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397 Ways to Save Money: Spend Smarter & Live Well on Less - PDFDrive.com Page 9

by Kerry K. Taylor

12organicfoodsworthbuyingtoavoidpesticides

  Apples

  Grapes

  Potatoes

  Bell

  Nectarines Raspberries

  peppers

  Celery

  Peaches Spinach

  Cherries

  Pears

  Strawberries

  12organicfoodsnotworthbuyingwhentryingtoavoidpesticides

  Asparagus Cauliflower Onions

  Avocado Corn

  Papaya

  Bananas Kiwi

  Peas

  Broccoli Mangoes

  Pineapples

  BOTTOMLINE:Payingdoubleforsomeorganicfoodsmaybeworth

  the added cost because their conventionally grown counterparts

  tendtobeladenwithpesticidesevenaftervigorous washing. But

  sticktoconventionalforotherfruitsandveggiesifyou’relooking

  tokeepyourbudgetinline.

  Learntoloveleftovers. Cookingmealswhileplanningforleftovers cansaveyoubigdollarsthroughouttheyear.Cookinglargermealshelps youtakeadvantageofeconomiesofscale;onebigbatchoffoodcantake lesstimeandcostlesstopreparethanseveralsmallermeals.Preparing largerportionsalsosavesonenergycostsassociatedwithcookingfood.

  Plannedleftoversareadvantageousforbusyfamiliesbecausetheycan

  betakentoschoolorworkforlunches,savingoneatingout.Cookingon weekends and freezing portion sizes for future meals can cut costs by hundredsayearandsaveyoutime.Seethefeature“LovingLeftoversfor Less.”

  BOTTOM LINE: Learn to love leftovers and make larger meals to saveyouprecioustimeandmoney.Preparingtwomeals’worthof

  foodeachtimeyoucookcansaveuptohalfofyourcookingenergy

  needs.

  Cookwithlessenergy. Sometimesasmallercookingappliancecan do the job of an energy-hungry oven. Because they consume less electricity, smaller appliances like slow cookers, toaster ovens and microwavescancookafamilymealforalotless.Useatoasterovento

  heatamealinthesameamountoftimeasanovenandsavearound$50

  per year in energy costs. When boiling water in a kettle, only boil as muchasyouneed.Toreduceyourcookingenergyconsumptionfurther,

  consider adding more raw foods to your diet. Foods like salads, fruits andrawvegetablesaregoodforyouanddon’trequireheating.

  BOTTOMLINE:Switchoffyourovenandusesmallerappliancesto

  reduceyourenergycostsbyatleast$50ayear.

  Sackplasticbagsbyusingreusablebags. Manygrocerystoresnow charge2to5centsperplasticshoppingbagatthecheckout.Spendinga few bucks on bags per month may sound like nothing today, but the costscanadduptohundredsovertheyears.Whilekeepingcostsdown

  isaconcernformany,therearemorepressingplasticmattersatstake.

  Disposable plastic bags litter our environment, contribute to climate

  changeandcanharmwildlife.Buyingaqualityreusablebagmadefrom durableandwashablerip-stopnylon(liketheBAGGUbrandfor$8each,

  or less if you buy multiples) can help you save money while keeping disposablesoutofthelandfill.Eventhe99-centversionsforsaleatthe supermarketmakeagreatoption.Manyreusablebagscansquishintoa

  smallpackageforeasystorageinapurseorpocketwhenyou’reonthe

  go.

  BOTTOM LINE: Save money and keep plastic out of landfills by investing in quality reusable shopping bags. For example, by not using10plasticbagsaweek,youcansaveabout$26ayear.

  FreezeFoodforBigSavings

  Not long ago I remember watching both my grandmother and mom

  preserve fruits and vegetables by canning, freezing and dehydrating.

  Canningcangetinvolved,butfreezingfoodsdoesn’ttakealotoftime

  and is a fantastic way to preserve meals prepared in advance. I often cookalargelasagne,souporstewonweekendsandfreezeportionsfor

  mealsduringthemonth.Makingmealsinadvancenotonlysavesmoney

  butsavestimeonweeknightsafterabusydayatwork.

  Mostfoodsfreezewell,withtheexceptionofleafygreensandsome

  produce with a high water content. Stick to freezing fruits and vegetables like apples and tomatoes. Before starting upon a frugal freezing adventure, organize your current frozen food situation by discardingvintageparcels.Knowingwhat’scurrentlyonhandanddating

  packages saves the cost of buying duplicates and replacing perishable foods.

