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Marietta Taylor

Helping Women Find A Taste Of God's Blessings

It’s March! Spring cleaning time. One thing you can do in March is make some adjustments to your finances, the CLEAN way.

Coupons – Use coupons when you shop. it might not seem like you’re saving a lot. On each trip, you may not save a bundle. However, if you add up those savings over time, you will see a difference. If you keep putting droppers full of water in a glass, eventually you will fill it. Saving is the same way. Every little bit adds up to much in the end.

Lights Out – Don’t forget to turn off lights and other electronics like video games and TVs when you leave a room. Just that small action will begin to show a difference in your light bill. The good kind of difference :)

Eat at Home More – If you eat out a lot, cut back. Eat more meals at home. Take the money you would have used eating out and save it. Tally it up at the end of the month. You’ll be surprised at how much you have. Use it to pay off or down a bill. Or just deposit it into the savings account. Cha-Ching!

Adjust your budget – Look at making small cuts to your budget in areas like entertainment or clothing. Find free or reduced costs entertainment. Shop consignment shops. Heck, shop your closet. You’ll be surprise what you forgot you had!

No spend month – Decide to have a no buy month. No eating out. No shopping (except for groceries). You pay bills, buy groceries and that’s that. Again, any money you save goes to a bill or to your savings account.
Let me know if you do any or all of these things. I’d like to know how they work for you.

This the month of resolutions. Many people resolve to exercise more.  Because of this, many stores put exercise gear and equipment on sale. Unfortunately, people buy these things and in quick order, they are cast aside as the resolve fades. So I thought I’d offer a few suggestions. Don’t spend a large amount of money on exercise equipment.  If you aren’t already in the habit of exercising, you might wind up wasting money.  What are your alternatives?

  FREE

  • Try simple exercises at home. You can use music in the background to make it more interesting. There are many past issues of health and wellness magazines that provide exercises you can do at home for free. You can check them out at the library (again that’s FREE).
  • Take up walking. Unless you don’t already own a pair of sneakers, this is also FREE.

  • Rent exercise videos from the library. This is a good way to see if you like a video without spending cash for it. If you like it, then see my low cost options below.

  • There are several websites that offer free online excersie. There are exercise plans already setup based on your sex, age, weight, height and your exercise goals. Videos of how to correctly perform the exercises are included. An example of this would be www.fitclick.com. Other online exercises are videos of professional trainers or printable worksheets. You can check out www.exercisetv.tv or www.workoutz.com to see for yourself. My disclaimer here is that some exercises may require equipment you do not have, like the big exercise balls. Start with exercises that don’t require extra equipment. Then when you’ve successfully established a routine, you can move this idea to the low cost option as you purchase a few additional items like dumbbells or resistance bands.

  • Find out if your friends have any equipment they aren’t using, perhaps from past new year’s resolutions. Maybe they’d be willing to let you use it!

  • Dance, dance dance. Turn on some music and dance up a storm. It’s great aerobic and cardio exercise. And it’s FREE!

  • Clean your house! Haul out that trash, vacuum, dust and haul laundry. When you;re done your house is clean and you’ve burned a bunch of calories!

  • Use the stairs. Have stairs in your home? Walk or run up and down them for exercise. Stairs at work? Great! Use them instead of the elevators.

  LOW COST:

  • Buy an inexpensive exercise DVD. That’s minimal investment. This is different from my online video suggestion in that you get to select the trainer and the program. If you;ve already rented it from the library, you already know you like it and are not wasting your money.

  • Take a class at the park district. This is much cheaper than the fancy heath club.

  • Buy just one or maybe two pieces of inexpensive exercise equipments. Examples would be dumbbells, fitness balls, pull-up bar or resistance bands.

  • Find a local pool where you can swim for cheap.

If you find yourself sticking to your exercise commitment, great. That will give you reason enough to spend extra money if so choose later. In the meantime, get going, for free or cheap. Enjoy!

Summer Fun-Picnics

By Mari Taylor
Filed Under Food, Fun | Tagged With: , , , , , | | 66 Comments»

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It’s officially summer and it’s time for some fun. Summer is great for spending time with family and friends and I’ve got just the activity for you.

If you live near a park, have your own backyard or a backyard you can “visit”, have a picnic! I don’t really see many people doing this much anymore, but it can be fun. It doesn’t have to be fancy but it certainly can be frugally elegant fancy. If you need ideas, keep reading. If not, still keep reading :)

Your first question might be, “What else can we pack besides sandwiches?” I’m glad you asked. Why not pack some deviled eggs?  Be sure to put them on top of an ice bath so they don’t spoil! These are easy to make and are relatively inexpensive as well. If you like coleslaw, that’s also an option.  A creative way to transport it is in Chinese take-out boxes lined with wax paper. You can get the boxes at arts and craft stores for about 30 cents each or less. To be really creative, you can decorate them. This is especially fun if it’s a family picnic. Don’t like coleslaw? That’s fine. I’m not a coleslaw girl either :) You can bring salad instead. Put in some chicken or tofu for protein. Add some fruit and nuts (if no one has allergies) for variety. Another non-coleslaw idea is pasta salad. An orzo salad with mix-ins of your choosing is both inexpensive and filling.  All of it is portable in a cute little take out box!

