Hot Lunch

Cooking at home is a great way to save money even if does mean that your kitchen looks a little like this.

Please sir, may I have some more?

Baking with Dad

Baking treats for friends and family over the holidays is a frugal, albeit time consuming, way to show that you are thinking of them.

The best part of helping dad with this endeavor is that there are usually nummies available to gobble up.

Frugal Girl scores some chocolate chips

Winter Nights

It gets dark by 4:30pm nowadays, so we have to find ways to kill the time inside with the kids. I’ve been teaching Frugal Boy how to play chess. So far we are just going over the basics such as the names of pieces, how they move, how they attack, and when the game ends.  Also, grit. Chess takes a lot of grit because you lose a lot.  Next year he can participate in the school chess program if he desires.

Frugal boy planning a move
A helper paper that shows valid pawn moves and attacks.

The game can be made more interesting for the instructor by handicapping your own starting pieces. Try playing without a queen or any rooks or just king and pawns for a real head scratcher. 

800 Club!

I got a nice little surprise today when I saw that my credit score had broken into the 800s for the first time.  It is mostly meaningless, as anything over 720 or 740 will qualify you for the best lending rates.

Pay your bills on time, don’t use 100% of your available credit, and go enjoy life!

 

screenshot from the Credit Karma mobile app