I appologize for being missing in action. I was very caught up in canning season, and getting ready for Thanksgiving. We had a nice family celebration, and as I prepared for Christmas, I was planning a post I wanted to write. But life took a turn for us, which has changed things a lot. Early in Dec. my husband had an emergency medical situation. He ended up in the hospital, having surgery, and staying for a week. We thought he was doing well, and he came home. Unfortunately, the longer he was home, the worse he did. We ended up back in the hospital with a complication which made him seriously ill. He spent 12 days in intensive care, and 26 days in the hospital all together for the second round. We spent Christmas in intensive care, with him sedated and on a ventilator. We are home now, but he will have a long, slow recovery, with another follow-up surgery probably around the end of April.
This has been a very difficult time for us, but everyone has trials of one kind of another, and many people have harder trials than this. I believe that we can learn from our trials. One of the things I have learned is the value of preparation. We have been paying a substantial amount in order to keep our health insurance--what a blessing! We met our out of pocket cap the first week in the hospital. Our food storage was also extremely valuable, since there wasn't much time or energy left for shopping after spending 10-12 hours a day at the hospital. Our sweet neighbors were so wonderful to us. Someone always showed up to shovel snow off our driveway. Several neighbors showed up at the hospital to bring me lunch. What a great break that was, to sit and visit with a friend and eat something other than fast food or hospital food. I'm sure I should have taken a lunch with me, and a couple of times I did, but I just wasn't up to doing it. It was hard enough to eat something already prepared.
I also found some areas where we weren't as prepared as we should have been. Early into the second hospitalization, I realized there were probably bills that should be paid soon. I dug through some of my husband's papers to find the bills. Now, I know how to pay bills, but trying to figure out what was due when was a challenge. I found his checkbook, which was helpful, but only for the bills that recurred monthly. We had a few coming due that only occur every 6 months. I didn't know my husband's passwords, etc., to pay the bills on-line like he does, but I could write out checks. The problem came when I realized I would need to transfer money from one account to our checking account to pay the rest of the bills. And my name wasn't on that account. Oh, dear! Fortunately, we had done some trust documents earlier in the year, and the bank let me use the power of attorney documents to access that account. But it brought home to me that we hadn't finished the work on the trust. The lawyer put the house in the trust, and left the rest for us to do. We still need to list all our accounts in the name of the trust, so that if one of us should die, the other doesn't have to go to court to access any of the accounts. It is high on our priority list to get the accounts listed properly, as soon as hubby feels up to it. He has already taught me how he pays bills on-line. We are determined to learn from the lessons of this challenge.
Vicki
Sunday, January 16, 2011
Sunday, October 3, 2010
Lessons from the Depression Generation, part 2
I have been thinking about Grandma W. as I have been busily canning this summer. Grandma B. canned, too, but she passed away when I was only 6, so it is Grandma W. I remember canning. Grandma and Grandpa always grew a garden. It probably wasn't very big, but what they didn't eat, she canned, even if it was just a small amount. I remember the time I was there, and she showed me how the neighbor's apricot tree had a branch that hung over her yard. She taught me that that entitled her to pick that branch of apricots, which she did and made apricot pineapple jam with. I think my favorite thing that she canned was chokecherry jam, probably because I had never had it anywhere else. One year I went with her to pick chokecherries. It probably wasn't terribly far away, but it seemed far to me at the time. There were a number of chokecherry bushes in the middle of someone's lawn, which we picked. I remember her putting the cooked berries in a cone strainer to separate the flesh from the seeds. But more than anything, I remember the sweet-tart flavor of the jam--Heaven!
I always remember my Dad growing a garden. When I was very little, we had fruit trees and a large vegetable garden. I used to go out and watch him irrigate the garden, thinking how much work it was. Mom canned when she had to, but she never did like it. Dad told a story, though, about how her canning saved us. He was getting his doctorate, and money was very tight. Just before he graduated, he discovered there was a fee he hadn't known about, which took their food money to pay. He called Grandma B. and asked to borrow $20, which she willingly sent him, but it would take several days for it to arrive. Meanwhile, the only food in the house was, 1. a box of pie crust mix, and 2. some home-bottled green beans. Until Grandma's $20 arrived, we lived on green beans served with a gravy made from the pie crust mix. (As a side note, Dad also later found some money he had squirreled away in a drawer. I have also learned to have little pots of money squirreled away, usually saving them for some special purchase I have in mind. Hmm. . . wonder where I get that from?) Years later when we moved to Illinois, Dad planted a garden in the back yard. He was always rather disgruntled about how many trees the neighbors had, shading his garden. He was so excited when my husband and I bought our first house, with a large yard perfect for a large garden.
Canning must be in my blood, because when I was a teenager, I told my parents I wanted to learn how to can. Now, Mom no longer canned at this point, although she still had all the equipment. My parents liked to encourage me when I wanted to learn different skills, and this was a skill they wanted to encourage. So Dad went down to his favorite produce place, and ordered a box of peaches. To be shipped from Georgia. At the per pound price that peaches were going for, I am sure. Our area of Illinois was not known for being able to get bushels of fruit for canning, but Dad didn't care. When the peaches came in, Dad presented me with the peaches, the canner, jars, and lids, and the Ball Blue Book, and let me loose. (Brave man!) I read the instructions, and canned peaches and peach jam. I have been hooked ever since, but fortunately now I live in Utah where I can either grow what I can, or purchase bushel quantities for canning. I usually grow my own fruit. It is more work, but it is also a lot cheaper. My little 5-year old fruit trees at my new house gave me a bushel of peaches and a bushel of pears this year. (My apples all froze due to a late snowstorm while the apple tree was in full blossom.) I also got peaches and pears from the trees at my son's house, since he only eats some of the fresh fruit. Thus, I have been canning, and canning, and canning. And thinking about Grandma W., and the lessons she taught me. And how good my Dad was to encourage me to learn a skill that has lasted my whole life. And so I garden, and can, and not only feed my family, but carry on a family heritage in the process.
