8 Reasons to Eat Breakfast

Children who eat breakfast perform better on standardized achievement tests and have fewer behavior problems in school.

1. A Harvard University/Massachusetts General Hospital study of children in Philadelphia and Baltimore schools discovered that students who usually ate school breakfast had improved math grades, reduced hyperactivity, decreased absence and tardy rates, and improved psycho-social behaviors compared with children who rarely ate school breakfast. (Pediatrics, January, 1998; Journal of the American Academy of Child and Adolescent Psychiatry, February, 1998)

2. Tufts University, in published statement on the link between nutrition and cognitive development in children, recognized that "Children who participated in the School Breakfast Program were shown to have significantly higher standardized achievement test scores than eligible non-participants."

3. Eating breakfast has an advantageous effect on late-morning mood, satiety and cognitive performance.

4. "Eating breakfast of any kind prevent(s) many of the adverse effects of fasting," such as irritability and fatigue, according to Bonnie Spring, Ph.D. , University of Health Sciences/Chicago Medical School.

5. "Breakfast can establish the tone for the next 16 hours (of each day after eating it). Why not treat yourself to a nice meal and a quality hour to collect yourself and focus on what's important?" (Ask Mr Breakfast, Where does the word "breakfast" come from?)

6. Eating breakfast keeps you thin.

7. Researchers from the National Weight Control Registry, a database of more than 3,000 people who have lost at least 60 pounds and kept it off for an average of 6 years, found that eating breakfast every day was a weight control strategy for 78% of the people in the registry. People who kept off weight long-term also reported eating a low-fat diet and exercising for an hour or more each day.

8. Breakfast is delicious.

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• First lady talks obesity with school nutritionists (seattletimes.nwsource.com)

Grandma Naomi Chicken Pot Pie

chicken Pot Pie

serves 8 Grandma Naomi

2 cups shredded chicken cooked
1 can cream of chicken soup
1 can cream of mushroom soup
2 9 1/2-ounce boxes frozen mixed vegetables
2 refrigerator pie shells


DIRECTIONS
1.In large boiler add all ingredients, heat until bubbling.
2. Pour mixture into pie shell, and cover with the second crust. Crimp the edges, and make slits in the top crust.
3.Bake at 375 degrees F (190 degrees C) for 30 to 45 minutes, or until crust is golden brown.












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Saving Your Family Money On Gas

The Average American drives approximately 12,500 miles per year, the average vehicle on the road even today gets only approximately 17 miles per gallon. The Average price per gallon is approximately as of today $2.74 per gallon.

So just do the math. The average person spends approximately $2,014.69 on fuel costs per year. WOW!!!

So what if the average American driver cut just 12 % out by car pooling, scheduling trips, walking, biking, taking the bus. That is only 1500 miles per year or only 125 miles per month or 4.16 miles per day. It would save the average American approximately $ 241.77 in fuel costs alone. Not to mention another oil change, more tire wear, more engine wear, insurance.

What if the average American cut out 20% of their miles driven. That would mean 2500 miles per year saved, 208.33 miles per month and 6.9 miles per day. Which would mean a savings of $403.88 per year in fuel costs alone. Not to mention tire, oil change, insurance and maintenance on your vehicle.

And the granddaddy of all savings besides your hard earned green stuff. THE ENVIRONMENT.

Look for my book Save Your Money Save Your Family in book stores Spring 2010
www.saveyourmoneysaveyourfamily.com

Saving Your Family Money During the winter Months

There are several ways to Save Your Family Money.

During the winter months we want to crank up the heat. But when we do the dollars and I mean dollars fly out the door.

First spend some time and very little of the green stuff on winterizing your home.
Fix that drippy faucet.

Stop the air leaks around windows and doors.

Drop the temp. from 150 degrees to 120 degrees on your hot water heater could save your family as much as 12 % per year in heating costs.

Teach jr. to turn off lights and electronics when a room or electronic gadget is not being used.

Insulate your attic and walls.

Turn off your sprinkler system. It amazes me how many people forget to turn off their automatic sprinkler system during the winter. In many places in the country it will freeze. Then is must thaw out. And what an expensive wet mess to clean up and repair.

Disconnect your water hoses from the outside faucets. Drain the water out of the hose, coil up the hose and stow it inside the garage or someplace out of the weather.

Wrap the outside faucets with some type of insulation to keep it from freezing.

I personally us plastic bags, newspaper, dry old towels and duct tape, wrap it tight so no air can get in.

