20 July 2017

Ten and a bit Years

Wow! I've been blogging for over 10 years!

I was sitting this morning doing officework, not my favourite thing to do, but essential in the grand scheme of my life. And it occurred to me that I've been writing this blog for a long time. Problem was I just couldn't remember how long, so back I went to my notes, and then to the posts archive on this blog and all of a sudden my very ordinary, rainy, cold, wintery Thursday morning turned into something special.

The first post on this blog, Debt Free, Cashed Up and Laughing went live on 4th January 2007 - that's over 10 years ago!

I have no idea how I could've missed such a milestone, but I did.

In that time I've published 2,638 blog posts.

The most popular blog post of all time is Miracle Spray, with 44,889 views.

The most visited page is MOO Cheapskates Washing Powder with 25,129 views.

Top 10 countries readers come from are:
Australia (whew! I'd hate Australia to not be at the top ;) )
United States
New Zealand
United Kingdom
Germany
Canada
France
India
Brazil
Ukraine

I'm surprised by the stats. I'm stunned that my blog has lasted this long. Even I'll admit that blogging regularly, keeping you all up to date with the goings on in the Armstrong household, isn't my strong point. I'm a bit of a closed book, really I am, so sharing the nitty gritty of our lifestyle doesn't come easy to me.

So thank you.

Thank you for reading.

Thank you for commenting.

Thank you for taking the time to come back, time and time again.

Thank you for sharing with me.

Thank you for supporting my wacky ideas, even if they don't seem to make sense to you.

And thank you for making blogging just a little bit easier and a little bit fun for me.

Now I'm off to make a cake so we can celebrate tonight after our pizzas.



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17 July 2017

More on Making Meals Cheaper - the Sunday Roast



The price of meat has been going up, and up, and up, and up and up. Actually let me clarify: the cost of what was once cheaper cuts of meat has been going up. The more expensive cuts have increased slightly, but not nearly as much as plain old mince or sausages or gravy beef.

And the increasing price of meat has had an impact on my grocery budget. I still do a big meat shop once a quarter, but I find myself looking every week for really good specials on mince, chicken fillets, whole chickens, legs of lamb and roasting beef.

With those prices in mind, here's how we can afford to have a roast dinner every Sunday (without fail, my family almost cry if there's no roast for some reason).

If you follow my meal plan, you'll see that I I alternate between chicken/beef/chicken/lamb/chicken/beef/chicken/lamb and repeat.

When we have roast lamb or beef I make sure I cut the meat so that we get at least two dinners from the one roast. I serve one for dinner that night and put the extra meat into a Tupperware container, cover it with gravy and freeze. It is then ready for the next time that particular roast is on the menu.

This saves money and makes roast lamb or beef affordable. It keeps the electricity bill or gas for the barbecue bill down as the meal just has to be thawed and then warmed in the microwave, again making the meal cheaper. And if there are bones then those bones are used to make stock for soup or gravy, or to cook rice or pasta - making the meal cheaper still.

Here are some of the ways I get more meals from one roast:

*Cut the slices thinly - this is easier if you let the roast sit for about 10 minutes before carving.
*Make sure all the meat is off the bone, even the tiniest shreds.
*Portion control - the boys get three slices of lamb or beef, Hannah and I have two. I do spread them around the plate so they can be seen. It isn't mean folks, it's commonsense - we don't need kilos of meat with every meal. 180g per person is the recommended, that's what I aim for.
*Cook the meat in an oven bag. This helps with shrinking, keeps the meat moist and contains the juices that I use to make gravy

Meat is expensive. I aim to keep it at $5 per meal, even with the rising cost of meat. To do this I need to have cheaper cuts and stretch them, add some meatless meals into our meal plan and keep an eye out for the cheapest possible prices - then go crazy and fill the freezers.

Just recently chicken fillets were very, very cheap - just $3.69/kg. You can be sure I stocked up! Over the course of three weeks I bought 40 kilos (enough for at least 80 meals), brought them home, skinned them, pulled the tenderloins off and vacuum sealed them.

At that price ($3.69/kg) the cost per meal for chicken is just $1.85! Or if you prefer, just 31 cents per serve! That means I could afford to pay a little more per meal for the steak I bought on special at the same time.

Swings and roundabouts; as long as my average cost for the meat component of each meal is between $4 - $6 (rising prices are affecting my budget) I am happy, we eat well and most importantly my family is happy.    

