May 9 2019

Coffee Confessions

There are several ways books and professionals tell you to save money or cut your spending to pay off debt or save for retirement. The one that really burns me is when they tell you to stop getting fancy coffee or breakfast on your way to work. Give up your latte and all your money troubles will be solved, they say.

Why does it bother me so much? Because I don’t drink coffee, at all, ever. I don’t feel like that is realistic advice because I feel like if you are struggling financially you never had the money to do something that extravagant to begin with. Then, as I was talking it over with someone else who has struggled with money (an also doesn’t drink coffee), it hit me that while I never have lattes, there might be other little extravagances in my life (or your life) that could be given up or cut back a bit to free up some cash flow.

Coffee/Latte Substitutes:

It seems I am better at finding the little things that eat away at a budget for other people than I am for myself so I will point out a few that I have noticed in hopes it will help some of you save some money for whatever it is you feel the need to save for.

  • Manicures
  • Pedicures
  • Hair Treatments (color, perm, extensions, expensive hair products, etc)
  • Pets (the more you have the more the costs add up for food, bedding, treats, clothes, vet bills, replacing the carpet, bedding, vacuums and other things that get stained, ruined or worn out by having pets)
  • Car Washes (do you pay the monthly fee to come as often as you like?)
  • Car Upgrades (spoiler, shiny wheels, leather seats, etc)
  • Shoes
  • Clothes (I get that you get tired of wearing the same thing all the time, buy used)
  • Purses and other accessories
  • Makeup (God made us all beautiful, without it)
  • Jewelry
  • Fast Food (your body will thank you)
  • Fancy bottled drinks (especially water)
  • Meal Kits delivered to your door
  • Grocery delivery
  • Uber Eats/Door Dash (if you are trying to save money eating out is already more than you need to spend, so go pick it up yourself)
  • Subscriptions to boxes delivered to your door monthly (StitchFix, Ipsy, etc)
  • Books, Videos, Music that you could get free from the library
  • Prepackaged small portion packs (Chips, pudding cups, applesauce, etc)
  • Paper Plates, Cups, Plastic Cutlery (you probably already have a dishwasher, so use the real stuff)
  • Eating out more than twice a week
  • Signing kids up for every sport or activity (which makes you so busy you end up eating out, not to mention the fees and cost of uniforms, lessons, team photos, etc)

Coffee Confessions:

Now that I have found a few ideas for where you might be able to cut back, I should share some ways I have found to cut back. Here are some ways I save a little extra regularly (my coffee confessions):

  • Cutting veggies for snacking, even carrots
  • Packaging your own mini bags of chips/pretzels
  • Using various snack sized bags (did you know there are 3 shapes?)
  • Not eating lunch out (I work hard I deserve it)
  • Basic clothes then mix and match
  • Shop for more unique clothes second hand (Goodwill 1st Saturday sale)
  • Generic Brands
  • Refill bottles with my own drink from home
  • Bring your lunch to school or work with you
  • Cook at home (if you can read and follow instructions, you CAN do it)
  • Batch cook (this can be as easy as making a big pot of something on the weekend and eating it up during the busy weeknights) Try these recipes
  • Buy things you use often in bulk when they are on sale (toilet paper, paper towels, meats, soups, etc)
  • I use the library constantly (who has money to buy all the books and space to store them)
  • Use vinegar and microfiber cloths to clean instead of various specific use cleaners and paper towels)
  • Use vinegar instead of liquid fabric softener
  • Buy generic on everything I can (laundry detergent, paper goods, over the counter meds, foods, you name it)

Do you have some things that might be your “coffee or latte”? What are the little extravagances you allow yourself? How could you save some extra money without depriving yourself? The books tell you to give your coffee or latte up, I say just make do with a cheaper version and save the difference. You might appreciate the “real” thing more if you don’t get it very often. Tell us your top tricks and how much they have saved you in the comments below.

Category: Money Saving | Comments Off on Coffee Confessions
May 7 2019

Opportunity (Five Minute Friday)

This week, I am determined to get the Five Minute Friday post written before the last minute to post it on Thursday. I have been mulling over the prompt for the week since Friday night trying to figure out what I had to say about it. What I came up with is that opportunity is what you make of it.

I am forever telling anyone who will listen what a wonderful thing our local public library is. I have also said for many years that ANYone can learn with a library card in a cardboard box. You don’t need a computer, a fancy place to live and a top-notch school. If you want to learn, you will find a way to do it. There is a free education waiting at the local library and all you need is a library card. Well, that and the ability to read, I suppose. When I think of the thousands of books I have devoured over the years by using my library card and all the money those books would have cost if I had to buy them, I likely could have bought a new car with the money I had saved by checking them out.

