The Forever Home

My husband is just a few short years away from retiring, and we're living in the only home we've ever owned. I don't think this is the norm these days, to only ever own one home for the duration of one's working years. Many folks are prompted to move when their family grows in size or when employment is offered in another city. Of course, my little family rented for the first 8 years of our marriage. So it's not like we've only ever lived in this house. Still, we've owned this one for almost 30 years. Consumer data indicates that the average length of homeownership is just under 12 years. So, yes, we've been in our one and only owned home for way longer than average.

I was thinking about this just this morning. My husband and I had been looking at properties in another area the last six months. One particular property had many of the features that we hoped to find. In fact, I'd been checking on this home several times per week, seeing if they'd lowered their price or if the home had been sold. Well, yesterday they accepted an offer and this house is now a pending sale. While I had a moment or two of sadness that this would not be our next home, I also began to think that God had put us in a good home that would meet the needs we reasonably expect for the rest of our lives.

Our house is a two-story, but it also has a full bath and two bedrooms on the ground floor. All needs are on this main living floor, including access to a deck and laundry. There is a single step up to the front door where a ramp could be placed, if need be. An aging couple could live easily in this house. 

Back in 2016 we had some work done on our house, and in talking to the contractor, he said that his own house was his forever home. He had retrofitted everything needed for aging in place for himself and his wife. Then he joked that the only way he'd ever leave that house was feet-first (meaning carried out of the house to his final resting place).

So here we are, still in the only house we've ever owned, and I'm contemplating all of the positives of staying here. For one thing, making a move is expensive. The actual moving costs, the taxes and fees when buying and selling properties, and the needed improvements for the next property all add up. 

The cost to move across the country average about $5000. Between capital gains taxes (after the exclusion) and real estate transfer taxes, we'd be on the hook for another $15,000 to $20,000. (Property transfer taxes are significantly higher than average in the Seattle area.) Even in a near-perfect new house, there would be several thousand dollars in upgrades that we'd want to make right away, from new carpeting to new interior paint. This could be $10,000 or more. 

By not buying the other house, we've likely saved ourselves $30,000 to $35,000, and I feel like I've been extremely conservative in these estimates. That's a substantial chunk of change. 

In addition to the savings in dollars, if we stay in this home, we avoid the hassle of moving everything and the pain of leaving behind friends and community. 

This was never in our plans, but I'm now thinking this could very well be our forever home.

When buying the smaller, more expensive per unit, version of a product is the better deal

One of the rules I try to remember when bargain shopping mania overtakes me -- don't buy more of a perishable food than I really need, even if the larger size is less expensive per unit. 

At Walmart this morning, I was buying whipping cream for making pumpkin eggnog and for topping pie later this month. I was going back and forth on whether to buy the larger quart size or the smaller pint size. 

The quart was less expensive per ounce than the pint. I remembered my rule. I ended up buying the pint. And here's why. When I buy something perishable in a larger size than I really need, I end up trying to find ways to use the excess before it goes bad. That sounds like a good thing, right, that I'm using every last bit up? The truth is, if I was only planning on using 8-10 ounces of whipping cream for a batch of eggnog and another 4-6 ounces to top Thanksgiving pie slices, then the foods I'd make with the excess would be more rich foods than we really needed. All because I wanted to use it all up while saving money on unit cost.

So while my family would have been happy to eat the extra goodies I would make with leftover whipping cream, and while I would be happy to not waste anything, we really wouldn't need that many special foods. And excess rich food seems a bit of a waste to me. 

So in this sense, paying more per ounce, but buying less (which is actually the amount I needed), is actually a better deal for my household.

Ordering Tulip and Crocus Bulbs Online

So I wanted to show you some bulbs that I ordered online from K.Van Bourgondien at dutchbulbs.com. I placed my order in early September and they were delivered in October. The company ships at the appropriate planting time for one's area.

When I ordered, I had the Home Depot website open in one tab and the dutchbulbs.com site in another. I compared prices on similar packages between the two sites. In the end I chose dutchbulbs because their prices were very slightly lower for my total order than Home Depot's, and their selection was better. The tulips were an especially good deal, while the crocus were slightly more for the quantity I was ordering. I did have to pay for shipping. Whereas if I'd ordered from Home Depot, I would have received free shipping. I still came out very slightly ahead. Despite just a small savings, I had also heard good things about this company from others.

Here's my experience:

The box arrived about 10 days ago. I couldn't plant right then, so I put the box into our cold storage room. The box itself had ventilation holes, something I'm not sure about with Home Depot boxes for bulb shipments.

I ordered 100 tulip bulbs and 100 crocus bulbs. This is how they were packaged inside the box.

The bulbs were packaged in ventilated bags.

Upon opening the bag of tulips, they mostly looked very good, and they were good sized.

There was 1 bulb, however, that was very moldy. The rest of the bulbs were in good condition.

The crocus bulbs all were in good condition and were good sized.

lunchtime -- halfway through

We got them all planted just in time before the rain returned. So, I'll see next spring how they all did.

My thoughts:

If I were to order only tulips, I would definitely choose dutchbulbs.com again, due to their great prices on tulips in particular. I'm not too disappointed with the one bulb that was moldy. I would expect that could happen with a Home Depot order as well. Like I said, we shall see how they perform next spring.

