Some benefits are using less time and energy…it takes longer to make three chicken meals one at a time, than to make them at the same time. Another benefit to having meals on hand is not relying on processed food when you are pressed for time.

I don’t take credit for the following tips, I’ve had them saved on my computer for a while and the original author is unknown to me. It’s a great tutorial and if any of our readers know who write it, please let me know so I can give proper credit.

STEP ONE: Choose 20 recipes.
This will last a family of 4 about 4 weeks, (allowing for leftovers, eat-out nights, scratch cooking nights, baked potato nights, etc.) Try to have a balance of casseroles, soups, stews, pasta, meats,
ethnic foods and so on.

STEP TWO: Make up a master grocery list.
Make sure you list EVERY SINGLE ITEM you will need. Include products like aluminum foil, freezer bags and scouring pads. Don’t forget simple things like flour, salt and sugar. (You don’t want to run out of something on cooking day!) Once you have your list, check off the items you will need to purchase.

STEP THREE: Start a notebook of your very own recipes.
Either copy the recipe or rewrite it on a 8×11 sheet (one recipe per page). On cooking day, you will be taping these up around your kitchen, so you don’t want to have to hassle with cookbooks or recipe
cards. Organize them to your liking in a 3-ring notebook. After a few months, you’ll have a nice notebook full of recipes that WORK!!!

STEP FOUR: Read through each recipe and break it down into simple steps.
On a sheet, list the recipe names in columns. Write the steps underneath. Do it in an order that makes sense to you. Then take similar steps from ALL the recipes and do them together.

Example: To make spaghetti sauce and lasagna
chop onion (x cups or x pounds of onions)
grate cheese (x cups or ounces)
chop peppers
chop veggies
mince garlic
combine cheeses
brown meat and drain
make layers
add tomatoes
wrap pan and freeze
simmer
bag and freeze

On cooking day, do similar tasks together, i.e. all the chopping, sauteeing, peeling, boiling. Put soups and stews which will cook for a long time on early to simmer. Then put the casseroles together;
wrap carefully and put in the bottom of a chest freezer or on the bottom of shelves. (They take up more room and also take longer to freeze).

STEP FIVE: Label your items!
Put a “sharpie” indelible marker on your shopping list if you don’t have one. Ink pen is not legible and regular markers run. Include any preparation instructions on a piece of paper slipped inside the
double bag. Be sure to write down the number of servings! (You will not remember!)

STEP SIX: On cooking day, start as early as you can and dress to work.
Wear comfortable, supportive shoes. Have a change of aprons ready and lots of clean towels. Clear off your countertops and clutter so that you have maximum workspace. Tape up the recipes where you can see them in plastic page protectors. You will be amazed at how quickly things go together if you’ve done steps ahead of time (the chopping, browning, etc.)

STEP SEVEN: Evaluate how your OAMC session went.
Make notes on your recipes if you want to make any changes the next time. Clean up your kitchen so that you don’t have to face that mess tomorrow!

STEP EIGHT: Don’t cook dinner on your big day!
Order in a pizza or go out to eat. If you are short on funds, save your crockpot for your evening meal so that you don’t have to fix another dish. You will be TIRED, but it will be worth it.

Confession time: I’m a cheapskate. Some would say frugal, which sounds much more positive, but in reality I can be a real cheapskate.

I am fairly frugal (though not always), but sometimes I take it too far: I have T-shirts with holes in them, I never buy new clothes, we’re shopping for a new couch because our current one has holes in it, and I ran my current pair of running shoes until the soles fell off.

However, I have gradually learned to be frugal in many ways that I would recommend to others. I don’t think you should have holes in your couch, and you should definitely replace your running shoes more often than I do, but there are many ways to cut back on spending and live a more frugal lifestyle.

Why live frugally? First, because it allows you to spend less than you earn, and use the difference to pay off debt, save or invest. Or all three. Second, because the less you spend, the less you need to earn. And that means you can choose to work less, or work more but retire early. Or take mini retirements. You have more options with a frugal lifestyle.

I know what I’m going to hear in the comments, because it’s been done repeatedly with my other frugal articles: I have no life. This is boring. I might as well live in a box. You have to enjoy life sometimes.

