New Year Resolutions That Work

The best New Year Resolutions are ones that can be followed through on.  For this reason, the resolutions that work have an element of support built in.  In keeping with the theme of this blog, investment in self is the ultimate New Year resolution.

This means to learn a new skill.  How much money could you save over the course of a single week if you learned how to cook?  Browsing the web, it appears that the average cost per person of a home made meal is less than $3.  You can't even get a meal at McDonald's for that price.

You can teach yourself how to cook by reading.  Take a trip to the library or download cookbooks onto your e-reader.  Set a goal of learning how to make 1 new thing each week.  Cooking is little more than following directions!

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The people who work at the grocery store can help you identify things, from cuts of meat to produce.  Ask someone you know to help you learn to cook, or take a professional cooking class if you need assistance.  It will give you a chance to find out if other people like your creations as much as you do!

Another class you might want to resolve to sign up for is sewing.  If there is not already a sewing machine in your house, they are inexpensive to purchase and last a long, long time.  My first sewing machine is almost 30 years old and still going strong.

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How many pieces of clothing have you ended up throwing out due to a split seam or missing button?  Save on the costs of buying new by mending things yourself!  Get involved in the upcycle craze of taking thrift store finds and turning them into something brand new!

Another skill you can add is gardening.  No matter where you live, there is a way to grow your own food.  From fresh herbs and spices to apple orchards to potatoes, there is an incredible amount of information on the web and in books to learn from.

Simon Howden

True story:  We lived in an apartment that had a skylight over the refrigerator.  We both loved green peppers, but they were quite expensive.  My husband hefted a large planter on the top of the refrigerator in which we had thrown some dried seeds from a green pepper.  Someone told us to throw egg shells in the pot, which we did as we used eggs.  We made sure the planter got water, and ended up with a plant that reached to the skylight.  It produced about 2 peppers a week year round!

Other skills you may want to learn are auto maintenance or carpentry.  Why spend $40 or so on an oil change when you can do it yourself for less than half that amount?  According to the Bureau of Labor Statistics in the U.S., carpenters start at $11.96/hour and go up from there!

The trick to learning a new skill is to have an interest in it.  The "how hard can it be?" attitude needs to be replaced with an "I can do this" one.  Short on cash?  Ask a friend or family member who knows how to do what you want to learn for help. Go to your local library for books and to see what your local community offers.  There are no shortage of resources for personal education. Resolve to spend an hour a week learning something new.

Its Time To Save For Next Christmas

Even if you've had enough of Christmas, this is the time to stock up on some real money savers.  Purchase gift wrap, gift bags and boxes and put them away with your Christmas tree lights and ornaments.  If any light strings need replacing, purchase a new string now and save 50-75% off of this year's prices.  Don't forget to grab a box or two of Christmas cards as well - it will save you both time and money next year.  None of these items go bad, as long as they are stored in a dry location.

Another thing you should pack away with all the Christmas things is the cards you have received this year.  It will make writing your Christmas card list for next year much easier, as well as provide you with material for the future.

Christmas cards can be upcycled as well.  Cut out the picture, glue to card stock, and you've got yourself a new Christmas card!  Cut out the picture and have the kids frame it in Popsicle sticks, add a ribbon loop and you have a new Christmas ornament for your own tree or to give as a gift. Cut out the figures from several Christmas cards and glue in a shoe box to make a Nativity diorama.   You can also make a Christmas card garland by stringing the cards on a long piece of rope or twine and hang it on the mantle or decorate a staircase.  Imagination will be the only limit!

How To Eat Healthy On A Budget

For years, I have heard the 'experts' talk about studying weekly sales flyers, writing up a menu and a shopping list, and buying only what is on the list.  That method never worked for me.  What has worked is spending time at the market, armed with meal ideas and a piece of paper and pen or a calculator.

Image:Grant Cochrane 

Add the price on the paper or calculator for EVERY item that is placed in your cart.

Step 1:  Meat and Fish Counter

Bypass everything at the front of the store and go directly to the meat and fish counters.  Protein is the basis of many meals, and almost every family has favorite recipes for how to prepare it.  What is on sale this week?  What can be purchased for $3/pound or less?

