Living on a Dime

Back to school is a time when many moms witness their money sprout wings and take flight, finding their homes at retail stores across America. I know that consumer spending is good for the economy, but I don’t take it upon myself to keep the entire US economy propped up, so when my first-grade son announced that he wanted a backpack with rollers, I saw this as a wonderful financial teaching moment. His school is small, and he doesn’t walk to or from school. He didn’t need rollers.

I told my son that I would give him $8 toward a backpack. I told him that if he wanted a fancier one, he could put up some of his allowance money for the difference. That’s the rule at our house. Mom and Dad buy the basics the kids buy the extras. It was amazing how my son’s perception of the need for rollers changed when his allowance was on the line. Yes, he has concluded, a regular backpack will do the trick this year.

Thousands of parents are buying back-to-school supplies. From crayons and notebooks to calculators and lunch boxes, the list of what to buy can be as long as the list of your kids’ excuses.

I know that you are anxious to get your kids back into school, but there is no need to take out a second mortgage just to get them in school. Instead, use some of these money-saving tips from www.LivingOnADime.com and you can happily send your kids to school and keep some of the cash for mom’s back-to school celebration!

*Wait for the list to come out and stick to it, otherwise you might buy things you don’t need. Remember, the Bank of Mom doesn’t pay for frills. Any extras the kids want will have to be funded from their own cash reserves. I do understand that it is nice for kids to have “hip” back-to-school supplies. I look at yard sales and thrift stores for brand-name finds. For instance, I recently found a gently used Barbie backpack and a Barbie lunch box and no one would know that I paid $1.00 each instead of the $32 that Becky Johnson’s mom paid. Who says stay at home mom’s don’t make any money?

*Don’t buy back to school clothes. Children don’t need an entirely new wardrobe every fall. Some mom’s act as if aliens clothes-napped their kids clothes the night before school and the fashion police will come arrest them if they donít buy the latest designer clothes right away. The kids wore clothes all year long, didn’t they? If they need something like a new pair of shoes or new jeans then buy what they need, but donít just buy a new wardrobe because it’s the thing to do.

*Use back to school sales to your advantage.

If you know your kids go through a package of socks, underwear or jeans every six months then stock up while they are on sale. The same is true of crayons, paper, notebooks, backpacks and lunch boxes. My son went through two backpacks and two lunch boxes last year, so this year we will buy two while they are on sale instead of waiting until the middle of the year when they are full price. We will also be checking garage sales between now and then to find any good deals on those items. Donít be tempted to buy things that you wouldn’t normally use, though, just because they’re on sale.

*Go through last year’s school supplies to see which things are still usable. If my student has a working calculator, the Bank of Mom will not extend credit for a new one.

*Limit activities to one at a time. Activity fees can add up fast. One at a time is the rule at our house. If you can’t afford the activity, it doesn’t hurt for the kids to use their own money to pay for it. The best way to teach them money management is to let them manage their own money when they have nothing to lose, instead of after they have maxed out the credit cards someone persuaded then to sign up for in college.

Jill Cooper and Tawra Kellam are frugal living experts and the authors of the Dining On A Dime Cookbook. Dining On A Dime will help you save money on groceries and get out of debt, by cooking quick and simple homemade meals. For free tips & recipes visit http://livingonadime.com

Bread Baking Basics

by Jill Cooper

Living on a Dime 

We get so many questions about how to make homemade bread, so I thought I would try to answer just a few of them today. Don’t let all this information make it seem too involved and scare you away from making bread. Once you get used to it, it really isn’t a whole lot harder than baking a cake. Just read the information and then follow the recipe step by step.

I once read a book by an older woman on how to bake a pie. She said bake one everyday for 2 weeks and at the end of that time you will know how to bake a pie. That rule applies for many things, including bread baking. Things may seem a little awkward or difficult at first, but after you have made it 14 times you will have learned what not to do and will get comfortable with it. There really was a lot of wisdom in what that older woman said.

We didn’t put my favorite recipe for homemade bread in Dining on a Dime because it isn’t quite as frugal as others, but I thought some of you might like it now. Also, I will give you my grandmother-in-law’s very frugal recipe.