Vicki
I always remember my Dad growing a garden. When I was very little, we had fruit trees and a large vegetable garden. I used to go out and watch him irrigate the garden, thinking how much work it was. Mom canned when she had to, but she never did like it. Dad told a story, though, about how her canning saved us. He was getting his doctorate, and money was very tight. Just before he graduated, he discovered there was a fee he hadn't known about, which took their food money to pay. He called Grandma B. and asked to borrow $20, which she willingly sent him, but it would take several days for it to arrive. Meanwhile, the only food in the house was, 1. a box of pie crust mix, and 2. some home-bottled green beans. Until Grandma's $20 arrived, we lived on green beans served with a gravy made from the pie crust mix. (As a side note, Dad also later found some money he had squirreled away in a drawer. I have also learned to have little pots of money squirreled away, usually saving them for some special purchase I have in mind. Hmm. . . wonder where I get that from?) Years later when we moved to Illinois, Dad planted a garden in the back yard. He was always rather disgruntled about how many trees the neighbors had, shading his garden. He was so excited when my husband and I bought our first house, with a large yard perfect for a large garden.
Canning must be in my blood, because when I was a teenager, I told my parents I wanted to learn how to can. Now, Mom no longer canned at this point, although she still had all the equipment. My parents liked to encourage me when I wanted to learn different skills, and this was a skill they wanted to encourage. So Dad went down to his favorite produce place, and ordered a box of peaches. To be shipped from Georgia. At the per pound price that peaches were going for, I am sure. Our area of Illinois was not known for being able to get bushels of fruit for canning, but Dad didn't care. When the peaches came in, Dad presented me with the peaches, the canner, jars, and lids, and the Ball Blue Book, and let me loose. (Brave man!) I read the instructions, and canned peaches and peach jam. I have been hooked ever since, but fortunately now I live in Utah where I can either grow what I can, or purchase bushel quantities for canning. I usually grow my own fruit. It is more work, but it is also a lot cheaper. My little 5-year old fruit trees at my new house gave me a bushel of peaches and a bushel of pears this year. (My apples all froze due to a late snowstorm while the apple tree was in full blossom.) I also got peaches and pears from the trees at my son's house, since he only eats some of the fresh fruit. Thus, I have been canning, and canning, and canning. And thinking about Grandma W., and the lessons she taught me. And how good my Dad was to encourage me to learn a skill that has lasted my whole life. And so I garden, and can, and not only feed my family, but carry on a family heritage in the process.
Vicki
Sunday, September 12, 2010
What I learned from the Depression Generation, part 1
My 85 year old aunt passed away a couple of weeks ago. I probably had more contact with her than any of my other relatives, mainly because one of her daughters is my age. Whenever my family came to visit Grandma, which we did yearly, I spent a few days with my cousin. When we went to college, we roomed together. And when she went home for the week-end, I went with her. After all, home for her was 1 1/2 hours away. Home for me was 1300 miles away. So my aunt became a surrogate mother, giving me chores along with her own kids, and treating me like one of the family. They lived in an old farm house on a small farm. She never set out to teach me things, she just lived life and I watched. And learned. Since her passing, I have thought a lot about what I learned from her. A lot of it had to do with being frugal.
About the time my aunt passed away, my youngest son was home visiting for an hour or so. I had been out running errands, and suddenly realized, "Oh, I forgot to cash my check." DS asked me who gave me a check. I told him, "Nobody, it is my check. I just need to cash it so I have grocery money for next month." "You mean you write a check out to yourself?" When he continued to look at me puzzled, and then asked me why I didn't just make a withdrawal, I started to realize we had a bit of a generation gap going on. My kids seldom carry much cash, they rely on debit cards mostly. If they need cash, they go to the ATM. I have never actually used an ATM (I know, I am terribly old-fashioned, and a bit of a techno-phobe). And what I need to cash a check for to run our household on a cash basis, is more than the ATM limit is, anyway. After all, I am getting cash for food, gas, household expenses, allowances, entertainment, gifts, etc., for the next month. We have also been woeful failures as parents when it comes to teaching them to balance their checkbooks. No amount of explaining seems to get through to them; they just don't "get" it. Why should they balance their checkbooks, when they can just look on-line for their balance? I can talk until I am blue in the face about outstanding checks that don't get cashed for extroardinary amounts of time, and they just roll their eyes at me. But how can you manage your money well, unless you know how much you have?
So I am going to make a series of posts commenting about some of the things I have learned from my aunt, and others who lived through the depression. My grandparents were adults during the depression, and my parents, aunts and uncles, and my husbands parents were children/youth during the depression. It probably didn't affect them as much as their parents, but they learned certain attitudes and ways because of it. My dad used to say that he knew they didn't have much money, but nobody else did either, and they never lacked for food--because they lived on a farm and could grow their own food. But even in that semi-insulated situation, he learned frugal ways from his parents that he passed on to me.
