A personal finance and frugality blog that focuses on the fun - and how far you CAN get that dollar to stretch. By author Christina Spence, of "Living Large on Less."
Sunday, August 27, 2006
Make Your Own: Hershey's Chocolate Syrup Copycat Recipe
1 Cup Sugar
1 Cup water
1 tsp. Vanilla
dash of salt
Combine cocoa, sugar, and salt in a saucepan. Add water, and mix until
smooth. Bring this mixture to a boil. Allow it to boil for one minute,
be careful this does not over boil. Remove from heat, when this cools
add the vanilla.
Make Your Own: Italian Dressing Mix
1 TB Garlic salt
1 TB Onion powder
1 TB Sugar
2 TB Oregano
1 ts Pepper
1/4 ts Thyme
1 ts Basil
1 TB Parsley
1/4 ts Celery salt
2 TB Salt
For Dressing Mix:
1/4 Cup Cider Vinegar
2/3 Cup Oil
2 TB Water
2 TB Dry Mix
Shake well.
Saturday, August 26, 2006
One More Frugal Use for Old Socks: Dusting Devices
This is a fun cleaning tip for kids - give them an old (clean) sock on each hand and let them have fun dusting!
Frugal Cleaning: Don't Throw Out Those Old Socks!
Have any more cleaning tips using old socks? Send them to me (Christina) at christina @ happyslob.com
PS. If you'd like tips on creating a frugal cleaning kit, visit: Cleaning Kit Advice & Tips
Make Money Tips: Sell Crafts at Craft Shows
Tuesday, August 22, 2006
Easy Ways to Rejuvenate an Old Scratched CD (Frugal Tips; Cleaning a CD)
2. Dry from edge to middle with towel.
3. Here's the science bit --- Put a TINY spot of non-fluoride toothpaste (yes really!) on to towel and gently rub from edge to middle again.
4. Using a clean piece of towel buff in same direction.
Make Your Own Vanilla Extract - Homemade Gifts
The great thing is - once you have a bottle of homemade extract, you'll never go back to using store bought. The taste is amazing!
Frugal Cleaning Tips: The 2 Items You Need
- Baking Soda
- Vinegar
Baking soda is a cleaning powerhouse! Use it to:
- Replace harsh commercial powdered cleansers
- Reduce odors (simply place in a small open container and it will help to neutralize and remove odors naturally)
- Reduce odors in kitty litter boxes - simply sprinkle into fresh litter every time you've changed the cat litter
Vinegar is another must-have for frugal cleaners. It can:
- Replace all-purpose cleaners! Just pour 1 part plain white vinegar into a clean plastic spray bottle. Add 4-5 parts tap water and shake well. For a little extra cleaning power you can add 1 or 2 drops of natural liquid dishwashing soap.
- Get your sink's taps and faucets shining - use it straight for extra power
These are just a few ways that you can use baking soda and vinegar to clean your home. For dozens of extra (free) uses, visit:
Dozens of Vinegar Uses
Dozens of Baking Soda Uses
Interesting Statistic to Motivate You to Pay Off Credit Card Debt
To help pay off credit card debt more quickly, be determined to STOP USING the credit card. (Except for real emergencies.)
Frugal Food and Recipes: Copycat Boston Market Bread Pudding
Sugared Pecans: In small skillet combine 2 tablespoons butter and 1 tablespoon oil, med-low heat, with 2-oz pecan pieces. Stir only till heated and barely bubbly. Sprinkle with 4 tablespoons sugar.Stir briskly only till sugar dissolves, on low heat AS THESE BURN QUICKLY! Work fast. Dump them into paper towel lined plate. Spread out to cool while you prepare the rest.
Plumped Raisins: In small saucepan combine 1/3 cup raisins and 1 cup boiling water. Cover pan with lid 20 minutes. Drain and discard water. Add 1/2 cup packaged shredded coconut to raisins. Set aside.