14 July 2017

Cath's Meal Plan 16th - 22nd July 2017

Debbie's Pumpkin Soup
This week we will be eating:

Sunday: Roast Lamb

Monday: Peanut Rissoles, veggies

Tuesday: Spaghetti & meatballs

Wednesday: Butter chicken, steamed rice, pappadums

Thursday: MOO Pizza

Friday: Haystacks

Saturday: Pumpkin soup

07 July 2017

Cath's Meal Plan 9th - 15th July 2017

Fishcakes coated in MOO Italian Seasoned Breadcrumbs with lemon wedges
This week we will be eating:

Sunday: Roast Chicken

Monday: Fishcakes, gems, coleslaw

Tuesday: Vegetable Pasta Bake

Wednesday: Spanish rice, salad

Thursday: MOO Pizza

Friday: Hamburgers

Saturday: Pepper steak sandwiches

04 July 2017

Always Ready Muffins

I LOVE this muffin recipe, because like it's name, it is always ready!

Make up a double batch and keep it in the fridge for up to four weeks (I can guarantee it won't last that long). It makes oven fresh, warm muffins so easy you can surprise the family with an extra special breakfast in the same time you can set the table, get out the bowls, cereal and milk and sit down.

If you don't have raw sugar, white sugar is fine, or half white, half brown works too. I've even substituted honey for the molasses when I've been out (you can get molasses in the health food aisle of the supermarket and use it to MOO brown sugar as well, it won't go to waste).

Use vegetable oil if you don't have coconut oil (olive oil makes moist muffins, but can leave a heavy taste so half olive oil, half vegetable oil is good).

MOO buttermilk is easy, and cheaper than buying it unless you already have it on your shopping list. Simply take two cups of milk, less two teaspoons. Stir in two teaspoons of lemon juice or white vinegar, let it sit for five minutes and you have your MOOed version of buttermilk.

Always Ready Muffins

Ingredients:
3 cups rolled oats (not Quick Oats)
1 cup hot water
3/4 cup raw sugar
1/4 cup molasses
1/2 cup coconut oil
2-1/2 cups wholemeal flour (or gluten free flour blend with xanthan gum)
2 tsp bicarbonate soda
1 tsp salt
2 eggs
2 cups buttermilk
1 cup dried fruit

Method:
Mix oats and hot water. Let stand 5 minutes to soften oats. In a separate bowl, cream butter, sugar, eggs and molasses. Add oat mixture, bicarb soda, salt and flour alternating with milk.  Store, covered, in the fridge up to 4 weeks.

To cook: Fill greased muffin tins or cupcake liners 2/3 full (I use an ice ream scoop.) Bake at 200 degrees Celsius for 20 minutes or until a toothpick inserted in the middle comes out clean. Makes about 3 dozen.

The beauty of this recipe is that you cook as many as you need and chill remaining batter for next time.

This recipe has been shared with The Cheapskates Club


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02 July 2017

The Week that Was 2nd July 2017

I spent yesterday in bed with a shocking head cold. Lots of hot drinks (lemon juice and honey mostly), nothing to eat (felt too blah to be bothered), toasty warm feet (I brought out my thermal hiking socks) and my Kindle and was happy in my misery.

Yesterday morning was the coldest we've had this year. The back yard was gorgeous, covered in a very heavy frost, with the sun shining brightly. Thankfully the house was warm, Wayne does an amazing job of keeping the firewood cut and the fire stoked so we can all be warm and comfortable.

I must've been starting my cold earlier in the week because I was tempted on Wednesday and Thursday nights to just ask one of the kids to go and get take away. I didn't really care what take away, I just knew I didn't want to be in the kitchen, let alone cooking.

And that's where my overflowing freezers, fridge and pantry are saving us money. It was a simple thing to let everyone choose a freezer meal on Wednesday, nuke it and get their own dinner.

Hannah made a huge quiche on Tuesday, using up lots of little amounts of veggies in the fridge. It took a long time to cook through, but it was delicious, fed us for tea, then we put five pieces in the freezer for lunches or another dinner later. We didn't have enough cream so she added two extra eggs and a little more milk  and it was delicious, light and fluffy custard and we saved a trip to the shop.

