Friday, July 27, 2012

From Scratch vs. Pre-Made

While recently shopping, I overheard another shopper say "Oh! I couldn't make this Stove Top as cheap as this!"

Yeah. I hate to tell her, but... she absolutely could.

This led me to wonder: Are all boxed or prepared foods a bad buy?

After some number crunching, I came up with some items that usually are cheaper to buy pre-made. (You convenience food junkies - take note!)

  1. Macaroni & Cheese - Yep, that cheap, powdered stuff in the skinny boxes are cheaper than you can possibly make it yourself. The cheese, butter and milk alone to make the sauce will set you back more than the 49 cents or so at Aldis.
  2. Complete Pancake Mix - I don't mean Bisquik or Aunt Jemima. I'm talking the cheapest, store brand  complete pancake mix. (Complete means just add water)  To make pancakes from scratch, you have to add eggs, milk, oil, and for most, baking powder. Let's assume you have the baking powder - you cannot make as many pancakes as the box of complete pancake mix can once you add in the other stuff. You can't do it. Unless you have your own eggs and dairy cows, it isn't going to happen. The complete pancake mix from Save-A-Lot in my area costs me about $2.29, and makes about 60 pancakes. 1 egg, 3/4 c milk and 2 Tbsp. oil added with flour, baking powder, etc, will make somewhere between 6-7 pancakes. Let's assume you have baking powder, flour, and the other ingredients - start adding up those eggs and calculate how much milk you'll need to make 60 pancakes. More than $2.29, isn't it? Yep. 

 I'm sure there are more things that are cheaper to buy than to make yourself, though I can't think of any at this time - these are the two that I can prove with numbers are actually cheaper. I'll keep Badgering around to see what else might be a good buy!

Monday, July 16, 2012

Badger Scum Removal

Badgers sometimes can be messy little creatures. We don't mean to be, but it happens.

Today I'll be canning strawberry jam, strawberry-blueberry jam and some green beans. This means I'll be making a sticky mess with sugar and fruit all over the kitchen.

The best way to combat what we refer to as *Badger Scum* in this house (Mr. Badger's affectionate term for my little piles of messes I leave when I'm working on something) is a sweet cleaner I learned to make from my good friend over at The Penny Wise. No - I'm not just plugging her blog again. I really LOVE this cleaner - and once you've made the initial investment for the liquid Castile soap, it really is stupidly economical.

Here's the link to her article about it - The Penny Wise Homemade Cleaner

Here's the basic recipe:

1 tsp. Dr. Bronner's liquid Castile Soap
1 tsp. Washing Soda
3 tsp. White Vinegar
2 cups hot water
Spray Bottle.

Put everything in the spray bottle (it will foam up a bit)

Use on everything!

I kicked this recipe up with a few drops of tea tree oil for more antibacterial fighting properties when me and Mr. Badger kept passing a nasty flu bug back and forth - it worked like a charm!

Let me be clear - this cleaner isn't just for counters. It does work well as a de-greaser also. I've also used this basic recipe for mop water, and have been stunned at the results on my kitchen tile.

If you like a fresh smelling house without all the harsh perfumes, this cleaner is for you. You can choose the scent of Castile soap (I like the peppermint and the lavender) or you can get the scent free. The peppermint makes the whole house have a very light, crisp scent. I actually LIKE cleaning with this stuff - no burning eyes or lungs, and I also don't have to worry about using it around my cats. I trust that in general, animals are inherently smarter than humans on some things - this cleaner passes their test. By that, I mean whether I'm spraying it on the counters or mopping the floor, they don't flee the room as they did with my other favorite cleaners. (Previously Clorox Clean Up for the bathrooms and Green Works for the kitchen)

It does NOT smell noxious or take your breath away - yet it gets the job done beautifully. What more could you ask for?

I'm off to start my canning. I have to make another bottle of the cleaner this afternoon to keep in the bathroom - I'll add pics of the ingredients then! (and of the canning debacles that are sure to come!)

Sunday, July 15, 2012

Target Price vs. Sale Price

I've talked a lot about buying things in bulk at my target price, rather than using coupons. In reality, this is known as Badgering the Sales.

This can be confusing, so I will give some examples.

But, before I go any further - let me state: You *could* get some of these sales even more cheaply with coupons, if you take the time to coordinate sales and coupons.

