PenniesAndBlessings.com shows you how to make an invigorating coffee sugar scrub.
Do you have a fun and frugal DIY idea to share? I’d love to hear about it! Read the submission guidelines and submit it here.
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6 Goals for This Week
We’re heading to Virginia early, early on Wednesday morning and will be there through Sunday. I’ll be speaking five times at the Virginia Homeschool Conference and we’ll be running a booth in the vendor hall, as well.
So, needless to say, I’m keeping my goals simple this week. That way, I don’t set myself up for automatic failure. 🙂
Last week’s goals:
Family/Mothering Goals
1. Finish reading Quest for Truth:Taken (reading to everyone), Winnie the Pooh (reading to Kathrynne), and The Courage of Sarah Noble (reading to Kaitlynn).
2. Attend our local homeschool convention and buy our curriculum and other things for next school year.
3. Write a love note to Jesse.Personal Goals
4. Finish readingRadical.
5. Run at least five times. {Only managed to run three times.}
6. Listen to 2 hours of The One-Minute Entrepreneur.
7. Sleep for at least 7.5 hours every night.Home Management
8. Follow my Freezer Cooking plan and blog about it.Business Goals
9. Finish writing one article for another site. {I spent all of five minutes on this. Yep, it got shoved to the back burner last week.}
10. Prepare for speaking/having a booth at the Virginia Homeschool Conference next week.
And this week’s six goals:
Family/Mothering Goals
1. Pick out new books to start reading aloud to the girls individually, as well as to everyone.
2. Write a love note to Jesse.
Personal Goals
3. Finish reading The Referral Engine: Teaching Your Business to Market Itself
4. Sleep for at least 7.5 hours every night.
Business Goals
5. Finish tweaking workshops and powerpoints for Virginia Homeschool Conference.
6. Travel to Virginia Homeschool Conference with Jesse and Kathrynne for speaking engagement.
How did you do on last week’s goals? What are your goals for this week? I’d love to have you share your progress on last week’s goals and your goals for this coming week in the comments. Of, if you’ve blogged about it, leave your direct link below. Let’s cheer each other on to live purposeful and productive lives!
You can download a free customizable weekly goal-planning sheet here.
Shared Jun 4, 2012
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6 Reasons People Argue Against Using Cash Envelopes — And Why I Don’t Buy Them
6 Reasons People Argue Against Using Cash Envelopes — And Why I Don’t Buy Them
Guest post by Kristen from Getting More God
After following MoneySavingMom.com for a while and reading about the Cash Envelope System, my husband and I decided to take the plunge about a year ago. Our bank account was slowly dwindling, even though we had a budget that we tracked each dollar in. We figured being “cash only” was the best way to keep track of where these dollars were disappearing to.
I thought it would be painful, but it has actually been beautiful. We will never, ever go back!
Many of my friends and family think we are crazy for using envelopes and offer up the same concerns I had before taking the envelope plunge. I figured it would be quick and easy to get them all in one place and provide the answers I’ve found since beginning our “Life with Envelopes.”
Argument #1: “I don’t want to have all those restrictions! I want to enjoy my life!”
You determine the restrictions. You look at your income versus your bills and decide exactly how much money goes to each category.
If you love to shop and want to spend $100 per month on clothes, so be it! That just means a little less is going to go to the other envelopes. It all depends on your decisions for where your money goes based on what your family needs and can afford.
Envelopes actually free you. You know things are covered and you no longer have such regret over purchases you weren’t prepared for!
Argument #2 – “I don’t know how much money to put into each envelope or what envelopes I even need!”
There are many great resources available with guides on just how to do this.
Argument #3 – “I do not want to go into the gas station every single week to pay cash for my gas. Headache!”
There are still things that we use our card for, and gas is definitely one of those. I would never ask you (or require myself!) to go inside and pay for gas every time. You’re right, it’s a headache!
Argument #4 – “I don’t want to have to tell my friends I can’t hang out because I just spent my last dollar in my envelope. I’m not an 8-year-old with an allowance!”
No, you’re not. But you could be a 35-year-old living at home with your parents if you don’t learn to manage your money well! So, my advice is to look at your month when it starts. Knowing how much money you have for eating out, entertainment, etc. and then decide which weekends you will use it.
If your friends ask to hang out on a certain weekend where you know you’ll be strapped for cash, recommend another weekend or ask if you can hang out at a certain venue you know you can afford. You initiate the invites and then things are much more within your control. And if you find that you are constantly restricted by your envelope, you may need to adjust amounts.
Argument #5 – “That seems annoying to have to actually go into the bank and get cash out every month. I don’t have time for that.”
I say this when it comes to exercise, too… You have the same 24 hours in your day that everyone else has. You make time for the things that matter to you.