Probably the most important thing I have learned from my elders, is to have the money for what you want, before you buy it. In other words, don't go into debt unless you have to. What a novel concept! The credit card companies would melt like the wicked witch in Oz if everyone in the country decided not to borrow what they can't pay back that month. You know, Visa and Mastercard are fairly new inventions. When I was a teenager, most people had a gasoline credit card, and maybe a department store card or two. When I first heard about the bank cards, I couldn't fathom how one card could be good at so many places. We've come a long way since then, and not for the better. It is common for college students to have thousands of dollars of debt before they graduate, for things that are long gone, like pizza and soda. It is so easy to think, I can pay it off later. But then something else comes along that we want, and something else, and next thing we know, we owe too much to pay off that month. And we quickly dig ourselves a hole that is difficult to get out of again. The depression generations I knew made sure they had the money before they bought something, except maybe cars and houses and college educations. But if the kids needed new shoes, they saved up and then bought the shoes. If they didn't have the money to go out to eat, they didn't go, they ate at home. When I was a child, we looked forward to payday, because sometimes we got to go out to eat at our favorite restaurant, and it was a real treat because it didn't happen often.
When I got married, my husband had a Mastercard. I was so impressed that he was that financially savvy. He had my diamond ring paid for before the wedding. Now, we were very frugal newlyweds, but we were both going to college, only supported by his part-time job, and pretty soon there was a baby on the way. We started to look at that credit card as a form of a student loan. It got us through college. But there was a trap there, too. We started shopping only at places that took our card (not everyone did). And we often bought a little extra, since we didn't have to come up with the cash. I remember the day we bought a gallon thermos jug, just because it was on sale. We used that jug for 20 years, but at that time it wasn't a necessity, and it went on the card. When DH finally graduated and got a job, we decided it was time to pay off that credit card, but by then we owed several hundred dollars, and it wasn't an easy process. It wasn't until DH changed jobs, and had a payout of his retirement account, that we were able to pay off that card. Since we were so young and still starting out, we decided it was best to use that retirement money to pay off the debt, and from then on to live on a cash basis. Yes, we do have a credit card, and we do use it on larger purchases, but we pay it off EVERY month, without fail. We are determined to never be in that position again, of having a debt we struggle to pay off. We had finally learned from our own experience that we should pay attention to the examples of those wise elders who had lived through the depression and really knew how to handle money.
Watch for more posts on the lessons learned from the Depression Generation.
Vicki
About the time my aunt passed away, my youngest son was home visiting for an hour or so. I had been out running errands, and suddenly realized, "Oh, I forgot to cash my check." DS asked me who gave me a check. I told him, "Nobody, it is my check. I just need to cash it so I have grocery money for next month." "You mean you write a check out to yourself?" When he continued to look at me puzzled, and then asked me why I didn't just make a withdrawal, I started to realize we had a bit of a generation gap going on. My kids seldom carry much cash, they rely on debit cards mostly. If they need cash, they go to the ATM. I have never actually used an ATM (I know, I am terribly old-fashioned, and a bit of a techno-phobe). And what I need to cash a check for to run our household on a cash basis, is more than the ATM limit is, anyway. After all, I am getting cash for food, gas, household expenses, allowances, entertainment, gifts, etc., for the next month. We have also been woeful failures as parents when it comes to teaching them to balance their checkbooks. No amount of explaining seems to get through to them; they just don't "get" it. Why should they balance their checkbooks, when they can just look on-line for their balance? I can talk until I am blue in the face about outstanding checks that don't get cashed for extroardinary amounts of time, and they just roll their eyes at me. But how can you manage your money well, unless you know how much you have?
So I am going to make a series of posts commenting about some of the things I have learned from my aunt, and others who lived through the depression. My grandparents were adults during the depression, and my parents, aunts and uncles, and my husbands parents were children/youth during the depression. It probably didn't affect them as much as their parents, but they learned certain attitudes and ways because of it. My dad used to say that he knew they didn't have much money, but nobody else did either, and they never lacked for food--because they lived on a farm and could grow their own food. But even in that semi-insulated situation, he learned frugal ways from his parents that he passed on to me.
Probably the most important thing I have learned from my elders, is to have the money for what you want, before you buy it. In other words, don't go into debt unless you have to. What a novel concept! The credit card companies would melt like the wicked witch in Oz if everyone in the country decided not to borrow what they can't pay back that month. You know, Visa and Mastercard are fairly new inventions. When I was a teenager, most people had a gasoline credit card, and maybe a department store card or two. When I first heard about the bank cards, I couldn't fathom how one card could be good at so many places. We've come a long way since then, and not for the better. It is common for college students to have thousands of dollars of debt before they graduate, for things that are long gone, like pizza and soda. It is so easy to think, I can pay it off later. But then something else comes along that we want, and something else, and next thing we know, we owe too much to pay off that month. And we quickly dig ourselves a hole that is difficult to get out of again. The depression generations I knew made sure they had the money before they bought something, except maybe cars and houses and college educations. But if the kids needed new shoes, they saved up and then bought the shoes. If they didn't have the money to go out to eat, they didn't go, they ate at home. When I was a child, we looked forward to payday, because sometimes we got to go out to eat at our favorite restaurant, and it was a real treat because it didn't happen often.
When I got married, my husband had a Mastercard. I was so impressed that he was that financially savvy. He had my diamond ring paid for before the wedding. Now, we were very frugal newlyweds, but we were both going to college, only supported by his part-time job, and pretty soon there was a baby on the way. We started to look at that credit card as a form of a student loan. It got us through college. But there was a trap there, too. We started shopping only at places that took our card (not everyone did). And we often bought a little extra, since we didn't have to come up with the cash. I remember the day we bought a gallon thermos jug, just because it was on sale. We used that jug for 20 years, but at that time it wasn't a necessity, and it went on the card. When DH finally graduated and got a job, we decided it was time to pay off that credit card, but by then we owed several hundred dollars, and it wasn't an easy process. It wasn't until DH changed jobs, and had a payout of his retirement account, that we were able to pay off that card. Since we were so young and still starting out, we decided it was best to use that retirement money to pay off the debt, and from then on to live on a cash basis. Yes, we do have a credit card, and we do use it on larger purchases, but we pay it off EVERY month, without fail. We are determined to never be in that position again, of having a debt we struggle to pay off. We had finally learned from our own experience that we should pay attention to the examples of those wise elders who had lived through the depression and really knew how to handle money.
