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	<title>Comments on: A report on my goals.</title>
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	<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/</link>
	<description>cheerfully living on less</description>
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		<title>By: Carol</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1655</link>
		<dc:creator>Carol</dc:creator>
		<pubDate>Wed, 04 Feb 2009 20:58:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1655</guid>
		<description>Hi Kristen,
Just a suggestion - if you want to set aside to cover your taxes, I suggest that you pull a copy of Circular E from the IRS website www.irs.gov (I always assume you&#039;re in the US).  That way you can calculate what would have been withheld if you were an employee.  Don&#039;t forget the 15.3% for both sides of SS and Medicare. Heavy sigh.  Take care!

BTW, I love your breadmaking lessons!</description>
		<content:encoded><![CDATA[<p>Hi Kristen,<br />
Just a suggestion &#8211; if you want to set aside to cover your taxes, I suggest that you pull a copy of Circular E from the IRS website <a href="http://www.irs.gov" rel="nofollow">http://www.irs.gov</a> (I always assume you&#8217;re in the US).  That way you can calculate what would have been withheld if you were an employee.  Don&#8217;t forget the 15.3% for both sides of SS and Medicare. Heavy sigh.  Take care!</p>
<p>BTW, I love your breadmaking lessons!</p>
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		<title>By: Kristen</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1646</link>
		<dc:creator>Kristen</dc:creator>
		<pubDate>Tue, 03 Feb 2009 20:51:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1646</guid>
		<description>Oh yeah...eggs are another cheap food my husband doesn&#039;t like.  Sigh.  lol  I really am going to keep him anyhow.  

The fruit is a good idea for the summer...thanks!  We all love fruit.  I make muffins sometimes, if I remember to mix things up the night before.

I hardly ever make pancakes for breakfast, although I might consider doing that.  The butter/syrup mess on the younger two is off-putting to me, but perhaps that will get better as they age a bit.  lol</description>
		<content:encoded><![CDATA[<p>Oh yeah&#8230;eggs are another cheap food my husband doesn&#8217;t like.  Sigh.  lol  I really am going to keep him anyhow.  </p>
<p>The fruit is a good idea for the summer&#8230;thanks!  We all love fruit.  I make muffins sometimes, if I remember to mix things up the night before.</p>
<p>I hardly ever make pancakes for breakfast, although I might consider doing that.  The butter/syrup mess on the younger two is off-putting to me, but perhaps that will get better as they age a bit.  lol</p>
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		<title>By: Allie</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1645</link>
		<dc:creator>Allie</dc:creator>
		<pubDate>Tue, 03 Feb 2009 20:46:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1645</guid>
		<description>Wow, you are making awesome progress! And I hear you on the self-employment tax. They&#039;re brutal.

For other breakfast ideas (I can&#039;t deal w/ the texture of oatmeal, though I wish I could!): 

