Well, here it is, the last reading of the Tightwad Gazette II. Amy ends the book with a discussion of wealth and frugality. I quoted quite a bit of what she wrote because I wanted to get her point across.
Page 263 – The Twilight Phone Zone
In this article, Amy talked about the mire of phone companies and long distance rates and researching to get the best deal. This advice is still true today, except now there are cell phones and cell phone companies that we must deal with. Combine that with whether to have both a land line and a cell phone or to have a cell phone or a land line alone and you end up getting a little blurry eyed trying to compare companies and deals.
There are still bargains to be had today and you need to spend some time researching what your “needs” are. Do you need all of those minutes and extras? Can you live with a basic cell phone or do you “need” a smart phone? What can you live without and so on?
It may take time to do the research necessary to find a cell phone or land line service that fits into your budget. But the savings alone is with the time you spend doing this research.
PAGE 266 - TIP ONE – BOIL, DON’T TOIL
When you have burned on gunk on pots and pans, simply put enough water into a pot to cover the stain. Add 2 tablespoons of dishwasher powder detergent. Boil for 15 to 30 minutes. This also works for dirty burner plates if boiled in a pot of water.
I have been doing this for years but without adding the dishwasher powder. Usually I pour hot water into the pot or pan and let it soak while we eat. If the “gunk” is still on the pans while I am cleaning up, I then boil the water. All of this can be done while you are cleaning up or eating and it doesn’t take long at all. Then I pour the boiling water contents down the drain. The boiling water helps to keep the drains unclogged.
PAGE 267 – TIP TWO – IT MUST BE SPRIG
A reader wrote in to say that instead of using parsley in a recipe, she uses chopped celery leaves.
PAGE 268 – A RECIPE FROM AMY – TUNA-CHEDDAR CHOWDER
Amy says that the title of the soup may not sound tempting, but it is actually one of the best soups she knows. “It is delicious and has an appealing orange-gold color.”
Tuna-Cheddar Chowder
2 carrots, shredded
1 onion, chopped
1/4 cup butter or margarine
1/4 cup flour
2 cups chicken broth
2 cups milk
1 can tuna, drained and flaked
1/2 teaspoon celery seed
1/2 teaspoons Worcestershire sauce
1/4 teaspoon salt
1 cup cheddar cheese
In a large saucepan, sauté the carrot and onion in butter until the onion is translucent. Mix in the flour. Add the chicken broth and milk. Heat and stir constantly until thick and bubbly. Add the tuna, celery seed, Worcestershire sauce and salt, and heat through. Add the cheese and stir until it melts. Serves 4.
If you don’t like tuna, I think that this would taste good with crab or imitation crab meat. We can get imitation crab at a fair price. You could always stir in some under cooked broccoli for a change too.
PAGE 272 – WEALTH, POVERTY AND FRUGALITY
When Amy was growing up, her family lived in a large house, drank reconstituted powdered milk, took box lunches to school and ate oatmeal for breakfast. For a brief time, Amy was upset that she didn’t get to wear the latest fashion trends, but then she noticed something. Kids that wore all the new stuff lived in small houses and she lived in a big house.
Instead of feeling upset over not having the latest fashions she began to feel more fortunate due to their big house. Her simplistic view as a child was that people who wore new clothes lived in small houses and people who wore second hand clothes lived in big houses. Of course this isn’t always true.
What is true is that people who put their surplus money into short term extravagances rarely build the same wealth as those who put their money in things with lasting value.
Amy goes on to say that “we still think that frugality has to do with being poor, and that wealth and frugality are mutually exclusive terms. The fact is that income level has very little to do with whether a person chooses frugality.”
I have rented the series “Cranford” from Netflix and it is about the life of several women in a small town in England during the 1840’s. The women are constantly referring to how they live their lives with “elegant frugality.” I love that phrase and to me it means living a frugal life that is still a pleasant and elegant life.
Some people think that when they cut back, that they are now poor instead of thinking that they are living a life of frugality. It is all in the perspective. Some people think that living a life of frugality gives kids low self esteem.
“Wealth, on the other hand, is not how much you earn, its how much you accumulate.” A man did a study and said that the typical wealthy person lives in a middle class house, marries once and stays married, owns a small factory, chain of stores, or service company and lives his entire life in one town. His money is seldom inherited.
“Americans tend to think that frugality has to do with being poor, we see it as an admission of economic failure. We think only poor people go to the thrift shops, only poor people bring home a good find from the dump, and only poor people cut their kids’ hair.”
“Because we don’t want to be seen as economic failures, we spend our money the way we mistakenly think the wealthy do – usually on day to day extravagances.”
“It is true that most wealthy people buy a few more luxuries than do poor people, but the total percentage of income they spend on extravagances is extremely small. Consequently, a person with a low income and a wealthy attitude would live modestly as possible to create a maximum surplus to save and invest.”
“To be successful and happy in the frugal lifestyle, we have to be proud and confident in our choices. We must have a clear view of our goals, and we must understand the tradeoffs we’re making. If we do this, we’ll feel no shame about being frugal. Instead we’ll understand that we have a wealthy attitude.”
And so ends the Tightwad Gazette II. We start the Tightwad Gazette III next week. I need a few days to get some sewing done and I want to post about what I am sewing. I haven’t sewn for a very long time and I am anxious to revive my sewing skills.
I have enjoyed re-reading and getting a refresher course on all of Amy’s books. I hope it has been beneficial and encouraging to others.
How many of you have a price book? I need to update mine. Amy answers some further questions today about compiling a price book.
The last Extreme Couponing episode showed one of the ladies going through the grocery store looking at her excel spreadsheet list of groceries on her tablet computer. If I had a tablet computer it would have my price book on it, but I don’t have one and I’m not going to buy one. Even frugal people can dream about having an expensive gadget.
Let’s get to our reading and I’ll put my dream on the back burner for now.
PAGE 250 – SAFETY PIN UPHOLSTERY
To “upholster” a one or two cushion piece of furniture, Amy said that you can take fabric and wrap it on a cushion like you would wrap a present. Then you just safety pin it all in place. Amy has used this as a temporary solution until she finds upholstery fabric that she likes and will then make a permanent cover.
When our kids were younger, I would keep a sheet on the couch cushions and I would tuck it in. The purpose was to keep dirt off of the cushions or prevent spills from damaging the cushions. Actually in the summer time it was so much cooler to sit on a couch with a sheet on it than to leave it uncovered. We have owned our couch for 8 years now and I know that doing this protected it during the first couple of years. We always removed the sheet when company stopped by. I no longer do this as it isn’t necessary.
PAGE 250 – INSTANT MILK ANALYSIS
Because the price of instant milk rose to almost the price of whole milk, Amy wasn’t going to fault any tightwad for abandoning instant milk altogether. However a reader wrote in to tell Amy that they purchased “non instant powdered milk” in 50 lb. bags from a bulk food store. Other readers purchased this product from a factory or a bakery supply company. The price for non instant powdered milk for these readers ranged from $1.00 to $1.54 per gallon. It takes a little more effort to get non instant powdered milk to mix completely so Amy uses a blender to get the product completely dissolved.
PAGE 256 – AVOIDING THE PRICE BOOK HASSLE
Amy profiled her Price Book in Tightwad Gazette One. I profiled that article here. Several readers wrote to Amy to say that they were hassled by store employees when they went to stores to write down prices. These readers were trying to write down hundreds of prices at a time when they were confronted by store managers wondering what they were doing. Some managers thought that these readers were working for competing grocery stores.
Amy never had that problem as she gleaned most of her price book information from jotting down a few prices at a time, looking at her store receipts and going through sales flyers. She went to the grocery store to fill in the gaps. She spent almost no time standing in aisles writing down prices.
Amy keeps track of fewer products as she does not use many convenience foods. Also some items she didn’t need to include in her price book as she bought them so often she had the prices memorized.
“Remember that through keeping a price book you gain a general sense of where you should shop for each item, but far more important, you learn the bottom price. It doesn’t matter where you buy it, what matters is the price you pay.”
PAGE 259 – HOW TO MOVE INEXPENSIVELY
“Moving can cost thousands of dollars. How cheaply you can move depends on how much advance notice you have, how far you’re moving, how much stuff you have, how healthy and strong you are, and how resourceful you’re willing to be. If all of those factors are in your favor, a move can be almost free.”