Look at what you spend your time doing. You can’t deny that those are the things that matter to you, or else you wouldn’t occupy yourself with them. So decide to make your financial health matter to you and get to the bank once a month! It’ll take 10 minutes! Financial responsibility requires some dedication and maturity.
Argument #6 – “I don’t want to use cash because I use and pay off my credit card each month. I get points/rewards for my purchases and I love that!”
If you are able to keep your finances 100% in check and not have money slipping through your fingers with that system, then more power to you! I’m not saying everyone must do the envelope system, or else you don’t care about stewarding your money well.
I’m simply asking that everyone consider it. Handing someone cold, hard cash is so much more difficult and meaningful than swiping a card and “giving” them this imaginary-feeling money. It doesn’t leave an impression at all. You can easily spend without even thinking about it.
You think twice — or even three times — when you hand someone your hard-earned cash. That’s the benefit. But if your “cushion” isn’t dwindling slowly and you are fine with your system, no need to change!
Ultimately, do what works for your family. Using cash envelopes has completely changed our family (for the better!). They might not work for you, but you’ll never know until you try. Thank you to Money Saving Mom® for introducing this to us.
Kristen is 27-year-old mother of one happy toddler and wife of one great man. She has many earthly passions which she attempts to use to stir her affections for Christ on her blog, GettingMoreGod.blogspot.com. She hopes to see His hand in all of the passions He’s given her here on Earth. She wants everything to point back to Him. That’s the challenge, and she writes about the process of discovering it!
2012 Goals: May Update
How are you doing on your goals for 2012? I’m excited about the progress I made in May…
Personal
Read through the Bible in a year. {I’ve been keeping up with this faithfully.}
Read through the 24 books on my 2012 booklist. {I’m almost finished with May’s books and have read quite a few other books!}
Listen to 12 audiobooks. {I just finished May’s audiobook and am starting on June’s!}
Run in at least one 5K race. {Finished the Couch to 5K program and am now working on getting my time down. Hoping to sign up for a race soon.}
Complete the Couch to 10K program.
Tackle 12 Do-It-Yourself Projects. {I made English Muffin Bread last week — I’ll blog about it next week!}
Focus on one habit per month. {We made some good headway with consistent bedtimes in May — yay! On to getting places on time — one of the areas I really struggle with!}
Learn to use my new DSLR camera (huge surprise Christmas present from Jesse!!) & improve my photography skills. {I’m excited to be seeing some improvement and progress with this! And I’m also excited that I’m beginning to feel more and more comfortable using my camera!}
Take at least one photo a day and put together a page every week for my Project Life album. {I’m behind on putting my album together, but I’ve been doing good about taking lots of pictures!}
Memorize Colossians using the plan and free download here. {I’m almost caught up with this.}Marriage
Go on the Love Like You Mean It Cruise. {Done–read my recap here.}
Go on two Marriage Retreats (Went to Cincinnati together in April).
Have monthly date nights. {We had one date in May.}
Read four books together. {We’ve done two books so far this year.}
Read at least 3 books on marriage. {I’ve read two so far this year.}Children/Homeschooling
Continue regular dates/outings with each of the children individually. {I went on at least one outing with each child individually in April.}
Continue Grace and Truth memory book. {The children memorized three verses plus one verse of a hymn in May.}
Ice-skating lessons for all three children. {The children finished up their second round of classes and we enrolled them in a third round since they are enjoying it so much!}
Swimming lessons for all three children. {We’re hoping to get all three signed up for this within the next two weeks.}
Finish second grade, begin third grade with Kathrynne. {Kathrynne finished second grade in May — woohoo!}
Finish kindergarten, begin first grade with Kaitlynn. {Kaitlynn finished Kindergarten in May and is excited about beginning first grade soon. I’m excited because her reading and spelling have taken off in the last month — she’s quite self-motivated which helps tremendously!}
Start preschool with Silas. {Started this in April.}
Go on at least one field trip every month. {We went on one field trip in May.}
Go on at least one family vacation. {We have one planned for July.}
Finish at least 15 read-aloud books. {We’ve finished 14 read-alouds so far this year.}Ministry/Friendships/Extended Family
Write at least two handwritten notes every month to encourage someone. {I wrote & mailed five handwritten notes this month.}
Continue being involved in our local church, homeschool group, young couple’s group, and blogging accountability group. {Ongoing}
Continue with weekly get-togethers with both sides of our extended family. {Ongoing}Business/Blogging
Continue to take Sundays off from blogging/business work. {Ongoing}
Continue keeping strict Office Hours for the business/blogging time each day. {Still plugging away on this!}
Switch to a paperless planning system. {This is the one goal I think I’ve officially decided to drop this year as it just wasn’t working for me. Back to the paper.}
Follow my weekly blogging plan. {I stuck with my blogging plan all but three days in May, if I’m remembering correctly — woot!}
Plan blog posts out at least a month in advance. {I made some great progress in this area in May!}
Write and schedule blog posts at least a week in advance. {Making some headway with this, though I’m far from where I want to be!}Financial
Continue to tithe 10% of our income. {Ongoing}
Give generously to needs in our community and around the world, as God prompts us. {Ongoing}
Pay cash for a new-to-us vehicle to replace our family’s van. {We’re still looking and haven’t found anything we love in our price range yet!}
Finish saving for and purchase a rental property with cash. {We’re in the process of investigating our options in our price range right now and deciding if we want to go ahead and purchase something or continue saving.}
How Are You Doing on Your Goals for 2012?
