Wednesday, December 31, 2008
SAVING ENERGY, SAVING OUR EARTH
Tuesday, December 30, 2008
Savvy Budgeting Saves You Money
I've lived by the structure of a budget since......forever! I honestly don't know how I would get along without one. A budget is just that - structure, financial structure. Financial structure is the backbone of your everyday living.
I see it on television all the time, financial advisors helping individuals find more money in their bank accounts by suggesting they cut out the coffees on the way to work, and "Ouila !", they magically have an extra $300 a month! I think to myself, "Wow!", they have so much extra money that they can spend an extra $300 a month on coffees and not even realize it? If they are so smart to earn that kind of income, then how come they're not intelligent enough to have a budget?
You see, budgeting is not just for people who don't have a lot of money. It's just as equally necessary for the person with the six-figure income. Budgeting is simply the act of keeping track of your money. We keep track of our children, our families, the maintenance on our cars, but for some reason, when it comes to dollars and cents, we have no sense. A lot of folks would just rather look the other way. Either it's too complicated, or some of us just can't face our own financial realities.
A lot of you already live by the structure of a budget - pat yourselves on the back! But for those of you that don't, it's never too late. A lot of people have asked me, how do you afford to do that? How are you able to live in that house? You have four teenagers who are always wearing nice clothes, how can you afford it? The answer is always the same - we live by the structure of a budget and always make sound financial decisions for ourselves. Even during this past year when it seemed like everyone around us was suffering some type of financial setback, we still remained, by the grace of God and our budget, comfortable. Cautious, but comfortable.
Mind you, I'm no financial expert, although I do have many years of banking experience in my back pocket, but not a professional qualified to hand out any type of financial advice! I've had enough people ask me what I'm doing to keep track of our finances, that I figure we must be doing something right! So, I would like to sit down on Tuesdays, friend to friend, with you, with our cups of coffee (that we made at home) and share with you what I do in my household that has helped my family get where we are today.
Maybe there will be something that could help you out. Maybe if only the encouragement needed to get a budget started. It is a discipline to which you must be ready to commit. You have to want it! You have to want to get this part of your life under control. I'll happily be your cheerleader! If only one person comes away with something useful, it will make my day. Come back next Tuesday and we'll chat about budgeting.
Thanks for stopping by!
Monday, December 29, 2008
NEW YEAR, NEW BEGINNINGS
As each new year approaches, I have felt less and less inclined to commit to any type of New Year's resolution. For some reason, the intense pressure to succeed is a sure-fire way to set myself up to fail!
What I have done, though, is convince myself that the new year is a time for 'new starts'. A 'new start' is just that - a time to start something new, to try something different, a new beginning. It's not a concrete change with which I may not be able to follow through the rest of the year.
I have some lifestyle changes that I would like to assign a 'new start'. Even this blog! I began writing in the middle of the holidays, so of course, what was I writing about? Everything that had to do with the holidays! I had stopped writing for a little while after I came down with the flu, then other family members came down with the flu, Christmas was fast approaching and my shopping wasn't completed, and basically, with four kids and a husband on a 2-week winter break, my priorities were obviously not here!
So during that time, I was able to reflect more on what specifically I wanted to share with you. After a little thought, I realized the things in my life about which I am most actively informed, and the things about which I am most often asked. During the days of the week, I want to cover those topics and how they relate to being a Savvy Saving Mom.
I've decided to dedicate Mondays to Health. My health, your health... I'm not a doctor or a nutrionist, but, I read and read and read anything and everything regarding my own health and the health of my family. I have a lot to share - not advice, mind you! Just friend to friend, letting you know what I'm doing to protect, preserve, and save my health. Passing along to you things about which I am learning from other doctors and professionals.
Investing in one's health is one of the biggest money savers in the long run. By investing, I mean doing whatever you can for yourself now - eating right, exercising, refraining from bad habits like drinking and smoking that can sabotage you later or even cost you your life. Do these things now, and give yourself the gift of good health in your future. Give yourself the potential of living prescription-drug free. A big savings, for sure! I'm looking forward to sharing these things with you, and next Monday, I'll let you know the two major health issues I'm currently dealing with.
Come back tomorrow, and I'll let you know what I'm planning for Tuesdays.
Thanks for stopping by!
