10 Must-Have Kitchen Gadgets on Amazon for Under $20 

10 Must-Have Kitchen Gadgets on Amazon for Under $20 

I’m a big fan of Alton Brown and his idea on single-use items; there are a lot of really odd, single-use kitchen gadgets out there that might seem cool at first but will honestly just take up space and you’ll end up selling them at a garage sale and all you’ll have is .50 cents and a small pile of regret.

That said, there are some really cool items that fill a niche role but do it so well – or can be used for other things – that they’re absolutely worth having in your kitchen, pantry, or in your grill kit.

Amazon is a fantastic resource for cheap prices and lightning-fast shipping, but Its catalog has gotten incredibly vast over the years, so shopping for that perfect item is a slog. We’ve put together a list of 10 fun, useful, and best-of-all cheap kitchen gadgets that will delight anyone who rules the roaster in their household.

10 Must-Have Single Use Kitchen Gadgets for Under $20

single use items for the kitchen alton brown
Please note that the links below are affiliate links, which means I may earn a commission should you click through and make a purchase. This in no way impacts my recommendations or the cost to you.

Spread Butter Easier

Butter Knife Magic

Our son LOVES buttered toast but for real, cold butter is a substance that defies physics and destroys all bread it touches. This knife fixes that problem by allowing you to cut razor-thin slices, fun spirals, or spaghetti-esque noodles of butter, straight from the fridge!

Stop Boil Overs


Handy Lid

My husband is Italian, so we eat a lot of pasta during the week, but my husband is also absent-minded, so we clean up a lot of boiled-over pasta water during the week, too. This silicone lid sits on top of your pot in lieu of your traditional lid. It allows steam and bubbles to escape without boiling over and covering your stove or putting out your burners. They’re also adorable and can help strain pasta as well!

Gift Idea for Wine Lover


Kato Wine Accessories Gift Set

If you don’t drink wine, you know someone who does. I personally am not fond of digging around in the utensils drawer for the corkscrew and then trying to stuff the cork back into the bottle without sending it spiraling down into the wine itself and then having to Google if drinking cork-wine will kill me. This set has a foil cutter, a corkscrew, an aerator spout, a stopper, and even a drip ring, if you’re messy. It’s all stored in a convenient, cute wine-bottle shaped spy kit. How fun is that?

Air Fryer Accessories

Air Fryer Accessories

We had a small air fryer and we hated it – it just wasn’t big enough for anything useful. We got this particular air fryer for Christmas and it’s AMAZING. Food comes out crispy, it cooks quickly and with minimal oil, and it doesn’t take up much space on the counter. My husband uses it at least 4 times a week for dinner, and I love it because I can toss some hashbrowns or bacon into it for breakfast and go get ready while they cook perfectly. We have the manual one which is a dream, but there’s a digital one as well with more settings, if you’re into that.

Clean Grills Without the Fear of Metal Shards

The Grate Grill Scraper

Wire brushes are, while commonplace in grill-cleaning kits, very much not ideal for the task. The shards of wire can seriously hurt someone if they ingest them and it’s more common than you think. This brass – well it’s not a ring exactly, but it’s definitely a shape – cuts through stuck-on food and carbon extremely well and can fit nearly any standard grate-spacing, without the fear of metal shavings in your burgers.

Scoop Ice Cream Easier


Heat Conducting Ice Cream Scoop

Ice cream is, like revenge, a dish best served cold. This makes it fun and delicious, but also a pain in the wrist to scoop efficiently without flinging it all over your kitchen. This particular heat-conducting scoop is leagues above the traditional scoop with the little level that dishes out ice cream. Heat from your hand travels into the spoon and cuts through the icy treat and the heavy-duty utensil will stand up against even the coldest, hardest-packed ice cream possible.

Cute Spoon Rest

Splash Spoon Rest

Finding a place to put your spoon isn’t a difficult task, but this cute, fun utensil rest really makes a “splash”. With its vibrant color and deep grooves, it should keep a handle on any size spoon you need to set down for a moment.

Cut Hot Dogs Quick

Dachshund-Shaped Hot Dog Cutter

The cutest things often come in small packages, and this little hot dog …dog… is proof of that. Sometimes it only takes a little bit of fun to encourage kids to eat their dinner, and this cutter makes small enough pieces for little hands and then holds them in place. Bonus doggie dish for ketchup or mustard dipping!

Grate Cheese with Ease

 Hedgehog Grater

This little guy will look great on any countertop, ready to zest citrus, grate some cheese, or shave some chocolate. He’s easy to clean, beautiful appearance, and BPA-free, and cute as a button!

Uses for a Pizza Cutter (besides cutting pizza!)

