Wednesday, April 28, 2010

The $500 Challenge Update and Link-Up

After a lot of preparation, we finally had our yard sale last weekend and thankfully the weather cooperated and wasn't an issue.

We made $180...woohoo!! I fell short of my goal of making half of my $500 through the yard sale, but honestly by the end of the sale, there wasn't much left of any real value. I have several boxes of stuff that I need to drop off at the Salvation Army for donation and I also have a few closets and drawers that feel much lighter. And my garage has a dance floor again.

Next Thursday, May 6 is the final tally post for the $500 Challenge. I have a few things that I need to wrap up before then, like cash in our change jar, review our spending for April to see if we had any reductions in spending and submit a $50 rebate.

So essentially, you have an extra week to get any last minute additions to your final tally too!

How are you doing with the challenge? If you are a blogger participating in the challenge and making updates on your site about your progress, please link up your most recent update with Mr. Linky. If you are not a blogger and are participating in the challenge, please let us know how you are doing in the comment section.

Make sure you take some time to check back over the next few days and visit the other links to see how the other bloggers are doing with their challenge. This is a great opportunity to find/meet/support other bloggers and get some ideas on how to find $500!

A few Mr. Linky guidelines:
  • Please link your most recent challenge updates to Mr. Linky. If you are not a blogger, please tell us about your challenge updates in the comment section.
  • Please post the link to your update, NOT to your homepage. To do this, click on your update post, copy and paste the whole url address into the Mr. Linky.
  • I also ask that you post a link back to Family Balance Sheet in your article.
  • 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.








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Tuesday, April 27, 2010

Front-Yard Landscaping: 15 Tips To Help You Design Your Landscape and Save Money


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I may not be a professional landscape designer, but I am a homeowner who was trying to improve our home's curb appeal and save some money in the process.

The shrubs in our front yard were original to the house and our house was built in 1969. It was time to update the look, but we didn't want to break the bank. We considered hiring someone to help us design and install our front yard landscaping, but we are do-it-yourselfers and my husband was the one that convinced me that, "we can do it!".

I have written twice about our adventures in re-landscaping the front of our home, you can read about them here: Front Yard Landscaping: We Did It Ourselves and Do-It-Yourself Front Yard Landscaping: Take 2.

We have learned many lessons along the way, some by learning the hard way through trial and error, some from books and online, and some lessons were learned by just asking an employee at the garden store. Whether you are creating a foundation, entry planting or a border, I hope our lessons learned will help you improve your curb appeal and save you a buck or two.

15 Tips to Help You Design Your Landscape and Save Money Along the Way


1.Take Before Shots
Take 'before' and 'empty' photos of the area that you want to landscape from different angles and through out the season. I like to take updated photos around the 1st of every month. It is interesting to see how plants bloom, change, grow through out the season.

Beware of the killer yews...



Without any shrubs, it already looks so much better...



2 Take Measurements of Your Space.
Measure your space and draw it out on grid paper. With the grid paper, you can draw it out to scale, which will be very helpful when placing plants. On my grid, 1 square = 1 foot.



3. Know Where the Sun Is
How much sun/shade does the area get that you will be landscaping? And where does the area face: north, south, east, west? This is very important to know, because you don't want to put a shaded plant in a hot spot or you will likely kill the plant. Some areas get morning sun and afternoon shade and vice versa. Pay attention to the area and make notes on your drawing.

4. Know Your Growing Zone
What zone do you live in? This is important to know, because certain plants thrive in certain zones. Your local garden nursery is likely to only have the plants compatible with your zone, but if you buy through a catalog or online, you will want to know this number. Here is a Plant Hardiness Zone Map or you can ask someone at your local garden center.

5. Scout out Ideas
Walk or drive around different neighborhoods for visual ideas of design and plants. We drove through an upscale neighborhood, thinking we would be 'wowed' by the landscaping, but I was disappointed with the lack of originality of the designs. It turned out that we found more ideas from an older, established neighborhood.

6. Look for Inspiration Through Books and Magazines
Head to the library for landscaping books and magazines to get ideas for plants and design.