1. First of all get rid of as much of your belongings as necessary. Scrutinize your belongings and sell the excess at a yard sale.
2. Packing material bought from a moving company can be extremely expensive. Go to stores and look for free boxes. Scavenge for Styrofoam peanuts, or other packing material. Go to a newspaper publisher and get end rolls that are free of newsprint. You can use this as packing material and there won’t be any ink to rub off of your belongings. Of course you can use your own sheets and towels as packing material. If you have a facebook account, put the word out to friends and family as to the packing materials that you need.
3. Pick up free brochures on packing tips. Now you can go on line for packing tips.
4. Get friends and family to help you load the truck. Have everything boxed up and ready to go before they get to your home. Be sure to provide them with a meal, snacks and beverages to keep them hydrated. Consider some other sources of inexpensive labor: college or high school students, (I would add that church youth groups would be a good source.), anyone that you know is unemployed.
5. Borrow a pickup, van, truck, utility or horse trailer. For longer moves consider buying a truck or trailer or even an old school bus. Many readers did this and because they had shopped carefully, they were able to be resold after the move and they broke even. When we moved about 120 miles to where we live now, we rented a U-Haul truck and members of our church helped us load it and one man drove the truck down to where we live now. We followed in our car. This same man drove the truck back to the town we had moved from saving us a lot of money.
6. Your most expensive option is to hire a moving company. If you go this route, do your research for the cheapest alternative. You can save money by packing yourself. Now you can do this research online to find all of your options.
On June 8th we will finish the Tightwad Gazette II. Read pages 262 through 274. A few of you have e-mailed me saying that you would like me to continue with the 3rd book and I have decided that I will do that. I have been re-educating myself on frugal tips and have re-acquainted myself with several by going through Amy Dacyczyn’s books, so it has benefited me also. I won’t post a reading every day, but will post at least 3 times week on The Tightwad Gazette III.
 |
| Cuban Bread |
Today’s reading has probably the most interesting advice that Amy could give and that is her analysis of Feast or Famine spending. I quoted a lot of that article as everything she said was so important and putting it into my own words would have watered down Amy’s advice. I need to read that column more than once as I fall short many times so sometimes I need a little kick in the pants to get back on the frugal band wagon.
PAGE 240 – FASTER THAN A SPEEDING BREAD MACHINE
Amy gives her recipe for Cuban bread which takes only 1 ½ hours from start to finish.
Cuban Bread
5 to 6 cups all purpose flour (you can substitute whole wheat flour for 1 or 2 cups)
2 tablespoons dry yeast
2 tablespoons sugar
1 ½ teaspoons salt
2 cups hot water (120 to 130 degrees)
1 tablespoon sesame or poppy seeds
Mix 4 cups of the flour with the yeast, sugar and salt. Pour in hot water and beat 100 strokes, or 3 minutes with a mixer. Stir in the remaining flour until the dough is no longer sticky. Knead 8 minutes. Place the dough in a greased bowl, and cover with a damp towel. Let rise 15 minutes. Punch down. Divide into two pieces. Shape into two round loaves, and place on a baking sheet. Cut an X ½ inch deep on top with a sharp knife. Brush with water, and sprinkle with seeds. Place on the middle shelf of a COLD oven. Place a cake pan of hot water on the lowest shelf. Heat the oven to 400 degrees. Bake 40 to 50 minutes until deep golden brown.
PAGE 241 – TIP ONE – DENTED PING-PONG BALLS
Put your dented ping pong balls in boiling water to pop the dent.
PAGE 242 – LAUNDRY QUANDARY
Amy used powdered laundry soaps as she felt it was cheaper per load and that liquids were more expensive. More and more people were buying liquids because it was easier to pre-treat clothes by pouring some of the detergent directly on to the stains. So in an effort to see if powdered was really the least expensive, Amy went to the store armed with some very high value coupons.
Amy found out that trying to compare what liquid detergent is the better buy can be difficult when each of the caps are different sizes.
Now the liquid laundry soaps let you know the “load” size per bottle so you can easily compare loads to loads instead of trying to figure out how much detergent fills a cap. I use less per load than what is recommended when I use liquid detergent. As a side point lately I have been able to get name brand laundry detergent very, very cheap as there have been some great high value coupons along with some great deals. Recently I bought three 150 oz. jugs of Purex laundry soap for only 99 cents each.
To get the most out of your liquid laundry soap, after pouring the measured detergent into the cap, toss the cap into the washing machine to get every last drop of detergent out of the cap. Just remember to remove it before you put the clothes in the dryer.
PAGE 245 – WHOOPEE WE CAN SPEND AGAIN
Amy makes an interesting comment in this article that I think needs to be pointed out first. “Frugality and bad economic times are so closely associated that I can actually gauge the severity of a drop in the G.N.P. by the boost in the number of media inquiries I get. People spend lavishly during good times because they believe that it’s better to have splurged and gone bust than never to have splurged at all.”
Amy calls this style of spending Feast or Famine. Here are some of the problems that can arise from this style of spending:
1. It leaves you with little to survive the times when your income drops. If you save money during the good times, then you will be able to weather the bad times.
2. “Continually changing rules creates stress.” For example, if your kids are used to getting whatever they want and you become unemployed, their constant whining about not being given money for anything they want is stressful.
3. “Although some frugal activities can be quickly adopted in times of famine, others can’t.” Examples of these activities are gardening which might take a year or two before it produces well. It may take more than a year to stockpile yard sale clothing so you will only rarely need to buy new again. “It takes time and patience to convert uncooperative family members.”
4. “When frugality is practiced only during unemployment, it acquires a stigma. Family members associate meatless meals and yard sale clothing with bad times. Often the terror of unemployment isn’t about not having enough to eat or losing a house, but about having to do all that ‘low-class penny-pinching stuff. Conversely, when frugality is practiced even in good times, the family learns to enjoy it and stretch the possibilities with their creativity.”
Amy goes on to say that “a tightwad tends to be fearless in an uncertain economy. He knows that as long as there is enough money for basic needs, he can live quite happily without luxuries. He knows that there will always be Christmas because he can create it from nothing. He knows he can wring more miles from his old car. He knows he can feed his family well from his extensive repertoire of hamburger recipes. Most important, he doesn’t feel like a victim of economic circumstances beyond his control. While he might dip into savings for a period of time, his lifestyle need not change. He is in control.”
We will cover pages 250 – 259 for our discussion on June 6th. We are coming close to the end of this book and I am wondering how everyone feels about moving on to the Tightwad Gazette III. I would post about 3 times a week from that book instead of nearly every night. Let me know how you feel. Remember if you don’t want to leave a comment, you can always e-mail me.
In today’s reading Amy tells how her husband shops for groceries each month. Most of the grocery shopping is done by her husband, Jim. There are other great tips about an easy healthy snack along with how to make toddler pajama bottoms from a man’s knit shirt.
PAGE 228 – LET’S GO SHOPPING WITH JIM
When talking about grocery budgets, Amy defines hers as purchasing strictly food. She has a separate budget for pets and toiletries/paper products. At the time of the writing of the book in 1995 her monthly grocery budget averaged $180.00 a month for their family of eight. How did she do it? They never ate out or bought hot lunches at school. They gardened and shopped sales and stocked up when there were good deals.
I remember the first time that I read this book that I was struggling to feed our family of 4 on $200 a month. I was in awe of how much it cost Amy to feed her family.
Her monthly budget for personal care items was $25. Her budget for pet food was $30.
They achieved their low food budget through a combination of scratch cooking, gardening, semi-vegetarianism, never wasting food and other strategies that were listed in her first book. The one most important tactic was smart shopping. She gave credit to her price book to compare deals at local stores. “We realized it’s possible to buy many foods for half of what most people pay, if we buy them at the right place and the right time.”
They shop a few stores to get their great deals but they don’t make special trips to these stores. Instead they always timed grocery shopping when they did other errands. They shopped a natural food store to get bulk spices and such, a surplus and salvage chain store that sells odd lots of food to pick up very cheap cereal, a bakery thrift store for bread products and a Shop n Save store that had a large selection of high quality store brands. They also shopped a Warehouse store. Each store had its advantages as to prices on certain products such as tomato paste and cheese. It was by compiling a price book that they learned what items were priced at the best price at each store.