 


There’s always room for cheese and crackers. To add a new twist, use pita chips instead of crackers. Using a soft spreadable cheese also makes serving a bit easier and it looks fancier .  Grab a dab of cheese, spread and you’re set!

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You can also never go wrong with the old picnic staple of fried chicken. Oven fried works for this as well. Have vegetarians in your picnic party? That’s fine. In addition to the chicken, grill some soy burgers or mushrooms.

Now if you really do want sandwiches, I’ve got an idea for you. An easy and fancy looking sandwich to bring to the picnic is a pinwheel sandwich. You can be really colorful if you use tomato or spinach tortillas. You have many options with these sandwiches. You can even please a vegetarian with them by making some with black beans or carrots or cucumbers. There are plenty of options.

Subs are also a good option. These can be preassembled at home or right at the picnic.  You can also do “regular” sandwiches with a twist by using foccacia bread, bagel thins, sandwich thins or pita bread folds.  Try some new spreads for the sandwiches. These are simple ways to create new picnic traditions!

Fruit is great to pack.  It’s healthy and can add a bit of sweet to the picnic. That’s in addition to the sweet company you’ll enjoy of course. If you freeze some grapes or cut strawberries, they make great ice cubes for punch. How’s that for a simple way to add some “wow” to your feast.

For dessert, you can go simple with cookies or brownies. If you want to take it up a level, try cheesecake bites.  You can create these using no bake cheesecake mix and cupcake liners to create the small, bite size treats. This is also another part of the meal where fruit can do double duty.  A cup of fruit with a glaze or even some fruit salsa with cinnamon tortilla chips makes a great dessert. It’s simple but elegant.

So this weekend, why not do your own picnic. I bet you’ll add it to your summer fun ideas list! Enjoy!!!

Friendly Get Togethers

By Mari Taylor
Filed Under Fun, Travel | Tagged With: , , , , | | 1 Comment»

 
  
So, when was the last time you got together with friends and didn’t spend a lot of money? What about for a weekend out of town? How much did you spend?

My last “get-together” was actually a girls’ trip. It’s been a long, long time since I did that. Even though we traveled out of town, it was still a fairly reasonably priced trip. We were going to a Lifeway Event. The tickets for that were around $40.  That’s pretty inexpensive for a two-day conference.  We drove so the cost of gas was split between 4 people. Very economical. Lunch was at Burger King. I wish I had been thinking, I would have packed us all a lunch. Ah, next time. I think I got caught up in the excitement. We only needed the hotel for one night. That cost was also split between four people. Since it was a Residence Inn , it wasn’t nearly as expensive as a more traditional hotel. I spent less than $25  for a hotel in the DC Area.

For dinner, we splurged :) We ate at P.F. Changs. But even with that, we spent less than $20 each. My meal was around $15. Breakfast was free. YES! The conference offered Chick-Fil-A sandwiches, a drink and chips for $5. So that was lunch. We made it back home without having to eat again, though I did one additional splurge on a Caramel Apple Spice at Starbucks. Yep, I consider that a splurge.

All in all, the cost of the trip for me was around $130 when you include gas. That’s pretty good for a girlfriends weekend out of town. No,  I don’t always do this. There are other get togethers that are shorter, cheaper but just as much fun. My next one is going to be a dessert night. That may sound expensive but if everyone brings a dessert with just enough for everyone to get a sample, it’s quite budget friendly.

So what fun yet inexpensive get togethers have you participated in? Do share!

Just As Good As

By Mari Taylor
Filed Under Food | Tagged With: , , , | | 7 Comments»

In my book, Surviving Unemployment Devotions To Go, I talk about making “knock-offs” of restaurant items. You may wonder if I still do that now that my husband is no longer unemployed.  Yep, I certainly do. And I’m going to share one of those knock-offs with you. Fun, huh?

Now, many of you may love Starbucks for their coffee. I don’t. What I love is their Caramel Apple Spice. To. Die. For. But, it’s too expensive to purchase every time I crave one.  What’s a girl to do? Shoot, make her own at home that’s what!

I take one envelope of instant Spiced Apple Cider and add some caramel sundae syrup. Yes, it’s the kind you put on ice cream. I then add about 8 ounces of hot water.  Sometimes I add a dash of cinnamon.  After a little stirring, I add whipped cream and drizzle with more caramel syrup. After taking a sip I say, “ Starbucks who? ”

How economical is this? Let’s tally.

10 packets of Spiced Apple Cider                  $1.88

Caramel Syrup                                                       $3.29

Whipped Cream                                                    $1.97

So for under $8 I can make 10 Mari’s Spiced Caramel Apple Cider. I couldn’t even get 3 of these at Starbucks for $8. And, I can enjoy it whenever I want. There’s no price tag for that!

Quick, easy, frugally elegant! Try your own “knock-off”. Discover the beauty of being able to enjoy your favorite treat, on a whim, in the comfort of your own home.

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