frugal

DIY Treadmill Desk

January 26, 2012
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Like many Americans I have a New Year’s resolution to get more exercise. (You already know that I have made a New Year’s resolution to take off a few pounds, as I explained in my Suddenly Frugal Seal of Approval for the MyFitnessPal app.) While I’m pretty good about walking my dog for an hour every day–free exercise, to be sure–as a writer I spend the rest of my day sitting at a desk. I know that this sitting isn’t good for my health, especially since studies have shown that people who sit a lot tend to die younger. Um, that’s not my plan.

While these New Year’s resolutions to get more exercise and eat better were swirling in my head, some people I know–also freelance writers–started talking about building standing desks or walking desks. (These newfangled workstations are also called exercise desks, treadmill offices, workstation treadmill, and more.) The notion was that if you could create a work arrangement that allowed you to get off your butt–or even better to walk while working–you would likely have less lower back pain and maybe lose a few pounds. In fact, one office that installed walking desks or treadmill desks discovered that its employees lost a whopping 150 pounds without changing anything else about their lifestyle. Read more »

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New Year’s Resolution: Extreme Cheapskate?

December 27, 2011
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extreme cheapskateThere are a number of New Year’s resolutions that you can expect many Americans to make each year–lose weight, quit smoking, eat better, save money. As far as that last resolution goes, I expect that in 2012 we’re going to start hearing more about a new kind of saving money–becoming an extreme cheapskate.

Yes, first there was extreme couponing–the practice and the show on TLC. Now TLC has upped the “extreme” ante with its new show called “Extreme Cheapskates.”

Some of the antics of these extreme cheapskates include reusable toilet paper and asking strangers at a restaurant if you can take home their leftovers. (Um, if you’re really a cheapskate, what are you doing eating out at a restaurant, unless you’re also an extreme couponer and you’re eating out for free, thanks to coupons.) Hearing this makes me think of the ultimate cheapskate bible from way back when–The Complete Tightwad Gazette.

Finding out that TLC is focusing a show on cheapskates brought me back to a blog post I wrote nearly four years ago, in which I discuss the differences between frugality, cheapskates, tightwads and others.

What inspired this long ago discussion? A survey from Wharton Business School that asked, “Are you a tightwad, frugal or a spendthrift?” In surveying 13,000 Americans about these three “labels,” they determined that people who fit into one of these categories have very different personality traits. Here are some of their findings: Read more »

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Double-Dip Recession? How to Get Your Frugal On

August 4, 2011
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I just read a news alert from the New York Times about how the stock market had another terrible day, with a global sell off, and that the three major American financial markets had lost all of the gains they’d achieved in 2011. Now the warning for the days, weeks, and months ahead was this: prepare for the coming of a possible double-dip recession.

Double dip. Sound lovely, like an ice cream cone with two different flavors, right? Well, when it comes to the economy, double dip is nothing delicious. It means that a country (USA), having started to come out of a recession, suddenly slides right back into it. Some experts believe that the double-dip recession has already begun, what with consumer spending down and unemployment up.

If you weren’t really affected by the recession during the first go around, you might want to think about changing some of your spending and saving behaviors, just in case this double dip ends up being doubly bad.

That’s why I’m suggesting that everyone get their frugal on, if they haven’t already done so. To help you do that, let’s revisit some of my basic tenents of frugality:

  1. Start cooking and eating at home. The only way to get yourself out of the habit of eating out is to stop cold turkey. I mean it. If tomorrow you wake up and decide that you’re slashing your budget for eating out, you can’t crumble three days later and order in a pizza. When we first started our suddenly frugal lifestyle in 2007, I went through withdrawal symptoms when I stopped shopping for pleasure and eating out in restaurants. But after a few weeks, the discomfort faded and euphoria kicked in–because I could see in my credit card bills and my bank account how much money I was saving. (Use the search box in the upper right hand corner on my blog’s home page to look for articles I’ve written on using your Crock-Pot or slow cooker. That tool alone is an awesome way to cook for your family and save a lot of money.)
  2. Review your bills now. Sit down with your spouse, significant other, or whomever you share a home with–or if you live alone–and comb through all of your bills to see where you can slash spending. Do you really still need the Big 10 Network on your cable bill? Do you need cable at all? Are you paying hundreds of dollars a year for a landline you never answer because you have your cell phone on your 24/7? What services do you have on automatic payment that you can cancel because you never use–gym membership, Weight Watchers online, etc.?
  3. Find ways to save energy. Stop washing your clothes in hot water. Clothes get just as clean in cold water, and 80 percent of the energy that goes into doing laundry is from heating the water for hot water washes. Fiddle with your thermostat so that you’re still comfortable but not sucking up energy to keep your home refrigerator-cold in the summer or oven-warm in the winter. Get rid of those energy-hogging incandescent lightbulbs and replace them with compact fluorescent bulbs.
  4. Start food shopping with coupons. Yesterday I went food shopping and managed to save 20% of my grocery bill, thanks to coupons. I spent about 20 minutes preparing for the trip, and I was able to save 20%. You don’t have to make couponing your full-time job to see big savings. At the very least, if you’re already shopping at CVS, sign up for an ExtraCare card, use it every time you shop in the store, and pony up $1 for a GreenBagTag. You’ll make back your initial investment after four trips to the store with your reusable shopping bags, and then every 4th trip, you’ll get $1 in ExtraCare Bucks.

