Frugal Friday

Welcome to Friday! We've had a good week here. We went to town last Friday to pick up groceries from Food City, and Miss B made a trip to pick up the free remains from a yard sale. The seller left her the items on her porch, so it was a contactless pickup. Other than those two errands, we've stayed home this week as usual. 
The weather here has been rainy for the most part keeping the back porch and steps soaking wet at the beginning of the week. After the rain, cool weather set in, although it would warm up in the afternoons. 
Food City sent me a text last Friday to alert me about a sale on ground beef, which was $1.99 a pound. We perused their sale ad and did a small curbside pickup that afternoon. 

They only let me buy five pounds of the ground beef and I also bought 2 cans of salmon for $1.99 each, 2 packages of cheese @ buy one get one free, and two ten pound bags of potatoes for $3.99 each. 
We only eat salmon patties about once per month. I already had two cans in our pantry and with the addition of two more cans I now have enough to last until January 2021, which by that time it will go on sale again, and I will be able to stock up again. This practice of grocery store items going on sale every 9 to 12 weeks, is part of the pantry principle system. 

While we were in town Papa John's texted me with an offer, and we decided to use our  $10 Papa Rewards. We bought two of the Papadias, which cost $6 each, so I ended up only having to pay $2.20 for these two pictured above. 
Food Shortages?
This week I read a comment on Princess Prepper's YouTube channel from poster hooliganbroome that gave me pause. 

I'm a truck driver that hauls food. Ya'll haven't seen the food shortage yet. The warehouses I go to are getting empty.  I make the same run up north weekly, and pick up from 5 different places to run back down and deliver to several different warehouses. Been driving for 14 years, always food. I've never seen the warehouses as empty as they are. Stock comes in and goes straight to retail. There is not the usual backup stock I'm used to seeing. Has been getting slimmer for about 2 months now. Seems like its getting unloaded in 1 door and getting broken down and sent straight to retail out another door. I've been around all these same warehouses for years and never seen it like this before. I delivered a truck load of an item to my local Publix warehouse and went to my retail Publix 2 days later and they were out of said item that I just delivered 2 days before.

My takeaway from reading that is, anyone who is stocking up now while they can is vey smart.  Could be that people are panic buying, which may be causing this, but I don't know for sure. I think it's wise to stock up while you can. 

In My Frugal Kitchen
The last time we bought a big grocery order was on August 17th, which was six weeks ago. As a result, we are running low on several things. I've babied the eggs, not making them for breakfast in the last week, and am down to one egg. We have one piece of bread left and it's a heel at that. LOL We will definitely have to do a grocery order in the next week to replenish items. 
One day I finished off the jar of strawberry preserves, although we do have a jar of blackberry preserves. Miss B likes strawberry, so I was able to use up two packets of strawberry jelly that we had from Hardee's. I was also able to use up the grape jelly packets I had from there a few days later. It's so great to be able to use up these items. And serves as a reminder that it pays to keep those items because you may need then later.
This week I saved maraschino cherry juice and pickle juice in my refrigerator. I will use these items at a later date to make fruit dip and chicken sandwiches. 
Meals This Week
Cheeseburgers, Seasoned Fries, Carrots with Ranch  Hamburger Steaks, Soup Beans, Carrots & Potatoes  Chicken Fajitas, Mexican Rice, Broccoli, Grilled Onions  Pork Roast, Potatoes & Carrots, Green Beans & Onions Ham, Soup Beans, Broccoli, Carrots, Corn Bread
Saving Money on Entertainment
On movie night this week we watched She’s All That, which is a 1999 teen romantic comedy adaptation of the 1964 film, My Fair Lady. After being dumped by his girlfriend, Zack Siler boasts he could make any girl in school popular. Miss B said it was definitely a 90s movie. The trailer was rather good, which is what made us want to watch this one. 
Other Frugal Things
Rather than use the checkbook register that comes with new checks, I regularly use a notebook as my check register because it will last much longer than the register. To save even more money, I use both sides of the paper. 
I've let my family members know that we are not going to be participating in any Christmas gift exchanges this year. That way they will be prepared and know what to expect ahead of time. 
My laptop has been acting up lately and I thought there was a short in the cord, so I bought a new cord on Amazon. Then this week the laptop completely died and we couldn't get it back up and running. So, I've been using my tablet to comment and post here. 
Well, guess what? 
There was a Dell Laptop included in the free yard sale stuff Miss B picked up this week. We had no hopes for it as it was free after all. But, Bailey was able to reset it for me and so far it is working well. 
We had even taken money out of the emergency fund to buy a new laptop, but ended up putting that money back into the emergency fund. And I've already opened a return at Amazon to return the laptop charger that I no longer need. 
Other free items from the yard sale that we will use include a brand new Avon body wash still sealed, small garbage can, jewelry, and she was able to get multiple clothing items to sell in her online shops, all for free. 
We trimmed the back of each other's hair this week. This is the hardest part to cut if you cut your own hair, so we do this for each other. No need to visit a salon and we save money by doing it ourselves. 
How was your week?

