Tuesday, September 15, 2009

FINANCES: ALDI Food Stores


Proverbs 31:27
She looks well to the ways of her household...

There is a new grocery store in our area called ALDI. I had never heard of it before but it advertises fairly inexpensive grocery shopping so I checked it out last weekend while everyone was away. It's not a particularly large store but very clean and it definitely has all the basics a household would need--produce, meats, dairy, packaged goods, bread, paper products... Most items that are not fresh are Aldi's store brand with very few national brands on display. The national brand prices were about average from what I saw. The produce looked very fresh. I bought a sampling of types of foods, fresh and packaged, that we normally eat and so far, we have been quite satisfied. It is very convenient to our home and I actually drive right past it several times a week, so I may be stopping in again for produce or last-minute items I need. They don't do much advertising to keep their prices down, so unless you go in, you won't know what they have.

A few quirks to advise you of:
  • Shopping carts cost 25 cents to use. After you've unloaded your groceries, you return the cart and insert a "key" to retrieve your quarter.
  • No shopping bags. Bring your own or you can purchase canvas bags at the store.
  • Cash or debit cards only. They do not accept checks or credit cards.

If you're on a tight food budget, this would be a good place to cut some corners. If you are partial to particular brands, at least give their brand a try to see if there is any difference in taste. I tried this with their Triscuit look-alike crackers and they taste the same to me.

Monday, September 14, 2009

FAMILY & FRIENDS: Creative Gifts for Friends





Philippians 1:3-4
I thank my God in all my remembrance of you, always offering prayer with joy in my every prayer for you...

We all have friends and acquaintances other than family that we would like to give small gifts to on their birthdays, Christmas or other special occasion. Women and girls tend to do this more than men or boys. In order to not go into the family budget I try to give something creative or handmade, but not too time-consuming. I love to take photos and people often send me nice ones as well since they know I enjoy editing and framing them. Often I'll make a simple gift of an enlargement print in a tasteful frame as a gift. We have an Old Time Pottery store AND a Bed Bath and Beyond about 2 minutes from our home where I often pick up attractive frames at deeply discounted prices. Picture prints range from 13 cents to $1.50 at the Sam's Club Digital Photo Center which is also nearby. A lovely gift with a personal touch for $5.00 or much less. Don't forget the card (I usually make these on our computer as well).

If you have another skill such as baking, calligraphy or flower arranging, these are much appreciated "homemade" gifts as well. Gift giving does not have to add financial stress. A small, thoughtful gift tells your friend that you cherish and love them.

Sunday, September 13, 2009

FAITH: Do Not Fear

Isaiah 43:1-4

But now, thus says the LORD, your Creator, O Jacob,
And He who formed you, O Israel,
“Do not fear, for I have redeemed you;
I have called you by name; you are Mine!

When you pass through the waters, I will be with you;
And through the rivers, they will not overflow you.
When you walk through the fire, you will not be scorched,
Nor will the flame burn you.

For I am the LORD your God,
The Holy One of Israel, your Savior...
Since you are precious in My sight,
Since you are honored and I love you...

Saturday, September 12, 2009

FUN: Reading Books


Proverbs 18:15
The mind of the prudent acquires knowledge and the ear of the wise seeks knowledge.

I love to read. I read books about things I am interested in, things I want to learn, things I hear about and want more information, and then the scan-the-aisles-and-grab-whatever-I-can-carry books. I also check the best seller lists to see what the rest of the world is reading and sometimes check those out as well. We live about 3 minutes from our local library which I drive past at least 2x a week taking my son to his Spanish 2 class. The library calls my name each time I pass it. I can hardly help turning in and browsing the just-checked-in carts, the Dewey Decimal aisles that I favor, and then a quick stop at the bookstore on the first floor which sells books, magazines, CDs, etc for usually less than $1.00 each. Occasionally I'll pick up eBay sale items there as well. I'm pretty much a nerd about books although I rarely BUY any for myself unless it's a very good reference book. Mostly I check them out at the library and then I can have as many as I want just about any day of the week. :)