Before I share the recipe, here are some useful tips on baking bread:

• Unless the recipe states otherwise in the recipe, heat about 1/4-1/2 cup of the water to 120-130° or until it is hot when you put your finger in it. It can’t be too hot or too cold. This is one of the most important parts of making the bread. With practice and time, you will start being able to tell when you have the correct temperature.When the water is hot enough, add part of the sugar (about 2 Tbsp.) to the water and then the yeast. You add sugar because yeast feeds on sugar. This process is called proofing. The yeast should start foaming, which tells you it’s good and also that you haven’t gotten the water too hot. If nothing happens, your yeast is dead for one reason or another so you need to get some new yeast or try it again with a different water temperature.It is also good to do this because proofing the yeast gives the bread a better start. So you don’t get confused, there are some recipes where you add the yeast with the flour and other ingredients and can’t proof. That’s OK because those recipes make up for it by calling for you to mix the ingredients with a mixer.
• When you can, add a 1/2-1 cup of mashed potatoes to your bread recipe or, in place of regular water, use water you have used to cook your potatoes. Yeast loves potatoes and the more it eats, the bigger it grows, making the bread lighter and fluffier.
• Never add salt with your yeast and water because the salt will kill it.
• Have all ingredients at room temperature. Don’t forget to take the eggs out and let them warm up.
• If the recipe says to add enough flour to make a stiff dough, just add the flour until it is slightly sticky, taking that last 1/2 cup or so of flour and putting it on your kneading surface. Then knead the last of the flour into the bread. If you get to much flour in the recipe, it makes the bread tough. Beginners sometimes put in all the flour that the recipe calls for and then add more flour on the board to knead, it causing the dough to get too stiff.
• You can’t knead bread too much. Knead until it is very smooth and elastic, usually about 10-15 minutes. I know that is a long time. That is why I don’t make bread as often since I have had CFS. I made my best bread on the days my husband would come into the kitchen, spy my dough and start pounding on it. He had more strength than I and always did a better job of kneading.
• I always roll my dough into a 14×9 rectangle then roll it jelly roll style and put it in the pan. This helps to get rid of any large air bubbles you might have in the dough that can leave large pockets and holes in your bread.
• I have tried many methods to raise bread, from putting it in a covered bowl on the stove to putting it in the car on a warm day. What I found works best for me is to heat my oven on the lowest temperature while I am mixing my dough. After about 5 minutes of heating, I turn the oven off, turn my oven light on and place the dough in my oven (not covering). It works great every time. The heat from the light seems to give it the right amount of warmth.I also do this when I put the bread in the pans to rise. I place the dough in the oven to rise using the method I described above (reheating the oven and turning it off). Then, when it is almost double in size, I leave it where it is and turn the oven on to the temperature that the bread is supposed to bake and bake it.
• Most recipes say to let bread double in size and, to see if it is ready, press your finger into it. If the dent stays, it is ready. After you have made several loaves, you can pretty much tell when it is ready. When I use the method for raising dough I describe above, I skip this test because my bread finishes rising the last little bit while the oven is preheating.
• Most bread doughs can be frozen. Mix and knead. Shape into loaves, mini loaves or rolls, not letting it rise. Wrap very well and freeze. When you want to use it, thaw and let it rise. It will keep in the freezer about 4 weeks, but after that the yeast starts going bad.
• When you freeze or in store home baked breads, be sure to wrap them well. Bread can lose its moisture. If you don’t think you will use it quickly, freeze part of the already baked bread, because it can dry out and get moldy faster than store bought bread. This is the reason our great-grandmothers came up with recipes like bread pudding and French toast.
• If your bread isn’t quite done but is getting too brown, you can tent with foil. To test whether or not it is done, thump it with your fingers and it should sound hollow.

Here’s my favorite bread recipe. It is a cinnamon bread but when I want to make regular bread, I just make it into loaves without spreading the cinnamon and sugar on it. This makes 2 loaves of bread.

