Category: Saving Money 101

How Some Families Are Successfully Going Outside The Health Insurance System

Read the post from Money Saving Mom about the Samaritan Health Care Ministry:

http://moneysavingmom.com/2013/10/how-we-save-money-on-health-care-costs.html

I believe the Samaritan’s Health Cost Sharing ministry is a great idea and is working. However, the following is my response to the post:

We would like to join Samaritan, but we can’t afford $370 per month.

Currently, my husband and I go without health insurance and God has been faithful to take care of us. My husband currently has a cellulitis infection and we are treating it naturally as we have done in the past.

We treat colds and flues all naturally and ask for God’s will and intercession before we see the doctor.

My children have Medicaid for their once a year visit.

If we were to be in an accident, there are many ways it could be covered, including by charity from the hospital because of our low-income.

God knows how hard my husband works to support our family (over 80 hours per week), and where we are at financially, and meets us there. Until the fines for not getting insurance exceed $4000 per year (what it would cost for us to join Samaritan or get “regular” insurance), this is where we will live.

Simple, Healthy, Cheap! A Healthy, Delicious Dessert for $.40 per Serving!

English: Coconut oil in solid state
English: Coconut oil in solid state (Photo credit: Wikipedia)

Leave it to the Mennonites and Amish to have a repertoire of tasty, fairly healthy and very simple and inexpensive foods. Many of their cultural dishes are worth learning to make and then improving upon by substituting healthier ingredients.

This classic dessert is called: Shoo-fly Pie. It is especially good to make if you are wanting a sweet treat and are needing an iron boost. Using organic molasses in the dish provides 20 – 30% of your daily iron value, depending on how large of a piece you eat (1 Tbs of organic molasses contains approx. 15% of your daily iron value plus 730mg potassium).

Cost Per:

Family of 5 – $2.05

Serving – $.40

*prices are approximate and will vary by where one lives and other factors.

Shopping List:

Pie Shell

1 ½ cups whole wheat flour – Fresh ground flour from white wheat berries is best.

½ tsp salt – Sea salt.

¼ cup butter or coconut oil – Coconut oil is one of the healthiest oils available and if kept at less than 77 degrees, will be solid and act similar to butter in making the pie crust. Coconut oil can sometimes be found with other oils or in specialty and health food markets.

1/8 cup water

½ Tbs rice or apple cider vinegar – White vinegar is good for cleaning, but not so good for cooking. Find rice or apple cider vinegar near the white vinegar.

Filling

¾ cup organic molasses – Organic molasses can be found in specialty and health food markets or ordered online (try Vitacost ). Using regular molasses greatly reduces the nutritional content of the desert.

½ cup hot water

½ tsp baking soda – Baking soda is usually found with other baking products.

1 egg – Brown, free range eggs if you can.

¾ cup whole wheat flour – Fresh ground flour from white wheat berries is best.

½ cup cane sugar – Look for sugar in the raw, demerara, sucanat, or cane sugar. They can usually be found near white sugar. White, refined sugar is one of the least healthiest foods on the market and there are so many better options. You could also try making this pie with honey, but would need to cut back on the molasses and water by ¼ cup each.

¼ cup butter or coconut oil – Coconut oil is one of the healthiest oils available and if kept at less than 76 degrees, will be solid and act similar to butter in making the pie crust. Coconut oil can sometimes be found with other oils or in specialty and health food markets.

¼ tsp salt – Sea salt.

Instructions:

  1. Make the pie crust 1 hour before making the filling and baking the pie.
  2. Mix 1 ½ cups whole wheat flour with the ½ tsp of salt.
  3. Measure the ¼ cup butter or coconut oil into a bowl and mix it together with your hands. It should seem like crumbs when you are done, although the coconut oil variation may be a little smoother, depending on how warm the room and your hands are.
  4. Fill a liquid measuring cup with 1/8 cup water, add the ½ Tbs vinegar to it and stir. Then add this liquid combination to the flour and butter / oil mixture. Mix with a spoon or your hands and form into a ball.
  5. Refrigerate for 1 hour.
  6. After 1 hour, preheat the oven to 400 degrees.
  7. Make the bottom layer of the pie: measure ¾ cup molasses and pour into a large bowl, measure ½ cup hot water into the bowl, and then stir in ½ tsp baking soda. Be sure you have a large bowl, as the baking soda will cause the whole bowl of molasses and water to foam up quite a bit. Fun to watch, not fun to clean up if using too small a bowl.
  8. Beat the egg in a small bowl, then beat or whisk it into the molasses mixture.
  9. For the top layer of the pie: measure ¾ cup flour and pour into a medium bowl, measure ½ cup cane sugar and pour into the bowl, then mix in the butter or coconut oil with hands. It should seem like crumbs when mixed.
  10. Bring out the pie crust dough ball from the refrigerator.
  11. Press or roll it out flat between two sheets of wax or parchment paper and put it into a 9 inch pie pan.
  12. Pour the molasses mixture into the pie pan on top of the crust.
  13. Gently crumble the topping layer over the molasses mixture in the pie pan. Don’t press it down / don’t press on it.
  14. Bake for 15 minutes at 400 degrees, then drop to 350 degrees and cook for another 30 to 40 minutes. Knife test the pie at 30 minutes to see if set (knife should come out clean, not wet).

