Money and time saving meal planning

I really dislike shopping with my kids. It's a lot of, "Mom! I want that!", "Mom, I'm tired.", "Can we go home and play Mario Kart yet?" Or even just straight up "Waaaahhhhh" from being too tired. So I decided to plan my meals ahead. Anywhere from 2 weeks to a whole month, depending on my financial status. I have a list of meals that I know my family loves. I have a list of things we need that I've been writing as things diminish in my pantry and I know we use often.

Knowing your family and their favorites is the most important part. Knowing your schedule is another important factor. I work part time. My husband has a time-consuming Lego hobby. Plus there are the daily tasks and chores of keeping house and home schooling. On the nights I work, my husband has to do the cooking. On the nights I'm off - I pick it up. So when I'm picking meals I have to pick the easy ones for his nights alone. I also try to incorporate things we get on WIC. We get beans, brown rice, cheese, fruits and vegetables, among other things. All healthy stuff. Beans and rice are one of my easy choices for my husband to cook. He likes to add sausage and onion to it.  None of us really like brown rice. So to compromise, we mix half white and half brown. Even my kids love it. It also makes the bag of white rice stretch farther.

When I'm planning, I also check the sales and try to match my meals with them. I print coupons based on what we use and try to match them with stores sales.

So here's how you get started. And yes... It's going to take time and effort, but it pays off later.

Start by making a list. Write meals that you know you and your family eat regularly and love. Know your ingredients or list them with the meals. I keep mine in a notebook but you could use a binder. Especially with the clear page covers so you can just flip through while planning.

Step two, is knowing your budget. We know when big bills are due and plan around them. I prefer to plan at least two weeks at a time, but maybe you can only do a week per stretch. Once you know your budget, count the days and pick a dinner for each one. Throw in a couple of lazy meals. Some days you aren't going to want to cook. So make it something easy to put together or make that the take out night. Either way, writing it into your list will remind you. Then pick breakfast and lunch items to fill in. I always keep peanut butter on hand. Tuna works well too. Snack things like chips, cookies, desserts - whatever little things you need to have on hand get added to your list next.
Now if you're really on a roll and want it super organized, take it a step further and actually list the items by category i.e.- meats, frozen, can aisle, snack aisle... You get the idea? I don't often have the patience and I'm still getting used to my stores here, but sometimes I aim for the ballpark. This makes your trip easier and faster. Also organizing your coupons to match your aisles helps too.

Now the fun part (not) of shopping! Coming home, you might have a kitchen looking something like this picture.

Another thing to keep in mind is how much storage space you have around your kitchen. We are fortunate enough to have a large pantry. But we are limited in freezer space. We don’t buy a large amount of freezer foods at once. Sometimes we have to go back to the store for things like bread, fresh veggies and fruits, or more freezer items.

Sometimes when I buy onions and bell peppers, I will chop them up and keep them in the freezer. Just remember that when you pull them out to cook not to let them stay thawed. They can get a little mushy. Cooking them right away tastes better.

I hope this is helpful in getting you started on meal planning. Be sure and leave a comment on anything you think I missed! Love hearing from you all.

Some helpful websites

So today I'm not sharing a review. Instead, I have some helpful websites you might be interested in checking out. Recently my mom shared an article with me that came from Family Circle. They were talking about making purchases online. Here are some that you should check out:

https://lish.com/ by Payvment creates a storefront based on feedback for hundreds of thousands of sellers. It uses social medi/a like Facebook to advertise by posting on people's Timeline about items they like and bought. You use PayPal for a secure transaction.

https://www.zaarly.com/ is like an online yard sale for goods, services, and experiences.

https://www.taskrabbit.com/ has a service that allows you to hire trusted folks to run errands, do household chores or perform repairs for a fee. The "taskrabbits" go through background checks and video interviews before being approved.

http://www.swap.com/netcycler.html is a service that you have to sign up and provide a valid payment method in order to use. Once you do that, you can then search for things you want and list things to "swap". Only payment expected in the swap will be shipping. In return, they ask you swap things of equal value.

Remember to look for https in the address bar and certificates such as the Norton Secured Seal!

Looking to boost your income?

If you are like me, the economy these days may be prompting you to seek extra income here and there. I recently found an article that was in Woman’s Day magazine way back in 2009. My mom had given it to me right after I had gotten married and was struggling to make ends meet. I’ve pulled some helpful tips from the article to share with you guys. As of right now, I haven’t tried all of these for myself (though I definitely plan to try a few more) so if you try them out and would be so kind – please share some feedback and let me know how it went for you!