As I think of other ways to get your frugal on, I’ll post more on the topic. In the meantime what are the one or two things you do when you get your frugal on?

 

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It Really Is the Economy, Stupid!

July 18, 2011
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Americans say they expect the economy to get worse in the next year, and their recent behavior shows a buckling-down and cutting-back mentality, possibly in preparation for hard times ahead–at least according to a recent Harris Poll.

This may signal that the economy will have to get worse before it gets better. That’s never great news to hear.

Here are some of the findings of that Harris Poll–some of which may be old news to us frugal folks but definitely worth mentioning as money-saving ways:

  • More than 75% of Americans have begun purchasing more generic brands to save money (67%), up from six in ten who said they did this in February (61%) and the highest number reporting doing so since the question was first asked two years ago.
  • Slightly more people today are brown-bagging their lunch as a way to save money (46%) than did so in either February or October (45% in both) and the number of people using refillable water bottles rather than purchasing bottles of water is the highest it’s been since June 2009 (39%).
  • Currently more than two in five Americans are going to the hairstylist or barber less often (43%) as a way to save money.  The only other time this number has been greater than two in five was 20 months ago, in October 2009 (43%).
  • In terms of Americans’ media consumption, three in ten have cancelled one or more magazine subscriptions to save money (31%), up from 30% in February and 27% in October. One in five U.S. adults have cut back on cable TV service (22%) and slightly fewer say that they have cancelled a newspaper subscription (18%).
  • Now a quarter of Americans say they have cut back on dry cleaning as a way to save money (24%) which is up from the 21% who said they did this in both February and October.
  • One in five have stopped purchasing coffee in the morning (21%), a number which has more or less stayed constant since October 2009. (Check out this recipe for at-home Starbucks Frappuccino for about 90% less than you would spend at Starbucks!)
  • While some Americans have cancelled their landline telephone service, changed or cancelled their cell phone service or begun carpooling or using mass transit as ways to save money, these don’t seem to be the top priorities as fewer than one in five say they have done each of these things every time the questions were asked.

While making more careful spending decisions may be good for a household budget, as I said earlier, continual cutting back doesn’t do much to help the overall economy grow.  Americans need to find a balance between feeling secure enough in their household finances and feeling comfortable spending something to allow the country’s economy to grow once again.

So if you’ve got a Groupon/Living Social deal burning a hole in your pocket or a gift card that you never got around to using after getting it at the holidays, make a point of going out and spending it. The economy will thank you.

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Frugal Visits to New York City

May 11, 2011
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OK, frugal travelers, answer me this: what kind of frugal tips would you like for taking a trip to New York City? Here’s why I’m asking.

I’m going to be shooting some original video for my updated television reel in the next few weeks, and I’ll be spending three days shooting “organic” video in New York City. I have some ideas on what I’m interested in, as far as frugal visits to New York City. I mean I did live there for 10 years. But what would you like to know about being frugal while in New York City–possibly an oxymoron but, I’m confident, totally doable. Please post a comment to share your ideas. Hopefully I’ll be able to turn some of your ideas into future blog or vlog posts that will help you with any trips to NYC.

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Guest Post: Why Frugal and Happy Go Together

April 8, 2011
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(Today’s guest post comes courtesy of Meagan Francis, a writer and mother of five, at left, with her brood, who also happens to be a blogger, writer, and author. I’ve known Meagan for years! Her articles and essays appear regularly in publications like Parenting, Parents, American Baby, and Pregnancy and on websites like Babble.com and iVillage. She is the author of four books, including the brand new tittle The Happiest Mom (Parenting Magazine): 10 Secrets to Enjoying Motherhood. Meagan is sharing 3 reasons how frugal and happy can go together. FYI, Meagan was kind enough to let me guest post on her Happiest Mom blog during my Toss, Keep, Sell! blog tour. Take it away, Meagan.)

