Frugal Tuesday: Use Dried Beans!

Beans are cheap. Dried beans are cheaper. Like 70% cheaper than canned. And with none of the pesky BPA that lines many cans. Cooked beans can  also be frozen, to make them nearly as convenient as canned beans. If you’ve been putting off using dried beans because you always forget to soak them overnight, you’ll be glad to learn that that requirement has been debunked: you can start with dried beans right from the pantry and have a delicious finished product in 1-3 hours on the stove, depending on the variety. Which happens to be just about the amount of time needed to do a load or three of laundry, so it’s win-win. Or you can use your slow-cooker and come home from a long day’s work to a delicious dinner that’s crazy inexpensive

The Internet abounds with recipes for cooking dried beans, but this past weekend, I used this Tejano Pinto Bean recipe from The Food Charlatan. Actually, I adapted the recipe to use some of the stock I made from our Thanksgiving smoked turkey carcass, which made the beans smoky and awesome, and amazing on nachos!

Do you have a favorite dried bean recipe? Please share in the comments!

 

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Can Two Live as Cheaply as One? An Update

IMG_0720About five months ago, Mr. Vega left his career in sales to become a full-time student. In addition to giving him an escape from burnout and a way to experience  himself and the world in completely different ways, it’s also given us a chance to see if we could really walk our financial talk. We’ve taken great pains over the years to design our life together so that we could manage on one income, but we never had to before.

A full-time position opened up unexpectedly at one of my part-time jobs, so I tossed my hat in the ring for it. I was a little surprised when I was offered the job, which meant taking a 17% cut in my hourly rate, but as with my previous full-time employment, we felt that the stability and benefits outweighed the slightly smaller paychecks.

Several months and a few sleepless nights later, it seems to be going well (except for the normal challenges I seem to experience with full-time work). We’ve reduced our spending and savings rate, averaging about $1300 a month less than we did in the six months prior to my husband leaving his job. We go out less than we used to, and we haven’t been clothes shopping in months, but that’s all right. Like most Americans, we have much more than we need.

Before starting school, Mr. Vega built a raised-bed garden, and screened in our back porch. There are also rain gutters in the garage, waiting to be installed, but whenever he’s been free to start the project, it’s rained! It turns out that being a full-time student is a full-time job, so he hasn’t had the time he hoped he might for projects around the house, but Spring Break just started, so those gutters might finally go up this week… if he’s not too busy partying with his new college friends!

We had a weeklong visit from my husband’s parents over the holidays, and we let them know ahead of time that we wouldn’t be exchanging gifts…. honestly, I think they were relieved! Our holidays were filled with food, laughter, and inexpensive sightseeing around town, so we didn’t miss spending lots of money.

Although we’ve had to reduce our savings rate, we are still managing to contribute 10% of our take-home pay to our emergency fund, which is more important than ever now that we no longer have the luxury of two incomes. Currently, we have enough to go about five months with no income at all, but I’d like to grow that to a year’s worth. We have never had to use our emergency fund, and if that trend holds, when my husband finishes school and returns to work, we would be able to reduce the emergency fund again and have our bathroom professionally remodeled… and maybe take a long weekend away!

So far, it’s all pretty okay. I guess all the work we had done to live beneath our means is paying off… literally!

Have you ever had to– or chosen to– live on a much smaller income than you were accustomed to? How did you handle it?

 

Frugal Tuesday: Celebrate at Home

Mr. Vega and I celebrated our first official anniversary yesterday, having married on last Leap Year on February 29. We had high hopes for an exotic weekend away to celebrate this special day, but we couldn’t have predicted that our fourth/first anniversary would find him in school full-time, and me at a new job with no time off accrued.

Taking a page (literally!) from Gretchen Rubin‘s book, I arose earlier than usual to try my hand at my husband’s favorite breakfast: Eggs Benedict. Not only did Alton Brown’s recipe turn out beautifully in our little hippie kitchen, but Mr. Vega was sufficiently surprised and delighted that the day felt like a success despite our disappointment at not being able to make a bigger deal out of it.

