We had some friends over recently, one of whom drinks Dr. Pepper like it's going out of style. I mentioned my Coke points and told him that Dr. Pepper had a program too. It doesn't seem to be right for him.
I will always fail to see how, if you pay for a product that offers a reward program, how you don't take that reward. The arguments seem to be based on time spent on the program or the low rewards.
Sure, it may take a year to save up enough points to do something, but after a year it's nice to have something to show for my caffeine habit!
I used my Coke points this year for holiday gift shopping. Little things like small amount gift cards and magazine subscriptions are easy enough to earn. I have people helping me with this. My mother saves the reward codes off of her CocaCola 12 packs, my friends save their caps for me when they hit the gas station, etc. If I know a Coke drinker who doesn't use their points, you can bet I farm them to my own account.
Now, I don't think you should all have an obsession with money-saving like I do, but fail to see the point in the waste of tossing out the little rewards we get while you complain about the prices of the same goods. To me, it's like having a Sunday paper and not clipping coupons or shopping at a grocery store every week and never getting their discount card. Money may not grow on trees, but you can keep more in your pocket with some gentle vigilance.
What to do if you want to start these things? Check out your rewards programs and get accounts. Decide how you want to use it. With grocery stores, you'll save money, but with things like drug store rewards or soda rewards, you get freebies, discounts, and prizes. I use mine as a "Christmas Club" type thing. It's one way I save for the holidays. For you, it might be a once a year treat for yourself, school supplies for the kids, or something else. Which rewards you use will help you decide how to stretch those points the most.
Here's a list of brands/stores/products that offer some kind of reward.
Godiva - one free piece of chocolate a month at their stores. Sign up online at their website
Grocery stores - almost every grocery store has a discount card!
Wallgreens and CVS both have programs. CVS Rewards is great.
Coke and Dr. Pepper both have programs
Huggies and Pampers both have points programs
Department stores - check with your local clothing stores to see if they have a frequent shopper reward
Restaurants - just like department stores, ask if they have a discount card
Finally, get on EVERYONE'S email list. You'll get some annoying announcement emails, but you'll get coupons and birthday freebies too!
Tuesday, October 18, 2011
Wednesday, October 12, 2011
Holiday Craft Time!
It's time to start on holiday crafting. Long fall days at home are great for simple and complex crafts, and I'd like to think that anyone can do them. Some foraging is required if you want to keep crafts low/no cost, but it's worth it. Homemade gifts show thought, care, and love. Any shmuck can go buy a gift basket, but it's a loving (and talented) friend who will make a useful or beautiful gift for you. Ok, so we all buy gifts, but make your crafty friends feel good by telling them that last bit.
What are you making? Here's my craft to-do list followed by some solutions for cost-reduction. This list is, of course, edited because some of my readers are recipients.
Food baskets are great for giving to other households when you cannot get each individual a gift. Just make the basket to their tastes. Each basket only needs a few items and a few trinkets to make it right.
Savory basket
Homemade bread
Homemade butter
Homemade ricotta cheese
Nice butter knife
Container of cherry tomatoes and mozzerella balls that have been drizzled with garlic infused olive oil.
Sweet basket
Homemade Fudge
Homemade Spice Cake
Homemade Apple Butter
Decorative Plate
Healthy Treats
Homemade oatmeal breakfast bars
Trail Mix made from local ingredients
Veggies home-preserved while fresh
Sugar free homemade jam
Homemade whole grain bread
See how easy it is to fix up a food basket? One you get all the ingredients together, fill the bottom of a big basket with shredded newspaper, tissue paper, etc. then neatly place your items in the basket. Wrap it with a clear celophane bag or colored plastic wrap and tie it all up with a pretty ribbon.
How do you reduce the cost of these time consuming gifts? Well, first start saving baskets. Free/low cost baskets are everywhere. Thrift stores, garage sales, etc. Also, start saving clear bags after you use the product in them. These clear bags can be used to wrap candies, bread loaves, pastries, etc. Other things to save include ribbon, twist ties from bread, jelly jars, newspaper, tissue paper, etc. I do my canning in the fall, so canning a few extra veggies or a few extra jars of jam is easy, especially when I pick up free veggies and fruit. Pick up non-perishable ingredients on sale during the year. Bread flour I already have at the house and a loaf of homemade bread in my machine costs about 50 cents. The nice additions in a basket like a pretty knife or decorative plate can be picked up from a discount store since you only need one for the basket. Thrift stores are also great to check for that kind of thing. I have found pretty antique plates in great condition that go well in these kind of baskets.
Instructions for everything else can be found by simple internet search. While you're using some free time online, look for crafts to do or search out some of the ones I listed.
What are you making? Here's my craft to-do list followed by some solutions for cost-reduction. This list is, of course, edited because some of my readers are recipients.
