9/04/2008

Saving Money in the Kitchen


I’m sure we are not the only family out there that is feeling the sting of the raising food prices. When we made the decision a little over a year ago for me to become a stay at home mom we did so by looking at our expenses vs. our income. Well, sitting here at my computer a year later looking at our budget I have to say that our expenses are going up faster then our income. What is a mom to do?

Well, this mom is putting on her creative thinking cap. Here are some things that I’ve done to help us stretch our food budget.

Buy a deep freeze- So this first one might make you scratch your head. Our deep freezer has been our best investment. You can go two routes to keep the cost down. First, you could buy a used one. They usually go cheap. We just sold an old one for $50 and it was the biggest one they make. Or you can buy a new one that is small. We use a small one and it takes up very little space but holds a ton. It also costs very little to run and allows us to stock up when things are on sale.

Buy local fruits and veggies- If you are blessed with local orchards and “food” farms, then take advantage! By buying directly from the farmer you can save some on the mark-up cost. Before you go to the farm call around to all of them and find out who has the best prices. Some farms will save you a few pennies others will save you almost half the cost. While you are there ask if they sell seconds. Those who do will not advertise it but will sell them to you. Those are by far the best deals! Who cares of the apples have flawed skins if you are going to be making apple sauce out of it?

Buy bulk- Take advantage of bulk discounts. Find a true bulk food store and really compare prices closely to make sure you are saving by doing this. I actually drive a little over an hour to a bulk food store in an Amish community. There I save well more then what I spend in gas. And while I’m there in the summer I’ll swing by some of the roadside stands and pick up fresh veggies (like 50cents per pound of green beans). I only make this trip once every two months and buy enough for the two months. This does take some planning but in the end it really pays off.

Nothing goes to waste- Get creative! I had froze some peaches last fall and when I went to thaw them they were not firm. To slimy for my kids but tasted great. What to do? Make peach sherbet! I just pureed 2 thawed quart bags of peaches with 2 cups of sugar and then poured it into the ice cream maker. Just 45 minutes later we had a great dessert to share with family and friends.

Grow a garden- While the kids play outside get your hands dirty by growing a your own food. You will feel better from the exercise and sunshine and your budget stays in check.

Food preservation- Found that great deal on apples at a local orchard? Buy 5 bushels. Think I’m kidding? Oh no, I put up 5 bushels last fall and we just ran out. I make apple sauce, apple pie filling, and apple butter. We go through at least a quart a week of apple sauce so this really helped our budget.

There are lots of sites on line that talk about doing things to save money in the kitchen but I find most of them impractical with a little one at my side and another one on the hip. I hope that you have found mine to be both practical and wallet friendly.

Do you have some other practical kitchen advice? I’d love to hear it!

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9/03/2008

Taking the Sting Out of School Uniforms

As you may have noticed in the lunch box post, our daughter is heading off to Kindergarten next week. I have a lot of last minute things to do to prepare for her to leave the nest. One of them is mend school uniforms. You might be wondering why I would be doing this since this is our first year to have a child in a uniform.

Like usual, there is a frugal story behind it...

It all started at the end of last school year. The last week of school the school host's a used uniform sale for the parents to sell/buy their kid's uniforms. The sale does have a few rules. The clothes must meet the dress code, be clean and in good repair (no missing buttons, etc). I was able to score some nice uniforms for a good price, but not enough to get her through the school week. That is when I wondered, what happens to the "not in good repair" uniforms? The school gives them back to the parents that brought them to the sale.

What is a mom to do? I still needed some more uniform clothes, but I really had a hard time justifying the cost of the new ones from Land's End. That is when I had to make a very hard decision. Do I save every penny I can for a couple months and buy her brand new uniforms? Or do I swallow my pride and ask around to find the damaged uniforms? As frugal as I am it was a hard decision. My daughter attends a private (religious based) school. All the big names in the community send there kids there along with those of us who scrape together the funds to send our kids to our Church's school for the religious education and excellent academics. Will my child be looked at differently? I'd love to say that I decided to swallow my pride and called lots of people and asked around. But I was a little too chicken....

What really happened was that I was at a garage sale and recognized the lady as being a mom to one of the older girls at the school. So I asked her if she had uniforms left from the sale. She said the only ones she had were in need of some repair. Of course I told her that I would take a look at them if she could find them. The uniforms were in great shape but where missing some buttons. Very easy to repair. She also had a jumper that had a little hole/ pulled thread in the skirt part. In the end I bought a large sack of uniforms for a $1.00! She was happy to get rid of them and I was happy to not spend a small fortune in school clothes. It took me about an hour to repair all of the clothes and I used extra buttons and thread I already owned. I was even able to fix the hole in the jumper!