I snagged some opening-weekend tickets to Batman v Superman at our favorite movie theater, and returned home at the end of the day to discover he had surprised me with a potted mini calla lily (my wedding bouquet was made entirely of those flowers!), and a very frugal but also meaningful-to-me gift.

Maybe for our second– or is it eighth?– anniversary, we’ll be able to pull out all the stops, but for now, learning to be happy with whatever life brings us helps us enjoy our special days no matter what our external circumstances are like. And that, more than having tons of money or time to blow, makes us feel richer than anything.

On Self-Reliance

Daisy Luther over at The Organic Prepper recently posted a piece called Self Reliance Strategies for Small Spaces, Temporary Locations, and Rentals, which got me thinking about how the Little Hippie House is doing on that front, and how we might improve. I know the word “prepper”sometimes conjures some extreme ideas, but there are more similarities among hippies, preppers, homesteaders, and even gentrifying hipsters than one might think. Our politics vary widely, but most of us share a vision of being as self-sufficient as our circumstances allow. We’re tired of relying on a broken, profit-based supply system to meet our basic needs, and would rather do it ourselves wherever we can.

Working toward self-reliance serves a variety of purposes, from tiding a household over till payday, to making sure the food you eat is free of toxins, to surviving the zombie apocalypse that even the CDC has (jokingly) acknowledged could happen. And self-sufficiency is scalable: In our 486 sq. ft. apartment, we had a balcony garden for herbs, tomatoes and peppers, about two weeks of water stored, and plenty of beans and grains stored in pretty containers. We knew how to turn off the gas to our apartment building in the event of an earthquake, and we had some ideas about how to evacuate from our city in the event of a large-scale natural disaster or civil unrest (not unheard-of in Los Angeles).

We’re still settling in and working on our self-reliance at our new home in Austin. We’ve planted a backyard orchard with nine varieties of fruit, and our little winter garden was fairly successful. Spring will find us expanding the garden to include warm-weather crops, and doing some edible landscaping out front, and adding rain gutters and barrels for water harvesting. Like California, Texas experiences frequent and severe droughts, so it’s important to us to have a cost-effective way to keep our little urban farm alive when the next one hits. Having been through several job changes over the past few years, we have learned that keeping a well-stocked pantry is nearly as important as our emergency fund, and it also comes in handy when we’re just too tired (or sick) to make it to the grocery store!

You don’t have to be a “crazy prepper” OR a “crazy hippie” to appreciate the security and satisfaction that self-reliance brings. One of the beautiful things about about it is that it’s not limited to preparing for one particular outcome: Maintaining a vegetable garden is just as wonderful when we are living in financial abundance as when times are tight. Being able to water it with collected rainwater benefits the planet and our wallets. Living close enough to bike or walk to work means that we can take advantage of our mild southern climate and stay employed regardless of gas prices or whether our cars are running. And the list goes on.

Which aspects of self-reliance appeal the most to you? What have you been working on lately to increase yours?

 

 

 

 

Frugal Tuesday: Wash Your Hands!

Last week, what I thought were allergies turned out to be a cold. It kept me home in bed for two days, and I’ve been dragging myself through my days ever since. Today, Mr. Vega, who hardly ever gets sick, is also down for the count.

So it seems like a good time to review a basic healthcare practice: hand washing. It’s not something we think much about… We either do it or we don’t. Most of us do, but probably not as often as the CDC recommends:

  • Before, during, and after preparing food
  • Before eating food
  • Before and after caring for someone who is sick
  • Before and after treating a cut or wound
  • After using the toilet
  • After changing diapers or cleaning up a child who has used the toilet
  • After blowing your nose, coughing, or sneezing
  • After touching an animal, animal feed, or animal waste
  • After handling pet food or pet treats
  • After touching garbage

They don’t mention one of the dirtiest things we own, that we are touching constantly with our hands and our faces: our cell phones. You don’t even want to know what scientists have found on them, but if you’ve ever taken your phone into a bathroom, you can probably guess. Sanitize your phone case often and wash your hands as frequently as if you were touching a public restroom handle!

