My Top 30 Ways for Saving Money on Food Costs

Thank you to my newest followers, Linnea, a talented photoblogger, Alexie who is a young blogger

and my Russian reader though I don't know your name.  Welcome to all.

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I mentioned in my post here, that I would begin a series on the steps I've been taking to save money. I'm not a financial expert or an advisor of any kind. I'm just a woman trying to be a good steward and use her money wisely so I can bless others as God has blessed me.

I will be presenting my strategies in different areas of expenditure starting with my strategies for saving on food costs.  Just this week, I read that the world's food costs are rising. Some countries have it worse than others. We in North America are still blessed that food costs do not yet eat up the entire monthly income.  Even so, our other costs of living are very high.  Saving on food costs is a great way to try and stretch the dollar.

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1. At home, I make my own coffee and never pay more than $10. for 975 grams of coffee. Folgers or Maxwell House blends are usually the ones on sale. In the past,  I bought the higher priced coffee and ground it myself because I can tell the difference between gourmet and regular coffee. What I have found though, is if you get just the right balance of regular coffee grounds and water and you drink the coffee hot and fresh, you can still get a good cup from Folgers or Maxwell House. I also don't drink as much coffee now so the taste differential is not so important.
2. I make my own muffins with lots of strawberries or blueberries. Buying store bought muffins is way too expensive and they are way too greasy.
3. I buy fresh berries and wash and freeze them for later use. Alternatively, I buy gourmet frozen berries when they on are on sale for at least $3.00 off per bag. These berries are good for making muffins and  smoothies.
4. I bake my own bread on a regular basis, both oven bread and machine bread.
5. I do buy bread from time to time. Sometimes I buy artisan breads but only when it is 50%. I can find marked down bread regularly at my local supermarket and it is fresh enough to use if you eat it within a day or two. I also buy sprouted grain bread on occasion when it is $2.00 or $3.00 a loaf. I freeze it for later use so I only buy 2 loaves at a time if there is room in the freezer.
6. I make a lot of my own treats like cookies and cinnamon rolls. More recently I've learned to make pizza dough and pie dough. Even though I don't make pizza or pie very often, I'm glad I can for those occasions when I want.
   
   

   
7. I buy popcorn kernels for those rare occasions I want to have popcorn. I don't buy the gourmet popcorn or microwave bags of popcorn because of the additives. I just buy regular kernels and pop them the old fashioned way in a pot on the stove top.  I can also use my air popper which has the added advantage of not needing any oil though I do add salt to taste.
8. I buy my own extra virgin olive oil and balsamic vinegar and mix it for dipping artisan bread. Paired with a nice entree like baked salmon and salad, this is positively delicious and a fraction of the cost at a higher end restaurant.
9. I've learned to make some fabulous yet simple salads so I don't have to eat them at a restaurant, especially since I seldom go to restaurants now.  Here is my cantaloupe and shrimp salad.
   
   

   

   
   
10. I've learned to make hummus, salsa and guacamole. This is good for those times when you want a healthy snack with pita bread or nachos. I sometimes make nachos for dinner when I feel like a splurge. I use olives, onions, tomatoes, cooked ground burger and lots of cheese. This is spread over the nacho chips and baked in the oven until the cheese is nicely melted.
11. I buy bulk spices like peppercorns. garam masala and other spices to make my own curry seasonings, etc
12. I purchase bulk legumes (kidney beans, navy beans, garbanzo beans) and soak and cook them ahead of time when I know I want to use some beans. This is much cheaper than buying canned beans and is salt free or at least if you add salt you know what you've added and how much.
13. I do buy certain canned goods if they are in bulk packs, like baked beans, mushroom bits or tomatoes.
    
    

    
14. I make food ahead where possible. I have limits on what I can make ahead due to lack of freezer storage.
15. I use all my leftovers and seldom throw anything out. I sometimes make a new dish out of leftovers but I don't scour cookbooks to get ideas. I'm quite content to simply warm them up and eat.
16. I use all my vegetables before they go bad. I used to waste so much produce because I was never home to cook them and I'd overestimate what I needed.  Nowadays any wasting vegetables will go into the soup pot or juicer.
17. I purchase large packages of meat and fowl, sometimes big slabs of meat that can be cut up and repackaged in the right portions.  Yesterday I purchased a side of center pork loin for just under $31.00.  My educated guess is that I saved approximately the same amount of money I spent by buying this large piece of meat and cutting it up myself.
    
    

    

    

    
    
18. I do not buy organic produce unless it is leafy, like swiss chard or kale.
19. I buy vegetables in bulk and prepare and clean them myself.  I also freeze some for soups.  This makes a considerable savings and takes only a little time to clean and prepare them. All the scraps can be placed in your kitchen compost bin and added to your outdoor compost as needed.
20. If there are luxury food items I want like specialty teas, I will purchase several when they are on sale. This way I don't feel deprived and I won't need to buy any again for a very long time. For example, last week I bought three boxes of specialty tea. The regular price was $4.98 and I think one for $4.59. I got each box for $3.49. I had a savings of just over $4.00 overall. Even one box of these specialty teas cost me less than one fancy tea in the tea shop and I can enjoy tea for weeks and weeks.
    