Do you like what you see here? Did you try the recipe? Would you like more healthy, simple and cheap recipes for your family?

My eBook: Simple, Healthy, Cheap! A Simple Life’s Guide To Home Economics: Beginning Cooking, will be available in a few weeks. This recipe is from the Intermediate Cooking book, which will follow it up a few months later.

Want a healthy cookbook now? I have found a great eBook, Eat Good For Life that is worth a try for only $4.95!

Saving 101: Save On Food Costs

Saving 101 Food Costs

We continue our series on ways to save money by focusing on food costs this week.

Eat In More, Eat Out Less

Savings: $10’s to 100’s

It is a simple fact that it costs a lot less to make something yourself rather than eat it out. Even the bulk food purchases that a restaurant may make, does not offset the cost of running a restaurant (employees, building, overhead, etc…). It also doesn’t offset their profit. If you are used to the rich, flavorful and even exotic foods from eating out, it may be hard to make the change and eat in. If the budget still allows, you can make the change gradually vs. cutting yourself off completely. I will admit, this was a hard one for me. I have learned over the years how to make a lot of ethnic foods, but there are some I can not master. 

Example 1: A young couple with 2 incomes used to eat out 2 or 3 times a week. They were spending about $100 a week this way (about $400 per month). When one of the their schedules were reduced to ½ time, they cut back to eating out 1 day a week. This way, they were only spending about $25 to $40 a week, cutting the budget by more than half.

Example 2: A couple starting a family reduces down to the husband as the sole provider for the family. They were eating out about 1 time a week (about $120 per month) and they cut back to eating out once per month (about $30 per month). 

Compare Store Prices

Savings: $10’s to $100’s

It is pretty surprising how much prices can vary on an item between stores. Even in your favorite discount or bulk store, the price for certain items may not be the best or lowest. Keeping track of the prices of items only takes a couple of minutes after every shop. Then, every time you shop, only purchase the items from the store you are at that has the best price for the item.

Example: Here is a spreadsheet of some items, with prices tracked per store:

  Costco   WalMart   WinCo  
Alfalfa Sprouts            
Alfredo Sauce Mix            
Apples – Fuji 9.29 for 5.5 lb

$1.69

    1.28 per lb

$1.28

Apples – Gala     3.22 for 3 lb

$1.07

4.98 for 5 lb

$1.00

Apples – Pink Lady         .98 per lb

$0.98

Avacado     .78 each

$0.78

.88 each

$0.88

Baby Wipes 15.49 for 704 wipes

$0.02

7.97 for 288 wipes

$0.03

   
Baking Powder – No aluminum         2.51 for 10 oz

$0.25

Baking Soda         1.87 for 4 lb

$0.47

Bananas 1.39 per 4 lb

$0.35

.48 per lb

$0.48

.48 per lb

$0.48

Bean Sprouts         .98 for 8 oz, lb

$1.96

Better Than Bouillon         2.88 per jar

$2.88

Blueberries            
Bread – Bagels 4.49 for 12 bagels

$0.37

2.00 for 6

$0.33

3.48 for 12 bagels

$0.29

Bread – Buns     1.14 for 8 buns

$0.14

.87 for 8 buns

$0.11

Bread – Loaf – No Corn Syrup 3.89 for 2 loaves

$1.95

2.50 per loaf

$2.50

2.28 per loaf

$2.28

Bread – Puglaese 4.49 for 2 loaves

$2.25

    1.68 per loaf

$1.68

Bread – Sandwich Rolls 1.89 for 36 oz, lb

$0.84

       
Broccoli            
Butter 7.69 for 6 lb

$1.28

1.98 for 1 lb

$1.98

1.66 for 1 lb

$1.66

So, when you go to Costco, only get baby wipes, bananas, loaf bread and butter. At WinCo, get your apples, bagels, and buns. You don’t have to go to multiple store in one week if you don’t have the time, just stock up on a couple of weeks or a month supply at the one store each week. Many things can be frozen for weeks at a time.

NOTE: I originally wrote this for my old blog 4 years ago. I don’t maintain this list anymore as it is mainly in my head. Note that some of the prices aren’t available much anymore. 