The Center for Disease Control also recommend washing your hands for at least 20 seconds, a time that many of us fall short of. Whether the water is hot doesn’t matter, because if the water were hot enough to kill germs, it would also be hot enough to give you 2nd or 3rd degree burns. What matters is soap, friction, and time.

Frequent and thorough hand washing reduces the spread of illnesses such as colds and diarrhea, especially in people with weakened immune systems. And avoiding missed work days and doctor visits is always a frugal win in my book.

Frugal Tuesday: Start Your Seeds!

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It’s that time again, in most of the northern hemisphere… If you haven’t already, grab a shallow container, some lightweight growing material, and some seeds and let’s get growing! Of course, you can always pick up some seedlings at the nursery in a few weeks and start your gardens that way, but several packets of seeds usually cost less than a couple of baby plants. By starting with seed, you can get a lot more for your gardening dollar… and did you know that you can buy seeds and plants with food stamp benefits? That’s right: Food stamps grow gardens!

We are not the most masterful gardeners here at the Little Hippie House, but we do know that the more you do it, the better you get. And so we’ve started seeds for two kinds of tomatoes, hot and sweet peppers, and eggplant. Everything else, we can sow directly into the garden after the season’s last freeze.

What’s in your gardens this season? Are you growing anything from seed? 

 

It’s Time: The Grocery Price Book

I first read about grocery price books over at The Simple Dollar, years ago. Not being into spreadsheets… or math… or shopping, it didn’t seem to me to be a terribly sexy project. The other ways in which I managed to trim my expenses were successful enough that I usually had enough room in my food budget to buy whatever I wanted whenever I wanted without much thought. When Mr. Vega and I began to focus more on whole, real, organic foods, our grocery bills went up, and I just felt happy that we could afford to eat the way we wanted to. After all, we were debt-free, saving for a house, and even had money left over for travel and fun.

Since my husband traded his full-time sales job for life as a full-time student, however, we’ve had to tighten our belts a bit. In January, we managed to wrestle our food expenses down to just over half of what we’re accustomed to spending… mostly by eating out much less than we had been. Also, one of my favorite bloggers, Brandy over at The Prudent Homemaker, is diligent with her food expenses: She keeps a detailed price list of food she buys to feed her family of nine, and her monthly shopping lists are terrific guides to seasonal low grocery prices. Simply following along and stocking up on some things when she does has been tremendously helpful!

But each home is different, and no one solution works for everyone. Our household in Austin, Texas, comprised of two adults with full-time outside commitments, two cats, and a nascent garden, is quite different from hers in Las Vegas with seven children, a work-at-home spouse in addition to a full-time work-outside one, and an abundant home garden that is the result of several years’ worth of effort. And both her home and mine will be different from yours, with your brand-new baby, or giant dogs, or busy travel schedule.

And so the time has come for me to buckle down and invest a bit of time and energy into learning exactly what our most-purchased items usually cost, what a good deal really looks like (because fifty cents off sounds great, but what if it’s normally sixty cents cheaper at the store down the street?), and seeing how much more space we can get in this recently-contracted budget of ours.

I’ve sorted through our shopping lists, and created a spreadsheet on Google Drive listing sixty items we purchase regularly (conventional wisdom suggests starting with a list of 15-20 things, but once I started, I kept thinking of more!), and I’m actually looking forward to learning where the best prices are and seeing how much money we can save. Grocery store sales generally run in 8-12 week cycles, so I reckon it will be Spring by the time I have a good handle on this, but check back and I’ll share how it’s going!

How do you keep track of grocery prices in your area? What patterns have you noticed?