$1 Dinners: Roasted Heaven Under Earth at $0.54 A Serving

I love this time of year, and I especially love my neighborhood green-market.  Their selection of vegetables is truly marvelous.  I was out there yesterday and went wild with the beets, carrots, yams and more.  I also found a bag of 10 “aged” red bell peppers with only minor flaws. The bag was $2.  The price of a single “fresh” bell pepper was $2. Score!  I chopped the salvageable bits and put several pounds of bell pepper in the freezer in my bag of peppers for cooking (prices get crazy in the winter for peppers from Mexico, so I buy them early and freeze them).

Here’s my $1 dinner.  I made it in vast quantities so it could be used for several dinners and lunches. This dish would make about 12 meal-sized servings. 

2lbs beets—mixed, yellow and red  $1.

2 aged bell peppers $.40

½ package mushrooms $.94

1 lb carrots $.69

2 lbs yams $1.70

2 Tbs white truffle oil (the cheap kind) $.68 (can substitute olive oil)

2 Tbs olive oil $.38

4 Tbs cheap balsamic vinegar.  $.20.

2 yellow onions $.20

1 head of garlic $.30

Large handful of sage from the garden or other herbs of your choice.

Kosher salt and pepper to taste.

 

Total cost: About $6.49 Total cost per serving: About $0.54.

 

Preheat the oven to 400 degrees.

In a large baking pan with deep sides (like a turkey roaster or the bottom of a broiler pan) dump chopped vegetables (about 1”) into the pan, and drizzle with oil and vinegar. Salt and pepper to taste. The garlic can be included in its’ skins or whole cloves without skins. Stir 3 times during baking.

 
Bake for 60 minutes at 400 and then broil for 5 minutes.

 

This dish is very versatile, and also saves well in the refrigerator. You can vary the vegetables to virtually anything you want, but I prefer root vegetables. Waxy, not starchy potatoes work best if you want to add potatoes. Squashes are great in this dish. (My preferences are pumpkin, butternut and zucchini). There are also many serving ideas for this dish—here’s just a few.

 Vegetables

  •         Just eat it like this—it’s delish and a favorite in our house.
  •         Serve as the “meat” to a green salad with crumbled feta cheese.
  •         Serve with a grain like rice, wild rice, quinoa, or barley.
  •         Blend with butter and cream or milk to make a wonderful savory soup.
  •         Roast a chicken right on top of this “mess” of veggies—but beware that you may want to use only golden beets—red ones will turn your chicken funny colors.
  •         Serve over pasta with a brown-butter sauce, or a light sauce with sausage.

$1 Dinners: Chili Spuds

This will be the first in a series of $1 dinners that I’m writing for an e-book on the subject.  Many will be posted here, and of course, your submissions and ideas are welcomed! Remember, these are $1 dinners. They should be fairly balanced, but don’t need to be elaborate.

This dish is a favorite of the kids and I when it’s just us, or as a quick lunch.  We usually make something more elaborate if it’s the whole family eating, but I’ve been quite sick, so tonight’s plan is a quick-and-dirty dinner.

We scrub four potatoes, and poke holes with a fork. Microwave on high power for 10 minutes.

In the meantime, heat a can of chili in the microwave or on the stove. Top baked potatoes each with 1/4 can of chili and additional toppings as desired (favorites here are guacamole, cottage cheese, mozerella, chives/green onions, carmelized onions etc.).

Cost per serving
Potatoes at $1.98 for ten lbs (yeilding 35 potatoes) = $0.05 each
Chili at $0.88 per 15 oz can = $0.22 per serving
Cottage cheese at $3.26 per 24 oz = $0.14 per ounce–we serve each spud with 1/4 cup or $0.28 of cheese. Green onions from our patio = free.

These are usually a lunch at our house, so we’re dressing them up with some corn I froze in the past few weeks. Each spud will be served with 1/2 cup of corn at $0.11 each.

Total cost per person= $0.66.

