tag:blogger.com,1999:blog-19642243151939200432024-03-13T09:08:22.748-05:00Frugal MN MommaFrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.comBlogger31125tag:blogger.com,1999:blog-1964224315193920043.post-79580994332575623252010-03-08T09:18:00.003-06:002010-03-08T09:24:54.527-06:00March Goals UpdateI have been doing great with my March goal of coming up with an extra $500. When I first started this last week I didn't think I had anything to sell. Now I am really motivated to find more items to sell. My poor dh is worried he will come home from work and all of his stuff will be sold. LOL!<br /><br />In the last week I have come up with the following extra money:<br /><br />$1.98 - check for credit balance remaining when we closed Discover card<br />$15.00 - extra money from "rounding up" in checking account<br />$5.90 - Opinion Outpost Check<br />$2.26 - check for credit balance remaining when we closed Sears card<br />$10.00 - sold bracelet<br />$12.00 - sold cookbook <br />$12.00 - sold cookbook<br />$25.00 - underbudget on groceries<br />$20.00 - Longaberger Basket<br />$85.00 - DH's Paintball Gun #1<br />$8.00 - video game<br /><br />$197.14/$500<br /><br />Pending Snowflakes:<br />TrueBlood Season 1 - $20<br />DH's Paintball Gun #2 - $80<br />Inbox Dollars Check - $28FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com2tag:blogger.com,1999:blog-1964224315193920043.post-16243092856236469782010-03-04T07:37:00.002-06:002010-03-04T07:39:18.091-06:00P&G Sample Pack with samples and couponsP&G Products is giving away free sample packs that include your choice of coupons and free sample products. <br /><br />Go <a href="http://www.pgeverydaysolutions.com/pgeds/pg-brandsaver-samples-coupons.jsp?edstempseg=GP&utm_source=GP&utm_medium=email&utm_campaign=March10Newsletter">here</a> to choose which coupons and samples you would like to get!FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-30298705815029611412010-02-28T14:52:00.006-06:002010-02-28T15:13:11.020-06:00March GoalsFor March I have a few goals I want to meet. At first my goal was to add $500 to our emergency fund. I was planning on doing this by doing some surveys, selling on craiglist, squeezing the heck out of my grocery budget, and coming underbudget on our utilities. Now it looks like the $500 will go to finishing our living room remodel. Dh has decided he is tired of living in a half finished living room (which is great he is motivated!-we just need to make sure no purchases go on a credit card). <br /><br />My normal grocery budget right now is $70 per week and I go every two weeks. (In summer I can usually be around $55-$60 when having a garden.) Last time I shopped was February 19 and I spent $150 (yes a little overbudget). I was planning on going shopping again March 5 but my sister in law has challenged me to try to make it another week. <br /><br />So my next shopping trip is tentatively planned for March 12. (Except for milk and fresh produce). I am hoping to be below budget and put that extra into savings for the month. I also cancelled our twice monthly Schwan's delivery so that will also go into our savings account.<br /><br />Also our electric bill has been running $150 per month. For the first time I am trying to air dry our clothes. The plan is to not use the dryer this month (only exclusion is towels and jeans drying for 5-10 minutes). It will be tough but I want to see how much money we will save on our electric bill. We are also going to be diligent about shutting lights off and the computer off at night.<br /><br />My motto in March will have to be "every little thing counts". It is going to be a challenge - Hmmm is it April yet? :0)FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-88402882743074726952010-02-28T14:38:00.007-06:002010-02-28T15:14:34.609-06:00Paying with CashThis is one change that can save you alot and help you to follow your budget. I will admit this was a foreign concept to me. I had always had either a credit card or a debit card with me and I never used cash. This has also been the toughest change for me. Some weeks I will do really well with this, others I will not.<br /><br />What I try to do each week is have 4 envelopes:<br />1. Groceries<br />2. Gas - Cars<br />3. Dh Fun Money<br />4. Me Fun Money<br /><br />Each payday I take out the budgeted amount for each envelope. I then make an attempt to not use a check, debit card, or credit card until the next payday. <br /><br />This does not always happen because to me using a debit card is much easier and more convenient that paying with cash. With cash I worry about not having enough when I go to pay vs. the ease of just swiping the card.<br /><br />Switching to "cash only" does work very well for me. Because I worry about not having enough cash at the checkout I do not put unnecessary items in my cart. I think more about what I am buying. It is also harder to spend when you physically see the money leaving your wallet and you know when the money is gone there is not anymore. It makes the money more real and you more accountable.<br /><br />I know I need to get back in the habit of using "cash only" again - one thing I am going to try is having a small calculator with me. I can then keep track of my total so there will be no surprises at the checkout.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-68531920886434454582010-02-28T14:26:00.004-06:002010-02-28T14:37:42.174-06:00Target / Walmart aka The Budget BustersHave you ever planned to stop at Target or Walmart for one or two items only to find yourself with a cartful of items being pushed to your car and $100 gone?<br /><br />This happened to me every week for years. When we were trying to cut expenses I knew these trips would have to stop. There are several things I have done to help me reduce the money I spend in both stores.<br /><br />1. I stay out of the stores if I am only needing a few items. I will get that item at a grocery store, dollar store, or even a gas station. I might pay more for the one item I do buy but I am saving money in the long run by doing this. It saves me the temptation of filling my cart full of items I do not need.