Frugality Archives — Beating Broke

11 Fruits and Vegetables You Can Still Afford Even If You’re Broke

May 6, 2024 By Catherine Reed Leave a Comment

Maintaining a healthy diet can seem like a luxury in a world where the cost of living continues to rise. However, even on a tight budget, numerous nutritious and affordable options are available. Here, we explore 11 fruits and vegetables that are not only cost-effective but also packed with essential nutrients. These selections can help anyone, especially financially constrained ones, sustain a balanced diet without breaking the bank.

1. Carrots

Carrots are a budget-friendly staple found in almost any grocery store. Rich in beta-carotene, which the body converts into vitamin A, carrots support vision, skin health, and immune function. They are versatile in cooking and are delicious, whether raw, steamed, or added to soups and stews. Additionally, carrots have a long shelf life, making them an economical choice as they reduce the frequency of shopping trips.

2. Bananas

Bananas are among the most affordable fruits available, making them an excellent choice for anyone on a budget. They are a good source of potassium, which is vital for heart health and muscle function. Bananas are also portable and come with their own natural packaging, making them a convenient snack for people on the go. Their natural sweetness also allows them to serve as a healthier substitute for sugary snacks.

3. Spinach

Spinach is a nutrient powerhouse that offers excellent value for its price. It’s loaded with vitamins A, C, and K and minerals like iron and magnesium. Spinach is versatile and easy to incorporate into a variety of dishes, from smoothies to salads to cooked meals. Buying spinach in bulk or frozen can provide even more savings, ensuring you have a versatile vegetable on hand that can enhance any meal.

4. Sweet Potatoes

Sweet potatoes are an economical and nutritious option that can serve as the main component of a meal. High in vitamins A and C, they help improve immune function and skin health. Sweet potatoes are also naturally sweet and have multiple preparation options—baked, mashed, or even made into fries. Their ability to be stored for long periods also helps in minimizing waste.

5. Apples

Apples are a cost-effective fruit that offers both health benefits and versatility. Rich in fiber and vitamin C, they can be eaten raw, cooked, or baked into desserts. Purchasing apples in season or from local farmers can reduce costs significantly. They also have a long shelf life, especially when stored in a cool, dry place, making them a smart purchase for those looking to stretch their dollars.

6. Cabbage

Cabbage is another vegetable that offers excellent value. It is rich in vitamins K and C and can last for weeks when stored properly in the refrigerator. Cabbage can be used in a variety of culinary applications, from salads and slaws to stir-fries and soups. Its low cost and versatility make it an ideal vegetable for extensive meal planning on a budget.

7. Oranges

Oranges are an affordable source of vitamin C, which is crucial for immune system function and skin health. They are typically less expensive when bought in bulk and can be enjoyed as a standalone snack or juiced. Additionally, the peel can be used in culinary preparations, adding flavor to baked goods and dishes, ensuring you get the most out of each purchase.

8. Onions

Onions add flavor to any dish and are incredibly affordable in the world of fruits and vegetables. They are a good source of vitamin C and have been shown to provide anti-inflammatory and antioxidant benefits. Onions can be purchased in bulk and stored for an extended period, making them a staple in kitchens for both their flavor and their cost-effectiveness.

9. Watermelon

Watermelon is a budget-friendly fruit, especially when bought in season. It is hydrating, rich in vitamins A and C, and can serve as a refreshing snack or dessert during warmer months. Watermelon works in salads and smoothies or is enjoyable on its own. Its large size also ensures you can have multiple servings from a single purchase.

10. Frozen Peas

Frozen peas are an economical and convenient choice. They are rich in protein, fiber, and vitamins A and C. Frozen peas can be added to a variety of dishes, from risotto to soups, and are always ready to use from the freezer, reducing food waste and saving time in meal preparation.

11. Kale

Kale is a superfood that remains affordable and is packed with vitamins A, K, and C. It can be added to smoothies, turned into chips, or mixed into salads. Kale’s health benefits, such as its role in supporting heart health and reducing inflammation, make it a valuable addition to a budget-friendly diet.

Enjoy Fruits and Vegetables Without Breaking the Bank

Maintaining a healthy diet does not have to come at a high cost. By choosing the right fruits and vegetables, such as those listed above, anyone can enjoy nutritious meals without straining their finances. These 11 affordable options ensure that healthful eating is accessible to all, proving that you can eat well even when funds are limited.

Fast Food or Fine Dining: 10 Unexpected Experiences of Eating Out

Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

6 Items You Should Never Pay Full Price For

December 6, 2021 By MelissaB Leave a Comment

When I graduated from college and came back to live at home for a few years, I went with my mom to the furniture store to buy a bed, dresser, and desk set. We found one that I loved. However, I was embarrassed when my mom started haggling with the salesperson. She haggled for about 10 minutes, and in the end, she got 15% off the set. Turns out my mom knew something I, as a young person in my 20s, didn’t—there are certain items you should never pay full price for.