- Food gift baskets filled with all homemade or home preserved (though locally picked) food. Baskets will include a combination of... apple butter, apple sauce, cheeses, bread, jam, butter, candy, pastries/sweets, and preserved veggies.
- Christmas crackers (traditional English "poppers" filled with candy and toys)
- Blankets
- Framed photo/art gifts
- Holiday Stockings
- Dresses for the girls
- Hairbows and accessories
- Handmade wreaths
- Garland for the tree
- Word magnets (the kind where each little magnet is a word and you can make phrases)
- Plush doll (for baby)
Food baskets are great for giving to other households when you cannot get each individual a gift. Just make the basket to their tastes. Each basket only needs a few items and a few trinkets to make it right.
Savory basket
Homemade bread
Homemade butter
Homemade ricotta cheese
Nice butter knife
Container of cherry tomatoes and mozzerella balls that have been drizzled with garlic infused olive oil.
Sweet basket
Homemade Fudge
Homemade Spice Cake
Homemade Apple Butter
Decorative Plate
Healthy Treats
Homemade oatmeal breakfast bars
Trail Mix made from local ingredients
Veggies home-preserved while fresh
Sugar free homemade jam
Homemade whole grain bread
See how easy it is to fix up a food basket? One you get all the ingredients together, fill the bottom of a big basket with shredded newspaper, tissue paper, etc. then neatly place your items in the basket. Wrap it with a clear celophane bag or colored plastic wrap and tie it all up with a pretty ribbon.
How do you reduce the cost of these time consuming gifts? Well, first start saving baskets. Free/low cost baskets are everywhere. Thrift stores, garage sales, etc. Also, start saving clear bags after you use the product in them. These clear bags can be used to wrap candies, bread loaves, pastries, etc. Other things to save include ribbon, twist ties from bread, jelly jars, newspaper, tissue paper, etc. I do my canning in the fall, so canning a few extra veggies or a few extra jars of jam is easy, especially when I pick up free veggies and fruit. Pick up non-perishable ingredients on sale during the year. Bread flour I already have at the house and a loaf of homemade bread in my machine costs about 50 cents. The nice additions in a basket like a pretty knife or decorative plate can be picked up from a discount store since you only need one for the basket. Thrift stores are also great to check for that kind of thing. I have found pretty antique plates in great condition that go well in these kind of baskets.
Instructions for everything else can be found by simple internet search. While you're using some free time online, look for crafts to do or search out some of the ones I listed.
No Cash Holidays... well... close
The holidays are coming up and I'm fretting about them. Not that I haven't been preparing since summer, but this will be my first holiday with a child old enough to know it's a holiday. The oldest will be 2 and 1/2 in December. She's very verbal and will hopefully love the season.
Halloween, Thanksgiving, and Yule/Christmas are all big deals here. Plus, in January, our youngest will turn 1! In total, between now and the end of January, I'll have FOUR birthday parties to throw.
Now, as a frugal woman, I know the danger in all of this. I know my system won't fail under the stress, but practicality sometimes gives way to convenience. Hopefully my successes can help you learn to live with less cash and more creativity. First, I'm going to post how I've made progress and managed to plan for holidays during the summer. Later, I'll put up some craft tutorials for truly great homemade gifts.
I've posted about saving money before and how to stock up for your child. Those principles can be used to prepare for holidays, birthdays, and any special occasion you know about in advance. I have one closet that I've dedicated to frugal storage, including holidays. I have one standing freezer for food storage (from which I have to parcel out a little corner for things to freeze for the holidays)
So what are my methods for a no-cash holiday. Well, here goes...
I've been told that it's hard for people to do all this practically when they don't know how. In this interest, I'll list the things I have saved for the holidays and where I got them.
Fall decor, Yule decor, some toys, wrapping paper, a Father Christmas pie plate, storage boxes, ornaments, tree skirt, tree topper, window clings, and garland from various Craigslist free ads. This includes Craigslist free ads that offer yardsale leftovers, moving leftovers, a bunch-of-free-stuff-in-my-yard-if-you-come-right-now, and individual ads. Craigslist free section also got us a few bits of winter clothing for the girls.
Holiday cards, gifts, gift tags, and misc. nursery decor from Listia.com where you earn points to bid on free items. I only bid on ads with free shipping. I earned points by giving away handmade items on the site.
My barter groups and craigslist barter section gave me farm fresh produce and dried cherries that I packed in the freezer as well as a few gifts. From the barters, I also received paper plates, foam cups, plastic silverware, cake and cookie mixes, jello items, and other seasonal non-perishable food items. Finally, we got a ton of winter clothes for the girls including jammies, coats, and normal clothes... all in great condition.
Urban foraging gave me a few misc. items as well including winter clothes for one or two housemates.