    

    

    
    
21. I buy 20 kg. of brown rice at a time (we don't use white rice) and it lasts for quite awhile before I have to buy more.  I don't buy it in larger quantities because it would likely go rancid on me and I don't have enough space in the freezer to store it.
22. I only purchase smaller packages of meat when they are on sale so I watch the flyers for my local supermarkets.  One of them usually has a sale on something we can use for the week.
23. I purchase as many food items on sale as possible.  When there is a sale, I might buy 2 or more items at the same time depending on the item. This means I may have to forgo buying something else so I don't automatically purchase more of an item just because is on sale.
24. I make a lot of soups and stews with less expensive meat and fowl (hamburger, turkey and sometimes chicken). This stretches my meat and fowl provisions and also helps me cut back on the amount of meat and fowl I eat.
25. For an inexpensive yet tasty meal that is quick to throw together  I will make a bag of Japanese noodle soup to which I add chopped onions, chopped broccoli and perhaps some zucchini. Sometimes I add a few frozen shrimp or a half can of tuna.
26. Seafood is very expensive where I live.  I have found a place where I can purchase a bag of large, good quality shrimp, for under $5.00. I use these in the soups mentioned above, in a stir fry and in salads.
27. I purchase spices in bulk and refill my spice containers as needed.
28. I purchase nuts in bulk for snacks and for baking.
29. I always buy my eggs at the pharmacy where they are almost half the price of the grocery story.
30. I very seldom buy juice or soda. This is largely due to my diabetes so I try to eat fruit or make my own juice. If I buy a juice or soda drink it must be on sale and I will not drink the diet stuff. The diet stuff is junk and harmful to my body. If I'm going to have a soda it might as well be the real thing.  It has taken me awhile to get to the point of really limiting the soda intake. Now it isn't a problem.
    
    

    

    These two cards of 25 stamps each now entitle me to a $25. gift card which I can use to buy anything in the supermarket, whether it be food or household items, on sale or regular price.  I don't always get to benefit from these kinds of promotions since you have to spend a certain amount of money to get a stamp.  I will not spend for the sake of getting a stamp but if I need to buy something or stock up on something, I will gladly spend it.   This month's shopping has been more expensive than usual as I've had to replenish some things that run out every few months like: olive oil, a large bag of flour, baking powder and baking soda, various bags for wrapping food, large bags of rice and pasta and specialty teas.  I was able to benefit on this promotion since I filled two cards and now I will get $25 instead of  $10 for one card.  It will help with the next grocery bill.

    
    

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    Well there you have it. My list of top 30 strategies for saving money on my food costs. If you have more ideas to add to this list, please share them!

    
    

    Come back again soon for more of my top strategies for saving money and stretching my penny until it snaps :-)

Saving Money

I want to say a big "welcome" to my newest follower Jan. I hope you find something here of value. Please feel free to join in the conversations.  I am honoured you chose to join my blogging family.

Lately, I've been spending time thinking very specifically about the ways I've been learning to save money and stretch my dollar's spending power. I've made a list of the things I've been doing for the last few years and I hope to share them with you soon.  I'm doing this because it helps me to see how far I've come and how many changes I've made along the way.  The changes haven't been difficult.  In fact, many of them have been quite pleasurable. Now that I'm not working, I see saving money and running my household more efficiently as my job. I do it because I no longer have salary increases and my expenses are more or less the same except in a few areas. I do it because I have debt to pay down. I also do it because I want to minimize waste and have money to give to charity, particularly Missions of Hope in Kenya.  As a believer and follower of Christ, I take it as one of my joyful duties to give to my neighbour. Even if I wasn't a believer and follower of Christ, I still would want to help my neighbour.

I'm going to share the things that I've done and maybe it will inspire some of you who don't have a big income or who have gone from a large income to a smaller income, like I have now that I am retired. My hope is that in encouraging you to save money you can help others by giving them a hand up.  So with that little introduction, I will share something simple today and in pictorial format. 

One of the big changes I've made in the last year or so is to buy bulk beans instead of canned beans.  I've always loved beans but been intimidated by making them from scratch even though I knew they were much cheaper.  When I worked I was always super busy and when I had time off it was only enough time to try to clean, shop for food and personal needs and catch my breath.  Nowadays I purchase beans regularly in bulk and use them in a variety of ways.  This small step is not only good for the pocket book but also great for your health since beans are a wonderful source of protein and a great alternative to meat.