New Furniture

As per my experience, you should never pay full price for furniture. To save money on furniture, use these tactics:

Shop in Winter or the End of Summer

Furniture stores get their inventory in the spring and fall, so they will be looking to get rid of older pieces and be more willing to negotiate. (I bought my furniture in January.)

Go to Smaller Furniture Stores

You won’t be able to negotiate at a big store like Ikea. However, if you visit a small, local furniture store or chain, the salesperson will likely negotiate with you.

Shop Clearance Items

Most furniture stores have a clearance section. They want to get rid of those items, so you may have even more negotiating power if you shop clearance.

Buy Used Furniture

Of course, buying new furniture isn’t the only way to go. You can save much more if you’re open to buying used furniture. For instance, I was driving through a neighborhood one day when I saw a dining room table as part of a garage sale. That table was only $50 and included the table, leaves, and four chairs. It has lasted us for 10 years, though we’re due to replace it sometime soon.

In addition to garage sales, you can find good used furniture advertised on Craigslist and at second-hand shops. You’ll pay only a fraction of the new price.

Hotel Rooms

You can save on hotel rooms in a variety of ways.

Use Online Tools

Many online tools can help you pay less for a hotel room. Consider using Kayak, Expedia, or Priceline.

Use Your Membership

Do you belong to AARP, AAA, or the military? If so, mention that when you check in, and you will likely get a discount.

Avoid Hotel Rooms

Another option is to bypass hotel rooms altogether. You may find that vacation rentals are cheaper than hotel rooms, especially if you have a large family.

Rental Cars

Rental cars are a necessity, but the price can add up quickly, especially when you add optional insurance coverage. Luckily, you can use these strategies to save.

Book in Advance

The earlier you can reserve your rental car, the less you’ll pay. Our family had to rent a minivan for a trip, and we booked three months in advance. As the day got closer to our day to pick up the van, I was astonished to see how much the price went up. We easily saved 20% by booking in advance. Most reservations are non-binding, so booking in advance is a low-risk proposition.

Use Your Costco Membership

If you have a Costco membership, use their travel tab online and make your reservation through Costco’s website. You’ll pay the least amount of money with your Costco card. That’s the only way we book rental cars now.

Don’t Rent at the Airport

Most people get off the plane and go right to the airport rental car desk. Sure, doing so is convenient, but you’re paying extra for that perk. You’ll likely save more if you take an Uber or Lyft to a rental car location a few miles from the airport.

Use Your Credit Card for Insurance

One of the costly fees when renting a car is to pay for the daily insurance. Before you rent the car, call your credit card company and see if they offer primary insurance on rental cars when you use their card to pay for the rental. If so, you could save a bundle by opting out of insurance.

Vehicles

In the market for a new car? Get ready to haggle because you don’t want to pay full price for a vehicle. The car will likely be listed with the MSRP (Manufacturer’s Retail Sales Price). However, to negotiate successfully, you’ll also need to know roughly how much the dealer paid for the vehicle. Then, you’re ready to negotiate. Consumer Reports has an excellent tutorial on how to negotiate with a car dealership.

One caveat: the used and new car markets are strained due to the pandemic, so we’re in a seller’s market. You may not be able to negotiate as successfully as if there wasn’t a supply chain shortage and an increase in demand.

School Supplies

Items You Should Never Pay Full Price For — Photo by Kelly Sikkema on Unsplash

Our family never pays full price for school supplies. Instead, we buy an excess of school supplies in July and August when they’re dirt cheap. Then, when we need glue, or scissors, or paper, or a notebook some other time in the year, we just reach into our stockpile. By shopping like this, you can easily get school supplies for 90% off the retail price.

Mattresses

Look to buy a mattress during the major holidays and Black Friday. They will often be offered for 10 to 20% off. Also, just like furniture, you can save a bundle if you buy right as the new season’s mattresses arrive. That means if you buy last season’s model in April, you should save a significant percentage because the store wants to make room for the new models. You can also try to negotiate with the salesperson to save a bit more.

Final Thoughts

If you’re in the market for these items you should never pay full price for, I hope you can use these tactics to save money. Many of these items are big-ticket items, so the more you can save, the better.

How to Pay Down Your Credit Card Faster Even If You Don’t Have Extra Money

Three Ways to Unload Unwanted Gift Cards

MelissaB

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in New York, where she loves the natural beauty of the area.

www.momsplans.com/

Creative Dating Tips When Broke

September 27, 2021 By MelissaB 1 Comment

When my now husband and I first started dating, I was a graduate student, and he was an undergraduate. We were both broke, but we didn’t let that stop us. We spent nine months mostly going on free dates before we became engaged. If you’re short on cash, don’t let that interfere with your dating life. Instead, follow these creative dating tips when broke and go out and enjoy life. Who said dating has to be expensive?

