May 6, 2009

How To Save Money On Groceries

Unlike a fixed monthly cost such as your mortgage or car payment, the amount you spend on groceries each month is somewhat flexible. While the common advice of clipping coupons and buying generic brands to save money while shopping is sound, by far the best way to truly keep your grocery shopping expenses under control is by understanding how grocery stores entice you to spend more than you really want. By fully understanding the ways grocery stores encourage you to spend, many of which you probably never even noticed before, you can combat their strategies and spend money only on the merchandise you really need.

Although a grocery store may appear to be simply a place to purchase food and other household necessities, in reality it’s a cutting edge example of “how to sell more than consumers really need.” Since you are the consumer, it’s important that you realize these sales tactics so that you walk into a grocery store to get only what you need while avoiding everything else that the grocery store wants to sell you. Here are some ways that grocery stores manipulate you into spending more than you had planned and some simple steps you can take to counter them:

Smell: One of the first things you’ll notice when you enter a grocery store is the mouth-watering smell. There is a specific reason why grocery stores smell of freshly baked goods, and also why the bakery is almost always found near the store entrance. The reason is that a bakery making bread and desserts gives off an enticing smell, and that smell is likely to make you hungry. The grocery store also knows that if you feel hungry while you shop, you are likely to spend more money - a lot more - than if you are not hungry.

A simple way that you can combat this is by going grocery shopping only after you have had a meal and are full. If timing doesn’t allow for you to do this, at least drink a couple of glasses of water before leaving to make you feel full before shopping. Shopping while you’re full makes it much easier to resist the great smelling temptations that the grocery store will flaunt in front of you.

Overall Store Layout: Did you ever notice that when you only need to buy a few staple items, you have to travel the entire grocery store floor in order to get them? While one might assume that the convenience of putting basic staple items in the same general area would make happier customers, grocery stores know that the longer that they can keep you in the store, the more money you are likely to spend. They also know that making you walk as far as they can inside the store will make it more likely that you’ll pick up impulse items. Stores are specifically designed in such a way as to make you spend as much time as possible inside them and walk the entire store floor to get the basic staples that everyone needs.

Although there is no way around going to the far corners of the store to get the groceries you need, you can avoid the trap of impulse purchases on the store floor by taking the time to make a list of the items you need and sticking to it when shopping. Getting into the habit of making a single trip once a week to take care of all your grocery shopping needs instead of several smaller trips throughout the week will also greatly reduce your time in the store and the chances that you’ll buy items you don’t really need.

Item Display Layout: Manufactures of brand named products pay hefty stocking fees to stores to have their merchandise placed on the shelves at adult eye level (and child eye level in the case of products aimed at children such as cereal). Manufactures are willing to pay these prices because they know that you are much more likely to purchase something that you can easily see as you are walking down the aisle than something you have to stop and search for. The result is that the products placed at eye level are usually the most expensive.

Before grabbing the first item you see, take a few seconds to look at the upper and lower shelves. Similar products are placed together and simply looking will often reveal the same product at a much better price.

“Sale” Merchandise: Grocery stores will advertise a certain number of items at rock bottom prices (called “loss leaders”) to get you to come to the store. While these can be genuine bargains, don’t get fooled into thinking that everything that has the words “sale” or “bargain” above it is really that. While aisle ends are reserved for these “bargains,” they aren’t always the deals they seem to be and the discounted products are often displayed along side higher price products. You can sometimes even find similar products in the regular aisle section that are less than the end of aisle “sale” merchandise.

The important thing to remember when grocery shopping is to focus on the price of the product and not all the fancy advertising and slogans promoting the product. Take the time to check the other brands and see if there is a better deal. Also, remember that if you weren’t planning to buy the item and you don’t really need it, then it really isn’t a bargain for you no matter what the price. Only consider those items that you regularly use and you have a need for.

Product Appearance: Product packaging at grocery stores is bright, usually in red and yellows since these colors attract the eye. Just because something grabs your attention, however, doesn’t mean that you have to buy it. Keep focused on your shopping list and don’t get distracted by products you don’t really need.

Packaging will also be much larger than the actual product for many food items. Manufacturers know that shoppers assume that larger sized packaging equals a better deal. It would make sense since bulking items together saves the manufacturer on packaging, shipping and stocking which they can pass along to you. With a mantra “buy in bulk” now firmly grounded in most people’s minds as a way to save money, manufacturers are taking advantage of this. While still not the norm, more and more larger sized packages are less of a deal than their smaller sized counterparts since manufacturers know you will make the above assumptions and probably not compare the per unit cost.

