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Weekly Debt Update #8- What I Wish I Could (But Can’t) Do

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I hope everyone is having a great Tuesday!

I want to share with everyone the things I dwell on, but can’t buy/do due to being in debt and on a tight budget. I have a feeling I’m not the only one with this sort of list out there.

1) Home Improvements. I just bought a house back in 2013. While the house is in pretty good shape and the previous owners did a lot of nice upgrades, the house itself is still 100 years old. It would be nice to make it our own, so to speak. We’ve repainted some rooms, but haven’t changed anything up to the extent I would like. Whenever we clean up the house, I imagine the things we could do- move a wall here, upgrade the flooring in here, add shelves here, but I’m afraid that as long as I have student loans to pay, all these are going on the back burner for now.

2) New clothes. I haven’t bought clothes for myself in at least a year, which I bought a couple pairs of paints, shirts and shoes for work. Besides this one time, I haven’t bought clothes in at least 2 years, if not longer. The old saying “is dress for the job you want, not the one you have” and I certainly do wish I could live by this saying. The clothes I have work ok in our business casual office, but I know if I could do better if I have the funds to do so.

3) Trips. I’m not talking about trips to Europe or cruises or vacations to Disneyland or anything like that, but weekend trips to visit friends and family scattered around the county. One of my best friends lives in North Carolina and I haven’t visited him now in a couple years. Another good friend of mine lives in Ohio and just had a child. I would love to visit him more often than I do. And of course my immediate family lives in Buffalo, so thankfully I’m able to visit them once a month or so, except for my sis who lives in Orlando.

4) Girlfriend. My GF asked me what I was going to write about today and I told her I was going to post my wish list of things I wish I could buy/do but can’t. This of course lead to her asking me what’s on my list, so I gave her this run down and finished with being able to get you better gifts and surprising you every so often with things that you love. Being the amazing, down to Earth girl she is, she told me the gifts I give her and the time we spend together is all she needs. This didn’t stop my guilt. I still wish I could surprise her with flowers or cups of tea from Tim Hortons or grapes tomatoes- just little things that add up, especially considering I’m only on a $70 a week budget for groceries and gas.

Here we are on one of our budget friendly drives to a very cute ski resort in our area, where we took a hike on the golf course:

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I thought this would be the perfect post to transition into next week’s post- my future (AKA post-debt) plans, because I would love to add budget lines for all these items eventually.

And speaking of future plans- shout out to Angie, Rachel and Joe for their input  on last week’s post in pointing me in the right direction retirement wise. I spoke with our company’s human resource manager and our next available dates to get back into the company 401K is May 1st and August 1st. I’m still hesitant to get back in on May 1st since I’m on a debt payoff roll, but I’ll definitely be back in come August.

Lastly, here’s my debt totals as of last Thursday:

Loan NameInterest RateOriginal Balance- May '09Current BalanceTotal Paid Off
Sallie Mae 015.25$27,837.24$24,357.79$3,479.45
Sallie Mae 024.75$22,197.02$19,107.77$3,089.25
Sallie Mae 037.75$20,692.10$0.00
$20,692.10
Sallie Mae 045.75$10,350.18$7,652.04$2,698.14
Sallie Mae 055.25$6,096.03$4,661.94$1,434.09
Sallie Mae 06 and 074.75$6,415.09$0.00$6,415.09
Sallie Mae- DOE 015.25$5,000.00$0.00$5,000.00
Sallie Mae- DOE 025.25$3,000.00$0.00$3,000.00
AES6.8$9,000.00$0.00$9,000.00
TOTALS$110,587.66$55,779.54$54,808.12

I won’t bore anyone with my budget this week- I’ll save that snooze fest for next week’s post. Have a great week!

Never Going Back: Homemade Yogurt

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One thing that is consumed A LOT in our house is yogurt.

We can have yogurt just about any time of day….

For breakfast I’ll often serve it with fresh fruit and wheat toast for the girls/raw oats for me (don’t knock it ’till you try it. It actually tastes really good, and way healthier than super sugar-fied granola!)

I’ll sometimes serve it as an accompaniment to lunch. Particularly on days that the girls are in preschool I like to send yogurt since its a good source of protein. The girls’ preschool is meat-free, so I sometimes struggle with protein-based options (peanut butter gets OLD after awhile). Yogurt as a side is always a good option.

And yogurt is just about everyone’s favorite snack.

MMMmmmmmmm yogurt!

Until this point I generally spent a good $5-6 on yogurt per week. Maybe more (okay, probably more).

But no more, my friends!

I have discovered how incredibly EASY and DELICIOUS homemade yogurt can be! Who knew?!?

