Budget

  • Fresh & Healthy: Community Supported Farms

    The past few weeks I have been reading about ways to eat healthier and along the way I discovered CSA’s (which stands for Community Supported Farms).  Although I have heard a little about them a couple times this was the first time I seriously considered joining one.  As I was researching more about the local farmers and various programs I decided to contact a couple in our area and find out more information.  It was interesting because some farms I never heard a word back from and others I have had several emails back and forth.  After much thought and research we decided as a family to try a CSA program this year and see how it goes.  I am VERY excited to participate and learn even more.  The girls are thrilled they get to go spend some time on a local farm and eat fresh veggies.  I am still growing some veggies in our garden at home, but I am really looking forward to getting fresh local produce from an area farm.

    What is a CSA? It stands for Community Supported Agriculture and has been around for about 20 years.  CSA allows consumers to buy local, seasonal and fresh produce directly from the farmer.  The farmer gives “shares” to the public (ie box, bag, or basket of vegetables, fruit, eggs, and a variety of other farm products).  Consumers prepays for shares or a partial shares for that years crops.  The consumers then receive a box of seasonal produce weekly throughout the season (usually around 20 weeks for the summer and 10 weeks for the winter season in our area).

    Why is it beneficial?

    • Fresh locally grown produce for your family
    • An adventure in trying new produce and recipes
    • The seasonal produce you receive will be fresh and ripe
    • The opportunity to visit the farm where you produce is grown
    • Fresh and healthy produce for your family to enjoy
    • Organic farming (if this is important to you please confirm with the farm you chose before committing, each farm is different)
    • Educational for the kids to see the produce being grown
    • Direct connection with a local farmer
    • More variety of produce on the menu and at the family table
    • Farmers can market and sell their crops before production
    • Increases the cash flow for the farm during planting season
    • Some farms include eggs, bread, meat, cheese, flowers, local honey, and more.
    • Most farms allow you the opportunity to pick what size of share you want (Whole Share, Half Share, Quarter Share, etc…)
    • Many farms have multiple drop off locations and times as well.
    • And more great benefits!

    The benefits really are mutual between the farmer and the consumer.  I hope to share more of the benefits of being involved in a CSA as we have the opportunity to experience more.  Right now our farm has several items planted and we are just waiting for them to grow so we can enjoy the delicious food!  One of the reasons we made the decision to join a CSA is we looked over a budget and realized that some weeks we were spending more than half of our grocery money on fruits and vegetables since we are trying to eat healthier.  When we spread the cost of a CSA over a season we would actually be saving money as a family.  This is our first year so we haven’t discovered exactly how everything works but we hope to share our experience with you!

    Are there any risks? It wouldn’t be fair to share the benefits without warning you of the risks as well.

    • Shared Risk – you are investing in a crop prior to the farmer raising it so there is a possibility that they could have drought, flood, hailstorm, or insect issues during the season, however, most farms plant a variety of crops so you’ll most likely just get more of another produce, but there is no “guarantees”  At the same time they could have a bountiful production year!
    • The farm will probably not raise every produce your family eats (ie. if your family likes mushrooms but the farm doesn’t grow mushrooms you’ll still have to purchase those items in the store)
    • Most farms are family run so if there is something unexpected in the family it could affect you as well.
    • Some of the produce may be “unique” or unlike the items you buy in the grocery store.  If you like trying new items this is a benefit but if you only like 5 different kinds of veggies or are really picky it may not be the best fit for you
    • When you get different types of produce you’ll have the opportunity to try out new recipes, this could be a huge benefit for some people but if you are not comfortable cooking or trying new recipes make sure to consider that as well.

    If you are interested in joining or learning more about a CSA in your areas you can learn more about it at Local Harvest and click on the CSA tab.  Under the map on the right side of the page you can enter your zip code and find local farms in your area.  Another wonderful feature that was beneficial for us in deciding which farm to consider was the reviews on the local farms participating.  It is always good to know that other customers have been satisfied before spending your money.

    We are excited about the local farm we picked to join.  If you are in Upstate, South Carolina area and are wanting to do this as well let me know which farm you chose in a comment below or send me an email and we may be able to coordinate pick up from week to week to save each other a little extra on gas.  Have you ever been part of a CSA program?  What did you like / dislike about the program?

    Photo by Nick Saltmarsh

  • Living on a Budget: Groceries $40 for 4

    Groceries from CVS, Walgreens, & RiteAid

    It was my first week of doing my new cash budget system – Groceries $40 for 4.   Although it has been a learning process the week has gone pretty well so far.  Since this my first week am I still testing the water and we continue trying to utilize the food we already have in our pantry and freezer.  Here is my grocery spending for the week:

    • $1.61 at Walgreens for 2 cans of Mandarin Oranges and 1 can of Mushrooms
    • $7.96 at RiteAid for a gallon of Milk, 2 packs of Cheese, 1 container of Sour Cream
    • $3.72 at CVS for a 24 pack of Bottled Water and 2 boxes of Popcorn

     

    Groceries from Ingles and CVS!
    • $1.98 at CVS for another 24 pack of Bottled Water (Jake should be set for a little bit!) & Free Mike-n-Ikes Candy!
    • $10.00 at Ingles for Strawberries, Oranges, Tangerines, Onion, Seafood, and Apples.
    Groceries from Aldi's
    • $14.06 at Aldi’s for Pineapple’s ($0.99 each), Salmon Fillets, 2 Cheese Packages, Cucumber, Bananas, Cheese sticks,  and Celery.

