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Top Fifty Frugality Blogs

I’m honored to be included in Frugal Dad’s list of the Top Fifty Frugality Blogs. For new visitors, I’ve picked out some of my favorite frugal posts:

Making a Sourdough Starter

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More Frugal Strategies, Breastfeeding in the Summer, and Haveil Havalim, and Childcare Choices

I wrote about keeping babies hydrated in hot weather at Green Prophet.

Squawkfox compiled a list of the best frugal advice from 41 bloggers, dividing them into categories and adding eye-catching graphics. You can see them all here.

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Over-Parenting and Daycare Dilemmas

The Over-Parenting Crisis by Katie Allison Granju, author of an influential book on attachment parenting, complains about parents who obsess about every aspect of their children’s development.

This over-parenting has become an epidemic. Legions of well-intentioned mothers and fathers, urged on by popular media and the marketplace, are frantically striving to create an endlessly controlled, bubble-wrapped childrearing environment. From neuroses with regulating our babies’ sleep habits, to insistence on antimicrobial everything, to the attempt to continue “babyproofing” our homes until our babies are well into elementary school, our current parenting zeitgeist is competitive, market-driven . . . and exhausting.

Then Commenter Abbi pointed me to a New York Times blog post about a couple who work different shifts to reduce daycare costs, as I suggested in my post on frugal strategies for young families. During his lunch hour, the husband drives his wife to work at Costco and their 3-year-old and 19-month-old to their daycare for a few hours. Their day ends like this:

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Washing Machines and Laundry: Tips for Making Laundry More Frugal

Washing Machines and Laundry: Tips for Making Laundry More Frugal

In honor of Earth Day, here’s a water-saving tip from Paamonim. Paamonim, which I wrote about here, helps Israeli families in debt avoid poverty, and its website contains many money-saving tips. Saving water and energy is not only a personal financial consideration, as natural resources belong to all of us.

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Frugal Strategies for Young Families that Pay Off as Your Children Grow

Capybara Nurses Young

As my family grew from a small to a large one with six children, I developed efficient ways to save money. Some items that were small expenses with two small children became bigger as the family grew.

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Creative Cooking Using Leftovers: Chicken Casserole

Creative Cooking Using Leftovers: Chicken Casserole
chicken casserole

I am enjoying Mimi’s challenge of cooking with whatever she has in the house. As food manager of a large family I have had to learn to keep well-stocked, but when I run low I try not to run across the street. We shop at a large grocery every three weeks or so, the shuk for produce once a week, and daily at the makolet (corner store) for bread and milk . I’ve talked with my husband about buying produce once in two weeks, but he fears we don’t have enough room.

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Ten Things You May Not Need to Buy if You Breastfeed Your Baby

Ten Things You May Not Need to Buy if You Breastfeed Your Baby

This post originally appeared on Green Prophet, and is reprinted with permission.

Click to view over 70 comments (Haloscan).

A common misconception about breastfeeding and babies in general is that they require special equipment. But we already know on Green Prophet that a mom who buys less is by default acting in an environmentally-friendly way.

So what are the essentials, and what aren’t? This is your guide to making breastfeeding truly green. Products you don’t buy, won’t have to be manufactured, packaged, transported, cleaned, or disposed:

1. Formula. Parents are often advised to keep formula on hand “just in case.” But they are more likely to offer formula to a newborn when they have it in the house, which is why formula companies give out free samples. The first time baby won’t settle down, usually in the middle of the night, parents worry (understandably) that he is hungry and offer him a bottle.

But babies cry for many reasons, and parents need to know the signs that the baby is getting enough milk. Giving a bottle in the early weeks exposes the baby to infection and can interfere with the baby’s natural immune system. If a supplement is truly needed, the first choice is the mother’s own milk.  And once babies are eating a variety of nutritious solid foods, formula (made from cow’s milk) doesn’t offer anything extra. It’s expensive, highly processed and overly sweet.

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Paamonim:The long, shorter way to get out of debt

Paamonim is an organization, operating mainly in the national religious community, that helps middle class families manage their budgets and pay off debts. In Friday’s alon Matzav Haruach, Rachel Klein wrote about Paamonim and spoke with its director, Uriel Lederberg.

“Dina,” a single mother of three, covered her overdraft by taking out new loans. She contacted Paamonim when her debt reached NIS 45,000. Moti, a financial counselor trained by the organization, came to the house and helped her plan the family’s budget.

