Store Brand vs. Name Brand-how do they really compare?

Always looking for the next big way to save money, I decided to track the difference between store brand vs. name brand items. I have always been a big proponent of using store brands-after all, when it comes down to it, the ingredients are almost identical. However, I will say that there are some items that I do refuse to purchase the generic of, and that's ok! I can justify spending a little more on items I know are better quality by buying as many store brand items as possible. I made a grocery list and then wrote down both the cost of the generic item and the name-brand item. I was amazed at the difference in costs of some of these items. See below:

ITEM	STORE BRAND PRICE	NAME BRAND PRICE	PRICE WITH COUPON
1 GALLON WATER	$0.99	NONE
1 GALLON ICE CREAM	$5.49	$6.99
ROASTING CHICKEN	$3.99	$6.99
18 EGGS	$2.24	NONE
ALL-PURPOSE FLOUR (5 LBS.)	$1.64	$2.24
SHALLOT (1)	$0.58	$2.99 (PER BAG OF 3)
FROZEN VEGGIES (1 BAG)	$0.99 CENTS	$1.89
SMOKED SAUSAGE (1 PKG.)	$2.39	$2.54	$1.54
CREAMED CORN (1 CAN)	$0.69	$0.92
REGULAR CORN (1 CAN)	$0.69	$0.92
CORN MUFFIN MIX (1 BOX)	NONE	$0.47
GREEN PEPPER (1)	$0.89 EACH	ORGANIC $1.99 EACH
ZUCCHINI (1)	$1.99 EACH	ORGANIC $1.79 EACH
BREAKFAST SAUSAGE (1 PKG)	$1.19	$1.89
ROTEL (1 CAN)	$0.69	$1.02
VEGETABLE BEEF SOUP (1 CAN)	$1.09	$1.32
TOMATO SOUP (1 CAN)	$0.57	$0.79
WORCESTERSHIRE SAUCE	$0.99	$1.99
GARLIC POWDER	$1.89	$2.79
TOTAL:	$28.99	$38.21
TOTAL SAVED:	$14.40

As you can see, some name brand items were actually cheaper than the generic brand, but you can see the savings added up. If you take the amount saved and multiply it by 4 (the number of trips I make a month to the store), that adds up to almost $60 in savings. Factor in coupons and you can save even more! Just be sure to do your homework when in the store and check the prices.

Another way to save is to become part of a store's loyalty program. Last month on a trip to target, the clerk that was checking out my purchase told me of a new Target "Debit" card. It's not a regular credit card, but a card that links directly to your bank account. It's free to sign up and there are no fees, and it applies a 5% discount to your purchase any time you shop at Target. I did this, and now just using the Target card alone I save about $5 a shopping trip. You can also sign your children's school up to receive 1% of the amount of your purchase. They also send me regular coupons in the mail. On my last trip between the card and two coupons, I saved almost $30. It truly does add up! Many stores are starting to offer similar programs, so don't be afraid to ask the next time you go shopping.

summer fun on a miser's budget...

Ahhh summer...2 1/2 blissful months of not running around constantly for hours to school, practice, dance, etc. But then you realize-What am I going to do with these kids for 2 1/2 months without spending a ton of money??

My children are 5 and 3 years old respectively. They are CONSTANTLY coming up to me asking "Mommy, when are we going to go do something fun?" "Mommy, can we go do this?" They need to be kept busy, or they make me crazy. I sat down today and compiled a list of things that are no-cost or low-cost in our area that we can do to keep busy this summer.

*Make use of your local library-After all, you pay to fund it. You can check out an unlimited number of books, movies, Cd's and more for up to two weeks at a time (just don't be like me and forget to take them back!). Also, check out their activity schedule. Our local library, for example, shows movies, does crafts, offers activities, reading contests, and more that are all free and on a regular basis. They also offer adult gatherings at no charge. Plus, you get the positive point of getting your children interested in reading early!

*Check out your local parks and rec department-In my town they have "movies under the stars" (free outdoor movies), free music every week during the summer, free city-wide play days, summerfest, low-cost recreational sports, and more. You can most likely google your town's parks and rec website to find more information.

*Wading pools and splash parks-Check out the local wading pools or splash parks in your area. Most are free, or free for a certain portion of the day. Our splash park is free from 10am-12pm every day. I know some people are a little iffy about wading pools, and that's understandable and a personal preference, but just throwing that out.

