7 Ways to Stop Eating Out and Start Saving Money

family%20eating%20at%20dinner%20tableCut back on the amount you spend on take-out and restaurant dining. Although it may be the easier way out to dine out, it will become hard once you realize how much money you actually spend per year at restaurants and fast food venues. The average American household spends almost half of its food budget on eating out — out of about $6,000 spent on food a year, about $2,700 goes to eating out. Alcoholic beverages alone contribute almost $500 to that budget. Eating at home is not only cheaper, but it’s most often a lot healthier too. Here are some ways you can avoid the temptations and cravings of fast food:

1. Grab and eat foods rule. One of the reasons we love fast food is because it’s fast. In just a few minutes, we’re chowing on hot, tasty foods that satisfy our need for immediate gratification. Healthy foods to keep on hand are trail mix, fresh fruits and veggies (precut for easier consumption), granola bars (yes, you can make your own at home), pudding or Jello, pretzels, cottage cheese, salads, and sweet treats like miniature candy bars or Hershey’s kisses. Packaging foods in individual bags makes it easy to take snacks with you when you leave the house, too.

2. Money saved is money earned. Start a special savings fund for something you’ve always wanted, like that new fishing boat motor, an iPad, or an exotic vacation. Every time you’re tempted to eat out, take the money you would have spent on take-out food and add it to your dream fund. The knowledge of saving for something worthwhile is often enough of a motivator to keep you from turning into McDonald’s after work.

3. Make cooking at home enjoyable. Turn up your favorite music, involve the whole family, or splurge on a nice set of spices. Whatever it takes to make cooking enjoyable for you is a worthwhile investment. Trying out new recipes, creating your own dishes, and filling your home with the smells of home cooked food can all be great starting points for fostering a love of cooking. If it’s enjoyable, cooking at home can be healthy and relaxing, making it an ideal hobby.

4. Planning ahead helps you avoid temptation. Menu planning and preparing foods in advance can really help out when you’re feeling unmotivated to cook, and tempted to eat out. You can make your own Hot Pockets and freeze them for later, or keep a prepared menu every week to take the pain out of deciding what’s for supper.

5. Learn to make your favorite fast foods at home. If you simply can’t live without that Big Mac, or you get a weekly hankering for KFC chicken, you can learn to recreate your favorite fast food recipes at home.

6. Make meals a social occasion. Another way to take the pain out of eating at home is to create a meal rotation plan with your neighbors and friends. You rotate meeting at everybody’s homes one day a week to showcase everyone’s cooking skills and to enjoy some fun times. Quite often, the company makes even the most mundane meals exciting.

7. Spruce up your kitchen and dining area. If you take time to make your kitchen and dining area appealing, you will be extra motivated to spend time in those areas of your home. If your kitchen features brightly colored dishes and your favorite framed prints, you might be more likely to be drawn to your own kitchen rather than a fast food restaurant.

Article Source: http://moneyning.com/frugality/7-ways-to-stop-eating-out/

5 Tips for Holding a Frugal BBQ

One of the many joys of summer are BBQs. The aroma of hamburgers and hotdogs grilling, the refreshing taste of lemonade and watermelon and finger licking corn on the cob…can you say YUM?! But as we know, frequent outdoor entertaining can become quite pricey. Here are a few ways to save some money:

portal-graphics-20_1156087a1. Bring Your Own

The classic BBQ frugal tip is to have guests bring their own. They can bring whatever type of meat they want — or other items to grill, including fish, veggies, and tofu/soy based meat substitutes. Not only can this save you money, but it also ensures that everyone is happy with the BBQ offerings.

Even if you don’t have your guests bring their own meat, it’s possible to have them bring their own drinks. This is a great way to make sure that everyone has the drink he or she wants, and it can save you money — especially if your guests prefer alcoholic drinks.

2. Pot Luck

Perhaps you want to provide the meat and the drinks. You can reduce your costs in other areas by asking guests to bring something to share with everyone. Assign chips, fruit bowl, veggie tray, buns, condiments, and other items. You can even ask someone to bring the paper plates, napkins, and cups. If you are doing a themed BBQ, ask someone to bring decorations. This will help you save a little money on the affair, and ensure that everyone has a good time.

3. Consider Plastic Dinnerware

If you are serious about providing BBQ entertainment, you can purchase inexpensive, reusable plastic dinnerware. The initial outlay is a little bit more, but you can reuse the plates, cups, and utensils year after year. You won’t have to keep buying the paper versions (which can get expensive). The clean up isn’t too bad, either, as long as you get dinnerware that is dishwasher safe.

4. Carefully Consider Your Meat Purchases

Those who like providing the meat can do so less expensively by taking care to consider what they choose. Bone-in steaks are often less expensive than boneless varieties (and it helps keep the meat from drying out). You can also buy ground beef and form your own patties, rather than buying pre-made patties. Another option is to make kabobs. You use less meat, and more veggies, so you can keep the costs down. Get creative, and you will find that you don’t spend as much money on your BBQs.

