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June, 2015

  1. Stok It!

    June 28, 2015 by admin

    IMG_1123We had been discussing the purchase of a grill now that we had our own property and yard. And with careful planning, we had some money stashed away for these types of bonus purchases.

    Our STOK drumgrill is a welcome addition to our new home!

    We stumbled upon this orange beauty on a recent trip to our favorite box store. A quick google search proved their price (with 5% off and Redcard member discount) was not to be beat. We eagerly purchased it.

    We so infrequently grilled out in the past, that we were a little apprehensive about the functionality of the STOK and the ease of preparing our meals. But our new grill outperformed all our worries.

     Assembly – under ½ hour with the need for a screwdriver.

     Initial heating – discovered that we needed a few applications of lighter fluid to really bring our grill up to temp rather than simply lighting paper as the instructions recommended.

     Performance – We had a nice distribution heat on the main surface with no hot spots. But we highly recommend the purchase of a heat glove to handle the various accessories and lid.

     Clean up – It was a breeze. The entire grill was cooled down in less than 3 hours.

    Tip: Briquettes are a fire hazard. Be sure to properly handle their final disposal.

    We enjoyed our STOK grill meal so much that we are already planning future meals and an entire season of enjoyment.

    We did establish safety rules for our kids. Our grill is set up on a small concrete patio and our TRFamily rule is that when we are grilling, you are NOT allowed on the entire concrete area without asking permission of an adult first. Be sure to discuss safety and grilling with your family, too.

    Enjoy the summer!


  2. Hip To Clips

    June 22, 2015 by admin

    1-1232906989AtaJOur cupboards have numerous opened bags of chips, cookies, crackers, and nuts.  It is an epidemic of partially consumed snack foods that typically turn stale before anyone finishes an entire bag.  We favor Ball jars for a lot of snack foods, like nuts, some crackers, and cookies.  But chips just don’t work well in our glass Ball containers.

    We tried rubber bands to keep bags closed.  And it worked for a while.  But the kids tend to struggle with the bands or flat out refuse to use them after getting painfully snapped on occasion.  (Also, loose rubber bands in our house present a health hazard for our cats who will try to eat anything they can get their little claws upon.)

    The big clips labeled for chips in most box stores just don’t last long and they tend to slide off the bag.

    And then we discovered binder clips- regular office grade binder clips.  A box of 12 large binder clips cost around $3.50.  Compare that to a decorative selection of “chip” clips priced around $7 for just 10 clips.  Binder clips are definitely the frugal choice.  And binder clips stay put in place!IMG_3162

    Tip1:  Your unused binder clips can be stored right on the shelf where your chips are housed.  Just clip over the shelf and fold back the arms.  So not only do they work well, but they are always on hand!

    They even come in fancy colors (though that typically raises the price) and an assortment of sizes.

    Tip2: The smaller sized clips are perfect for bags of frozen vegetables stocked in the freezer!

    What are your food storage life hacks?


  3. Home Sweet Home

    June 14, 2015 by admin

    modrnbunglow_22190_mdWe own a home!

    It’s true.  This TR family has completed our home purchase and will soon be completely moved into a house of our very own.

    At first glance you may not consider this to be the most frugal decision.  Buying a home is a huge expense, but home ownership is actually a significant part of our journey towards controlling our expenses.

    It is easy to miss the mark on this goal and end up overextending your budget.  But if you are careful and do your research, you can indeed save money every month by buying a house.  There are many online calculators that will help you begin to determine how much house you can afford.  Be careful!  The principal and interest mortgage payment is just the start of the true monthly cost.  You should also factor in taxes and insurance (Get online estimates or help from a mortgage professional to estimate these costs in your area).  Now you will have a better idea of your base per month cost of owning a home.

    Of course, utilities and repairs also factor into the bottom line.  In most areas, you can get a history of a properties average heating and electric costs from the power utility.  You can also get estimates for costs of water, sewer or sanitation costs from your local municipal offices.  Make sure you are using all of these figures to calculate a realistic budget for yourself.

    Now that you’ve identified what you can afford, begin to seek out any assistance your city or state might offer.  We are lucky to live in an area that has many resources for home owner assistance in the form of grants or forgivable loans.  These resources are available at local state and federal levels, depending on your income, family-size, veteran status, etc.  You may also have opportunities to work with Community Development organizations that will allow you to purchase on land contract or at well below market values.  Do your research!

    Work closely with a trusted mortgage originator to talk you through the pros and cons of different mortgage loans: FHA vs Veterans vs Standard, etc.  You may or may not qualify for numerous types of mortgages that could have different impacts of what you can afford, or are allowed, to purchase.

    We are very fortunate to be saving over $300 dollars every month by purchasing our own home and we couldn’t be more excited to dive into the numerous (and never ending) home repairs/remodels/maintenance.

    Tip: Put a portion of your savings into a “home” account for future expenses so that you aren’t hit hard by an unexpected repair.

    If you think home ownership is out of your reach, we encourage you to take a second look..