Frugal Friday ~ July 13, 2018

This was a quiet week here, so not much to report. We stayed home almost everyday except for Tuesday when we had to go to the post office.
Here are our frugal activities for this week:
- I earned a $5 gift card to Amazon from Microsoft Rewards.  - I rcvd a coupon from Fresh Express for a free salad.  - The only expense I had this week was my auto insurance($239) and I paid for that with two sales I made on Ebay. That was the only money I spent this week.  - My gas tank remains full as we only drove to the post office.  - We ate all of our meals at home.  - Continued our cloth only home goals.  - We continue to use the dehumidifier we bought at a yard sale this summer. We've been emptying it twice a day, once in the morning and once at night. It has helped to keep the house from being so hot & humid.  - We did not spend any money on fireworks for the 4th of July.  - We didn't' do any grocery shopping again this week either, so our supplies have dwindled and we'll need to do a grocery shop next week.  - We ate all of our leftovers this week, so no food waste here.  - I continue to declutter and sell things on Ebay this week.  - I've been storing our applesauce in the refrigerator. It's very refreshing and a healthy alternative while trying to keep cool in this heat.  - The reselling business my daughter has is doing well. I help her crosspost her listings to other sites like Poshmark, Mercari, and Vinted. 

One of our kittens has been climbing outside things and getting stuck. Last week he was in the pole barn and couldn't get down. We tried to coax him down to no avail and finally just had to nudge him with a pool noodle. 
Yesterday he was in the tree next to the porch and couldn't get down and was crying. All the other cats were sitting at the bottom of the tree, unable to help. I guess they were there for support. LOL 

That's all the news from here this week. 
How was your week?
Belinda ~ Living within our Means ~

Universal Quiche from The Tightwad Gazette

Quiche can be an often economical dish depending on what you add. What's great about a quiche is you can practically use anything in your refrigerator to make one. 
Amy Dacyczyn wrote about a Universal Quiche in her Tightwad Gazette book, and with it she gave multiple variations on how to create them.
For the crust Amy suggested using a standard pastry crust, but she also suggested this recipe for a pie crust using rice. 
Rice Crust 1 & 1/2 ounces of hard cheese  (cheddar, swiss, monterey jack) 1 egg or 2 egg whites 2 cups rice
To assemble: Mix all together, pat into a 9 inch pie plate, and bake at 425 for 15 minutes. 
The Quiche Recipe
Eggs
Use 3  or 4 eggs 
Cheese
Most recipes call for 1 to 2 cups of a grated hard cheese or anywhere from 2 tablespoons up to a half cup of parmesan cheese. Amy used about 1 cup. 
Milk
You will need 1 to 2 cups of milk, half and half, cream, evaporated milk, or powdered milk. I use sour cream in my Easy Sausage Quiche. 
Fillings
Use 1 to 2 cups of a combination of vegetables and cooked meats. Suggestions include bacon, seafood, chicken, ham, or sausage. Don't be afraid to take risks though. Use what you have on hand. 
Seasonings
For a basic quiche use up to 1 teaspoon of salt, 1/2 teaspoon pepper, and a dash of nutmeg. Other seasonings can include chives, hot sauce, tarragon, dry mustard, Worcestershire sauce ,parsley, sherry, parsley, paprika, dill, garlic, onion powder, lemon juice, basil, or oregano. 
Directions:
Preheat oven to 425 degrees.  Prepare the crust and place in a nine inch pie plate.  Beat eggs, milk, and seasonings together. Spread filling ingredients on the crust.   Top with grated cheese.  Cover with egg and milk mixture.  Bake for 10 minutes at 425 then turn down the oven to 350 and bake for 45 minute or until golden brown. 
If you're interested in lowering the fat content of your quiches, be sure to read the article Amy wrote in The Tightwad Gazette as she lists multiple ways to reduce the fat content of quiches. 
Belinda ~ Living within our Means ~

Yard Sale Saturday

Here are some of the items we've picked up lately...