If you’ve posted goals for 2012, I’d love for you to post an update on how things are going and share your link in the comments. If you don’t have a blog, feel free to just leave your update as a comment. Let’s encourage one another to live lives of intention and purpose!
Target Shopping Trip: Spent $10.05
I stopped by Target earlier this week and here’s what I picked up:
2 2-liters of Sierra Mist — on sale for $1.33, used $1/1 coupons = $0.33 each after coupons
4 bags of frozen vegetables — priced at $0.99 each, used $1/4 coupon = $0.74 each after coupons
1 International Delight Coffee Creamer — priced at $3.14, used free coupon = free after coupon
1 gallon milk — $2.99
1 Up & Up Ibuprofen — priced at $0.99, used $1/1 coupon = free after coupon
3 Revlon nail files — priced at $1.69, used $2/1 coupon = free after coupon
1 Up & Up Baby Shampoo — priced at $1.52, used $1/1 coupon = $0.52 after coupon
1 Up & Up Baby Wash — priced at $1.52, used $1/1 coupon = $0.52 after coupon
1 6-pack of Dannon Pure — priced at $1.99, used $0.75/1 Target coupon = $1.24 after coupon
1 Up & Up Liquid soap — priced at $0.99, used $0.50/1 coupon = $0.49 after coupon
Total with tax: $10.05
Learning to Save Money and Give It Away
Guest post from Sarah
My husband and I are debt-free except for our house and live within our means. Until last year that was enough for us.
Then I stumbled upon Money Saving Mom®. One year later I can’t claim to be an expert, but there are a few things I’ve learned along the way.
Saving money takes time.
Time to learn the lingo. Time to know a good deal when you see it. Time to find a system for coupons. It even takes time to make some mistakes and learn from them.
Don’t expect to be a pro in a few months. Start slowly so you don’t burn out. You can’t change everything about your household expenditures in a month.
Be leery of spending money to save money.
At least when you’re starting out. At first I thought we absolutely had to buy a deep freeze if we wanted to save money on groceries.
We delayed this purchase, and for us that was a great decision. We’ve made our side-by-side refrigerator/freezer work. Sure, it’s a challenge to stack and shove it all in, and sometimes I’ve had to ask family members if I can store a little in their freezers.
That may not be an option for you, but try being creative before you dive in to an investment designed to save you money.
Do what works for you.
I don’t play the drugstore game. Am I missing out on some great deals? Probably, but I’m doing what works for me.
I shop with my kids, and the stress of handing over coupons in a specific order and making complicated shopping scenarios seems like more than I can handle with them in the cart. Although, it is an adventure I’m excited to tackle sometime down the road!
Draw a line, and don’t feel bad about it.
Sure, you can save money by making things from scratch, and I do more of that than I did 12 months ago. But like Crystal says in her homemade tortilla post, some things aren’t worth the effort.
You have to put a price on your sanity and quality time with your family. Don’t waste those precious gifts on saving only a few pennies.
Keep things in perspective.
You have a life beyond saving money. At times I’m making a grocery list or printing coupons and my sons need a snack or help washing their hands.
This can seem like a major interruption. Can’t an 18-month old realize I’m printing coupons?
My kids are my job. Looking for deals is something I need to do as I can and not let it consume me.
Give back.
A year ago we were content with our level of giving. We wanted to give big, but it was something to do later. After I return to work. After college funds are fully funded. After the house is paid off.
Crystal has challenged those thoughts. We’ve been able to increase our giving over the last year, and I’m excited to see where God leads us in this area in the future.
Sarah is a writer turned stay-at-home mom with two boys, ages 5 and almost 2. In an effort to stay in the writing game, she’s dabbling as a freelancer between loads of laundry, potty training, playing super heroes and saving money.
Chocolate Chocolate Chip Banana Bread
If you need another idea to use up over-ripe bananas, this is your recipe! It’s loaded with delicious bananas and lots of chocolate. Plus, it’s freezer-friendly!
