Showing posts with label Budget/ Saving Money. Show all posts
Showing posts with label Budget/ Saving Money. Show all posts

Wednesday, September 3, 2014

I pay $41.00/month for my iPhone Plan! Ting Review.


I pay $41/month (an average of $32/month!) for my iPhone and use it all the time through Ting! Between me and my husband this saves us over $1,000/year! It's available everywhere that Sprint is and the service is great!


One of the few luxuries we have is our iPhones. It's such a useful tool that's fully integrated in my life. I can blog on my iPhone (Blogger), keep our family calendar up to date (COZI), track my calories (Myfitnesspal), my pregnancy (What to expect), my work outs, my weight, my steps and sleep quality (Fitbit) , handle task lists (Reminders), get directions based on my current location (Maps), do my banking (Mint), upload memories for my son to his life book (Moment Garden), play free music (Amazon Music), find out how close my husband is using his gps coordinates to get dinner ready on time (Find iPhone), and plan my meals for the week then create a shopping list in ten minutes (MealBoard). Needless to say, the iPhone is almost a necessity for me.


The downside to the iPhone is the monthly bills! Two years ago, we were paying $202 for two iPhones through ATT with unlimited everything. Last year, we switched to Sprint and paid $170 for the same. The service is not as great with sprint as ATT, for instance you can't surf the internet or use data while you're talking on the phone but the few minor hiccups were well worth $30/month to me


Then I found out about Ting. 


Benefits of Ting:

1. There's no contract! Try it for a month. If you hate it, just cancel!

2. You can bring any phone with you from Sprint at no cost.

3. You'll use the Sprint Network and won't notice a difference in service if you already use Sprint.

4. It's so cheap! My bill is always under $41, my husbands averages $57.00, both with heavy use.

5. You can check what your bill will be before you sign up! I entered 12 months of text, data and voice usage from past bills for both my husband and I before I made the switch. It generates the average bill amount for me. I already knew what I would be paying before I signed on.(click here for their website to use this feature)

6. Everything on wifi is free, which includes iMessage to other iPhone users (including photo texts!)

7. Ting roams to the Verizon Network at no additional cost to you for voice and text. This ensures that you can get a signal wherever you are!

8. They run bad ass promotions that show they know you won't leave if you sign up (see the last paragraph).

9. It's free to tether! They even encourage it! You can run your laptop or your iPad off of your iPhone's data.

10. Very transparent charges. You don't have to worry about hidden anything. (See the chart at the bottom of this post).

11. You can save $25 on your first bill by signing up using this link!


My Last Bill With Ting. 

When I heard about Ting, I was intrigued but figured the service was horrible, or that there was hidden fees. I waited 6 months until my contract with Sprint was up before I tried Ting! I could have saved $600 if I had just done it then! It was easy to transfer service, I never had to bring my phone anywhere, and my phone was only out of order for about 15 minutes during the change over. I haven't noticed any difference in the service and they have an awesome app that let's you know what you've used and based on that, what your estimated bill would be.


If you don't have sprint and don't have a sprint phone, you'll have to get a Ting capable phone (just like your ATT phone wouldn't work with the Sprint Network). You can go to the Ting website here, and they'll assist you in selling your phone and buying a capable device. It's a bit like eBay, so as long as you're buying and selling a similar device, the costs should be nominal. They also have warranted refurbished phones for purchase although they would be more expensive. 


I haven't found any drawbacks with Ting, as long as you use the estimated savings calculator before you switch. Just to make sure you aren't one of the 2% of users that wouldn't save money by switching. 


If you have questions, I'd love to answer them. There's very few companies that get brand loyalty from me (Wegmans and USAA), but Ting has officially made the list.



Promotions:

Use this link for a $ 25.00 credit when you sign up!
Early Termination Fee: They'll pay 25% of your early termination fee up to $75.00. (Click here)
iPhone and Samsung: They'll pay any difference in price for buying and selling the same model phone if you don't have a sprint compatible device.(Click here)
Small businesses: if you have 6 or more devices for your business, send them your last few bills. If you won't save money switching to Ting, they'll send you a foosball table! (Click here)

Wednesday, August 27, 2014

What You're Missing at The Dollar Tree: Best Teaching Products!

Classroom tools for only $1 at The Dollar Tree


I've always loved the dollar store. I love picking up storage containers and stationary there. When I quit my job last year to open up my own home daycare, I realized the true value of a dollar store. The local Dollar Tree has amazing resources for learning, all for $1.00! Crayons, stickers, workbooks (I love the Pre-K ones!), learning posters, reward stickers, chore charts, kids books, coloring books, calendars, clocks, hall passes, you name it!

Here's a few of my favorites from the Dollar Tree in August (their stock rotates with seasons but they always have a teacher aisle). 