Watch for more posts on the lessons learned from the Depression Generation.
Vicki
Thursday, August 19, 2010
Summertime, and the living is. . . BUSY!
School starts Mon. here, and I am wondering where the summer went? I have been busy with gardening, and canning, and holidays, and birthdays, and gardening, and canning, and family re-unions, and Mom's surgery, and babysitting, and gardening, and canning, etc. You get the idea, lol.
I am so thankful for my garden, though. It is wonderful to have enough fresh vegetables to have different ones each night, without having to pay what the grocery stores are asking. And fresh picked tastes so good! I preserve what we can't eat fresh, so this winter when the snows hit and the winds howl, we will have a taste of summer; jars full of sunshine, where I know every ingredient and how it was handled.
As I spend time weeding or picking my garden, I have ample time to think. I am constantly amazed at the way my garden works. Our Creator has been so generous to us. We go through the season in a progression. Early in the spring, lettuce and spinach and green onions are ready to pick. A little later come the strawberries and peas. About the time the strawberries are finished, the raspberries and boysenberries are starting. Broccoli, beets, green beans, tomatoes-each has their time. In the fall we get peaches, pears, apples. We are ensured of having something to harvest all summer long, without having everything ripen at once. Can you imagine if the whole garden ripened at once? There is no way I could preserve a fraction of what I do if it all came on at once. It is hard enough to can a tree full of peaches and another full of pears at approximately the same time, without adding in apricots, cherries, apples, plums, green beans, tomatoes, beets, peas, cucumbers, zucchini, etc., at the same time. There is an order to summer which becomes apparent to one who works in a garden.
I love getting gourmet food from my garden. Fresh bunches of beets, baskets of peas or raspberries, crisp stalks of asparagus; these are things that command a high price, if they are available at all. But I can have an abundance, for the cost of a few seeds or plants, some water, and fertilizer, and some elbow grease. It makes me feel wealthy and incredibly blessed. I certainly couldn't afford to buy the wonderful produce my garden provides me with, even if it was available. What a luxury I have just outside my back door!
Yes, I am busy this time of year. But it is a busyness that is well worth the effort, and makes me feel incredibly blessed. The housework and other projects will wait, for I must show my gratitude for my blessings by making the best use of what I have been given. So forgive me for my sporadic posting. I'll be in the garden.
Vicki
I am so thankful for my garden, though. It is wonderful to have enough fresh vegetables to have different ones each night, without having to pay what the grocery stores are asking. And fresh picked tastes so good! I preserve what we can't eat fresh, so this winter when the snows hit and the winds howl, we will have a taste of summer; jars full of sunshine, where I know every ingredient and how it was handled.
As I spend time weeding or picking my garden, I have ample time to think. I am constantly amazed at the way my garden works. Our Creator has been so generous to us. We go through the season in a progression. Early in the spring, lettuce and spinach and green onions are ready to pick. A little later come the strawberries and peas. About the time the strawberries are finished, the raspberries and boysenberries are starting. Broccoli, beets, green beans, tomatoes-each has their time. In the fall we get peaches, pears, apples. We are ensured of having something to harvest all summer long, without having everything ripen at once. Can you imagine if the whole garden ripened at once? There is no way I could preserve a fraction of what I do if it all came on at once. It is hard enough to can a tree full of peaches and another full of pears at approximately the same time, without adding in apricots, cherries, apples, plums, green beans, tomatoes, beets, peas, cucumbers, zucchini, etc., at the same time. There is an order to summer which becomes apparent to one who works in a garden.
I love getting gourmet food from my garden. Fresh bunches of beets, baskets of peas or raspberries, crisp stalks of asparagus; these are things that command a high price, if they are available at all. But I can have an abundance, for the cost of a few seeds or plants, some water, and fertilizer, and some elbow grease. It makes me feel wealthy and incredibly blessed. I certainly couldn't afford to buy the wonderful produce my garden provides me with, even if it was available. What a luxury I have just outside my back door!
Yes, I am busy this time of year. But it is a busyness that is well worth the effort, and makes me feel incredibly blessed. The housework and other projects will wait, for I must show my gratitude for my blessings by making the best use of what I have been given. So forgive me for my sporadic posting. I'll be in the garden.
Vicki
Friday, July 9, 2010
To Coupon, or Not to Coupon, That is the Question
For years, I didn't even try to coupon. In those days, coupons were often only worth a few cents, and there were lots of generics available, and I could get the generics for cheaper than I could get the name brand product, even with a coupon. Times have changed, and there are few generic products (although there are lots of quality store brands), and coupons come in higher values now. When we moved here, I discovered several of the neighbors are big into couponing. They would talk about all the things they got free or nearly free by using coupons. I began to feel like I was missing a good bargain hunting tool. I went to a class or two, and started trying to use the coupons I had.
I found one obstacle right away. The classes offered are generally funded by newspaper companies. Their recommendation is to take a copy of the Sunday paper for each person in your home. They have special deals for Sunday only subscriptions to go along with your regular subscription. The problem is, you have to save a substantial amount of money to pay for the extra cost of the Sunday subscriptions. I wasn't willing to put out that kind of money, so I determined to do the best I could with the one set of coupons I was getting anyway.