<br /><br />2. If I do go to Target or Walmart it is a planned trip and I bring a list of items I need to buy. If it is not on the list I do not buy it! I also set myself a budget and bring cash.<br /><br />With these two changes I have been able to go from spending $100-$150 per week to less than $100 per month.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-69268763479164174432010-02-26T08:59:00.013-06:002010-02-26T09:24:05.060-06:00Whole Chicken Cooked in the Crockpot<a href="http://3.bp.blogspot.com/_SV_B1YqLkb8/S4flW7rSgEI/AAAAAAAAAB0/4fCPP8R2NOw/s1600-h/000_0038.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://3.bp.blogspot.com/_SV_B1YqLkb8/S4flW7rSgEI/AAAAAAAAAB0/4fCPP8R2NOw/s320/000_0038.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5442570856839675970" /></a><br /><br />When I was first married I tried cooking chicken in the oven and ah- just imagine the turkey on National Lampoons Christmas Vacation. I still cannot cook a chicken in the oven without it being very dry. So I found an alternative way to cook a whole chicken. Now - cooking a chicken this way is not something you want to do if you are having guests over for dinner. When you take it out of the crockpot it literally is so moist it falls apart. So you end up with pieces that you have to remove the meat from.<br /><br />1. To do this - you remove your giblets from the chicken. You place the chicken in your crockpot, season with salt, pepper and poultry seasoning. Put the lid on and turn on low for 7-8 hours. It is that easy, you do not add water or any other liquid. The chicken ends up cooking in its own juices. Picture above shows what it will look like after 8 hours.<br /><br /><br />2. You remove the chicken from the crockpot - It will fall apart when you start moving it. When you get all the pieces on a plate remove all the skin and bones and put them back into the crockpot. Fill the crockpot with water. Keep on low for 10-12 hours to make your chicken broth.<br /><br /><br />3. Strain the bones/caracass out of your liquid.<br /><a href="http://3.bp.blogspot.com/_SV_B1YqLkb8/S4fmhewE1pI/AAAAAAAAACU/q0ZcgqucYc4/s1600-h/000_0040.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://3.bp.blogspot.com/_SV_B1YqLkb8/S4fmhewE1pI/AAAAAAAAACU/q0ZcgqucYc4/s320/000_0040.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5442572137565312658" /></a><br /><br />4. What you have left is your chicken broth.<br /><a href="http://2.bp.blogspot.com/_SV_B1YqLkb8/S4fm2dXvehI/AAAAAAAAACc/XIPr94kOlIU/s1600-h/000_0041.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://2.bp.blogspot.com/_SV_B1YqLkb8/S4fm2dXvehI/AAAAAAAAACc/XIPr94kOlIU/s320/000_0041.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5442572497972066834" /></a><br /><br />From this chicken I was able to get:<br />the original meal of chicken, mash potatoes, and gravy<br />4 c cubed chicken<br />1 c shredded chicken<br />14 cups of chicken broth that I freeze in 2 cup portions.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-15013961536749762702010-02-23T10:46:00.007-06:002010-02-23T11:00:00.457-06:00VocalPoint.comIf you are looking for high value coupons and free samples to try vocalpoint is a great website to join. Since joining I have gotten free razors, cereal, and alot of high value coupons. <br /><br />Coupons are usually for a free item, $2/1 item, or $1/1 item and you get between 5 and 10 of these coupons. <br /><br />Click <a href="http://www.vocalpoint.com//index.html"><strong>here</strong></a> to join!<br /><br />Here are some of the coupons I have gotten from them:<br /><a href="http://moneysavingmom.com/images/old/6a00e552792fa288330120a6caf6c3970b-800wi.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 600px; height: 400px;" src="http://moneysavingmom.com/images/old/6a00e552792fa288330120a6caf6c3970b-800wi.jpg" border="0" alt="" /></a>FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-11575381752283589852010-02-21T15:58:00.013-06:002010-02-23T11:02:32.562-06:00Baking Day 2/21<a href="http://1.bp.blogspot.com/_SV_B1YqLkb8/S4GzR9FuONI/AAAAAAAAAA8/P4lqZFGtwuc/s1600-h/000_0042.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 200px; height: 150px;" src="http://1.bp.blogspot.com/_SV_B1YqLkb8/S4GzR9FuONI/AAAAAAAAAA8/P4lqZFGtwuc/s200/000_0042.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5440826945877981394" /></a><br />Today's baking day I tried a new recipe for some healthy whole wheat graham crackers. They did got go over too well with dh and the kids, they all say they taste blah. They say that because they are not sweet. I think they are pretty good and would be good with hot coffee or tea. We are also going to frost some of them with vanilla frosting - Yum! Next time I make these I am going to substitute the honey with molasses. I think these would be great with molasses in them!<br /><br /><strong>Whole Wheat Cinnamon Grahams</strong><br />6 c. whole wheat flour<br />1 1/2 c. oats<br />1 c. brown sugar<br />2 tsp. salt<br />2 tsp. baking soda<br />3 Tbsp. cinnamon<br />3/4 c. honey<br />1 1/2 c. oil<br />1 c. cold water<br /><br />In large bowl mix the dry ingredients together. Make a well in center of bowl. In a separate bowl, combine honey, oil, and water. Mix well, then add to the dry ingredients. Stir until you get a thick stiff dough. Grease two 10 x 15 pans. Put half the dough in each sheet and press flat. Use a pizza cutter to cut each pan of dough into 24 squares.<br /><br />Bake at 400 degrees for 13-18 minutes - until lighly browned. Cool on racks, reslice and break apart and store in air tight container or ziplock bag.<br /><br /><strong>Homemade Cinnamon Rolls w/ Cream Cheese Frosting</strong><br />Dough:<br />1 c. warm milk<br />1/4 c. melted butter<br />1/4 c. sugar<br />1 tsp. salt<br />2 eggs, lightly beaten<br />1 Tbsp. yeast<br />4 c. flour<br /><br />Filling:<br />1/2 stick butter, melted<br />1/2 c. sugar<br />4 tsp. cinnamon<br /><br />1. In a large mixing bowl, combine and stir ingredients in order listed. Knead dough and add additional flour as necessary to make a soft but not sticky dough. Knead dough for 5-10 minutes, until smooth and elastic.