  Chopandfreeze. Tomaximizefreezerspace,chopawkwardlyshaped fruitsandvegetables(likebananas,asparagusorkale)intobite-sized

  pieces before freezing. Cut larger items into handy single-serve portions.

  Squeezetheairout. Removeasmuchairaspossiblefromthefreezer bagtosaveroominthefreezerandtopreventfreezerburn.Buyinga

  vacuum sealer to remove excess air from freezer bags costs around $50,butusingastrawandsuckingtheairoutofthefreezerbagis

  free.

  Markthedateandkeeptrack. Beforefreezingfreshproduce,besure to write the date on each bag or container. Even in a freezer food won’tlastforever—sotoavoidthawingsomethingfromtheIceAge,

  be sure to keep track of what you have and rotate your food

  frequently.Keepingalistofyourfreezercontentsinthekitchencan

  alsohelpyouplanmealsandrememberwhatyouhaveonhand.

  Freeze in flat packages. Use freezer bags and reusable containers to freeze food flat and save room in the freezer. Stacking food in an organizedmannerkeepspackagesfromburstingopenandhelpsyou

  findfoodfast.Ifyouhavestore-boughtpackagesthatareanawkward

  fit, take the food out and divide it into smaller containers to save space.

  Maintain your refrigerator and freezer. A well-maintained

  refrigeratorandfreezercansaveyouhundredsofdollarsinlostenergy costs over the year. To keep your older unit running as efficiently as possible, regularly inspect and clean the refrigerator door seals and heatingcoils.Doorseals,alsocalledgaskets,candeteriorateovertime, leavingyourfridgeleakingcoolairandcoldcash.Replacementgaskets

  couldcostaslittleas$30butrequire$60inlabourcosts.Cleaningthe dustfromyourrefrigeratorcoilstwiceayearisfreeandmakesiteasier fortheunittodisperseheat,thusmakingitmoreefficientwhencooling food. A final tip for maintaining your refrigerator and freezer is to defrostatleasttwiceayear.

  BOTTOM LINE: Regular maintenance of your older refrigerator

  gaskets,coilsandfrostlevelsisfreeandcanextendthelifeofthe appliance,savingyouhundredsinreplacementcosts.

  Unplugthesecondrefrigeratororfreezer. Secondrefrigeratorsand freezers are often underused appliances and tend to be older, less efficientmodels.Ifyoursecondunitisrunningconstantlyjusttocoola fewperishables,thenunplugit.Usingalargerrefrigeratororfreezeris moreefficientandcostslessthanrunningtwosmallerunits.

  BOTTOMLINE:Unpluggingunderusedrefrigeratorsisfreeandcan

  saveyouover$100ayear.

  Replaceolderinefficientrefrigerators. Keepinganolderrefrigerator running in your kitchen can cost you. Compared with newer models, ancient units can use up to double the amount of energy to operate, costingyouhundredsinadditionaldollarsayear.Recentimprovements

  inrefrigerators,rangingfrombettercompressorstoimprovedinsulation, have increased energy efficiency dramatically. Replacing an old fridge withanewmodelcan
keepyourfoodcoolforlessandmaypayforitself inafewshortyearsgiventhedramaticcutstoenergyuse.Ifyou’rein thepositiontopurchaseanewmodel,shoparoundandfindaunitbig

  enough to suit your family’s needs. Don’t be afraid to take along the productsorfoodcontainersyouoftenrefrigerate.Refrigeratorsareused differently by everyone, so finding the right-sized door compartments andcustomizabledrawersisessentialtokeepingyourfoodfresh.

  BOTTOMLINE:Ifyourrefrigeratororfreezerisoldornotcooling

  well,itmightbeagoodideatoreplacetheunitwithanENERGY

  STARappliance.Switchingtomoreenergy-efficientappliancescan

  save you hundreds a year in energy costs and may keep your perishablesfresher,savingyoumoneyonyourfoodbillaswell.

  Dofewerdishes. Ifyoucancutdownonthenumberofdishesyou needtowash,youcansaveonwater,energyandsoap,andyourdish

  panhandswillthankyou.Whileweallwouldlovefewerdirtydishesin

  our lives, sometimes they seem unavoidable. One easy method is to reusedrinkingglassesbygivingeachmemberofyourfamilyoneglass

  andlabellingit.Anothermethodtocutbackonthegreaseistoplanthe mealsyoucookaheadoftime.Usingasinglepotorpantopreparea

  meal,reusingcutlerytostirandmixsaucesorservingwithfewerdishes and getting your family to help themselves rather than using serving platescandrasticallyreducethenumberofdirtydishesinyourkitchen.

