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	<title>The Debt Free Blog - Guide To A Debt Free Lifestyle &#187; budgeting</title>
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	<link>http://thedebtfreeblog.com</link>
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		<title>7 Reasons Why Meal Planning Is A Great Idea</title>
		<link>http://thedebtfreeblog.com/162</link>
		<comments>http://thedebtfreeblog.com/162#comments</comments>
		<pubDate>Thu, 22 Oct 2009 19:24:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Future Planning]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[groceries]]></category>
		<category><![CDATA[habits]]></category>
		<category><![CDATA[necessities]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=162</guid>
		<description><![CDATA[Planning meals ahead of time is a great idea, since there are many benefits that come along with it. Meal planning affects many different aspects of life, including your time as well as your financial situation. No matter what situation one may be in, planning your meals ahead of time is always a good idea. [...]]]></description>
			<content:encoded><![CDATA[<p>Planning meals ahead of time is a great idea, since there are many benefits that come along with it. Meal planning affects many different aspects of life, including your time as well as your financial situation. No matter what situation one may be in, planning your meals ahead of time is always a good idea. Meal planning makes it possible for almost any size family to eat healthy meals everyday of the week on a budget.   It also gives you more time together as a family while spending less money.<span id="more-162"></span></p>
<p><strong>Saves Time</strong></p>
<p>Planning your meals ahead of time will save you a lot of time. When you visit your grocery store, take a list with you that shows everything you need for your weekly meals.  This way there will be no return visits to the grocery store for something you forgot, and you won’t waste any time deciding what you are going to have for dinner that night. Forgetting a key ingredient or having to fight in long lines at the grocery store can be very frustrating, but meal planning can completely eliminate that.</p>
<p><strong>Saves Money</strong></p>
<p>Who doesn’t like to save money?  And if you can reduce the amount you spend on grocery bills, you can save it up for something really fun – like a special night out or a family vacation.  Meal planning saves anyone a significant amount of money, since meal planning is much cheaper than eating fast food. Also, since you will be bringing a shopping list with you to the grocery store, there will be no more impulse buys and wasted food.   We’ve all fallen victim to foods that we suddenly have a craving for when we are shopping only to get home and realize that we need other ingredients to turn it into a meal.  And having a shopping list will make it easier for you to clip coupons, since you know what you will be purchasing each week.  This means even more savings to you and your family.</p>
<p>Meal planning allows you to create a calendar of what you will have for dinner each night.  If you create a menu one month at a time, you can ensure that you aren’t having chicken nuggets five nights a week.  Have an overall calendar of meals will allow you to shop for foods when they are on sale and buy in bulk whenever possible.</p>
<p><strong>Health</strong></p>
<p>Planning out what you are going to cook for dinner will make it possible to ensure you are cooking a healthy meal every day of the week.  While eating out is convenient in our ever busy world, eating fast food or at restaurants is not nearly as healthy as cooking it at home.  This is largely due to the fact that you don’t have control over  what goes in those meals.   By preparing your own meals, you can choose healthy options, like baked chicken, and add any of your favorites for a side like a fresh green salad or steamed vegetables. Most boxed or frozen dinners contain a great amount of fat and sodium, but cooking the meal from scratch can eliminate them.   You control the flavor and the fat.  You can take steps to reduce the amount of fat by adding seasoning and spices to perk up the flavor.</p>
<p><strong>Prevent Obesity</strong></p>
<p>The rise of fast food chains in the world means that more people are becoming overweight and obese. Obesity can bring on many health issues, including heart or breathing problems. It is important to prevent a child from becoming overweight and teach them the importance of balanced meals.  Cooking homemade healthy meals can do this. When you plan out what you are going to make, you can be certain that it will be healthy for the entire family.   It allows you to have a better handle on the nutritional content of your meals.   You can also tailor it to each family member’s needs.  If there is someone who needs to watch their fat consumption, you can cook grill or broil instead of fry.  If there is someone that is trying to get more servings of vegetables in their diet, you can help by offering two veggies for side dishes.</p>
<p><strong>Spending More Time With Your Family</strong></p>
<p>Because planning out your meals gives you more time during the day, you can spend it doing something that really matters. Spending time with family should be the first thing on anyone’s priority list, and being able to spend more time with them is a wonderful perk to meal planning. You can use this time to either play with your children outside, or maybe talk with your spouse about their day at work.   With the time saved with meal planning, the family can enjoy a walk together after dinner, play yard games such as croquet or bocce ball, or compete in a board game night.  No matter how you use the time, it is special and necessary to keep a family running.   And when you kids are grown up and look back on their childhood, those will be the times they remember most fondly.  Just think about all the home cooked meals that you look back on warmly.  No one cooks it like mom does.</p>