All of which you might believe, but I believe I do have a life. A great one. One where I spend time with my family, where I have conversations and read and get outside and do things that are fun and exercise and focus on what’s important and spend my free time the way I want. This is a good life.

So, if you’d like some tips on frugal living, here are just a few, from a cheapskate. I should note that I do most, but not all, of these tips.

1. Go with one car. Many families have two or more cars. Besides your house, your car is probably your most expensive item. If you can do with one, you should. My wife and I both work, and we have six kids, and yet we have learned to manage with one car.
2. Go with a smaller house. Just because you can afford a larger house, doesn’t mean you should live in one. Live in as small a house as you can and still be comfortable. I don’t mean you should live in a one-room apartment with a family of four … you know what I mean. You can save thousands a year with a smaller house. Many times, if you get rid of a lot of clutter, you don’t need a large house.
3. Go with a smaller car. Again, you can save thousands by going with a smaller car. A car instead of an SUV, for example, is a big savings. Be comfortable, but don’t overdo it. You’ll save a lot on gas this way too.
4. Rent rather than own. This will probably spark a huge debate, as it always does. The thing is, just don’t assume that buying is the better investment. If you calculate the interest you pay on a mortgage, the cost of insurance and maintenance, buying is often much more costly than renting … and if you rent, save money, and then invest the difference, you can actually end up well ahead in the long run. Now, it’s not a given, so do a comparison, factoring in all expenses.
5. Look for used first. If you need something — I mean really need it, not just want it — see if someone you know has one that they don’t use or need anymore. Send out an email to family or friends, or just ask around. You might be surprised. I was about to buy a printer, and then found out my mom just bought a laser printer and didn’t need her old inkjet … saving me close to 100 smackeroos. If no one you know owns one, try freecycle.org or craigslist.org. Then look to buy used, at garage sales or thrift shops. You can find a bargain if you look around.
6. Eat out less. One of the biggest expenses in our daily lives is eating out — the average person spends well over $2,000 a year on eating out. Restaurants are expensive, including fast-food (not to mention the health hazards). It’s much cheaper to cook your own food. Our family creates a weekly menu, then we buy the groceries, and cook dinner (and lunch) each evening. Lately I’ve even been prepping it in the morning, so it’s a snap when we get home.
7. Eat out frugally. If you do eat out, check out these money-saving tips.
8. Brown bag it to work. Instead of eating out for lunch, bring your lunch.
9. Strive for a minimalist wardrobe. This tip won’t be for everybody, but I try for a minimalist wardrobe. I generally wear jeans or casual pants, a T-shirt or Polo-type shirt, and sandals or shoes. Plain, solid colors are my favorite. Everything goes with everything else, and I don’t have too many clothes. This saves me the stress of picking out an outfit, and I don’t need as many clothes.
10. Stop online impulse buys. This was a problem for me before I canceled my credit card. I used to buy online a couple of times a week. Now I buy maybe once every couple of months, using PayPal or someone else’s credit card. I’m not saying you have to go to this extreme, but realize that online buying can be way too easy (you don’t even have to go to a store) and therefore, we make too many impulse buys. Buy online if you really need something and it’ll save you money, but beware the impulse buy.
11. Don’t shop. Don’t go to the mall or other shopping area or department store to look around and shop. Go to a store if you know what you need, and then get out. Many times people go shopping, with a vague idea of what they want, and get caught up buying much more. Or they go just for fun, as a form of entertainment. That ends up costing a lot. It can really add up. Instead, stay away from shopping areas and find other ways to have fun.
12. Use a 30-day list. To curb impulse buys, create a 30-day list. When you want to buy something, other than a true necessity (medicine or food, for example), put it on this list, with the date you added it to the list. And make it a rule that you can’t buy anything for at least 30 days after you put it on the list. And stick to it. You’ll find that you buy a lot less with this system.
13. Cut out cable. I’ve talked about how I cut out cable before. It saves me money every month (in my area, about $60, or more than $700 a year), and also forces me to do things like read and have conversations and go outside. Win win.
14. Use the library. Instead of buying books, check them out. The library often also has a great selection of DVDs (depending on your area), saving you even more. Now who needs cable?
15. Find free entertainment. Find cheap ways to have fun. Entertainment often ends up costing a lot of money, if you go to the movies, buy concessions, or go out at night, go to the bar, etc. The average person spends about $1,800 a year on entertainment (not including eating out). Now, I’m not saying you shouldn’t have fun … but there are cheaper ways to do it.
16. Frugal exercise. Exercise is important, but it doesn’t have to cost a lot of money. Here are some tips.