My brother helped Wayne and the boys deliver some furniture from Mum's. What was originally my great, great-grandmother's dresser, that was Mum's dressing table, is now in our dining room. I've put my good dishes in the top drawers and the bottom drawer holds my tablecloths, runners, doyleys, serviettes and placemats. Every time I look up from the loungeroom I smile. It was a little sad to bring it home, but I'm so glad I have something that Mum loved and that has been handed down for well over a 150 years. I can tell you with confidence that furniture is not as well made in 2017!

Bringing in the dresser meant that the wall unit that was there had to be moved - and it was, straight to Vinnies. I'm trying very hard to stick to the 1 in, 1 out rule for July (at least,  hopefully for the rest of the year) to try and get some semblance of order back into our home.

While we were doing a Vinnies run we dropped off a box of magazines, jars and kitchen tools we no longer need or want.

The bottom drawer in the kitchen is still empty and hopefully it will stay that way.

Downloaded some free ebooks for my Kindle.
All the washing was either dried on the clothesline or on the clotheshorses this week.

I picked oranges and mandarins from the fruit trees.

All our meals were cooked at home.

Made three loaves of English muffin bread. This bread makes great toast and goes really well with soup, perfect for winter.
English Muffin Bread
Made a batch of MOO yoghurt.

I didn't get petrol; I did shift the petrol money to our holiday account, boosting it $80.

The kids saved their shower warm-up water and emptied it into the washing machine for me.

I saved the kitchen warm-up water in a bowl and used it for washing fruit and vegetables, then I tipped it over the planters at the front door.

Fed the worms with veggie peelings.

Made two more gifts for Christmas, wrapped and labelled them and put them in the Christmas gift box.

Scrumptious Savoury Scones


These scones are good for morning tea, lunch or afternoon tea. They fill hungry tummies and cost hardly anything to make.

Scrumptious Savoury Scones

Ingredients:
3 cups SR flour
600ml thickened cream
1 cup grated cheese
1 tsp finely chopped chives

Method:
Mix flour, grated cheese and chopped chives together in a large bowl. Make a well in the centre, pour in the cream and mix to a soft dough. Use your hands if necessary. Tip the dough onto a lightly floured cutting board and gently press out until about 2cm thick. Using a glass or scone cutter dipped in flour cut scones. Place on a greased baking sheet with the scones just touching. Bake in a 200 degree Celsius oven for 15 - 20 minutes, until golden brown and cooked through.

The scones will rise higher and bake better if they are just touching each other on the baking tray. You can easily pull them apart once they are cooled.




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This post has been shared at The Cheapskates Club

01 July 2017

After School Treats That Won't Break the Budget (or ruin dinner)

It's school holiday time again, and I can guarantee there are hoards of hungry kids out there, peering into pantries and staring into fridges, looking for something to eat.

You can buy snacks from the supermarket, when they are on sale - half price is the most you should pay, ever, or from grocery clearance stores like NQR here in Melbourne, but you are paying for a lot of nothing: packaging, artificial colours, artificial flavours, salt, sugar, fat - all things we don't need or really want to be paying for.

Or you can be a very clever Cheapskate and whip up some great snack treats that cost a fraction of the price and rest easy knowing you're being kind to your budget and your kids.

Over the next few days I'll post a few different snack foods, all favourites of ours. You can be sure my kids gave them a good taste test when they were younger, and you can be sure that we still enjoy them.

Some of them are so simple the kids will be able to make them - a double win for you. They'll be doing the (not so) hard work instead of you and they'll be entertained for a while too!

Today's snack idea is one of my absolute favourites - caramel corn (you'll need to to at least supervise this recipe, it does require a little cooking).

Caramel Popcorn

Ingredients:
20 cups pop corn
2 cups light brown sugar
1 cup butter or margarine
1/2 cup condensed milk
1 tsp bicarb soda
1 tsp vanilla extract

Method:
Spread the popcorn in a thin layer in shallow, greased baking pans.  Preheat oven to 120 degrees Celsius.  Combine the brown sugar, condensed milk and butter in a medium saucepan.  Stir to combine. Bring to a boil over a medium heat. Boil for five minutes, stirring continuously.  Remove from the heat and stir in the bicarb soda and vanilla essence, beating well. The mixture should be light and foamy.  Immediately pour over the popcorn. Stir with a fork to mix. Don't worry too much if not the popcorn isn't completely covered with the caramel.  Place into preheated oven and bake for one hour, stirring completely  every fifteen minutes.  Remove from oven and empty onto sheets of baking paper. Break the caramel corn into bite size pieces. Allow to cool completely before storing in an airtight container.

