How to Begin Saving

Hi there, saving money is never easy and especially if you are new at it, I have tips and strategies for getting started and sticking with the savings plan. I only recently began saving in 2009. I started out with 5 dollars a week which was equal to 25.00 a month. I did this for 4 months and decided that it was not hard to save 5.00 a week, so I went up to 10.00 a week. I also did this for 6 months, so then I decided that I wanted to save 100.00 a month… So, what I did was take 5% of my income and on my payday I would calculate 5% and put it in my savings account. I have done this type of savings for basically a year now. Also, anytime I cash in cans and bottles or I get a check for my birthday or for Christmas….. I take that amount no matter how small it is and put it in my savings account. My new goal for my first Paycheck in January is now 10%. I believe that if you start small, and then work your way up it is far less painful. I also can tell you having that money in my savings account has saved me from having to put car repairs on my credit cards, at least the entire amount anyway ;-)
Think of this method of saving like the old drip coffee pots.  A drip here and a drip there, and pretty soon, you have a full pot.


Happy Savings and a very Happy New Year to all of you.....  Have a Fabulous & Frugal Day!!!!

25 Amazing Uses for Baking Soda

  

Check this out.....  Totally amazing!!!!  I will be using some of these tips and tricks.  Baking Soda, also known as sodium bicarbonate is convenient and econimical for house cleaning and personal care. 

Have a Fabulous & Frugal Day!!!!  25 Amazing Uses for Baking Soda You've Never Thought Of @ http://look.ac/9j9R0t

2011 Tax Breaks

Ok....  the tax laws have been all over the news for about the last month now.  I have decided that if in fact I end up getting a little more on my paychecks beginning in 2011, I am going to use 1/2 of whatever it may be, for my savings account and the other 1/2 for my credit card debt.  Currently I am making some headway on my credit card debt...  I have 2 cards that will be paid off in January and that 60.00 that I am currently using on those cards will go to the balance of the next card on my list.  I am using the snowball effect.  I am super happy and actually elated, because I am beginning to really see the efforts of 2 years of  total Frugal Living, and I am really starting to feel accomplished.  I am really looking forward to 2011, especially with my goals in place.

Have a Fabulous & Frugal Day!!!!!

Save Money On Gas

If you live in an area like I do with regular intervals of snow and ice....  Save on your gas mileage by clearing all snow and ice completely off of your car before you drive it each day.  Everything needs to come off the windows, as well as the entire car.  A hundred pounds can reduce your mileage, so save your mileage and your gas costs by sweeping and scraping ice and snow daily.  You might as well get the best possible mileage for your money.

Have a Fabulous and Frugal day!!!

After Christmas Sales

I know that it is a little early to be talking about the after Christmas sales, but I am completely finished with my Christmas and I am so grateful.  I get to kick back now on my days off and make home made Amaretto for my friends and family for a little something extra. 
This year I am looking forward to the after Christmas sales, I have actually put money aside.  I am going to get my wrapping paper, bows, tree ornaments, and Christmas decor' for somewhere between 50% to 90% off.  These are the standard savings.  You can also cash in on savings on household items, clothing, food items and candy.  Seriously everything will be on sale.  So...anything you did not get for Christmas but really wanted......  This would be the time to get it. 

Have a Fabulous & Frugal Day!!!

Hurricane Lamps

Okay.....  I did it!!!!  Here are my Hurricane Lamps, I decorated them with a Christmas decorations and garland from the dollar store.  They were easy and fun, not to mention inexpensive to make.  These are the gifts for my co-workers. 

Have a Fabulous & Frugal Day!!!

Rules for Re-Gifting

It is that time of year again (smile).....  and I am going to give you tips and pointers for regifting.  I think most of us re-gift but few will actually admit to doing it. I believe that it is better to re-gift something you are not going to use or something that you do not like, rather than letting it clutter up your house or throwing away a perfectly good item....  Think of it like recycling . And, when it comes to gift giving isn't it suppose to be the thought that really counts?  I believe that re-gifting can be done thoughtfully, fabulously and classy.  Here are the rules.

1.  Make sure that the gift you are re-gifting is a good match for the person that you are giving it to.  Make sure it is something they will like and use.  Isn't this how you got in the position to re-gift in the first place?
2.  Quality counts.  Make sure that the gift is in good (new) shape.  If it is worn out, then give it to a thrift store or charity of your choice. Do not re-gift used items.  They should be in their original box and packaging. 
3. Wrap it up nicely.  This will personalize the gift (at least in your own mind)
4. Do not give the gift back to the person who got it for you.  If you are going to re-gift you have to keep track of where you got the item in the first place.  

Have a Fabulous & Frugal Day!!!!!!

Crock Pot

All I can say right now is "Thank God" for my Crock pot.  The weather has turned really bad here, lots of snow and ice.  My commute is grueling, and long.  It has been taking me about an hour and 10 minutes to travel 32 miles.  This week I made chicken hindquarters in the crock pot, added 1 cup of orange juice and seasoned it with garlic and pepper.  I cooked some white rice and removed the chicken from the bones and threw it in the rice and just a little bit of the juice from the crock pot....  and this is what I have taken in my lunch the last 2 days.  Today before I left my house, I put a bean mixture together.  It is 16 bean variety of soup and I also had about 3/4 cup of split peas left over from the last time I made soup.  I mixed the split peas with the 16 bean variety and soaked them overnight.  When I got up I threw 2 ham hocks in the crock pot...  rinsed the bean mixture, added about 8 cups of water, chopped up 1/2 an onion and a 1/2 bag of baby carrots, seasoned with garlic and pepper...put the crock pot on low, and left for work.  I cannot wait to get home and have hot soup.  The temperature here is 19 degrees, and I just think there is nothing better than hot soup on a cold day.
Have a Fabulous & Frugal Day!!!!

Til Debt Do Us Part

I have recently discovered a Fabulous show on CNBC, it is called "Til Debt Do Us Part" .  This show is hosted by a Canadian lady named Gail Vaz-Oxiade.  I just love listening to her talk, she is adorable cute.  So what she does is she gets together with couples that need financial help.  Gail has a no-nonsense approach to getting to the root of the financial problem by giving weekly "challenges" to her couples.  I believe they work in 4 week increments and when the couples have successfully met the challenges, they are rewarded with a check by Gail...  usually the checks are about five thousand dollars to help pay down their debt.  Gail puts couples on budgets, takes away their debit and credit cards, and puts their weekly allowance into jars for them that are labeled, as to how the money will be allocated. 
I find this show to be quite fascinating and extremely educational as well as entertaining.  Gail is a genius, and it is so cool to know that the folks in Canada are faced with the same problems financially that we in the U.S are also faced with.  If you get the opportunity to watch this show or check her out on line, I guarantee that you are going to learn something.
Have a Fabulous and Frugal Day

Gas Prices

I have come to the conclusion that it is cheaper to buy gas on Tuesdays and Wednesdays than any other day of the week.  At least it seems to be true in Oregon.  I have been tracking gas prices for 2 months now, and my investigation shows that on Thursdays it seems to be the day when the gas prices go up, and my assumption is to gouge consumers for the weekend.  So, if you must fill your tank each and every week like I do....  Tuesday and Wednesdays seem to be the best (and cheapest) days of the week to buy gas.

Thanksgiving Left Overs

Happy Thanksgiving!!!  Now that the big meal is done and over, here come's my favorite part...the Left Overs.
I just love turkey sandwiches, and mashed potatoes, stuffing and gravy.  I will eat this for the next several days and not grow tired of it.

I made a pan of turkey enchiladas, I boiled the turkey carcass, and picked the meat off all of the bones, I took a can of green chili enchilada sauce and used 1/2 the can to line the bottom of a cake pan. 
I took a tub of sour cream and mixed it with a can of cream of chicken soup and a can of diced green chilies.
I used 10 tortilla shells.  put this sour cream mixture in the middle of the tortilla and a handful of turkey meat.
rolled them up like burritos and put them in the cake pan.  When the pan was full of enchiladas, I mixed the rest of the enchilada sauce with the sour cream mixture and poured it over the top of the rolled up tortillas.
I topped it with grated cheddar cheese and olives and baked it at 350 for 30 minutes until the cheese was all bubbly. 
Very easy and very tasty...... 

Now.... the broth from the boiled turkey....  I skimmed off the fat, loaded it up in a ziplock freezer bag, and stuck it in the freezer.  I will use this broth for a batch of home made soup in a week or two. 
Have a Fabulous & Frugal Day!!!!!!

Slow Cooked Asian Chicken

This sweet Asian soy chicken is a simple meal that comes together in your slow cooker. This is great for the chicken lovers in your family - they will chow down on these delectable chicken legs.  Here is a Fabulous recipe to use up those bags of Chicken Hindquarters that you have in your freezer that you loaded up on while they were on sale.....  Enjoy




Serves: 6


http://www.favediets.com/Crock-Pot-Recipes/Slow-Cooked-Asian-Chicken
Cooking Time: 5 hr



Ingredients

6 whole chicken legs

1/2 cup soy sauce

1/4 cup packed light brown sugar

1 clove garlic, crushed

8 ounces can tomato sauce

Instructions

1.Rinse chicken and pat dry with paper towels. Place chicken in a slow cooker.



2.In a medium bowl, combine soy sauce, brown sugar, garlic, and tomato sauce. Pour sauce over chicken.



3.Cover and cook on LOW about 5 hours or until chicken is tender.

Have a Fabulous & Frugal Day!!!!