Jill’s Favorite (Cinnamon) Bread

6 1/2 - 7 cups unsifted flour
6 Tbsp. sugar
1 1/2 tsp salt
1 pkg. yeast
1 cup milk
3/4 cup water
1/3 cup margarine
3 eggs (room temp.)

Filling:

Margarine, softened
1/2 cup sugar
2 tsp. cinnamon

Mix 2 cups flour with sugar, salt and yeast. Put the milk, water and margarine in a large mixing cup and heat in the microwave to 120° or until it feels really hot when you put your finger in it. (The margarine doesn’t need to be melted.) Gradually add to the dry ingredients. Add the eggs and 1/2 cup more of flour. Stir in enough additional flour to make a stiff dough. Turn on to a lightly floured board and knead until smooth and elastic (or you can knead it in the bowl). Place in a greased bowl (It sounds strange, but I use bacon grease), turning to grease the top. Put in warm place (like I mentioned above) and let rise until double; about 35 minutes.

Punch down and divide into 2 halves. Roll into a 14×9 rectangle. If you are making regular bread then, beginning at the 9 inch end, roll as you would a jelly roll, gently making it into a loaf. Divide and place in 2 greased 9×5 bread pans. Let rise again for about 35 minutes until double. Bake at 350 for 45-50 minutes. To see if it’s done, thump with your fingers. If it sounds hollow, it is done.

For Cinnamon Bread:

After you have rolled the dough out, spread it with a thick layer of margarine. Then sprinkle with sugar and cinnamon and roll as above. Be sure to tuck the ends under so the goodies won’t ooze out.

Grandma Suhler’s White Bread

This is a great frugal recipe or one to use when you are short on ingredients because it doesn’t call for things like milk or eggs.

This recipe was written the way we did it years ago, with just the ingredients and minimal instructions, so I hope you can figure it out OK. As you will see this, recipe breaks most of the rules I explained above, but her bread was always great.

You might also notice she did most of her kneading and working the bread in her bowl instead of dirtying a counter. One of our readers mentioned doing the same thing on the blog a few days ago.

1 pkg. yeast
1 tsp. salt
1 Tbsp. shortening or margarine
1/4 cup sugar
2 cups water, very warm
Flour (about 6-7 cups)

Shift flour into the above mixture, stirring until it is too thick to stir. Then work with hands, adding flour as needed until it becomes a very stiff dough and won’t stick to your hands. Place in a greased bowl, turning to coat top and set in a warm, draft free place about 1 1/2 hours. (This is why I like my oven method for rising.)

Punch down and let rise 1/2 hour more. Make into loaves or rolls. Makes 2 loaves. Bake at 325° for 1 hour for loaves and 35 minutes for rolls. (I found 375° for 25 minutes also works for the rolls.)

Last Note:

You don’t always have to use as much yeast as the recipe calls for. For example, my original bread recipe called for 2 packages of yeast and it made 2 loaves. I have used just one package for years and it works fine. Grandma’s original recipe was doubled and made 4 loaves but still only used 1 package of yeast.

If a recipe calls for 2 packages of yeast and it makes 2 loaves of regular bread, you can usually just use 1 package to save a little. If you plan on making bread on a regular basis, you might want to buy yeast in bulk or in the jars because it is much less expensive. You can find bulk yeast in warehouse stores or larger grocery stores. Just take some out and freeze the rest. The yeast will stay fresh for up to 3 years this way.

Jill Cooper and Tawra Kellam are the authors of Dining On A Dime:1,000 Money Saving Recipes and Tips. Dining On A Dime will help you shop smarter, by cooking simpler meals and by making your own basic cleaning products and beauty aids. For free tips & recipes visit Living on a Dime.

 In celebration of great weather and being able to hang my freshly washed blankets and sheets on my laundry line, I am posting this article submission from Jill Cooper at
LIVING ON A DIME.

