Showing posts with label Frugal Friday. Show all posts
Showing posts with label Frugal Friday. Show all posts

Friday, June 17, 2016

Frugal Friday - Make Your Own Chicken Broth

Nothing is more frugal than making your own chicken broth out of totally free ingredients (most of which you would normally throw away).  You can make it on the stove top, but I like to do mine in the slow cooker, cooking at least 12 hours and sometimes closer to 24 hours.  You can also make two batches of broth from the same bones, but the second batch is weaker, so I don't usually bother.  I also tend to have chicken carcasses accumulate in the freezer, so I just start a new batch.  


It is simple as adding chicken bones (carcasses from a roasted or rotisserie chicken work great, as well as raw odds and ends) to water and cooking.  After cooking, strain out the bones and bits of veggies. The basic broth is simply bones and water, but I also save carrot peelings, skins and ends of onions, celery that has passed its prime, etc., keeping them in a bag in the freezer until I start the broth.  If you want to kick it up a notch, you can add chopped garlic or garlic powder, a bay leaf, and any other herbs or spices you like to use with chicken, and of course you can use fresh onion, carrots, celery, etc. If you add a splash of vinegar, it pulls more calcium out of the bones and you don't taste it at all. I like to roast the bones first, putting them in the oven and roasting until they turn a golden brown.  This definitely adds a depth of flavor and color to the broth. Some people think it is gross, but I also sometimes buy raw chicken feet from the local Asian market - they are very nutritious and add natural gelatin to the broth. I usually do not add salt, choosing to add it to whatever final dish I use the broth for.  

You can freeze the broth in ice cube trays, then move the cubes to a freezer bag, but I have a tendency to end up with multiple jars or freezer bags of broth taking up a disproportionate amount of room in my freezer, so I started condensing it down into my homemade chicken bouillon.  It is so convenient to use - no need to defrost before using, and a gallon of broth condenses down into just over a cup or so. 

The broth is wonderful as a base for soup, of course, but I also use it in place of some or all of the liquid when cooking rice, quinoa, pasta, dried beans, or making homemade Cream of Mushroom soup. If you are sick or having digestive issues, a simple cup of the broth by itself is very soothing and healing.

Friday, May 27, 2016

Frugal Friday: Online Shopping with Coupon Codes

Long gone (or few and far between) are the days when I could walk around the mall (or Target) with a Starbucks Coffee and shop. Did those days ever really exist? Now it's a hustle because I'm pressed for time or I am toting around small children.

Online shopping has changed drastically in the last decade or so. You can buy almost anything online. You can arrange for free shipping, shipping to store, store pick up....ship it to a friend or to a vacation spot. Amazon Prime has completely changed my life. You can order just about anything and get it within two days for FREE. Never mind all the other benefits! We had an entire post to review all the benefits - and they are still adding them! If you haven't tried it - get your free trial and give it a go.

But I digress... One of the biggest benefits to online shopping, aside from not needing to leave your home, is coupon codes. Many brick-and-mortar stores have coupons, but you have to get the newspaper, or sign up for their emails and be on the lookout. Many of these coupons have an online code printed on them. There are hundreds - probably thousands - of websites dedicated to listing all these codes. It can be quite exhausting to go through.....


Have no fear - it can be so much easier! A few weeks ago, I found a browser add-on called Honey. Honey finds and (on most sites) auto applies coupon codes to your order. The first time I used Honey was on Old Navy. Old Navy allows the use of multiple coupon codes - Honey found and applied the four best! And it's so much easier than searching and copying and pasting!

Honey even has a rewards program. It's called Honey Gold - and you can earn cash back at several stores (list here).  Of course you can still use ebates - and any credit card rewards programs you have for even more savings / cash back. If you don't have rebates, you can read about it here.

Friday, March 18, 2016

Frugal Friday: DIY (Starbucks) Latte

We spend a lot of time here on the blog (and in real life) discussing YNAB and developing some frugal habits. In honor of Frugal Friday, I am going to make a confession: I was a Starbucks addict. I will admit that while I didn't buy every day, I did find myself purchasing far too often. Not only was I buying a coffee, but I was strong-armed into purchasing baked goods. My toddler can recognize a Starbucks and knows they have cake-pops, cookies and muffins!

