2/3 cup Carnation milk

1 egg

1 1/2 lbs. ground beef

1/2 cup fine cracker crumbs (8 – 10 crackers)

1 1/2 tsp. salt

1/4 tsp. pepper

1 tsp. dry mustard

1/3 cup chopped onion


3 tbsp. lightly packed brown sugar

1/4 cup ketchup

1 tsp. dry mustard

1/4 tsp. nutmeg



Mill all loaf ingredients together and put into a loaf pan.  Mix topping ingredients and

pour over the top.


Bake in 350 degree oven for 1 hour.  Remove from oven and let it stand in the pan for

10 minutes.  Place on a platter and serve.

Servings:  4


Filed under: Easy Recipes at Home


1 1/3 cups of all purpose flour (325 ml)

2 tsp. baking powder (10ml)

A pinch of salt

1 beaten egg

3/4 cup milk (175 ml)

1 1/2 cups fresh corn kernels (375 ml)

2 green onions, diced

Canola oil or any other oil for frying


In a large mixing bowl, put all of the dry ingredients and mix well.  In a small bowl, beat the egg until it is frothy.

Next, add the egg and the milk to the flour mixture.  Stir gently.  A few small lumps are alright.

Next, incorporate the corn and the onions in the the mixture and mix well.


In a large pot, heat about 4 inches of oil.  Next drop tablespoons of the batter into the hot oil but don’t overcrowd.

When the fritters are golden brown, turn them over and cook until the other side is golden brown.  Drain them on paper towels.

Makes about 24 fritters.

Filed under: Cheap Meal Ideas


1 1/4 cups (300 ml) sugar, divided

9 egg yolks

1 litre (4 cups) heavy cream

3/4 cup (175 ml) malted milk powder

Pinch of Salt

1 tbs (15 ml) vanilla extract


In a large bowl, whisk  half of the sugar with the egg yolks and set aside.  Next, put a large saucepan over medium heat.  Combine the cream, malted milk powder, salt and remaining sugar and add to the saucepan and bring it to a simmer until it is hot.

Slowly pour the cream mixture into the bowl with the egg mixture while whisking the eggs.  Stir in the vanilla.

Refrigerate mixture until it is chilled.  This will take about 4 hours.

After the mixture has been chilled, beat it with an electrix mixer for about 8 to 10 minutes until it is very thick.  Transfer the mixture to a freezer safe, air tight container and freeze it until it is very firm.  This will take another 4 hours.  Eat ice cream within 3 days.


Filed under: Easy Recipes at Home

Even though breakfast is considered to be an important meal, your lunch actually helps you to get through the day until it is time for dinner. If you have children in school, you are well aware that the cost of school lunches increase on a yearly basis. School lunches, as a matter of fact, most lunch menus are not considered to be nutritious. If you are on a frugal budget, below are some money saving tips that you can employ.

1.Pack a Lunch – Everyone in your household should take a lunch to school or to work. Even though you might be inclined to eat out with your work colleagues or your classmates, the cost of meals will certainly add up over a period of time.  Everyone probably remember those plastic containers that we had to use to carry lunch sometime ago and we had to put them in the fridge at work or use brown paper bags.  Nowadays, you can carry your hot or cold lunches in insulated bags that were designed for this purpose.  Some of those lunch bags are very attractive. Now you don’t have to use those paper bags anymore because there are so many options that are available to you. When you carry your own lunch, you can carry healthy meals and you don’t have to buy those unhealthy junk food that are available at the cafeteria.

2.Make Sandwiches – There are so many sandwich ideas nowadays, you don’t have to carry the old bland sandwich. Sandwiches can be made with wraps, pitas, buns or a variety of breads that are being sold today. The thing you need to do is not to use the same bread every day.  If you do this, you will change up the fillings. For example, you might want to use baked chicken and lettuce one day on a pita; or tuna and tomatoes on a bun or deli turkey in a wrap. Most children do not like the crust on bread so they usually eat the rest of the bread and leave the crust. So, making sandwiches in creative ways will sure get your children to eat them. It is perhaps a good idea to purchase condiments in packs that you can add to the lunches.