Who knows, maybe next year I'll be a little braver and ask around for damaged uniforms... or not.

What would you do? Have any of you done the same thing?

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9/02/2008

Extravagantly Frugal: Friends In High Places

Some time ago, we wrote about how living frugally does not necessarily mean that we're missing out on all the fun. Quite the contrary! Frugal living does not necessarily mean doing without. But you may have to look past the mainstream to find a cost effective solution. We thought it would be good to spend a little time expanding on some of these concepts individually.

Our next topic: Friends in high places.


Blame it all on my roots, I showed up to move, and what appliances we had, were crap. The last one to know, the last one to show, it was the last thing I thought I'd see there. Then I saw the surprise, and the fear in her eyes, when I went to plug in the fridge. "It's toasted too." I said, "Honey, it may be through, but you'll never hear me complain!" Because I've got friends in high places, and likely, so do you.

Wanting to live frugally is not necessarily an anti-stuff stance. Even Dave Ramsey will tell you that it's ok to have stuff so long as the stuff doesn't have you - referring to debt that so many take on in order to get the stuff. It's ok to have nice things, even extravagant things, just so long as you can pay for them - at the time of the purchase, in full. And may I recommend not paying retail while you're at it? If you only knew how much markup there is in some items, you'd swear off of retail. But how do you do that?

How do you get these great deals? Especially when you want / need it to be new and not used? Friends and family.

Unlike Garth, it's the ones in high places that help get us by when the chips are down.

  1. Cars - I have a relative that works for a Big Three automotive supplier. Not exactly a great business to be in at the moment (hopefully heading for a turnaround), but she's been there a long time and has the highest discount available to employees. Back when we thought we needed new cars (as opposed to buying used), we at least didn't pay retail for the stupid things.
  2. Appliances - As stated in the ballad above, our current house came complete with 20-40 year old appliances - each in varying states of distress. The dryer didn't stop, the washer leaked a bit. The fridge was likely to use as much power as 10 new ones, and the dishwasher... well there wasn't one! No distress on our part though. A friend had offered their employee discount with an appliance manufacturer and we took him up on that. Some came out to be 50% off of retail, while others, like the dishwasher we recently put in, came out to be around 80% off.
  3. Doors and Windows - One that we haven't needed yet, but once these 40 year old windows start to give out, we'll be calling another relative who works for a door and window manufacturer.
  4. Electronics - The first TV we bought as a married couple, while maybe being slightly more than we needed, came at a hefty discount. A friend was working for a big-box retailer at the time and had offered his family discount, and also explained what items had enough markup to make them worth while. We were always close, but on that day we were more than friends - he was my brother-in-law.
  5. Electronics - That friend thankfully left retail long ago for a real job that he enjoys. But I still have a hook-up from a cousin working for a small-box electronics retailer. He keeps telling me about deals on GPS units that I don't really need, but would be pretty sweet...
Sources like these are great, especially when they offer it up. If they haven't, broach the topic tactfully and don't automatically assume that even if they get a discount, that they would let you mooch off of it. Every company has different policies about this, and some folks would rather not open the flood gates. After all, if they gave you a discount, then why not others? Either way, always thank them profusely and have some social graces - make it worth their while. Doing this isn't necessarily as simple as it seems from your end, and kicking some of that savings back to your source wouldn't kill you would it?

What deals have you netted through your network of friends and family?

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9/01/2008

Carnivals / Festivals

Last week (running behind) we were included on five carnivals and festivals - a very busy week! On top of that, we hosted the Carnival of Money Stories on Tuesday. Lots of great posts there, so be sure not to miss that.

We are pleased to welcome all new readers, as well as new carnivals to Not the Jet Set. To find out more about us, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to check out our NtJS Cafepress shop!

On with the round up...

Carnival of Personal Finance: Is hosted by Broke Grad Student, recapping highlights of the Beijing Olympic games. It seems to us that some of the scoring systems in the Olympics need an overhaul, just like the US checking system. Here is an article that I enjoyed:
  • No Debt Plan solves a spending problem in their household. Her fault? His fault? You'll have to click through to find out!