Take the time to do it now. Or you can deal with the mess later.

Soup for the Cold Winter Days yum! yum!

Hearty Vegetable Beef Barley Soup

serves 10: cooking time 60 -90 minutes

1 pound cut up or shredded roast beef left overs
1 minced garlic clove
1 12-ounce can undrained whole tomatoes unsalted cut into pieces
1/2 cup sliced celery
2 beef bouillon cubes
1 bay leaf
1/2 cup chopped white onions
7 cups water
1/2 cup medium barley uncooked
1 10 1/2-ounce can beef broth
1/2 cup sliced carrots
1/2 teaspoon crushed dried basil
1 9-ounce package frozen mixed vegetables
Vegetable oil


In a 4 quart saucepan or Dutch oven use enough oil to sauté onion add garlic and meat sauté until onion is tender. Stir in Remaining ingredients except frozen vegetables. Cover bring to a boil. Reduce heat; simmer 60 - 90 minutes , stirring occasionally. Add frozen vegetables; cook about 10 - 15 minutes or until vegetables are tender. Additional water may be added if soup becomes too thick upon standing.
Serves approximately 10.
You can also use this recipe in slow cooker. Medium heat 4-6 hours.

I was recently asked by a college student how she could spend $20.00 per week on groceries

I was recently asked by a college student how she could eat 3 meals a day 7 days a week on $20.00 and eat semi healthy. Well now let me tell ya that was a challenge. And I actually did not do it, she had to purchase some items in bulk that should last her 2 weeks. 21.75 is what I came up with per week. A large jar of off brand peanut butter $4.50 from Wal Mart or the dollar store, 3 lb bag of apples, $2.50, These 2 items had to last 2 weeks.

peanut butter 4.50/2 weeks
3 lb bag apples 2.50 /2 weeks
dozen eggs 1.65
jelly dollar store large jar 1.85 and it is as good as Welch's
pan cake mix dollar store 1.65
top romain 3/1.00
roast or chicken to bake one or the other $5.00 on sale
bag of frozen vet. mixed California style 2.50 Wal Mart
Syrup large bottle off brand 1.85
2 loaves of bread 2.25
1 small onion .50 only if you have the roast.
or 1 lemon .50 to slice and put in her water.

I told her about how to use top roman noodles, to use the noodles as your starch and put other stuff on top. And she could use the season packets to flavor her other meals, like soups, or chicken or roast.

I also suggested to her to buy a package of mint seeds, plant them and grow her mint to put into her water.


Then we sat down with the Phoenix Sunday paper found all the specials, clipped out the coupons she could use for the next couple of weeks and we went shopping.

We went to Safeway, Fry's, Wal Mart and the Dollar General Store. I had her fill out the application for Safeway and Fry's dollar value card.

With her coupons and the dollar value cards, Wal Mart and Dollar General Store and I even found her a Holsum Day Old Bread Store. When our shopping was done we spent $33.17 including tax I might add. The only thing she needs for the following week would be nothing. Except maybe some fresh fruit or something to drink besides water. We bought a roast and a roasting chicken. From the bread store wheat bread and cinnamon rolls. They fit perfectly in the freezer in her apartment.

I was even surprised at myself. I thought I would share it with you.







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Do You Know What the average American Family Spends on Eating Out

Food is one big area where many families could be more thrifty. Families spend an average of $2,434 on food away from home, according to the Consumer Expenditure Survey from the U.S. Bureau of Labor Statistics. If you (and your spouse and your children) eat lunch out every day of the week then try brown bagging at least one of those days. If just one of you does it you may save up to $400 a year and if you can double or triple that savings you could finance a family vacation with it.

Simple, inexpensive and healthy lunches.

Lunch should be only about 400 calories. Buy large bags of pretzels, rice cereal, a large jar of peanuts, celery sticks, carrots, large bag of apples, a large jar of peanut butter, couple of favorite jellies or jams, a large block of cheese, a large box of crackers.

Pack my Cranberry Date Breakfast Bars or Peanut Butter Granola Bars.

A lunch maybe a peanut butter and jelly sandwich, a small bag of pretzels, and some apple wedges, sprinkle with a lemon juice, cinnamon sugar to keep them from turning brown. A healthier yummy lunch. Or pack a mixture of rice cereal, pretzels, peanuts mix with Worcestershire sauce, add some garlic salt if desired warm in oven 350 degrees for 10 min. cool and divided into bags for a great lunch snack. Pack a Peanut Butter Granola Bar and slice the block cheese into thin sliced cubes and crackers.