Before grabbing the largest box of a product, take the time to calculate the per unit or per weight cost. More often than you would expect, smaller packages of an item are actually a better deal than buying the same item in a larger package.

Check-Out Layout: The check out aisle of a store is like a mini mart in itself. This is because grocery stores know that they have a captive audience while you wait in line to pay for your groceries. They squeeze in every little thing that might remotely peak your interest to rack up a large amount on impulse sales.

The best way to avoid these temptations to is plan your shopping during off peak hours. Avoid the weekend if at all possible since this is when grocery stores are most crowded, as well as the evening when everyone has just gotten off work. With many grocery stores now staying open 24 hours a day, late night and early morning trips when the aisle and check out lanes are practically bare are the perfect time to get in and out of the grocery store as quickly as possible.

By taking the time to understand how the grocery stores try to influence your shopping and spending habits, you have now put yourself in control. Utilize the suggestions about how to counter the grocery store’s selling techniques and you will be able to control your grocery spending to a much greater extent and should have a much easier time keeping to your monthly food budget.

Copyright (c) 2004, by Jeffrey Strain

This article may be freely distributed so long as the copyright, author’s information and an active link (where possible) are included.

A complimentary copy of any newsletter or a link to the site where the article is posted would be greatly appreciated.

Jeffrey Strain has published hundreds of money saving articles and the creator of the Daily Money Saving Challenge Program. He is the co-owner of http://www.savingadvice.com — a website dedicated to saving you money.

savingadvice@gmail.com

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How to Make Piccadilly’s Delicious Carrot Souffle

Mom and I absolutely love Piccadilly Restaurant’s carrot
souffle dessert. Recently over dinner there she was telling me
about how she had tried to make it herself recently. She was
just guessing at what ingredients Picadilly uses, and she felt
something was missing.

As she went over all the ingredients she used, I became curious
and wanted to try it myself, so I got the idea to look it up on
the Internet. It didn’t take me long to find it, and I was
anxious to try it myself:

Picadilly’s Carrot Souffle

1 3/4 pounds carrots, chopped up
1 cup sugar
1 1/2 teaspoon baking powder
1 1/2 teaspoon vanilla
2 tablespoons flour
3 eggs, well-beaten w/electric mixer
1/2 cup butter or margarine (room temperature)
powdered sugar

(Surprisingly, no cinnamon or nutmeg, which we had assumed must
have been in the recipe).

Steam or boil carrots until they’re extra soft. Drain well and
put into large mixing bowl.

While carrots are still warm, add: sugar, baking powder, and
vanilla. Beat with mixer until smooth.

Add flour and mix well. Add whipped eggs and mix well. Add
butter and mix well.

Pour mixture into baking dish. Bake at 350 degrees Fahrenheit
for about 1 hour or until top is light golden brown. Sprinkle
lightly with powdered sugar over top before serving.

After I tried this recipe the first time, I realize I needed to
let the carrots boil a bit longer so they’d come out mushy. The
souffle ended up with little carrot chunks and not completely
smooth and creamy like it should.

But it does taste a lot like Picadilly’s so I know I’m on the
right track. I just need to keep practicing on getting the
texture right.

About the Author

This article provided by Kori Puckett, publisher of 300+
delicious, old fashioned, homemade dessert recipes at
http://www.VintageSweetTreats.com.

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May 5, 2009

Come On, Why Not Me? The EuroMillions and UK Lotto Winning Desires: My Passion of Winning the Euro Millions and Then Experiencing a Life-time of Opulence for the Remainder of My Life

My acquaintance John rings me on the phone to buzz me that he has found some on-line gambling sites that I just have to suss out. I’ve never really been serious into gambling, but I figured ok, I will give it a try out. Therefore I tried out some blackjack and poker, only honestly, they just are not my cup of tea. So I find these online e-lottery web sites and I figure that over cyberspace I can take part in all other lotteries around the Earth. Right Away to me this seems a heap more enjoyment, therefore I guess I would give it a try out. In the beginning I tried out my luck at euromillions, you know a European lottery. I picked my elottery numbers and then awaited and daydreamed that I will win it big. I didn’t only when the euro millions results came out; I was highly surprised to see that I had in reality come really close to the winning lotto numbers. I tried out a few other world lotteries, but I felt that I had come so close the first time on the euro lottery, that I simply had to give it one more shot. Now to date, I haven’t scooped a bucket load of pounds, but all the same, I have won some money, so I carry on playing the euro lottery and picking lotto numbers, hoping to get my big break. I am one of those individuals who like to think in the likelihood of hitting the jackpot, because it is tough to think getting that sort of money some other way.