Cracking down on your spending and creating a budget doesn’t always sound like fun—in fact, to a lot of people, the dreaded “F” word (frugality, not the other one!) equals deprivation and miserliness. But I think being frugal can actually make our lives better, more fun, and happier. Here are three reasons I think “happy” and “frugal” totally go together:

  1. Buying less stuff makes your life easier. If your kids have hundreds of toys and you have dozens of doo-dads cluttering up your living space, keeping things clean and organized will either become an impossible task or take up way too much of your time. Jumping on the frugal-living bandwagon gives you a great reason to stop shopping for sport and to clear out some of the stuff you’re no longer using. Less time spent dealing with stuff equals more time for the things you really want to do.
  2. The happier you are, the less you need to spend money. For me loneliness, sadness and boredom are the three biggest things that get me spending money. If I’m lonely and bored, I want to shop to fill the time. If I’m sad, a new set of dishes or some jewelry seems like it might give me a boost (but that boost never lasts, does it?) The happier, more engaged and more active I am, the less I “need” those dinners out and recreational trips to Target.
  3. Taking control of your money is a huge stress-buster…and can actually be fun! It’s hard to be really relaxed, confident, and optimistic about the future when you don’t know where your money is going or you’re not sure you can pay the bills. But if you are making an effort to trim your spending and stay on top of your budget, you feel a lot more empowered—and less intimidated. Deciding to live more frugally can also force us to think creatively, which can actually be fun! Rather than thinking about what I’m giving up, I try to look at living on a budget as a fun challenge—just how low can I get that grocery bill, anyway? The more I feel like I’m living within my means, the more relaxed—and happier—I am.
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Are You Spending Too Much Time Being Frugal?

March 9, 2011
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I know. That seems like a crazy question, right? But last week I read an MSN article called “17 Signs that Frugality Has Gone Too Far” and it got me thinking: it’s one thing to want to do right by your family by living frugally. It’s another to suffer for your frugality.

Here’s a quick recap 5 points that story makes–and my take on them.

  1. You spend more time trying to be frugal than on anything else. According to Coupon Mom Stephanie Nelson, you should spend an hour at most cutting coupons for grocery shopping. I’m sure there are many people out there that spend way more time dealing with coupons. But at what cost? (No pun intended.)
  2. You have no social life. Frugality shouldn’t leave you feeling lonely and isolated. Even the most frugal among us find a way to invite friends over for movie night–$1 movie from Redbox, potluck dinner to keep things affordable, etc. If you are foregoing all the fun stuff in your life for the sake of frugality, you need to switch some things up.
  3. You buy things you don’t need just to get a good deal. That’s not frugal; that’s foolish. It’s fine if you’re stocking up on things you need in everyday life, within reason–extra birthday gifts, a few extra tubes of toothpaste–but if you need to buy new furniture to hold all the things you got at a great price, then you’ve gone too far. In fact, you could be bordering on hoarding.
  4. You’re not making smart frugal decisions. Not replacing the tires on your car or the batteries in your smoke alarm because you don’t want to spend the money is just plain stupid. The MSN story talked about people who even choose to eat expired foods to save money. Crazy!
  5. You can’t remember the last time you treated yourself to something. I know, it’s hard to spend money on yourself when you’re all about saving your family money. But a treat every once and awhile won’t kill your budget and it could improve your outlook tremendously. A way to help you make this indulgence is to wait for something to come through on Groupon or Living Social so at least you’ll be getting your treat at discount!

So tell me: how much of yourself to do you see in any of the above? Post a comment to let us know.

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Frugal Dinner Challenge

February 14, 2011
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We’ve done a pretty good job these last few years of planning meals, cooking at home, and stocking up on food when it’s on sale at the grocery store. But tonight I feel like we’ve hit a tipping point. Here’s why.

Tonight my husband did the grocery shopping. When he got home, and I was finishing unloading and putting away the groceries, I realized we had no more room in the freezer. Literally. I had to squish the last few things in there.

And we have two freezers that we use.

From the free Thanksgiving turkey we got using supermarket points last November to leftover batches of chicken soup I’d made two weeks ago when I was sick and which I’d frozen for later use, we have enough food in the freezer to make at least a month’s worth of dinners. At least that’s what I think.

So here’s the deal my husband and I made tonight. We’re going to embark on a frugal dinner challenge between now and the Ides of March.

We’ve done the no new spending month. We’ve taken a spin with The Grocery Game. This time around, except for produce and dairy, we aren’t going to buy anything new to make dinner for the next month. If we want something that we don’t already have in the freezer or the pantry, we’ll have to do without, find a substitution, or make something from scratch to fill in.

I’ll keep you posted on how our frugal dinner challenge is going by posting what we made for dinner from items we already owned. I’m pleased to announce that in the past three nights, we’ve already done just that–with pot stickers and rice from Trader Joe’s on Saturday, gnocchi with vodka sauce (that my husband made from scratch) on Sunday, and chicken, baked potatoes, and salad tonight.

If you’ve embarked on a similar dinner challenge, I’d love to hear more about it.

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10 Off-Beat Ways to Be Frugal

January 24, 2011
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WalletPop quotes me in a recent story “10 Off-Beat Ways to Be Frugal.” This is the second time in as many months that WalletPop has featured my advice!

Once again my recipe for DIY laundry detergent is getting some play, and why not? It’s a great deal and works just as well as the commercial stuff. I’m still on my mission to figure out DIY dishwasher detergent. Stay tuned on that front.