Here is a bowl of garbanzo beans I soaked.  I bought these close to where I live.  The unit price was 55 cents.  For cost comparison, it would cost me 75 cents per unit for dried and packaged garbanzo beans in the local grocery store which is actually a few steps further from where I live than the place where I bought these beans.  I can actually probably find these beans for less than 55 cents per unit but that would defeat the purpose since it would take more of time, energy and transport costs.

I am also soaking some kidney beans.  I bought these at the same place where I bought the garbanzo beans and the cost was 35 cents unit.  I forgot to price the packaged kidney beans at the grocery store tonight but am pretty sure these bulk beans are cheaper.

Here I have the kidney beans boiling on the stove. I hope they don't take too long since I have to get to sleep soon. I bought the beans late in the day and so their soaking time has been cut short.

Here are the boiling garbanzo beans. I have them on a gentle roll so they don't break apart. In a taste test they seem almost ready. Looking in on the beans later, I realized oops, I overcooked them a bit, lol.  They'll have to be used for hummus. Yummo1

The kidney beans will be rinsed with cold water after they cool and  be packed in containers and stored in the fridge for use during the week. We use them as an accompaniment to meals, in soups, chilies and salads.

The other thing I like to do to save money and which is also a form of entertainment, is to browse the thrift stores. I donate a fair bit to the thrift stores because I am undergoing a major decluttering effort at my home.  Sometimes though I am the customer and last week I was looking for a doll (more about this in a later post.).  While I was searching for the doll, I came across some brand new clay pots with clay tray bottoms.  I picked them up for $2.00 each which included the trays for catching the water when you water your plants.

At the same time, I found this fabulous clay, glazed garlic storage pot.

I say fabulous because it is in black and matches some of my canisters in the kitchen. Perfect!

And the best part is, it only cost $2.00 and it has never been used.  My guess is that it would cost at least $10.00 in the store.  The clay pots were $2.00 a piece and  I bought two.  The price is the same in the store but I would have to pay another $3.00 plus, for the trays.

Well there you have it.  Some of my small efforts at savings and they were such little steps, enjoyable steps and yet easy to do. I hope you will come again for many other savings strategies I've been using.  In closing, let me say that for years now I've read other people's strategies for saving money.  But I always found the ideas hard to implement.  The ideas always seemed daunting because they related to goals for substantial savings that seemed unreachable, for example: saving $50,000 or more for a down payment on a house or saving some exorbitant sum of money each year that perhaps I didn't have as disposable income.  In the end, I just had to learn that I can only do what I can do at any given time. I can try my best and I can take baby steps. I also had to have goals that were more meaningful to me which included ways to live and have shelter while at the same time, keep giving to missions.  While I was working I also made sure I had insurance and saved money each and every month.   What I was not good at was keeping the credit card balances paid off each month and so that is a key reason I am on restricted spending now.  I hope whatever I've learned might be useful to someone.  Until next time.

Frugal Friday

The thoughts of the diligent tend only to plenty; 

but the thoughts of everyone who is hasty only to poverty. 

Proverbs 21:5

Peering through the rushes. A metaphor for having peered through "cobwebs" and now having clearer vision in these past few years as to excess financial and other waste I engaged in for so many years.

As tax times approaches and efforts abound in this household to pay down debt, I continue to look for ways to squeeze a dollar. The more I save, and the faster I pay down debt, the more I can give to the mission field. In some ways, it seems to me I really overspent the budget this week but in other ways I saved a lot of money and I need to remember that the things I bought this week are not things that I would buy every week or even every month. I don't do these kind of posts very often but now and then I like to take stock of my week's spending and see what I've managed to accomplish. It's a way of holding myself accountable by posting it here.

Thursday at the grocery store I saved:

• $1.10 on a spinach brioche (paid $1.10)
• $. 94 on 2 boxes of baking soda (paid $3.56)
• $3.50 on ready made meatloaf (paid $3.50.  I had a meatloaf sandwich for dinner, an orange and a glass of milk and cup of tea.  I wasn't up to cooking).
• $.51 on a can of cranberry jelly (paid $1.78. I will be making roasted turkey thigh, stuffing and cranberry sauce for dinner tonight).
• $5.42 on 2 boxes of beer battered fillets (paid $11.98 for 12 pieces. Much cheaper than fresh fish or canned).
• $.65 on dry yeast (paid $1.64 as I will make some home made bread soon).
• $2.00 on pane toscano (paid $1.99)

Savings:  Total savings $14.12 Total spending: $38.64.  (after tax)  I earned 3 stamps (and got one bonus stamp from the clerk for a total of 4 stamps). I'm saving toward a book of 25 stamps which will earn me a  $10. gift card toward future food purchases.  I'm actually 6 stamps short of 25 stamps for my second card.  I have just over a week to collect them. I might make it but I won't buy stuff at that store just to get a stamp. If I save 50 stamps, I get $25 gift card toward food purchases and that will be a big help.  I didn't buy any toilet paper today as it is still too expensive. Fortunately, I have enough for awhile. Hopefully it will be on sale this weekend somewhere.  I purchased 10 kg of flour earlier this week for just under $9.00 which is a savings of about $5.00 given the exorbitant increase in flour costs. I haven't purchased a big bag of flour like this since last Fall but this will enable me to make fresh bread now and then.