7. Write Your Plans Down
Keep a garden/landscaping journal or notebook to keep magazine pictures and articles or to jot down ideas, notes on what you have done, what worked, what didn't work, what you like, what you don't like, etc. This will be invaluable in years to come. I do this for my food gardening as well.

8. Talk to Local Professionals
Visit multiple and local garden nurseries to look around for ideas and plant suggestions. Take your pictures, measurements, ideas and notes and if you are stumped, ask the staff for ideas. Usually the nurseries are set up in sections by sun, shade, perennial, shrubs, evergreens, etc. You should now know the type of area that you are landscaping, so be sure to go to the correct section, for example, if your spot is shaded, go to the section for shaded plants. When we were designing our front yard, we visited 3 different garden centers and I asked a lot of questions. Most of the employees were very helpful or they led me to someone who could help us. We ended up buying our plants from all three places.

9. What is Your Focal Point?
What is the focal point of your landscape? We consider the bay window the front, center and focal point of ours and were disappointed with the results of our first choice. We recently moved the original plants and planted some new ones that will hopefully work out better for us. We basically have 3 sections to our landscape: the center bay window, the left corner, and the section right in front of our front door. Yet we wanted the entire landscape to flow together, hence the need for a drawing(#1).

10. Add Interest with Color
Consider planting for continuous color. In our landscaping, the color starts with some daffodils, then the azaleas start to bloom, then the rhododendron will bloom and later in the summer the hydrangea and St. John's Wort will bloom. To create more color, I want to add annual flowers for more summer blooming.

11. Know What You're Planting



When purchasing plants, read the tags on the plants carefully. The tag should give you information about the plants sun/shade needs, water/feeding instructions, etc. After purchasing your plants, keep the tags in your journal or notebook for future reference. When your landscaping is finished, people might ask you what the name of a particular plant or shrub is and you will be able to tell them with pride, 'that is a silversword azalea'. A lot of research, work, blood, sweat and maybe a few tears...just kidding...will go into those shrubs or plants, be proud of your work and know what you planted.

12. Don't Over-crowd
Give the plants the proper space that they need. Do not crowd the plants together. This is easy to do in the beginning when the plants are small, but they WILL grow into their determined size. If a plant tag says that it will grow 4 feet tall by 4 feet wide, allow for that space. This is also where your gridded drawing will come in handy.

13. Go Native
Consider plants native to your climate and location. Your garden center can give you recommendations on these plants. We just selected 2 Mtn. Laurels for our front landscaping, a PA native and our state flower.

14. Follow the Instructions When Planting



When it comes time to plant, make sure you get instructions on how to plant your shrubs/plants/flowers. Some plants have very specific needs on how they need to be planted. Their root ball might need to be slightly above ground or maybe 2 inches below ground. It is very important for the health and longevity of your plants to plant them correctly.

What kind of soil do you have and how do you need to amend it? You also need to know how to feed and water the plants especially that first, critical year. Some plants need to be watered regularly at first and some need some space between watering. Any good garden center will have this information ready to give you when you check out and pay for your plants.

Your garden center might also offer a warranty for a plant that died, but was clearly taken care of properly. Ask your garden center for their policies.

15. Use Coupons and Buy on Sale
Don't forget to look for coupons and specials from your local garden centers. We saved $15 recently on our new shrubs from coupons that were printed in the newspaper and bonus book.



The process of designing, preparing and installing your landscape area might take you several months. That is okay, because curb appeal is important to the overall beauty of your home and it's resale potential. Landscaping can also be a costly project, but if you're up for the task you will save a lot of money by doing it yourself. It can also be an overwhelming project, so maybe you feel more comfortable hiring a landscape designer. Whether you hire someone or do it yourself, hopefully these tips will help you develop your project. By carefully planning out your area, you will most likely design a beautiful space to be very proud of.

