This blog is designed to save you money and time, give ideas to cut your budget, cheap recipes and meals, raise kids on a budget, and help increase your personal wealth.
Saturday, November 15, 2008
Sweet and Sour Chicken
Sweet and Sour Chicken
2 pkgs. Ritz crackers, crushed
1 1/2 T. Parmesan cheese
2 tsp. garlic salt
1 tsp. season salt
Mix these together, put in bowl.
1 (8oz.) container plain yogurt, put in another bowl
1/2 c. melted butter (to drizzle over chicken)
8 chicken breasts, cut in 1/2 and pat dry
Dip chicken pieces in yogurt, then dip in cracker crumbs, set on 13 x 9 inch pan, not touching each other. Now drizzle melted butter over chicken. While baking, make sauce.
Sauce:
1/2 c. ketchup
3/4 c. water
1/2 small can drained crushed pineapple or tidbits, add just before serving
3/4 c. brown sugar
1 T. cornstarch, min in 1/3 c. water to thicken
1/4 c. vinegar (apple cider)
Simmer 30 minutes. Serve over rice. Baking time: 45 minutes. Temp: 350. Serving Size: 6-8.
Thursday, November 6, 2008
The Cost of Raising Children
I take this as a challenge and think that I can do a better job for way less than this:
The table below shows the estimated annual costs of raising a child, based on a survey by the U.S. Department of Agriculture. The table shows costs based on a family with two children on a per-child basis. The data comes from the Consumer Expenditure Survey by the U.S. Department of Labor, conducted from 1990-92.The figures have been updated to 2001 dollars using the Consumer Price Index. The USDA ends its cost survey when a child legally becomes an adult at age 18. It does not include any estimates for sending your children to college nor does it offer any cost estimates if your child remains in your home as a dependent after the age of 18. The College Board reports that in the 1998-99 school year, a resident student at a four-year private college will spend about $23,578 a year; a student at a public college will pay $9,008 a year. See the footnotes¹ below for further information. If you're a single-parent family, use the Single-Parent Family table. |
Dual-Parent Family
Age of Child | Housing | Food | Transportation | Clothing | Health | Child care/ Education | Miscellaneous | Total |
Before-tax income: up to $39,100 | ||||||||
0 to 2 | 2,500 | 910 | 780 | 370 | 460 | 840 | 630 | 6490 |
3 to 5 | 2,470 | 1,010 | 750 | 360 | 440 | 820 | 680 | 6,630 |
6 to 8 | 2,380 | 1,300 | 880 | 400 | 510 | 560 | 680 | 6,710 |
9 to 11 | 2,150 | 1,560 | 950 | 450 | 560 | 340 | 720 | 6,730 |
12 to 14 | 2,400 | 1,640 | 1,070 | 750 | 560 | 240 | 900 | 7,560 |
15 to 17 | 1,940 | 1,780 | 1,440 | 660 | 600 | 400 | 660 | 7,480 |
Total | 41,520 | 24,600 | 17,610 | 8,970 | 9,390 | 9,990 | 12,720 | 124,800 |
Before-tax income: $39,100 to $65,800 | ||||||||
0 to 2 | 3,380 | 1,090 | 1,160 | 430 | 610 | 1,380 | 980 | 9,030 |
3 to 5 | 3,350 | 1,260 | 1,130 | 420 | 580 | 1,530 | 990 | 9,260 |
6 to 8 | 3,260 | 1,600 | 1,260 | 470 | 660 | 980 | 1,030 | 9,260 |
9 to 11 | 3,030 | 1,890 | 1,330 | 520 | 720 | 640 | 1,250 | 9,190 |
12 to 14 | 3,280 | 1,900 | 1,450 | 870 | 720 | 470 | 1,250 | 9,940 |
15 to 17 | 2,820 | 2,110 | 1,840 | 780 | 770 | 810 | 1,010 | 10,140 |
Total | 57,360 | 29,550 | 24,510 | 10,470 | 12,180 | 17,430 | 18,960 | 170,460 |
Before-tax income: $65,800 and up | ||||||||
0 to 2 | 5,370 | 1,440 | 1,630 | 570 | 700 | 2,090 | 1,630 | 13,430 |
3 to 5 | 5,340 | 1,630 | 1,600 | 560 | 670 | 2,270 | 1,650 | 13,720 |
6 to 8 | 5,250 | 1,970 | 1,720 | 610 | 770 | 1,560 | 1,690 | 13,570 |
9 to 11 | 5,020 | 2,290 | 1,800 | 670 | 820 | 1,090 | 1,720 | 13,410 |
12 to 14 | 5,270 | 2,400 | 1,920 | 1,100 | 830 | 840 | 1,900 | 13,170 |
15 to 17 | 4,810 | 2,530 | 2,330 | 1,000 | 870 | 1,470 | 1,660 | 14,670 |
Total | 93,180 | 36,780 | 33,000 | 13,530 | 13,980 | 27,960 | 30,750 | 249,180 |
Age of Child | Housing | Food | Transportation | Clothing | Health | Child care/ Education | Miscellaneous | Total |
Before-tax income: up to $39,100 | ||||||||
0 to 2 | 2,240 | 1,010 | 730 | 330 | 220 | 530 | 380 | 5,440 |
3 to 5 | 2,550 | 1,060 | 640 | 350 | 330 | 720 | 500 | 6,150 |
6 to 8 | 2,710 | 1,340 | 740 | 410 | 390 | 650 | 670 | 6,910 |
9 to 11 | 2,600 | 1,550 | 530 | 420 | 490 | 310 | 540 | 6,440 |
12 to 14 | 2,600 | 1,550 | 620 | 710 | 520 | 400 | 520 | 6,920 |
15 to 17 | 2,760 | 1,690 | 970 | 830 | 520 | 300 | 600 | 7,670 |
Total | 46,380 | 24,600 | 12,690 | 9,150 | 7,410 | 8,730 | 9,630 | 118,590 |
Before-tax income: $39,100 and up | ||||||||
0 to 2 | 4,820 | 1,560 | 2,220 | 470 | 510 | 1,290 | 1,580 | 12,450 |
3 to 5 | 4,820 | 1,650 | 2,130 | 500 | 690 | 1,620 | 1,690 | 13,410 |
6 to 8 | 5,290 | 1,980 | 2,240 | 570 | 790 | 1,510 | 1,870 | 14,250 |
9 to 11 | 5,180 | 2,380 | 2,030 | 580 | 950 | 880 | 1,740 | 13,740 |