Chili Spuds For Lunch (The kids' favorite!)

Chili Spuds For Lunch (The kids' favorite!)

 

 

 

Day 11: Rice: Just like beans, only better!


You can’t beat rice. Fast-cooking, versatile, and almost universally-liked. We make rice in big batches because the leftovers are just as good. Here’s a few uses for this wonderful food.

1. A base for stir-fry
2. In soups in place of noodles
3. As a “mash” for breakfast with milk and cinnamon
4. Rice pudding with a custard base, warmed for breakfast
5. Rice cookies or bars
6. add to mashed potatoes to “stretch” a batch.

Rice can make any meal just a little bit bigger (unexpected guests? Hungry teenagers?) My kids recently had a run of rice pudding with cinnamon and dried cranberries. I made eight quarts and froze it in Ziploc bags in the freezer. The frozen bags went camping with us because they served as ice—and reheated well for breakfast or snacks.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

IMAGE CREDIT: FREEDIGITALPHOTOS.NET

Day 6: Two Words: Mason Jars


Maybe it’s living within a few miles of a Ball plant, or maybe it’s sentimental memories of my grandmother’s pickled beets and my great grandmother’s English Relish, but even though I’m not a canner, I LOVE mason jars. They’re the perfect organizer.

They’re durable, transparent and timeless. You can put flowers in them for a classic country bouquet, or serve sweet tea (or beer) from them for a hearty portion, but my favorite use is organization.

My kitchen countertop is lined with “staple foods” in mason jars. Oatmeal, beans, peas, barley, cornmeal, powdered sugar, powdered milk, bulk spices and home-roasted coffee. It’s great to not be tripping over this stuff in my small pantry, and also to have meal-planning so front-of-mind.

I haven’t found these difficult to clean. I dust them as I wash the countertops. I can monitor supplies (and the kids do too!) and add to the grocery list as needed.

I bought my jars new, but if you just want them for organizing bric-a-brac, (office supplies, crayons, colored pencils anyone?) try thrift stores or freecycle for cheap or free jars.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

IMAGE SOURCE: Flickr

Day 3: Love Beans

They’re not just the “musical fruit” but a great source of fiber, vitamins, minerals and protein! They’re extraordinarily versatile.

I’ve lined my kitchen with canning jars full of staples—around the back wall of the countertop that I can’t reach anyhow (I’m vertically challenged). This way I can always see what I have on hand. Pasta, black beans, split peas, orange peas, lentils, garbanzo beans, whatever. Some days it’s like dinner roulette—I grab a jar and set beans to soak, and just make up a meal around them.

Today I soaked about 2 cups of garbanzo beans, which I ended up boiling with whole-wheat pasta and turning into a fabulous cold pasta salad with veggies and a home-made vinaigrette.

If you’re like me, your prior experience with beans might be limited to split-pea soup and refried beans. Take some time to explore bean recipes from other cultures.

At the Ethiopian market I discovered a powdered garbanzo bean product that is spiced. It’s called “shiro” and when re-hydrated and boiled in hot water becomes this wonderful sticky, savory paste. You can also make home-made hummus with garbanzo beans or fava beans. Another wonderful Ethiopian food is a spice called “berebere” (only buy this at an authentic ethnic market, or you’ll get completely the wrong thing). Mixing berebere with baby lentils tastes a lot like ground beef. Consider the diets of vegetarian or fasting or vegetarian ethnic groups (Ethiopian Orthodox people fast on Mondays, Wednesdays, Fridays and Sundays, which means no meat—hence, lots of beans for protein). It’s my understanding that hindus and budhists are often vegetarians also. Take a look at the diets of these cultures.

Many beans are good hot or cold, but here’s my rule of thumb: Beans should only be served cold if they’re smaller than a peanut. If they’re bigger than that, they tend to have too much of that pasty-bean texture that is just so bland.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 1: Keep the peels/ends/etc.