1. Educational Wall Posters


Dollar Tree Classroom Wall Posters

 Not only do they usually have the adorable kitty posters with the "Hang in There!" motivational phrases, but they have lots of educational posters. The alphabet, fractions, counting, the periodic table, etc. They do a great job of including most subjects and all ages. For $1.00, you actually get two posters, since each poster has a different one printed on each side (usually in the same subject and always in the same age range). These posters are impressively large as well, and come wrapped in cellophane so you can keep them undamaged until you're ready to hang. 






2. Hall passes, Stickers, Rewards and Awards


Dollar Tree Stickers and Rewards

Hall passes, awards, coupons, and fun handouts. If you need recognition items, they have it! They not only have tons of stickers, but they have popular character stickers too (Sophia the First, Jake and the Pirates, Mickey Mouse). Pencils, pencil toppers, you name it, they have it.




3. Flash Cards


Dollar Tree Flashcards

They have flash cards in several different categories. From first words, to numbers, colors and shapes, to easy matching games for pre-k. They also have a good selection of flashcards for older grades, like multiplication, division, and grammar flashcards.  



4. Calendars, Charts and Learning Clocks


Dollar Tree Chore Charts, Tables, and Clocks

This is my favorite category! They have huge blank wall charts. You can make them into chore charts, potty training charts, subject completion charts, homeschooling charts, anything you can list! The calendars are huge, (as large as the posters), and each one has two sides so you can choose the colors that work best for your space. 



5. Work Books

Dollar Tree Workbooks

I'm always really impressed with the quality of the work books here, I use the Pre-K ones with my two year old. They have a huge assortment of popular characters, subjects and age ranges. They go up to about 5th and 6th grades. For $1.00 each, you can buy several topics that meet your age range and work through them one at a time. Thats what we do. He grabs the book he likes, and we can do it together. 






6. Classroom Decoration, Wall Decor


Dollar Tree Wall Decor/ Classroom Decorations

Dollar Tree has tons of options for sprucing up your classroom walls. They have matching die cut outs, like government, the alphabet, ketchup and mustard, dogs and cats, animals, signs to label parts of a classroom (Reading Center, Art Center, Music Center etc.), cowboy and wild west, etc. They come in packets with tons of items so you can fill a whole wall. A few months ago, I went in and bought die cut stars and put all the kids names on them and taped them to the wall. 


Bonus!


Dollar Tree Papers and Dry Erase Calendars

While you're there, check out the other offers they have. They regularly stock dry erase boards,  dry erase calendars, papers, art pads, construction paper, glue, scissors, crayons, etc. Don't forget to go find my personal dollar store favorites... stationary and Betty Crocker kitchen utensils. Click below to read about my favorite buys at the dollar store for your home.

Organizing using containers from the Dollar Tree



The Best Quality Kitchen Utensils are at The Dollar Tree!

Happy Shopping! Did I miss any of your favorites?

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Wednesday, August 20, 2014

Santa Fe Rice and Beans Recipe: Feeds 6 for $3.00!

"

Let me introduce you to the cheapest, most delicious dinner in the world. If you need to reduce your grocery bill quickly, this dinner will do the trick. One dish makes enough to serve 2 adults and 4 children for two meals! We usually finish it up for lunch the next day.  If you happen to be on a rice and beans budget, then what better dish than rice and beans? You can add an easy veggie or fruit to this to make a complete dinner. We had leftover apples in the fridge so we served this with apple slices.


Ingredients:

2 cups cooked white rice
1 can black beans (use what you have, this tastes great with kidney beans as well)
1 cup of corn kernels (frozen or canned)
1 1/4 cups of salsa, diced tomatoes or diced tomatoes with chilies (like rotel)
1 cup sour cream 
1 cup of Mexican cheese (we've used cheddar, monterey jack or a taco blend that wegmans sells)

Optional:
Toss in anything around the house you think would work with it.
Examples: chilies, spices, cream cheese, sliced olives, chopped onion, chopped green pepper, whatever floats your boat.



Directions:

Preheat the oven to 350 degrees.
Cook the rice according to package directions, combine all ingredients, reserving half of the cheese to sprinkle on top. Season with salt and pepper. 

Transfer to a greased baking dish (about 2 quart) and spoon ingredients in. 

Top with the reserved cheese. If you forgot to reserve cheese- don't worry, it will still be delicious.

Bake covered with foil for 30 minutes. Then remove foil and bake for another 10 minutes.
If you don't have foil. Don't stress, it'll be fine. Or you can bake it for 30 without the cheese on top, then add the cheese and finish cooking for another 10 minutes.

Costs of goods figured at Aldi.
Cost:

Rice: $ .25
Black beans: $ .55
Corn: $ .49 for 1 can
Salsa: $ .57
Sour cream: $ .60
Cheese: $ .94

Total: $3.40 to feed 2 adults and 4 children for 2 meals.

Cost per meal: $1.70
Cost per person: $ .29

Just for illustrative purposes- if you could eat this for 3 meals a day, every day for a month, then your monthly grocery bill would be $153 or $39 a week!  (But don't do that! We have much better options for just a few dollars more). 