They never went out of their way to shop. They always combined trips to the stores with trips to do other errands also.
Most people would say that they don’t have the time to drive “all over the state” to hunt down bargains. But Amy counters with the fact that when they go to all of the stores, this is a once a month shopping trip that takes about 4 hours along with the other errands. Side trips to the store for the rest of the month add up to another 2 hours. So they spend 6 hours each month grocery shopping which isn’t bad when you think about.
I agree with Amy’s style of shopping. If I have some time and I am passing Wal-mart or another grocery store in our town, I will drop in to see if there are any mark downs and unadvertised sales. I always keep my coupon notebook with me so that I can take advantage of a great deal matched up with a coupon.
PAGE 232 – TIP ONE - PEANUT BUTTER SNACKS
Take ½ cup honey, ½ cup peanut butter and ¾ to 1 ½ cups of dry milk. Combine all of these ingredients and roll into small balls. Roll the balls in coconut, sunflower seeds or nuts.
PAGE 232 – TIP TWO – BUDGET BREW
This reader said that while stationed in Germany she found that the European coffee was ground to an almost talcum powder like fineness, which makes it possible to use much less. Because of this, this woman bought extra find grind and then re-ground it to a powder at home before using it in her coffee machine.
PAGE 233 – TIP THREE - ROWS OF ROSES
This is a really nice idea from a reader of the Tightwad Gazette. When the reader’s sister was married, she took the half-dead roses from her sister’s bouquet after the ceremony. At home, she rooted them by cutting off the heads, making a clean cut on the bottoms, dipping the fresh cut bottoms in a rooting hormone, and putting them in a pot that was half Perlite and half soil. She kept these moist until rooted and then planted them in a shaded location in her garden. Then on her sister’s first wedding anniversary, she presented her sister with 12 rose bushes from her wedding bouquet.
PAGE 237 – 20 – 20 TELEVISION
Amy was amazed how many people regarded cable TV as a necessity. The only situation Amy could think of at the time when it would be needed was if the reception in your area was so poor, it seemed to be the only way to rise above the “fuzzy blob.”
Amy suggested getting high powered “Rabbit ears” to solve the problem. As always Amy recommended seeking the minimum level or finding the cheapest satisfactory solution.
Well, today, you have more options than Amy did back in 1995. If you can’t afford cablevision, it’s no big deal in my mind. You can watch a lot of programs and movies on the internet. You can even “rent” TV programs from Netflix or better yet if you want a movie you can borrow it from the public library. If I could only afford one luxury and had to choose between cablevision and the internet, I would choose the internet.
PAGE 237 – POST-JERSEY PJ’S
A reader wrote in to say that you can make toddler pajama pants from hubby’s old knit shirts.
Turn the shirt inside out and lay it flat. Use a pair of your toddler’s pants as a pattern and trace onto the shirt allowing extra for seams and the waistband.
Cut the two pant legs out. Sew up the side of each. Put one leg inside the other, right sides together. Pin and sew the crotch.
To finish, sew waistband down, to form casing for elastic, leaving a 1 inch opening to insert the elastic.
For June 4th, we will be discussing pages 240 through 249. I will post my response to yesterday’s Case Scenario on June 3rd. I also have had a really, really great week saving money on groceries and toiletries using coupons. I got several items free as I was patient to wait for sales to team up some really great manufacturer’s coupons. I will have to post how I did it sometime soon.
I started a new subject the other day on “What If” scenarios. We never want to think that some scenarios can happen to us, but they can and do happen. I have hoped that over the past few months of going through Amy Dacyczyn’s books that everyone has learned to save money and spend less so that you can be prepared for those “What If” scenarios.
Let’s look at today’s reading that runs the gamut of Salads to Dry Cleaning and Wrapping Paper.
PAGE 218 – SAVE MONEY – TOSS THE SALAD
“When it comes to produce, our ancestors ate seasonally. When their gardens were producing, they ate greens, cucumbers and tomatoes, but during the winter they ate sweet potatoes, carrots, and butternut squash because these would keep without freezing or canning. Now, with modern transportation and food preservation, seasonal eating is almost nonexistent.”
When I was growing up we ate seasonal salads. In the summer we ate tossed salads of lettuce, tomatoes, cucumbers, carrots and other “tossed” salad ingredients fresh from the garden. In the winter months we ate cabbage salad or coleslaw, carrot salad, gelatin salads, salads made with home grown frozen vegetables, and fruit salad made from home canned fruits. It was a rarity to have a tossed salad in the winter months.
Amy asks the question “how does fresh supermarket produce, which loses nutrition through aging, compare to canned and frozen vegetables, which lose nutrition through processing?”
The nutritionists Amy interviewed all agreed that the exact form of produce (fresh, frozen, canned or dried) was a minor concern. Instead they stressed volume and variety. “Eat a minimum of 5 servings of fruits and vegetables daily, including some that are high in A and C. Eat cruciferous vegetables (cauliflower, brussels sprouts, cabbage and broccoli) several times a week. Several studies have shown that these help to prevent cancer.”
If you want to save money and still eat nutritiously, shift your diet to frozen out of season produce and to fresh, low cost winter vegetables during the cold weather.
PAGE 220 - TIP ONE – DAYS OF OUR SOAPS
A reader wrote in to say that she marks the date on certain products. She sticks on a piece of masking tape and marks the first day of use on it. It gives her the incentive to beat the number of days she can make the product last. Examples: dish soap, dishwashing detergent, shampoo and so on.
I’ve been doing this for several months and have been amazed by how long I am able to make certain products last longer than I ever did before I started to mark the beginning date of use on the container. As an example I opened a 77 oz. bottle of Ultra Downy Liquid Fabric softener on August 16, 2011. One third of the jug is left. I only use it on towels and dressy clothes. By use, I only pour in 1 teaspoon per load. The rest of the clothes I use dryer sheets cut into thirds.
Why the dryer sheets on some clothes and not on others? I found that the dryer sheets were leaving marks on my husband’s dress shirts so I switched to liquid fabric softener. I purchased 4 boxes of name brand dryer sheets for 50 cents two years ago with a coupon so I do want to use these on everything else. I have cut the sheets into thirds to get the most out of them. When I am able to hang my clothes out on the line, I switch to liquid fabric softener for everything.
I have purchased about 4 jugs of name brand fabric softener over the past few months as there have been some great deals with coupons and I have paid about $1.00 for a large jug of Downy. I have enough fabric softener to last me a very, very long time.
PAGE 221 – HOW TO CUT YOUR DRY CLEANING COSTS
Follow the manufacturer’s instructions unless you’re willing to risk ruining the garment. However, if you buy a blouse at a yard sale for 25 cents and it is to be dry cleaned, you may try to hand wash it and if it is ruined, you are only out 25 cents.
“Reader after reader reported success with home laundering dry clean only clothes and very few cited ruined garments. They generally suggested hand washing or using the gentle cycle with cold water and a mild detergent, then laying the garment flat to dry.”
I have never used the home dry-cleaning product, Dryel, which is available so that you can dry clean your clothes at home. Instead I try to avoid purchasing any article that requires dry-cleaning if at all possible. My husband wears dress pants, dress shirts and ties to work from Labor Day to Memorial Day. Then during the summer months it is a casual dress of Docker style pants and casual shirts.
He needed some new dress pants 12 months ago and I happened upon a catalog sale with JC Penney. I ordered several pair of dress pants that are not to be dry-cleaned but instead to be washed in cold water and dried on low. These pants have the look of a dry cleaned pant but without the cost of dry cleaning. He still has a few pants that require dry-cleaning and the cost is around $7.00 per pair of pants. Sometimes our drycleaner sends us discount coupons.
I respect the Dry Clean Only label and I wouldn’t try to clean an article of clothing on my own.
PAGE 226 – TIP TWO – FREEZING RAIN CHECKS
A reader wrote in to say that she lived in a tiny apartment which had a small flimsy metal freezer above the fridge. She learned to go to the grocery stores on the last day of a sale and get a rain check for frozen sale items that they were out of and she didn’t have room for at the moment. Then, a week or so later when she had more freezer room, she would go back and pick them up. Some rain checks last for 30 days.