I also spent just over $30.00 the day before yesterday on fruits (bananas & lemons) and mostly veggies (snow peas, broccoli, purple yams, sweet potatoes, zucchini, tomatoes, kale, baby bok choy and a few odds and ends.  No real savings here as I simply look for the produce that is less expensive and try to limit the higher cost items if I need any.

Sunday I went to the drug store and spent $86.54 (tax was almost $7.00) on the purchase of 22 items all of which were on sale. This is a very steep bill I know.  But as I said, all of the items were on sale and the savings was anywhere from 60 cents to $9.00 on each item so it was a hefty savings overall. Unfortunately, the way the bill is written, it doesn't help me reconstruct for you and list, the original prices and the savings on each item.

I probably won't need to get anything at the pharmacy again for quite some time except for maybe toilet paper if it goes on sale and my medications.  I did get a $20.00 gift card back for gas at ESSO. I gave the card to my nephew who is saving for a return to university studies.  My purchases at this store give me points toward future discounts on purchases. It will take me several more months by the look of things before I earn a $10.00 discount. Again, it doesn't pay to buy things just to earn the points, unless the store is holding a promotion to multiply your points. Sometimes they double points and once in a long while they give you 10x the points. This is a really great time to buy if you need the items because you quickly earn some money back on those things you need to buy.

Other frugal acts this week:

• bought the smallest popcorn and drink at the movie theatre and took my own orange and water in my handbag).
• saved energy (turned off computer each night, turned off all the lights when not in use, cut down on loads of laundry)
• cut up a natural coloured twill sofa cover. I'm going to repurpose it as cushion covers for a number of European pillows I have and use as cushions for the sofa.

The cotton twill sofa slipcover after it was cut into pieces and washed. Buying this as fabric to cover cushions would cost me $22.00 per meter up the street.  I've saved myself from having to buy any fabric and I have meters and meters of it now.

• did laundry with my home made laundry detergent.
• read a book I bought at the thrift store.
• worked on impulse control. It seems this week I've really had a lot of temptations for sweets and drinks.  Every time I went out to buy food and necessities, I had an urge to stop at Starbucks and get a coffee and usually that means a treat also (approximate cost $5.50), stop at a local diner for dinner ($10.00 for a cheap dinner) or stop somewhere for  a coke ($2.00) or a tea (anywhere from $2.50 -$5.00 depending on whether it was a regular tea or a fancy specialty tea).  I resisted each and every time. This is great progress for me and I figure I saved myself from spending about $25.00

I'm not sure what my total savings are for the week. However, I can see that the new habits I started trying to form some time back, are now becoming second nature to me. I'm learning new habits and it feels good. I think these habits will stand me in good stead because food and other costs are only expected to go higher.

Wishful thinking about spring flowers.

I wanted to make a mention of the late night news Thursday about the devastation in Japan as a result of a powerful Sendai earthquake  (and now today there is breaking news that a quake 6.6 hit Nagano, Japan). Many other countries along the Pacific Rim were on high tsunami alert and even the coastal regions where I live were on tsunami advisory. I've heard from one blogger friend in Japan (see comment section) and thank God she is fine. I've also just read on the internet that the tsunami once it reached Hawaii was small.  Thank you God!! Prayers and thoughts continue to be with all those affected.  Love and hugs. xx

A Busy Day or Two

I woke up a bit earlyish for me on a Saturday. It was likely because I had a long nap late yesterday and went to sleep at a reasonable hour. This after two nights of little sleep.

I've been fighting a cold and when I went to sleep last night there was a great wind flapping up and expected rain in the forecast. I awoke this morning to rain and cloudy skies.  I stocked up on some cooking items earlier this week so I could do some baking this weekend.  This morning I got started.

For lunch I made some pot barley and beef soup.  It was quite good. and I calculated the rough cost of each serving at about $1.40 Canadian but these are huge servings.  The soup bones were not cheap.  A package of 4 small bones was almost $3.50.  Even so it was a much better deal than buying a bowl of soup in the family restaurant across the street. You can see the fat at the top from the marrow in the bones. I love marrow with a bit of salt on it.  For some people though this is probably WAY too fattening.  If you don't eat it often, this isn't a problem unless your doctor says so.

I also have some bread dough on the rise for making the two loaf bread I made earlier this week.  See here for my earlier attempt.