Monday, August 18, 2014

The Secret to Getting Free MP3's for Life...



One of the best things that I've learned over the last three years is how to get any music you want without ever paying for it. We're pretty cheap (have you figured that out yet?) and likely wouldn't be spending money on music if these ways didn't exist.

1. The Library 

Your local library stocks thousands of albums, all available to you for free. Head over to amazon (or iTunes) and make a wish list of all your favorite songs, note the album that the song is on. Head to your library website and reserve the albums. Most libraries have online reservations where they pull the requested item and you just drop by and pick it up. Get a few albums at once. You can then import them into your computer and they will save as MP3's. With iTunes, this happens automatically. As soon as the disc is recognized by the computer a notification will pop up asking permission to import the songs to iTunes. You can then connect your iPhone, iPad, or iPod to transfer the music to your device.
While there's no feasible way of enforcing copyright laws on this (the same way you don't plan to get in trouble if you borrow your friends CD and import it), I'm not suggesting that you illegally download music that you haven't paid for. But you can keep the downloaded music for as long  as you have the CD out (four months in our library and then you can renew it by bringing it back in). If you have an awesome library, then they'll likely have popular albums out as soon as they are released. Save time for popular songs by getting albums like "Now that's what I call music", which will have songs from the current top charts. Shout out to the Prince William County Library for being completely awesome and stocking Joe Purdy. 

2. Amazon Prime Music

This service just launched recently and it's amazing! If you already use amazon prime for free shipping on amazon products and free movies (much like netflix), you know that at a cost of only about $5.00/month (but you pay yearly), the benefits are huge! You can borrow kindle books through the amazon prime lending library and now you can get MP3's for free through their service. It works much like the Prime Movie service. They have a huge selection of songs available at any time and you just save them to playlists so that you can listen to them as you wish. I found almost 70 songs from them and have been listening happily for about 4 days now.

3. Pandora, Last, Radio, Soundwave, Spotify etc.

There are about a dozen free apps and websites that you can stream live music of your choosing from. All of them are great options. We play the Mumford and Sons channel on Pandora almost 24/7 at our house. It's cooking music, cleaning music and relaxing music. Even Xbox has free music options! 


I will say that when there's an artist that we particularly want to support, we'll bite the bullet and buy the MP3 to support that artist (Joe Purdy and Rusted Root comes to mind immediately). Our goal here is not to deny artists the money that is due them. If we didn't have the above options for free music, then we would  just use pandora and not buy music. By using these options, we're more likely to purchase products/songs from that artist after we've fallen in love with them. 



Friday, August 15, 2014

Cheap Dinner Ideas That You'll Want To Make Right Now. Recipes Included.

Our Weekly Menu Plan

Week Ending 8/15/14

We're super excited to be headed to Virginia Beach for the weekend! We have $100 budgeted out of vacation funds for the food for that trip for the 3 of us. We'll be meeting family out to eat so eating in the hotel would defy the purpose of the trip. We used the grocery budget savings of that trip to have some more expensive meals this week (Baked Italian Sub Sandwiches are about $25! But I've been craving them and wanted to take advantage of a short grocery budget week). 

Fair warning... I'm just entering into my second trimester of pregnancy and am having a tough time eating. Bagels and cream cheese seem to be the only thing I can keep down in the am so they're here to stay for a few weeks. I also have aversions to chicken, oatmeal, black beans, and meatballs which makes life a little difficult some days. Let's just say we'll have some interesting meals for the next few weeks.

Click on the meal name for a recipe. We use MealBoard which stores all your recipes, generates your shopping list, organizes by aisle in the grocery store and gives you a total price for your list. I round my prices up, so it's usually a little lower. You can find out more about MealBoard here.

If you love these ideas, feel free to put your email address in the box to the right and I'll email you our menu plan every friday morning. 


We have a freezer and pantry stocked with veggies, and we always get extra lettuce since we both love salad. We also have a club pack of vanilla yogurt from Wegmans that we can add to breakfasts or snacks. (I adore pineapple in yogurt!)

Want to know how I plan these menus every week? Click here to read my step by step fail proof Menu Planning Post.

P.S. Beef Stew, shown above, was amazing!

Meal plan for next week
AUG 09 - SATURDAY
Vacation- Dine Out
AUG 10 - SUNDAY
Vacation- Dine Out
AUG 11 - MONDAY
breakfastBagel And Cream Cheese With Pineapple Slices
lunchBroccoli Cheese Soup Carrots Peaches Dinner Roll
dinnerBaked Italian Sub Sandwiches
AUG 12 - TUESDAY
breakfastMuffins and Bananas
lunchLeftovers From Last Night
dinnerSlow Cooker Beef Stew I
dinnerCherry Bars Recipe
AUG 13 - WEDNESDAY
breakfastBagel And Cream Cheese With Pineapple Slices
lunchLeftovers From Last Night
dinnerCampbell's Kitchen Easy Beef Enchiladas
AUG 14 - THURSDAY
breakfastYogurt, Raisins, Toast, Tea
lunchLeftovers From Last Night
dinnerEasy Calzones
AUG 15 - FRIDAY
lunchBagel And Cream Cheese With Pineapple Slices
lunchLeftovers From Last Night
dinnerEasy Baking Powder Drop Biscuits
dinnerSausage Gravy
dinnerBest Scrambled Eggs Ever!