PAGE 228 – TIP THREE – 100 YARD STASH
A reader wrote in to say that at the after Christmas sales she looks for Christmas wrap that could double as an all occasion wrap. She gets one roll for adults and one roll for children. I came across some Christmas wrapping paper last year that could double as all occasion paper. It is white paper with little red dots. It is perfect for any occasion for a child or adult.
We will continue our Tightwad Gazette II reading on Thursday, June 2nd by focusing on pages 229 through 239. Tomorrow I will post my response to the first “What If” scenario and I will propose a new scenario for everyone to consider.
Tomorrow is Memorial Day here in the States and we have planned a cookout with our children and daughter in law. We are having brats, chicken, deviled eggs, baked beans, watermelon and of course, Smores for dessert.
I just took homemade cinnamon rolls out of the oven for breakfast tomorrow morning. A holiday is one of those special times I like to bake cinnamon rolls.
Well, here is today's discussion from the Tightwad Gazette II. I know it is early to talk about Christmas, but the earlier the better for good planning and money saving plans too. Today we finish discussing Christmas and end with some great reader tips.
PAGE 205 – GIFTS FOR KIDS
Begin stockpiling yard sale toys in May. One mother went into her sons’ room to look at the toys they received for Christmas. She figured out how long they had played with the toys and found that the puzzles and traditional toys were the ones that had the most play time. Even though she shopped for new toys at a toy store, she didn’t buy near the amount and shopped the sales.
For older kids, shop at used sporting-goods stores.
If you find a toy at a yard sale that is in great shape, why not buy it? It’s ridiculous to pay full price for the box that a new toy comes in since that is what you are really paying for.
Some of the best kid gift concepts are “gathered presents.” These include:
School: Chalkboard, chalk, eraser, pointer, tests, report cards with envelopes, write and wipe calendar, markers, roll book, bell, flag and stand.
Crafts: Feathers, sequins, construction paper, yarn, beads, co9lorful macaroni, mini clothespins, paints, markers, dowels, confetti, glue, scissors, pipe cleaners, doilies, buttons, pom poms, moving eyes, metal brads, idea book, carrying case.
PAGE 207 – HOLIDAY TRADITIONS
If a child constantly asks when is Christmas, take a small piece of rope or a shoe string, tie knots in it for the remaining days and each night untie one knot to show you are one day closer to the big day.
Ask older children to take part in a service project such as a food drive for those in need.
PAGE 208 – DECORATIONS FOR THE HOME
Luminaries. Fill a tin can with water and freeze it. Then punch holes with a hammer and nail to form a picture or abstract pattern. The frozen water inside keeps the can from bending as you punch it.
Christmas Potpourri
Peels from 2 apples, dried and broken up
1 cup or less orange peel, dried and broken up
2 tablespoons whole cloves
1 cinnamon stick, broken into small pieces
Mix and store in a jar or paper bag. Simmer in a pot for a wonderful aroma.
Put several mason jars on a sill, and stuff an equal length of inexpensive twinkle lights in each jar.
PAGE 212 – TIPS
PICTURE PERFECT - Here is a perfect gift suggestion when you are the mothers of the bride and groom. Moms get together and swap pictures from birth to match age to age; Cub scout to Brownie, cheerleader to Little League. Put the pictures in a photo album for the couple. With digital cameras it is easier to share photos these days.
A FINE LINE – Don’t use clothespins to hang up shirts on the clothes line, instead hang them on plastic hangers and put the hangers on the line. I do this, but I put two clothes pins on either side of the top of the hanger to keep it from blowing off the clothes line.
PAGE 214 – UNITED WE STAND
A reader wrote in to say that she kept putting off making a price book as she felt she didn’t have the time. So she made a list of her frequently purchased grocery items and handed her friends and family a list. When they were at grocery stores they would record the price of a few items and then she was able to divide and conquer and get the price book put together.
PAGE 214 – VAPOR VALUE
To get free distilled water for your iron or vaporizer, save gallon jugs and use water from the dehumidifier during the summer months.
For May 31st we will look at pages 218 through 227.
In today’s reading, Amy covers Christmas gift giving recipes. I know that it is the end of May, and Christmas is several months away, but if you make a plan now for Christmas and put that plan into action you will not only save money, but the holidays will be less stressful. Amy gives a few recipes in this section and if you think these are recipes you would like to try for gift giving, then when these ingredients go on sale now (if they will keep) or in the fall, buy them. Make a list of what you will need and then buy your ingredients when they go on sale and check them off your list.
If you have a Household Notebook, have a section for Christmas and put the list of things you will need along with the ingredients and recipes so that you will be all ready when Christmas arrives.
PAGE 196 – FOOD FOR THE FESTIVITIES
Stained Glass Cookies
1/2 cup softened margarine
1 cup sugar
1 egg
1 teaspoon vanilla
1/2 teaspoon baking soda
1/2 teaspoon salt
2 1/2 cups unsifted flour
1 lb. assorted colored hard candies (such as life savers)
Blend together the margarine, sugar, egg and vanilla. In a separate bowl combine the baking soda, salt and flour. Add the dry ingredients to the sugar mixture. Add water, about 6 tablespoons, until the mixture forms a stiff but workable dough. Cover and chill for 1 hour.
Unwrap and sort candies by color into separate bowls. One at a time, put each bowl of candies into the plastic bag and crush with a mallet. The final texture should include granules and small chunks. Return crushed candies to their separate bowls.
Preheat the oven to 350 degrees. Flour your hands and roll a small piece of dough into a rope exactly the thickness of a pencil. Shape the ropes into holiday designs such as stars, bells, etc. I have done this by rolling out the dough and cutting it out with cookie cutters and then I take a sharp knife and cut out a portion of the center of the cookie. Also I bake cookies on parchment paper as it saves on your cookie sheets and makes clean up so much easier.
Prebake the cookies for 8 minutes til lightly golden. Remove from the cookie sheet from the oven. Fill the centers with crushed candy. The depth of the candy should be even with the dough. Bake about 4 minutes or a little less. Watch carefully you do not want the candy to bubble, but to melt. Remove from oven and cool.
Homemade Toffee
1 cup chopped walnuts or pecans
3/4 cup packed brown sugar
1/2 cup butter or margarine
1/2 cup semi-sweet chocolate chips
Butter an 8 inch square pan. Spread the chopped walnuts or pecans in the pan. Heat the butter or margarine and sugar, and boil over medium heat in a 1 quart saucepan, stirring constantly. Do this until the mixture darkens and just begins to smoke, about 7 minutes. Immediately pour the mixture over the walnuts.
Sprinkle the chocolate chips evenly over the hot mixture, and put a cookie sheet over the top to hold in the heat so that it melts the chips. Spread the chocolate with a knife. If desired sprinkle ground walnuts on the melted chocolate. Score into 1 1/2 inch squares while still warm. Refrigerate. Break into squares when cool.
Christmas Cheese Ball
2 ounces cream cheese, softened
1 teaspoon minced onion
2 teaspoons chopped pimento
Dash garlic salt
2 tablespoons mayonnaise
1/4 cup chopped green pepper
8 ounces grated cheddar cheese
1/2 cup chopped walnuts
Combine the first 7 ingredients and form into a ball. Roll the ball in the chopped walnuts so that the outside is completely covered.
Whole Wheat Crackers
1 1/2 cups whole wheat flour
1 1/2 cups white flour
1/4 cup sugar
1 teaspoon salt
1/2 teaspoon baking soda
1/2 cup margarine
3/4 cup buttermilk
1/4 cup wheat germ
Sift the first 5 ingredients together. Add the margarine and process in food processor. Add the buttermilk and process until it forms a ball. Set it aside for 10 minutes. Cut the dough into four parts. Grease cookie sheets and sprinkle them with wheat germ. Roll each dough piece out on a cookie sheet. Sprinkle with salt. Cut into diamond shapes with a pastry wheel. Bake at 350 degrees for 20 to 25 minutes. Cool and put into a covered container.
Does this inspire you? As you come across possible recipes for gift giving, put them in your binder in the Christmas Section. Then you won’t have to look for them when the time comes.
