Tag Archives: Prudent Living

I was first given the recipe for Morning Glory Muffins from my husband’s grandmother. They were rich and delicious. Morning Glory Muffins are full of all kinds of fruits and vegetables and resulted in a wonderful muffin. This recipe, from King Arthur Flour, is a little healthier using coconut oil and whole wheat but the end result is as equally delicious as I remember!Morning Glory Muffins

Morning Glory Muffins

½ cup raisins
2 Cups Whole Wheat flour
1 cup brown sugar
2 tap baking soda
2 tsp cinnamon
½ tsp ground ginger
½ tsp salt
2 cups peeled and grated carrots
1 large tart apple, cored and grated (I leave the peel on)
½ cup shredded coconut
½ cup chopped walnuts
1/3 cup sunflower seeds (or wheat germ)
3 large eggs
2/3 cup coconut oil, melted
2 tsp vanilla
¼ cup orange juice

Preheat your oven to 375. Lightly grease your muffin tin or line it with muffin papers and spray the insides of the paper with oil.

In a small bowl, cover the raisins with hot water, set them aside to soak.

In a large bowl whisk together the flour, sugar, baking soda, spices and salt.

Stir in the carrots, apple, coconut, nuts and sunflower seeds or wheat germ. In a separate bowl, beat together the eggs, oil, vanilla and orange juice. Add to the flour mixture and stir until evenly moistened. Drain the raisins and stir them in. Divide the batter among the wells of the muffin tin.Morning Glory Muffins Bake 25-30 minutes or until they’re nicely domed and a cake tester inserted in the center of one of the inner muffins comes out clean. Remove from the oven, let cool for 5 minutes in the pan and then remove them to a wire rack to finish cooling.

Morning Glory Muffins

Morning Glory Muffins

These muffins freeze wonderfully.feature-button_zps3bx7qsie

There are many ways to save money. Just search on the Internet and you will find numerous suggestions! Here are ten of the more popular suggestions on ways to save money!10WaystoSaveMoney_SM

  1. First recognize that God owns everything and the blessings we experience come from Him. Part of being a good steward of what we are given is to give back a portion of what He has entrusted to us. Malachi 3:10 is the fist place in the Bible that really directs the tithe: “Bring the whole tithe into the storehouse, so that there my be food in My house.” In the time of the Old Testament, the storehouse was a physical place where the Jews would deliver their offering of grain and animals. Today, the church should serve as the storehouse in God’s economy.Bible
  2. Make saving a habit. Many financial experts feel we should be saving at least 5% and preferably 10% of our income and place it in a liquid savings account. Don’t give up if you can’t save 10% instead just make it a practice to save something. Establishing a saving habit and saving consistently will eventually add up; even if you are only saving $5.00 each pay period. Once savings becomes a habit set your savings goal to maintain an savings account of at least three to six months income. This will prevent you from borrowing when you have an unexpected expense or in case of a period of unemployment.money
  3. If it is available sign up with your workplace’s 402(k) or a similar retirement plan in which your company will contribute matching funds to the plan in your name. Some companies will match 50 cents to the dollar. If this is the case you will get an immediate 50% return on your contributions!
  4. Keep track of your cash spending. Each week decide how much money you want to have in cash and make it last. If at the end of the week you have money left over deposit it into your savings account.bargains, frugal tips, prudent living
  5. Pay off your highest interest rate loans first. If you have more than one credit card take a look at the interest you are paying on the cards. Concentrate on getting that card paid off first. When you have paid it off, use the money you were using to pay off that card and start paying off the next card! After the second one is paid off, apply what was being paid on the first and second to the third highest and so forth.
  6. Pay off Your Car Loan. Interest on you car loan is not tax deductible. Pay it off as soon as possible by rounding up your monthly payment to the nearest hundred and then add as much as you can afford to that amount.Our fixed car
  7. Pay extra on your home mortgage. Once your credit cards are all paid off you can start paying extra on your home mortgage. If you consistently pay $100 extra each month on a $150,000 loan at 6 percent, you will save almost $73,000 in interest and shave more than 7 years off the original loan.
  8. Open an IRA If your company does not offer a 401(k) plan set up an IRA immediately.
  9. Evaluate Your Life Insurance. Check around and see if you can cut your premiums by changing policies.
  10. Stick To A Budget. By establishing a budget and sticking to it you will be accountable for your money. If an expense is not budgeted for you should not be spending the money!saving money, frugal, price book, prudent lviing

