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What's New?

In this Issue:

Recipes
Pizza
Homestyle Hamburger Helper
Chicken and Rice Casserole w/cheese

Money saving tips

• Grocery Savings Tips
• Recycling Tips
• Cleaning and Laundry Tips

I'd like to live as a poor man with lots of money. - Pablo Picasso

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Featured Articles

Your "Get me out of debt!" solution
- by Cheryl Johnson

After the holidays, we often reflect on the increases in debt and wonder "How will I ever get rid of debt?" Now is the time of year that many will be screaming "Help, get me out of debt!" If this sounds like you, you may have what I call debtor's disease. You've been injected with the financially devastating virus by credit card companies, sneaky marketing campaigns, societies expectations ,and, yes, even your own self justification.

The holidays, in particular, have a way of fueling the affliction and encouraging us to throw caution to the wind.

Tis the season for:

• Uncontrollable spending
• Increasing your credit limits
• Maxing out your credit cards
• Applying for new credit
• Buy now, pay later attitudes

It's no wonder by the beginning of the New Year we're scratching our heads (how did I spend so much?) as we calculate the numbers. But, simply screaming "help, get me out of debt" will not get rid of debt! You have to decide you've had enough and that you are ready to take back control of your money.

• Have the recent buying sprees pushed you to your limit?
• Are you tired of playing catch up and never making it to first place?
• Are you ready to stop investing in credit card companies and start investing in yourself?
• Are you ready take control of your money and make a plan for successful debt free living?

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Only you can know if you've had enough. There comes a point when anyone depending on credit cards to make it through life gets tired of living paycheck to paycheck and losing sleep over financial worries. Consider this, wouldn't it be nice to be debt free?

Imagine the burden lifted off your shoulders, your mind clear of financial worry, and clearly seeing your way to financial independence. It is a dream that many people in today's debt ridden society long to make come true. Your dreams of financial independence and security can be a reality because..........

The only effective way to lower and get rid of debt forever is to combine personal finance strategies that encourage debt free living. You may have heard them before. That's because they work! Each individually will help you on your way, but it will take a combination of debt free living strategies to successfully lower and get rid of debt forever.

Of course, these strategies may require change. Change in your habits, your lifestyle, your plans and goals. It may even require a change in perspective! A powerful tool for success. Combining budgeting, debt management and frugal living results in a powerful and successful plan to get rid of debt. Are You Ready for Your "Get me out of debt" Solution?

But just because you're keeping a good eye on the budget, that doesn't mean you have to go without. 'Tis certainly the season to barter for you or your family's needs. Most small businesses slow down this time of year and owners may be willing to barter for your professional services.

Reciprocal bartering doesn't necessarily have to be of equal value either. The one who provides the lesser value can have the difference paid in cash, still saving a substantial amount. A successful barter can also open up a new business relationship for future trades, saving you even more in the long run.

So while your using your gifts from under the tree, don't forget to use the other gifts you have as well...your skills and your imagination.

Barb Di Renzo is the Co-Owner and Editor of http://www.u-exchange.com A worldwide barter website dedicated in providing consumers and business owners a variety of ways to barter services and goods at no cost. She is also the author of Barter 101, an informative guide for people who are new to bartering online.

Recipes

Mix yeast and water. When dissolved - add flour and salt. Knead dough 10-12 times. let rise for 1 hour. Break dough into three parts. Spread each on an ungreased pan. Let rise 10 minutes.

Sauce:
3 - 8 oz. cans tomato sauce
3 - 6 oz. cans tomato paste
1/2 teaspoon oregano
1/2 teaspoon garlic powder
1/4 teaspoon pepper
2 Tablespoons Parmesan cheese
1 teaspoon. Worcestershire sauce

Mix all ingredients together. Bring to a boil - simmer for at least 10 minutes. Spread on dough.

Toppings:
Finish pizzas by topping with 1 1/2 lb. Mozzarella cheese and your favorite toppings (pepperoni, sausage, ground beef, pepper, ham, pineapple, green peppers, mushrooms, anchovies, etc.)
Bake 425 degree F. oven 10-15 minutes.

2 cans Condensed Cream of Chicken Soup
2 & 1/2 cups water
1 & 3/4 cup uncooked regular long-grain white rice
1 teaspoon onion powder
1/2 teaspoon ground black pepper
4-6 cups cooked chicken (white or dark) cut into bite size pieces (I use 2-3 large chicken breast, cooked, removed from bone, and cut into pieces)
1-2 cups of your favorite cheese, shredded (I use cheddar)

Directions:

Mix the soup, water, onion powder, and black pepper in a large bowl, until mixed well. Stir in rice and chicken. Pour into a large shallow baking dish or pan (I use a 13x9x2 casserole dish). Cover. Bake at 375 degrees F. for 50-55 minutes or until rice is tender. Uncover, sprinkle cheese evenly over top of casserole and continue cooking until cheese is melted.

Serves 4
Brown in a skillet:
3/4 lb. ground beef
1 teaspoon salt
1/2 teaspoon pepper

Add:
1 Tablespoon finely chopped onion
1 stalk chopped celery
1/4 cup frozen or canned peas
2/3 cup fresh or canned tomatoes, chopped

While beef is browning, cook in salted water:
1 cup crinkly noodles (curly egg noodle type)
Drain noodles and spread over meat mixture.

Sprinkle over all:
1/2-3/4 cup shredded cheese
OR 1/3 cup grated Parmesan cheese

Simmer uncovered 15 minutes to blend flavors. Serve from skillet.- from

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