*Check out your local parks and nature areas-Lots of fun to be had hiking through the woods, picnicking in the parks. One of our local parks (Jester Park) offers free backpack rentals that are themed. Each backpack contains lots of activities relating to a certain theme (water, flowers, animals, etc). You can check those out for two weeks at a time.

*Check your local theaters, bowling alleys, zoos, science centers, and more-A lot of the time they offer extremely cheap summer admission packages. For example, a local bowling alley offers unlimited bowling for up to 4 people for $27.98, the movie theater offers kids movies on Tuesday mornings for $1.00 admission, you get the picture.

*Instead of going out to dinner, why not try a community dinner or "potluck"-Instead of going out and spending $50-60 for a family of four, get together with your friends and their kids. Have each person bring one type of dish, and supply your own plates and cutlery. Feed the kids right away, then let them run off and entertain each other while you enjoy some much needed adult conversation and for once, be able to taste your dinner instead of having to eat on the run.

*Take the kids into town-Our downtown area is really starting to shape up! My cousin once told me of something she did with her kids that I would have never thought of. In the downtown area, we have a little trolley that runs a loop around downtown for free. You can park at the capitol and run the loop. On the loop there are all kinds of fun shops, the Capitol building, the Historical Building, a huge sculpture park and more. You can get off every couple of blocks and find something new to check out, and most of it is free or low-cost. Pack a picnic and have a leisurely lunch in the sculpture park.

These are just a few ideas, but if you can be just a little creative, and really check out your resources, you can find unlimited amounts of free or low-cost things to keep them entertained until school starts again this fall.

Hint for the day: No hints really today, just check as many resources as possible in your local area to find all kinds of fun and free/low-cost things to do.

Check this out!: http://tinyurl.com/3ep6o24 For ways to find fun ideas for your kids.

Shutting down the satellite (Cue the horror music!)

Taking a look at our monthly expenses, I decided we needed to figure out a way to cut back somehow on our bills. Our satellite, cell phone, gym, and car insurance expenses were out of control. Those four bills alone totalled almost 15% of our monthly income. We had to find a way to cut back or we just weren't going to make it, because somehow, we also need to find the money for gas and to eat.

I started with the DirectTV. This bill was costing us over $100 per month. Was this something that was truly necessary in our household? I've been feeling for a long time that my family has been watching too much TV. As ashamed as I am to admit it, I will say that I turned to it as a sitter sometimes when I needed my kids to sit still in one spot for a minute so I could clean or take a sanity break. During the winter we used it a lot because there just isn't much to do in the winter. This was a really tough call for me. A lot of the shows I like to watch are harder to find on the net. We looked at the pros and cons, and decided that the best thing to do would be to shut it off.

It was not nearly as bad as I thought it would be. Through the glorious Internet, I was able to find such websites such as HULU, Clicker, and also the channel websites where I can find my shows for free. I may not be able to watch them right away when they're aired, but I can still catch them, and it doesn't cost me any extra. Something you can also do is sign up for Netflix. $7.99 a month for unlimited streaming on your devices or PC. They always add new TV shows, movies, etc. I've noticed now that the TV is not on during the day, my kids are getting better at being creative and finding things to do. Now that the weather is nicer, we can get out and do more as well. So far it's been a positive experience.

Cell phones: This is tough because we switched last year to the smart phones. because my husband is a systems administrator, and his phone is also considered a pager and he does do some work from his phone, we had to take the unlimited data plan. However, looking back through our plan, I did notice some extras that had been added on at some point that were not necessary, and took them off. These were things like visual voicemail, vcast music, various insurance plans, etc. Also, because they do so much work from their phones, my husband was able to talk his company into paying part of our cell phone bill every month. Now every month they pay $20 towards our cell bill.

Gym memberships: How many of you have a gym membership and don't use it? The answer? A good majority of us. We sign up for that membership telling ourselves that we are going to actually follow through this time, and go 3-4 nights a week. Oh, we do that...for a little while. Pretty soon we get busy and tell ourselves that "oh, I'll go this weekend". Before you realize it, it's been months since you last went, yet you're spending anywhere from $50-100 a month for something you don't even use. While we had a good rate for a family membership, we quit using it after a while. This was $58 per month going out the door, so we decided to shut it down. We made a promise to become more active outdoors with our children, and so far so good. My hubby goes for walks and bike rides, the kids and I go to the park and walk around the lake, we walk the zoo, hike the nature trails. etc. It's a win-win situation.