17. Stay healthy. Easier said than done, I know, but staying healthy can save you tons of money on doctor’s visits, hospital bills, and medicine over the long run. An ounce of prevention, and all that. Eat healthily, and exercise. Simple and effective.
18. Commute by bike. Even if you own a car, commuting by bike will save you gas, and get you in shape at the same time. I highly recommend it.
19. Carpool or ride the bus. OK, you don’t want to bike it. So find a friend or neighbor who works near you, and arrange a carpool. Or take public transportation. Simple advice, but something a lot of people ignore.
20. Walk. Often we drive to the corner store, or to a school that’s less than a mile away. Leave a few minutes early, walk, burn some calories, and save gas.
21. Sell your clutter. This is not so much saving money as making it, but the frugal, simplifying cheapskate, like myself, will want to declutter and make a few bucks doing it. Hold a garage sale or sell it on eBay. It’s amazing what some people will buy.
22. Frugal gifting. Gifts can cost a lot of money over the course of a year. Look for ways to do it cheaply. Make a gift, or give a consummable. My family enjoys getting and giving cookies, for example.
23. Quit smoking. Not the easiest way to save, I know. It’s hard. But I did it, and so have many, many others. Not only will you save on cigarettes (which are expensive over the long run), but also associated costs (I used to buy a soda or beer to go with my cigarettes) … and of course the huge, long-term medical costs. In less than 2 years of not smoking, I’ve saved well more than $3,000.
24. Alcohol in moderation. If you drink one beer or a few beers a day, that adds up to big money each month. Some drink even more than that. It’s expensive. If you can cut your drinking to the occasional party, and once in awhile with friends (not all the time), you’ll save tons.
25. Sweets in moderation. Desserts and sweet snacks give us lots of calories with no nutrition. And we pay a premium price for that, in dollars and in our deteriorating health. Cut back on sweets (don’t eliminate them entirely of course) to save money and cut calories.
26. Drink water. Often we drink lots of calories through sodas, coffee, alcohol, juices, tea, etc. And that costs a lot too. Drink water, save money, save calories. Here are some tips for forming the water habit.
27. Batch your errands. Instead of running an errand or two every day, batch them into one errand day, and plan your most efficient route, to save gas and time. Also do as much bill-paying online as possible, to eliminate some errands.
28. Stay home. Becoming a homebody might not sound like a lot of fun, but it really can be. I love staying home with my family. We can do all kinds of fun things at home. Or I can spend a day alone, if the family is at school, and really enjoy it. It’s quiet and peaceful, I can read or watch a good movie or respond to comments on my blog or write. Staying home can save tons, in eating out expenses, shopping expenses, gas, and incidentals.
29. Stop using credit cards. Credit cards are not evil. And before you flame me, once again, I realize that they can be used to good purpose. If that’s how you use them, then that’s good, skip this tip. For others, credit cards make buying too easy, and end up making them buy too much.Not only that, but if you don’t pay your bill in full each month, they will cost you a lot in interest. The average American with at least 1 credit card has more than $8,500 in credit card debt. Don’t make that mistake.
30. Cancel subscriptions. With the wealth of information and entertainment online, do you really need magazine subscriptions? With all the news online, do you really need a newspaper subscription? If you can get DVDs for free or cheap, do you really need a Netflix subscription? Don’t flame me if you think you do need any of these — I’m just asking you to consider whether they’re really essential — the answer might be yes. Also consider other subscriptions you might be paying for — I’m not saying you should cancel everything, but seriously consider whether they can be canceled without much loss of value.
31. Make your own. I won’t go into all the possibilities here, but many times we buy things when really, we could make them ourselves for much cheaper if we get a little creative. Now, this might take a little more time and effort, but it can be fun, especially if you make it a family project. We recently made our own (very simple) bookshelves with only a couple of pieces of lumber, instead of buying them. If you don’t know how to make something, search for it online. You’ll most likely find some instructions.
32. Do it yourself. Instead of hiring someone to do something, try doing it yourself. Sure, it takes some time and effort, but it’s satisfying, and of course cheaper. It’s also educational, if you don’t know how to do it — again, do an online search, read up on it, and give it a go. Frugality freaks are DIYers.
33. Stop paying interest. I mentioned the interest of credit cards, and auto loans, and mortgages. I consider them a waste of money. I’ve talked about how to live without credit before, and I recommend it for a frugal lifestyle. Consider any other accounts or loans where you pay interest, and see if you can eventually eliminate as much of these as possible.
34. Reduce convenience foods. Frozen foods, microwaveable stuff, junk food … anything that’s packaged and prepared for our convenience is not only more expensive than something you cook yourself, but also most likely less healthy. I’m not saying to eliminate these completely, but reduce consumption.