<br /><br />2. Place dough in a greased bowl, turning once to grease both sides, and cover with a clean towel. Set dough in a warm place to rise until double in size. <em>If you have a bread machine, you can use the dough setting in place of steps 1 and 2 here.</em><br /><br />3. Mix sugar and cinnamon in a small bowl. On a lightly floured surface roll dough into a 12 x 20 rectangle. Spread with melted butter and sprinkle with cinnamon sugar mixture.<br /><br />4. Roll dough into log and pinch edges and ends to seal. Slice into 12 slices (I use dental floss to do this)<br /><br />5. Place rolls, cut side down in greased 9 x 13 pan. Cover and rise until doubled.<br /><br />6. Bake at 350 degrees for 18-20 minutes.<br /><br /><em>Frosting:</em><br />8 oz cream cheese, softened<br />1/2 stick butter, softened<br />1/2 tsp. vanilla<br />2 c. powdered sugar<br />Milk<br /><br />Cream butter and cream cheese in bowl. Mix in vanilla and then add powdered sugar. Add milk to achieve desired consistancy.<br /><br />Frost rolls while still warm.<br /><br /><strong>Corn Beef Cheese Ball</strong><br />8 oz cream cheese, softened<br />8 oz extra sharp or colby cheese, grated<br />1 Tbsp. minced onion<br />2 Tbsp. milk<br />2 oz. Carl Budding Corn Beef or Deli Dried Beef, finely chopped<br />Chopped walnuts, optional<br /><br />1. Combine cheeses, onion, and beef with hands. Add 2 Tbsp. milk to mixture so cheeseball is more easily spreadable. <br /> <br />2. Roll mixture into ball; roll in chopped nuts.<br /><br />3. Wrap in plastic and refrigerate until needed. Serve with crackers or pretzels.<br /><br /><strong>Homemade Chex Mix</strong> (this is from a Crispix cereal box)<br />7 c. Crispix or Corn Chex (or off brand equivalent)<br />1 c. salted peanuts<br />1 c. pretzels<br />3 Tbsp. butter, melted<br />1/4 tsp. garlic salt<br />1/4 tsp. onion salt<br />2 tsp. lemon juice<br />4 tsp. worcestershire sauce<br /><br />1. Combine cereal, nuts, and pretzels in 13 x 9 pan. Set aside.<br /><br />2. Sir together remaining ingredients. Pour over cereal mixture. Stir to evenly coat.<br /><br />3. Bake at 250 degrees for 45 minutes, stirring every 15 minutes. Spread on paper towels to cool. Store in airtight container.<br /><br /><strong>Oatmeal Chocolate Chip Muffins</strong><br />see recipe <a href="http://frugalmnmomma.blogspot.com/2010/02/from-scratch-vs-from-store-jumbo.html">here</a>FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-737848297332586752010-02-20T19:24:00.004-06:002010-02-20T19:53:29.759-06:00Lowering Your Grocery Bill Without Coupons - ALDIThe key to being able to cut our grocery bill from $125/wk to $60/wk has been Aldis. They have the lowest prices on almost every item I buy. My family has been happy with the quality of all the items we have bought there. <br /><br />A couple tips for first time Aldi shoppers:<br />1. Bring a quarter for your cart. When you bring your cart back to the cart corral you get your quarter back. (This is my kid's favorite part of the trip - putting your quarter into the slot to unlock your cart and returning the cart and getting their quarter back.<br /><br />2. Bring your own bags. You can also purchase paper bags for .05 each at the checkout. I use a really nice and large size reusable bag I bought from Aldi.<br /><br />3. For payment they only accept cash or debit card. No checks or credit cards are accepted.<br /><br />Here is a price list for some items I buy at Aldi. I cannot guarantee that every Aldi has the exact same price but prices should be similiar. <br /><br />*I will add to this list as I purchase items and can get the price.<br /><br />Whole Chicken .79/lb<br />1 lb. Frozen Ground Turkey 1.19<br />14.5 oz. diced tomatoes .49<br />6 oz. tomato paste .39<br />8 oz. tomato sauce .25<br />15 oz. canned spinach .59<br />Canned vegetables .59<br />Cream of Mushroom/Chicken Soups .69<br />Frozen Juices .89<br />1 pint heavy whipping cream 1.59<br />Cereal 1.79-1.99 per box<br />26 oz. dog biscuits .99<br />2 ply paper towels .65/single roll<br />Quart Half n Half 1.99<br />Dozen Eggs .99<br />32 oz. plain Yogurt 1.59<br />24 oz. cottage cheese 1.99<br />Cooking Spray (similar to Pam) 1.29<br />1 lb. peanuts 1.99<br />15 oz. raisins 1.49<br />Chocolate Chips 1.69<br />48 oz. canola oil 2.19<br />Butter 1.79<br />16 oz. sour cream .89<br />8 oz. baking cocoa 1.49<br />Saltines .89<br />Graham Crackers 1.39<br />5 lb. Sugar 1.79<br />5 lb. All Purpose flour 1.55<br />2 lb. Powdered Sugar 1.29<br />8 Qt Dry Milk Powder 5.99<br />Limes .29 each<br />Lemons .29 each<br />Fresh Bela Mushrooms 1.59<br />Fresh Snow Peas 1.49<br />Cucumbers .49 each<br />Bananas .39/lb.<br />3 lb. oranges 1.39<br />2 lb. seedless grapes 1.98<br />Fresh Pineapple 1.99<br />Head of Lettuce .99<br />Gallon Milk 2.29FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-39204726954414244442010-02-20T17:59:00.003-06:002010-02-20T19:56:11.319-06:00Menu Plan 2/20 - 2/26Here is my second attempt at a menu plan. I really like doing this and it is saving me alot of money. I plan meals based on what I have in the freezer and pantry and then add meals in as I need them.<br /><br />Here is my meal plan for the next two weeks:<br /><br />Whole Chicken in Crockpot, salad, bread<br />Homemade Chicken Potpie, salad<br />Crockpot Chili, bread<br />Hammy Mac N Cheese, veggie, bread<br />Hamburger Rice Casserole, veggie, bread<br />Leftovers-Clean the Fridge Buffet<br />Homemade Pizza<br />Tilapia, veggie, bread<br />BBQ Briscuit, salad, bread<br />Beef Stroganoff, veggie, bread<br />Tacos<br />Ham n Cheese Quiche, fruit, toast<br />Soup and Baked Potato<br />Homemade Pizza<br /><br />I didn't need too many items to make these meals so I restocked my baking supplies.<br /><br />Grocery Shopping Trip:<br />Whole Chicken $4.39<br />2 Cucumbers $1.00<br />2 cans Diced Tomatoes .98<br />Tomato Paste .39<br />2 Tomato Sauce .50<br />3 lb. bananas $1.19<br />6 lbs. oranges $2.78<br />Half n Half $1.99<br />32 oz. Plain Yogurt $1.59<br />Cottage Cheese $1.99<br />Pint Heavy Whipping Cream $1.59<br />Peanuts $1.59<br />Raisins $1.49<br />2 Chocolate Chips $3.38<br />Saltines $.89<br />5 lb. Sugar $1.79<br />4 lb. Powder Sugar $2.58<br />3 Rolls Paper Towel $1.95<br />3 boxes dog biscuits $2.98<br />Flavored Creamer $1.49<br />Chili Powder $1.09<br />Baking Cocoa $1.49<br />Graham Crackers $1.39<br />8 Qt Dry Milk $5.99<br /><br />Total: $46.49FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com1tag:blogger.com,1999:blog-1964224315193920043.post-53764162704738717332010-02-18T08:55:00.008-06:002010-02-18T09:27:30.575-06:00The Budget"The Budget" use to a frighten me. Budget - what budget, we had never had one.