I’m pretty sure that I’ve been open about our patio composting before. As a container-gardening apartment dweller, it boils my buns to buy dirt, and I hate throwing away compost-able materials. We’ve been composting since winter now and it’s going well, but I’ve recently decided to take it a step further.

Now I keep my “compost bucket” on the counter (which gets emptied out every night) and another “pre-compost” bucket in the freezer. This is where I toss onion skins, potato peels, tomato cores and peels, etc. Once the bucket has filled, I dump it into a stockpot and boil it down to stock (I did this today in the same water that had just boiled whole-wheat pasta in for pasta salad). It smelled amazing. The kids kept asking when we were having soup. I explained it was for freezing to eat in the winter—it doesn’t seem like a good idea to eat soup when it’s 101 degrees outside.

I fetched out the scraps (cores of bell peppers, stems of tomatoes, onion skins, etc.) and put those into the “compost” bucket. Since the scraps are boiled, they’ll be easier for the worms to digest and won’t attract bugs to the compost nearly as much as fresh scraps.

I froze the stock in ice cube trays and turned the cubes into a freezer bag so that I can add them as needed (a few into pot-pie, or a few into some mashed potatoes for flavor or a whole bag for soup).

I’ve done this before—and I always keep meat juices—but I’ve gotten complacent about my veggie scraps. Now that it serves the dual purpose of stock for us and better food for the worm bin, it’s that much more attractive. Also, I had to develop a system for myself—keeping the scraps in the freezer until I have a “bucketful” is working!

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

IMAGE CREDIT: The Daily Green

Ward Family Pact 7/8/09


We choose this auspicious date not because it’s fun to say 7-8-9, but because it’s pretty much the middle of the year, and it’s easy to remember.

We made a pact today to stop eating out until the end of the year. Yep, 12/31/09. No more doughnut runs on Sunday mornings, or Friday pizza deliveries or stops at the Mc’D's just because we’re too lazy to cook or pack a picnic.

This will boost our budget by the balance needed to get out of debt by 12/31/09. Everything but the mortgage. After that, we estimate we can pay off the mortgage (if we keep this house) within five years.

Cheer us on as we take on this adventure. We discovered that eating out was like “death by 1,000 cuts” when it came to our budget. What is $5 for a pastry and a coffee on the road? It’s really not much until you multiply it by the course of the year and the interest we’re paying on our debts.

No more!

IMAGE CREDIT: THE VINTAGE MOTH

Recession Breakfast

I’m planning to get back to the 30 days of financial literacy this afternoon (or maybe even tonight after the Town Hall for Hope event), but I was thinking you all might appreciate my recession breakfast recipe.

Our favorite affordable breakfast is Steel Cut Oats (also called Irish Oats). These are whole oats, which are sliced instead of rolled or crushed. Buy these bulk only, not in one of those canisters–those can be as much as $7.00 per pound. Steel cut oats should be under $.70 a pound, and right now we’re buying them 5 pounds at a time for $0.46.

To make steel cut oats, boil eight cups of water and sprinkle in two cups of oats (or halve this recipe for a smaller family). You’ll have to boil all of this for about 30 minutes. Or until it’s reached the texture and consistency that your family likes.

Top steel cut oats with a variety of different things for variety:

  • Maple syrup
  • Brown sugar
  • Butter
  • Dried fruit
  • Fresh fruit
  • Nuts (pecans are my favorite)
  • Jam/Jelly
  • Berries

Steel cut oats without toppings are 140 calories and 6 grams of protien for 1 cup prepared.

Day 14: Spend Less Than You Make

Are you spending less than you make? Are you sure? Better double-check, just in case.

I’m getting ready for the Town Hall for Hope on Thursday and thinking about what are the true, simple and basic facts about personal finance. The bottom line really is that you must spend less than you make.

The origins of PennyWise Family are pretty sad. I started this blog the day after I was laid off from my “secure” job in hopes of helping other families adjust for layoffs. We had to slash our household budget immediately and needed to figure out how.
I’ve posted tips here ever since then, but thought maybe it was time for some more frugal living tips. Hands-down, the biggest hit so far has been the home-made laundry detergent. I’ve converted many friends to making their own, and we love it. To find other savings tips use my “Ligit” search bar and enter the subject of how you want to save money and it should direct you to the right posts.

