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Potluck Parties

Ms. Nickel featurette

Is your tight budget putting a crimp in your entertaining? Don’t sit at home alone and bored. Make a list of a few friends who might enjoy some frugal fun and invite them to one of our Potluck Parties. Here are a few of our ideas for parties that will get some friends together while keeping the expenses in check. If you know how to use evite.com, it will make inviting and tracking guests a snap.

  1. ABC Potluck – To throw this party, ask each invited guest to bring a dish that starts with the same letter of their last name. If this party is done on evite.com, have people RSVP with what they’re bringing and the host can balance out the meal with what’s missing.

  2. Bring Your Own Meat Barbecue – The host provides appetizers, salad and a side dish and each invitee brings their barbecue meat of choice (or veggie burgers) and a bottle of wine or other drink. Paper plates (recyclable or compost able) are certainly appropriate for this party.

  3. Neighborhood Progressives – This party stays in one neighborhood and the attendees move around on foot from house to house. If you have four families participating, the first will do appetizers and drinks, the second will do a salad, the third will do the entrée and the last will do dessert. If you only have three families participating, the first family can do an appetizer and salad. This is a good opportunity to get to know your neighbors!

Have fun!
Founders, Julie Arnheim and Darcy Ratner

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Big-Time Money Wasters

Ms. Nickel featurette

Most of us have been in the situation in the past 10 years where we were spending more than we saved. I, for one, used to thrive on Retail Therapy and try to keep up with the Joneses when it came to cars, gadgets, clothes and all sorts of stuff. But this type of spending is bad for your financial health and can make your savings account feel like a bucket with a hole in it. If you are actively trying to cut back, see if you are victim to any of these “big-time money wasters”.

  1. Fast food/restaurant lunches – We all know how much money this wastes but it is a hard habit to break, especially for those of us who work outside of the home. Bringing your lunch just takes a little forethought and planning. Depending on your current lunch habits, it can save you as much as $200/month.

  2. Designer whatever – I LOVE name brands but you can look good for much less. These days the fashion magazines have oodles of articles on how to “get this look” for less. You can also find great styles at discount and consignment stores at a fraction of the price. Savings: $200-1000/month.

  3. Kid’s video games and collectibles – My son got a Wii from his grandpa and boy do those games cost a bundle. See if you can start a “game trade” with your kid’s friends so they can have new games but not break the bank. Recently, I also had to break my 8-year old of his Pokemon card habit, which cost me $5-10 every time I went to Target. Savings: $75-100/month.

  4. Grocery store checkout aisle magazines – I am a decorating magazine addict and I used to get them at the grocery store but you can save TONS on yearly subscriptions to your favorites. I paid $18 for 24 months of Country Home when the grocery store price was $4.95 for one magazine! Savings: $60-120/year.

  5. Luxury automobiles and “status” cars – You can waste $10-30,000 buying for status vs. transportation. I won’t “out” myself by admitting they type of German car I used to drive but I have a nice little compact wagon that gets great gas mileage and I saved at least $15,000 on the sticker price.

Happy Savings!
Julie Arnheim and Darcy Ratner, Founders, rubbingnickels.com

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Summer is Here!

Ms. Nickel featurette

Are you ready for summer? At rubbingnickels.com, we definitely are ready for a break! There may be a few more days of classes and weeks of work ahead, but for most of us, the pace of our lives is going to slow down. Hallelujah! And since we’re looking to have fun with a tighter budget in mind, Ms. Nickel is here to help you make the most of your summer!

In our household, the goal is to get outside as much as possible during the summer months and explore places we may not have time to visit during the rest of the year. Rubbingnickels.com will be featuring economical outings all summer long in the Entertainment section of Frugal Family. We will feature Party ideas, how to find free outdoor music concerts, and camping lists to make camping trips a success for experienced and first-time campers. As always, there will be plenty of meal planning suggestions along the way.

If you are worried about making some extra cash, we will provide you with tips for holding a successful yard sale or swapping goods and services with friends or neighbors. We will continue to offer Eco-thrifty tips that will save you money. New this week is an article on Analyzing Your Household Energy Usage. There are tools and suggestions to reduce your gas and electric bill which are simple to implement and give powerful results.

As always, we will be working hard to bring you Good Deals and some fun, new Sweepstakes. At no cost to enter, these sweepstakes enable us to do a bit of dreaming. Thanks to our resident gardener, Debbie Togliatti, who will help us reach our goal of enjoying our summer vegetable garden. And last, but not least, we will be reading all summer long. If you are not meeting with your Book Club during these months, collect the books you have read during the past year, post them on rubbingnickels.com’s Barter Corner to swap, and be ready to start reading some wonderful new books in the Fall.

Happy summer! We look forward to hearing your comments and suggestions for more summer fun on a shoestring.

Founders, Julie Arnheim and Darcy Ratner

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Pitch in, Families!

