Happy Father’s Day

Since our son can’t talk (yet), I’ll speak for him.

Thanks for making him laugh harder than anyone else can.

Thanks for getting up early with him on the weekends so his mom can get some extra sleep.

Thanks for being so patient with him, no matter how unreasonable can be.

Thanks for providing the roof over his head, the clothes on his back, and the million other little luxuries he’s lucky to enjoy because of your hard work.

And thanks for giving him your pretty blue eyes — and the rest of your features while you were at it, because let’s face it, he’s basically your mini-me.

Happy Father’s Day!

 

I need to grow a green thumb pronto

One of the things I love most about our house is that it rests on about an acre of beautiful land. Unfortunately, we moved in a little late in the season to till and plant a garden, but you better believe I’ll have a mini farm back there next spring. Tony is looking forward to cutting down on the amount of grass he needs to cut, and I can’t wait to harvest fresh organic produce.

In the meantime, I put in a small raised herb and vegetable garden in the flower bed in front of the house. We planted red pepper, tomato, cucumber, sage, peppermint, parsley, oregano, rosemary, and basil. It’s my first garden, so I wanted to keep it small and manageable. But I have much bigger plans for the future.

Everyone who has visited us has walked around the property and marveled at the plant life. Unfortunately, most of it is overgrown and woefully neglected. That’s one of the downsides of purchasing a renovated home. The seller bought it a year ago, completely renovated the interior, and let the acre of property grow unchecked. In some spots, our yard has turned into a rainforest.

Exhibit A: Piles and piles of yard waste behind the shed that’s dead underneath but sprouting plants and vines on top.

Exhibit B: Dead wood stacked next to the shed that we need to do something about before it attracts termites.

Exhibit C: Patch of weeds with flowers underneath. In the spring, there were daffodils here. I have no idea what other pretty plants would thrive if we could get rid of all this weedy growth.

Exhibit D: Honeysuckle plant that may eventually overtake our house if we don’t get it under control soon.

Exhibit E: Brambles and brush that’s possibly hiding a mulberry bush and who knows how many critters. Yikes.

One of the ambitious plans I discussed with my mom was the possibility of planting a mini orchard – a couple small apple trees and maybe a pear tree.

Both my parents and my in-laws have come to visit the house since we moved in, and we walked the yard with both of them to get their help identifying some of the plant life. They all assumed the four trees with tiny fruit growing on them were crab apple trees. I decided I’d probably take them down to make room for my mini orchard eventually.

This weekend, though, I discovered that the tiny fruit on those trees has continued to grow, and they appear to be growing into real, honest-to-goodness apples.

Exhibit F: Mysterious fruit-bearing trees.

I can’t find a reliable way to tell if they’re true apples or crab apples. They don’t seem as round as crab apples. I cut into one, and it looked exactly like an apple on the inside. It also tasted like a tart apple. It was tart, but definitely sweet, not bitter. I haven’t been able to find out whether crab apples look and taste like apples, but they already look bigger than most of the crab apples I’ve seen in pictures.

One thing I’ve read in several places is that the only difference between crab apples and true apples is that crab apples are less than 2 inches in diameter. Some of the fruit on these trees is already 2 inches or maybe a little bigger, so I have high hopes.

If they are apple trees, they’ve been allowed to grow much too tall (25 or 30 feet). They also haven’t been pruned in at least one growing season, possibly more, because the previous owners of our home before the renovation were an elderly couple that probably didn’t do too much yard work. It looks to me like it’s probably been several seasons since they were pruned.

I’m not sure what kind of fruit the trees will yield this year. There is a ton of fruit on them, and I fear I’ll end up with a million tiny, too-tart apples (or crab apples) instead of a smaller number of plump, delicious apples. The trees are also full of dead limbs and look like they could possibly be sick in some places, so I need to do more research to determine if the fruit is even safe to eat.

I am feeling incredibly overwhelmed by all of the plant life we’ve inherited on this property. It’s an embarrassment of riches for this wanna-be gardener, but I feel like I’ve inherited too much for a beginner to take on at once.

Any tips on how I can save these giant apple trees – or advice on how I can determine if they’re real apple trees at all? I’ve grown unreasonably attached to the idea that they may be apple trees, and I’d like to rescue them if they are. I just have no idea how to do it.

Also, if you have any tips on what I can do about the rest of this hot mess, I’d love to hear them!