Living debt free is God’s plan for us. The blessings of being debt free are amazing. The last thing you want is stress on a marriage due to financial strain. Make it your goal to start saving money regular and make debt free living your top priority!

Several years ago I found this recipe on the blog Mrs Happy Homemaker. Recently I finally had a chance to make some myself! It was really easy and I actually had most of the ingredients on hand. Those that I didn’t I was able to purchase at Mountain Rose Herbs.Homemade Neosporin

 

Ingredients
½ cup coconut oil
½ cup extra virgin olive oil
¼ cup dried comfrey
¼ cup dried calendula
2 oz beeswax
2 Tbsp honey (optional)
10 drops of essential lavender oil (optional)
Small jars or tins (I used small tins)

The recipe makes about one cup and a little goes a long way so find small containers to store it in.

shredding the beeswax

Instructions
In a medium pot combine the coconut oil, olive oil, dried comfrey and the dried calendula. Cook on low heat, stirring occasionally for 20 minutes. Strain the herbs from the oil using a coffee filter or some cheesecloth. Discard the herbs. Be warned the oil is VERY hot and if you pour it into a plastic coffee filter it will melt the filter and you will have to start over!ingredients

Wipe any remaining herbs from the pot you’ve used so the pot is clean and add the oil back to the pot. Turn the heat to medium and stir in the honey until completely combined. Then, add the beeswax stirring until completely melted. Mix in the lavender essential oil.

Carefully pour the mixture into your containers. Stir is occasionally while it cools to ensure even settling. Once the mixture is set seal the containers.homemade Neosporin

Mrs Happy Homemaker says this works for all minor cuts, scrapes and minor burns. It also works well on diaper rash and eczema. I would deftly encourage you to use the honey as honey has remarkable healing powers! My husband scraped his hand right after my mixture had cooled. He used some on his scrape and it really helped! I have enough small tins to carry one in my purse, the car, in our backpack when hiking! Plenty to go around!Homemade Neosporin

(note: if you have a serious injury such as broken bones or severed fingers or other extreme injuries go to the hospital to be treated)

 

A few years ago I took part in a Raw Dairy Processing Class, the description of the class intrigued me, “Learn how to make delicious soft cheeses, yogurt and butter in your own kitchen! Get acquainted with using butter molds and adding herbs, or other flavors to your final product. With simple instruction and good quality raw milk, it is an easy and exciting activity adding delicious artisanal treats for any occasion.” The class was held on a farm where they raised cows, heritage turkeys, pigs and had large gardens. The house was off the grid yet you never would have known.

Not only was the class a lot of fun but I learned that making yogurt is so easy! I always thought you needed special equipment. Other than the culture you don’t need any special equipment and the yogurt you can make at home is so tasty! Freshly made yogurt really does taste better than store bought. I purchased my yogurt culture from www.cheesemaking.com. You do not need to use raw milk to make yogurt, you just do not want to use the ultra high pasteurized milk.

homemade yogurt

Only two ingredients needed.

Here are the simple directions. Pour ½ gallon of cold milk into a heavy stainless pot for heating. Heat the milk to 185 degrees and then hold it there for 10-20 minutes.

temperature, yogurt, prudent living

Hold the mixture at 185 degrees.

