Beating Broke

Personal Finance from the Broke Perspective

  • Home
  • About
  • We Recommend
  • Contact
  • Privacy Policy

Powered by Genesis

Search Results for: budget

Frugal Sack Lunch Ideas for Kids

October 29, 2017 By MelissaB 2 Comments

When we send our kids to school, we want them to receive the best education.  Having a healthy lunch to eat is a big part of that. But, if you choose to buy convenience packages of snacks and desserts as well as lunch meat, sack lunches can quickly become an expensive endeavor over the course of a year. Especially if you’ve got a hungry teenager. If you’re looking to curb costs, consider some of these frugal sack lunch ideas.  Mix and match to make tasty, healthy, low cost lunches for your kids all day long.

Protein

  • Hard boiled egg(s)
  • Peanut butter (Use it on celery sticks, as a dip for veggies, or on a sandwich.)
  • Cheese (Make a cheese sandwich, or serve separately.)
  • Hummus (Use as a dip for veggies and crackers.)
  • Yogurt (Try yogurt covered frozen blueberries for a less messy option.)
  • Leftovers (Use leftover meat from dinners to supply protein like chicken, beef, etc.)
Frugal sack lunches
Good food = good students

Fruit

  • Apple slices (Slice your own apples and dip them in a bowl with water and a bit of salt.  They won’t brown and you’ll save a lot of money compared to buying already sliced apples.)
  • Clementines (These can be put in whole or peeled and separated for younger kids.  Their small size makes them a perfect lunch box fit.)
  • Grapes
  • Dehydrated fruit such as berries, cherries, etc.  (A little goes a long way here, so you’ll only need a few.)

Veggies

  • Carrot sticks (Don’t buy baby carrots at the store; buy carrots in bulk and peel and cut them yourself.)
  • Celery (Serve plain or with hummus or a nut butter.)
  • Cucumbers

Grains

  • Tortilla chips.  (These are an excellent frugal option, and they can be more filling than regular chips.)
  • Homemade granola bars.  (Make them yourself and fill them will healthful ingredients like nut butters, oats, and dried fruit.)
  • Muffins.  (Muffins can be a sugar trap, so focus on the healthier recipes that are naturally sweetened with fruits.)

Where to Buy Your Ingredients

We’ve found that the best place to buy lunch ingredients is at big warehouse clubs like Sam’s or Costco.  For instance, at Costco, you can buy a 10 lb. bag of organic carrots for $5!  Or, you can buy a big bag of potato chips for less than $4, which is much less than you’d pay at the grocery store.  You just need to take the time to bag these items in individual portion sizes.

Save Time By Preparing Ahead

If you look at the suggestions above and think there’s no way you’d have time to prepare a lunch from scratch every day, especially if you have multiple kids, you’re probably right.  Most of us don’t have that kind of time early in the morning.

Instead, prep all of the lunch ingredients for the week on the weekend.  Have them all packed and ready to go in the pantry and the refrigerator so you or your kids just simply have to grab them and pack them in the early morning rush.  Or, to be safe, prep on the weekend and prepare the lunches every night so you just need to grab them from the refrigerator in the morning.

Feeding your kids a brown bag lunch can be affordable. . .if you choose the right ingredients, and use these frugal sack lunch ideas.

How do you save money on your kids’ sack lunches?

 

Filed Under: Children, Frugality, Married Money, Saving

How I Plan to Have a Low-Cost Christmas

November 29, 2016 By MelissaB Leave a Comment

Every year, more Christmas expenses seem to crop up than I have budgeted for.  Typically, our budget can handle the extra strain, but this year is different.  This year, our central air conditioner unit needed to be replaced, and we’re on a mission to pay off the loan as soon as possible.  That means this Christmas I have to be smarter with my spending, and I have to spend less than I usually do.

I have a plan to reduce my Christmas expenses without skimping on my kids’ gifts, but to be successful, I have already started my holiday shopping even though Christmas is months away.  Here’s my plan:

low-cost Christmas
Plan a low-cost Christmas

Take advantage of coupons.  I am on several e-mail lists for different stores.  This weekend, Michael’s sent out a coupon for 70% off one regular price item.  I will be going to Michael’s and using this coupon to purchase a Christmas gift that I’ll tuck away.  Any time from now until Christmas that I see high value coupons, I’ll take advantage of them to buy a Christmas present at a fraction of the cost.

I’m making some gifts.  Last year, when fleece was on clearance after Christmas, I bought some to make blankets for each of my kids.  I have made one blanket, and I’ll be making two more in the next few weeks.  These will be one of their presents.  I also plan to make some doll accessories for my daughters with fabric I already have in the closet.

I’m saving credit card rewards.  Starting in August, I let my credit card rewards accrue.  Right now, I have enough for $50 cash.  By the end of next month, I will have enough for $100 cash.  By Christmas, I hope to have $150 cash.  I’ll save that money and use it in December, especially close to Christmas when retailers discount products that they’d like to sell for the holiday.