By the way, this is an unsolicited review -- simply my opinion as a full-paying customer.

What was in my grocery cart for October? Contentment in Abundance

"I don’t say this out of need, for I have learned to be content in whatever circumstances I find myself. I know how to make do with little, and I know how to make do with a lot. In any and all circumstances I have learned the secret of being content—whether well fed or hungry, whether in abundance or in need." Philippians 4:11-12

Our fridge, freezers, and pantry are stuffed to the gills right now. I had to really slam the lid down on the deep-freeze to get it to shut all the way this evening after adding more Brussel sprout greens. We have been blessed with abundance, and I'm grateful to my Provider for this blessing. 

Contentment in abundance is a Biblical principle laid out by the apostle Paul in his letters to the churches. It involves recognizing the abundance in our lives, gratitude to the One who provides all, generosity with others, and satisfaction with all that is provided.

Oct. 4  Shopping at Grocery Outlet and Walmart this day (local stores, 5-10 minute drive). At Grocery Outlet, I bought 2 boxes of graham crackers (off-brand 98 cents ea), 3 boxes saltines (off-brand 98 cents each), 5 dozen brown medium eggs (best price on eggs this week in my area $2.99/doz), fresh blueberries (just meh -- $4.99) and gouda cheese (very good $4.49) for a special lunch with one daughter. At Walmart (right across the street), I bought 2 3-lb boxes macaroni ($2.72 ea), 2 packs turkey snack sticks ($3.72 ea), 5 lbs carrots (($3.98), and a bunch of bananas (50 cents/lb). Combined both stores I spent $47.53.

Oct. 5  (Yes, the very next day) stopped at Grocery Outlet while running an errand with my husband. I bought 3 16-oz jars of Planters peanuts ($1.99 ea). Spent $5.97.

Oct. 11  The day we took a picnic lunch to the river area near us. While we brought our own food for lunch, we bought 4 slices of pie (2 pecan, 1 chocolate pecan, 1 raspberry) to take home. Spent $22.00.

Oct. 14  A big shopping at WinCo. I bought Gala apples (98 cents/lb), 10 lbs carrots ($6.98), 1 acorn squash (68 cents/lb), bananas (50 cents lb), head of green cabbage (87 cents/lb), 1 green pepper (78 cents), bulk sliced almonds ($4.58/lb), bulk natural peanut butter ($2.18/lb), about a pound of pepperoni ($6.10), 1 pumpkin (33 cents/lb), gallon milk ($3.39), 5 lbs organic flour for bread ($6.96), 2 lbs butter ($3.98 ea), 2 28-oz jars applesauce ($2.48), frozen fish sticks ($4.98), turkey breakfast sausage ($5.90), gallon oil ($5.97), 4 bags frozen peas ($1.18 ea), family pack b/s chicken breasts ($10.05). I spent $87.41.

Oct. 24  Outing to burger place near pumpkin farm. Spent $27.85 for 4 people.

Oct. 25  Walmart for a few things (mostly needed OTCs). In food I bought 1 gallon milk ($3.68), 2 packs turkey snack sticks ($3.72 ea). I spent $12.10.

Oct. 26  My husband and I had a date night out. We chose Taco Time. He had the beef nachos and I had the beef taco salad. We spent $16.07. It was a nice meal out. Taco Time is not bad for fast food. Everything there tastes fresher than other fast food taco places. For dining in, they serve the meals to the table and on real plates. At this location, the dining area is around a corner from the walk-up counter, so it feels more private. It was quiet the entire time we were there -- no other diners in the dining area. The drive-thru does a brisk business, however.

Oct. 28  Second big shopping day for the month at WinCo. I bought 1 bag of turkey breakfast sausage ($6.56) and 1 bag of pork breakfast sausage ($6.67), various meats for my husband's lunches ($8.56 total), 8 lbs butter ($3.48 lb), mayonnaise ($3.28), 5 lbs organic flour ( $6.96), 2 boxes marked down breakfast cereal (25 cents ea), Honey Crisp and Gala apples (98 cents lb), bulk peanuts ($2.38/lb), bulk natural peanut butter ($2.18 lb), bulk chili powder ($4.38 lb), bulk black pepper ($6.28 lb), bulk ginger ($6.08 lb), bulk sliced almonds ($3.98 lb), bulk cinnamon sticks ($13.88 lb), 1 acorn squash (48 cents lb), and some assorted bulk candy ($3.50). I spent $80.42.

Total spent on food for the month, including dining out and bakery purchase $299.35, which works out to about $67 per week for 4 adults.

We bought food at restaurants on three occasions this month, which is very unusual for us. However, we had decided to do a few local things in lieu of taking a vacation this year. So, while we spent $65.92 on restaurant/bakery foods, we saved a lot by not taking a vacation.