We made it to Day 20 — woohoo! If you’ve followed along and joined me in any or all of the daily freezer cooking challenges, you deserve a huge congratulations for making it this far.
This is the Best Chocolate Banana Bread recipe!
My recipe for Chocolate Banana Bread is so simple to whip up — we’ve been making it for years and years (as is evident by this picture of teeny-tiny toddler Silas “helping” me!)
It uses frugal ingredients we almost always have in the house, it’s deliciously moist, and it’s more nutritious than desserts (but it tastes just as rich).
Plus, it’s a great way to use up over-ripe bananas (here are a bunch of other ideas to use up ripe bananas too.)
Ingredients For Banana Chocolate Bread
- 1 3/4 cups flour
- 1/4 cup unsweetened cocoa powder
- 1 cup sugar
- 1 teaspoon baking powder
- 1/4 teaspoon baking soda
- 1/4 teaspoon salt
- 2 large eggs, lightly beaten
- 1 stick butter, melted and cooled
- 3 ripe bananas, mashed well
- 1 teaspoon vanilla extract
- 1/2 cup semi-sweet chocolate chips
How ripe should bananas be for banana bread?
The bananas should be quite ripe (lots of brown spots or even black) as over-ripe bananas are much sweeter.
You can also peel over-ripe bananas and put them in a zip-top bag in the freezer for later. Just defrost however many you need for your recipe.
Can bananas be too ripe for banana bread?
Usually, bananas can not be “too ripe” for bread — however, if they are moldy or smell sour, you should probably throw them out.
Double Chocolate Banana Bread recipe substitutions
You can substitute some or all of the flour for whole wheat flour — but the bread won’t be as light and fluffy.
You can also substitute 1/4 cup of applesauce for half of the melted butter.
And if you really want to healthify this recipe, you can swap 1/2 c. honey for the full cup of sugar (honey is sweeter than sugar).
How to Make Chocolate Chocolate Chip Banana Bread
1. Preheat oven to 350ºF.
2. In a large bowl, stir together flour, cocoa powder, sugar, baking powder, baking soda, and salt.
3. Add in the mashed bananas, eggs, melted butter, and vanilla.
4. Carefully fold the banana mixture into the dry ingredients until just combined.
5. Mix in the chocolate chips.
6. Pour into a greased 9″x5″ loaf pan and bake in preheated oven for 55 to 65 minutes until the bread has risen and a toothpick inserted in the center comes out clean.
7. Let the bread cool for 5-10 minutes in the pan, then release it from the pan onto a cooling rack.
8. Enjoy this delicious bread warm… or let it cool completely and freeze it for later!
How long to bake banana bread?
If your oven is true to its temperature, a 9″x 5″ loaf of bread should bake in around 55-60 minutes — although you can check it for doneness around 45 minutes if you’re concerned.
How to tell if banana bread is done:
The bread will rise significantly while baking and it should have a nice domed top.
You can also insert a toothpick into the center of the loaf and if it comes out clean, the bread is fully cooked all the way through.
How to store Banana Bread
Do you put Banana Bread in the fridge?
Technically, putting bread in the fridge will dry it out — it’s best left on the counter or in the freezer. However, in warm summer weather, I tend to refrigerate banana bread, just because it’s so moist.
How long does banana bread last?
This bread is so yummy, you’ll most likely eat it long before it has a chance to go bad.
That said, you should probably plan to eat it within 5-6 days — or freeze it for later.
How to freeze banana bread.
Let the bread cool completely to room temperature, then wrap it tightly in plastic wrap AND tinfoil and place it in the freezer.
Alternatively, you can slice the bread before freezing it and place it in a zip-top bag. This way, you can simply remove one or two slices whenever you want!
Banana Chocolate Bread FAQs
Why is my banana bread gummy?
If you notice a bummy texture to your bread (specifically if the center of the bread is gummy) it’s most likely under-baked.
Is banana bread healthy or unhealthy?
In general, quick bread is not considered a “health food” although it is more nutritious than chocolate cake! If you make the substitutions mentioned above (honey, applesauce, whole wheat flour) banana bread can actually be quite nutritious.
Why is my banana bread dense and not fluffy?
One factor might be that your baking powder and/or baking soda is no longer active — meaning, it won’t give your baked goods the rise you desire. Also, using whole-grain flour will produce a denser loaf. Finally, over-mixing the batter could also create a more dense bread.
How do you keep banana bread moist when baking?
Make sure your bananas are over-ripe and very mushy — this will help the bread stay extra moist. Also, don’t use too much flour, and don’t over-bake your loaves.
