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How To Save Money On Just About Everything

Welcome to My Saving Place where you will find an abundance of tips, tricks and good advice on how to save money on just about everything.

Happy Savings,
The Saving Lady

You Don’t Need To Bust The Budget To Eat Healthy

They don’t call Whole Foods “Whole Paycheck” for nothing. There are a lot of people spending a ton of money thinking that grocers like Whole Foods are the only place you can buy healthy foods. There may be some things at Whole Foods that are worth the price. I particularly like their salad bar where you can get a good size portion for not a lot of money. Of course, this isn’t something you’d do every day, but for the occasion when you need to eat in a hurry or don’t have time to cook, it is a healthy choice. For grocery basics, however, steer clear of Whole Foods and seek out your local supermarket, ie. Kroger, Safeway, Albertson’s, etc. They have everything you need to eat healthy at a fraction of the price of places like Whole Foods.

Your local supermarket provides plenty of healthy food choices if you just take a few minutes to think. Eating healthy isn’t rocket science.You need only remember a few no-no’s:

Avoid foods with added sugars, ie. cereals, pastries, cookies, candy, sodas, etc.
Avoid processed foods, ie., canned fruits and vegetables, canned soups, potato chips and other snacky type foods, TV dinners and other frozen entrees, hotdogs, bacon, lunch meats, etc.
Avoid fatty foods, ie., fried foods, bottled dressings, ice cream, pizza, pork sausage, etc.

This is not to say that you can “never” eat these foods. Eaten in moderation or as a once-in-awhile treat keeps your diet from becoming boring. I can’t imagine never having my favorite ice cream again. I love ice cream, but I no longer buy it. Perhaps once a week I treat myself to a dish of very special ice cream from one of the local artisanal ice cream makers or I’ll pop down to McDonald’s for their hot fudge sundae if my budget is really tight.

eat healthy with bulk foodsBegin grocery shopping in the bulk food section in order to eat healthy. Some supermarket bulk food sections are bigger than others, but here is a good place to start for eating healthy and saving money. Instead of buying brand-name cereal in a box like Cheerios, Raisin Bran, etc., buy your basic cereals in bulk avoiding completely those with a lot of added sugar. Corn flakes, wheat flakes, puffed rice, crisped rice, bran flakes with raisins are all available in bulk for a fraction of what their brand-named counterparts cost. And it’s not only cereals that are a whole lot less expensive. The same holds true for rice, beans, spices, flours, teas, candy, nuts, pasta and more. Of course, there are also unhealthy choices in bulk. Simply avoid them.

Next hop over to the produce section. This is where there is more food waste than with anything else you buy. It’s the best place to eat healthy but not if you’re going to throw money away. Most people buy more fresh fruits and vegetables than they can use up before they spoil. In fact, whenever you throw away food, you might as well be tossing dollar bills into the garbage can. This is where meal planning can make a difference.  Only buy what you know you will use within the next 5 – 7 days. Schedule which fruits and veggies you will use when by their shelf life. I do not ordinarily recommend organic fruits and veggies, but in at least two cases — bananas and lettuce — I will pay the price for organic because I have found their shelf life is far longer than their non-organic siblings.  Buy fruits and veggies that are in season in your area when you can. They are usually much cheaper than those they have to ship in from other parts of the country or the world.  Here is where any other person would tell you to shop your local farmers markets in season. With little exception, the prices at farmers markets are much higher than at the super market. I only buy tomatoes, berries, locally grown fruits and sweet corn at farmers markets — not necessarily because they’re cheaper, but because they simply taste better. In fact, I don’t even buy fresh tomatoes any other time because they taste so awful. (I do use canned tomatoes, but I buy them based on their sodium content. Less is better.) Out of season, I buy frozen berries and year round I buy frozen sweet corn, peas, Brussels sprouts, chopped spinach, chopped broccoli, chopped onion, and mixed veggies for soups.  In the summer I grow my own tomatoes, peppers, cucumbers and lettuce. I usually have a ton of tomatoes that I quarter and freeze in plastic bags to be used in cooking during the long, dreary winter months.