Pumpkin Bars with Cream Cheese Frosting

This is a family favorite recipe.... it is easy to make and absolutely delicious....just in time for Thanksgiving.

2 cups all purpose flour
2 cups sugar
2 teaspoons baking powder
1 teaspoon baking soda
1 teaspoon ground cinnamon
1 teaspoon nutmeg (optional)
1/8 teaspoon salt
4 eggs, beaten
1 large can of pumpkin (1 pound 13 oz size)
1 cup vegetable oil

Cream Cheese Frosting
1 3 oz package of cream cheese~ room temperature
2 cups confectioners' sugar
1 teaspoon vanilla extract
6 tablespoons of butter or margarine ~ room temperature
1 tablespoon milk

In a mixing bowl combine flour, sugar, baking powder, baking soda, cinnamon, nutmeg, and salt.  Stir in eggs, pumpkin, and oil, spread in a greased 15 inch by 10 X 1 inch pan.  (I use a large jelly roll or cookie sheet) Bake at 350 for 30 -40 minutes.  Or until done. Toothpick inserted will come out clean. and cool on wire rack.

Meanwhile, for frosting beat together cream cheese, confectioners' sugar, vanilla, and butter.  Add milk and stir until smooth.  Frost your cooled cake, and cut into squares.   This recipe makes approximately 4 dozen bars. 

Fabulous Home Made Cranberry Sauce

This recipe is so easy and so fabulous, that you will never buy canned cranberry sauce ever again.  Your friends and family will truly be impressed and your house will smell amazing.  It is a win win recipe

12 oz bag of fresh cranberries
3/4 cup orange juice
2/3 cup brown sugar
1/3 cup white sugar (can use more if you like it sweeter)
2 oz gold rum

place all ingredients in a sauce pan and cook on med high for 15-20 minutes, or until most of the liquid has reduced, stirring occasionally.  You will hear the cranberries "pop"....  no worries, that is what you want them to do.  Remove from heat and serve.  Cranberry sauce can be made days ahead and brought to room temperature or slightly heated before serving. 

Have a Fabulous & Frugal Day!!!!

How to Make A No Sew Fleece Blanket

How to make a No Sew Fleece Blanket.....  These blankets are so easy and pretty quick to make and they make such nice gifts, and are wonderful to snuggle up with while watching TV

What you'll need:




1-2/3 yds. of print outerwear fleece 1-2/3 yds. of a solid outerwear fleece Tape measure



•Cut a square of each fabric that measures from 56" to 58" square. This measurement should be a whole number. Remove the selvages (fabric fray)

•Place the squares over each other, wrong sides together.

•Cut a 5" square from each corner.

•To cut fringe, lay one piece of fabric on the floor/table, and then fold the 5" to be fringed back.

•Cut fringe 1" wide and 5" deep on all sides.

•Using a overhand knot, tie the front and back fringe together.

•Do this all the way around the blanket being careful not to stretch the fabric.



In no time at all you'll have a beautiful no-sew blanket that's warm and attractive.



And because it's so easy, you'll have time to make a no-sew, hand-tied pillow to match!



Just cut a square of fabric that is 18" plus 10" square. Follow the same steps as the blanket, but to assemble, tie the three sides, and then slip the pillow inside. Tie the front and back fringe. Finish tying and you're done.



It's that easy!



Find more easy to do crafts, legitimate work-from-home help, parenting tips and so much more at www.MomAndHerMoney.com. Make more, spend less, be happy!

Save Money on Black Friday

Here it is....  drum roll please......  My fabulous strategy for saving money on Black Friday (day after Thanksgiving) is to NOT GO SHOPPING!!!!!!  Yes, you heard me right.  I am pretty much done with my Christmas shopping, and I am working all of the holidays this year.  I will save a ton of money by not shopping on Black Friday. 
Have a Fabulous & Frugal Day!!!!

6 Ways to live like a Billionaire

http://articles.moneycentral.msn.com/SavingandDebt/SaveMoney/6-ways-to-live-like-a-billionaire.aspx

Here are the secrets we have been dying to know~ Ha ha.
Have a Fabulous & Frugal Day!!!!

The Magic of Vinegar

Yes, that is right, Vinegar is a magical cleaner.  I just used a solution of 50/50 white distilled vinegar and warm tap water to shampoo the carpet in my hallway.  Kinda smelly at first but the smell dissipates rather quickly.  I got stains out that had been in the carpet for the last several cleanings using products designed to clean carpets.  The carpet is soft and lofty looking once again.  I am completely impressed with the results of plain ol' vinegar. I doubt I will ever use anything else.
Have a Fabulous & Frugal Day!!!

Fabulous & Frugal Gift Ideas

50 homemade gift ideas Check this out!!!!  Absolutely Impressive.  I am totally going to the Dollar Store on my days off.  The Hurricane Lamps looks so elegant and beautiful and they will make fabulous gifts.  I was also really checking out the little pot snowmen.  I will keep you posted and post pictures if I end up making some of these.
Have a Fabulous & Frugal Day!!!!!

November

Holy cow!!! November already?? I just got used to writing 2010, it will probably take me 11 months to get used to writing 2011 (weird thinking about it). I spent my days off this week out of town at a training seminar for work. My class was "Building 9-1-1 Life Bridges to Suicidal Callers" It probably sounds a bit shocking to the ordinary people in the world, but it was informative, powerful and moving. Seriously, I have a lot more compassion and tolerance for the mentally ill now. The only problem with being out of town on my days off, is that when I got back late Tuesday night....I had to go to work on Wednesday, Thursday and Friday. I do not have any left overs to pack in my lunch (insert sad face here). I did make some tuna fish and I have cans of soup so I am okay for the time being, but I sure am craving some home made food. I am looking forward to my days off to catch up on housework, laundry and cooking,
Have a Fabulous & Frugal Day!!!!

The Joy of Tomatoes

I have an over abundance of Tomatoes from the garden... I never thought I would ever admit this, but I am getting pretty sick of tomatoes. Here are 12 ways to eat raw tomatoes.

1. Tomatoes sliced (with salt & Pepper)
2. Tomatoes w/cottage cheese & pepper
3. Tomatoes w/ balsamic vinegar drizzled on them
4. Tomatoes w/ Mayonnaise spread on them (& pepper)
5. Tomato sandwich
6. Tomato & Cheese sandwich
7. Tomato stuffed with tuna (salad) and sprinkled with dill
8 Tomato stuffed with chicken salad
9. Tomatoes chopped and mixed with chopped olives, garlic and a little olive oil (spread this on crackers~YUM)
10. Tomatoes sliced on scrambled eggs
11. Tomatoes sliced on a hamburger patty
12. Tomatoes sliced on your favorite sandwich.. (maybe not peanut butter)

I really do love tomatoes and am glad they came on so well in the garden. Any other ideas out there using tomatoes?

Have a Fabulous & Frugal Day!!!

Impossibly Easy Chicken & Broccoli Pie

I totally love Bisquick, I actually use the generic, I think it is called Krusteaz, and it works like a dream. If you have not tried the Impossibly Easy pie recipes from the "Bisquick" website. I highly recommend the recipes, it makes for some tasty frugal cooking and the left-overs are fabulous for my lunches.

1 box (9 oz) Green Giant® frozen broccoli cuts, thawed, drained
1 1/2 cups shredded Cheddar cheese (6 oz)
1 cup cut-up cooked chicken or 2 cans (5 oz each) chunk chicken, well drained
1 medium onion, chopped (1/2 cup)
1/2 cup Original Bisquick® mix
1 cup milk
1/2 teaspoon salt
1/4 teaspoon pepper
2 eggs


1.Heat oven to 400°F. Spray 9-inch glass pie plate with cooking spray. Sprinkle broccoli, 1 cup of the cheese, the chicken and onion in pie plate.
2.In medium bowl, stir remaining ingredients with wire whisk or fork until blended. Pour into pie plate.
3.Bake 35 to 38 minutes or until knife inserted in center comes out clean. Sprinkle with remaining 1/2 cup cheese. Bake 1 to 2 minutes longer or until cheese is melted. Let stand 5 minutes before serving.
Makes 6 servings

Have a Fabulous & Frugal Day!!!!

Saving Money on Halloween

I am totally saving a ton on Halloween this year.... I am not having it. I did buy some candy for the trick-or-treaters, to be passed out by whomever happens to be at home. I will be out of town for work on this day, and away at training for 2 days. I really have mixed feelings as I do enjoy dressing up and passing out the candy. But at the same time with that devastating financial blow, it is actually a blessing.

Making the Most of Every Dollar

I have pretty much recovered from what-ever ailments I was suffering from....and now I am suffering from a money ailment. I got hit with a 407.00 bill that I was not expecting. This is going to be a super tough month for me. I must say that the fall canned food sale was such a fabulous idea and I am so glad that I stocked up on what I did. I figure my grocery bill be very minimal...because it has to be. My bills will only get the minimum payment this month, so that I can have gas money to get to work for the rest of the month. It is terribly hard at times to make that paycheck stretch for the entire month. I only have 2 paydays before Christmas and really I am not even stressed. I plan on having a simple Christmas, and already have most of my gifts anyway. Another great feeling of planning ahead. I am trying so very hard to make the most of every dollar, not just this month but always.
Have a Fabulous & Frugal Day!!!!

Life

I have not been overly creative this week. I am still recovering from my illness, but I have made it to work everyday. So basically this week has just been filled with working and sleeping.
I do know on my days off that I must catch up on housework (if you can actually catch up).
Here is wishing you all a Fabulous & Frugal Day!!!

