Tag: save money

Go Green When Spending Time Outdoors This Summer

June 14, 2018MBEhleAdvice, Outdoors, Saving, Summer, Travel

The great outdoors beckons people year-round. But nature is especially enticing in summer, when warm weather compels people to leave their couches and soak up some sun. Spending time outdoors is rewarding, and it can be even more so when men and women take steps to make their outdoor recreation as eco-friendly as possible. Whether it’s choosing certain activities or taking other measures, there are various ways to go green when spending time outdoors this summer and beyond.

Leave the car at home.

Americans and Canadians consume more gasoline per capita than any people in the world. According to data from the U.S. Energy Information Administration and the United Nations, Americans consume 4.39 liters of gasoline per capita each day, while Canadians consume 3.62 liters per capita each day. In lieu of driving everywhere this summer, men and women who want to be more mindful of the environment can leave their cars home more frequently. Rather than driving the family to a nearby ice cream stand, walk or bike there instead. Run as many errands on foot or on a bicycle as possible. Walking or cycling is a great way to get some time outdoors on warm summer days, and reducing fuel consumption is an equally great way to help the planet.

Vacation locally.

Another way to help the planet when spending time outdoors this summer is to vacation locally. People who vacation close to home typically do not fly, and that’s a significant benefit to the planet. The Intergovernmental Panel on Climate Change notes that aviation emissions release black carbon, nitrous oxide and sulphur oxide, which contribute to the greenhouse gas effect. And while the EIA notes that automobiles and airplanes produce relatively similar amounts of carbon dioxide per gallon, airplanes burn considerably more fuel than cars, thanks in large part to the considerable amount of fuel planes burn on the runway. By vacationing locally, outdoor enthusiasts can reduce their reliance on airplanes, thereby reducing the effects those airplanes have on the environment.

Embrace eco-friendly activities.

Various activities, from organic gardening to planting trees to beach cleanups, provide a great way to get outdoors and help the planet at the same time. Men and women who grow their own vegetables can take solace knowing that the vegetables they’re eating each night did not require the depletion of any natural resources to go from garden to table. Signing up for beach cleanups can prevent trash, including harmful plastics, from making its way into the world’s oceans, and such cleanups provide a great excuse to go to the beach.

Volunteer with a local park service.

The National Park Service offers a variety of volunteer opportunities to individuals who are enamored with the great outdoors and are interested in protecting their local and national parks. Such opportunities can be explored by visiting www.nps.gov/getinvolved/volunteer.htm. Parks Canada (www.pc.gc.ca) offers similar opportunities to outdoor enthusiasts.

Outdoor enthusiasts can make their summers more rewarding by taking steps to be as eco-friendly as possible when spending time outdoors.

Set and Stick to Your Holiday Budget

November 21, 2017MBEhleAdvice, Holidays, Saving, Shopping

The chance to give gifts and spend time with loved ones makes the holiday season a special time of year. But for many people, the holiday season often leads to overspending.

A 2016 survey from the American Research Group found that American shoppers anticipated spending an average of $930 on gifts that holiday season. Data from T. Rowe Price confirms that parents are spending between $400 and $500 per child each year. In 2015, CPA Canada conducted a random phone survey of 1,004 adult Canadians and found the average adult planned to spend $766 on holiday gifts.

Although these numbers can reflect an overwhelming sense of generosity, many times excessive spending is based on a desire to outdo gifting from the year prior – sometimes at the risk of personal finances. Some people are taking drastic measures to make holidays over-the-top, with some delving into emergency savings while others withdraw prematurely from retirement accounts. Budgeting for the holiday season can help shoppers keep their finances in check.

Determine spending patterns

An examination of receipts and spending habits from previous holiday seasons can help individuals establish budgets for the current year. Make a list of all expenses – even the ones that extend beyond holiday giving. These may include expenses such as gym service fees, homeowner’s insurance, traveling expenses, gift exchanges at work, and more. Extra costs can add up and should be factored into holiday budgets.

Try to recall if your spending last year felt comfortable or if you were paying off credit cards long after the holiday season had ended. If it’s the latter, resolve to make adjustments.

Establish a budget that fits

There is no such thing as a one-size-fits-all budget. Figure out if there is extra money this season or if times are tight. This will help you plan accordingly and avoid overspending. Shifting priorities can help free up some cash. If children are interested in this year’s hot (and likely expensive) gift, cut back on holiday travel or entertaining. Instead of buying gifts for coworkers, buy a drink during a night out.