  BOTTOMLINE:Reusingdrinkingglassesandplanningmealsahead

  oftimesavesyoumoneyonenergy,waterandsoap—andmayjust

  keepyourhandshappytoo.

  Wash dishes by hand the frugal way. It’s hard to think fun and frugalthoughtswhenyou’refacingasinkfullofdirtydishes.Butthere arewaystocutthecostsoncleaningupafterdinnerifyouwashdishes

  by hand and have a sense of humour about it. Start by limiting the amount of warm or hot water you use to rinse dishes by filling your secondsinkwithclearhotwaterforrinsingandusingyourmainsinkfor soapywashing.Ifyouhaveonlyonesink,useaplasticpailorbigbowl for rinsing dishes. When tackling your dishes, organizing the order in whichyoucleanthemcanpayoffinenergysavings.Saveyoursoapy

  sudsbywashingglasswarefirst,thensilverwareandthecleanestdishes andleavinggreasydishesorpotstotheend.Thishelpskeepyourwater cleanlongerandyourdishesgreasefree.

  BOTTOM LINE: Save up to 10% on your dishwashing energy

  expenses by rinsing in a second sink and organizing the order in whichyouwash.

  Openthedishwasherdoortoair-drydishes. Skipyourdishwasher’s heat drying cycle and save on your total dishwashing energy costs by choosingtheair-dryoptionorbyopeningthedishwasherdoortoair-dry dishesafterthefinalrinse.

  BOTTOMLINE:Start an open-door policy by air-drying dishes and saveatleast$20ayearonenergycosts.

  Maximize your dishwasher. Get the most out of your dishwasher withthesefreequickanddirtytechniquestosavemoneyonhotwater.

  Beforestartingaloadofdirtydishes,besureyourwasherisstackedto thebrim.Halfloadsusethesameamountofhotwaterasafullmachine, costingyoudoubletocleanthesamenumberofdishes.Anotherenergy-savingtechniqueistowashusingthelightorquickcycles.Theseshorter cyclescanuseupto50%lessenergythanthoselongercleaningoptions

  whilestillwashingyourdishesclean.Afinalwaytosaveondirtydishes while saving dish pan hands is to stop pre-rinsing your dishes in the sink.Mostmodernmachinescanhandledinnergrimeanddon’trequire

  apre-rinse—justscrapeawaylargerfoodpiecesandloadwithlesseffort.

  BOTTOM LINE: By washing only full loads, using energy-saving

  washcyclesandnotpre-rinsingyourdishes,it’spossibletoreduce

  yourdishwashingenergycostsby15%.

  Savealmost$1,000peryearbyskippingandswapping

  Thepriceoffoodandkitchenstaplesatthesupermarketisontherise.

  Don’t be held a financial food hostage at the checkout—here’s how to cutyourgroceryexpensesandstillenjoythefoodsyoulove.Byskipping heavilymarketedandpackagedproductsandswappingthemforitems

  not featured in flashy displays, you can save drastically on your food costs. Here’s a list of weekly purchases that show how skipping on brand-nameproductsandswappingforinexpensivealternativescansave

  younearly$1,000ongrocerieseachyear.

  Water

  Skip:brand-namebottledwater,6×710mLfor$3.49or$0.81/L

  Swap:tapwater—virtuallyfree!

  BOTTOMLINE:Save$3.49.Bottledwatercancostasmuchasgasoline.

  Switch to tap water to save money while also decreasing your

  environmentalfootprint.

  OrangeJuice

  Skip:brand-namefrozenconcentrate,1canfor$1.48makes1.4L,or $1.06/L

  Swap: generic frozen concentrate, 1 can for $1.18 makes 1.4 L, or $0.84/L

  Skip:brand-namefromconcentrate,1.89Lfor$3.87,or$2.05/L

  Swap:genericfromconcentrate:1.89Lfor$2.97,or$1.57/L

  BOTTOM LINE: Save 90 cents. Buying cans of frozen orange juice concentrate and adding your own water saves you 50% over buying premixed frozen juice from concentrate. The frozen juice can also be storedmuchlonger.

  Pasta

  Skip:brand-namepasta,375gboxfor$2.99,or$0.80/100g

  Swap:bulkpasta,$0.39/100g

  BOTTOM LINE: Save $1.53. The savings from buying bulk over

  packagedpastacanbeupto50%.

