Healthy, Inexpensive, & Fast Valentine's Day Ideas

So, Valentine's Day is Friday...of course you already know that because unless you haven't left your house in six weeks, you have seen Valentine's products EVERYWHERE you go.

My sweetie and I have each lost quite a bit of weight over the past few years. I lost 60 pounds and hubby lost 120 pounds. We both make much better eating choices than we used to in our nachos and pizza eating days. Boxes of chocolates aren't exactly on the gift giving list with the changes we have made!

With Valentine's Day approaching, I was wondering what to do for Joe this year. As I was walking through the grocery store today, a nice bunch of bananas caught my eye and I knew right away what I was going to put together for his gift!

I am going to make him a fruit basket with a funny little homemade card tucked into it. I am going to include bananas, a couple of pears, strawberries, oranges, and perhaps a pineapple. The card will say something like, "Hey baby, I hope you know that I am BANANAS about you. I think you are the BERRY best thing that ever happened to me. I try not to PINE(apple) away too much when you are gone. I think we are one of best PEARS I have ever known. Will you be my Valentine?"

If your sweetheart is an outdoorsy fitness buff, you could create a nice basket with bottles of vitamin water or Gatorade, a variety of protein bars, a cute towel for mopping a sweaty brow, and some sunscreen from the dollar store.

For a gardening spouse, a basket with some new gardening gloves, tools, and seeds would be appreciated! Or put all the gardening items in a new gardening hat! Your gift can be very thrifty (think Dollar Store or thrift store) or you can splurge on items you know your sweetie would not buy for himself or herself.

The point is that we can show our love and appreciation for our loved one without breaking the calorie bank! And if we can do it inexpensively, how much better is that? It really isn't the money you spend but the thought and effort that you put into a gift that makes it appreciated.

My honey REALLY loves tostadas as a meal and we do bean tostadas so they are pretty healthy, too. I think I will make tostadas and guacamole for dinner this Valentine's Day. I am still trying to decide on a dessert that is gluten-free, dairy-free, and healthy. Suggestions are appreciated!

What gifts are you giving this Valentine's Day? How will you celebrate the day of love? (keep it PG, people!)

And the Oscar Goes to...

Oscar season is upon us! My youngest son and I are starting our quest to watch as many of the Best Picture nominees as we can before the Academy Awards air on March 2.

Recently we watched Captain Phillips. May I just say that I don't understand why Tom Hanks wasn't nominated for his very superlative performance? His performance was gripping!

I bought some Alamo Drafthouse movie tickets through a wonderful Groupon offer so that we can go see the movies that are still showing in theaters. We are debating on what to go see: American Hustle and Wolf of Wall Street are at the top of my list but my son isn't sure he wants to see a movie that may have sex scenes in it with his mother...Twelve Years a Slave is still in theaters as is Frozen, and Dallas Buyers Club.

If you have not had the opportunity to watch movies at Alamo Drafthouse, I strongly urge you to give them a try. The cost of the movies is often less than at other theaters and the movie going experience is much better. If someone in an Alamo theater pops out a cell phone during a movie, the staff at Alamo Drafthouse will pop them out of the theater! Also, they have a strict no-children policy that I very much appreciate. I love children and have often felt very uncomfortable seeing young children at adult movies. This is not an issue at Alamo Drafthouse.

I also want to see Philomena as I adore Judy Dench in just about everything. I saw the actual Philomena on The View. I am a sucker for stories that are based on real people and events; it is the journalist in me. I think that true life is way more interesting than fiction. Unfortunately, Philomena doesn't seem to playing anywhere near me and the DVD doesn't come out until two days after the Oscars. So, I won't be able to see it before the show but I do plan to see it as soon as I can.

We are going to rent Gravity and Nebraska when they are available on February 25. Can you tell that we take this Oscar stuff very seriously?

We find this to be another way we can live large on a small budget- for more on how we roll at my house see my post Tighten Your Spending Not Your Living. We get our movie tickets as inexpensively as possible, rent movies from Redbox, print the ballots (Printable Oscar Ballot) to fill out before the show, decorate the dining room table creatively with movies and other things we have around the house, and serve special snacks for our own Oscar party. The person who does the best at choosing the winners gets a prize too. Last year I found an instrumental CD of Oscar nominated movie soundtracks at the Dollar Tree for our prize. So, even our prize was inexpensive AND it went with the Oscar theme!