I ran in the library for about 45 minutes on Thursday. What did I take home this week? (If you want to see what any of these books is about, I'm sure you can find them at Amazon.com.)
  • The Prodigal God by Timothy Keller
  • Table for Eight by Meagan Francis
  • Hiding in the Spotlight: a Musical Prodigy's Story of Survival, 1941-1946 by Greg Dawson
  • 500+ Time-saving Hints for Every Woman by Emilie Barnes
  • The eBay Business Handbook by Robert Pugh
  • What Will I Do With the Rest of My life? by Brenda Poinsett
  • Digital Scrapbooking by Maria Nerius
  • One Digital Day by Rick Smolan

My husband is out of town at a football game and my younger son is at a friend's house for the day... mmm.....a nice cup of coffee, the sofa and a few of these books will make a pleasant afternoon.

Friday, September 11, 2009

FINANCES: Early Principal Reductions on Loans


1 Corinthians 10:13
No temptation has overtaken you but such as is common to man; and God is faithful, who will not allow you to be tempted beyond what you are able, but with the temptation will provide the way of escape also, so that you will be able to endure it.

Here is my best tip for any type of financial debt whether it be credit card debt, car loans, home mortgage or whatever. Always pay more than the minimum payment. Study your budget and do your best to set aside a specific amount each week to make an additional principal reduction at the end of the month. The minimum payment of any loan is usually made up primarily of interest with a smaller amount paying down the actual balance of your debt. The goal is to pay this balance down as quickly as possible.

To illustrate:
Say you have a credit card balance of $5,000 @ 18% annual interest rate. The minimum payment required is $100/month. It will take you almost 8 years to pay off this debt and you would have paid over $4,300 in interest, making the $5,000 purchase into a $9,300 payback amount. On the other hand, if you add an additional $50 per month ($12.50 per week) to your loan payment, thereby making a $150 monthly payment on this same debt, it would take less than 4 years to pay it off, with under $2,000 in interest charges, a savings of more than $2,300 in interest. These amounts were calculated using Crown Ministries' Credit Card Minimum Payment Interest Calculator.

Or consider your home mortgage loan. For a mortgage of $125,000 @ 6% interest over 30 years, interest payments would be almost $145,000 making the total debt repaid almost $270,000. If, on the other hand, you make an additional $100 payment each month, the interest would be about $102,000 with the total debt $227,000, a savings of $43,000 and about 8 years less of payments! These amounts were calculated using Crown Ministries' Mortgage Prepayment Calculator.

As I've said before, the Miracle of Compound Interest truly is amazing and works both ways--to your benefit if you pay a little more; to the lender's benefit if you pay the minimum or less.

Thursday, September 10, 2009

FAMILY & FRIENDS: Exercise




Proverbs 31:17
She girds herself with strength and makes her arms strong.

I've started walking in the mornings (Monday-Friday) again. I had stopped several months ago when my left knee was quite swollen and sore (a little bit of arthritis already!). I figured that if I can walk in this Florida heat, I can walk any time of year. I try to get out the door between 7:30-7:45 a.m. on weekday mornings before the sun gets too high. I wear my iPod shuffle so I can listen to my favorite podcasts. This week my husband and I started walking at 8:00 p.m. as well. His doctor has told him he has got to lose 30 pounds over the next year so I am trying to help him by getting out and walking with him (a second time for me this week).

For the month of August I lost 6 pounds. My doctor wants me to lose 12 pounds this year so I'm halfway there already. My BMI was slightly higher than it should be (Normal weight = 18.5-24.9). I'm also following the Fit For Life routine of eating only fruit or drinking fruit smoothies until noon to help my digestion which seems to be working very well for me. My metabolism is quite slow normally and it gives my evening meal longer to digest fully before putting more food on top of it. My younger son and I also go to the YMCA 2x a week where I use the FitLinxx weight machines. I probably wouldn't go except for him and the fact that we have a family membership. Once I'm back home I'm always glad I went.