SHOPPING LIST: 

(Omitting all of the duplicates and pantry staples, a full shopping list will be posted below this one). 
Estimated Total: $100.00
*Likely will be less since I estimate up.
Update: I ended up spending $97.64 but I included childrens vitamins and mascara, which obviously weren't on the list.

Produce
carrots baby, 1 can for Broccoli Cheese Soup Carrots Peaches Dinner Roll
celery, 1 stalk for Slow Cooker Beef Stew I
large tomato, 1 for Baked Italian Sub Sandwiches
onion, 5 for multiple recipes
potatoes, 3 for Slow Cooker Beef Stew I
Bread and Bakery
bagels soft, 9 for Bagel And Cream Cheese With Pineapple Slices
frozen unrisen dinner rolls (rhodes)., 16 whole frozen, un-risen dinner rolls (I use Rhodes, can for Easy Calzones
hoagie rolls, 6 for Baked Italian Sub Sandwiches
wheat bread, 6 slices for Yogurt, Raisins, Toast, Tea
Meat
beef stew meat, 2 pounds for Slow Cooker Beef Stew I
deli roast beef, 1/2 lb for Baked Italian Sub Sandwiches
ground beef, 1 pound for Campbell's Kitchen Easy Beef Enchiladas
maple flavored sausage roll, 1 package for Bill's Sausage Gravy
Deli
deli ham, 1/2 lb for Baked Italian Sub Sandwiches
pepperoni, 1 pound for Easy Calzones
Baking Goods
each) cherry pie filling, 2 cans (21 ounces for Cherry Bars Recipe
Dairy
butter, 1 cup for Cherry Bars Recipe
Cheddar cheese, for Campbell's Kitchen Easy Beef Enchiladas
cream cheese, 1 package for Broccoli Cheese Soup Carrots Peaches Dinner Roll
deli turkey, 1/2 lb for Baked Italian Sub Sandwiches
eggs, 9 for multiple recipes
flour tortillas, 12 for Campbell's Kitchen Easy Beef Enchiladas
milk- whole, cup for Muffins and Bananas
provolone cheese, 1/2 lb for Baked Italian Sub Sandwiches
whole milk ricotta, 15 ounces for Easy Calzones
Canned/Jar Goods
Campbell's® Condensed Cheddar Cheese Soup, 1 can for Campbell's Kitchen Easy Beef Enchiladas
Oils & Dressings
Italian dressing, 1/2 cup for Baked Italian Sub Sandwiches
Frozen Foods
broccoli, 2 bunches for Broccoli Cheese Soup Carrots Peaches Dinner Roll
International
prepared enchilada sauce, 1 1/2 cups for Campbell's Kitchen Easy Beef Enchiladas
refried beans, 1 can for Campbell's Kitchen Easy Beef Enchiladas
Uncategorized
almond extract, 3/4 teaspoon for Cherry Bars Recipe
mozzarella, 1 1/2 cups for Easy Calzones





Complete Unedited Shopping List:

Produce
carrots, 4 for Slow Cooker Beef Stew I
carrots baby, 1 can for Broccoli Cheese Soup Carrots Peaches Dinner Roll
celery, 1 stalk for Slow Cooker Beef Stew I
crushed tomatoes, Three 15-ounce cans for Easy Calzones
fresh parsley, 2 tablespoons for Easy Calzones
Fresh parsley leaves, for Easy Calzones
garlic, 1 clove for Slow Cooker Beef Stew I
garlic, 3 to 4 whole cloves for Easy Calzones
onion, 2 1/2 for multiple recipes
potatoes, 3 for Slow Cooker Beef Stew I
whole medium onion, 1 for Easy Calzones
whole small to medium onion, 1 for Easy Calzones
Bread and Bakery
bagels soft, 9 for Bagel And Cream Cheese With Pineapple Slices
frozen unrisen dinner rolls (rhodes)., 16 whole frozen, un-risen dinner rolls (I use Rhodes, can for Easy Calzones
pizza crust, 1 for Pepperoni or Sausage Pizza
wheat bread, 6 slices for Yogurt, Raisins, Toast, Tea
Meat
beef broth, 1 1/2 cups for Slow Cooker Beef Stew I
beef stew meat, 2 pounds for Slow Cooker Beef Stew I
ground beef, 1 pound for Campbell's Kitchen Easy Beef Enchiladas
maple flavored sausage roll, 1 package for Bill's Sausage Gravy
white wine (or chicken broth), 1/2 cup for Easy Calzones
Deli
pepperoni, 1 pound for Easy Calzones
Baking Goods
all-purpose flour, 3 1/4 cup for multiple recipes
all-purpose flour, 2 1/4 cup for multiple recipes
all-purpose flour, 5 tablespoons for Broccoli Cheese Soup Carrots Peaches Dinner Roll
All-purpose flour, for Easy Calzones
almond extract, 3/4 teaspoon for Cherry Bars Recipe
baking powder, 2 1/2 teaspoons for Easy Baking Powder Drop Biscuits
confectioners' sugar, 1 cup for Cherry Bars Recipe
each) cherry pie filling, 2 cans (21 ounces for Cherry Bars Recipe
Pinch sugar, for Easy Calzones
raisins, 1 cup for Yogurt, Raisins, Toast, Tea
sugar, 2 cups for Cherry Bars Recipe
white sugar, 1 tablespoon for Easy Baking Powder Drop Biscuits
Dairy
butter, 1 cup for Cherry Bars Recipe
butter, 4 tablespoon for multiple recipes
Cheddar cheese, for Campbell's Kitchen Easy Beef Enchiladas
chilled butter, 1/2 cup for Easy Baking Powder Drop Biscuits
cream cheese, 1 package for Broccoli Cheese Soup Carrots Peaches Dinner Roll
cream cheese, 9 tablespoons for Bagel And Cream Cheese With Pineapple Slices
eggs, 9 for multiple recipes
flour tortillas, 12 for Campbell's Kitchen Easy Beef Enchiladas
margarine, 1/2 cup for Broccoli Cheese Soup Carrots Peaches Dinner Roll
milk, 2 to 3 tablespoons for Cherry Bars Recipe
milk- whole, cup for Muffins and Bananas
milk- whole, 2 1/4 cup for multiple recipes
mozzarella, 1 1/2 cups for Easy Calzones
mozzarella cheese shredded, 2 cups for Pepperoni or Sausage Pizza
Parmesan, 1/2 cup for Easy Calzones
sausage or Pepperoni, 1/2 package for Pepperoni or Sausage Pizza
whole eggs plus 1 whole egg, 2 for Easy Calzones
whole milk, 4 1/4 cups for multiple recipes
whole milk ricotta, 15 ounces for Easy Calzones
Yogurt, 3 (adults and preschoolers only) for Yogurt, Raisins, Toast, Tea
Canned/Jar Goods
Campbell's® Condensed Cheddar Cheese Soup, 1 can for Campbell's Kitchen Easy Beef Enchiladas
chicken bouillon granules, 2 tablespoons for Broccoli Cheese Soup Carrots Peaches Dinner Roll
peaches, 1 can for Broccoli Cheese Soup Carrots Peaches Dinner Roll
pineapple slices, 3 can for Bagel And Cream Cheese With Pineapple Slices
strawberry jam, 5 teaspoon for Yogurt, Raisins, Toast, Tea
Oils & Dressings
canola oil, 1/4 cup for Muffins and Bananas
Pasta/Rice/Beans
regular long-grain white rice, 1 cup for Campbell's Kitchen Easy Beef Enchiladas
Sauces & Spices
bay leaf, 1 for Slow Cooker Beef Stew I
Black pepper, for Easy Calzones
Fresh basil leaves, for Easy Calzones
Italian seasoning, 1/2 teaspoon for Easy Calzones
Marinara Sauce, warmed, for serving, for Easy Calzones
paprika, 1 teaspoon for Slow Cooker Beef Stew I
pizza sauce or tomato sauce, 1 can for Pepperoni or Sausage Pizza
red pepper flakes, 1/4 teaspoon for Easy Calzones
Salt and ground pepper, for Easy Calzones
salt and pepper to taste, for Bill's Sausage Gravy
taco seasoning mix or burrito seasoning mix, 1 package for Campbell's Kitchen Easy Beef Enchiladas
Worcestershire sauce, 1 teaspoon for Slow Cooker Beef Stew I
Frozen Foods
broccoli, 2 bunches for Broccoli Cheese Soup Carrots Peaches Dinner Roll
dinner rolls frozen, 5 rolls for Broccoli Cheese Soup Carrots Peaches Dinner Roll
International
prepared enchilada sauce, 1 1/2 cups for Campbell's Kitchen Easy Beef Enchiladas
refried beans, 1 can for Campbell's Kitchen Easy Beef Enchiladas
Baking
muffin mix, 1 for Muffins and Bananas

Wednesday, August 13, 2014

Tools of the Trade: Batch Cooking (Electric Griddle for about $17!)

Batch Cooking: Tools of the Trade ( Electric Griddle for $17!)