This will prepare the whey proteins, which are largely responsible for the thickening of the yogurt body. Set the milk pot directly on the burner and begin heating with careful stirring to prevent the scorching of the milk. Cool the milk as quickly as possible to your target temperature for inoculating the yogurt (116 degrees F).

yogurt making, prudent living

Cool to 116 degrees F

When the milk reaches the proper temperature for inoculation, it is time to add the direct set yogurt culture. The culture will be a mix of Streptococcus thermophiles and Lactobacillus bulgaricus plus and probiotic additions the culture may contain.

Incubate the cultured milk for the required time. This can be done easily by pouring your cultured milk into containers and placing those containers inside an insulated cooler.

making yogurt, yogurt, prudent living

Cultured milk in cooler, water up to lids

Pour warm water (116 degrees F) into the cooler so that your container lids are just an inch or so above the water line. This “water bath” will maintain the temperature so that the appropriate bacteria will thrive and populate. The time of incubation is about 8-10 hours for most yogurt cultures. Place the yogurt in the refrigerator when the incubation is complete.

I inoculated my milk, poured it into glass jars and placed them into my cooler. I added the warm water, put the lid on the cooler and let it sit on the counter for 10 hours. Before going to bed I placed the yogurt in the fridge. In the morning I had two containers of plain yogurt ready to enjoy! I have always preferred flavored yogurt but I find this yogurt to be delicious. If you want, feel free to add fruit to flavor it yourself.

yogurt, homemade

Finished product.

As the harvest season dies down an we get ready to head into fall one of the sauces I love to make is Roasted Tomato Sauce. We use it on our pizzas and it is a great way to use up the variety of tomatoes still coming in from the garden.

tomatoes, sauce

End of the season tomatoes.

It’s a simple recipe. The recipe calls for 4 pounds of tomatoes, and I have to admit I just cut up enough tomatoes to fill my 11×14 pan. Remove the core from the tomato and chop them up. You can use any type from Roma to cherry tomatoes.

To the cut up tomatoes add one coarsely chopped onion, ¼ cup of fresh herbs of choice or a smaller amount of dried herbs. I’ve been adding a mixture of dried Italian herbs to the tomatoes. I also add 3 large garlic cloves, chopped. To the mixture add 1/8 cup of olive oil and salt and pepper to taste. Stir the whole mixture and place it in a preheated 450 degree oven. Roast for 70 minutes without opening the oven door.

pizza sauce, prudent pantry

Cooked tomato mixture

Remove from the oven, let cool and run through a food mill.

sauce, tomatoes, prudent living

Food mill

Sometimes I cook the sauce down to thicken it.

prudent pantry, prudent living

Roasted Tomato Sauce

This recipe I do not can, instead I place 2 cups of sauce in freezer containers and it is ready for our homemade pizza! 2 cups is just enough for 2 pizzas.

pizza, tomato sauce

Homemade pizza with homemade sauce!

If you are like me you have an abundance of fresh herbs in your garden, perhaps more than you can use. What do you do with the surplus? I do what gardeners and cooks have been doing for years – dry the surplus!

Oregano

Oregano

By drying my herbs now I can store them and use them later on. The process of drying herbs is very simple; you can just toss the cuttings on a paper towel and leave them there to dry out. Just remember to check on them.

Herbs just need the slightest rinsing, unless they are covered with dirt or have been sprayed with something.

Find a spot indoors, that is warm and dry and has good air circulation to dry your herbs. I use a closet in our laundry room.

For larger quantities of herbs, bundle the sprigs together and tie with twine. Then hang them upside down to dry.

Tie the stems together.

Tie the stems together.

Leave everything undisturbed until the herbs are dry, which may only take a few days or may take longer. Once the herbs are dry strip the leaves from the stems. You can leave them whole or crush them. Left whole they retain their flavor better but crushed they take up less space. Your choice.

Drying the herbs in a dark, dry place.

Drying the herbs in a dark, dry place.

Store in a glass container with a tight fitting lid and keep away from heat and direct sunlight. Be sure to label your jars. Now you have a fresh supply of dried herbs to get you through the winter!

Label your jars!

Label your jars!

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