Friday, March 4, 2011

Are You Ready for Rising Gas Prices?


The headline in my local paper on Wednesday was "Pumped UP". There was a graph showing the price of gas as of Tuesday was $3.29 vs. last month's price of $3.11 vs. last year's price of $2.69. Sixty cents more than last year. Yikes!

A petroleum analyst, who was quoted in the article, was projecting that we could be paying anywhere from $3.65 - $4.05 by Memorial Day. It sounds like we might be headed back to the summer of 2008. Double Yikes! Of course it is only a projection and hopefully he is WRONG!

I don't want to be a Debbie Downer, but I am keeping my eye on gas prices. Our business was affected by higher gas prices in 2008. Some customers confided that they couldn't continue to buy our product because gas prices were taking a bigger chunk out of their budgets. Many businesses and families were affected by the summer of 2008's gas hikes.

While my husband and I will continue to charge forward with our business, I'm still going to keep a sharp eye on gas prices.

Personally, I'll be more watchful over wasteful driving and idling. With the warmer months coming, we'll frequent the businesses within walking distance instead of driving distance. And I'll combine all of my errands into one trip. While I don't consider myself a wasteful person; these are things that I have taken for granted when gas is $2.69/gallon.

How will you deal with rising gas prices? Were you severely impacted the last time gas hit $4/gallon? Let us know in the comments.

Thanks for reading. If you would like to receive FREE updates of FBS, there are four ways to do so:

Image: m_bartosch / FreeDigitalPhotos.net

Wednesday, March 2, 2011

Eleven Tips for Easier Menu Planning | Kitchen Economics Link-Up

Groceries are the one area in our household budget that I feel like I have the most control over. The weeks that I take the time to plan the menu are the weeks that I have control over our spending. The weeks where I don’t menu plan are the weeks that I’m at the grocery store multiple times or we get take out multiple times, leading to an out of control grocery spending.

Menu planning saves me time. Sure, there is time spent upfront; about 30 minutes for me each Sunday when I plan my menu and make a grocery list. But that 30 minutes makes my grocery trip go much smoother and with a pre-planned menu, dinner hour is spent preparing the meal, not wondering, “what are we having for dinner?”.

Menu planning saves my sanity. I no longer pull my hair out at dinner hour trying to figure out what ingredients I have on hand that would go with the frozen chicken that I did not take out in the morning to thaw. Because I menu plan, I pull frozen meat from the freezer the night before my planned meal. Because I menu plan, I'm not stressed over the inevitable question around 4 o'clock in the afternoon, "mommy, what's for dinner?".

Menu planning saves me money. With less trips to the store and a pre-planned list, I am hopefully limiting any impulse and redundant purchases. I also revolve my menu around what is on sale, so I'm spending less on our meals.

Eleven Strategies for Easier Meal Planning:

1. Pick a day that works best for you to do your meal planning. I plan my menu on Sunday afternoons when I have the new week’s grocery flyer in front of me. I try to keep my large weekly grocery shopping to one store unless there are some loss-leaders elsewhere.

2. Plan your menu around what is on sale at the grocery store that week. If whole chickens are on sale for .79/pound, you can bet that my menu that week will revolve around a roasted chicken, maybe Chicken Noodle Soup or Chicken and Black Bean Quesadillas or Pulled Chicken BBQ Sandwiches. I am always looking for great sales on our staples like chicken, turkey, fruits, vegetables, bread.

3. Keep your pantry, freezer and refrigerator organized so that you can cross reference what is on sale, the ingredients needed for recipes and what you have on hand.

4. Develop a system. I started using a menu/grocery list clip board and it works really well for me. It keeps my menu and list all in one place. You could also use a blank calendar or a simple notepad.


5. Get the family involved. Ask THEM for suggestions. Every week when I ask my , kids I inevitably hear, "I want pasta". My husband will chime in, “let’s grill”. I do try to appease everyone and it makes meal time a little more enjoyable.

