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Using family meals for financial lessons

June 27, 2012 by Jana 18 Comments

I recently read an article detailing how family dinners are back in vogue. Although study after study shows the benefits of family dinners, for most families on the go, it was difficult to attain. However, more and more, families are starting to once again realize the benefits of sitting down to share a meal together. And by sitting down, I mean gathering around a table, not all sitting in their respective seats in a car or on bleachers.

I think this is a great thing. To me, the reason behind why a family sits down to dinner together several nights a week is irrelevant. The article I read said that more families are eating together as a byproduct of the Recession—unemployment, smaller restaurant budgets, less kids’ activities are all cited as reasons. The intended point is that less money equals more meals at home (not to mention the health benefits, and long term effects on the kids such as better nutrition, better school performance, lower rates of drug use, etc).

But why not use these meals as a learning experience? After all, for most of us, our financial education begins at home. This comes into play particularly if a family is experiencing a reduction in income. Family meals are the perfect time to discuss what’s going on, answer questions the kids might have, as well as provide a lesson in home economics. For instance, during these meals, families can discuss:

  • The cost of eating at home versus in a restaurant. Let’s say your family is eating hamburgers and French fries, with the whole meal prepared at home with ingredients purchased at the supermarket. Ask the kids how much they think the meal cost to prepare and then ask them how much they think it would have cost at a mid-priced restaurant.  Compare the prices. Talk about why it costs less to make the meal at home. Explain why your budget needs the savings. Or, if you’re not on a strict budget but want to reduce your dining out budget, discuss with the kids what the family as a whole can do with the saved money (day at an amusement park or the zoo or a new game or toy, for example).
  • Having a grocery budget. And how to maximize it. Talk to the kids about why it’s necessary to review what’s in the pantry and freezer before you go to the store. Share why you do (or don’t) use coupons and shop sales. Discuss stockpiling. Explain why you need to have a strict budget and why you can’t just grab whatever you see on the shelves anymore. You can even ask the kids for their input on what items they think they can do without and which ones they can’t. Including them in the process makes it less difficult. Kids can process more than we think they can, and sometimes in our efforts to protect and insulate them we leave them confused. Talking to them about the budget makes them feel included in the process which in turn makes it easier for them to handle the adjustment.
  • Menu planning. Explain to your kids why you need to plan your meals carefully. Discuss how menu planning impacts the overall grocery budget, and how by menu planning meals and snacks, there might be some extra room in the budget for treats like a half gallon of ice cream or an additional bag of chips. Ask them for their input on what foods they’d like to eat. You can even use this an opportunity to come up with a way for creative menu planning. For instance, each family member is assigned a day of the week to pick that day’s meals. Talk about weekly meal themes (ex., the first week of the month is new foods week or the last week is Mexican food week). Try to make menu planning fun and interesting for your kids. This way, they won’t really notice the change in habits.

These suggestions should be adjusted based on the age of the kids in your home. Older kids might be more resistant and younger kids might not even notice. But that doesn’t mean you should stop trying to include them in the process.

And if the biggest impact you’ve made is creating some family memories, well, that’s okay, too.

Filed Under: Family matters, food, money tips

Reader response: Cooking for a small family with a picky eater

December 7, 2011 by Jana 4 Comments

A few weeks ago, I wrote a post on how I try to combat rising prices at the grocery store. In that post, I got a comment from one of my awesome readers, Marci, asking for the name of a particular cookbook that I referenced. In the comment, she also mentioned that she is looking for healthy recipes to feed her family of 2 (her and her son). I emailed her, we chatted and she stated that she really is looking for tricks and tips to feed a small family with a picky eater who doesn’t really eat meat. I think I can help.

I love to cook. Now. What started out as a necessity has grown into something I really enjoy doing. It gets a bit complicated in my house because I don’t eat meat but my husband and daughter do (I do occasionally eat fish). My daughter is a good eater but there are things that she refuses to eat–fish, anything green, black beans (unless they’re in chili). There are some other foods she won’t eat but that changes with the tide. What she loves one day she hates the next. That’s fine though; I’ve figured out how to trick her. But I suppose that’s not really what Marci is interested in hearing.

