East Concord

your kids will find lots of ways to have fun without spending money this winter - maybe you'll even build your own igloo! . Save a Fortune on Food Your food budget is the most flexible area of your household budget. Grocery savings will free up a significant amount of money if you need to balance the budget, or fund your savings accounts. Eliminate eating out! Period! - O.K. if you're family is screaming mad at you then take them out at least once a month. Make it an occasion. Your family will appreciate a dinner out much more when it's not such a regular event. Consider it "quality time out". And, remember to look for coupons good at local restaurants for additional savings. Minimize the use of convenience foods. - You can make it yourself for a fraction of the cost, try it! Many of us are so accustomed to convenience foods that we forget we can make it ourselves. You'll find substitute recipes for everything from baking mixes to shake and bake and salad dressing. All it takes is a little extra time. Even if you had to pay yourself for doing the cooking you would come out ahead. Do your homework! - Know what's on sale and plan your menu around the weekly sales flyers. Investing a little extra time in planning will help maximize grocery savings and reduce the food budget! Eat meatless meals at least twice a week. - Beans and rice are a good example. Egg dishes are a nice change in routine for dinner. Try a vegetable stir-fry or casserole. Don't use packaged mixes. - Cake, breads, muffins, pastry, pizza dough, pancake, and waffles all come in a variety of pre-packaged mixes. Make your own for not much more effort and a lot less money! Build your coupon file! - It seems coupons are available everywhere now. Your newspaper is a great starting point. Pay careful attention when looking through magazines. These are easy to miss. I often find coupons in home, ladies, or cooking magazines. . Caring Properly for your Fruit Tree If you have just recently planted a new fruit tree, I think it is safe to assume you are not yet an expert on the subject. More fruit trees die in their beginning years due to poor care habits than any disease or pestilence. Therefore it is vital that

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