by Heidi Copeland | Oct 16, 2020
Fall is in the air! In addition to the crisp, cool weather comes the season of two of the top consumer spending events: Halloween and the winter holidays.
Receipts add up quickly
Photo Source: Heidi Copeland
In 2019, according to the National Retail Federation’s annual survey, U.S. consumers spent $2.6 billion on Halloween candy alone, about $25 per person. This does not even take into consideration all the other bits and pieces that can go into more elaborate Halloween celebrations: decorations, entertainment and activities, costumes (for kids, adults, and animals), cosmetics, food and drink, and even stationery such as cards and party invitations. Overall, Halloween retail spending was estimated at $8.8 billion in 2019.
Next in line are the winter holidays. These include Thanksgiving, Black Friday, Small Business Saturday, Cyber Monday, Super Saturday, and Christmas. Even with the Covid-19 quarantine, consumers are on track to start the 2020 seasonal spending spike. For many, Covid-19 has provided a state of anxiety, isolation and uncertainty. The upcoming seasonal events can be a big boost in providing a bit of nostalgia, normalcy and fun.
It is important, however, to heed the words of The Cat in the Hat: It’s fun to have fun, but you have to know how!
The truth is the US economy thrives on consumer spending! But, be honest, does derailing your budget for stuff you might have to pay for later really make you feel better? Seasonal spending is the type of spending that can lead families into the New Year with stress and anxiety. Be aware of spending temptations and triggers.
Wikipedia defines temptation as a desire to engage in short-term urges for enjoyment. Anything that promises pleasure can be tempting. Triggers are a stimulus that alerts your brain and body to an old, known experience, which makes it more likely that we will engage and buy something.
For example, a trigger could be a smell. You might think, “I smell cinnamon. Cinnamon reminds me of fall at grandma’s. Her house always smelled like cinnamon.” The temptation would then be: “Cinnamon brooms are at the check-out cashier. I think I will buy one.”
Recognize what sets you up – smells, prices, product placement, etc. There is a method behind the madness of marketing, all of which is geared to attract a consumer to make a purchase. This year especially, anything that offers nostalgia, normalcy, or fun will be a hot commodity.
Knowing your values and goals, and creating a plan for spending (budget), will help you organize your spending. Know, too, it is reasonable to spend money on fun stuff this season of spending. But also remember: happiness is a sense of well-being, joy, or contentment. It is very hard to buy that!
by Julie McMillian | Jun 22, 2020
Today’s Climate
Photo Source: UF/IFAS Photo Database
Many confuse the two words climate and weather. Weather is the day to day conditions of our atmosphere. Whereas, climate refers to the average of the weather over time. Weather depicts how we dress day to day and can change often. Climate refers more to the average weather over time. We generally must prepare for our climate by buying appropriate clothing and preparing our home for longer term weather conditions.
What causes the climate to change? There are three important greenhouse gases that have dramatically increased since industrialization: carbon dioxide, nitrous oxide and methane. The increases are primarily due to our changes in land use over time. These factors make our earth’s surface temperature warmer which affects our loss of sea ice and longer fire seasons, and can contribute to extreme weather events.
Adjust the temperature
Photo Source: Julie McMillian
The question is, what can I do in my own world and community to help on an individual basis? There are several ways that we can reduce our energy use of electricity at home which will help us to contribute to the bigger picture. Some simple suggestions are when you are not using the television, computer, lights, heating and cooling, try to turn them off or down for a while. Purchasing shades or curtains for your windows can keep your house cooler in the summer and fans may be able to replace the air conditioner on some occasions. When running the air, heat or hot water heater check your thermostat for energy saving features. Try to only run the dishwasher or washing machine with full loads and be sure to clean out your lint trap in the dryer so it has good airflow. You will find you might even save a few dollars by being mindful of your energy consumption.
Next, let’s talk about reducing greenhouse gases in our yards. Composting food scraps is a great way to reduce waste from landfills and turns your waste into reusable soil. Planting trees and plants helps to reduce carbon dioxide in the atmosphere. Plants store carbon and help to regulate temperatures in the home. Another thing to consider is, where does your water run off go? If water can be routed to your garden it is a win-win.
How do we plan our food system in our home? Reducing food waste has many benefits. We can save money, help our community, conserve energy and resources just by rethinking the way we plan our meals. If we buy more unprocessed foods, there will be less packaging. If we are able to grow our own food or just eat at home more, it cuts down on trips to restaurants and stores.
These are just a few ways to get you thinking about climate change in Florida. As a citizen, we can take action by staying informed and showing our support. If we hold ourselves accountable by looking at our personal impact, we may be surprised what we are leaving behind with our footprint. For more information on healthy living or other extension related topics, contact your local UF IFAS county extension office.