Oreck cordless vacuum $5

LA's Awesome Dishwashing Detergent 50¢

Broom & Dust Pan - $2.00

I have one of these for my kitchen. 
I love a dust pan with a handle, so now 
I have one for our back porch too. 

Essential Oils

$10 for 14 bottles

My daughter bought out a yard sale at the end of the day, and this is what it looked like when she brought it into the house. 

After sorting through the clothes and making piles for herself, Mom, and charity. This is what her pile looked like:

This is what my pile looked like:

I have 27 t-shirts in my pile. Rather than donate them to charity I'm keeping them. I've already cut up several to use as rags and to clean up any messes made by the cats.

Any good yard sales in your area lately?

Belinda ~ Living within our Means ~

My Frugal Kitchen ~ What We Ate This Week

Monday

Pigs in a Blanket Pasta Salad Mixed Vegetables Steamed Broccoli Radishes Orange

This time of year finds me pulling from our pantry and using things we have on hand more than any other time of year due to our lower income this time of year. 
On Monday I used pie crusts I had on hand to make pigs in a blanket. And I always seem to have stuff on hand to make pasta salad, so that was on the menu as well.  

Tuesday

Cube Steaks & Gravy Broccoli, Cauliflower & Carrots Mixed Vegetables (from Monday) Radishes Garden Salad

Tuesday after dinner I made some more pickled beets to have with dinners the rest of the week. 

Wednesday & Thursday

BBQ Chicken Sandwiches  Carrots & Potatoes Corn Pickled Beets
There were three chicken breasts in the package  I thawed, so that made plenty of BBQ for at least two days and some to freeze for later. 

Friday & Saturday

Tacos Beef, Potatoes, Tortillas Lettuce, Tomatoes,  Onions & Cheese
I add diced cooked potatoes to my taco meat to  s-t-r-e-t-c-h it out as much as possible.

What was on the menu in your home this week?

Belinda ~ Living within our Means ~

Frugal Friday ~ July 6, 2018

My daughter and I downloaded the Dairy Queen app on our phones and earned a free blizzard reward. We used it during the hottest part of the day on Yard Sale Saturday. 

The receipt they gave us even had a free Dilly bar for filling out the survey.

We picked up two free bottles of water while picking up an RX for my daughter.

I picked up packages of oranges, apples, and bananas for 99¢ on the reduced produce rack at Food City last week while I was in there picking up an RX for me. I always check the reduced racks when I go there. 

I received a free sample of Garnier Whole Blends shampoo and conditioner in a free magazine this week. 

. 

On Monday of this week I received my first call to sub in August! I'll be glad to start earning money from school once again, although this year will be different for me. 

This summer I was diagnosed with severe osteoarthritis, so I will be declining some jobs that require me to walk more than I feel capable of doing. 

This week we stayed home Sunday through Wednesday and spent no money. Thursday we went thrift shopping for their 99¢ sale. 

Other frugal activities this week include:

- Sold three items on Ebay for a total of $33.00/$25.54 after fees. 
- Took Navy showers all week. 
- We scheduled pickups with the post office this week rather than drive to the post office, which saved us gas money.  
- Made sure to check out the contents of my refrigerator each morning to ensure nothing goes to waste. We either eat the items for breakfast or lunch or I include them in our dinner plans. 
- Washed a one gallon Ziplock bag to reuse.
- I did not buy any groceries this week and used what we had on hand instead. 
- Cooked all meals at home this week. 
- Used my crockpot to cook some to keep the heat out of the house and the a/c from working so hard during the heatwave. 
- I perused the grocery store ads online this week and noted Food City is having a $5 sale on Friday. They have 32 ounce bags of cheese for $5, and 10 Powerades for $5 or 50¢ each. 
- We signed up for the new Verizon reward program about a month or so ago. Today we earned a free $5 Starbucks reward card. I let my daughter have it as she likes Starbucks. 