Ms. Nickel featurette

On Mother’s Day, my family went out of their way to help me around the house. My husband had my coffee ready when I woke up, my kids picked up their rooms and my older son walked the dog. I loved it, but it reminded me of all the things we do on a daily basis to keep the family happy and healthy. It is time that this tradition of assisting Mom and Dad shouldn’t be relegated only to a certain holiday, but instead should become a daily occurrence.

Getting help is even more important these days, when many of us are trying to work again or cutting back on the help we get, such as babysitters and housecleaners. We could all use a little more help around the house from our families. Rubbingnickels.com has articles to help you ask for what you need.

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Gourmet Meals for Under $25


The recipes in this section have been written for those of you who are used to dining out but have decided to cut back on your food budget. They include recipes for an entire gourmet meal, and assume that you know your way around the kitchen, have the cookware and gadgets you need and are willing to spend some extra time cooking these dinners. Our guest writers have developed these recipes with wonderfully fresh and nutritious ingredients and there is a price list at the end of the article. Bon Apatite!

Meals #1 and 2: One shopping trip… two gourmet meals!

Do you feel like you buy perishable ingredients for a nice meal, only to let the unused parts go to waste? Shop once for two meals and make your ‘gourmet dollars’ stretch. Try these recipes to make an impression on your guests.

Gourmet Meal #1

  • Citrus-Herb Baked Chicken
  • Farro with Prosciutto and Gorgonzola
  • Green Beans with Slivered Almonds

photo-chickenroasted

Citrus-Herb Baked Chicken

One whole chicken
One container of herbs for poultry
2 Tbs. olive oil
Freshly ground salt and pepper
1 orange, cut in wedges
1 lemon, cut in wedges
½ head garlic
2 white onions
2 Tbs. all-purpose flour
1 ½ cups chicken broth
¼ cup dry sherry

Preheat oven to 400°F.

Rinse chicken with cool water, inside and out, and pat dry with paper towels. Divide the herbs in half. Finely chop one half and keep the other half whole. Rub the outside of the chicken with olive oil, season with salt and pepper and sprinkle the finely chopped herbs on top of the bird. You can stuff some of the finely chopped herbs under the skin for extra flavor. Place some of the orange and lemon wedges under the skin and stuff the cavity with the remaining lemon, orange, garlic, one onion, and the herbs. Place the chicken, breast side up in a roasting pan. Put the remaining onion into the pan, and roast for about 1 hour, or until the chicken has an internal temperature of 165°F in the thickest part of the thigh. Remove the chicken to a platter and let stand for 10 minutes so the juices settle back into the meat before carving.

To make the gravy, skim off as much fat as possible, leaving the drippings. Place the roasting pan on top of the stove over medium heat and stir the solid pieces into the drippings. Remove about ½ cup of the drippings, add flour and stir until well blended. Carefully blend back into the drippings to thicken into gravy. Pour in the chicken broth in stages; continue to stir to dissolve the flour evenly and prevent lumps. Stir in the sherry and season with salt and pepper.

Squeeze the oranges and lemons from the cavity over the meat, and then serve.

Farro with Gorgonzola and Prosciutto

Impress your guests by serving a deliciously uncommon grain. Farro is a whole grain with tremendous healthful properties. It is commonly used in Italy and is growing in popularity in other parts of the world. Farro is rich in protein, B-vitamins and fiber, so it makes a good grain choice. You can buy farro at your local health food or gourmet grocery store or through Bob’s Red Mill. A tube will cost about $5.00, but you get two meals out of it and you’ll find it very satisfying. If you can’t find farro, you can substitute whole spelt grain.

Approx. 3 cups chicken broth
1 ½ tsp. olive oil
Red onion, coarsely chopped
1 cup farro
1.5 oz gorgonzola cheese, crumbed
1.5 – 2 oz. prosciutto, finely chopped
A handful of minced chives

In a heavy, medium sized pot, warm oil over medium heat. Add leek and cook 4 minutes or until tender. Add farro and stir to coat.

Add broth, ½ cup at a time until each portion is absorbed and farro is tender. Farro should be a bit chewy when done.

Remove skillet from heat. Stir in half the cheese until melted and creamy; season to taste with salt and freshly ground pepper.

Meanwhile, in a medium nonstick skillet over medium-low heat, cook and stir prosciutto for 6 minutes; or until crispy. Before serving, sprinkle farro with remaining gorgonzola, prosciutto and chives.

Serve with stir fried green beans sprinkled with slivered almonds. Watch that you don’t overcook your green beans! If you serve them al dente, it helps preserve the nutrients and improves the presentation.

Gourmet Meal #2

  • Salmon Loaf with Almond Caper Sauce
  • Prosciutto Wrapped Asparagus Quads
  • Rice Blend
  • Spring Mix Salad with Apple Chunks and Gorgonzola Cheese

Feel your wallet expand when you use left over ingredients to make Salmon Loaf with Almond Caper Sauce. Canned Salmon is very nutritious and a fraction of the cost of cuts of whole salmon. Sockeye salmon is usually used for canning, a variety which tends to be lower in mercury. Canned salmon is higher in calcium because it usually contains small particles of bone. This recipe is so easy; you can make it on a week night! Mix the ingredients the night before and pop the loaf in the oven when you get home. While the loaf is in the oven, you can prepare the asparagus, rice and salad easily.