6. On your designated planning day, pull out the family activity calendar. What is going on in the week ahead? Will everyone be home for dinner that week? Is there soccer practice, mid-week church activities or a late night at the office? On those hectic nights, quick and easy meals will be needed. Maybe even a crock-pot meal. Are you going to a pot-luck that week or somewhere else that would require you to make and take a dish? I make those notes on my clip board and then fill in meals accordingly.

7. Plan for breakfast, lunch and dinner. On hectic mornings, life is so much easier when breakfast is planned and there are ingredients on hand. Also, my husband tries his best to come home several times a week for lunch, so I need to make sure there will be food for him.

8. Plan for all seven days. I've been lazy in the past and just planned for the work week and ignored the fact that we do need to eat on the weekends. We usually eat out one night, but if I don't plan the other six days, then it becomes more than one night out and we end up over budget in that category.

9. Create a recipe binder. My binder is a very important part of my kitchen. It is full of recipes from magazines, friends, and online that I have collected over the years. Some people keep their recipes on the computer, but I don't have a convenient spot to keep my laptop when I am cooking, so I keep my favorite recipes in a binder. The first page in the binder is a master list (see photo below) of my family's favorite, quick fix, healthy meals. It is a quick reference tool, but I don't list all of the recipes in my binder, just the family favorites that are a regular part of our meal rotation. When I look in the freezer and see several packages of ground turkey, I then look on our list under Turkey for recipes.


10. Avoid boredom by trying at least one new recipe a week, maybe on a day that isn't hectic. For those hectic days, refer to your Master recipe list for easy suggestions.

11. Do you have an ingredient, but are stumped as to what to do with it? Check websites such as CookingLight.com or Allrecipes.com where you can enter a particular ingredient and the site will recommend recipes for you. This is how I found Turkey Sausage, Arugula and Sun-Dried Tomato Pasta and Roasted Tilapia with Tomatoes and Olives, two of our my family's favorite meals. And of course, don't forget to check the Recipes Tab at Family Balance Sheet for meal ideas too.

For me, meal planning is the strategy that saves me the most money on groceries. By planning our meals around what I have on hand, what is on sale at the grocery store and what my family likes to eat, I have been able to reduce our grocery bill to a number that I am comfortable with for our budget. But that one week where I don’t menu plan or do a shoddy job on it is the week that I’ll blow my budget. Menu planning takes a little time and effort, but the rewards are a reduced grocery bill, no worries at night about 'what's for dinner', and hopefully a less stressed cook in the kitchen.

Do you plan your meals? How often do you plan? Weekly, Bi-Weekly, Monthly? Let us know in the comments.

This post is linked to Frugal Friday at Life as MOM.



Welcome to the first Kitchen Economics Link Up ~ Cost Cutting Tips to Help You Save Money in the Kitchen.

A few Link Up guidelines:
  • Please link a your cost-cutting kitchen tip. If you are not a blogger, please let us know your tip in the comment section.
  • Please post the link to your tip post, NOT to your homepage. To do this, click on your tip post, copy and paste the whole url address into the Link up widget.
  • I also ask that you post a link back to Family Balance Sheet in your article or grab the badge that is in the top left of the site.
  • If you are reading this post via a reader or email, you will need to click through to post your link and to visit others who have linked up.

I'm looking forward to reading your tips and saving some money in the kitchen.



Thanks for reading. If you would like to receive FREE updates of FBS, there are four ways to do so:

Monday, February 28, 2011

Roasted Tilapia with Tomatoes and Olives


Super fast to prepare. Super easy to make. Super delicious to eat.

Am I sounding like a broken record? I think I start a lot of my recipes with similar descriptions, but busy life calls for fast and easy meal preparation and delicious is non-negotiable. If it's not delicious, I don't make it again and I'm certainly not going to post it for you.

Roasted Tilapia with Tomatoes and Olives
adapted from Cooking Light
  • 1 lb tilapia fillets, probably about 3-4 fillets, depending on their size
  • ¼ tsp salt
  • ¼ tsp pepper
  • 1 (10-14 oz) can of diced tomatoes with green chilies
  • ¾ cup chopped Kalamata olives, or black olives **see side note below**
  • 3 Tbsp chopped fresh flat-leaf parsley
  • 3 garlic cloves, minced
Combine the tomatoes, olives, parsley and garlic in a bowl and mix to combine.