Supporting information for this article can be found in the UF/IFAS Extension EDIS publications:
Science Support for Climate Change Adaptation in South Florida
Climate Change Adaptation: New Perspectives for Natural Resources Management and Conservation
Energy Efficient Homes
UF/IFAS Extension is an Equal Opportunity Institution.
by Angela Hinkle | Oct 22, 2019
Delicious, nutritious, and super helpful for today’s needs, peanut butter is a great addition to your shopping cart. But it’s more than just a tasty and healthy food that also helps those in need (more on that below). Pound for pound, peanut butter saves.
Nutty for Peanut Butter
Photo Source: Angela Hinkle
Compared to a pound of ground beef, a pound of peanut butter saves:
- Money at the grocery store. A pound of peanut butter currently comes in at around $2.50. A pound of ground beef will run you around $3.82.
- Time. It takes about 2-3 minutes to make a peanut butter and jelly sandwich. A burger at home will take you anywhere from about 8-15 minutes to prepare.
- Environmental costs. If you make a peanut butter and jelly sandwich for lunch instead of a hamburger, you can save 2.5 pounds of carbon dioxide, 133 gallons of water, and 24 square feet of crop land.
- Saturated fat. That’s the kind that tends to clog up arteries and cause health problems. Eating the PB&J gives you about 3 grams. You consume about 10 grams of saturated fat in a 90% lean quarter pound hamburger.
- Utilities. No gas, coals, or electricity is required to cook or safely store peanut butter.
- Hunger. Families in hardship situations often need help from food pantries. The most requested item from these pantries is – yes, you guessed it – peanut butter. It is shelf stable so you don’t have to worry about keeping it cold or heating it up. People like it. And it is a healthy plant-based food with fiber and oleic acid – a healthier monounsaturated fat.
Maybe you’re like me – you like a really good, juicy all-beef burger. Every once in a while, sure. But pound for pound, peanut butter really can save the day.
Here’s how you can help with the local hunger part:
- Buy peanut butter. Look for BOGOS (Buy One Get One Free Sales). Keep one for yourself. Then…
- Now through November 27, donate unopened jars of peanut butter for the Peanut Butter Challenge. Check with your Florida Panhandle UF/IFAS Extension Office for collection sites.
- All collected peanut butter will be given to local food pantries to assist hungry families in need.
So save, save, save with peanut butter. And help save a family from hunger.
Check out 2019 Peanut Butter Challenge for additional information.
Resources: https://foodtank.com/news/2013/12/why-meat-eats-resources/ and https://www.farmprogress.com/peanut/peanut-s-environmental-footprint-stretches-beyond-farm
by Heidi Copeland | Apr 30, 2019
The Consumer Financial Protection Bureau, (CFPB) has defined financial capacity as a the combination of attitude, knowledge, skills, and self-efficacy needed to make and exercise money management decisions that best fit the circumstances of one’s life, within an enabling environment that includes, but is not limited to, access to appropriate financial services.
Many of the attitudes, knowledge and skills needed to build financial capacity can be learned. People learn behavior through a variety of contexts. Children, in particular, learn through practices modeled by a parent or caregiver. In fact, research shows that parents and caregivers have the most influence on their children’s financial capability.
If you are like most parents, you probably recognize this—and you are interested in setting your kids on a good path toward financial well-being. However, many parents also say they do not always have time, tools, or personal confidence to start talking about money thinking their children will learn about it in school, later on, when they are old enough to understand.
This is most unfortunate. According to the Council for Economic Education 2018 Survey of the States, only 17 States require high school students to take a course in personal finance. So, if a parent isn’t teaching their children basic money/financial skills who is? Economical and financial literacy is a foundational element to achieving financial health and financial well-being. It is never too early (or too late) to start building this.
Talking to children about money, even in EARLY CHILDHOOD, helps children build the skills they need later in life. Early childhood education experts like to call this scaffolding. You are setting the framework…the support…the platform, encouraging financial capability milestones from early childhood into young adulthood. Children can learn the behaviors, knowledge, skills, and personal characteristics that support financial health and well-being.