  Rice

  Skip:brand-namerice,500gboxfor$4.99,or$0.50/100g

  Swap:bulkwhitelonggrainrice,$0.22/100g

  BOTTOMLINE:Save$3.89.Packagedricecancostuptofourtimesthe priceofbulk.Save75%bybuyinginbulk.

  Oatmeal

  Skip:brand-nameoatmeal,375gfor$2.89,or$0.77/100g

  Swap:bulkoatmeal,$0.24/100g

  BOTTOMLINE:Save$1.99.Bulkoatmealisathirdthepriceofoatmeal inprettypackages.

  HEALTHBONUS:Oatmealboughtinbulkcostslessanddoesn’tcontain all the added sugars, preservatives or spices found in the brand-name single-servingproducts.Ifyoulikeyouroatsflavouredwithcinnamon,

  justaddsometoyourmorningbreakfast.

  PeanutButter

  Skip:brand-namecrunchypeanutbutter,1kgfor$8.10,or$0.81/100g Swap:bulkcrunchypeanutbutter,1kgfor$4.90,or$0.49/100g

  BOTTOMLINE:Save$3.20.Thebrandnamecosts1.7timesmorethan bulk.Switchingtobulkpeanutbuttersavesyou35%.

  HEALTHBONUS:Notonlydoesthebulkpeanutbuttersaveyoumoney, it’shealthierforyoutoobecauseit’snothydrogenatedlikethebrand-name.

  Lettuce

  Skip:brand-name,1head(ina216gbag)for$3.98

  Swap:1headofgreenleafylettuce,$1.28

  BOTTOMLINE:Save$2.70.Preparedlettuceinabagcostsmorethan twice the price of a whole head of lettuce. Switching to lettuce heads

  savesyou50%onhealthyleafygoodness.

  Carrots

  Skip:brand-namebaggedpeeledcarrots,$1.68/pound

  Swap:bulkcarrots,$0.68/pound

  BOTTOM LINE: Save $1.00. Switching from bagged peeled carrots to bulk ones sold in the produce aisle saves you 60%. You pay a huge premium of 2.5 times for the marketing and convenience of prepared carrots.

  TOTALWEEKLYSAVINGS:$18.70

  TOTALYEARLYSAVINGS:$972.40

  LovingLeftoversforLess

  Therearethreety
pesofleftoversyoucanpreparetosaveyoubigmoney on your grocery bill: planned-overs, unplanned leftovers and mixed meals.Learningtoloveleftoverscansaveyoufoodpreparationtimeand money.

  Planned-Overs. A planned-over meal is a fun definition for making enoughfoodforadditionalmeals.Byplanningaheadwhenpreparing

  onemealandmakingextra,youcantakeadvantageofeconomiesof

  scale;onebigbatchtakeslesstimetocookandcostslessthanmany

  smallermeals.Youcanalsosavetimeonpreparingfuturemealsand

  saveenergyfromconstantlycookingnewrecipes.Thebestplanned-

  oversaremealsyoucansaveandfreezeforanotherdayorrefrigerate

  for the week. Meals that make incredible planned-overs include

  lasagne, stews, soups, casseroles, chili and presoaked and cooked beans.Beansarepossiblythebestingredienttohaveonhandinthe

  frugal kitchen because they can be added to most dishes and they blendwellwithmostflavours.

  SurpriseLeftovers. Ifyou’reluckyenoughtohavealittleextraleftover afterameal,don’tscrapeitintothetrashandthrowitaway.Package

  those leftovers in containers and refrigerate for tomorrow’s lunch.

  Sometimes a meal just tastes better the second time around, and taking a homemade meal to work or school for lunch can save you moneybecauseyouwon’thavetoeatout.Ifyou’vegotenoughleft

  overforanentiremeal,thenfreezeorrefrigerateforuseinthefuture.

  It’s-a-Mix Meals. Meals combining ingredients from previous dinners requirecreativityandasenseofadventure.Sometimesthebest-tasting

  mealsarethoserepurposedfromanothermealorextendedbymixing

  inrice,pasta,vegetablesorquinoaorputonflatbreadtomakepizza.

  Addingleftoversaucesorvegetablestomakeacasseroleisadelicious

  waytosaveonyourfoodbudget.Mixcoldleftoverslikechickeninto

  asaladorheatthemupwithbeansandrice.Feedthefamilyonafew

  dollarsbymixingcannedtunaorsalmonwithpastaandvegetablesin

  acasserole.TheInternetcanbeagreattoolhere—justsearchforall

 

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