Sprinkle fish with salt and pepper. Coat a rimmed baking sheet with cooking spray and place fish on sheet. Pour the tomato mixture around the fish.


Bake in a preheated oven at 375 degrees for 20 minutes or until fish flakes easily with a fork. Serve with the tomato mixture on top of the fish.

Side note: I made this dish with Kalamata olives from the olive bar at our grocery store. The price for those olives ranges from $5.99-$7.49/lb. That might scare some of you away, but I only bought what I needed and I paid less than $2 with a few left over to munch on. We feel it is worth it. The briny olives taste so much better than olives from a can. Try it once and see what you think, you can always go back to the can, but I bet you'll be a convert too!

I served the fish with roasted asparagus. Enjoy!

Print recipe for Roasted Tilapia with Tomatoes and Olives

Thanks for reading. If you would like to receive FREE updates of FBS, there are four ways to do so:

This recipe is linked to:

Saturday, February 26, 2011

Kitchen Economics ~ A New Carnival


A new carnival is coming to town, Kitchen Economics ~ Cost Cutting Tips to Save You Money in the Kitchen. Every week, I'll share a kitchen tip that saves my family money in the kitchen. I'll invite bloggers to submit a link to their money saving posts and invite readers to include their tips in the comment section.

If you haven't heard, food and grocery prices are expected to rise over the next few months. My goal is to always save my family money, but not sacrifice the quality of food that we eat. That is sometimes a challenge, but it's a worthy one.

So please join me here on Wednesdays, with your money-saving tips and recipes, for Kitchen Economics. Let's inspire each other to keep the quality, but reduce the price.

The first link-up will be Wednesday, March 2. Looking forward to seeing you here!

Thanks for reading. If you would like to receive FREE updates of FBS, there are four ways to do so:

Thursday, February 24, 2011

Now I Remember Why I Don't Go To The Mall

I stopped by the mall yesterday to return something that I bought online at Gap. I was able to return the item at the store and the mall is very close to my daughter's pre-school, so not out of my way.

As I was walking in the mall with both of my kids I was trying to remember the last time I was even there. I think it was last August when I was shopping for school clothes for my 5 year old.

It is a pretty basic mall with Macy's, Sears and JC Penney as the anchor stores and then Gap, Limited Brands, Children's Place and others fill it in. I just don't have much of a need to go there very often.

As I was walking down the mall towards the exit, a woman jumped out at me from her kiosk where she was selling hand lotions. I politely said "no thank you" and she said "it will just take one minute" as she grabbed my hand and pulled me in. In no time she was buffing my finger nails and slathering cream on my hands all while offering my kids a piece of candy to keep them entertained.

"Don't you just love the feel of your hands now", she asked, placing a bag of products in my hands. "It is valued at $79.99, but today I give it to you for $39.99".

WOW, how can I refuse that bargain?, I thought sarcastically. But instead I politely declined. "But you like the products. Why wouldn't you buy them?" she responded.

Now my patience was really wearing thin. I had let this go on too long. I should have stood my ground at the very beginning and not waste her time or mine, but she was being very pushy and aggressive with me and I was done.

"I'm not here to buy hand cream. I just had to do a return. I don't have any money with me today and I'm sorry, but I'm not interested", I said. Just then, my kids who were being extremely patient and good, but of course they were given candy in the beginning, came up to me with very messy hands. The chocolate candy the lady had given them was more appealing to play with than to eat and their hands were a chocolaty mess. Good save, girls. This is one time I'm not upset that you made a mess. As I turned my attention to my kids, I grabbed some wipes out of my bag and we walked/ran away.

This sales person was very aggressive with me and didn't take "no, thanks" as an answer. My husband thinks I should call the mall and complain, but I'm over it and NOW I remember why I don't go to the mall!


Thanks for reading. If you would like to receive FREE updates of FBS, there are four ways to do so: