An Unlikely Frugal Kitchen Tool

One of the least obvious frugal tools in my kitchen is the humble plastic ice cube tray. I keep several of these around to use whenever I have a surplus of several different kinds of food. By freezing stocks, sauces, fresh herbs and even some soups, I save up what I can't use immediately in a stable form and a convenient size. This lets me buy some items in quantities much, much larger than my two-person household would otherwise be able to use.

For instance, there's a particular tomato sauce that I like to use on our homemade pizzas. I first came across it in an expensive antipasto bar at our local upscale grocery store. I soon identified the brand of sauce that they were selling and sourced it from an Italian deli/grocery store. The cans were large, but the price was great. So I opened the can and used just what we needed for our dinner. Then I filled three ice cube trays full of tomato sauce for three days running. I ended up with frozen cubes of tomato sauce, which lets us thaw just a tiny bit of sauce at a time, just enough to lightly sauce our pizza pies. I store these in a ziploc bag in the freezer.

I've done the same with coconut milk. Cans of coconut milk inevitably seem to contain more than my recipes call for. Rather than trying to come up with an additional use for the remaining milk, I just freeze what's left over. Same goes for chicken and beef broth or any leftover cooking liquid. The size of the frozen cubes makes it easy to garnish with small quantities. I've also used frozen cubes of broth to rapidly cool down soups that need to be refrigerated. I try to prepare the soup with a little less liquid than called for when I want to do this. So when the cubes melt, I don't have soup that's too thin. When storing broths this way, or anything that looks less distinctive than tomato sauce, I label the bag so I can easily distinguish between beef broth and chicken broth. It saves rummaging around in the freezer and letting out too much cold air.

One of the less intuitive uses for the ice cube tray as a stocking up tool is preserving fresh herbs. When basil is in season, I grow a lot of it, clean it, chiffonade the leaves and pack them tightly into the compartments of a tray. Then I cover them with olive oil and freeze. The cubes of oil and herbs make a great accompaniment to meats, some soups, pasta dishes and of course, pizzas. Naturally, frozen "fresh" herbs aren't quite as good as the real thing. But it's better than letting anything go to waste, paying through the nose when it's out of season, or worst of all, going completely without the taste of basil in the winter. I try to match the oils with the herbs. Olive oil goes with parsley, basil and sage. Canola oil goes with Thai basil, mint and cilantro.

Hope you found this tip useful!

Home Cooking & the Importance of the Pantry

Frugality is easy for me to practice in the kitchen because I am an experienced cook. With professional training as a chef, this isn't much of a boast. But I got to thinking about how frugality works in a kitchen the other day.

I'd picked up some ends of smoked ham at the butcher, planning to make either ham salad or deviled ham. I'd never made either of these before and didn't have any specific recipe in mind. When I got home, I surfed for a few recipes, got a rough idea of what the standard ingredients were and then headed into my kitchen. Dried spices came out of the freezer, condiment jars and half a red onion out of the fridge, and a few other things out of my pantry.

As I mixed the chopped ham with a variety of ingredients, I once again felt that familiar pleasure of creation in cooking intuitively. I marveled at what I was able to create, just from what I had on hand in my home, plus one ingredient that I picked up very cheaply on impulse. What struck me is that my pantry allowed me this creative freedom, and that my pantry is a reflection of my approach to cooking. I suspect that the home pantry, as much as the inclination and the skill of the cook, is what allows delicious meals to be prepared in any given home. Ingredients are as essential as skill when it comes to cooking. Even a skilled chef can only work with what is on hand.

So I wanted to take this opportunity to once again sing the praises of a well stocked pantry. Having fresh herbs on hand, as well as a large selection of shelf-stable items will allow you to be frugal with your food expenses. When the allure of your own home cooked meals outshines the convenience of a mediocre meal at a restaurant, it's very easy to economize. So practice good pantry management. If there's an ingredient that you really enjoy using, make sure you always have it on hand. You will find myriad uses for your favorite ingredients if they stare you in the face whenever you open the fridge.