Air Drying Clothes Without A Clothesline

By Jill Cooper

Living on a Dime

    We all know that if we don’t dry our clothes in the dryer we save on electricity, but many of us don’t think about how the dryer reduces the life of our clothes. For a long time I couldn’t understand why so many people were buying scads of socks and underwear for their families every few months. When my children were growing up, they almost never wore out their underwear and socks and we owned only about a quarter as many pair as most people. No I didn’t buy some name brand known for its child proof quality. I usually bought the least expensive ones I could find.

    Fast forward a couple decades. One day after folding my grandson’s new underwear, I noticed that the waistband was terribly rippled. After doing some research, I discovered the answer: The dryer was destroying the rubber elastic in the socks and underwear. I rarely dried my family’s clothes in the dryer, so the elastic never broke down. It doesn’t just happen with underwear - Have you ever noticed pilling (those little fabric balls) on your clothes and linens and the resulting lint in the dryer? That is the result of the fibers being rubbed thin. The dryer also shrinks clothes and sets in stains.

    The two reasons I think most people don’t line dry their clothes are that they think it is inconvenient or they’re just not sure how to do it. Here are some of the best tips I have found to air dry clothes without a clothes line.

    Though I don’t use the dryer to dry my clothes, I do use it for five minutes or so with some loads (just long enough to fluff the clothes). I put one load in the dryer and only leave then there as long as it takes me to load the washer with the next load.

    If you have no clothesline, you live in an apartment or your homeowners association won’t allow clotheslines, here are a few ways to dry without a clothesline.

    Using a clothesline to dry your clothes can save lots of money!

    You need at least one drying rack and some type of clothes rod. You can buy drying racks at most discount stores or hardware stores. You might locate a clothes rod in your laundry room above the dryer, use a sturdy shower curtain rod in the bathroom or get a metal clothes racks that hooks over the back of a door. You don’t need much. I can hang two loads of laundry on one drying rack and 2 feet of clothes rod.

    Hanging on a Clothes Rod

    Hang as many items as you can on clothes hangers, beginning with the obvious things like dresses, dress shirts and blouses and hang the hangers on a clothes rod to dry. Be sure not to put the hangers too close together or the clothes will not dry. You can also hang things like pajama tops, t-shirts, small kids shirts and one piece outfits. Lightweight pants, pajama bottoms, skirts and sweats can be pinned on clothes hangers and even sheets can be folded and hung on them. If you are really short of drying rack space, you can hang socks, underwear, wash rags, hand towels and towels on hangers and add them to your clothes rod, too.

    Hanging on a Clothes Rack

    When hanging clothes on a drying rack, I start at the bottom with socks and underwear, wash rags and baby clothes. Young children’s clothes and hand towels go on the middle layer and the top rack is for towels, jeans, pillow cases, sweaters, sweats, pajama bottoms and t-shirts. I try to use every inch of space, so if I put a pillow case on the rack and there are a couple of inches left next to it I put a sock there. I even hook bras on the corners of the rack.

    Drying racks are handy because they can be moved to speed up the drying process. Place them outside on a sunny (but not windy) day. Inside the house, try putting them over a vent and the heat or air conditioner will dry them faster. If you don’t have central heat or air then you can place them in front of your heater or a fan. Don’t place clothes close enough to heaters to be a fire hazard.

    If you are short on space and don’t want to look at a drying rack in the middle of the room, do the laundry before bed, hang it and in most cases it will be dry by morning (especially if you set it above an air vent).

    Try hanging large king sized sheets or blankets over your shower rod, over the rail of your deck, between two lawn chairs or folded in half or quarters over your clothes rack. When you fold large items, you must flip and turn them every 5-10 hours so that each side gets dry.

    Sometimes it is useful to hang a clothesline in the basement or attic. Be sure to check out your department stores and hardware stores for other ideas. They have many clever items like retractable clotheslines, things to hang over doors and some not so new ideas like extra large drying racks that can hold two loads of laundry each.

    Even though this may sound complicated at first, once you do it a few times it becomes second nature to you. Pretty quickly, you will discover the most efficient way to hang your clothes on the rack. I know automatically that three wash rags fit across the bottom bar of my rack and the two socks will fit next the that particular t-shirt. It’s like putting a puzzle together- the first time takes you longer than the times after that because you know where the pieces fit.

