Simplify. Adapt. Be Inventive. Some basic theories at work here:
1. Whole ingredients are cheapest and healthiest – keep a full stock of staple foods and an arsenal of recipes that use things you have on hand.
……Key: Quick eats – always have snacks and quick meal options on hand so you don’t spend money by eating out or on pre-made, nutrient-deficient grocery items.
……Also Key: Variation – basic recipes with basic food items are important, but you have to want to eat this stuff every day. Make large batches of your basics, split into a couple of variations, then store and freeze pre-portioned amounts of everything so you aren’t stuck eating the same thing all the time.
2. By eating good food and staying happy and active, you pay less in health care and medication, and up your chances of earning more and enjoying life – and ideally, both.
3. Find economical ways to maintain small luxuries, enjoy simple pleasures and cultivate a general feeling of well-being and richness in everyday experiences.
4. Save money just by asking, and stay vigilant on your bills and spending to eliminate unnecessary cash-draining habits and easily-waived charges
Make your own EVERYTHING! This seems like it might be both time-consuming and a pain in the ass, but if you can get yourself to look at it the right way, you will find it strangely therapeutic, especially in times of need. You will take pride in your finished product, enjoy the fact that you know exactly what went into making it, and – once you get used to making things yourself – you will wonder how (and why) you did it any other way. You will also impress your lazy friends and look like you spend a lot of time doing this stuff, which you won’t, because I’m not into extreme domesticity and won’t be recommending you give up having an actual life just to play house all day.
Make your own Bread: Here’s a good recipe for 100% whole wheat bread. This recipe makes 2 loaves which is way too much for me to finish before it starts to mold (which it will since there are NO preservatives or crap of any sort, so the day after I make it, I slice it and freeze 2 slices/ziplock and put straight into the toaster before eating). I would recommend making one loaf of regular bread for sandwiches, and making the other loaf into a sweet variation for snacks and breakfast. I make cinnamon-raisin bread by lightly rolling out or stretching half of the finished dough to make a rectangle, liberally sprinkle with a mixture of brown sugar, cinnamon and raisins (about 2/3 cup, 1.5 tsp, 1/4 cup packed, respectively), dot with butter and roll up. Tuck the ends under and place in the 2nd loaf pan to rise, then bake both together like normal. Delish.
The regular whole wheat bread is pretty hearty. You will need a lot of flavor to stand up against it. I suggest making as grilled cheese sandwiches with lots of butter and sharp cheddar cheese.
Make your own Granola bars: This is the recipe I’m using right now. Granola bars are super healthy, delish and filling. This is a great thing to make yourself since you can do a lot of different variations, thus lowering your chances of getting sick of eating it all the time and resorting to spending lots of money on pre-made snack food (and again, with lots of nasty extra preservatives and crap in them). These bars always come out pretty crunchy and/or crumbly, depending on what ingredients you use. He says to use a baking dish and remove after it’s completely cooled, but the whole thing stuck so severely to the bottom of the dish the first time that I had to scrape it out with a knife and ended up with glorified granola cereal. Now I use a Silpat (or greased tinfoil) on a cookie sheet which is pretty foolproof. Good varieties: dried cranberries and pecans… raisins and almonds… dried mango and walnut. Drizzle half of each batch with melted dark chocolate for an extra flavor factor.
Other things to make yourself:
…Salad Dressing: 3 parts oil to 1 part vinegar or lemon juice, plus salt, pepper and dried or fresh dill to taste.
…Coffee: invest in a decent espresso maker and start making your own cappuccinos, once you get the knack of it, you will be spoiled for any coffee other than your own. My secret for killer capps.. use brown sugar (in general, for everything, it’s so much better) and sweeten the milk before you foam it. The result is divine. Try it. Get a ceramic coffee mug with a silicone lid for ‘to-go’s’ and you are set. Bonus points: buy Starbucks coffee when it’s on sale at the supermarket: each bag has a coupon for a free tall brewed coffee at any Starbucks location. Save these for when you’re on the road and you get free Starbucks whenever you want… all as a gift to you for being so badass and thrifty and Getting One Over On The Man.
…Delicious Treats: when you are otherwise broke, it is important to have small luxuries once in a while that make you feel fancy even though you are (financially, anyway) decidedly not. Examples:
Melted Chocolate Fondue with fresh fruit and freshly whipped cream (buy dark chocolate in giant bars at Trader Joe’s); a Cheese Plate with salami, dried fruit and crackers (again, Trader Joe’s has good deals on good cheese like brie and chevre, but I buy the giant blocks of infinitely-useful sharp cheddar and monterrey jack cheeses at Costco, slice them cute and put the package away and it still tastes damn fancy); Homemade Chocolate Truffles; or Lavender-Infused Bath Salts (you can buy this one at Trader Joe’s for a decent price if you don’t feel like making it)
Cultivate an Herb Garden, or even just one plant: You can buy a whole herb plant for about the same price as one package in the supermarket that will go bad after a week. Even if you totally screw it up and kill the plant, you will still get more than your money’s worth even if you just use whatever leaves are on the plant when you buy it. Get a few herb plants that grow according to the light conditions you have available (pdf). My kitchen window faces west and gets full sun all afternoon, and I have a basil plant there that has been holding its own for a couple of months. Attach a window box to the outside of a balcony railing with rosemary and thyme, both of which are pretty hearty and stand up well. Give fresh herbs to your friends as a gift when you visit… I swear, it’s cooler than a bottle of wine.