<br /><br />Now the budget is one of the best tools we have in lowering our debt. Having a budget allows us to tell our money where it needs to go, instead of wondering where it went.<br /><br />To make a budget you will need three things:<br />1. How much income you have coming in.<br />2. How much you have going out in bills.<br />3. And the most important - your spouse or significant other<br /><br />To find out the amounts you have been spending in certain areas check the previous two months of your credit card statements, check registers, or online if you have online account access. (Doing this was a real eye opener for me, I noticed for the first time where our money was going - fast food restaurants, Target or Walmart, other stores in malls, sit down restaurants, and gas stations. Any correlation there ?:0) )<br /><br />Once you have that, sit down with your spouse or significant other and make a list of budget categories. An example of what a budget could look like is:<br />Mortgage/Rent<br />Utilites (list them out separately)<br />Car Insurance<br />School Lunches<br />Child Care<br />Sports Fees<br />Gifts<br />Clothes<br />Hair Care<br />Pet Care<br />Med. Copays<br />Groceries<br />Car Gasoline<br />Entertainment<br />Eating Out<br />Savings<br />Fun Money<br />Loans (list them out separately)<br />Credit Cards (list them out separately)<br /><br />Fill in the categories with the average amount of money you spent for one month. Some items like loan payments will be easy since they are always the same, others will just be an approximate amount. Once you know what you are spending for one month you can now look at areas you think you want to cut. <br /><br />Making a budget is one thing, sticking with it is another. You will hit bumps (we have many a time) and it took us 3-4 months to get a budget going that was doable. At first I tried to cut too much from too many categories and it just was not working. The trick is to start slowly and gradually lower your expenses.<br /><br />It gives you a feeling of empowerment to be able to look at your budget and see exactly where your money is going to be going for that month. If you have never done a budget try one for March. You have the next week to gather all of your information and plan your month of March out on paper. :o)FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-12946491015056135232010-02-17T19:30:00.008-06:002010-02-17T20:27:40.400-06:00My First Blog Award!!<a href="http://2.bp.blogspot.com/_FP-Mhbe1f9k/S3xUrBZXPFI/AAAAAAAAADg/LhFPAQwDyxw/s200/Sunshine+Blog+Award.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 175px; height: 170px;" src="http://2.bp.blogspot.com/_FP-Mhbe1f9k/S3xUrBZXPFI/AAAAAAAAADg/LhFPAQwDyxw/s200/Sunshine+Blog+Award.jpg" border="0" alt="" /></a><br /><br />I am excited to find out I have received a blog award! Thank you <a href="http://myfrugalfunlife.blogspot.com/">My Frugal Fun Life</a> for nominating me! Now I get to pass along this award to 12 other bloggers who make my life a little brighter!<br /><br /><a href="http://thesavedquarter.wordpress.com/">The Saved Quarter</a><br /><a href="http://simple-green-frugal-co-op.blogspot.com/">The Simple Green Frugal Co-Op</a><br /><a href="http://frugallyblonde.blogspot.com/">Frugally Blonde</a><br /><a href="http://www.thethriftymama.com/">The Thrifty Mama</a><br /><a href="http://www.down---to---earth.blogspot.com/">Down To Earth</a><br /><a href="http://homesteadinghousewife.blogspot.com/">The Homesteading Housewife</a><br /><a href="http://jennywls.blogspot.com/">Debt Free Forever</a><br /><a href="http://www.living4free.blogspot.com/">Living 4 Free</a><br /><a href="http://eclecticculturefarm.blogspot.com/">Living Off-Grid at Maple Valley Farm</a><br /><a href="http://moneysavingmom.com/wp-content/w3tc/pgcache/moneysavingmom.com/">Money Saving Mom</a><br /><a href="http://under1000permonth.blogspot.com/">Under $1000 Per Month</a><br /><a href="http://under1000permonth.blogspot.com/">Penniless Parenting</a><br /><br /><em>Rules of Acceptance...</em> <br />Put the logo on the sidebar or within a post<br />Pass the award on to 12 bloggers who brighten your day<br />Link to the nominees within your post<br />Let the nominees know they received this award by commenting on their blog <br />Link back to the person who gave you this award, as a way of showing your appreciation for being appreciated :)FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-63152458112179947612010-02-17T12:58:00.005-06:002010-02-17T13:30:11.965-06:00Homemade Wheat BreadThis is our favorite Homemade Bread to make! There is nothing better than fresh bread from the oven slathered in butter. Yum! Yum! This dough is also very versatile and makes great dinner rolls and artesian style round loaf. (see bottom of post)<br /><br />1 c. warm water<br />1 Tbsp. milk<br />2 Tbsp. Oil<br />2 Tbsp. Honey<br />2 Tbsp. Brown Sugar<br />1 tsp. salt<br />1 1/2 c. Flour<br />1 1/2 c. Whole Wheat Flour<br />2 tsp. yeast<br /><br />1. Combine first 6 ingredients in mixing bowl. Stir.<br /><br />2. Add flours and yeast, and knead dough 5-10 minutes. Instead of kneading by hand I use the dough hooks that came with my handmixer to blend/knead the dough. You can also use a Kitchaid Mixer(or similiar brand) with dough hook. Here is a pic. <br /><br /><a href="http://1.bp.blogspot.com/_SV_B1YqLkb8/S3w-XAxug2I/AAAAAAAAAAs/mpZSWX2WIl4/s1600-h/000_0019.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://1.bp.blogspot.com/_SV_B1YqLkb8/S3w-XAxug2I/AAAAAAAAAAs/mpZSWX2WIl4/s320/000_0019.