Posted by Savvy Saving Mom at 6:00 AM 0 comments
Labels: health, Mondays, new beginnings, New Year's resolutions
Wednesday, December 17, 2008
THE COOKIE CLAUSE
Posted by Savvy Saving Mom at 7:03 AM 0 comments
Labels: Cookie Clause, holiday baking, Peppermint Bark recipe
Tuesday, December 16, 2008
HOLIDAY DECORATING ON A BUDGET
There's nothing that I love more than a beautifully decorated home during the holidays. There's nothing that I hate more than spending a lot of money to do it!
Fortunately, there's a lot you can do with things you most likely have around your house already, or depending upon where you live, as close as your own backyard!
I happen to love candles. I love the enticing scents, the relaxing mood they create and the warm glow they emit. They can be incredibly expensive, though!
What I have done to save the expense is to create my own. I pulled an old, short flower vase out of my cabinet that I found and started setting aside the glass jars from things like pickles, mayonnaise, jelly, etc. from the refrigerator as we finished them.
Making sure the jars were completely cleaned out and dry, I was ready to add the candles. I used to have a lot of the tea lights that I had planned to use, but when I found the box, there was only one left. Determined to use only what I already had on hand, I found some old red taper candles that I cut into approximately 1 in. pieces. After the pieces have been cut, carefully take the tip of your knife and score a circle around the location of the candle wick to expose it. Light the candle to drip some wax into the bottom of the jar to hold the candle piece in place. Blow out the candle and place down into the jar into the dripped wax. Depending upon the size of your jar, this may or may not be easy! In my more narrow jars, I had to use tweezers to place my candle!
Finally, decorate your jars. Be creative with ribbons and bows, stencils, or whatever you have on hand. Just make sure that your embellishments stay away from the opening of the jar or your creation could become a fire hazard! Assemble one or two jars to sit around your home, or group several on your table to set the mood. Depending upon where in the country you are, you may have access to greenery from your own backyard to add around the bottom of your candle jars. Pine cones are a nice accent, too. Use your imagination!
The only thing missing when using taper candles is the scent. For me, part of the enjoyment of candles are the delicious aromas. So, heading back to my kitchen cabinets, I look for things like cinnamon (powder or sticks), clove, allspice, vanilla,(you get the idea), and from the refrigerator, oranges...orange peels have natural oils that smell wonderful! In a pot of water, simmer all of the ingredients, sit back, and enjoy all the wonderful smells drifting from your kitchen. And, as with anything else you might have going on the stove, you have to keep an eye on it! Check the water level often and add water as it evaporates.
Two very simple, inexpensive ideas to add holiday warmth to your home. And the best part is, no $$ spent to do it! What savvy ideas do you have to decorate your home for the holidays? Share them here!
TOMORROW - The Cookie Clause
Monday, December 15, 2008
THANK YOU CAMPBELLS!
I had previously mentioned in an earlier post that while visiting Walmart headquarters last October with my Walmart Communispace companions and the ElevenMoms, that we had the privilege of a visit to the Campbell's kitchen where we had met Chef Lee (now also the 'Swanson' guy on TV) and were treated to a beautiful dinner hosted by Campbells.
We had a wonderful time during our visit to Campbells. The staff on hand that evening met us at the door with warm welcomes and prepared the most beautiful meal for our enjoyment. They were so genuine in their enthusiasm of our arrival. It was truly an honor to have shared that evening with them.
Posted by Savvy Saving Mom at 10:37 AM 0 comments
Labels: Campbells Baskets, campbells products, ElevenMoms, Walmart headquarters trip
Tuesday, December 9, 2008
THIS WEEK'S GIFT GIVING IDEAS
A couple of months ago, I had the honor of traveling to Bentonville, AK, to visit Walmart headquarters. In the company of 4 of my fellow Walmart Smart Moms Connection members, and the Walmart ElevenMoms, we were treated to an insightful weekend jam-packed with activities and events that had us scheduled from the wee hours of the morning to way past my bedtime in the evenings!
I have 2 teenaged daughters who loved playing with the Girl Gourmet Cupcake Maker. We served cupcakes for the whole family! We liked the idea that you make just one at a time. The directions were easy and the process from mix to final product was fast. Simple, easy, and fun for young girls. For ages 8 and up. Retail $24.88
Powered by REAL night vision technology, you rule the night! Vision up to 50 ft. in complete darkness, and invisible infrared illumination means you can see them but they can't see you!
Although Walmart started carrying this line last spring, I've just recently had the opportunity to try out some of their goods.