Use the holidays as an opportunity to sell

Collectibles, gently used toys, video games, action figures – all of these items may be collecting dust at your home, but they might be coveted by other shoppers. Rely on the season for spending to make some extra income that can be cashed in for your own holiday purchases.

Set up an account and track spending

Establish a separate account strictly for holiday spending. This can include a credit card only used for gifts and entertaining or a savings account at a bank or credit union. You won’t know what is going out of your account unless you keep careful tabs on it. Tracking spending is the biggest key to sticking with a budget, according to the financial advice group The Balance.

Holiday budgeting can be challenging. But with some effort, it is possible to avoid debt and still enjoy a happy holiday season.

Satisfy With A Simple, Spicy Appetizer

September 29, 2017MBEhleDIY, Holidays, Recipes

Hosting often involves serving food, and the following recipe for “Spicy Cheese Balls” from A.J. Rathbun’s “Party Snacks!” (Harvard Common Press) is sure to please hosts who want to serve their guests an hors d’oeuvre that’s simple but spicy.

Spicy Cheese Balls (Makes 35 to 40 bite-size balls)

1 8-ounce package cream cheese, at room temperature
1 cup grated sharp cheddar cheese
1 teaspoon minced garlic
1 tablespoon chopped fresh parsley
1 teaspoon cayenne pepper
1 teaspoon freshly ground black pepper
1/2 teaspoon kosher salt
1 cup finely chopped walnuts

1. Put the cream cheese, cheddar, garlic, parsley, cayenne, black pepper, and salt in a food processor. Process for 5 to 10 seconds, until well blended. Scrape the mixture into a bowl, cover, and refrigerate for 1 hour.

2. Spread the chopped walnuts on a plate. Shape the cheese mixture into 35 to 40 small cheese balls, each about the size of a large marble. Roll each cheese ball in the walnuts, coating the outside (you may to press a little to ensure sticking).

3. Serve the cheese balls on a large platter. You can put a toothpick in each ball, but you could also surround them with crackers and let guests use their hands. It all depends on what kind of party you’re having.

Set and Stick to Your Holiday Budget

September 26, 2017MBEhleAdvice, Holidays, Saving, Seasonal

The chance to give gifts and spend time with loved ones makes the holiday season a special time of year. But for many people, the holiday season often leads to overspending.

Determine spending patterns

Try to recall if your spending last year felt comfortable or if you were paying off credit cards long after the holiday season had ended. If it’s the latter, resolve to make adjustments.

Establish a budget that fits

Use the holidays as an opportunity to sell

Set up an account and track spending

Holiday budgeting can be challenging. But with some effort, it is possible to avoid debt and still enjoy a happy holiday season.

Homemade Hummus With Truly Unique Taste

September 15, 2017MBEhleFood, Recipes

Hummus provides a delicious and healthy alternative to less nutritional dips. Versatile and available in various flavors, hummus can be whipped up at home for those who prefer to make their own dips. The following recipe for “Garbanzo-Carrot Hummus with Grilled Yogurt Flatbread” from James Campbell Caruso’s “España: Explore the Flavors of Spain” (Gibbs Smith) includes some Moroccan flavors that give this easy-to-prepare recipe a truly unique taste.

Garbanzo-Carrot Hummus with Grilled Yogurt Flatbread (Makes 2 cups)

2 medium carrots, peeled and chopped
Salt
1 cup cooked garbanzo beans, drained
4 teaspoons chopped cilantro plus 1 teaspoon for garnish
2 tablespoons chopped red onion
21/2 teaspoons ground cumin
11/2 teaspoons ground coriander seeds
2 tablespoons lemon juice
4 teaspoons olive oil
2 teaspoons chile flakes
2 teaspoons Moroccan Spice Blend (see below)
Coarse salt and freshly ground black pepper
1 batch Yogurt Flatbread (see below)

In a medium saucepan, combine the carrots with 2 quarts water and 2 teaspoons salt. Bring the mixture to a boil then reduce the heat and simmer for 8 to 10 minutes, until the carrots are tender. Remove the pan from the heat and allow the carrots to drain and cool in a colander.

Combine carrots and remaining ingredients, except for Yogurt Flatbread, in the work bowl of a food processor and puree until smooth. Season to taste with salt and pepper and garnish with the remaining cilantro. Serve with fresh, hot Yogurt Flatbread cut in wedges.