I know that my target price for a staple item such as butter is about $1.75/lb - regardless of the day, week, or month of the year. I know I can get it for that price at Sams Club. I shop accordingly, and buy a couple month's worth of butter at a time when I go. Butter freezes tremendously well. I also save gas by not needing to constantly replenish our supplies.

The price I get at Sams club at any time: (Also the same for salted butter)

This week, Kroger is running their butter for $1.99/lb - on sale:

Needless to say, I don't wait for Land O' Lakes coupons - I buy my butter from Sams year round.

Let's look at another item of Sams club vs. Kroger Sale.

Here's the Sam's Club price on a 48 oz loaf of Philadelphia Cream Cheese. This is my year-round target price of the equivalent of $1.08 per 8oz bar. I can guarantee I'll get this price any day of the week, year-round.

BUT - here's the Kroger sale on Philadelphia cream cheese this week:
Yep - it's cheaper at Kroger - this week, IF you buy ten of their sale items. And, if you have access to coupons, you could, of course, get this more cheaply than 99 cents. However, most of us won't have access to a coupon on Philadelphia cream cheese at the same time a sale is running on the item. It happens, sure. But here's what I've learned from talking to people who work at the grocery store: Most grocery stores are well aware of what coupons will be coming out in upcoming circulars. Food manufacturers let them know so that if they choose to, they can run a sale in conjunction with the coupon.

Most rarely choose to do that anymore (in my area, at least) because of extreme couponers that have taken them to the cleaners. It is also for that reason that the local grocery stores in my area have seriously altered their coupon policies, and reduced the amount of coupons they will take.

It's the same reason manufacturer's coupons are now issued with very short expiration dates, unlike a decade ago when coupons were good for several months: Manuacturers and stores no longer want to take the chance that you will hold on to coupons and combine them with a really good sale - the same good sale they need to run in order to get people who don't use coupons into the store.

This Badger tracks prices, keeps a target price for items, and buys at that target price or below. Once again, I'm NOT advocating against using coupons - quite the opposite, really. If you are organized and diligent, you can grab some amazing prices with coupon use. I'm just showing the way that works for how the Badger household buys and uses items, and how we shop accordingly.

Mr. Badger does NOT prefer frozen Hot Pockets over Mrs. Badger's homemade calzones that she stuffs the freezer with. But, those with kids may find just the opposite is true.

Do what suits you, your family and household budget best.

Badgers and Coupons are like Bleach and Ammonia

Mrs. Badger doesn't use many coupons - not because they aren't worth the time, or that they can't save you a BOAT LOAD of money. For most people, coupons are worth the time, and they do save you boat loads of money.

The reason you won't see Mrs. Badger using many coupons is for one simple fact: They almost never have coupons for what Mrs. Badger uses and buys frequently - and Mrs. Badger ends up buying all kinds of stuff she doesn't really need when she uses coupons. There's a whole lot of "Mrs. Badger don't care! Mrs. Badger sees she doesn't have to pay shit for this premium steak marinade. Who cares if she doesn't need or want it?"  ..... Yeah... Mrs. Badger does that a lot  when she uses coupons. Ahem.

I know I can get many things almost free, if not completely free by using coupons. My good friend over at Penny Wise is a phenomenal couponer. Given enough time, that woman could get you a year's worth of groceries, personal products and everything else you could ever want for virtually free. 

This isn't too far from the truth with Penny Wise!

But, Mrs. Badger isn't quite that organized, nor that diligent with couponing. There are also only two of us in the Money Badger Household, making shopping easier for Mrs. Badger. And, as I said, there aren't many coupons put out for what Mrs. Badger uses: flour, sugar, canning supplies, fresh vegetables, etc.

So, what coupons does Mrs. Badger routinely look for and use?
- Pet supplies (litter, food, treats, etc) There are five cats in the Badger Household. They're fussy little critters, too.
- Non-food items (Mostly seasonal things - back to school/office supplies, special baking goods at the holidays, etc)

And... that's mostly it. I make most of the cleansing agents used in the home, including laundry soap. (We'll cover those soon)

There is nothing wrong with buying convenience foods and pre-packaged items (most of what you will find coupons for in my area) if your family desires them, and you have the time to coupon for them; with diligence you can get most items free or pretty darn close to free.

Mr. and Mrs. Badger have health and dietary needs that dictate we have to be very careful with what we eat - boxed foods are loaded with many things we shouldn't have. Making them from scratch, however, allows us to eat more of what we'd like, yet avoid all the bad stuff we shouldn't have.