Festival of Frugality: #140 is up at FIRE Finance with interesting frugal quotes. Included is our post on cutting out cable and a few options to keep you sane. My favorite post from the festival is:


Carnival of All Things Eco: #14 is up at Focus Organic and features our walk-through on making t-shirt bags. Here is some more eco goodness from the carnival:

Carnival of Money Stories: Was hosted right here! Be sure to check this out if you haven't already cured your post-Olympic hangover. Those making the podium in the synchronized blogging event were:

Make It From Scratch! Carnival
: Was hosted by Learning the Ropes and featured our tutorial on making reusable t-shirt bags. It's a big hit on Stumble, too.


Finance Fiesta: Was at Master Your Card this week with a theme that I can barely spell let alone pronounce - cut and paste is even having issues. Fear of the number 13, that's all you need to know. No fear of thieves, in our featured post about someone stealing my wife's debit card number. How did we come out? Also from this Fiesta:


Thanks for reading and thanks to all the hosts. Don't forget to tell your friends and subscribe to get updates via email or RSS.

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8/29/2008

ReUse It! Decoupaged Outlet Covers


Two weeks ago Mr. NtJS and I did some major work to our kitchen (that is another post all together). When I went to put the light plate and outlet covers back on I realized that they were no longer the right style for the kitchen. What to do? Break out the Mod Podge!

I decided that the best and cheapest way to dress up our light plates and outlet covers was to decoupage them with some fun paper. What I used was "The Very Hungry Caterpillar" book that I found at a garage sale for $0.25. The bright bold colors matched our new kitchen counter tops and wall colors perfectly.

We're posting this today so that you have this entire long weekend to funkify every switch plate in your house. Got them all removed? Good. Now let's go.

Cost: $5.00 or less.

Time: 5 minutes not including drying time.

Skill Level: Beginner

Materials needed:

  • Smooth light plate or outlet cover (try to match the color to that of the paper you are using)
  • Paper (children's book, vintage ad, etc)
  • Mod Podge (decoupage glue)
  • Foam brush
  • Exacto knife (be sure you have sharp blades)
  • Clear acrylic spray

Instructions:

1. Cut- Lay your outlet cover on top of the paper you are going to cut. Using the outlet cover as your template cut an extra 1/2 inch on each side.


2. Glue- Next put a thin layer of Mod Podge on your outlet cover and a little bit heaver coat on the back of the paper you are using.


3. Attach- Place the front of the cover face down on your freshly glued paper. Carefully turn right side up and smooth out any wrinkles or air bubbles.


4. Glue- On the back edges of the cover add a thin layer of glue. If the edges of your paper need more glue, then add some now.


5. Smooth- Wrap the edges of your paper around the cover and add more Mod Podge as need to keep your paper wrapped around. Allow glue to dry for 10-15 before moving to the next step.


6. Cut- After allowing the glue to dry turn the cover upside down on a flat surface. Using your knife cut either an "X" shape or slice like a pie to curl the rounded corners. Then turn right side up and carefully cut an "X" into the screw holes.


7. Glue/Smooth-After cutting add some glue to the back of the cover and smooth out the paper while gluing it to the back of the cover. Let the cover dry until it is no longer tacky to the touch.

8. Spray- Once the cover is dry move to a well ventilated space and spray your cover with two or more light coats of acrylic spray to protect it from being damaged.

9. Completed- After the acrylic coat dries your done! You can put it on your outlet just like you would any "normal" outlet cover.


Overall Project Grade: B+

Project Notes: One of the things that I found as I worked on this project is that paper with a lot of white on it did not work as well as a patterned paper. Maybe it was just me, but when I sprayed the acrylic on it made the finish uneven. Other then that it was a great project.

I did enjoy this project and am hoping to do it again as we remodel more of our home.
Has anyone else tried this project? How did it turn out? I'd love to see photos! E-mail us your photos and they might just end up on our blog...

Do you like creative make do ideas? Join us on:
DIY Day
Make do Mondays

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8/27/2008

Frugal Lunch Time Style


School is going to start in our area in two weeks. So I, the novice mother of a soon to be kindergartener, just went school shopping last night with my daughter for the first time. I was amazed with how picked over the school supplies were! I guess next year I'll go a little earlier... but the one thing I was really surprised about was the lunch boxes! They were not "green" and were either a thinly veiled advertisement or too expensive. Since I want to send a healthy lunch to school for my daughter on a daily basis I know she will need a nice one that will last. While I would LOVE to get a Laptop Bento style lunch box, I just don't have the funds to buy one right now. So what is a frugal mom to do?