It isn’t just books that the library has offered up over the years. When the kids were little, they loved the VHS tape of “Corduroy” the little bear who was found in the department store and taken home by the little girl who loved him. There was also the oh, so useful cassette tape, “Slumberland”, that would put the kids to sleep if they were still awake after their first choice of tape was over. There were music CDs and then movies and whole seasons of tv shows to binge watch on DVDs. Now they offer up free courses online, audiobooks, ebooks, streaming video and so much more. They regularly offer the ability to read entire articles from Consumer Reports to help me do the research needed to decide which major appliance brand and model is the best fit for our home. They offer free classes on more subjects than I could study in a lifetime. They even offer language courses. So you see with something as small as a library card, even if you lived in a cardboard box in an alley somewhere, you have the opportunity to learn as much as you want. They even offer a place to learn to read if that isn’t a skill you already possess. So the opportunity is there, I hope you will take the time to take advantage of all your local library has to offer.

This post is part of the weekly Five Minute Friday link-up!
The prompt this week is: Opportunity
The assignment: Write for five minutes on the word of the week. This is meant to be a free write, which means: no editing, no over-thinking, no worrying about perfect grammar or punctuation. Just write.

Category: Five Minute Friday, Learning, Reading | Comments Off on Opportunity (Five Minute Friday)
May 2 2019

I Read the First 4 Months Away

I have been listening to so many audiobooks as I make my 20-30 minute commute between work and home each day. I use the library’s website to keep a constant stream of audiobooks and ebooks in my wishlist and on my hold list. When I hear or read about a book I want to read, the first thing I do is look for it on Amazon because I have the little add on that then tells me if my library has it in the various formats and gives me a button to click to request it for hold or check it out on the spot in the case of electronic versions.

You might wonder why I bother to look them up on Amazon instead of going straight to the library website to look them up and be done with it. Well, you see I can find them faster because the Amazon search engines are much more forgiving than the library search. Also if the library doesn’t have it then I add it to my wishlist for future reference. The wishlist is not to be confused with the gift list because I am not hoping to be gifted a copy but rather to be able to remember with name and author of the book should I ever need to look for it at a later time. The thing that makes this wonderous search possible is the Library Extension. I highly recommend it and find it very useful. The best thing is that it is FREE!

Please see below the covers of the 52 books I have read so far this year. If you have any recommendations on books you think I should read, feel free to leave them in the comments below or send them to me via email or social media. All the links are in the top right-hand corner of each page on this site.

Karen’s bookshelf: read in 2019

What Matters Most: The Get Your Shit Together Guide to Wills, Money, Insurance, and Life’s “What-ifs”
Draw the Circle: The 40 Day Prayer Challenge
Love, Skip, Jump: Start Living the Adventure of Yes
The Dhandho Investor: The Low-Risk Value Method to High Returns
Check Me Out
Ridiculous Faith: Experience the Power of an Absurdly, Unbelievably Good God
Maybe It's You: Cut the Crap. Face Your Fears. Love Your Life.
The Ghost and Mrs. McClure
The Big Secret for the Small Investor: The Shortest Route to Long-Term Investment Success
Rising Strong
The Battle Plan for Prayer: Attacking Life's Struggles Through Prayer
Scratch: Writers, Money, and the Art of Making a Living
The Shoe Box: A Christmas Story
The Girl with the Lower Back Tattoo
Killing Thyme
Guilty as Cinnamon
Assault and Pepper
Treble at the Jam Fest
Butter Off Dead
It's Okay Not to Be Okay: Moving Forward One Day at a Time
Karen’s favorite books »

 

2019 Reading Challenge

2019 Reading Challenge
Karen has
read 52 books toward
her goal of
100 books.
hide

 

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April 26 2019

Touch (Five Minute Friday)

Of my four grandparents, the only one I recall meeting was my paternal grandmother. She did not have what I would call the grandma touch. I have at least two vivid memories that stand out to me when I think of her. It might be important to note that she was a widow for a few years by the time these memories took place.

When we were teens my uncle and aunt would bring my grandma down to visit with us for the day while they drove to a different town to visit with my aunt’s family for Christmas. Our city was on the way between where they started out and where they needed to end up so it worked out pretty well.

On this particular day, my mother was preparing a turkey dinner with all the fixings. This may well have been more of a meal than we normally would have been able to afford, but because grandma was coming it needed to be special. And to us it was. I distinctly remember my grandma asking my mother what we were having for dinner. My mom told her we were having the turkey dinner with all the fixings that normally went with it. Grandma rudely answered that she couldn’t stand turkey. Well, mom being the person she was and trying to make everyone happy, quickly pulled a foil-wrapped ham out of the freezer. Now mind you, this was well before the microwave was a common household appliance, so the only way to thaw it was to bake it in the oven in the hope that it would thaw enough to cut a few slices and serve them along with everything else as though it had been planned that way all along.