A friend gave us childrens costumes that were not of use to them.
Closer to the holiday I hope to manage turkeys and more of the food for the season.
I hope this gives a better idea of how spending your time can replace spending your money. A few things still get bought, but the bulk of our special occasions involve putting lots of effort, thought, and love into the event rather than dumping money for convenient fun. I'm not trying to insult those who buy what they want. Everyone makes luxury purchases. I would like to help those who cannot spend that money or don't want to be anymore wasteful than they have to be.
Halloween, Thanksgiving, and Yule/Christmas are all big deals here. Plus, in January, our youngest will turn 1! In total, between now and the end of January, I'll have FOUR birthday parties to throw.
Now, as a frugal woman, I know the danger in all of this. I know my system won't fail under the stress, but practicality sometimes gives way to convenience. Hopefully my successes can help you learn to live with less cash and more creativity. First, I'm going to post how I've made progress and managed to plan for holidays during the summer. Later, I'll put up some craft tutorials for truly great homemade gifts.
I've posted about saving money before and how to stock up for your child. Those principles can be used to prepare for holidays, birthdays, and any special occasion you know about in advance. I have one closet that I've dedicated to frugal storage, including holidays. I have one standing freezer for food storage (from which I have to parcel out a little corner for things to freeze for the holidays)
So what are my methods for a no-cash holiday. Well, here goes...
- plan ahead. If you get it early, you'll avoid any rush.
- Barter for things you need like toys, frozen turkeys, holiday decor, etc
- Watch the free section. Many people give holiday items away throughout the year. Right after a holiday, people will give away decor for that holiday, so pick it up and save it til next year!
- Make gifts. Homemade gifts don't have to be useless or cheap if you know what you're doing
- Planning ahead words for non-perishable food and things you can freeze too. I freeze stock, dried fruits, meats, and veggies throughout the year that can be used in a holiday meal. Canned goods you know you'll use can be picked up while that product is BOGO at the grocery store during the year.
- Make a "seasonal" section of your pantry to store the cake mixes, extra sugar, canned goods, disposable plates/cups/forks that you collect.
- Adopt freegan policies and hang out with those who do. Reuse what you can and don't buy what you can get for free.
I've been told that it's hard for people to do all this practically when they don't know how. In this interest, I'll list the things I have saved for the holidays and where I got them.
Fall decor, Yule decor, some toys, wrapping paper, a Father Christmas pie plate, storage boxes, ornaments, tree skirt, tree topper, window clings, and garland from various Craigslist free ads. This includes Craigslist free ads that offer yardsale leftovers, moving leftovers, a bunch-of-free-stuff-in-my-yard-if-you-come-right-now, and individual ads. Craigslist free section also got us a few bits of winter clothing for the girls.
Holiday cards, gifts, gift tags, and misc. nursery decor from Listia.com where you earn points to bid on free items. I only bid on ads with free shipping. I earned points by giving away handmade items on the site.
My barter groups and craigslist barter section gave me farm fresh produce and dried cherries that I packed in the freezer as well as a few gifts. From the barters, I also received paper plates, foam cups, plastic silverware, cake and cookie mixes, jello items, and other seasonal non-perishable food items. Finally, we got a ton of winter clothes for the girls including jammies, coats, and normal clothes... all in great condition.
Urban foraging gave me a few misc. items as well including winter clothes for one or two housemates.
A friend gave us childrens costumes that were not of use to them.
Closer to the holiday I hope to manage turkeys and more of the food for the season.
I hope this gives a better idea of how spending your time can replace spending your money. A few things still get bought, but the bulk of our special occasions involve putting lots of effort, thought, and love into the event rather than dumping money for convenient fun. I'm not trying to insult those who buy what they want. Everyone makes luxury purchases. I would like to help those who cannot spend that money or don't want to be anymore wasteful than they have to be.
Apple Instructions
Got too many apples? Here's what to do. Buying from the store to make these things is NOT cost effective, so don't do it. Pick your own, grow your own, etc. The apple butter recipe is written in per-pound measurements so you can make it in as small or large a crockpot as you want.
Apple Butter (in the crockpot)
Peel, core and slice a bunch of apples.
Put some in the crock pot.
For every pound of apples you add to the crock pot, add 1 cup of sugar.
Add 2-3 tbsp cinammon, 1 tbsp nutmeg, 1 tsp allspice, and 1 tsp ground cloves PER POUND of apples in your crockpot.
Add 3/4 cup water PER POUND of apples in your crockpot.
Put the lid on, turn crockpot on low and let it go for 8-12 hours.
Mash up the soggy apples. If it looks to watery, turn the crockpot on high and let it cook without the lid for an hour or two.
Allow the apple butter to cool in the crockpot. Dont worry if it's lumpy. Once it's cool, run it a little at a time through your blender on it's liquify setting. Pour into ziplock bags and freeze.