My favorites include Italian parsley, heavy cream, and fresh ginger. Stored properly, these items will keep for weeks. And though they might not all go together, any one of them would make an excellent addition to soups, noodle dishes, meats, sauces, even baked items. Plus, they all have the ability to jazz up leftovers. There's never any risk of these items going to waste in my home.

When considering buying a perishable item, ask yourself if there you can think of a handful of ways of using it up. What's your contingency plan if it starts to spoil? Spoilage is less of an issue with shelf-stable items, but ask yourself how you're going to use something before you buy it anyway. If it's something so specific that you only know of one way to use it, consider carefully. Will you really use this item up? If not, think of something else to make for dinner.

Frugal Philosophy - When You Feel Punished

Frugality gets a bad rap from many people today. Too often it is seen as stinginess, or indicative of poverty. Those who are forced to abruptly change their spending habits by financial difficulties are especially apt to feel that frugality is synonymous with deprivation and unhappiness. Yet those who embrace frugality as a voluntary lifestyle don't see the practice in this light at all. Those voluntary frugalites have attitudes that might mystify those who come to frugality through necessity. So for those new to frugality who are feeling deprived in an unfamiliar lifestyle, I offer these ideas.

Try to look at frugality not as a punishment or as a penalty for lack of savings in the past. Instead, look at it as a challenge, a game and a choice you have made for yourself. Because even when money is scarce, it still is a choice, isn't it? You're choosing to live responsibly: within the means you now have, rather than racking up credit card debt you can't repay in order to live your former life.

Look for little ways to economize. Pat yourself on the back when you find each way to stretch a dollar a little further, to get by with a little less. Everyone is different and will find different ways of conserving their hard-earned money. Many aspects of a frugal lifestyle truly do allow you to live well on less. Comparing prices and buying in bulk saves you money without requiring you to go without. Learn some new recipes built around cheap ingredients. There are plenty of frugal meals that have no taint of deprivation about them.

Remember that a lot of people who live the way you used to have very little money in the bank. They look like they're rich and they behave as if they are, but in reality they're not rich (and never will be) if they're not saving. Only a tiny number of people, the multi-millionaires, can act rich and be rich at the same time. A lot more people can choose between looking rich and eventually being rich. And then there are those who can't choose at all and will never be rich. You may yet end up in the middle with a lot of the rest of us.

Look at your new lifestyle as an opportunity to teach your kids to do better than you did. Model frugality to them, talk to them about it frankly, so that they might avoid the patterns you followed earlier. Parental behavior is an enormous influence on children. You might not think your children listen to you, especially when they reach the teenage years. But they are assuredly watching you and learning from what you do. The most powerful lessons your children will learn are when your actions match your words. Challenging them to rely on their creativity and industry, rather than on expensive conveniences, will provide them with invaluable skills for their early adult years when their incomes will be modest.

A good way of thinking about expenditures is to ask yourself whether a brand new gadget is really worth 10 times as much as the same gadget bought used at a yard sale or thrift shop. Sometimes, we really need new things. No one will tell you that a used toothbrush is a good buy. But clothing, toys, furniture and tools can often be had for a fraction of the price of the new item. And often in excellent condition. Well made furniture will last more than a lifetime if well taken care of. The same can be said for most metal tools. It takes an investment of time to collect what is needed from yard sales and consignment shops. So try to see the time spent as a bonus: free entertainment and recreation.

Most importantly, when money is tight, try to retain a positive outlook. Don't beat yourself up over the past and don't despair for the future. You may have made less than wise choices with your money in the past. But every little step you take today to work your way out of debt, and to spend your money carefully means a better future for yourself and your family. Each little effort adds up. It really does!

Scrounging Money Around the House

For me frugality is a means to an extra principle payment on the loan we have for our vacant land where we plan to build a log home for our retirement. This mortgage has the higher interest rate of our two loans, and it's the property that means the most to us. So every nickel I scrape up is earmarked for that purpose. The extra principle payment is why I don't drive my car more than a couple times per week; why I keep the thermostat set at 64 during the day; why I'm selling our extra stuff on ebay, and looking for any possible way to cut expenses.