Do you enjoy the Oscars? What movie do you think will win Best Picture? Let's discuss below in the comments.

Don't Give Up on Your Goals!

We are three weeks into the New Year and people are already getting tired of going to the gym, counting calories, budgeting, sticking to a routine, or any number of resolution related activities.

DON'T GIVE UP!

I get really tired, at times, of being vigilant with my eating and exercise. But then I remind myself of the results I obtained by not giving up. I lost 60 pounds! It didn't happen in one day. It happened as a result of many days of good decisions and efforts and by not beating myself up for a slip here and there.

Are you feeling frustrated with your weight loss/health improvement plan? Do you want to quit because it is too difficult? Perhaps reading the posts, Low-Cost or No-Cost Weight Loss Resources That Worked for Me, New Year, New You?  will encourage you. I have maintained this weight loss for 4 1/2 years now by sticking with my eating and exercising plans.

Just last night I had to remind myself that I wasn't really hungry at 11:00 p.m. so I made myself a cup of herbal tea instead of eating something. I sat down with the tea and an interesting book and relaxed. I got sleepy after about ten minutes and went to sleep. I should actually have gone to bed earlier because staying up too late is a prime cause of overeating. But, if I do stay up too late, I have a strategy to keep me on track.

Having this book as a
resource was like having
a personal coach at my
disposal!

Having a set of plans in place is the most important piece to achieving goals, in my opinion, because when faced with a difficulty, you already have the key to overcoming it. A 20/20 show I watched a few years ago stated that the reason people survive disasters such as plane crashes or fires in large public places is due to the information they acquired prior to the tragic event. In the case of a plane crash, survivors are usually those people who know how many rows they are from an exit and who pay attention to the safety briefing.

In meeting goals, knowing what some of the pitfalls that can happen and how you will deal with them in advance is as useful as knowing how many rows you are from the exit in a plane. This information will help you to survive.

I am currently working on improving the way I manage my income and outgo. It's two steps forward and one step back at times, but I am not giving up. I have already seen improvements because I am not quitting. This month I am going to pay my property tax in the month it is due and in full! I have not been successful at doing that in about eleven years due to a low income and poor management of that income in the past. I set myself some financial goals and I am seeing them come to fruition because I kept going instead of throwing in the towel.

I am planning to add quite a few of these to my bank account
this year! How are your financial goals doing? 

You owe it to yourself to keep going because you are worth it! You are deserving of the time and effort required to reach your goals.

If your family isn't supporting you in your goals, find some like-minded people who are also trying to achieve similar results. We will not change if we do not surround ourselves with positive, uplifting influences.

If you can't find people to be with, look for podcasts, Facebook groups, online classes, books, videos, television shows, Pinterest pages, or Twitter feeds on the area of your goal to inspire and educate you.

No excuses in 2014 is my motto! What is yours? What are your goals for 2014 and how will you achieve them? Let's help each other by continuing this conversation below in the comments section!

Better Living Through Conservation of Funds or Thrift Store Success!

Son (aka Sawyer) to mother, "I need some new clothes and shoes!"

Mother (aka me), "I do not have that much money for clothes...let's go see what the thrift store might have."

Son, "Oh, they never have anything good."

Off we went to my favorite thrift store. When we arrived, I asked the clerk what the daily special was and nearly fell over when she said it was 50% off EVERYTHING! I was excited and sad at the same time because there were only twenty minutes left before the store closed. We would have arrived earlier but my son was balking about going! The thrift store is a gold mine people! Shopping there allows you to live BIG on a little money. Read my previous post, Tighten Your Living, Not Your Spending for more on this school of thought.

We went over to men's shoes but didn't find anything that was what my son wanted. A check of men's belts also proved disappointing, but when we went to the pants rack we found a nice pair of GAP navy blue pin-striped slacks in his size. They were priced at $5.00 but due to the sale we only paid $2.50.

