Is Home Brewing Cost Beneficial?

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I decided to brew an Oktoberfest today because the forecast high temperature for the foreseeable future here has dropped to below 60 degrees.  I can lager the beer in the garage.  The ideal temperature for a primary fermentation for a lager is between 53 and 59 degrees.  The ideal temperature for a secondary fermentation is 35 to 42 degrees.  I want to do a lager without buying additional brewing equipment. Continue reading Is Home Brewing Cost Beneficial?

The Advantages of a Per Diem Food Budget

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My employers have used a per diem system for reimbursement for meals for travel.  I decided to use that system at home. Continue reading The Advantages of a Per Diem Food Budget

Is Couponing Worth the Effort?

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We regularly get Red Plum and Smart Source coupons in our Sunday newspaper. We don’t use coupons much.  We tend to buy house brands.  We’re in a small city and don’t get as many coupons in these inserts as they do in a larger city.  We tried buying the Sunday paper from a nearby major city to get the coupons.  We found more deals, but the paper cost more than what we were saving.  Most of the coupons we get in our inserts aren’t for food products. Continue reading Is Couponing Worth the Effort?

Saving on Food by Stocking Up or Avoiding Brand Names

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In my undergraduate marketing class, we talked about how to try to get consumers to have brand insistence, or, at least, brand loyalty.  In my capstone class for my MBA, the professor said that it wasn’t quality that mattered, but perception of quality.  The marketers are out to get you by having you pay more for a brand than you would otherwise for a product. Continue reading Saving on Food by Stocking Up or Avoiding Brand Names

Going Out Too Much to Eat? Stop It!

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The average American household spends 5.2% of its income on meals out, according to the recently released Bureau of Labor Statistics Consumer Expenditures Survey.  That is 41% of their total food spending, which averages 12.6% of income. Continue reading Going Out Too Much to Eat? Stop It!

Setting and Following a Food Budget

image (2)The USDA has put together four food plans at different budget levels: thrifty, low-cost, moderate-cost, and liberal.  Age, gender, and the number of family members all effect the recommended food budget. Continue reading Setting and Following a Food Budget