Gifts from the Kitchen Make the Holidays Special

cranberry-breadIt is that time of year when we think about giving special gifts to the people in our lives that mean the most to us. Your list might include teachers, neighbors, friends and co-workers. Gifts don’t have to be expensive, it is the thought behind the gesture that means the most to your friends and family. Whoever is on your list this year, think about using your kitchen as grand central for gift making. Gifts of food are heart felt and send a message that you spent time making something special that looks good and tastes yummy. These gifts say thank you in a thoughtful way. Don’t forget to include your kids in the process of cooking and assembling gifts to teach them something about budgeting and enjoying the simple pleasure of gift giving.

The way the gift is presented can be just as important as the food itself. Try to pair up containers with the food gift that will be used after the food is gone. This can be a gift that keeps on giving. Examples are a decorative plate filled with cookies, pie plate filled with your favorite pie or a trifle bowl filled with goodies. You get the idea. Another thought is to put together items that say “sit and take a break” like a loaf of quick bread paired with a pound of coffee, homemade salsa with chips and a favorite beverage. The main goal is to show that you put thought in the gift and spent time preparing the presentation.

With everyone watching their budgets this year, plan ahead to get the creative juices working by purchasing ingredients on sale and found locally. Local products in December include pecans, sweet potatoes, honey, peanuts, persimmons, satsumas and jams and jellies sold at local farmers markets. So get going and unleash your creativity, and give a few gifts from your kitchen and your heart. Have fun making these gifts, and remember to enjoy the process.

One of my favorite festive cookie is the Chocolate Crinkle. The crackle on top with the chocolate and white sugar says it is holiday time. These cookies make a good food gift as they stay firm and will last up to a week. They also freeze well if you need to make ahead of time. Package the gift by placing on a nice festive plate and wrap with clear wrap and decorate with ribbon.

Chocolate Crinkle Cookie

½ cup of shortening

1 2/3 cup sugar

2 tsp vanilla

2 eggs

Two 1 ounce squares of unsweetened chocolate (melted)

2 cups sifted all-purpose flour

2 tsp baking powder

½ tsp salt

1/3 cup of milk

½ cup chopped walnuts or pecans (optional)

Cream together the shortening, sugar and vanilla. Beat in the two eggs then add the melted chocolate.  In another bowl, sift together the flour, baking powder and salt.  Add flour mixture slowly to creamed mixture alternating with the milk until thoroughly blended.  Stir in walnuts. Chill for 3 hours.  Form in 1 – inch balls and roll in confectioners’ sugar. Place on greased cookie sheet 2 to 3 inches apart.  Bake in moderate oven at 350 degrees for 15 minutes. Cool slightly then remove from pan. Makes 48.

They are now ready to put in a container and give to friends. This cookie freezes well.

 

Prepare this nut bread then decorate with wrapping and ribbon. You might include the loaf pan as part of the gift. Include a brick of cream cheese along with a decorative butter knife for a complete package.

Cranberry Nut Bread

Ingredients

2 cups all-purpose flour

1 cup sugar

1 1/2 teaspoons baking powder

¾ teaspoon salt

1/2 teaspoon baking soda

3/4 cup orange juice

1 tablespoon grated orange peel

2 tablespoons shortening

1 egg, well beaten

1 tsp vanilla flavoring

1 1/2 cups Fresh Cranberries, coarsely chopped

1/2 cup chopped nuts (walnuts or pecans)

Directions

Preheat oven to 350 degrees. Grease a 9 x 5-inch loaf pan.  Mix together flour, sugar, baking powder, salt and baking soda in a medium mixing bowl. Stir in orange juice, orange peel, shortening and egg and vanilla. Mix until well blended. Stir in cranberries and nuts. Spread evenly in loaf pan.  Bake for 55 minutes or until a toothpick inserted in the center comes out clean. Cool on a rack for 15 minutes. Remove from pan; cool completely. Makes 1 loaf (16 slices).  Bake loaf in decorative pan as part of the gift. Make sure you cool after cooking then replace in pan and wrap as part of the gift.

 

The Real Sweet Potato Pie

Use local sweet potatoes to promote locally grown produce. After baking, cool then give as a gift in a nice pie plate. Wrap, refrigerate with instructions on reheating for serving. For added effect, bundle with whipped cream and pie knife.

Pre Preparation

Prepare your sweet potatoes for the pie mix. Select 6 – 7 large sweet potatoes and cut in half or quarters. Boil potatoes slowly for about 30 minutes. Let cool. Peel potatoes after they cool. The peel should come off very easy. Measure six cups of sweet potato in a mixing bowl. Use a stand mixer to beat the sweet potatoes and do not scrape off any mixture from beaters. This will contain the stringy part and you do not want it in your pie. Discard the strings.