Fish goes bad quickly, so a sale at the fish counter means you should probably cook it that same night.  Learn what the 'average' price of your favorite fish is in your area.  For example, my daughter loves swordfish.  It usually runs $10 to $15 per pound, so I do not buy it until it goes down to $7.99 per pound.  Nothing on sale?  Bypass it.

Ground chicken, ground turkey, and ground pork can be interchanged with ground beef in many recipes.  It may take a little trial and error to find which what works best in, but any heavily spiced dish (tacos, chili) can be made with any of them without much flavor fluctuation.

image: Suat Eman

Look for meats that can be used for more than 1 meal, such as ham and turkey, or 'family pack' meats.  Think about what the secondary meal can be:  ham and scalloped potatoes?  Turkey pie?  Be creative.

Now that the meats are in your cart, you can tell what items you will need to make them into your favorite meals.  Off to the produce section!

Step 2:  Fruits and Vegetables

If it the right season and you have a local farmer's market, skip this step.  You will save money and get better produce directly from the farm.

What is on sale?  How can it fit into your meal plans?  Try to find as many items as you can under $1 per pound.  Individually priced fruits, say 2/$1 oranges, quickly add up.  Put 2 of those oranges in the hanging scale to get an idea of weight, and then do the math - is it cheaper to buy the oranges by the bag?  Sometimes yes, sometimes no.

If your family likes salads, do not get the pre-made ones.  You will get a much better salad for less money by making your own.  Purchase the favorite lettuce and veg (radishes, carrots) and spend 10 minutes in the kitchen prepping it - you'll have enough salad for a couple of days.

If the produce section looks like it has seen better times, and/or the prices are too expensive, keep in mind there are both canned and frozen options for many fruits and vegetables.

Step 3:  Dairy

Start with the staples:  milk, eggs, butter (or equivalent).  Next, decide what you need for your meals for the week based on your meats.  Cheese is sometimes cheaper grated rather than by the block, but not usually.  Do the math if in doubt.  Buy yogurt in the large containers - it is much cheaper and only takes a moment to spoon a half cup into a dish.  As always, look for sales and check 'sell by' dates!

Step 4:  Center Store

A look at your tally sheet or calculator at this point will tell you exactly how much you have left to spend.  The first aisle you should go down in the baking aisle for staples such as flour, sugar, salt, spices, etc.  Is your pantry well stocked?  Skip this aisle entirely.

Are you still a meal or 2 short?  Go down the pasta aisle.  A box of spaghetti and a jar of sauce can generally be purchased for less than $3.  Flat noodles and a can of tuna can be made into tuna casserole for less than $5.  Rice is a healthy, budget stretching starch as well when bought by the bag, not the box.

image: SOMMAI

The canned fruit and vegetable aisle is next, if all the needed produce for the week wasn't available or was too expensive fresh.  Although frozen "steam in the microwave" vegetables are said to be better for you, they are up to 5 times more expensive than a can of no-salt-added.  Look for bags (not cans) of beans as well -  a little extra prep time can save a ton of money!

Cereals tend to be very expensive, but 1 canister of quick oats can provide a fast, healthy breakfast for close to 2 weeks.  Do not be afraid to purchase generics, either.  Brand loyalty can be a budget buster!

Compare the price of peanut butter to the price of a jar or can of roasted peanuts.  You may be surprised to learn that a healthy peanut butter can be made from a jar of peanuts in a food processor in a few seconds.

Coupons can save money, but only if they are used (1) for an item you normally purchase, and (2) if it brings the price below the other alternatives available.  That coupon does not save money if the generic can be purchased for less.

I have not added breads to this list.  The trip to the bakery outlet store will save more money than the cost of gas to get there in most cases.  By keeping a running tally of the price of things in your cart, you will know how much you are spending, and how much you have left for the bread store.

Taking your time is the key.  Do not make a rush trip, as that leads to rash decisions and overspending.  Keep an open mind and closed wallet.