I also made some pie crust from a recipe I found on a blog.  I have never been good at making pie crust even with a no fail recipe so I hope this attempt will work better.  In fact, I prefer making and eating cakes or cookies to making pies.  But this weekend is the Canadian Thanksgiving and I plan to make a pumpkin pie to go along with the turkey dinner.  If I have some extra time after laundry and cleaning I am going to make some freezer pizza dough and some Hershey's chocolate chip cookies, also for the freezer for snacks later in the week.

I also managed to make two more kitchen dishcloths to add to the one I made earlier in the week. These ones are rather a loose weave compared to the ones I used to make. I enjoyed whipping these out and will use one of them shortly to "test" the weave and tension.

I also managed to make one round of my doily. I didn't get as far as I'd like and I still have six rounds to go but will likely finish it soon.

 

Finally, I got started on a book I've been meaning to read for awhile, The Pillars of the Earth. I get all my books at the thrift store these days so this is always a great bargain.  It is 973 pages long so that should keep me busy for awhile.

I always feel content when I am able to keep my hands busy, soothe my soul, save money and improve my mind.

When do you feel content?  

Update: I did some of washing up after mixing and baking. I used the  new dishcloth and it works perfectly. The bigger open weave seems to be better suited for washing up than the tighter, smaller weave.  This is a pleasant surprise. 

I hope you are enjoying your week and weekend.

Making Powdered Laundry Detergent

Hi friends,

Some of you will remember my first foray into making liquid laundry detergent. I've used about half or just under half of it so far and it is working very well. It doesn't suds at all but that doesn't affect it's cleansing properties. I've even started hanging out clothes to dry on the patio as a way of saving on electricity costs and doing my part to go green.

My mother has been having a lot of skin issues which have baffled the doctors and her skin is extremely sensitive so we thought I should make her some powdered detergent. This is the recipe I used.

Powdered Laundry Detergent:

- 2 cups Washing Soda (I get mine in the laundry section of a local food supermarket).
- 1 cup of Borax (I get this at another food supermarket which is closer to my house than where I buy the Washing Soda).
- 1 1/2 bars of Sunlight Bar Soap (If you don't have Sunlight and you are in Canada, you can use the Ivory Bar soap. In other countries, I understand people use Zote, purchased in Mexican food shops or Fels Naphta).  If none of these are available in your area, have a look on line and order that way.

The process is rather simple. You simply mix the washing soda and the borax together. I then shred the Sunlight Bar soap in my food processor and all it to the powdered mixture and shake it well to mix it evenly. If you do not have a food processor you can grate it all up with a hand grater. It will just take longer.
Now store the mixture in a jar or a plastic baggie. When you want to do your laundry you use only 2 tablespoons of this mixture.

I've never made this detergent before but it is a variation of the same recipe that many others use and post on line so I'm sure it will work quite well. I didn't do the cost calculations per load this time but I may add them  later.

Next, I will be making bar soap for washing my face and body and I hope to post about it in future. I have been scouring the local shops to find lye which is one of the key ingredients. I've found a supply but I've also read on line that the lye is of inconsistent quality. I will probably try it anyway and see for myself. Otherwise my only option would be to purchase the lye on line which will increase the cost.

Frugal Blue Monday & Ruby Tuesday

Well it is officially Monday and I've done it at last!  Made my own laundry detergent that is. I have had the ingredients of which there are few, for some months now but just never felt up to grating the bar soap that goes into. lol

So the other day I finally got a long desired purchase of a 10 cup food processor. I've wanted it to slice and chop vegetables mostly for salads and various things but I also want it for shredding up the bar soap for my detergent.  I got to use the processor today and  boy did it ever do a wonderful job of shredding up the soap for my home made laundry detergent. Sorry I didn't get a photo of it for you. I thought of taking pictures after I was well underway with the soap making exercise.

First off, there are many recipes for making your own laundry detergent on the internet. I used this website.
and this recipe:

INGREDIENTS:

 Hot water
1 cup Washing Soda
1/2 cup Borax

1  bar of Ivory soap

See the "blues" for Blue Monday

Grate the bar soap and add to a large saucepan with hot water. Stir over medium-low heat until soap dissolves and is melted. Most recipes call for FelsNaptha and Zote soap but you can use Ivory soap or Sunlight bar soap if you are in Canada.

Fill a 10 gallon pail half full of hot water. Add the melted soap, Borax and Washing soda, stir well until all powder is dissolved. Top the pail up with more hot water.

I used a  nice ruby red bucket. Check out Ruby Tuesday here.

Use 1 cup per load, stirring soap before each use (will gel).

Total Cost for all the Ingredients:

I bought 2 kg. Washing Soda for $4.99  (Canadian)

One large bar of Ivory soap was $.79 cents (Canadian)

1 2kg. box of Borax is about $5.99 (Canadian).