Shepherd's Pie

Dinner tonight is Shepherd's Pie. I hope there are left-overs for my lunch tomorrow.

Ground beef (or Elk is what I used)
pepper and garlic powder
1 can of tomato soup
2 cans of tomato sauce or 1 big can
1 can of corn drained
1 can of french sliced green beans drained
left over mashed potatoes~ I had left-overs from last night
grated cheddar cheese

brown the burger season to your taste~ drain fat (if there is any) add the tomato soup and 1/2 soup can of water. Stir in the 2 cans of tomato sauce. Mix well and put in a casserole dish or cake pan. Drain the corn and sprinkle over the meat mixture. Drain the green beans and sprinkle over the meat mixture. Drop rounded spoons of the mashed potatoes right on top of the meat and veggies. Top with grated cheddar cheese. Bake uncovered for 25-30 minutes. Broil on hi for about 5 minutes until cheese is bubbly.

Have a Fabulous & Frugal Day!!!!

Saving The Dollar Bills

I talked to my sister on the phone yesterday, and I was telling her what my plan of action is to save for a cruise to Bermuda next year. I have been saving all of my one dollar bills. I have been doing this since October 1st. I found an old make-up case. The kind you get for free (well probably not free) at the clinique make-up counter, when they have their purchase specials. Anyway it is a green mid size zip up bag, that currently has 26 one dollar bills in it. My hope is that this is an easy way to save up some cash. I don't ever spend my change, so we will see how much I can accumilate.

Have a Fabulous & Frugal Day!!!

Sick Day

Ok- here I am with the croopy crud. Sore throat, Sinus congestion, and chest congestion. Still trying to remain ever so frugal and not wanting to go to the drug store I am hanging on to my cash. I made one big trip to the medicine cabinet.
Vicks Vap-o-rub~ I just love this chest rub it is so soothing and opens up the air way. I am begining to breathe better already.
Mucenex~ Actually this is generic Mucenex left over from when my daughter was sick awhile back. I am so greatful to have found these.
Emergen-c~ I like this hot, and probably need the vitamin c to boost the immune system.
Nyquil~ this will come in handy at bed time.
Add my hot tea and plenty of rest. I have been laying in bed and sipping my tea.
I hope to be well or at least much better in a day or two.

Have a Fabulous & Frugal day!!!!

Saving Money Everyday

I got to thinking, and here are some tips and tricks that I use everyday to save money.

1. I pack my own lunch...today it was Chili and an egg salad sandwich, and apple. The eggs I scored for free an 18 pack of farm fresh eggs from a friend who is house sitting.
2. I fill up my gas tank every week. I am not completely sure how this saves money but it does save time because I commute, so with a full gas tank I am ready to begin my week.
3. I recycle cans and bottles. Sometimes I get lazy and let them stack up but the last time I cashed them in I had $12.65.
4. I rarely go shopping.
5. I paint my own nails...complete manicures, and pedicures, while watching TV in the comfort of my home.
6. I swap clothes with friends.
7. I cook at home.
8. I drink water (and coffee and tea) No soda pop for me.
9. I reheat and reuse leftovers or create a "new" dish out of leftovers.
10. I try to be as happy as I can with what I have.

Have a Fabulous & Frugal Day!!!!

Packing My Lunch

I just love packing my lunch, and saving. Today I am taking a cheese sandwich on whole wheat bread with tomato slices on the side (to avoid the sog factor), A stuffed tomato with tuna and dillweed on top. I seem to have an abundance of tomatos from the garden and am always looking for creative ways to eat them. I also brought a yogurt and 2 little blueberry bars. It seems to me, that not only is it cheaper but it is also healthier to pack your lunch. My plan is at months end....any cash I have left in my purse, will go into my savings account.

Have a Fabuous & Frugal Day!!!!

Rescued Chilean Miners

I know this has nothing to with saving money.... But I have been watching CNN all day and I am so excited for the guys (and their families) being rescued. This is truly the best news story I have seen in a long time. No doom and gloom. It is just so refreshing to see some positive "good news" for a change.

Free Water

Yesterday I decided to take advantage of the rain. I removed the plastic coverings on my garden and folded them back, this is in an effort to avoid freezing at night. I wanted to take advantage of the free water. It rained at a moderate level for most of the day yesterday, and today my garden is happy and rejuvenated.

Have a Fabulous & Frugal Day!!!

Thrift Store Galore

I was recently out of town visiting another city in my wonderful states of Oregon, when I happened upon a thrift store. Of course I went in to check it all out and trust me my husband was less than thrilled, but I promised him that I would only look around on the bottom floor. (I am still trying to find a reason to go back so that I may check out the top floor). Anyway in about a 20 minute time frame, I found a pair of size 8 Calvin Klein mid rise jeans, a red leather (glove leather) belt, a Pair of black clogs (shoes)` brand new, a maroon zipper front long sleeved light weight sweater and a Tommy Hilfiger sweater in red, white and blue. I also found a Liz Clayborn small over the shoulder purse in black, almost brand new. I was absolutely thrilled with my finds and here comes the best part...... $18.00. Yes Eighteen dollars!!! I am thinking about taking a picture of my outfits and posting them.

Have a Fabulous & Frugal Day!!!

Fall Canned Food Sale

Sorry I have not posted for awhile, I have been working and had to go out of town for a few days.
Recently I shopped a local grocery store for the fall canned food sale. I spent 174.00 on canned food and here is a run down of what I ended up with.
1 case of canned evaporated milk (for my senior citizen kitty) and when I run out of regular milk for cooking (no sense running to the store)
1 case of Nalley Chili, my daughter and I love this. I made chili cheese omelettes the other night and they were delish.
1 case of Tuna fish~ I will never have to wonder what kind of sandwich to take to work. I also love tuna and saltine crackers, it is one of my favorite lunches.
1 case of applesauce. I use it for baking and I eat it right out of the can.
1 case of mandarin oranges....I could live off these.
1 case of green beans. I use these in soups and make with dinner.
1 case of corn. I also use these in soups and to make with dinner.
1 case of spaghetti sauce, my daughter mostly uses these, but when I make zuchinni parmesean I always use canned spaghetti sauce.
1 case of diced tomatoes. I use these in spaghetti, and soups.
1 case of tomato sauce. Use for cooking spaghetti, casseroles and soups.
It seems as if I am missing 2 cases of something....but cannot think of what it is.
I am very happy to have my pantry over flowing. The use by dates are in 3 to 4 years for most of it. I am just thankful because with my pantry so full, all I will have to buy at the store is essentials, like bread, milk, potatoes, yogurt, and whatever the loss leaders of the week happen to be. Everyday I feel like packing my lunch, is not such a chore.

Have a Fabulous & Frugal Day!!!

Best Taco Soup

1 lb Burger (any burger) brown in skillet throw in soup pot and add the following
1 can black beans, rinsed
1 can kidney beans, rinsed
1 can of corn, juice and all
1 can rotel mild or med tomatoes & chiles, w juice or use canned diced tomatoes
1 pkg taco seasoning mix
1 pkg ranch dressing mix

enough water to cover ingredients. Heat until warm (or piping hot)

Serve: Grated cheese and crunched up tortilla chips on top.
Enjoy!!

Have a Fabulous & Frugal Day!!!!

Apple Pie in the Crockpot

Wondering what to do with all of those Fabulous fall apples?
Have a Fabulous & Frugal Day!!!!!

Crock Pot Apple Pie
Crock Pot Apple Pie ~ What could be better than making apple pie in your crock pot while you are at work?



8 tart apples, peeled and sliced

1-1/4 teaspoons cinnamon

1/4 teaspoon allspice

1/4 teaspoon nutmeg

3/4 cup milk

2 tablespoons butter, softened

3/4 cup sugar

2 eggs

1 teaspoon vanilla extract

1/2 cup biscuit baking mix

1 cup biscuit baking mix

1/3 cup packed brown sugar

3 tablespoons cold butter



Toss apples in a large bowl with cinnamon, allspice and nutmeg. Place in lightly greased crockpot. Combine milk, softened butter, sugar, eggs, vanilla extract and the 1/2 cup biscuit baking mix. Spoon over apples. Combine the 1 cup biscuit baking mix and brown sugar. Cut the cold butter into mixture until crumbly. Sprinkle this mixture over top of apple mixture.

Cover and cook on LOW for 8 hours.

Preparing for the Holidays

I know, I know. It is not even Halloween yet, and I am planning for Thanksgiving and Christmas. For me, it is crucial to get my plan in place. I only get paid once a month, so I really need to plan ahead. I am on the lookout for coupons right now to stock up and start getting the canned food supplies and things I can stick in the freezer for gourmet fabulous meals for the Holidays. I know I want Turkey for Thanksgiving, and will be planning the menu soon. As far as Christmas goes, I have made my list of family members, friends and co-workers for gift giving. I have really been checking out various websites for home made gifts. Also while I have been out on my thrift store adventures, I have come across 3 suitable gifts (brand new, still in the original boxes and one even still has the price tag on) for the lucky recipients on my list. So far I have picked up PJ's for my mom, and 2 fabulous books for my dad and my sister. My daughter is getting a silver necklace that I got on clearance...I have everything hidden and tucked away, and I am looking forward to adding to my stash this week. This is my strategy for the Holidays in a futile attempt to be ready and not have to use any credit cards for any unexpected gifts. I like to be done early with Christmas gifts too. I do not have to run around like a chicken with my head cut off, and I can mail my gifts to out of state family right after Thanksgiving. I plan on having a Fabulous & Frugal holiday season!!!!