In case you haven’t had the chance to click over to that WalletPop story, here is quick recap of the 10 different ways that the 10 frugal folks quoted in the piece live frugally:

  1. Make your own mittens. (One of my mom’s friends felts old sweaters and turns them into mittens. In fact, I got a nifty pair, with fleece lining, for my birthday. Considering it was -1 when I walked the dog this morning, those mittens kept my hand quite toasty!)
  2. Switch up your pharmacy. (I’m always tempted to do this, especially when Target is offering a $10 gift card for bringing in a new prescription. However, the nearest Target is 30 minutes away, which isn’t too convenient.)
  3. Find dollar store-supplied hobbies to pursue.
  4. Join a babysitting co-op. (We totally did this when our kids were young and we were living in graduate housing at the University of Michigan. This allowed our daughters to have insta-playdates and then gave us a free night out as a couple. Loved it!)
  5. Take leftovers off friends’ hands.
  6. Discover ways to get discounted postage. (I’ll stick with the Forever Stamps for now.)
  7. Get your home insurance reassessed.
  8. Make your own laundry detergent.
  9. Ask for a discount, always. (In situations where haggling isn’t frowned upon, I always ask the salesperson, “Is that the best you can do?” Often times I’ll get additional money knocked off the price.)
  10. (Tip is too far out for me to repeat or recommend.)

What are some of your off-beat ways to be frugal?

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Suddenly Frugal on the Radio

September 22, 2010
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I did an hour-long radio segment on Tuesday night with “Breaking Through with Georgiann.” Most of the interview focused on my new book Toss, Keep, Sell!: The Suddenly Frugal Guide to Cleaning Out the Clutter and Cashing In.

If you’ve  got some time today, click here to listen to the show. Enjoy!

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Frugal on a First Date?

September 13, 2010
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Would you act frugally on a first date? According to a new survey from RedPlum, the folks that bring you deals and coupons, 78 percent of Americans would–even going as far as using a coupon to pay for movie tickets on that first date. Seventy-seven percent would use a coupon to pay for dinner at a restaurant. (Thank goodness I’m married and don’t have to worry about dating at all!)

And while there was an option to do so “discreetly,” a majority of those who responded “yes” didn’t feel the need to conceal the fact that they were using a coupon. This outwardly open action speaks to the value-oriented mindset of today’s consumer, extending the need to save in all aspects of their lives – at the grocery store, at restaurants and on a date, too!

RedPlum says that using coupons or seeking savings is seen as a “badge of honor” these days, and that women love to swap stories about their best find and share their savings successes in a very viral way. I know this to be true about myself and within my circle of friends. At least once a day one of my Facebook friends or the people if follow on Twitter post something about a deal! (It’s how I found out about today’s Massage Envy deals, from a Facebook friend’s status update!)

Here are some additional stats from the 2010 RedPlum Purse String Study:

  • 22% of respondents said they would do “pretty much anything” to get 25% or more in savings. Signing up for an e-newsletter and filling out an online form led the way of what lengths consumers would go to for a good deal at 74% and 71%, respectively.
  • 57% said their family and friends think their zeal for getting a good deal is “spot on.”
  • 80% of respondents spend up to three hours each week seeking out coupons, deals and savings from all sources. This was true across the board, regardless of age, children in the household or income, although older adults (65-plus) did spend slightly more time seeking out deals.
  • This deal-seeking accounts for up to $50 in savings each week for 81% of respondents or an average annual savings of $2,600.
  • 82% said they use the money they save with coupons on basic necessities or paying down debt, 56% and 26%, respectively. Whereas in the past consumers may have set aside their savings for a vacation or “splurge” fund, today people are redirecting any potential surplus toward fundamental household items and services to stay ahead.
  • Only 12% said they are “splurging” with the money they have saved.

“This new frugality is driven by the economy that is leading to shopping behaviors that will remain long after the economy improves,” says Lisa Reynolds, RedPlum’s Mom Saver-in-chief.. “Yesterday’s occasional saver has become today’s deal-seeker who is instilling these trends in the next generation of value seekers.”

I believe it. In fact, it was the angle I took when originally pitching my book Suddenly Frugal: How to Live Happier and Healthier for Less to publishers. Clearly, I was on to something.

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Guest Post: Getting a Massage on a Budget

September 12, 2010
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One of the perks my mother enjoys in her retired life is a weekly massage. I wish I had the budget for such indulgences, but guess what? It turns out that getting a massage doesn’t have to be an expensive ordeal, as today’s guest blogger, Debbie Abrams Kaplan, explains.

Debbie covers family travel, events and deals for Frisco Kids and Jersey Kids, so she knows a lot about how to have fun and save money. She happens to be the person who gave me the heads up that tomorrow, Tuesday, September 14th, is when you can find one-day deals on massages nationwide. (And yes, I booked myself a massage at a discount.) Take it away, Debbie.

