Winging it with a meal plan!

You like winging it in your kitchen. You want to meal plan but you hate recipes! No problem.

Meal planning with no recipe

Meal planning is about more than recipes, it is about a lifestyle change. Simplifying your life and making time for you to spend doing what you prefer. It also saves you money.

My Meal Plan
Meal plans don’t have to have a recipe

In a previous blog post we looked at themed meal plans and that is where not following a recipe will fit in. Dinner Theme Meal Planning

Your meal plan template allows you to go to the store and use your imagination for ingredients.

Using a template

If you step into a store with the idea in mind that your main meal ingredient is chicken, you then can decide while in the store or in your pantry what other ingredients you will be adding to make this into a healthy balanced meal.

 

You don’t need to only plan your main ingredient; you can even plan your cuisine. An example of this is Mexican + Meat. Now you can go to the store knowing you want to buy meat and spicy/tomato ingredients.

This method allows you to make use of specials, as well as not buying too much and having it sit in your kitchen and go to waste.

While this is a method I do not think I could use successfully in my home I do think that it would be very successful for single people, college/varsity students and possibly stay at home moms (as an excuse to get out of the house possibly?).

Singles

For single people meal planning can be a little tedious and most have a fairly fluid social life.

This means if you meal plan for more than a week in advance you will likely have food going to waste. Just having your template can work not only for meal planning, but also for your social life.

For example if you have Fish on your template for a certain night, then you can use this to help decide on a restaurant if you are going out for dinner. It can also be used to decide whether it is canned tuna or perfectly seared tuna steaks, whichever you have time for.

College/Varsity

For college/varsity students living either in an apartment with other students or on campus where you only have limited way to prepare foods, then this method will also help with budgeting and saving money.

Having a template and being able to use that to decide on your ingredients will be a big part of your life. Students living in res will usually only have a kettle and microwave and this can to a certain extent limit your options, go online and search for ideas to help you.

Going online to look for microwave recipes will help. Instant noodles are very versatile as a base for some great meals. These can definitely be bought in advance and then dressed up, with ingredients bought fresh on the day.

Choose your flavor of noodle and then add. For example choose a fish flavoured instant noodle meal and add some salmon off cuts and a tablespoon of cream cheese for a delicious supper.

Instant noodles
Buying instant noodles and dressing them up with fresh ingredients is a great way to budget your food bills

For those sharing, it will definitely help you with your food budgets.

Stay at home moms

Staying at home to raise your children is an amazing thing to be able to do. If you are the type of mom who wants to stay at home, and if your finances allow you this option.

There does come a time, however, when even the most dedicated moms need to get out. Going to the mall and buying your groceries can fulfill this need two fold. The first is retail therapy without feeling guilty for spending money; the second is feeding your family nourishing meals.

Shopping without a recipe can allow you to choose ingredients that are versatile in terms of the ages of each family member.

I love hearing how people go about deciding what’s for dinner, so why not let me know how you decided and what methods work best for you?

10 reason to grocery shop online

Here are 10 reasons to grocery shop on line. In June 2015 I started this blog and in the first article I spoke about how much I saved with online shopping.  Nearly 2 years later, I can still say it is worth the hassle.

Yes it was a huge learning curve on how to do the online shopping and still get everything I ordered. I have learned the best days to order, what I can’t order and what I must specify as ‘no substitutions’. The first time was really painful!

1.     You can shop anytime

Our country is held hostage by the taxi drivers, staff at the end of the day are in a rush to get off work so they can catch the last taxi of the day. If you are late finishing work you don’t have to rush to make it before the store closes, because there is no closing time.

Shopping times
Online shopping is 24/7

2.     No rude staff

I have to laugh when I see the signs on the tills that remind staff to greet the customer with a smile. I have seen this very rarely. Customer service seems to be a vague concept that they are taught and then promptly forget. The staff is quite content to carry on their conversation about the evening before, what’s happening in their favourite soapy or how the new ‘protocol’ is unfair or the boss is rude. This is whether the client speaks their language or not.

3.     You can wear your pajamas

There is no dress code. Now I have seen people (mostly women) at the shops in their slippers, hair in curlers and once at my local store a lady in her nightie! I am not saying you must get dressed up and made up to go to the shops.  I know some would disagree, you never know who you might meet! At least in your own home you can happily do your shopping in your skivvies if you want, no one will judge you.

pyjama-shopping
Image courtesy of CSN Media.