This might not sound so bad to you, but it probably messed up the family food budget for the next while. You see, we were poor. There were six of us in the family and at least three of us four kids were in our early teens by then. We were likely scheduled to make several meals from that turkey and the ham was probably being saved for some week well into the future. We didn’t eat ham dinners very often. So the fact that once meat had thawed it couldn’t be frozen again meant we would be eating a lot of meat in the next few days before it could spoil. Once the meat was cooked, it could be frozen, but it might well end up getting freezer burn and wouldn’t be the same as it should have been, to begin with.

The second memory was after I was married and had my first born who was about eighteen months at the time. My older sister and I had taken my son and my brother’s son who were just 18 days apart in age up to visit my grandmother in the old-age home she lived in. When we walked through the door, she took one look at me and said, “Karen, how did you get so fat?” I’m pretty sure I said, “Gee grandma, I don’t know. I guess I ate one too many desserts and, poof!” The entire time we were there she was nervous about the boys getting into things. Now we had my sister and I to divide and conquer so to speak, so they weren’t going to be causing any trouble. Besides, they were very well behaved.

I also remember that when mom would send her the 5×7 photos we had taken each fall at school for Christmas, that she would send us back the ones from the year before, simply switching them out of the same frames. Now that I am older, I understand this was likely her way of not having to deal with clutter, but it always set wrong with me. As I said, she just didn’t have the grandma touch.

Once I dug a little deeper into her genealogy, I began to understand a little more about why she may have been the way she was. It seems that when her Irish father and English mother got married, her mother’s family disowned their daughter and later left her only $1 in their will so she couldn’t contest it. So she never really got to know her maternal grandparents.

Then, her Irish grandparents listed themselves as widowed in the 1900 census although they were clearly both still alive and even living in the same county, though in different townships. In her grandfather’s will, he mentioned that he did not want his wife to get the customary one-third widow’s right as she had kept all the money the children had earned while growing up. He also didn’t want his oldest daughter to have anything either because she was mean to him. Family stories say he was a drinker and she was not a nice person. This might or might not be the case, but after learning all this it was much easier to forgive my grandmother for not having the touch. How could she? She never had the example of what a kind caring grandmother was supposed to be like. I figure she did the best she could with the hand she was dealt. By the time we came along, she had already been a grandmother to my uncle’s three kids for about ten years or so and maybe they got a different sort of grandmother out of the deal, who knows? My dad was so obviously not her favorite child, but that is a story for another post.

This post is part of the weekly Five Minute Friday link-up!
The prompt this week is: Touch
The assignment: Write for five minutes on the word of the week. This is meant to be a free write, which means: no editing, no over-thinking, no worrying about perfect grammar or punctuation. Just write.

April 25 2019

Review: One Pot Sauce

I grabbed these two jars of sauce while I was shopping at my local Aldi store. They sat on my pantry shelf for a while, I must admit. Then I got to thinking about what an easy way this would be to throw dinner in the crockpot one Saturday, and out they came.

I had some huge chicken breasts I had gotten then tossed in the freezer because I hadn’t gotten around to doing what I intended with them in a timely manner. So I grabbed those and thawed them some the night before then left them in the refrigerator overnight to do the rest. This package had five huge breasts that weighed in between six and seven pounds total, so I was glad I had gotten two jars of the sauce. I also wavered back and forth trying to decide if my smaller 5-quart crockpot would be big enough or if I needed to pull the 7-quart pot out.

I finally decided that the 5-quart would be the correct amount of full (2/3 full) so I used that size. Here is what it looked like before it cooked:

I rinsed the chicken before putting it in layers in the crockpot. I fit it all in in just two layers, then poured the two jars of sauce on top and cooked it all on high for about four hours.

Hubby loved it! The sauce thinned out a lot so before I put the leftovers away, I boiled it on the stovetop for a long time to let it cook down and thicken up then added it on top of the three chicken breasts that were leftover to have for dinner during the work week.

Here are all the parts of the jar label that you might want to see:

So, don’t be afraid to try new things. Especially if the new things are food products from Aldi because they have the Double Guarantee as shown on the label above. I have honestly never even considered trying to take advantage of this guarantee because I usually love everything I try from Aldi, though to be fair I don’t get things that I am fairly certain I won’t like. You know your tastes better than anyone, but don’t be afraid to broaden your food horizons. Did you know Aldi now offers delivery?

Have you tried a new product recently that you really liked? Be sure to share it in the comments so the rest of us can try it too.

Category: Review | Comments Off on Review: One Pot Sauce