Recipe
Freezer Friendly Banana Chocolate Bread
Ingredients
- 1¾ cup all purpose flour or sub half whole grain flour
- ¼ cup unsweetened cocoa powder
- 1 cup granulated sugar or sub 1/2 cup honey
- 1 tsp baking powder
- ¼ tsp baking soda
- ¼ tsp salt
- 2 eggs
- ½ cup melted butter you may sub half the butter for 1/4 c. unsweetened applesauce.
- 3 over-ripe bananas mashed
- 1 tsp vanilla extract
- ½ cup semi-sweet chocolate chips I like using the mini chips
Instructions
- 1. Preheat oven to 350ºF.
- 2. In a large bowl, stir together flour, cocoa powder, sugar, baking powder, baking soda, and salt.
- 3. Add in the mashed bananas, eggs, melted butter, and vanilla.
- 4. Carefully fold the banana mixture into the dry ingredients until just combined.
- 5. Mix in the chocolate chips.
- 6. Pour into a greased 9″x5″ loaf pan and bake in preheated oven for 55 to 65 minutes until the bread has risen and a toothpick inserted in the center comes out clean.
- 7. Let the bread cool for 5-10 minutes in the pan, then release it from the pan onto a cooling rack.
- 8. Enjoy this delicious bread warm… or let it cool completely and freeze it for later!
Notes
Store cooled bread at room temperature in a tightly sealed container, or slice and freeze for later.
Nutrition
Serving: 1slice | Calories: 340kcal | Carbohydrates: 51g | Protein: 5g | Fat: 14g | Saturated Fat: 8g | Polyunsaturated Fat: 1g | Monounsaturated Fat: 4g | Trans Fat: 0.4g | Cholesterol: 58mg | Sodium: 216mg | Potassium: 250mg | Fiber: 3g | Sugar: 28g | Vitamin A: 358IU | Vitamin C: 3mg | Calcium: 45mg | Iron: 2mg
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FREE 50+ Easy and Cheap Breakfast Ideas!!
Mornings just got so much easier with this FREE list of 50+ Easy & Cheap Breakfast Ideas for Busy Weekday Mornings!
Freebies in my mailbox
Here are the freebies I’ve gotten over the past week:
2 Gevalia Coffee samples
Larabar sample
Ecover sample
International Delight Iced Coffee coupons
Tampax Pearl samples
Tampax Gift Bag
Tresemme samples
What freebies have arrived in your mailbox this week?
By the way, if you want to start getting great freebies in your mailbox, just start signing up for the freebies I post every day that interest you. Within 4-6 weeks, your mailbox will start filling up with great freebies!
Ask the Readers: Frugal Ways to Cool a Home
Today’s question is from Jerilyn:
Our children sleep on the second floor and it gets really hot up there! Last year we used several fans but they have since broken and I always worried that they were too hot. I am looking for an efficient way to cool our hot and humid 2nd floor besides a window air conditioning unit .
Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.
Pumpkin Chocolate Chip Muffin Recipe
These Pumpkin Chocolate Chip Muffins have been a go-to recipe at our house for as long as I can remember! The best part? They a frugal AND they freeze beautifully!!
This Pumpkin Chocolate Chip Muffin Recipe Never Gets Old!
Pumpkin Chocolate Chip Muffins are a longtime family favorite at our house — they are so delicious!
If you can stock up on the staple ingredients and canned pumpkin at a rock bottom price when it’s on sale (or at Aldi), these pumpkin muffins can be rather economical too!
Chocolate Chip Pumpkin Muffin Recipe Ingredients
- 4 large eggs
- 2 cups granulated or raw sugar (can be reduced to 1.5 cups)
- 1 (16 oz.) can pureed pumpkin (or two cups cooked and pureed fresh pumpkin)
- 1 1/2 cups oil or unsweetened applesauce
- 3 cups flour (all-purpose, whole-wheat, or a combination)
- 2 teaspoons baking soda
- 2 teaspoons baking powder
- 1 teaspoon cinnamon
- 1 teaspoon salt
- 1-2 cups chocolate chips (or just throw the whole package in if you love chocolate like us!)
How to Make Pumpkin Muffins with Chocolate Chips
1. Preheat oven to 400ºF.
2. Grease two 12-cup muffin tins, or fill with paper liners.
3. In a large mixing bowl, beat eggs, sugar, pumpkin, and oil until smooth.
4. Add in dry ingredients and mix until just combined.
5. Fold in chocolate chips.
6. Fill muffin cups 3/4 full.
7. Bake in preheated oven for 16-20 minutes, or until toothpick inserted in muffins comes out clean.
How to Store Chocolate Chip Pumpkin Muffins
Let muffins cool thoroughly and store in an air-tight food storage container on the counter for up to 5 days, or freeze for longer.
To thaw, simply let muffins sit at room temperature for 30 minutes to an hour. Or, defrost individually for 1 minute in the microwave (this makes the chocolate a little gooey!)