The pants are quite nice AND are
machine washable! Deals aren't deals if
dry cleaning is involved, IMO. 

Son (aka Sawyer) likes dress
clothes but is a poor college
student with poor parents. 

He also found three Van Heusen fitted dress shirts that were priced at $4.50 but thanks to 50% off, we paid $2.25 each. The shirts retail new for $25.00 each and these shirts were in excellent condition.

Two Van Heusen fitted white shirts
for under $5.00!

I also found some wonderful items that will be Christmas gifts for some of my family members. A lovely set of brand new Norman Rockwell playing cards in a gift tin that cost $1.00 for my father-in-law who plays cards everyday. A really cute bobble head figure for someone whom I can't name because they may be reading this blog but it was only $1.00! Another item I purchased was a very nice, new in box spa item for $1.50 that will make another family member quite happy at Christmas.

Some folks think that thrift store equals old, broken, out-of-date, junky, stinky, and so on. To me, thrift store equals fiscal responsibility, resourcefulness, dollar stretching, and ingenuity.

If I had gotten the three shirts and slacks new for my son, I would have spent around $100.00! Instead, I spent $9.00. I can't even sew clothes for those prices. Now, I don't often shop retail, but on this shopping day, Sawyer and I went to Ross because he also needed a belt and shoes. We saw the exact same Van Heusen shirts at Ross for $14.99 and the price tag noted that retail for the shirt was $25.00 so I know for certain that I could have spent $75.00 to buy those shirts brand new elsewhere.

As it is, because I opt to check thrift stores first, I didn't spend $91.00 that I could have if I had not checked the thrift store. Today, I took that $91.00 and spent it to pay my water bill, my trash collection bill, and a payment on a medical bill that I am chipping away at bit by bit.

By shopping creatively, I don't have to resort to using credit cards to pay for necessities or to seek out payday loans to cover my needs.

So, do you shop the thrift store? How do you save in one area to free up funds for another?
Sound off in the comments below!

New Year, New You?

Unless you have been under a rock, you have noticed that a few moments after 2014 began, the barrage of weight loss commercials for diets, diet aids, gyms, and the like took over the air waves.

We were encouraged to eat tons of treats during the holidays; every women's magazine and every morning news shows rushed to share recipes for all sorts of foods. Then, one minute into 2014, they pull the rug out from under the partiers and start hitting them in the stomach and wallet.

Well, my friends, if you over-indulged during the holiday season or the past 20 years, don't go crazy and do something drastic to fix your problem. Be kind to yourself and formulate a plan.

I suggest that you begin with walking...consistently. When I decided I wanted to lose weight and reclaim myself in February 2009 , I started walking at a gym. At first, I just walked a mile and I walked it kind of slowly. But I did it and I did it three times a week. I didn't change my eating at first. So, I didn't lose weight at first either. But that was okay, because I was working on building a habit.

After a few weeks, I decided that I needed to kick it up a notch, so I tried running. I nearly keeled over after just 30 seconds of running. Seriously. No, really! It was embarrassing to be that out of shape.

The next day, I walked a mile, and ran for 30 seconds of that time. I was still about to keel over but each day when I went to the gym, I made sure to run for a bit of the time I was on the treadmill. I upped my running by 30 second increments and I also began to alternate walking with running (this is called doing intervals and it burns lots of calories). Eventually (it didn't take all that long) I could run a 5K on the treadmill in about 45 minutes. I know that isn't super fast but I am very, very short and I was running as fast as my little legs could do.

Within two months of beginning to work out, I had lost 15 pounds. By late 2009 I had lost 40 pounds using the principles in Bob Greene's book, Total Body Makeover, and doing interval training.

I have lost about 60 pounds altogether since that cold February day when I nervously stepped into a gym with a friend and her mother. I didn't buy a costly program and I didn't have a lot of support at home. I did pray and ask God to help me to change. If I wanted to eat something I knew would not help me in my goals, I would ask God to help me not to eat it. I would tell myself that I could that food the next day if I wanted to eat it.

I am not going to lie to you and say it was easy because it wasn't. It was a lot more emotional than I had expected. I realized that a lot of my over-eating had its roots in not dealing with my feelings and emotions. If I was annoyed with someone, instead of getting the problem resolved, I would just go to the refrigerator.