Jon's family owns this gorgeous beach house in Maine that we've been lucky enough to visit a few times. On the last trip, we found this enormous electric griddle under the counter. We ended up using it every single day! Pancakes, french toast, sausage, scrambled eggs... We could cook a huge breakfast for a crowd in just a few minutes with minimal dishes!

I did a little research and found out how affordable they are. You can get one from Walmart by clicking here for $17.

Using the electric griddle, I can double my favorite pancake recipe (Joy of Cooking Cookbook) and make 40 pancakes in about 8 minutes. We eat a few for breakfast and then freeze the rest in batches of 3. I wrap the stack of 3 in wax paper and then put several wax papered stacks in a gallon freezer bag. When I want to reheat, I microwave for 90 seconds. 

They taste just as good reheated as they did the first day! 


If you have the money budgeted to spare, this is a great investment to save you some time for years to come. Before purchasing, make sure you think about the size of this griddle and make sure you have room in the kitchen to store it without cluttering up your kitchen.

Friday, August 8, 2014

Menu Planning: Step by Step Part 3 (Using Mealboard)


If you haven't already read the first part of this 3 part series, click here to check it out. This is a very basic, step by step instructional for how to be a successful menu planner. Part 1 covers the first steps (using both paper systems and MealBoard), part 2 covers how to set up your paper menu planning system, and part 3 tells you how to set up MealBoard and use it if you would rather have an automated ios program do all the hard work for you. 

The reason why menu planning is so important is that you can save an enormous amount of money without actually sacrificing the quality of your life. Let's say you eat out 3x per day for every day on a week. We'll assume an average of $4.00 for breakfast (bagel and cream cheese with a coffee), $7.00 for lunch (sandwich, chips and a drink) and 12.00 for dinner (chipotle or diner). You would spend $322.00 in a week to feed two people, or $483.00 to feed three people. Through menu planning, I can feed everyone great meals that they love for between $100.00 - $120.00/week. For two people, that would be a savings of $10,504.00 per year and for three people, that would be a savings of $18,876 per year. Now likely, you don't eat out for every meal. But if you really track your grocery spending carefully, unless you're menu planning, I bet you'll find that it's easy to spend $200.00 or more per week to feed your family.



This doesn't have to be hard though! It's actually really easy! Click here to complete the important first steps (#1-4), then come back to finish your system on MealBoard!

Step by Step Menu Planning Using MealBoard:

5. Download MealBoard (only available on apple products at this time) for a price of $2.99 (if you don't have that money budgeted, consider doing your meal planning by paper- it takes longer and I think MealBoard is well worth the price but you should never spend money that you don't have, even if it's just $2.99.

6. Start adding simple meals! For simple breakfasts, create your own recipes... Bagels and cream cheese, milk and cereal, yogurt and granola, oatmeal and raisins. If you work, plan simple breakfasts for the morning and save the eggs and pancakes for your days off. When you create a recipe, add the ingredients for that recipe (I.e. milk and cereal would list ingredients as milk and cereal) add a recipe for leftovers with no ingredients listed so that if you plan to eat last nights dinner for lunch the next day you can add that to your calendar without adding anything to your shopping list.

7. Start collecting recipes. Now the fun part starts! Head to the recipes section and then the import button. It will give you several choices for recipe sites (almost all of the popular ones are there and they're always adding new ones. Taste of home, Kraft, Martha Stewart, Spark Recipes, and Allrecipes are my favorites.
Browse for a bit and import any recipes you like the sound of. When you import a recipe, the entire recipe will import. It will add the photo, ingredients, and directions to your menu board. It will ask you to choose a category to file it under and you can clarify an aisle for any ingredient it doesn't recognize (I.e. If it says Philadelphia cream cheese instead of just cream cheese it won't recognize it as a dairy product. 

8. Figure out how you're going to handle lunch. Will you take leftovers in from dinner? Make sandwiches or salads to bring in? Will you buy lunches? Buying lunches out is still menu planning if you're making the conscientious decision to do that. For instance, if you pack a drink, trail mix and an apple and make the decision to buy a $3.00 six inch subway sandwich every work day, you'll be spending about $15.00 out per week in lunches. Likely that's about what you spend now on one lunch. 

9. Create a recipe for whatever you decide for lunch. Don't worry about directions, just enter ingredients. For instance- turkey, muenster and pickles on rye. Then list "lunch snack #1", and "lunch snack #2" as an ingredient. This lets you know to pick up two items at the store that you can use for lunch snacks all week. Word to the wise, if your new at this or on a budget, don't plan 5 different lunches for the week. Plan 2 with three interchangeable snacks (yogurts, granola bars, trail mix etc). You can repeat the lunches and save on ingredients. You can also fill in with leftovers if they fit into your plan. If you drink something other than water, don't forget to add that to your ingredient list. Don't worry about making a side dish and dessert for each meal. We just keep the freezer and pantry stocked with veggies (.49 for cans at Wegmans, and .99 for frozen bags). We usually add a salad to a day, and the ingredients are listed with enough ingredients to make salad for 3 days.