<p><strong>Teaching Essential Skills</strong></p>
<p>By including children in the meal planning process, they can learn many skills that will carry with them into adulthood.   They can help to plan the meals, and learn about the different nutrition groups.   Learning how to assemble a balanced meal is a great skill to have.  Measuring different ingredients in the meals teaches children about fractions.   Younger kids can just play with the different kitchen utensils, which allows them to explore and learn about the huge world they have yet to explore and learn about. Spouses can get in on the fun, making it possible to bond with one another by cooking a meal for each other.   Meals where each person can individually tailor food to their liking, such as making your own pizzas or a taco bar, allow a great opportunity for the whole family to cook and learn together.</p>
<p><strong>Reduces Stress</strong></p>
<p>Our world is hectic.  We are being pulled in several different directions each day.  Because we live in a fast paced world, it is important to do everything possible to reduce your stress load.   We have enough stress with our every day lives without mealtime stressing us out.  Planning meals can reduce your stress since you won’t have to worry about everything that goes into making a meal for your family. As long as you bring your list to the store and buy everything on the list, you will be all set. You can choose to either visit the store each week or twice a month, rather than a million times like before. The increased time you have will allow you to relax more often, and even feel great when interacting with your children.  If you are enrolled in a food delivery service, having a handy list makes online shopping a breeze.  Have it with you when you log in to order food and you won’t have to worry about a thing.</p>
<p>As you can see, there are many benefits to meal planning.  From the ever crucial facts of saving money and eating healthier, to reducing stress and spending more time with your family.  Meal planning only takes a little extra effort.  And once you get the hang of it, it’ll become second nature and make you life so much easier.  You’ll be wondering why you hadn’t started meal planning earlier.  And will all the time and money you save you can spend on something that really matters – your family!</p>
<p>For more great meal ideas and a free menu planning report visit <span style="color: #0000ff;"><strong><span style="color: #0000ff;"><a href="http://www.menuplanningcentral.com/order/go.php?r=3225&amp;i=l0">Menu Planning Central</a></span> </strong></span>– Watch for a great meal planning offer after you sign up and let me – The Menu Mom – help you take care of dinner tonight!</p>
<p style="text-align: center;"><a href="http://www.menuplanningcentral.com/order/go.php?r=3225&amp;i=b5"><img src="http://www.menuplanningcentral.com/images/dinner_bnr.jpg" border="0" alt="What's For Dinner?" /></a></p>
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		<item>
		<title>Grocery Shopping Tips To Help Save Money</title>
		<link>http://thedebtfreeblog.com/27</link>
		<comments>http://thedebtfreeblog.com/27#comments</comments>
		<pubDate>Thu, 15 Jan 2009 23:13:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[groceries]]></category>
		<category><![CDATA[habits]]></category>
		<category><![CDATA[necessities]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=27</guid>
		<description><![CDATA[Are you in the habit of spending too much on groceries? Do you despise going to the grocery store because you know you are going to spend too much money and too much time? If you answered yes to these questions you may want to consider the following grocery shopping tips: To save money stay [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="size-full wp-image-46 aligncenter" title="grocery-shopping-tips" src="http://thedebtfreeblog.com/wp-content/uploads/2009/01/grocery-shopping-tips.jpg" alt="grocery-shopping-tips" width="595" height="295" /></p>
<p><strong>Are you in the habit of spending too much on groceries?</strong> Do you despise going to the grocery store because you know you are going to spend too much money and too much time? If you answered yes to these questions you may want to consider the following grocery shopping tips:<span id="more-27"></span></p>
<ol>
<li><strong>To save money stay away from name brands</strong>.<br />
Believe it or, name brands and generic brands are pretty much the same. The only real difference is that generic brands are less expensive. If you don’t believe this take the time to compare the labels the next time you are at the store. You may be surprised at what you find.</li>
<li><strong>Do you use coupons?</strong><br />
If not, you are spending more than you have to. You can find coupons in the local paper, as well as online. Why not load up on coupons so you can save a few dollars here and there? This can really add up throughout the year.</li>
<li><strong>Have a list of what you need, and avoid everything else</strong>. If you go to the grocery store without a list there is no denying you will be stuff that you don’t need; this happens every time. With a list in hand, and a pen to cross off items as they go in your cart, you will save both money and time at the grocery store.</li>