Posted by Savvy Saving Mom at 7:13 AM 1 comments
Labels: Canopy, Chef Lee, Eyeclops Night Vision Goggles, gift-giving ideas, Jakks Pacific Girl Gourmet Cupcake Maker, Pan-Sauteed Chicken recipe, Swanson
Monday, December 8, 2008
HAVE YOU SEEN THE CVS DEALS FOR THIS WEEK?
HERSHEY'S SPEND $20 & GET $10 EXTRA BUCKS (that's an easy one for me!)
Hershey's Bliss 2/$6
click here for coupon and they are 2/$5
use your clipped coupon (save $2.50 on two bags) and they are 2/$3.50
also
Hershey's kisses, miniatures, hugs or nuggets 2/$4
Powerade $1.59
it's like getting it for FREE with Extra Bucks reward of $1.59
REVLON buy one get one free
NEUTROGENA buy 1 get 1 50% off
These are just a few that interested me. For all the great deals, see the CVS Online Circular.
Want to try something really fun? Visit KingdomFirstMom and participate in her "CVS Challenge"! A great way to find out what others are doing to really stretch their dollars at CVS.
Happy Shopping!
HOME FOR THE HOLIDAYS
Friday, December 5, 2008
LOOKING AHEAD
So, dinner was great last night, Turkey Noodle Casserole - no leftovers! That's what I'm talkin' about. While we were 'feasting', I had a flashback of Mom's tuna noodle casserole - one of my childhood favorites. That's another economical recipe, adjust your noodles to macaroni style, replace a can of tuna for the turkey, and 'voila!', another delicious meal.
Did you by any chance copy the recipe? Just wanted to share with you a website that I recently came across that has really cute recipe cards to download for free. There are also matching shopping lists, to-do lists, and gift tags! So cute! They can be found at Original Country Clipart by Lisa. You'll have to drop by.
You can probably tell from my first post being about dinner, that food, among many other things, is a focus in my house. For the rest of my family, it's all about the 'what'. What do I have to look forward to for my next meal? For me, it's the 'how'. How am I going to serve something that the whole family will love for the least amount of money?
In the future, I'll have a lot to say about how I save on food! I am a 'Master Couponer' (is there such a word? don't think so, but it does describe me!), and believe me when I say that I have connections with those who really know the tricks of the trade - I'll elaborate on that later!
For now, though, I can't avoid the fact that the holidays are here. I'll still have dinner ideas along with where all the great bargains are, but also look for:
HOLIDAY GIFT IDEAS
SAVVY CRAFT & DECORATING IDEAS
YUMMY HOLIDAY TREATS (and cute ways to give them!)
...and anything else 'Holiday'!
I will have a special post on Monday about how our family is adjusting to the economical issues facing many of us during the holidays this year. See you next week!
Thanks for stopping by :)
Thursday, December 4, 2008
ONE LAST TURKEY HURRAH!
What we really appreciated about Thanksgiving this year was the fact that meat was the main dish on the menu. We've (like a lot of other folks, I'm sure!) become more creative in how we make a pound of ground beef, or a package of chicken stretch into more than just one meal, so casseroles, skillets, and one-dish meals have become really popular and economical at my house! Here's the recipe. Enjoy!

DIRECTIONS:
WANT SOME HEALTHIER OPTIONS?
Cream of Mushroom Soup: Use the lowfat or fat-free version
Parmesan cheese: Omit the cheese altogether, or use your favorite lite or fat-free version
Milk: Use skim milk, or for a creamier, healthier version, fat free evaporated milk (not condensed)
Sour Cream: Use light or fat free sour cream
Peas: Substitute or add any vegetable of your liking!
Crushed Potato Chips: Fat free and/or low-sodium crackers or dried bread crumbs
Wednesday, November 12, 2008
A Little About Me
Hi, I'm Beth. Thanks to my husband of 20 years, I have the pleasure of being a stay-at-home Mom. With four kids - 3 teenagers and a preteen, our house can get a little crazy!
I am really big on couponing, being healthy and being green. But most importantly, I am totally all about living on a budget. We've distinguished clear boundaries when it comes to 'needs' and 'wants', set our limits on spending, and we stick to it. It's not that we don't allow ourselves any spending money at all, we're just smart about how much we allot for each week and when it's gone - it's gone! No dipping into anywhere else for more!
My kids really keep me on my toes! I've gone from the simpler days of diapering, potty training and bandaging 'boo-boos', to 'Soccer Mom/classroom volunteer/carpooling Mom' mode, to the more challenging times of navigating the complicated issues associated with teens - x4! I'm currently sailing into unchartered seas - my oldest son will be starting college in the fall, and along with that, a whole new set of issues and emotions that go along with it!