Recently, I discovered a bag of money just sitting in our home office. It contained not American greenbacks, but a large variety of foreign coins and bills we'd collected over our pre-mortgage years of vigorously decadent travel. I opened it up and sorted through the bills, some of which were for obsolete European currencies replaced by the euro. There were Australian dollars, Hong Kong dollars, Iranian rials, Estonian kroner, Finnish marks, Venezuelan Bolivars, New Zealand dollars, Russian rubles, Swedish kroner, British pounds, Irish pounds and Italian lira. I didn't even bother trying to sort the coins.

After sorting through the paper money, I called up my wonderful bank, USAA, and asked about depositing foreign currency in my account. They said they'd take everything but the Iranian rials and the expired European currencies: the lira, Irish pounds and Finnish marks. Best of all, they wouldn't charge me a currency conversion fee. Yet another reason why I love USAA! Running a few quick calculations on the exchange rates, I estimated that I'd just scrounged up around $250 towards next month's extra principle payment. That felt great! It may be a drop in the bucket, but it all adds up.

I was a little sorry to see the Estonian currency go. It's among the prettiest I came across in my travels. And also a little disappointed that we'd hung on to the old European currencies long enough for them to be worthless today. I have no ideas about how to cash in foreign coins. I'd probably do it if there was a somewhat easy way. In the meanwhile, the coins are fun for my nephew to play with, and they're nice mementos of our travels. We might see about selling the Iranian rials to some Persian acquaintances of ours who occasionally travel back to that wonderful country. We'll keep at least one 10,000 rial note as a souvenir. The rest would only be worth around $9 anyway.

At some point, I'll tell you about USAA and why you should definitely do business with them if you're eligible.

The frugal mindset

I'm not sure that I've said this before on this blog, but a frugal way of life crept up on me. Though the decision to start conserving money as much as possible was a rather abrupt one (we took on two mortgages nearly simultaneously), the ways in which I practice frugality have evolved over time. I don't think I obsess about money, but I do recognize that there are lots of things I now do that have an ingrained and unconscious character about them. At the same time, there is a mindfulness about the way I live that helps me conserve tiny amounts of money all the time. Here are a few examples.

I often eat my lunch, or even dinner off the same plate I put my breakfast on. A few crumbs from my toast and a smear of butter or jam doesn't seem that worrisome to me. I can eat my sandwich off that same plate and fill the dishwasher up a little more slowly.

I save any full-sized sheet of white paper that arrives in the mail with only one side printed on. More often than not, what I need to print out is for personal consumption and use only. So I don't care if there's something random printed on the back. This was even more useful to me when I was in school and needed to proofread term papers before turning them in. Also, unless there's a good reason for doing so, I always print stuff out on the lowest quality print setting. It's called "draft" on my computer. This uses less ink, so I get more mileage out of the cartridge.

I don't like to throw things away that might have some use left in them. Granted, this attitude could contribute to pack-rat accumulation if left unchecked. But I've found that by giving myself a little time to mull it over I often come up with good uses for things that would otherwise be tossed. I also don't like paying for disposable items, particularly when there's a free alternative. Pages ripped from an old phone book work well for cleaning glass in place of paper towels. They are nicely sized and free. They're also the perfect size for wrapping up tampons or sanitary pads, in place of toilet paper. Plastic produce bags can stand in for plastic wrap in many cases. Brown paper grocery bags and newspaper are absorbent enough to drain bacon or other fried foods on. Use the stuff you get for free instead of something you have to pay for. I'm currently saving up wine corks in order to duplicate a lovely large bulletin board made entirely out of used wine corks.