    It was our first week of the challenge – Groceries $40 for 4 and we spent $39.33 so we were very close to going over.  I was disappointed to see RiteAid’s milk spike up this week, but thrilled to get the 24 packs of water for $1.98 as well as some fresh fruit and veggies on sale.  I used some coupons, bought clearance items, and utilized weekly ad discounts to help save us a little extra on our grocery budget.  Since it was my first week I was testing the water and hope to do better next week now that we have replenished our fruit and veggie drawers.  We’ll see how I do!

    I hope to give you regular updates on this budget section so you can celebrate the good weeks with me and thump me on the bad weeks!  As always you are welcomed to join the journey with me.  I would love to hear your story and how you are doing too.  I hope by taking the extra time to watch my grocery spending it will allow us to feed our family, enjoy life, and yet stay on track with our budget.

    Living on a Budget is a series of ways our family uses a budget to help keep us accountable with our finances.  Life doesn’t always go as planned.  We have used some of the ideas I will be sharing for years while others are ones we are just starting to implement as we continue finding ways to be creative and have fun with what we have been given.  Having a plan in place allows us the freedom to be smart with what we have been given, get more creative when it is a tight (week, month, year or a season) and when necessary live a much more simplified life.  A budget helps us stay on track so we have more opportunities to enjoy the many blessings we have been given as well as share what we have with others.  There is so much more to life than having all the stuff.  We may not have the newest or greatest items in our house, we drive used cars, and wear hand-me-down clothing…..however, if our family is taken care of and have love for each other and others we have more than all the riches in the world.

  • Life Simplified: No Grocery Shopping (Update)

    We are now well  into week four of my no grocery shopping challenge for the month of January 2011.  It is time for me to give you an update so you can continue to keep me accountable.  Last week was an easy one for us because we were not at home, my husband and I had the privilege of going on a cruise with extended family and the girls were staying with friends. We did take food over with the girls but we didn’t have to buy any essentials or perishable items while we were away.

    Before leaving for vacation we ate the leftovers and most of the perishables in our refrigerator.  This week was the first time this month I had to pick up several perishable items.  Other than a gallon or two of milk a week we have been doing really well.  So far we have purchased 5 gallons of milk for the month of January.  Thankfully all the groceries I purchased this week were marked down except for the gallon of milk I paid $2.99 for at Save A Lot.  Here are the groceries I bought this week at Save A Lot | Rite Aid to restock the perishables in our fridge:

    • Ground Hamburger – $6.39 markdown to $3.18
    • Cube Steaks – $3.14 markdown to $1.59
    • 2 Yogurts – $0.50 markdown to $0.25 each
    • French Onion Dip – $1.29 markdown to $0.64
    • Cottage Cheese (24 oz) – $2.25 markdown to $1.12
    • Flour Tortillas – $0.99 markdown to $0.49

    I spent a total of $7.52 including tax.  By only purchasing the markdown items I was able to save over $8 on the perishable items we needed for our family.  With the exception of the french onion dip everything would meet my criteria of a necessity for our household.  Every home has different perishable items they need to keep in stock; meat and diary fit into that category for us (within reason), although, I have been trying to cut down on the amount I purchase to make sure we really do use the items already in stock.  Fruits and veggies are ones I would consider necessary too (in moderation), however, we are still using up the ones we had from several weeks ago as well as those we froze from the garden this summer.   The french onion dip is one I felt the most “guilty” about buying but since it was $0.64 for a large container and we are going to a Super Bowl party outside our home it technically falls under my criteria of  “for Someone Else outside of my household” (I may be stretching that criteria a little). Even though it was a good bargain and it is for people outside of my home I probably could have made something from scratch with the items already in my pantry.

    I am hoping these will be the last items we have to purchase for the month of January (with an exception to milk) and maybe even into February if I am really lucky.  These groceries should last at least a couple weeks when we put them together with the food we already have in our freezer and pantry!  So far I haven’t done too bad with the challenge.  I have had to pass up on a couple really great deals, but the point is to use the items in stock before buying more.

    I will continue to share with you the challenges, successes and what I had to purchase so you can keep me accountable or even go through the journey with me by participating  and sharing your story.  I would love to extend this goal into February if I can make our pantry stretch!