Then the grocery store that everyone seemed to get their best coupon deals at, closed. Ok, I hadn't been in the habit of shopping there that much anyway. And a lot of those deals involved, buy 10 and save $3. or $5. But you had to buy 10, and I didn't often need 10.
Many people in other states get great coupon deals because their stores double coupons, or even triple them. Stores around here don't.
Then my husband lost his job, and we cut our food budget in half. I now have to focus on buying very basic foods--as my friend puts it, "bread and milk and cheese and eggs." I add certain produce to that, like bananas and lettuce and apples. By the time I buy those basics, there isn't a lot of money left for buying things with coupons. (You notice that there are seldom coupons for really basic foods, they are usually for more prepared foods.) I can do a lot with those basic foods, even making homemade versions of prepared foods that someone else might use a coupon to buy. For example, I never buy Stovetop stuffing. My family likes my homemade mix better. I can save a lot more money by cooking from scratch than I can by buying a lot of prepared foods and snacks using coupons.
So, a week or two ago a local grocery store had a special deal, any coupons valued under a dollar would be worth a dollar. I should be able to get some really good deals, right? Maybe. I gathered my coupons, and cut out anything for under a dollar that I thought we could use, and a few other higher value coupons that seemed like an especially good deal, and headed for the store. It took me about an hour to cut out the coupons, by the way. I headed into the store, and spent the next 2 hours trying to find the best deals. I found some great deals. For example, for $2 I got 5 lbs. of sugar and 10 packages of Koolade. And I got 2 bars of bath soap free after coupon. There were other things that were sold out. Why is it that there are always coupons for Wacky Mac, but there is never any on the shelf? lol Most of the rest of my coupons I sat and had to decide, is this coupon going to make this item a reasonable price? I got several things that were a reasonable price. Not spectacular, but reasonable, and they were things I would have had on my list anyway. But there were also a lot of thing that weren't worth the cost, even after the coupon. Even with a $1 coupon, I am not going to spend $8 for a small box of dishwasher detergent tablets when I can buy a box of powder for less than half the price, and it will clean more than twice the dishes. I did get some good deals, but in the end, I spent quite a bit of my grocery budget buying things to get to use the coupon, and I had to make up for that out of the next week's food budget.
There are a couple other problems with coupons that aren't quite so obvious. One is that those prepared foods for which there are coupons, are often full of sodium, fat, preservatives, artificial flavors and colors, etc. When I can make a homemade version, it is often healthier. And it usually tastes better as well. You can't compare my homemade brownies to any box mix. Another problem is that what we feed our families trains their taste buds. I mentioned that my family likes my homemade stuffing mix better than Stovetop. They didn't always feel that way, but I couldn't afford the storebought, and I had a good recipe for homemade, so I nearly always made homemade. A few years ago my mother gave us several boxes of stuffing mix to use for Thanksgiving dinner. The stuffing didn't get eaten; my family had gotten used to my homemade. I went back to making my own after that. A woman made a comment at an extension office workshop on frugal living once--"Using coupons has ruined my budget. Buying the brand-name convenience foods that there are coupons for gave my family a taste for the brand-name products, and now I can't buy anything else, because they won't eat it." Brand recognition starts early in life. My grandson will only eat chicken nuggets from his preferred fast food place, not what I have in my freezer; and the spaghettios I buy had better have the right picture on the front. Forget the homecooked, grilled chikcen, and the spaghetti made with fresh, home-grown tomatoes. I don't really want a basement full of foods that contain too much sodium and preservatives. I want good healthy, real food.
So what is the bottom line? For me, I find it works best if I make my shopping list, then look to see if there are any coupons that match. If I do it the other way around, I find that I spend too much money buying food I don't always like that is full of salt and preservatives, and teaching my family to expect that taste all the time. I will still use occasional coupons, but I will get more bang from my buck by buying basic foods and cooking them into tasty meals at home. I will never be a coupon queen. If they work for you, I am glad. But like anything else, I think using coupons should be a reasoned decision, not something you do just because there is a perception that that is the best way to save money. Think about it, and make your own decision. Best wishes,
Vicki
I found one obstacle right away. The classes offered are generally funded by newspaper companies. Their recommendation is to take a copy of the Sunday paper for each person in your home. They have special deals for Sunday only subscriptions to go along with your regular subscription. The problem is, you have to save a substantial amount of money to pay for the extra cost of the Sunday subscriptions. I wasn't willing to put out that kind of money, so I determined to do the best I could with the one set of coupons I was getting anyway.
Then the grocery store that everyone seemed to get their best coupon deals at, closed. Ok, I hadn't been in the habit of shopping there that much anyway. And a lot of those deals involved, buy 10 and save $3. or $5. But you had to buy 10, and I didn't often need 10.
Many people in other states get great coupon deals because their stores double coupons, or even triple them. Stores around here don't.
Then my husband lost his job, and we cut our food budget in half. I now have to focus on buying very basic foods--as my friend puts it, "bread and milk and cheese and eggs." I add certain produce to that, like bananas and lettuce and apples. By the time I buy those basics, there isn't a lot of money left for buying things with coupons. (You notice that there are seldom coupons for really basic foods, they are usually for more prepared foods.) I can do a lot with those basic foods, even making homemade versions of prepared foods that someone else might use a coupon to buy. For example, I never buy Stovetop stuffing. My family likes my homemade mix better. I can save a lot more money by cooking from scratch than I can by buying a lot of prepared foods and snacks using coupons.