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5439291015023199074" /></a><br /><br />3. Shape dough into a ball (use a little flour if it is sticky) and place in a greased bowl, turning once to grease the top. Cover with a clean towel and let rise until doubled, about 45-60 minutes. <br /><br />4. Punch dough down and shape into a bread loaf. Place in greased loaf pan and cover. Let rise in a warm place until almost doubled in size, about 35-45 minutes.<br /><br />5. Bake at 350 degrees for 30 minutes. Remove bread from oven and allow to rest in the pan for a few minutes. Remove to a wire rack to cool.<br /><br /><a href="http://2.bp.blogspot.com/_SV_B1YqLkb8/S3w_zp_1LOI/AAAAAAAAAA0/MrfFgrqXMD0/s1600-h/000_0025.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://2.bp.blogspot.com/_SV_B1YqLkb8/S3w_zp_1LOI/AAAAAAAAAA0/MrfFgrqXMD0/s320/000_0025.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5439292606636174562" /></a><br /><br />Additional notes: If you have a breadmaker, you can use the dough setting to knead it for you. Just put ingredients in according to order listed. Then shape into loaf, put into loaf pan and follow the rest of the instructions.<br /><br />This recipe is very easy to double if you would like two loaves. (Do not do this if using bread machine)<br /><br />I have substituted molasses for the honey and had great results.<br /><br />I have also used 2 c. whole wheat flour and 1 c. flour for one loaf and it tasted great!<br /><br />I have made dinner rolls with this dough - on step 4 roll dough into balls and place on greased cookie sheet instead of putting into a bread loaf pan. Follow rest of instructions as for bread. For a round loaf just shape the ball of dough into one round loaf and place on greased cookie sheet.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-52630307810543519592010-02-17T10:50:00.003-06:002010-02-17T10:57:34.319-06:00Kitchen Tip - Getting Your Bread Dough to RiseIf you live in a cold climate (like me in Minnesota) and you have a difficult time getting your bread dough to rise in the winter here is a tip that I found that works great!<br /><br />Put your bowl on top of your crockpot and set your crockpot on either "low" or "keep warm" setting. It will look like this<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_SV_B1YqLkb8/S3wfNGYdSII/AAAAAAAAAAc/j7UmUToDovI/s1600-h/000_0021.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://4.bp.blogspot.com/_SV_B1YqLkb8/S3wfNGYdSII/AAAAAAAAAAc/j7UmUToDovI/s320/000_0021.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5439256759868672130" /></a><br /><br />I also do this after I punch down the dough and transfer to my bread loaf pan-<br /><br /><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_SV_B1YqLkb8/S3wff2oxorI/AAAAAAAAAAk/SHKiPMSjDOM/s1600-h/000_0022.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://3.bp.blogspot.com/_SV_B1YqLkb8/S3wff2oxorI/AAAAAAAAAAk/SHKiPMSjDOM/s320/000_0022.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5439257082059662002" /></a><br /><br />Up Next I will have an Awesome Homemade Wheat Bread Recipe!FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-1239467609178528062010-02-16T09:31:00.004-06:002010-02-16T09:42:40.240-06:00Opinion Outpost - Earn $ Online Doing SurveysIf you would enjoy participating in survey research and helping companies better understand how to improve their products and services, click <a href="http://OpinionOutpost.com/join/7078985">here</a> to sign up for Opinion Outpost.<br /><br />I have tried several different online survey companies and Opinion Outpost and Inbox Dollars (see other post) are my two favorites. <br /><br />With Opinion Outpost I have done several fun surveys which range in time from 10 minutes to 45 minutes. *Longer surveys earn you higher amounts.<br /><br />So far on Opinion Outpost I have earned $70 and also have gotten to try new products. You can cash out when your account reaches $5 for either a check or an Amazon gift card.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-83897272446996393102010-02-16T09:07:00.006-06:002010-02-17T14:15:29.068-06:00Inbox Dollars - Earning $ OnlineI have tried a few different websites for earning money online. <a href="http://www.inboxdollars.com/?r=ref4914956">Inbox Dollars</a> is one of my favorites to use. <br /><br />There are several ways to earn money at Inbox Dollars. Once you get to a $30 balance you can cash out. I have received one check and am almost ready to cash out for another.<br /><br /><strong>Get paid to read emails.</strong> Get paid .02 for each email you read. You click on "confirm read email" and the money is deposited into your account. Will you get rich quick dong this - No, but it easy to click on links while watching tv or if you are on the internet already. <br /><br /><strong>Online Surveys</strong> - you can do surveys and earn .50 for each survey.<br /><br /><strong>Cash Offers</strong> - You can buy products and earn money at the same time. One of my favorites for this was Gamefly.com. My dh wanted to sign up for Gamefly and I found a link on Inbox Dollars to get $10 for signing up.<br /><br /><strong>100% Free Cash Offers</strong> - You earn money for doing surveys and trying products. These cost you no money to do.<br /><br /><strong>Cash Games</strong> - Earn money for playing online games.<br /><br /><strong>Cash Shopping</strong> - Shop on your favorite online websites and earn a percentage back of the dollars you spent. If you are shopping online anyways, why not get a percentage back. <br /><br />Sign up <a href="http://www.inboxdollars.com/?r=ref4914956">here</a> and earn a $5 Bonus for signing up!FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-79073450916246976842010-02-15T15:52:00.004-06:002010-02-15T16:06:00.247-06:00Frosty Flicks - Movie & Popcorn for $3<a href="http://ads.marcustheatres.com/Files/FrostyFlicks_240x525.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 240px; height: 525px;" src="http://ads.marcustheatres.com/Files/FrostyFlicks_240x525.jpg" border="0" alt="" /></a><br /><br /><br />Marcus Theatres is having Frosty Flicks from February 6 - March 20!<br />Join us February 6th - March 20th, 2010 on Saturday mornings at 10am to view your favorite family flicks for just $3! Popcorn is included, so grab the family and head to your nearest participating Marcus TheatreĀ® location!