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	<title>The Debt Free Blog - Guide To A Debt Free Lifestyle &#187; Saving Money</title>
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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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		<title>More Grocery-Shopping Money Saving Ideas</title>
		<link>http://thedebtfreeblog.com/146</link>
		<comments>http://thedebtfreeblog.com/146#comments</comments>
		<pubDate>Thu, 22 Oct 2009 06:54:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free Tips]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[basics]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[groceries]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=146</guid>
		<description><![CDATA[When you hear an advice on how to save money on grocery shopping, most likely you will hear to shop for store brands, eating before shopping, using coupons and making a shopping list. In “Grocery Shopping Tips To Help Save Money” I covered 3 most popular money savers, but I do want to talk a [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: left;">When you hear an advice on how to save money on grocery shopping, most likely you will hear to shop for store brands, eating before shopping, using coupons and making a shopping list.  In “Grocery Shopping Tips To Help Save Money”  I covered 3 most popular money savers, but I do want to talk a little bit more about those and other grocery shopping ideas that I have been utilizing for the last few years.   I can’t say I have always been this way, but tough times call for “extreme” measures.  If you really want to see some savings, try using some of the following tips:</p>
<p style="text-align: left;"><span id="more-146"></span></p>
<ul>
<li>Plan your meals for the whole week and create your grocery-shopping list based on the ingredients needed to prepare those meals. <a href="http://www.menuplanningcentral.com/order/go.php?r=3225&amp;i=l0"><strong><span style="color: #0000ff;">Menu Planning Central</span></strong></a> has created a simple solution for meal planning and a grocery list creation.  I love this simple online software!  Their trial membership is basically FREE ($0.01), then it is about $7.00/month.</li>
</ul>
<ul>
<li>Make your shopping list based on what you need.  It will keep you focused and it will prevent impulse buying.  Do not buy an item just because it is on sale, only stick to the items on your list.</li>
</ul>
<ul>
<li>All financial gurus and hopefully your own common sense tell you- Do not go grocery shopping when you are hungry.  I have done it myself before and I must tell you first hand when I am hungry and I walk in to the supermarket, I start drooling and my eyes tear up.  Then I just start grabbing anything that looks good to me.  These days, to curve my hunger, I have a snack before I go grocery shopping.</li>
</ul>
<ul>
<li>Start paying attention to the “private-label” store brands.   A lot of manufacturers use the same exact recipes for brand names and store brands.  It is all in the ingredients.  Compare those products yourself the next time you are at the supermarket.</li>
</ul>
<ul>
<li>Why not sign up for the store’s savings card?   This is probably one of my favorite ways of saving money and seeing savings right away.  A few years ago, I was standing at the check out and the shopper a front of me said while paying for her groceries “Wow, today I save $40.00 dollars! I am going to put that money in my piggy bank, this way I know I saved.”  I took a note to myself and started doing it too.  Every time I shop, I use my store card, then, when I get home, I transfer the amount of money I saved in to my savings account.  It sure does add up!</li>
</ul>
<ul>
<li>I never liked using coupons before, but now I can’t get enough of them.   This is not being cheap- this is being frugal.  I remember a while ago I read an article about a woman who spends just about $10.00 on $400.00 worth of groceries.  My jaw dropped, when I read it, and it took me some time to get it off the ground.  She had copies of her receipts posted and all.  She used a lot of store and manufactures’ coupons.  Simple.  I am not that good yet at saving with the coupons, but I am getting better. <a onmouseover="window.status='http://print.coupons.com/alink.asp?go=14602yf7310&amp;PLID=CJ&amp;CRID=CJ_20090225';return true;" onmouseout="window.status=' ';return true;" href="http://www.anrdoezrs.net/9i98kjspjr6ACCBDF8687B99CCF" target="_blank"><span style="color: #0000ff;"><strong><span style="color: #0000ff;">Coupons! Save Money, Be Happy!</span></strong></span></a><span style="color: #0000ff;"><strong><span style="color: #0000ff;"><img src="http://www.ftjcfx.com/t3121o26v0zKOQQPRTMKMLPNNQQT" border="0" alt="" width="1" height="1" /></span></strong></span></li>
</ul>
<ul>
<li>Here is an easy one for you:  Do not buy anything other than groceries at the supermarket.  The prices on other products such as shampoos, toothpastes, cleaning products and such are way high.  Go to Target or Wal-Mart to get those.</li>
</ul>
<ul>
<li>Try shopping at the farmer’s market for your fresh produce.  Farmer’s markets have fresh local produce and sometimes organic for a lot less.</li>
</ul>
<ul>
<li>Go grocery shopping no more than once a week.</li>
</ul>
<ul>
<li>Stay away from prepackaged meals and frozen TV dinners.  Stick to your grocery list that you create based on your planned meals.</li>
</ul>
<ul>
<li>If you like buying in bulk then only buy your staple foods in bulk.  Avoid buying perishables in bulk (what a waste of money).</li>
</ul>
<ul>
<li>I know, I know, some of you will hate me for saying this, but have you ever considered cutting down on your meat intake?  There are a lot of different ways to replace your meat as a protein source.  Beans anyone?  They are delicious and healthy.  Your body and wallet will appreciate it.</li>
</ul>
<ul>
<li>Avoid buying cold cereal.  They are usually packed with sugar and processed carbs, some of them do not have much of nutritional value.  Why not opt for whole grains such as oats, barley, quinoa, wheat, kamut, etc.?</li>
</ul>
<ul>
<li>Buy seasonal fruits and vegetables.</li>
</ul>
<ul>
<li>Instead of buying bottled salad dressing, why not make your own?  I personally sprinkle my salads with lemon juice and add some olive oil, salt and pepper.  So yummy! Or if you want, make something a little bit more elaborate.</li>
</ul>
<p style="text-align: center;">½ cup of canola oil</p>
<p style="text-align: center;">½ cup of lemon juice, or vinegar, or water if you wish</p>
<p style="text-align: center;">add chopped onion and garlic, salt, pepper and any other herbs or spices your heart desires<br />
let it marinate for a couple of hours and then ENJOY!</p>
<p>Share your money saving grocery-shopping ideas.  How do you save?</p>
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		<title>Should You Pay Debt Before Saving?</title>
		<link>http://thedebtfreeblog.com/130</link>
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		<pubDate>Thu, 17 Sep 2009 06:14:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free Tips]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[credit cards]]></category>