4.     Your stuff is safe!

Shopping from the comfort of your own home, means your wallet, cellphone and children are safe. There are no pick pockets or child snatchers around! No worries about keeping your handbag close or people distracting you so their sticky fingers can lift your property.  You don’t have to worry about someone jamming your locking signal and then making off with the contents of your car or even your car itself.

5.     Guilt free parking

Since you won’t need your car, you don’t need change for the ‘car guard’ to help you unpack your trolley or help you reverse out the parking that you got into quite easily on your own.  I don’t always have change as I use my card for most things and then I put that in my phone cover and leave my bag at home. I have a savings option on my card, where the total purchase is rounded up and the difference is put into a little savings account.  Sometimes when I do have some change with me it is only 50c or so and I feel guilty that with my huge shopping trolley all I can give is some tiny change. I did try once to give a guy a can of food and he handed it back to me with a disgusted look.

6.     You save money

One thing about online grocery shopping is that impulse buying is reduced to a minimum. You have your list and you search for those items only.  There are no checkout counters, so no sweets or chocolates to tempt you. You aren’t wandering up and down aisles and taking things off the shelf, because they caught your eye.

Another thing I learned to do is to open the profiles of the stores that offer online shopping and compare prices. You can shop at 3 stores at once (maybe soon other grocery stores will offer online shopping). You get to choose your products and make use of any specials that are offered.

7.     It’s environmentally friendly

When you shop online you have the option of saying no to plastic bags! This not only helps the environment, it helps your pocket too. The delivery arrives in plastic containers, which are then unpacked in your home, no having to worry about carrying heavy stuff or plastic bags breaking.

8.     You can shop in stages

One thing that I am sure has happened to you, I know it has happened to me more than once. In fact it happened just last week. You are in the store and shopping is taking longer than planned. Suddenly you realise the time and you have to be at a meeting or fetch the kids from school, an extra mural or a friend. This means you are either going to be late, not going to be able to complete your shopping or have to abandon your trolley all together and come back another day. You land up with your shopping

Shopping online means when you can come back all your groceries are still in your trolley where you parked it. You don’t have to start again; nothing is going to go off, because it sat in the car while you did lift schemes.

9.     You can take as long as you want

This goes a long with the last point. You can shop in stages. It can be days or weeks. You can add to your trolley anytime you want.  If you log on and add to your trolley as soon as something is finished in your cupboard, you will not leave anything off of your shopping list.

10.                        No children

Shopping with babies and small children can be difficult. Having to push your trolley and control an over tired toddler can cause any mom to have a meltdown. Shopping online means you avoid, cranky, tired children, your own children and other people’s children too. It also means that if it is nap time, you can stop shopping, put your child down for a nap and go back to shopping. There is no nagging for this toy or that sweet. This applies to children of all ages.

Shopping with children
Image from http://whattheflicka.com/tag/shopping-101-guide/

For breast feeding mom’s it means you can feed in comfort while still doing the shopping. No one complaining about you feeding in public, no having to go feed your baby in the public bathrooms either or going to sit in your hot car for privacy and then having people look in your window.

Some smaller stores allow you to phone in your order and they deliver, this is usually the butcher and specialty stores and has the same benefits of online shopping.

Do you online shop and if not, I would love to hear why not?

The restaurant meal plan

Restaurant
Eating in a restaurant can be part of your meal plan

Meal planning doesn’t only have to be meals made at home. If you are in the type of working environment that requires you to eat out, then put restaurant food on your meal plan. Dinner Theme Meal Planning

How does this work?

If for instance you use a meal planning template, this could help you decide what to eat at the restaurant your business meeting is being held.

chicken night
Some chains have healthy option meals

Using my home template, it would mean that if you are going out for lunch or dinner at a restaurant you would then either choose vegetarian/vegan restaurants or a vegetarian dish at whichever restaurants you go to. Monday is meat free in my house.

Mince is the main ingredient on my meal plan template for a Tuesday, so Italian restaurants would work well.

Mince night
Tuesday mince, try Italian

Fish on Wednesday’s, there are so many restaurants to choose from for this option. My advice though is to avoid ordering fish in a steakhouse. They cook steaks; fish is not always their forte except at the very upmarket places.

Fish Night
Some restaurants offer specials on certain days

You can see how this would work for you.

There are 5 benefits to this method.