Ultimate Pizza Cutter

Look, nobody is going to argue that pizza is the best but sometimes the cheesy pie is difficult to cut and serve without losing all your toppings. This pizza cutter gives you ultimate control, cleans up quickly and easily, and you can use it on anything that needs sliced. I use it on my kids’ pancakes in the morning, on grilled cheese, and quesadillas and while it seems such a simple thing, it really does make a big difference!

Do you have any single-task or highly specialized kitchen gadgets that you’ve found you simply can’t do without? Let me know and I’ll add them to this list!

15 Seemingly Weird Ways to Save Time & Money!

15 Seemingly Weird Ways to Save Time & Money!

When it comes to saving time and money, everyone has their own little rituals and tricks that work for them. Whether you clip coupons to save money or pre-pack your gym bag and keep it by the door to save time, you’ve surely got a couple of these rituals yourself. Surely everyone shares some of these habits – they’re pretty commonplace.

What about the more fringe time or money savers, though? I’m not talking about re-using paper towels or renting your dog out as a clown (talk about frugal horror stories!), but what about never buying kids’ clothing from department stores? Ever considered raising worms to recycle your produce and make some top-quality fertilizer? Does it get weirder? Read on to find out some of our best-kept secrets for saving time and money and please note that the links below may be affiliate links, which means I could earn commission should you click through to make a purchase.

Unique and Interesting Ways to Save Your Family Money

Interesting ways to save money

Create an easy meal plan

Creating a meal plan is of course one the best ways to save time and money, but you can take it one step further by stacking the meals together so that one rolls into another. Monday evening roast a whole chicken with potatoes and onions, maybe some carrots and then use the leftovers. How, you might ask? Simple! Prep the leftover meat for enchiladas or fajitas the next day, and then take the leftovers and make bone broth. With a little pasta and some veggies, that’s 3 meals from one chicken.

Meal plan stacking is taking one great meal that has leftovers and making another great meal from them. Did you have shrimp tacos for dinner Tuesday? Make gumbo on Wednesday. Big pot roast with tons of leftovers? Toss it into the crock pot with some adobe seasoning and peppers, and have carnitas the next night. It will save you money and time AND be delicious!

Vinegar Uses

Vinegar has literally dozens of household uses, and at about $2/gallon, it is one of the best investments you can keep under your sink.

vinegar bottle aldi

Of course you can use vinegar in cooking but if you take an empty spray bottle and fill it with 1 part vinegar to 2 parts water and add some citrus peel or tea tree oil, you’ll have a cheap, incredibly effective cleaner and disinfectant. Most of what you’d buy in the store is about 5% acetic acid (white vinegar), which will kill most germs, but if you really want to be sure, you can look for something a bit more powerful. Health food and green living stores will often sell stronger vinegar.

Cleaning fruit with vinegar is also a great way to remove the waxy grossness from apples and a lot of the pesticide residue from both apples and strawberries. Considering both the aforementioned fruits routinely make it on the dirty dozen list for most contaminated foods, giving them a quick wash in a 3 parts water to 1 part vinegar solution can really decrease the pesticides your family ingests. Vinegar will also help your strawberries stay fresh longer!

Invest in a Water Cooler

We bought a water cooler when we had our son because we wanted an easy source of distilled water. Flash forward four years and we’re still using it daily.

We did the math and the water cooler was cheaper over the expected two years of needing bottles than filters for a faucet-mounted system. The trick is after using the jugs (we bought them at Lowes), instead of swapping them out for new filled ones ( at $6.99/apiece!) we disinfect them with vinegar and refill them at about .25c/gallon at a local grocery store.

The cooler we bought also has a tap for hot water, which makes it great when I’m in need of my daily matcha tea fix or just a nice cup of chamomile before bed!

Make Notes on Your Food

This one sounds ridiculous, but consider the number of times you look at something in the fridge and simply can’t remember when you cooked/opened/bought it. We realized we were throwing out stuff that might still be good, so we bought a Sharpie specifically for the kitchen. We glued a magnet to it so it sticks to the fridge and whenever we have leftovers or open a container, we date it. This makes sure we know when things are still good and when we should actually toss them.

Because my husband follows a keto diet, we also tend to have at least three containers of heavy cream in our fridge at any given time. It can be incredibly frustrating to have to open two containers only to realize its the third one that’s already open. It’s a simple thing, but marking the cap with an “O” really helps save time each and every day!

Vermiculture – Yes, We’re Talking Worm Farming!

If you’re unfamiliar with vermiculture, you’re likely not alone. It’s a fancy word for “worm farming” and it’s a really interesting way to reduce your food waste. It’s surprisingly simple to raise worms, and though they’re not cute and cuddly, they DO provide some fantastic benefits for growing your own garden.