- scones w/ homemade jams and/or curd. I&#039;m really into this recipe right now, though I use dried bergamot orange peel instead of fresh lemon: http://smittenkitchen.com/2008/11/meyer-lemon-and-fresh-cranberry-scones/
- biscuits and gravy (plus if you do the gravy for another meal, at least you&#039;ll have a use for it later so you don&#039;t have to chuck it later on down the road)
- For warmer weather, I love making a huge container of fruit salad (sometimes w/ a bit of mint, honey and sweeter vinegar dressing) and eating it for breakfast. The upside is it goes well w/ other breakfast items if you want more than just fruit
- Massive, family-sized omelets. These are great because you make it once, then cut slices for everyone
- Frittatas w/ leftover pasta or whatever else, and a lot of eggs.
- Quiche (bacon and potato w/ cheddar quiche?). Upside of this is you can make it the day before.
- matzo brei (I use matzo for this, though you could use saltines to make it cheaper) - mix up eggs and wetted-then-drained matzo (I do 2 matzo per egg), spices, and fry in butter or oil
- Bran muffins. This recipe is a LOT of bran, but they&#039;re really tasty: http://www.muffinrecipes.net/bran-muffins.html
- And of course, pancakes. These I sometimes make ahead, freeze, and reheat in the toaster. Kind of like the Egg-O&#039;s ones. But not lately, because my pancake mojo has disappeared and now I am incapable of making a pancake come out right.
- Crepes, too. These also you can make ahead, freeze then reheat. Add fruit, cream cheese, or whatever you like.
- Ooo, I almost forgot about surprise eggs. Slice of bread w/ the middle torn out. Butter one side, put in the frying pan, crack an egg into the hole in the center of the bread slice, fry. Flip at some point and finish frying. These are awesome. We used to eat them a lot when I was little.
- Homemade breakfast jacks. Fried egg, slice of cheese, thin slice of sandwich ham on a bun (or bread).</description>
		<content:encoded><![CDATA[<p>Wow, you are making awesome progress! And I hear you on the self-employment tax. They&#8217;re brutal.</p>
<p>For other breakfast ideas (I can&#8217;t deal w/ the texture of oatmeal, though I wish I could!): </p>
<p>- scones w/ homemade jams and/or curd. I&#8217;m really into this recipe right now, though I use dried bergamot orange peel instead of fresh lemon: <a href="http://smittenkitchen.com/2008/11/meyer-lemon-and-fresh-cranberry-scones/" rel="nofollow">http://smittenkitchen.com/2008/11/meyer-lemon-and-fresh-cranberry-scones/</a><br />
- biscuits and gravy (plus if you do the gravy for another meal, at least you&#8217;ll have a use for it later so you don&#8217;t have to chuck it later on down the road)<br />
- For warmer weather, I love making a huge container of fruit salad (sometimes w/ a bit of mint, honey and sweeter vinegar dressing) and eating it for breakfast. The upside is it goes well w/ other breakfast items if you want more than just fruit<br />
- Massive, family-sized omelets. These are great because you make it once, then cut slices for everyone<br />
- Frittatas w/ leftover pasta or whatever else, and a lot of eggs.<br />
- Quiche (bacon and potato w/ cheddar quiche?). Upside of this is you can make it the day before.<br />
- matzo brei (I use matzo for this, though you could use saltines to make it cheaper) &#8211; mix up eggs and wetted-then-drained matzo (I do 2 matzo per egg), spices, and fry in butter or oil<br />
- Bran muffins. This recipe is a LOT of bran, but they&#8217;re really tasty: <a href="http://www.muffinrecipes.net/bran-muffins.html" rel="nofollow">http://www.muffinrecipes.net/bran-muffins.html</a><br />
- And of course, pancakes. These I sometimes make ahead, freeze, and reheat in the toaster. Kind of like the Egg-O&#8217;s ones. But not lately, because my pancake mojo has disappeared and now I am incapable of making a pancake come out right.<br />
- Crepes, too. These also you can make ahead, freeze then reheat. Add fruit, cream cheese, or whatever you like.<br />
- Ooo, I almost forgot about surprise eggs. Slice of bread w/ the middle torn out. Butter one side, put in the frying pan, crack an egg into the hole in the center of the bread slice, fry. Flip at some point and finish frying. These are awesome. We used to eat them a lot when I was little.<br />
- Homemade breakfast jacks. Fried egg, slice of cheese, thin slice of sandwich ham on a bun (or bread).</p>
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		<title>By: Kristen</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1644</link>
		<dc:creator>Kristen</dc:creator>
		<pubDate>Tue, 03 Feb 2009 20:00:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1644</guid>
		<description>Stacey, I&#039;m actually not an enormous coupon user, for the reasons that you mentioned.  Most coupons are for processed foods, which are not that healthy and which come with lots of packaging.  I only buy them every now and again(like I did this last week).  I have a post on coupons sitting in my drafts folder on this blog...I just haven&#039;t gotten around to finishing it up yet!  I promise it will get posted at some point, I&#039;m just not entirely sure when.  lol

