Wordless Wednesday: Lazy Cats

10 Steps Toward a Debt-Free New Year

Have you examined your family finances lately? Are you shocked and anxious about the amount of debt you have? If your New Year's resolutions include getting out of debt or getting your financial house in order, here are ten easy steps for regaining financial control in the New Year:

1) Seek help. If you're not sure how to proceed, or you're feeling too overwhelmed to act for yourself, call a non-profit credit-counseling program for advice and assistance in working with your creditors to set up a repayment plan. Consumer Credit Counseling Service has offices throughout the US. Call 1-800-388-CCCS, 24 hours a day, for an office near you. You can also find information about debt problems from your local church, library or bank. Look for information online as well.

2) Contact your creditors. As soon as you're aware you won't be able to make a payment, contact your creditors. Creditors are more likely to work with you if they're contacted before the payment is actually overdue. Debt collectors are trained to solve payment problems, so don't be afraid to be honest with them about your financial situation. Stay calm. If you commit to paying the bill by a certain date, be sure you follow through on that commitment. The creditor won't be likely to work with you again if you don't keep your pay- ment promises. If you can't make your minimum monthly payments, write to each creditor individually and see if you can work out smaller regular monthly bills. Be sure to explain to them why you fell behind in your bills, your current income, your other financial obligations and the exact amount you can pay them each month.

3) Cut up all credit cards and send them back to the issuing companies immediately. Officially close all credit accounts. A temptation when you start seeing lower balances on your accounts could lead you to charge the credit limits right back up again if the accounts remain open. Don't take out more loans or open any new credit accounts until back bills are paid in full.

Please visit 10 Steps Toward a Debt-Free New Year on Old Fashioned Living to read the rest of this article

Merry Christmas To All

May you have a very special, Christmas,
full of precious memories.

~Brenda

Last Minute Easy-to-Make Gifts from 1963

Then the Grinch thought of something he hadn't before. What if Christmas, he thought, doesn't come from a store. What if Christmas, perhaps, means a little bit more. ~Dr. Seuss

Today I'm sharing some neat ideas from a pamphlet my dad gave me entitled "Easy-to-make gifts for the small budget" put out by Johnson's Wax in the 1960's.

For a cheese lover: Decorate a dime store bread board with stencils and then add an expensive look by waxing. Put on it a small box of crackers and a selection of foil-wrapped cheeses-also a cheese spreader. Wrap in cellophane or Saran Wrap. Tie with holiday ribbon and trim with holly or small Christmas tree ornaments.

Pine Cones: Dip Pine Cones in self-polishing floor finish and sprinkle with artificial snow while the polish is wet. Wonderful to hang on your tree.

A Candle Centerpiece: Spray a muffin tin with gold paint. Fill the cups with votive candles-dime stores have them. Trim with shiny green leaves and a tiny crepe paper butterfly here and there. Tie a big satin ribbon bow at each end of the tin.

To A Little Lady: There's nothing like a "big lady" jewel box filled with junk jewelry. Buy a plastic tackle or utility box at the dime store. Use household cement to attach pearls, beads, flat rhinestone buttons and other glitter.

Note: You can use a glue gun instead of cement. These ideas are very basic, I really like the simplicity and all of them would be neat to make with kids.

~Brenda

No Fail Cookies to Make This Week

Our hearts grow tender with childhood memories and love of kindred, and we are better throughout the year for having, in spirit, become a child again at Christmas-time. ~Laura Ingalls Wilder

I made a big batch of cookies that I call Cupboard Cookies last night for a friend that is delivering cookies to the Veteran's Home, and today I'll make another batch for my kids to take to school. I've been making these for 20 years now, and they are a "no fail" recipe that never fails to please people.

The great thing about this recipe is that you can substitute for many of the ingredients as long as the quantities remain the same. You can substitute finely chopped nuts for the coconut, or use white, butterscotch,or peanut butter chips instead of chocolate chips. The cup of cereal can be any variety such as frosted flakes, crispy rice, corn flakes, or bran flakes. The key is to crush whatever kind of cereal you use before measuring out the one cup. Also, as far as the oatmeal, I use whatever I have on hand. This time I opened packets of instant that no one was finishing until I get one cup or you can use old fashioned oats. This cookie is crispy yet chewy. I give them in tins with circles of wax paper between layers.

You'll notice it has oil and margarine, which is not a typo. They are not a low fat or low calorie cookie:)

Ingredients:
1 cup butter or margarine
1 cup granulated sugar
1 cup brown sugar, packed
1 egg
1 cup vegetable oil
1 tsp. vanilla extract
1 cup oatmeal, old fashioned or instant
1 cup crushed cereal, flakes, crispy types; anything crunchy
1/2 cup coconut
1 cup semi-sweet chocolate chips
3 1/2 cups all purpose flour
1 tsp. baking soda
1 tsp. salt
granulated sugar

Preheat the oven to 325 degrees. In a large bowl cream the butter and sugars with a mixer. Add egg, oil, and vanilla; beat well. Stir in next 5 ingredients with a wooden spoon. Sift flour, baking soda and salt into the mixture. Stir until all the dry ingredients are mixed in.