Dairy-free coconut milk ice cream (you won’t even miss the dairy, I promise)

Summertime = ice cream. Obviously. So now that summer is here, and Judah still doesn’t seem to be tolerating dairy in my diet, I was understandably bummed about it.

I looked at the “ice cream alternatives” in the grocery store — there are soy, rice, almond, and coconut milk varieties — but I sort of dragged my feet about trying them. I viewed them the same way I view “dairy-free” cheese. What’s the point? If it’s only going to remind me how much I want the real thing, then I might as well just skip it.

After some cajoling from Tony, I finally agreed to try coconut milk ice cream. No dairy. No soy. Still pretty high in fat and calories, so you can’t eat a pint every night without putting some junk in your trunk, but it’s okay as an occasional treat.

I tried it, and I FELL IN LOVE. Coconut milk ice cream is absolutely delicious. I didn’t miss the dairy at all. It tasted rich and smooth just like real ice cream, and the slight hint of coconut flavor just made it all the more delicious — and I’ve never been a huge fan of coconut in large quantities.

The only problem? Coconut milk ice cream is not frugal. Not even a little bit. We can usually get two quarts of premium ice cream for $2.50. A pint of coconut milk ice cream will cost you at least double that, and usually closer to $6. For a single pint.

Because my husband is a saint — and because he missed ice cream, too, but didn’t dare try to eat it in front of me — he found this recipe for chocolate coconut milk ice cream. We made a few alterations to make it more affordable (agave syrup may be healthy, but it’s pricey). Here is our version of the recipe:

Chocolate Coconut Milk Ice Cream

3 cups of unsweetened coconut milk (two cans)
2/3 cup of cocoa powder
8 tablespoons simple syrup
1 teaspoon vanilla extract
6 tablespoons brewed coffee, cold

Mix ingredients together until smooth. Cover and refrigerate overnight. Add cold coffee. Follow your ice cream maker’s instructions to turn the mixture into ice cream. Serve immediately as “soft serve,” or freeze overnight for firmer ice cream.

We paid about $3 for the coconut milk and pennies for the small amounts of sugar, vanilla extract, and coffee included. It yielded about a quart and a half of coconut milk ice cream for about half the price of a pint in the grocery store. I’m excited to try all kinds of variations on this recipe, including vanilla and coffee flavors and all kinds of mix-ins.

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How to avoid money drain

Recreational shopping has always been one of my biggest money drains. I can turn a quick stop at Target for a necessary item into a $40 splurge more easily than I want to admit. It’s a problem that I acknowledge, and I’ve been working to correct it.

We have a lot of things on the “to-do” list for our house – new furniture, a garage door opener, an epic garden, a riding lawnmower, and decorating to name just a few. All of these things are going to cost money. Since our mortgage payment is a bit higher than our rent used to be, our budget is a little tighter these days. Not to mention, I always promised myself that once we bought a house I’d finally buckle down and divert more money toward our student loan debt, so that’s definitely on my mind.

The point is, I certainly can’t afford to walk into Target or sign into Amazon and drop $40-$50 on crap I don’t need. When it comes to money drain, prevention is key. The trick is to avoid your triggers. Here are my main money drains, and how I combat them.

Marketing emails.

Signing up for email updates from your favorite stores and websites can help save money, because it will alert you of sales. It can also be a major money drain. If I receive an email about a big sale, I’m always tempted to buy something because “it’s such a great deal!” – even if I don’t really need anything. If you’re on a tight budget and unnecessary spending is an issue, unsubscribe to all of those emails. If an occasion rises that requires you to buy something, be purposeful about your shopping and seek out sales or coupon codes.

Daily deal alerts.

Daily deal sites like Groupon and Living Social are incredibly popular on frugal blogs right now. It’s true that they can save you a ton of money, but again, you’re not saving if you’re spending money on things you don’t need. If you’re struggling with self control, it may be time to unsubscribe and tune out the “daily deals.”

Recreational shopping.

This is a tough one for me, because browsing is one of my favorite frugal ways to get out of the house in extreme hot weather. I take a walk around a store or mall to enjoy being out and around without sweltering in the heat and humidity. Unfortunately, it usually leads to buying things – or seeing things that I want to buy, which just makes me feel deprived when I have the will power to refuse. I’m still looking for an alternative to this activity when the weather is too hot to get outside. Any suggestions?

The drugstore game.