5. Buy Your Grill Items Off Season

Finally, if you want to save more money over time, you should buy your grill items in the off season, and on sale. Get a grill in the fall, and you can get it for much less. The same is true of cooking utensils, as well as outdoor furniture and other items. You can also get charcoal, propane and other related items on discount if you are vigilant about prices. Pay attention, and you can save more over time, and reduce the per-BBQ cost of your outdoor entertaining.

Article Source: http://moneyning.com/money-tips/5-tips-for-holding-a-frugal-barbecue/

Back to School Shopping: 10 Ways to Save Your Money

back-to-school1First Financial gathers some easy tips and advice in order for you to save on back to school shopping:

  1. Coupons and Coupon Codes: It’s all about the bargains. When shopping online, don’t forget about coupon codes that you can apply to your cart. Also, remember to look through newspapers and your junk mail to cut out coupons for various items that might be on your checklist.
  2. Get Ahead: Most clearance items go on sale after the season has ended. Take advantage of this opportunity and buy items for the fall and winter even though it may be spring or summer, you’ll be able to save money and use it for the following year.
  3. Use Your uChoose Rewards: All First Financial VISA® Platinum Cash Plus Credit Cardholders are eligible to earn uChoose Rewards on all purchases, which can be redeemable for merchandise, gift cards, and more. For more information login to your uChoose Rewards Account.
  4. Outlet Shopping: Many people forget that large retailers have factory outlet stores. Outlets are great for special deals and markdowns on your favorite brands without paying full-retail price.
  5. Leave the Kids at Home: Parents, you know all about the guilt-trip. Don’t be pressured to buy certain things and wind up spending more money than you have to!
  6. Use Your Smartphone: They’re called “smart” for a reason. For example, the Google Shopper app enables you to scan an item’s barcode and then it shows the prices for the same product at different stores in your area so you can get the best bargain.
  7. Utilize Social Media: While you’re poking around on Facebook and Twitter, make sure you “like” or follow your favorite stores and brands. They often post different deals, coupons, and promotions that are going on.
  8. Sharing is Caring: Buy in bulk and split it amongst the kids, or save it for later on in the school year.
  9. Don’t Forget About eBay and Amazon: Use these sites to your advantage; your kids don’t need the latest and newest technology, they need something that works and is fitting for them. Frequently, these sites will sell items new or barely used for a great price.
  10.  Maybe Hand-Me-Downs are Good: Do a little “summer cleaning” and go through your kids’ closets and see what could be passed on to another sibling.

If you need additional assistance paying for back to school supplies and clothing, First Financial offers one of the lowest credit card rates around. To learn more about First Financial’s VISA® Platinum Cash Plus Card and apply today, please visit our credit card page.

10 Ways to Pamper Yourself on a Budget

In this guest post, Mary Harris – an Ocean County resident, co-owner of local natural products business Heaven & Earth LLC, professor at Monmouth University, and holistic nutrition student at the Institute for Integrative Nutrition, provides you with ways to pamper yourself on a budget.

She writes:
Believe it or not, money does not have to be an item of concern when it comes to pampering yourself. In fact, finding new ways to treat yourself right can be fun and rewarding and help reduce stress. You can even invite family and friends to take part in some of the pampering, if you want to. Here are my top ten tips for pampering yourself on a budget, with a healthy twist!

1. Enjoy a cup of hot tea– Tea is a worldly drink that, in my opinion, has the power to soothe the soul. Teas can be delicious and healthy to boot. Choose your flavor and style of tea (naturally decaffeinated, organic, loose, bagged, black, red, green), brew it in a tea kettle, pour it in a pretty cup, and take your time sipping your worries away.

Bath%20Fizzy-resized-6002. Take a relaxing bath – The power of water is incredible, and baths are just one example. Light a couple of candles in a safe place and draw up a hot bath with your favorite natural soap or bath fizzy close at hand. (Pictured left, Heaven & Earth, LLC’s Lemon Rose Blossom Bath Fizzy).

3. Read a good book – A visit to the library or paperbackswap.com might be in order, because reading can be truly therapeutic and virtually cost-free if planned right. Find a quiet place to enjoy some time each day to read, even if it is just fifteen minutes at a time. Escape into Book Land.

4. Make a homemade facial mask – Healthy facial masks are inexpensive and easy to whip up. One of my favorite recipes for dry skin during the cold winter months is ½ an avocado mixed with ¼ cup of local, raw honey. Mash the ingredients together, mixing well, and apply to clean skin for ten-fifteen minutes and then rinse thoroughly. It is important to try to buy local, raw honey from a sustainable honeybee keeper since it is healthier for us and for our friends the honeybees.