Essentially the worms break down organic waste like apple cores, vegetable scraps, etc. into nutrient-rich castings which you can use as a fertilizer. They also produce a sort of waste fluid called “worm tea” that is a wonderful addition to plants, making them healthier and more vibrant.

blonde boy smiling brown hair girl smiling worm farm

We set up our worm farm using a couple totes, but you can also buy relatively inexpensive ones online if you don’t have the desire to DIY. 

If you DO want to DIY, you’ll want to check out this post on how to start your own worm farm.

Vermiculture is great because it helps you reduce your food waste while also making your garden significantly healthier, and if you don’t already garden, it’s a nice extra bit of encouragement.

Toilet Paper Tube Projects

Got some kids stuck in the house all day with nothing to do? Toss some art supplies at them and give them toilet paper tubes!

Ok, maybe that alone won’t help, but toilet paper tubes are very versatile pieces of cardboard. Some ideas include:

Poke two holes in the top (opposite each other) and run a string or piece of yarn through them. Smear peanut butter around the outside of the tube and then roll them in birdseed, and voila! You have a quick, simple bird feeder that will absolutely attract some feathered friends to your yard.

Decorate the outside of one by gluing on a strip of leftover fabric and use it to hold your excess extension cords, or when you store them!

Fold the undersides in at one end and fill them with soil, and use them as seed starters in the late winter to get a jump start on that garden!

Stuff them with dryer lint to use as campfire starters!

Use your imagination for a variety of artistic endeavors – their shape lends itself well to making candle holders, for instance. With some interesting decorations you can have a spooky candle holder for Halloween, a cheery one for Christmas, or a turkey for Thanksgiving. Of course use battery operated candles!

Encourage your children to use their imaginations and you’ll be surprised at what they’ll come up with. My kids love to create monsters with lots of googly eyes, of course!

Garage Sales

As long as we’ve had kids, we have been very intentional about buying presents and clothing ahead of time. Every time we’re at a garage sale, if we see something that will fit them, we typically pick it up if the price is right. I’m honestly not sure if our kids have ever had brand-new shoes, and that’s 100% fine with us.

If you have kids, trust me – you will WANT to sell all the clothes you get, and you’ll feel WAY less bad about selling them for .50c apiece if you bought them for .50c apiece.

garage sale

The “Present Tote”

Another way we make use of garage sales though is by taking a look at what toys and games our kids might eventually like. When they’re really little this is especially easy, but basically just buy up any cool toys or games you see that are super cheap, and store them in a “future presents tote“. For instance, we found about $50 of Play-doh toys and accessories for $5 a garage sale, and it happens that our kids love the stuff. Boom, big Christmas gift, bought and paid-for.

While you shouldn’t just buy anything all the time “because it’s on sale”, if you get a really good bargain on something you know your children will love, it will save you money in the long run. 

Multitasking Hurts

The single biggest time saver (and mind saver) you can invest your energy in is to avoid multitasking. Multitasking simply doesn’t work! There may be a few exceptions to the rule, but we’re essentially single-core processing units; undivided attention to a single task proves much better results than trying to do multiple things at once. Not only will you have better results, you’ll also get it done faster and more accurately, and then you can move onto the next task with undivided attention!

Make Use of In-Store Pick-Up

This one is two-fold — first of all, using in-store pick-up will help you avoid impulse purchases while also better ensuring you don’t forget something on your list because you’re too busy minding the kids to remember you need dish soap. It’s also a huge time saver, but did you know it can also save you money? Whenever you do in-store pick-up, check with Ebates first and you may very well earn a percentage back on your purchases (meaning FREE money!!)

Ebates Coupons and Cash Back

Using Gift Cards through Ebates

Speaking of Ebates, this is a great way to stack up your savings.

If you know ahead of time that you’ll be shopping at a certain retailer, be on the lookout for discounted gift cards through sites like Raise.com. Even if you don’t do a lot of online shopping, be sure to check out Raise.com – if you know you spend money on a regular basis somewhere (like a certain gas station!), why not buy gift cards for yourself and save even more?

For example, I recently purchased a $50 Sears Gift Card for $41.90. Then I made a purchase through Ebates for $53, using mainly that gift card and earning myself a nice $4.24 back. So instead of spending the full $53, I’m actually only looking at a total deficit of $37.66 – a savings of nearly 30% and that’s just on one purchase!

Sign up via my referral link for Ebates and you’ll earn an extra $10 back on your first purchase! Worried about a catch? There is NONE! Check out my Ebates review to learn more.

Use Bubble Wrap on Windows

Seems silly, yeah? Heh or maybe you’re like me and think it just seems fun! When I first heard about this trick, I was skeptical. I’m a fan of using shrinkwrap packs to insulate my home against the winter cold, but when you have bubblewrap for free thanks to holiday packages, I figured I’d give it a shot…and it worked! Click to learn more about how to use bubblewrap on your windows as insulation.

