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What Will You Do with the Final Days of 2021?

November 22, 2021 By MelissaB Leave a Comment

What Will You Do with the Final Days of 2021?

I’m on several personal finance and healthy eating groups on Facebook. Routinely, right about now, newbies to the groups post about their big plans in January. In January they’re going to start paying down their debt, saving more, eating healthier. They jump right to January even though, as of today, there are 39 days left in 2021. That is 5.5 weeks left. Don’t throw in the towel on your goals just because we’re approaching the holiday season! You can still make a positive impact on your life in the next 5.5 weeks!

How We Self-Sabotage at the End of the Year

Let’s be honest. Many of us can do some significant damage to our lives in the last few weeks of any year. We tend to lose control and let loose. Then, we have to pick up the pieces in the next year. I used to exhibit that kind of behavior every year!

For instance, one year, my husband and I overspent on Christmas gifts. Our budget was extremely tight, and we needed three months of the new year to get out of the hole we had dug! Three months for one night of Christmas Eve shopping.

What Will You Do with the Rest of 2021?
Photo by Food Photographer | Jennifer Pallian on Unsplash

I used to do the same with my food consumption. Starting at Thanksgiving, I would give up and eat all of the good things with abandon. One year, I gained 10 pounds from Thanksgiving to New Year’s Day. I was gaining at a rate of two pounds a week for five weeks. That’s ridiculous!

What Will You Do with the Final Days of 2021?

Luckily, I’ve gotten older and wiser. True, we are entering the holiday season, which can make reining in our budgets and our food consumption a bit more difficult. However, Thanksgiving is only one day as is Christmas. We’re talking two days in the remaining 39 days of the year.

You still have time to make this year different.

Mind Your Budget

Imagine that, for the next five weeks, you stick to your budget. You don’t overspend. Then, when you start 2022, you’re starting with a clean slate. You’re not in the hole from overspending. How great would that feel?

Enjoy on the Holidays

Likewise, feel free to celebrate on Thanksgiving and Christmas. Enjoy the drinks, the food, the company. But just enjoy the food and drinks on that day. If you love pumpkin pie, eat a slice (or two) on Thanksgiving, but then eat normally the rest of the days. Your body can handle one day of indulgence. It can’t handle 39 days of indulgence!

Final Thoughts

Far too many of us self-sabotage as we enter the holiday season. We worry that we’ll miss out. We think that we don’t have any self-control during the holidays. But that’s not true. Instead, we need a mind shift. Indulge on the actual holiday, but the rest of the days, live your normal, typical life. You’ll be so much happier on January 1st if you do.

Read More

9 Ways to Get Your Child a Christmas Gift If You Can’t Afford One

4 Frugal Ways to Keep Kids Busy During Christmas Vacation

What Christmas Expectations Are You Setting for Your Children?

MelissaB
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/

Filed Under: Frugality, Saving Tagged With: budget, christmas, finances, health, new year, new years resolutions

What to Keep in Your Pantry?

October 25, 2021 By MelissaB Leave a Comment

What to Keep in Your Pantry

Since the pandemic, many of us now realize that having a full pantry is a necessity. Of course, this is different than hoarding and having so many items in your pantry that you’ll never be able to use them. Instead, your pantry should have enough to be able to feed you and your family for a month to three months. How much you need depends on a variety of variables.


Why Keep a Fully Stocked Pantry?

Keeping a fully stocked pantry is necessary for a few reasons:

You May Get Sick

If you get sick, you may not want to or be able to go to the grocery store. In such a situation, you can find items in your pantry to prepare for meals.

You May Have a Weather Event

In many parts of the country, having a fully stocked pantry is essential because weather events may prevent you from getting to the store. You may have hurricanes in the South. In the Midwest and East Coast, blizzards may keep you from the store.