Moroccan Spice Blend (Makes about 2 tablespoons)

1 teaspoon ground cumin
1 teaspoon ground turmeric
1 teaspoon saffron threads
1 teaspoon ground coriander
1 teaspoon ground cinnamon
1 teaspoon ground smoked paprika
1 teaspoon finely grated lemon peel

In a small resealable glass or plastic container, combine all of the ingredients.

Yogurt Flatbread (Serves 4)

1 cup all-purpose flour
1/4 teaspoon baking powder
1 teaspoon coarse salt
21/2 cups plain yogurt
Olive oil

Sift the flour, baking powder and salt into the work bowl of a stand mixer fitted with the dough hook. Add the yogurt and mix on low speed for 2 minutes. Cover the work bowl and allow the dough to rest at room temperature for 30 minutes.

Preheat a gas or charcoal grill to medium. Scrape the dough from the work bowl and turn it out onto a lightly floured surface. Roll the dough into a long log and divide it into 12 equal pieces. Roll each piece into a ball and use a rolling pin or tortilla press to flatten it into a 1/4-inch-thick tortilla shape. Brush each “tortilla” lightly with olive oil. Grill each for about 40 seconds then turn and cook another 40 seconds.

The Best Ways to Cheer on Favorite Sports Teams

September 5, 2017MBEhleAdvice, Lifestyle

Autumn weather calls to mind sipping warm cider and raking leaves. But for sports fans, fall is all about sports.

American football, field hockey, ice hockey, and basketball are just a few of the sports that make autumn an exciting time for sports fans.

Even the most ardent fan may have room for improvement when it comes to supporting his or her team. Here are a few ideas to make cheering for a favorite team even more enjoyable.

Attend a game

Fans who never get to see their team play in person may miss out on a unique experience. The atmosphere and energy of sitting in a stadium or arena cannot compete with a television simulcast. Ardent fans can resolve to attend a game in person this season. Enroll in employee entertainment clubs to receive discounts on sports tickets among other types of entertainment.

Host a game watch

Build camaraderie with fellow fans by hosting a game watch. A routine sports night is a great way to get together with friends and family members. Gather a group at your house each week to watch a favorite team battle it out on the big screen. Or get together with fellow fans in the community at a sports bar or restaurant, combining a night out on the town with your passion for sports.

Get the kids involved

Spread the love of fandom to a new generation. Schools and youth organizations can encourage children to support local scholastic teams. Organize field trips to sporting events to involve as many students as possible.

Fall sports are heating up, and fans can do their part to support their favorite teams in various ways.

Recipe: Pumpkin Cheesecake with Gingersnap Crust

September 1, 2017MBEhleFood, Recipes

Pumpkins are readily available in fall, when people carve jack-o’-lanterns out of pumpkins for Halloween or serve up pumpkin pie after a hearty Thanksgiving dinner. But people who are unsatisfied with plain old pumpkin pie can add something new to their repertoire this fall by cooking up the following recipe for “Pumpkin Cheesecake with Gingersnap Crust,” courtesy of Lori Longbotham’s “Luscious Creamy Desserts” (Chronicle Books).

Pumpkin Cheesecake with Gingersnap Crust (Serves 8 to 10)

Crust

11/2 cups gingersnap cookie crumbs
1/2 cup finely chopped hazelnuts
6 tablespoons unsalted butter, melted
1/4 cup sugar

Filling

11/2 pounds cream cheese, at room temperature
1/2 cup packed light brown sugar
1/4 cup granulated sugar
2 large eggs
2 large egg yolks
11/2 tablespoons all-purpose flour
2 teaspoons pumpkin pie spice
1 cup solid-pack pumpkin purée (not pumpkin pie mix)
1/2 cup créme fraîche, homemade (see below) or store-bought, or sour cream
2 teaspoons pure vanilla extract