As I started to realize what I had been doing, I began to change the way I dealt with anger, disappointment, loneliness, and other emotions and emotionally charged situations. During the time I was working on my weight loss and myself, my mother got very sick with terminal cancer, went into hospice, and died. I was very vulnerable at this time to fall backwards on my weight loss journey, but I leaned heavily on God, threw myself into my work, and kept going.

If you want a new you this new year, you can do it! You just need to decide that you are worth all the work you will have to do physically, emotionally, and spiritually to see the change you want. If I did it and at the age of 45, anyone can do it!

Let me hear about you and your plans. I want to help. And you can help me to reach my goal of losing 10 more pounds. Let's succeed together!

Tighten Your Spending, Not Your Living

People who know me and later find out that we live on a very low income are amazed to discover this information. Some think that given our low income, we get some kind of government assistance such as unemployment or food stamps to make it. However, that is not the case for our family. Our philosophy is that we will trust God to provide what we need, and we will do the very best with can with the resources available to us.

Some of the resources we have are ourselves and our abilities. I love to learn new skills and I love to shop for bargains everywhere I go. Recently, our living room furniture's well loved look started to get to me. I decided to go to the thrift store to see if I could find something to use to freshen up the look of the couch and two side chairs. I don't have any funds for replacing the furniture at this time.

I had a coupon in my possession for the thrift store that would allow me to save $5.00 off a purchase of $15.00 or more. I went looking for a large bedspread to use as a couch cover, a nice piece of fabric to use to recover the living room chairs, and a fitted sheet to use to cover the seat cushions on the couch.

My living room is decorated in the colors mauve, forest green, cranberry, and white. I found a large mauve bedspread, a forest green queen-size fitted sheet, and a drapery panel in forest green that has a nice pattern in it. I also found a new Christmas tablecloth at the same time that has mauve colored poinsettias on a cranberry colored background. I spent around $17.00 for these items. Let me show you the before and after on the chairs.

I can't believe I let the chairs
look like this as long as I did!

 We had originally bought these chairs as part of a lot of twenty chairs for $40.00 at an auction. So, the chairs cost $2.00 each and we have had them for around seven years. This is the third time I have recovered these chairs. Each time, I look for inexpensive fabric at a thrift store. The drapery panel I bought cost $2.99, so I recovered each chair for $1.50 plus the cost of the staples in the staple gun, and my time to recover the chairs. I spent around 1 1/2 hours removing the old fabric and putting on the new fabric. I kept the contrasting fabric from the previous recovering job because I liked that look but I still have enough fabric to change it if I decide to do so later.

All freshened up for the new year!

We have to keep a tight grip on our spending so that we have as much of our income available as possible to pay the non-negotiable bills such as the house payment or electric bill. However, tightening up our spending doesn't mean we don't enjoy our lives. We do everything everyone else does; we just do it differently.

Case in point- I have been wanting a pair of warm, snuggly boots for quite a while, but I was unwilling to spend the money that would be required to buy such boots at a retail store. Every time I went into my favorite thrift store I made sure to look at the boots they had in stock. A week ago, I finally found exactly what I wanted in my size. The boots were only $4.00! The only issue with them that I had to resolve was to buy new laces. I bought an inexpensive pair for $1.97 because if I had bought the suede laces, I would have spent as much for them as I did on my boots. I may upgrade to the suede laces but for now I am quite happy with my boots and laces.

I told my husband that these boots have changed my life. I get
very cold in the winter and once my feet are cold, I can't get warm
for a long time. These boots keep my feet nice and toasty. I can
stay outside longer and more comfortably. I am one happy gal! 

Would it have been easier to go to the store and buy a pair of boots when I needed them? Maybe for some people it would have. For me and my family, when we have a need we know we have to be a bit patient to get that need filled. Would it have been easier to get new chairs rather than to find the fabric and make the time to recover the chairs? Again, for some people that answer would be yes. 

In our family, due to our restrictions, we have developed many useful abilities and attitudes. We are generally content with what we have, we have learned to do many things so that we can live within our means (cooking, baking, making simple repairs, doing simple maintenance around the house), we are grateful and appreciative of whatever we receive, and we help each other as much as we can. 