Dina reports, “In the first stage, we fired the ozeret (housecleaner, at NIS 800/month). The children cooperated and took on the various chores. We also restricted chugim (afterschool activities) to one per child. We stopped ordering prepared foods and pizza. We gave up on entertainment and restaurants. There were no more weekeends in hotels. Instead of the pool, we went to the beach. We discovered parks. . . I learned that NIS 70 face cream works as well as cream costing NIS 300. . . .”

(Our dermatologist friend recommends buying the cheapest face cream because glycerin, the most effective ingredient, costs the least.)

Dina began to have her clothes and shoes repaired instead of buying new ones, took a second job in the evening, blow-dried her own wig (saving NIS 70), and her daughter began babysitting to pay for her clothes. After two years she has paid off most of her loan and the bank account is balanced. She says, “Yes, I have a masters degree, and I work in a senior position. But I earned my true doctorate for life with Paamonim.”

Director Lederberg explains how Paamonim is different from most other charity organizations. The others look for an immediate solution for a needy family, providing a basket of food, a financial grant, or a school backpack. In another week or two, or a month, the family needs more help. One child needs dental work, the bank is calling about the overdraft, and the school trip is coming up.

Judging by recent phone requests, those kinds of organizations are popping up like snails after the rain. I just heard from one that provides hot lunches to schoolchildren. Charity organizations will always be necessary to help the truly needy, while Paamonim focuses on families that should be able to stand on its feet but aren’t. But everyone can benefit from Paamonim’s techniques.

Lederberg got the idea after helping to raise funds for a family whose utilities were being cut off, only to find the family in the same situation a few months later. When he spoke to the bank manager about lowering the interest rate on the family’s account and allowing an easier payment schedule, the manager asked Lederberg if he could refer other families to him.

Lederberg and his friends developed two parallel paths to financial solvency. First, they check all possible sources of income like national insurance, disability grants, and discounts. They negotiate with the banks for better terms, but never ask for debts to be cancelled. In the second, more intensive level of assistance, Paamonim examines the family’s budget, helping them track their income and expenses and become wise and frugal consumers. Paamonim has experts who advise the counselors on getting low rates for various goods and services.

Lederberg, like most of the thousand-strong staff, is a volunteer himself.

When a financial counselor is available to help, he or she asks the family to prepare its financial documents. At this point many families get cold feet, so Paamonim waits until the family reinitiates contact. The process is painful and requires full cooperation. The volunteer doesn’t instruct the family on which items to cut, but helps it prepare a balanced budget leaving NIS500-1000 per month to repay debts.

On Paamonim’s website, you can download budget spreadsheets, read articles about saving money, and learn how to train as a volunteer. (A friend who inquired said you need to attend a five-session course.) Unfortunately the English part of the site is not as rich (so to speak).

Just don’t go to the wrong site–paamonim.co.il advertises a fancy vacation getaway.

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Using cloth diapers in Israel

Katherine has a new baby, and asked me to share my experience with cloth diapers in Israel. Previous posts which mention them are here and here.

Some readers may asking why one would consider using cloth diapers in the midst of our serious water shortage. But disposable diapers use up more natural resources than laundering cloth; toxic materials go into their manufacture. The diapers or materials to make them must be shipped to Israel. Then the diapers have to be transported to the store, to your house, and to the garbage truck, where they are (possibly) treated and sent to rot in a landfill for thousands of years. If laundry is so bad for the environment, perhaps we should wear disposable clothes. (We’ll save the discussion on disposable dishes for another time.)

Because Katherine asked so nicely I will share my diapering system with the world. As in other housekeeping decisions, my priorities are practicality and frugality. I found it easy. My goal is not, as one columnist suggested, because I am a martyr to the cause of environmentalism. 

I used cloth only for my two youngest.

My supplies:

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Navigating an Israeli Supermarket

I once read a blog post by an American on an extended visit to Israel, raving about how much easier it is to keep kosher in Israel than in the US. True, a variety of kosher food is available just about everywhere in Israel. But keeping kosher in Israel is far from simple.

Lately we have been shopping at Aleph, one of the haredi chains. They tend to focus more on basic items and family-sized packages. The disadvantage is that meat and dairy products with a mehadrin/haredi supervision are much more expensive. But a few years ago Aleph added a selection of meat and dairy products under the supervision of the Israeli rabbinate.

Another issue with products under haredi supervision is that they often contain more fillers and sugars than those with the standard supervision, in order to make the price attractive to haredi families with less disposable income. Examples include “Danuba” mehadrin yogurt, which contains added starch, and Telma Shefa Cornflakes, which contain more sugar than Telma Cornflakes. It pays to read labels.