35. Travel frugally. I actually don’t travel (or haven’t for years), but if you do have to travel, some advance planning can save you money. Airfare is most expensive, usually, so look to buy your ticket in advance, and look for deals. Also consider train travel. Shop around for car rental rates, as they can vary greatly (or use public transportation). Look for cheaper accommodations, or stay with a friend or relative. Just a note: I do plan to travel, but not until I finally eliminate all of my debt.
36. Cut the cell phone. This will not be a popular suggestion either. If you don’t like it, move on to the next one. It’s not for everybody. But think about this: 20 years ago, most people didn’t have cell phones. And miraculously, they survived. A cell phone is not a necessity. It’s a convenience. When people needed to make a call, 20 years ago, they either waited until they got to a destination (wait to make a phone call?! omg!), or pulled over and used a pay phone or a phone in a business establishment.
37. Cut your own hair. Again, this one isn’t for everybody. Personally, I use electric clippers to shave my head. It’s easy, it’s cheap, it’s minimalist, it’s care-free. I don’t worry about my hair getting messed up, or having to fix it in the morning. However, I’m not saying you should shave your head. Many people cut their own hair, in many simple but nice hairstyles, long or short. Saves money, and time.
38. Maintain stuff. This is a no-brainer, but we don’t often think about it: if you take care of what you have, it will last longer. You’ll then spend less on buying new stuff. When you buy something worth maintaining, take a few minutes to read the maintenance manual, and create a maintenance checklist that you can attach to the item. For important things like your car’s oil changes or tune-ups, put them in your calendar.
39. Save energy. There are little things we can do to lower our power bill. I don’t use a dryer or hot water heater, although those are a little extreme.
40. Save gas. With the rising price of gas (and no end in sight), fuel has become a major monthly expense for many people. Small things can add up to big savings.
41. Only buy bargain clothing (when you need clothes). OK, so you’re a cheapskate like me who only buys clothes when the old clothes have too many arm or leg holes. But now you need new clothing. I mean really need it. So instead of buying new, look for thrift shops with good clothes. Or buy new, but only buy the stuff that’s 50% off. Look for the bargains, and you’ll save a ton.
42. Telecommute. Telecommuting doesn’t necessarily give you your dream job, but it’s definitely a step in the right direction. But in addition to allowing you to work in your underwear (and who doesn’t have that dream?), telecommuting saves money on gas, on eating out (if you eat lunch at a restaurant), and on buying expensive work clothes (all you need to buy is underwear, right? And no, don’t buy used underwear).
43. Plan ahead. Sure, easy to say, hard to implement. But if you make it a habit to think ahead to things that are coming up in your life, you can save a lot of money. For example, if you think about where you’re going to get your meals when you go out to do errands, you can pack a lunch or dinner instead of eating out. If you pack a big container of iced water, you don’t need to buy expensive bottled water. If you know that a birthday is coming up, you can buy a gift on sale instead of spending more at the last minute.
44. Cook ahead. If you have one free day a week (or even a month), cook food in big batches and freeze in dinner-sized portions. I don’t do this all the time, but I have done it and it saves money (buying big can often save) as well as time. You have to plan it out a bit, coming up with a menu and shopping, cooking enough meals for a week or a month. But once you’re done, your meals each night (and for lunch if you like) are quick and easy. This saves you from eating out or eating convenience food when you’re hungry but too tired to cook.
45. Wash clothes less. Some people wear clothes and then wash them, but I’ve gotten into the habit of wearing my clothes more than once if they’re not really dirty. I use my nose as a test — I don’t want to wear clothes that smell, but most times the clothes are still perfectly clean. This saves on washing.
46. Sun-dry clothes. When my parents were young, everyone used a clothesline to dry clothes. Now dryers are ubiquitous, because they’re fast. But if you don’t wash a ton of clothes, it’s not that hard to take a few minutes to hang them up. You’ll save a lot in electricity, plus your clothes last longer.
47. Eat less meat. I’m not saying you have to become a vegetarian (although you could always give it a try), but once in awhile, eat meatless dishes. Pasta, vegetarian chili (see my recipe halfway down this article), vegetarian Indian or Thai dishes, falafels with hummus and pitas and tomatoes and lettuce … there are plenty of tasty dishes without meat. And as meat is expensive (well, the fresh kind is … Spam is cheap), you’ll save money on meatless dishes. Again, I’m assuming you cook with fresh meat, not canned.
48. Save on groceries. For my family of eight, groceries is a major expense. With some simple habits, we’ve been able to save a lot of money.
49. Frugal Christmas. Christmas is expensive, especially in America (if you live in an area that doesn’t celebrate Christmas with a huge amount of buying, or doesn’t celebrate it at all, skip this tip). People go on crazy shopping gorges. It’s insane. While it makes the retailers and manufacturers happy, it doesn’t make our bank accounts happy. Break out of the cycle and find cheaper ways to celebrate Christmas.
50. Eat a cheap breakfast.

