To Your Stress-Free Holiday

Whether you are invited or doing the inviting this holiday season, throwing a potluck can relieve a lot of stress. When everybody brings something it takes a great deal of pressure off the host and offers guests the joy of contributing to the festivities.



If you’re hosting you need to …

  • Provide the main course (ham, turkey, roast beef for example).
  • Assign each guest a dish to bring like appetizer, side dish or dessert. You can even provide the exact recipe if you have a particular menu in mind.
  • Plan for seating, table settings, tasteful decorations and background music.
  • Clear space in refrigerator for cold dishes and schedule for arriving dishes that will require oven time.
  • Gather plenty of utensils and serving dishes. Buy small containers so guests can take home leftovers, if any.

Widen the Gap with Homemade Bread

If you’ve read my book7 Money Rules for Life, you know that Rule #1 is so simple it would be easy to overlook it as being too elementary. Here it is: Spend less than you earn.


Now think about it … “spend less than you earn” is not the same as “don’t spend more than you earn.” That implies it would be okay to spend all that you earn, but no. The operative word is “less.” You need a gap between what you earn and how much of it you spend. That is the fundamental secret for living below your means.

It’s in that gap that financial freedom can grow. You really need to read the rest of the book, but for now let’s just say that growing the gap is the challenge.

Here’s an easy way to increase your gap this week—even if only by a few dollars, because it all adds up: Make your own bread. Wait! Hear me out. I have a recipe for you that is so amazing, so simple and so foolproof you’ll be tempted to call it Einstein Bread because it’s going to make you feel like a genius.

Whacky Doodle Ground Beef

Years ago I made a terrible mistake. I froze ten pounds ground beef. That big block of frozen hamburger languished in my freezer for years. What was I thinking? I should have browned it first then frozen it in usable portions. But browning beef in a skillet can be so messy!

A few weeks ago I came upon another cheap ground beef opportunity. The expiration date was nearing and my supermarket needed to get rid of—you guessed it—ground beef. Ten pounds. I almost walked by. Then I decided to try something different, albeit a little weird.


I put the entire ten pounds of raw ground beef into my big stock pot, added enough water to cover and set it over high heat to come to a boil, no cover, no salt. After about 5 minutes I gave it a stir to break up the big clumps, which were few. The hot water was doing all of my work for me—no splatters, no mess. When all of the pink color disappeared I knew it was done, even though it had not started to boil.

Great Ways to Save at Restaurants

If the high cost of restaurant meals is eating up your cash, here are some great ways to keep your tab lean!


DISCOUNTS. Many restaurants offer a reduced-price menu for seniors and children. If you or someone in your party qualifies be sure to inquire if this doesn’t show up on the regular menu. Typically these discounted menus offer smaller portions at significantly reduced prices.

SKIP THE SODAS. Skip the pricey drinks and dubious “free refills” altogether and you’ll save at least $2 a person. Lisa B. rewards herself whenever she opts for water by stuffing two bucks into her savings account.

SHARE. Splitting a meal these days is socially acceptable and economically savvy. While some restaurants charge a minimal charge for splitting, most are very accommodating. Even if you have to pay a buck or two to split, it’s still better than paying for two meals you cannot eat completely. If you’re embarrassed about sharing, don’t be. If you must explain, say you are a light eater or that you’re doing your duty to the earth by not over-consuming. Many restaurants are so accommodating they’ll split the meal in the kitchen rather than handing you an extra plate.

Quick and Easy Breakfast Ideas

School time means new shoes and an unspoiled 64-pak of crayons. It also means getting back to a morning routine. This year, make breakfast a required subject in your house. All you need is fifteen minutes and tips, tricks and hurry-up secrets.

healthy breakfast: banana smoothie

FRUIT SHAKES. Start with the basic recipe and then customize with what’s in the refrigerator: Pour 1 cup juice, 1 cup water, 1 egg (optional), 3/4 teaspoon vanilla extract, 1/4 cup sugar, 1 cup crushed ice in the blender and blend until smooth. Customize your smoothies by adding fresh fruit, yogurt, protein powder, leftover pudding, applesauce—even left-over Jell-O.

FROZEN BANANA SLICES. Keep peeled banana slices in plastic bags in the freezer. Add them to any fruit shake or just plain milk.

Perfectly Boiled Eggs, Every Time

Eggs. They’re nutritious, delicious and cheap! Cooking them properly is quite simple, provided you know the secrets.

A perfectly boiled egg has a yolk that is set all the way to the center and it is clean, a beautiful yellow color with no hint of ugly green where the yolk and white meet. A perfectly boiled egg slides smoothly away from the cracked shell.


Prick the shell. Us a push-pin or needle, push it right into the large end of the uncooked egg, in about 1/4 inch, and into the egg itself. This will pierce the tiny air bubble (present in every egg) that in an un-pricked egg expands as the egg is heated and cracks the shell. This tiny hole allows an escape route for the air.

An Apple a Day Is Not Enough

In the modern day supermarket, an apple is something that never disappears. No matter what time of year it is there will be apples. But does that mean there is still a season for apples? You bet there is and that would be from about August until the start of spring.


Apple season isn’t that difficult to spot. I mean have you been to the market lately? Apples happen to be a great bargain right now. And variety? For snacking you’ve got your Gala, Fuji and Pink Lady, your Red and Green Delicious to name a few. And don’t forget the more tart Rome and Granny Smith, which are ideal for baking.

When you load up on apples starting now but especially come October, which is National Apple Month, you are going to save some dough, and you’re going to save something else, too. Calories! Researchers have compelling proof that three apples a day will get rid of fat. It’s so simple, they say: Three apples, one 30-minutes before each meal. That’s it. Sound too good to be true? There is a medical explanation for why the most common of all fruits can make such a big impact.

For starters, three apples will add 15 grams of dietary fiber to your diet. Researchers at Tufts University say that alone will reduce your calorie consumption by ten percent. But wait! There’s more. 

Foods in Which We Find Comfort … Ahhhh!

I was shocked out of my mind when I learned the origin of two of my all-time favorite comfort foods—rice pudding and bread pudding. Can you believe it, both were born out of, well—let’s just be straight up about it—poverty.

It was during the Great Depression that clever cooks who preferred to feed their families than let them starve, came up with the idea of making a special treat from the lowliest of ingredients—leftover rice and dry, stale bread. How clever.


But even more amazing to me, both have become respectable—even gourmet—food items. Take the White Chocolate Bread Pudding with Orange Cognac Sauce at Ruth’s Chris Steak House or Rice Pudding with Caramel Sauce at L’Ami Jean in Paris. Oh my, both are to die for. Certainly not offerings that comes from anything close to poverty but inspiration to make gourmet versions of both—at home!