Car insurance: Have you had any speeding tickets or moving violations in the past several years? Been in any accidents? Are you a student getting good grades, or a Soldier or Veteran that is serving or has honorably served? If so, you may be entitled to a discount through your car insurance company. I know lately that one company has a monitor you can install into your car to monitor your safe driving habits. Some companies offer multiple policy discounts. Others offer Military discounts. Vanishing deductibles. Accident forgiveness. You see where I'm going with this. Call your insurance company and find out whether you qualify for any discounts. Also, shop around to make sure you're getting the best rates. You'll be surprised that by checking these out every once in a while you may find the same thing, only cheaper.

Hint for the day: Make a list of the bills you pay each month, and then look at your actual bill. Check them periodically to see if you're paying too much, or paying for extras you don't need, etc. Make a list of pros and cons to see if these are things that you absolutely need, or can possibly live without. After looking at these four bills mentioned above, cutting off and cutting back and checking for discounts, we are saving $230 a month.

Check this out!: http://billeater.com/ A great website that shows many different ways to save on household and utility bills.

Speaking of bad habits and keeping up with making better habits...

I'm so freaking horrible about keeping a blog. I always start one and say "ok, this is the one. This is the one that I'm going actually keep up with." Aaaand as always, I never follow through with it. I've been off for a while, enjoying the few weeks between semesters and taking a quick weekend trip up to Chicago.

Clothes. Any one can make something basic if they put a conscious effort into it. Especially nowadays. One of my favorite articles of clothing is something with a smocked top. I'm no skinny b***h (I have nothing against skinny people, this was a reference to the "Skinny Bitch" series), and being pregnant on top of being not-so-thin makes it damn near impossible to find clothes that aren't either parachute moo-moos or trashy-cheap-looking mickey mouse t-shirts. I am big, but give me some credit, I do at least like to dress nice for crying out loud.

I had recently used my friend's sewing machine to make a baby wrap for Catherine when she's born. Instead of spending $50-60 for one, I went and bought the fabric and made it myself for $5. I got to thinking about how incredibly easy that was, and wondered if I could possibly make my own tops and dresses for summer. I was going to just keep using my friend's machine, but when I got to the fabric store, they were having a huge blowout sale. I got a steal on a great little machine for $89.99, and fabric for 40% off. I consider the machine as an investment, not as an extra, being as it is being utilized to create necessary items.

Back to the smocked fabric-Smocked fabric comes from the craft store all ready cinched at the top, and most of the time also all ready has a bottom hem. All you need to do is measure yourself, cut, and sew a side hem. This will make you an instant tube top or tube dress. Make a couple of straps or flutter sleeves if you wish. Out of 1.5 yards of fabric, I was able to make one top or dress for me, and one top AND one dress for my 5-year-old daughter. This means I spent $5 per garment, which would normally cost anywhere from $20-25 each in the stores. I was told the fabric will be on sale all summer, and they get new patterns in all the time. I even used the left over material to make doll clothes for my daughter-more money saved.

Let me throw out there that I am no sewing expert. I can't make fancy things. However, I know how to thread a machine, plug it in, and push the pedal. If you can do that, then you can easily make your own simple garments. You can also make alterations and repairs at home to save even more. My recommendation for today is to go out and buy a machine, be it new or used. get familiar with it. start with scraps of fabric until you are comfortable using the machine. Then go crazy. I just made myself an entire summer maternity wardrobe for the same price of one top from Motherhood maternity.

Hint for the day: Don't be afraid at the thought of using a sewing machine. My southern grandmother was an expert at the sewing machine, and I thought I could never be that good. It takes a little practice, but once you get the hang of it you can make some really great stuff, saving lots of money on things such as home furnishings, blankets, clothing, alterations and repairs, etc.

Check this out!: A great investment for beginners: "Sewing for Dummies". A book that you can usually find for $15 or less at most bookstores.

Putting a stop to bad habits

It's been a busy week, with my school semester coming to an end, Elizabeth's school about to let out for the summer, the kids' sports, dance and what not. Since I've not felt the greatest this week, I took a break for a few days and am now ready to soldier on.

I'll start with a confession: I'm a pint-oholic. I looove my pints. I love ice cream in general, but I'm most in love with two men-Ben & Jerry. I never need a good reason to get chip-faced; and most of the time I blame it on my little peanut Catherine (making her debut in September).