My younger daughter and her boyfriend recently brought us a microwave and coffee maker that they did not need. A roommate had left the microwave and they had gotten a Keurig so they didn't need a full size coffee maker any longer. 

I cleaned the microwave and improvised a foot to replace the two back feet that were missing. We had been without a microwave for nearly a year but I didn't want to spend money on a cheap model microwave and then have to spend again when I finally had the funds to get the over the stove model I really want, so I just did without. My daughter knew we didn't have one and rather than selling her extra one, she blessed us with it. My coffee maker had also died and again, I want a certain model of coffee maker so rather than buy a cheap one I decided to learn to make coffee without a coffee maker until I could get what I want. Here are a couple sites that I found helpful:

http://www.articlesbase.com/coffee-articles/how-to-make-coffee-without-a-coffee-maker-1967702.html?utm_source=google&utm_medium=cpc&utm_campaign=ab_paid_12&gclid=CPPr69eR47sCFUho7Aod7lIAEA

http://www.ehow.com/how_4505550_brew-coffee-coffee-maker.html

If it had bothered me to be without these items, I would likely have gone to the thrift store to get them while saving for the nicer ones I ultimately want. I find that the thrift store allows me to have just about anything I need or want and still stay within my budget. 

Letting others know of items you need is also a useful way to tighten your spending but still get what you need. Lots of people have no longer needed items cluttering up their homes and would be happy to pass them on to someone who can make good use of these household goods or clothes. I belong to my local Freecycle (https://www.freecycle.org/) and have gotten lots of needed items for free as well as decluttering my home by passing on no longer needed things to others who need them.

Anyway, I hope you are getting the idea that there are a lot of ways to manage when money is tight and still enjoy your life. There will be more posted on this topic throughout the year and I hope to hear from you so I can learn more!

Did Christmas Wreck Your Budget? Ten Ways to Do Better Next Year

Christmas 2013 has now come and gone. We had a very nice celebration and I hope you did too. We have five children, three of whom have significant others, and we have two grandchildren. We get gifts for all of them as well as for my husband's parents, my three younger sisters, some nieces and nephews, a few co-workers, and we pay cash for everything.


We don't have a big budget with which to purchase all these gifts and we don't generally purchase big ticket items but everyone is usually pretty happy with what they receive. Let me share some of my tips and techniques that I have used to accomplish this feat each year.

• Keep a gift notebook. I use a plain old spiral notebook but you might like to set up something in your phone or computer. I allot a page to each family member and I pay close attention to anything they say that they would like to get. I write this info on their page and keep my eyes open all year for these items to give to them for Christmas or birthday gifts. 

• Use the Kohl's or other store gift cards that come in the mail to you. I received three $10.00 Kohl's gift cards in my mailbox. The first one I used to help purchase some lovely Melissa & Doug puzzles for my grandsons. Kohl's had the puzzles on sale at 20% off their regular price and I applied the $10.00 gift card to the purchase and got two nice wooden puzzles valued at $27.00 for a total of $11.50. The second $10.00 card was used to purchase a $56.00 sweater for my youngest son for only $11.99. The sweater was on sale for $21.99 and I applied the $10.00 card towards it, making it an amazing deal. My son was delighted with his sweater and wore it to his grandparents' house for Christmas. The third $10.00 gift card helped me to purchase $52.00 of items for only $17.99. I bought my older daughter a pair of Lauren Conrad leggings on sale for $9.99 (were $20.00) and I bought some very nice bath and body items for my son's girlfriend at 50% off the regular price, then applied the $10.00 card and went home very happy with my purchases. The young ladies were also very happy when they opened their gifts on Christmas Day. If you are keeping track, you will note that I purchased $135.00 of items for five people for only $41.48! That is nearly 70% off the original retail price of the items. Even on a very limited income, shopping this way allows me to stretch my precious dollars and bless my family.