That's all the news for Frugal Friday around here. How was your week?


Belinda ~ Living within our Means ~ ounce bag

My ABC List of Frugality

 Apps - Use Apps on your cell phone to help you save money. I use a yard sale app on my phone that tells me where the yard sales are located and then lets me use Google maps to take the most efficient route possible, which saves me gas and time. I can even add a yard sale I find, which is not on the map,  to help other people using the app to find that sale. 
Brown Bag It- Bring your lunch and drinks with you when you are leaving the house and save yourself the cost of eating out. 
Cloth Items - I've really taken this step up a notch since April. We've used cloth napkins on and off for a few years, but now we are using them exclusively. My daughter has worn cloth pads for a few years, but I'm using them exclusively now too. I've not bought any paper towels since April. One of the best results of this is that we have so much less garbage than we did before we reverted to cloth only, and I love that. 
Debt - Avoid debt as much as possible, especially credit card debt, unless you are able to pay your credit cards in full each month. The interest you pay on credit card debt will end up using more and more of your take home pay. 
Emergency Fund - A savings account for the financial surprises that life will throw your way. 
Free - is one of the best ways to save money. Freebies from online sources, free classes at Home Depot for kids, free renting of books & movies at the library, free computer use at the library. The list of free items available today is pretty nifty. 
Grocery Store Ads - Peruse these online and it will help you reduce your grocery expenses. Also, reading these online saves me 50¢ each week or $26.00 each year. 
Herbs - Grow some of your own herbs to save money in the kitchen. 
Imperfect - You don't need to do things perfectly to live a frugal life. All you need to do is to begin your journey. 
Jars - Jars are a great frugal tool to have on hand. We save the best ones that come into our home and reuse them for many different things.  Storing coins, buttons, beans, seeds, spices, etc.
Kitchen - If I had to suggest one room in my home where I saved the most money it would be my kitchen. Meals cooked from scratch, food bought on sale or marked down and bought in bulk are just a few of the ways we save money in our kitchen. 
LED Light Bulbs - Thankfully these have come down in price in recent years. LED bulbs use less energy and last longer than other light bulbs. According to USA Today, they can save you up to $1,000 over a ten year period. 
Menu Planning can save you money by allowing you to stay within your grocery budget. 
No Spend Days - We have no spend days in our home on a regular basis. Making do with what we have on hand rather than buying something new helps us to save money. Stretch what you have on hand and that will help you to not spend money. 
Oil Changes - Change the oil in your car on a regular basis to keep it running as long as possible. Do these yourself and save a lot of money. Some of the oil changing places here are charging upwards of $50 for an oil change now. If you don't know how to change oil, find someone who does and barter with them. My BIL changes our oil and only charges us $20 for supplies. 
Patience is a virtue when it comes to being frugal. Before making any purchase seriously consider whether or not you actually need it. Then, if you're patient that item might just turn up at a yard sale at a fraction of the retail cost.  
Question what you do and what you spend your money on and see what adjustments you can make to spend less and save more money. Always reevaluate your financial life to see if any adjustments are needed. 
Repurpose - Take something you already own, rather than buy something new, and reuse it to make something else that will save you money. We regularly take clothes and turn them into something else useful. 
Sinking Fund - A sinking fund is an account where you put money into a savings account in order to pay for future expenses.  I currently have a savings account specifically for my car insurance, so that I will have the money available when my auto insurance comes up for renewal. 
Thermos - Definitely a tightwad tool to have and use regularly. I carry ice water in mine whenever we head out the door. You can use them for cold beverages or hot food, whichever one you choose will help you to save money. 
Unplug appliances when you are done using them, which will save on electricity, which will save you money. 
Vegetarianism - Eating more vegetarian or even vegan meals each month will help you save money on your grocery bill. 
Water - Drinking water exclusively will help you save money and we are not talking about bottled water here either. Find yourself a reusable water container and take it with you on the go and you'll definitely see the savings over buying any other drinks. 
Xmas - Shop all year long in order to have a frugal Christmas. Shop clearance bins, yard sales, flea markets, and thrift stores and save these items in your gift closet. Save money all year long in order to have the Christmas you want. 
Yard Sales - Shopping at yard sales will save you so much money over the years. Holding your own yard sale will also help you earn extra money. When we lived in a less rural area I held yard sales every year and always made extra money for our household. 
Zealot - Amy Dacyczyn, also known as, The Frugal Zealot is the Queen of Frugal Living. If you've not read her book, The Tightwad Gazette, I would highly recommend it. Of course, you'll want to borrow it for free from your local library. 
Belinda ~ Living within our Means ~