I encourage everyone reading this to get a little physical exercise every day. Encourage your family and friends to do the same. Even if someone is thin, their heart still needs some exercise. I don't believe in "no pain, no gain" but I do believe that every small amount of exercise you do all adds up to strengthen your heart and keep your weight under control. We don't know how long we will live but I'd certainly like to live well without medication and be able to stay active in my later years.

Wednesday, September 9, 2009

FAITH: God Provides


2Corinthians 9:8
And God is able to make all grace abound to you, so that always having all sufficiency in everything, you may have an abundance for every good deed...

If you're looking for a new study for yourself or a small group, Crown Ministries released their new God Provides DVD series today. Throughout history, people have wrestled with the concept of trusting God to meet their needs versus relying on the world. Through stirring accounts found in the Bible, God reveals how He wants to be our ultimate Provider. This film learning experience offers a rich, dramatic journey through six theater-quality, epic short films and printed companion guide that can be used for individual or group study.

Although I have not seen this myself, this particular ministry generally has excellent resources which are free or at great prices. Check it out.

Tuesday, September 8, 2009

FINANCES: Freecycle





Proverbs 22:9
He who is generous will be blessed, for he gives some of his food to the poor.


There are both positive things and negative things about the internet. One positive is the benefit of finding great bargains. A friend of mine told me about Freecycle, one of Yahoo Groups for free-cycling trash to treasures, one item at a time. It is listed in ReUseIt Network/RIN's directory, an online forum for people to help each other and the environment. You are allowed to post items WANTED and OFFERED. Items must be free--no trading, buying or selling. Some people are quite generous with what they offer. By checking it regularly you can really find some good items you need at no cost. I've also seen postings called CURB ALERTS where people have put items in front of their homes, usually trash pick-up day, that are in good condition. It is a good way to donate/give items that are in good condition to someone specific who really needs them.

To view the site you have to join Yahoo which is free, then choose which city you want to belong to, which is also free. Be sure to adjust how you want to receive your messages. Due to the number of daily postings, I chose to not have them sent to my email address, but rather to just view the site myself when I'm interested. It's literally at your fingertips, so check it out. You can search for items by city or the name of the item.

Monday, September 7, 2009

FAMILY & FRIENDS: Labor Day


Psalm 118:24
This is the day which the LORD has made; let us rejoice and be glad in it.

Not much time to blog today except to say that it's going to be a fun family day for us. Our older son will be home for the whole day with another family coming later in the afternoon for dinner. Hamburgers on the grill, watermelon, corn on the cob...Mmmm...Enjoy your holiday with family and friends, too!

Sunday, September 6, 2009

FAITH: Love of the Brethren

1Peter 1:22-23
Since you have in obedience to the truth purified your souls for a sincere love of the brethren, fervently love one another from the heart, for you have been born again not of seed which is perishable but imperishable, that is, through the living and enduring word of God.

My favorite cellist and I played this together at church this morning while a trio of men sang. We love because He first loved us. (I John 4: 19)

O The Deep, Deep Love of Jesus

Words: S. Trevor Francis, 1875/ Music: Ebenezer, Thomas J. Williams, in Llaw lyfr Moliant, 1890

O the deep, deep love of Jesus, vast, unmeasured, boundless, free!
Rolling as a mighty ocean in its fullness over me!
Underneath me, all around me, is the current of Thy love
Leading onward, leading homeward to Thy glorious rest above!

O the deep, deep love of Jesus, spread His praise from shore to shore!
How He loveth, ever loveth, changeth never, nevermore!
How He watches o’er His loved ones, died to call them all His own;
How for them He intercedeth, watcheth o’er them from the throne!

O the deep, deep love of Jesus, love of every love the best!
’Tis an ocean full of blessing, ’tis a haven giving rest!
O the deep, deep love of Jesus, ’tis a heaven of heavens to me;
And it lifts me up to glory, for it lifts me up to Thee!

RECIPE: Kale Soup

 Kale comes in such large packages. I don't really like it as well raw as cooked and  I had a LOT to use up. Found this recipe for kale ...