You Want to Save Money

If you build your pantry slowly, you can stock up on items when they go on sale. For instance, maybe canned beans are $1.29 a can, but you buy them on sale for $0.99 a can. If you buy 20 cans, you have saved $6.

In addition, if you have a fully stocked pantry, preparing meals is a snap because you likely have all of the ingredients you need. If you decide one night that you’d like to make chicken noodle soup, you probably have everything in the pantry, so you can easily make the meal. When everything is at your fingertips, cooking can be quicker than ordering take-out and waiting for the meal to arrive.

Supply Chains May Be Interrupted

In the United States, we are spoiled. Before the pandemic, most people never had experienced empty store shelves. If you, like me, thought that after 2020, empty store shelves were a thing of the past, you likely now know that thanks to supply chain issues, our days of items being unavailable are not over. We may be facing this situation through next year. If you keep a fully stocked pantry, you’ll be less affected by the market turmoil.

What to Keep in Your Pantry?

So, you’ve decided having a fully stocked pantry is necessary, but what does that mean exactly? What should you include in your pantry? Here are some ideas.

Baking & Cooking Supplies

You’ll want to include ingredients for basic baking and cooking recipes:

  • Baking soda,
  • Baking powder,
  • Flour,
  • Sugar,
  • Cocoa
  • Salt,
  • Pepper,
  • Onion,
  • Garlic,
  • Seasonings

Ingredients for Simple Meals

You’ll also want to include ingredients for simple meals you can make fully from the pantry. If you like spaghetti, include noodles and spaghetti sauce. If you like taco soup, make sure to have taco seasoning, beans, tomatoes, and nacho chips. You may also want to have some canned soups. Just open, heat, and eat.

Vegetables and Fruits

If you don’t mind eating canned vegetables and fruits, make sure to have those. If you’re without power due to a hurricane, for instance, you could always eat those without needing a stovetop.

Toiletries

Before 2020, I don’t think most of us realized just how much we take having toilet paper for granted! Toilet paper is just one of the toiletries you’ll want to have stocked in your pantry. You’ll also benefit from having the following:

  • Toothpaste,
  • Deodorant,
  • Dental floss,
  • Shampoo,
  • Soap,
  • Band-aids

What Should Be in the Freezer?

What to Keep in Your Pantry

If you can afford a freezer chest, I highly recommend buying one. My husband and I have had one for almost as long as we’ve been married, and it’s paid for itself over and over again. If you want to have a well-balanced diet even if you can’t get to the store, a freezer is essential. Consider stocking these items:

Meat

If you’re an omnivore, consider stocking a variety of meat. We usually have beef, pork, chicken, and a variety of fish. A deep freezer pays off if you can stock your freezer with meat you found on sale or if you can buy a quarter side of beef direct from the farmer.

Vegetables

Keep a variety of frozen vegetables. Once your fresh vegetables run out, you can turn to frozen for nutrition. You may want to include

  • Peas,
  • Corn,
  • Mixed vegetables,
  • Greens like spinach and kale,
  • Cauliflower,
  • Broccoli,
  • Lima beans

Fruit

You’ll also want to include frozen fruit for the same reason. We frequently make smoothies with our frozen fruit, but you can also eat it plain or mixed into items like yogurt. We keep the following in the freezer:

  • Blueberries,
  • Strawberries,
  • Mango,
  • Pineapple,
  • Bananas
  • Smoothie mixes (I bought a bag from Costco that has berries as well as some greens like spinach. The kids said it tasted less sweet than a regular smoothie, but they drank it down.)

How Should You Build a Pantry?

Most of us can’t afford to fully stock a pantry in one swoop. Instead, buy items little by little as they go on sale. For instance, spaghetti is a great pantry meal. Recently, there was a coupon for our preferred jars of spaghetti sauce. Instead of being $2.49 a jar, they were on sale for .99 a jar. I bought the maximum limit of 5. If you do this week after week, you’ll soon have a full pantry with items bought at a lower price than if you just went to the store weekly to pick up what you need.