Books

Yes... I did it again. I managed to score 9 more books, all recently published (within the last 2 years) some even made book club status, and Oprah's reading list...ALL FOR FREE!!! I am super excited about this because Fall is upon us, and I hate Winter. Usually in the Winter I just work and read by my fire. I am such a fair weather Johnson, and Winters on the High Desert can be brutal (snow and ice) the only time I leave my house is to go to work. I am thankful I do not spend my Winters in Minnesota.......... Some day when I am old and arthritic, I will head South during Winter.
Have a Fabulous & Frugal Day!!!

ahhhh// Chicken Noodle

I am at the tale end of my week, and boy has it been a long one. I am completely ready for a weekend.
Today I made "Chicken Noodle"
I boiled the meat off of 3 1/2 hindquarters that were made on Tuesday
I seasoned the water w/ garlic salt, and pepper
I picked all the meat and skin off of the bones (nice treat for kitty, the skin and bones)
put all the "meat" back into my pot of seasoned water
added 4 stalks of celery/ chopped
added 5 carrots / chopped
cooked these until tender
added 1/2 bag of egg noodles~ cooked to package directions

This was super delish~ Once again my plan was to bring the left-overs to work.....and there was nothing left. I brought a sandwich to work.

Have a Fabulous & Frugal Day!!!!

Economic Recovery??

Wow, I just found out this recession ended in June 2009. Who knew? I am sure not feeling like I have received a windfall or even a raise at work. Just today I noticed that things seem more expensive at the store too. I am wondering how the Americans (or anyone for that matter) that are out of work are taking this fabulous news? I do know that I am going to continue doing what I am doing with my frugality, and sock away little by little in my savings account. It sure seems hard sometimes to put anything in savings with that ever diminishing paycheck. There is some good news with the stock market, I guess things are improving there. I do sincerely hope that this recession has passed. I am certainly not changing my lifestyle (or lack of lifestyle) any time soon. Regardless of how much money I am making.... I am going to keep saving, and keep living as frugally as possible.
Have a Fabulous & Frugal day!!!

Crock Pot Goulash

Spray crock pot with non stick cooking spray
5-6 medium potatoes, peeled & chopped in the bottom of the crock pot
1 medium onion, chopped
5-6 carrots, peeled and chopped
1 can of corn (drained)
1 can green beans (drained)
2 lb. hamburger
salt and pepper
1 can tomato soup + 1/2 can of water (mix this together, and pour over the top of all ingredients)

Starting with the potatoes, layer vegetables in the crock pot. You can use frozen vegetables but will need to add 1/2 cup water. Place raw hamburger on top of vegetables and top with the tomato soup. Cook on high 4-5 hours, or cook on low 6-8 hours.

Serve with Biscuits.


This recipe is simply fabulous. My kids and hubby love it. I was going to take left-overs to work, but there weren't any. This was perfect to throw in the crock pot and cook while I was sleeping.

Have a Fabulous & Frugal Day!!!

Book: A Purse of Your Own

I am currently reading "A Purse of Your Own" by Deborah Owens. It is an easy read on investing for women. This book is complete with questionnaires, quizzes, and resource guides, as well as stories from real women that have changed their lives by following Deborah's expertise. This is an excellent read, it is easy to understand especially for beginners, even with a limited budget. I started this book 2 days ago and am already 1/2 way through. Have a Fabulous & Frugal Day!!!!

Happiness

I read a most disturbing article yesterday....Oregon Suicide Rate Tops U.S., By Far...... got me thinking (oh no). Is it a chemical imbalance? Is it overall dissatisfaction? Is it job loss, the economy? Is it divorce or death? Do the majority of people in my State bring on this depression themselves? I have come to the conclusion that happy people do not commit suicide.

I have decided that I must be content and happy and here are my strategies:

Work~ I don't always love my job but I am grateful to have it.
I try to associate with the positive people at work, and in life, and ignore the negative people....they tend to be to "toxic" for my well being.

I try to get adequate sleep and exercise.

I don't worry about "Keeping Up With The Jones's" (I don't want their payments)

I read books and listen to music that I like, and find inspiring.

I try not to spread myself too thin, with too much on my plate. I find it too stressful and it makes me feel crabby. I try to have balance and sometimes I have to re-evaluate my activities on a daily basis.

I try not to be too hard or over critical of myself.

When I do "get down in the dumps" I change my focus, and take it "One Day at a Time"

Have a Fabulous & Frugal Day!!!!

Online Learning

I have been checking out the free education sites and have come across Open Learn. http://openlearn.open.ac.uk It is college education based in the UK. There are all kinds of listings for courses to download, or print and also open forums, and study units. There are many topics and areas of study listed, and the best part is that it is free. If you like to learn this website is for you. Have a Fabulous & Frugal day!!!!

Online Banking

I am completely annoyed with my bank. I am anal about getting on my account everyday and checking the balance and balancing my payments that have hit the account. I have not been able to log on since Friday, and this being a long weekend the bank was not open on Monday. I called the bank on Tuesday and had my pin number reset....and it is still not working. I know I should not be stressed, there is money there but I just can't stand not being able to look at my account. I will be calling the bank again in the morning, and by the way I hate talking to people on the phone when it can be taken care of on the internet. This is such a catch 22 for me.

Paula Deen's Zucchini Bread

Here is the recipe that I have been using.... It is super delicious. I have had to add a little more water. And forget the nuts, they are too expensive and this bread taste great without them. Have a Fabulous & Frugal day!!!!

Ingredients
3 1/4 cups all-purpose flour
1 1/2 teaspoons salt
1 teaspoon ground nutmeg
2 teaspoons baking soda
1 teaspoon ground cinnamon
3 cups sugar
1 cup vegetable oil
4 eggs, beaten
1/3 cup water
2 cups grated zucchini
1 teaspoon lemon juice
1 cup chopped walnuts or pecans
Directions
Preheat oven to 350 degrees F. In a large bowl, combine flour, salt, nutmeg, baking soda, cinnamon and sugar. In a separate bowl, combine oil, eggs, water, zucchini and lemon juice. Mix wet ingredients into dry, add nuts and fold in. Bake in 2 standard loaf pans, sprayed with nonstick spray, for 1 hour, or until a tester comes out clean. Alternately, bake in 5 mini loaf pans for about 45 minutes.

Economic Slump

I feel as if I am in my own personal economic slump right now. I have no desire to go shopping, no desire to buy anything outside of groceries and gas. I feel as if I just want to use up what I have, wear the same old clothes that I have been wearing. And take the money that I have at the end of the month and put it in my savings account. I know that I should be paying myself first....but I always end up taking money out of my savings account before months end, so I devised this new plan.
I have been making zucchini bread lately.... 6 loaves in the last 2 days, thanks to my friend Jamie. Free Zucchini, you can't beat that. I will post the recipe, it is super good and has been a big hit with my co-workers.

I No Longer Carry My Credit Cards In My Purse

I feel as though I have a made a positive step....It may be a baby step but trust me baby, it is a positive step. Over the weekend my zipper broke on my purse (which I will be doing some research on because it is a Coach) and I have cleaned out everything that I was carrying in that doctors bag, and when I switched to the new/old purse, I did not include my credit cards. I figure that I no longer want to add debt to the cards that I am trying to reduce and/or get paid off. I know this will be weird to get used to, but I figure with a little planning and determination, after a month or so I will not miss them. It is a goal of mine to have my two smaller limit credit cards paid off by the end of the year. Send me any tips or ideas that you use for not adding debt back onto your credit cards. Have a Fabulous & Frugal Day!!!

Change

I added one more sandwich bag of change to my secret drawer today. There are now 6 bags of coins and the drawer is getting heavy. I am trying to figure out if I should stash them somewhere else or actually take them to the bank?? In some ways I would like to just keep stock piling my coins and maybe someday take a fabulous vacation. I think I will sleep on it, and in the meantime keep saving my change. Have a Fabulous & Frugal day!!!!

The Lost Art of Home Canning

I love to home can my own Jams and Jelly's, as well as Salsa. Occasionally I will make recipes in the pressure canner too. Canning is really not hard, it is a little time consuming, but the rewards are unbeatable. This info was taken off of the Ball Canning Website, I hope you find it useful. Oh and by the way.... I found an old Kerr Canning book (from 1947) just a small paper one at a yard sale last month for 25 cents. Have a Fabulous & Frugal day!!!

Why Should I Can?

Fresh Preserving provides a number of great benefits which are relevant to today’s lifestyles. While home canning has been around for generations, the reasons why people can today are different than the reasons why people canned products years ago.

Gardening and home canning can lower your grocery bill. Burpee Seed Company (www.burpee.com) estimates that for every $50 spent on seeds and fertilizer, a gardener can yield $1250 worth of produce. As it’s not feasible for a family to enjoy all of that fresh produce all at one time, home canning allows you to preserve that fresh, home grown flavor from your garden for use all year long, and saving on your grocery bill.

Home canning supports sustainable lifestyles. Canning locally-grown produce reduces the carbon footprint created by transporting vegetables around the world in off-seasons. A study by Carnegie Mellon found that 11% of the average American’s household food-related greenhouse gas emissions come from the transportation of foods. You can reduce that by growing your own produce or purchasing it locally, and then fresh preserving the harvest and re-using Ball® Jars year after year.