So, a week or two ago a local grocery store had a special deal, any coupons valued under a dollar would be worth a dollar. I should be able to get some really good deals, right? Maybe. I gathered my coupons, and cut out anything for under a dollar that I thought we could use, and a few other higher value coupons that seemed like an especially good deal, and headed for the store. It took me about an hour to cut out the coupons, by the way. I headed into the store, and spent the next 2 hours trying to find the best deals. I found some great deals. For example, for $2 I got 5 lbs. of sugar and 10 packages of Koolade. And I got 2 bars of bath soap free after coupon. There were other things that were sold out. Why is it that there are always coupons for Wacky Mac, but there is never any on the shelf? lol Most of the rest of my coupons I sat and had to decide, is this coupon going to make this item a reasonable price? I got several things that were a reasonable price. Not spectacular, but reasonable, and they were things I would have had on my list anyway. But there were also a lot of thing that weren't worth the cost, even after the coupon. Even with a $1 coupon, I am not going to spend $8 for a small box of dishwasher detergent tablets when I can buy a box of powder for less than half the price, and it will clean more than twice the dishes. I did get some good deals, but in the end, I spent quite a bit of my grocery budget buying things to get to use the coupon, and I had to make up for that out of the next week's food budget.
There are a couple other problems with coupons that aren't quite so obvious. One is that those prepared foods for which there are coupons, are often full of sodium, fat, preservatives, artificial flavors and colors, etc. When I can make a homemade version, it is often healthier. And it usually tastes better as well. You can't compare my homemade brownies to any box mix. Another problem is that what we feed our families trains their taste buds. I mentioned that my family likes my homemade stuffing mix better than Stovetop. They didn't always feel that way, but I couldn't afford the storebought, and I had a good recipe for homemade, so I nearly always made homemade. A few years ago my mother gave us several boxes of stuffing mix to use for Thanksgiving dinner. The stuffing didn't get eaten; my family had gotten used to my homemade. I went back to making my own after that. A woman made a comment at an extension office workshop on frugal living once--"Using coupons has ruined my budget. Buying the brand-name convenience foods that there are coupons for gave my family a taste for the brand-name products, and now I can't buy anything else, because they won't eat it." Brand recognition starts early in life. My grandson will only eat chicken nuggets from his preferred fast food place, not what I have in my freezer; and the spaghettios I buy had better have the right picture on the front. Forget the homecooked, grilled chikcen, and the spaghetti made with fresh, home-grown tomatoes. I don't really want a basement full of foods that contain too much sodium and preservatives. I want good healthy, real food.
So what is the bottom line? For me, I find it works best if I make my shopping list, then look to see if there are any coupons that match. If I do it the other way around, I find that I spend too much money buying food I don't always like that is full of salt and preservatives, and teaching my family to expect that taste all the time. I will still use occasional coupons, but I will get more bang from my buck by buying basic foods and cooking them into tasty meals at home. I will never be a coupon queen. If they work for you, I am glad. But like anything else, I think using coupons should be a reasoned decision, not something you do just because there is a perception that that is the best way to save money. Think about it, and make your own decision. Best wishes,
Vicki
Sunday, June 20, 2010
The Art of Making Do
I love the old pioneer saying,
"Use it up,
Wear it out,
Make it do,
Or do without."
Some might call this attitude, "Provident Living", which is another way of saying "Making use of your resources". I was thinking about this recently as I attended a local "Quilt Shop Hop", where quilt shops had special sales, free patterns, drawings, giveaways, ideas, etc. I went to several of the local stores, and had a lot of fun looking at beautiful and cute fabrics, quilts, tools, etc. I find the quilt kits interesting. You can buy a stack of co-ordinated fabrics all from one line, designed to make a quilt. I think we have to be careful to remind ourselves that we don't have to buy a matching line of fabric to make a beautiful, warm quilt. Taking assorted scraps, cutting them, and stitching them together can make a quilt just as beautiful and warm, and it will be much more creative also. The challenge is in looking at the scrap quilt as something that is "handmade" (seen as valuable) rather than "homemade" (seen as not valuable). The big difference between the two is attitude. You can view your actions as worthwhile, or you can moan and groan and complain that you can't buy the matching line of fabric, and be dis-satisfied with anything else. It is a choice. Now, I am not saying there is anything wrong with buying the kit of matching fabrics and making a cute quilt from them. That is fine if that is in your budget and gives you the look you want. I am just saying that if you make a quilt from scraps, that is just as valuable, and maybe even more valuable.
My grandma was a quilter. She would take whatever was available and make it into a quilt. I remember her afghans that showed how frugal she was. She would take old men's wool suit coats, cut the fabric into squares, crochet around the edges, and sew the blocks together to make an afghan. Or she would take a torn sheet-blanket and do the same. Her afghans were warm and attractive, and used things that others might have thrown away. I don't think it ever crossed her mind to complain that she hadn't bought new fabrics; she was making good use of something that had worn out, and giving it a new life.
There are lots of ways of "making do". It is different for each person, since each person has different resources and different skills and talents. I have had some practice at making do as a stay-at-home mother, trying to raise a family on a limited budget. It has become even more necessary since my husband lost his job. I find the key is to focus on what you do have and what you can do, not on what you don't have or can't do. There is a difference between cheerfully making do, and feeling deprived. Let me give you a few examples.
Recently, I was part of a group in charge of providing food for a breakfast meeting. I didn't have the money to offer to provide juice, or a main dish, or anything I had to go to the store and buy. I did, however, have a good supply of baking ingredients in my pantry. I offered to make homemade cinnamon rolls. Nobody knew that it was an economy offering, they all enjoyed the rolls. Now, if I had made excuses, or complained about that being the only thing I could afford, it would have taken away some of their enjoyment, and it would have made me focus on a negative idea. But because I enjoyed offering the cinnamon rolls, I think that added to their enjoyment of them.
