Worth Sharing This Week: October 26 - November 1



Thefrugalgirl had an interesting article this past week in which she asked the question: Would you rather be good at saving or good at earning a lot of money?   I know what my answer would be and wasn't surprised to find she had a similar opinion.  Her reasoning was: If you are good at saving, then even a little can become enough.

Now John is always saying to me, "You can't earn $100 and spend $101..." and he's soooo right.  This year we've experienced a season where we've consistently spent a little more than he's earned most pay periods.  This was true mostly because I insisted upon continuing to put money into savings despite having a higher pay out each payday.  My reasoning was that once money goes into savings I am so loathe to spend it for any purpose except why it was set aside that I knew it was truly SAVED.  



I have since had to change my thinking as I realized that we've had less income as well.  Obviously if we have a higher outgo and a lower salary, too then something else must be trimmed.  And since outgo couldn't be trimmed further, savings had to be it.  However, had I not been well trained at savings, we'd have spent a LOT more than he's earned and we'd not held steady  on those occasions when he brought home a little more.  

So yes, for my part, I'd rather be skilled in saving and generating savings.


I find some of the quotes on Frugal Measures very motivational.  The quote Becky shared this week made me chuckle on two counts.  "Many more could ride out the storm-tossed waves in their economical life if they had a year's supply of food...and were debt free.  Today we find that many follow this counsel in reverse: they have at least a year's supply of debt and are food free." ~President Thomas S. Monson

First, I chuckled because I am so grateful for our pantry which has seen us through two tough years and supplied another household or two at times.  Yes, I do spend grocery money but have lowered my grocery budget  steadily over the last two years and we still have a good supply of food on hand.  

I recently watched an episode of The Marvelous Mrs. Mazel in which Midge and family left a restaurant before their meal was served and once home, scrounged for food.  Walnuts in shell, questionable containers from the fridge, a box of stale cookies were what they pulled out...I find myself completely baffled by this, I confess it and yet, I know there are many who do eschew having any sort of food storage.  Admittedly they lived in New York City and Rose, Midge's mother, had lived in Paris.  I should imagine that shopping daily was her habit.  However, one does not shop daily when one lives in the country!

Second, I chuckled because  I have reassured John  several times over the past two weeks about our future financial lives and always ended with the words, "and at least we are debt free!"


In every home of mine, you may be sure you'd find at least one floral picture upon the walls.  I just love flowers and since I don't grow many of my own, and can't always manage fresh cut flowers in my home, I hang florals on the walls...


                                                      by Henri Fantin-Latour (1889)

I found this picture on Jenny's blog.  Isn't that picture of Hollyhocks just lovely?  I confess I thought it was a photo but I soon realized it's a painting.  Henri Fantin-Latour, the artist, was born in Grenoble, France, and  was a contemporary of Impressionist artists Whistler and Manet.  It was Whistler who introduced his works for sale in England and Fantin-Latour's art sold so well that his work was virtually unknown in his native France.  He also did some portraiture work and developed lithographs based on works by classical composers.  But his best known work was his very realistic floral compositions such as the one above.

It was apparently an artsy sort of week...On another blog I found this image:
                                                    Autumn by Edward Atkinson, Hornel

Hornel was a Scottish painter, known for landscapes, florals and portraits, often with children.  His work is absolutely beautiful and so lovely in it's tapestry-like colors.

I confess to wondering if the children in the above picture are  the least bit damp lying there...It appears to be right level with the water doesn't it?  I imagine the ground there as being rather marshy.  But aside from that bit of motherly wondering, the foreground of leaves is so lovely that I can just imagine a really beautiful carpet that looks much the same, can't you?  And isn't there something just intrinsically dreamy about the whole thing?

Incidentally you should really check out other works by Hornel.  Summer Idyll is very nearly the same scene in summertime...Just lovely!


From Susan Branch's blog  a bit of good advice to slow down and appreciate the season:  "Our world sometimes feels upside down, we can feel overwhelmed by daily happenings.   Making ends meet, meeting the needs of our beloveds, drains energy, there's no rest for the wearied or worried!  Dreaming of a better tomorrow?  Let the things you value in life shine through, family, friends, the little things that make life sweet.  Do stop and smell the flowers, run and catch a leaf in mid air.  Watch an old movie with your petty pet.  You'll feel better fast, I promise."



