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Monday, June 23, 2014

What I pack in my husband's lunch bag that saves us money

There was a time when eating lunch in a restaurant during your work day was just unheard of. Every working person either packed a lunch to eat at noon, or was provided with lunch by their employer, if they were working in someone's home. Heading out to drop an hour's worth of wages would have seemed ridiculous to most folks.

Today, it's relatively common to grab a restaurant meal during the lunch hour. If you have money to spare, that's great. But for our family, that money we don't spend on restaurant lunches is put to better use in other areas of our budget.

So, earlier in the month, Kristen from thefrugalgirl.com mentioned that she had to send her husband out for lunch on a couple of occasions, as she simply didn't have any leftovers to pack for him. I totally understand where she's coming from, as we reached this point, too, several years ago. The kids get bigger and suddenly, there's nothing left from dinner to pack for lunch.

In our house, this is now compounded by not just my husband needing a lunch to take everyday, but also my two daughters. (My son gets lunch for free every day, the lucky guy!) I suspect that packing lunches for the workers in the family becomes an issue at one time or another, in other frugal families, as well. So, how have I managed this, while keeping to a small grocery budget?

I could buy bread, chips, lunch meat, fruit roll-ups, pudding cups, etc. But that would burn up a large chunk of my grocery budget and, depending on choices, may only provide marginal nutrition. Here's what I do instead.

On Sunday evenings, I scramble to put together enough for my family for lunch the next day. Often this includes, some nuts, raisins, pbj sandwich, bottle of milk, and a muffin, piece of cornbread or a biscuit. This may sound like a lot of food, but what I pack covers breakfast and lunch, as my husband and daughters are out the door before 6 AM and eat breakfast while commuting.

Batch-cooking, but for lunches instead of dinners

I used to think of batch-cooking as a dinner prep help. But I've found batch-cooking to be extremely valuable for preparing lunch items, as well.

On Monday morning, I prepare large batches of 4 to 6 items from my list below.  (I'm usually in the kitchen anyway on Monday mornings, making bread or yogurt.) I choose simple-to-make items, and spend about 2 to 3 hours total.

The bonuses with making these lunch supplies are three-fold: 1) any time anyone wants a snack, they can help themselves to these healthy and low-cost, home-cooked items, and 2) any busy night when I just can't get dinner made, I can pull together a meal in minutes using some of the lunch supplies, and 3) I use whatever is left on Friday afternoon to add to a simplified version of that night's dinner menu.

I often find that I've made more than a week's supply of some items. As I'm packing menu items for the fridge, I'll put extras into the freezer, to use for another week's lunches sometime in the future.

Remember, I only make 4 to 6 of these items, not the whole list!

One fruit -- in spring and early summer, this is usually rhubarb sauce, but may also be cut up melon, fruit salad, opening a can of pineapple, or homemade fruit gelatin cups. In late summer, we usually have a lot of fresh plums and apples for lunches. When my daughters had braces on their teeth, I would slice up apples, swish with lemon juice and put into small containers or baggies, several days worth, and keep in the fridge. Just like those packaged, sliced apple snacks, only practically free (apples from our trees).

One vegetable -- this can be cut up raw veggies, or, undressed salad greens, or, oven-roasted carrots, onions, sweet potatoes, or green beans, or, a veggie medley with zucchini, onions, garlic and tomatoes.

One grain item -- usually a rice dish, such as herbed rice, Spanish rice or Asian-style vegetable fried rice. Some weeks I make a batch of flour tortillas, for making burritos, or a pan of cornbread, or make a batch of corn tortilla chips.

One soup  -- this item will usually have a good source of veggie protein, like lentils, split peas, or other cooked beans some of the soup stock from the freezer, and a lot of vegetables.

One main dish salad -- in warmer weather, I'll prepare either a pasta and veggie salad (w/lentils or beans) or a tabbouleh-type salad with grains, beans and veggies.

One treat item -- this is usually something like muffins, or, a loaf of banana bread, or, a batch of tapioca, rice pudding or custard.

One simple, low-cost protein item -- refried beans or a bean-based spread or dip, or boiled eggs. These can be eaten, as is, or in a sandwich or burrito, or with crackers, tortilla chips or raw veggies.