OVEN CLEANER
2 Tbsp. dish washing liquid
2 Tbsp. borax
1/4 c. ammonia
1 1/2 c. warm water

Mix together, apply to oven spills and allow to sit 20-30 minutes. Scrub with an abrasive nylon-backed sponge and rinse well.

GENERAL-PURPOSE CLEANER
1 tsp. borax
1/2 tsp. baking soda
2 tsp. vinegar
1/4 tsp. dish washing liquid
2 c. hot water

Combine all ingredients. For a more pleasant smell, use lemon juice instead of vinegar.

EASY SCRUB
3/4 c. baking soda
1/4 c. borax
Dish washing liquid

Combine the baking soda and borax. Mix in enough dish washing liquid to make a smooth paste. (Add 1/4 tsp. of lemon juice for a more pleasant smell.)

HEAVY-DUTY DISINFECTANT CLEANER
1/4 c. powdered laundry detergent
1 Tbsp. borax
3/4 c. hot water
1/4 c. pine oil or pine-based cleaner

Slowly stir the detergent and borax into the water to dissolve. Add the pine oil (available at hardware stores and supermarkets) and mix well. For bathroom cleaning, use the mixture full strength. In the kitchen, dilute with water.

GLASS CLEANER
2 Tbsp. ammonia
1/2 c. alcohol
1/4 t. dish washing liquid
A few drops blue food coloring
Water

Combine ammonia, alcohol, dish washing liquid and food coloring,
then ad enough water to make 1 quart. If you prefer a
non-ammonia cleaner, substitute 3 Tbsp. vinegar or lemon juice
for the ammonia.

Make It Yourself Hamburger Helper:

8oz noodles
1T dried onion flakes
1/4t. oregano
1/2t. garlic powder
1/2t. basil
1/2t. salt
1 lb ground beef
3 1/2 c. water
8 oz tomato sauce

Brown beef and drain the fat.
Add water and bring to a boil.
Add noodles and tomato sauce.
Stir and simmer for 20 minutes.
Serve hot. Enjoy!

Don’t Freeze Well:
Greasy foods (they just become greasier)
Cake icings made with egg whites
Cream fillings and soft frostings
Pies made with custard or cream fillings
Fried foods (they tend to lose their crispness and become soggy)
Fruit jelly on sandwiches may soak into the bread
Soft cheese, such as cream cheese (can become watery)
Mayonnaise (it separates; use salad dressing instead)
Sour cream (it becomes thin and watery)
Potatoes cooked in soups and stews (they become mushy and may darken. If using potatoes, cook until barely soft and still firm; then freeze quickly.)