So what was in my cart?

for the pantry

2 boxes graham crackers

3 boxes saltine crackers

6 lbs macaroni pasta

4 lbs peanuts

sliced almonds (I use these in pesto and almond coconut bar cookies)

10 lbs organic flour (this is the only white flour that's available in my stores that does not contain barley, barley malt, malt extract, malted barley, or enzymes (barley-based))

gallon oil

jar of mayonnaise

2 boxes cereal

chili powder

ground ginger

black pepper

cinnamon sticks

bulk candy

2 containers natural peanut butter (not really pantry, needs refrigeration to extend time)

dairy and eggs

5 dozen eggs

Gouda cheese

2 gallons milk

10 lbs butter

produce

15 lbs carrots

2 bunches bananas

many lbs of apples

2 acorn squash

cabbage

green pepper

box of fresh blueberries

1 pumpkin

4 bags frozen peas

2 jars applesauce

meat

1 lb pepperoni (enough for 5-6 large pizzas)

frozen fish sticks

breakfast sausage (3 bags)

meats to cook for my husband's lunches

4 packs turkey snack sticks

family pack chicken breasts, b/s

other

3 meals or dessert out

Name One Soup That . . .

. . . you could make with what you have at home this week.

Soup is one of the most frugal foods, financially, calorically, and time-wise. You can add all sorts of odds and ends from the kitchen, cellar, garden or spare freezer. Soup is one-pot cooking at its finest. Start it on the stove or in the crockpot, and leave it to simmer until you're ready to eat. A bowl of soup, some crackers or bread, and you have a meal. Bonus -- on a chilly day, a steaming bowl of soup will warm you from the inside out.

Here's your challenge: Think of one soup that you could make this week using what you have on hand. Thinking of what you could cook with on-hand ingredients is a good exercise to do from time to time. It always helps me see the possibilities. Sharing your one soup, here in the comments, will also help the rest of us, as we think through whether or not your soup would work for our ingredients.

So, name your soup plus the list of ingredients it takes.

Anyway, I'll start. My soup is Cream of Green. I use kale, broccoli, collards, spinach, chard, or as I used this week, Brussel sprout leaves (they're like collards). In addition to the raw, chopped greens, I used 1 onion, 1 clove of garlic, some celery leaves, nutmeg, dried thyme, salt, pepper, milk (I used unsweetened soy milk), flour, butter, oil, water. We topped our bowls of Cream of Green with cheddar cheese. A creamy and hearty soup.

Your turn. In the comments name the soup you could make with what you have on hand and list its ingredients.

Refilling A Depleted Emergency Fund

We all know that an emergency fund within our budget is essential to surviving the unplanned and unforeseen events that happen in life. Events this past winter and spring plowed right through my family's rather generous emergency fund. In fact, we needed to tap into money that we had set aside for retirement. (This was not tax-deferred money, so we don't owe any penalties for withdrawal). A slew of unforeseen events can wipe a person's account out in a matter of months. And it can happen to anybody at any time.

My husband and I add to our emergency fund each month, so its growth is never stagnant. But the amount added each month is not enough to quickly replenish the fund. Should anything else happen, we'd need to take more money out of that set aside for our future. So, we are attempting to rapidly refill our emergency fund. 

Here are my thoughts on how this is achievable.

How to refill after an emergency fund has been depleted

There are 2 ways to go about this, cut back on spending or bring in more money. Cutting back on spending can be the simpler way to go about this. while bringing in more income has more avenues to pursue.

• cut back spending in all discretionary areas and redirect that money towards refilling the fund. In the past, we've simply cut every variable category by a flat percentage. This works well for us and doesn't leave us feeling too deprived.
• bring in more money via yard/ebay/Craigslist/Facebook marketplace sales of used household items or clothing. Bring in more money through temporary side or supplementary employment (temporary holiday job, online gig work, such as Cambly or Upwork, start/rejuvenate and monetize a blog or YouTube channel, take on extra shifts with current employer, take on part time work through a new employer.

If you do just one of these checklist items, your emergency fund could be refilled with time. However, if you pursue several avenues, the time-to-goal can be dramatically reduced.

How it's going for my family

What we've done

• we had a yard sale this summer, getting rid of kid stuff and unwanted furniture while adding to our emergency fund.
• my husband has picked up additional work in his field. This is work he does remotely and can do on weekends/evenings. 
• I've cut our budget in many areas. Some of the basic frugal things we've been doing: diligently turning down heat when no one is home, cooking/baking from scratch regularly, using the oven for several items at one time instead of heating the oven multiple times, sticking to grocery lists when shopping, mending clothing instead of buying new pieces, harvesting as much as I can from the garden and freezing for winter meals, substituted free or cheap day outings in place of an extended vacation this summer.

The impact so far

We've already refilled about 40% of our emergency fund (and this is after we bought a second car). We're at a point right now that we could handle one major appliance repair or replacement, if need be. 

Our monthly contributions to an emergency fund are roughly four to five times what they normally would be. It's fair to say that we're being aggressive about saving right now, forgoing most discretionary spending. And yet, I don't think we feel deprived. 

I try to plan for fun but free or cheap entertainment and meals on a regular basis. We continue to have Friday pizza (homemade) and movie nights (library DVDs or what we can stream for free through library's apps, or borrowing DVDs from friends). We had a game day in early September which was a lot of fun. This month we went to a pumpkin farm. By mid-November there will be many holiday activities to enjoy for free or low-cost. For example, the pumpkin farm does a  Christmas thing between the middle of November and the middle of December. 