Break out the sewing machine! Actually... Before I powered up the sewing machine I did my homework. I googled "lunch bag patterns" and found a variety of free patterns online. There are lots of really unique ones out there. As fun as it would have been to sew a really funky one for her, she is only 5 yrs old and it will be taken to school. So I wanted something a little more functional and durable. I ended up taking a basic lunch sack pattern and tweaking it by adding handles, snap closure and a vinyl liner. My daughter had a choice between 4 different fabric scraps.

Letting her make some of the choices and help sew it really helped her to take some ownership in the bag and ultimately really like it.

Now that she is outfitted with her "cool bag she helped make" she is excited about taking a healthy lunch to school in style and I'm happy it only cost me a little bit of time and talent.

Here is the finished product. Next is reusable bags and wraps... After I mend the pile of school uniforms I received for a quarter each because they needed some repairs (almost all buttons). Ahhh, the money you save when you can sew.

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8/26/2008

Carnival of Money Stories - Olympic Hangover Edition

Welcome to the 74th Carnival of Money Stories - Olympic Hangover Edition. Today we'll take a look at a variety of articles from across the PF blogosphere. The curtain has fallen on the Beijing Olympics (and the smog has settled back in), so here is one last look back on the 2008 games to help ease the transition back to normal life / fall TV schedules.

We are pleased to welcome all new readers to Not the Jet Set. To find out more about us, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to subscribe and check out our NtJS Cafepress shop!

One more thing - Help us, yourselves and the carnival by:
  • Subscribing to our feed
  • Submitting the carnival to sites like PF Buzz, Reddit, Digg, Stumble Upon, or Technorati
  • Linking back to the carnival.
On with the stories...

On the Medal Stand this week (Editor's Picks)
Business
The Olympics mean one thing to businesses - golden opportunity. And some cash in, or at least attempt to. McDonald's chicken sandwich w/ pickles :: Olympic athletes, just as Visa :: Michael Phelps (Remember those 'is-to' questions from the SAT? Fun.) That's right one has nothing to do with the other. It will be nice to see less commercials of athletes holding food items that they wouldn't eat if they had to.

Credit

How about some carbon credits for Beijing? After a pre-Olympic ceremony was shrouded in a vale of disgusting smog, Chinese officials took action to save face. Too bad you can't eliminate decades of air pollution in a matter of weeks. They planted millions of trees, shut down nearly all construction and factories in the area, and took the majority of the vehicles off of the road. All typically commendable. In the end, they still had to cook the books on the true air quality. Too bad their range of influence doesn't include the AP and the BBC.

Debt
The cost of the opening ceremony is rumored to have cost more than the preparations in progress for the entire next winter Olympics in Vancouver. Not to mention the cost of the closing ceremony. Did you see that double-decker transforming bus? Wow. Here's to living within your means and not keeping up with the Jones' - or the Zhangs:

General

In general, many Americans have been glued to the set every evening for the past 2 weeks - myself included. I'm not really much of a swimming fan - or gymnastics, or water polo, or track - but the people competing here are the best in the world. It becomes tough not to watch when records are being smashed and medals are won by hundredths or even thousandths of seconds. It sucks you in and like any good stimulant, it's tough to shake. I may have to replay some of the Redeem Team's games just to hold me over until the basketball season starts. I'll be ok. Really. I don't need it. I can stop any time I want.

Investing

Olympic athletes invest amazing amounts of time into training. Michael Phelps claims to be up at 5:30am 365 / year and has done so for years. I tend to believe him. The US men's basketball team asks their players - NBA players - to commit 3 years to the team. It's very inspiring to see athletes who dedicate themselves and invest their time by their own free will for the chance to represent their country and the possibility of winning big.

Net Worth

From the beginning, it's been the US and China atop the medal standings. South Korea made a good showing, but fell off towards the end. Other perennial performers like Great Britain, France, Germany, Australia and Russia did well also. It was nice to see a few countries like Afghanistan and Togo earn their first medals ever! In the end, it was USA - 110, China - 100, and Russia - 72. Here are some folks focussed on their own 'medal count':



Retirement

Here are some folks who are a long way from retirement - the Chinese Womens Gymnastics team. Are they 14 or 16? The world may never know. The IOC and FIG are in the hot-seat with so much conflicting information out there regarding the ages of two of the team members, as well as the admission of former gymnasts that they were guilty of the same. Let's look at some better plans and a different definition of 'starting early in life'.