The brakes on our car began acting up during Pesach, and we are awaiting a replacement part by airmail. My husband takes the bus to work and I avoid carpool arrangements on principle, but shopping is a hassle. Last week I took the bus to one store only to discover, at the checkout, that they don’t deliver. Fortunately I ran into a neighbor who gave me a ride home. The other day I put out an SOS to some friends and E. replied that she was planning to go shopping and would be happy to take me along.

Since E. once referred to me as someone who “writes a blog for new olim (immigrants),” I guess it’s appropriate to use our trip to share some examples of unusual things a kosher consumer might find in an Israeli supermarket.

E. took me to a large chain store that I used to visit regularly. Because some items were much cheaper than at Aleph, I used to alternate between the stores every few weeks to stock up on cheaper items. But at one point I stopped because the price on those items came down in Aleph. I see now that that was a mistake; canned goods, for example, are significantly cheaper at the store we visited this week.

Since I was last there, the store, along with most of the city’s supermarkets, lost its rabbinic supervision. The local rabbinate, known for its zealousness (it refuses to certify restaurants for Passover if they serve legumes), withdrew supervision for any store selling a popular brand of meat. The rabbinate claimed to have found serious irregularities in the factory. This has since been resolved, but the rabbinate also refuses to certify stores that rely on the heter mechirah during this sabbatical year. Some of the fresh food counters did have a kashrut certificate, and most products come in packages sealed by the manufacturer. But there are still issues.

Take this package of chicken wings. It looks like the frozen pieces were taken out of a box, placed on a tray, and wrapped in plastic. The Tnuva sticker was almost certainly slapped on by a store worker. And without supervision on the store itself, I have no assurance that the chicken came from where the label says it does.
Navigating an Israeli SupermarketHere’s another concern for the kosher shopper. Note this sign on the freezer display:

Navigating an Israeli SupermarketThe animal from which this cut of meat was taken has been slaughtered properly according to Jewish law, but not “kashered.” Kashering meat involves soaking, salting and rinsing the meat in order to remove the blood. Hardly anyone soaks and salts meat at home; I’ve never done it, because the kosher butchers and meat-packers take care of it. Presumably the people buying it here prefer it because it’s cheaper than kashered meat, and they don’t keep kosher anyway.

This pitfall has nothing to do with kashrut:

Navigating an Israeli SupermarketThe label reads “GROUND CHICKEN: From superior ground chicken meat.” The smaller letters read, “With the addition of vegetable protein.” If you want to know what percentage is meat, forget it. The label won’t help you here. Instead, a notice warns consumers to eat the product only when fully cooked; I saw this on other products as well. I’m guessing this is a new well-meaning law on the books, like the one requiring every product containing gluten to be labelled as such. That law backfired, because companies afraid of lawsuits by the gluten-sensitive public began putting the labels on everything.

Then I went to look at the frozen vegetables. My husband still doesn’t like me to buy “heter mechirah” produce (sigh) so I had to read the fine print here too:

Navigating an Israeli Supermarket
Navigating an Israeli SupermarketThe one on the left says it is kosher “according to heter mechirah” and the one on the left says that it’s “yevul shishit,” meaning that it comes from the produce of the sixth year. (It also has an extra “Badatz” kashrut symbol.) I once noticed a similar sign on a can of tomato paste several years after shmittah. it must have been the second or third year of the sabbatical cyle, so I thought the product was a few years old. Later realized that I wasn’t meant to take the mention of the sixth year literally; it simply indicated that the produce was not from the problematical seventh year of the sabbatical cycle.

At that point E. reminded me that we needed to check that the store had sold its chametz. One may not eat leavened foods that were in the possession of a Jew over the Passover holiday. There are some products I generally buy in the shuk (open-air market), such as burgul (bulgur) wheat, but not immediately after Pesach; I only buy burgul, flour, pasta, and oats in a store that has sold its chametz. So while E. finished up her shopping I located the following sign:

Navigating an Israeli SupermarketThis assures the customers that the chametz was properly sold. However, the mashgiach (kashrut supervisor) emphasizes that he cannot vouch for the kashrut of the store or any of its products, either on Pesach or year-round.

I half-expected a store worker to ask me why I was taking pictures. After all, this store used to have a sign at the entrance warning customers against writing down prices. But no one seemed to care.

I’ve only touched superficially on some of the kashrut issues and I hope that my less knowledgeable readers were able to follow.

Many thanks to E. for shlepping me and my groceries, and for vicariously contributing to this post. And join me in wishing her mazal tov on marrying off her oldest son.

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