Maintaining my sanity hasn't always been easy, but by focusing on the big picture and allowing plenty of laughter to infiltrate our days, life in our little corner of the world has been quite amazing.
Wednesday, May 28, 2008
Recipes!
My favorite foods and recipes are the ones that include ingredients that I most likely already have on hand. I'm not into finding a great recipe that requires me to run out and purchase all kinds of items that I don't have, then it becomes 'not so great', and expensive. Aside from picking up fresh items such as meat or produce, putting something together from things you keep stocked in your pantry is smart and economical. Here's some of my favorites!
Easy Cream of Potato Soup
(As found in the Better Homes and Gardens Limited Edition CookBook, this is totally one of my favorites! Easy to make, I crave it on a cloudy day. Comfort food for sure, and who doesn't have potatoes in their pantry?)
Makes 4 servings. I double this recipe because I definitely like to have leftovers for later!
Ingredients:
5 medium potatoes - peeled, cubed and cooked
1/2 cup chopped onion
1 1/2 cups chicken broth (canned, or from chicken bullion or, if you have chicken flavor ramen noodles in the house, use the flavoring packets from the package and save the noodles for later!)
1 tbsp. butter or margarine
1 tbsp. flour
1/4 tsp. salt
1/4 tsp. dried dill (or your spice of choice)
Dash black pepper
1 cup milk
In a large saucepan, boil potatoes and onions about 15 minutes or until tender. Drain well. Reserve 1 cup cooked vegetables. Blend remaining mixture as directed with 1 1/2 cups chicken broth. Set aside. In same saucepan, melt butter. Stir in flour, seasoning, salt and pepper. Add milk all at once. Cook and stir until slightly thickened and bubbly. Cook and stir for 1 minute more. Stir in the reserved 1 cup potatoes, cook until heated through. If necessary, stir in additional milk to reach desired consistency. If desired, add additional seasonings to taste.
Quick Coffee Cake
(Passed down to me by my mother, who entertains many out-of-town guests, easy to throw together and serve warm, right out of the oven, with coffee)
Preheat oven to 350
Ingredients:
2 cups flour
1 cup sugar
1/2 cup brown sugar
1/2 cup margarine, softened
1 egg
1 cup milk
2 tsp. baking powder
Prepare an 8x8 pan. Stir together dry ingredients, flour and baking powder, in separate bowl. In another bowl, combine sugars and margarine. Add egg and mix well. Alternate adding dry ingredients and milk, blending well. Pour batter into prepared pan.
Topping:
1/2 cup sugar
1/2 cup flour
2 tsp. cinnamon powder
1/4 cup margarine, softened
Combine all ingredients until crumbly. Sprinkle on top of cake batter. Bake for approximately 20 - 25 minutes. Cool slightly and serve warm. Enjoy!
Poppyseed Chicken
(As relayed to me by Kayleen Marble, who herself has 5 children and is an exemplary example of 'frugalness' - she has taught me a thing or two!)
1 container sour cream (16 oz)
1 can cream of chicken or mushroom soup
Stir together in casserole dish and then add approximately 1 TB of poppyseeds to it.
Add cubed chicken – approximately 2-3 breasts of chicken
You can add any extras – I have had it with mushrooms before.
Top with Ritz cracker crumbs and bake in oven at 350 for about 20 minutes – the sides will be bubbly and the top will be brown.
Pour over rice.
Chicken Pockets
(Recipe also by Kayleen Marble)
1 pkg cream cheese – softened
1 cube butter – softened
Stir together and add salt and pepper (I also add some Italian seasoning)
Add cubed chicken to mixture
Take Pillsbury crescents and in each triangle, stretch out and put a spoonful of the mixture. Then wrap up so it is sealed. Each pocket, dip in butter and roll in Italian bread crumbs. Bake in the oven until they are brown ( about 350 degrees for 10-15 minutes)
I make gravy using chicken broth, flour or cornstarch, and water. Add a bit of salt for taste.
