Helping College Students

Yesterday I went through our “coat” closet and looked at all of the sweatshirts and fleece jackets that we owned. I pulled out all of the hooded sweatshirts and jackets that I felt we no longer wore. I left them out on our dining room table so that my husband and son could look them over and make the final decision.

Today I took those items to our local United Way office to donate. These items didn’t fit into their “winter coat drive” needs but they had a “free” table set up for anyone to come and look over and take what they needed. So I was also able to donate a large slightly used backpack along with three zippered school notebooks that had little wear at all.

The table didn’t have a lot of items on it and I hope that someone will walk into the United Way office and will find a “treasure” on that table and take it home.

I appreciate Goodwill and other thrift stores in town, but what happens when you basically have no money for even these stores? We are doing fine financially now and by that I mean that that because of living frugally and getting debt paid down, we are able to have some wiggle room in our monthly budget. I can honestly say that wiggle room is good.

Even though there have been times in our marriage when we have had very, very little money to live on, I was always able to come up with a couple of dollars to take to Goodwill or a garage sale to find a much needed clothing item. However I am aware that this is not the case for a lot of people, namely college students.

We have a college located in our community and I have become friends with a few of the students. College is expensive and when you can only get a 5 to 9 hour a week work study job, you end up living on very, very little money. When I was in college I had very little “spending” money. Spending money was for toiletries, laundry and any other possible necessities. I got $10 a week and that was horrendous to try to live on even back in 1979.

To save money I would wash my clothes and hang them up to dry. Sometimes I would handwash all my clothes and wring them out and hang them to dry around my dorm room. I had to plan ahead as it took longer to dry. Books were always purchased used. I don't think I bought hardly any clothes when I was in college. Everything had to last and when it came to toiletries, I had to make sure I got as much as I could from the shampoo and deoderant I bought. I remember laying awake and worrying about where I would get the money to pay for tuition and my living expenses.

I remember one time when my shoes were wearing through so much that my feet got wet walking through the rain or snow. I borrowed money from my roommate to go to K-mart to buy some cheap shoes and then I paid her back as I got some money. It’s a horrible feeling to go to college away from home and spend money on tuition and such, try to study so you get good grades to keep up your scholarship and then to also have to worry about money for basic necessities.

It is also a lonely feeling.

That is why I am drawn to helping college students. I was there one time and I want to pay it forward to help others. I can’t take away all of their money problems and frankly, we all need to go through the hard times in order to understand the good times. However, I can take the edge off.

So, if you know of a college student, do what you can to help them out even if it is simply a package of homemade cookies sent to them in the mail. The emotional support is just as important as a monetary gift.

Super Easy Baked Cavatelli

I help with cooking the youth group meals each week and I wanted to share with you this simple and easy recipe for baked cavatelli.  This goes over so well with the youth group.  They really love it and I love making it because it is so easy.

Baked Cavatelli

2 cups UNCOOKED rotini pasta
1 lb. ground beef, browned and drained
1 - 16 oz. can diced tomatoes
1 jar spaghetti sauce
Italian Seasoning
1 - 8 oz. bag shredded mozzarella
Pepperoni pieces (optional)

Mix the UNCOOKED rotini pasta, ground beef, tomatoes and spaghetti sauce.  Add about 1/2 cup water.  Add pepperoni pieces if desired.  Pour into a 9 x 13 inch pan.  Sprinkle with italian seasoning.  Cover tightly with foil and bake at 350 degrees for 1 1/4 hours.  Top with the cheese and bake another 15 minutes until cheese is melted and pasta is tender. 

I am making this on Sunday for our youth group and I will be donating the food from my pantry and freezer.  I need to put together 6 pans and here is what I am calculating this will cost per pan.

1 lb. Boxes of rotini pasta purchased @ 69 cents
Jars of spaghetti sauce @ 75 cents
Mozzarella cheese @ $1.00
Diced tomatoes @ 33 cents
1 lb. Hamburger purchased @ 80 cents (BIG sale in February of this year)

Add this up and you can see how little each pan will cost.  This is why I shop sales and use coupons, not only for myself but so that I can also save our church money. 

I will add to this day old loaves of italian bread purchased for around 90 cents each and we will have apple slices (apples already donated by someone) and ice cream (donated also).  The only thing the church will need to purchase will be 2 gallons of milk and the bread.  This will serve around 40 people. 

So, again, when you shop sales and get great deals, think about how you can donate some of those items perhaps to your church for meals or to a food pantry or other charity. 

I'm making this up as I go.

I'm making this up as I go.

I love the Indiana Jones movies and this is my favorite phrase from the first movie.  I’ve been using that phrase a lot lately as I am volunteering part-time at my church. 

Last July I felt it was time that I stepped up to the plate so to speak and give more time in service to my church.  I knew that this meant that I needed to make sure wherever I served, it was in an area that I was gifted in and that I enjoyed.  That does not mean that I don’t also do the tasks at church that are just plain needed and whether gifted or not, helping with cleaning up after a meal is just as important as planning an event.

I’m still trying to find the balance between my volunteer work and my responsibilities at home.   The past two weeks have been quite busy – mostly with getting our new dog Buddy used to his new home.  He’s thriving and we love him.  And my house has gotten messy AND horror of horrors – I have not done a good job of making up a grocery list.  Thankfully I still have quite a stocked pantry and freezer so I only need the basics.  It’s just that I keep going back to the store for the basics.  Why do I always forget the simple things like milk? 

Well I now keep that ever present piece of paper on the front of the refrigerator for my list.  Actually I have two.  One is for things we need from the store and one is for the things I think of that need done.  At least if both are attached to the fridge I won’t lose them.  Then I can take the to do list and put it in my planner.  I am always remembering things throughout the day and it is easier to quickly write them down on a piece of paper and then to sort those tasks out in the evening and put them in my planner.   