Belinda ~ Living within our Means ~ My Linktree

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Pantry Inventory Sempter 2018

Using resources wisely (time, money, food) is one area of my life that is important to me. Keeping a well-stocked pantry is one important tool toward this goal. Pantry staples, specifically geared towards your family is helpful for good kitchen management.
Robert Waldroup, creator of the Better Times website, says that low and moderate income families should be encouraged to keep some of their household savings in the form of food. It is good advice and one of the tools we use here at the Frugal Workshop. 
Labor Day marks the end of summer for many of us and it is during this time of year when my pantry supplies are at their lowest. 
Now that summer is coming to an end I needed to inventory what pantry supplies I had on hand. My inventory is low, but I will not be grocery shopping again until at least the middle of the month. 
Having an inventory of what I have in my pantry helps me a great deal by knowing what foods I actually have on hand and then using that knowledge in planning meals using those foods, which stretches my resources further. 
By inventorying what I have on hand I can see several different meals I can make that I hadn't thought of making before I inventoried my supplies. That will help me save money by using up our inventory. 
I continue this practice all month long, creating meals from my inventory, scouring cookbooks and Internet resources, to find ways to create meals out of what I have on hand.
Freezer 2 pounds flour 4 packages ground beef 2 packages Italian Beef
Pantry 37 cans diced tomatoes 13 cans chili beans 4 cans tomato paste 2 jars brown mustard 8 cans green beans 2 cans black eyed peas 3 cans corn 1 can cream style corn 2 Ranch dressing 2 Italian dressing 1 Thousand Island dressing 2 Lawry's marinade 2 cans pineapple 1 can pumpkin 25 cans Bush beans 1 box Success white rice 3 boxes Success brown rice 7 boxes mostaccioli 11 boxes elbow macaroni 9 boxes spaghetti Bisquick Cornmeal  Sugar 6 boxes Jello (1 lime, 1 cherry, 2 strawberry, 2 black cherry) 2 packages Instant mashed potatoes 2 packages Teriyaki noodles 1 box Rice a Roni 1 package wild rice 2 bags lentils 8 pounds pinto beans 6 pounds 16 bean soup 2 bags cajun beans 11 boxes Reese's Puffs cereal 4 boxes Life cereal 3 containers Oatmeal Pancake Mix
If you've been a regular reader of mine you can see this is a low inventory for me, but we will build up our pantry as we usually do by shopping the sales and clearance items and will build it back up throughout the coming months. 
Belinda ~ Living within our Means ~

