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	<title>The Debt Free Blog - Guide To A Debt Free Lifestyle &#187; habits</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>
		<item>
		<title>To Haggle Or Not To Haggle?</title>
		<link>http://thedebtfreeblog.com/104</link>
		<comments>http://thedebtfreeblog.com/104#comments</comments>
		<pubDate>Wed, 02 Sep 2009 09:02:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[basics]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[habits]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=104</guid>
		<description><![CDATA[That is the question&#8230; I say yes! More and more people these days utilize this shopping strategy. I am not exception. I haggled and will continue haggling regardless of my financial situation. Even if I save just a dollar by haggling, I am satisfied. Am I cheap? No, I am just concerned about my money. [...]]]></description>
			<content:encoded><![CDATA[<p>That is the question&#8230;</p>
<p>I say yes!  More and more people these days utilize this shopping strategy.  I am not exception.  I haggled and will continue haggling regardless of my financial situation.  Even if I save just a dollar by haggling, I am satisfied.  Am I cheap?  No, I am just concerned about my money.<span id="more-104"></span></p>
<p>A few years ago, when everything was fine and dandy in my world, I went shopping for a bedroom set.  I went to a little family-owned store and found what I liked.  The owner of the store came up to me and asked how he could help.  I told him straight up that I would buy the set for $700.00 (the set was priced at $1500.00).  He looked at me like I was a little crazy, and maybe I was, but I wanted to take my chances.  He said he would not be able to meet my expectations.  I paused for a moment and on the way out I said to him that his competitor was willing to sell it to me for $750 and I asked the owner if he wanted his competition to have my money.  I think at that moment he made a decision to sell the set for $700.00.  It wasn’t easy to negotiate the price in this case because I was asking for a huge discount, but haggling for something a little bit more reasonable is very easy.</p>
<p>Just about a month ago, I went to my dentist for a regular check up which regularly priced at $99.00.  However, for the first time visitors, the price is only $49.00 for the same exact service.  I told my dentist that the only way I can stay with him is if he gives me the same price as for his new clients.  What do you think?  Not only did I get this discount, I have also been told that they will continue giving me this discount at my future visits.  Not bad at all!</p>
<p>These days, you can haggle anywhere, even at the stores such as Macy’s, K-Mart, Target, etc.  It is not very easy to haggle for groceries, but big items such as appliances, furniture, home improvement products and such are very easy to get discounts on, especially right now when the economy is down.  The retailers need to get rid of their inventory and the service providers want to stay in business.</p>
<p>I am absolutely shameless about haggling!  One of my friends said that she does not feel comfortable doing it, because she wants the store owners to make some profit and that she would not want to take something away from the business owner and his/her family.  What?  This is crazy!  You should never feel that way.  In the example above, if the owner of the store did not make any profit at all on the bedroom set, there is no way he would ever sell it to me for such a deep discount.  See, there is such a thing called “markup”.  Every retailer marks up the price.  Here are a few examples for you:</p>
<ul>
<li>Jewelry markup could be up to 500% (yes, you read it right!)</li>
<li>Clothing-up to 50%</li>
<li>Furniture-up to 60%</li>
<li>Appliances and Electronics-up to 30%</li>
<li>Sporting Goods-up to 45%</li>
</ul>
<p>See?  The next time you feel bad about haggling, think twice, because, most likely the retailer you are purchasing from is not thinking “Oh, My God, I cannot charge this person too much because I do not want to take money away from his/her family.”  Businesses are there to make profits; otherwise, they would not exist.  Haggle as much as your heart desires.  If you do not ask, you will never know.</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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