10. Take a look at your schedule and start assigning meals or recipes to different days. Make sure that most of your recipes are quick and easy unless you're a seasoned cook. 

11. Add preparation into your schedule book. Note the day you need to prep the slow cooker, the day you need to make ahead the freezer casserole, and the days you need to thaw meats. I freeze any meat I won't be using by the next day and then follow a thawing schedule. 

12. Once you're done, switch to the shopping list tab and ask it to sync your list for the week you want. Go through your kitchen and check off anything you already have. Delete all checked items.

13. Go through your list and add estimated prices (round up to the nearest dollar), while you're adding prices, ensure that each ingredient is listed in the right aisle for your store. Once you assign a price and an aisle to an ingredient you won't ever have to do it again. This is a program that gets better the more you use it. The first few weeks, menu planning still took two hours. Now it takes about 10 minutes. It's rare that I have to add prices now. Check out the top of the app- look at the total price for all groceries. Is that number workable for your budget? If not, figure out if you can substitute ingredients for store brands, eliminate unnecessary ingredients, or buy in a club pack to share with next week's menu. If you still can't make that number what you want, eliminate one of your recipes and switch to a cheaper one (it doesn't get cheaper than homemade macaroni and cheese with steamed broccoli or rice and beans... actually, pretty much anything meatless). 

You can then email your menu and shopping list to family members (add it to your blog, whatever...) or print it out for the fridge.

 Before you get to the store, you can go into settings and arrange your aisles so that they are listed in the order that you would hit them in your store. Head to the store and just check things off as you grab them.


14. Tips and Tricks: If you're packing lunch, you need a small cooler and at least 2 ice packs. It's imperative that you remember (or your husband!) to bring in your cooler at the end of the day, put your ice pack back in the freezer and empty your cooler. I would have a minimum of 2 ice packs per person available in case you forget one day. 

For the first week weeks, utilize post it notes to remind you to thaw food, prep food and take your lunch to work. (To this day of I don't leave Jon's lunch hanging on the door knob or leave home post it note reminding him- he won't remember to take it).

Good luck! Come back and tell me how much money you saved!

Wednesday, August 6, 2014

Menu Planning: Step by Step Part 2 (By Paper)




If you haven't already read the first part of this 3 part series, click here to check it out. This is a very basic, step by step instructional for how to be a successful menu planner. Part 1 covers the first steps (using both paper systems and MealBoard), part 2 covers how to set up your paper menu planning system, and part 3 tells you how to set up MealBoard and use it if you would rather have an automated ios program do all the hard work for you. 

The reason why menu planning is so important is that you can save an enormous amount of money without actually sacrificing the quality of your life. Let's say you eat out 3x per day for every day on a week. We'll assume an average of $4.00 for breakfast (bagel and cream cheese with a coffee), $7.00 for lunch (sandwich, chips and a drink) and 12.00 for dinner (chipotle or diner). You would spend $322.00 in a week to feed two people, or $483.00 to feed three people. Through menu planning, I can feed everyone great meals that they love for between $100.00 - $120.00/week. For two people, that would be a savings of $10,504.00 per year and for three people, that would be a savings of $18,876 per year. Now likely, you don't eat out for every meal. But if you really track your grocery spending carefully, unless you're menu planning, I bet you'll find that it's easy to spend $200.00 or more per week to feed your family.

This doesn't have to be hard though! It's actually really easy! Click here to complete the important first steps (#1-4), then come back to start your paper meal planning system!


To create your paper planning system:

Set Up A System
Step #5. Find an old binder, fill it with a menu schedule. You can print one here from Passion for Savings Blog. Fill it with blank pages for shopping lists or print these blank shopping lists by clicking here from Cornerstone Confessions. Do you use lots of cook books? Have a page with a recipe index including the recipe name, cook book and page. If you'd rather just print recipes from the internet, print away and then add them to the binder. You can organize them alphabetically or into categories (chicken, beef, pasta etc).


Paper Preparation
6. Get out the menu schedule sheet for next week and add dates. Separate each day into 3 sections: B L D (breakfast lunch dinner). Take a look at your schedule for next week and make small notations of things that will affect your meals (early days at work, event invitations, overtime etc).


Breakfast
7. Start assigning breakfasts. Think simple! If your working, keep to simple breakfasts. Try Milk, cereal and bananas; Oatmeal and raisins; or Bagels and cream cheese. Keep a stash of either protein bars, or granola bars in case you over sleep and need something to grab while dashing out the door. We don't assign things like juice. If we want to have juice in a week, we'll just get a jug and drink a little at will.