Make-at-Home Donuts
Here's what you'll need:
Refrigerated bisquit dough (in the tube)(do not use buttermilk or butter variety)
Oil (for frying)
Powdered Sugar & Milk (for the glaze)
Cocoa Powder (if you want chocolate glaze)
Vanilla
Heat the oil in a pan on a medium setting. Separate the pieces of bisquit dough on a cutting board and slightly flatten and with your fingers. Using the tip of a knife, or a very small, round, cookie cutter, cut circles in the center of the dough to create your donut shape. The circles will become donut holes. Carefully place the dough pieces in the heated oil and fry to a light brown on each side. Place on a cooling rack with a paper towel placed underneath to catch any oil drippings. For the glaze: In a separate bowl, combine 1 cup powdered sugar, 1/4 tsp. vanilla and 1 tbsp milk or orange juice. Stir in additional milk or juice until icing reaches drizzling consistency. If making a chocolate glaze, add 2 tbsp. unsweetened cocoa powder to the powdered sugar and only use milk, no OJ!
Peppermint Bark
(even though I don't keep white chocolate in my pantry year round, I always have it during the holidays!)
Ingredients:
nonstick cooking spray
12 oz semisweet chocolate, chopped (or chips)
1 1/2 lb white chocolate, chopped (do not use chips!)
1 package (7.5 oz) hard peppermint candies, unwrapped
Directions:
Spray a 10 by 15 in. rimmed baking sheet with nonstick cooking spray. Line with a piece of waxed paper, creasing the edges and corners to keep in place.
Crush candies. Use food processor, blender, or simply place candies in a resealable bag and crush into tiny pieces with a rolling pin (wrap a towel around bag before crushing so that candy doesn't pierce the bag). Separate tiny candy pieces from fine powder using a large sifter. Save the peppermint powder for a later time - stir it into a mug of hot chocolate and enjoy!
Place semisweet chocolate in a heatproof bowl set over (not into) a saucepan of simmering water. Heat, stirring occasionally until melted and smooth, about 4 to 6 minutes. Remove from heat and transfer to prepared pan and spread almost to the edges with a spatula. Refrigerate for about 5 min. or until firm.
Melt white chocolate using same method as above. Spread on top of chilled semisweet chocolate.
Sprinkle white chocolate with crushed peppermint candies. Chill until firm, about 20 to 30 min. (No longer than 30 min. as crushed candies will begin to soften!)
Peel waxed paper away from bark. Break into pieces about 2 in. in size.
Store at room temperature for up to 1 week in an airtight container.
Turkey Noodle Casserole
Preheat oven to 375 deg.
Ingredients:
1 1/2 c. cooked, cubed turkey (or chicken, or tuna)
6 oz. egg noodles
1 (10 3/4 oz) can condensed Cream of Mushroom soup
1/2 - 1 tsp. garlic powder (or to taste)
3 - 4 tbsp. parmesan cheese
3/4 c. milk
1/2 c. sour cream
salt and pepper to taste
1 small onion (grated or chopped)
1/2 c. peas (frozen or canned)
1 c. crushed plain potato chips
DIRECTIONS:
1. Use nonstick spray to prepare a 2 qt. casserole dish.
2. Cook egg noodles, drain, and toss with 2 tbsp. butter or margarine. Set aside.
3. In a large saucepan, mix can of Cream of Mushroom soup, milk, sour cream,onion (I use grated because my kids hate the onion 'chunks' in their food!), garlic powder, salt, pepper, parmesan cheese, and peas. Cook over low heatstirring frequently for 15 min.
4. Add cooked, cubed turkey. Combine mixture with cooked egg noodles.
5. Transfer to prepared baking dish. Sprinkle top with crushed, plain potatochips.
6. Bake for about 25 min. or until heated through and bubbly.
WANT SOME HEALTHIER OPTIONS?
Try these substitutions:
Instead of Egg Noodles: "No Yolks" Egg White Noodles (made with egg whites - no cholesterol) or any brand of whole wheat or whole grain noodles
Cream of Mushroom Soup: Use the lowfat or fat-free version Parmesan cheese: Omit the cheese altogether, or use your favorite lite or fat-free version
Milk: Use skim milk, or for a creamier, healthier version, fat free evaporated milk (not condensed)
Sour Cream: Use light or fat free sour cream
Peas: Substitute or add any vegetable of your liking!
Crushed Potato Chips: Fat free and/or low-sodium crackers or dried bread crumbs
Thursday, March 27, 2008
Disclosure Policy
This policy is valid from 27 March 2009
This blog is a personal blog written and edited by me. For questions about this blog, please contact Beth at savvysavingmom@yahoo.com.
This blog does accept forms of cash advertising, sponsorship, or paid topic insertions. We will and do accept and keep free products, services, travel, event tickets, and other forms of compensation from companies and organizations.
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The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.
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