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Monday, April 26, 2010

Apple and Blue Cheese Turkey Burgers

Apple and Blue Cheese Turkey Burgers - makes 4 burgers
  • 1/2 cup red onion, chopped
  • 1/2 cup apple, peeled and chopped, I used Gala
  • 1/2 tsp salt
  • 1/4 tsp ground pepper
  • 4-6 tsp blue cheese
  • 1 lb ground turkey

1. Mix together turkey, onion, apple, salt and pepper.

2. Divide mixture into 4 portions.

3. Divide each portion in half.

4. Shape and flatten out 1 half. Put 1 heaping teaspoon of blue cheese in the middle.

5. Shape and flatten the second half and lay on top of first half.

6. Shape the 2 halves and press sides together with your hands into one patty to about 1/2 inch thickness. Repeat this process with the other 3 portion.

7. Drizzle each side of burger with olive oil.

8. Pre-heat grill to med-high.

9. Place on hot grill and close the lid of the grill. Grill for 5 minutes on one side.

10. Flip the burgers, close the lid and grill for 5 minutes on other side or until cooked through.

11. Enjoy!


The inspiration for this burger came from JerseyMom, who wrote in the comment section of my recipe for Red Pepper and Feta Turkey Burgers about how she mixes chopped apples with ground turkey to make a juicy burger. I loved the idea and hopefully you will too. Thanks JerseyMom!


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Thursday, April 22, 2010

The $500 Challenge Update and Mr Linky

Today was the first day of our neighborhood's 3 day yard sale and thankfully the weather was beautiful. I made $70 and most of that were items from this table...

...a bunch of knick knacks that will be so much happier in someone else's home.

Seventy dollars isn't a bad start, but I need to do better over the next two days if I want to hit my goal for the $500 Challenge. I think I'll spend the rest of the day evaluating many more of my possessions and asking myself, 'do I really need this?'.

How are you doing with the challenge? If you are a blogger participating in the challenge and making updates on your site about your progress, please link up your most recent update with Mr. Linky. If you are not a blogger and are participating in the challenge, please let us know how you are doing in the comment section.

Make sure you take some time to check back over the next few days and visit the other links to see how the other bloggers are doing with their challenge. This is a great opportunity to find/meet/support other bloggers and get some ideas on how to find $500!

A few Mr. Linky guidelines:
  • Please link your most recent challenge updates to Mr. Linky. If you are not a blogger, please tell us about your challenge updates in the comment section.

  • Please post the link to your update, NOT to your homepage. To do this, click on your update post, copy and paste the whole url address into the Mr. Linky.

  • I also ask that you post a link back to Family Balance Sheet in your article.

  • 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.







Read more about the $500 Challenge here, here, here and here.

Thanks for reading FamilyBalanceSheet.

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Wednesday, April 21, 2010

Do-It-Yourself Front Yard Landscaping: Take 2

One of the most read articles on this site is my post, Front Yard Landscaping: We Did It Ourselves. It chronicles our do-it-yourself project of designing and installing a new landscape for our front yard. If you have never seen 'killer yews', I urge you to click through to that post to look at our 'before' pictures...But come back to see new pictures below.

We spent a lot of time planning the design and plants for our landscape and by doing it ourselves we saved a lot of money. We were fairly pleased with the turn out, except for the 3 Mtn. Fire Pieris plants that we planted smack dab in the middle of our bay window. It was really my fault. I didn't realize that 'slow growing' meant slow growing. The rest of our plants really took off, but those three plants just didn't fill in to the extent that we wanted them to.

We decided last fall that we were going to move them this spring to the side yard of our property. Some place that wasn't a focal point for our landscape. And then Snowpocalypse 2010 happened and when the snow melted, we didn't like what we saw. The weight of the snow flattened all three of the plants like pancakes and the middle plant was about 75% dead. We weren't happy with the plants, but we didn't want them to die; we were just going to move them.


We spent this past weekend, working on our front landscaping. I picked three new plants to replace the Pieris. I chose a red Rhododendron for the center and 2 Peppermint Mtn. Laurel plants for the sides. The Mtn laurel is native to PA and it is our state flower. They are evergreens, so they won't lose their leaves and should fill in nicely to camouflage the foundation of the house; my biggest complaint about the Pieris. I transplanted two of the three Pieris to our side yard and sadly the third plant went into our municipal recycling container.