I love being busy doing things I love to do and giving my time to my church is something I love to do.  However, I love my home and domestic life just as much so it is important to find the balance between the two.  I am determined to keep the balance and most importantly to be careful and not let busyness get in the way of overspending on my budget.

What do you do to keep everything on track when life gets busy?

Church Mom's Group

Yesterday I spoke at a mom's group called MomShine about living on one income and frugality.  As I gazed over the young moms that were there it took me back to the time when I was mom to a young son.  You never forget what it feels like to hold your baby for the first time, to take him home and then realize you know "squat" about caring for a newborn. 

Then fast forward a few years to when you have your next child and you are an old pro, or at least you think you are, until you realize that their personality is completely different than your first born. Everything you learned from the first child has to be tweaked in order to raise the second one. 

Yes, these moms were in the midst of having very young children at home.   I remember what it was like to try to get one ready to leave the house much less 2 or 3 at the same time, under the age of 5. 

So, I hope I didn't overwhelm some of these moms with frugal tips about saving money on groceries.  I still believe it is the first place to look to in order to save money.  I also hope they got my message about not trying to do all of the money saving tips at once.  And that who cares if your friend or neighbor has granite countertops.  Does it really matter that you have old laminate ones?  In the end I hope they got the message that saving money and getting out of debt means freedom to have choices.

I like having choices.

Reining it all In and making new goals

I am reining in my unnecessary spending.  Yes I have spent money over the past month that I shouldn't have.  Time to get back on track and make some new financial goals. 

1.  Make a list and go to Wal-mart once a week.  I've been disorganized and this has led to my going to Wal-mart one too many times and picking up a few impulse purchases along the way.  Enough said here.

2.  Grocery spending.  Make up menus to use up what is in the freezer and save the balance of my budgeted grocery money.

3.  Save money towards a semi-private vinyl fence for our yard to be installed next summer.

Along with these new goals are the old ones of paying off debt by March 2012, putting money into savings each month along with paying off the mortgage as soon as we can.

I have some other goals that I have made that are things I want to do.

1.  Go bungee jumping - NOT!!!!  I want to learn to make soap.  This is something I have always wanted to do.  There is something about using lye that kind of freaks me out, but as I have read and watched the tutorials I know I can do it.  It is just finding the time.

2.  Learn to sew some vintage clothes from the Edwardian/Titantic era.  Next to making soap, this is something I want to do.  It will mean I need to practice my sewing skills so I can actually accomplish some more difficult techniques. 

3.  Learn to knit on the round knitting looms I bought.

I see so many people make financial goals and that's great.  In the quest to quit spending excessively and to pay things down, don't forget the fun goals that you can make.  Is there something that you want to learn to do, but never made the time?  Many of the things that I want to do won't cost much money.   

There's something gratifying about working on financial goals while also learning to do something new.  If you are facing a mountain of debt that will take you a long time to dig out of, the worst thing you can do is to be totally obsessed by it and think of nothing else.  Make your financial plan and goals and stick with it.   While you should take getting out of debt serious, there is no reason you can't also bring joy to your life by learning to do something new.  It makes your life interesting.

No, not Peanut Butter too!!

Due to the drought in the southern states, the peanut crop has not done well at all which means peanut products will be going up in prices an estimated 40%.

My husband has peanut butter on a bagel every morning and I love crunchy peanut butter granola bars for breakfast.  I even make homemade dog treats that contain peanut butter.  Peanut butter is a staple for a lot of people.  I'm not going to go into the good and bad of regular peanut butter versus natural peanut butter.  The fact is it is a good source of protein for many people.

I have several jars in my pantry that I purchased for 99 cents a jar over the spring and summer.  Now I wish I would have purchased more.  Perhaps I should pay attention to what is an actual serving size of peanut butter so it will last longer.  Then again I should do this with all food.  For peanut butter a serving size is 2 tablespoons.  I know that we spread more than that on piece of bread or bagel slice.  So with everything pay attention to the exact serving sizes.

When I was a child I remember that peanut butter was one of the things that our family would receive in the commodity program.  When my father was out of work we would get some food from the government commodity program.  I remember peanut butter came in a large institutional can and I thought that was kinda "cool" as peanut butter in the store came in a jar. 

This week has been a week of excess spending because we adopted Buddy our new dog and had as of yesterday $238.00 in veterinary expenses.  The dog may have been free, but the upkeep and maintenance isn't.  Now that Buddy is in our family we will budget his expenses as we have with other pets.

Buddy is a gentle, wonderful dog and it just seems that him being  part of our family was meant to be.  With the addition of a new pet there comes new routines and more time has been spent getting Buddy used to his new home.  Also, there is the training.  Fortunately Buddy is housebroken but not leash trained so I am spending more of my time to get him leash trained so that I will be able to walk him without him straining at the leash. 

Buddy will be my new exercise partner as our older dog, Griffey, doesn't walk very fast due to her age.  She kind of lumbers along and I doubt that I burn 10 calories if that when I walk her.  But old dog or not, Griffey enjoys and savors her daily walks no matter how long it takes her.  Perhaps this is something we as human beings can learn from our pets - to savor the small things such as a slow lumbersome walk on a cool fall day. 

Rescuing a Dog

Someone dumped this dog in front of our house yesterday.

Buddy

Today he became ours.

He is part Boxer and part Coon Hound.  It was not a frugal day.  The vet bill was close to $200 but he is a sweety.  We had been talking about getting another dog for a long time and I have always wanted a Boxer. 

He's a keeper.