Layaway is becoming more popular once more.  I personally have no problems with layaway at all...It's preferable to a big credit card bill and immediate outlay of money.   Gracious my children would have missed Christmas hadn't it been for Walmart and Kmart layaways!   I stumbled upon this guide to stores with layaway.   I was interested to note that  TJMaxx and Marshall's have layway in some stores.  Happily the TJMaxx nearest my home is one of those that do and I shall certainly be looking at that store in the future with a more open mind.  How often have I passed up some lovely item that would make a wonderful birthday gift or even a piece of furniture that was just what I wanted but couldn't afford just then only to find it gone when I returned?  Yes, I do like layaway!



It's a very simple recipe I share with you this week.  Now that the local grocery is under new management I'll run in there more often to purchase certain cuts of meat like cubed steak and some roasts, which are often better priced there than in Aldi.  However, John asked for cubed steak not too long ago and I bought it at Aldi.

Now you all know I like Aldi wonderfully well, but the cubed steak has been a small disappointment in that it can be grizzly at times or chewy at others.   I have had a sore mouth (jaw out of alignment and teeth grinding) and was reluctant to eat a chewy bit of meat.   I recalled a recipe I'd seen on Pinterest for Cubed Steak cooked in the crockpot.  I decided to try that and I'm pleased as can be with the results!

Easy Crockpot Cubed Steak:  I'm not going to write this out in recipe form, because it is genuinely so easy to make.  It takes pantry staples and that's it.   I put one package of cubed steaks in the crockpot, then sliced over it 1/2 of a large onion.  Then I poured over the top of that 1 package of onion soup mix, added in a half teaspoon of minced garlic and about 1 cup of water.  I cooked this on HIGH for about 5 hours.  I removed the meat and most of the onions, poured the broth into a small saucepan and thickened it with cornstarch.   This was absolutely delicious with mashed potatoes.

John said he'd like to have it again, and that's a recommendation if you needed one, lol.


 I was looking for photos of three of the youngest grands dressed in their costumes and stumbled upon this photo of the same mustard shirt I'd shared yesterday with a heavy challis shawl that I hadn't featured.  This one piece gives me a possible 2 more pairings (with blue jeans or olive drab pants) to add to my pretend 'capsule' wardrobe.  I've paired it with a heavy turquoise necklace bought at a thrift shop or might also use the purple bead necklace bought from a clearance display a couple of years ago.  I've had to the shawl forever, well over six years I think.

                         Katie's little princess here.  Her daddy does her hair every morning.

Josh has a Flash Gordon obsession going on at present...And Isaac is all about being a Do Rawr.  You can see Bess' baby bump is well developed.


This week's movie recommendation: "The Water Diviner".  No nudity, no horrible language, no grizzly scenes.    Stick with it through the rather disjointed beginning.  It's well worth seeing.


Wise economy: a rather good lot of sales at Publix of buy one get one free items.  I stocked up on cold remedies and pineapple juice;  a pricey chicken pot pie that worked out to just  over $1 each for  nice meaty pot pies (sold in 4 packs) that  I'll share  with Katie further down the road and have some for easy meals for myself; cat food; Hershey's chocolate syrup for about the same price it would cost me to make it myself; and decaf coffee.   All food items are good pantry/freezer staples.  I also bought discounted Halloween candy, ghost shaped marshmallows (which melt same as traditional shaped and are set aside for Thanksgiving Sweet Potato casserole).   I won't be buying groceries this coming pay period and so I went ahead and purchased apples, bananas, and lettuce.  We have plenty of everything else on hand.


Don't forget that this weekend we 'Fall Back' with time, if you live in one of those states that participates.  We do.  John will be returning to work on Sunday and I told him my consolation is that at least we get that 'extra' hour of sleep.

Have a lovely weekend!

12 comments:

Anonymous said...

Hi Terri! Just a quick note to say hello and tell you what a happy surprise to see your newest post. I agree with you in that I'd rather be skilled in saving than generating savings. Although... to be skilled in both would be my ideal! :-).

I've been reorganizing my long term pantry lately and taking inventory. Like you, I'm a firm believer of having a well stocked pantry and feel that is a lot like socking away savings. It makes me think of that old Campbell's soup commercial "Campbell's soup in the cupboard is like money in the bank." That said, I don't really like some of the ingredients in some of their foods but the point is still the same haha!