If all continues to go well, our emergency fund should be fully replenished by the end of 2025. That's not that far off.

Playing Hooky

A day at the pumpkin farm

I played hooky this morning. But so did my family. So I don't feel too badly about it.  October is quickly coming to an end. This would be our last week to go out to the pumpkin and corn fields.

This farm sits on 70 acres of land. I think the pumpkin fields use up about 4 of those acres. We made our way through the pumpkins for about an hour and put 1 mile on the step-counter app on my phone. When I would stop and stand still, it was so quiet. This is what I want in retirement, a place where it's quiet, like this.

There must be several acres in corn here, the corn rows that bound a couple of sides of the pumpkin fields, the corn maze patch, and a very large field of corn across the road from the public part of the farm.

The trees were gorgeous, the sky was pale blue with a few clouds floating by, and the sun shone on us this morning. We were very fortunate with the weather. It has been so rainy and cold lately. We all brought our boots to wear in the fields, as we knew it would be. very muddy.

When I say fields of pumpkins, there was literally one field after the next still filled with pumpkins, some fully ripe, others still green, and more in the early stages of development with blossoms still opening waiting for a pollinator.

This farm divides its fields up by size of pumpkin. There was the little kids' pumpkin patch, with pumpkins sized to appeal to the littles. Many preschool age kids were there this morning, and they mostly stayed in the little kids' patch. The patch we tromped through was filled with the large pumpkins, some as large as beachballs. 

The corn was in differing stages of growth. Some were being harvested to sell at the farm stand at the front of the farm. I inquired about the price per ear. They were $1.25 each. Ouch! I decided not to buy any at that price. I realize they make their money selling pumpkins, corn, and products at inflated prices. No worry, I would spend a some money in their little store in just a short while. I want to support their family-owned business so they continue to be a part of our family's adventures.

The sell snacks and coffee, also at inflated prices. However, I decided to bring something from home for us to enjoy at their picnic tables. I brought thick slices of freshly-baked pumpkin bread and a thermos of hot chai herb tea. We sat and talked in the sunshine while enjoying our little snack at the farm until a group of preschoolers and their teachers swarmed the area. I adore little kids. But what I really wanted in this moment was quiet.

We wandered over to the retail area of the farm. In the little store they sold, you guessed it, pumpkin butter, for $8.95 per jar.

Fortunately for us, we can make our own pumpkin butter for a fraction of that price.

They had a few interesting canned goods, such as this cinnamon apple syrup. One of the things I do when finding something interesting like this is turn the jar or bottle over and take a photo of the ingredients label. 

I can often reverse engineer a recipe for a homemade version of a product if the ingredients are simple enough. The syrup was even more expensive than the pumpkin butter. So again, I passed on this product. 

Here is an idea for a DIY gift-able that I wanted to share with you. The sign calls them "Simmer Pots."

Much of what you're paying for is attractive packaging. These would be super simple to assemble and give as gifts. They include dried fruit, like orange slices, dried herbs, pods, and spices, packaged in a canning jar, tied with baker's twine, and given a label with instructions.

They came in different fragrances. I focused on this one, as it looked appealing in the jar. It contained cinnamon sticks, whole cloves, dried orange slices, star anise, nutmeg, and rosemary. The directions say to put the entire contents of the jar in a saucepan with 2 cups of water, then simmer on the stove to fragrance your home. 

I told you that I did spend some money at the farm. I bought two gifts for my son and daughter-in-law for their upcoming birthdays, one, a jar of unusual jam (fig, raspberry, orange zest, and ginger), and two, a candle in a fragrance that both my daughter-in-law and I love, Fraser Fir. Yes, these gifts were expensive, but with the jam, it supports the farm, and the candle is from a local cottage industry business. Supporting small businesses that are local is a priority in my spending when possible.

After changing back into shoes when we left the farm, we made a lunch stop at a family-owned burger place. We went to this restaurant after visiting the pumpkin farm several years ago and wanted to go again. The burgers are really tasty and the onion rings are crispy. This burger place has been in operation and family-owned since 1959. It's cute. It's funky. And the food is perfect. What more could we ask for?

A day of hooky every now and then is rejuvenating. I'll get back to regular work tomorrow.

Three Shirt Days

We've entered the time of year that my family calls the "three shirt days." These are the days when it feels so cold to us that we often wear 3 shirts or 3 layers during the day at home. For some reason a 55 degree F day in fall is so much harder to take than a 55 degree F day in spring.

Sitting around the dinner table, we have these discussions on which is the best way to layer, long underwear against the skin, or tank top first then long underwear, or a couple of flannels over a long-sleeved tee, or fleece over any two layers. Today I chose long underwear under a thin sweater hoodie, topped with a fleece zip up jacket.

According to REI, the outdoor adventure store and their gurus, there is a right way to layer. The first layer should be long undies in a fabric that will wick away moisture. Makes sense, cause when you feel sweaty in cold weather, you just feel chilly overall. The second layer should be insulating, like polyester fleece or something like down or synthetic puffy jackets or vests. The third layer should be a waterproof and windproof shell, like a windbreaker or jacket. Obviously, these are outdoor recommendations for dressing. But perhaps some of the same principles could be put in use for indoor dressing. While indoors I don't need anything water or wind proof. However, the wicking long underwear top does make a good base layer for the reasons they stated, to draw moisture off the skin. I do like the insulating effect of polyester fleece. Fleece has some breathability, too, which is welcome. So, I'm good for two layers according to REI.