As for my friend, he still stays on with his passion of on-line gambling and finds himself at the on-line gambling casino for at least an hour a day. He likewise has won some money, but it has high’s and low’s and the difference is, when you lose at gambling you commonly lose a heap but when you lose at the lotto, it doesn’t cost you very much. I think that the lottery is the only way for me to go foreward plus the thought of hitting the jackpot and on top of that, it’s only costing me just a few bucks “makes it more appealing”.

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May 3, 2009

Chapter Seven Bankruptcy Information

There are two choices for filing bankruptcy as a consumer, chapter 7 and chapter 13 bankruptcy. Chapter 7 is often called liquidation as all of your unexempted property is sold in order to pay off your debts that you claim in the bankruptcy. Exempt belongings is that property that the government allows you to keep in order to continue living a normal life, like a auto, clothes, furniture, etc. Each state has their own bankruptcy exemptions, as well as a set of Federal exemptions that can be used in some states.

In order to be able to file a ch 7 petition, you must be an individual, you must have completed a credit counseling course from an accredited agency within the 180 days before filing for ch 7 bankruptcy relief, and qualify the means test which is completed with yor petition.

In a chapter 7 petition, you will have to file schedules that list your debts, property, income and bills. Copies of tax returns, pay stubs and credit counseling certificate will also have to be filed. Bankruptcy filers who are married must provide the spouses information even if they are not filing bankruptcy together so the court can determine the households ability to pay the debts.

When finishing your petition, you will have the option to continue paying and maintaining your property if you are able to, such as your dwelling or automobile, by making a reaffirmation agreement with the creditor. By reaffirming the debt you are admitting that you intend to make payments. If the trustee approves your reaffirmation agreement, the creditor may be able to repossess the property if you do not pay.

When you file your ch 7 bankruptcy petition you will have to pay up a filing fee of $299. This cost can be paid in installments, up to 4 no later than 120 days after you file. Once the petition is filed, the bankruptcy stay is in effect, and your creditors cannot try to collect on the debts or continue lawsuits, or wage garnishments. Each of your credit companies will be advised that you have filed bankruptcy and given a chance to reply. A 341 meeting will happen within 20-40 days. During this meeting, the creditors and trustee can ask you questions.The trustee then rules on the presumption of abuse of your case. A presumption of abuse by the trustee can result in being forced into a chapter 13 bankruptcy.

The bankruptcy trustee is then responsible for liquidating your assets that are not exempt, meaning they are not protected by filing bankruptcy, and giving the proceeds from the sales to your unsecured creditors. Once assets are liquidated, if there are any, then the trustee will grant the debtor a bankruptcy discharge which absolves the debtor, you, from owing what is left to your creditors, basically wiping out your debt.

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May 2, 2009

How to Cook without Water

At simplyKitchenware.com , we are often asked about the problem of cooking without water. Nobody likes the smell of burning food, and the most obvious response to the pan drying out is simply to add more water. However, this is not always the best solution. Over hydrating your ingredients is actually the fastest way to dilute the taste - and bland food is a dish best not served at all, not to mention you run a real risk of damaging your expensive cookware!

The solution? At www.simplykitchenware.com , the answer to this question is broken down into several steps you should follow if you want to cook without water, without either ruining your ingredients or damaging the pan.

Always use the right pan
Select the utensil the food will most nearly fill, as air pockets - created by using pans too large for the food quantity will destroy vitamins - dry out food and possibly burn and damage your pan. Our recommendation : Never use more than 2/3 of the pan capacity.

Rinse prepared food and vegetables
This is important for two reasons. First of all it removes harmful chemicals and secondly it allows enough water to cling to the food to mix with the natural juices, which will help to get the waterless nutritional cooking process started.

Control the heat
It is important to start with a cold pot and to check the heat throughout the cooking process. If the heat is too high, the steam will evaporate and destroy the food and possible the cookware. When one cooks according to the waterless method, we strongly recommend to maintain
MEDIUM heat.

Get a vapor seal
Start cooking at medium heat. When the slightest puff of steam escapes on the side of the lid lower the heat to low or simmer. After this, you may start counting for the cooking time. The lid now has formed a natural seal with the pot. We recommend to use 3-5 tablespoons of water in the beginning.

Don’t peek
Every time the cover is removed during the cooking period, heat and steam are allowed to escape, which will lengthen the cooking period and dry out the food. If you can’t resist the urge to peek, never forget to add a few extra tablespoons of water. Be specific: If the recipe calls for 10 minutes, don’t start looking after 5 minutes.

Follow these simple steps and you should be fine!

About the Author

Celeb chef Helen Porter cooks up a storm for www.simplyKitchenware.com the only place for cookware and kitchenware online!

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