Lunch can be a great way to include younger children in letting them help prepare their lunch the night before.

10 Simple Steps to Save Money

Saving Money has always been something we American's should do. No Matter What.
And now it is more important than ever.


1. Make a list of all your expenses:

Which includes, utilities, house payment, car payment, rent, property taxes, insurance on your house, autos, medical insurance, donations, entertainment, golfing, clothes, etc. I mean everything.

Put the list in 2 categories: Name the first category Needs: Name the other category wants/pleasures and be honest.

An example of a need is housing and transportation, an example of a want/pleasure is golfing 3 days a week and a cappuccino every day.

2. Make a budget and stick to it. Take the 2 list from above and apply a dollar amount to each item. Look at what you are actually spending for each and take a look at your income.

3. Stop buying on credit: credit cards, auto loans, pay day loans are the worst.

4. Eliminate debt first: stop paying late fees. And do not incurre more debt. Once debt is paid it will free up more of your money.

5. Trim your expenses: this is much easier than you think:

Take the 2 list from above: Start with the wants/pleasure list first. I am not saying completely cut everything out but take a look at it and cut 30% of the cost out. Still enjoy life find different ways that are less expensive to do the same things you enjoy. If you must golf go the a least expensive course. And for your favorite drink make it at home most of the time and buy it out only 1 per week.

Then take list 1 from above: Your needs are different but those expenses can be cut as well. If your house payment, rent, car payment is more than it should be, sale the house, rent out a room to help with expenses, find a less expensive place to rent, trade in that auto for something less expensive and do not buy another car until this one is paid off. A car payment is like flushing your money down the toilet. Most cars today will last 10 years with just the normal maintenance.

Then look at your food budget. Or make a food budget. Stop spending for fast food and eating out all the time. Cook at home. My book Save Your Money Save Your Family will be in book stores soon. You really can feed a family of 4 for $250.00 per month with a little planning and cooking more at home. Make it a family affair. And by doing this you will be eating much healthier.

6. Always record your expenses: As soon as you use that debit card. (Which is another great way for consumers to loose track of their finances and for banks to capitalize on making more money) write down the purchase immediately, you know as well as I do we loose that little pieces of paper that are called receipts for the transaction. And do not use a credit card.

7. Always know where your money is to the penny: With online excess today for your bank account, there is no reason for you not knowing where every penny is. And you should never overdraft your account. You are only making the bank money. And killing your cash flow and credit.

8. Set a time frame for you and your family: This will help you to meet your goals in a realistic manner.

9. Pay yourself first: Take 10% of your check each time you are paid and put it in the bank. Include it as one of your needs items. And once it is in the savings DO NOT TAKE IT OUT. CUT SOMEWHERE ELSE. Remember it is your money, you worked for it, you should have some of it for your tomorrows, and no one else is going to help you save your money, only you and your family.

10. SAVING MONEY IS YOUR GOAL: Follow the steps above and you will be successful. YOU CAN DO THIS!!!! STAY FOCUSED, KEEP THE OBJECTIVE ALWAYS IN MIND, HOW GREAT IT WOULD BE TO HAVE YOUR HOME PAID FOR COMPLETELY IN A SHORT FEW YEARS OR TO PAY CASH FOR YOUR NEXT CAR.

SPENDING TIME WITH YOUR FAMILY IS MORE IMPORTANT THAN EVER

With the economic down turn, more and more families are feeling the pain of the economic crunch.
families are having to cope with the job loss of one or both parents. Families are having to re-evaluate everything in their every day lives:
from where they eat, how they shop for food, which grocery stores to buy grocery from, how, when, where and how much
their budgets will allow them to spend on everyday necessitates. Even family trips, vacations, eating out, movies are a luxury for many families in today's world.

I have a few suggestion on how to help you and your family cope. Just because things are hard and I know they are hard. It does not mean that you and your family should not or can not enjoy
each others company, companionship,and re-bonding.

1. Set aside a time, day or night. That is family time: for you to cook together, have something for each family member to do.
2. Have each person write down what each one would like to do on a family night. You may have each person have a family night each week.
for example. Big brother chooses to have homemade pizza and movie night on his week. And little sister chooses to have home made chicken tacos and a Mexican party on her week.
3. Also there are several board games that are very and I am going to say cheap because they are cheap, for you to purchase and play with your family.

We can get through this one day at a time. I encourage you to take a step back and appreciate what you have. The most important asset you have is each other period.