</ol>
<p><strong>As you can see, grocery shopping does not have to be a nightmare</strong>. Many consumers will spend too much money while wasting an entire day at the store; this does not have to be you. Remember: buy generic brands, use coupons when you can, and have a list that will guide you through the store. If you follow these three simple tips you should find your grocery shopping experience enjoyable and cost effective.</p>
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		<item>
		<title>3 Cheap Entertainment Tips That Will Save You Money</title>
		<link>http://thedebtfreeblog.com/22</link>
		<comments>http://thedebtfreeblog.com/22#comments</comments>
		<pubDate>Thu, 15 Jan 2009 23:04:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[entertainment]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=22</guid>
		<description><![CDATA[Many people think that spending a lot of money is the only way to have fun. It is true that you can spend to have fun, but this does not have to be the case. There are many ways that you can entertain yourself, as well as others, on the cheap. Here are three cheap [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-51" title="cheap-entertainment" src="http://thedebtfreeblog.com/wp-content/uploads/2009/01/cheap-entertainment.jpg" alt="cheap-entertainment" width="595" height="295" /></p>
<p><strong>Many people think that spending a lot of money is the only way to have fun</strong>. It is true that you can spend to have fun, but this does not have to be the case. There are many ways that you can entertain yourself, as well as others, on the cheap.<span id="more-22"></span></p>
<p><strong>Here are three cheap entertainment tips and ideas to keep in mind:</strong></p>
<ol>
<li><strong>Rent instead of buy</strong>.<br />
Do you spend a lot of money going to the movies? In today’s day and age a movie ticket is almost $10. Instead of falling into this trap you can rent a movie instead. This will save you money, and will allow more people to get involved.</li>
<li><strong>Search for fun ideas that don’t cost a dime; they are out there</strong>.<br />
For instance, you could dust off your bike and take a ride, plan a hiking trip, or go fishing at a local lake. All three of these ideas are perfect if you are interested in cheap entertainment.</li>
<li><strong>Plan a picnic or party at your home instead of going out to eat</strong>.<br />
This may sound more expensive, but if everybody brings something both you and your guests will be saving money. This is a cost effective way to get a good meal while also having fun with friends and/or family.</li>
</ol>
<p><strong>Will you be able to take advantage of any of these tips and ideas?</strong> No matter who you are your answer should be yes. Forget about paying a lot of money to have fun; this is not the only way to have a good time. Once you get used to saving money and entertaining yourself on the cheap you may find that this is addicting. After all, who doesn’t find it fun to save money? The next time you are looking for something to do consider these tips.</p>
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		</item>
		<item>
		<title>&#8220;On Sale&#8221; Doesn&#8217;t Mean You Have To Buy It</title>
		<link>http://thedebtfreeblog.com/19</link>
		<comments>http://thedebtfreeblog.com/19#comments</comments>
		<pubDate>Thu, 15 Jan 2009 20:29:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[necessities]]></category>
		<category><![CDATA[sales]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=19</guid>
		<description><![CDATA[When you see a sale sign at a store what comes to mind? Believe it or not, some consumers think that this means that they have to buy the item. As you know, this is far from the case. It is a big mistake if you begin to feel that you have to buy everything [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-53" title="on-sale" src="http://thedebtfreeblog.com/wp-content/uploads/2009/01/on-sale.jpg" alt="on-sale" width="595" height="295" /></p>
<p><strong>When you see a sale sign at a store what comes to mind?</strong> Believe it or not, some consumers think that this means that they have to buy the item. As you know, this is far from the case. It is a big mistake if you begin to feel that you have to buy everything that is on sale. If you think this way you will find yourself spending more money than ever before. Even though you may be saving on one particular item you will buy more and end up in deep financial trouble.<span id="more-19"></span></p>
<p>A sale can definitely be a good thing if you are in the market for that particular item. For instance, if you go the store with the purpose of buying a suit and see one for sale you should be happy. But if you don’t need a suit and buy one just because you can save a few bucks you are making a big mistake. You only want to buy a sale item if it is something that you truly need.</p>
<p>Of course, you should not take this the wrong way. It is a good thing if you are in the habit of searching for sales. After all, this is a great way to save a lot of money throughout the year. Many items go on sale ranging from clothes to groceries to electronics and much more. But again, you don’t want to buy an item just because it is marked down; this does not make good financial sense.</p>
<p>You can avoid falling into this trap by creating a list of items to buy before you arrive at the store. This way you know what you need and what you can do without. By all means, search for sales on the items that you need to buy. Just make sure you don’t buy something just because there is a sale sign on it.</p>
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		</item>