<br /><br />Here is the list of movies they will be showing:<br />Feb. 20 - Cloudy with a Chance of Meatballs<br />Feb. 27 - Where the Wild Things Are<br />Mar. 6 - Fantastic Mr. Fox<br />Mar. 13 - Planet 51<br />Mar. 20 - Alvin & The Chipmunks The Squeakquel<br /><br />Check <a href="http://www.marcustheatres.com/Promotion/PromotionDetail/4/">Here</a> to find a participating Marcus Theatre near you.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-66036071761363745862010-02-14T15:30:00.006-06:002010-02-14T16:18:54.643-06:00Baking Day 2/14Here is what I made today:<br /><br /><a href="http://3.bp.blogspot.com/_SV_B1YqLkb8/S3h1lGuI4qI/AAAAAAAAAAM/8C3-aTMXcM0/s1600-h/000_0002.jpg"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 320px; height: 240px;" src="http://3.bp.blogspot.com/_SV_B1YqLkb8/S3h1lGuI4qI/AAAAAAAAAAM/8C3-aTMXcM0/s320/000_0002.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5438225830369616546" /></a><br /><br /><br /><br /><strong>Waffles</strong><br />2 c. flour<br />3 Tbsp sugar<br />1 Tbsp baking powder<br />1 tsp. salt<br />1 3/4 c. milk<br />2 eggs, separated<br />4 Tbsp. Oil<br /><br />Combine beaten egg yolks, milk, and oil. Combine dry ingredients in separate bowl. Stir wet ingredients into dry ingredients. Beat egg whites and fold into batter. Makes 8-9 waffles. (I did a triple batch today)<br /><br /><strong>Homemade Brownies</strong><br />Boil 1 c. water, 2 sticks butter, and 1/4 c. cocoa in medium - large pot.<br />Add: <br />2 c. sugar<br />2 c. flour<br />1 tsp. baking soda<br />1/2 tsp. salt<br />2 eggs<br />1 tsp. vanilla<br />1/2 c. buttermilk or sour milk<br /><br />Pour into a 10 x 16 cookie sheet/pan. Bake 20-25 min. at 350 degrees.<br /><br />Frosting:<br />Boil 1 stick butter, 1/4 c. cocoa, 1/4 c. buttermilk, and 1 tsp. vanilla. Remove from heat and add 1 lb. powdered sugar. Beat well. Spread over brownies.<br /><br /><strong>Heart Shaped Peanut Butter Cookies</strong> <br /><br /><strong>Maple Flavored Syrup</strong> - click <a href="http://frugalmnmomma.blogspot.com/2010/02/from-scratch-vs-from-store-maple.html">here</a> for recipe<br /><br /><strong>Banana Bread</strong><br />3 1/2 c. flour<br />3 c. sugar<br />1 tsp. salt<br />2 tsp. baking soda<br />1 tsp. ginger<br />1 tsp. allspice<br />1 tsp. cinnamon<br />1 tsp. nutmeg<br />2 c. mashed bananas<br />5/8 c. water<br />1 c. oil or unsweetened applesauce<br />4 eggs<br /><br />Mix all dry ingredients together. Add rest of ingredients. Mix.<br /><br />Bake at 350 degrees for 60-70 minutes. yield 2 loaves<br /><br />*You can also substitute 2 c. pumpkin for the bananas and make an awesome pumpkin bread!<strong></strong>FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-78680745702876765972010-02-14T13:12:00.005-06:002010-02-14T16:20:19.807-06:00From Scratch vs. From Store - Maple Flavored SyrupToday I tried making maple syrup for the first time. We were almost out of syrup to it was a great time to try this out! <br /><br />Also have you ever read the ingredients on the back of your maple syrup bottle? Here is what mine listed: corn syrup, high fructose corn syrup, water, sugar, natural and artificial maple flavor, then a list of preservatives and coloring. This recipe is basicly the same thing but the bonus is you only have the healthy ingredients in it. <br /><br />Basic recipe:<br />2 c. sugar<br />1 c. water<br />1 tsp. maple extract<br /><br />Bring water and sugar to a slow boil over low heat, stirring constantly. Remove from heat before it comes to a rolling boil(to keep crystals from forming). Add flavoring as it is cooling. Store in the refrigerator. This makes about 12 oz.<br /><br />For thicker syrup replace half of the water with corn syrup.<br /><br />REVIEW:<br /><br />I did not realize it would take as long as it did to get the mixture to a low boil. So try to talk one of your kids into starting the "stirring constantly" part of this for you. It took 15 - 20 minutes to get this to a low boil. Since I don't enjoy standing in one spot and stirring constantly I am doubling this recipe next time. The fewer times I have to do this the better.<br /><br />The consistancy is really thin and I did not mind it but the kids said it did not look like the syrup from the store. So next time I plan to replace 25% of the water with corn syrup. I did not have maple extract on hand so I used 100% Pure Grade B Maple Syrup that I got Free from Amazon.com with swagbucks. I had boughten this syrup about 6 months ago but no one here liked it so I have been slowly using it up in recipes. This worked perfectly - I added enough for the taste and color we wanted for the syrup. The taste was excellent and everyone preferred it over the store bought. With the changes outlined above this will be our new syrup recipe.<br /><br />COST ANALYSIS: (24 oz.)<br />Homemade = .30<br />Store bought = $3.00-$4.00FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com2tag:blogger.com,1999:blog-1964224315193920043.post-18856564241893259942010-02-12T10:35:00.006-06:002010-02-12T14:29:26.345-06:00From Scratch vs. From Store - Jumbo MuffinsThis is going to be the first of many threads comparing store bought items to making them from scratch.<br /><br />My dh and kids really like the jumbo muffins you can buy for about $1.00 each in stores or even more from the work vending machine. Once I found out dh was buying these every day at work I decided to figure out a way to make them on my own. I knew I could make them cheaper and healthier.<br /><br />I searched everywhere for a jumbo muffin pan but could not find one. Amazon came to the rescue again. I think you can get anything you need from that site LOL. <br /><br />I bought this <a href="http://www.amazon.com/gp/product/B000NBSI32/ref=oss_product">muffin pan</a> and I love it! When I shop at Amazon I always try to order $25 worth of items so I can get free shipping. I did not have a bundt pan so I added this <a href="http://www.amazon.com/gp/product/B000FCEQ1W/ref=oss_product">bundt pan</a> to my order. My total came to $25.00 so I got free shipping.<br /><br />This is where Swagbucks comes into play. I save up my swagbucks for $5 Amazon gift cards. I always wait until I have $25 in giftcards to use them so I can order with free shipping.