I like to feed birds, but I don't like paying for birdseed. So I actually save crumbs from the bread we slice at home, along with any seeds from store bought crackers that accumulate in the container. When the crumb bag fills up a bit, (and it does so surprisingly fast) I mix the crumbs and seeds with reheated fat saved from cooking meats. When it's cool enough, I gather it into a ball inside some wax paper and then put it in the freezer. Once it has solidified nicely, I unwrap the ball of fat, seeds, and crumbs and put it into a mesh onion bag and hang the bag from a tree outside our living room. The birds cling to the bag while they feed. I love to see them eating things I would just have thrown away otherwise.

I re-wash and re-use my ziploc bags and my aluminum foil until they fall apart. I see no reason to get only one use out of these items, except where raw meat is involved. I now know that heavy-duty aluminum foil is worth the slightly higher price because the extra thickness allows it to stand up to repeated washings. I'm beginning to grudge the use of plastic wrap because I haven't figured out a way to either clean it or store it after the first use.

All my task lists and grocery lists are written on junk mail envelopes.

A cup of tea warms me better than cranking up the thermostat. I routinely dress in warm layers during winter. But when the thermostat is set to just 64 degrees, sometimes I feel chilled anyway. If it's not time to burrow under the covers for a nap, I've found that just a warm cup of tea can take the chill off my bones for an hour or more. I've also left pots and pans around to be cleaned on cold days when I know that my hands are going to need warming at some point through the day. Spreading the cleaning chores out over the day gives me a tool - physical exertion - for keeping warm. In hot weather, I plan physical exertion, especially outdoor exertion, for first thing in the morning or late in the evening.

Sweating the small(er) stuff

I've mentioned Amy Dacyczyn's wonderful Tightwad Gazette on this blog a few times already. Her collected books were the perfect fulcrum for shifting my viewpoint to a more frugal mindset. Most of all, she assured me that it was okay to "sweat the small stuff." More often than not, the thousands of tiny economies we could be practicing are pooh-poohed by both spendthrifts and frugalites who are more "big picture" types.

But the philosophy to be found in the Tightwad Gazette struck home for me so profoundly because Amy Dacyczyn's family and mine are similar in a financial sense. I'm not raising six kids on a single modest income, as the redoubtable Mrs. Dacyczyn did. But I am free of credit card debt and other crippling sea-anchors that so many other households struggle with. I don't worry about meeting my basic needs from paycheck to paycheck. I've never had a financial, life-altering crisis. I really admire those who labor long and hard to get out from under mountains of debt. But I'm not in that position, so I come to the frugal lifestyle from a different place and with a different perspective.

Still, I hope that my experiences and my advice can be of use to a wide variety of people in a lot of different circumstances. Today, I'm going to focus on some tips for energy efficiency that can be of use to new homeowners and other money-saving tips for those who are just breaking free of debt other than the home mortgage. Credit card debt is obviously the single highest priority for those trying to make it into the black. If you're still carrying a balance on credit cards or other loans, I would urge you to skip these most of these tips (because most of them are going to require some outlay of money) and instead make a higher monthly payment. But if you've finally arrived at the point where your car loans, your credit card debt and your student loans are things of the past, congratulations! There must be a symphony of emotions for people in such a position: euphoria, pride, relief, gratitude, giddiness. And this is where I step in with some grounding, no-nonsense suggestions on how to use some of the money you've been putting towards paying down the debt each month, now that it's gone. Implementing these suggestions will cost money, but it's money that will be working for you for years to come. If the monthly surplus you have freed up by eliminating debt is tiny, then choose the cheapest of these tips to make a start. In time, the savings from each tip will snowball into a larger and larger saved amount, which can then be plowed back into more expensive cost-cutting measures or an extra principle payment on your mortgage. So dig deep and find the money to do these things early on.

• Change out your regular light bulbs for compact fluorescent bulbs. These bulbs are more expensive than incandescents, but each one will save you 50 cents per month on average. If money is tight, buy just a few bulbs and put them in the lights you use for the most hours per day. Add more compact fluorescents as your budget allows. Do not install a compact fluorescent bulb in any light that is on a dimmer switch. The bulb will get burned out in seconds and you'll have wasted the money spent.