Total: $11.77 (Canadian)

I used only one cup of washing soda and half a cup of Borax and the entire bar of Ivory soap. There is still enough Washing Soda and Borax for many more batches of soap. As I am not into calculating everything down to a science, I would simply guesstimate about 10-12 more batches of soap can be made with the remaining Washing Soda and probably double that for the Borax.

Approximate cost of making my batch of detergent: 

$.38-49 cents  worth of Washing Soda used

$.79 cents bar soap used

$.23 - $.28 cents worth of  Borax used

Total: $1.40 - $1.56 worth of ingredients for 10 gallons of detergent or

14-16 cents per gallon.
This works out to approximately 160 loads of laundry (16 cups in each gallon x 10 and you use 1 cup of detergent per load) or 1.4 or 1.6 cents per load.

I've filled 6 empty liquid laundry detergent bottles which are just under 2 litres each and still  have half a bucket of detergent.

I didn't calculate the water cost or the electrical cost as that would be next to near impossible for me to determine.  I figure those costs are balanced by the energy savings to me of having to carry home heavy bottles of laundry detergent and the time it takes out of my week.  I hope that not only will making my own laundry detergent be good for the pocket book but also good for the environment. My detergent will sit over night to gel and be ready for use on Tuesday.

Would you be willing to  make home made laundry detergent or bar soap? Perhaps you already are. It seems that many bloggers are making a lot of things from scratch and that is, as Martha Stewart says, " a good thing".

In future I also plan to make bar soap and scented soaps. I met a wonderful blogger named Gerry who has a blog devoted to soap making which you can check out here. I'm hoping to try out her recipes and tips myself.

Savings in April

The earth is the Lord's, and the fullness thereof; 
the world, and they that dwell therein.

Psalm 24:1 KJV

Some of you read my post on saving money in March. If you haven't already and you would like to read it, you can do so here.  I wasn't going to do another post about savings this month but I had a couple of really great cost savings and I wanted to share.

Over the weekend I was lamenting the bare freezer and lack of meat in it for my roommate who eats a lot. Also the coffers were quite bare and wouldn't take much of a hit. There was virtually nothing on sale last weekend meat-wise or food wise. Since I've been sick with cold all week I didn't have much time to address my mind to how to solve this problem. Well God is good.

After reviewing last weekend's flyers and finding nothing, I was so blessed this week to find chicken on a great sale. Chicken legs (drumstick and thigh) were on sale for $1.00 a pound. This is a virtually unheard of price so I sent my roommie off to the store to bring home about 33 pounds of chicken.

This has now all been re-packaged into servings for two and there are also 3 larger packages for making larger dinners ahead of time or for inviting someone over.  Altogether I counted 20 packages of chicken.  Tomorrow we may get more to fill up the rest of the freezer.  This protein source will be supplemented with pulses like chick peas, navy beans and kidney beans and a few other meats like minced beef and a bit of pork.

On the top and bottom are the bags of chicken, red items on the right are bags of buckwheat to put on tired muscles, bags of ice and frozen fruit for smoothies on far left.

Normally, I try to make oat porridge and this month I have added Cream of Wheat to the stocks.  But I also like to have cold cereals on hand for those days when I want a change. I was able to purchase these two boxes of cereal (below) for $2.99 each. This is a savings of almost $3.00 per box of cereal.  The box of cheerios is made of whole grain wheat and the bran flakes are full of fibre.  For other wheat type products I hope to buy 5 kg. of flour for $6.99.

Flour as well as many other staples like meat have really soared in price over the last many months. I don't know exactly when it happened but it is certainly noticeable at the food stores.  Sometimes the cost of steak, chicken, and other meats/fowl is more than double to what it was selling for over the summer even.  Flour has also doubled in price so I do not buy it unless it is on sale. I remember when I could purchase 10 kg. of flour for about $10.99 and you now pay that for half the amount of flour. Has this happened where you live too?  I think it is a world wide phenomena. I'd heard that pasta prices were going up long ago due to the cost of wheat and semolina flour much of which comes from Canada but I don't know how the prices have increased in other countries as a result.

I like having fresh fruit on hand but always look for it on sale. Here is a box of clam shell strawberries for $2.98 (I often get them for $2.50 a box) and a bag of red grapes for $2.45. I won't pay more than $1.99 per pound of grapes and they don't come often at this price. I got these ones for $1.50 per pound. Perhaps I should have bought a bit more and freeze some for snacks. They are good cold. Have you ever eaten them that way?

I like avocados in a vegetable sandwich or in a salad and in home made guacamole though I haven't made the latter in a long time. I thought 3 avocados for $2.00 was a fantastic buy as they are often $1.50 per avocado.

 

I also got 5 large lemons for $2.00. I like using lemons in cooking and in adding to tea or coca cola to cut the sweetness. Other good deals this week were two packages of chocolate chips for $2.50 per package.  These will be great for making cookies and/or squares. Another good deal was a small package of dry salt pork for $1.78 for the next time I want to make baked beans.