Pantry Management

Frugal Workshop Pantry Photo 2013

My grandmother's idea of a pantry was to fill everything to capacity. Her pantry was overflowing with canned goods and boxes. 
Her home had three freezers and she filled them to capacity. One of them was so full it did not even close because it had so much food inside. 
My grandfather's bedroom was filled with boxes and boxes of foods they had canned over the years. 
There was so much food there that when they both passed away the food was thrown away including the jars, unfortunately.   They both grew up during the depression and so it was understandable that they worried about food security. 
If financial hard times ever came around again they didn't want to worry about having enough food to eat. 
I understand why they filled their home with food, but believe there is a better way to handle having so much food using some pantry management. 
They could have benefitted from Amy Dacyczyn's "Use It or Lose It" calendar. She inventoried her pantry and then created a calendar based on how much time she had left until her next harvest, and then divided the food equally among the months left.  This system insured that she would use everything in her pantry and not lose anything. 
Her point was that people who lack control over any area in their lives need to design systems to manage these areas effectively, which in the end will save you money. 
One of my pantry goals has always been to eat what we have on hand and rotate the food so we are using up the oldest food first. 
One thing I do is to not fill our pantry so full that we cannot organize it and tell what's inside. That was one of my grandmother's problems. She had so many items in her pantry that it was hard to find what she needed. 
So, one of the best tips is to organize your pantry. In my own pantry I keep all the like items together. All my green beans are together in one section, same thing with tomatoes, etc. 
That way when I am planning my shopping list I can tell quickly if I need an ingredient and can avoid buying something I already have. I don't make emergency runs to the grocery store. I either do without or make something else. 
Every few months I take the time to check and see what we have on hand. This helps me to use up items that are nearing their expiration dates and I can use them up before they expire. 
Also, I rotate the items I have on hand when we unload new grocery items. We move the older items already in our pantry to the front and put the new items behind the ones we already have. 
Recently I installed an app on my phone called "Fridge Pal", which allows me to scan the items in my pantry and also list the expiration dates. And then it will send you a notification when an item is about to expire. It's still new to me, so I've not decided how well I like it yet, but I will keep you updated. 
Belinda ~ Living within our Means ~

Principles of Frugal Living

There are several basic principles of living a frugal lifestyle. Today I am going to discuss a few of them. 

One principle of the frugal life should be to use your resources wisely and that includes food, time, and money. Instead of watching TV, use your leisure time to learn new money saving skills. Learn how to bake bread, or make yogurt, or learn to change the oil in your car.  Keep track of your spending, so you know where your money is going and then always be on the look out for ways you can save even more in those areas. 

Another principle of frugal living is to cook from scratch as much as possible. This is one of the best ways to save money. And when you do cook, use everything you can. Save those butter wrappers to grease pans in baking, use the chicken carcass or vegetable scraps to make broth, use stock leftover from cooking meats to start other meals like soup, stew, or another dish altogether. Save as much money as you can on food. Look and search out those places where you can find food cheaper. Always keep looking for new places to save yourself the most money. Grow some of your own food by planting a garden, plant fruit trees and berry bushes. Make your own jam, jelly, preserves, and yogurt. 

Another principle of frugal living is to keep a well stocked pantry. This means to fill your pantry with food that you are able to purchase at the lowest possible price. Keep a price book in order to know what the lowest price is for your family. Stocking up when the price is right on food and non-food items you and your family use will provide security against rising grocery prices. 

Another principle is to understand the consequences of your financial choices. Make sure you pay for your necessities first before you spend money on anything that is non-essential. Pay the rent or mortgage, pay the utility bills, insurance, gas for cars to get to work, and food. Paying for necessities first will give you peace of mind over your financial life. 

Did you decide to go to college with student loans? Did you take the full amount they offered, so you could live on it too or did your accept only enough to pay for your classes and books? Borrowing the full amount will cost you more in Interest in the long run. Consider working part time during college to have money to live on instead of borrowing money that won't be paid back for years with Interest accruing.

Every penny that you spend on something you don't really need is a choice you are making. Do you want to stay in debt or do you want to remain debt free? The choice is up to you.  

Another principle of the frugal lifestyle is to buy second hand. Always shop the second hand market first when you need to buy something. Shop at flea markets, yard & garage sales, pawn shops, and thrift stores. Only then, when you cannot find what you need in the second hand market should you consider buying something new. And even then make sure you pay for it with cash you've saved up and not on credit.

Another principle of frugal living is to save money every month even if it is just $5.00, which will add up over time. Having money in the bank will allow you to have some security in case something happens and you need a cushion to fall back against. 

I've only scratched the surface here of frugal living. There are many different ways to save money and live the frugal life. 

What are some of your favorite ways to live frugally? 

Belinda
CFO ~ Chief Frugal Officer
Professor Penny Pincher 
© Belinda & Frugal Workshop, 2011 and beyond.
“Use it up, wear it out, make it do, do without”
"Reduce, Reuse, and Recycle ~ It will help you save money"

My Frugal Week

The Facebook yard sale groups have been particularly beneficial to us recently. On Monday I met a lady in town to buy a shrug for my daughter after finding it advertised on a local group. I also met a lady on Wednesday evening to pick up several other items. One of them was a red shirt that will go with the shrug. 