Other

Other?! Is there anything else to talk about? Yeah, we've been pretty rough on host country China, but we call it as we see it. We avoid Chinese-made products like the plague, not only for the traditional low quality and their predilection for toxic chemicals, but also for all of the injustice, pollution, and other stuff going on there. Hey! See! we did get 'other' in there. We'll end things on a high note with a pic of some of the amazing architecture generated for these games as well as some posts falling into the fine category of 'Other'.

Thanks to everyone for submitting such great work. Come back as often as you need if you feel that Olympic withdrawal coming back - just go easy with the mouse if you get the shakes. Tune in next week to host blog Funny About Money for the 75th Carnival of Money Stories. If you didn't make the cut, then buck up, there's always London in 2012!

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8/25/2008

Smartest Advice Round Up

We've given ours - yes hers and mine - and other bloggers have chimed in as well. I noticed these showing up on a few carnivals, so I thought I'd search out and post a round up of the Smartest Advice Ever Received by PF bloggers. A LOT of folks chimed in on this topic, so I've tried to single out the best ones I could find. No offense if yours isn't up here - I may not have found it! Chime in with your story in the comments, or bloggers can just link to their post.

A bunch of bloggers managed to sum up the advice from the folks in the original article (way to go, guys!), but didn't share their own - advice received, that is. Pony up, bloggers! Commenters too. Once again, if you did share and I missed it, then hit us up with the link and then go work on your Google page rank as apparently we need to as well - neither of ours came up!

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Introducing...

...Mrs. Not the Jet Set!

Ok, so she's always been here - writing, posting, editing, advising - but now, we've given the Mrs. her own handle. Now, you won't have to guess who's writing these posts with the androgynous handle of "(not) the Jet Set". That 'set' was always comprised of the two of us, but with her increased presence, we thought it fitting to differentiate between the two of us for the sake of clarity.

Be on the lookout for her posts and be watching to see who the author actually is. No, I don't sew or do much gardening or decoupage anything. No, she doesn't handle the power tools or have a penchant for all things HD. Now you know.

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8/23/2008

ReUse It! : T-shirt Bags

Welcome Stumble Readers! To find out more about Not the Jet Set, click here. We are a personal finance blog focused on frugality, stewardship, and current events, while also telling our story as a family and the personal finance decisions we have made. Thanks for stopping by and be sure to check out our NtJS Cafepress shop!
Also don't miss the other posts in this series: ReUse It!

I'm sure that I'm not the only one who has heard the grim statistics about plastic bags. What can we do to cut back on the 500 billion to 1 trillion plastic bags consumed world wide each year? Keep your own reusable t-shirt bag with you every time you shop! When you think that it's only one plastic bag stop and think. If you use an average of 6 bags per week it adds up. That is 288 bags per year!

As promised, Here is the information to make your own Reusable T-shirt Bag. If you are looking for an easy, weekend project, then we've got you covered.

Cost: Nothing if you have an old t-shirt and a spool of thread. I bought some t-shirts at a garage sale for a quarter each so that is my project cost.

Time: 10 minutes first time, less then 5 minutes after the first one

Skill Level: Beginner

Materials needed:

  • 1 t-shirt any size
  • scissors
  • sewing machine
  • thread
  • 9" pie pan or 9" circle
  • fabric pencil or chalk

Instructions:

1. Mark- Lay your t-shirt on a flat surface. Take your pie pan or template and lay it over your collar so that it is a half circle on the shirt. Mark the shirt for the bag opening.

2. Cut- Cut out the neckline according to your markings. Then cut out the sleeves just inside the seam line.

3. Pin- Turn your shirt inside out and pin the bottom opening closed.

4. Sew- Sew the bottom edge that where you pinned.

5. Done- Turn your shirt right side out and enjoy your new bag!

Overall Project Grade: A (it doesn't get any easier than this!)

Project Notes: As you can see from the photo some shirts work better then others. I found that the fitted style t-shirts work better then the unfitted. I also found that the smalls work the best. The white one in the photo is a large but I found that unfitted mediums seem to work well also.

This is a super fast and fun project. I love to use novelty t-shirts and college shirts. By using those types of shirts I can make them patch their new owner's personality so that they will be used and not tucked away in the back of a closet!

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