Shape into 1 1/2 inch loose balls. Flatten the cookies with a fork dipped in granulated sugar.

Place on an ungreased cookie or baking sheet lined with parchment paper. Bake 10-12 minutes or until VERY lightly browned around edges. These are better when not browned too much unless you want them to be extra crispy. Cool on sheets before removing to wire racks. Makes about 8 dozen.


Enjoy! ~Brenda

Old Fashioned Holiday Recipes

Christmas is the season for kindling the fire of hospitality in the hall, the genial flame of charity in the heart. ~Washington Irving

Today I have some fun recipes from the Practical Recipes for the Housewife book published by the Detroit Times in 1934. I know some of you wondered if it was still available in print. I always watch ebay for vintage cookbooks, as well as used book sources online such as the sellers on Amazon and Barnes and Noble. Offline I also always check thrift stores and church sales. If you have time for auctions there are many good deals at those too. As far as I know the book was never reprinted.

The recipes below are for beverages.

Frosted Russian Chocolate

2 cups strong boiling black coffee
2 ounces chocolate
1/2 cup sugar
2 cups scalded milk
1 tablespoon cornstarch
cinnamon
grated nutmeg

Dissolve cornstarch in coffee and cook in double boiler with coffee, chocolate, spices and sugar. Then add milk to this thickened liquid. Stir well and boil for one quarter hour. Serve chilled with some cracked ice in tall glasses.

Mint Squash

Four sprigs of mint
juice of one lemon
1 tablespoon powdered sugar
Cold water
ginger ale

Bruise all but tip of one sprig of mint in a glass. Add strips of lemon rind, juice of the lemon, sugar and chill. When ready to serve, fill glasses with ice cubes, pour over ginger ale and serve with a sprig of mint on top of ice.

The following recipes are dainty and can be used for afternoon tea or open houses.

Chicken and Pineapple Sandwiches

1 cup canned crushed pineapple
1 cup chopped cooked or canned chicken
2 loaves white bread
1/2 pound walnut meats
1/2 cup mayonnaise

Drain pineapple, and mix with the chopped chicken and mayonnaise. Spread between buttered slices of white bread. Cut each sandwich into quarters diagonally, forming triangles. This recipe makes 50 sandwiches.

Orange Cream Cheese Sandwiches

Mix one package of cream cheese with one teaspoon of grated orange rind, and add enough orange juice to spread. Use as a filling for very thin sandwiches of white or whole wheat bread, cut into shapes with a cookie cutter.

I have one last recipe for an interesting salad.

Pomegranate Salad

6 canned pear halves
1/3 cup pecan meats, chopped
pomegranate seeds
2 packages cream cheese
watercress
cream mayonnaise
lettuce

Arrange crisp lettuce leaves on individual salad plates. Place half a canned pear on each plate. Mix cream cheese and chopped nuts, form into balls. Place one ball into the center of pear. Place a few sprigs of watercress at the blossom end of each pear. Serve with cream mayonnaise sprinkled lightly with pomegranate seeds. Serves 6.

I hope you enjoy the recipes!
~Brenda

Roses in Winter

No peevish winter wind shall chill, no sullen tropic sun shall wither the roses in the rose-garden, which is ours and ours only. ~T.S. Eliot

I have a question from a reader to answer today, plus I added a few tips on using roses and rose hips during the holidays. Last week we had a blizzard, then ice and sleet. I certainly hope our weather cooperates this week! The snow is beautiful, as long as I don't have to drive on it. Stay warm and safe this week as you finish your holiday preparations.

My wedding is in a year and I was wanting to use red rose petals that guests could eat. They will be used on a wedding cake.What would you recommend? ~Tina

First, the roses HAVE to be untreated in any way to be used as food. The best ones to use are your own, so you know they've been grown organically. If you can't do that, then check with local florists. You can use fresh whole roses, rose buds or petals on the cake as long as they are safe to eat. They will need to be as fresh as possible and kept chilled until the reception. Place them on the cake at the last minute, unless you could keep the entire cake chilled with the roses already on the cake. You can Royal or Butter cream icing to attach the flowers.

As an alternative you could crystallize the rose petals. There is information on that process here: http://www.marthastewartweddings.com/article/crystallizing-rose-petals

Christmas & Winter Arrangements

As long as we are on the subject of flowers I thought I would toss out some ideas for using plants and flowers during the holiday season.

Rose hips can be used in centerpieces and flower arrangements. They can be ordered from florists or found on your own rose bushes. You can also look for wild rose hips, but those are usually quite a bit smaller. Combine them still on the branch with greens for a rustic look or place them in bowls mixed with other natural items.

Roses are always beautiful any time of year. For the holidays try combining roses with greens in a holiday themed bowl for a pretty centerpiece. If you have a holiday teapot you can cut the roses and combine with greens for another charming centerpiece.

On OFL we have an article on using rose hips:
http://oldfashionedliving.com/rosehips.html

~Brenda