The birthday pear fiasco. (Free recipe inside!)

Every year my daughter sends me a box of Harry & David pears for my birthday. The sweetness and juiciness of this fruit defies description. I look forward to them every year because you just can’t get pears like this in Anchorage. This year’s delivery was a little different, because the pears were delivered…frozen.

Not because they sat all day on the temps-in-the-teens porch, either. The delivery guy put the box directly into my hands. But when I opened up the gift, I found a batch of pearsicles.

Somewhere along the way, the fruit had encountered too-low temperatures – and there’s plenty of those on the Last Frontier. That’s never happened before with a Harry & David’s delivery.

As any savvy consumer would do, I phoned the company. Listened to the apologies, accepted a new delivery date for a new box of fruit.

And as any good frugalist would do, I wondered if I could salvage the old box. So I sliced one open and took a tentative nibble: hard and not sweet at all. Not surprising, since pears are picked under-ripe and allowed to develop to their full potential when customers want them.

While putting the pear’s core into the boiling bag, I decided that the rest of the fruit would not follow. I invented a new dessert* instead.

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How I saved $233.97.

This was money spent – or, rather, not spent – on the year’s garden, greenhouse and yard. Things like potting soil (we start our own seeds), garden soil (for our potted tomato and cucumber plants), replacement screws and nails, and yellowjacket and slug bait (wasps love nesting in our yard, and those slithering land mollusks like eating what we grow). How I saved that $233.97 was pretty simple: rewards programs.

As I’ve mentioned before, rewards programs, apps and credit cards are a nice boost to the budget. A real frugalist just hates to pay retail, or to pay anything at all if she can help it. So I cashed in gift cards to pay for the goods we needed to grow some of our own food.

Not that we limit these savings to the garden. Recently I cashed in a $25 Safeway card and a $25 Kroger card to use toward stealth stock-ups. I’ve also used reward programs to pay for trips to the movies, lunch out with my daughter and, of course, gift-giving. (Looking forward to cashing in more points in the near future, for Christmas gifts.)

I’ll be visiting my brother and sister in Orlando* next month, and stopping by Phoenix on the way home to see Abby again. It’s a pretty safe bet that rewards programs will help me pay for some of my trip expenses.

Here’s the beauty part: They’ll also produce more rewards in the bargain, as I use the cards, apps and programs to pay for things while I’m on the road. #GreatCycleOfFrugality

Will I get rich using these programs? Probably not. After all, my focus is on not buying stuff. But some rewards programs don’t require you to buy anything (more on that in a minute), they give you gifts for buying the things you do need, and fairly regularly let you get things for free.

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Beat inflation: The financial fire drill.

I figured the words “beat inflation” might get your attention. Let me say upfront, however, that inflation isn’t 100 percent beatable. No matter how self-sufficient we are, we still have to pay taxes and buy certain things (any food we can’t grow, sewing materials, shoes).

Even if we ride bikes instead of drive cars, we need replacement parts. If we do our own home improvements, we need to pay for materials somehow. And we can’t meet all our needs through rewards programs and Buy Nothing Facebook groups (although I’m having fun trying).

In the novel “The Godfather,” mobsters would hole up in anonymous apartments in times of gang strife. They called it “going to the mattresses.” Right now we’re in times of financial strife, and we should all think about going to the frugal mattresses: How to make the smartest, safest decisions to beat inflation?

Here’s how to start: by doing what I call the financial fire drill, a kind of extreme budget makeover. The idea isn’t that you won’t pay your bills, but rather that you’ll look for ways to cut the number and size of those bills.

The financial fire drill is pretty simple. You build a baseline budget, i.e., the absolute minimum you need to survive). That means basic shelter, utilities, medical care, food, clothing and debt service (installment loans, child support). The idea isn’t to starve in an unheated garret. It’s to figure out how little you could spend without jeopardizing health, safety and solvency.

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Anatomy of a frugal freezer.

Recently I did an article called “Anatomy of a frugal meal,” in which I detailed the various hacks that went into producing a last-minute meal that was both cheap and delicious. The reaction was so positive that I decided follow-up pieces might be in order.

The first idea came when I opened the freezer and realized how many things were engineered into that relatively small space. To be clear: This is the freezer atop our fridge, not the chest freezer. (But that one’s pretty full as well.)

As you’ll soon see, the fridge freezer has both good deals and odd stuff. Yet each item represents the best use of our food dollars, whether that’s growing it, buying it on sale or getting maximum use out of every bit of nutrition.

About that last: In a piece called “Extreme frugality: Use all the bits,” I pointed out that the price of eating hasn’t been this high for 10 years.

“Extreme frugality may become a necessity, if it isn’t already. So why not work to get as much out of every food item you buy? (As) the per-plate price of food continues to climb, remember that preventing food waste helps make your groceries more cost-effective.”

Our freezer is crammed with cost-effective (and sometimes free) items that keep costs down and mealtimes delightful. Have a peek inside.

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Monday miscellany: Cheapest ways to be dead.

Recently a friend of my daughter’s suffered the unexpected loss of a family member who lived in another state. Her friend’s mother is unemployed, and the friend herself doesn’t earn much money. Abby offered “to do what I do best: comparison shop to find them the best deal.” The best she could find had a … Read more

“Stealth stock-up”: A budget saver.

Food prices rose 8.8 percent between March 2021 and March 2022 – and the latest wrinkle is a mix of labor issues and “idle trains,” according to Reuters.

One way to fight food inflation is to stock your pantry and freezer with the most affordable food you can find today, before prices go up tomorrow.

Not everyone can afford to buy a side of beef or 50 pounds of pinto beans all at once.  But a tactic I call “stealth stock-up” just might save your food budget.

It’s pretty simple: Watch the sales flyers, and when your favorite brand** of pasta or cereal or tuna goes on sale, buy two instead of one. Buy three, if you can swing it.

That’s not to say you can’t also stock up on non-sale items, especially if they’ve been hard to get due to supply-chain issues. But the idea is to stretch available dollars and stash as much food as you can. Sale prices let you do both.

Already shopping this way? That doesn’t surprise me, since frugal people tend to read this site. It just makes sense to pay less.

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