Friday, February 28, 2014

5 Tips to Go Gluten-Free on a Budget and more...

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:: 5 Tips to Go Gluten-Free on a Budget

gluten free on a budget

Guest post from Jenn of Building Mommy Muscles

Our family has been gluten-free now for almost two years, due to gluten sensitivity in several members of our family.

When we first made the switch, it was confusing, overwhelming and expensive! But along the way, I have learned some tricks for keeping the gluten-free budget under control.

1. Avoid Gluten-Free Replacement Foods

Gluten-free specialty items can be extremely expensive, and they are what killed our grocery budget when we first changed our diet.

If you find a great sale on gluten-free bread or pasta, stock up. Otherwise, don’t buy it. $6 for a tiny loaf of bread just isn’t worth it in my opinion!

2. Keep the Cooking Simple

Don’t go crazy trying to make all of the amazing gluten free recipes you see on Pinterest that require seven different specialty flours. Stick to cooking things you know and expand from there.

3. Make Mexican and Asian Recipes

Mexican and Asian foods are often naturally gluten-free. Fajitas, quesadillas, and enchiladas can all be made using corn tortillas, which are very affordable and are gluten-free. Many Asian recipes use rice, which is also a gluten-free food.

4. Use Fruits and Veggies as Snacks

Not only are fruits and veggies healthy snacks, they are also gluten-free and affordable. Instead of buying overpriced and likely unhealthy gluten-free snacks, stick with fresh food. Your health and your wallet will thank you!

5. Buy Pre-Mixed Flour for Baking

Many gluten-free recipes call for several specialty flours. I recommend that you purchase one all-purpose flour that is pre-mixed and already includes xanthan gum. This will save you time, money and hassle. My favorite brands are Pamela’s and Namaste.

Going gluten-free does not have to be expensive! I hope these tips are helpful to anyone who is looking to make the change to gluten-free living.

What are your best tips to go gluten-free on a budget?

Jenn is a wife and mother to three permanent kids and many temporary ones that have come and gone through foster care. She is a gluten free, homeschooling, adoptive mama who blogs at Building Mommy Muscles.

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:: How to Make the Shift From Two Incomes to One

How to Switch from Two Incomes to One

I work full-time and have a small child. My husband and I are thinking of taking a couple of months to live off of one salary, using the second salary to pay off debt, in the hopes to see if we can actually swing living off of one income. This is so exciting and something we have wanted for a long time. Do you have any tips for how to go from two incomes to one? -Jamie

How exciting, Jamie! Here are some thoughts I had:

Get on the Same Page With Your Spouse

If you and your husband are not on the same page financially, it's going to be hard to really get much traction or to achieve your goal of successfully going from two incomes to one. So before you even attempt to make the transition, sit down and talk openly about where you are financially and where you want to go.

Don't nag and drag your husband to go along with your plan; put your heads together and find a solution that is a win-win for both of you. This will most likely involve some give and take and compromise, but it will be so worth it.

Make a Game Plan

Once you're on the same page, dream together about where you want to be a year from now and five years from now. I think your idea to live on one income for a period of time is fantastic!

Think realistically about what sacrifices and lifestyle changes will need to be made in order to make living on one income a possibility. If your plan is to be able to live on one income by this time next year, look at your budget, figure out what you need to cut, and how much you need to save and increase your income in order to make it happen. Having a specific number that you need to save each month will help motivate you to find creative ways to lower your spending and increase your income.

Create and Stick With a Budget

The best thing you can do for your family right now is to get on a written budget. Many times, people don't have an income problem, they have a spending problem.

Before trying to significantly cut your income, make sure you are being very intentional in how you spend your money and know exactly what you need to make in order to survive. I highly recommend getting a copy of The Total Money Makeover by Dave Ramsey from your library. If you can afford it, I also heartily suggest looking into going through Financial Peace University.

Both of these resources will walk you through how to set up a budget and how to stick with it. And Dave will motivate you and inspire you to dream big, work hard, and get your finances in amazing shape.

Pay Off Your Debt

Make paying off your debt one of your top priorities right now. This will probably mean some significant sacrifices in the short-term — working more hours and living on as little as possible — but the long-term benefits will be amazing.

Figure out how much you have left to pay off, set a realistic time frame for paying it off, and then divide the amount by the time frame to come up with the specific number you need to be paying off each month and week in order to hit your goal. When you break your goals down into bite-sized pieces like this, it makes them much more doable. And it also will motivate you to keep making short-term sacrifices for the long-term benefits.

What advice and suggestions do the rest of you have for Jamie?

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The post How to Make the Shift From Two Incomes to One appeared first on Money Saving Mom®.

    

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