Winterize Your Home: The Bubblewrap Method

Winterize Your Home: The Bubblewrap Method

No Inside-Out Clothing!

This one might seem a little neurotic but I consistently demand that no one throw inside out clothing into the wash. While it might only take two seconds to flip the clothing right-side out, those seconds certainly add up when you have to do it as you’re folding an entire load. Make laundry easier by asking your family to right their clothing before it goes into the wash.

Six Smart Tricks to Tackling Laundry, Make Doing Laundry Easier and Faster, Do Laundry Quicker, Spend less time doing laundry!

Click to read more laundry hacks!

Sell-By Dates

It’s not secret that we love Aldi, and one of the things we love is that they drastically mark down their meat when it’s close to the “sell-by” date. Without getting into food waste politics and such, I will say that food doesn’t magically become inedible when it’s passed it’s “sell-by” date.

When you see great prices on food at your grocer, pick it up and freeze it, or work it into your current meal plan. Obviously use common sense when it comes to food, but don’t consider food automatically spoiled just because it’s 12 hours past the sell-by date.


Invest in Amazon Prime

One of the best ways to save time and money is to shop online. I do believe in shopping local whenever possible (particularly at our Farmer’s Markets) but I’m a work-at-home mom with two very young children – I’m lucky if I remember to brush my hair every day, let alone have the stamina to leave the house. Amazon’s reach is wide, and it makes getting what we need fast and affordable. Prime does that to the next level – offering free 2-day shipping on almost anything you buy from Amazon is a huge deal. The price is $99/year if you elect to enroll annually, or $12.99/month, and while that might seem steep, it does offer a great amount of discounts, including the free 2-day shipping which will pay for itself. You can check it out for yourself with this free 30-day trial!

 

What are some weird ways YOU save time and/or money?

Comment below and let me know!

5 Very Simple Budget Cuts You Can Make Today

5 Very Simple Budget Cuts You Can Make Today

Saving money and cutting expenses are never the favorite dinner table topic, but they are vitally important for individuals and families to discuss. And while there are quite a few drastic ways to save money on your monthly bills, there are actually quite a few small but simple ways to save that you can start TODAY. These seemingly easy adjustments probably won’t have that big of an impact on your day-to-day, but could result in some substantial savings.

Here are five very simple budget cuts that you can make today:

Change Your Thermostat

Did you know that adjusting your thermostat by just one degree can result in up to 10% energy savings? Keeping our homes cool in the summer and warm in the winter is expensive, and takes a lot of energy. And, the amount of energy that you save by adjusting the temperature is substantial. Depending on where you live, the results could be even more staggering.

Part of the reason the energy savings are so high is because most electric companies charge in a tiered rating system, which means that higher users get charged substantially more. This is why even cutting back a little bit can have a dramatic effect, because it can move you out of a higher tier and into a lower one.

Start by seeing if you can handle a temperature of 68 degrees in the winter and 74 degrees in the summer. Throw on a sweater in the winter if it feels a little cool, and make use of a few box fans in the summer if it’s still a bit hot.

Continue pushing until you find a temperature that you are comfortable with, even if it isn’t perfect. If you want to take it a step further, try adding insulation to your attic, and making sure that all your doors and windows are sealed tight.

Make Coffee at Home

Grabbing coffee on the go is convenient, but it’s also extremely expensive. Cut this habit out and you’ll see immediate savings. And, it isn’t very hard to do.

Figure out how to make the equivalent of what you buy at home. If you drink regular drip coffee, this should be pretty simple. Get a cheap coffeemaker, and make sure it has a timer. Set it up the night before, so that your coffee is ready when you get up to leave. One of the biggest reasons people pick up coffee on the go is because they ran out of time to make it in the morning.

If you tend to prefer a fancier drink, like a latte, look into purchasing a used espresso machine. This will add time to your daily routine, as making a latte can take 5 minutes. But, you’ll save yourself quite a bit of money. You can also try purchasing a machine that makes the drink for you, like a Nespresso.

If possible, try cutting back on the expensive coffee drinks. Perhaps only grab one on a special occasion, or once a week.

Turn your Hot Water Heater Down

Similar to point #1, keeping your hot water heater warm takes a lot of energy. Your hot water heater has to keep an entire drum of water hot all the time, so that you have hot water when you want it. Depending on what temperature you have it set to, this ongoing process can take a lot of energy.

You would be surprised how hot you actually need the temperature set to. You might have the temperature set much higher than needed. Test different temperature settings to see how low you can go.

Cut Out On Subscription

Chances are, you have at least one monthly subscription you don’t utilize to the fullest of it’s extent. Perhaps this is a daily newspaper delivery, or the more obvious one: your cable TV subscription. Either way, try finding one subscription that you aren’t making use of, and get rid of it.