For some, getting a massage, facial or a mani-pedi is not a luxury but a necessary party of regular life. I love getting massages, but am conscious of my budget, treating myself on occasion. Usually that occasion is when I find a good deal. Here are some of the ways I do that.

Fall means back to school, but it also means back to the spa for me. September 14th is Massage Envy’s Massage for the Cure event. They book $49 massages (50 minutes) and $15 of that goes to the Susan G. Komen organization which sponsors breast cancer research. They promise to donate at least $500,000. More than 640 Massage Envys in 42 states are participating.

Spa Week happens twice a year, and it’s coming up this fall. More than 800 spas in many states offer deals for $50 massages, facials and other body treatments. And the spas are ones you probably want to visit anyway – there’s a top-notch list. Start booking now if you live in California, Nevada, Illinois, Washington, Oregon or Arizona, for Spa Week running September 13-19. If you live in a different state, Spa Week is October 11-17 and appointments can be booked starting September 13th. You do need to register for the website, but that’s free.

Group buying sites frequently offer great deals on massages, facials, mani-pedis and other types of body work. These include:

Massage students have to practice a certain number of hours on live humans before getting their certification. Check with your local massage school to see how to “volunteer.” If you’re a part of a mom’s group or community Yahoo-type group, keep your eye out for announcements of this type too. I’ve gotten freebies this way – the only downside being you might get the massage at their house instead of a studio.

In this economy, businesses are doing what they can to get new customers. You might not think of getting a massage at a chiropractor’s office, but they do offer therapeutic massages that definitely get the kinks out. You might find gyms offering deals – at their own massage studio or at a chiropractor’s office nearby. Keep your eyes open!

Note that with any discounted massage or body treatment, you’ll still need to tip the therapist – generally 15%. And that should be based on the original massage price, not the discounted price.

Let us know if you have additional tips for saving money on spa treatments, such as massages.

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New Use for Old Watermelon

August 16, 2010
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We love watermelon. I mean during summer, our refrigerator is never without at least one seedless watermelon in it, waiting to be eaten. It is our favorite summer fruit and one we enjoy in chunks or cut in half moons, which my younger daughter calls “smiley faces.”

The best way, in my opinion, to eat watermelon is when it is as fresh as possible, when the fruit is crisp and not as, my older daughter say, “texture-y.” If you have food texture issues like we do in our family–rice pudding or tapioca? I’d rather poke my eyes out!–then you know what we’re talking about when we say “texture-y” watermelon.

Sadly, we don’t often get the chance to eat an entire watermelon before it gets “texture-y” and so it ends up in the compost. But recently my older daughter came up with a brilliant idea for using old watermelon. She figured that she could turn “texture-y” watermelon into delicious fruit pops.

So last week, when we found ourselves, once again, with “texture-y” watermelon in the fridge, my daughter got out our food processor. She put chunks of watermelon into the food processor and hit “puree.” A few minutes later she took the pureed watermelon and poured them into Popsicle molds. Into the freezer they went and six hours later we had delicious, free and not at all “texture-y” watermelon pops.

I love that, on her own, she came up with this idea to ensure that no watermelon ever goes to waste again in our house.

I wonder what other fruits we could transform from “texture-y” into delicious ice pops as well. Have any ideas?

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Guest Post: 5 Easy Steps for Making Jams and Jellies

August 15, 2010
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You can find these custom canning labels at merrimentdesign.com

(This is a guest post from Deborah Adams, founder of the Notes from Dry Creek Farm blog. She is also a freelance writer, and currently a resident writer for Online Schools, which researches areas of higher learning, how to pick an online school and education. In her spare time, she enjoys gardening and yoga. It’s a beginner’s guide to canning your own jams and jellies. Take it away, Deborah!)

These days we’re all looking for ways to save money, and preserving our own food is one of the easiest and most satisfying ways to do that. Even if you don’t grow your own food, chances are you can purchase fresh vegetables and fruits from your local farmers market, and you will certainly be offered excess zucchini and tomatoes by gardeners in your neighborhood.

If you’ve never canned your own food, it might seem like an intimidating project. I promise you – it’s a snap. As with any other endeavor, you just need to start with something simple and gain confidence before moving on to the slightly more difficult canning procedures.

Jams and jellies are the easiest foods to can and will likely be the most popular with your family, too. Because the fruits and berries that traditionally go into jam are high-acid foods, you will not need a pressure canner or even a water bath canner to make these.