		<item>
		<title>Spend Money On Necessities, Cut Back On Non-Essentials</title>
		<link>http://thedebtfreeblog.com/6</link>
		<comments>http://thedebtfreeblog.com/6#comments</comments>
		<pubDate>Wed, 14 Jan 2009 23:52:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free Tips]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[necessities]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=6</guid>
		<description><![CDATA[Are you the type of person who spends money on non-essentials and puts the necessities on the back burner? If so, you are running your finances in a backwards manner. You should be spending on the necessities first, and only buying non-essentials if and when you have extra money for doing so. Some people find [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-59" title="cutting-back-credit-card-crunch" src="http://thedebtfreeblog.com/wp-content/uploads/2009/01/cutting-back-credit-card-crunch.jpg" alt="cutting-back-credit-card-crunch" width="595" height="295" /></p>
<p><strong>Are you the type of person who spends money on non-essentials and puts the necessities on the back burner?</strong> If so, you are running your finances in a backwards manner. You should be spending on the necessities first, and only buying non-essentials if and when you have extra money for doing so.<span id="more-6"></span></p>
<p>Some people find it difficult to determine what they “need” to spend their money on and what they “want” to spend their money on. The necessities in life include those items and services that you cannot do without. For instance, food and shelter are necessities. You should make sure that you pay for both of these items before all else. To go along with this, clothing and utilities are usually considered necessities as well. But of course, this does not mean that you should spend all of your money so you can have a celebrity wardrobe.</p>
<p>If the above are the necessities what are the non-essentials? Many consumers spend entirely too much money on entertainment expenses. If you don’t have the money to eat out and go to the movies twice per week you need to cut this out of your budget. The same goes for buying items that you don’t really need such as a big screen television, a gas-guzzling SUV, etc.</p>
<p><strong>Do you have a budget?</strong> If so, you should be able to review it to see where your money is going. This will give you an idea of whether or not you are spending your money on necessities or non-essentials. Consumers who don’t follow a budget may never realize they are spending money on the wrong products and services.</p>
<p>Along with the help of a budget, the most financially successful consumers know the difference between what they want and what they need. Where do you fit in?</p>
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		<item>
		<title>Budgeting 101: On The Road To Being Debt Free</title>
		<link>http://thedebtfreeblog.com/4</link>
		<comments>http://thedebtfreeblog.com/4#comments</comments>
		<pubDate>Wed, 14 Jan 2009 23:48:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free Tips]]></category>
		<category><![CDATA[basics]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[getting started]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=4</guid>
		<description><![CDATA[For some people, budgeting comes as second nature. But others are not as blessed with “financial prowess” and need to do some extra work. Setting a budget is easy enough, but when it comes to following your budget you may be in a little bit of trouble. Anybody can say they have a budget, but [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-61" title="budgeting-101" src="http://thedebtfreeblog.com/wp-content/uploads/2009/01/budgeting-101a.jpg" alt="budgeting-101" width="595" height="295" /></p>
<p><strong>For some people, budgeting comes as second nature.</strong> But others are not as blessed with “financial prowess” and need to do some extra work. Setting a budget is easy enough, but when it comes to following your budget you may be in a little bit of trouble. Anybody can say they have a budget, but only those who are truly interested in financial success will follow it.<span id="more-4"></span></p>
<p><strong>Here are three basic budgeting tips to guide you:</strong></p>
<p>1. <strong>Know your income</strong>. This is one of the most important numbers for setting a budget. You need to know how much money is coming in each month so you can determine how much money you can comfortably spend. Remember to count all income including your primary job, secondary jobs, etc.</p>
<p>2. <strong>Know your expenses</strong>. Just as you need to know your income you also need to have a good feel of how much your expenses total. One rule of thumb: you should not be spending more than you are earning. If so, you are either taking money from your savings or using a credit card; both of which will harm you soon enough if you continue.</p>
<p>3. <strong>What are you going to do with your savings?</strong> The difference between your income and expenses is extra money that you have each month. What are you going to do with it? While the choice is yours you may want to think about starting a savings account, emergency fund, or paying extra on your debt. Consider all your options to ensure that your “extra” money is being put in the right place.</p>
<p><strong>The above tips are perfect for anybody who is planning their first budget or those who need to get back to the basics</strong>. No matter who you are the basics of budgeting include knowing your income, expenses, and what to do with your savings.</p>
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