Stewardship

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Gifts that Give Twice

Just in case you haven’t noticed, Christmas is only two weeks away. I’ve already posted some suggestions to help you in your holiday gift giving. In that November article, I mentioned how last year we had “given” my husband a goat that would actually go to a needy family in the Dominican Republic.

Since then, I have done some research into various organizations worthy of your donations. Some have gift catalogs, such as the one we ordered from last year. You can “purchase” anything from carrot seeds to medical supplies to clean water for a village. Others just accept donations. You can designate a specific fund, or opt for “where the need is greatest.” They may offer to send you a gift receipt that you can wrap and place under the tree. We like to make our own at home—our family is big on word-processed scrolls, tied up with a red ribbon.

Large nonprofits such as World Vision and Compassion International have stellar reputations, and you won’t go wrong sending them a donation. But since they are familiar to most people, I’m going to introduce you to three of my favorite smaller ministries. These are Godly people doing Godly work, but without the big budgets and big names.

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Cheapest Fill-ups for Your Gas Tank

Your gas tank is sitting on empty, and it’s time to fill ’er up on your way to work. But with prices changing daily, which local gas station has the cheapest gas today?

Bgasbuddy_logoefore you hop in the car, check out GasBuddy.com. It’s a simple website that lists many (unfortunately not all) of your local gas stations, and gives the current prices. You can search by city, state, or zip code. As I write this in early October, our local prices range from $2.03 to $2.45/gallon. Considering we usually put around 12 gallons into our Subaru’s tank (we try not to let it get too low), that’s a potential savings of over $5—nothing to sneeze at.

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Budgeting Your Organic Dollars

There are two piles of apples in the produce section of my market. The first, at $2 per pound, are grown conventionally. The other pile, at twice the price, have been grown organically. Which apples should I buy?

Every time I go to the market, I have to make the decision whether or not to buy organic. If my food budget was unlimited, it would be easy. Organic farming is better for the planet. It’s better for the field workers. And it’s better for the consumer. But organic food is also more expensive. Given that our family is on a strict food allowance, I need some sort of criteria to help me decide when to spend extra and when to buy the cheapest available.

Happily, a bit of searching came up with a list of commonly purchased food items, and their average pesticide load when grown by conventional farmers. You can find it at the Environmental Working Group’s website.

Seeing that apples score among the highest produce items for pesticide load, I’ll definitely spring for the organic ones. Onions and peas, however, are traditionally grown without a lot of spraying, so I’ll stick to the cheapest ones I can find.

I think I’ll print out this list and stick it in my wallet for my next trip to the market.

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Your Credit Report Card

“What do you mean, they said ‘No’?” We had been turned down for a new business credit card, even though our credit rating is exceptionally good. We were dumbfounded. What in the world could possibly be wrong? As it turned out, lots of things.

Our credit report was full of mistakes. The first and most obvious error? Apparently, some tired typist had combined Pete’s and my social security numbers into a new one that most likely belongs to someone else. I wonder what their report is like.

Then, the reporting company dinged us for having no major credit cards, even though our personal master card was listed on the report, and we were applying for a business card with the same financial institution! This was so inconceivable, the website provided no way to fix the problem.

And finally, information about our previous business card (and our perfect payment record) was entirely missing, even though we’d had it for years before the company that issued it went belly-up.

(There were additional errors that we were told weren’t significant, such as the zillion different ways people spelled “Holzmann.” Right.)

Unfortunately, it’s hard to run a business, even a non-profit one, without a credit card.

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Too Much Stuff

“We’d like to move to a smaller house, but what would I do with all my things?”

I looked around the once-lovely home we were visiting, and saw shelves filled with books, photographs, collections of figurines, teapots, and sea shells. End tables were decorated with candles, bowls, and more figurines, to the point where there was no place to set my mug of tea. The coffee table had a glass top, with even more “collectibles” displayed inside. At one end of the room, a set of glass-fronted display cabinets held several dozen plates, an assortment of cut glassware, and even more figurines.

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Cheap Eats: Membership Warehouses

The current issue of “Real Simple” magazine contains the statement, “… members-only markets can be an indispensable source for saving on essentials, such as steak, shrimp, and [washed and bagged] salad greens.”

OK, here’s mom’s advice: If you are trying at all to cut costs, steak, shrimp, and bagged salads are not essentials. They are special treats, maybe even reserved for occasions such as birthdays or anniversaries.

Buying groceries at Sam’s, Costco, or similar store can definitely save you money. But remember, just because something is cheaper doesn’t make it cheap. This brings us to the question: is a membership warehouse always cheaper?

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Cheap Eats: Marketing tips

You want to eat like a king, but your budget is more on the peon level. What to do? Don’t despair. Help is on the way.

How you do your marketing can impact how much you spend on food, as well as how healthy your meals are. Now that you are learning to cook, you can skip those frozen dinners, boxes of mixes, and the tasty-but-expensive pre-made meals in the deli. Instead, look for staples that can be used in a number of different ways.

I have a number of ingredients that I keep on hand at all times. Granted, I live quite a distance from the nearest market, plus I have plenty of storage, which makes it more convenient for me to store stables, compared to someone with a closet-sized kitchen and ready access to groceries. But there are some basic foods that most cooks use often enough to stock. You can see my list on my Mom’s Pantry page. Yours will be different, of course. This is just a starting place.

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Cheap Eats: Learn to cook

So you would like to spend less on food. This is one of the easiest places to trim the budget, but it will require a little effort on your part.

The single best way to save money on food is to learn to cook!

It is usually much cheaper to purchase ingredients rather than prepared meals. The results are more nutritious and frequently lower in sodium, fat, and calories.[1] With a little bit of practice, your meals will taste a lot better than the packaged, frozen “convenience foods” available at the market. Cooking doesn’t have to use a lot of time or expensive ingredients. Plus, it just feels satisfying to serve a meal you made yourself.

Learning to cook isn’t hard. A recent Amazon search turned up 93,928 cookbooks, while a Google search turned up 98,400,000 hits for “recipe.”  Most functional adults are able to follow at least  simple directions for preparing a dish.

I never learned to cook when I was growing up, so I had to figure things out on my own. Since I was a college student at the time, it seemed totally logical to pick up a textbook and start reading. At the time, the most popular comprehensive cookbook was The Joy of Cooking, so that is what I read. It provided a solid foundation that still serves me today. The fun started when I got to the point where I could wing it, inventing my own recipes as I went along.

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