Treat Time! Frugal Food Splurges

I do have a tendency to be a little too hair shirt in the frugality department. I keep saying--to my family, not here--that I am going to loosen up. It's easy for me to loosen up in the travel department, as witness my blissful month in France. We came in way under budget on that one--mostly owing to the fact that we had a free place to stay, courtesy of Frugal Son's beloved teacher.

Frugal Son will be going back to France soon: he will be an assistant in a lycee. So exciting. Certainly, his recent graduation from college and his upcoming departure are good excuses for loosening up.

First loosen up: We bought soft shell crabs at the local grocery. Only $5.00 a piece, these are fried and made into po-boys.

Second loosen up: There's a Coolinary celebration in New Orleans: many famous restaurants are participating. So, we are taking Frugal Son for his graduation lunch to Restaurant August, part of the empire of John Besh, who has even served as a catalog model.

Third loosen up: Louisiana lump crabmeat is $9.99 a pound. So Frugal Son will make us crab cakes on Monday when we get home from work after a 12 hour day, weary.

These three treats will be under $100.00. Not bad for three threats.

If you want to check out some wonderful cookbooks for inspiration and temptation, see these!


What are your latest treats?

Listen to Funny: Debt Consolidation and Getting Out of Debt

Once again Funny About Money has taken the time to explain something: debt consolidators are not your friends. Some of these outfits are OK--sorta--but it's hard to tell the real non-profits from the faux non-profits. Funny mentions that she is often offered "free posts" by these companies: so one gets an advertisement disguised as a blog post.

All I know is that the two people I know who sought help from debt consolidation companies--more than TEN years ago--are STILL paying their debt. One person told me the debt has grown--and then listed all the reasons why this was a good thing (??).

The best book I've seen on getting out of debt is an inexpensive paperback based on the model of Debtor's Anonymous: How to Get Out of Debt, Stay Out of Debt, and Live Prosperously.

I learned a lot from this book; it is more than a get out of debt tome: it's also about how to value your life.

Frugality 101: No Coupons Needed

I hate coupons, partly because I have enough trouble keeping track of the little bits of paper in my life, partly because I don't buy convenience foods and don't want to be tempted in that direction by freebies, and partly because the whole scene strikes me as obsessive and addictive. But that's just me. Yesterday, when I gave some students the first lesson in frugal grocery shopping (buy two peanut butters when it's on sale), they were amazed that I didn't use coupons. They had all seen the shows featuring extreme couponers on television--something I haven't done yet.

So I nosed around the internet and discovered that Teri--of The Grocery Game, a for-pay site that teaches you how to combine coupons with store sales--says that MOST of your savings will come from store sales. In fact, she says, you save about 50% with store sales. She says with coupons, you can save UP TO an additional 17%. Note the UP TO, by the way. Read it here.

I've been saying for years that I wouldn't save that much with coupons. I would have to buy a paper, for one thing, which would add even more clutter to my life. Now, thanks to an expert in the field, I KNOW that I don't need to use coupons.

Do you use coupons?

Frugality 101: How to Save Money on Food

Yes, again. This morning--as I was getting a cup of coffee--I was surrounded by eager faces. Was this because of my great presentation on The Wanderer? How about Shakespeare's Henry 4, Part 1?

No, everyone was listening because a student said "I need to learn how to save money on food." And I said, "I know how to do that." And I do. I do what I do without coupons, by the way.

The answer is stockpiling when stuff you use is on sale. How do you know when something is on sale? Just keep track of what you usually buy. You don't need to create a lengthy price book: I buy mostly coffee, cheese, pasta, rice, veggies,fruit, and meat: not that much to keep track of. Oh, and I'm addicted to peanut butter, which I read is going to be in short supply next spring. OH NO!

I used to buy two bags of lentils back in grad school, so I wouldn't starve. All I bought this week: grapes at 99 cents a pound. Everything else came out of my stockpile.

This works like a snowball. After a few years you can tackle a gruesome expense--like a root canal. Or do something fun. I did both last year.

What's on your shopping list this week?

The Punishment of Savers: Why Save?

It's not like you don't know this: savers have been punished over the past few years and will continue to be punished. That is because interest rates are artificially low: this benefits businesses and borrowers, but not individuals looking for some safe returns. This is especially bad for the elderly and retired, who have no income coming in.

If you don't believe me, the Wall Street Journal wrote about it.

My high-yield savings account is now at 1%. Recently, a financial mag had a headline trumpeting "Get 5 times more for your savings!" What they meant was that you could move money from a .2% account to 1%. That wouldn't make much difference, unless you had a big balance. The $5000 account would get $50 vs $12--good for some groceries, I guess. Oh yeah--you have to pay taxes on the interest, so the spread just contracted.

So why save? What else is the frugal person to do?

How I wish my children were in the market for a house!

Easy, Quick, and Even Frugal Cooking

A few days ago, Deja Pseu. chic blogger, said in passing that she was in a bit of a cooking rut. While I can't help her with the style rut that was the main subject of her post, I am a cookbook reader and lazy cook. Those qualify me as an expert.

I wrote about Marian Burros a while back, but I probably had no readers then, so I will repeat myself. Burros, who was also New York Times restaurant critic for a bit, wrote about food politics, health, and cooking. Her recipes are easy, health-conscious, and quick. She has an excellent palate and everything comes out, which is not always the case with cookbooks, especially those by celebrity chefs.

Deja Pseu said her husband was a picky eater, I think. Marian's recipes are a bit foodie, but nothing is outlandish. She also presents her recipes in menu format, so you really don't need to think.

Would le Monsieur like this? Chicken oreganato, brussels sprouts with tomato sauce, Greek salad? Probably he would wince at the sprouts, but you could do another veggie.

Or how about this? Scallops with garlic and parsley, Sherley's tomatoes, curried rice.

These are 30 minute meals, by the way, and Marian provides a 'game plan" telling you the order in which to prepare things.

Marian's books were big sellers back in the day. You can pick up one for pennies on Amazon. No doubt you can get some at your library. If you happen to have a credit at paperbackswap.com, my fave books are available!

On-line Shopping: Good Deals? Surveillance?

Every now and again I think I should mention the discount site Sierra Trading Post. I first heard of them when I was sent a tiny catalog, with mostly men's outdoor wear and gear. Over the years the company has gotten more and more successful and the catalogs--and now the website--have gotten so unwieldy that, afflicted by too many choices, I don't buy anything.

One reason I love the company is that it is among the few with a no-questions asked, no time limit return policy. I looked over the site a few days ago and found that they carry all sorts of desirable stuff, some even for fashionistas. So, for the sporty, they carry Keens. For the middle-aged comfort-oriented woman, they carry Lilla P. And for the fashionista they carry Lafayette148. And much more.

Needless to say, I was hooked by some (forgive me fashionistas) jean leggings. They were half price. I put them in my cart and decided to think about them for a few days.

The VERY NEXT DAY I received a 40% off coupon/free shipping offer. Now, I get these all the time and just delete. I am wondering if the offer was triggered by having the items in my cart, languishing unbought.

Does anyone know? And should we be worried about surveillance? I still love the company.