Monday, February 9, 2009

How far would you go for $25?



I received this invitation recently in the mail from Nissan, it states "Receive a $25 gift card when you test-drive a new 2009 Nissan vehicle." Okay, I thought, a $25 gift card is nice, but when I opened the invitation and saw it was a Target $25 gift card I got excited. The restrictions are pretty straight forward, "No purchase necessary. To receive gift card you must bring the invitation and take a test drive in a new and unused Nissan by 2/28/09 at a participating dealer. Must be 18 and have a valid drivers license."

We are not in the market for a new car and I'm not good at lying so I would be doing the test-drive simply for the gift card. Is that fair to the dealer? Am I just wasting their time? The auto industry is hurting right now like a lot of businesses and they are trying to drum up some business. But $25 at Target would be nice...

What do you think? Have you received this type of invitation recently? Would you take advantage of the offer?

Friday, February 6, 2009

Finally... a good mail day of my own!


I finally had my own good mail day. I sign up for all of these great samples from various sites online and then I forget about the deals until they come in the mail. Today I was very surprised with the loot in my mailbox. There should also be a Cascadian Farms granola bar with the coupon but my 3yo grabbed that right away. I was pleased with the coupon for FREE Cascade Rinse in the Home Made Simple coupon booklet. I also received a Soyjoy bar and a coupon for a FREE Diet Dr. Pepper.


Wednesday, February 4, 2009

Spring must be around the corner - I got my CSA registration!!

It is frigid outside and that darn groundhog saw his shadow on Monday so now we have 6 more long weeks of winter...but I received an email yesterday that gives me hope that spring isn't too far away.

I received my registration form for our local CSA. CSA stands for "community supported agriculture". Our CSA happens to be certified organic and this is how we are able to afford to eat as much organic produce as we do. A CSA is when community members pay a local farmer an annual fee to cover the farm's production costs. In return members receive a weekly "share" of fresh, local, in season produce. Wikipedia's description describes it in further detail.


Our CSA share lasts 28 weeks from May thru November; it usually ends right before Thanksgiving. We purchase a half share which is usually enough produce to last us a week or less, but for us the whole share would be too much. With our CSA, if we prepay by April 1st, our payment is $374 for 28 weeks or $13.36 of organic produce a week. You have to break down the weekly payment to really understand the savings. There is no way I could buy this much organic produce at a grocery store for $13.36 a week. The weekly share follows the local harvest schedule which is posted on our CSA's website. June is one of my favorite months because we get strawberries and if you have never had a local organic strawberry - it is heaven. August and September are BIG months with loads of tomatoes, peppers, onions and summer squashes. I also look forward to fall with the winter squashes, sweet potatoes and kale - yummy!!


Another plus about a CSA is that my family is learning to eat and love veggies that I never would have thought to buy, like kale, swiss chard, and collard greens. This will be our sixth year with our CSA and I had never eaten those three greens before we were members.


While there are still costs with the CSA, I just don't have the yard space or time to garden where I would harvest this much produce. I do have a small garden where I grow a couple of extra tomato plants and peppers for freezing. In another month or so I am going to start to plan out my little garden spot.


Another perk of our CSA is that they have occasional "you pick" days on their farm. They are usually on Saturdays and it gives us extra produce at no additional cost. Our farm also has a potluck picnic sometime during the year and last year at the picnic they gave out extra produce again at no additional cost. I think I came home with at least 3 weeks worth of extra produce such as peppers, carrots, onions, and winter squashes. I promptly cleaned and chopped it up and put it in the freezer.



Is eating organic important to you? Are you members of a local CSA?

Tuesday, February 3, 2009

What's for dinner? 2/3 - 2/7 2009



or breakfast? I had some over-ripe bananas and we made some banana oatmeal muffins yesterday. The recipe is for bread, but I always make muffins to save baking time and muffins are easier to freeze.
...and now for dinner this week...
Tuesday - Soup & Salad night - Broccoli cheese soup - very easy recipe that my mom has been making for years. It is only 4 ingredients and it cooks in the crock pot. 8 oz cheese whiz - (you read that right;does it take you back to your childhood?), 2 cans cream of celery soup, 1 pint half & half, 2 packs frozen chopped broccoli (in the box). I am also going to make for the first time, Buttermilk Quick bread, it was in my jan/feb Cooking Light magazine. I couldn't find the recipe on line yet.
Wednesday - Chicken & black bean tacos
Thursday - baked chicken, steamed broccoli, brown rice
Friday - OTE
Saturday - Leftovers

Monday, February 2, 2009

It is time to tweak our budget.

I was reviewing our budget over the weekend. I have some tweaking to do as some categories have changed recently. A couple categories will no longer be used and our spending in another category has changed dramatically. I use Quicken for our personal finances, but I have created an extensive excel spreadsheet to help me split out my checking account balance by my budget categories. I have about 18 categories and each one is a tab on my spreadsheet. Each tab is a running total of its category and the tabs add up to a total page. The total page must always match my total balance in Quicken. My dh thinks I am crazy, but I have done this for years and it helps me keep control of our checking account and our budget. Quite frankly I was never able to really keep a budget until I split my checking account out this way.

The two categories that are going away are Toby and our van warranty. Toby, our beloved dog who passed away unexpectedly on New Years Day, had his own category for his food and visits to the vet and kennel. Our van warranty was purchased when we bought our van in July 2007. We were allowed to pay it over the course of 18 months without any interest or additional fees and the last payment is in March. With these two categories going away I am now left with some additional money a month to put towards other things. While I would much rather have our dog, this is a good thing.

I also wanted to adjust the amount of money I have been setting aside for fuel for our cars. I increased the amount over the summer when gas hit $4.00, but I never went back and adjusted the amount now that gas is back down to under $2.00. I built up quite a cushion, but I have used some of that money for other unforeseen bills. I am going to reduce my gas budget for now and leave a cushion for when gas goes back up. I do believe it is not a matter of IF gas will go back up but WHEN, probably sometime in the spring or summer. I will keep an eye on it and adjust this again when the time comes.

So now with some extra money in our budget I need to decide where to put it. I will look back on our 2009 financial goals and take those into consideration. The money that was going towards our van warranty will now go towards our van loan to help accelerate that. I haven't made any other decisions, I will discuss with dh this weekend when we have our family balance sheet meeting.


How often do you review and change your budget? How many categories are in your budget?