Total for the two items was $5.00, I paid $4.00 for the shrug, and $1.00 for the shirt. My daughter is going to wear this instead of the flowery one I pictured last week for a dressy event coming up at school. All she needs now are some dress slacks and shoes. 

I also sold two things I advertised on the same Facebook group. I had both items listed on Ebay, but they didn't sell, so selling them on the yard sale group worked out great because I earned $15.00 from the combined sales and didn't have to pay any Ebay or PayPal fees. 

I met both people at the same location, one that I was going to anyway, Walgreens, so I didn't have to go out of my way or waste any gas. Mom came along with me, so she could pick up a prescription, get her flu shot and I went inside to pick up three cans of salmon, which Walgreens has on sale for $1.99 this week with a limit of three.  

On another note, I have a purple laundry basket that has seen better times. Every time I picked it up it would sort of collapse because all four corners were split. I took some purple duct tape and fixed all the cracks and splits, which has made it more durable. Now when I pick it up, it is much more stable. 

I have a yellow hamper that I did the same thing with years ago and it has lasted so much longer because I took care of it by stopping it from cracking any more with the duct tape. It may not be beautiful, but it has been very functional like this for over five years now. 

Ebay sent me a $25 off coupon for being a new seller last month. Of course, I spent it on necessities and bought three packages of Stayfree to add to my pantry. 

Other frugal things we did this week include:

Cleaning the kitchen sink with baking soda. 

Hanging up our towels after a shower to dry and reuse them. The towels are just wet, not dirty, and just need drying.

Perused the sale ads online Wednesday to see what food items are on sale this week. There wasn't anything on sale that I would stock up on this week, so I will wait and see what next week brings. The feeling of knowing that I don't have to go to the grocery store is very freeing. We have enough food in the house to last us until I decide to shop again. 

It's been cool enough here that we've not had to use the air conditioning, but not so cool that we have to have the heat on either. Also, we have been hanging our laundry to dry on our homemade drying racks since the dryer broke two weeks ago. As a result, we should see a significant reduction in this month's electric bill. 

All meals have been eaten at home this week, which saves us a lot of money. I'll be making a post about that later in the week. 

I made a birthday card for my Dad this week. I used the Craftjournal.com website to learn how to fold a $10 bill into an origami heart and made him a card with this inside.  I also baked him a chocolate birthday cake to celebrate. 

We have plans to go out tomorrow and yard sale, so stay tuned for any bargains we happen to come across. 

How has you week been so far? Any frugal activities you would like to talk about? I would love to hear about it in the comment section. 


Belinda
CFO ~ Chief Frugal Officer
Professor Penny Pincher 
© Belinda & Frugal Workshop, 2011 and beyond.
“Use it up, wear it out, make it do, do without”
"Reduce, Reuse, and Recycle ~ It will help you save money"

Frugal Saturday

The weather here in Tennessee yesterday was wonderful. It was a cool fall day and perfect for yard sales. 

Here are a few things we picked up:

One pair of skinny jeans for $5, one pair of capris for $5, three pairs of shorts for $3 each, three shirts for $2 each, one pair of like new OPI sandals $1, and one American Eagle jacket for $4. The pants and shorts are all name brand. 

All of these are for my daughter. She was thrilled with all of it, but especially the American Eagle jacket. And the flowery shirt in the front will be perfect for a dressy event she has coming up at school. 

A brand new, still with stickers, double wall cup with lid and straw. We like these cups because they have the lid and they keep drinks colder for long periods of time. These cups retail for $5 and up at most retailers, but we bought this cup for 25¢. We still can't believe the person sold it for that amount. 

Other things we bought, but are not pictured are two boxes of thank you notes for 25¢ each, and a thermal blanket for $3, which was needed for the living room as the blanket I used in there has been permanently borrowed by my daughter. lol

Since I was in town, I decided to stop at Bi-Lo and Cooke's to check out their crash and burn items. I couldn't find any at Bi-Lo, but I was glad I stopped in anyway. Looked what I scored:

These are 30 count bags of tortillas for $1.19, but see the coupon attached? I carefully read it to see if it would double, since Bi-Lo doubles coupons up to 60¢, and I figured it would, so I tried it and it worked. That coupon doubled and gave me 70¢ off each bag, so 49¢ a bag...what a deal. I'm so glad I stopped in there today. Always be on the look out for peelies to see if you can score a good deal on an item.  