Ingredients

6 cups cooked mashed sweet potatoes

1 cup evaporated milk

½ cup butter

2 tsp vanilla flavoring

2 tsp nutmeg

1 tsp butter flavoring

4 eggs

1 cup sugar

Mix all ingredients in a stand mixer until well blended. The mixture should be smooth and free of lumps. The mixture will keep in the refrigerator up to a week and may be frozen for future use. Be sure to label with date and amount before placing in freezer.

For the Pie

Place mixture in unbaked pie shell and smooth to the edges. You will need about 2 ½ cups for each 9 inch deep dish pie shell. Mini tart shells may also be used for individual pies. This recipe makes about 3 pies or 12 individual mini pie tarts. Cook at 350 degrees until puffed and browned slightly on top. About 40 minutes.

 

Visit your local farmers market to purchase local nuts, honey, produce and jams and jellies. Be sure to look for locally grown and support our area growers. For additional information about local produce visit: http://wfrec.ifas.ufl.edu/panhandle-produce-pointers/

Small Steps Are the Key to Healthy Change

drinking waterOliver Wendell Holmes, Jr. once said, “The greatest thing in the world is not so much where we are, but in which direction we are moving.” That saying holds true when it comes to our health and our finances.

Health and personal financial issues affect millions of Americans. We struggle with epidemic obesity rates, over 79 million Americans have “pre-diabetes”, debt and bankruptcy filings remain high and millions of Americans live on the “financial edge” with less than the recommended three months’ emergency fund set aside for the future. Problems that develop gradually soon become overwhelming.

Many of us, when faced with the need to change, see our problems as unbeatable and “freeze” instead of moving forward. It is true that there is no easy way to lose weight, gain wealth or become debt-free. Even drastic fixes like weight loss surgery or bankruptcy come with huge risks. So, what is the secret?

According to Former HHS Secretary Tommy G.Thompson, small steps are the key! Mr. Thompson stated, “Consumers don’t need to go to extremes – such as joining a gym or taking part in the latest diet plan – to make improvements to their health. But they do need to get active and eat healthier.” No step is too small to get started and you can never be too early or too late. Examples might include walking during your lunch break, cutting out 100 calories a day, saving the change you accumulate each day or tracking your spending for a month. Anything you do daily over a period of time will soon become a habit, or an “automated” behavior. When your healthy behaviors become automated – no matter how small – you’ve just taken a step toward physical and/or financial wellness.

In the end, your health is in your hands. Set realistic goals, take small steps to reach them, learn from the obstacles and believe that you can achieve. And remember, “In the end, the only people who fail are those who do not try.” – David Viscott

 

Adapted from Small Steps to Health and Wealth, B. O’Neill and K. Ensle, 2013.

Some Things are Too Important to Say Nothing: Talking with Your Children about Money

Child Talking to Parent

Bindaas Madhavi. (2011) Listen to Your Kids.

Most parents would not allow their child to play in the street or to touch a hot stove because parents understand that these actions have consequences and the consequences are serious. If you don’t talk with your child about money and allow them to observe you exhibiting positive financial behaviors, this can also have serious consequences. One indicator of an individual’s financial capabilities is their credit score. A poor credit score can impact an individual’s ability to get a job, secure housing, purchase reliable transportation and access other forms of credit.

According to FINRA Investor Education Foundation State Financial Education Mandates, three years after Georgia, Idaho and Texas implemented a financial education mandate, credit scores of participants improved. In 2014, Florida also voted to adopt financial education into its social studies standards for students in grades K-12 and financial education is now a graduation requirement. While incorporating financial education into schools is an important step, parents still play an important role in financial socialization (establishing what is normal in terms of financial behaviors). In fact, research shows that time preference patterns and delay of gratification patterns are set by age five or before a child reaches kindergarten. Time preference patterns and delay of gratification patterns are often exhibited by adults through savings and budgeting. In a recent study by Cho, Gutter, Kim and Mauldin, the researchers found the effects of financial socialization had significant effect on the financial behaviors of low- to moderate-income adults aged 24-66, indicating that the time preference patterns children develop in youth could last a lifetime.

UF/IFAS Extension Northwest District Family & Consumer Sciences (FCS) Agents know that, as parents, you want to protect your child or children from things that have negative consequences whether it be an inattentive driver, a hot stove, or a poor credit score. One of the things parents can do immediately, to impact what their child is learning about money and how their child is being financially socialized, is to talk with their child about money. Some ideas to get your family conversations about money started are to discuss:

– Wants versus needs

– The grocery budget

– Household expenses

– How your child can earn/save money

If you are still a little nervous about starting the conversation as a result of concerns about your own financial capabilities, contact your local UF/IFAS Extension Office and ask about our Master Money Mentor Program or upcoming financial classes. If you can’t wait for a class, check out these additional resources:

Talking to Children about Money:  http://www.ag.ndsu.edu/pubs/yf/famsci/fs1441.pdf

Are Your Children in the Middle of your Conflict or Divorce? http://goo.gl/lpXwwc

9 Important Communication Skills for Every Relationship  http://edis.ifas.ufl.edu/pdffiles/FY/FY127700.pdf

 

Remember a family conversation about money is one conversation that is too important to wait. Make a money date with your child or children today!