Variation:  Bliss Bombs - add 2 cups unsalted peanuts to the popcorn before covering with the caramel mixture.


30 June 2017

Cath's Meal Plan 2nd - 8th July 2017

Homemade chilli con carne with oven fresh cornbread
This week we will be eating:

Sunday: Roast Beef

Monday: Porcupines, mash

Tuesday: Spag bol

Wednesday: Chilli Con Carne, corn bread

Thursday: MOO Pizza

Friday: Tacos

Saturday: Oven baked pumpkin risotto

25 June 2017

The Week that Was 25th June 2017


I haven't posted my frugal achievements for a few weeks; that's not to say I haven't had any, I have. But I've also been super busy, super tired and battling vertigo and this 100 day flu that's going around. So, this is a list of what I've accomplished over the last few weeks, a bit of a mish mash, and in no particular order. Somethings I do without thinking every week (like collecting the shower warm up water) and then there are the other one off things, done to save money, time and energy for our household.

This last week I've spent mostly at home, one of my favourite things to do.

That means of course that there has been more time to putter around, doing small jobs that get put off when I'm busy.

This week all our meals have been cooked at home, from scratch, using ingredients in the pantry, fridge and freezer (they have for the last three weeks).

I bought 10kg of potatoes from Pellegrino's for $1.80 (we have enough potatoes to last us about two months now, three if we eat more rice and pasta as the starch in our meals).

I made three loaves of wholemeal bread.

I made a big pot of pumpkin soup and chopped the other half of the pumpkin into single portions then vacuum sealed in meal sizes. Four meals of pumpkin in the crisper and being vacuum sealed they'll keep for at least four weeks.

Took the hem up on a pair of dress pants I was given.

Saved the shower water and used it to fill the washing machine.

Used craft materials I had to make some cards to send to a friend.

Made 10 twist'n'pop cards for an order and sent them off.

Gratefully accepted two dozen eggs from Wendy.

Took a load of things from the boys to the op shop.

Was surprised with a beautiful bouquet of flowers (thank you Karen) and some very yummy salted caramel fudge (which I kept for myself, thank you Joy).

Bought 30kg chicken fillets for $3.89/kg. Skinned, bagged in meal portions, vac sealed and put them into the freezer.

Bought a whole rump and the butcher sliced it for me. $12/kg - not cheap but we haven't had steak for ages. Used Wayne's after-hours pay for this treat. Six meals vac sealed and in the freezer.

Made three pots of pumpkin soup. Two were eaten during the week, one will did lunches over the weekend.

Made a double potato bake, had one with tea on Friday night, cut the other one into singles serves and froze them.

Made a double batch of vegetable moussaka. We ate one on Friday and Saturday nights, the other one is in the freezer.

Bought 1.5kg capsicums for $3. Whipped out the Nicer Dicer knock off and had them all diced in no time. Bagged in 1/2 cup portions and froze them.

Worked on our spending plan - May was expensive for us, June looks like it is going to be. Thank goodness we not only have a spending plan but actually use it, all expenses will be covered.

Emptied the bottom drawer in the kitchen. It's the "junk" drawer and I can't remember the last time it was opened or we needed anything in it so out it all went. Rearranged the order of the kitchen drawers and put the everyday tea towels in the third drawer.

Took Hannah to DFO at Moorabbin where she bought her suitcase for her trip saving $290 - we were both so excited. The case was already reduced as it was the end of that particular case in the colour she chose, then for the long weekend DFO has a massive sale and there was another 25% off!

Dried the washing by the fire or outside on the two sunny days we had.
Kept the ducted heating off all week and the fire going. We haven't had the ducted heating on at all this winter - a huge saving on our gas bill. Even when we have bought firewood it works out to around $14 a week cheaper than running the ducted heating! We usually go firewood collecting, but this past year because I've been sick we haven't, so we're using a combination of bought and collected firewood.

Murphy came to visit. In the course of four days the dryer stopped working and can't be fixed, the TV in our bedroom has gone wonky (yes, that's the technical term for what's happened) and, horror of horrors, the iron stopped working!