Jill Cooper and Tawra Kellam are frugal living experts and the editors of  LIVING ON A DIME.

As a single mother of two, Jill Cooper started her own business without any capital and paid off $35,000 debt in 5 years on $1,000 a month income. Tawra and her husband paid off $20,000 debt in 5 years on $22,000 a year income.

About this time every year, it seems as though many of us begin looking toward setting those New Year’s goals. In those goals often comes the regulars of losing weight, paying off bills, and reducing clutter/getting organized.  Jill Cooper brings us some great reminders for getting organized in the home…..

10 Easy Ways to Get Organized
by Jill Cooper
http://www.LivingOnADime.com/

. Hang up your keys. (Preferably by the door.)

. Find a place for your purse, coat, gloves and other frequently used items and always keep them there.

. Make your bed each day as soon as you crawl out of it.

. Get dressed. Even if you are a stay at home mom or your job is at home, get dressed. Clothes really do make the man or woman. You’ll be just as productive as you are dressed which means if you are dressed for sleep (pajamas, sweats or a robe) then you will get about as much work done as you would when you are sleeping. That may be stretching it, but you get my point.

. Wash the dishes and wipe the counters after each meal. No matter how large or small the meal or how tired and in a hurry you are, do the dishes. Even if you are hurried or late in the morning you wouldn’t dream of leaving the house half dressed. Make leaving your kitchen clean as important a priority as getting dressed for work. This may seem impossible at first but once you are on top of things it should only take five or ten minutes to clean your kitchen.

. Get rid of trash. About 50% of what unorganized people have in their homes is trash or stuff they will never use again. Stop wasting time taking care of it, moving it or stepping over it. As you walk through the house, pick up garbage and toss it.

. Control your laundry. Don’t let it control you. Follow these simple steps to help keep your laundry from taking over your home and you.

     Place a hamper or basket for dirty clothes in each bedroom and/or bath. Make sure that everyone’s dirty clothes are put in the hamper before bed and in the morning.

    The laundry isn’t done until it is put away. Get out of the mind set that if it is washed and dried it is done. Folding and putting it away is equally as important.

         Some of us think that if we get the laundry washed and dried that’s all we need to do and it’s okay for the family to just pull stuff out of a pile. That makes as much sense as cooking a meal and expecting everyone to stand at the stove and take turns scooping the food out of the pan and eating it one spoonful at a time. You wouldn’t dream of doing that. Yes the food is cooked, but the meal is not complete until the table is set and the food is put on plates. Do the same for your laundry. Put it away.

. Pick up continually. This may seem like a pain to do at first but if you stick with it, it will become a habit. I didn’t realize how much of a habit it had become for me until I was visiting my daughter’s the other day. As I was walking into the kitchen, I picked up empty glasses and odds and ends on my way. Then when I walked from the kitchen to the bedroom I picked up toys as I went in there. It wasn’t even my house but I had seen something out of place and out of habit picked it up. Every sock or glass that you walk past is a spore waiting to flourish into a vortex of debris. Catch it while it is small! _

. Read and dispose of newspapers and magazines. There are usually two reasons people have stacks of newspapers and magazines piled around:

    They want to save an article in it. If that is the case then cut the article out as you are reading the magazine and file it. Trust me, you not only won’t cut that article out at a later time, but you probably won’t remember what or where it is.

      They don’t have time to read them. If you aren’t going to read them the why are you subscribing to them? Stop your subscriptions. This doesn’t have to be an all or nothing thing. If you can’t keep up with the daily newspaper then just get the Sunday paper. Most people usually have more leisure time Sunday to read it. Pick out one or two of your favorite magazines and stop subscribing to the rest.

With any item, if it is broken or you don’t use it anymore get rid of it. That includes clothes, toys, furniture, decorations, dishes and exercise equipment. If it’s not important enough to fix right now, you don’t need it!

Jill Cooper and Tawra Kellam are frugal living experts and the editors of http://www.LivingOnADime.com/. As a single mother of two, Jill Cooper started her own business without any capital and paid off $35,000 debt in 5 years on $1,000 a month income. Tawra and her husband paid off $20,000 debt in 5 years on $22,000 a year income.