 

References:

Cho, Gutter, Kim and Mauldin. (2012). The Effect of Socialization and Information Source on Financial Management Behaviors among Low-and Moderate-Income Adults. Family & Consumer Science Research Journal. 40(4): 417-430

Council for Economic Education. (2015). Survey of the States. Retrieved 16 March 2015 from http://www.councilforeconed.org/news-information/survey-of-the-states/

National Financial Educators Council. (2013) Financial Education Impact. Retrieved 16 March 2015 from http://www.financialeducatorscouncil.org/financial-literacy-statistics/

America Saves Week ~ Online Challenge

America Saves Week ~ Online Challenge

Challenge picAmerica Saves Week 2015 ~ February 23 – February 28

America Saves Week is coordinated by America Saves and the American Savings Education Council. Started in 2007, the Week is an annual opportunity for organizations to promote good savings behavior and for individuals to assess their own savings status. Typically, thousands of organizations participate in the Week, reaching millions of people. This campaign encourages individuals and families to save money and build personal wealth.

The 2014 Annual National Survey Assessing Household Savings (released during America Saves Week) revealed that while most Americans are meeting immediate financial needs, they are worse off than several years ago.

  • Only about one-third of Americans feel prepared for their long-term financial future.
  • 68 percent reported they are spending less than their income and saving the difference – down from 73 percent in 2010.
  • Nearly two-thirds of respondents (64%) said they “have sufficient emergency savings to pay for unexpected expenses like car repairs or a doctor visit” – down from 71 percent in 2010.
  • 76 percent said they are reducing their consumer debt or are consumer debt-free – down from 79 percent in 2010.

To learn more about America Saves Week and Pledge to Save, visit: www.AmericaSavesWeek.org 

Set a Goal. Make a Plan. Save Automatically.

Get Involved! Events during America Saves Week include:

Ag Save$ Summit

February 23 – 9:00am CST/10:00am EST
Jackson County Extension Office, 2741 Pennsylvania Avenue, Marianna, FL 32448
(view registration link for additional locations)
FREE to register: bit.ly/AgSavesSummit

America Saves Financial Challenge – Online

February 22 – March 23
FREE to enroll: http://bit.ly/MoneyChallenge2015

Challenge Yourself to Save Money – America Saves Challenge Twitter Chat (#eXASchat)

February 24 – 2:00pm CST/3:00pm EST
Log in to Tchat.io at http://www.tchat.io/ and insert #eXASchat into the textbox that pops up so you can tweet easily and view the live Twitter stream

Where to Turn for Financial Advice – Webinar

February 25 – 11:00am CST/12:00pm EST
Free Registration: http://bit.ly/finpro2015

Personal Finance Questions – Realities & Myths – Webinar

February 26 – 11:00am CST/12:00pm EST
Free Registration: http://bit.ly/faq2015

Spring Clean Your Finances

 

2014 moneyAs you are clearing out clutter, sprucing up, and getting ready for summer, you also should start your financial spring cleaning by figuring out where you stand financially. Here are a few tips to help you get started:

1.  Get organized.

Build a personal financial filing system; get out your financial paperwork and file it in order of importance. Separate bills –  that way, you can track them as they come in, reducing the chance of missed or late payments.

Use a plastic tote for a filing cabinet – these keep your files dry and are easy to carry from one room to the next should you need to.

2.  Create a budget.

How much money do you have? Are you spending more than you earn? If you don’t have a spending record, start one. You can still get on with your financial spring cleaning today. If you haven’t been keeping a record, just make a deliberate effort to start now. Try to note all your spending for the next month, right down to the candy bar. Then, in a month’s time, you’ll be able to see where your money is going and, hopefully, see some areas where you can cut back.

3.  Pay off Debt

Now, let’s discuss what most people agonize over, but is a very important subject:  debt. If you have any debt beyond a mortgage, you should try to focus on paying off this debt as quickly as possible. It’s also important to try to negotiate your interest rates down with your credit card company if you can. Although this option may not be available to everyone, especially if your credit is not good, it’s worth trying.

If you are not successful, you can use these steps to reduce debt:

  • Stop using credit; charging new items increases the balances on what you already owe.
  • Do not open new lines of credit.
  • Request a free copy of your credit report from www.annualcreditreport.com and honestly assess the problem.  Understanding your situation helps when trying to resolve debt issues. Stop denying that you have a debt problem and work on it.  You can analyze your debts using Powerpay®. This website gives you a personalized report and plan to reduce your debt based on your input.
  • Break your debt load into manageable chunks; define your goal and focus on reducing manageable amounts.

For more information on financial education and tools to help you get out of debt; contact your local county Family & Consumer Sciences Agent.