Can you freeze pumpkin muffins with chocolate chips?
Yes! Muffins freeze wonderfully with and without chocolate. Just follow the instructions above when you’re ready to defrost them.
We love to eat pumpkin muffins for quick snacks or for a special breakfast treat.
They’re also a great dessert to add to a sack lunch. Just pull a frozen muffin out and stick it in a baggie and by lunchtime, it’s all thawed and ready to eat! (This used to be one of Jesse’s favorite things for me to pack in his lunch when he worked outside the home full-time.)
Pumpkin Chocolate Chip Muffins Recipe FAQ
Why are my pumpkin muffins so dense?
Often, overmixing the batter is the main reason for dense muffins. We suggest mixing the wet ingredients well, and then incorporating the dry ingredients just until the powderiness disappears.
Using whole grain flour will also cause denser muffins than if you use all purpose flour.
Baking in an oven that’s not hot enough is another cause — which is why we recommend preheating your oven to 400º for this recipe.
And finally, you’ll want to verify that your baking powder and baking soda are fresh and still active. You can do this by scooping a small amount of baking soda into vinegar and scooping a small amount of baking powder into hot water. If they fizz and bubble, they are still active. If not, you should replace them.
Is pure pumpkin the same as pumpkin puree?
Yes… these are interchangeable for this recipe (and any other recipe).
You do NOT want to use “pumpkin pie filling” though, as that already has added sugar and spices.
Should you refrigerate pumpkin muffins?
Refrigerating bread products dries them out faster than letting them sit on the counter. So since pumpkin muffins don’t have any uncooked ingredients (like cream cheese frosting) they are fine if left out on the counter. However, if you don’t plan to eat them in the first few days, they will stay freshest in the freezer.
Are muffins better with water or milk?
Either is ok, but milk can make muffins softer and more moist — which sounds like a good thing, but you can actually have muffins that are too moist. Since pumpkin is very dense and moist, we recommend sticking to the recipe and using water for this recipe.
Should I let my muffin batter rest?
The short answer: No, you don’t have too. Your muffins will taste great if you bake them immediately.
The longer answer: You can choose to let your muffin batter sit in the fridge overnight to allow the gluten structure to more fully develop. This resting time is thought to produce higher “domed” muffin tops.
So if you’re short on time, just mix and bake. Or if you want to save time in the morning, you can mix up the batter at night, let it rest in the fridge, and bake it in the morning.
Recipe
Pumpkin Chocolate Chip Muffin Recipe
These Pumpkin Chocolate Chip Muffins have been a go-to recipe at our house for as long as I can remember! The best part? They freeze beautifully!!
Ingredients
- 4 large eggs
- 2 cups granulated sugar
- 16 ounces pumpkin pureé
- 1 ½ cups vegetable oil
- 3 cups all purpose flour
- 2 tsp baking soda
- 2 tsp baking powder
- 1 tsp cinnamon
- 1 tsp salt
- 1-2 cups chocolate chips
Instructions
- Preheat oven to 400ºF.
- Grease two 12-cup muffin tins, or fill with paper liners.
- In a large mixing bowl, beat eggs, sugar, pumpkin, and oil until smooth
- Add in dry ingredients and mix well.
- Fold in chocolate chips.
- Fill muffin cups 3/4 full.
- Bake in preheated oven for 16-20 minutes, or until toothpick inserted in muffins comes out clean.
Notes
To healthify this recipe a bit, you can try the following:
- reduce sugar to 1.5 cups
- use unsweetened applesauce instead of vegetable oil
- use some (or all) whole wheat flour in place of the all purpose flour
Nutrition
Serving: 1muffin | Calories: 298kcal | Carbohydrates: 35g | Protein: 3g | Fat: 17g | Saturated Fat: 4g | Polyunsaturated Fat: 8g | Monounsaturated Fat: 3g | Trans Fat: 0.1g | Cholesterol: 31mg | Sodium: 237mg | Potassium: 89mg | Fiber: 1g | Sugar: 22g | Vitamin A: 2987IU | Vitamin C: 1mg | Calcium: 38mg | Iron: 1mg
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Did you do any freezer cooking today? If so, I’d love to see the results of your efforts! Link up your blog posts below or tell us about your success in the comments.
OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!
Click here to download!
Shared May 31, 2012
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Reader testimonial: My kids are learning to save up and pay cash for things!
Reader testimonial: My kids are learning to save up and pay cash for things!
Testimonial from Heather of CreativeFamilyMoments
Someone has been watching me very closely.
He is a logical fellow and very careful with his money. But since he’s only 10 years old, this surprises me a bit. On occasion, it’s also made me blush.