I posted earlier about how we found we had cut $1500 a month from our household budget with ordinary and small cost-cutting.

Today I’m featuring a reader’s tips. These come from Abby S., in Washington State, who used to teach school in Alaska. A lot of necessities are expensive there, so she learned some spiffy ways to cut corners. Here are a few of her list:
  • Cut dryer sheets in half to make them last longer.
  • Use dehydrated eggs for cooking sweets (I use dehydrated milk for baking Abby, but I’ve never seen dehydrated eggs).
  • Make bread from scratch
  • Make milk from powdered milk and mask the flavor with chocolate powder or syrup.
  • Buy milk in bulk and freeze it.
  • Make home-made deodorant (if it works, please send us the recipe Abby… if it doesn’t, please warn us ).
  • Learn to can/preserve and freeze.

I’m also learning about making my own dishwasher detergent, but I want to experiment with my dishes before I post a recipe here. I’d hate to etch or damage someone’s dishes with a bad one, so when I’ve got it perfected I shall let everyone know.

Thanks Abby for sharing your tips!

This is day 14 of 30 in a series for April, which is “Financial Literacy Month”

Living great, despite the layoff


Try it Now! Join Lending Club.
We’ve now reached the point (just a few months in) where I’ve completely replaced my previous work-outside-the-home income with my mobile notary business and my freelance writing. By implementing the tips I’ve been outlining here–even post-layoff our family is coming out ahead of where we were six months ago financially, as well as in peace of mind.

Here’s a brief list of what we’ve done so far, and where it’s getting us. Remember, my layoff was December 7th, and today is April 2nd.

  • Called all lenders and negotiated lower interest rates. Followed up by shredding all credit cards. Value: Priceless!
  • Learned to cost-cut around the house: home-made laundry detergent. Saves $7/mo.
  • Budget and track all expenses with Mint.com.
  • Renegotiated and repriced insurance, dropped the gap coverage on our paid-off/high-mileage cars. Saves $4/mo.
  • Used the library more. Estimated savings $20/mo
  • Developed passive income streams (adding advertising on this web site and others, as well as Lending Club interest). Earns $1.10/mo.
  • Rolled-over my fee-intensive 401K into a more affordable IRA Savings TBD
  • Found tax advantages to starting my mobile-notary and freelance writing business.
  • “Re bundled” our cable-TV package to the same service and same company at a lower introductory price. Saves $25/mo.
  • Received our tax refund and paid off an adoption loan ($150/mo, a credit card $100/mo and a student loan $110/mo). We have just one credit card left. Saves $360/mo in debt payments.
  • Refinanced our 30-year fixed mortgage, and rolled in our home equity loan ($329/mo). We put both into a 15-year fixed mortgage and will be paying just $89 more than we were paying on our old mortgage payment. (We used Smarthippo.com to find a better rate). Saves $240 per month and 15 years off the life of our mortgage.
  • Testing out some meat-free recipes for dinner. Last night the kids loved eggplant parmesan (they thought it was pizza!). Saves $24/mo.
  • Renegotiated cell-phone plan (due to new business). Saves $100/mo.
  • The layoff reduced our household’s commuting cost. Saves $200/mo in fuel.

    These tricks save us $981.10 per month, but we’ve noticed that now that all expenses are tracked, our household expenses have been reduced by about $1300 per month.

Here’s a few things that we’re not doing.

  • Working more than 45-50 hours per week.
  • Missing out on time with our kids.
  • Cutting our daughter’s preschool (we may do this to ‘snowball’ an extra $660 per month, but she’s having so much fun, we’re having her stay for now).
  • Clipping coupons.
  • Stuffing envelopes or participating in “get rich quick schemes” and “pyramid sales.”