Good thing is I rarely use the dryer for anything other than extra storage, we can do without TV in the bedroom for a while and seriously, a broken iron? Not my favourite household chore and if the washing is hung carefully and folded properly we can get away without it for a while.

Then last Monday I had a fall and landed on my laptop, cracking the screen (that was a very expensive fall!). I'm looking at whether I can claim it on our contents insurance.

Found a leak under the laundry trough. Rescued my supply of laundry soap. Found a container to hold all 44 bars of soap. Decanted borax and washing soda into containers.

Made a big batch of crumbs for schnitzels and parmas, using broken crackers, Weetbix crumbs and dried breadcrumbs.

Made a double batch of KFC mix.

Made a double batch of Shake'n'Bake.

Made a double batch of Miracle Spray.
Made and then stitched name labels into some jumpers and winter blouses for my mother.

Added to the stockpile with half-price groceries from Woolworths after checking Aldi prices to make sure they were cheaper at Woolworths.

Looked at the Flybuys offers and activated the ones that worked with the shopping list, then shopped at Coles after checking Aldi prices to make sure Coles were cheaper. Added 3000 points to our account and saved $48.

Used vouchers to buy petrol for all the cars and made sure my Flybuys card was swiped each time.

Took a box of craft materials and two bags of clothes to the op shop.

That was my last few weeks. What did you do to save money, time and energy this week?


23 June 2017

Cath's Meal Plan 25/06/2017 - 01/07/2017

This week we will be eating:

Sunday: Roast Chicken

Monday: Nutmeat loaf, veggies

Tuesday: Vegetable Lasagne

Wednesday: Kransky, hot potato salad

Thursday: MOO Pizza

Friday: Stir-fry

Saturday: Toasted sandwiches, tomato soup

16 June 2017

Cath's Meal Plan 18/06/2017 - 24/06/2017

This week we will be eating:

Sunday: Roast Lamb

Monday: Vegetable Moussaka

Tuesday: Spaghetti Soup

Wednesday: Sweet Curry with left-over lamb & rice

Thursday: MOO Pizza

Friday: Haystacks

Saturday: Stuffed potatoes with cheese, coleslaw, pineapple, sour cream

12 June 2017

Honey Do List Update


Well here it is Monday night and what have we accomplished?  Only one thing on my list!

But it was a big thing. Wayne and I completely emptied, cleaned, sorted and tidied our wardrobe. That may not sound like a big job, but we have a big wardrobe, almost the same size as our bathroom. It took us hours and hours - three all up.

It's so nice now I've been walking into it every few minutes and just standing there.

Other than that, we've done nothing that was on the list and lots of things that weren't. It seems to go like that around here. We've talked to friends via Skype, entertained unexpected visitors, walked down memory lane looking at some photos we found, had lots of cups of tea and coffee and enjoyed brownies Hannah made.

The list is still on the fridge and I'll still cross things off as they get done but I'm not going to stress about the when or how, because in all honesty, in the grand scheme of things, they're just jobs that aren't vital to life, health or well-being, unlike spending time with the people who are important to us.

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11 June 2017

MOO Condensed Milk, Cross it Off Your Shopping List and Save a Fortune

I've just been browsing the Coles catalogue for this week and notice that condensed milk is on sale for $2.50, save 70 cents. I was gobsmacked! It's obviously been a while since I bought condensed milk because the last time (I just checked my notes) it was $1.69!

I do use condensed milk quite often, in baking and to make Russian caramels, but I can assure you I wouldn't be if I had to pay $2.50, let alone $3.20, a can (and those cans are about 30g smaller than they were when they were $1.69!).

MOO condensed milk has been a staple in my pantry for years. It's easy to make, tastes and works exactly like the tinned version and costs less than $2 to make more than double the quantity you'd be paing $3.20 for.

Here's my go to condensed milk recipe - and don't worry about being able to store it before it goes yellow. It will keep in the fridge for at least a week, longer if you turn the container upside down. But it freezes! Yes, put any extra in the freezer until you're ready to use it in another recipe.

MOO Condensed Milk

Ingredients:
1 cup hot water
2 cups skim milk powder
2 cups white sugar
6 tbsp butter or margarine

Method:
Place all ingredients in a food processor and mix for about 3 minutes. The mixture will be quite thin, but thickens on standing for about an hour. Use immediately or refrigerate for up to one week. Can be frozen, thaw before use.

Makes 3 cups.