Fresh preserving allows you to manage your family’s nutrition. Many canning enthusiasts enjoy the versatility and control they have with fresh preserving recipes. When you fresh preserve foods, you can avoid additives and preservatives found in many commercial products, and you may even opt to use organic ingredients.

According to research from The National Gardening Association, 48% of consumers’ garden to ensure their food is safe. Canning is a perfect way to manage the ingredients in your recipes to ensure that your family not only gets the garden fresh flavor of fresh produce, but that they also avoid any undesired ingredients.

Express yourself through unique and creative recipes. For generations canners have used fresh preserving to showcase their own unique style with creative canning recipes. Impress your friends and family by creating unique jams, jellies and other culinary creations.

For tutorials, videos and other information on how to can visit our Intro to Canning section here.

Search our database of fresh preserving recipes and start your culinary adventure now!

Garden

I must say again how much I LOVE summer. Summer is my favorite season of the year. I soooo look forward to summer all winter long. My garden is really coming on right now, I had to plant late because June was so cold and iffy. I must have 100 tomatoes on my 12 plants right now, but none of them are red. I have been enjoying lettuce and spinach for quite some time now, as a matter of fact one of my rows of spinach (what was left) has gone to seed. My zucchini and squash are doing really well too, they are about the size of my thumb....and I have small hands. Here is my worry...Our weather has turned chilly the last couple of days, I am praying for a warm up, so we will see. I have grandiose dreams of having zucchini, tomato stir fry with rice, canning lots of salsa, and making lots of zucchini bread. I love saving money on groceries and would much rather eat out of my garden. Keep your fingers crossed. Have a Fabulous & Frugal day!!!

Eggs

With all the recalls happening with eggs here in the US, it is my Fabulous & Frugal duty to let you all know...... Many cities are adopting ordinances during these hard economic times, that a person can have up to 4 chickens, or laying hens, no roosters within city limits. I think it is worth checking into. Especially since chickens are known for eating bugs, and laying eggs is such a bonus. I believe it is better to eat free range eggs anyway. If your city has adopted this policy, you could buy a few chickens and never have to worry about buying eggs at the store again. Plus... chickens are just so cool to watch. Have a Fabulous & Frugal Day!!!

Weekend

Ahhh, the weekend is finally here. My plans for my glorious days off are going to be hit and miss. I will take in some yard sales with a girlfriend a little later today. I really want to relax in the backyard, enjoying the warmth of the sun and catch up on some reading. I have 2 movies to watch. I desperately need to clean house, and I need to catch up on my sleep. I plan to cook today, I am thinking soup in bread bowls and a large pasta salad, so that I may cook once and eat all weekend. I really want to just stay home this weekend and relax. We will see how that works out for me. Have a Fabulous & Frugal day!!!

Back to Work

Well, my lovely valucation/staycation came to a tragic end, I had to go back to work. I cannot begin to tell you how hard it is to go back to the graveyard schedule. My husband and I had a wonderful time fishing. He actually caught 2 salmon that he got to keep. It was great seeing my parents...they live in Washington. My parents spoiled my children, bought them things and took them out to dinner. I had a bridal shower last week, and a wedding. Then there was my son's going away bar-be-que...he will be leaving for Iraq soon. I had an action packed vacation and actually needed to go back to work so that I may catch up on my rest. I must admit that I totally love summer and it was a great week, and great weather. Have a Fabulous & Frugal day!!!

Valucation or Staycation

Looking for ideas for a Valucation, also welcome ideas for the famous Staycation. I am going fishing next week, I will be packing the food, and the essentials, I am bringing books to read if the fishing is slow, and intend to relax, catch some fish, recouperate from work, and have a great time.
Have a Fabulous & Frugal day!!!

Roast in the Crockpot

Yesterday morning when I got home I threw 2 Angus beef roasts --(that I bought in the reduced meat bin at the store, if you don't use the meat from the reduced bins right away, then throw them in the freezer)-- into the crockpot, seasoned them well, and turned the crockpot on low, and then I went to bed. I slept for 6 hours, and when I got up my house smelled delicious. I sliced up the roasts in sandwich thin slices, then sliced up pickles, tomatoes and cheese. We had home made roast beef sandwiches for dinner tonight and boy were they delicious. It is so nice to cook in the crockpot during the summer, no sense in heating up your kitchen. It is also so nice to cook a gourmet meal while you are sleeping. I love summer!!!
Have a Fabulous & Frugal Day!!!

Frugal Smoothie

Awesome low-fat Frugal Smoothie

1/2 cup almond milk (soy milk or skim milk)
1/3 cup lowfat yogurt (any flavor)(you can substitute 2 teaspoons of peanut butter)
1 banana or any fruit
2 tsp of fiber powder (can't taste it kind)
4 icecubes if you wish (totally optional)

Blend all ingredients in blender on Med/High until smooth.

Low Fat and very tasty...can use as meal replacements
Have a Fabulous & Frugal Day!!!

Plumbing

I have got quite a leak in my main bathroom in the bathtub faucet area. I researched the problem on-line and promptly headed out to Lowes to buy the correct parts. I spent 64.00 for the faucet replacement kit. I cleaned out my linen closet in order to get to the back of the pipes that connect to the bathtub. Low and behold, this is going to be a project, that is going to require a plumber. The pipes in the back are copper and they have all been welded together, so there is no easy way of changing the faucet unit. My husband is working on it and in the mean time we have contacted a plumber as well to check it all out. What I thought would be a relatively easy do-it-yourself project....might just be a nightmare. I will keep you posted!! Have a Fabulous & Frugal day!!!

Carpet Shampooer

I bought the carpet shampooer I have been eyeballing for 2 months. It was hard to spend the 80.00 (got it on sale) It is the small Bissel with rotating brushes. I got it all put together and shampooed the hallway, boy does the carpet look nice. I will not say it looks brand new because the carpet is 20+ years old, but it sure does look a lot better. It will be so nice not to have to borrow a shampooer from my friends, and this way I clean or spot clean the carpet any time I want. On another note, it sure beats paying someone else to come in and clean my carpets. Have a Fabulous & Frugal day!!!

Payday

It is my payday... so I will be off for some bargain hunting for back to school shopping and grocery shopping (my coupons are ready). Oh yea, I have to pay my bills, clean house and do laundry. So... this is going to be a busy weekend for me. I will do something fun on Friday night...I scored free tickets to the STYX concert at the fair (thanks Steve). I will keep you posted on weekend. Have a Fabulous & Frugal day!!!!

Junk Mail

I got a message in my e-mail today from John Cummuta saying that I could pay off my house in 5-7 years and have tremendous wealth. I can get a free CD, so what have I got to lose? I decided to google Mr. Cummuta and read his reviews. Well let me tell you that most of the reviews are negative, there were about 4 positive reviews though. I came to the conclusion that the only one turning debt into wealth here is Mr. Cummmuta. I am just going to keep plugging away on my debt reduction plan, and keep on checking out the books on Amazon.com. Dave Ramsey really seems to be the way to go.
Have a Fabulous & Frugal day!!!

Finding Frugal Info on the Web

Check out recession era cooking.... I have been having a blast with the old time recipes. I have come across frugal cooking tips and recipes, made with what you have on hand. Happy Cooking. Have a Fabulous & Frugal day!!!!

Frugal Dieting

Check out the Jillian Michaels website. All kinds of free tips and weight loss foods and recipes, and drinks as well as excercises to boost metabolism. I see no point in spending money on diet programs when you can essentially get the same info for free via the web.

Books

I am so excited... I got 2 books in the mail today that I ordered from Amazon.com. I bought the Woman's Day Living Fiscally Fit and Yankee Magazines Living Well on a Shoestring. I am super excited to have new reading material for my upcoming camping/fishing trip. I will keep you posted as to weither these are recommended reads or not.

Have a Fabulous & Frugal day!!!

Why I Love Yard Sales

Yes it is summertime. Summer is my favorite season of the year. One of my favorite things to do is hit up the yard sales. Here are my reasons that a good yard sale is hard to pass up.

Yard sales are cost effective. One man's junk is another man's treasure.
You can get great buys on furniture, outdoor furniture, household items, games, books, clothes, camping gear, fishing gear, tools, art, craft supplies. Seriously, you just never know what you will find. I don't even really look at electronics, you just never know if they will work or not. If you are interested in electronics have the seller plug in the equipment and make sure it is in working order before buying.

I try not to dicker too much... hey, these are hard economic times and if someone is trying to make a little extra money... I get it. Yard sales are usually always or at least should be cheaper than going to the 2nd hand store. Just know in your mind if you think things are priced reasonably then don't dicker. If you think that an item is over priced then by all means ask if they will take less.

I have a running list of things that I need, currently I have on my list a carpet cleaner shampooer, cookbooks, office supplies, canning items, books (winter reading), and craft kits (for my grandson). With this running list I have, I will know to grab these items should they be found while out and about.

I like to go first thing on Friday mornings, when the things have not been picked over much. That seems to be the busy time too. Check your local paper and Craigs List for the yard sales in your area. I take the paper with me and cross off the addresses after I am finished, and then move on to the next address. If there are specific things listed on the add that you need, I recommend going to those sales first. Also I have noticed that the more affluent neighborhoods offer a higher quality of merchandise, depending on what you need and what you are looking for.

Remember to dress comfortably, take a water bottle with you and have a Fabulous & Frugal Day!!!!