I also consulted some emergency/survival websites on how to dress for indoor warmth in the event of a power outage. While a power outage is an extreme case, some of their tips could prove helpful for me, an always cold person. While our furnace is indeed working, we keep the house on the cool side compared to what I grew up with. Survival Frog recommends wearing layers that would include thermal and/or woolen garments. Wool is the traditional cold weather fabric. It was around long before polyester fleece or waffle-weave thermals ever existed. I think wool has fallen out of favor a bit for a couple of reasons. It can be itchy, it's more fussy to launder, it attracts moths when in storage, if it gets soaked in the rain, it takes a while to thoroughly dry, and it can smell when wet. Meanwhile, poly fleece goes into the washing machine and dryer, doesn't have a weird smell, doesn't shrink, and isn't itchy. 

The Frog also suggests wearing usual outdoor accessories indoors when suffering a power outage, such as scarves, hats, mittens, thick socks, and always shoes. I always wear shoes indoors because my feet prefer it. And I occasionally wear a knit headband indoors. It's really, true, though, wearing a hat or knit headband must hold in some heat, as I actually get sweaty when wearing something on  my head indoors for very long. Despite my anecdotal evidence for wearing a hat to hold in heat, it's not true that you lose 40% to 45% of your body's heat through your head. According to WedMD, you lose the amount of heat through your head at the same rate as any other exposed part of your body. Your head makes up about 10% of the surface area of your being. So if your head is uncovered, you would lose approximately 10% of your heat through your head. But still, if you're chilly, blocking 10% of your body's heat from escaping will be 10% saved heat. And that's something.

Here's an idea I may try this winter, making some pocket hand warmers from my 100% cotton flannel fabric scraps, rice, and some cotton thread. To warm them, pop them into the microwave for 20-30 seconds or more, then tuck them into hoodie pockets. Instructions and tips can be found at All Free Sewing.

I find I drink a lot of tea, hot cider, hot decaf, broth, and simply hot water this time of year. Warming up my insides goes a long way toward keeping me more comfortable as the weather turns chillier.

When we're sitting, we use blankets and throws to hold in heat. And I've been known to bring a fleece throw to the kitchen table in the early mornings. We call these "fleece napkins" in our house.

Did you know there's a "right" way to make your bed for chilly nights? According to Life Hacker, you'll stay warmer if you put a thin wicking layer (such as a flannel sheet) closest to your skin, then an insulating layer (such as a puffy comforter or knit/crochet blanket), followed by a topping of a densely woven blanket (such as wool or dense polyester). This follows REI's advice to start with a wicking layer, then an insulating layer, and finally the layer that blocks heat loss. In the bedding's case, putting the dense blanket on top prevents convective heat loss.

You know, in our house there is such a thing as a four shirt day, too. Those are the days when I wash my hair. Wet hair makes for a chilly day. And long hair takes a long time to dry. I try to choose to wash my hair on a day when I'm planning on being some place warm for part of the day, such as an appointment in a well-heated office or church. I pull my hair back neatly while still wet. By the time I get home, my hair is about half dry and I can bear the chilly indoor air for rest of the time needed.

I can feel it already. It's going to be a long time before the two shirt days return.

That's how we stay warm on these three shirt days. When the weather turns chilly, how do you stay warm? Are you an always cold person, too? Or do you run on the warm side?

sources:
https://www.rei.com/learn/expert-advice/layering-basics.html
https://www.survivalfrog.com/blogs/survival/11-ways-to-stay-warm-during-a-winter-power-outage
https://www.webmd.com/a-to-z-guides/features/do-we-really-lose-most-of-our-heat-through-our-heads
https://www.allfreesewing.com/Winter-Projects/DIY-Hand-Warmers
https://lifehacker.com/how-to-feel-warmer-if-youre-always-cold-1848310457

Pumpkin Spice Butter, Using Canned or Fresh-Cooked Pumpkin

Many years ago our family went to a pumpkin and corn farm in the fall. In addition to fields of pumpkins and corn, they had this cute little store at the front of the farm. The store's shelves were lined with jars of relishes, jams, and butters. Being a crisp October day, one of the butters in particular caught my eye, the pumpkin spice butter. It was about $5 a jar back then. I didn't buy any, but decided to try making it myself. I played around with a few recipes and came up with something of my own that we enjoy at our house. And it's a fraction of the cost of the pumpkin butter from the farm store, specialty market, or any place else you might find it. 

I thought I'd share this recipe in case anyone wanted to try making a small batch of pumpkin butter for themselves. And since you can use canned pumpkin, your pumpkin butter can be made with ease.