For instance, in Target, he watched as the checker circled the ‘You Saved’ amount. He turned to the line behind me and said, “Wow! It really DOES pay to use coupons. That’s a lot of money saved!”
He has a huge wish list like most kiddos, but instead of spending the money, he asks me to check the library and put new books or DS video games on hold or on request. If that’s not an option, he usually goes without instead of begging. He knows we’re on a tight budget and begging doesn’t help.
What I wasn’t anticipating, was his influence on his sisters. My youngest is always asking — she does it creatively — by slipping notes like this under my door:
I wasn’t worried because there’s no room for a trampoline in the budget. However, my son suddenly took an interest in perusing the Sunday advertising sections.Weeks went by without him saying a word until he spotted a deal on a trampoline and enclosure.
I put two and two together as I overheard him ask his older and younger sister to join him in a secret conversation. Before I knew it, they had pooled their money and found a steal of a deal on a trampoline!
Eight months later, our Nintendo Wii broke. Since it had been given as a gift in the first place, there was no plan of replacing it until my son started asking around on the playground and heard about a place that sold refurbished game stations. Again, he asked for his sisters to join him in a discussion.
So far, my kids have paid cash for a trampoline, a Wii game station with remotes, art supplies, and more.
Seeing such great results has made an impact on my daughters. I notice my eldest daughter looking at outfits at the store and then finding something similar at a consignment shop. My youngest daughter, prone to spending her money the moment she has it, has started requesting things from the library.
There’s just one problem, they’re all working hard and saving…
… and guess who just slipped a picture of a kitty under my door!
Heather Humrichouse loves to live life purposely by finding the celebratory in the ordinary. She blogs at CreativeFamilyMoments.com
Teaching Kids How to Save
Guest post from Grace of Romance Never Dies:
Starting with their first experience of mass media, kids are exposed to powerful advertising, much of it aimed directly at them. Advertisers spend millions on developing effective strategies for instilling the feeling of need for their product, and children may be especially vulnerable to this. The result is that kids can very early on fall victim to the want-want-want, spend-spend-spend trap that has been set for them.
In this kind of atmosphere, how are parents to teach their children the value of saving?
Start early
Just as teaching a child to choose healthy foods starts at a very young age, helping a child learn how to save should also start early. As soon as children become aware of the process of exchanging money for items they want, they are ready to understand the basics of saving. Because very young kids live in the “now”, don’t start out with expectations of building a college savings with them — they simply can’t identify with goals that are so far-reaching.
Start with a piggy bank
Instead, start with a little piggy bank where they can see the coins they deposit. With my three kids, I taught them from an early age to save for a special toy or small outing — something that can be accomplished within a few weeks. As a result, one of my son Dylan’s favorite toys remains the Anakin Skywalker figure from Star Wars because it was the first toy he worked towards buying with his own money.
Match their savings
To spur the excitement, parents can match their savings. For every quarter the child puts into the bank, the parents also deposit one.
Kids see their savings build quickly that way. It also helps reinforce the value of saving. You are in essence rewarding them for their attempt to save money. You might tape a picture of what they are saving for next to the bank to help them stay focused on why they are saving.
Where does their money come from? Simple, with my three I keep a chart with stickers next to the fridge which they earn for keeping their toys picked up or for helping out with other little daily chores. This reward system lets them learn as they earn. Be creative and make this fun for both the kids and adults.
Open a bank account
By the time children are in third or fourth grade, they may be ready to open a bank account. It can be very disturbing to a child who is used to seeing their money accumulate in their piggy bank to have it suddenly disappear.
So, it is up to the parents to teach them how banks work. Their money is being kept some place safe; but it is still theirs!
When Dylan was ready to get started we made a point of visiting our local bank so he could see the building in which his money would be kept.
Make interest the reward
Just as you matched their funds when they were younger, you can make a plan to chip into their savings. Interest rates are so low now, it is difficult for children to see their savings build, so this extra reward for saving helps keep their focus.
Sit down and discuss with your kids what portion of their allowance should be put in their savings. Set a minimum percentage that is always devoted to their account. They can always put in more, but should be discouraged from putting in less. You may also want to set rules for withdrawals and the minimum amount kept in the account.
The older kids get, the easier it is for them to plan for a goal further in the future. By their early high school years at the latest, they should be setting their sights on college savings and it is something I will be encouraging in my brood. Statistics show that young savers are more likely to go to college, even if that isn’t what they are saving for!
How do you encourage your kids to save money?
Grace Pamer is a work from home mom and the author of Romance Never Dies, one woman’s on-going quest to keep romance alive despite modern day time pressures.
Books We Love: Roxaboxen by Alice McLerran
I’m always on the hunt for good children’s books to check out from the library or purchase for our family library. And judging from the number of emails I receive asking me for children’s book recommendations, it appears I’m not alone.