If you’re ready to tackle home canning, here’s what you will need:

  • Jars with lids and rings. You can find these in department stores, farm and garden supply stores, and often in discount stores during the growing season. It is important to use only jars that are made especially for canning – don’t try to recycle those jars that came with salsa, baby food, or any other product in them. You can (and should) reuse your canning jars from year to year, along with the rings. The flat lids with rubber seals, however, are a one-time-only product. Once they’ve been used, the rubber may not seal properly again, and it is extremely important that you get a good seal to prevent food poisoning.
  • Glass or enamel cookware. You’ll be cooking your jelly for a few minutes, but avoid using aluminum pots for this. Aluminum can react with certain foods and give it an ‘off’ taste.
  • Pectin. Pectin is a complex carbohydrate that occurs naturally in many fruits. Until the mid-19th century, cooks would toss some green apples into their cooking fruit to help thicken jellies and jams. You can certainly try that if you want, but it’s far simpler and quicker to use packaged pectin. You’ll find it in the store displayed alongside the canning jars. There are several brands, including Sure Jell and Pomona, as well as a powdered and liquid (actually a gel) pectin. All of them work equally well, so just grab the box that you think is prettiest.
  • Sugar. If the instructions that come in the pectin package don’t specifically mention a type of sugar, they refer to the refined white stuff. You may, of course, substitute a natural cane sugar or other sweetener, but be aware that this may cause your jam or jelly to be slightly ‘looser’ than expected.
  • Fruit. You’ll find very clear and simple instructions inside the pectin package for making jams or jellies with different types of fruit.  It’s important to use the exact measurements given in order to get a tasty consistency, so please don’t try to fudge on any of the ingredients.

Now you’re ready to begin the process.

1. To make everything run smoothly, it’s a good idea to have your ingredients assembled before you begin. Wash the jars, rings, and lids. I like to dip my jars into a big pot of boiling water for a few minutes, just to be sure nothing uninvited gets into them.

2. In a smaller pan, heat the flat lids in simmering (not boiling) water until you’re ready to put them on the jars.

3. You’ll wash the fruit thoroughly, then chop or crush it (depending upon the type of fruit). The instructions in your pectin package will tell you exactly how long to cook the fruit and when to add the sugar and pectin.

4. When the fruit mixture is cooked according to the instructions, ladle it carefully into the clean jars. Take time to check that the rim of each jar is clean and to wipe away jelly that may have dripped onto it.

5. Place the heated flat lids on the jars, then secure them with rings. These are going to be very, very hot, so use a dishtowel to protect your hands while you tighten the lids.

That’s it. Really. All that’s left is to let the jars cool until the flat lids form their seal. You’ll hear a satisfying pop when the little bump in the middle of the lid sinks down, letting you know that a good seal has formed.

Once the jars are completely cooled, press lightly on the lid to be sure that each one has sealed. If the lid still has a little upward bump in its middle, there is no seal. Not to worry – just stick those unsealed jars in the fridge and enjoy them first.

A word of warning: once your friends and extended family get a taste of your homemade jams and jellies, they’ll be begging for more. Your next project may be putting in an orchard to keep up with the demand!

Let us know if you give canning a try and how it goes.

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4 Cheapskate Tips for Getting Fit

June 27, 2010
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While we’re full into bathing suit season, chances are someone you know is considering how to lose weight or get more exercise. Or maybe you are. If you’re on a budget, good news: you can be a cheapskate and a fit person. Here are four tips for doing that.

  1. Skip the gym and head outdoors. In my gym rat days, I used to spend hours on the treadmill. These days I do my walking for free outside. If the exercise you like to do is something you can do on your own without paying for a gym membership, why are you spending that money?
  2. Hit thrift and resale stores and yard sales for gym equipment. I’ll bet that if you’re in the market for free weights or even some simple gym equipment, you can find it for a lot less by getting it used.
  3. Use your TV for workout inspiration. You can find free exercise programs on Exercise TV (I love the Biggest Loser ones) or free workout DVDs at your local library.
  4. Find around-the-house ways to work out. Do you have a pool? Why not swim laps as your exercise? Have a set of stairs in the house? Run up and down them instead of taking a step class. Don’t have any free weights? Curl gallons of milk or bags of groceries when you bring them in from shopping as part of your weight-lifting routine.

Do you have cheapskate ways for getting fit beyond those listed above?

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5 Ways to Garden on the Cheap

June 23, 2010
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By taking care of my own lawn and garden, I’m saving thousands of dollars of year by not having to hire a landscaper. Even with these savings, I like to save even more, which is why a recent “Gardening on a Shoestring” article by Mary Hunt caught my eye. It included some clever ways to have a great garden without spending extra cash.

Combining Hunt’s advice and mine, here are 5 ways to garden on the cheap.