I was also able to replenish paper towels at 6 rolls (70 sheets per roll) for $4.99.  I prefer at least 80 sheets per roll but you get what you can, when you can. Toilet paper stock was added to by purchasing 12 double rolls of 270 sheets per roll. This paper cost about $5.99 on sale and is made from recycled paper.

In surfing the websites I like to frequent, I was directed to this video and this short, thought-provoking article entitled "Are You an Over-Buyer or an Under-Buyer".  I enjoyed it a lot and thought you might too so you can find it here.  I know I am most certainly an over-buyer which is why I have clutter. I like to be prepared for all things and sometimes take it a little too far. As the woman says, one "type" is not better than the other. We each have our challenges and I am trying not to overbuy where it isn't necessary.

In my earlier post on savings I mentioned that I hadn't yet got around to seeking a reduced interest rate on my credit cards.  Well I did get up the effort this month on one card.  The bank agreed and brought down my interest from 12.99 percent to just under 6%. Can you believe it? That is more than a 50% reduction in interest rate and I could have had it much sooner. I hadn't realized until I made the call that I was on a fixed interest rate, not a variable one. I feel blessed for having found this out. While I know that interest rates are intended to go up, it is not likely to affect this credit card rate anytime soon. At least I will have some breathing room on the interest accruing on the unpaid balance.

I added about $2.80 to the Snowflake Jar Fund. When it reaches $200.00 I hope to help a woman entrepreneur in Kenya to expand her business by giving her a loan. Once she pays back the fund, it will be re-loaned to another woman and so on. The challenge will be to find women who can benefit from a loan this small as Kenya is fast becoming a very expensive country.  This will be my little contribution to helping women in the developing world.  I'd love to have you join me in this if it is something you would be interested in. Write me and I can tell you more.

Saving Pennies in March

I continue to try and cut daily and monthly living costs wherever possible and to save money on food in various ways so I can pay down my debts as quickly as possible. I haven't kept a journal of what I am doing but in thinking about little ways I've saved money this month here is what I remember.

Food Savings

~ I purchased flats of canned mushrooms, canned beans and kernel corn. I usually purchase these in individual cans which is not very cost effective so I don't buy them as often as I would like. After doing a cost per can analysis, I purchased these particular canned goods because they are staples in good home cooking and because the price ended up being between 82 and 88 cents per can.  The savings is about a 17 to 86 cent savings per can depending on where I buy them so I think I got quite a bargain.

~ Of course dried goods purchased in bulk are even less expensive than canned goods on sale. I purchased dried garbanzo beans (chick peas) which cost about a third the cost of canned beans when I am able to buy them in bulk. I soaked and cooked the beans to be used in making a couple of meals. I also used garbanzo beans to make a red pepper hummus this week.  The other beans I soaked and cooked were navy beans for use in the boston baked beans dish I made earlier in the month.
~ I shopped the flyers and was able to purchase, beef roast, chicken drumsticks and whole chickens, all for less than $2.00 per pound or $4.35 cents per kilogram. These are excellent prices for meat and it is not usual to get this good price in my neighbourhood. I always try to buy more meat when it is on sale. Then I cut it and re-package it into portions for cooking. Out of one package of meat, I can usually get 2 or 3 meals to feed 2 people and one of the people is a very large eater. Once I get a small freezer I will be able to buy more meat ahead of time, and also freeze soups and cooked meals for warming.
~ I shopped the flyers each week. This past week I was able to keep the cost of a 12 pack of double roll toilet paper and a pack of 6 roll paper towels to less than $5.00 a package. I like to buy 2 ply toilet paper with at least 250 sheets per roll and paper towels with at least 80 sheets per roll. One hundred (100 ) sheets is preferable but they are sometimes not available. I always do the cost analysis of each roll of toilet paper and paper towel in order to get the best buy. Fortunately paper products are generally on sale at one of the several places where I buy them in the neighbourhood.

~ I made snacks at home this month rather than buy them ready made. I made a batch of chocolate chip and raisin cookies, a batch of cinnamon rolls and some red pepper hummus for spreading on crackers or dipping tortilla chips.

~ I bought some bulk spice to make my own spice mixtures and arrowroot for baking. These ones are pre-packed in small convenient packs and are much less expensive than those in the food stores that come in cans or small glass jars.

Clothing Savings

~ I spent $100 on 2 pair of pants and got $25 back, plus a $40 coupon for spending in April.  I also get points from this purchase toward a gift certificate. I often shop for my niece and my mom at this store as well so it is easy to rack up the points toward a gift certificate. After I shop about 4 or 5 times at this store I have enough points for a $25. off coupon. The coupon comes in handy for buying undergarments or sleepwear for myself or family members and the coupons are valid for up to one year.