I’ve amassed quite a stockpile of toiletries and hygiene items thanks to the “drugstore game” – matching coupons with weekly deals at CVS and Walgreens. I’m guilty of buying things I don’t need just to get a deal. Even if it’s a great price, any money you spend to buy things you don’t need is a waste, especially if you’re acquiring more items than you can reasonably use. Remind yourself that there will be deals in the future, and you can stock up again when your supply runs low. Use that money to pad your savings or pay off debt instead.

Plan a menu – and skip boring recipes.

If dining out is a big spending trigger for you, it’s time to get organized and get excited about eating at home. The two biggest reasons people spend unnecessary money on dining out is poor planning and lack of excitement about meals at home. If you frequently head to a restaurant or drive thru because there’s nothing else to eat, try creating a menu plan at the beginning of the week and hanging it on the refrigerator to remind you of what’s for dinner each night. If you plan meals, and still find yourself heading out to eat because tonight’s dinner doesn’t sound appealing, it’s time to shake things up. Try new recipes, recreate your favorite restaurant meals, or add new flavors to old foods. My favorite recipe sites are AllRecipes, Real Simple, and Food Network.

Make your favorite treats at home.

I’ve made no secret about my terrible little Starbucks habit. But when I realized my weekly fancy coffee allowance was turning into a two or three times a week habit, I decided to find another way to indulge. I make iced coffee and smoothies at home now for a fraction of the cost. If there’s an expensive treat you indulge in, find a way to satisfy your cravings at home for less money. Alcoholic drinks are usually way overpriced in restaurants and bars. Mix your own cocktails at home or buy a case of beer or bottle of wine and invite friends to your place instead of going out.

Get organized.

One thing I absolutely cannot stand: losing money due to poor organization. Even if it’s just a 25 cent overdue fine at the library, it is such a waste, because I get no value out of the money. I’m paying for a stupid mistake. Overdraft fees (which do still exist in some situations), late charges for bills, overdue library fines, and expensive repair bills for things that could have been avoided with better care and maintenance all fall into this category. Create a system for reminding yourself of due dates and service appointments for the car and home. Keep a close eye on bank accounts and statements to avoid charges. Keep your emergency fund healthy so you can afford to make repairs before small problems become expensive emergencies. Every penny you avoid losing is a penny in your pocket.

What are your biggest money drains? And how do you avoid them?

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3 simple things you can do right now to improve your state of mind

This post was originally published on July 16, 2009.

to do list

Sometimes when my to-do list is a mile long and I’m short on time and feeling overwhelmed, I feel like if I can’t finish everything right now I’m going to lose it. Don’t you hate those days?

Well, when I’m having a day like that, there are a few things I do to immediately make myself just a little calmer. That little bit of perspective is usually enough to allow me to get it together and get things done.

If you’re feeling overwhelmed, here are some easy things you can do to get it together:

Clear your space.

Even if you don’t have time for full-fledged cleaning, take some time to ditch the clutter. I’m talking about the papers on your desk at work, the weeks of junk mail and magazines piled up on the table, and the breakfast dishes in the sink. My husband uses the dining room table as an office, which doesn’t bother me, until he gets a few days worth of papers stacked up all around him.

Take five minutes to clear the space around you. Get rid of the clutter, throw the papers into the recycling bin, and put the little nick nacks back where they belong. This includes your email inbox. Go through your emails, tackle the easy stuff with a quick reply, and add more involved tasks and responses to your to-do list. You’ll feel better instantly.

Make a list.

Now that your space is clear, take a few minutes to prioritize your to-do list. If you’re anything like me, your to-do list is scrawled in no particular order or, worse, stored in your brain. By making a physical list, you can not only prioritize and visualize what needs to get done, but you’ll get the satisfaction of crossing off your accomplishments.

I usually try to tackle the most difficult tasks first, but if you’re already feeling burned out, it may help to start with something easy to help you recharge. Find an order that works for you, and take a moment to evaluate your list and determine the best way to get everything done.

Take a walk.

I know, it seems counterproductive to take a break when you’re already short on time. But sometimes you just need to remove yourself from the stressful situation and take a time out to gather your thoughts and your sanity. I write a lot in my job (and of course for this blog), and sometimes I’ll spend two hours looking at a blank screen before I get up and take a break. After a quick break, I often come back and finish the project in 30 minutes because I’ve had a chance to gather my thoughts.

If you can’t take a walk, at least take a few minutes to take some deep breaths. If you feel tied to your to-do list, it’ll only make you feel resentful and you won’t be as productive. Remind yourself that you’re in control of the situation, and you can take a break if you need to. When you return, you’ll likely be more focused.