So I thought it would be fun this summer to feature a few of the books we read and enjoy each week.
Roxaboxen by Alice McLerran has recently become one of our children’s favorite picture books. It tells the story of the author’s mother and neighbors who used boxes, sticks, shells, and more to create an innovative town complete with a bakery, ice cream shop, and jail.
My children are always fascinated and inspired when we read this book. I love how it sparks their creativity and gives them new ideas for imaginative play.
For more picture book ideas, check out my list of 15 Favorite Children’s Books.
Have you read any great books (children’s books or otherwise) recently?
Ask the Readers: What computer would you recommend?
Today’s question is from Shannon:
I’m looking to buy a new computer that will be dependable for homeschooling and other uses, but not cost an arm and a leg. Any suggestions?
I’m so out of touch with the latest technology that I really don’t know what to look for in a new machine. I’m not a “techie” and I generally use things until they die! -Shannon
Do you have a question you’d like to ask Money Saving Mom® readers? Read the submission guidelines and submit it here.
4 Tips to Get Great Deals on Quality Children’s Books
Guest post from Charity of The Homeschool Experiment
I could care less about shopping for shoes, but I anticipate my favorite used book sale for months.
I’m weird that way.
If you are a parent, chances are you love finding quality books for your kids at great prices. Used-book and curriculum fairs (whether you homeschool or not) are great opportunities for finding some gems.
If you’ll be looking for used books this summer, here are a few tips:
1. Find Pickier Sales
There are a lot of junky books out there. I personally avoid crowded library sales and other book fairs in my area that have only a few good books tucked in among lots of mediocre ones. I focus on smaller sales with higher quality books.
If you don’t know of any used-book fairs in your area, find a homeschooler. Whether you ask her in person or on a Facebook group, chances are she’ll know of a few. Any used-book fair, library sale, private-school book fair, or church curriculum sale is an option.
2. Familiarize Yourself with Great Books
How do you know what books to buy? Every year I read over the Sonlight book list on Amazon (or look through their catalog), and the Five in a Row book list to remind myself of titles. Those books are the best of the best.
Since we homeschool, I also try to plan out what books I want to read with my kids the upcoming year, maybe 10 chapter books, and 10-30 picture books. For Easy Reader books, and additional picture books, I get what looks good at the sale and supplement with the library.
I might take my list to the sale, but it’s awfully hard to shop directly from it. It just serves as a reminder and gets the books fresh in my mind.
3. Think about what you need for this year
Even if someone is giving a high school curriculum book away, I don’t take it. My kids are young (eight, six, and two), and I just don’t know what life will look like five years from now or if we’ll even need that science book.
Next year, for example, I know I’m teaching an art class at my homeschool co-op so I am looking for art and artist books, art prints, etc. I don’t actually need a lot else. I’m going to try to restrain myself.
4. Go early and take cash
I try to get there when the doors open for the best selection and I find someone to watch my kids (my brain works much better that way). I take a stroller to put the books in, otherwise, my enormous, teetering pile makes my back hurt.
My Favorite Deals:
1. Easy Readers – There are many wonderful choices here. I’m looking for books that will engage my child with history, science or poetry, or are just funny, warm stories. If a book is in great condition and we’ve loved it, I might buy it for a gift.
2. “Spine” or Anthology Books – By this, I mean books you can read every day for a few weeks or months. You’re looking for something you can get a lot of use out of.
3. Stories on tape – Since nobody listens to cassette tapes anymore, I’ve gotten some great deals on them. We once purchased a whole box for $1. Often, my daughter will listen to stories on tape during her rest time, and sometimes we’ll put in a tape at meals when Mommy needs everyone to Just. Stop. Talking.
4. Educational Toys for Toddlers — These are great to buy at curriculum fairs. You can save them for birthday or Christmas gifts, or use them to keep your toddler busy while you read to your big kids or do a project with them.
What I Don’t Buy:
1. Junky books – Like books my kids might enjoy once or twice, but without a great vocabulary or an enduring story. I try to stick to the classics!
2. Books I can get at the library – If I’m running out of money in my budget, I think, “Can I get this at the library?” It is nice to have a good home library, but I don’t need twenty Henry and Mudge books. We can own three and supplement from the library.
I do still buy new books occasionally (often hard-to-find character books at a homeschool convention), but the bulk of my book budget goes to used book sales.
After the sale I get to drive merrily home, give our new friends a happy home on our bookshelf, and show the kids (and my husband) all the great deals I got. It beats a pair of new shoes any day!
What are your favorite frugal ways to find used books?
Charity Hawkins is the author of The Homeschool Experiment: a novel. Charity lives, homeschools, and scours used-book sales in Oklahoma.
Note from Crystal: See a list of our family’s favorite picture books here.