10 Ways to Save Money

The following is a list of 10 ways to save money in everyday life.  Sometimes all it takes is a little bit of inconvenience, as in one more stop when doing errands, to save money.

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1.  Visit Bakery Outlets

Why pay $4 or more for a loaf of bread when you can get the same BRAND NAME at a bakery outlet for as little as 50 cents?  The items on sale there are still within their sell by date, so you do not have to worry about them going bad immediately. Many bakery outlets offer much more than just bread, and therefore should make them the stop before the supermarket.

You can find bakery outlets at the following links:
http://www.hostessbrands.com/BakeryOutlets.aspx
http://www.bimbobakeriesusa.com/our_brands/outlet_stores.html

2.  Visit Manufacturer Website

Every major company has a web presence now.  Take advantage of this and visit them.  Many offer money saving offers and printable coupons.  Browse them in your spare time, or make an effort to find coupons before your weekly shopping trip.  If your grocery store offers double coupons, take advantage of it!

3.  "Junk" Mail

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Instead of automatically throwing away the store fliers and other "junk" mail, take a moment to browse through them.  If a local store has an item you use at a terrific price, it may be worth stocking up.  You can also find both store and manufacturer's coupons in these mailings. Perhaps a local garage is having a $10 oil change special.  It only takes a few seconds to flip through the junk mail, and doing so might save you money.

4.  Extreme Couponing

Whether you have seen the television show or not, extreme couponing is a real phenomenon.  By combining store specials with clipped and/or printed store and manufacturer coupons, you can get hundreds of dollars worth of groceries for less than $20.

Search the Internet for coupon sites, such as http://www.ivillage.com/coupons

5.  Freecycle

Do you have something that is still in usable condition but you don't have the time to sell it?  Do you need something you cannot afford to buy?  Freecycle puts these people together in a bulletin board type of format.  Everything from building materials to diapers can be posted, and the best part is that it is all free.

To find a freecycle group near you:  www.freecycle.org

6.  Food Shelf

Many communities have local food shelves.  These are places where food is distributed freely to those who need it.  Some have income guidelines, while others do not.  It is worth checking out what the rules are in your neighborhood.  You may be able to get a box of food for as little as a couple of hours of volunteered time!  Ask at your local town office or city hall where to get more information.

7.  Consider Being a Localvore or Joining a CSA


Community supported agriculture (CSA) works by purchasing a share in a local farm, which in turns delivers a box a fresh produce or meat at less than supermarket prices.  They can be weekly or monthly, seasonal or year round.  To find one near you and learn more about how a CSA works, go to:  www.localharvest.org/csa

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A localvore is someone who prefers to eat foods grown locally.  This not only helps the local economy, but reduces the carbon footprint of foods.  To find out more, go to:  www.locavorenetwork.com/proximity

8.  Combine trips and errands


Try to limit your outings to once a week, and get everything done on that day.  Doctor and dental appointments, picking up mail, dropping off dry cleaning, going to the bank, shopping - whatever errands you have to do, you will save time, money, and gas by combining as many things into one or two trips per week.

9.  Avoid ATM and Credit Card Fees

A money saving trick I learned when I was little saves even more money today.  Set a weekly spending budget per week, and withdraw that amount from the bank in cash.  There is still no fee to visit a teller and cash a check.  As this will be the only trip to the bank for the week, you tend to be more careful and not go over budget while shopping.  You do not get charged ATM or credit card fees when you do not use them for weekly expenses.  Make sure you withdraw enough for gas as well, and walk into the station to pay for it in cash.  It's plain silly to incur interest and fees for the convenience of paying at the pump.

10.  Take Care of the Things You Already Have

This may sound like a no-brainer, but it saves enough cash to worth mentioning.  Have regular maintenance done on your car, furnace, and computer, or do it yourself if you know how.  It will save you time, money and frustration!  Take proper care of your other things as well, so they do not need to be replaced.

A little bit of common sense and foresight is all it takes to save money.  If you take a good, hard look at where your money is going and how you can save it, I am sure you can come up with many more ways of controlling spending.