What is your best way to save on food costs?


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Saving 101: Purchasing From Community Vs. Corporations

Saving 101 Purchase From Commnity

As we last read in our Saving 101 Series, many people have had success saving money by moving from large cities to smaller, rural communities. This week, we find some more benefits of living in a rural community or at least further from town and closer to land where food is raised and grown.

Rent From Individuals vs. Corporations

Savings: $100’s

If someone needs to rent vs. purchase a home, it has been noticed that one can generally save money when renting from an individual vs. renting from a corporation. There is also usually more personal attention and the ability for more flexibility with what one can do with the property, which may lead to other savings down the road.

Example 1: A family that moved from a major metro area to a small metro area found that another family was going out on the mission field for a year and needed renters. The Missionary family is renting the 4-bedroom farmhouse, on a multi-acre farm, for only $650 a month. However, one of the bedrooms has the stored belongings of the family out on mission. This is a place that should be renting for about $850 or more per month.

Example 2: The landlords of another family (we will call them family A) also own the house next door to family A. The house has been vacant for a while. When some friends of family A moved to town (we will call them family B), the landlords were willing to rent the house to them. For only a couple hundred dollars a month plus some upkeep on the house, family B have settled in and are very content with their place.

Steaks and Roasts for $2 to $5 per Pound

Savings: $10’s

You do not need to pay $5 to $10 a pound for roasts or $10 to $20 a pound for organic, grain fed, free range beef steaks. There are Internet sites that can hook you up with “local” farmers (even if “local” turns out to be a couple hours away). Some farmers post on Craigslist (Craigslist.org) or FB Groups when they have meat available for sale. Since you are purchasing in bulk, it would be worth the drive to get 6 months of meat for about half or less than what you would pay in the stores.

Example 1: A family found a cow at auction, within a reasonable drive from town. They went in with another family, purchased the cow, and sent it off to be butchered. The total cost of the meat per pound was about $3.25, including all kinds of cuts of meat.

Example 2: Purchasing $50 to $100 of meat at a time and freezing the bulk of it, a family found a local farmer about 1 hour drive from the city and purchased meat from him as follows: $2.50 per lb for ground, $3.50 per lb for roasts, $4.50 per lb for steaks.

How have you been able to save money by being plugged into your local and/or nearby rural community?


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Saving Money 101: Saving By Moving

Saving 101 Save By Moving

If you are just starting out on how to simplify your life and save money, or even if you have been living a frugal life for awhile, the tips in the Saving 101 series are foundational tips meant to help you think about how to save money, and give practical examples, in each area of life.

#1 – Move to a Less Expensive Area – Housing

Savings: $100’s to 1000’s

By moving just 30 to 60 miles / minutes from a major city, one may be able to save $100’s of dollars a month for rent or $1000’s of dollars off of the price for a house.

Example 1: A family moved from an upscale suburb of a major city to a lower scale suburb of the same city, about 30 minutes further from the city. The rent there is $300 a month less on average. The commute cost increase was $60 to $80 per month

Example 2: Another family moved from a very large metropolitan area to a smaller, but still metro area. The commute is about the same (cost wise) and the wage is about the same. However, a comparative house is about $300,000 less in the smaller metro area. This is our example from moving from Seattle to Boise. You can purchase a good house in Boise suburbs for $100,00 / $150,000. Houses in Seattle don’t come under $300,000.

#2 – Move to a Less Expensive Area – Utilities

Savings: $10’s

One lessor know way to save money in utilities is to simply move to a sub-burb from a major city or to move to a less expensive state. There are maps available (just Google or Bing) that show the average cost of utilities by major metropolitan areas.

Example 1: The family that moved from the upscale suburb to the lower-scale suburb saw about a 50% decrease in Water, Sewer, and Garbage. They also saw about a 25% decrease in Power & Heating.

#3 – Move to a Less Expensive Area – Food, Gas, Necessities

Savings: $100’s

Generally, the cost of food, gas and necessities goes down as one moves farther from the city centers and moves more into the rural parts of the country. However, savings can also be achieved, for those who want to stay in the major cities, by making planned day trips to the further out areas and stocking up at the markets in the rural areas. Also, there are many things that may also be purchased online for less than found in the stores in the cities.

Example 1: While still living in a major city on the coast, plan a day trip to do the bulk of the shopping for the month. This could include driving two hours to the local farming community to pick up meat, grains, produce, honey, etc… then driving back towards town 1 hour and stopping at a Costco, Walmart, Discount Grocery Stores, etc… for the needed non-perishable items for the month.

Have you ever moved to save money? Share your story with us!

Subscribe to: A Simple Life Too (see the bar at the top or on the right) to get the next installment in the Saving 101 series.


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