Jan 29

Enjoy a chilly weekend at home with this delicious and healthy soup submitted by a fellow reader and fan of 3 Girls and A Pug, Joy Henshaw.

It’s a hit in our house. In fact, it’s a great way to re-use any leftovers you have after eating tacos or other south of the border yummies. Test it out in your kitchen and let us know if it’s popular at yours too.

Taco Soup
(submitted by Joy Henshaw, California)

1 lb ground beef, browned and drained
1 small onion, chopped and cooked with hamburger
2 cans corn (with liquid)
3 cans beans (with liquid) choose your favorite three
2 cans petite cut tomatoes (with liquid)
1 pkg taco seasoning

Mix and heat through. Add water if more liquid is desired. Serve over tortilla chips and garnish with shredded cheese and sour cream.

Question: What’s your favorite rainy day or winter day soup?

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Jan 28


Is it bad to admit that I already daydream about retirement when my oldest child is still in elementary school and my youngest hasn’t even started yet? I haven’t figured out the details on how or where we’ll spend our golden years but I’m hoping it includes a beach chair, a ukulele for serenades, and endless chocolate-covered strawberries.

The best place to start planning for retirement is to know where you want to finish. Where would you like to retire? How much money do you think you’ll need?

Once you’ve figured out when you want to retire and how much you’ll need to save then you can count backwards. Using your estimates for the future should give you an idea of where you need to be in 10 years, 2 years, and now to reach your future financial goals.

Once you’ve figured out what you need to do, find a goal you can start with immediately and implement it into your day-to-day life. Maybe the first step is to cut out all trips to the drive thru out or maybe it’s as simple as tracking your expenses and trimming out another expense. Make realistic short-terms goals and keep your long-term goal in the forefront of your mind.

If you have a 401(K) plan then this is a great time of year to evaluate how aggressive your investing is and to increase your contributions when you get a raise.

Reward yourself along the way. As you begin to reach your mini-goals of paying off debt or stockpiling cash in your savings account, be sure to reward yourself as you reach your milestones. It feels good to pause and enjoy the vistas along a great hike before you reach your final destination. Stop and enjoy a moment before you keep climbing up the mountain. It will motivate you to keep going when you hit the rough spots along the way.

Goals are really just talk until you put them in writing. Be sure to put your plan in writing and keep it somewhere you can look at it frequently to keep yourself motivated.

Involve the kids, too. We recently sat down with our little ones and told them about parts of our financial plan for the next few years. Our reward will be a nice family trip next spring. We brainstormed as a family ways we could cut some things out of our budget. They actually suggested turning lights off when they leave a room and cutting out extras like eating out and movies. (What a motivated bunch of kids!)

Question: What age do you hope to retire?

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Jan 27

The Children’s Place is having an awesome deal — online and in their stores. They’re offering an extra 50 percent off all of their clearance items. Now’s a great time to stock up on winter clothes and fill in the gaps to make it through the rest of the cold days until spring. They have a falt fee of $5 on all shipping orders, so make sure you fill up the box!

http://www.childrensplace.com/webapp/wcs/stores/servlet/TCPSearch?storeId=10001&langId=-1&catalogId=10001&categoryId=27151&categoryIdsTree=27151&categoryNameTree=big+girl&categoryName=biggirls&N=0&Ne=&Ns=default&Nao=100&Ntt=&sale=1&dept=1027151&url=SaleView

Also, Old Navy is promoting their extra half-off clearance sale. I just swooped up some more pants for daughter who has already outgrown all of her winter clothes I bought in the fall. Where else can you get new jeans for under $5? (And they’re super stylish, too.) We also picked up a cute pair of printed wannabe Uggs for $6 (Just in time for the rain, too.). They had tons and tons of adult clothes (including tons of maternity gear) as well and they seem to be putting out new stuff everyday. If you haven’t been by recently it might be worth it to see what they have on sale today.

Question: What’s the best deal you’ve found recently?

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Jan 26

I really hate wasting food. Not only is it like throwing money in the trash, it also makes me feel incredibly ungrateful for what I have. Like you, I’ve seen many images in the past few weeks of Haitians enduring starvation after they’ve been through trauma after trauma. It makes me cringe when I think of how much I take my fully stocked pantry for granted.
For my final five tips for saving money on groceries I have compiled a list that I hope will provide some extra money in your budget and keep you and I from having excess food on our shelves that spoil.

1. Stockpile your savings. And then eat them. I use my garage as my secondary pantry. We’ve installed wonderful shelves in the garage where I store extra food and supplies. I stockpile deals that I can’t pass up and then I have my own mini store in my garage that I can shop from. For example, canned vegetables were on sale for 2 for $1 recently.

2. Carefully compare Costco costs. Costco is usually cheaper than paying full price for items at the grocery store. However, it’s almost always cheaper to buy grocery store sale items than to shop at the warehouse giants. Everyone knows it’s hard to escape Sam’s or Costco for under $100, and I’ll be the first to admit that it’s easier to buy items in bulk than to shop smart and save. I recently did an experiment where I banned myself from Costco for a month. I found that it was easier to get by without those monster-sized cases of tomato sauce than I imagined. As an added bonus my monthly food bill went down, too.