Next onto dairy and don’t head for the milk. Do you realize that man is the only animal on the planet that drinks milk after he/she is weaned from it’s mother? So does it make sense to continue toeat healthy greek yogurt with berries drink milk until we die? Not in my book it doesn’t. Instead try unsweetened vanilla almond milk. It tastes much like milk but with 1/3 the calories, no lactose and more calcium that 2% milk, and you can use it wherever you would normally use milk. Stay away from all the flavored yogurts. They contain oodles of sugar or artificial sweeteners. It’s much better to buy 2% plain Greek yogurt and sweeten it with stevia that you can buy in packets or liquid form. Stevia is a natural sweetener (as opposed to artificial) with zero calories. Top plain or sweetened yogurt with fresh berries or mix with mashed banana or apple sauce. This is what I eat in place of ice cream most days. Buy real butter, and if you want the taste of real butter with less calories, buy whipped butter. It’s still real butter, but you end up using less so your calorie intake is less.

We’re almost done. Wander over to the meat/fish counter. A package of ground turkey is indispensable. Use it in place of hamburger for dozens of recipes. Buy fresh or frozen poultry or fish for a better way to eat healthy than beef or pork. You can buy as much as your budget allows because you can freeze it. I always have a package of Tyson’s Grilled Chicken Strips in the freezer. They have a myriad of uses — chopped in salads, mixed with a package of frozen vegetables in chicken broth for a quick soup, tacos or burritos, and much more. If you simply have to have meat (as opposed to poultry or fish), stick to a pork tenderloin or center-cut chops. Pork is lower in fat than beef. Save the steak for a very special occasion.

Now, after you pick up a loaf of 100% whole wheat bread,  all you need to do is take a quick spin down a few isles for some essentials that you might need and you’re done grocery shopping with a cart load of healthy foods that won’t cost you an arm and a leg.




Flat Out Great Idea For Dieters

About two years ago I discovered the Flat Out breads in my local supermarket, and I have been buying them ever since. For someone who is on a perpetual diet – like I am – or who looks at bread and immediately gains 5 pounds, Flat Out breads provide a guilt-free solution to dieting and eating bread at the same time.

flat out breads

These are not your typical fluffy slices of bread. They are, as their name implies, flat. They can be folded, rolled or left flat for a pizza base. There are multiple flavors to choose from and are gluten free, but what I particularly like about these versatile breads is that they are high in protein and low in carbs, the big nemesis of all dieters.

Anything you can put on bread, you can put on Flat Out breads. It’s sort of the meatloaf of the bread world. Throw whatever sounds like it would go good together at it, and it will probably taste wonderful. I’ve made peanut butter, banana and Nutella roll-ups; goat cheese, asparagus and roasted red pepper pizzas; cheeseburgers with caramelized onions; BLT’s.  You name it, I’ve probably made it.  I indulge myself because the bread only accounts for a fraction of the calories of the whole with the benefit of a lot more protein.

Your local supermarket may or may not have these delightful goodies yet. If they do, then you can try them with the benefit of the following coupon good through May 16th.

Save $1.00 on any ONE (1) Flatout® product. Unlock when you complete 1 Flatout activity.

If you can’t find them anywhere around your town, you can purchase them online. At their site, you will also find dozens of delicious recipes for all the different Flat Out breads. Be sure to check them out. I know they will prompt you to try the product.



Stop Wasting Food To Save Money – Week 4: Understand Expiration Dates

Just what do those dates on packaged goods mean?  You often see “use by,” “sell by,” “best by,” but do you really know how to interpret them? Most people don’t and it is the cause of a great deal of food waste.

The terminology is used by manufacturers without benefit of any kind of regulation and is virtually meaningless. It is simply the manufacturer’s suggestion for peak quality, not safety. A tub of salsa is still good for days or weeks beyond its “sell by,” “best by,” or “use by” date. Canned or bottled items should be good almost indefinitely. Frozen items may be subject to freezer burn after some time, but it doesn’t mean they are bad or not edible and can also be stored almost indefinitely. Chances are you’re throwing perfectly good food away if you are under the assumption that you have to use it by some mythical date.

Even mold on certain food items can cause us to react indiscriminately. Take, for instance, cheese. Some cheese, if not kept properly, can develop moldy spots. In reality, the moldy spots can be cut away and the rest of the cheese is still good. Just because part of a piece of fruit has gone bad doesn’t mean the entire piece is inedible. Chances are much of it can still be salvaged. 

Using common sense and your nose will help you reduce food waste.

Happy Savings,

Stop Wasting Food To Save Money – Week 3: What To Eat First

Having a strategy for using things up before they spoil is another key to stopping food waste. This entails using the most perishable items first. Since not everyone in the household may know which items need to be used up first, you might want to use sticky notes to indicate those that need to be used ASAP.