Yes, that's me in my PJs, drinking my coffee

For years, I have been dying to make my own "Starbucks" drinks - with almost no success. They just didn't taste the same. This winter I finally figured out why - and I have perfected the DIY Starbucks latte. This has done wonders for my budget (and decreased the number of times per week I have to fight with my toddler - and that is always a win). A Grande French Vanilla Latte from Starbucks costs a whopping $4.15. I make my own for only $1.20 per latte. This does not take into account that I usually spend less than the national average on milk or that when purchased through a Starbucks in Target, you can use your red card and save 5%.

Espresso Shots

The first problem with the recipes I've tried in the past is that most of them are made with regular coffee. Lattes are made with espresso. This makes a huge difference when you're trying to figure the coffee to milk to syrup ratio. We have a Delonghi Espresso Maker. It is highly rated on Amazon and reasonably priced. The savings pay for it pretty quickly! Once you figure out How to Pull the Perfect Shot with your machine, the ratios are a little easier to get right. The right brand of espresso, and syrup also makes a difference.You can purchase Starbucks brand espresso, and the same syrups they use in store (except white mocha).

mmm Coffee

The Breakdown: $0.40 for Shots + $0.80 for Syrup + $0.36 for milk
  • Espresso: You can purchase a bag of Starbucks brand espresso beans (the same one in your lattes) for $12.95. A 16 oz bag makes approximately 64 shots of espresso at $0.20/shot. It takes 2 shots to make a grande drink.
  • Syrup: Online Starbucks retails the syrup for $12.95 a bottle, but I purchased mine in store for a hair under $10. Some internet sleuthing reveals a pump of syrup is approximately 1 tablespoon. The container of syrup states that a serving size is 2 tablespoons, and there are 33 servings per bottle; for a grand total of 66 tablespoons per bottle.  This boils down to $0.20/pump. It takes 4 pumps to make a grande drink.
  • Milk: According to the Bureau of Labor Statistics, the average price of a gallon of milk at the end of last year was $3.50. This breaks down to approximately $0.03/oz. A grande takes 12 oz of milk. 
The Ratios
  • Tall Latte (12oz) = 1 shot + 3 pumps syrup + ~8oz milk
  • Grande (16oz) = 2 shots + 4 pumps syrup +  ~12oz milk
  • Venti (20oz) = + 3 shots + 5 pumps syrup + ~14oz milk
  • (Milk ratios vary between hot and cold drinks due to foam)

Friday, March 11, 2016

Frugal Friday: Receipt Reward Apps

In the past we've discussed a few different rewards sites and apps, to get you more for your money. These apps included check-in style apps like shopkick and rebate apps/websites like ebates. We've also reviewed a few "coupon" rebate apps that require you to scan a receipt like ibotta and checkout 51. I'm an avid user of both shopkick and ebates, but don't often need products from ibotta and checkout 51. If I'm being completely honest, the latter products have fallen out of favor.

There are, however, 3 more apps I use regularly. One of them I can recommend, but have only recently started using and have yet to cash out. The other two earned me well over $50 in less than 6 months. All three of these apps require you to scan your receipts. The companies use these receipts for market research. I often save receipts to enter into YNAB, so I just scan as I go. All of these can be used in conjunction with shopkick and other cash back apps, reward programs, or cards.



Receipt Hog is the first app I ever downloaded that paid you for scanning receipt. It's easy and has a cheesy hog gimmick. Some receipts yield coins, other may yield a turn on the "hog slots" - a free slot game within the app that can gain you 2-10 points. Coins are awarded by the receipt total. One person also wins their last shopping trip in coins. Reaching a new level will give you bonus coins. Cash out starts at $5, but the more you save up the better deal the cash out is. Every qualifying receipt earns you a sweepstakes entry (I have never won). Learn more here


Receipt Pal allows you to submit both receipts and e-receipts. You can submit 4 receipts per card and receive 2 cards per week (though unused cards do not disappear). Additional receipts only qualify for entries to a $250 sweepstakes. This is probably the simplest app to use. Cash out with as little as $1. Includes Amazon and Paypal cash outs. 


Yaarlo is the newest of these apps, and the newest to my phone. It has many cash out options including Amazon, Target, Panera, Starbucks and Macys. Paypal is also available but has a $20 minimum. Typically Yaarlo pays more per receipt than the other two apps. Per their website FAQ, points are based on the receipt category with percents ranging from .10% for wholesale clubs to .25% at grocery stores, and restaurants. Some stores fall under promotions where you can earn up to 5% back. Recently they have added a shop 'n earn category featuring 1%-4% back (Just like ebates). Learn more here or Join now using code RACHAEL724 and get bonus points! 