A small pot of cream cheese spread -- simply softened cream cheese blended with herbs from the garden (chives, parsley, basil) and some chopped olives, or, softened cream cheese blended with dried fruit or crushed, canned pineapple. I may also pick up a box of crackers from the dollar store, or make a batch of crostini, if time allows.

One quick to assemble casserole -- often this uses the odds and ends from the fridge and freezer. It can be as simple as cooked pasta, chopped canned tomatoes, Italian herbs and topped with grated cheese. I bake this in a small baking dish, for about 10 minutes to melt the cheese. Family members cut squares of the casserole and put into containers.

One batch of smoothies to freeze -- I make a pitcher of protein smoothies, using milk, peanut butter, banana, cocoa powder or berries, vanilla extract, sweetening if desired, and rolled oats (I use the recipe for a weight-gain shake one of my daughters was drinking several days per week, only I now pour into smaller containers). I pour into 6 ounce containers and freeze. These can be grabbed from the freezer on the way out the door, and eaten semi-frozen with a spoon while commuting.

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Every week I choose different items, so lunches never become hum-drum. Last week, it was lentil-vegetable soup, herbed rice, refried beans, roasted carrots and rhubarb sauce. I made a batch of flour tortillas later in the week, for do-it-yourself burritos for Thursday and Friday lunches. This week, it's fruit gelatin cups (creamy rhubarb jello),  a pasta-tomato-chicken-cheese casserole, a tabbouleh-style salad, carrot sticks and sour cream-herb dip, kale-ham-cheese muffins, and I'll open a can of pineapple.

In the mornings, family members chose the items they want and we work together to scoop into containers. They may also make a pbj sandwich, grab some yogurt, or a handful of raisins -- it's up to them. But the above items give variety to make lunches interesting for the week, hit the major food groups (whole grains, protein, fruit and vegetables) and are very low-cost to make. I estimate that I save about $20 to $25 per week preparing these items, instead of buying typical lunch fixins'.

I do have to add, all of my kids (and husband, too) are adults and have more mature tastes. Many of the items that I now prepare would not have been huge hits with the kids when they were, well, kids.

(And just an FYI -- Kristen from thefrugalgirl.com did say she now tries to have back-up lunch ideas/items for when there are no leftovers in her house. She didn't give details, but I'm sure she's come up with some awesome lunch ideas.)



Thursday, June 19, 2014

Another reason why it's important to count your blessings

I was reading this study the other day, about how feeling "poor" can lead to depression. Now I don't mean a case of the "I wish I had that handbag, boat, vacation, dinner out" depression. But depression with a big D.

Low socioeconomic status is one of the predictors of mental health problems. The reach of economic-related depression, goes beyond those individuals who we typically define as living in poverty (unable to meet their basic human needs with their income). Relative poverty, or looking around and seeing that your neighbor has enough money for more worldly luxuries than you, can lead to mental health issues, as well.

The haves and the have-nots

There will always be someone who experiences a higher standard of material living than we do. That's just a fact for all but one person in this world. But where you live can affect how much relative poverty exists for you.

Some states have a greater divide between wealthy and poor, than other states. Utah and Alaska have the least division between wealthy and poor. There are more folks right there in the middle, economically, in those two states.

The two states/districts with the highest level of income inequality are New York and the District of Columbia (Washington DC). When you think about NYC, there's the Wall Street tycoons, and then there are the many service-oriented/lower wage workers. In DC, you have the upper-echelon government members, and again the lower-paid service sector of employees. It would be tough on one's ego to live there, and be in that lower tier.

Even if you don't live in either NY or DC, one's own community can leave a person feeling "poor".

"Huge income gaps in a community can make people feel impoverished, even when they are not poor by economic standards - and blaming themselves for their "failure" may add to depression risk". (http://news.msn.com/science-technology/feeling-poor-it-could-be-linked-to-depression)

This resulting depression is more prevalent among women than men. Many jobs traditionally held by women, (education, childcare, home healthcare), don't reward the employee as well, financially as those positions traditionally held by men. Women may work as hard, or harder, in their profession, have the same amount, or greater level, of education, but still not be compensated financially to the level experienced by men. Hard work that is not fully recognized or rewarded leads to frustration, perceived lack of achievement and depression. Doesn't sound very promising, does it?