It’s also important to take a second look at what you buy. For example, if you buy broccoli, buy only the florettes if you throw away the stalks. If you buy the stalk and the florettes, eat the stalks as well. They taste just as good as the florettes. The same goes for beet greens. Saute with bacon and garlic salt for a tasty and healthy vegetable dish or chop them up and add them to omelets or soup. An old but indispensible cookbook for utilizing the entirety of a vegetable is The Victory Garden Cookbook published in 1982 and still one of the best cookbooks of its kind ever published.

Even foods that seem past their prime can have a second life. Overripe bananas can be used to make smoothies or banana bread. Freeze them until you need to use them. Melons and berries can also be frozen for this purpose as well. Vegetables that aren’t rotten or mushy can be used to make a vegetable broth that is the basis for many other recipes. Store in the freezer for use at a later date. Stale bread can be dried out completely and grated for breadcrumbs, cubed for stuffing or home-made croutons.

Before you throw away a food item, do a Google search to find out if there is a way to use it that you haven’t thought of. Even soured milk  has many uses.


Next week:  Understand The Expiration Dates

Stop Wasting Food To Save Money – Week 2: Know Your Refrigerator

Do you know where in your refrigerator to store ketchup, mustard and salad dressing? Do you know where to store leftovers and bottled beverages?  If not, then you really don’t know your refrigerator, and knowing your refrigerator is a key factor in stopping food waste.

what to store where in refrigeratorNo matter the size of your refrigerator, it’s important to understand how it works. There are super high-tech refrigerators that have built-in temperature monitors to keep optimal temperatures throughout the refrigerator and freezer sections. Most, however, have an adjustable scale that goes from  “cold” to “coldest” or one that goes from 1 to 5, and which automatically sets the temperature in the freezer. Rarely in less expensive refrigerators does the freezer have a separate control.  But you have to know that 40 degrees is the optimal temperature to keep things from spoiling and to keep delicate items like lettuce from freezing. At that temperature, the freeze is also set for its maximal temperature.  In order to do this with an adjustable scale, you need a thermometer. Any inexpensive thermometer that you can find at a kitchen supply store will do. Place the thermometer in the middle of the refrigerator until the reading stops climbing. Then move the temperature gauge up or down in small increments, waiting again for the thermometer to reach a fixed temperature. Keep doing this until the optimal temperature of 40 degrees is reached and maintained.

Once this is done, the refrigerator will still be warmer at the top and cooler at the bottom, so it’s important to know what to store where. Less perishable foods like yogurt, bottled beverages, leftovers and ready-to-eat foods should be store on the upper shelves. Uncooked meats and seafood, milk and eggs should be stored on the bottom shelves where it is cooler. The door is the warmest place in the refrigerator. This is where you want to store items that aren’t much affected by temperature like ketchup, mustard, salad dressing, butter, mayo and even batteries.

The freezer is the best way to stop wasting food. It’s where you store leftovers that you won’t be eating in the next couple of days. It’s where you store extra batches of spaghetti sauce or homemade soup.It’s where you store those TV dinners that you create yourself for days when you don’t want to cook. It’s the place where you can store a half gallon of milk for four days while you’re off enjoying yourself on a long weekend. In fact, the freezer is so important that the one in your refrigerator alone is never big enough. Many people, therefore, purchase a separate freezer only to hold the many items for which there simply isn’t enough room in your refrigerator’s freezer. Think how much you would enjoy the taste of soups, stews and chili made with the vine-ripened tomatoes from your summer garden that you froze and put in your freezer, or bell peppers, onions, corn, and any number of garden-grown delights that, when defrosted and cooked, taste almost as good as fresh picked. Or how about that Thanksgiving dinner that you get a craving for after the new year. Freeze those leftovers and enjoy that dinner in the future without all the fuss.

Stop Wasting Food To Save Money – Week 1: Unrealistic Purchases

I was shocked to read in my local paper this morning that Americans waste 35 million tons of food every year. That represents about 40% of the food we produce. Of course, this includes all thefood waste food that grocery stores throw away that isn’t sold by a certain date, food that restaurants throw away for the same reason, food that is left rotting in fields because it was too wet to pick, and food that is damaged in transit. But a whopping 21% of food waste occurs in the home. To put it another way, if you spend $100/week on groceries, you would be throwing $21 a week into the garbage can. That’s $1092 each year. Invest that sum at a modest 5% interest rate, and in 20 years it would be like throwing away over $40,000.