  1. Find natural and inexpensive ways to get rid of bugs. Hunt likes to use the vampire trick to get rid of aphids–she places gloves of garlic near her plants. I’d always heard that spraying a soapy, non-toxic solution on plants kept them bug free. (I’m partial to Dawn dishwashing liquid and water in a spray bottle.)
  2. Keep costs down on tools by sharing and swapping. I recently researched a magazine article on how swapping stuff can save money. I came across a group called Neighborrow, which is exactly what it sounds like–an organized way to borrow things from people rather than buying new. In a pinch you can always borrow gardening tools from your neighbors, without a formal agreement or umbrella group overseeing the swap, and then you just return the favor when your neighbor needs something from you.
  3. Look for free or low-cost landscaping options. Hunt recommends asking about ripped bags of soil or mulch at home improvement stores, which, like a dent-and-scratch item, are usually marked down. She also recommends looking for the plant “graveyard” for nearly dead plants that could be nearly free. Another way to get free plants is to look for them on Freecycle (something I’ve done to boost my own garden) or go dumpster diving/trash picking. I got a flowering tree this way when I dragged it out of my neighbor’s trash.
  4. Skip expensive weed-prevention sheets. You want to know one of the best ways to keep weeds out of your garden–without having to weed? Lay down sheets of newspaper and then cover them with mulch. These will choke out any weeds that are thinking of sprouting up and help to keep your garden pretty much weed free.
  5. Make your own mulch and organic matter. If you ever have a tree taken down, don’t let the tree company take the wood away. Have them chip it up into mulch and leave it for you to use in your own garden. Similarly, if you’re planting new things, turn to your compost bin for organic matter rather than paying for someone to bring in manure.

What about you? How do you keep your gardens going when you’re on a budget?

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5 Frugal Deals You Can Find in March

February 25, 2010
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(Here is the text version of the tips I offered earlier this week on the 10! Show.)

The best way to live frugally is to stock up on stuff when it’s one sale. And in March you’ll find deals on lots of things worth buying, if not stocking up on. Here are the five frugal deals you can find next month.

1. Winter gear like skis
Regular stores will be marking down the winter sports gear but if you head to a shop like Play It Again Sports, where I got my cross-country skis, you’ll pay even less. Even on sale cross-country skis at a regular retailer cost more than $200. I got mine for less than $100.

2. Winter clothing and coats
Even though we’re sick of the snow and can’t wait for warmer weather, now is the time to stock up on winter clothing and coats for next year. I just got a great deal on long-sleeved shirts from the Gap, and retailers like Lands’ End have marked nearly everything down for winter. Teens and tweens can stock up cold-weather fashions at stores like Plato’s Closet.

3. Small consumer electronics
Black Friday is a long way off so stores often run March deals as a way to get people to buy electronics. If you are in the market for a new printer, you can bring your old printer in for free recycling at Staples and the store will give you $50 off the purchase of a new printer costing more than $199. You can also get a great deal on an external hard drive from iosafe.com. This device, which is Mythbusters-proof, normally retails for $399. In March you can get it at Costco for $249.

4. Crafting supplies
March is National Craft Month, meaning that people who like to quilt, knit and scrapbook are going to find lots of sales and promotions at local craft stores. One example is at AC Moore, which will have jewelry supplies on special.

5. TVs and Entertainment
Now that the Consumer Electronics Show is over, manufacturers have started rolling out their 2010 “models” of TVs. And stores need to make room for them. That’s why you’ll find huge markdown deals on TVs in March, such as Samsung TVs at World Wide Stereo. You’ll find savings of $300 to $1300 on flat screen TVs there. You’ll also find deals on home entertainment systems, such as the Chordette Gem, a transmitter of sorts that lets you play your Bluetooth-enabled iPhone or iPod Touch in any room of the house. At Hifi House during March, you’ll get $100 off.

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5 Frugal Super Bowl Party Ideas

February 2, 2010
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Even if your favorite team isn’t playing in the Super Bowl this year, chances are you are either going to be attending or hosting a Super Bowl party on Sunday, February 7th, when the Indianapolis Colts meet the New Orleans Saints in Miami. A recent VISA survey showed that six out of 10 Americans will be at a party on this date. That same survey determined that the average American spends about $175 on a Super Bowl party.

Think you can’t have a Super Bowl party on the cheap? Think again. Here are my five frugal Super Bowl party suggestions:

1. Make it a potluck party. Why not spread the spending around by asking your guests to bring a little something to share with everyone else. Everyone loves a potluck because it makes the menu more interesting and, especially for the host, it takes a lot of the prepping pressure off. Best of all the entire price tag for the party doesn’t fall on your shoulders.

2. Do away with disposables. Sure clean up is a snap when you can just throw out all the cups, plates and napkins. But how much money will you be throwing in the trash in the process? Instead, plan to set out reusable plates that you can put in the dishwasher at the end of the night. Don’t have enough place settings to go around? Ask family and friends to bring their dishes along, or head to your nearest thrift store and pick up a few extra plates for pennies a piece. Since most Super Bowl parties are buffet style, no one is going to care that your dishes aren’t a matched set.

3. Limit your menu to save cash. Instead of grilling burgers and dogs and serving chili and having side salads, try limiting your menu to one or two affordable options. Chili in a Crock-Pot will make most people happy. Plus, the only sides you’ll need are sour cream, shredded cheese and some bread. You can even have two slow cookers going–one with a meat chili and the other with a vegetarian version. Slow cookers use the least amount of energy of all of your appliances so you’ll save this way, too.