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		<description><![CDATA[Should you hold off on saving until your nonmortgage debt is paid off? Simple math suggests it&#8217;s better to get rid of debt before saving for retirement or an emergency fund. After all, if the savings rate is 1 percent and you have credit card debt at 14 percent interest, money is better spent paying [...]]]></description>
			<content:encoded><![CDATA[<p>Should you hold off on saving until your nonmortgage debt is paid off?</p>
<p>Simple math suggests it&#8217;s better to get rid of debt before saving for retirement or an emergency fund. After all, if the savings rate is 1 percent and you have credit card debt at 14 percent interest, money is better spent paying down debt quickly.<span id="more-130"></span></p>
<p>&#8220;Like everything else in life, this decision is one of balance, not of absolutes,&#8221; says Michael Rubin, president of Portsmouth, N.H.-based Total Candor, a provider of financial education.But personal finance decisions are rarely so simple, and this method may not be the right choice for everybody.</p>
<p>Dean Barber agrees. The host of nationally syndicated talk radio program &#8220;America&#8217;s Wealth Management Show&#8221; says there are pros and cons to each approach.</p>
<h2><a href="http://finance.yahoo.com/banking-budgeting/article/107738/should-you-pay-debt-before-saving.html?mod=bb-banking-budgeting" target="_blank">Continue Reading Here</a></h2>
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		<title>Fed: consumers cut debt by record $21.6B in July</title>
		<link>http://thedebtfreeblog.com/127</link>
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		<pubDate>Tue, 08 Sep 2009 20:39:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://thedebtfreeblog.com/?p=127</guid>
		<description><![CDATA[WASHINGTON – Consumers slashed their borrowing in July by the largest amount on record as job losses and uncertainty about the economic recovery prompted Americans to rein in their debt. Economists expect consumers will continue to spend less, save more and trim debt to get household finances decimated by the recession into better shape. However, [...]]]></description>
			<content:encoded><![CDATA[<p>WASHINGTON – Consumers slashed their borrowing in July by the largest amount on record as job losses and uncertainty about the economic recovery prompted Americans to rein in their debt.<br />
Economists expect consumers will continue to spend less, save more and trim debt to get household finances decimated by the recession into better shape. However, such action is a recipe for a lethargic revival, as consumer spending accounts for 70 percent of economic activity.<span id="more-127"></span><br />
The Federal Reserve reported Tuesday that consumers ratcheted back their credit by a larger-than-anticipated $21.6 billion from June, the most on records dating to 1943. Economists expected credit to drop by $4 billion.<br />
Wary consumers and hard-to-get credit both factor into the scaled-back borrowing. But economists are split on which force — lack of demand by consumers or lack of supply from banks — is having the bigger influence.<br />
&#8220;It&#8217;s really a tug of war,&#8221; said Mark Williams, professor of finance and economics at Boston University and a former Fed bank examiner. &#8220;It&#8217;s true that consumers are being more responsible, saying &#8216;I don&#8217;t really need that extra credit card,&#8217; but it is more related to banks clamping down on lending.&#8221;</p>
<h2><a href="http://news.yahoo.com/s/ap/20090908/ap_on_bi_go_ec_fi/us_fed_consumer_credit" target="_blank">Continue Reading Here</a></h2>
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		<title>Fabulous Freebies 2009</title>
		<link>http://thedebtfreeblog.com/111</link>
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		<pubDate>Fri, 04 Sep 2009 20:55:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free Tips]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[sales]]></category>

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		<description><![CDATA[It&#8217;s been said that the best things in life are free &#8212; and we couldn&#8217;t agree more. That&#8217;s why we&#8217;re back with our third annual list of our favorite freebies We looked for primo goods and services, no useless junk allowed. And boy, did we find &#8216;em, from financial management and planning helps to entertainment [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s been said that the best things in life are free &#8212; and we couldn&#8217;t agree more. That&#8217;s why we&#8217;re back with our third annual list of our favorite freebies</p>
<p>We looked for primo goods and services, no useless junk allowed. And boy, did we find &#8216;em, from financial management and planning helps to entertainment and vacation freebies.</p>
<h2><a href="http://kiplinger.com/features/archives/2009/08/freelist_2009.html" target="_blank">Continue Reading Here</a></h2>
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		<title>Saving Money In Plain English</title>
		<link>http://thedebtfreeblog.com/108</link>
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		<pubDate>Thu, 03 Sep 2009 04:30:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt-free videos]]></category>

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		<description><![CDATA[This fun video explains how compound interest works and how you can make your money grow.]]></description>
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