If you have an expensive gym membership, perhaps try making a portable home made gym out of a spare bedroom and picking up a few used dumbbells and kettlebells. Or make exercising a family event and workout with your kids!

Of course, you can also try cutting your cable bill, and instead go with Hulu, Netflix, or Sling Box.

The list goes on, but for most families, you’ll be able to find at least one subscription to cut out.

Stop Drying with the Dishwasher

Another easy one to put into place right now, stop using the dry setting on your dishwasher. While dishwashers have become a lot more efficient in their water usage, their energy usage for drying has not gotten a lot better. Dishwashers use a tremendous amount of energy when drying dishes, and you don’t really need to use them for this task.

Just wash, and then open the dishwasher up and let the dishes air dry. It doesn’t take any extra work out of you, except to just wait a few hours for the dishes to try.

Saving money is not necessarily a fun topic, but there are simple things you can do right away to start saving. Once you see how easy it can be to save money, you’ll have the motivation to tackle the bigger and more challenging money saving tactics.

Allen Michael Brown hair male smiling

 

 

Allen Michael is the founder and editor of The Stick Vacuums (https://thestickvacuums.com/), a website focused on helping others keep a clean home as efficiently as possible. Allen stumbled onto stick vacuums while trying to help his family keep their home clean with less work, and has since become an expert on saving money and time in your home.

Sorting Out The Basics: Insurance and Health Care Tips

Sorting Out The Basics: Insurance and Health Care Tips

Overwhelmed by health insurance options? For Americans, few things conjure the financial dread of an unexpected hospital or doctor’s visit because let’s be real – even with insurance it can be painfully expensive.

Getting your financial life in order does not mean that you should ignore your health, something that could be far more costly in the long run. That said, with the future of healthcare and insurance so up in the air right now, the fear regarding this facet of American life has probably never been more heightened, but don’t fret!

This list, while only a mere starting point, can help you identify some of your options when it comes to healthcare and ideally keep you from over/underpaying to keep yourself (and your family) protected.

Medicaid, CHIP, Medicare – What’s the difference?

Let’s get the obvious one out of the way first. If you don’t earn much money, you can qualify for one or more of these programs. They’re designed to assist the most vulnerable members of our society; Medicaid and CHIP for lower income families and families with children respectively, and Medicare for seniors.

Medicaid is a state-run program and the rules that govern the program can vary a bit state-to-state. The criteria for qualification is established by your state legislature, so you can check your state government website to find out more about income criteria. For most, it’s being under ~115% of the poverty level.

Here in Illinois that’s about $1,337 a month, but the Affordable Care Act expanded those mandates – people ages 19-64 who have income less than 138% of the federal poverty level are eligible. Again, that’s about $1,350 as an individual or $1,845 as a couple.

The coverage also differs, with various co-insurances, copays, deductibles, and premiums based on your income level, but it prevents you from going bankrupt from medical expenses. Many people won’t pay much of anything, so it’s a very good option when you’re getting back on your feet, financially.

CHIP is the same as Medicaid in terms of criteria being based on income, but it expands coverage significantly for people with children (Children’s Health Insurance Program).

Medicare is a program open to Americans aged 65 years or older, people with certain disabilities under the age of 65, and everyone who has end-stage renal failure or ALS. Like Medicaid, this program covers certain things more or less, depending on the level of coverage you want. Premiums and deductibles also change.

The enrollment for all of these programs has been simplified (to an extent) with the introduction of www.healthcare.gov, following the introduction of the ACA. You can go to that site and look up your specific state, determining if you qualify for any of the above programs. They’re not completely on-par with many private insurers, but can be better in some cases, depending on your income level.

Free Clinics & Teaching Hospitals

Many cities – particularly larger ones – have teaching hospitals with free clinics. These are a great place to get checked out without spending much or any money. Most don’t even check income levels – you simply sign in and wait to be seen.

The problems that arise from these clinics is that they are often understaffed or inundated with patients. If you yourself have the patience to wait, however, you can be seen essentially for free, but you may not be seen as thoroughly as you need to be. So be mindful that a free clinic may seem great, but it’s not necessarily a great choice unless it’s the only choice.

Thought not exactly medical, some cities also have teaching clinics for dentistry, where you can get very low cost cleanings, fillings, etc done. Again, it’s a waiting game, but it may be better than paying all your savings for a cavity, or worse, not getting the care you need.

Charity Care

Many hospitals – particularly religiously affiliated ones – offer a program called “Charity Care” or something similar. Essentially, you need to prove financial burden or sufficiently low income, and they will pay off some or all of your bills.