4. When shopping for your party, choose store brands over name-brand products. According to the Private Label Manufacturers Association, you can save about $40 per grocery trip if you choose the store’s brand products over the name brands. When it comes to your Super Bowl party, you can probably find everything on your shopping list and not pay brand-name prices for them–from hunks of cheese to sprinkle on your chili to the spices you’ll use to give your chili some kick.

5. Don’t waste money on decorations.
Who’s really going to notice if you’ve hung streamers in the favored team’s colors so why spend the money on something you’re just going to throw away at the end of the night? Instead, borrow footballs, helmets and other gridiron paraphernalia from your family, friends and neighbors and use those freebies to dress up your space.

What kind of Super Bowl party (frugal or not) are you having or attending this year?

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Cooking Without a Kitchen: Favorite Snack

January 7, 2010
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OK, so this isn’t something that you make that requires a stove, but it’s my new favorite frugal snack and I had to share. It’s DIY trail mix, and I could eat it as my three squares a day.

I’ve always loved trail mix, especially the ones with M&Ms in them, but I’ve found it to be expensive. In some places where you can buy it in bulk, they charge $9.99 per pound. No thanks. I’ll make my own and save the money.

No measurements are necessary when making DIY trail mix; you can just eyeball the amounts. Here’s what you need or rather what I use:

peanuts (honey roasted are a fave)
chocolate chips
dried cranberries

I just put these all into a ramekin in fairly equal parts, cover with my hand and give a good shake. I like to have a tall glass of water sitting nearby since this snack makes my thirsty.

If you want to spice things up, you could add other kinds of nuts or go for chocolate-covered dried cranberries or raisins, or splurge and add M&Ms or Peanut M&Ms.

I just finished a small helping of my DIY trail mix (which was dessert for me tonight), and I’m set for the evening. Yum.

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5 Frugal New Year’s Resolutions

January 6, 2010
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Earlier today I did a guest segment on the “10! Show” in Philadelphia to talk about frugal New Year’s resolutions. Since the video of that segment isn’t available yet (though I will post it here on the blog once it’s online), I thought I’d recap my advice and include tips and links for the products/services I’d mentioned.

  1. Discover ways to get something for nothing. A recent survey right here on this blog uncovered that six out of 10 readers–savvy frugal people–had either never heard of or never used Freecycle. Freecycle, where one person’s trash is another person’s treasure, is a place where you can give and get free things, like plants for a garden or ribbon for wrapping gifts (two freebies I’ve scored via Freecycle). You can also swap stuff for free, such as clothing or books. In fact, thanks to sites like Paperbackswap.com and Bookmooch.com, I got my daughter’s summer reading list for high school last year without spending a dime.
  2. Make everything good to the last drop. The idea here is to get as much as you can out of every item you own, even if it means snipping the end off a tube of toothpaste to get a few more brushings or using a cotton swab to swipe out the last drops of lotion in a bottle. Additionally, you can make your shoes last longer if you take care of them by using products like Kiwi Shoe Polish (I grew up on the stuff) on a regular basis, and wiping off shoes whenever you are out in the winter salt. When your shoes start to wear out, don’t throw them out–have them resoled. Last winter my husband and I spent $100 to have five pairs of shoes resoled. Bought new, we would have spent 10X that! Finally, instead of washing barely worn clothing, give them a few spritzes of Febreze, toss them in the dryer for five minutes and fold them up and put them away as if they were freshly laundered. (I do this all the times with my kids jeans–shh, don’t tell them.)
  3. Buy from companies that stand behind their products. I have a down vest from Lands’ End that is missing a snap, and because of the company’s unconditional guarantee on all of its products, I can send the vest back for either a replacement or a refund. And I will be doing that shortly. Other companies that guarantee their products and will replace them if they don’t hold up include L.L. Bean (ask me sometime about my college backpack or my current winter jacket), Jansport (they call it their product warranty) and Lia Sophia, the direct seller of jewelry (I have a few of their pieces).
  4. Make your own laundry detergent–even if you don’t have a degree in chemistry. You’ve probably read my recipe here on my blog for my DIY laundry detergent made from borax, washing soda and soap. I continue to believe that this is the biggest bang for my laundry buck, especially since we moms do about 400 loads of laundry a year.
  5. Look for found money. Coinstar says that the average home has $90 in spare change just lying around. As you know from my recent coin-hunting experience, I was able to turn up hundreds of dollars in spare change, which I cashed in at my local Coinstar machine and got a gift certificate to Lowe’s. (The coin counting was free because I chose to get a gift certificate/gift card in return.) Well in addition to cushion diving, you should look for other places and ways where you can save money. Don’t forget about bag credits–even Target is in on that now, offering you five cents off for each reusable bag you bring. Additionally, when you have to shop online, start your shopping at a shopping portal that allows you to earn cash back. Two such sites are Ebates.com and Upromise.com. The latter will funnel your cash-back money into a 529 college savings plan. What a painless way to save for college, right?

What are some of your frugal New Year’s resolutions? Do you have other money-saving tips to add to list?

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