When I sat down a few weeks ago to look at the household budget to find ways to cut expenses, one thing I looked at was a stack of grocery receipts. I didn't realize just how often I was spending on this habit without even thinking twice, and I was mortified for two reasons: first; because it is an expensive habit, and second; what was I doing to my health by eating so much damn ice cream? I tracked how many times I purchased these pints and here are the staggering numbers I came up with:

3 pints a week @ $3.99 a pint = $11.97 a week. Multiply this by 52 and I come up with $622.44.

$622.44 a year for my ice cream habit!! and that's not including my husband's pints. If I did, we'd double this figure to over $1200 a year just in ice cream. Even though there is no one to see me adding this up, I just wanted to die of embarrassment.

Then, I looked at it from the health point of view. by consuming 3 pints of ice cream a week, I'm taking on an extra 3,360 calories a week. I'm an obese woman, ashamed as I am to admit it. Partly my fault; and partly due to a hormone disorder, but obese nonetheless. The LAST thing I need to be doing is packing on an extra 3300 calories a week. Holy shit. It was time to nip this bad habit in the butt for both the health of my being and my bank account.

We have since cut down our pint habit to once every couple of weeks or so, and purchasing as a splurge. In the mean time, I am trying to satisfy my sweet tooth with fresh fruit and yogurt. by doing this, I will have managed to save by the end of the year almost $400. Double that number for including Scott's share. I will also manage to cut back by a staggering 11,200 calories a month (OMG these numbers are seriously scary).

Here is my challenge for you: Save all your receipts for a month-every single one. Organize them by category (food, gas, entertainment, dining out, clothing, etc.). At the end of the month, look at these receipts and find where you are being wasteful, or where you may just be spending mindlessly. Look at those numbers from all angles to see how it affects not only your cash flow, but also your health and well-being. I guarantee that almost all of you will be shocked at just how much that daily latte adds up.

The difficulty for many people is that splurges become habits without the person realizing it. Whether it be buying a candy bar and a bottle of water when checking out at the store, alcohol, partying, drugs, debauchery, entertaining, clothing, or whatnot-sit down for a moment to take a look at how this spending affects every aspect of your life. Think of the money you could be putting aside for savings, paying off credit cards, paying down your mortgage, or saving for retirement. Think of what it can do your health. Not as fun as digging into a yummy pint of Bonnaroo Buzz, but you'll thank yourself in the long run for taking time now to put a stop to your bad habits.

Hint for the day: A splurge is healthy every once in a while. It’s an irregular expense – not one that you spend money on every day or even every week. It also fills you with joy when you do it – and you still feel happy about it a day later. In short, you derive quality of life from that purchase. A habit is never healthy. When an experience (particularly one tied to spending) becomes routine and normal, it should either fulfill a basic need in a simple way or it should be reconsidered. If it doesn’t add genuine value to your life – or if there’s a cheaper option that could add the same value – then you shouldn’t be spending your hard-earned money on it.

Check this out!: I came across this website recently. It's full of advice in all aspects of personal finance. The best part is, it's in layman's terms. http://www.thesimpledollar.com/

Baking bread to break even

I went to the store the other day, looking for a loaf of bread. I just happened to take a look at the shelf where the wonder bread is, and saw that for a loaf of plain white bread, it was $2.99. Are you serious??? Is this wheat harvested out of the White House garden or something? Good grief.

Before I went to pick up my daughter from school, I went to the store and bought flour and a jar of yeast. I splurged and bought a 5lb. bag of bread flour for $2.99. All purpose flour was $1.99, and whole wheat flour was $3.99. The jar of yeast was $3.99. I came home and did the calculations of how much it would cost to make a loaf of bread at home based on my recipe, and this is what I came up with:

15 cents per cup of flour (based on the bread flour price)

25 cents per tablespoon of yeast

16 cents per 1/4 cup of oil

07 cents per 1/3 cup of sugar

The recipe calls for the following:

6 cups flour

1.5 T yeast

1/4 cup oil

2/3 cup sugar

2 cups warm water

1 1/2 t salt

If you do the calculations based on the recipe (minus the salt and water, as the cost is trivial), you should come up with $1.57 per batch. This batch makes two loaves, so you're paying $0.79 per loaf of fresh, unprocessed bread. No chemical or preservative added bread. instead of $2.99 for a loaf of bread that is laden full of stuff we can't even pronounce. This should be a no-brainer, why didn't I do this before?!?! In one word: Convenience.