Another example: tonight I made a potato dish that my family enjoys. The original recipe calls for small red potatoes. There is a reason for this, because you boil the potatoes, then put them on a pan and slightly flatten them with a potato masher. Then they are brushed with olive oil, seasoned with salt, pepper, and rosemary, and baked until golden brown. Red potatoes have a good texture for this recipe, and hold together well. I would think yukon gold potatoes would be really good for this as well. But where I live, red potatoes are generally much more expensive than russets, and yukon golds are even more expensive, so russets are what I have. Russets are what I usually use for this recipe. My family doesn't know the difference. Sometimes they have a potato that is kind of falling apart, but they don't care, because they enjoy the taste of these potatoes. If I was apologetic, or complained about not being able to afford red potatoes, it would take away their enjoyment, and mine as well. If I insisted on having red potatoes before I would make this recipe, we would all miss out. By making do with the russet potatoes, my family was excited to see a favorite dish on the table, and we all enjoyed our dinner.
There are thousands of ways to make do, and all depend on what resources you have. When I am invited to a baby shower, I look through my stash of fabric, and make a blanket and burp cloth, or an outfit, or a baby quilt. A friend of mine searches her shelves for food staples to use for wedding gifts. A bag of flour, one of sugar, a bottle of oil, a few other odds and ends, and she has a thoughtful wedding gift. The bride doesn't know that this was her gift because there was no money to buy a gift. Internet websites are a good source of recipes for homemade versions of convenience foods and seasoning mixes that put good food on the table for pennies. Putting a few seeds in the ground can yield fresh, flavorful vegetables for very little cost. Making needed repairs can teach you a whole new set of handy skills. Last week, someone complimented me on my dress, which I had bought 3 years ago at a thrift store for $1. We enjoy a movie at the local "dollar theater" just as much as the movies we pay full price to see. My vase full of apple tree prunings is just as attractive as the decorative sticks available at the craft store. You can have a very good life while making do.
Why would you want to make do if you can afford other options? Making do does save money, but there are other reasons to make do even if your budget is more plentiful than mine. Making do is very earth friendly. It focuses on conserving resources, minimizing waste, finding new uses for things. There is something satisfying to the soul when you make do. You learn, and grow, and become more creative. Life becomes fuller, richer, deeper. You are more connected with the process of living well, and come to realize what the important things in life are. It is like emotional exercise. Just like you feel your muscles and physical abilities grow when you exercise, when you make do, your abilities and talents grow. That is the kind of life I want, whether my budget requires it or not.
"Use it up,
Wear it out,
Make it do,
Or do without."
Let's make this the motto for this century, too.
Vicki
"Use it up,
Wear it out,
Make it do,
Or do without."
Some might call this attitude, "Provident Living", which is another way of saying "Making use of your resources". I was thinking about this recently as I attended a local "Quilt Shop Hop", where quilt shops had special sales, free patterns, drawings, giveaways, ideas, etc. I went to several of the local stores, and had a lot of fun looking at beautiful and cute fabrics, quilts, tools, etc. I find the quilt kits interesting. You can buy a stack of co-ordinated fabrics all from one line, designed to make a quilt. I think we have to be careful to remind ourselves that we don't have to buy a matching line of fabric to make a beautiful, warm quilt. Taking assorted scraps, cutting them, and stitching them together can make a quilt just as beautiful and warm, and it will be much more creative also. The challenge is in looking at the scrap quilt as something that is "handmade" (seen as valuable) rather than "homemade" (seen as not valuable). The big difference between the two is attitude. You can view your actions as worthwhile, or you can moan and groan and complain that you can't buy the matching line of fabric, and be dis-satisfied with anything else. It is a choice. Now, I am not saying there is anything wrong with buying the kit of matching fabrics and making a cute quilt from them. That is fine if that is in your budget and gives you the look you want. I am just saying that if you make a quilt from scraps, that is just as valuable, and maybe even more valuable.
My grandma was a quilter. She would take whatever was available and make it into a quilt. I remember her afghans that showed how frugal she was. She would take old men's wool suit coats, cut the fabric into squares, crochet around the edges, and sew the blocks together to make an afghan. Or she would take a torn sheet-blanket and do the same. Her afghans were warm and attractive, and used things that others might have thrown away. I don't think it ever crossed her mind to complain that she hadn't bought new fabrics; she was making good use of something that had worn out, and giving it a new life.
There are lots of ways of "making do". It is different for each person, since each person has different resources and different skills and talents. I have had some practice at making do as a stay-at-home mother, trying to raise a family on a limited budget. It has become even more necessary since my husband lost his job. I find the key is to focus on what you do have and what you can do, not on what you don't have or can't do. There is a difference between cheerfully making do, and feeling deprived. Let me give you a few examples.
Recently, I was part of a group in charge of providing food for a breakfast meeting. I didn't have the money to offer to provide juice, or a main dish, or anything I had to go to the store and buy. I did, however, have a good supply of baking ingredients in my pantry. I offered to make homemade cinnamon rolls. Nobody knew that it was an economy offering, they all enjoyed the rolls. Now, if I had made excuses, or complained about that being the only thing I could afford, it would have taken away some of their enjoyment, and it would have made me focus on a negative idea. But because I enjoyed offering the cinnamon rolls, I think that added to their enjoyment of them.
