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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 April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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