Lunch
8. Choose your method for lunches. You can either pack, buy or plan to take leftovers. Planning to buy lunches is still menu planning because you have a set budget and your incorporating a set amount into your menu budget for those meals. A great way to handle that is to know you don't have the organization skills yet to pack a lunch in the morning, and to bring a drink, an apple and a bag of trail mix to work and then hit Subway for a $3.00 6 inch sub every day. $15 in a week for planned eating out isn't bad! If you have a big family, you may not have enough leftovers for lunch the next day unless you double the recipes. If you plan to take leftovers, think ahead. For the first week, since you don't know how many leftovers you'll have with each recipe, have a few days where you can enact the above subway plan if needed.


Dinner
9. Plan your dinners. This is my favorite part! I love meals eaten together. Choose a mix of recipes. A simple easy dish, a recipe that you guys already love, a brand new recipe, maybe a complicated recipe for a cooking date night one weekend (or a family cooking night!). Unless you're a pro, don't plan recipes for a main dish, side dish and dessert. We've been doing this for a while and still rely on frozen veggies, canned veggies, salads, and pantry staples for meal accompaniments. Often, I don't even feel the need to plan the veggies. I keep the freezer and pantry stocked with veggies ( about .49 cents per can and .99 cents per bag at wegmans) and buy something delicious and in season at wegmans for their club pack price. This week, I got a giant club pack of grapes that we've been snacking on all week. Pick out your 7 dinners but don't assign them dates yet. Just a heads up, recipes that have many ingredients (not counting spices) tend to cost more.


Preparation and Planning
10. If you're using printed recipes, pull them out of the organized section- you'll keep them up front while you're making them this week and then refile them after. Browse through the cookbooks. Mentally note any ingredients in your head that would go bad quickly and that won't freeze. I want you to only have to do one grocery trip for the week, so if any of your recipes have ingredients that don't last or store well, plan for them on the first or second day of the week. I'm a food safety nut so I freeze any meat that I won't use right away. If you're the same, then plan on freezing meat right away and make notations on your schedule of what to thaw on what day. I.e. You're making chicken potstickers on Tuesday and grilled steak on Wednesday. So mark a notation on Tuesday to thaw steaks in fridge before making pot stickers. Some fridges might need two days in order to thaw (that would be my fridge set to the lowest setting... the food safety nut). If you're planning on a freezer casserole for a busy night, pick a day to make the casserole (like a day off or on a day that you're already cooking with that meat). If you have a slow cooker meal planned, mark a notation the night before to mix ingredients in the crock and leave in the fridge, so all you have to do is insert into crock pot and turn on in the am. Then mark a notation to leave yourself a post it note on the door the night before, because you know you'll forget to start it if you don't have a reminder.

*HINT* If you're an avid coupon user, this would be a good time to pull them out and decide what ingredients you can get cheaply. If you aren't already using coupons regularly, skip that for now until you can easily menu plan. We shop at wegmans with consistent low price lists (they change seasonally to reflect the lowest prices of items popular for that season). I'll occasionally coupon, but I mostly use the CPL list to plan. You'll still save tons of money by eating in every day, even if you don't coupon or use flyers (as long as all of your meals aren't lobster, filet mingnon and beef wellington). 


Create your Shopping List
11. Write categories on a blank piece of paper (meat, dairy, deli, produce, canned, etc) or use the link on step #5 to have a preprinted list. Think about where the ingredients are in your grocery store. List those areas. Start adding the ingredients from your recipes (even if you think you already have that ingredient!) to the correct category. If you come up with a duplicate ingredient, just add it to the first entry like in the photo below. Check through your kitchen and cross off any ingredients you already have.


Pricing and Budget
12. If you have a pretty decent idea as to what things cost, estimate the costs of each item by putting a small number to the side of it. If you aren't sure, estimate up. Add up the costs of your groceries and decide if that's a manageable number for your budget. If it's not, take a look through the list and decide where you can save. Is there an ingredient that can be cut? Can you cut out mushrooms or similar ingredients from a recipe? Is there a substitute that can be made (purchasing store brands for cheaper or buying in a bulk pack to use the ingredient next week as well)?  Is one of your recipes particularly expensive? Can you substitute that recipe out? Can you go meatless one day? After you're all done and you have a final price, add that amount in large numbers to your grocery list. That's your goal amount. We're almost always under our goal amount and if we aren't, something will be getting cut. Our grocery budget for two adults and one child, plus 3 additional children during the days (breakfast, lunch and snack) is between $100-150, depending on what our monthly budget goals are. We average $120.00/week.


Grocery Shopping
13. Head out and buy those ingredients! Store things so they will last until they are needed. Post your menu and schedule on the fridge so you can refer to it every day and ensure things will run smoothly. 


Tips and Tricks
14. If you're packing lunch, you need a small cooler and at least 2 ice packs. It's imperative that you (or your husband!) remember to bring in your cooler at the end of the day, put your ice pack back in the freezer and empty your cooler. I would have a minimum of 2 ice packs per person available in case you forget one day. 



Good luck! Think of me when you're chilling in Disney World spending the money that you saved!