<br /><br />So total cost for these pans shipped to me was <strong>FREE</strong> thanks to <a href="http://www.swagbucks.com/refer/Gymboreecloset">swagbucks</a>.<br /><br />For the jumbo muffins we just use our regular muffin recipes and add a couple of minutes to the cooking time. <br /><br />Here is a recipe we like:<br />Oatmeal Chocolate Chip Muffins<br />1c. oatmeal<br />1c. buttermilk or sour milk<br />1 egg<br />1/2c sugar<br />1/3c oil or unsweetened applesauce<br />1 1/4c. Flour<br />1/2 tsp. baking soda<br />1/2 tsp. salt<br />1 tsp. baking powder<br />6 oz. chocolate chips<br /><br />In large bowl combine oatmeal and buttermilk. Let stand 5 minutes. Add egg, sugar, & oil, Beat well. Add flour, b. soda, salt, and b. powder. Mix again just until moist. Fold in chocolate chips.<br /><br />Fill cups 2/3 full. I usually have extra batter that I will use in a regular muffin pan. 400 degrees for 20 minutes. (check the larger ones-they may need a few extra minutes)<br /><br />COST ANALYSIS:<br />Price for 6 store bought jumbo muffins $6.00<br />made from scratch $1.50 or less (depending if you get chocolate chips on sale)<br /><br />- www.frugalmnmomma.blogspot.comFrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-90968795854976866422010-02-11T14:06:00.004-06:002010-02-12T14:30:58.036-06:00Lowering Your Auto/Homeowner's InsuranceThis is one area that we were able to lower our bill by about 45%!<br /><br />For over 10 years we had insurance with a man that dh knew before we were married. Over that 10 year period of time we had never checked on insurance rates because dh always said that his friend gave us the lowest rates possible. I kept thinking about calling around but did not know where to start or who I would even call.<br /><br />I was having a conversation about this with my mom and she mentioned that we should call the lady she had her insurance through. My mom said she had gotten her and my stepdad lower rates. <br /><br />I called Mary and gave her all of our information and she recommended what types of coverage we needed etc. That is when I found out the great news that Mary was an insurance broker. She took all of our information from me and shopped around for me to find the lowest rates available. She called me back the next day with 3 different options to choose from. All were lower than the coverage we currently had.<br /><br />We were able to get a policy with all the exact same coverages we had for $80 less per month. We also had her check our homeowners and was able to save $400 per year on homeowners too.<br /><br />Mary did all the work of switching our policies. We received some papers in the mail to sign and return to her. It was really easy to make the switch.<br /><br />www.frugalmnmomma.blogspot.comFrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-45086329513643675082010-02-11T13:04:00.006-06:002010-02-12T14:31:43.421-06:00Menu Plan thru 2/19Dinner has always been decided about 4pm and it was always a headache to try to figure out what to make. I work 3pm-7pm so I would get that daily call about "What's for supper?". My usual response was "I don't know, whatever you can find" or "You decide."<br /><br />Last Friday dh and the kids complained that we had no food in the house. So my first response was "we will go to the store for a big grocery trip tomorrow". This grocery trip usually cost us around $200-$250. I knew there had to be a better way to grocery shop and save money in the process too. Here is my first venture into menu planning...<br /><br />Last Friday I decided to try to make a menu plan. I was overwhelmed but got some help. I had always thought menu planning was about picking random recipes that you want to make. When starting to make a menu plan I found out the first thing you need to do is find out what you already have in your freezer, fridge, and pantry. So this menu plan is mostly using items I already had on hand. Next menu plan I will use a combination of what I have on hand and what items are on sale. <br /><br />For breakfast we always have hot or cold cereal, pancakes, or waffles. Lunches are leftovers/we usually make a buffet of whatever is in the fridge. <br /><br />These are what I had in my freezer:<br /><br />13 lb. ham<br />4 lb. beef briscuit<br />box of 20 pork egg rolls<br />box of jumbo breaded shrimp<br />4 lb. pkg. of country style pork ribs<br />3 lb. pkg. of beef soup bones<br />2 lb. bag of leftover turkey meat<br />2 Beef Roasts<br />1 lb. ground turkey<br />various bags of frozen veggies<br /><br />Here is my menu plan for suppers from 2/5 through 2/19<br /><br />Breaded Shrimp, Rice, Veggie<br />Crockpot Turkey Soup, Grilled Cheese Sandwiches<br />Ham, Mashed Potatoes, Corn, Gravy, Rolls<br />Crockpot Scalloped Ham & Potatoes, salad, bread<br />Clean the Fridge Night (leftovers)<br />Crockpot Beef Roast, Carrots, Potatoes<br />Beef Stroganoff with Noodles, veggie<br />Ham Quiche, Fruit, Toast<br />Homemade Pizza<br />Country Style Ribs, Potato Salad, Baken Beans<br />Sour Cream Chicken, Veggie, Rolls<br />Tator Tot Hotdish, veggie<br />Chili, Bread<br />Cheesy Potato Dish w/ Ham, salad, bread<br />Ham & Cheese Omelettes, Hashbrowns, Fruit<br />Homemade Pizza<br /><br />Grocery Total for the items I needed to make these was $71.00.<br /><br />I don't plan to enter a grocery store again until 2/20. <br /><br />Based on what I have experienced this week doing a menu plan can save you alot at the grocery store. It is also awesome not to have to think about what to make for suppers.