Seriously, it is so quick and easy to make and so cheap - why would you ever spend your hard earned dollars on tinned condensed milk?


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09 June 2017

Cath's Meal Plan 11/06/2017 - 17/06/2017

This week we will be eating:

Sunday: Roast Chicken

Monday: Curried tuna Slice, salad

Tuesday: Refrigerator Lasagne

Wednesday: Shredded beef & gravy pan fried sandwiches

Thursday: MOO Pizza

Friday: Hamburgers

Saturday: Fish, chips, salad

The Honey Do List for a Long Weekend

We have a long weekend this weekend (happy birthday Your Majesty) and for the first time in ages Wayne is on call all weekend so we will be home.

That means we'll have time to get some things done (and there are plenty!) so I've made a honey do list and posted it on the fridge.

I know we won't get it all done, but if we get at least half of the things on the list crossed off I'll be doing a happy dance on Monday night.

On the list:


  • Put up the shelves in the laundry
  • Move the  clotheshorse hooks
  • Paint the laundry
  • Hang the hand towel ring in the bathroom (finally!)
  • Move the shelves in our wardrobe to a better, more space efficient layout
  • Add the extra shelf in the cupboard under the oven
  • Finish off the pelmets and drapes in the lounge and diningroom (OK, this is me - I've had the fabric and tape for so long, I just haven't had the motivation to sit at the sewing machine and finish the job)
  • Make the drapes for our bedroom (see above!)
  • Hang the new curtains in the bathroom, toilet and ensuite (they're made, they just need to be put up)
  • Go through the kitchen dresser, donate what we don't need or want and put away the good dishes
  • Defrost and inventory all four freezers 

I'm going to come back and cross things off as they get done. I love seeing things crossed off to do lists so that will keep me motivated, and if I'm motivated then I can keep Wayne and the kids motivated.

What are your plans for the long weekend?

02 June 2017

Cath's Meal Plan 04/06/2017 - 10/06/2017

This week we will be eating:

Sunday: Roast Beef

Monday: Mexican Meatballs

Tuesday: Spag bol

Wednesday: Chicken parmigiana, salad, french fries

Thursday: MOO Pizza

Friday: Tacos

Saturday: Toasted Sandwiches

26 May 2017

Cath's Meal Plan 28/05/2017 - 03/06/2017

This week we will be eating:

Sunday: Roast Chicken

Monday: Homemade pies, veggies

Tuesday: Chicken Alfredo

Wednesday: Aunty Mary's Beef Casserole

Thursday: MOO Pizza

Friday: Stir-fry

Saturday: Tacos

25 May 2017

Mountain Bread


This topic came up again a few days ago, so I thought I'd revisit it here.

Mountain Bread (that thin, flat wrap stuff) can be bought direct from Mountain Bread for 33% less than you buy it at Coles or Woolworths.

If you order more than 8 packets (and no reason you can't - it lasts for just about ever, no preservatives and very little in actual ingredients, and it freezes) then delivery is free.

There are a lot of different varieties.

I buy wholemeal and corn.

I use them for wraps, as lasagne sheets when I'm too lazy to make them, for quesadillas, to make "pita" chips and to make Australian sushi.

We take them with us when we go camping, as fresh bread is hard to get in the bush. Being light and flat packed they store easily in the food drawer.

They make great strudels when you don't have filo. I use three sheets, spread with melted butter, sprinkled with almond meal, and stacked. On the last layer i put stewed apple and sultanas, or apple and rhubarb, sprinkle with a little cinnamon and brown sugar, roll up and bake 30 minutes. Delicious with ice-cream.

Use them as pastry sheets in the pie makers or quiche tins.

Two sheets layered is great for sausage rolls when you don't have pastry.

You'll find ordering info here

You'll find the order form here (with prices and varieties).

Lots of uses - if you have another one, please share it.