Pumpkin Spice Butter

one 15-oz can or 2 cups strained (to remove excess liquid) home-cooked pumpkin
1 teaspoon cinnamon
1/8 teaspoon or a bit more ground cloves, depending on preference
5/8 teaspoon ground ginger
3/8 to 1/2 teaspoon ground nutmeg, depending on preference
3/4 cup granulated sugar

1/3 cup apple juice or apple cider
3/4 teaspoon to 1 teaspoon lemon juice

(tiny dash salt, optional, see notes below)

Stir all ingredients except the lemon juice together a medium saucepan and cook over the lowest setting on stove until dark brown and thick. Stir in lemon juice. When done, you can draw a spoon across the bottom of the pan and no liquid will seep into the scraped space, and it should hold its shape on a spoon like stiff mashed potatoes. 

Cook this low and slow. I left mine to cook for a little over an hour on the lowest setting on my stove, stirring periodically to prevent scorching. I was busy with other kitchen and laundry chores that day, so it's not like I was standing at the stove for all of this time. I began with half home-cooked pumpkin, which is more watery, and half canned. So if you're making yours with all canned pumpkin, your cooking time will be a little shorter.

Yields about 12 to 14 ounces

note: I'll also add that one of my daughters likes this pumpkin butter with a dash of salt. So some years I add just that, a very tiny dash of salt to the cooked butter.

Keep refrigerated for up to 4 weeks or frozen up to several months. Do not can this pumpkin butter. However, you'll be pleased to know that it freezes beautifully. 

With this last batch, I refrigerated half to use this month and froze half to enjoy later.

If what you prefer is butternut squash over pumpkin, this also makes a delicious butternut squash butter.

Ways to use pumpkin butter:

• as a spread on toast, scones, biscuits, or plain muffins
• filling for cinnamon swirl-type breads or rolls
• to add a generous dollop to French toast, waffles, or pancakes
• blended with softened cream cheese as a spread on bagels
• to fill small, baked tart shells
• as the filling for a spice or vanilla cake between the layers
• use a dollop on curried lentils or meat in place of chutney
• as a condiment to roast pork or poultry
• as a dip or spread for apple or pear wedges
• layered in an autumn parfait of pudding: pumpkin butter, whipped cream and a nut sprinkle
• blend with caramel sauce for topping ice cream
• blended into plain eggnog 

Have you tried pumpkin butter? What did you think? 

Harvest Season: Making Use of Every Last Bit

Industry, perseverance, and frugality make fortune yield.
--Benjamin Franklin

If I say the phrase "harvest season" what comes to mind? I think about bringing in corn, pumpkins, squashes, and apples.

In our summer garden, we eat our favorites, the best of the best. In our harvest season garden, I'm bringing in all of the odds and ends and some foods that don't look as great as their summer versions (celery is one of those veggies). So harvest season for me is all about bringing in the last of the edible veggies.

I've been working diligently at harvesting everything edible from our garden. Every day, I go out there to see what needs to be picked that day before it will no longer be a desirable food.

I told you about the carrot leaf pesto I made last week and the week before. This past Saturday, I picked every nasturtium leaf bigger than a dime to make a third batch of pesto. I filled out the quantity with parsley and watercress. The resulting nasturtium-watercress-parsely pesto is delicious. One of my favorite ways to use pesto is on macaroni pasta with a little diced tomato and Parmesan cheese blended in. When this current batch of pesto is gone, I'll make radish leaf and watercress pesto using veggies from the fall container garden.

I also told you about the crabapple sauce I made last week. I used a cup of it in the applesauce-raisin bar cookies that I baked over the weekend. Crabapple sauce can have a sharp flavor on its own. But in the cookies it was delicious. To eat this sauce as is, I blend it 50/50 with plain applesauce to mellow the flavor. I still have about 1/3 of the crabapples left to harvest. I plan on making cider with these apples.

One daughter had some time one day to help me harvest greens to chop and freeze. We harvested Swiss chard, sorrel, Brussel sprout leaves, and parsley on that day. You can cut about half of the Brussel sprout leaves at this point in the season without compromising the growth of the sprouts. We sliced them thin and froze in a large bag. The texture of Brussel sprout leaves is a lot like kale, but a bit thicker. The Swiss chard will be the first of the garden greens to die out from the cold, wet weather. So, I've been making an effort to pick those regularly for meals, as well and the large bag that we froze. Sorrel has a lemony taste but a texture much like Swiss chard. So we chopped and froze the sorrel and bagged with with the chard. The two together should go well in quiches, frittatas, and soups. Parsley will do well for several more weeks. But as we have so much of it, we're working at harvesting it for the freezer on a regular basis. Frozen parsley can be added to sauces, soups, stews, vegetable medleys, and winter pesto.

I harvested a third batch of unripe figs on Saturday to preserve in a light syrup flavored with cloves and lemon juice. So far I've canned about 16 jars of sweet green figs to enjoy throughout winter. When we finish a jar of the figs, I use the syrup to flavor and sweeten hot tea or pour over pancakes.

Yesterday I cut all of the long stems of rosemary to dry on the counter this week. Rosemary is a nice flavor addition to potatoes and various Mediterranean dishes. Later this week I'll harvest more thyme for winter cooking. Thyme is my favorite herb to use with beef dishes.

I picked the last remaining small green tomatoes today. I  chopped them fine and froze to add to chocolate spice muffins (Green Tomatoes in Hiding) when I bake again soon. It's time to pull the tomato plants up and pile them on the compost heap.