Quick story here – When my husband and I first started dating (like maybe four dates in), he sent me a text at 3am saying “You probably won’t want to date me anymore…”

Yeah, anyone else thinking he cheated? Because I did. And I lost it. Like what the hey, we JUST started dating and you’re already cheating??!

Oh. But no…

He had a blood pressure issue and passed out at a friend’s house, concussing himself on the way down. Unfortunately, his insurance had lapsed, because he’d just graduated college two days prior. The ER bill total was around $3,500 – a bill that was pretty insurmountable for a guy working at a sandwich shop with no insurance. He spoke to the financial services department and got the bill reduced substantially, and fortunately was able to pay the rest of it off with no problems.

Negotiation

Along the lines of #3, many hospitals are very willing to work with you on your bills, provided you contact them as soon as possible after the services. Solutions include bill reduction, payment plans (some will take anything over $10/month, no matter the size of the bill), or temporary forbearance of the bill for a period of time. Failing everything else, this is almost always going to work in some way to alleviate the burden of a huge bill all at once, so don’t hesitate out of fear. The longer you put off talking to them, the harder it’ll be to reach a deal that benefits you both.

Healthcare Exchanges

This goes back to #1, because the same website – www.healthcare.gov – that you use to qualify for Medicaid will also bring you to the exchanges if you make over the Medicaid limit. The exchanges are set up to offer a premium discount on the insurance you end up buying.

The amount is, once again, dependent on your income. The issue here, however, is the exchanges appear to have a rather sizeable blind spot; for a single person without children, income amounts between around $18,000/year and $29,000 a year don’t get any assistance. Under that amount, and you probably qualify for Medicaid. Over it, you get the premium assistance. It’s frustrating at times, but it’s another tool to ensure that you’re insured, and the premium assistance is actually pretty significant – typically at least half.

Student Insurance

Because of the ACA, most colleges – particularly state colleges – have started mandating that their students are covered by some level of insurance. Because of this, those same colleges usually offer student insurance at a significantly reduced rate.

For instance, a local University’s plan looks like this:

Blue Cross Blue Shield
$400 deductible
~ $110/month premium
They pay 80% after your deductible is met and they only require copay on prescriptions

This is incredible coverage, even if the price were doubled. The only caveat is you need to be taking at least 1 credit hour of on-campus classes, but one credit + the cost of insurance would still only be about $210/month.

Enrollment is automatic, and even with class fees and tuition, you’re still possibly looking at less total cost than healthcare on the exchanges, depending on your situation. In addition, if you’re already going to college, it’s totally worth it in most cases to be enrolled in the student insurance (unless you’re still under your parent’s plan).

Charities

Along the lines of charity cares specific to a hospital, local charities often help pay difficult medical bills for families in need. Check with local churches, and often food banks or crisis/domestic violence care centers will have contact information. Again, this is more of an “emergency” sort of situation, but it’s worth asking if you need the help.

Health shares

Health shares are newer programs that are typically structured around faith communities. In it, people share the cost of medical procedures across a very large group. This creates a scenario where someone will be covered for anything because everyone pays into the pool, and everyone benefits. These are typically tied to Christian communities, but if you’ve got the option, they may be great for you.

Living frugal means living healthy!

Medicine is about helping people, not bankrupting them. Without going into a broader, more convoluted conversation, let me just say that health insurance shouldn’t be as intimidating as it is. We all deserve the opportunity to make healthy choices and see a doctor when needed. And as I said, I know this list is just a small dip into the world of health insurance, but hopefully it’ll help you get started on making better choices today.

Do you find making health insurance choices overwhelming?

Sound off in the comments below and let me know what you think!

How to Create an Easy, Healthy Meal Plan on a Budget

How to Create an Easy, Healthy Meal Plan on a Budget

Creating a healthy meal plan on a budget can be tricky. We so often have the best of intentions: we develop a meal plan(ish), buy our groceries, fist pump when we’re $16 under budget, and then suddenly your two year old is screaming, the baby has a rash, and making that Pinterest-worthy quiche for dinner is the last thing on your mind because McDonalds here we come!!

The guilt of feeding your toddler a Go-Gurt and cheeseburger for dinner doesn’t weigh as heavy as your eyelids from not having slept all week, so you brush it off and pray you get to bed before midnight tonight. You tell yourself you’ll do better next week. You’ll create a better meal plan that is healthy but that allows for some flexibility. This week was just a rough week. Next week will be better…hopefully…

But then next week comes and your budget is all out of whack because you went over your food allowance thanks to one too many “happy” meals and the produce you bought last week is now squirrel food and and AND….

Take a breath. I’ve been there.

Creating (and sticking to) a healthy meal plan can be tough when we’re constantly pulled in a thousand different directions and there’s only so many minutes in the evening to get things done. Fortunately I can help.