BBQ Elk Steak Sandwiches

When I got home from work this morning I cooked 3 packages of elk steak in the crockpot. I seasoned it with garlic and mustard powder... I cooked it all day on low in the crockpot (while I slept)(I am on the graveyard shift). This afternoon I drained the juice out of the crockpot and flaked up the elk steak with 2 forks ... think chipped beef. I added a bottle and 1/2 of BBQ sauce and let it sit on "warm" for an hour. I toasted some sesame hamburger buns and put the elk steak mixture in the middle. These BBQ sandwiches are absolutely awesome. Guess what I am taking in my lunch today?

Going to the Lake

This Saturday I am going to the lake. Here is a list of my must have items.

Beach Towels, and an old pillow
these are crucial items for lounging in the shade.

Sunscreen...need I say more? Remember to apply and re-apply

Large Cooler... to keep my drinks and goodies cold

Water... and Chrystal Light on the go packets (various flavors)
drink plenty of fluids to avoid dehydration. I like to stick my water bottles in the freezer the night before so they are nice and ice cold.

Sandwiches... Probably take Ham or home made Tuna. Keep these in the cooler, and away from the sun. Don't want to risk any food poisoning.

Fruit... Cut up Cantelope and Watermelon, keep this in the cooler as well.

Miscellaneous Snacks.. granola bars and string cheese

A good book and a smutty tabloid... Smutty tabloids to read about other people's torrid lives and be thankful my life is better (on many levels) Also it is fun to make fun of the outfits that the stars of Hollywood are sporting these days. A good book for relaxing after swimming.


I intend on having a fabulous day at the lake.

Creamed Eggs on Toast

This is one of my favorite breakfasts: So easy and quick to make, it is absolutely delish!!

3 tablespoons butter or margarine
3 tablespoonse all purpose flour
1/4 tsp salt
1/8 tsp pepper
2 1/4 cups milk
6 hard cooked eggs, sliced

Heat margarine in 2 Qt, saucepan over low heat until melted. Stir in flour,salt and pepper. Cook over low heat stirring constantly, until smooth and bubbly: remove from heat. Stir in milk. Heat to boiling stirring constantly for 1 minute. Gently stir in eggs, and heat through. Spoon over toast or english muffins. Serve with fresh fruit.

Have a Fabulous & Frugal day!!!

Simplify

sim·pli·fy   /ˈsɪmpləˌfaɪ/ Show Spelled[sim-pluh-fahy] Show IPA
–verb (used with object), -fied, -fy·ing.
to make less complex or complicated; make plainer or easier: to simplify a problem.

Simplify by definition, to make less complicated or easier. Simplify seems to be all the rage in the frugal world lately. I am trying to figure out how to simplify my life as a whole. After paying off my car a month and a 1/2 ago. My car spent basically a month in the mechanic shop. After replacing the transmission and 2 minor repairs.... I wiped out my savings account and put 1900.00 on my paid off Credit Card. I feel like I took one step forward and 10 steps back. It is going to be a haul before I can get that credit card paid off again. I thought six months ago that I would be simplifying my life by not having a car payment....but feels like I am back at square one. For me now, I will keep working on paying down my debt, I just don't feel as triumphant about the debt reduction as I did 2 months ago.

Low Cal Asparagus Fettucine Alfredo

Asparagus Fettuccine Alfredo is one of my favorite meals of all times. I love fettuccine alfredo, so to add asparagus to it is just so yummy. Go ahead, try it out!

Serves: 1

Preparation Time: 2 min

Cooking Time: 1 min

Ingredients
1 Package Tofu Shirataki Fettuccine Shaped Tofu Noodles (or whole wheat fettuccine noodles)
1/2 wedge of Laughing Cow Light Cheese
1 teaspoon Kraft Reduced Fat Parmesan Cheese
1 teaspoon Fat Free Sour Cream
2 cut asparagus
salt and pepper to taste



Instructions
Rinse the tofu fettuccine noodles very well.

Microwave for one minute (If using regular pasta, bring water to a boil and add a serving of noodles.

Drain water when finished cooking.

Follow instructions on box).

Drain noodles and pat dry.

Microwave asparagus.

Add the cheeses and sour cream and mix.

Microwave to melt cheese.

Cut up asparagus and mix throughout noodles.

Add salt and pepper if necessary.

Been Gone

Sorry to all.. I have been gone for awhile, took a vacation to California to visit my sister (the beach was fantastic) and then a small get-away with one of my best girlfriends at a resort. I have started my shift rotation at work, currently working graveyard...so my life has been topsy turvy for awhile. I am trying to get adjusted to my new shift and will try to post more regularly. Have a Fabulous & Frugal day. ;-)

Frugal Vacation

Wondering if there is such a thing.... looking for tips and tricks for the Fabulous & Frugal Vacation.

Chicken Hindquarters

Buy 10 pound bags of chicken hindquarters on sale, heck buy 2. Separate hindquarter into gallon ziplock freezer bags, and add your favorite marinade sauce. Italian dressing, tequila lime, teriaki, honey mustard~ what ever you like. Seal em up and stick them in the freezer, good idea to label and date the bags. You can pull out a bag of chicken anytime and cook in the crockpot or bake it in the oven, this will be the best marinated chicken ever. Enjoy!!!
Have a Fabulous & Frugal day!!!

Pack your Lunch

Even if you are only spending $5.00 dollars a day to eat out for lunch, the average person will work 5 days a week, so... in a month's time you would work at least 20 days and up to 24 days. At 20 days of packing your lunch you have saved $100.00.

I don't buy soda pop or candy out of the vending machines. I drink the "free" coffee at work, I take a re-fillable water bottle, I either drink water or Crystal light (individual packets) or I make big jugs of iced tea. This is such a painless way to save money ~ add this $100.00 to your savings account.

What to Pack:: Invest in some type of Rubbermade containers of various sizes, think the Dollar store.

The ol' soup and sandwich:: lunchmeat, tuna, cheese, PB &J, Wraps, Bagels, be creative.

Home made Burritos:: Last night I made spanish rice, taco meat, refried beans, grated cheese , sour cream and salsa... When dinner was finished I made 5 burrito's with the left-overs. Individually wrapping them in plastic wrap. I will be using these already made burrito's for the next few days. You can also stick these in the freezer....much cheaper than Taco Bell.

Left Overs from the Night Before:: Chicken, Rice, Potatoes, ...... I actually make Rice-a-roni a lot and pack that to work. I love it.

Salads:: Greens, veggies, pack your cheese and salad dressing separate to avoid sogginess. Fruit salad, Pasta salad, potato salad.

Cottage Cheese / Fruit / Crackers/ :: canned or fresh fruit any type of crackers.

Cheese and Crackers.


This will get you started on the path of packing your own lunches. Enjoy!! Have a Fabulous and Frugal day!!!

Tomato Bisque

Thank you Hillbilly housewife

Tomato Bisque

2 tbsp margarine (or butter)
1 onion
1 tbsp sugar
1 tbsp flour
1 can chicken broth (or a cup of water and a pinch of bullion cube)
2 large cans (28 oz) of crushed tomatoes
1 cup half and half
salt and pepper to taste
Get out a large pot and add melt the margarine in it over medium high heat. Add the onions and sugar and saute for a few minutes until the onions start to turn translucent. Be sure to stir and scrape your pot really well during this part or the sugar will start to burn to the bottom of the pot (which would ruin your soup).

Add the flour and move the onion mixture around really well for a good minute. Again lots of stirring is important to keep things from burning. This process will cook the flour to make sure your soup later on doesn’t have that floury taste to it.

Slowly add the chicken broth (or water) and keep stirring to make a smooth gravy. Add the tomatoes to the pot and bring the mixture to a boil. Turn down the heat and simmer everything for a good 15 minutes. You will notice that the soup will start to thicken a bit at this point.

Next we need to puree everything. You can do that in one of two ways. You can either use an immersion blender and blend the soup right there in the pot, or you can use your blender. If you are using a blender, be sure to puree the soup in small batches. When you’re done, return the smooth soup to the pot and reheat as needed. Stir in the half and half and season with salt and pepper to taste.

Hi there

I have been AWOL for awhile... my deepest apologies. I experienced some car trouble right after I paid the car off. I was sick for a few days, and now I am back to work. What a life. I do know from experience that life will throw you a boner every now and then. My hope is to always come out on top. Have a fabulous & frugal day ......

Savings Plan

Okay... so the savings plan for payday is to put what used to be my carpayment in my savings account. I am also going to look into buying a couple of savings bonds each month.
Currently I am reading Make Money Not Excuses by Jean Chatzky.... So far it is a very good read, easy to understand. Jean is a brilliant woman. I haven't had a lot of time lately I have been busy with work, I will try to post more regularly. Have a Fabulous & Frugal day.

Feeling good about Finances

Last week, I paid off my car... I am now the proud owner of a 1998 Lexus ES300. It is in pretty good shape, I do regular maintenance and oil changes as well as tire rotations. So my hope is to drive Lucy till her wheels fall off. My plan now that I do not have a car payment is to build my savings account. I am feeling so accomplished right now.

Smart Women Finish Rich

Book Review // by David Bach.