We also spent the weekend, mulching all of the beds around our house. We purchased 3 cubic yards of leaf compost from our municipality for $35. Our municipality collects leaves in the fall and turns them into the most beautiful, rich, dark compost.

In an effort to control the weeds, I am trying the newspaper method this year. I put down several layers of newspaper underneath the mulch in a chemical-free attempt to block out the weeds.


It was a long weekend spent pulling weeds, shoveling mulch, planting shrubs, and working together. In the end we are very pleased with the turn out.

How is your landscape looking this spring? Did Mother Nature leave you any surprises from the long winter? Let us know in the comments.


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Tuesday, April 20, 2010

Small Changes In Your Home Can Protect Your Earth and Your Balance Sheet.

We are not the perfect "green" family, but these are some things that we do to reduce our impact on the environment and bonus - some of these things help our balance sheet too!

1. Backyard Composting - Currently, I have 2 composting bins. I just finished adding components to the square bin and I'm going to let that cook and hopefully by the end of the summer or fall I'll have finished compost...if I remember to turn it regularly. I just emptied the round bin of finished compost and started it up again. I will add to that until it is either too full or when the square bin is empty. I have been composting kitchen scraps, leaves and garden waste for years. I took a seminar through our county's recycling department and received the round bin for free. The square one cost me $12 through the same organization. They are fairly easy to maintain and my garden loves the finished product.

One lesson I have learned: DO NO COMPOST WEEDS! (Take it from someone who is constantly weeding her garden.) Organic Gardening magazine's site has a lot of useful information about composting.

I throw the kitchen scraps in the freezer in a plastic container and when it is full I take it out to the compost. This way I am not running to the bins everyday and the scraps don't smell or get too ripe in the freezer.





2. Rain Barrel - We have city water, so we pay for usage and I am always looking for ways to cut down on our consumption. I bought this barrel for $25 through a promotion our county's conservation district was sponsoring. Local high school students made the barrels for the program and they did a great job. You can buy "pretty" ones at big box stores, but you'll pay dearly for them. You can also do some research online and find information on making your own barrel.

My plants love the rain and I love that I can water my garden for free.



3. I have been taking reusable bags to the grocery store for years, long before it became fashionable. I switched from my small canvas bags to the store bags because they are roomier and lighter in weight. I love my pink bag that my grocery store sold as a promotion during October's breast cancer awareness month. I keep them on a hook where I keep my handbag and keys so I don't forget them when I go shopping.




4. Speaking of grocery bags, I try to avoid plastic bags. But, unfortunately we do acquire plastic bags from our newspaper, toilet paper packaging or maybe I forgot to take my own bags to Target or Kohl's. We recycle plastic bags through the grocery store's recycling program. I also use plastic bags as trash bags in our home instead of buying them. The stuffed plastic bag on the left in the picture is for recycling and the bag holder on the wall on the right in the picture is for bags that we will reuse around the house. This is definitely an area where we could improve upon. There are too many plastic bags in this picture.



5. Tap water - We do not buy bottled water. We don't need to because we have a reverse osmosis system that makes our tap water very tasty or should I say "tasteless". Honestly, our city water doesn't taste very good, so I might be tempted to buy bottled, but we don't need to because we all have personal water bottles that we take with us everywhere. This also prevents us from wasting money by buying drinks when we are away from the house. I often hear from the back seat of the car, "I'm thirsty, mommy". The reverse osmosis faucet is in the middle of the picture. We do have to buy filters yearly for the system, but we still save money by not buying bottled water...we drink alot of water.



6. I started switching to compact fluorescent light bulbs several years ago.

Energystar.gov states, "CFL bulbs use 75 percent less energy and lasts about 10 times longer than an incandescent bulbs." My husband doesn't like the mercury issue that the bulbs have, but I think I have come up with a way around that. I keep a sturdy cardboard box in the garage for old batteries and CFLs to be recycled. This reminds us not to throw the burned out CFLs in the regular garbage. Contact your local recycling authority for recycling locations for your cfls and your old batteries.