PAGE 202 - SOMETHING FOR THE BIRD LOVER
Bird Food Blocks (similar to the suet you find in the store)
2 cups shortening
1 cup peanut butter
1 cup cornmeal
1 cup oatmeal
1 cup birdseed
Melt the shortening with the peanut butter in a large saucepan. Add the cornmeal and mix well. Add the birdseed and mix well. Pour into a rectangular baking pan or cupcake pans, and let set overnight. You can cut the pieces in the baking pan into squares to fit into a suet feeder or you can set out in your birdfeeder.
COOKIE DOUGH AS A GIFT
Give away several rolls of homemade freezer cookie dough as gifts.
Tomorrow we will continue our discussion of Christmas by reading pages 205 through 214. I’m excited at the prospect of making a list now of all of the homemade gifts I want to make such as aprons, and get those sewn over the next few months. I would much rather spread the work over a few months than stay up late several nights before Christmas to get the work done. It is my goal to have a less stressful and enjoyable Christmas this year. Make it your goal too.
Today we are covering pages 188 through 194 in the Tightwad Gazette Book II. Today’s discussion is about making a quilt from used items. I really love this idea for making something out of otherwise useless or less than great items. Also Amy covers in these pages frugal Christmas gift giving.
It is the end of May, but honestly thinking about Christmas gift giving now is a very good idea. Start making things now such as handmade sewn gifts or you may come up with a great item at a yard sale for gift giving.
I am making a list of possible gifts for Christmas and I will be searching for these items over the summer at yard sales.
PAGE 188 – THE 95 CENT QUILT
In this article Amy explores making quilts from used fabrics for personal use. Some states have restrictions on selling quilts made from used fabrics and batting but they are perfectly good for your own personal use.
Years and years ago quilts were made to use up scraps of fabric in order to turn them into a useful item. Amy says that by using second hand materials you can easily make a quilt for under $5.00.
Making quilts from scraps can be a challenge when you are trying to coordinate colors. Sometimes the results aren’t always perfect, but you kind of like that. “Accepting the less than perfect result is actually liberating.”
Settle on a basic pattern and color scheme and go from there. Amy made her first quilt using scraps and used materials for 95 cents.
Amy took a pillowcase (one of her kids had cut a hole in it) and a matching bottom sheet (ruined by someone who dumped makeup on it) and she cut these up for quilt squares. The other sheet that went with the set she used for the quilt backing. These were a bright pink color and hence her color scheme began. These ruined sheets and pillowcase along with a twin sized comforter became the beginning of a girls’ new quilt.
Amy designed a square using 50 percent of the pink sheet fabric and the rest would come from other fabrics. Basically she made 1 square out of 2 triangle pieces of fabric sewn together. These were complimented by squares of fabric. She looked at yard sales for pink flowery print clothes and was able to find some for a total of 85 cents. She also had a couple of stained flowery blouses and a dress that she sacrificed for the quilt.
Amy sewed the pieces together on her sewing machine and pieced them together again using her sewing machine. She bought a ball of embroidery cotton for 10 cents at a yard sale to tie the quilt.
The old comforter was used as “batting.” The good sheet was used for the backing. After she had pieced the quilt, sewn it together and tied it, she ended up with a beautiful quilt for her daughter’s bed.
This is what Amy learned, that she could make a unique piece of bedding for her family. Also the great advantage to making a quilt from scraps is that you can use clothing that is torn, stained and otherwise unusable as long as the fabric isn’t too worn. You can also create a memory quilt using pieces of fabric from favorite out grown outfits.
Amy loved this and felt it was a great hobby for people with limited time as they could sew a few quilt squares at a time.
PAGE 191 – I’M DREAMING OF A TIGHT CHRISTMAS
When money is tight, you can still give Christmas gifts but you may have to have a plan.
The Upfront Plan
1. Talk about it. When you have family members together such as at a graduation celebration or a summer reunion, talk about Christmas gift giving for the family. Specifically talk about cutting back and giving frugal gifts. These frugal gifts could be handmade, from a thrift store and so on. You could draw names, shift to household gifts, suggest swapping of services such as free babysitting, and yard mowing, bread making over the coming year. Set a spending limit for everyone to spend on each person.
2. The Covert Plan.
“If it’s too late to discuss the problem with your family this year or if you are sure the discussion would be fruitless, try showing them.” Amy goes on to say that with some creativity you can show others that you can give them nice gifts. Here are some guidelines:
A. To successfully convert people, your gift giving must be excellent. Gifts that are inappropriate or poorly made will fail.
B. Start slowly. It might take a few years to get everyone to give up extravagant, expensive gifts.
C. Provide information. If someone thinks your gift is store bought, tell them you made it.
D. Be confident. Never apologize for the humbleness of your gift.
“In attempting either the upfront plan or the covert plan, it helps to explain why you want to save money. If you choose the upfront plan, this reason should be a part of your discussion. If you choose the covert plan, frequently mention your financial goals to those around you. If you let everyone know you are saving for a down payment on a house, what reasonable person could fault you? But if others still see your frugal gift giving as poor, cheap and/or thoughtless use the Buzz off plan.”
“It’s unreasonable for others to expect you to spend in accordance with their values.
For tomorrow we will cover pages 196 through 204. This reading will cover Christmas gift giving.
I wrote the following post late last night and when I went to publish it, Blogger was down. It's up and running obviously except some recent posts were deleted. I have had my blog for about 20 months and have never had a problem with Blogger so that is very good service when you think about it. So Kudos to them for getting things resolved with minimal problems.
Now on to our Tightwad Gazette reading.
PAGE 179 – TIP ONE - TWO MINUTE WARMING
A reader wrote in to say that she felt like for years she was getting cheated by not being able to get that last little bit of solid antiperspirant/deodorant out of the container, she decided that she needed to try something.
She dug all the remaining stuff out of the container with a knife and put it in a glass custard cup. She put it in the microwave for two minutes. Using a spatula she scraped all the melted antiperspirant into an old deodorant container and let it cool. Four used up deodorant containers have filled a recycled container half full.
I have never tried this but I have snipped tubes and plastic bottles to get the last bit of a product. It is surprising how much is left in these containers when you think you have used everything up.
PAGE 180 – TIP TWO – WASH CARE
A reader wrote in to say that they knew some college students and in exchange for the students babysitting for them, they let them wash and dry their clothes. The students provided their own laundry soap.
When we were first married, we had some friends that needed someone to babysit their sons every Tuesday evening. I volunteered and in lieu of getting paid, they let me do a couple loads of laundry at their house. It was great not to have to go to the Laundromat for a while and they in turn wanted to pay me, but were happy with the bartering.
PAGE 182 – THE FRUGAL BALANCE
Can you be too frugal? Amy responds with this “Most people think of frugality only in terms of saving money. Under that narrow definition, the answer would clearly be “Yes, you can be too frugal.” But if you look up frugal in the dictionary, you’ll find it isn’t defined specifically as having to do only with money. It’s defined as not wasteful, economical, or thrifty. These terms can apply to the expenditure of any resource.”
Everyone tries to achieve the highest quality of life possible using four basic resources. These are money, time, space and personal energy. These resources are interconnected in an intricate way so frugality must encompass more than just money.
Amy used an example of people that collect things to the point of being a pack rat. Amy responds that these people aren’t being too frugal; rather their frugality is out of balance. Pack rats tend to expend energy moving piles of things to look for something wasting time and ultimately money since they end up going out and buying something they already have.
With the home improvement projects going on, my downstairs is a mess and very cluttered. I am expending all my time on painting and I can tell you that it has led to some frustration as I can’t find things as easily as I usually can. If I constantly lived with the clutter I am sure that I would not be saving money because I would be purchasing more stuff that I need and purchasing duplicate items.
Also because the pack rat has limited space (due to the items they have collected), they don’t have space to stock up on great grocery deals.
The bottom line is that the pack rat’s quality of life is diminished.
In contrast to the pack rat a successful frugal person constantly monitors how much is stored, never keeping more than the maximum amount of bread bags and Styrofoam trays that are needed at one time.
Pack-ratting with organization and precision is a huge money saver, especially when more valuable things are stored away. Having a just right amount of clothing stored up for the children, lumber, hardware and non perishable foods are examples of good pack ratting.
The non frugal person can have a life out of balance by working hard for something such as a boat but rarely getting the time to use it.
Amy has observed the frugal and the non frugal person and she said that this lack of balance is “usually indicated by an expression of unhappiness or frustration about some aspect of their lives – when they complain about not being able to pay bills but aren’t making adjustments in their habits. Regardless of their spending style, I don’t worry about people when they and their families are clearly happy with the choices they have made.”