This, of course, goes back to one of the basic Badger principles: You either spend time, or money. 
Badgers spends a lot of time in the kitchen - that's her choice.

I will never advocate this is the right way for everyone; but it is the right way for us. Frozen hot pockets are not a viable option for us, but homemade versions of hot pockets with low sodium ingredients are. Therefore, it's worth my time to skip couponing and just make them from scratch. But.. once again - how often do you see coupons for flour, or yeast? Maybe at the holidays, but I've learned that buying flour and yeast in bulk at the lowest possible price yields me far more flour and yeast for less than the price of the coupons put out at the holidays.

By the way - Penny Wise  has a  fantastic homemade hot pocket recipe!

You Know You're Shopping in the Midwest When...

There's no doubt about it - Shopping in the Midwest is very different from most places in the United States.

There's a real emphasis on down-home, homey-feel-good feelings for shoppers.
There's also a real emphasis on many of the lost arts (for lack of a better word) that I have rarely seen women outside the American Midwest practice. Like... canning and preserving food.

I know that many women around the USA do can foods and use other methods of preservation. Most of the women I've talked to around the nation fall into one of two categories:

1) They grew up canning, and never stopped
2) It's a recently learned skill - learned with the *Canvolution* that has swept the nation.

Even with the rise of food preservation across the US, I've noticed that few stores around the nation cater to food preservation. One lady that I talked to while out in San Clemente California said that she "didn't know people still did that sort of thing".  While there's nothing wrong with that view, I want to tip my hat to shopping in the Midwest.

Where else are you likely to find an ENTIRE aisle devoted to canning supplies, like this?

Yes - all those green cases and boxes are Ball canning supplies. With sugar bags conveniently within reach. The other side of the aisle was also all canning supplies. And... so was the NEXT aisle. 

The other way you know you're in the Midwest?

There's a great deal of trust and *help yourself* attitude. Like this at the front of the store: 

That's right. Free popcorn and free coffee while you shop. Notice the pallet of green canning jar cases in the background.  Yes.. you are in the Midwest, my friends, otherwise known as Badger Territory.

Saturday, July 14, 2012

This Little Badger Went to the Market...

A Saturday morning in the Badger's Midwestern hometown means going to the Farmer's Market.

Heavy rain this morning kept many of the normal vendors away, but Mrs. Badger doesn't mind the rain.
In fact, Mrs. Badger likes the rain.

Many people have been very busy telling Mrs. Badger to skip the Farmer's Markets in her area - she can get the food cheaper at the grocery store - And it's true. 

But Mrs. Badger don't care about paying less for vegetables in this one instance. What is important to Mrs. Badger is supporting the local small farmers - most of whom are families with less than 20 acres of farmland.

Take for instance Jericho Run Farms. One family + 15 acres of farmland in Oxford, Ohio = A Way of Life.

I would much rather pay them more per pound on vegetables than some grocery store. I know where the food was grown, I can go see their farm anytime I want and purchase from them, and I can talk to them personally about what methods used to grow their food. I look right in the faces of those who grew it and harvested it.

Badgers are solitary animals, that's true - but we recognize the need for a good, strong, local economy. Helping the local farmers is an important step. I want them to keep their farms running. I do NOT want that farmland sold for more cookie-cutter cardboard housing. (Which, sadly, is exactly what Mr. and Mrs. Badger live in - bought long before they understood the ramifications of their purchase)

There is also something to be said about walking around the old courthouse square, and interacting with the merchants. I'm reminded a little of my time in Europe when every Saturday was a big market day, and the cathedral square was teeming with vendors selling everything from food to curtains.

The old courthouse and some of the vendors in Badger's hometown

So what did Badger buy?
- 6lbs of green beans - $2.00/lb
- Silver Queen White corn - $1.25/4 ears

The green beans were certainly cheaper at the grocery store ($1.28/lb) but I want to can these green beans, so I wanted the freshest possible - and I wanted to know that what I was canning wasn't loaded with pesticides and fertilizers. Call me a nasty, political badger, but I also wanted to support an American farm-family - not agriculture using illegal immigrant labor.

Not everything a Badger does will be based solely on money; sometimes it's based on doing what the Badger feels is right. And the Badger feels supporting local families making a living as they hold on to their farms is the right thing to do.

Thursday, July 12, 2012

Strawberry Heaven!

With strawberries running $3.98 for 3lbs at Main Street Market, it's time to pull out the canner!

If you haven't tried canning before - don't be intimidated. Women have been canning for hundreds of years quite safely, and they didn't have the advantages of a modern kitchen, precise methods, and the USDA looking out for them.

If you are afraid of canning because you've heard a horror story, let me ask you: Do you not drive because you've heard about people dying in car accidents? What about using electrical appliances in your bathroom? Do you still take showers and step out of the shower all wet?

I could go on. You can either be a scaredy cat all your life, or you can Badger-Up, and go get what you want. In this case, that would be delicious good home-canned with none of the chemicals and preservatives you find in store items.

Take a gander at the ingredients on the back of this jar of Smuckers Raspberry Preserves:  (I didn't have any strawberry preserves from Smuckers on hand to compare - this was left over from making a Linzer Torte, and I had no raspberry preserves left!)

 Yep. Lots of Corn Syrup in there. You won't have that when you can at home.

Now... here's Mrs. Badger's Strawberry Jam:

And... here's Mrs. Badger's list of ingredients:
     8 cups hulled Strawberries
     6 cups Sugar
     1 tsp. Lemon Juice

Yep.  Not a drop of corn syrup or added pectin anywhere.

To can strawberry Jam
  • Combine all ingredients in a large, heavy stainless steel pot. (Do not use aluminum, teflon, etc) 
  • Bring slowly to a boil, making sure all sugar is dissolved. 
  • Cook rapidly until thick (about 30 minutes - do spoon gel test)
  • Skim off as much foam as possible. 
  • Pour into hot jars, leaving 1/2 inch headspace. 
  • Clean rims
  • Seal and process in hot water bath for 10 minutes
How do I know the home-canned jam recipe is better for me than the store bought stuff?
Easy - I'm a diabetic. And, while sugar isn't good for me, in moderation it doesn't wreck my blood sugar. (Carbs are harder on me than sugar. Don't know why - it just is!)

Let me have a Tbsp of the store bought stuff spread on a sandwich, and my sugars skyrocket.
That doesn't happen with the home canned jam.

So... you tell me - which do you think the body processes better?

Wednesday, July 11, 2012

Badgers Like Chicken!

I know what you're thinking. Yeah, I do.
You're thinking: "WHOAH, BADGER! That's A LOT of Chicken!"

Annnd... you'd be right. That IS a whole lotta chicken. But Badger likes chicken. Better than cobra.

Especially when the chicken is at the Badger's target price of $1.99/lb for boneless, skinless chicken breast, as it was this last week at Kroger's.

So what is the Money Badger going to do with all that chicken?
Let's see....
  • Marinated Grilled Chicken
  • Chicken Shishkebobs
  • Chicken Parmigiana
  • Chicken Alfredo with Broccoli
  • Chicken Pot Pie
  • Creamy Chicken Pockets
  • Grilled Chicken Strips (for salads and lunches)
  • Italian Crock Pot Chicken
  • Chicken Enchiladas
  • Cordon Bleu Casserole

.......Just to name a few.

This amount of chicken might seem insane to some people, but it is how this Badger rolls! 

As soon as I get home from the store, the chicken is put into portion sizes and vacuum-sealed to be frozen. If you don't have a vacuum-sealer, use ziploc freezer bags. This way, you only pull out the pieces you need for whatever you're making that day/week. 

Now that I've bought this amount of chicken, I will begin inserting it into the menu plans over the next couple months. This means that next month I won't have to buy any chicken, which in turn means I have more liquid funds to buy something else that is at my target price. 

And what if nothing is at my target price? The Money Badger snaps her wallet shut,  and saves the money for when things do hit her target price. (and they almost always do!) The other point is that I've bought enough of many different items that I shouldn't be forced to buy anything because I've run out.

That is how we Money Badgers stick it to the man. The Grocery Man, that is! HA!

Poor Man's Feast

Growing up, it seemed as if my steelworker-father was always laid off from work, on strike, or off due to injury. I won't hand my mother many kudos, but I will say she could make a penny scream keeping us all well-fed.

This was a favorite standby in our house, and was known as Poor Man's Feast. It's VERY filling!

  • 6-8 good-sized Idaho Potatoes
  • 1lb. smoked sausage
  • Misc cheeses
  • Crisco
  • Salt and Pepper
Peel potatoes, and soak in cold water.
Drain after 20 minutes
Put in enough Crisco to cover bottom of pan when melted.
Fry potatoes, season to taste with salt and pepper, turning periodically until potatoes are almost completely cooked.

Here's what they look like as they begin frying:
Slice smoked sausage - add to potatoes when potatoes are ALMOST done. (see Pic)
Continue cooking until both sausage and potatoes are thoroughly cooked.
Add any cheese you have right before serving. (optional)
 Here's my finished dish using smoked sausage:
This is the basic recipe - I have modified this to fit whatever I have on hand.

No smoked sausage? Hot dogs or Spam will work.
No meat at all? Then I'll just add a lot of onions and more cheese.
No Cheese? We'll just have fried potatoes and meat.

Good Morning, Badger!

That's right. Badgers LOVE breakfast.

What this Badger hates is all the fuss and rush of the morning while I'm still bleary-eyed from sleep AND the outrageous prices of breakfast meats today.

Doing it Badger-Style, I've found my own way of battling the whole breakfast issue by taking many of my cues from OAMC. (Once A Month Cooking) I don't necessarily cook up an entire month's worth of breakfast at a time, but I generally plan for it when something is on sale.

Here's one of the household favorites. Cost breakdown is below instructions.

Badger's Breakfast Bagels (Mr. Badger's favorite
  • Mini Plain Bagels
  • 12 eggs
  • Bacon or sausage (whichever is on sale. When none is on sale, we skip the meat)
  • Cheese
  • Butter
Finish cutting your bagels into 2 halves.
Butter each half. (this keeps the dry bagel from stealing moisture from your meat, cheese and egg)
Make your eggs*** (see note)
Fry your meat - drain well. If using bacon, I break the bacon strips in half for the sandwiches.

When all items are cooled, assemble your bagel, placing the egg, the cheese, then the meat. That order is preferable, as the cheese helps to hold the items together when it's reheated. Put bagel top on.

Voila! Finished Bagels!
Wrap bagels first in Waxed Paper

Then wrap in foil and freeze

To reheat: Frozen bagel - 40 seconds in microwave.  Defrosted bagel - 20-25 seconds in microwave.
Times may vary.

***Note on eggs: Crack the eggs and whisk them lightly as you would to make scramble eggs. There is more than one way to make these - just use what suits you best.
Method 1: Pour equal amounts into 12 greased jumbo muffin tins - bake.
Method 2: Pour into round ramekin cups and microwave until done.
Method 3: Pour egg mixture into a well greased 9x13 baking dish - bake. Cut squares of eggs with pizza cutter when done.
Method 4: Pour half the mixture into a large skillet - fry untouched as if it were an omelette. Slide out of pan onto cutting board, cut with round biscuit cutter. Repeat with second half of mixture.
Method 5: Your way - something easier than I have seen! (If you have another way, PLEASE let me know!)

I generally use Method 4 - although I only get about five egg rounds out of my size of skillet. I adjust accordingly for the egg batter I put in the skillet each time. I have used the left over egg bits from cutting the egg rounds for other bagels to be eaten immediately. I just pile them on and nuke them so the melted cheese holds all the bits together.

Mr. Badger takes one each day to work for his first break. I make up a batch every Sunday, and they are GONE by Friday, with only two of us in the house!

Cost Breakdown: 
 - eggs - .99 cents at Aldis for a dozen
 - bacon - $1.99/lb for John Morrell bacon at Kroger last week. I used a half pound, so... $1.00
 - 12 slices cheese. I buy 5lb. block, 160 slices of American Cheese from Sam's Club for $9.45. that comes out to 6 cents per slice of cheese.
 - 12 bagels, Kroger brand - $1.49

SO... the whole shebang cost me $4.20, or about 35cents per bagel. That is breakfast for two people for six days. Skip the meat and have just cheese and egg bagels (pretty good, really!) and you can cut a lot off that price. For 30 minutes of my time on a Sunday afternoon, we have breakfast all week!

Dinner With The Badger

I like to plan my meals ahead - first, it makes it easier to do my shopping, and secondly it helps me to have an idea of what (if anything) I need to do the night before, such as thaw out meat, start a marinade, etc.

Today is Wednesday, so I'll post what we're eating tonight and the rest of the week, and I'll post next week's menu. At first, it will seem as I've spent a great deal of money on these dinners, but in fact, I haven't. I buy in bulk when things are on sale, and place them into the dinner rotation. This way, I never buy for a week's meals at a time, nor do I decide what to eat and then buy those ingredients. Deciding to have Swiss Steak and buying a round steak at full price of $4.99/lb will eat your grocery budget up fast.

Seeing a thin round roast in the marked-down bin for $1.99/lb is when I decide to make a variation of Swiss Steak, called Swiss Steak stew out of HALF the roast. The other half is thrown in the crock pot to cook and made into French Dip sandwiches. I might add that both of those meals almost always have leftovers - enough for another entire meal.

How a Badger eats for a week:
Tonight: Leftover Schnitzel and spatzle. (German meal - schnitzel is made from boneless pork loin that I purchased for $1.79/lb at Memorial Day. That $9.00 pork loin has fed us three times, with enough left in the freezer for at least two more meals.)

Thursday: Buffet night. (Whatever leftovers are in the fridge, make sandwiches, etc. This is garbage night, so time to clean out the fridge!)

Friday: Homemade pepperoni pizza

Saturday: Marinated grilled chicken shish-kebobs, Twice baked, stuffed potatoes, steamed green beans - BACK UP PLAN IF RAINING and can't grill: Creamy Chicken Packets, Cream corn, buttered egg noodles


Sunday: --- no dinner --- (Gone all day to a Germania Member Outing, dinner is provided)

Monday: Swiss Steak Stew, Mashed Potatoes, French rolls

Tuesday: Half Roast - Make French Dip Sandwiches with Au Jus, French Rolls and Homemade french fries

Wednesday: Chicken Broccoli Alfredo, Garlic rolls

Thursday: Buffet night. (Whatever leftovers are in the fridge, make sandwiches, etc. This is garbage night, so time to clean out the fridge!)

Friday - Crockpot Italian Chicken, egg noodles, green beans

Saturday: Salad, Spaghetti, Garlic Bread

Things I make myself:
Pizza Dough
French Rolls (using Artisan Breads in 5 Minutes a Day Method)
French Fries (Sometimes cut fresh, sometimes half-fried and frozen)
Spaghetti Sauce (made in bulk and frozen in portions)
Italian Bread to make Garlic Bread (using Artisan Breads in 5 Minutes a Day Method)

Things Bought in bulk on sale:

Chicken Breast - $1.99/lb
Round Roast - $1.79/lb (marked down bin)
Mozzarella - 5lbs/$10.29 at Sam's Club (this lasts MONTHS - freeze to save)
Pizza Sauce - $3.29 Industrial Sized can from Sam's Club - (portioned and frozen to save)
Egg Noodles - 5lb bag, $3.99 at Sam's club
Frozen Broccoli - 2lbs, $1.99 at Kroger

From those purchases listed above, combined with what I had at home, I built this meal plan. The meal plan itself actually stretches throughout most of July, but I'll add that as we go along - it's overwhelming otherwise! 

Badgers are pretty cool little beasts, aren't they?

Well, that is, unless one is pissed off at you. Then they aren't so cool. They're pretty terrifying, actually.

There's a lot you can learn from a badger - especially in this lousy economy.

The Badger Principles
  • Be tenacious. Decide what you want, then go after it. 
  • Protect what is yours. 
  • Have a plan. Stick to it. 
  • Don't be afraid of hard work and sacrifice.
  • Make the most of the opportunities given to you. 
How does that apply to saving money?

  • We decided to take control of our finances - and we've been pursuing it hot and heavy.
  • Mr. Badger works very hard for the money he makes - It's OURS, and we want to protect it!
  • Budgeting sucks, and while we've made advancements, the war isn't over yet. But we're sticking to it.
  • Whenever you talk about money and household things, you have to make a choice: You either spend time or money. We choose to spend time on doing our own projects as much as possible. That means we don't spend money. This is especially true in the kitchen. We can buy bread for $2.00 a loaf, or I can make it for about 49 cents a loaf - including the electricity to bake it. Time.. or money... Take your pick.
  • We never pass up free stuff or opportunities to learn new skills. I think we've used most of it at one time or another - the stuff and the skills.
In the end, being a Money Badger means going after every penny, watching it, protecting it, and deciding if what you're going to trade it for is worth the time spent to earn that penny.

Think of it this way: If you make $15.00 an hour, is it really worth three hours of work out of your work week to buy some popcorn and see a movie on a Saturday night that might last two hours? Is it? (And yes, I'm told movie tickets are 15.00 a piece now, and popcorn and drinks isn't much better)

I always think of things in terms of how long it took to earn that money. If I am not willing to work that many hours to pay for something, it's a deal breaker. It's all about value and perspective - and there is no right or wrong; only what works for you, and what doesn't. This blog will be about what works for me and Mr. Badger.