My other bargain of the day came from Cooke's. Their crash and burn cart was filled with one pound bags of black eyed peas for 50¢. If you look closely you can see the 50¢ on the package. This was such a great deal that I bought ten bags. I love finding great deals like this so I can feed my family inexpensively.  

These two items were the only food items I bought on Saturday. 

Once we got home I got busy cleaning, hanging our laundry up to dry, and doing some things in the kitchen.  

I made sure to put the onions I bought this week into pantyhose and hung them in the pantry. I mentioned in a blog post a while ago that I would let you know how my experiment turned out. 

Storing the onions in panty hose, where the air is able to circulate around them definitely helps to keep them longer. The ones I bought and kept in the original mesh bag sprouted after one month, but the ones I stored in panty hose lasted four months. As a result, I will be storing them this way in the future.  

If you don't have any panty hose, Walmart sells knee highs for 30¢, which is what I used in this photo, so one of these would only cost you 15¢. Not a bad price to help keep your onions longer. 

I do have one frugal fail to mention today, if you are interested. I scored this 42 ounce canister of oatmeal at a yard sale today for 50¢. I was  actually kicking myself because if I had gotten there sooner, I could have gotten all three that he had for sale. 

When I got it home I looked at it closely and it expired in 2009. I should have looked at it closer when I was buying it. Now I will have to Google non food ways to use up oatmeal. lol

We are on Fall Break this week from school/work, so I am looking forward to getting a lot of things done. 

How was your Saturday? Did you find any good bargains?

Belinda
CFO ~ Chief Frugal Officer
© Belinda & Frugal Workshop, 2011-2014.
“Use it up, wear it out, make it do, do without”
"Reduce, Reuse, and Recycle ~ It will help you save money"

Saturday ~ Sale on Angel Soft Tissues

Publix has the 165 count Angel Soft tissues on sale this week for $1.25 per box. 

I had three coupons for 50¢ off one box, which I printed from Coupons.com. Sometimes Coupon.com will reset the coupons, so you can print more than the two you are allowed to print. I had three coupons with me, and Publix will double any coupon 50¢ and under. In the end I bought three boxes and paid 25¢ each. 

They have now been added to my pantry inventory with the other tissues I have on hand. This is an example of how the Pantry Principle works. You can read more about that at my post here:

The Pantry Principle

This was a terrific week and started out with me working two days, but oftentimes things come up for teachers and they need a sub at the last minute, which is what happened this week. I ended up subbing twice for 7th grade in one classroom and twice for them in a second classroom, which makes for great camaraderie. I love what I do and really enjoy working with the students. I hope and pray that I make a difference in their lives. 

How have things been with you this week and how was your week?

Belinda
CFO ~ Chief Frugal Officer
© Belinda & Frugal Workshop, 2011-2014.
“Use it up, wear it out, make it do, do without”

Good Deal Alert: Onions

Aldi has onions on sale this week in the 3 pound bag for 99¢. 

The last time I stocked up on this sale was back on October 22, 2013. 

You can read my post about it here. 

I have one onion left from that sale, so the timing for this sale is perfect for me. 

I bought 5 pounds this time hoping to make it to the next sale on onions. 

In my last post, reader Mama P asked me the following question,

"Does putting them in those pantyhose knots really extend the life of the onion? I'm so tired of my onions going bad so quickly."

At that time, I told her this was the first time I was trying this storage solution and that I would have to get back to her and let her know. 

Out of all 28 onions, I did have one with a bad spot inside of it, but I cut around it and used the onion anyway. 

I think having the onions exposed to the air around them helped to preserve each one until I was able to use it. In the past I've had an onion go bad and then the ones next to it go bad as well because they were right next to it. I did not experience that with this batch of onions, so I will definitely be storing my onions this way in the future. 