I also began harvesting the celery plants today. I pulled up about half of the plants, chopped, and froze the stems and leaves in a large bag to use in winter soups and sauces. I also harvested the last of the cucumbers and summer squash plus some green beans this morning. And I picked what are probably the last of the overbearing raspberries. One more cold night like last night and the raspberries are gone.

I will need to harvest the Brussel sprouts, the remaining Brussel sprout leaves, the remaining green beans, the rest of the Swiss chard, celery, and parsley, the last third of the crabapples, and perhaps one more batch of green unripe figs.

When your harvest is carrot greens or nasturtium leaves or unripe figs, you have to be creative in how you cook those foods and diligent at using them up. My lunches and dinners have featured a lot of oddball pestos, crabapple-apple sauce, the top leafy parts of celery stalks, and preserved unripe figs. You do what you've got to do.

It's been a lot of work. I mentioned to my husband that I could probably harvest every edible thing we grow if I had an assistant. But alas, all of my potential assistants have their own jobs. So, I'm doing my best to harvest what I can.

Owning Your Frugal Knowledge for Life

Today was crabapple sauce day. I made 13 pints of crabapple sauce for the freezer.

In the comments from yesterday's post, Tina reminded me of a thought I've had over the years: Once you learn a frugal skill, you own that knowledge for life. And if you learned that skill early in life, you own the knowledge for a long time, which means you save yourself a lot of money instead of a little. An example, if you taught yourself how to change the oil in your car when you were a teen, you can save thousands and thousands of dollars on home oil changes over your lifetime. 

Even if you're living on easy street for a while, if the tide turns for you later on, you can revert back to your learned frugal skills. Frugal skills and knowledge remain with us throughout our lives. We own the mental access to that information.

As Tina mentioned yesterday, returning to some of her frugal skills learned in her younger days is allowing her to choose her career at this later time.  She's not locked into a job that she doesn't enjoy. 

my Foley food mill for making applesauce

As with other types of skills, we build on our frugal skills with useful tools or seeking out better ways to do things. And mastering one frugal skill often leads to the mastery of adjacent frugal skills.

a cup of sour milk that no one would drink was used in a batch of pancakes this morning

homemade pancake syrup -- brown sugar, water, salt

Sometimes it isn't a skill but a tip that you learn and incorporate into your life that is money-saving. Once you've learned that tip, you own that knowledge and can refer back to it over and over.

I believe that many of these basic frugal skills and knowledge should be taught in school again. While you can learn them on the fly as needed, it's a whole lot simpler to learn them when you're young and not in the throes of a spoiling milk emergency. After all, life's emergencies often don't come with a warning.

Covid, the lockdowns, the shortages were evidence that many of us weren't really prepared. Imagine how much less stressful that period would have been all around if everyone had gone into the pandemic with some basic frugal life skills, like cooking at home. Having survived 2020, are we as a society better equipped to handle a future emergency? Did many people learn some useful skills for thriving in adverse situations? I hope so. Learning how to bake bread is like learning to ride a bike. It all comes back to you when you try again.

 

(Tina, I hope it's okay with you that I referenced your comment in this post.)

What motivates your frugality?

Frugal dinner for two. We could have eaten out, but chose to stay in for a home-cooked meal of leftover meatloaf on macaroni (my cheapest pasta shape), smothered with homemade Italian tomato sauce, with garden green beans on the side. Dessert was a home-made apple crisp made with our tree apples.

Today was all about making salsa. I've now put up 16 pints of salsa for this coming year. I'm glad to have scratched salsa off my list. I could buy salsa. The store brands are not that expensive.  However, we like my homemade salsa, and we love that there's always a jar at the ready for meals and snacks. And the $$ savings is nice, too.

So while de-seeding peppers and chopping vegetables I was thinking about all of the reasons we continue to live a frugal life, my motivators for frugality. The list is long, warning. But it sums up why my husband and I have chosen to be frugal.

My reasons are primarily financial (not a surprise), but a few reasons are more ideological. Some reasons have to do with parenting, although one could argue that everything we do that our kids can see is parenting through example. Some reasons have to do with my place in God's kingdom, how I love the world through generosity with what I've been given. Some reasons have to do with my personal fears and what ifs.

In no particular order, here's my list:

• to stretch limited finances to cover all our current needs
• to never go into debt and risk losing what we have gained due to missed loan payments
• to save for our future when we'll be less able to work and may need more hired assistance
• to pay for a few luxuries in our lives - well-maintained home, garden, and car, plus a vacation every few years
• to give generously to those in need and to support our church and missions
• to leave something to our children and causes that we support
• a challenge to do what culture has said is impossible -- American dream on one income
• to allow one person to focus on nurturing the family, home, and giving time to others
• to set an example for my kids and others around me
• to be responsible and pay for the things and services we use
• to save for unforeseen circumstances or needs
• in the past, but pay for education for our children without taking out loans (ours or theirs)
• to offer financial help to any of our family when they need it
• to not be wasteful -- I abhor waste, it really gets to me
• for a mentally, spiritually, and physically healthier lifestyle

I have days when I wonder "why bother? Why not just live my life spending without thinking?" Then I think of my motivations. This (almost) always triggers reason in my mind.