Because this is perhaps the one place that can make the greatest impact on your grocery budget, and because each of the components of food waste takes more than a couple of sentences to define, I’m breaking this into four weekly entries beginning with unrealistic purchases.

rotten lettuceWe’ve all done it. It happened to me today, in fact. I had a BLT for lunch because I wanted to use up some lettuce I purchased last week before I had to throw it out. As it was, I did have to toss more than a few leaves that looked pretty ugly. I will probably make myself a small salad tonight even though I may not want one. Otherwise I will be throwing away the rest of the lettuce, and that’s throwing away money.

Nobody wants to waste food. The reason we do is because we buy too much in the first place, usually by overestimating how much we will cook and underestimating the number of times we’ll eat out, carry-out or reheat leftovers because we’re too tired to cook. Most of us never check to see what we have on hand before heading out to the grocery store. So we end up buying cottage cheese when we already have an unopened container in the fridge. All of this contributes to overbuying.

It is essential to have a plan before heading out to grocery shop. Check cabinets, pantries and the refrigerator before making a grocery list to see what you already have. Allow for two or three lazy days when you might order a pizza or dine out. Create a meal plan for the other days. Buy only what is on your grocery list. Don’t be distracted by end-of-aisle displays that lure you into buying something that isn’t on your list. If you’ve planned well in advance of shopping, that should never happen.

Next week: Know Your Refrigerator

Millenials Living Minimalist To Save Money

The housing crisis of the past decade brought about a sea change of how millenials or Generation Y (those born between 1982 and 1994) think about and handle money. With the highest student debt of any generation and a high rate of unemployment due to double economic catastrophies — 9/11 and the housing bubble — they have ridden a financial seesaw. Their dream of having money is no less than that of every generation, but many are more willing to do without to achieve that goal.

One such millenial, Stephanie McConnell,  is a good example of how to walk the walk and talk the talk by turning all the negative characteristics of Gen Y – greed, entitlement, narcissism, laziness – into positives to reach those Gen Y goals of early retirement with more than enough income to lead a hedonistic life. An example is, “10 ways to keep your entertainment budget under $100 per month” – even in New York City where the cost of a 200 sq. ft. studio apartment can be upwards of $2000 per month.

People of all ages should know that as of right now  the minimalist lifestyle is considered chic. Whether is will be that way in 20 years remains to be seen. I personally downsized three years ago and can tell you that I would never go back to the way things were. I am always conscious of clutter and “stuff,” and always shedding more and more. It is extremely liberating, so much so that at times I find myself with absolutely nothing to do.  That’s a wonderful feeling for someone that loves to read. I can now do so without guilt.

So why not jump on this bandwagon  and discover life.

Check Out Thrift Stores To Save Money on Halloween

A few days ago I dropped into my local Goodwill store to see if I could find a cheap lamp shade. I was surprised to find the store packed with Halloween shoppers. It was as if someone flashed a banner across the sky and told everyone to head to their local thrift store to get Halloween costumes, and they came in droves.

As budgets get tighter, the need to get creative becomes greater. In addition to having a large selection of gently used, ready made Halloween costumes for sale, the store is a virtual supermarket for the creative among us to conjure up a cheap costume.  Having trouble thinking of costume ideas? Head over to Pinterest  for some really creative DIY ideas or try any one of these 101 ideas for clever, and cheap.

If you’re into decorating for Halloween, look no further than your local dollar stores which stock hundreds of items for every holiday.

Get creative, and no one will ever know you did everything on a budget.

Slow Cooking Save Time and Money

slow cookerNo matter what the season — summer, fall, winter or spring — a slow-cooked meal saves both time and money. Before leaving for work place all ingredients into a slow cooker, set the time and temperature and forget about it until you get home. Then, without any muss or fuss, sit down to a delicious home-made meal. Yes, it’s that simple.

Today, people lead very busy lives. It’s the biggest reason fast foods and prepared foods in supermarkets have become such big items. It’s also what adds to the cost of groceries. Slow cooking from scratch costs half as much or more than buying prepared foods.

Of course, there is still some preparation time involved with many slow cook recipes which usually consists of peeling and slicing vegetable. This can be done the evening before or you can get up a few minutes earlier in the morning. The slow cooker does the rest of the work.

Money saved. Time saved. And there’s a slow cooker to suit everybody’s needs and budget. There are slow cookers of every size to suit one person or families large and small. In fact, if you don’t want another kitchen gadget to take up counter or storage space, a simple dutch oven will serve the same purpose. You need only set the time and temperature on your stove’s oven.

And there is no lack of recipes for this versatile cooking appliance. Here’s a few to tickle your taste buds.