Free Date Ideas

You may be under the misconception that dating is expensive, and it can be—if you let it. But there are still fabulous ways to spend time together that are free or cost very little and are fun.

Scenic Drive

Why not take a scenic drive and explore the area around you? We enjoy this most when the leaves are changing in the fall, and the scenery is gorgeous. But a scenic drive can be fun no matter the season.

Free Performances

If you live near a college town, see if they have any free performances. Colleges frequently have free music concerts. Some towns also have free plays in the summer or free movie viewings outdoors in the park.

One of our regular summer dates was a music concert the college held every Wednesday night. We got to spend time together, listen to good music, and, best of all, not spend any money!

Trip to the Beach

You can hit the beach for some daytime relaxation and fun. Or, for a more romantic date, try going to the beach an hour before sunset. There’s nothing better on a summer night than walking the beach, feeling the cool breeze, and watching the sunset.

Hike

Hiking can give you a chance to see how adventurous the other person is and to see how he or she handles difficulty if you take a more challenging trail. Or, you can opt to take an easier trail and have fun seeing the scenery and spending time together in nature.

Geocaching

Take your sweetie on an adventure. Geocaching is a free treasure hunt about which some people are almost cultish. Using GPS, find the nearby coordinates and the treasure that someone else has hidden.

Cook Together

You both have to eat, so why not cook together? This activity gives you a chance to see how you work together as a team and delegate responsibility, plus you get to eat something that’s (hopefully) tasty after all of your hard work. If you have a good few hours to spend on preparation, you could even turn it into a little romantic restaurant-style dinner at home. You can get dressed up, perhaps with your favorite perfume (plus some extra True Pheromones to make yourself even more appealing), set a beautiful table with candles, flowers, etc., and recreate a special meal that the two of you have had in the past.

If you have a bit of money to spend, you can make cooking together more of an adventure by buying a meal kit like HelloFresh. If you can’t afford that, Blue Apron has all of its recipes online for free. Just buy the ingredients you need.

Eat2Explore has boxes that include recipes for three meals from another country. Each box has directions, the sauces and spices you need, and a little bit of information about the country. You supply the ingredient. We’ve used several of these boxes and enjoyed trying foods from other countries.

My husband and I cooked together at least two or three times a week when we were dating. We both still like to cook, but now we take shifts—one cooks, one does the dishes. We figure when the kids are grown, we’ll have more time to cook together like we did when we were dating.

Star Gaze

If you live in the country, there’s something so romantic about putting down a blanket, lying together on your backs, and watching the stars. Of course, it’s fun to find constellations, but many times, if you stay there long enough, you can even see a shooting star or two. Plus, the stillness and the beauty of the night sky make for a very memorable date.

Go to a Museum

Many museums have one or two days a month when admission is free. Just be prepared that if you go during this time, the museum will likely be packed.

Some libraries also offer culture passes. These can be checked out and used for free admission to museums in your area. If you use these, you can go for free without dealing with the overcrowding that the one free day a month usually brings.

Low-Cost Dates

While the free dating tips when broke can supply you with many great dating ideas, there may be times when you want to go out and spend a little money. These fun date ideas don’t cost much money.

Go Out for Dessert

While getting an entire meal together at a restaurant might be a bit pricey if you’re broke, you can share a dessert for a fraction of the cost. For example, a Caramel Apple Blondie from Applebee’s is only $6.99. Or, their Brownie Bite is just $1.99. Plus, many of these desserts are so large, they’re like a meal in themselves.

Coffee Shop

Going to a coffee shop can be the perfect, intimate date. You can chat and focus on one another while sipping a beverage.

If you’re bookworms, you could get your drink at a bookstore coffee shop and spend an hour or two perusing good books and discussing them. My husband and I loved this type of date. We frequently went to coffee shops from the start of our relationship until after our first child was born.

Paint Together

Though you’ll have to pay for the supplies, that will likely be the only expense when painting together. If you’re both artistic, you could try to paint on your own with no direction. However, if one or both of you are artistically challenged, there’s no shortage of YouTube tutorials to watch. For instance, you can now find many of the PBS Bob Ross tutorials on YouTube.

Final Thoughts

Being short on cash doesn’t has to kill your love life. If you use some of these creative dating tips when broke, you can continue to enjoy spending time with your romantic interest in a way that doesn’t leave you with even less money. The most important aspect is being together. Doing that doesn’t have to be expensive or boring.

Best Ways to Get a Pay Raise

How to Handle Financially Toxic Parents

MelissaB