While I was shopping it seemed like everyone had onions in their shopping cart, lol. This is a great deal and hopefully you'll be able to get in on this one. :)

Belinda
CFO ~ Chief Frugal Officer
© Belinda & Frugal Workshop, 2011-2014.
“Use it up, wear it out, make it do, do without”

Final Day Triple Coupon Deals

Saturday was the final day of the Bi-Lo triple coupon promotion. Here is a photo of what we were able to purchase:

One of our deals today was Hunt's spaghetti sauce, which was on sale at 10 for $10.00. I also had 6 coupons for 55¢ off two cans, which were tripled, so I bought 12 cans. 

Spaghetti Sauce

Cost before coupons: $12.00

Coupon amount: $9.90

Cost after coupons: $2.10

Cost per can: 18¢ per can

Yesterday I bought the pasta and today I bought the sauce. Imagine how inexpensive our spaghetti meals will be for the next few months with free pasta and 18¢ sauce. I love triple coupons! :)

The following three items were completely free after coupons:

We were able to pick up one more box of the Barilla pasta for 24¢, so we now have two of those in our pantry for a total of 48¢.

We picked up 4 Dannon Oikos yogurts, which had 50¢ off coupons on them. They were originally $1.19, but the coupons tripled, so those were free as well. 

Other items include 2 bottles of Dawn for 75¢, and 6 boxes of Puffs Lotion tissues for $1.00 each. 

 In all I spent $128 in the past three days at Bi-Lo and saved $90.00 with coupons. This was a rare coupon promotion from Bi-Lo and not one we normally see here. I suspect it was because we recently had a brand new Publix grocery store open up in our area in the last month and these two big giants are competing for customers. 

Either way, it pays to be aware of the sales cycles. We had heard chatter online about Bi-Lo doing this early last week, and we always get the newspaper on Wednesday for the sale ads and sure enough the chatter was correct. As we were checking out last night, our bag boy asked the cashier, "How are these people getting all this free stuff?" It pays to be aware. :)

Belinda
CFO ~ Chief Frugal Officer
© Belinda & Frugal Workshop, 2011-2014.
“Use it up, wear it out, make it do, do without”

Found Sale on Ground Chuck

Image Credit

IGA has a two day sale on Fresh Ground Chuck this week for $1.89 a pound. It was only for two days and I'm not sure if you can see the yellow bubble inside the ad, but it says "While Supplies Last!" I thought to myself that they probably don't have very much in stock and it is going to sell out fast and I really wanted to get in on this deal. With ground chuck costing $4.00 a pound here right now, I knew this was a good deal.

School was cancelled yesterday due to the freezing rain here, and I had to take my Dad to the hospital for a medical procedure, but I did end up getting to IGA even with all of that and got in on this very good deal. 

There were a lot of people surrounding the meat case when I got there because they were having a good sale on several types of meat, but I only wanted the ground beef and did manage to pick up four packages of this ground chuck. The cashier told me people were panicking because of the freezing rain and she had been swamped all morning.

Here is a picture of the four packages I bought:

8.66 pounds - $16.37

8.57 pounds - $16.20

8.71 pounds - $16.46

8.63 pounds - $16.31

Here is a picture of my receipt as well: 

So, I ended up buying 34.57 pounds of meat for $65.34 or $70.57 with tax.

I came home and packaged this up into two pound packages for my freezer. I ended up with 18 packages with 2 pounds each for the freezer. There are 16 in this photo as I placed two of them in the refrigerator to use this weekend. I am planning on making tacos for dinner tonight.

Here is a picture before they went into the freezer:

The last time I was able to stock up on Ground Chuck was in August 2011, which was over one year ago. I know I've been talking about using up what I have in my pantry, but I also subscribe to The Pantry Principle. The basic idea behind The Pantry Principle is to stockpile your pantry with food that you are able to purchase at the lowest possible price. So, even though I am using up the food in my pantry, I would not pass up on a good sale like this. 

This will last me for quite some time and save me a lot of money. If I had bought this ground chuck at the regular price of $4.00 per pound I would have spent $138.28, so I actually saved $72.94, which was more than I paid for the beef. 

I am just tickled to have found this great deal and be able to stock my freezer with food bought at the lowest possible price.  

Make sure you are checking your weekly grocery store ads each week. This sale was for two days only and I wouldn't have wanted to miss out on it by not reading the store ads. 

Belinda
© Belinda Richardson and Frugal Workshop, 2011-2013.
“Use it up, wear it out, make it do, do without”