A few simple steps can be the key to keeping your family fed and healthy, and your wallet fat and happy.

(Please note this article contains affiliate links, which means I may receive a commission should you click through. This in no way impacts my recommendation of any products/services.)

How to Meal Plan on a Budget

How to meal plan on a budget

Take Your Time Meal Planning

“Step 1: My TIME? Did you miss the memo about my lack of time??! Thanks, Amber…”

Stick with me, dear reader. If you’re creating a meal plan just before you go grocery shopping, you’re going to create a panicked, rushed menu that might be short-sighted or be missing key ingredients; suddenly it’s Wednesday, you’re supposed to have lasagna, and you don’t have marinara sauce or noodles.

One of the best ways to start your meal plan is to flip through your local grocery ads. This way you can craft your menu around the great deals being offered on produce or meat that week.

You should also take the time to consider what your kids will actually eat, what’s in season, and what day of the week your grocer creates sale prices. Often you can find meat or produce drastically marked down on a specific day of the week because it’s nearing the end of its shelf-life. This doesn’t mean it’s bad, but just that it’s nearing the time in which it can still be sold.

It’s especially important to keep an eye out for great deals on meat, because that can be frozen and used at a later date, and still picked up for half the cost of what it was just one day before.

Cook Once, Eat Twice

Cooking enough for your family is a given, but if you take five minutes to cook extra of the base ingredients, you can save yourself thirty minutes in the long run.

If you’re cooking a grain like rice or quinoa, or a big pot of pasta, it takes hardly any extra effort at all to toss some extra in and store it individually for a future meal. In fact, to get the most mileage out of the time spent cooking, you’re shortchanging yourself if you’re not getting at least dinner and a lunch out of your efforts.

In addition, cooking a large batch of a grain or pasta on a Sunday will leave you with a base from which to work later in the week for the meals on your plan. This cuts down significantly on the prep work for the weeknights, time far better spent relaxing with your family.

cheese on a chopping block

Put Your Leftovers to Work

Beyond simply increasing your portions for future meals, a good meal plan flows together as the week goes on.

Cooking a protein on Monday can mean that Tuesday’s dinner is already prepped. For instance, you can roast a chicken on Monday night then shred the leftovers, toss in some seasonings, and have chicken tacos on Tuesday!

This is a great way to make the most of the leftovers you have, even if reheating leftovers isn’t necessarily your thing.

A dinner meal plan that flows might look like this:

Monday –Crockpot Chicken and Veggies
Tuesday – Chicken Tacos
Wednesday – Bolognese and Quinoa
Thursday – Mostaccioli
Friday – Tilapia
Saturday – Thai Lemongrass Tilapia Curry Soup
Sunday – Sirloin steaks
Monday – Steak stirfry

You also want to take into consideration what produce you can cut up ahead of time for multiple meals. For example, we make a vegan bolognese that incorporates a lot of the same veggies that go into korma so I often try to make those meals close together.

Cut once, cook twice!

Shop Locally, Shop Seasonally

I went looking for eggplant the other day and when I finally found it at the local HyVee, it was exceptionally expensive. I swear I just bought one for like $1 the other da….oh, nope, that was three months ago. Heh. Oops.

When I last bought eggplant, it was from the Farmer’s Market when they were at their peak and everyone had dozens of them for sale. When fruits and vegetables are in season, there’s an abundance, and what’s more you can get them from local farmers that are concerned about how they manage their produce. Normally you can count on food that’s not doused in pesticide, or eggs that are free range and fed normal feed instead of industrialized garbage.

Learning to find out what produce is in season is a great way to train your body to enjoying a wealth of different foods, not to mention how much better they taste than the tiny, off-season offerings we have at the stores now. If you’ve shopped for zucchini in the last few months, you know what I’m talking about – they’re tiny! I’ll wait until summer when they’re the size of small dogs and bursting with flavor, not to mention cheaper.

How Big is Your Chest?

Being able to freeze leftovers, extra meat you purchased on sale, or in-season produce can make all the difference when it comes to eating healthy on a budget. Not having enough freezer space can be quite costly, so consider investing in a chest freezer.

If you have the time, canning is considerable work with a wonderful payout, but again, there’s that catch – if you have the time. If you don’t, freezing can be a viable substitute for in-season fruits and vegetables that are plentiful and cheap. Buying in bulk, divvying up into containers or baggies, and then freezing produce is a great way to stretch those dollars.

Similarly, you can buy a lot of meat in bulk from local farmers (we’re talking a quarter of a cow!) for a great price and then freeze it all, using as you need it.