Dumplings: In dutch oven combine 6 cups water and 1/2 cup sugar. Bring to boil. While you wait for that to boil, combine in medium bowl, 3 cups Bisquick, 1 cup milk, 1 tablespoon sugar, stirring with fork to moisten thick dough. When water come to boil, drop dough by rounded tablespoonfulinto boiling water, making about 14 dumplings. Cover pan with lid. Simmer dumplings very gently 20 minutes. Uncover and let cook another 10 minutes gently. Baste often in the liquid, which is now becoming thickened and creamy looking. Remove pan from heat. With slotted spoon remove HALF of dumplings to greased 8" square baking dish. Sprinkle with pecans andraisins/coconut. Arrange rest of dumplings over that. Set aside. Make sauce next.
Caramel Sauce: Strain remaining liquid into heavy 2 1/2-quart saucepan. Bring to boil. Stir constantly. Add 1 cup packed light brown sugar, stirring vigorously, med-heat till it boils briskly 2 or 3 minutes or till sugar is completely dissolved and sauce drops from spoon in large drops rather than like water. It should be the consistancy of smooth gravy. Spoon sauce over dumplings filling dish right to the rim. Cool 15 minutes.Cover; refrigerate to serve within few days. Micro warm servings oruse cold with a scoop of ice cream on top of each. Serves 6 to 8.
Frugal Food and Recipes: Copycat Chips Ahoy Recipe
4 cup All-Purpose Flour
1 tsp Baking soda (level)
2 tsp Salt (level)
1 cup Light Brown Sugar (packed)
1 cup Granulated Sugar
1 1/2 cup Vegetable Shortening (Crisco)
1 1/2 tsp Vanilla Extract
1 large Egg White
2-4 tbsp Water (warm)
12 oz Mini Semi-Sweet Chocolate Chips
Bring all ingredients to room temperature. Preheat oven to 325 °F. Mixthe flour and baking soda in a bowl and set aside. Use an electric mixer to mix the two sugars and shortening. When creamy add the vanilla, salt,and egg white. Add the flour 1/2 cup at a time adding a tablespoon of warmwater as necessary to mix the flour - don't exceed 4 tablespoons of water- this will make a firm dough. Mix in chocolate chips. As the dough gets thicker you may want to mix by hand and abandon the electric mixer.Roll into 2 inch balls and press down with the palm of the hand to make flat. Bake 12-15 minutes or until golden brown.
Sunday, August 20, 2006
Frugal Food and Recipes: Award Winning Buttermilk Brownies
Friday, August 18, 2006
Debt Reduction Techniques: Pay off Credit Cards Faster
Let's say you have three credit cards:
- Credit Card A - Balance $4200.00 (Interest rate 9%)
- Credit Card B - Balance $560.00 (Interest rate 18%)
- Credit Card C - Balance $1500.00 (Interest rate 4%)
While Credit Card A is the one that worries you the most, don't work to pay it off entirely first. I know you might be scratching your head right now -- but you need to use the SNOWBALL EFFECT for paying off debt. It works like this:
- Continue to pay the minimum amounts on all of your debts/credit cards. On the credit card with the smallest amount owing, pay as large a payment as you can afford each month, until the balance is at 0.
- Let's say that after 4 months of paying $140 on Credit Card B (the one with the highest interest rate AND the lowest amount owing) you've eliminated that credit card payment. Congratulations! Now...use that extra $140.00 a month on your next lowest amount owing - which is Credit Card C. (Some people choose to pay off the highest interest accounts first. This is entirely up to you. I prefer to stick with the easy way of getting rid of the smallest amounts first.)
- So, now you're paying an additional $140 per month on Credit Card C - that is, on top of the minimum monthly payment you were already paying. Continue like this until this credit card payment is also eliminated.
See how this works? :) After a while, you'll not only have a great sense of accomplishment - by ELMINATING some of your debt - but you'll also be working towards your eventual goal of ELIMINATING ALL OF YOUR DEBT!