3. Cook with easy recipes only. Not only does it save you time it really does save you money, too. Really it’s quite logical – if your recipes require fewer ingredients you need to buy fewer things to make dinner (saving money) and it also requires fewer steps (saving time). I love watching “Five Ingredient Fix” on the Food Network because it gives you lots of great recipes that are fast, cheap and healthy. What more can a busy gal on a budget ask for?

4. Buy less and shop more often. It’s a simple supply and demand principle from Econ 101. If you have more demand than supply you’ll always be fiscally sound. I try not to stock up too much on perishables but instead replenish my fridge every five to seven days. I find we waste a whole lot less and it forces my kids to find other things to eat than the easy go-to items.

5. Have Plan B on ice. We’ve all had those days where we our best-laid plans don’t work out quite the way we intended. We’re all starving and worn out and it seems to be easier to just eat out. Instead of hitting a drive-thru or ordering pizza it’s always great to have a backup plan ready in the wings. I try to find items that can be cooked from a frozen state or prepared quickly out of the pantry. It doesn’t have to unhealthy either. Instead of frozen chicken nuggets there’s always pre-made soups or raviolis.

There are lots of quick meals that can still be healthy. I write down a substitute meal on my dry-erase board and use it as needed. I also keep a printed list on my fridge of quick and easy meal ideas. (Here’s mine from a previously blog entry – http://3girlsandapug.com/2009/05/01/foodie-fridays-29-quick-and-easy-week-night-meals/ )

Question: What do you do to save money on your grocery budget?

Jan 25

These days my dental horrors come from root canals and estimates on braces for all three girls, but it wasn’t too many years ago that the dentist left a near-permanent scar in my mind.

As a kid, I remember sitting in the dentist office waiting room with my older brother for my first time to sit in “the chair.” I vividly remember the office had real wood paneling with tons of knots and cracks in the dark, brown, circa 1970s wood. You couldn’t see behind the heavy door that would periodically open and close quickly, but you could hear the sound of a drill and you could get a whiff of a smell that is unmistakably and only found at the dentist’s office.

My brother must’ve sensed how terrified I was, as I shifted my weight nervously in the synthetic leather chairs, after my sister went in for her exam. He took this opportunity to pounce on me in a way that only an older brother can. He pointed to one of the large holes in the wood paneling behind my head and said, “See that.” I nodded my head because my throat was too dry and too raw to speak because of the tension that filled my body. “Some kid sat where you’re sitting right now and the cavities jumped out of his mouth and spread onto the wall,” he said as he ran his index finger around the hole on the wood. “The cavities dug a giant hole on the wall just like the hole they’ve been digging in your teeth.”

Out of a combination of both anger and fear I shot back. “I don’t have any cavities! You do!”
He ignored my attack and kept going after my own fears and insecurities. He said, “You do, too, and the only way to fix them is to get out a big drill and drill the cavities out of your teeth.” He then leaned forward and put his face into my ear and began making the drilling sound, “Zzzzz….Zzzz.”

Just then the door swung open and it was the dental assistant calling my brother into the exam room. All of his bullying confidence disintegrated and he hurried off sheepishly with her. I was relieved he was gone, but I also discovered that I had tons of time to silently ponder the terrible images he had just placed in my head.
Every few minutes I’d hear the sound of the drill buzzing away on some poor cavity-ridden soul and I’d squirm nervously in my seat. I tried to distract myself and think of something else but all I wanted to do is bolt out of that tiny, poorly decorated room and hide.

I thought to myself, Who really needs to go to the dentist anyways? I brush. I’m fine. Besides, I still have loads of baby teeth. What’s the big deal really?

Then the door swung open again and the sounds and smells from the inside wafted into the waiting room. My sister also appeared and proudly declared herself to be cavity-free. Now, it was my turn. With my head held high I tried to not look as terrified as I felt. I walked down the long hall to the last door on the right and took my seat in the infamous chair. In the end, the actual event was far less traumatizing than the anticipation of the fear.

This week I took all three of my children to their regular cleaning at our dentist. It’s a far cry from the reality of dental offices in the 1980s. Our 2010 office has cable TV, an endless DVD collection, and a treasure chest full of toys for kids. My daughter even declared that she loved the taste of fluoride. I’m sure I never said that in my early years of having my bicuspids coated and lacquered.

Several decades later, I still believe I got the last laugh on my brother because I was cavity-free that day and he had multiple teeth that needed work.

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Jan 22

Want to be a guest blogger on 3girlsandapug.com?

I’d love to have some of my readers share their insights.
Please, please, please don’t be worried about your idea. I have no ability to share tips in areas requiring a green thumb or a glue gun, so it would really be a great service if you’d share your special skills.

I’d love to hear from you. Send me an email at mom@3girlsandapug.com.

Thanks!

Jan 22

Feeling like you ate too many goodies over the holidays? Trying to get back on the wagon? You’re not alone.