We have learned more about the upcoming retirement changes at Mike's work and it seems that it shouldn't affect us too much and the numbers come out to his not retiring early. At least at this point! That is kind of a relief in that it allows us to do a more thorough job of researching and planning properly.

I'm off now to relax a bit before bed. Have a wonderful weekend.

Much love,
Tracey
x0x

Kathy said...

Lovely photos! The grands are adorable, and Bess and Sam look so happy. Wishing them all the best.
Thanks for the recipe, it sounds yummy.
I like the quote on saving. Congratulations on being debt free. It is a blessing, isn't it.
Hope you have a blessed weekend.

Tammy said...

We're heading to Sams Club next week to stock up on some staples. I don't have a lot of pantry/storage space to keep much, but it always helps to have the few canned things I use stocked up for the next few months.
This past week I only cooked supper twice, and that was because the kids and grands were here to do Halloween stuff. Otherwise I was gone from home at suppertime and Greg scrounged on his own. This week may prove to be the same as far as my needing to be at work, but I'm intent on better meal planning and prep. That's the key for me.
Love the little costumed grands, especially The Flash. We're big fans here and are almost caught up enough to watch the current episodes. Bradley has mentioned dressing as Flash next year.

Anne said...

I too love flowers and must have them in the house at all times. In spring and summer it's easy enough to clip them from my garden which I can see through the sliding doors of the living room . Otherwise I buy flowers at Costco where they are the cheapest I have found.

As for the walls, they are covered with floral prints and prints of village scenes. Also floral needlepoint.

The last time I had a young clerk helping me chose framing for a custom piece, she asked me how my home was decorated. I told her "1942 English country cottage. ". It's true, but I don't think she understood. 😀

Chef Owings said...

We aren't debt free since last year we bought our forever home to stay out of nursing home as long as possible.BUT
I do have a pantry that should feed us a year or two depending on what it is.

Hubby would tell you that my saving brings more in than my working. Even now with us retired and deciding to not draw SS until we have to. We want to at least have the truck paid down if not off before that time

terricheney said...

Tracey, I agree! I'd love to earn enough to generate a strong savings, too! One of the points made by frugalgirl was that if you were skilled in savings then if earned a large sum of money you'd be wiser in your dealings with it. I think some of these bankrupt famous people who once had great wealth didn't have any saving skills in the first place and so they made unwise decisions and choices without regard to their futures.
So happy to hear that things will fall on the better side for Mike at his job just now. And yes, by all means, start researching now about what your future retirement might be.

Tammy I have a nice sized kitchen but for storage, I use my walk-in closet in the guest room. It could do with some expansion this coming year if I can swing it. I'd like to add another hermetically sealed box and another shelving unit. I'm not keen on storing foods in bedrooms under beds although Amy Dacyzyn did just that at one point in her life. I wouldn't say the guest room closet is ideal either but it's what I have for now. I have this dream of a kitchen pantry or at least a bank of cabinets devoted to pantry but if I should ever get a chance to renovate my kitchen it will be a budget makeover in the same footprint and not likely to include anything extra.

Anne, I was watching Midsommer Murders and one thing I love is looking at 'real' English décor (along with the dozen books I have on the subject). Really it's a matter of mixing old and new and lots of art and flowers and china as near as I can tell...all of which I seem to have in abundance, except the 'new' part, lol.

Juls, It is my hopes we can remain debt free. Our house is one level and should do us into our more senior years, God willing. Our biggest concern would be yard work since John has about three acres to mow. But I don't foresee that being a problem for us yet. I am all for not drawing social security just yet and assured John if he goes to work at another job or part time we shall live off his salary if we can possibly manage it. But that is in God's hands. Men make plans...

Lana said...

We are savers too and debt free. Debt makes me feel like I can't breathe. But, we will have to it short term in order to downsize. I have paintings of flowers that our artist daughter painted. I love them.

Anonymous said...

I have one box that is made to go under the bed. I use it for canned goods. One kind so I know that is where they all will be. Without that I could not keep these things. It slides out easily even full. If I ever decide to do without this I will use it for gift wrapping paper and gifts bought ahead. Our bed is high and it works great and as I said it glides easily to be quickly moved and mopped or to vaccume under that bed. I used it one year under the bed in our one extra bedroom. That year I put the winter squash and pumpkin in it minus the lid. I did it there because that room is the coolest. Plus where else do you put a dozen + winter veggies to store ? :-)

I think your wardrobe pull togethers are wonderful ! ! I wonder what you would find in my closet I don't notice or understand how to pull together ! I have never looked back since you started your wardrobe idea posts. They did enlighten my thinking and I have been dressing up a notch so-to-speak since. I still wear mostly floral tops but have changed up my jewelry and jackets and such. Using the solid colored tops certainly adds to the possibility of changing out all the other pieces to find a new look though.

Will you be able to change over your health coverage during retirement? When my husband retired he was eligible right away for Medicare. I wasn't so I had to find another way to be covered till I could get Medicare. It worked out and I seamlessly went into Medicare with the same doctors and such. Sadly our G.P. doctor retired a year later. :-((( We were his patients forever it seemed. I really am happy he is now enjoying retirement too but we sure miss his guidance and knowledge. Always to keep an ear out for other doctors with like minded thinking as the one you like...in case they leave or retire.

Oh how I do still enjoy any mention of your extended family and grandchildren. It adds another layer and demention to your story and beings a big smile to me. I remember my grandchildren now grown as I hear your's adventures.

Catch any meat sales you can. Farmers say this is the lowest meats will be for a long time. Very soon they will be done culling their animals numbers. Grains are getting too costly and other problems. Pork also coming from China and places that have the swine flu and so many many dying. To get the pork number back up will take 5 years, IF the flu can be conquered. The beef will take 3 farmers are saying. Our freezer decided to conk out so I am now without it. No plans to get another and at this time. I wish I still had one for sure. !! :))) I also kept flour and nuts and such in it too.

I am for saving too. I read Amy. D. say that no matter how much you are frugal there is always a way to do more if needed. I find that true. Like you I search to find new ways to do things. Yes like you, I find they repeat so many basic of the basic ideas so often. But then you find a nugget of thoughts that are new to you and it is a real gem. Why haven't I thought of that or seen things that way before? No matter...I do now!! I find it actually like a game. A bit of fun. A different way of 'getting ahead' than most of the people think of it. :) Well this is getting too long. Been reading but haven't commented lately. Thank you Terry for writing again and the people for helping you get this new computer. Sarah



Anonymous said...

I am selfish. I would like a nice income and the ability to save to! LOL. Fortunately I married a very frugal man who really has few wants and as a new bride wanting to please her hubby I became frugal to. The best part of that was being able to buy a small house shortly after being married and paying it off quickly. After that was paid and we accumulated more savinfs we got a bigger one. He had a nice car that was paid for and as soon as we were married put money aside each pay towards another car so we have never had a car payment. We use credit cards but only ones that give cash back and we draw that out once a year and it goes towards home improvenents. We have paid very little interest and were able to help our 3 kids get good educations and they are all very self sufficient. Kids were always happy with what they had and never expected to be catered to. They all worked at young ages and saved,
Hubby lost his job about 2 years before he could get S S and because we had savings we were okay. After many years of retirement and no pension we are still doing well with our income and always save a little each month. We donate to our church and God has provided for us by giving us the intelligence to manage money well and still enjoy life. When the day comes when we need to sell our home it will provide some rent money for us which is a nice feeling. After my accident this summer my son in law helped us to find a new car and we plan on this one lasting as long as we are driving. Another big plus was we have only ever had one car at a time.
We have no boats, vacation home or fancy dinners out no new wardrobes but we are very content and count our blessings each day. Gramma D








Anne said...

Terri, I was laughing that you mentioned Midsommer Murders. We have probably seen each episode five times and usually remember who the murderer is.

But,like you, I keep watching to see the villages, the cottages and the gardens.

terricheney said...

Sarah, thank you for that report on meat prices. I suppose I'll rely heavily on chicken and ground beef and meatless twice a week then. My medical insurance is through Healthcare.gov and I don't foresee any problems continuing to afford it. Lana, if you are not on any form of health insurance that might be a place to look for yourself.

Anne, we enjoy MOST of the Midsommer Murders shows and often we do guess who is the murderer but now and then we're surprised, lol. But yes, yes, yes, the scenery and gardens and décor are what wows me through every episode.

Gramma D, when John and I bought our home, we bought less house than we actually needed because we were looking ahead and sure enough, five years into being here we'd had three leave home.

Lana said...

Terri,. I have checked that for insurance for me and my premium would be $800 a month. I have insurance throu 5/2020. To continue that one would be $1200 a month. I am not concerned about letting it go since I have training in alternative s and can treat myself for most anything.