How do I deal with our relative poverty and the potential for depression?

So, what's the answer for us right now. Being aware that this could become an issue for me, just helps me to be more vigilant with my own stinkin' thinkin'. I find help in counting my blessings. Our family may be struggling to pay for our current expenses, right now, but when I take a world-view, I can see how "wealthy" we really are.

For the most part, we are experiencing a very high level of physical health. Women used to die in child birth. Babies often died in the first year or two of their lives. My grandmother's baby brother died as a child, from something that is now "fixable" with surgery. A great aunt of mine suffered with the effects of polio for her entire life. When was the last time you heard of someone contracting polio?

Even on a very tight budget, we have some of the technology that enhances our leisure time -- television, computers, cell phones, speedy methods of leisure travel (can you imagine traveling across the US by covered wagon?).

All 3 of my kids will have university educations. Even with universities becoming more and more expensive, we will be able to do this. Higher education used to be limited to the upper class, and not just because of economics, but socially limited as well.

We live in a nice (and paid-for) home, in a low-crime area, and have heat, food and clothing.

These are some of the big things that I remind myself of when feeling "poor". But everyday, I can find small moments of gratitude that boost my outlook.
  • We have a garden that is allowing me to pick fresh strawberries for breakfast each day this month. 
  • Even on a small grocery budget, there is still room for ingredients to make treats for me and my family. 
  • On Sunday, my in-laws loaned us a bag full of videos/dvds to watch this next month. 
  • I may not be able to buy a bouquet of flowers for the house, but the other day I, once again, cut a bouquet of 10 pink, hybrid tea roses, now gracing the mantel of our fireplace. 
  • My daughters kept their GPAs high enough to qualify for their merit-based scholarships, covering half of their tuition for this next year. 
  • And all three of my kids are gainfully employed. 
  • My computer died completely two weeks ago. But my family has graciously allowed me time on their assorted computers, until I can finish saving to buy a new one for myself.  And again, even on a tighter budget, there is room for this savings.
These are all physical, material things that don't even touch on the emotional/spiritual blessings I feel each day.


Some days, I do feel "poor" and depression is just waiting at the door for me to let it in. On those days, I have to think up a long, long list of blessings to count. Other days, just seeing the silver lining in "my" cloud lifts me up. (No computer of my own, right now, means more time to do other things. Cutting flowers from my own garden gets me outdoors, even in the June gloom. Keeping a garden may be work, but it's also exercise, and much more fun than walking on a treadmill for an hour each day.)

I'm not saying that we can just talk our way out of real depression. Mental health is vitally important. And real depression needs attention. But for many of us, keeping a gratitude journal, whether just a mental list or actually writing it down, can mean the difference between a positive or negative outlook on our own lives.

The other lesson from this study, I learned, is this. It's not productive to compare yourself to others, whether it's belongings, talents, health or family. Our lives are what we have. We can improve many elements of our own lives. But comparing ourselves to others seems like a huge waste of time, to me.

We had a contractor working on our house about 5 years ago. I'd see something in a magazine and come to him and say, "I wish we could use XX design/material here". He'd reply, "it is what it is. XX won't work here, so lets think of something that will." That way of thinking works in many areas of our lives.

And finally, I call on this prayer, often, in my life.

The Serenity Prayer,  written by Reinhold Niebuhr (1892-1971)

God, grant me the serenity to accept the things I cannot change,
Courage to change the things I can, and the wisdom to know the difference.
Living one day at a time; Enjoying one moment at a time; Accepting hardship as the pathway to peace.
Taking as He did, this sinful world as it is, not as I would have it.
Trusting that He will make all things right if I surrender to His will;
That I may be reasonably happy in this life, and supremely happy with Him forever in the next.
Amen.

What blessings are you counting today?


sources used for this article:
http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3968015/
http://news.msn.com/science-technology/feeling-poor-it-could-be-linked-to-depression 


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