7. Junk mail - Long before the credit crisis, I stopped getting credit card applications. All applications have a phone number somewhere near the bottom of the letters to call to remove your name from their mailing list. I called and I'm amazed at how much less junk mail I receive now.

8. We avoid paper products whenever possible. This has cut down on our grocery bill and our trash. We have been using cloth napkins in place of paper towels and napkins for almost 10 years. We received some as wedding gifts and we have been using them ever since. I keep a big pile handy to clean up spills and messy little fingers and faces. I have had one roll of paper towels under my sink for about a year.



I also try to avoid paper plates. I bought this stack of plastic compartment plates at a yard sale several years ago and we use them when eating outside on our patio and to take on picnics. My kids love to eat off of these plates.


9. From April - October, I hang my laundry outside and avoid using my electric dryer. This habit has by far been the biggest money-saver. I definitely notice a difference in my electric bill when I don't use my dryer. You can read more about my adventures in outside-drying here.



What are some things that you do around your home that protect the earth and your balance sheet? Let us know in the comments.

For more green ideas, check out Your Green Resource at The Greenbacks Gal.

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Monday, April 19, 2010

Lemony Asparagus Chicken Stirfry

This is a quick, easy and hearty dish. It is one of my favorite meals this time of year when asparagus is local, fresh, in season and very inexpensive.


Lemony Asparagus Chicken Stir fry
  • 2 chicken breasts, cut into small 1/2 inch pieces
  • 1 cup asparagus, cut into small 2 inch pieces
  • 1 small onion, chopped
  • 1 garlic clove, minced
  • 2 Tbsp olive oil
  • 1 cup homemade chicken stock, or store bought chicken broth
  • 2 Tbsp fresh lemon juice
  • 1 tsp corn starch
  • zest from one lemon
  • parsley, chopped
  • cooked rice, enough for 4 servings.
  1. Heat olive oil over medium heat in non-stick pan or wok
  2. Add chicken and garlic and cook for about 4-5 minutes
  3. Add onion and asparagus and cook for another 3-4 minutes or until chicken is no longer pink.
  4. Mix together stock, lemon juice, cornstarch.
  5. Add the stock mixture to the chicken and asparagus and stir until broth is heated through and the sauce thickens.
  6. Serve over rice. Sprinkle lemon zest and parsley on top.
  7. Enjoy!
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Wednesday, April 14, 2010

$500 Challenge Update and Mr. Linky

We are half way through the month and I am busy getting ready for next week's neighborhood yard sale. I have been pulling stuff together for a few months now, but sadly I don't feel like my home is any less heavy.

I have no shortage of stuff to sell and it is sitting in piles in our garage...


...our sunroom...


and our basement. (I'm not selling the fan.)

I'm praying for good weather, because I am putting most of my eggs in this basket when it comes to finding $500.

How are you doing with the challenge? If you are a blogger participating in the challenge and making updates on your site about your progress, please link up your most recent update with Mr. Linky. If you are not a blogger and are participating in the challenge, please let us know how you are doing in the comment section.

Make sure you take some time to check back over the next few days and visit the other links to see how the other bloggers are doing with their challenge. This is a great opportunity to find/meet other bloggers and get some ideas on how to find $500!

A few Mr. Linky guidelines:
  • Please link your most recent challenge updates to Mr. Linky. If you are not a blogger, please tell us about your challenge updates in the comment section.
  • Please post the link to your update, NOT to your homepage. To do this, click on your update post, copy and paste the whole url address into the Mr. Linky.
  • I also ask that you post a link back to Family Balance Sheet in your article.
  • 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.










    Thanks for reading FamilyBalanceSheet.

    If you would like to receive FREE updates of FBS through your RSS Feed, please click here to sign up. Or sign up for FREE email updates, by submitting your email address in the top left side of this site. Or click here to follow me on Twitter.