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19 May 2017

Cath's Meal Plan 21/05/2017 - 27/05/2017

This week we will be eating:

Sunday: Roast Lamb

Monday: Mock Lamb, veggies

Tuesday: Mushroom Pasta Bake

Wednesday: Butter chicken, steamed rice, pappadums

Thursday: MOO Pizza

Friday: Haystacks

Saturday: Muffin  Surprise

17 May 2017

Putting a Dollar Value on Blessings

I used to faithfully document the money we saved and/or didn't spend in a little notebook. I’d write down what I did and how much it would have cost if we had to buy it i.e. make a loaf of bread, saved 90 cents; repaired the hem on Wayne's work pants, saved $7.50; cut the boys' hair, saved $13 and so on. At the end of each day I'd move the "savings" from the particular spending plan categories into our Emergency Fund so that it was really saved.
I stopped jotting down back in 2007. I'm not sure why; life became busy when Debt Free, Cashed Up and Laughing was published, the kids needed more attention (teenagers are such a lot of work - fun, but a lot of work) and I'm sure there are a dozen other reasons excuses I could find.

I still shift money from spending plan categories to our Emergency Fund, only these days I do it at the end of each month.

My lovely friend Annabel over at The Bluebirds are Nesting started the Vicky Challenge last year. It's pretty much doing what I used to do - giving every task a dollar value and calculating the savings when it is MOOed instead of outsourced or bought.

I was thinking about this yesterday when I was in NQR (a discount grocery clearance store we have here in Victoria). A couple of months ago Wendy blessed us with some gravy sachets. Now, I normally make gravy from scratch using the pan juices, stock and plain flour, so I had no idea just how much these sachets cost. Hannah used them one Sunday when she cooked dinner and again when she prepared a meal with rissoles and it was very nice tasting gravy. So, when I saw them in NQR today I thought I'd get a couple as a treat. Until I saw the price! The discounted price at NQR was $1.89! I haven't been able to find them at Coles or Woolworths to see how much they are regularly.
Even so, at $1.89 each that's expensive gravy. Pan juices and stock are free, 2 tablespoons of plain flour costs approximately 5 cents. Add another 2 cents for salt and pepper and a jug of gravy costs 7 cents. That's a $1.82 saving! Just on gravy.

And that's a $3.78  blessing we received, and $3.64 I can move from my grocery budget  to our Emergency Fund (I deducted the 14 cent cost of two lots of gravy).

In January Carol blessed me with beautiful papers and cardstock I can use to make cards and other gifts. I used the Kaisercraft price of 12 sheets for $5 to calculate this as I have no idea what the original retail value was I  moved $15 from my spending money to our holiday fund.
It may sound crass to put a dollar value on blessings you receive, but I believe we receive blessings to fill a need. Sometimes we don't know we have that need when we are blessed, but it always pops up.

Making sure you use those blessings wisely is a part of being a good steward. And being a good steward means using our resources, including money, wisely. Saving the value of blessings is another form of good stewardship and financial wisdom.

Remember: money isn't saved until it is safely in the bank in your Emergency Fund, PoM Account or a specific savings account. Until then it just isn't spent; that's why I make sure I move the savings from the many blessings we receive into one of our savings accounts, ready to meet that need when it pops up.

15 May 2017

A dilemma of ethics


When is it wrong to live the Cheapskates way?

Obviously breaking the law and engaging in illegal practices is wrong and unethical. But what about bending the law a little? If you were to just walk in to a coffee shop and take three packets of sugar then that would be considered stealing. But what about when you buy a coffee and take an extra packet to keep in your bag or add to the picnic stash? Or when you buy a coffee and take the sugar even though you don't have sugar in your coffee? Is that stealing? Is that unethical?

What would you do if you were given too much change at the checkout and realised it as soon as it was given to you? Would you just put it in your purse and say nothing? Or would you point out the mistake and hand it back? After all, the checkout operator made the mistake, not you. They should have been paying more attention to what they were doing, shouldn't they?

How about when you are shopping for prices. Is it ethical to go from store to store, asking prices and playing each store off against the other to get that rock bottom price?

It is a dilemma isn't it?

To me living the Cheapskates way comes with responsibility. The responsibility to do my very best to live within our means, to be generous with our excess, to be able to maintain our lifestyle ethically and to be a good role model to my children in all things, including living honestly, morally and ethically.

At the end of the day we have to account for the choices and decisions we make, no matter how small and insignificant they may seem.

12 May 2017

Cath's Meal Plan 14/05/2017 - 20/05/2017



This week we will be eating:

Sunday: Roast Chicken

Monday: Sausage Casserole, veggies or salad

Tuesday: Spaghetti pie, tossed green salad

Wednesday: Chilli Con Carne, corn bread

Thursday: MOO Pizza

Friday: Hamburgers

Saturday: Fried Rice, Spring Rolls