5. Go on an antiquing adventure with a friend or two – Going antiquing or shopping at yard sales, flea markets, and second-hand shops can produce unique and economical décor and items for you and your space; not to mention, you get to meet interesting people who might be able to share a part of history with you. music-resized-600

6. Create the perfect playlist – Make yourself a relaxing, inspirational, and/or fun playlist just for you. Sites like Project Playlist and Spotify are great resources for music and creating customized playlists to enjoy legally and for free.

7. Buy yourself a journal – Find a journal that is a reflection of you. Keep it by your bed and free write happy thoughts, goals, beautiful quotes, and hopes and dreams in the morning when you wake up – and at night before you go to sleep, or whenever you feel motivated to do so.

8. Take pleasure in fruit and chocolate – Buy yourself some organic berries and dark chocolate, prepare them on a fancy plate with a sprig of fresh mint or chocolate drizzle for garnish. Take your time and savor every bite in a comforting space.

9. Sit in silence and just be – Sit or lay down in a comfortable space in silence to just exist, ponder, and focus on breathing and relaxing. Most people do not take time to themselves to try this exercise, but it is well worth it. Some people meditate during quiet moments like this as well.

10. Watch a movie marathon in your pajamas – Whether you rent movies from the library for free or have a Netflix subscription, a movie marathon in your coziest pajamas does not require much money or effort. This is a wonderful way to spend a Saturday afternoon or a day off from work.

Mary%20-resized-600Mary Harris is the Co-Owner of Heaven & Earth, LLC, a small company that creates natural homemade soaps and other natural products for mind, body and spirit. Mary is also a college professor at Monmouth University and is currently studying holistic nutrition and wellness. Mary resides in Bayville with her husband and three dogs. For more tips on living simply, sustainably, and healthfully, visit her blog.

 

Budgeting Seminar Summary – How to Organize Your Finances

bankinginoneplace-resized-600We recently held a seminar on How to Organize Your Finances in 4 Easy Steps. Attendees were taught about the importance of creating and sticking to a budget or spending plan that you decide upon to track what you earn, spend, and save.

The seminar began with educating attendees about the “grandparent method” of budgeting – in the past our grandparents typically budgeted by placing cash in various envelopes labeled by bill name.  For example, when money was needed for groceries, it was taken from the grocery envelope.  Today it’s a little bit different— we live in a typically cashless society where plastic cards and automatic or online bill payments are virtually the norm.  However, attendees were shown how the grandparent budgeting method can easily be applied to today’s digital world.

The seminar emphasized the significance of creating a plan of what you think you’ll spend for the month at the beginning of the month – and tracking it on your computer in an Excel spreadsheet, or by using a budgeting program such as Microsoft Money, online banking, or an app on your mobile phone.

Regardless of the method you choose to create your budget, you should enter your recurring or fixed monthly expenses first, including: mortgage/rent; monthly utilities; and any debts such as auto loans, student loans, or credit card.  Next, enter your flexible expenses, or things you have control over – such as: entertainment, food, clothing, and household expenses.  Seminar attendees were given a budgeting worksheet to use, and shown how to manage their expenses and input their income regardless of whether they were planning for just themselves, a couple, or a family budget.

While budgeting might be “scary” for some, don’t be afraid to have fun with your budget! Make a game of saving your money, and paying your bills.  People are afraid of money – especially of not having it.  By creating an organized plan for your lifestyle, you won’t ever need to be afraid of not having money again.

Stay tuned for upcoming monthly consumer seminars! Enter your email in the subscribe box — located at the top right of this blog — to subscribe to seminar previews and more from First Scoop.

5 Ways to Save Money on Gas This Summer

Tips from Allen Gottfried, Director of Online Marketing at MB Motorsports

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1.   Keep your car properly maintained — (Correct Tire Pressure and a Clean Air Filter are great places to start).

2.   Keep excess weight out of the car. Extra weight such as a full trunk with clothes in it or anything that makes the car heavier will decrease your mileage. (Looks like it’s time to clear out those beach chairs and that gym bag!)

3.  Ease up on the acceleration. Sure you might beat the guy in the other lane off the line but quick acceleration will drastically decrease mileage – the same goes when you are passing someone.

4.  Opening a window vs. putting the air conditioner on will cost you about the same. When you open the windows, the air goes in the car which creates drag which will ultimately reduce mileage. If even a percent difference, the difference in cost between putting the air conditioner on vs. opening a window is really next to nothing. You might as well be comfortable with the air conditioner on!

5.  For pick-up truck drivers: To get better gas mileage, despite what you believe, don’t put the gate down – keep it up. Having the gate up creates better air flow as seen on an episode of Myth Busters.

MB Motorsports, a preferred car dealer of First Financial, offers quality used vehicles and service.  With over combined 75 years in business, their staff knows cars. MB Motorsports is located at 1715 Asbury Avenue, Asbury Park, NJ 07712. For more information on their services, visit www.mbmotorsports.com.