Sell your books:

Have books lying around that you can’t seem to sell or don’t need anymore? Check out Cash4Books.net. It’s a family-owned book-buying and selling company that has been going since 2004.

1.      Type in the book’s ISBN number (on the back cover or on the copyright page in the front) and it will tell you if they are buying that book and how much cash you can get for it.

2.      Complete the transaction online.

3.      Print out a prepaid mailing label.

4.      Pack up those books and send them in.

In just a few days, you should either receive a check in the mail or a deposit to your PayPal account. But you don’t have to stop there. If you scour garage sale and thrift stores – you might find more money-making books. Be sure to check which books are selling before you buy though. If your mobile phone is internet-enabled, you can check cash4books.net/mobile while shopping.

*WARNING* While you might hit the jackpot buying a book super cheap to resell at a high profit, remember there are condition requirements. So get familiar with them before you head out.

http://www.cash4books.net/

Join e-clubs:

Most retailers, restaurant chains, supermarkets, drugstores and travel-related companies offer some kind of rewards program to encourage customer loyalty. These rewards come in the forms of discounts, rebates or even free products. So if it’s free – join it! Most times you get something special on your birthday. Check the websites of your favorite restaurants and retailers to sign up. Also look at PriorityClubRewards.com where you can earn points towards free night stays at IHG hotels, air miles, cruises, electronics and more. http://www.priorityclub.com/hotels/us/en/home

Cold Stone Creamery gives you a rewards card and will send you a promotion for free ice cream on your birthday. http://www.coldstonecreamery.com/promotions.html

DisneyParks.com – you might get a free entrance to a Disney theme park for your birthday. http://disneyparks.disney.go.com/

*WARNING* Merchants and service providers use e-clubs for sales and marketing purposes. This means you’re likely to receive a LOT of emails from them, so you might want to consider getting a separate email account just for the e-clubs.

Freelancing:

Elance.com is an online workplace where small businesses connect with qualified professionals to get small jobs done. Writers, programmers, graphic designers, marketers or whatever skills you might have to offer – you can bid on jobs and get paid to do what you do best. https://www.elance.com/

Yahoo! Voices (previously known as Associated Content) is an open content network that lets anyone submit content on any subject. If the editors like it, they’ll pay you for it and give you bonus payments based on the number of views the article receives. http://voices.yahoo.com/

*WARNING* Make sure, if you have a daytime employer, that they don’t have any restrictions on you freelancing.

 Auto Insurance discounts:

If you have a teenage driver that is bringing home great report cards, check and see if your auto insurance company offers discounts for such a thing. They might knock as much as 10% off the top if your teen maintains a GPA of 3.0. Or perhaps someone in your household is a teacher? Some insurance companies give discounts to credentialed teachers (too bad they don’t recognize homeschool moms as teacher’s right??) and educational administrators. Some insurance companies might even have a discount for those that have a Bachelor’s degree in an engineering or science related field. And lastly, most insurers will give a discount for having all vehicles on the same company policy.  

*WARNING* Don’t assume that the insurance company will automatically give you every discount available. Speak up and ask about anything you think you might be qualified for that they could offer. Ask for a complete list and remember that not all companies offer the same things.

 Sell your Cell:

Most Americans these days tend to get a new cell phone every 12 months or so. But how can you get money back for the ones laying around the house taking up space? You might be able to sell it on eBay.com or list it on Craigslist.com. But there are other websites out there you might try. For instance – Flipswap.com. Just input the brand and model to see the buyers are willing to pay. You might try CellForCash.com too but I couldn’t get it to pull up on my computer. Both sites are supposed to let you print a prepaid mailing label for sending in your phone. http://flipswap.com/

*WARNING* Before you mail it, make sure you remove the auxiliary memory card, reset the password to 0000 and delete all of your information from the phone or remove its SIM card.

 Selling CDs, DVDs, and video games:

Check out SecondSpin.com. http://www.secondspin.com/ I don’t know much about how their program works. I think it’s similar to the cell phones and books websites.

My mother sent me some other helpful sites that might interest you about saving money and helpful hints:
http://www.hillbillyhousewife.com/

http://frugalliving.about.com/

http://www.livingonadime.com/

 Hope this was helpful! Keep reading and following for future tips and possibly reviews to come.