Instead of taking an hour or so out of my day to make up several dough loaves to freeze, I just grabbed whatever was on the shelf while at the store. Bread really doesn't take much time to make, especially when you have the recipe down pat, and can throw it all together quickly. Then just roll it into loaves, wrap in plastic wrap before giving it a chance to rise, then throw it in the freezer. When you need more bread, just pull out, thaw and let rise, and bake. The only difference is, you'll need to store it in the refrigerator, because there are no preservatives to keep it soft and from spoiling quickly. I think that's worth the sacrifice, don't you?

So, to wrap this up: In order to calculate the cost of making vs. buying-

*Take the price you paid for your ingredients and divide it by the number of cups, T, t, ounces, etc. in each item (i.e. 20 cups of flour in a 5 lb. bag, 16 T yeast in a jar, and so on).

*Take that number and multiply it by the amount your recipe calls for (.15 cents per cup flour multiplied by 6 cups flour).

*Take these numbers and add them together, then divide by the number of loaves each recipe makes, and you have your price per loaf.

Sounds much more complicated than it really is. Happy baking!

HINT FOR THE DAY: Add moisture while baking bread to ensure your bread doesn't dry out. The level of moisture in the oven is an important factor in achieving proper results. Moisture, in the form of steam, allows the bread to form a thin, golden crust while allowing the interior to remain soft and moist. The way I do this is to add a metal pan to the lowest rack of the oven while it's preheating. 2-3 minutes before I put the bread in to bake, add about a cup of water into the hot pan. This will immediately generate steam. Be careful not to let your skin be scalded by the steam. Then place the loaves in to bake.

CHECK THIS OUT!: I live by the all recipes website. Check this link out for thousands of bread recipes: http://allrecipes.com//Recipes/bread/Main.aspx

An ode to Earth Day

Today I am scrambling around my house trying to get it cleaned up before my husband comes home from his business trip. Floors need mopped, counters need scoured, etc. However, being pregnant, the noxious fumes from household chemicals give me a headache and make my nose burn. I've been sitting here trying to come up with something a little less evasive that won't make the house smell like a chemical factory.

The answer: Baking Soda!

Good ol' baking soda is good for more than school volcano projects or baking cookies. Baking soda, I've found, is one of the most versatile and environmentally safe cleaners out there. You can use it as an abrasive, in your laundry, as a deodorizer, a scrubbing paste, and much more. The best part is-you can buy several large boxes of baking soda for the cost of one bottle of multi-purpose spray cleaner that's chock full of chemicals.

Let me share with you all that I will be doing today using natural items from around the house:

*To clean out and deodorize your refrigerator, start by making a thick paste of baking soda and water. Empty the fridge and scoop up a small bit of paste and scrub the inside shelves and sidewalls. This will not only act as a mild abrasive to get that stubborn mess off, but it will double as a deodorizer.

*You can use this same past to clean stubborn sticky spots and stains off your counter tops, as well as to scour out and deodorize your kitchen sinks.

*This same paste works great on cleaning toilet ring and acting as a deodorizer.

*vinegar works great to dissolve the lime build up on shower heads. Take a quart-sized bag of vinegar, and secure it around the shower head. Allow to sit for several hours to overnight. When you take it off, the build up should be gone.

*coffee and tea are great for bringing out the natural shine in wood. Simply take a rag and dip it in the coffee or tea and rub it gently into your wooden tabletops. Afterwards, buff away with a clean, dry linen cloth to absorb the moisture. You'll be surprised at how just a little of that will make your wooden tabletops shine! Tea also works well for cleaning hardwood floors as well.

*Lemon juice works well as a stain remover for laundry. Especially for rust and fruit-based stains.

*sprinkle some plain baking soda in your carpet (make sure little hands/mouths can't get down to eat it). leave it for a couple of hours, then vacuum it up.

I can go on and on, but you get the hint. Next time skip the harsh chemicals and pick up a box of baking soda and a bottle of vinegar. For less than one bottle of chemical cleaner you can clean your whole house in an environmentally-friendly way. Happy Earth Day!

HINT FOR THE DAY: Greasy, grimy grill got you down? Take a piece of aluminum foil, and cover the grate, shiny side down. Turn on the grill for 10-15 minutes, then remove the foil. The greasy mess will be gone!

CHECK THIS OUT!: 75 fantastic uses for baking soda: http://lifehackery.com/2008/07/22/home-4/