• Watch for bargains all year: I have a spot in my closet where I store items I bought on clearance for future events such as birthdays and holidays. I purchased a plaque for my daughter's boyfriend that said Man Cave. It was on clearance at Target for $5.00 but was originally $12.00. Colin loves his man room so I knew this would be a fun addition to his room. I saw it and purchased it in March 2013 and held on to it until Christmas. When I see a sign that says “Clearance” or see those wonderful orange clearance tags, I make a beeline to that area and go through that section to see if there are any items that would make great gifts.

  

  I bought this after Christmas last
  year to save for my younger grandson.
  I only paid $5.00 but I count it as a
  $10.00 gift. 

•  Shop thrift stores: Yes, even for Christmas! Thrift stores are full of brand new and like new items. It is true that you cannot return the items that were purchased at thrift stores but don't let that discourage you from shopping there- you just need to know the person very well for whom you will be shopping to make this work. I have gotten many new items at my favorite thrift store that still have the retail tags attached. My thrift store runs a different daily special each day. A few weeks ago when I stopped in, the specials were: 50% off all books, puzzles, and bagged toys. I got six new condition board books for my younger grandson for $1.50, a new condition wooden puzzle for the same child for $1.00, and several amusing paperback books to tuck into stockings for 12 cents each! Earlier in the year, I bought a new 4-piece sushi serving set for $4.00 to give to my younger daughter.

4. 

   At retail price, these books would have
   cost me $13.00, but I paid 75 cents!

   
   

   

   What little boy or girl wouldn't love this
   puzzle for Christmas?
   
   

 

•  Purchase memberships to certain stores to get discounts all year long: my youngest son has a memberships to Game Stop which enables him to get a 10% discount on purchases. He allowed me to use his discount to purchase items for my daughter's boyfriend for Christmas. I bought one game brand new and one game previously owned and saved 10% on the whole purchase. 

• Many stores offer a bonus gift card for the purchase of a certain dollar amount of gift cards. Case in point: Half-Price books offered a $5.00 gift card good in January for each $25.00 gift card purchased in December. I had a lot of books on my list for Christmas gifts so when I went into the store, I bought gift cards, got my bonus gift cards to use in January, made my selections, and then used the gift cards I had just gotten to purchase my Christmas gifts. In January, I get to take $15.00 in bonus gift cards to go shopping for myself or get a head start on 2014 Christmas shopping.

I took $75.00 in gift cards and turned into
$90.00 worth of purchasing power

• Shop discount stores: I live in a fairly small, semi-rural town so shopping options were, until recently, quite limited. This year, just before Christmas, a Ross store opened in our town. My middle son wanted an electric shaver for Christmas and when I looked at Walmart and some other stores I felt that this item would be out of my means to get for him. While in Ross, I went to the men's section and noticed a Remington shaver with the specifications he wanted for under $25.00 dollars. This same razor was nearly $50.00 in other stores! Thank you, Ross, for making my son happy this Christmas.   

• Buy in bulk when you see a great item at a great price: a couple years ago, I walked into my local Walgreen's and saw that they had an end cap full of really nice jar candles originally priced at $9.99 marked down to $2.00. I bought five candles and gave them as Christmas gifts to folks with whom I worked. They got $10.00 gifts and I got to stay within my budget. I do this whenever I can as often as I can.

• Use the discount coupons that various stores publish in the Sunday paper. We shopped at Hobby Lobby using 40% off coupons to purchase a hobby knife set and portfolio for our middle son. The items together would have retailed at $38.99 but using the coupons we only paid $24.00 which freed up our money to be used to purchase more gifts for more folks on our list. 

And finally my tenth way to do my gift giving affordably-

• Sell books to Amazon: I sell my college children's used textbooks to Amazon when I have items they are interested in buying. This year I only had one book that was on the list of items they wanted. This book brought me $11.44 in Amazon credit. I also earned a $10.00 Amazon credit for doing a survey for a company so I had $21.44 in credit with Amazon. I let whatever credits I earn just accrue until it is time to start Christmas shopping. The small amount I had was enough to purchase 12-month magazine subscriptions for four people for Christmas gifts. Note that I was able to give four gifts without spending a dollar out of pocket.

I hope these ideas will help you to enjoy shopping for the holidays regardless of the size of your budget. I would love to hear what you do and how you save on these types of purchases, too!