12 to 14 | 5,190 | 2,380 | 2,110 | 950 | 1,000 | 1,260 | 1,720 | 14,560 |
15 to 17 | 5,340 | 2,470 | 2,290 | 1,090 | 990 | 1,030 | 1,800 | 15,010 |
Total | 92,850 | 37,110 | 39,060 | 12,480 | 14,790 | 22,770 | 31,200 | 250,260 |
¹ The figures represent estimated expenses on the younger child in a two-child family. Estimates are about the same for the older child, so a family of two would then double the total cost. Thus, a family with two children and an income of less than $39,100, could expect to spend somewhere around $249,600, for two children by the time they each had reached age 18. If you have only one child, the USDA assumes you'll spend slightly more on that child and suggests multiplying the total expense for the appropriate age category by 1.24. If you have three or more children, the USDA assumes you'll spend slightly less per child. To estimate expenses for each child in a family with three or more children, multiply the total expense for each appropriate age category by 0.77. For expenses on all children in a family, these totals should be summed.
Wednesday, November 5, 2008
Budgeting Ideas
I think we can all agree that our parents lived a very different way of life than we do today. I was helping my mom clean out a closet the other day and we stumbled upon a small pamphlet that was written in 1978 that included various ways to save the average family time and money. I started reading several pages aloud with my mom and we laughed until we cried!! Did people really live like this?? Life is so much easier today with dependable disposable diapers, easy bill pay, and five dollar pizza places. A lot has changed in 30 years!! But, I think there is still some to be learned from those that have gone before us.
Here’s a list of my favorite ideas to save you time and money that still may be relevant in today’s world:
· * Set up a monthly cooperative dinner party where each couple brings one course for the meal. Besides being an enjoyable evening, there’s minimum work and expense. Play some games and it’s a fun date night!
· * If you work and buy your lunch, take a brown bag lunch several days to save money.
· * Stock up when products go on sale. It’s smart to have a food-storage of products that you need and you’ll use!
· * As a general rule, the more preparation you do in the kitchen, the less costly the meal will be. You pay for everything the food processing company does! Use that kitchen of yours! Not only foods, but cleaners and toys for the kids can be made in the kitchen that will save you money!
· * When you don’t have time for a regular shampoo, you can use baby powder to dry clean your hair. Just sprinkle a little powder through your hair and brush out. The powder will absorb excess oil and leave your hair ready for a quick set.
Here’s a list of money saving ideas that are for the die-hards:
· * When baby grows too long for his one-piece ropers that snap at the crotch, cut and hem them to make T-shirts.
· * Recycle stained baby clothes by sewing a “bib” over the stained area. Cut a pretty scrap of fabric onto the bib--large enough to cover the stained area. Trim with rickrack and attach to the garment front.
· * Don’t throw away your old shower curtain. Use it to make a cute little rain outfit for your toddler with poncho and rain hat to match. Add bows and decorate with pinking shears.
Previous generations have learned to use, re-use and recycle to accommodate tougher financial times. We can learn from them and adjust our way of life to fit the challenging economic times we’re in today!
Sunday, November 2, 2008
Chicken Cordon Blue Casserole
Chicken Cordon Blue Casserole
INGREDIENTS:
- 2 pounds skinless chicken breasts, cut into chunks
- 8 oz Swiss cheese, cubed
- 8 oz ham, diced
- 1 can (10 3/4 oz) cream of chicken soup
- 1 cup milk
- 1 box of stuffing
- 1-2 T. butter
PREPARATION:
Brown chicken and place chunks in baking dish, add cubes of swiss cheese and small pieces of ham. Mix cream of chicken soup with 1 cup of milk; mix well and pour over all. In a separate pan, melt butter, pour in dry stuffing, mix. Pour stuffing over casserole. Bake about 30 minutes at 350° or until tender and bubbly.
Crock Pot Lasagna
Crock pot Lasagna
12 lasagna noodles, uncooked 1 jar spaghetti sauce ¼ c water
1 lb ground beef, browned and drained 1 tsp Italian seasoning
1 carton (16 oz) cottage cheese 2 c mozzarella cheese
- Break noodles in half. Place half of the noodles in the bottom of greased crockpot. Stir Italian seasoning into meat and spread half over the noodles already in crockpot. Layer half of the sauce and water, half of the cottage cheese, and half of the mozzarella cheese over beef.
- Repeat layers. Cover and cook on low heat 4-5 hours. Do not cook more than 5 hours.