What do you do when you’re feeling overwhelmed?

Homemade baby food 101

All-natural, organic whole food is all the rage these days. If you’re introducing your baby to solid foods, you’ve probably wondered how you can avoid feeding him pricey, pre-packaged, preservative-laden baby food. Well, I’m going to tell you.

Here’s what you need:

  • Fresh, organic fruits and vegetables
  • A food processor, food mill, or blender to puree them

That’s seriously it.

The best thing about making your own baby food is that there is no tutorial necessary. There’s nothing to learn. If you can buy produce and puree it, then you can make baby food.

Of course, some foods are just a little more complicated. If you want to feed your baby something that easily oxidizes, like apple or banana, you’ll want to add a little vitamin C to the mix so you can freeze or refrigerate some. If you don’t want to mess with all of that, you can do what I do: cut the banana or apple in half, puree one half for baby, and eat the other half or serve it to an older child immediately. That way you’re not wasting any of it, but you don’t have to store it.

Judah hasn’t tried many foods yet. We’ve given him bananas, apples, carrots, and mangoes. We steamed the carrots before pureeing them, but the apple, banana, and mango were served raw. We tried to freeze half a pureed apple, but without vitamin C, the brown gook that we thawed was pretty inedible. Steamed carrots and fresh mango didn’t look or taste any different after thawing.

In addition to being healthier for baby, homemade baby food will save you a ton of money. At $1 or $1.25 each for two 4-ounce jars of organic baby food, it may not seem like you’re spending a lot. But when you consider the fact that you’re paying a whole dollar for a small amount of processed produce, it’s a lot more expensive than you think. Not to mention the environmental effects of the packaging and shipping.

We can get four 4-ounce jars of baby food out of one organic mango for $1.50. That’s 37 cents per jar. Organic mango is one of the fancier, more expensive foods. Organic bananas usually sell for around 69 cents a pound at my grocery store. A rough estimate is about 25 cents per banana. I feed half the banana to Judah and eat the other half, so 4 ounces of homemade mashed banana costs about 12 cents. Apples and carrots cost about a quarter per serving. Based on these very rough estimates, you can cut your baby food costs by 50 to 80 percent.

You can save even more (and be greener) by growing the food in your garden. Unfortunately, I wasn’t able to plant my garden this year, but my next baby will eat organic produce from my own backyard.

If you plan to make large quantities of baby food, buy some small mason jars or Tupperware containers. Freezing or refrigerating excess will make homemade baby food almost as convenient as the store bought stuff. To thaw frozen baby food, put it in the microwave for a minute or so. Be sure to stir the puree well and test the temperature for “hot spots” caused by the microwave before serving to baby.

If you’re like me and you don’t have a microwave, put the jar of frozen baby food into a bowl with hot water and place a coffee mug on top to keep it from floating. Leave it on the counter for 10 minutes. If there’s still a frozen chunk in the middle 10 minutes later, stir the puree, refill the bowl with more hot water, and leave it for another 10 minutes. If you just want to warm up refrigerated food, it will obviously take much less time.

I found a lot of great ideas and instructions on this wholesome baby food site. But honestly, once you get the hang of it, it’s as easy as perusing the organic produce section at your grocery store, buying whatever looks good that week, and buzzing it up in the food processor. No further instructions necessary.

What are your baby’s favorite homemade baby foods?

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Receive weather alerts on your smart phone with NOAA weather radio app

I grew up in northern Indiana, where tornado warnings rarely mean business. Tornadoes touched down in our area a handful of times when I lived there, but they were always weak storms that caused superficial damage at most.

Now we’re living in southern Indiana, which is on the outer rim of tornado alley. The deadly storms in the south and Midwest over the last few weeks have served as a wakeup call for me. I’m taking severe weather warnings a lot more seriously these days.

Several weeks ago, before we moved into the house, we were living in a second floor apartment during some pretty severe storms. It was thundering and raining hard and the wind was heavy. The power went out. We weren’t really sure what to do or whether the situation was severe enough to warrant taking cover somewhere other than our second floor apartment.

We decided to stay awake, hang tight, and take cover if things seemed to get worse outside.

The next morning, we awoke to the news that a weak tornado had touched down just blocks from our apartment. It damaged some houses, knocked out some power lines, and downed trees. Thankfully, because the storm was weak, no one was hurt and no serious property damage was caused. But I felt uneasy knowing that a tornado had been so close, and we had no idea.