To deal with a picky eater and a small family, here are some tactics that I use:

  • Cook once, eat twice. If a recipe is for 4-6 servings, make the whole recipe. Then freeze half and use that for another meal either later in the month or another month. This reduces cooking time overall and makes menu planning a lot easier. Some people advocate once a month cooking as well.
  • Prepare foods that freeze well. Erin Chase, the $5 Dinner Mom, has recipes for muffins and snacks that specifically say “freeze well”. Making these recipe means that not only will you have quick, easy, go-to snacks and meals on hand, but they won’t go bad for quite a while (just make sure you label the storage container with the date)
  • Invest in good storage containers and bags. If you buy a package from the grocery store of say, taco shells, you know you’re not going to use all 12 in one meal for 2 people. If you have good storage, you should be able to use them the following week without them going stale. Again, make sure you label the container or bags with the date the package was opened.
  • Use a package of food for more than one meal. It’s true that most packages come with servings that are for more than 2 people. It’s easy for the food to go to waste. To combat that, use the food in more than one meal. For instance, about 2 weeks ago, I found a great deal on wraps (keep in mind, I don’t use coupons). They were on sale for approximately $3 for a package of 16. I knew that for those 16 wraps, I could make pizza wraps, breakfast wraps, tortilla strips for corn and salsa soup, and my husband still has some left over for lunches. You can do this with pretty much any food you can think of.
  • Explore vegetarian cooking. Since Marci’s son does not like most meat but eats pasta and vegetables, it’s worth it to look into vegetarian cooking. There are tons of websites and cookbooks for recipes (allrecipes.com is my favorite), and vegetarian cooking does not have to include tofu. There are lots of kid friendly vegetarian recipes as well.
  • Institute the “no thank you” bite. There are times where I will make something that my daughter will look at and, before trying it, will say “I don’t like that” or “Ewwww” or some variation. So we have a no thank you bite rule. That means that before she says she doesn’t like a food or before she refuses to eat it, she has to try at least one bite. If she doesn’t like it after the one bite, then she doesn’t have to finish it. This encourages the picky eater to try new foods since he knows he has an out if he doesn’t like it!
  • Don’t buy in bulk. I know that a common strategy for saving money is to buy in bulk but for a small family, it might create more food and money waste than produce savings. If you do coupon, you can probably save more money by using the coupons and sales than buying in bulk.
  • Trick ’em with shapes. For a child like Marci’s who doesn’t like foods that are combined (as in a casserole), you can use a cookie cutter to cut the foods into different shapes. Your child may not like to eat a piece of lasagna but if it’s in the shape of an airplane, he may change his mind. Cookie cutters are pretty inexpensive (I bought mine for $.50) and work wonders on a picky eater.
  • Let the child help with menu planning and meal preparation. Since I’ve started including my daughter in my weekly menu planning and asking her to help make our meals, she’s been much more open to trying new foods. It gives her a sense of pride to know that she helped and she wants to try the (sometimes literal) fruits of her labor.
Do you have any tips for Marci? 

Filed Under: Family matters, food, Money

Money for nothing

November 21, 2011 by Jana 14 Comments

Back when we hit our financial low point, our grocery budget was $30 for every two, sometimes 3 weeks, for the two of us. It was during this time that I learned how to cook on a very strict budget and the cookbook Cheap. Fast. Good. was our saving grace. That $30 budget made me really appreciate the day our grocery budget hit $100 per week.

When I first started shopping with $100 each week, I felt rich! The first time I walked into the supermarket with that much money in my wallet, I didn’t know what do to with myself. It was as on odd feeling to be able to walk down the aisles and the perimeter of the store with the ability to buy extras and stop looking wistfully at items like Sabra hummus or Ben and Jerry’s ice cream or pomegranates. Even with that money, I still shopped sales, bought generics as much as possible but it was weird (and almost unsettling) to have that much money to buy food each and every week. I had longed for the day of being able to shop with more than $30 and here it was!

One of the side effects of our increased budget was having more treats in our diets (this happened mostly due to my newfound love of baking pretty much any sweet you can imagine). Another side effect was buying things like cheese and fish (the two reasons I will never be vegan). We were finally able to start building a small stockpile of staples like rice, pasta, canned tomatoes, and beans. More fresh fruits and vegetables found their way into our fridge. I was such a wonderful feeling to expand our menu plans and have a few more choices. We started sailing along on our $100 budget with no problems.

Until recently. I’d been reading a lot in the news lately about the increasing cost of food, the incredible shrinking food packages but it wasn’t something that I had really noticed. I figured the cost increase was mainly on foods that I didn’t eat. But recently, I’ve noticed the huge spike in seasonal produce. I’ve noticed that the jars of peanut butter don’t have the same amount of services or if the servings are the same, the price is much higher. I’ve noticed that the sales aren’t as good as they used to be, or happen as frequently as they used to. Our $100 budget isn’t going nearly as far as it used to. Sometimes, I come home from grocery shopping having spent $80, $90 or even the full $100 and I feel like I’ve spent my money for nothing. Like this weekend’s trip:

$80 worth of groceries. So very sad.