To use, thaw a bag and pour it into a jar with a lid. Use within 2 weeks of thawing.
Apple Sauce (spiced)
Fill a 12 qt. stockpot 2/3 full with apples that have been peeled, cored, and sliced. Add three cups sugar and cinnamon, nutmeg, and allspice to taste. Fill pot with enough water to almost cover all the apples. Lid the pot and simmer it overnight. If there is an overabundance of liquid when you take off the lid (after at least 8 hours), strain away the liquid and save. Run the apple mush that's left through your blender once it has cooled. Bag the apple sauce up and freeze it.
You can take the liquid you pulled away, if there was any, add it back to a clean pot, add mulling spices and very quickly make cider to store/freeze.
Apple Butter (in the crockpot)
Peel, core and slice a bunch of apples.
Put some in the crock pot.
For every pound of apples you add to the crock pot, add 1 cup of sugar.
Add 2-3 tbsp cinammon, 1 tbsp nutmeg, 1 tsp allspice, and 1 tsp ground cloves PER POUND of apples in your crockpot.
Add 3/4 cup water PER POUND of apples in your crockpot.
Put the lid on, turn crockpot on low and let it go for 8-12 hours.
Mash up the soggy apples. If it looks to watery, turn the crockpot on high and let it cook without the lid for an hour or two.
Allow the apple butter to cool in the crockpot. Dont worry if it's lumpy. Once it's cool, run it a little at a time through your blender on it's liquify setting. Pour into ziplock bags and freeze.
To use, thaw a bag and pour it into a jar with a lid. Use within 2 weeks of thawing.
Apple Sauce (spiced)
Fill a 12 qt. stockpot 2/3 full with apples that have been peeled, cored, and sliced. Add three cups sugar and cinnamon, nutmeg, and allspice to taste. Fill pot with enough water to almost cover all the apples. Lid the pot and simmer it overnight. If there is an overabundance of liquid when you take off the lid (after at least 8 hours), strain away the liquid and save. Run the apple mush that's left through your blender once it has cooled. Bag the apple sauce up and freeze it.
You can take the liquid you pulled away, if there was any, add it back to a clean pot, add mulling spices and very quickly make cider to store/freeze.
Apple Picking and Grape Picking
You guys know that I'm a very excitable free shopper, but I feel that I did exceptionally well with this one. On craigslist (for my city) a friend and I found some people offering the fruit from their trees to anyone who wanted to pick. The best part was that it was FREE! All they asked is that you come pick your own. Well, a little work never hurt anyone, so with a few friends in tow, we went apple picking.
We borrowed an apple picker, which is a long pole with a wire basket on the top and tines to pull the apples into said basket. It was a huge help. At the first place, the only thing we could use was the apple picker. Oh, and some creative picking. I tossed a friend onto the roof of the shed (which the apple tree is over) and she grabbed the mostly unharmed apples from the roof. She filled a bag or two for us and a bag or two for a lady who had come without the benefit of a picker.
As we finished there, another post went up and we drove to another house with trees. These were low hanging and FULL of fruit. All told, we ended up with just over 200lbs of apples! A few days later, someone offered their grape vines for picking and we got FOUR reusable grocery bags full of grapes.
So... here's what we made and what we learned.
- A 12 quart stockpot will make about 4 quarts of apple sauce (or apple butter).
- 200lbs of apples might just be too much for an apartment
- Freezing in ziplock bags will save you money over mason jars in a pinch
- We were in over our head with the grapes. My jelly didn't set up and they are a pain to process, but fresh grape juice is delicious.
- Apple butter and apple sauce are both VERY easy to make. I'll put instructions in the next post.
- Grape jelly that doesn't set up can be watered down into very toddler friendly juice. Just mix one part liquid non-jelly into 5 parts water. That means that two quarts of failed jelly were turned into three gallons of awesome toddler grape-drink.
- Fresh raisins made in a dehydrator are great. Fresh raisins made from seeded grapes are crunchy.
- Apple pie filling is an amazing thing to have on hand, and very easy to make and freeze.
- The fabric diapers that come 5 or 6 to a pack (not the thick ones) are a great substitute for cheese cloth.
- Toddlers will steal fresh fruit given the chance. Our apple bucket regularly had a toddler hand in it to grab a piece of apple.
- Be patient with processing fruit.
- Get an apple peeler/corer/slicer. I cannot stress this enough.
- Men will help in the kitchen if you give them a masculine hand tool or a knife.
- Preparing and preserving food is a family thing. Get everyone involved.
- Stock up on cinammon, nutmeg, and allspice if you process apples in bulk
All told, it was a fun experience. I already knew how to process the apples and what to expect, but the grapes were new to me.
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