“Because we all have different amounts of money, time, space and personal energy and different ideas about what constitutes quality of life we each must find our own frugal balance.”
PAGE 182 – WHEN TO USE A COUPON
Amy made up a list of products and she assigned each one a price that a product must be for her to buy it. For example for a cake mix it must be only 2 cents per ounce, baked beans is 1 cent per ounce, Italian salad dressing is 3 cents per ounce, onion soup mix is 33 cents per ounce and so on. (Again, these are 1995 prices.)
If the store bought item with a coupon is the same or less than the amount that she has assigned a product, then she will use the coupon and buy the item. She compares her costs to homemade, store brand and national brand.
I think it is a good idea to always have a “buy” amount assigned to your most frequently bought grocery items. For example, for me I will pay no more than 99 cents for a jar of peanut butter. When it gets that low, I stock up.
Also when I use coupons if a store brand is quite a bit cheaper, I will choose to buy it over using a coupon with a national brand. In our area there are no double coupon grocery stores so many times a store brand will be cheaper.
I won’t be blogging about the Tightwad Gazette for a few days as I am one week away from a Graduation party and I have a lot to do. I will be posting bits and pieces on the blog but will reserve a Tightwad Gazette reading for after the Graduation party.
In the meantime I want to tell everyone that I haven’t been able to respond to your comments, but I thoroughly enjoy what you have to say. Now I need to get some sleep. Have a great evening/morning depending on where you live. Take care.
Today Amy will discuss a big component to her living a frugal/tightwad lifestyle and that is the Pantry Principle. If you have been a reader of my blog, you know that I embrace the Pantry Principle as a big part of my life.
Did anyone make muffins from the Create a Muffin recipe? I would love to hear from you.
Well, let's get down to today's reading.
PAGE 167 - TIP ONE – LUMP IT AND LIKE IT
A reader wrote in to say that sometimes she only needs 1/2 lb. of ground meat or two chicken legs and she doesn’t like to freeze them in large hard to divide lumps. She takes a bread bag and puts a small amount of meat in the bottom of the bag, ties it off with a twist tie and then continues moving all the way up the bag. Just snip off the portion that you need.
Be sure to turn the bread bag inside out as I read somewhere that the paint on the outside of the bag is toxic.
PAGE 172 – THE PANTRY PRINCIPLE
Amy begins this article by telling that many people admonish others that if they want to save money they need to make up a menu plan for 30 days. At the very least, people will tell you that you should plan meals 1 week in advance working with the grocery sales for that week. I know there are women who really feel that this is the way to go, but Amy prefers a different way to feed her family. Do what works for you.
Amy feels that planning your meals entirely in advance is backward. You should never decide first what you want to eat and then go out and buy the food for the following reasons.
1. Your predetermined plan will not coincide with what’s on sale;
2. Stick to your list thinking doesn’t allow you to take advantage of the unadvertised deals; and
3. During the course of your long range menu plan you may discover you need to use up a perishable or clean out the leftovers from your crammed freezer.
Amy goes on to say that long range planning probably evolved as a solution for the individual who went to the grocery store several times a week or went out to eat all the time. If that is the case, they would have saved money over what they had previously done.
Amy advocates the Pantry Principle over the above methods as the way to save the most on groceries and in feeding your family.
“The basic premise is that you stockpile your pantry (and/or kitchen, freezer, basement, closet and/or the space under your bed) with food purchased at the lowest possible price. The sole purpose of grocery shopping becomes replenishing your pantry, not buying ingredients to prepare specific meals.”
The pantry principle means scanning the sales flyers each week for good deals, and then buying in quantity when those good deals roll around. When you see a good deal, look at what you have on hand and decide how much to buy. Amy said that even if they have 20 lbs. of flour on hand, she will go ahead and purchase flour if the price is right. Me too. If properly stored, it will keep just fine.
Amy goes on to say that this way of buying groceries is not just for large families, but for singles also.
Amy also stockpiles larger quantities of food that go on sale less frequently. As time goes on you will get to know what those items are. Sometimes they make a mistake and run out of an item, such as chicken, but they don’t run out and pay full price for chicken, they wait for a sale and eat other sale purchased meats instead.
The whole goal to the pantry principle is to stock up on sale items with a goal of having a full pantry/freezer. When that is accomplished you will then make up your meals from the pantry/freezer and replenish as needed.
I shop once a week for my main groceries and shop as needed for fresh produce and milk. As I have said in other articles, I walk past two grocery stores on my way to work out at Curves each day, so it is easy to stop in and pick up some bananas or milk or whatever I need. Also, I’m not tempted to pick up more than I need since I can’t carry a whole bunch of stuff home with my workout bag.
After Amy and her family have finished eating their evening meal, she decides what they will have to eat the following evening. While her husband helps her clean up the kitchen, she will take out meat from the freezer to thaw in the fridge or she will put some beans in water to soak overnight. Thawing foods in advance means she can also put food in the Crockpot in the morning.
As a final note Amy said that this whole concept of stocking up when items are on sale applies to other areas of the frugal life. For example she shops garage sales in the summer for clothing that will be needed later on in the year. She also shops at garage sales for anything that she will need to replace throughout the year such as sneakers, backpacks and lunch boxes.
Because she has implemented the pantry principle in all areas of her life, when they need something they just go shopping in their attic.
I believe in this philosophy whole heartedly. That is why you will never see a weekly menu plan on my blog. I always decide what to have for dinner the next evening while I am cleaning up supper that evening. Tonight we had a chuck roast, seasoned rice, green beans and ice cream. I have enough roast for tomorrow night but only enough of the rice and beans for 1 person. I also have 1 cooked potato in the fridge. Tomorrow I will heat up the rice, fry the potato and heat up some additional green beans. This will ensure that we will have a nice meal tomorrow night but won’t have any additional leftovers.
I try very hard to make just enough to go with the leftovers to be eaten at that meal. I never want to keep producing leftovers from leftovers.
I watched a documentary this weekend in which a town in Ohio was losing a major industry that employed thousands of people. One woman that was interviewed said that she was stockpiling food while her husband still had his job so that they would be able to eat while he was collecting an unemployment check. This is an excellent idea. It’s great to have a monetary emergency fund, but having a great supply of food (3 months or more) on hand will help to make an unemployment check stretch further.
I have posted my grocery savings in a while. I will have to get that done this week. We keep eating out of the pantry and freezer and have been doing so since March and it has saved us quite a bit of money. So, I guess you could say that I am totally sold on the Pantry Principle.
For tomorrow read pages 179 through 185. One of the articles in tomorrow’s reading is entitled “The Frugal Balance.” Which is pretty interesting.
As a warning, I am finishing up painting my living room this week as we have my son’s graduation party on May 20th. My goal is to finish the living room this week and then start cleaning next week and getting ready for the party. I’m feeling a little time constrained as I also plan on making the buns for the party. So, if I am short on time, I may have to post every other day for the next 10 days.
Today is Saturday and I had the luxury of sleeping in. I’ve not been getting enough sleep lately. I’ve been staying up late and then getting up early. Sleeping in today was just what I needed. The weather is beautiful and even though I spent a portion of the day painting, I also spent some time sitting on the back porch watching the neighbor children ride their bikes.
I also treated myself today by spending some birthday money on some new Capri’s and some Bermuda shorts. I have had the money for over two months and for me to not spend it is a testament to my new way of life. I was waiting for a great sale and it was well worth the wait.
Enough about me, let’s get on to Amy Dacyczyn and the wonderful information we can glean from her book the Tightwad Gazette II.
PAGE 157 – TIP ONE – OLD COMPACT BRUSHES
Give to children to use for paint brushes or trim the brushes to use for stenciling.
PAGE 157 – TIP TWO - A DEAD UMBRELLA
Remove the fabric so you have the “skeleton” remaining. Then you can hang it upside down to use to hang lightweight items on to dry.
PAGE 157 – TIP THREE – A FROZEN JUICE CAN LID
Use to place under your kick stand when you park your bike in a sandy area. You could glue a heavy duty magnet to the juice lid and then attach it to the bike somewhere so that it is ready to be used.
PAGE 160 – TIP FOUR - A DEAL TO DYE FOR
When you are going to replace your eye glasses but the prescription hasn’t changed, for a small fee you can have the lenses “dyed” for sunglasses. I have done this in the past and only once did it not turn out well. Sometimes the dye does not take well to the older lenses, but when it works it is a cheap way to get prescription sunglasses.
PAGE 162 – TIP FIVE – CHEAP AND DIRTY
A reader wrote in to say that he needed some dirt to fill a hole in his yard. This reader thought and thought and he decided to call the local cemetery and they had dirt that he could haul away for free.
PAGE 164 – CREATE BREAKFAST MUFFIN
Amy never was one to fill her books with recipes as she said “blindly following recipes won’t help you save the maximum amount on your food bill.” Instead Amy has created recipes from what she has on hand. So instead of Amy giving recipes for muffins, she gives the information or process on how to create your own muffins from what you have on hand.
Here is the basic recipe to create your own muffins.
2 to 1/2 cups grain
1 cup milk
Up to 1/4 cup fat
1 egg
Up to 1/2 cup sweetener
2 teaspoons baking powder
1/2 teaspoon salt
Up to 1 1/2 cups additions
The quantities listed are for a single batch of 12 muffins. To make the muffins combine the dry ingredients and then mix in the wet ingredients until just combined; the batter should be lumpy. Grease muffin tin and fill cups two thirds full. Bake in a preheated oven at 400 degrees for 20 minutes (give or take 5 minutes).
Grain: Use 2 to 2 1/2 cups of white flour. Or substitute oatmeal, cornmeal, whole wheat flour, rye flour, or flake cereal for 1 cup of the white flour. Or substitute 1 cup leftover cooked oatmeal, rice, or cornmeal for 1/2 cup of the white flour and decrease liquid to 1/2 cup.
Milk: Use 1 cup. Or substitute buttermilk or sour milk (add a tablespoon of vinegar to 1 cup milk). Or substitute fruit juice for part or all of the milk.
Fat: Use 1/4 cup vegetable oil or 4 tablespoons melted butter or margarine. Or substitute crunchy or regular peanut butter for part or all of the fat. The fat can be reduced or omitted with fair results if using a “wet addition.”
Egg: Use 1 egg. Or substitute 1 heaping tablespoon of soy flour and 1 tablespoon of water. If using a cooked grain, separate the egg, add the yolk to the batter, beat the white until stiff, and fold into the batter.
Sweetener: Use between 2 tablespoons and 1/2 cup sugar. Or substitute up to 3/4 cup brown sugar. Or substitute up to 1/2 cup honey or molasses (I substitute sorghum for the molasses in my recipes as it is cheaper), and decrease milk to 3/4 cup.
Baking Powder: Use 2 teaspoons. If using whole or cooked grains or more than 1 cup of additions, increase to 3 teaspoons. If using buttermilk or sour milk, decrease to 1 teaspoon and add 1/2 teaspoon baking soda.
Salt: Use 1/2 teaspoon, or omit if you have a salt-restricted diet.
The following ingredients are optional. Additions can be used in any combination, up to 1 1/2 cups total. If using more than 1 cup of wet additions, decrease the milk to 1/2 cup.
Dry Additions: Nuts, sunflower seeds, raisins, coconut and so on.
Moist Additions: Blueberries, chopped apple, freshly shredded zucchini, shredded carrot, and so on.
Wet Additions: Pumpkin puree, applesauce; mashed, cooked sweet potato; mashed banana; mashed, cooked carrot, and so on. If using 1/2 cup drained, canned fruit or thawed shredded zucchini, substitute the syrup or zucchini liquid for all or part of the milk.
Spices: Use spices that complement the additions, such as 1 teaspoon cinnamon with 1/4 teaspoon nutmeg or cloves. Try 2 teaspoons grated orange or lemon peel.
Jellies and Jam: Fill cups half full with a plain batter. Add 1 teaspoon jam or jelly and top with 2 more tablespoons of batter.
Topping: Sprinkle cinnamon sugar on the batter in the tins.
Nonsweet Combinations: Use only 2 tablespoons sugar and no fruit. Add combinations of the following: 1/2 cup shredded cheese, 3 strips fried and crumbled bacon, 2 tablespoons grated onion, 1/2 cup shredded zucchini, 2 tablespoons Parmesan cheese. Spices could include a teaspoon of parsley and a pinch of marjoram.
This may seem complicated at first but as you bake a few batches you will get the hang of it.
I use leftover cereal such as grapenuts, bran flakes, raisin bran and even shredded wheat in this recipe. I have also used leftover cooked carrots in this recipe. I mashed them and made them into a cinnamon spice type muffin. When you have some leftover odds and ends you will find that you can come up with a really great concoction. In fact you may want to keep track of what you do create so that if you end up with a “great hit” you will want to make it again.
For Monday May 9th, let’s read pages 167 through 176. In this reading Amy covers the “Pantry Principle.”
Today we discover which chili is the cheapest. Also Amy analyzes using a bread machine versus baking hand kneaded bread.
PAGE 149 – WHIP UP A WALKWAY
A reader wrote in to say that she wanted a few stepping stones for her yard but they were expensive. So she bought a bag of concrete mix and a cheap plastic 5 gallon bucket. The bucket was wider at the top than at the bottom. The reader mixed the concrete right in the bucket to a 2 inch level.
She let it set for awhile and while it was still wet, she pressed in aggregate stone (or you can imprint a design such as a child’s hand or foot). Mist frequently with a water sprayer to keep the concrete from cracking. After two or three days, turn the stone out gently onto soft ground, so as not to break it.
I have seen kits that contain the concrete mix and a few stones and these kits are quite expensive. Other things you can do to decorate the stones is to decorate the stones with marbles or mosaic tiles. This would be a wonderful gift for a mom or grandmother.
PAGE 150 - BASKET CASE
This reader wrote in to say that they had two cats and they were moving from Massachusetts to Pennsylvania. They needed a cat carrier but they were too expensive. So this reader took two similar laundry hampers and flipped one basket over the other. Then he took bolts and fastened them together in back. He tied them securely in the front. Once the move was over he was able to use the baskets as laundry baskets.
We did this several years ago when we were driving from Iowa to Ohio to visit my in laws. We took our cat with us. It worked perfectly and we saved money by not having to get a cat carrier (nor to pay for boarding).
PAGE 152 – THE CHILI CHART
Amy did a comparison to see how much chili would cost if you bought it at a restaurant, purchased it canned, made homemade with expensive store bought items, made homemade with dried beans and hamburger, made homemade with homegrown vegetables and TVP down to using dumpster dived canned chili.
Well, obviously the dumpster dived canned chili was free so it was the cheapest. A canned national brand chili was more expensive than if you bought chili at Wendy’s.
It’s well worth the time to make chili from dried beans. But the cheapest chili (except for the dumpster dived) was chili made with TVP and dried beans. A little more expensive was chili made with dried beans and hamburger.
I find that chili supplies go on sale in the late fall so I stock up on canned diced tomatoes, canned chili beans and tomato sauce. I buy enough to last me until the following year. Chili is one of those concoctions that you can make with a lot of meat, a little meat or with no meat. I have made chili with ground beef, ground pork or ground turkey and have loved each batch.
We serve chili with garlic bread or toasted cheese sandwiches. I have also served it topped with grated cheese and used corn chips as a dipper into the chili.
PAGE 153 – ARE BREAD MACHINES A GOOD VALUE?
Yes bread machines are convenient as they make one loaf at a time and all you have to do is push a button and it mixes, kneads and bakes the dough. You don’t even have to be home while it bakes the bread.
Amy looked at the time aspect first. Amy and her staff borrowed several bread machines. It took less than 5 minutes to add the ingredients to the bread machine and that was it. But it only makes 1 loaf. Also a bread machine can take up quite a bit of space on your counter.
In contrast using the hand knead method you can bake four loaves at a time. Of course you have to be around for a few hours while the bread rises and bakes.
Amy also talked about a gizmo called a bread bucket. It is a manual hand cranked bucket that when you turn the crank it kneads the bread dough. Evidently they have been around for years.
This is how her tests ended up with the cost analysis (remember this was 1995). The cost of a store bought loaf of bread was $1.49, frozen bread dough was 69 cents, thrift store was 57 cents, homemade was 27 cents and bread machine bread was 26 cents a loaf.