Friday, February 12, 2016

Frugal Friday: Shopkick

Do you have a smart phone? Put it to good use! Over a year ago, I posted on how to get more bang for your buck using a few different apps. One of these apps was shopkick, a phone app that rewards you for going to the store. 


Shopkick is a phone app that rewards you for simply going into the store. You receive points every time you walk into a participating store. You can also receive extra points for "scanning" items. I'll be honest, I never scan. You can use your points for gift cards. So far I have used Shopkick to redeem $60+ in gift cards. My favorite store to get points at and redeem gift cards is Target.

Generally speaking, you get about 35 points for entering any store. On bonus days some stores will have 150 to 200 or more points for just walking in the store. I go to Target on a regular basis, at least twice most weeks. It's almost no extra working, considering my phone is already out because I have my shopping list on it, and I use Target coupons, and cartwheel. Give it a try here

If you're wanting to be super frugal, and perhaps a bit competitive - a friend of mine used to shopkick to spice up what would otherwise be a boring errand run with her significant other. They had a contest of who could scan the most items, the quickest. A modern day scavenger hunt if you will.......free gift cards and bragging rights??? 

[There are a few more check-in type apps out there. I have given a few of them a try, but have yet to receive any rewards. I'll be sure to write about them when I do. Are there any apps you use? We'd love to hear about it!]
 

Friday, January 29, 2016

Frugal Friday: Ebates

Over a year ago, I posted about one of my favorite ways to get a little more bang for your buck: Ebates. With the new year here, and some changes to the program, I want to make sure everyone knows about it!

 Ebates is a way to get cash back on purchases you are already making. It is a website, but is also available as an app. You may have even seen some TV commercials for it. I've been using this site for nearly 3 years. I don't make a lot of online purchases, and I forget about ebates almost every other time. Initially Amazon was not included, which is a majority of my online shopping, but it is now. However, in that time, I've gotten over $150 back on purchases I was going to make regardless. This cash is in addition to cash back from my credit cards rewards program. Cash back ranges from 1% up to 10% or more. Additionally, Ebates includes sales and discounts for some stores.


So how does it work? When you're ready to do some shopping, go to the ebates website (or app) and log in. Then search for the store you want to shop at. Ebates will display how much cash back and the terms. Click the store, and a ticket will open into a new window, then the store website itself will be displayed. At this point you shop like normal. It sounds like a lot, but it honestly adds 30 seconds to your shopping experience.

Ebates actually has recently added the ability to get cash back for in-store purchases at certain stores if you link your credit card. Again, this is in addition to any discount, loyalty programs, or credit card cash-back programs you are already a part of.

Ebates policy allows for a certain number of days before your cash back appears, but I typically see it within 48 hours. Cash is sent back to you each quarter. Typically it's sent back via paypal, but sometimes there are options for gift cards.

New users receive a $10 gift card after their first $25 purchase, so sign up today.

Friday, January 22, 2016

Frugal Friday: Bing Rewards

In addition to our Quick Tip Tuesdays, here at Modern Mother Cubbard we are starting Frugal Fridays. Like the QTT, these post probably won't be every week, but you should see them on a semi-regular basis.

This week I want to talk about one of my favorite frugal finds: Bing Rewards. Bing is a search engine from Microsoft. If you create a Microsoft account, Bing rewards you for all your searches. How many times a day do you search? You could get rewarded for it!



So how does it work? Sign up for an account here. Change your default search engine to Bing. For every 2 PC searches you earn from 1 point up to 15 points. You also earn 1 point for every 2 mobile searches up to 10 points. On your rewards dash board there are usually three links to click. These links range from current events to neat pictures for a total of 3 more points. On Tuesdays, they have a quick trivia game (takes me literally 1 min) for 3 more points. So daily you can earn a minimum of 28 points, just for changing your search habits! To put that in perspective, $5 rewards start at approximate 500 points.

Rewards range from sweepstakes to xbox credits to skype credits to gift cards for Starbucks, Sephora, Macys, Fandango and Babies-R-Us. My favorite use of my rewards so far is for a free month of Hulu! We are cord cutters, haven't had cable for two years. I use Hulu to watch many of my favorite shows. Thanks to Bing, I haven't paid for Hulu in over a year! $7.99/mo doesn't seem like much, but I have saved at least $100 at this point, and received hours of entertainment!

Here's some more information from the Bing Rewards FAQ.