Here’s a fun and easy recipe that’s a perfect blend of citrus and nuts that makes you think of winter but gets your body ready for summer.

Ingredients
• 1 (10 ounce) package baby greens
• 1/4 cup chopped red onion
• 1/2 cup chopped walnuts
• 1/3 cup crumbled blue cheese
• 2 teaspoons lemon zest
• 1 apple – peeled, cored and sliced
• 1 avocado – peeled, pitted and diced
• 4 mandarin oranges, juiced
• 1/2 lemon, juiced
• 1/2 teaspoon lemon zest
• 1 clove garlic, minced
• 2 tablespoons olive oil
• salt to taste

Directions
1. In a large bowl, toss together the baby greens, red onion, walnuts, blue cheese, and lemon zest. Mix in the apple and avocado just before serving.

2. In a container with a lid, mix the mandarin orange juice, lemon juice, lemon zest, garlic, olive oil, and salt. Drizzle over the salad as desired.

Recipe from Allrecipes.com

Jan 21


Whether your bottom line has been hurt by the economy or not, chances are your financial future has been on your mind. Many people have made it a priority to get their personal finances back on track.

Today’s post about creating a family budget is the first in a series of several posts about making 2010 a great financial year for your family.

Experts recommend using the 70-20-10 rule to have a successful roadmap for spending. Here’s how they break down your monthly paycheck:

• Living expenses should consume 70 percent of your budget. This includes housing, food, utilities and transportation.

• Twenty percent should split three ways, with the first 10 percent going towards retirement. (See next week’s post for more information on planning for retirement.) The last 10 percent should be split in half, with 5 percent set aside for building up your emergency fund (which ideally covers your living expenses for three to six months) and the other 5 percent going towards a specific savings goal (like buying a new car or saving up for a down payment on a house.

• The final 10 percent of your budget should be allocated towards debt repayment. You begin by paying down the highest interest debts first. Once those debts are paid you add the additional money to lower interest debts and pay those off faster. If you’re lucky enough to not have debt, then you can use that final 10 percent to invest in interest bearing savings accounts, CDs, IRAs, etc. You should consult an accountant or financial advisor to make sure you’re choosing what is best for your financial situation.

Other tips for saving:

1. Keep time on your side. It can be fatal to rip open your 401K statement these days, but things are on the upswing and most people still have plenty of years before retirement to recover their losses.

2. Don’t touch your long-term savings to fix a short-term cash flow problem. It can be tempting to dive into your nest egg to put a band-aid on your current problem. Always try to find another solution first.

3. Budget in some fun. It’s unrealistic to think you’ll never go on another vacation or eat another meal out again. Budget in some fun extras and then you can enjoy them when you pull out your wallet to pay that night out on the town instead of feeling guilty.

4. Consult a pro. Sometimes you have to spend a little to save a lot. Call a professional financial planner and get their opinion about your strategy and goals. They may be able to offer you advice that could save you tons of money.

Question: What was the last thing you bought for yourself?

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Jan 20

A new report just released by the Kaiser Foundation survey shows kids spend so much time playing with high tech gadgets that they could be considered full-time employees.

According to the study, itoday’s kids spend more than 53 hours a week using cellphones, iPods, video games computers and other media.

Question: How do you regulate your kids’ usage of electronic media devices?

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Jan 19

I don’t know about you, but I detest spending money on food. Don’t get me wrong, though — I love to eat.

The grocery store is one area where you can make or break your family budget. This week I offer additional tips for saving big on all the essentials without clipping coupons.

1. Keep the fridge clean. How often do you clean out your fridge? I bet the answer might scare some of us during a busy stretch (and when is life not busy?) but if you can keep a good inventory on what you have then food is less like to spoil. Throwing food away is the same as throwing money in the trash.

2. Use up your leftovers. I am the queen of reinventing food and sending back to my customers (i.e. my kids). I took leftover thinly sliced, breaded pork that we served several meals ago out of the freezer, topped it with spaghetti sauce and parmesan cheese and served up Pork Parmesan to my family. I got rave reviews from the same trio of girls who said, “I love your pork tenderloin but I’m so sick of eating it. Please don’t give us anymore!”

3. Freeze ‘em up. Utilize your freezer space not only with good deals, but by making freezer meals (look for more details about this in February when I guest blog for CouponGeek.com). You can freeze meals large enough for the whole family or in small, lunch-sized portions. It’s a great way to hide away leftovers for a few weeks and bring ‘em back for round two.

4. Make your own snack drawers. I keep ready to eat healthy snacks in one of my crisper drawers and the bottom drawer of my pantry. The kids always know where they can look for a snack and I only keep healthy snacks at their ready reach. I only buy items that are on sale, and it keeps their favorites in a natural rotation. They never tire of their favorites and I never pay full price for snacks.

5. Spend a buck to save lots of bucks later. I bought a large bag of clothes pins for a dollar at Target so we’d have no excuse for not properly storing and sealing food items. Stale chips or cereal are needless wastes of food, so be sure you package things up to keep them fresh for as long as possible.

Question: How much did you spend on your last trip to the grocery store?

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