<br /><br />www.frugalmnmomma.blogspot.comFrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-50590390641513195582010-02-11T10:30:00.006-06:002010-02-12T08:01:27.766-06:00Walgreens 101Shopping at Walgreens can save you alot of money on Health and Beauty items. <br /><br />Here are some examples of ways to save at Walgreens. <br /><br /><strong>WALGREENS 7 DAY COUPONS FROM WEEKLY AD</strong> <br /><br />These coupons can be combined with MQ's (manufacturer coupons)or IP's. (internet printables) Also you only need one Walgreens coupon no matter how many of that product you buy. For example if a coupon states Twizzlers .99. You can buy 2 Twizzlers and you will only need one coupon. The register will automatically deduct the price for both Twizzlers when the coupon gets scanned. So in this scenario: <br /><br />You have 2 MQ for Twizzlers that say .50 off 1 Twizzlers. You purchase two packs of Twizzlers. The Twizzlers are scanned at regular price ($2.59 each). You hand the cashier your two MQ's and the your one Walgreens 7 day coupon. The 7 day coupon will deduct $1.60 off each bag of Twizzlers, making your total $1.98. Your MQs get scanned which deducts another $1.00 off your total. Your total will be .98 plus tax. <br /><br /><br /><strong>REGISTER REWARDS</strong> <br /><br />In every weekly ad Walgreens does specials "When you buy $15.00 of the following products receive $5.00 back in register rewards (RR) for your next shopping purchase. Or Buy 10 items receive $5.00 back in RR. <br /><br />Example: <br /><br />Dimetapp Cough Syrup <br />$3.99 each <br />RR deal- Buy 2, Get $5 - Buy 3 - Get $10 <br /><br />I have (qty 3) $3 MQ to use so this is what I will do. <br />3 x 3.99 = 11.97 <br />-$3.00/1 (x3)9.00 <br />Total Out of Pocket: $2.97 + tax<br />I will get a $10 RR. <br /><br />The RR prints off a catalina machine near the register. They are considered a manufacturer coupon. You can not do the same deal twice in one transaction and get two of the same RR's. If you have a $10 RR from buying Dimetapp you cannot use it to pay for Dimetapp in another transaction and get another RR.<br /><br />Since a RR (Register Reward) is considered a manufacturer coupon you have to make sure you more items than coupons. For example you want to buy 3 items and you have a MQ for each of the items. If you want to use a RR to pay for your items you now are using 4 coupons. So you need to add something else to your order so you have 4 items. I usually will buy something really inexpensive like a pencil. This extra item(s) you need to buy are referred to as fillers.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-85917891987016932482010-02-11T09:09:00.004-06:002010-02-11T09:26:02.432-06:00Couponing 101Are you new to couponing? Here is some basic information to help you get started. I will be doing coupon matchups every Sunday morning for local stores. If you want to join in starting Sunday all you need to do is buy your local metro area paper.<br /><br />These are the three basic type of coupons you can use. <br /><br /><strong>Manufacturer Coupons (MQ):</strong> <br />Buy your local Sunday paper. I usually buy two a week so I can get doubles of coupons. Holiday weekends do not have any coupon inserts in it. <br /><br /><strong>Internet Printable Coupons(IP): (not all stores accept IP coupons)</strong> <br /><a href="http://print.coupons.com/couponweb/Offers.aspx?pid=13306&zid=iq37&nid=10&bid=alk0211070229263a3b2c86714">Online Coupons</a><br /><br />This is a free website to get coupons from. Tip: after you print the first coupon press the back arrow, hit refresh, and print another coupon. You can print two copies of most coupons this way. After two it tells you you have exceeded your limit. They reload new coupons on the 1st of each month.<br /><br /><strong>Product websites: </strong><br />Alot of products website will have coupons you can print off. Do you have a favorite brand of an item? - Try their website you may find a coupon for it.<br /><br /><strong>Store Coupons (SC): </strong><br />In my area these are Target store coupons & Walgreens 7 day coupons in the weekly ad<br /><br />The great thing about store coupons is that they can be combined with either a MQ (manufacturer coupon) or an IP (internet printable) to save you even more. An example of this would be if Walgreens had a coupon in thier weekly flier for $.99 Twizzlers. You may have a MQ or IP for .50/1 Twizzlers. You can combine those coupons and get Twizzlers for .49 each. Even better is if you have $1.00/1 you will get Twizzlers for free and may make .01 on them. Technical term is "overage". I say "may" because not all stores will allow you to have overage. They will hand key the coupon in for .99 instead of $1.00. You can do this mulitple times in most cases. If you have 3 SC and 3 MQ you will get 3 bags of Twizzlers for $.49 or free depending on what MQ coupon you have.<br /><br /><em>To be able to get good deals you need to save the MQ's every week and match them up with store ad's. A big key to this is organization.</em> <br /><br /><strong>ORGANIZING COUPONS</strong><br /><br />There are so many different ways to organize coupons. You can use a 3 ring binder with baseball card sheets and (4x6) photo sheets and slip your coupons into them. You can use envelopes, or a recipe box with dividers. There are many options. Some examples of dividing tabs you can use are:<br /><br />A basic one like FOOD, PETS, CLEANING, HEALTH & BEAUTY, BABY, PAPER GOODS, MISC.<br /><br />Another option would be to further categorize into: <br /><br />PREPARED/ CANNED, CEREAL/BREAKFAST, BEVERAGES/SNACKS, MEATS, DAIRY/REFRIGERATED, CLEANING, PAPER/PLASTIC, HEALTH & BEAUTY, PETS, MISC. <br /><br />Some people take thier binders/boxes to the store with them. Others plan thier trip and just take the coupons they will need with them in a small envelope.<br /><br />To the embarassment of my dh and kids I am one of those that brings my coupon box wih me all the time. I have gotten items for free by doing this. You never know what items you will find on clearance.FrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0tag:blogger.com,1999:blog-1964224315193920043.post-23827754751443200352010-02-10T20:54:00.004-06:002010-02-10T20:59:32.610-06:00Low Cost Fabric Softner & Dishwasher Rinse AgentDo you like to use fabric softner in your laundry? Here is a low cost alternative....<br /><br />Vinegar - <br />just pour the same amount of vinegar into your fabric softner compartment.<br /><br />I promise your clothes will not smell like vinegar!<br /><br /><br />Do you buy that expensive jet dry agent for your dishwasher? Low cost alternative....<br /><br />You guessed it - vinegarFrugalMNMommahttp://www.blogger.com/profile/00365093989036287285noreply@blogger.com0