This book is geared toward women of all ages, and backgrounds, the basic info is to take control of your financial future and finish rich. It is a 9 step program (which is better than the 12-step program) giving you charts and tools for spending wisely, establishing financial security, and putting your values inline with your money. Very easy and inspiring read, read this book and you will never need a money coach. I highly recommend....lots of great tips and ideas. The best thing for me about this book was getting it at St. Vincent DePaul for one dollar...and learning so much.
Have a Fabulous & Frugal day

Hamburger Soup

I cleaned out the fridge!!! I am using an onion, broccoli, cauliflower, and carrots left over from my lunch this week to add to the soup~

2lb any burger hamburger, elk burger, turkey burger (doesn't matter) brown this in a stock pot with onion and your favorite seasonings
2 tsp garlic powder
4 broccoli florets -chopped
4 cauliflower florets - chopped
10 baby carrots- chopped
4 baby red potatoes -chopped
simmer these ingredients with the burger for a few minutes
empty these ingredients into the stock pot juice and all
1 can diced tomatoes
1 can green beans
1 can corn
1 can of peas

simmer on low for one hour~ enjoy
this is a great way to get your 5 servings of veggies
I freeze left-overs and take them to work
serve with toasted english muffins

Book Review // Bitches on a Budget

I finished the book~ yay!!! It is so good and I would recommend that all females that are trying to save for their future or retire early or pay off credit cards ~ what ever it may be... This book has fabulous tips and ideas on living your life without feeling deprived and doing it on a budget. Many tips and ideas for decorating your home, traveling, entertainment, and pampering yourself, all while maintaining your financial goals. I am going to have to give this book 5 stars.

Sunday Paper Coupons

I got the Sunday paper today and was disappointed that there was only one circular for coupons but it is suppose to be worth more than 130 dollars. Now I will be visiting http://couponmom.com to figure out my grocery and shopping lists for Walmart and Walgreens for my payday. I personally think that using coupons is very smart for saving money as well as being able to have additional funds for my savings account or paying off debt. If you are unsure about coupons you should totally check out couponmom.com she has e-books that teach you everything you need to know and how to get started and the best part of the entire process is that it is free. Once you get all the basics down it really is not that time consuming either. Have a Fabulous & Frugal day........

Save Money On Dry Cleaning

Here is how I save money on dry cleaning: Dryel~ visit their website and get 10 dollars worth of coupons. This is worth it... trust me. Have a Fabulous & Frugal day.

Zip it.
Add 1-4 garments to the Dryel Fabric Protection Bag. Bag should not be more than half-full to allow garments to tumble freely. Unfold Dryel cleaning cloth and add to bag. Zip the bag and then place in the dryer.

Steam it.
Tumble in dryer on medium heat for 30 minutes to activate the steam-cleaning environment, removing odors and protecting against shrinking, stretching & fading.

Wear it.
Clothes should be slightly damp when removing them from the bag. Promptly hang or wear clean and fresh garments to help wrinkles fall out. Throw away cleaning cloths after use, but save the Dryel Bag for next time. It is designed to last up to 25 loads.

Parmesan Halibut

Yummy Parmesan Halibut, this is a restaurant quality meal~ Have a Fabulous & Frugal day.

Parmesan Halibut

Servings: 4
Preparation Time: 10 min.
Cooking Time: 15min.
2 tsp. virgin olive oil
1 clove garlic, minced
1/2 cup canned crushed tomatoes
1/8 tsp. oregano, or 1 tsp. fresh,
chopped salt and pepper
1/4 cup grated Parmesan cheese
1 lb. halibut steaks, about 1 inch thick
1 Tbs. parsley, chopped
Ingredients
Cooking Directions
Turn on broiler. Heat oil in a small heavy saucepan
over medium heat. Sauté garlic 3-4 minutes. Stir in
tomatoes, oregano and salt and pepper to taste.
Bring to a boil. Remove from heat and stir in
Parmesan cheese. Arrange halibut steaks on a
lightly oiled broiler pan. Brush top of steaks with
tomato mixture. Place halibut about 4 inches from
heat source, and broil 5-6 minutes. Turn halibut,
brush again with tomato sauce, and broil another
4-5 minutes, or until sh is opaque throughout.
Sprinkle with parsley and serve.
Per Serving: calories 173, fat 6.4g, calories

Spring Cleaning with Baking Soda

Spring Cleaning? Save Money by Using Baking Soda

Submitted by: Kira @ Tip Hero 04/08/2010 1:40 PM

The time for spring cleaning is here, but before you go out and buy a bunch of cleaning products, take a look at the many projects you can accomplish with the help of baking soda.

Food Safe Surface Cleaning

Manage Microwave Mess

Deodorize Fridges and Freezers

Hand Washing Dishes and Pots and Pans

Clean Stainless Steel Sink without Scratching

Remove Scuff Marks on Floor

Clean Bathroom Floors

Shower Curtains

Deodorize Drains and Garbage Disposals

Head over to Curbly.com for details about the benefits of baking soda from Arm and Hammer.

Spring Cleaning With Baking Soda

Book Review // Bitches on a Budget

I am reading Bitches on a Budget by Rosalyn Hoffman. Chapter one is all about shopping for clothes and maintaing the clothes that you have. Chapter one is not for the faint of heart. If you are used to shopping at Neiman Marcus, the suggestion is to shop at Target... My thoughts are why shop at Target when you can get it at Goodwill. I am apparenly of a lower class than the book is aimed at.
Chapter two is all about grooming and maintaining your appearance. Chapter 2 is very usefull information for budget grooming tips. Chapter 3 is about staying healthy and excercising on a budget. The basic idea is to not pay gym membership fees, quit watching TV and get moving. Chapter 4 is home maintenance and decorating tips. My favorite tip was for de-cluttering your house (which I need to do) and for buying artwork from local artists. I am about 1/2 way through the book and I would recommend reading this book. It is funny and quirky and the information is very frugal and very good.
I am just starting on Chapter 5.... so I will finish this review when the book is finished.

Amish Breakfast Casserole

Amish Breakfast Casserole: Excellent for breakfast and also for left overs to pack in your lunch
Have a fabulous & frugal day


Prep Time:
15 MinCook Time:
35 MinReady In:
50 Min
Servings (Help)
US Metric Calculate
Original Recipe Yield 12 servings
Ingredients
1 pound sliced bacon, diced 1 medium sweet onion, chopped 6 eggs, lightly beaten 4 cups frozen shredded hash brown potatoes, thawed 2 cups shredded Cheddar cheese 1 1/2 cups small curd cottage cheese 1 1/4 cups shredded Swiss cheese
Directions
In a large skillet, cook bacon and onion until bacon is crisp; drain. In a bowl, combine the remaining ingredients; stir in bacon mixture. Transfer to a greased 13-in. x 9-in. x 2-in. baking dish.
Bake, uncovered, at 350 degrees F for 35-40 minutes or until set and bubbly. Let stand for 10 minutes before cutting.

Banana Bread

Today I will be making banana bread for an upcoming event....it will last in the freezer for about 3 months however, when I make banana bread it never lasts around here.

Banana Bread with Pecan Crunch Topping

Makes two loaves.

1 cup (2 sticks) butter (room temperature)
1 1/2 cups granulated sugar
2 eggs
4 very ripe bananas, well mashed
1 teaspoon vanilla extract
3/4 cups milk (can use buttermilk)
2 cups all-purpose flour
1 1/2 teaspoons baking soda
1 teaspoon salt
2 cups pecans, whole or chopped (optional)

Pecan Crunch Topping:
7 1/2 tablespoons butter
12 tablespoons brown sugar
6 tablespoons milk
1/2 cup pecan pieces, chopped small (optional)

Heat oven to 350 degrees F. Grease two 9 x 5 x 3-inch loaf pans.

Cream the butter and sugar together.

Beat eggs in a separate bowl, then add to sugar mixture. Add mashed bananas, vanilla extract and buttermilk. Mix well.

Sift together flour, baking soda and salt. Add to banana mixture. Mix all ingredients thoroughly. Fold in pecans if using. Pour into prepared loaf pans. Bake for 45 to 50 minutes or until a wooden pick inserted in the center comes out clean. Allow to cool an hour or two before adding topping.

To prepare topping, melt butter in saucepan. Add sugar and milk, stirring constantly. Cook until syrupy. Remove syrup from heat and add chopped pecans. Pour syrup over bread and place the pans under the broiler for 3 to 4 minutes until very bubbly, being careful not to burn the topping. Let cool completely before slicing.

NOTE: Walnuts may be substituted for pecans.

Coffee Grounds

It is almost garden time where I live and I truly look forward to planting my little garden every year~ I actually find gardening to be very theraputic. I get large bags of coffee grounds for free at my local Starbucks. Coffee grounds add nitrogen to your soil and the plants and flowers love it. Also it helps (I think) cutting down on waste for the landfill. You can just ask for the grounds at Starbucks and they are happy to give them to you for free. It is a win win situation. Have a fabulous & frugal day.

Today

I will be cleaning house and doing laundry. I have a sick one at home so will probably need to make some soup....please post ideas or topics that you would like to see on my blog. I appreciate all feedback especially being so new. Have a fabulous & frugal day!

Fabulous & Frugal Pantry

Fabulous & Frugal Pantry:

Cooking at home is less expensive than eating out or convenience food. By eating at home you will spend less and eat better. I work 40 to 50 hours per week outside of my home and spend roughly $350.00 per month on groceries. I feed 2 teenagers, 2 adults, 3 dogs and 1 cat. I live in a small town so I don’t have the choices for shopping that those in a metropolitan area would have. To make matters even more challenging, I only get paid once a month so for me to keep my pantry well stocked is an important part of keeping my sanity. I would tell you that I am organized but the truth of the matter is that I am not very organized, but I do try to plan ahead.