Books can help start these critical early conversation. The CFPB has made it EASY! Parents can be their child’s first financial capability teacher! The University of Wisconsin-Extension Family Living Programs and the University of Wisconsin-Madison Center for Financial Security have selected books for the CFPB Money as you Grow Book Club. This program uses easy to read and understand children’s books to discuss money concepts. These books include many favorites:
- A Bargain for Frances, by Russell Hoban
- A Chair for My Mother, by Vera Williams
- Alexander, Who Used to Be Rich Last Sunday, by Judith Viorst
- Count on Pablo, by Barbara deRubertis
- Cuenta con Pablo, by Barbara deRubertis
- Curious George Saves His Pennies, by Margaret and H.AS. Rey
- Just Shopping With Mom, by Mercer Mayer
- Lemonade in Winter, by Emily Jenkins
- My Rows and Piles of Coins, by Tololwa M. Mollel
- Ox-Cart Man, by Donald Hall
- Sheep in a Shop, by Nancy Shaw
- The Berenstain Bears & Mama’s New Job, by Stan & Jan Berenstain
- The Berenstain Bears’ Trouble With Money by Stan and Jan Berenstain
- The Purse, by Kathy Caple
- The Rag Coat, by Lauren Mills
- Those Shoes, by Maribeth Boelts
- Tia Isa Wants a Car, by Meg Medina
- Tia Isa Quiere un Carro, by Meg Medina
Fortunately, many of the building blocks for good financial decision making – like self-regulation, patience, planning, and problem-solving – do not require a lot of financial know-how.
Reading books with children is a creative way to learn about the many sides of money management. Pick up a few of the titles at your local library and influence your children’s financial capability. Building good habits leads to a life of good financial health and well-being.
Example of key ideas from reading books:
| PLANNING |
How Children Show It |
| Making Decisions |
Can look at a few choices and select on what will bring the best results. |
| Setting Goals |
Can follow a multi–step plan. |
| Prioritizing |
Can prioritize choices when they want two or more things at once. |
| Solving problems
|
Can describe problems and come up with a few idea to make things better. |
| MONEY |
|
| Earning |
Can identify the different jobs people in the family and in the community do to earn money and keep it safe. |
| Spending |
Make spending choices with their own money – real or play. |
| Saving |
Keeps money in a safe place and keeps track of amount saved for future spending. |
| Sharing and borrowing |
Can explain the difference between lending and giving something away. |
| ME |
|
| Self-control |
Can talk about times when they were able to wait and how they were able to do it. |
| Follow-through |
Can identify who they can turn to for help reaching a goal, or what tools or tricks might help them stick with a plan. |
| Staying true to yourself |
Name one special thing they like about themselves and their loved ones. |
| Flexibility |
Can talk about a time when their plans did not turn out how they wanted and what they did instead. |
Resource: https://www.consumerfinance.gov/consumer-tools/money-as-you-grow/
by Dorothy C. Lee | Jul 30, 2018
Instant Pot settings display. Photo source: Wendy Meredith
An Instant Pot Pressure Cooker is a small electronic multi-cooker appliance that can function as a pressure cooker, slow cooker, rice cooker, steamer, warmer, and more. It is often referred to as an Instant Pot. It is currently the hottest trend in home cooking.
An Instant Pot Cooker can prepare just about any type of food you can imagine. Poultry, beef, and pork recipes, soups, stews, bread, and even desserts.
Considering today’s fast paced lifestyle the Instant Pot is a time saving kitchen helper. Spend a few minutes preparing the recipe ingredients, program the Instant Pot and relax. The Instant Pot cooking method takes the stress out of long cooking times and of meal preparation.
Instant Pot cookers are available in a variety of sizes, styles, and functions. The function of an Instant Pot is based on the model purchased. Many brands are available. Basic functions present in most models consist of slow cooker, pressure canner, steamer, rice cooker, yogurt maker, egg cooker, sauté or browner, and warmer.
When purchasing a multi-cooker consider the usage and quantity of food to be prepared. A 3-quart cooker is just the right size for single servings. Family sizes are available as 6-quart (4-6 servings) or 8 -quart (6-8 servings).
The benefits of an Instant Pot cooker are numerous. No need for constant or frequent stirring, no worry about overcooking or burning, saves energy based on quick cooking times required for recipes and less small kitchen appliances needed for preparation.
Traditionally beef stew and less tender cuts of meat take hours of cooking to render tender. The Instant Pot Cooker dishes up these delicious dishes in under an hour.
Corned Beef Cabbage*
2 pounds corned beef
2 cups chicken broth
2 cups water
3 bay leaves
8 peppercorns
¼ cup apple cider vinegar
8 medium red or white potatoes
8 cups coarsely sliced cabbage
Place beef in cooker. Add stock, water, bay leaves, peppercorns, and vinegar in cooker. Cook for 90 on meat/stew setting. Remove corned beef. Add vegetables; cook on high pressure for 4-5 minutes.
*Follow directions listed on Instant Pot instruction manual for programming cooker.
Instant Pot cooking is easy, economical and quick.
Recipe adapted from Cooks’ Essentials.