NOTE: Remember the 7th is the last day to add your name to the hat for the drawing for Dining on a Dime from Tawra and Jill. Leave your comment HERE for one chance and check out how to get up to three chances for your opportunity to win.

To Roast or Not to Roast!

By Tawra Kellam

http://www.LivingOnADime.com/

Peter Piper Picked a Profoundly Plump Pumpkin — Now What does he do with it?

Every fall I get many questions about what to do with pumpkins. Many people find curious fascination in imagining what it would be like to grow these versatile little gems, as if growing something that produces a large fruit is somehow more respectable than growing, say, a serrano pepper. Many people eventually venture into pumpkin experimentation. Some succeed and many fail. Much like a dog that chases a car, many people never give thought to what they would do if they actually succeeded in successfully raising a patch of these fall favorites. Whether you have found yourself with more pumpkins than you know what to do with or you are one of the people who had to buy pumpkins and duct tape them to the vine, these tips for roasting and using pumpkins are sure to help you make the most out of them (no matter how you acquired them)!

How to Roast a Pumpkin

You can only do this with a freshly carved pumpkin! Do not use on a pumpkin that has been

carved and sitting out for several days.

To bake a fresh 6 to 7 pound pumpkin, halve the pumpkin crosswise and scoop out the seeds and strings. Place halves, hollow side down, in a large baking pan covered with aluminum foil and add a little water. Bake, uncovered, at 375 for 1 ½ to 2 hours or until fork‑tender. Remove. When cool, scrape pulp from shells and puree, a little at time, in food processor or blender. Mix with a little salt.

To freeze pumpkin puree. Put 1‑2 cups in freezer bags along with spices and use in pies.

To use pumpkin puree for recipes: Line a strainer with a double layer of  cheesecloth or a flour sack dish towel and let the pumpkin sit to drain out the extra moisture BEFORE cooking with it. Pumpkin is very moist, so in order for your recipe to come out correctly, you MUST strain it.

Roasted Pumpkin Seeds

Boil seeds in water for 5 minutes. Drain well.  Sprinkle with salt or seasoned salt. Place a thin layer on a cookie sheet. Bake at 250 . Stir after 30 minutes. Bake ½‑1 hour more or until crunchy.

*Squash seeds may also be used.

. Pumpkin Smoothies

½ cup pumpkin

¾ cup milk or vanilla yogurt                       

¼ tsp. cinnamon                                     

1/8 tsp. nutmeg                                               

2 tsp. brown sugar                                      

4 ice cubes

whipped cream (optional)

sprinkles (optional)

Place all ingredients in a blender. Blend until smooth. Pour into 2-3 glasses. Serve with a small amount of whipped cream on top. You may also add orange sprinkles if you like.  Serves 2-3.

Pumpkin Pancakes

2 cups flour                  

2 Tbsp. brown sugar, packed        

1 Tbsp. baking powder    

1 ¼ tsp. pumpkin pie spice        

1 tsp. salt              

½ cup nuts, chopped (optional)

½ cup pumpkin

1 large egg

2 Tbsp. vegetable oil

1   cups milk 

Combine ingredients. Stir just until moistened; batter may be lumpy. Heat griddle or skillet over medium heat; brush lightly with vegetable oil. Pour ¼ cup batter onto hot griddle; cook until bubbles begin to burst. Turn and continue cooking 1 to 2 minutes. Serve with Pumpkin Maple Sauce and nuts.

Pumpkin Maple Sauce

1 cup maple syrup             

¼ tsp. ground cinnamon or pumpkin pie spice

1 ¼ cups pumpkin

Mix together until well blended.

In 5 years, Tawra Kellam and her husband paid off $20,000 personal debt on an average income of $22,000 per year. Tawra is the author of the frugal cookbook Dining On A Dime. Dining On A Dime has over 1200 recipes and tips to help you eat better and spend less. For more free tips and recipes visit her web site at http://www.LivingOnADime.com/.