I don’t really have a meal plan or make menu’s but I do utilize what I have on hand in order to get dinner on the table every night. I stock up on items that are on sale. I make my own salsa, jelly, jam, asparagus and pears…I can them myself. I also have a small garden every summer. In the garden I grow my herbs. I love to cook and my family eats well. I take left-overs to work for my lunch because my food is better than jail food.

I make my own breakfast burritos, egg muffin sandwiches and freeze left overs for later use…especially the days where I am feeling lazy. I use my crock pot every week, and I also make home made soup when I clean out my refrigerator. I am going to show you how to eat and eat well for less.

I shop at the Dollar Store for spices, crackers, tea, spaghetti sauce, muffin mixes and cleaning supplies.

I shop at the Grocery Outlet for miscellaneous canned food and toiletries. I usually pick up canned fruit and vegetables, tomatoes, beans, rice, pasta, canned soups and lots of wine.

I shop the day old bread store for whole grain breads, bagels, English muffins, buns, and snack items for lunches.

I shop my local grocery store for the weekly advertised specials or loss leaders.

I buy the Sunday paper each week just for the coupons. Check out the website Couponmom.com. I match up coupons with the weekly advertized specials at Walgreens and Rite Aid and usually I can get out of the store with only spending between 20 and 50 dollars and will have anywhere from 80 to 160 dollars worth of products.

Lets go ahead and take a look at my pantry, freezer and refrigerator.

Canned Food (store bought)

Evaporated milk peaches pears pineapple
Mandarin oranges applesauce tuna chicken
Corn green beans peas mushrooms
Tomatoes- Rotel, diced, flavored garlic and Mexican style
Tomato sauce tomato paste Italian tomato paste
Kidney beans pinto beans black beans
Chili beans butter beans refried beans
Spaghetti sauce green chiles olives
Cream of mushroom soup cream of chicken soup
Tomato soup low calorie Progresso soup

Condiments

Honey mustard mayonnaise mustard ketchup
Bbq sauce salsa salad dressings
Pickles jelly

Dry Pantry Items

Dy beans Bisquick peanut butter almonds
Cashews instant potatoes Jasmine Rice
Long grain white rice brown rice rice-a-roni
Popcorn cereal (hot and cold) olive oil
Cooking spray sugar brown sugar powdered sugar
Powdered milk yeast bread crackers
Jiffy corn muffin mix cake mixes brownie mixes
Muffin mixes

Pasta

Spaghetti egg noodles whole wheat noodles macaroni
Bow tie ramen noodles

Freezer

Bread English muffins berries mixed vegetables
Broccoli green beans stir fry ice cream
Pizza lasagna egg beaters coffee beans
Chicken bacon Canadian bacon
Ground beef ground turkey elk burger
Elk steak venison salmon
Talipia

Refrigerator

Eggs milk cheese yogurt
Butter sour cream cottage cheese lunch meat
Tortillas fresh veggies salad fixens fresh fruit
Parmesan cheese lemon juice vinegar
Rice vinegar Worcestershire sauce soy sauce
Tobasco sauce

Spices

Salt pepper lemon pepper garlic
Cumin mustard powder ginger
Onion powder Johnny’s seasoning salt chicken bouillon
Chili powder


You can get recipes on the internet to make your own Bisquick baking mix, Rice-a-roni, taco seasoning, shake and bake, spaghetti seasoning as well as a variety of ingredients that you’ll use on a weekly basis. I personally don’t have time for this but I do understand that desperate times call for desperate measures. Now, you can get out those cookbooks and make dinner for your family tonight,

Crock Pot Apple Pie

Crock Pot Apple Pie ~ What could be better than making apple pie in your crock pot while you are at work?



8 tart apples, peeled and sliced

1-1/4 teaspoons cinnamon

1/4 teaspoon allspice

1/4 teaspoon nutmeg

3/4 cup milk

2 tablespoons butter, softened

3/4 cup sugar

2 eggs

1 teaspoon vanilla extract

1/2 cup biscuit baking mix

1 cup biscuit baking mix

1/3 cup packed brown sugar

3 tablespoons cold butter



Toss apples in a large bowl with cinnamon, allspice and nutmeg. Place in lightly greased crockpot. Combine milk, softened butter, sugar, eggs, vanilla extract and the 1/2 cup biscuit baking mix. Spoon over apples. Combine the 1 cup biscuit baking mix and brown sugar. Cut the cold butter into mixture until crumbly. Sprinkle this mixture over top of apple mixture.

Cover and cook on LOW for 8 hours.

Bitches on a Budget

I am so excited. I just got my book Bitches on a Budget by Rosalyn Hoffman and cannot wait to sink my teeth in it. I find Rosalyn's sense of humor to be enlightning in these tough economic times. I am working so hard to pay off debt and am thinking this book will be chok full of useful tips and tricks. I will keep you posted.

Rat Race

My sister posted this quote as her Facebook status a while ago ... thought I would share..... "The problem with the rat race is that even if you win, you're still a rat." - Lily Tomlin

Crockpot Lemon Chicken

Lemon and chicken are wonderful partners. Try this excellent crockpot recipe and serve it over hot rice or noodles to soak up all the sauce.
Prep Time: 25 minutes
Cook Time: 7 hours, 30 minutes
Total Time: 7 hours, 55 minutes
Ingredients:
1/3 cup flour
1 tsp. salt
1/8 tsp. pepper
6 boneless, skinless chicken thighs, cut into 1" pieces
2 Tbsp. olive oil
1 onion, chopped
1 bag baby carrots
1 Tbsp. balsamic vinegar
1/3 cup ketchup
1/2 cup water
3 Tbsp. brown sugar
3 Tbsp. lemon juice
6 oz. can frozen lemonade concentrate, thawed
2 Tbsp. cornstarch
3 Tbsp. water
Preparation:
Mix flour with salt and pepper in shallow dish. Coat chicken pieces in this mixture. Shake off excess and brown in olive oil in a nonstick skillet over medium high heat. Remove chicken and place on top of onion and carrots in a 3-4 quart crockpot.
Mix the vinegar, ketchup, water, brown sugar, lemon juice, and lemonade concentrate in small bowl and pour into the skillet. Cook and stir, scraping to remove browned bits, until mixture comes to a boil. Pour sauce over chicken in crockpot. Cover and cook on LOW for 7-8 hours or on HIGH for 3-4 hours. When ready to serve, combine cornstarch and water in small bowl, mix well and stir into the sauce. Cook on HIGH for 20-30 minutes until thickened. Serve with hot rice. 4 servings

Save Money on Groceries

You have heard it a hundred times "Make a list and stick to it." Plan your menus around your weekly sale flyers (loss leaders) from your local newspaper at your local grocery stores. Stick to your list and only go to the store once a week. You are not allowed to put items in the shopping cart that are not on your shopping list. Before you shop take inventory of your cupboards and pantry, this will help you avoid buying what you do not need.
Use those coupons, in store specials and BOGO's, take advantage of your store's reward programs and discounts. It is worth it for me to buy the Sunday paper just for the coupons. Visit www.couponmom.com and match up weekly advertised specials with your existing coupons~ this is the way to really get the bang for your buck. Remember to avoid buying things that you wouldn't normally buy just because you have a coupon. Even if you can save 25 to 50 dollars a week on groceries, that will sure add up at the end of the month. Happy Saving!!

Crock Pot Lasagna

This is an excellent recipe, much cheaper than buying frozen lasagna at the store and it is easy and home made ~ my husband is a hunter and I use Elk or Venison burger~ Enjoy

Crock Pot Lasagna Recipe
Ingredients
1 lb (500g) ground beef
1 large onion, finely diced
2 garlic cloves, minced (or 2 tspn pre-purchased garlic)
1 lb jar tomato spaghetti sauce - choose your favorite flavor (we used spring vegetable)
8 oz (250g) fresh lasagna Noodles (no boil - found in cold section)
1lb (500g) mozzarella cheese - grated/shredded
1lb (500g) ricotta cheese
2 oz (60g) parmesan cheese - grated/shredded
¼ cup milk
1 egg - lightly beaten
1 tsp oregano
salt and pepper
Optional other favorite herbs - depends how much is in the sauce you use.
mushrooms - sliced and added at end of frying meat
Method
1. Fry the beef, onion and garlic in a frying pan, using a tiny amount of oil.
2. Fry until slightly browned. And pour off any excess oil. Add tomato sauce and heat through.
3. Meanwhile, gently combine the ricotta, milk and egg.
4. Then mix in the mozzarella and parmesan. Retaining about 1 tbls of parmesan for later.
5. Now we are ready to construct it in the crock pot. We found there was no need to grease the pot, but if you must - do it now.
6. Using a large serving spoon or ladle, place about ¼ of the meat mixture in the crock pot - spread evenly.
7. Top this with a layer of lasagna sheets, cut to size. (See the notes below)
8. Top this with 1/3 of the cheese sauce.
9. Repeat steps 6, 7 and 8 once more. You should now have cheese sauce on top.
10. Now repeat step 6, then 7 and 6 again.
11. Top with remaining cheese sauce.
12. Sprinkle the retained parmesan on top.
13. Cook on low for 4-6 hours.
Notes
Serves 4-6

While not critical the layers should be -
meat, pasta, cheese, meat, pasta, cheese, meat, pasta, meat, cheese

To assist with cutting the lasagna sheets -
use a plate the same size as the crock pot & cut around using a knife.