Another example: tonight I made a potato dish that my family enjoys. The original recipe calls for small red potatoes. There is a reason for this, because you boil the potatoes, then put them on a pan and slightly flatten them with a potato masher. Then they are brushed with olive oil, seasoned with salt, pepper, and rosemary, and baked until golden brown. Red potatoes have a good texture for this recipe, and hold together well. I would think yukon gold potatoes would be really good for this as well. But where I live, red potatoes are generally much more expensive than russets, and yukon golds are even more expensive, so russets are what I have. Russets are what I usually use for this recipe. My family doesn't know the difference. Sometimes they have a potato that is kind of falling apart, but they don't care, because they enjoy the taste of these potatoes. If I was apologetic, or complained about not being able to afford red potatoes, it would take away their enjoyment, and mine as well. If I insisted on having red potatoes before I would make this recipe, we would all miss out. By making do with the russet potatoes, my family was excited to see a favorite dish on the table, and we all enjoyed our dinner.
There are thousands of ways to make do, and all depend on what resources you have. When I am invited to a baby shower, I look through my stash of fabric, and make a blanket and burp cloth, or an outfit, or a baby quilt. A friend of mine searches her shelves for food staples to use for wedding gifts. A bag of flour, one of sugar, a bottle of oil, a few other odds and ends, and she has a thoughtful wedding gift. The bride doesn't know that this was her gift because there was no money to buy a gift. Internet websites are a good source of recipes for homemade versions of convenience foods and seasoning mixes that put good food on the table for pennies. Putting a few seeds in the ground can yield fresh, flavorful vegetables for very little cost. Making needed repairs can teach you a whole new set of handy skills. Last week, someone complimented me on my dress, which I had bought 3 years ago at a thrift store for $1. We enjoy a movie at the local "dollar theater" just as much as the movies we pay full price to see. My vase full of apple tree prunings is just as attractive as the decorative sticks available at the craft store. You can have a very good life while making do.
Why would you want to make do if you can afford other options? Making do does save money, but there are other reasons to make do even if your budget is more plentiful than mine. Making do is very earth friendly. It focuses on conserving resources, minimizing waste, finding new uses for things. There is something satisfying to the soul when you make do. You learn, and grow, and become more creative. Life becomes fuller, richer, deeper. You are more connected with the process of living well, and come to realize what the important things in life are. It is like emotional exercise. Just like you feel your muscles and physical abilities grow when you exercise, when you make do, your abilities and talents grow. That is the kind of life I want, whether my budget requires it or not.
"Use it up,
Wear it out,
Make it do,
Or do without."
Let's make this the motto for this century, too.
Vicki
Sunday, June 13, 2010
I'm Back
Sorry I haven't posted for such a long time. I took on a temporary part-time job, and it about wiped me out. It was working at a local amusement park, where my youngest son works in the games department. They open the park to school-aged kids in May for school field trips, but their normal workers are also in school. So they hire mothers to work a few days a week for about a month until school gets out. I was assigned to run a game. The hard part is that you have to stand on that hard asphalt all day long, and it wasn't very busy, so it was just standing there for the most part. I am not used to being on my feet for that long, even when I am canning. The other hard part was just not being home. I have a new appreciation for working mothers. Even though I was only working 3 days a week, I found I spent my days off either preparing to be gone to work, or recovering from being gone to work. I have been a stay-at-home mother for 35 years, and it would take a lot for me to get used to such a radical change in my routine.
One thing that I found made things easier, was cooking ahead for the nights I worked. I knew I would come home with aching feet and not want to cook. I also knew that I didn't want all that hard-earned money to go to buy take-out food. So I planned ahead, and did some cooking on my days off for that week's meals. It made a huge difference to come home from work, rest a bit, then heat up dinner. I would have made up freezer meals, but my freezer is pretty full, with only room for my homemade bread in it. For just those few days, it worked out well to just cook the food and store it in the fridge, re-heating it when we were ready to eat it. There was one night that I splurged and bought a rotisserie chicken for dinner. It was on sale for not much more than it would have cost to buy a whole raw chicken, so I didn't feel bad about that.
I find that my month of working has given me a new appreciation for the ability to be a stay-at-home mother, even though my kids are all adults now. I have the time and energy to plant my garden, make jam, sew a baby shower gift, shop for groceries, clean house. I am home for those little emergencies, like when my daughter's car had issues on her way to work. When I am home, I can just let her take my car. When it happened on a day I had to work, it was a struggle to work out how everyone got to where they needed to go. I am again able to tend my grandkids one morning a week while their mother goes in to her job. I may still struggle to accomplish all I want to do, but I am able to work on it at my own schedule, for the most part. I am very grateful for my life, and hope to be able to post more regularly now.
Vicki
One thing that I found made things easier, was cooking ahead for the nights I worked. I knew I would come home with aching feet and not want to cook. I also knew that I didn't want all that hard-earned money to go to buy take-out food. So I planned ahead, and did some cooking on my days off for that week's meals. It made a huge difference to come home from work, rest a bit, then heat up dinner. I would have made up freezer meals, but my freezer is pretty full, with only room for my homemade bread in it. For just those few days, it worked out well to just cook the food and store it in the fridge, re-heating it when we were ready to eat it. There was one night that I splurged and bought a rotisserie chicken for dinner. It was on sale for not much more than it would have cost to buy a whole raw chicken, so I didn't feel bad about that.
I find that my month of working has given me a new appreciation for the ability to be a stay-at-home mother, even though my kids are all adults now. I have the time and energy to plant my garden, make jam, sew a baby shower gift, shop for groceries, clean house. I am home for those little emergencies, like when my daughter's car had issues on her way to work. When I am home, I can just let her take my car. When it happened on a day I had to work, it was a struggle to work out how everyone got to where they needed to go. I am again able to tend my grandkids one morning a week while their mother goes in to her job. I may still struggle to accomplish all I want to do, but I am able to work on it at my own schedule, for the most part. I am very grateful for my life, and hope to be able to post more regularly now.
Vicki
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