In the end Amy concluded that a bread machine was neither a time saver nor a big money saver. With a little planning, traditional bread making can fit into a busy life as easily as the bread machine method per Amy.
Baking bread is not essential to the tightwad lifestyle. Amy and her family were able to purchase very high quality bread at a bakery thrift shop for the times when life was too hectic for baking homemade bread.
I have a bread machine that has sat on a basement shelf for a few years. I prefer to make my homemade bread, three loaves at a time, and then freeze the loaves. I keep thinking that someday I will resurrect the bread machine for those busy times, but I keep forgetting about it. I love to knead bread dough. I could use the dough attachment on my Kitchen Aid mixer, but I prefer (and enjoy) to do it by hand.
Bread machines have been on the market for a very long time now and if you want one, I would search at garage sales for one. When I was working I did enjoy using my bread machine. There was something about coming home from work to the smell of fresh bread.
Baking bread from scratch does not appeal to everyone. So if you have a bread machine or find one at a garage sale, by all means use it as often as you can to make your own bread. I would avoid buying those expensive bread machine mixes. For the price of one mix you could buy a lot of the basic supplies for baking the bread using a recipe.
For tomorrow’s reading, read pages 157 through 166. In this section is in my opinion one of the most interesting articles that Amy ever wrote. It is called “Create a Breakfast Muffin” and she gives you what you need to know to create your own muffins from what you have on hand.
It’s almost 11:00 p.m. and I’m tired from painting today so let’s just get right to the Tightwad Gazette II reading for today. All of this information comes from the Tightwad Gazette II written by Amy Dacyczyn. I have underlined my comments.
PAGE 139 – USE IT OR LOSE IT
Amy talks about how you use up all that you have canned and frozen from your garden but make what you have last until next year’s harvest? You want to make it last, but you don’t want to have a surplus from last year still on the shelf as you are canning this year’s produce.
Home canned goods can last a couple of years on the shelf, but frozen vegetables tend to taste like the freezer after one year.
Usually gardeners will end up in the spring with 10 cans of 1 item and 2 of another so then the family eats a lot of one item while they are out of almost everything else. No one wants to eat corn 4 times a week.
Amy said that if she did use the garden produce evenly throughout the year, her food bill would fluctuate greatly. So she created her own system for keeping track of home processed foods. Since in her area of the country vegetables are harvested from June to October, she would schedule vegetables accordingly. She also wanted a system that would schedule canned and frozen food consumption together as opposed to a notebook by her freezer and another notebook in the canned goods area of her cellar.
The first thing Amy did was take inventory of everything in her freezer and on her canning shelves. Then she made up a timeline calendar. On the left side she would list vertically the items in her freezer and on her canning shelves. Examples are applesauce, green beans, black berries, pears, spinach and so on. Then across the top she would write vertically the Months.
April May June
Green Beans X X X X X X X X
Noting the projected date of the harvest, she divided the number of items by the number of remaining months. For example if she had 20 packages of spinach to consume in four months, she would need to use up 5 packages in each of those four months. She marks these in X’s on the chart.
Months of light consumption should be used in the summer months when you will be eating fresh produce from the garden. If you have a small garden, you might want to use the winter months to use the bulk of your home processed foods as that is when those items are most expensive at the grocery store.
When Amy uses something she places a circle around the X.
Amy ends this article with “This garden schedule illustrates a larger point. If you lack control over any area of your life, be it time, money, or other resources – design a system to manage it. Order will save you stress as well as money.”
I love her system and I think I will integrate this into the one I already have. I don’t garden, but I have a stockpile of food that I am constantly keeping track of. For example, I am diligent about using up canned goods before their expiration dates. I review my list to see what needs to be used up each month so that there are no surprises.
After I am done with the graduation party and graduation this month, I am going to do some major decluttering in my house so that I can be more organized. I am looking forward to it.
PAGE 141 – SAVE THOSE SEEDS
“A dilemma that faces gardeners each year is whether to buy new seeds or take a chance on seeds left over from last year. Many gardeners, believing that seeds become much less viable each year, toss out all of the leftovers and buy a new batch just to be sure.”
According to “The Year Round Gardener” only onion seeds need to be purchased fresh each year. Here is the average storage limit of seeds:
One to Two years – corn, lettuce, parsley and parsnips
Three to Five years – asparagus, beans, cabbage, carrots, celery, chicory, endive, okra, peas, peppers, radishes and spinach.
Five or more years – beets, cucumbers and tomatoes
It is recommended that you store seeds in airtight containers in a refrigerator. If you don’t have the space in a refrigerator, store them in a cool, dry place.
If you aren’t sure about the seeds, you can do your own germination test a few weeks before planting. Sandwich ten seeds in a paper towel and keep it moist. If at least seven sprout, your seeds are as viable as new ones.
PAGE 142 BUDGET PHILOSOPHY
Amy believes that every family should have a basic budget plan, but that plan should be extremely simple and flexible. Filling out a lot of forms each day, week or month can be a little tedious.
1. Figure out your average monthly fixed expenses. Any bills that occurred annually were divided by 12 so that they could set aside the money each month.
2. Figure out your average monthly non-fixed expenses.
At this point they had accounted for every expense they could anticipate. If your monthly income fluctuates wildly, base it on last year’s income divided by 12, and put a huge amount into savings in case your income goes down next year.
After Amy and her husband had worked out their expenses and income, they figured that they had about $500 a month surplus or 20% of her husband’s income. If this amount would have been 10% or less, they would have done some refiguring of the nonfixed expenses so that they had at least a 20% monthly surplus.
It may be difficult to do, but in order to cut back and have more of a surplus, you need to cut back on those nonfixed expenses such as food, eating out, entertainment, gasoline, haircuts and more.
Amy and her husband wrote down everything they spent so that they could be sure to stay on track and not overspend. Amy sees a budget as a beginning point. Instead of looking at what you can spend, look at what you can reduce to save. She recommends lowering each budget area until you reach a point where it no longer feels comfortable, and then spend slightly more.
Amy and her husband kept a base sum of $1,000 in their checking account. Because they sought to spend as little as possible, the checking account grew. When the account reached $1,500, they would transfer $500 into savings. When their savings grew to $3,500 they would transfer $1,000 into an investment or pay off a debt.
One question that Amy was asked all the time was how they handled emergencies. She plans her budget to include any emergencies you can anticipate. If you drive an old car, plan on spending $1,000 or more with today’s prices, on repairs.
“By deliberately living beneath our means we have always, I repeat, always, had enough money in savings for unexpected expenses. And because we always worked to save more than we had budgeted, even with emergencies, we saved an average of 21 percent of our income for seven years.”
Amy ends the article by saying that this is the system that has worked for them but everyone is different when it comes to money. “For those with low incomes or little discipline, a more complicated and tedious system may be essential.”
PAGE 144 – DARE TO DUMPSTER DIVE
Amy read a book about dumpster diving and did some research. She profiled one dumpster diver who dives for everything including his food. For food he chooses to look in dumpsters at grocery stores and bakeries. About 50% of the food he eats comes from dumpsters.
I remember watching a documentary about two months ago in which a woman gets all of her food from dumpsters. She lives in New York City and she takes people on dumpster tours to find food. When they went in one dumpster there were wrapped packages of produce, meat, cheese, bagels and more. I remember that she knew when the grocery stores or restaurants tossed things out so she could get to the dumpster shortly after. She was living the Freegan lifestyle.
The man that Amy profiled found a lot of things in dumpsters such as manila envelopes, clothing, clothes hangers, furnishings, boxes, houseplants, Christmas decorations, toiletry items, books, magazines and more.
Wear old clothes when you go dumpster diving, but do try to stay out of the dumpster all together. Use a broom handle or something similar to pick around the contents of the dumpster.
I have never dumpster dived, but I have driven by grocery stores late at night to see them throwing out loaves of bread and things. I never think about getting the items out of that dumpster, but I think about why they don’t donate those items to the food bank.
If anything, the contents of dumpsters or our garbage cans tell us how much we throw out. If we don’t have a use, out it goes. Instead we should try to give things away or donate them to someone who could use them. And as for food, we need to plan for those leftovers so we aren’t throwing out so much food.
For tomorrow, read pages 147 through 156.