If you’re patient, you can usually find someone on Craigslist or a Facebook resale page selling an old deep freeze for cheap. It doesn’t need bells and whistles; it just needs to get and stay cold.

ebates referral

Use Cash

As I often recommend for many of those who have a harder time sticking to a budget, use cash. Figure out how much you’re going to spend on groceries per week and get to the ATM.

This allows for two things:

1. You can see exactly where your money is going in a way that using a debit or credit card doesn’t allow for.

2. It discourages impulse spending.

Keep a tally as you shop so you know whether or not you can actually afford that sweet treat or a six-pack (no, sadly, I do not count that as an essential!)

Know Where to Cut Back

We used to have a pretty insane food budget per week – $200 for our family of three (at the time). And we’d go over it sometimes! That’s pretty much the definition of insane idiocy!

Knowing we had to cut back (and quick!) we started first by developing a meal plan and tracking where our biggest expenditures were coming from.

Once we had a good grasp on how much we were spending and where we were spending it, we began by cutting it down a bit each week, and as of the time of publishing, we’ve cut it in half.

$75 for (now four) of us is much more palatable. There are still days we go over a bit, because having two little ones is nothing if not busy. That’s ok, though! At least the days of going over $200/week are done and gone.

Here’s how we cut back:

– We started off only cutting $20/week and saw how we had to adjust and what we were comfortable with/without.

– We changed the stores where we bought most of our food. Schnucks became Aldi and believe me when I say we’ve never looked back.

– We buy most of our dry goods online and in bulk. 10lbs of quinoa for $25? Hello!

– We improved the quality of the food we eat, and by that I mean we cut out a great deal of the processed foods and replaced them with whole, natural produce, meat, eggs, and dairy that actually left us sated.

– We cut out impulse buys significantly by only using cash to make our purchases. Aldi is a two-fold boon here, because they only take cash or debit cards. It helps with this strategy.

Shop Online

As I mentioned above, we often buy a lot of our dry goods online, such as pasta, flour, and sugar. While your grocer probably has a lot of what you’re looking for, chances are it’s going to be more expensive than you need to pay.

An example of this would be quinoa – we use a lot in our household because it’s incredibly healthy, very versatile, and can be used in a huge variety of applications from savory to sweet, breakfast to dinner. Local stores, if they even have it, usually charge $5/lb+, but on Amazon, I recently bought a 10lb bulk bag for a little over $2.50/lb, and that includes shipping.

Of course you want to see your meat and veggies up close and it’s unlikely you could get those things online at a good price anyway, but buying bulk pantry items from Amazon.com is a fantastic way to stock up without burning a hole in your wallet. Plus they deliver straight to your door! Oh, how I love online shopping…(Don’t forget to use Rakuten and Ibotta to save even more!!)

Simplify

Trying to cook elaborate meals when you have an infant and a toddler is like trying to catch a bunch of flies when you’re surrounded by bullfrogs; it doesn’t make sense. Your kids likely don’t care what they’re eating, if they’re eating at all, and your spouse is too busy going from odd stain to odd stain, deciphering if they’re spills or spit-ups, to care if your dinner looked amazing on Pinterest.

If you need to make a meal of jarred alfredo and rigatoni, with some frozen broccoli tossed in, then do it. It would only cost about $4 and would easily feed a family of four!

Sometimes you simply want a big salad for dinner, and you know what, that’s great! Salad comes together in minutes, can be full of healthy proteins, fats, and veggies, and can be incredibly cost effective.

My point is that homemade dinners don’t need to be elaborate or expensive. Like ever. Don’t stress about it.

Get Familiar

Starting a new week with five new meal ideas, even if they’re simple, is a recipe (haha) for disaster. I’m not suggesting you never branch out to try new foods, but you should always have a good amount of solid, well-liked recipes in your repertoire so that you can pull an old standby out in a pinch. Remember how your older relatives always had actual physical recipe boxes? Use those!!

This also helps you easily gauge what you’ll need for leftovers or a flowing meal plan since you’re already exceptionally familiar with the ingredients and cooking involved.

Visualize Your Plan

Buy a magnetic white board, some wet erase markers, and stick it to your fridge where you’ll see it daily. From there, write down your meal plan so that everyone can see it, you are constantly aware of it, and there’s no surprises.

An added benefit to having it on a white board is being able to erase and adjust as needed. Just like having cash at hand when you go to buy groceries, awareness helps inform every decision you make, from purchase to plate.

This will go a long way to creating savings and efficiency in later meal plans.

Now go meal plan

This post isn’t exhaustive by any means, but it’s a great place to start if you want to cut your expenses and still eat healthy food.

If you focus on eating the majority of your meals at home, meals comprised of whole foods and minimal waste, you can improve your health and the health of your finances.

Remember, we’re not just trying to save money, we’re trying to save time so we can improve the quality of our lives.

Happy planning! 🙂

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