This is an original article written by the owner of this blog. If you would like to re-publish it in whole or in part on your blog or website, please simply link back to this blog: http://frugalites.blogspot.com
Set a new Savings Goal - Frugality Tips
Even if you think you can't possibly save any money - you're wrong. Set a reasonable goal of even 5% of every check you earn. You'll be surprised by how quickly it can all add up.
And, to help those savings grow more quickly, check out the new high interest savings accounts at nearly every bank or financial institution. Compared to the miniscule interest rates of the past, these high interest accounts make every little bit of money add up quicker than ever before!
Wednesday, August 16, 2006
Copycat Chi Chi's Salsa Recipe - Frugal Food and Recipes
2 green onions diced
2 ripe tomatoes diced
1/2 tsp. salt
1/2 tsp. black pepper
dash of tabasco sauce
14oz. can stewed tomatoes
Dice the stewed tomatoes and combine in sauce pan with onions, fresh
tomatoes, salt and pepper. Bring to just a boil. Boil hard 1 minute
and remove from heat. Put half of the mixture through a blender,
just to mince fine but not puree. Return to remaining half of mixture.
Add tabasco to taste.
Cool and refrigerate in tightly covered container.
Use within a few weeks and it freezes up to 6 months.
Create Your Own Gift Cupboard - Frugal tips and Hints
I thought this was a fantastic idea. When you see something at an outrageous bargain, but can't think of anyone who you could give it to right away - put it away in your own little Gift Cupboard. Then, when a gift is needed, you not only spare yourself the stress of shopping for it last minute BUT you also save a lot of your hard earned cash.
One More Frugal Coffee Treat - Black Forest Coffee Recipe
Make Your Own Gourmet Coffee Drinks This Summer
Coffee Soda Recipe
Coffee Shop Recipes - Including Starbucks Copycat Recipes
Enjoy, all you fellow coffee lovers!
Monday, August 07, 2006
Make Your Own Boboli Pizza Crust (Copycat Recipe; Frugal Recipes)
1 pk Dry Yeast
1/4 cup Water
2 1/4 cups Warm water
6 tb Olive oil,+ extra for pans
6 cups Flour
1 ts Salt
Dissolve yeast in warm water (105F is perfect). Let it sit for two minutes.Add the rest of the ingedients and mix well. Turn out onto board and kneadfor ten minutes. Place back in bowl covered with a damp towel and let rise 30 to 40 minutes. Divide dough into 3 parts and place in 3 olive-oiled pie pans.Dimple dough with fingers. Place on top the following mixture: Coarse sea (or Kosher) salt, fresh ground pepper, chopped rosemary and thyme. If herbs are dried, soak them in water for 10 minutes and then pat dry on paper towels. Let rise 50 to 60 minutes. Bake at 350 degrees F for 25 minutes.May dip in olive oil.
Wednesday, August 02, 2006
Delicious Pie Recipes: A Frugal Dessert Anytime
Rainbow Jello for Kids
Here's a fun recipe to try with your kids! :) It also happens to be a frugal treat to make...
2 (3 ounce) packages lemon Jell-O gelatin
2 (3 ounce) packages lime Jell-O gelatin
2 (3 ounce) packages strawberry Jell-O gelatin
2 (3 ounce) packages orange Jell-O gelatin
24 ounces evaporated milk (3/4 cup for each flavor of jello used)
1. You can use any variety of jello you want and as many as you want.
2. Use 1 box of lemon jello with 3/4 cup boiling water and 3/4 cup cold water.
3. Mix well and pour into a 9x13 Tuperware container.
4. Let set a little while.
5. The next layer consists of the other box of lemon jello, but this time combine 3/4 cup boiling water and let that sit for awhile and when a little cool, add 3/4 cup evaporated milk and mix together. Pour onto the 1st layer in Tuperwarepan (that gives it a slightly different color and taste).
6. Continue with the other colors of jello you want.
7. Kids love it. :)