3.Bottled Water – Ever since there have been flavoring that you can add to water, water is not the same. Flavorings for water can be found at your local grocery or your drugstore for that matter and they contain very few calories. So, you can turn a plain bottle of water into a drink with very few calories without the sugar that plagues soda.

4.Dessert – Instead of buying candy bars from the vending machine or the drugstore or wherever, you might want to make some homemade treat that your family can take for lunch.  Another good idea is to take fresh fruit or even dried fruit.  I take an apple to work every day. It is quite okay to have a treat once in a while but this is not something that you want to do on a daily basis. You can make a batch of oatmeal cookies and take some for your after lunch snack.

5.Ice Packs – I am not sure if you have noticed but there are ice packs that you can purchase from your supermarket that you can freeze and pack with your lunch to keep it from spoiling. These are usually placed in your insulated bag to keep your food at a decent temperature to keep it from getting warm before your lunch time.

6.Vegatables- Another good lunch idea is chopped vegetables.  You can cut up vegetables like carrots or celery and take some salad dressing that you can use for a dip.

In summary, you can make lunches for you and your family rather than purchase junk food from the cafeteria.  You will be consuming  a healthier  lunch if you adopt some of these ideas for your frugal budget. Another added benefit is that you will save tons of money if you make lunch.

Filed under: How to Live Frugally

Chutney is a condiment that originated in India but is now very popular around the world.  It usually consist of fruits, vinegar, spices and sugar that are cooked and vegetables can also be added.


7 cups of peeled, chopped apples (golden delicious, empire or McIntosh)

2 cups of chopped onions

1 1/2 cups diced red and yellow sweet peppers

3 cloves minced garlic

1 tsp salt

1/2 tsp cloves

1/2 tsp crushed hot red pepper flakes

2 cups brown sugar

1 cup apple cider vinegar

2/3 cup currants


Put apples, onions, peppers, garlic, salt, cloves and pepper flaces in a large saucepan.  Stir in vinegar and sugar and bring mixture to a boil occasionally stirring.  Reduce the heat and boil for about 30 minutes while gently stirring.

Next, stir in the currants.  Reduce heat.  Simmer for 15 more minutes until it thickens.

Next, put into serilized canning jars up to 1/2 inch from the rim.  Top with seal and then apply jar rings and tighten.  Wipe jars clean and place in boiling water covering the jar.  The water should be about one inch above the top of the jar.  Boil for 10 minutes and then remove the jars.

The lids will vaccum seal as they cool but you can test them by pressing the lids in the center.  If the lids are not sealed, you can store those jars in the refrigerator and use them within one month.  The sealed jars can be stored in a cool place.


Filed under: Easy Recipes at Home


1/2 cup unsalted, softened butter

8 ozs softened cream cheese

4 ozs semi-sweet, melted chocolate (see below)

3 cups sifted confectioners’ sugar

1 tsp vanilla extract

1 tbs milk


Beat butter and cream chees until creamy.  Add chocolate, sugar, vanilla and milk and beat until the icing is smooth.

To melt the chocolate:

Put the chocolate in a double boiler.  If you don’t have a double boiler, put water in a sausepan and bring water to a simmer.  Next, put the chocolate in a metal bowl and place it over the saucepan with gently simmering water.  Do not let the bowl with the chocolate touch the water.

This can be used for your homemade cupcake recipe and you can dress up your cupcakes for a party or a picnic.

Filed under: Easy Recipes at Home

Everyone loves cupcakes.  These cupcakes are so good, they are difficult to resist as they have a tangy flavor.


2 cups of cake flour

1 tsp baking powder

1/2 tsp baking soda

1/2 tsp salt

2 large eggs at room temperature

1 1/3 cups of sugar

1/2 cup unsalted melted butter

1 1/2 tsp pure vanilla extract

1 1/3 cups buttermilk

12 – 2 1/2 inch paper muffin cup liners


The first thing to do is to preheat the oven to 350 degrees. Then, line the muffin pans with the paper liners.

To make the cupcakes, sift the flour, the baking powder, the baking soda and the salt together in a good size bowl and set aside. Next, beat the eggs and sugar together in a large bowl until they are very fluffy.  Next, you will add the melted butter, vanilla extract and buttermilk.  Mix to incorporate the ingredients.  The next thing to do is to slowly pour the sifted dry ingredients into the batter.  Mix until all ingredients are combined and smooth.  Next, pour the batter evenly amongst the muffin cups.

Bake for about 18 minutes.  You can insert a tookpick into the centre of the muffin until it comes out clean.

Allow the cupcakes to cool on a rack for about 10 to 15 minutes before you frost them. Serving: 12

You can easily double this recipe if you want to make them for a party or a picnic and they are very cost effective and are great for a frugal budget.  You can dress them up with this cupcake frosting recipe.

Filed under: Easy Recipes at Home

If you want to go green when cleaning your house, you might want to stock up on vinegar and baking soda which are safe for the environment.  Vinegar is great for cleaning around the house because of its acidity. Vinegar can be a great cleaner for cleaning hard water and soap scum.  Baking soda, on the other hand, is alkaline and it is great for scrubbing.  You just water to it to make a scrub.  Castile soap is another great product for cleaning.  Here are a few homemade cleaning products recipes for trouble spots:

For the bathtub:

Use vinegar to get rid of soap scum or you can mix baking soda with water if you want to scour.

To Clean the Sink:

Use baking soda and water.  If you want to make your sink look brighter, just pour vinegar in the sink and leave it for a while.

To Clean your Drain:

This is a great degreaser for your drain.  First you pour about 1/2 cup of baking soda down the drain followed by 1 cup of vinegar. It will begin to bubble so let it bubble for 15 minutes.  Rinse with hot water.  You may want to repeat the procedure or you can leave it overnight for a better result.

To Clean your Toilet:

The toilet bowl can be a little difficult to clean.  You can clean your toilet with borax.  Just pour 1 cup of borax into the toilet bowl and allow it to sit overnight or you for an extra-strength cleaner, you can add 1/4 cup of vinegar to the borax.  Scrub and flush your toilet the next morning.  Another idea would be for you to buy a toilet cleaning product from the health food store.

To Clean your Floor:

Use diluted vinegar and then water rinse afterwards.

The above recipes are great if you are living on a frugal budget and you are looking for a way to save money on cleaning products.








Filed under: How to Live Frugally

Breakfast is not only the first meal of the day; it is also the most important meal. After we have been fasting all night while sleeping, we need food to get us going. Coffee does not count as breakfast. I am taking about food that will sustain you for a few hours. Below are some easy breakfast ideas that you can prepare at home especially if you are on a frugal budget and you don’t want to spend money on fast foods.

1. Casseroles are great for a healthy breakfast.  They can be made with ingredients that you like. If you are making a casserole, you will use fewer eggs than if you were preparing other egg recipes like scramble eggs. You can make a casserole that will last you or your family for the whole week or a few days. If you don’t have time to cook breakfast like bacon and eggs in the morning, you can prepare breakfast the night before.  What I usually do is prepare breakfast for the whole week and freeze it.  Then all I have to do in the morning is to steam it or microwave it.

2. Yogurt is another breakfast idea.  It is not only economical; it can be a very healthy choice if you choose regular yogurt, not the yogurt with the fruit on the bottom. You can add some fresh or dried fruit to the yogurt. The fruit will not only provide essential vitamins and minerals but it will also be a good carbohydrate source that will provide you with much needed energy to get you through until lunch.

3. Shakes are another good breakfast idea. Preparing a shake and taking it with you to consume while you drive or are driven to work will also provide the necessary nutrients that you body needs. In a blender, add some frozen fruit, protein powder, ice and juice or frozen fruit, yogurt, ice and juice to whip up a tasty breakfast which you can then put in travel mugs and everyone can grab a mug on their way out the door.

4. Pigs in a blanket. I am not talking about store bought sausage based foods.  You can make your own pigs in a blanket but you need to have some frozen sausages in your freezer. You can buy and keep a few packages in your freezer so you can make these when you are strapped for time. First, you will need to make pancakes and freeze them in stacks that will feed your family.  Remove the pancakes and the sausages from the freezer for thawing. Use the microwave to heat up as many sausages and pancakes as you need. Once the pancakes and sausages are heated, you will be wrapping each sausage with a pancake for a tasty breakfast. These can be eaten while you are on your way to work because of the sizes, which will not create a mess.

5. Breakfast sandwiches are another good breakfast idea.  What you need to have on hand to make your breakfast sandwiches are deli turkey, chicken, cheese, ham or whatever you like plus some vegetables like lettuce and tomatoes. You can make them and grill them the night before. Then, cut them into quarters and put them in a container and store in the fridge overnight. In the morning, you would heat them up, add your toppings and you will have a very quick breakfast.

The above ideas for breakfast will save you time and money. You can even use things that you have in your pantry to create delicious breakfasts.  I am sure will think up a few breakfast ideas after you read this. Now that you have some ideas to create healthy breakfast, you will not ship breakfast or go to the drive through to pick up breakfast.

Filed under: Cheap Meal Ideas

Every purchase that we make is getting more and more expensive every day. This includes everything from groceries to gasoline so we have to stretch our budget further and further. If you live in a small town and work nearby, you may be able to ride your bicycle but this is not practical for most people. There is not much to be done about grocery shopping because we all
have to buy groceries. However, we must find avenues to cut our spending on groceries as we buy other things that our family need. Below are some save money tips that you can employ when you go to buy groceries:

1. Clipping Coupons – There are coupons everywhere from your daily newspaper to online coupon sites. In addition to using coupons to save money on grocery items, you can use them to try new products.  This means that if you like the product, you
got a savings but if you did not like the product, it means that got it at a discount. Unless you use a lot of coupons, on average you might save approximately $12.00 per trip to the grocery store. This is a saving that you can use for purchasing other things that you or your family need.

2. Buy Less Prepared Foods – If you purchase more staples than prepared foods, you will save money.  We all know that prepared foods cost most than buying groceries to prepare the food yourself.  For example, you can purchase a block of cheese economically.  If you had to purchase the cheese that was already grated for you, this will cost way more than if you purchase the cheese and grated it yourself.  Not to mention you will get many more cheese servings from the block of cheese.  When you go shopping the next time, avoid the prepared foods and get staples instead. Or you can simply compare the prices of
the prepared food to the staples and you will see that staples will be the less expensive option.

3. Bulk Buying – You should bulk buy items that you and your family frequently use. This includes things like meat, chicken, fish, vegetables, juice, toilet paper and other paper products.  These can be bought in bulk at places like Costco or Wal-Mart or other bulk food places. Don’t forget the coupons for even further savings.

4. Avoid Shopping When Hungry – Shopping when you are hungry is not advisable. The reasons you should not shop when you are hungry is because you will buy things that you do not need. For example, you will be tempted to pick up a package of muffins (in my case), donuts or cookies so you can have a snack when you get home.

5. Make a grocery list – A grocery list will let you focus on the things that you went to the grocer to buy rather than picking up things that you don’t really need. To prepare a list, look in your pantry and your refrigerator or wherever you store your groceries and make a list of the items that you need. The objective is to purchase items from your list.

6. Don’t shop at different stores – You should shop at the same store.  If you keep changing the store, you will only get frustrated. The reason for the frustration is that you will spend a great deal of time trying to find the items that you need because
you will be unfamiliar with where the items are located. Another benefit of shopping at the same store is that you will know the prices of the items that you normally purchase.

Just because food prices are increasing, it does not mean that you cannot prepare healthy meals for your family.  Stretching your budget involves a great deal of planning and you will be able to prepare great meals, even if you are living on a budget, if you follow the above save money tips.

Filed under: How to Live Frugally

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