Frugal Friday- Community Supported Agriculture

frugalfriday First off, what is a CSA? According to Wikipedia (which never lies), a CSA is:

A CSA consists of a community of individuals who pledge support to a farm operation where the growers and consumers share the risks and benefits of food production. CSAs usually consist of a system of weekly delivery or pick-up of vegetables and fruit in a vegetable box scheme, sometimes including dairy products and meat.

After a few years of hearing about them but frankly being scared of being forced to eat weird foods, we pulled the trigger this year and split a share at a local farm with some friends of ours. And I am so sad I did not do it sooner!! I love that I am getting amazing quality organic produce fresh from the farm for a fraction of the cost I would pay for crappy produce from the grocery store that comes from halfway across the country. And the money stays here, in this economy, which frankly really needs it.

The thing I was most afraid of? That I would waste food because we wouldn’t like it, or the kids wouldn’t eat it, or I just wouldn’t be able to use it all in a week. So far, that has not remotely happened. I am getting creative in the kitchen and discovering new foods I never knew I would like. If you recall, I am not an adventurous eater. But thanks to a few great cookbooks , I am finding ways to incorporate different veggies in a way that my family will eat them. The kids have been involved in the pick up of our stash every week so they are actually excited to try new things. It doesn’t always go over well, but at least they are trying.

So by my estimation, I get weekly produce from June through the end of October. I am hoping to do some canning and freezing as well so my bounty can last me into the winter. I think the cost works out to $9 a week (math is not a strong suit). That seems like a heck of a deal to me. Oh and I didn’t even mention that the last 2 weeks I have also received a plant that has promptly gone in the garden. So that is the gift that keeps on giving.

Local Harvest is a great website for finding a local CSA near you. Have you tried a CSA? Did you find you saved money?

For more frugal tips, head over to Life As Mom.

Frugal Friday- Microfinance

microloans It is really weird cause it seems like my World Vision trip was so long ago. I really hate how easily I have slipped back into my middle class American existence. I still think of my World Vision kids every day. One’s picture is on my fridge. Another is my screen saver and my Twitter ID. They also slip into my mind every time I find myself moaning about the fact that it is hot out or that my dryer is on the fritz. Thankfully I often catch myself mid-moan and remember how most of the world is living.

I mentioned when I was down in the Dominican Republic how amazing the work that World Vision is doing in teaching job skills to people, especially women. Many housewives who were relying on their husband’s unreliable source of income suddenly have the ability to start businesses that will provide steady income to their families. This is especially important as we kept hearing story after story of husbands who had abandoned their families for various reasons. World Vision’s whole philosophy rests on the age old wisdom that instead of providing man with a fish they should teach them how to fish.

I cannot tell you how much I love, love, love that philosophy. Not to get off on a political rant, but giving handout after handout so often keeps people in the cycle of poverty. And World Vision believes so strongly that this is NOT the way to solve global poverty. Here is a statement from their microfinance website:

Small loans by themselves are not enough to end global poverty. But when these small loans are interwoven with other poverty-fighting efforts like clean water, health, and education, the result is a world-class approach to community development.”

I saw this philosophy in action. I tasted it in the cookies one group made for us as they learned about baking and cake decorating. I saw it in the faces of women beaming with pride as they showed us their purses and bedspreads they had sewn. I heard it in the pride in their voices when they talked about their beauty salons that had started out in their front room and expanded to a store front all done with microloans. It is amazing what is being done with small gifts invested in someone’s dream of a better future for their family.

So maybe you read about my trip and thought that it was great and all, but you just weren’t up for making a monthly commitment. You can still make a huge difference in the life of a family half way around the world. Head over to their microfinance page and you can browse through entrepreneurs and help to underwrite his or her loan. You can search by business type, gender, loan amount and countries. This is a new site so only a few countries are represented. Unfortunately the Dominican Republic isn’t on there, but I am hoping as the site grows it will be added. Once you fund a loan you will receive updates on how your shared business is growing. And once it is repaid (the current repayment rate is 98.7%), your donation recycles over and over again to help more entrepreneurs in the same country.

The minimum donation is $25. I think that is a pretty frugal way to invest in an entire community’s future. Need more inspiration? Check out these success stories. Or if you feel so led, change the life of a child through sponsorship. I know for a fact your life will be changed as well.

This post was submitted at Life is Mom for Frugal Friday.

Frugal Friday- Zulily

frugalfriday I don’t know if you have noticed that there have been new private shopping sites popping up which offer designer goods at discounted prices. All you have to do is sign up and you can participate in their daily sales. I have checked out a couple, subscribed to a few more, but never actually ordered. Until now.

A few week ago, I was contacted by Zulily and asked to check out their site. I actually hadn’t heard of them before so I went over to check it out and really liked what I saw. So they offered me a credit to spend and I went shopping. Zulily has daily sales clothes, gear and other goodies for moms, babies and kids. You have to be a member to shop, but membership is free and signing up is easy. Members can enjoy savings of up to 70% off retail prices although I found most sales were offering things in the range of 30-50%.

There are new deals everyday and they are delivered to your mailbox so you can decide if you want to check out the sales that day. In my opinion, what sets it apart from the other sites similar to it that I am a member of, is the sheer number of sales going on every day. I typically saw 10-15 “events” going on at one time and they are all offered for a limited time. And unlike other sites there is something for moms, kids and your decor. At one time there is usually a pretty good mix of all three. But if you see something you like, snap it up because things do sell out and once it is gone, it is gone.

Now for the most frugal among you, you might not find much because these aren’t Target prices. But these also aren’t Target quality products (I am not knocking Target. That is my mother ship). These are designer quality products. That being said, I saw plenty of clothing options for under $20.

sundress Like this cute sundress for $15 by Under the Nile (an organic, fair trade clothing company).

piratelunchbox And this lunchbox is the CUTEST for only $10 from Jack Rabbit Creations.

If you want to score some items at an even bigger discount, refer a friend to join. You will get a $10 credit after they place their first order. Which reminds me, sign up now and start browsing the great deals. And if you order before 5/31 using the code OURTREAT10 you will receive $10 off a $50+ purchase.

*I was provided with a credit toward a purchase at Zulily to facilitate my review. All opinions are my own.

For more frugal tips, head over to Life As Mom.

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