    Life Simplified is a series on getting rid of the extras in our life while learning how to enjoy what God has given us so we can continue to be a blessing to others.  Our homes can quickly start are bursting with “stuff”  and if you are like us we just have too much.  I am doing a series on ways we are learning to simplifying our food, homes, and lives.  When our hearts, lives, and homes get too cluttered we may start missing out on opportunities to serve and bless the people around us.

  • Gift Giving: Homemade Handprint Ornaments

    Are you looking for great gifts to give but are on a tight budget?   This is a simple recipe that uses a few items from your pantry and makes a thoughtful Christmas Gift.  Last year for Christmas gifts we made Homemade Cinnamon Handprints for Grandparents, Aunts, Uncles, and extended family members.  They were inexpensive, easy to do, and the girls had a lot of fun. You probably have all the ingredients already.

    Cinnamon Handprint Ornaments:

    • 2 cups Flour
    • 1 cup Salt
    • 5 teaspoons Cinnamon
    • 3/4 cup Water

    Combine dry ingredients in a bowl.  Stir in water gradually to make dough.  If it is sticking to your hands, add more flour or if it is too crumbling add more water.  Knead dough for approximately 8 minutes until smooth.  Refrigerate for 30 minutes.  Roll out dough to desired thickness (typically between 1/4 to 3/4 inches thick).

    We used a football cookie cutter for the oval (you can use a circle or anything big enough that they can fit their hands in) than lightly floured their hands before making a slight indention on the clay.  We took a stamp and pressed their first initial in the bottom of each palm to help us remember who it belonged to.  Since my girls are twins their hand sizes are almost the same!

    After making the handprint in the clay use a straw to make a hole in the top so you can hang the ornament.

    Bake at 325 degrees for 45 minutes to 1 1/2 hour.  (Thicker dough will take longer to bake).  They are done when the clay is dry, you notice a slight change in color.  Cool and add a ribbon of your choice!

    Optional: Once cooled you can use spray on polyurethane for extra shine.

    Ours still smell great even after a year.  We made more than one batch since we have a large family but you can do as many as you want.  With the extra dough we made Christmas ornaments so we could hang them on the tree.

  • Date Night on a Budget – Babysitting Fees

    Do you enjoy having the opportunity to share some quiet time with your spouse?  Would you do it more if it cost less?  By the time you pay the baby sitter, go out for a meal, and an activity your budget is blown.  We have found some ways that have helped us cut down on the expense of going out while allowing us to still have fun.  One of the first and sometimes the most expensive costs of going on a date is the babysitter.  We LOVE our babysitters but the hours and expense add up quickly over the course of one evening especially on a tight budget.

    Here are a few ways to save on the babysitting costs so you can relax when you go on your date:

    1.  Free Babysitting  Options

    • Grandparents may be able to watch your sweet little one(s) once a month.    Most grandparents enjoy the opportunity to spend time with the children and are thrilled that you are focusing on strengthening your marriage at the same time.
    • Aunt or Cousin or another family member who is nearby will often watch the kids once a month so you can have some time to relax with your spouse.  Have you asked?  You may be surprised at how excited they are to spend time with the kids.
    • Swap Babysitting with Friends – do you belong to a church, Moms group or have friends in the neighborhood?  See if they will watch your kids once a month so you and your spouse can have a Date Night then watch their kids once a month so they can have time together too.  You can enjoy it because you have a night with your spouse without paying for babysitting and your kids love it because they have time to play with their friends.  Works really well if you have kids that are similar ages and that play well together.

    2. Discount Babysitting Options

    • Responsible Teenager will often work for a more negotiable rate and many times they have a lot of energy which makes it fun adventure for the kids.
    • Mature Tween who is wanting to get into babysitting but isn’t quite old enough to do it on her own yet.  You are giving her the learning experience and can usually do it for a discounted rate or sometimes even free.  They will watch your kids at their own house under the supervision of their parents.
    • College Student – they will usually work for a reasonable rate or we have had some that have chosen to spend the night and eat a couple meals at our house in lieu of payment.  This works well for the late night dates with your spouse.  It is wonderful coming home to a house of peaceful sleeping kids!  Plus this gives you the opportunity to get to know the babysitter better as well.

    We have used a variety of babysitting tactics with our twins.  When the finances got tight we searched for other options because we felt like time together was important.  We have used all 6 of the options listed above.  Our favorites of course are the free options and since the grandparents don’t live near us we are limited on those dates.  We are thankful to have friends who swap babysitting with us because we can have fun relaxing together and the kids have a blast spending time playing with their friends.  We look forward to the times we get to watch their kids because we get to play, have fun and spoil the kids!

    Jake and I try to have at least one date night a month because it is important to us to maintain and grow our marriage.  Communication around the typical family meal is more about the kids and the events of the day then on us as a couple.  Although we may be in a season when the finances are tight we can still have a terrific date night together.  The laughter, deep conversations, and a time of relaxation is worth finding ways to make it work logistically and financially.