Use Vinegar and Water for cleaning: When your cleaning products run out, buy a giant bottle of white vinegar and use it for cleaning. The smell takes a little getting used to, but it fades away really fast. Use one part vinegar to 4 parts water. While we’re at it, start using rags instead of paper towels. Buy the paper towels that come in small pieces for when you really need them or just feel like it, and you will easily and painlessly stretch a roll for a couple of weeks.
Start Making Phone Calls: Lots of services will give you a break on your bill if you just call up and spend some time on the phone. Tell them you are going through a tough time financially and that you are considering cancelling your services. Feel free to let out a little pent-up emotion from this stressful time in telling your story and working on getting the person to be sympathetic to your woes, but don’t go too far or overdo it. Lots of times they will offer you a current promotion or some dollar amount off of your bill for a few months. They will try to get you to remove some perks from your services, the Cable company tried to get me to agree to go down to a lower package which had practically no channels. I said that I just didn’t have time to compare the channels on the two packages and said I just wanted to cancel – even if you don’t mean it, it’s a good tactic because the ‘cancellation department’ is actually the ‘customer retention department’ and they may be able to do more for you than the first person you talk to, if you have the patience to ‘go through the motions’, so to speak. Two theories are at work here, (1) it’s more efficient to keep a customer than to try to sign up a new one, and (2) they are paying for the people to talk to you on the phone, therefore, at some point, if you are on the phone long enough, it is more cost effective to give you a break on your bill and get you off the phone so their personnel can get on to other calls. I got 30% off my Cable bill for 6 months the last time I did this. Here’s some tips on how to complain effectively so you get the most out of your communication efforts. Good luck!
At the Grocery Store:
Buy multi-use whole foods:
…rice: brown rice is best but if you don’t like it all the time like my family, just buy white and mix it with good stuff when you can. I use 1 cup white rice mixed with 1/2 cup brown rice or quinoa and 3 cups of water. Use a rice cooker and make a big batch at a time, then refrigerate for use throughout the next few days so you always have something quick to eat and so aren’t tempted to eat out.
……Favorite variations:
……mix with 1 tsp each butter and grated parmesan cheese, a little salt and pepper, add some frozen peas and microwave
……cook with chicken broth instead of water. If I don’t have broth, I use Better than Boullion and mix in a tablespoon along with the water
……add to chicken soup or meatloaf
……make into a faux rice pudding by microwaving with some milk, cinnamon and brown sugar
…oats: making real oatmeal in the morning is surprisingly easy. also use for granola and oatmeal cookies
…milk: for cereal, oatmeal, instead of half and half for carbonara – I add frozen spinach, peas or asparagus to this recipe
…eggs: scrambled, omelettes, etc. or french toast for breakfast, in fried rice with leftover veggies and soy sauce, in meatloaf, and I can’t say enough about the carbonara with bacon, peas and thin spaghetti…
…cheese: I always buy parmesan for pasta and cheddar for grilled cheese, melted on hash browns or eggs/omelettes or veggies, shred in piles onto a silpat and bake until crispy for snacks, sliced and arranged for a cheese plate
…chocolate: at least 70% dark chocolate or as dark as you can get. It is good for your health and will improve your mood which I believe is most important in times of stress. Melt and serve as fondue with any fruit, or easily make your own peanut butter cups or chocolate bars by melting and dripping the chocolate onto a silpat or plastic wrap, adding any ingredients you want, then drizzle and smoosh with a spoon to cover and freeze until solid, about 15 minutes (you can use fancy molds, but without investing in anything extra, this is a great method. i have molds and still use this stuff instead). I make my own chocolate bars with peanut butter and banana slices… or dried cranberries, pretzel pieces and candied pecans.
…chicken: as I like to call it, ‘nature’s tofu’. chicken can be prepared a bunch of ways easily and deliciously. Buy whatever is on sale at the best price per pound, then portion it out into ziploc bags and freeze ahead so you always have something in the house when you need to make dinner. Make chicken piccata, roasted chicken and vegetables or chicken soup (keep some as soup in the fridge, adding rice, quinoa or noodles or lemon juice and spinach as variations, freeze some of the stock in one-cup containers for use whenever you need them, and then use the leftover chicken for chicken salad with apples, lemon and tarragon (or whatever herb you are growing on your windowsill)
Use Coupons when you can: even if you don’t save much, it will add up and make you feel productive. I go to Ralph’s supermarket in LA and use their reward system. I try to buy absolutely everything on sale, compare everything by unit price and get extra points by using my own bags. Each quarter they send me a certificate for at least $15 off my next bill, just for shopping there, which I would have anyway. I also get, along with a slew of junk mail in my mailbox, a magazine called the Clipper which I would normally throw straight out along with the rest of it. However, this one contains, tucked into the middle of a bunch of ads for things I don’t need like carpet cleaning and window treatments, a coupon for $5 off any $75 Ralph’s purchase. This shizz ads up.
Do Stuff that Makes You Feel Good: this will help with your mood and your health, and also, in theory, influence positive things to align in your life. Exercise, eat chocolate, dance, start a hobby that doesn’t cost anything, like bird watching or hiking (this is not the time to take up yachting or space travel).