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13 Ideas of Really Cheap Meals for Broke People

13 Ideas of Really Cheap Meals for Broke People

We all have to eat. But it doesn’t mean you have to settle for less-than-great food if you don’t have a lot of money. Here are 13 ideas for really cheap meals for broke people:

Rubber Chicken

It isn’t called rubber chicken because it’s rubbery! But rather because it keeps bouncing back for more meals. One whole, large chicken can feed a family of four for at least four meals.

Meal 1: The Chicken Dinner

The first meal is to eat part of the chicken. It can be a rotisserie chicken, or one you cook at home either in the oven or a crock pot. Add some veggies and a starch and you have a meal. When you are done, remove all the excess chicken from the bones and put it aside. Also, save all the bones for meal number three.

Meal 2: Chicken On A Salad

The second meal will take some of the chicken from meal one and arrange it over a bed of lettuce. Add whichever veggies you have on hand, perhaps some salsa, and you have a nice, main-course salad.

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Meal 3: Chicken Soup

Take the carcass from meal one and put it in a big pot. Cover with water and add salt and pepper. You can also add any vegetables you wish, like onion or celery, for flavoring. Bring to a boil and simmer on low for a couple of hours. Strain out the solids and you have a nice chicken stock. Use the chicken stock as a basis for chicken soup: add vegetables, some pasta or rice, and you have a filling meal.

Meal 4: Chicken Burritos

The last bit of chicken can be wrapped up in tortillas with some warmed beans, leftover rice and a bit of salsa–a great quick meal!

Rubber Beef

Chicken isn’t the only meat that can bounce back. Beef can also work the same way.

Meal 5: Beef Roast

The crock pot is your best friend for cooking inexpensive cuts of beef. The long cooking time will reduce the toughest piece of beef into a tender blend of flavor. The first of the rubber beef meals is the beef roast dinner. Get a cheap roast from the store and cook it in the crock pot with a cup of cooking liquid (water, broth, or wine) and some vegetables. Save the leftover meat for meals six and seven. Or you can use recipes like this one.

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Meal 6: Beef Burritos

Much like the leftover chicken, you can combine the leftover beef into burrito filling. Add rice, a can of black beans and a dash of pepper for some nice sizzle!

Meal 7: Beef Barbecue

Shredded beef lends itself really well to barbecue sandwiches. Just add whatever sauce you wish to the meat, and serve it on a bun. Add homemade coleslaw to the sandwich for extra zing.

All Wrapped Up

Wraps are a great way to go cheap: they provide a source of carbohydrate while holding all your fillings together. We’ve already talked about beef and chicken burritos, but you can go even cheaper…

Meal 8: Bean Burritos

A very filling and inexpensive meal can be made with tortillas, refried beans and whichever toppings you prefer. Chopped tomatoes, cabbage, lettuce and other shredded vegetables will round this out for a very healthy meal.

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Meal 9: Egg Wraps

Eggs are an excellent source of protein and are extremely inexpensive. Scramble up some eggs with some vegetables, and you have a great dinner (or breakfast!)

Noodles and More

When people say “cheap” and “noodles” in one sentence, they generally mean spaghetti. But this doesn’t mean you have to settle for bland.

Meal 10: Sesame Noodles

Sesame noodles can be made with long pasta, sesame paste and a bit of chili sauce, thinned with broth or water. Add a little onion, cilantro and cucumber for bursts of flavor.

Meal 11: Zippy Spaghetti

The cheapest commercial spaghetti sauces are also the most bland. Hit your dollar store for spices and give that sauce some taste! Garlic, oregano and basil are standard additions, but a zip of red pepper or chili sauce will warm your tummy.

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Catch-alls

One of the best ways to stretch your food dollar is to make sure nothing gets thrown away. That means you have to have a way to deal with little bits of leftovers that are not enough to make a full meal. Here are two catch-all ideas for using that last bit of food.