Changes During Freezing:
Gravies and other fat-based sauces may separate and need to be recombined by stirring or processing in the blender
Thickened sauces may need thinning after freezing; thin with broth or milk
Seasonings such as onions, herbs and flavorings used in recipes can change during freezing. These are best added during reheating to obtain accurate flavors
Vegetables, pastas and grains used in cooked recipes usually are softer after freezing and reheating (under cook before freezing, or add when dish is reheated)
Heavy cream can be frozen if used for cooking, but will not whip
Some yogurts may suffer texture changes
Raw vegetables lose their crispness, but can be used for cooking, stews, etc.
Many cheeses change texture in the freezer. Most hard cheeses turn crumbly (which makes them okay for grating, but not for slicing)

Living in a world that keeps changing almost faster than time itself, most of you are aware of the time squeeze to get things done. The pressures at work can easily carry over into personal life and vise versa. Parents, especially, find themselves drained physically, mentally, and emotionally at the end of a day.

When you have many things to do running around in your mind, you can easily feel overwhelmed. To remedy this, it is important to strive for balance and to stay focused. However, sometimes these two goals are in conflict.

You may have experienced times when you focused on something and lost your balance. This can happen when there are too many things to do and not enough time to get everything done. At this point, some of you may make lists, which can be helpful.

In addition to lists, the following plan will help you consider what needs to be done and how each item is tied to your values:

• Set up a 4-cell grid.

• The two cells across the top (left to right) are labeled “Urgent” and “Not Urgent”.

• The two cells going down (top to bottom) are labeled “Important” and “Not Important”.

• Place all of the things you have to do into one of these cells.

Filling in these four squares helps you establish your priorities according to your values, be more focused, and feel more in control of your life. Now you are ready to look at how to increase the feeling of balance in your life.

When there is not enough time to accomplish as much as you had hoped to do in a day, it is even more important to select one or two of the following suggestions to create a feeling of inner balance:

1. Count your blessings by writing down three things you are grateful for and why (because) at least three times a week. It helps the most when you are having a tough day.

2. Practice “savoring” the joys of life instead of “stewing” on problems. Notice an increase in energy when you are savoring even momentary pleasures.

3. Spend time and energy with family and friends. Strong personal relationships bring a high level of satisfaction with life.

4. Write a gratitude letter to someone whom you are grateful for in your life. If possible, visit the individual and read the letter to him or her. If a visit is not possible, you can email it, call the person or send it by mail. Notice how you feel after doing this.

5. Take care of yourself physically. Even 10-15 minutes of exercise and/or meditation can release tension. Get plenty of sleep, and make healthy food choices to have the energy that you need.

6. Be sure to find time to laugh and catch yourself smiling.

Hopefully, choosing to do some of these ideas for balance will be renewing, increase your energy, and help you focus.

In addition, the 4 square grid will help you to prioritize the things you need/want to accomplish. This clarity helps energize and motivate you to make the most of your available time. It also increases your confidence in the choices you are making. What choices are you going to make that will help you focus and keep your balance?

Maurine Patten, Ed.D., CMC, Maximize Your Possibilities
http://www.PattenCoaching.com
Mailto:mdpcoach@pattencoaching.com
More free information, EI and Pre-retirement assessment, and ezine
Article Source: http://www.articlegarden.com

Mix well and store in the refrigerator in a covered container

Think of all the gifts you buy throughout the year.

Now think of the savings if you would have been able to buy all of those gifts on sale.
Maybe you can.

A great way to save money is to buy gifts ahead of time when you see items on sale or clearance. A lot of times you’ll see this called a “gift closet”. Granted, there still may be one or two people that you end up buying a full price gift for because what you have is not right for them, but shopping ahead of time can be a fantastic way to cut costs.

Start with re-gifting what you’ve been given, but can’t use. Don’t mind those who say they wouldn’t do it. Not only will this practice save you money, it will help the landfill by not throwing the items away, but giving it to someone who will use it.

Check flea markets, yard sales, garage sales, tag sales and estate sales for nearly new or new items that can be given as gifts. Browse thrift shops and consignment stores for new and wrapped items that can be used for gift giving.

Here are a few ideas of items to be on the look out for:
candles
seasonal merchandise
stationery
journals
books
frames
baby items
cd’s,
dvd’s,
magnets
games
toys
coasters
dish towels
photo albums
bath items
stuffed animals

Just like with a food pantry, your “gift closet” will need to be maintained and updated. Keep tabs on what you have by checking it frequently. Once you get into the habit and filling and using your stockpile of gifts, you’ll love the savings!