It’s frustrating and aggravating to feel like we’ve come so far in our food budget only to feel like we’re taking a step back. So, to combat the increasing prices, and since coupons make me both dizzy and annoyed, I’ve started implementing the following strategies:

  1. Stockpiling on good sales. For instance, our supermarket is having a deal on canned organic beans (I do not like dried beans. I never, ever cook them correctly and they taste atrocious. So I buy canned beans), and they are only one penny more than the store brand. Each week, I’ve been buying a few cans of each kind of beans. This way, when the sales stop and everything is back to their normal price, I don’t need to buy them.
  2. Avoiding prepared foods whenever possible. I try to make as much as I can from scratch but I did have a few cheats–spaghetti sauce, enchilada sauce, Morningstar Farms soy products. As the price of healthy items has been going up, I’ve cut back on all of these considerably and I even make my own spaghetti sauce, pizza sauce, and other sauces from scratch. Also, I’ve been paying much greater attention to ingredients and the vegetarian substitutes are pretty much a pricy chemistry experiment.
  3. Having a very strict shopping list. I usually make a detailed menu plan and shop with a specific list but I had become very lax about picking up items that were not on the list because I could afford them. Not so much any more. If it’s not on the list, it doesn’t go in the wagon. When the husband and the daughter come with me, I have to patrol them very carefully–nonapproved items have a tendency to sneak into the wagon when I’m not looking. One caveat: I keep a tally with the calculator on my phone. If I am very under budget and all necessary items have been purchased, I will allow one or two extras.
  4. Comparison shopping. A few weeks ago, in order to get my food shopping done as efficiently as possible, I went to a supermarket that was on the way to my daughter’s school. Historically, this store has been less expensive to the one I normally use and I was looking forward to the savings. I don’t say this often but I was wrong. Something happened and now this store is exponentially more expensive than my regular one. Needless to say, I will not be shopping at this supermarket on a regular basis.

I know that these are common sense strategies, and ones that are advocated by all smart and savvy grocery shoppers. But I’ve had to remind myself that I need to implement these strategies or I need to increase my grocery budget and compromise on other areas. It’s taken too long to actually have a restaurant budget and a “fun” budget; I don’t want to have to sacrifice those in order to afford my weekly groceries.

What changes have you had to make to deal with rising food prices?

Filed Under: budget, food, shopping

It’s my 116th post! And I’m giving something away!–CLOSED

November 7, 2011 by Jana 39 Comments

My life has become an insane mess of crazy lately. Remember how I said I was going to take some time off from teaching? Well, I might have changed my mind. I did so because I have two nonmortgage debts left to pay off and teaching this class will mean that I will have to use less of my savings to finish paying off one of them next month. Since the class will end before my trip to Disney World, which is the main reason why I turned down the others, I decided to suck it up and teach.

When you combine the teaching with the personal things I have going on (not to mention that I will be taking yoga classes two nights a week), my life is getting out of hand. However, one constant in my life is the fact that we need to eat. I have become enamored with Erin Chase, The $5 Dollar Dinner Mom. I absolutely love her recipes–they’re easy, practical, use normal ingredients, don’t take more than 45 minutes to make and are inexpensive (she takes her name very seriously). If it were not for her cookbooks and website, I believe my family would not eat. Seriously.

So I’ve decided that I need to share her books with the world (and by world, I mean those of you who read this blog). Yes, it’s time for the very first Daily Money Shot giveaway! I’m giving away copies of both of Erin’s books to one lucky winner.

[Read more…]

Filed Under: food, products, recipes

Frugal recipe: Lemonade chicken

September 30, 2011 by Jana 15 Comments

When I used to eat meat, my go-to food was chicken. We ate a lot of chicken in my house because we’re lucky enough to get it for free. Chicken is also a nice, versatile food that can be prepared in a countless number of ways. It’s actually a great food to have on hand if you’re just learning to cook.

One of the simplest ways to prepare chicken is to make breaded chicken cutlets. You can eat them plain, use them in chicken parmesan, turn them into chicken fingers/nuggets…the list goes on. My mom put an interesting twist on chicken cutlets. She makes lemon chicken but she does it in a really creative way: she uses frozen lemonade.

I never would have thought to use frozen lemonade because a) it’s just not something I buy and b) I’m not really an out of the box thinker when it comes to food.  But the final product of this recipe is delicious, especially over rice or pasta with some steamed vegetables or a salad. As an added bonus, it’s really inexpensive to make!

Lemonade chicken

Ingredients:

  • 1lb chicken breasts
  • 1-2 eggs, beaten
  • 1 cup breadcrumbs
  • 1 can frozen lemonade concentrate, thawed
  • Optional: Parsley, lemon slices

Directions:

  1. Bread chicken by dredging through egg and coating with breadcrumbs
  2. Bake at 350° until cooked through (you can also fry)
  3. Marinate cooked chicken in thawed lemonade concentrate (can marinate for 1 hour up to overnight)
  4. Bake at 350° for 20 minutes
  5. Optional: Garnish with parsley and/or lemon slices

Note: When marinating the chicken, do not do so in an aluminum pan. Any other material is acceptable.

 

Filed Under: food, recipes

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Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
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