• Insulate your hot water pipes and your hot water storage tank. Long tubes of foam pipe insulation are cheap and easy to install. If money is really tight, start with the tank itself and the pipes in unheated spaces, closest to your water heater. Be sure to measure the diameter of your pipes and buy the smallest tubes that will fit them. Also be sure not to cover the thermostat on the tank.
  

• If you rely on forced air heat, make sure your ducts are well insulated. You can lose as much as a whopping 60% of your heated air if your ducts are passing through unheated areas of the house. You may need professional help to insulate and/or repair damaged ducts. But if you're relying on this form of heat, it's well worth the investment.
  

• Check your outlets and light switches that are mounted on the exterior walls of your home. Remove the plate covers and see if there's a piece of foam insulation there. If not, buy some and install them.

• Wash all your clothes in cold water. If you're not satisfied with the results, use an overnight soak before returning to a hot water wash. The average load of laundry run on a hot cycle uses 32 gallons of heated water, compared to 20 gallons for a hot bath. If you've been washing in hot or warm water out of habit, give the cold cycle a try and see if you can really tell the difference.
  

• Buy some clothespins and rig up a clothesline inside. You can use it anytime, despite rainy or cold weather. On average, it costs 50 cents to dry a load of laundry, and more if your dryer is electric. If your family goes through just two loads of laundry per week, that's $52 per year. No excuses here. There are plenty of suitable spaces for a line or two in most homes. Consider the attic or the basement if space is really tight. I have two 7-foot lines, one above the other, just inches from the wall in my small laundry room. I also hang socks and underwear right off the edge of my rubber-coated wire shelving in the laundry room. A collapsible drying rack handles the rest. If you can't abide scratchy towels or clothing, it is permissible to put the dried towels in the dryer on "air fluff" (or whatever the unheated cycle is called on your machine) for 5-10 minutes. That's really all it takes to soften fabrics up. So long as the clothes are already dry and you use the unheated cycle, the dryer will use an acceptably minute amount of energy.

• Add insulation to your attic if it needs it, and it probably does. Heat rises. So a poorly insulated attic is the equivalent of an open door during the wintertime. Same goes for crawlspaces. Though the expense is higher than for many simple fixes, this is one of the most cost-effective investments you can make to improve energy efficiency.
  

• If you live where the summers are hot, install an attic fan to vent hot air. These can be hooked up to sensors that only turn on when the space reaches a certain temperature. They can make an enormous difference to the overall temperature of the house, and thus to your cooling bill.

• Check with your local electric company about a home energy audit. Many utilities offer these for free. Heed their suggestions as your budget allows.

• If you rely on window unit air conditioners to cool your home in summer, place them on the shady side of your home. Or plant a fast growing shrub where it will shade the air conditioner. This also applies to condensers for central air conditioner systems. Operating in the shade can increase the efficiency of the unit by as much as 10%.

• Air dry your dishes, either in a drying rack, or by not using a heated drying cycle on your dishwasher. If you can time it right, the dishes in a dishwasher will still be hot enough to dry very quickly if the machine is opened and the racks pulled out for better air circulation.

• If you're going to be living in your home for years to come, consider replacing your windows with newer high efficiency models. Windows are often the biggest culprits in heating loss during the winter, losing as much as 25% of the heat in the home. Be sure to run a return-on-investment analysis if you don't plan to live in the house for years to come.
  

• When it's time to replace a major appliance or furnace, buy an EnergyStar rated model.

• Install a programmable thermostat, especially if you are out of the house for hours each day.
  

• Plug your electronics into power strips with on/off switches. Turn off the power on each strip when you're not using the appliances plugged into it. TVs, VCRs, DVD players, digital projectors, kitchen appliances and stereo equipment all continue to draw power when they are turned off. In fact, on average an astonishing 75% of the energy these appliances draw is consumed when the appliances are not in use. Power strips eliminate this problem by cutting all power to our gadgets.
  

Most of these tips involve a once-and-done monetary investment. Pick and choose among them according to the budget you must operate within. As the small savings accrue, you will be able to afford the more expensive investments.