Salmon Loaf with Almond Caper Sauce

1 16-oz. can salmon, drained
½ cup dry bread crumbs
½ cup milk
2 eggs
1/3 cup chopped onion
¼ cup chopped celery
2 Tbs chopped fresh parsley
½ tsp chopped fresh dill
2 tsp lemon juice
¼ tsp salt

Almond Caper Sauce:

2 Tbs. butter
2 Tbs. all-purpose flour
1 cup milk
¼ cup whipped salad dressing (mayonnaise)
2 Tbs capers, drained
3 Tbs sliced almonds
¼ tsp salt
Lemon wedges and dill sprigs to garnish

For salmon loaf:
Combine salmon, bread crumbs, milk, eggs, onion, celery, parsley, dill, lemon juice and salt in a bowl. Mix well. Pack lightly in to a greased 8 ½ x 4 ½ x 2 inch loaf pan and bake in a 400°F oven for 30 minutes or until lightly browned. Remove from oven and let stand 10 minutes before cutting.

Meanwhile, prepare Almond Caper Sauce:
Melt butter in a medium-sized heavy saucepan over low heat. Stir in flour and cook 1 minute, stirring constantly. Add milk and whisk until blended. Raise heat to medium and cook, stirring constantly, until thickened and bubbly. Simmer 1 minute, stirring frequently and reduce heat to low. Whisk in whipped salad dressing, capers and reduce heat to a simmer. Remove from heat and add almonds and salt.

Loosen salmon loaf edges from pan and turn out to a warm platter. Garnish with lemon wedges and dill sprigs and serve with sauce.

photo-asparagus

Prosciutto-wrapped Asparagus Quads

Use the left over prosciutto from the farro dish to create a simple, elegant accompaniment to the salmon. Slice a piece of prosciutto in half lengthwise and wrap around four asparagus spears. Bake alongside the salmon loaf, but only for 15 minutes. Can be paired with a rice blend and spring mix salad with apple and left over gorgonzola, also from the farro dish. Cut the apple in chunks, but leave the skin on to retain optimal health benefits.

Bonus meal!

Now that you have left over chicken, take the cooked carcass and make a simple chicken soup. Boil the left over chicken in water until the broth is tasty and the meat is falling off the bone. Don’t forget to use the reserved oranges and herbs to savor those fabulous flavors. When the broth is flavorful take out the carcass and add any vegetables you have in the refrigerator. You can use carrots, onion, peas, corn, tomatoes… be creative. Serve with a salad and crusty bread.

Cost (based on a California grocery store):

Item Cost
chicken $5.00
Fresh herbs for poultry $1.99
Orange $0.70
2 Lemons $1.00
Garlic $0.75
4 onions $1.60
3 cans chicken broth $4.77
Dry sherry $1.00
Farro $2.50
Gorgonzola cheese $2.00
Prosciutto $3.29
Green beans $2.99
Slivered almonds $1.40
16 oz canned red salmon $3.49
Bread crumbs $0.99
Celery $1.00
Parsley $0.50
Dill $0.50
Whipped salad dressing or mayo $0.50
Capers $1.00
Asparagus $2.99
Spring mix salad $1.89
Apple $0.50
Rice $1.50

Total Cost (not including staples like milk and flour): $43.35!

Recipe submitted by Donna Soo. Find her online at healthawarenesssite.com.

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Do You Have a Plan?

Ms. Nickel featurette

Welcome to Rubbing Nickels!! You are here because you are concerned about your financial future (or you are related to us :) . We are here because while we were sleeping, literally, our nest eggs have been diminished, and our future income stream has become uncertain. This can be very scary. But this can also be an opportunity to simplify and slow down our hectic lives; to get back to basics; to be creative; and to prioritize our values.

It all starts with a plan. Plans help us achieve our personal and financial goals. Without plans, we often make impulsive decisions that can cause long-term financial damage. Rubbing Nickels is here to help you plan. We’ll post articles on money management, the “frugal family”, becoming “eco-thrifty” and how to get “good deals” every day.

Don’t miss our Meal Plan under the Frugal Family. This will take the stress out of family dinners and help you avoid depending on the more expensive and, most likely, less healthy take-out option. We offer many other ideas for saving money around the house so that you can start saving for that most pressing or desired item: a vacation, tuition, car repairs, or new furniture. Fill out our Budget Worksheet and Financial Goals Worksheet and you will be on your way towards achieving your goals!

Our content will change weekly so make sure to check back with us often to get our latest tips. Signing up for our newsletter will insure that you are kept up-to-date on new money saving and money generating ideas.

Please let us know what you think of Rubbing Nickels. Article suggestions are always welcome.

Darcy Ratner & Julie Arnheim, Founders, rubbingnickels.com

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