Oh, and yes, we don&#039;t have any debt aside from our home mortgage.  No credit card debt, no car loans, no loans to family, etc.  I would REALLY love to be mortgage free, but that&#039;s a ways in the future for us, I think.</description>
		<content:encoded><![CDATA[<p>Stacey, I&#8217;m actually not an enormous coupon user, for the reasons that you mentioned.  Most coupons are for processed foods, which are not that healthy and which come with lots of packaging.  I only buy them every now and again(like I did this last week).  I have a post on coupons sitting in my drafts folder on this blog&#8230;I just haven&#8217;t gotten around to finishing it up yet!  I promise it will get posted at some point, I&#8217;m just not entirely sure when.  lol</p>
<p>Oh, and yes, we don&#8217;t have any debt aside from our home mortgage.  No credit card debt, no car loans, no loans to family, etc.  I would REALLY love to be mortgage free, but that&#8217;s a ways in the future for us, I think.</p>
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		<title>By: Stacey</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1642</link>
		<dc:creator>Stacey</dc:creator>
		<pubDate>Tue, 03 Feb 2009 19:50:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1642</guid>
		<description>Hi Kristen, I was wondering if you would comment on Oprah&#039;s &quot;Thriftiest Family in America&quot;. I don&#039;t have tv, but when I&#039;m at work in the hospital I get to see it if I don&#039;t have any active patients. I saw the preview for today on her website and it looks like the family (maybe 2-3 kids?) lives on one salary (maybe 40K) and has saved up $70K in savings - but they have credit card debt! Like FD above, I also assume you don&#039;t have credit card debt. Anyway, I hope I get to watch the show and hear more - also because it looks like they will do a segment on coupons. We don&#039;t get the daily paper so I don&#039;t even get coupons but I have several neighbors who do get the paper and I was wondering if it would be worth it to ask them for their coupons, or buy the paper on Sunday and Wednesday (when it seems like they are usually available). The issue for me is that I don&#039;t know if I would benefit. I don&#039;t buy things like Windex or granola bars (like the items you bought with coupons recently) - I wouldn&#039;t even want them if they were free. (I&#039;m kind of like NIM in my dislike of lots of unnecessary packaging.) But there are some things we do buy like toothpaste and shampoo - I don&#039;t think I&#039;m ever going to be like NIM and use baking soda for my teeth and hair. :) Anyway, I am curious about coupon use and I&#039;d love to hear your thoughts about them - maybe even a whole post devoted to the topic (hint, hint). :)</description>
		<content:encoded><![CDATA[<p>Hi Kristen, I was wondering if you would comment on Oprah&#8217;s &#8220;Thriftiest Family in America&#8221;. I don&#8217;t have tv, but when I&#8217;m at work in the hospital I get to see it if I don&#8217;t have any active patients. I saw the preview for today on her website and it looks like the family (maybe 2-3 kids?) lives on one salary (maybe 40K) and has saved up $70K in savings &#8211; but they have credit card debt! Like FD above, I also assume you don&#8217;t have credit card debt. Anyway, I hope I get to watch the show and hear more &#8211; also because it looks like they will do a segment on coupons. We don&#8217;t get the daily paper so I don&#8217;t even get coupons but I have several neighbors who do get the paper and I was wondering if it would be worth it to ask them for their coupons, or buy the paper on Sunday and Wednesday (when it seems like they are usually available). The issue for me is that I don&#8217;t know if I would benefit. I don&#8217;t buy things like Windex or granola bars (like the items you bought with coupons recently) &#8211; I wouldn&#8217;t even want them if they were free. (I&#8217;m kind of like NIM in my dislike of lots of unnecessary packaging.) But there are some things we do buy like toothpaste and shampoo &#8211; I don&#8217;t think I&#8217;m ever going to be like NIM and use baking soda for my teeth and hair. <img src='http://www.thefrugalgirl.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  Anyway, I am curious about coupon use and I&#8217;d love to hear your thoughts about them &#8211; maybe even a whole post devoted to the topic (hint, hint). <img src='http://www.thefrugalgirl.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Magdalena</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1641</link>
		<dc:creator>Magdalena</dc:creator>
		<pubDate>Tue, 03 Feb 2009 19:19:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1641</guid>
		<description>We eat oatmeal a lot, although an egg-based breakfast is really popular here! One winter we ate oatmeal every morning (not much grocery money) with home-canned blueberries and raspberries. It kept us going many days! Another option for those who don&#039;t care for porridge is to make rice pudding the night before and have it cold in the morning.</description>
		<content:encoded><![CDATA[<p>We eat oatmeal a lot, although an egg-based breakfast is really popular here! One winter we ate oatmeal every morning (not much grocery money) with home-canned blueberries and raspberries. It kept us going many days! Another option for those who don&#8217;t care for porridge is to make rice pudding the night before and have it cold in the morning.</p>
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		<title>By: Lori</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1639</link>
		<dc:creator>Lori</dc:creator>
		<pubDate>Tue, 03 Feb 2009 19:12:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1639</guid>
		<description>You&#039;re doing great!

