some of the best clothing for my children and most of it has been purchased secondhand. I would also say that ninety percent of my own clothing is bought from our local Goodwill store. Rarely would I ever pay more than five dollars for an item and I still maintain my snobbery towards the name brands that I love. Here are some easy ways that you can save on your clothes:

1. If you shop used, ask if they offer half off days or any special discounts. Most stores offer a deal, at least one day of the week, and those are the best times to shop. I always try and come as soon as the store opens for special discount days because you will have the most to choose from when making your selections.

2. You can be a brand name snob, but just because it is a certain brand doesn’t mean you should necessarily buy it. This is something that I had really struggled with in the beginning because I was focusing too much on the label name, rather than if I truly liked the item itself. A beautiful Ann Taylor dress that is not your color or style is better left at the store instead of taking up space in your closet.

3. Know your brands when you go to a store and know them well. I loved Meredith’s post on recognizing name brands because many of the brands that she has referred to were not ones that I was familiar with. Read the fashion magazines (from the library, of course!) and familiarize yourself with the quality labels. It is not only good for you to do this for your own wardrobe, but if something is not your size/style, but you know it is worth a lot, you could sell it to the highest bidder on an auction site.

4. Try and hold the items up in good lighting and really look at them. I do an armpit check, hem checks, underarm stain checks, seam checks and take an overall look at the item to make sure there are no rips or tears. Make sure you really look at the item closely before buying it. It has always been such a disappointment to me to bring home something that I am really crazy about and find out exactly why it had been donated in the first place.

5. Try on sizes that aren’t necessarily your size because many times they have been donated because the item was shrunk in the wash. I might try on sizes that are two up from my normal size and find something that fits me absolutely perfectly.

6. If you are petite, you can check in the girl’s sizes (sizes 14 & 16). I am really short and I have found a 16 in girls fits me perfectly lengthwise. Items with elastic waists, like jog pants, can be bought in these smaller sizes for petite adult women. The bonus, of course, is that the children’s clothing is cheaper than the adult clothing so I can get the item for even less money than I would have paid in the adult sizes.

7. Finding clothing can be time consuming so make sure that you have a good block of time to work with, especially if you are hunting for something in particular. I think thrifting gets easier as you get in the groove of doing this. Well-trained eyes seem to gravitate towards the good items and I have found items start to jump out at me a little easier because I know where to look and how to navigate the stores quickly.

8. Know that it is fine to leave with nothing in your hands. I think this is one of the hardest things for me because I want a good deal so bad. There are days that I spend a half hour in the store and come up with nothing. I know there are other days though where ten items jump out at me at once so I look forward to those days and understand that there are dry times too. Patience and waiting are difficult, but you will be glad you waited when that item finally appears!

Potential Monthly Savings: $30 or more

Sound: Off: What are your tips for saving on clothing?

Thrifty Treasures: Betty Crocker Heaven

September 4th, 2007

Labor Day was half off day at our Goodwill so I stopped in to see what I could find. I am trying to limit myself to only going on half off days since we don’t really need anything. I did find some wonderful treasures that day, but the ultimate had to be the box of Betty Crocker recipes. The date on them is 1971 and I am totally loving the recipes and categories that they had. Some of the categories were Budget Casseroles, Mens Favorites, Gala Menus (probably among the most interesting dishes served to statesmen and celebrities- Hot Bouillon & Cottage Cheese , anyone?), Ground Beef to the Rescue, and hundreds of recipes in the Fondue category. I also got:

1. A pretty pot of fake mums (for our family room)
2. Two vintage coffee signs for our kitchen
3. Two pairs of new tights
4. A pair of sweats
5. A fleece hoodie
6. Three pretty green & white plates
7. Party Invitations for my daughter’s next birthday party
8. A pretty Pier One frame set

Total spent: $14

Here is a recipe from the recipe box that I am looking forward to trying:

Apple Crisp
(Betty Crocker, 1971)

Butter crunch (recipe below)
1 can (21 ounces) apple pie filling
1 teaspoon lemon juice
1/2 teaspoon cinnamon
Vanilla ice cream

Prepare Butter Crunch. Heat oven to 450 degrees. In an ungreased 9″ pie pan or baking dish, mix pie filing, lemon juice, and cinnamon. Sprinkle one cup of the butter crunch evenly over the top. Bake ten minutes or until top is light golden and bubbly. Serve warm with ice cream

Butter Crunch

1/2 cup butter or margarine
1/4 cup brown sugar (packed)
1 cup flour
1/2 cup chopped pecans, walnuts or coconut

Heat oven to 400 degrees. Mix all ingredients with hands. Spread in an ungreased pan (13×9″) Bake fifteen minutes; stir with a spoon. Store in a covered container in refrigerator. Yields two cups.

Pineapple Crisp: Substitute one can (22 ounce) pineapple pie filling for the apple pie filling.

Day 26: Extending It Further

September 4th, 2007

We are closing in on the end of our Month of Savings series and I hope that (at least) one of the ideas is something that you can incorporate in your house. While the truly zealous frugal person might not find my ideas all that inspiring, those who are beginning a journey into this world might be able to gain some insight on how to make small adjustments to their lifestyle, to create big savings.

Today I wanted to talk about extending the items in your home. There are two tools that I have found that have really helped me in extending the products we use. The first tool is the beloved spatula, which tends to get a royal workout in our house. The second tool is water and the art of watering down products to extend them further.

I am a big fan of using my spatula because nothing else works better when trying to clean out every last little drip in a jar. I shudder to think how much I had thrown away before, not caring if there was enough for two more peanut butter sandwiches, because I didn’t feel it was worth the effort. Now that I am on a tight grocery budget, the spatula is my best friend and we share a lot of time together in the kitchen. Using a spatula in your containers is a great way to make sure you get everything you can out of the food products in your house.

I also am a big fan of water for extending the products in our home. Shampoo, for example, lasts twice as long if I water it down. Just add it about halfway with water and give it a shake. The difference won’t be noticeable in the product, but it will be noticeable in your wallet. Other things that can be watered down: soap (to create foamy soaps), dish soap, and juice (for little mouths who don’t need all the sugar anyway). My theory is to try things watered down and see if they still perform well. If they are still doing what they need to do, why not water it down a bit? You might have to tweak how much is too much/too little, but find that magical equation and use it each time you replace those products.

I extend other things in our home. My coffee in the morning is a great example of a simple way that I can make my coffee last. The first time I make my coffee, I use the directed amount of grounds and prepare it as it is explained. The next day, I reuse the old grounds and only add half the amount of grounds required to make a batch. The second batch still tastes great to me and I have made my coffee last a little longer than it would have if I had just dumped the old grounds out. I can also extend it further by not allowing the coffee to go to waste and keeping it in the fridge or making ice cubes out of the rest of it. The coffee just keeps giving in our house.

Another scenario of extension is when I do my laundry. I never add the suggested amount of laundry detergent because I know that my clothing doesn’t require that much soap. If you use fabric softener, you can do the same thing by cutting the softener sheets in half or adding half the amount to your loads. Extend it further by repeatedly using the softener sheet until it has lost its effectiveness.

Extending these items may seem like a waste of time, but I am trying to prove how the little things really can add up towards a savings account for your family. In my opinion, it is all about the little things and this is just one way that I can work towards pulling our family out of debt and wastefulness.

Potential Monthly Savings: $10 or more

Sound Off: Are there products in your home that you extend? What are some of your favorite frugal tips for making things last in your home?