Our motivations have shifted over the years, obviously. In our early years of marriage, being frugal was a matter of survival. Over time we've slowly built up a cushion, so we aren't living on the edge any longer. Our focus has changed from children's basic needs, to older children's educations, and now to our own future retirement. 

I may have missed a motivator or two. But I think my list hits all of the most important reasons for our frugality.

So, what motivates your frugality?

An Autumn Picnic

This was the view we had at the river.

From the kitchen window I could see a sky awash with pink clouds early that morning. I had my fingers crossed that we would have beautiful weather for this day. We were rapidly running out of nice autumn days to enjoy a picnic at the river. It needed to be warm enough that we wouldn't shiver during our lunch on the grass. As it turned out, the gentle warmth from the sunshine melted our cares away.

This small park along the river in the vintage district is virtually unknown to the average shopper and peruser. It never ceases to amaze me that we can have the entire park practically to ourselves. Meanwhile, just up the trail from where we picnic is a cafe with outdoor seating, with exactly the same view that we enjoy at no cost. The wait time for a table on this cafe's patio looked to be at least 30 minutes, with eager diners standing in the doorway as we passed by to the trail which would take us to the river front.

The previous afternoon I'd made a batch of hummus and a batch of pesto to go with dinner. I'd deliberately made enough for leftovers to take to the river the next day. In the morning, we made hummus-pesto-fresh tomato sandwiches on whole wheat bread. We cut up apples, packed some apple-raisin bar cookies and some cubes of cheddar, and made a large thermos of apple-spice tea. The tea was a 50/50 blend of apple cider and black tea plus a pinch of cloves and dash of cinnamon, all heated together. Our al fresco repast was as enjoyable to us as any diner meal would be.

After our lunch we peeked into the various vintage stores then stopped by the pie shop to each select a slice to bring home. Perhaps that doesn't make sense -- we saved by bringing our own lunch, but then spent on pie to take home. Having the assorted slices of pie after dinner was our way of extending the pleasures of the day into the evening. 

Just as the weather forecasters predicted, our lovely warm autumn days washed away with the rainfall Monday morning. 

I don't know why I felt we needed a picnic to mark this autumn. This isn't something we've done in the past. Perhaps this year, with several difficulties, I just felt we needed to celebrate something, anything, celebrate that we are well and here together, celebrate that seasons are cyclical, and we will always return to summer. Maybe we don't need something to celebrate, but we can just enjoy being. Anyway, this was our autumn picnic.

My Autumn Container Garden Progress

I wanted to show you what's possible for a fall season, shallow container garden in a cool maritime climate. We get our first freeze (32 degrees or lower) in early to mid-November most years. Up against our house on the south-facing side, temperatures can be a degree or two warmer, even at night. That gives us some leeway for keeping a fall container garden going well into fall.

I realize that in many areas, it's already too cold to begin a container garden for fall, even with fast growing vegetables like radish greens. Still, I wanted to show you in photos what can be grown, to keep in mind for future growing seasons.

I'm growing two vegetables this fall, radishes for the greens and watercress. Both of these greens are frost tolerant and can grow in the reduced amount of sunlight that we receive this time of year.

The containers I'm using are fairly shallow, about 7 inches high. I posted about them in the spring, showing that I drilled drainage holes on the bottoms and lower sides.

In this first container, (above) I started radish seeds around Labor Day (the first weekend of September). I planted the seeds close enough to not expect radish roots, but to focus on the greens. I use radish greens in soups, stir fries, salads, and pesto. This batch is now ready to begin harvesting at about 6 weeks since sowing.

This next container (and two others just like it) were seeded with radish seeds around 3 weeks ago, about the end of the 3rd week of September. Due to sowing later in the fall, they were slower to germinate than the ones sown around the first of September. I expect these will be ready to harvest for cooking in about 1 month (early to mid-November). 

At the same time that I seeded the second batch of radish containers I also seeded a container of watercress. Watercress is a slower grower than radishes. Their primary merit this time of year is that watercress can survive occasional overnight freezes once the plants are large enough. I may have waited too long to start them for fall. If push comes to shove, I can bring this container and the radish ones inside and place under lights or in the window to continue growth. For now, both vegetables do better in colder outdoor temperatures than heated indoor areas.

All of the containers are out in the open right now so they can benefit from maximum rainfall for the time being. As the nights become colder, I'll move the containers up against the house. The greens will likely stop putting on new growth in early November. Keeping them up against the house but still outdoors will only serve to hold them until I want to cook with them.

Many of you just want gardening season to be over. I get that. But for those of you finding produce prices, especially leafy greens, to be outrageous this fall (as I am finding in my stores), here's a way to grow some of your own leafy greens, even well into fall depending on your growing zone. I reused my spring and summer containers, the soil within, and without any additional amendments (no fertilizer or compost added for fall growing). There seems to be enough residual nutrients in the "used" soil for these current leafy greens to grow.  The seeds are all from what I've saved when my plants went to seed. So there's been no cost in the seeds either. Whatever grows in these containers will be free for me and with very little work. That's a price I can't pass up.

Like I said earlier in this post, this may be too late for others this year, with exception of those living in the southern tier of the US. However, this is a viable idea for fall seasons.