1. Preheat the oven to 350 F. Lightly butter an 8- or 81/2-inch springform pan.
2. To make the crust: Stir together all of the ingredients in a medium bowl until the crumbs are moistened. Press the mixture over the bottom and up the sides of the pan. Bake the crust for 10 minutes. Let cool completely on a wire rack. Increase the oven temperature to 425 F.
3. To make the filling: With an electric mixer on medium speed, beat the cream cheese, brown sugar and granulated sugar in a large deep bowl until light and fluffy. Beat in the eggs and then the egg yolks one at a time, beating well after each addition. Add the flour and pumpkin pie spice and beat on low speed until just combined. Add the pumpkin purée, créme fraîche and vanilla, and beat until just combined. Pour the filling into the shell.
4. Place the cheesecake on a baking sheet and bake for 15 minutes. Reduce the oven temperature to 250 F and continue baking for 1 hour.
5. Turn the oven off and let the cheesecake cool in the oven for 21/2 hours. Then transfer to a wire rack and let cool to room temperature. Refrigerate, tightly covered, for at least 10 hours, until thoroughly chilled and set, or for up to 2 days.
6. To serve, run a knife around the side of the cheesecake and remove the side of the pan. Serve slightly chilled or at room temperature, cut into thin wedges with a sharp knife dipped into hot water and wiped dry after each cut.

Créme Fraîche (Makes about 1/2 cup)

1/2 cup heavy whipping cream
1/2 cup créme fraîche or sour cream with live cultures

Pour the cream into a glass jar with a tight-fitting lid and spoon in the créme fraîche. Let sit on the counter, with the lid slightly ajar, until the mixture thickens, from 4 to 24 hours, depending on the weather. Refrigerate, tightly covered, until ready to use.

Give Boring Lunches a Big Boost

August 25, 2017MBEhleFood, Recipes

Lunch might not be the most exciting meal of the day, and conventional wisdom might not suggest it’s the most important meal. But that does not mean lunch has to be boring.

For those who tend to lean on sandwiches for their midday meals, straying from the sandwich norm can provide some variety and flavor. The following recipe for “Warm Tandoori Chicken Wraps” from Vicki Liley’s “Asian Wraps & Rolls” (Periplus) can make for a unique lunch for the whole family or even serve as an easily prepared dinner.

Warm Tandoori Chicken Wraps (Makes 6 wraps)

1/3 cup plain tandoori paste
2 tablespoons plus 1/2 cup plain yogurt
Grated zest and juice of 1 lemon
12 chicken tenderloin fillets or 3 skinless, boneless chicken breast fillets
2 carrots, peeled
1 English (hothouse) cucumber, halved and seeded
6 pieces naan
1 clove garlic, finely chopped

Leaves from 6 fresh mint sprigs, plus 2 tablespoons finely chopped fresh mint

In a small bowl, combine tandoori paste, 2 tablespoons yogurt, lemon zest, and lemon juice. Put chicken in a baking dish. Pour tandoori mixture over and stir until chicken is coated. Cover and refrigerate for 2 hours.

Light a fire in a charcoal grill or heat a grill pan. Brush grill or pan lightly with oil. Cook chicken for 4 to 5 minutes on each side, or until juices run clear when pierced with a skewer. Transfer to a cutting board and let rest for 5 minutes. Cut each tenderloin into 2 long strips (if using chicken breast fillets, slice each fillet into 4 long strips).

Using a vegetable peeler, cut carrot and cucumber into thin ribbons. To heat naan, follow instructions on packet. In a small bowl, stir 1/2 cup yogurt, garlic and chopped mint together.

Place naan on a work surface. Divide chicken, cucumber, carrot, and mint leaves among naan. Drizzle with yogurt mixture. Wrap the naan around filling and serve immediately.

Impress Guests With Homemade Salsa At Your Next Soirée

August 11, 2017MBEhleCookout, DIY, Food, Recipes

Gatherings of family and friends are better with food, and few foods are more universally beloved than salsa! Whether they’re hosting a gathering for the big game or a celebration of Hispanic culture and cuisine, hosts who want to go the extra mile can forgo store-bought salsa for the following homemade recipe for “Warm Black Bean Salsa” courtesy of Judith Finlayson’s “The Health Slow Cooker: 135 Gluten-Free Recipes for Health and Wellness” (Robert Rose).

Warm Black Bean Salsa (Makes about 3 cups)

2 cups cooked black beans, drained, rinsed and mashed (see tip 1 below)
1 cup diced tomatoes (see tip 2 below)
4 green onions, finely chopped
2 roasted peppers (poblano or sweet), peeled and diced
1 roasted jalapeño, seeded and diced, or 1 chipotle pepper in adobo sauce
1 teaspoon puréed garlic (see tip 3 below)
1 teaspoon finely grated lime zest
2 tablespoons freshly squeezed lime juice
2 cups shredded cheddar or Monterey Jack cheese
2 tablespoons finely chopped cilantro leaves

Finely chopped green onions

1. In slow cooker stoneware, combine beans, tomatoes, green onions, poblano, jalapeño peppers, garlic, lime zest and juice, and cheese. Stir well. Cover and cook on high for 11/2 hours, until mixture is hot and bubbly. Stir in cilantro, sprinkle with green onions, if using, and serve.