How to Maintain a Pantry

Once your pantry is full, keep a running list of items that are low or that you’re out of. Then, buy those items again to refill your pantry.

Don’t forget to put the items that expire soonest at the front of the pantry so you’ll use them up first. Put the replenished items with a later expiration date in the back.

Final Thoughts

If you haven’t already, now is the time to create a fully stocked pantry. Hopefully, you now have some ideas of what to keep in your pantry and can start building it with items you find on sale each week at the grocery store. Even if you don’t have an emergency, you’ll be glad to have a fully stocked pantry because it makes meal prep so much easier!

Read More

Now Is the Perfect Time to Increase Your Pantry

Why I’ll Always Keep a Full Pantry Now

9 Ways to Get Your Child a Christmas Gift If You Can’t Afford One

MelissaB
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/

Filed Under: Emergency Fund, Frugality, Saving Tagged With: food costs, frugal food, pantry

Should You Buy a Preowned Republic Wireless Phone?

October 11, 2021 By MelissaB Leave a Comment

Buy a Preowned Wireless Republic Phone

Republic Wireless can be an excellent cell phone provider if you have basic needs and don’t want to pay a lot for a monthly cell phone bill. Even better, you can buy a preowned Republic Wireless phone to save even more.


Benefits of Choosing Republic Wireless

Republic Wireless is an excellent provider that can be frugal if you have limited cell phone use.

Republic Wireless’ most popular plan is $20 per month for Unlimited Talk and Text plus 1GB of data. Each additional GB of data costs $5. So, if you mainly use your phone for talking and texting, Republic Wireless can be an excellent company to use. However, if you use your phone mainly for data, you’ll end up owing quite a bit at the end of the month.

As an added bonus, you can pay $200 for cell phone service for the year, which gives you $40 off paying month to month.

There are three other plans to choose from, too.

First, though, you’ll want to make sure that Republic Wireless offers coverage in your area. Luckily, they offer coverage across most of the United States; there are only a few locales where coverage might be spotty.

Should You Buy a Preonwed Republic Wireless Phone?

Should You Buy a Preowned Republic Wireless Phone?

The answer to that question is an emphatic yes. Preowned Republic Wireless phones have a number of advantages.

Very Lightly Used

Republic Wireless certified preowned phones are very lightly used. Frequently, they are phones that customers bought but then returned within the 14-day return window, or they may have been used for testing.

Vetted Through Testing

Each preowned phone undergoes a rigorous 50-point inspection. That means for each phone to be certified, it must be in like-new condition.

Discounted Pricing

Buying a cell phone can cost several hundred dollars or more. When you buy a certified, pre-owned phone, you get the same quality phone at a much lower price.

Words of Caution

If you choose to buy a certified pre-owned Republic Wireless phone, be aware of these two caveats:

No Manufacturer’s Warranty

When you buy a certified pre-owned phone, you can no longer get the manufacturer’s warranty. However, Republic Wireless does offer a 14-Day Money-Back Guarantee. Simply return the phone in its original packaging within 14 days of receipt, and you will get your money back. (You will be responsible for paying the initial shipping.)

The Original Accessories May Be Missing

When you buy a certified pre-owned phone, you are guaranteed to receive a compatible charger, SIM card, and a getting started guide, in addition to the phone. You are not guaranteed to receive the original accessories from the manufacturer.

Final Thoughts

If you want to save money, you may want to buy a preowned Republic Wireless phone. Buying preowned rather than brand new and using Republic Wireless’ affordable plan is guaranteed to give you the convenience of a cell phone at an affordable price.

Read More

How We Save Money with Ting as Our Cell Phone Provider

Get Your Phone Service for Less with These Two Programs

How Does Tello Mobile Compare to Other Networks?

MelissaB
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/

Filed Under: budget, Frugality, Saving Tagged With: cell phone provider, cell phones, republic wireless

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