Household Savings

~ These next few 'savings' could also be deemed to be bad purchases. I choose to look at them as purchases returned which ultimately saved me money. I bought and returned a personal purchase of much needed undergarments for $186. and taxes. I purchased from afar and the items didn't fit so I returned them. I also purchased a new bedspread for my niece who has recently moved. I found the package was missing the cushion and pillow sham so these purchases were also returned for a "savings" of $60. and taxes. I also bought a 5 drawer cart on wheels. It was on sale for $19 and taxes (half price). When I got it home and turned it over, it had a big hole in it so back it went to the store. These purchases were headaches because they did not pan out and wasted my time as well as the cost of return shipping in the first instance and the cost of return bus fare in the other two cases. If I look at it from a positive perspective, I feel like I saved myself from making about $300. worth of purchases. If I still need these items later (example the undergarments), I can purchase what I need later. I also learned that I will no longer be shopping at this one particular store where I had to return the items. It is not the first time I have had problems with purchases where I get something home only to find out later that something is missing from the package. It is regrettable as this used to be one of my favourite stores to get good value for the dollar.
~ I switched one set of bathroom lights to energy saving bulbs and I also have a new fixture which uses 3 bulbs instead of 8. I am not sure what the total cost savings is but I know there will be some. This is also a move toward green living. The only thing I am concerned about is the toxic mercury contained in the bulbs. I hope I never break one!
~I unplugged several of my appliances and now now I totally shut down the computer each night. Apparently all this saves energy (phantom energy use).
~ There were a few days that it was quite cool in my home. I turned on the ceramic heater rather than the household electrical heat. This little heater is more efficient than the household heat and I can direct the heat to where I need it.

Miscellaneous

~ I haven't yet got around to asking for lower interest rate on my current credit cards and I haven't been able to find a 0% credit card like some bloggers write about when recommending how to get out of debt. However, I did find a credit card with 1% cash back and 1.99 % introductory interest rate for balance transfers. I don't usually go for these kinds of deals because the interest after the introductory period is usually quite high. In this case however, I get an introductory period of 10 months which I think is quite generous. So I'm going to transfer a sum of debt that I can pay off in 10 months and then not use this card at all except for perhaps paying utilities which would then get paid right away on the card. The only thing I did not like was needing to apply for this credit card because it will affect my credit rating but I felt I could save on a lot of interest payments over the 10 month introductory period. The key will be making sure I don't use the credit card other than for saving interest on paying down my debt.
~ I was able to save $10. on Celadrin, an herbal supplement I wanted to try for aches and pains of arthritis.

~ I saved 40 cents on sending a small parcel and another 40 cents on sending a Money Gram. I will add the 80 cent savings to my Snowflake Jar fund.

~ I returned bottles to the bottle depot ($1.70) and saved another 80 cents in posting a parcel and sending a Money Gram. I added these small savings to my new Snowflake Jar fund (see sidebar to the right). This fund was started by gathering my loose change from January, February and March. Most of what I add to this fund will be from bottle returns and a little loose change here and there. As of today the Snowflake jar contains $19.79 Canadian.  When I have built up this fund to $200, I will use it to start a micro finance project for a woman in Kericho, Kenya under the  auspices of the Missions of Hope.
~ I saved $2.75 on a bus fare yesterday. The nice bus driver saw me loaded down with bags of food and he let me take a seat without putting my money in the token box. That was a blessing :-). I purchase tickets for the bus so this saves my ticket for another day's use.

All in all, I am pleased with what I was able to do this month. I will endeavour to keep up the small steps each month to save money, reduce debt and reduce energy consumption.

Those Pesky Pills

Those pesky pills that appear on clothing are equally annoying with towels. I recently purchased 4 new towels on saturday, two dark blue ones and two tan coloured ones. In my rush to launder them I put them in the washing machine together. Big mistake! All the towels have pilling all over them.

Thankfully I have a trusty gadget which I purchased many years ago. I am not sure the name of it so I will simply call it a pill remover. Usually these are small gadgets that fit in your hand but this one is rather large. I am so glad I purchased it. Though I don't use it that often, it has more than paid for itself over the years.

I took a photo of the pilling on my dark towels and the pill remover. You can see that the pills are rather large.

After several minutes of moving this gadget all over the towel (as if you are mowing the cotton threads), the towels are looking better. I have completed removing the pills from the tan coloured towel and have half finished the darker ones. I will continue in the morning with the better light.

You can see in the photo above that the "catcher" in the pill remover has captured all the dark blue fuzz.

I am so happy for having this gadget. It not only saved me the frustration of removing the pills painstakingly by hand (or with some sticky tape wrapped around my hand) but also saved me from losing the clean look of my new towels.

I would be interested in knowing what method you use to remove pills from your towels or sweaters.