Meal 12: Fried Rice

Fried rice is extremely flexible and forgiving. Heat up whatever leftover veggies or meat you have in a bit of oil, then add leftover cooked rice. Make a well in the middle and scramble an egg, then mix it all together for fried rice.

Meal 13: Magic Casserole

If you’re more in the mood for comfort food, you can make Magic Casserole. Take one leftover meat or protein, add one leftover starch (noodles, rice, or potatoes), one binder (a can of ‘cream-of-something’ soup, leftover gravy or sauce), a vegetable (whatever is available) and a crunchy topping (crushed potato or tortilla chips, fried onions or nuts). Mix everything but the topping together, put it in a casserole dish, add the topping, and bake until heated through.

Cheap meals don’t have to be unhealthy, bland or pre-prepared. Cooking from scratch and using every bit of food is the best way to stretch your food dollar.

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Last Updated on January 2, 2019

How Personal Finance Software Helps You Get More Out of Your Money

How Personal Finance Software Helps You Get More Out of Your Money

Do you know what mental health experts point to as the biggest cause of stress in the United States today? If you said “money,” then ding, ding, we have a winner!

Three out of four adults today report feeling stressed out about money at least part of the time. People are either worried about not having enough money or whether they’re putting the money they do have to use in the best possible way.

Your money is either in charge of you or you’re in charge of it, there’s no middle ground. Using some type of personal finance software can help alleviate some of that money stress and better allow you to manage your money effectively. Without it, you may just be setting yourself up for constant financial worry. Life is already tough enough and there’s no need to make it more difficult by simply hoping your money issues will all work out in your favor. Hint: they won’t.

This guide will help you to understand how personal finance software can better assist with both accomplishing long term financial goals and managing day-to-day aspects of life.

Whether it’s tracking the savings plan for your child’s college fund or making sure you won’t be in the red with the month’s grocery budget, personal finance software keeps all this information in one convenient place.

What Exactly is Personal Finance Software?

Think of it like the dashboard in your car. You have a speedometer to tell you how fast you’re going, an odometer to tell you how far you’ve traveled, and then other gauges to tell you things like how much gas is in the tank and your engine temperature. Personal finance software is essentially the same thing for your money.

When you install this software on your computer, tablet, or smartphone, it helps to track your money — how much is going in, how much is going out, and its growth. Most personal finance software programs will display your budget, spending, investments, bills, savings accounts, and even retirement plans, levels of debt, and credit score.

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How It Leads to Financial Improvement

It shouldn’t come as a surprise, but people who regularly monitor their finances end up wealthier than those who don’t. When you were a kid, keeping track of all of your money in a porcelain piggy bank was pretty easy. As we get older, though, our money becomes spread out across things like car payments, mortgages, retirement funds, taxes, and other investments and debts. All of these things make keeping track of our money a lot more complicated.

Some types of personal finance software can help make things a little less complicated, setting you up to meet financial goals and taking away some of the stress associated with money.

Even if you already have a Certified Financial Planner (CFP) some type of personal finance software can be of great benefit. Whereas CFPs focus on the big picture of your money, they don’t handle the day-to-day aspects that determine your overall financial health.

It’s also not nearly as complicated as you might think and can take out a lot of the tedium that comes with doing everything on an Excel spreadsheet or with a pad and pencil.

Types of Personal Finance Software

When it comes to personal finance software, it generally fits into two categories: tax preparation and money management.

Tax preparation software such as Turbo Tax and H&R Block’s software can help with everything from filing income taxes to IRS rules and regulations and even estate plans. Plus, there’s the benefit of filing online and getting your refund check a lot faster than if you were to mail off your forms after waiting in line at the post office.

For the purpose of this article, however, will be focusing more on the personal finance software that aids with money management.

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Money management personal finance software will help you to see the health of your cash flow, pay down debt, forecast for expenses and savings, track investments, pay bills, and do a host of other things that 30 years ago would have practically required a team of accountants.

When to Use Personal Finance Software

So far we’ve gone over what exactly personal finance software is and how it can be a benefit to your money. The next logical step in this whole equation is determining when it should be used and how is the best way to go about getting started using it.