Tips

1. Use 14- to 19-ounce can of no-salt-added beans, drained. Or cook dried beans yourself (see below).
2. For convenience, substitute 1 cup drained no-salt-added diced canned tomatoes.
3. To purée garlic, use a sharp-toothed grater.

Basic Beans (Makes approximately 2 cups)

1 cup dried white beans (see tip below)
3 cups water

Garlic (optional)
Bay leaves (optional)
Bouquet garni (optional)

1. Long soak: In a bowl, combine beans and water. Soak for at least 6 hours or overnight. Drain and rinse thoroughly with cold water. Beans are now ready for cooking.
2. Quick soak: In a pot, combine beans and water. Boil for 3 minutes. Turn off heat and soak for 1 hour. Drain and rinse thoroughly under cold water. Beans are now ready to cook.
3. Cooking: In slow cooker stoneware, combine 1 cup presoaked beans and 3 cups fresh cold water. If desired, season with garlic, bay leaves or a bouquet garni made from your favorite herbs tied together in a cheesecloth. Cover and cook on low for 10 to 12 hours or overnight or on high for 5 to 6 hours, until beans are tender. Drain and rinse. If not using immediately, cover and refrigerate. The beans are now ready for use.

Tip: If you have difficulty digesting legumes, add 2 teaspoons cider vinegar or lemon juice to the water when soaking dried beans.

How to Save on School Supplies

July 27, 2017MBEhleAdvice, Organize, Saving, School

Back to school season can be as expensive for parents as it is exciting for students. Once the initial letdown of the end of summer vacation wears off, many kids are excited to return to school, where they can see their friends, study their favorite subjects and participate in extracurricular activities.

Parents of school-aged youngsters may share in that excitement while also knowing that back to school season can stretch their budgets. One of the ways to salvage those budgets is to save on school supplies. Fortunately, there are several ways parents can do just that.

· Be patient. Shopping early can save shoppers money in many instances, but parents may benefit by exercising patience when it comes to buying school supplies for their children. Teachers often give students lists of supplies they will need for each class, and parents who wait to receive such lists can avoid spending money on items their kids won’t need. Even if you wait it out, you may be able to get a head start, as some teachers may post supply lists on school websites, while others might email lists to parents before back to school season hits full swing.

· Take inventory. If you have more than one child, chances are you already have lots of school supplies around the house. Dust off kids’ backpacks and study areas from last school year to determine which supplies you need to buy and which you already have. Going forward, encourage kids to store their supplies in a predetermined area once the school year ends, as this will make next year’s inventory that much easier to examine and assess.

· Spend more now to save later. While inexpensive supplies can be hard to resist, such items likely won’t withstand the test of time, forcing you to spend time and money each year buying replacement supplies. Paying more now for certain items, including stronger backpacks and more highly rated calculators, may end up saving you money in the long run, even if the initial pill is somewhat tough to swallow.

· Use technology to your advantage. Department stores and businesses that sell school supplies, such as pharmacies and office stores, may or may not discount too many items once back to school season hits full swing. But savvy parents can still find deals by using technology to their advantage when shopping for school supplies. Download apps like RetailMeNot to your smartphone and enable its updates so your phone essentially notifies you of any discounts the moment you walk into a given store. If you don’t receive any updates, search for discounts via the app or the Internet as you shop. Chances are strong that there are deals to be had, even if you don’t learn of the deals until you arrive at the store.

School supplies can be expensive, but parents can employ several strategies to save on school supplies now and in the future.

BS157285

Leave the car at home.

Vacation locally.

Embrace eco-friendly activities.

Volunteer with a local park service.

Determine spending patterns

Establish a budget that fits

Use the holidays as an opportunity to sell

Set up an account and track spending

Attend a game

Host a game watch

Get the kids involved

Warm Black Bean Salsa (Makes about 3 cups)

1. In slow cooker stoneware, combine beans, tomatoes, green onions, poblano, jalapeño peppers, garlic, lime zest and juice, and cheese. Stir well. Cover and cook on high for 11/2 hours, until mixture is hot and bubbly. Stir in cilantro, sprinkle with green onions, if using, and serve.

Tips

Basic Beans (Makes approximately 2 cups)

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