We&#039;re trying to avoid cereal as much as possible, as well.  Partly because it&#039;s expensive, but also because it just doesn&#039;t seem to fill any of us up very well.  Thomas especially will be asking for food an hour later after a bowl of cereal.  Sean goes through phases where he gets into a breakfast-making mood and will make up and make us eggs and hash browns and/or bacon, which is great, but I don&#039;t really count on that.  I like whole wheat English muffins with peanut butter, smoothies, and bagels.  I&#039;d like to start making more omelettes, because we always have a ton of eggs, and it could be a good way to sneak some veggies into our morning meal.

Thomas and Sean both loves oatmeal, but I don&#039;t like the consistency. I do like cream of wheat a lot, though, so we eat that in the winter.  I&#039;ve been wanting to try congee, which is apparently just rice cooked in lots and lots of water for a long time.  You can throw in fruits or spices or whatever you want.  I&#039;m a little afraid of it, though. ;)</description>
		<content:encoded><![CDATA[<p>You&#8217;re doing great!</p>
<p>We&#8217;re trying to avoid cereal as much as possible, as well.  Partly because it&#8217;s expensive, but also because it just doesn&#8217;t seem to fill any of us up very well.  Thomas especially will be asking for food an hour later after a bowl of cereal.  Sean goes through phases where he gets into a breakfast-making mood and will make up and make us eggs and hash browns and/or bacon, which is great, but I don&#8217;t really count on that.  I like whole wheat English muffins with peanut butter, smoothies, and bagels.  I&#8217;d like to start making more omelettes, because we always have a ton of eggs, and it could be a good way to sneak some veggies into our morning meal.</p>
<p>Thomas and Sean both loves oatmeal, but I don&#8217;t like the consistency. I do like cream of wheat a lot, though, so we eat that in the winter.  I&#8217;ve been wanting to try congee, which is apparently just rice cooked in lots and lots of water for a long time.  You can throw in fruits or spices or whatever you want.  I&#8217;m a little afraid of it, though. <img src='http://www.thefrugalgirl.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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		<title>By: Frugal Dreamer</title>
		<link>http://www.thefrugalgirl.com/2009/02/a-report-on-my-goals/#comment-1634</link>
		<dc:creator>Frugal Dreamer</dc:creator>
		<pubDate>Tue, 03 Feb 2009 00:49:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.thefrugalgirl.com/?p=1157#comment-1634</guid>
		<description>So far, so good! ;)  

I would assume by the things you post about, you and your husband don&#039;t have any debt, do you? :)</description>
		<content:encoded><![CDATA[<p>So far, so good! <img src='http://www.thefrugalgirl.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' />   </p>
<p>I would assume by the things you post about, you and your husband don&#8217;t have any debt, do you? <img src='http://www.thefrugalgirl.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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