Our situation is a little safer now that we live in a one-story brick house, but I want to be sure we can keep up with weather alerts, especially if the power goes out or a storm hits in the middle of the night.

I did some searching for solutions, and last night I downloaded an app for my smart phone that works like a weather radio. It will buzz and notify me if severe warnings have been issued for my area. Because it doesn’t depend on my home Internet connection, I’ll receive alerts even in a power outage as long as my phone is charged. The updates come directly from the National Oceanic and Atmospheric Administration (NOAA).

At $3.99, the iPhone version is a good value for the money considering the fact that weather radios cost anywhere from $30 – $100. You can download the iPhone version here.

This particularly dangerous storm season isn’t over yet. Please stay safe, and be aware of alerts in your area, whether you use a smart phone, traditional weather radio, or local news reports.

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Are you “financially fragile”? How to fix it.

According to a new study, nearly half of all Americans definitely or probably couldn’t come up with $2,000 in 30 days if they faced a financial emergency. Financial experts recommend keeping an emergency fund with enough cash to cover at least three to six months of expenses. Based on this research, it seems almost half of Americans would struggle to cover even one month in the event of a job loss or other emergency.

Considering the state of the economy over the past several years, this doesn’t surprise me. I have lived paycheck to paycheck in the past, and I know what it’s like when the money seems to leave your savings account more quickly than you can save it.

I truly believe that with some advance planning, though, most of these families wouldn’t be nearly as financially fragile. We were earning less than half of our current income when we finally began saving money. We went from barely squeaking by to saving a small amount of money every month without increasing our income.

By saving or earning an extra $160 a month, you could build a bare bones emergency fund of $2,000 (plus a little extra with interest) in one year. But how? Through a combination of spending less and/or earning more. Here are some ideas.

Spend less

Line-dry your clothing. The clothes dryer is one of the most expensive appliances in your home. By line-drying some or all of your clothing, you could noticeably reduce your electric bill.

Weatherproof your home. Seal drafty doors and windows with weather strips, update window treatments to insulating curtains or blinds, and take other steps to better insulate your home to cut your heating or cooling costs.

Add one or two vegetarian meals to your weekly menu plan. Reducing your meat consumption can make a huge difference in your grocery bill.

Lower monthly payments. If you have a lot of minutes left on your cell phone plan every month, you might be able to save some money by reducing your plan. Call insurance and utility companies to see if you qualify for any discounts.

Use Netflix, Hulu, and Redbox instead of cable for entertainment. Hulu costs anywhere from $0 to $8 per month. Netflix can cost as little as $9 a month. Cable costs $40 and up. You might be surprised how little you miss cable.

Downsize. Move to a smaller, less expensive house or apartment. Trade your fancy car for a reliable used vehicle with a lower (or no) payment. Become a one-car household.

Use cash for weekly expenses. This was the easiest thing I’ve ever done to cut spending fast. Set your weekly budget for daily expenses like gas, groceries, etc. At the beginning of the week, withdraw the amount of cash you’ll need. You’ll be amazed at how little you spend when you’re not unconsciously swiping your debit card several times a day.

Earn more.

Sell your stuff. Do you have shelves and shelves of DVDs and books and you don’t watch or read anymore? What about clothing you haven’t worn in years? Jewelry you don’t wear? Have a rummage sale or start liquidating your unnecessary assets at consignment shops, resale stores, or online.

Think like a teen. Clean houses, mow lawns, babysit. Start thinking of the ways you used to earn money as a teen. They may still be viable sources of income even as an adult.

Sell crafts on Etsy.

Find a part-time job for evenings and weekends.

I realize it’s easier said than done, but even if you can’t get to $160 or more per month, cutting expenses and earning more can help you start saving something, and that’s the first step to building your emergency fund.

What suggestions do you have for people who want to start saving to protect themselves from financial emergencies?

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Three years and counting

Three years ago, we promised to be together forever.

Two years ago, we camped on the beach with our pup and climbed to the top of a pretty tall lighthouse.

One year ago, we celebrated our second anniversary in the Paris, the City of Love. We toasted with orange juice, because I was 11 weeks pregnant.

Tonight, after our baby is sound asleep, we’ll open the bottle of wine we bought on our honeymoon and toast to three wonderful years together.

Everything has changed so much since our wedding day. The only thing that’s stayed the same is how much I love the man I married.