  1. You can actually stick to an eating plan, by knowing ahead of time what you are going to be ordering. Maybe not the exact dish but an idea
  2. It gives you an excuse to try out new places and new flavours
  3. When you draw up you home meal plan you can adjust the size of your meals to suit what you had at lunch or pack a lighter lunch if it is a business dinner.
  4. It will take you less time to order as you already can cross off certain dishes from your range of choices.
  5. You don’t have to cook! For those who don’t like cooking, this would probably be the best option.

Once again proof that meal planning is not some rigid regime you have to stick to. It is flexible and can fit in with any lifestyle you live.

If you need help getting your meal plans up and running, why not book a Skype one on one coaching session with me? https://calendly.com/adrienne-2/90-minutes

Meal Planning and budgeting: They go together

A meal plan can save you money. If you are budgeting you need to do this

Even if you think you are good with budgeting, you may be wasting money without even realising it.

vegetable specials
Can you use all this?

My first time

The first time I created a meal plan and took the shopping list with me to the store and stuck to it, I spent less than ever. I didn’t have to worry about whether my card would have enough money in or not.

Feel like you are earning more

Since then my saving skills have gotten a lot better, at one time my eldest daughter even asked if we were earning more money. In previous months, by the last 10 days before payday the pantry cupboard, fridge and freezer were ‘empty’ and now there was food to be had all the way through to the end of the month.

More month than money

The truth is that the pantry while on the lean side, wasn’t empty but because there were no meal plans, what was in the cupboards didn’t seem like food, so we ate a lot of pasta in those days.

My very neat pantry
My Pantry cupboard is still the most organised place in my house

Alternative shopping

Literally from the first month of meal planning all that changed. I ‘shopped’ in my kitchen first and did an inventory of what I had. I took this inventory and scoured my recipe books, then stumbled across a site called ‘myfridgefood.com’. On this site you type in your ingredients and it searches the internet for recipes using those ingredients. I then drew up my shopping list for the items I didn’t have.3 Steps to Mastering Your Grocery Bill

In house trainning

I did have to retrain the family to not help themselves to whatever they wanted. The salad drawer in my fridge has been turned into a snack drawer. Anything in the drawer can be taken without asking permission first, the rest is off limits, without consulting me first.

Now that we have a meal plan in place, we are also discovering a hidden saving. There is almost no food wastage any longer. I only buy what I need, occasionally I will get something that isn’t on the plan. Often, this is the food that usually gets thrown out.

Planner on my fridge
Menu planning on a magnetic board and stuck on the fridge, so everyone knows what’s for dinner

My meal planning is not perfect, when I am stressed, or tired, I will either not plan properly, or just ignore the plan all together.

10 simple ways to save money with meal planning.

  1. Create a meal plan, whether it is a weekly one, or like I do, a monthly one.
  2. Based on your meal plan draw up a shopping list and stick to it
  3. Look out for bulk specials, then cook and freeze for later. Once frozen, you can put it into a future meal plan.
  4. When possible, plan using specials that appear in the local papers.
  5. Whether you have a meal plan and shopping list or not, do not shop when you are hungry, tired or feeling sick. You will then most likely not be able to stick to your list and you can end up buying food you don’t need
  6. Don’t go to the grocery store more than once a week if possible. A minimum of 10% of the final bill will be things that you don’t need but rather that you want. This is costing you money.
  7. If possible do not take husbands and children with, this definitely costs you more!
  8. Shopping in your kitchen, before you go out to a store will also prevent you from buying food you already have and then wasting it.
  9. Buying bigger size packages is not always cheaper. Compare the prices first.
  10. The store brand is also not always cheaper than the well-known brand. Check first.

A little change, can make a big difference.

Change
A little change can make a big differencs

Couponing in South Africa

Do we have coupons?

Couponing is big business in the USA, reality shows abound on this topic. Here in South Africa though, we don’t really have coupons.

Couponing in SA
Coupons are a great way to save money

Years ago we got coupons in our subscription magazines and the weekly local papers. Those days are gone.

Except for PnP VIP vouchers for senior citizens (only available for use in Hypermarkets) most South African coupons are in the form of an app or a loyalty card and they can save you a lot of money when used correctly.

Do you know what is out there? Are you using it effectively?

The first one under the spot light is:

PnP Smart Shopper card.

Smart Shopper card
save money to use later on your grocery shopping

If you don’t have one, I suggest getting it. Whether or not you like PicknPay the card is worth it.  You earn points which can be converted to cash, there are discounts and often in their brand match campaign, when you swipe your card, at the end of the till slip either has the message ‘you saved ….  on this purchase or ‘get R… off of your next shopping”. I got a slip once that said I had R84.50 off of my next shop.