Below are four of the most common and practical ways to use personal finance software. If all or any of these apply to you and your money, then downloading some type of personal finance software is going to be a smart move.

1. You Have Multiple Accounts

There’s a good chance that when it comes to your money, it’s in more than one place. Sure, you probably have a checking account, but you may also have a savings account, money market account, and retirement accounts such as an IRA or 401k.

If you’re like the average American, you probably have two to three credit cards as well. Fifty percent of Americans also don’t have loyalty to just one bank and spread their money across multiple banks.

Rather than spending hours typing in every detail of every account you have into a spreadsheet, many programs allow you to easily import your account information. This will help to eliminate any mistakes and give you a bird’s eye view of everything at once.

2. You Want to Automate Some or All of Your Payments

Please don’t say that you’re still writing out paper checks and dropping each bill in the mailbox. While it’s noble that you’re doing your part to keep postal workers employed, we’re 18 years into the 21st century and you can literally pay every bill online now.

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There’s no need to log into every account you have and type in your routing number either.

With personal finance software you can schedule automatic payments and transfers between all of your imported accounts. Automatic transfers will help to make sure you have the necessary funds in the right account to ensure all bills are paid on the appropriate date. Late fees are annoying and do nothing but cost you money. It’s time that you said goodbye to them once and for all.

3. You Need to Streamline Your Budget

Perhaps the best feature of personal finance software is that it allows you track everything going in and out of your virtual wallet.

Nearly every brand of personal finance software out there has easy-to-read graphs and charts that allow you track every cent you spend or earn, should you choose. You might be pretty amazed when you see just how much you spent on eating out last month or if you splurged a little more than you should have on Christmas gifts last year.

Every successful business on the planet has a budget and using personal finance software can help you trim the fat on your spending in ways that affect your everyday life.

4. You Have Specific Goals to Meet

Maybe it’s paying off debt or saving for up something like a European vacation. Whatever your financial goal is, whether it’s long-term or short-term, personal finance software programs are one of the savviest ways to go about reaching those goals.

You can do everything from set spending alerts to notify you when you’re over budget to automating what percentage of your paycheck goes to things like retirement investments. The personal finance software that you choose should show you exactly how close you are to hitting those goals at any given time.

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How to Get Started

From AceMoney to Mint and Quicken, there ’s no shortage of personal finance software apps out there. Many of these programs are free to download and will allow you to pay bills, invest, monitor your net worth and credit profile, and even get a loan with the swipe of a finger.

Other programs may only offer you limited services and will require a one-time fee or subscription to unlock all that they offer. These fees can often vary from as little as two dollars to 50 bucks a month.

It’s best to start off with the free version and then gauge whether you’re able to accomplish everything you’d like or if it’s worth exploring one of the paid options. Often times the subscription programs come with assistance from financial planning and investment experts — so that can be a real benefit.

When deciding which personal finance software program to use, it’s also important to look at how many accounts you wish to monitor. Certain programs limit the number of accounts you can add. Be sure that if you have checking, credit card, and investment accounts to monitor, that you choose a service that can monitor them all.

Finally, when looking around for the right personal finance software that meets your needs, make sure that you’re comfortable with the program’s interface. It shouldn’t be expected that you recognize every single feature instantly, but if the features don’t seem readable and manageable to you, then you’re not as likely to use it and get the full benefits.

Final Thoughts

Personal finance software can go a long way in helping you to take control of your money and meeting your financial goals. It’s important to note, however, that some focus more on budgeting and expense tracking while others prioritize investing portfolios and income taxes. Explore several different programs and read reviews to find the one that’s right for you.

In this day and age, managing one’s personal finances in a secure manner that allows the user to have a real-time visual representation of their money is easier than ever before. With the numerous applications that are out there — both free and subscription-based — there’s no reason that every person can’t take control of their money and ensure they’re making smart money moves.

Featured photo credit: rawpixel via unsplash.com

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