    Topsy Turvy Strawberries - An Experiment

    A couple of months ago, we were in a Bed Bath and Beyond looking for sheets, when I stopped dead in my tracks...


    ...A Topsy Turvy Strawberry planter. You mean I can grow strawberries now even though I don't have the lawn space. I started shaking and flailing my arms in excitement as I ran to show my husband, who was like, 'that's nice, can we just pick out some sheets?'.

    You see, Strawberry season for me is right up there with the Christmas holidays. It is one of my most favorite times of the year. It is a short, but sweet season. One filled with many trips to the u-pick farm to harvest the precious bounty. It is a season filled with strawberry shortcake, strawberry ice cream, strawberry pie and strawberry sundaes. And now I can grow them myself. Life is good!

    I didn't buy the planter at that time, because it was a little early. And even with all of that excitement, I actually forgot about it. But then Frugal Babe reminded me of them when she wrote about her new Topsy Turvey Planters and I was at BB&Beyond in about 5 minutes flat.

    I am not familiar with the Tomato version of the planter, but I assume it is similar. The strawberry version cost $12.99 and I used a 20% coupon. The box states that the planter holds between 15-30 strawberry plants and the average yield of 15 strawberry plants is up to 15 quarts with proper care, feeding and sunlight.

    I headed to a local nursery who was selling a package of 25 strawberry plants for $10.99. I also picked up a bag of good, organic potting soil. Overall, I spent about $30, but strawberries are perennials, so if all goes well they will last for years...I'm going to cross my fingers.

    The 25 strawberry plants were so tiny.


    The instructions were very easy to follow. I found it easier to fill the planter while it was hanging on a shepherd's hook that I already had.



    I'm not quite sure the shepherd's hook is going to hold the planter. It got very heavy once filled with the plants and soil and then I had to add the water. My husband isn't a welder like Frugal Babe's, so I'll have to come up with another option.


    I hope my experiment is successful. As a side note, I bought 'everbearing' strawberry plants versus the 'junebearing'. Apparently they yield through out the summer instead of just a few weeks in June....we'll see.

    Have you seen these Topsy Turvy Strawberry planters? Are you going to try them out? Or are you are lucky enough to have an in-ground strawberry patch? We'd love to hear about it in the comments.


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    Monday, April 12, 2010

    Red Pepper and Feta Turkey Burgers

    Hello there, grill, I have been ignoring you and for that I am sorry. I know it was a rough winter, but at least you were covered up.

    It's spring time now and we are ready to fire you up!


    Spice up your favorite burgers with some fresh and different ingredients.


    Red Pepper and Feta Turkey Burgers - Makes 8 burgers
    • 2 pounds ground turkey
    • 1/2 Cup chopped red onion
    • 3/4 Cup chopped red pepper
    • 2 Tbsp. grill seasonings - I used McCormick Grill Mates Roasted Garlic and Herb
    • 2 garlic clove, minced
    • 8 tsp feta - I used a tomato & basil flavored feta

    1. Mix together turkey, pepper, onion, seasoning, and garlic.





    2. Divide mixture into 8 portions.


    3. Divide each portion in half.



    4. Shape and flatten out 1 half. Put 1 tsp feta in the middle. To make it easier to handle the burger, I sprayed a plate with cooking spray or you could use olive oil. Put this first half on the sprayed plate and...


    5. Shape and flatten the second half and lay on top of first half.



    6. Shape the 2 halves and press sides together with your hands into one patty to about 1/2 inch thickness. Repeat this process with the other 7 portions.

    7. Spray the each side of the burger with cooking spray or drizzle with olive oil.

    8. Pre-heat grill to med-high.

    9. Place on hot grill and close the lid of the grill. Grill for 5 minutes on one side.
    10. Flip the burgers, close the lid and grill for 5 minutes on other side or until cooked through.


    11. Enjoy!

    **Note: If 8 burgers are too many, cut the ingredients in half to make 4 OR grill all 8 and have leftovers the next day OR freeze any un-grilled burgers for later use. You might want to put parchment paper between the burgers to prevent sticking together when frozen.

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