Often they will have items for sale where you earn extra points when you swipe your card.

You get vouchers when you swipe your card at different times if the year, these are specific to your spending habits. You get extra points to use during your birthday month.

Earn points and to use for shopping or even travel. I like to accumulate my points for a year and then use them for my grocery shop, I often land up only having to pay half my bill and sometimes even less. The points expire after a year.

A big plus for me is the Fresh living magazine which you get free with your first purchase of the month, if you have a smart shopper card. I have found and made some amazing recipes in the magazine.

 Woolworths

Woolworths cards
Choose either a store card or a credit card

The Woolworths store card which you can only use at a Woolworths store also gives great discounts, however, it works like a credit card and you are charged interest on your balance.

In the instance of the Woolworths credit card these each have different quarterly discounts depending on the colour of your card, you also get a % back for using the card at other stores. You also get a voucher for a free “Taste” magazine (on the black card). These are credit cards and can be used anywhere.

Spar loyalty

Spar has two options, a loyalty card, which can only be used at the Spar that issued the card and the Spar rewards program, which you need to sign up for on your pc and gives you rewards just for signing up, plus vouchers that you can use at participating stores, you also link your loyalty card to the rewards program and earn more points. Then download the app to your smartphone. You will receive your vouchers on your smartphone; you type the voucher number into the keypad at the till to redeem your rewards.

Checkers

Eezee coupons
Phone app from Checkers

The Checkers Eezee coupons app for your smart phone allows you to ‘book’ your specials and when you get to the till you type in the voucher number that the app generates and it will give you your discounts.  I have once been able to buy a product with the app and combined it with another coupon app and landed up pay R5 instead of R65 for my item.

Clicks Club Card and Dischem

While neither of these are grocery stores, a lot of us do our shopping for toiletries at these stores. Their loyalty cards do offer great savings and bonuses.

Bank Cards

When using banks cards together with loyalty cards you once again increase your savings.

Unilever deals

The Unilever deals site is accessed from your computer. They have very good discount “coupons”, either two for one or often between 25%-50% off. I once spent R5 on Omo washing powder as it was on special at the store, plus I had the Unilever code.

SnapnSave

Snapnsave
Snap n Save app can be used an many stores

An app that allows you to ‘book’ specials on your phone. Once you are done shopping, you upload a picture if your full till slip, then gives you money back in their virtual wallet that you can use at one of many partner stores.

I am sure there are some that I have missed.

How are you using apps and loyalty cards to save you money? Did you even know we had so many?

 

 

 

The technology of meal planning

One of the aspects of meal planning that people often find difficult, is recipe searches and looking for ideas on what to make.

Modern technology can help you out here.

There are a lot of meal planning apps out there for you to use, some are paid for and some are free.  All are useful in one degree or another.

Today I am writing about some apps that I have tried out either paid or free.

The first one is on my computer, not my phone

Plan to Eat

This is a click and drag app that allows you to plan 3 meals a day plus snacks. I use the snack option to plan school lunches. It also creates your shopping list.

The only problem I really have is that they only have American stores listed. Obviously they can’t list from the entire wold.  They do have a blog that goes along with the app, so that you can read more on meal planning.

One of the things that I have had to do is create ‘recipes’ for school lunches which enables me to click and drag, otherwise you need to type in the ingredients for every single item in order for you to generate an accurate shopping list.

You can share you recipes with friends who are using the app or keep them private if you wish. You can also import and save recipes from  your favorite websites (except mine for some reason). Not to worry though most of my recipes are on my profile and are accessible to the public.

The app is $5 a month and for me it is totally worth it. https://www.plantoeat.com/

My Meal Plan
This is a screen shot of my meal plan on the PlantoEat app

The next app works on both your android phone and computer. This is a free app

Pepperplate

Pepperplate
Pepperplate app

You need to create a profile on the computer and then sync it to your phone to use it.

The biggest problem I had was that I could only import a recipe from one of their supported sites. This meant that any recipe that was from another site had to be manually inputted.

Once you have your recipes uploaded you can then plan your monthly meals and the app generates your shopping list.  Since the app syncs to your phone, you will always have your shopping list with you.

My favorite feature is that if you are having a special event or gathering, this app allows you to plan the menu, starters, mains and desserts, once again creating your shopping list. https://www.pepperplate.com

Recipe convert app

This phone app is great for converting your recipes from Imperial (US) to metric (most of the rest of the world), whether it is fluid or weight that needs converting. It is also great for when you need to use a recipe that feeds for but there are six of you or only 2 of you.

I have only been using it for a short time but I have found it very useful. You can find it in the play store on your phone

There are two other apps that have good reviews but I cannot test them out as they are only available to iOS phones via the iTunes store and aren’t supported by android.

Cloud-Freezer

Cloud Freezer

This app is apparently more of an inventory app than a meal planner app. I love the idea of having an inventory of my kitchen on my phone. You would avoid buying something you already have. Found on iTunes

Meal Board

Meal Board meal planner app

This is the second iOS app that I found which had great reviews. It is apparently a combination of Pepperplate and Cloud-Freezer. It takes time to set up, but it is apparently worth the effort. Found on iTunes

Disclaimer: I have not been paid to review any of these apps.

I would love to hear if you are using a meal planning app, which is it and what you like about it.

Help Wanted for New Beginnings

Help Wanted

I need help! When I started my blog “Kashering Your Life”, I did not really expect the response that it received worldwide. The simple blog with which I started has grown into a company and it is now as far as it can go in this configuration.

My first logo!
My first logo!

In order for it to grow and prosper the blog needs a complete makeover. Everything from the name to the colours, logo and possibly, even the tag line needs to change.

My 2nd Logo
My 2nd Logo

This is where all of you come in. First we need a new name; the name must obviously reflect what this new company is all about. We will be running a competition for the name.

My current logo
My current logo

When you post your name suggestions, either in the comments of the blog, or on the FB page, you will go into a draw.

Winning name

I will count the top three name suggestions according to the ‘likes’ they receive and the people whose names receive the most ‘likes’ will receive a prize of a magnetic weekly menu planner board.

The person who suggests the winning name will receive a planning package, which includes a magnetic weekly menu board, a laminated comprehensive shopping list, a laminated monthly planner and a set of 60 printed budget envelopes. Remember to also look through other people’s suggestions. http://www.facebook.com/kasheringyourlife

Our mission is this:

This is my goal and the start of my mission statement
This is my goal and the start of my mission statement

We want to help busy people make living life easier by providing education and workshops on meal planning.

We want to promote health by providing two services.

I-Plan

The I-plan service, which means we plan your meals for the month, supply the shopping list and the recipes where needed.

The second service is the I-cook service, where we supply ready cooked, healthy diabetic friendly meals to people who are too busy to cook but would like to eat nutritious meals without the hassle. (Starting soon in the Johannesburg area only)

This competition is open to all new and old followers. COMPETITION ENDS 15 November 2016

Envelope Budgeting disadvantages.

There are some disadvantages to envelope budgeting. I am a huge fan of envelope budgeting but, let’s be honest, there are disadvantages as not every system is perfect. 5 Steps to successful Envelope Budgeting Envelope Budgeting- money management for everyone

Here are the four biggest disadvantages which I have found

The Family:

It can be tough to get everyone on board, especially if they have their own credit cards. The excuses range from it being too dangerous to carry cash, to I need this now and didn’t have the money so I used my card.

This is a constant struggle in my house. My son (AJ) and two younger children are better with it than my husband and my oldest daughter. AJ is naturally good with money and thinks about the cost of almost everything. My younger girls don’t really deal with money a lot as they do get an allowance. My youngest does seem to have got her brother’s money savvy habits.

The Money

To get the money to stuff your envelopes, you will need to go to a cash point, whether it is the till point at the supermarket, the ATM or even the banks, and this makes people nervous. You now also have to get home without spending all the money burning a hole in your wallet!

Budget envelopes
Budget Envelopes

The Complications

The process sounds simple enough, but what happens when you go to a hypermarket that stocks food, clothes and garden equipment and you buy from all 3 departments? This means that you will need to take money from different envelopes to cover the costs.

The Rewards

South African banking credit services are big on rewards on both your credit card and cheque card. When you use your bank cards to shop, you earn loyalty points but now are paying cash for everything.  You may feel like you are losing out.

envelope budgeting
envelope budgeting

As time goes by my family and I are getting used to using the envelopes and the disadvantages don’t seem so great.

Why not look into envelope budgeting? Do you use envelope budgeting?

Meal planning for couples and singles

Meal planning for couples and singles is possible!

It won’t work for me

I often hear people say that they don’t think meal planning is going to work for them. They are only cooking for themselves, or it’s just the two of them, so it’s not worth it.

I actually think meal planning would work better for them in some ways, than for a large family.

Not only would it save money!   It would also be very easy to have nights where you won’t have to cook at all and are still able to eat a good healthy meal.

containers for bulk cooking, buy disposable but reusable
Small containers make freezing ready cooked foods easy

Bulk cooking for 2

Bulk cooking for couples and single people is very easy. Most recipes are enough for four people, which means you always have left overs. If you cook every night for 5 nights then you will have enough meals for 2 people for the next week or for one person for 2 weeks!

A suggestion of mine would be to cook only the main ingredients, like mince, for instance. Cook up 500 g and then portion it up and put the labelled portions into the freezer. That way you can make pasta or mash potato, a portion of frozen vegetables and just add a portion of cooked mince.

I remember the days before I got married when I was working 12 hour shifts as a nurse and the last thing I wanted was to come home and still have to cook! I ate a lot of unhealthy meals at the time.

Here are 6 steps to make it work

  1. Find recipes that feed 4 or more people. Each recipe then is enough for 2 or 4 meals.
  2. Know which foods freeze well and which don’t. Starchy vegetables like potato and butternut need to be partly cooked before freezing.
  3. If you are feeling energetic, why not make most of the meals on a weekend and then you are free after work for the rest of the week. Just reheat and eat.
  4. Take the food out of the freezer the night before and put it in the fridge to defrost. This is important as you would like your food properly defrosted. Leaving it out to defrost on a counter the morning before work, to eat that night, could be dangerous as bacteria can grow and give you food poisoning. If you have a microwave, you can defrost and heat all at once, so you can decide that night what you want to eat. Having a variety of frozen meals gives you choices.
  5. Buy disposable but reusable containers in different sizes, these containers stack well in small freezer spaces and cost less than more expensive food storage systems.
  6. Always label the food and the date before you put it in the freezer so that you can see what you have stored away.

Meal planning allows you to save time and money. It gives you the opportunity to eat healthily and follow eating plans on practically any diet you want.

Why not give it a try?

More month than money

When there is more month than money.

One of the things I didn’t mention about my adventure into weekly planning is a scenario that I had almost forgotten. Never Ever Again!! This common occurrence happens when there is more month than money!

No more money!

Before I started meal planning this was a common occurrence.  We would get to the last week of the month, with no money in the bank and very little food in the house, and often ran tight on sugar and milk. It was also common for us to have to scrounge around for petrol money.

More month than money
More month than money

Once I started my envelope budgeting, milk money and petrol money were no longer a problem; we also now had some money for fruit and vegetables all the way to the end of the month. It was still touch and go at times but we just made it to the end of the month. Then I began meal planning and suddenly there were even months where there was some money left over!

Once a week is too much

I wrote recently about my experience doing the weekly meal plan idea and how difficult it was having to do a big shop every Sunday, whether I wanted to or not.

The thing I didn’t write about was the budget aspect of this little experiment. I have written about how every time you go into a store it costs you around 10% more than necessary, and that month we really felt the extra costs.

Running on empty

Any left over money that I had been putting away in the envelopes from the previous months disappeared. We didn’t have a choice. Going into the store every single week cost us a fortune. We had both cars running on fumes because we had dipped into the petrol envelopes for grocery money.

By the last week of that month we didn’t even have money for bread! I thankfully had flour and yeast in the cupboard and I dug up the last of the sugar (I only needed 2 teaspoonful’s) and I found an easy bread recipe that use water and margarine instead of oil and didn’t use eggs, which was a good thing as by that stage we didn’t have eggs or oil left and it was still 5 days to pay day! I made my own bread.

I now make the bread daily as everyone loved the taste!

Going shopping every two weeks wasn’t all that much better and money was still extra tight.

Thank goodness we are back to normal and as we reach the end of the month, there is petrol in our cars, food in the cupboard and at least some money to go into the emergency jar! We changed the name from the savings jar to the emergency jar for obvious reasons.

My monthly meal plan is ready
My monthly meal plan is ready

If you have months like this where there is more month than money, maybe you should try envelope budgeting and/or meal planning and see how it works for you.

Budget Envelopes
Budget Envelopes

Tells us what you do when the month lasts longer than the pay check.

Sign up and receive a dinner plan for the week, including recipes and shopping list.

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