My Frugal Kitchen ~ What We Ate This Week

Sunday

On Sunday I made boiled two dozen eggs in the InstaPot for five minutes and then I made egg salad. 

I also set aside a few boiled eggs for homemade Potato Salad to have for this week too. 

For Sunday dinner I made these two sausage quiches. I used sausage that I bought on sale for $2.49 last week. 

Monday

We had grilled chicken salads from Zaxby's. Mom needed to do some shopping, so I took her to the store and she bought us the salads for dinner. 

Tuesday & Wednesday

Cheesy Potatoes

Friday
Beefy Mushroom Hamburger Scramble
Potato Salad
Cantaloupe 
Radishes


Saturday
Hamburger or Brat
Homemade French Fries

What ws on the menu in your home this week?

Belinda ~ Living within our Means ~

Frugal Friday ~ June 29, 2018

On Saturday our power was out for seven hours due to a thunderstorm. Towards the end of that time I was ready to get in the car for some cold a/c and go somewhere for something ice cold to drink, but I resisted. 

I'm keeping an eye on our meter reading on the electric company's website. I expect to see a drastic drop in the amount of kilowatts we used on Saturday due to the power outage. 

We vacuumed both window air conditioners this week and took apart the fans and washed the cages very well. We do this on a monthly basis at least during this time of year. 

This immediately made a difference in how the acs were cooling and how the fans were moving air. 

Image Credit

We were at a thrift store last week when the cashier made an announcement that they had just received some Build a Bears and they were available at the front of the store. 

There were two shopping carts full of them and they were going for $2.00 each. 

Now I don't know the circumstances behind this donation, but I was surprised that someone would donate these. 

My daughter treasured her childhood trip to Build a Bear and still has her bear, not wanting to part with Patches and the memories that go along with him. 

All of our meals were cooked at home this week as usual. 

On Wednesday we went to town to run errands and I brought food and drinks, but started getting hungry before we were done. 

Combining errands to save money can sometimes take longer than expected. We resisted getting any fast food, but went home and had lunch there instead. 

This is one of the keys to leading a frugal life ~ being disciplined when it comes to spending money. We have very specific goals we are saving for and don't want any unnecessary spending to get in the way of those goals. 

We continue to find things we need at yard sales, rummage sales, and thrift stores. 

My daughter recently expressed interest in having a pair of knee pads for certain activities. We found a pair this week at a church rummage sale for 50¢. 

She also suggested finding a litter pan for three kittens and we found one a new one this week for 50¢ also. 

She has made the comment a few times this summer that when she buys something retail she oftentimes finds it at a yard sale afterwards. 

And it's probably related to the fact that we go to so many yard sales, but we enjoy it and it saves us money, which is a win-win situation. 

We have had thunderstorms every day this week. Our driveway is a mess from all the rain. We'll be looking at the least expensive option to fix it this weekend. 

I had a large medical bill from January where I was offered a deal to pay 50% and get 50% off my balance. I paid my half on June 6th and called on the 28th and they still hadn't written off the other half, so I will stay on top of this to make sure the other half gets removed. 

How was your week?

Belinda ~ Living within our Means ~