I used this recipe and followed it to a T, so I won’t rehash all the recipe deets, but I wanted to give some commentary on my experience making my own homemade yogurt for the first time.

The Basics

Okay, so read the recipe, but to give you the gist, you’re going to pour a gallon of milk into a crockpot, heat it up in your crockpot for nearly four hours, then cool down to a specific temperature (which can take another hour), add a yogurt “starter” (you need the live yogurt cultures…this could be store-bought or leftovers from your last homemade batch), then let it sit for up to 12 hours.

Whew! That’s a lot of time!

My Thoughts.

First, you’re going to have to plan ahead to make your own yogurt. I tried for 3 consecutive days to do it, but time got away from me and I ended up having to put it off until the next day (because making it in a crockpot takes HOURS to do). Sure, there are faster ways (like stove-top), but I liked the leave-it-and-forget-it method of the crockpot and I didn’t have a timeline for when I needed the yogurt, so I just pushed it back a couple days until the timing worked out. But just a heads up that it DOES take some pre-planning.

Second, Stephanie mentioned how the “tang” in homemade yogurt might surprise you. I’ve had plain yogurt before, so I wasn’t at all surprised. If anything, I thought my yogurt was less tangy than what I’d expected. As she mentioned, the longer it sits the tangier it gets. I’d left mine for about 10.5 hours, so it would have been tangier if I’d left it longer.

The Taste.

In my opinion (and the reason I’m Never Going Back <<the title of this post), the taste of homemade yogurt is WAY superior to store-bought! OMG, it tasted so decadent and delicious! I could close my eyes and almost have an out-of-body experience, pretending to be in some super swanky brunch spot enjoying a freshly prepared yogurt parfait. Dramatic? Yes. True? Yes!

Plus homemade yogurt costs PENNIES per portion, compared to store-bought yogurt that often costs up to $1+ per portion!

Storage.

You should note that homemade yogurt doesn’t last as long as store-bought yogurt. This makes sense since there are no preservatives (or other icky stuff for that matter). According to google, it can last for up to 2 weeks in your fridge, and 3 months in your freezer. Not too shabby if you consume as much yogurt as we do. Bonus – the frozen homemade yogurt can be thawed OR eaten frozen (duh! Like frozen yogurt!)

I store my yogurt in glass mason jars that I keep in the fridge. If you’re going to freeze it, however, you may want to put it in a plastic container (sure, glass freezes, but I’ve had more than my fair share of “oopsies” after accidentally breaking a frozen glass container)

Fruit Options.

There are a ton of ways to eat yogurt. I’ve used plain yogurt before as a substitute for sour cream in various baking recipes (healthier and cheaper). I also enjoy plain yogurt, but most people probably prefer to add in a little fruit.

I made a strawberry-banana yogurt that was TO DIE FOR (ahem, if I do say so myself *brushes shoulders off*)

All I did was take a very ripe banana and some strawberries and put in a large container. I used a potato smasher to “muddle” the berries and basically worked everything into a pulp. Then I stirred in the yogurt and mixed everything well. It’s important to note that once fruit is muddled like this, it immediately starts to break down (meaning:  decompose). So you cannot do this if you plan on putting it in your fridge for 2 weeks. But, its perfectly fine for a few hours. In fact, allowing the flavors to meld for a few hours is what makes it really taste like HEAVEN! I did this in the morning and then served it as an afternoon snack and it was the perfect amount of time.

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Fruit in the bowl before muddling

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All together now!

You could do this with any of your favorite fruit combinations, or you can always just serve the plain yogurt with whole or sliced fruit, too.

I honestly can’t decide what’s best:  the money I’ll be saving making homemade yogurt from now on, or how good I feel about healthify-ing one of our favorite foods!

Most people already think of yogurt as a pretty healthy food (it can be, though lots of the stuff sold in stores is loaded with sugars and additives), but it really doesn’t get any healthier than making it yourself! I used rBST-free 2% milk when I made mine (you can use any type you like), which I thought was perfect! I’d imagine that whole milk would provide an even richer taste, while skim milk will obviously save you some calories. Since my kiddos are some of the biggest consumers of yogurt, I like to buy 1% or 2% so they can get some of the healthy fats from the milk (and/or yogurt), but you can use whatever you prefer.

Let me know if you try your hand at making homemade yogurt and what you think!

Do you make any “fun” foods homemade? I’ve toyed around with the idea of doing homemade cheese but I’ve been scared of dealing with the rennet. I’ve also thought of doing homemade pasta one day, but it also seems so prep-intensive that I’ve been scared off for now. Maybe one day. : )