Entering giveaways.  When I have time, I’m entering giveaways for prizes my kids would like for Christmas.  I’m not really banking on this strategy, but if I do win, that helps me round out my Christmas stash.  Last year I won a game for one of my children, and a craft set for another.

Using Swagbucks.  If you are a member of Swagbucks and you sign up for all of the different programs and offers, you can accumulate Swagbucks quickly.  However, I just use Swagbucks for Internet searches and answering the daily poll and getting secret codes, so I earn a bit more slowly.  Still, I expect to have enough Swagbucks to redeem for $50 in Amazon gift cards by Christmas.

If you plan to use this strategy, you’ll need to strategize because you can only get one gift card per month.  You’ll have to plan ahead and cash out month-by-month so you’ll be able to access your points.

What strategies do you use to save money on holiday gifts?  Do you also start buying Christmas presents in the fall to save money?

Filed Under: Frugality, Saving, ShareMe Tagged With: christmas, gift giving, Giving, holidays

7 Ways to Save on Your Thanksgiving Celebration

November 5, 2016 By MelissaB 1 Comment

Thanksgiving is a wonderful time to celebrate, spend time with family and friends, and eat delicious food.  After all, on this holiday, food is front and center.  Yet, preparing for a Thanksgiving dinner can create quite a strain on the wallet.  The average family spent approximately $50.11 on Thanksgiving dinner in 2015 (WGN).  That’s quite a bit of money to spend on one meal.

However, there are ways to trim corners without sacrificing quality.

Have a potluck

7 ways to save on thanksgiving
Have a frugal Thanksgiving

If you’re inviting family and friends, consider having a potluck meal.  Ask your guests to bring a dessert, side dish, or drinks.  You’ll have a lavish spread with a lot of variety, but you won’t be the only one paying for all of the food.

Don’t make an abundance of food

At most Thanksgiving meals, the table overflows with food.  Leftovers are abundant.  Yet, many people don’t like leftovers, or, even if they do, they struggle to finish all of the Thanksgiving leftovers before they go bad.  Save money by cutting back on the quantity of food that you make.  You’ll want to have enough to feed your family but not enough that you have leftovers for days. . .and days. . .and days.

Limit your selection of foods

Every family has at least one Thanksgiving dish that no one really likes.  In our family, it’s corn casserole.  Instead of making many different side dishes, decide on just a few that are well loved.

Buy foods on sale

Beginning about three to four weeks before Thanksgiving, start shopping the ads.  Buy the non-perishables that you’ll need as they go on sale.  Each week, allot a certain amount of your grocery budget for Thanksgiving food purchases.  If you decide to spend $10 to $15 per week on Thanksgiving meal foods for the three weeks before Thanksgiving, you won’t feel as much pain at the check out compared to doing all of your Thanksgiving shopping in one week.

Shop around for the turkey

Shop around for the best deal on turkey.  Many grocery stores offer steep discounts on turkeys if you spend a certain amount on your other groceries, say $25 or $30.  Do your regular grocery shopping when you buy a turkey so it’s not hard to find foods to buy for the amount you’re required to spend to get the deal price.

Use a warehouse store

If you don’t have time to shop around, consider buying many of your Thanksgiving meal foods at a warehouse store.  This is especially useful if you’re cooking for a crowd and will need a lot of Thanksgiving foods anyway.

Buy some food for next year

If you have money in your budget, consider buying food for NEXT Thanksgiving after this Thanksgiving is over.  You may find turkeys and other non-perishables like cranberries, stuffing mix, and other Thanksgiving food items on steep discount.  If you put the turkey in the deep freezer, it will be fine to use for next year.  If the non-perishables have a long shelf life, you can keep those in your pantry until next Thanksgiving.

Following these tips, Thanksgiving can be an enjoyable holiday that doesn’t break the bank.

How do you save on your Thanksgiving meal?

 

Filed Under: Frugality, Saving, ShareMe

  • « Previous Page
  • 1
  • …
  • 129
  • 130
  • 131
  • 132
  • 133
  • …
  • 170
  • Next Page »
  • Facebook
  • Pinterest
  • RSS
  • Twitter

Improve Your Credit Score

Money Blogs

  • Celebrating Financial Freedom
  • Christian PF
  • Dual Income No Kids
  • Financial Panther
  • Gajizmo.com
  • Lazy Man and Money
  • Make Money Your Way
  • Money Talks News
  • My Personal Finance Journey
  • Personal Profitability
  • PF Blogs
  • Reach Financial Independence
  • So Over Debt
  • The Savvy Scot
  • Yes, I am Cheap

Categories

Disclaimer

Please note that Beating Broke has financial relationships with some of the merchants mentioned here. Beating Broke may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

Visit Our Advertisers

Need to change careers? Consider an Accounting Certificate Program from WTI.