A Mini Money Diet to Begin the Second Half of 2015

Lettuce coming up in the garden

Today begins the seventh month of 2015, a fact that amazes me. For those of you who participated in the January Money Diet, it’s been 181 days since we first decided to begin the new year with 31 days of no spending.

I caught up with a few January Money Diet participants to see how things were going, and thought you might enjoy some of their comments.

“The gains we made with the January Money Diet jump-started our emergency fund.  We’ve been able to keep it growing because of the habit of thinking before spending, which we established in January. Thanks so much for your encouragement to start 2015 off with a more mindful use of our resources.” – Annie

I have really committed to not buying new items unless the old one wears out, or they offer a significant value and improve our lives. I have not purchased any clothing, instead culling my wardrobe down to those things I really like. This way I don’t feel like I need anything new. Goodwill received multiple bags from me! Cutting extra purchases now leaves some money at the end of the month for a vacation fund. I am finally starting to realize the value of experiences over things.” – Lisa

“I think about that January challenge a lot. I don’t spend nearly as much as I use to on clothing and have toned down a lot of the other “useless” shopping. I don’t even go to the stores that much anymore.” – Lynn

A number of you expressed interest in doing a Mini Money Diet this month, and I am with you! With the year half over, I’ve been reevaluating my goals and savings plans to try and finish the year strong. I think it’s actually easier to spend less during the summer, and these are some things you might like to do during the month of July:

1. Figure Your Net Worth

If you haven’t done this exercise since January, I suggest you calculate your net worth now to see where you stand. With six months left in 2015, you still have plenty of time to get your net worth headed UP, UP, UP!

2. Enjoy Seasonal Produce and Find Alternatives to Restaurant Meals

Homemade pizza

Take-out, pizza delivery and restaurant meals can quickly derail a budget. With so much good produce in the stores and farmer’s markets right now, vow to cook easy meals from home in July and save big. Cook on the grill, enjoy garden foods and try easy stir-fries, salads or wraps loaded fresh veggies.

If you make a batch of dough ahead of time and freeze it, you can make a homemade pizza in less time than it takes to wait for delivery–for a fraction of the cost. Here’s my easy homemade pizza recipe. You can also find easy dinner ideas on my Happy Simple Suppers Pinterest board.

3. Make Adjustments to Your Savings Goals

Life happens, and you may not have saved as much as you wanted to in the first half of the year. Why not set a monthly goal to set aside in the remaining six months? If you can scrape up just $38 a week to divert to savings, you’ll have a $1000 nest egg at the end of the year.

4. Plan to Eliminate or Drastically Reduce a Debt by Year-End

Could you pay extra on your lowest debt and completely eliminate it by the end of the year? Do a little calculation, dividing the total by 6 and adding back the monthly interest payment. Could you set up an automatic payment for this amount and enjoy the peace of paying off a debt by the end of December?

5. Hold a Garage Sale While the Weather is Nice

Garage sale

If you sell items you no longer need, you’ll enjoy more space in the areas you declutter and earn extra cash to apply to debt or savings. Maybe you’ll do as well as our 2015 January Money Diet participant, Lynn:

“We had an extremely profitable garage sale and made over $600. Even better, I got rid of so many unneeded items and organized the storage area. It was a proud moment.”

I’d love to hear how your year is going, what you’re doing to save money, and whether you’ve changed any habits as a result of participating in the January Money Diet.

Here’s to a prosperous, happy 2015 for each one of you.

Hugs and happy July,

The signature for Eliza Cross

A Close-Up View of the Garden

Snow peas blooming


In late April, I posted about planting peas.

Planting Peas


I was worried that I hadn’t gotten them in the ground early enough. A couple weeks later, we had a huge spring snowstorm on Mother’s Day weekend. This week we’ve had temperatures in the 80s and 90s. The peas are hanging in there, though, thanks to regular watering… Peas blooming in the garden


…and a dense planting arrangement around a willow trellis. Peas on a willow trellis


Despite the heat, the peas are forming. Growing snow peas in the garden


I love the way my camera helps me focus on small details. It’s amazing to see the baby pea pod emerge from the blossom.

Baby snow pea pod emerging

We should be able to start picking a few peas later this week, a thought that brings me no end of joy.

How about you? What do you have coming up? I’d love to hear how your garden is growing in this lovely month of June.


The signature for Eliza Cross

A Remarkable Rose from a Sweet Grandma


Grandma C. had 17 grandchildren and 31 great-grandchildren.

Sylvia Crosslen became my step-grandmother when her son Howard married my mom Betty, some forty years ago. If you are fortunate enough to have a special relative through marriage, then you’ll understand when I say that it didn’t take long for me to not even think about the “step” part and just call her Grandma.



Sylvia and Orville Crosslen on their wedding day in 1933

Born in 1908, Sylvia traveled to Colorado on a covered wagon from Paris, Texas when she was eight years old and married Orville when she was 25. Grandma and Grandpa raised seven kids in a simple cabin in the Black Forest of Colorado Springs; my Pop was the youngest, and only boy. We’ve heard many stories about the family’s challenges and Grandma didn’t have luxuries, but she grew a fragrant, old-fashioned pink rose in her garden. In her later years–before she moved to the apartment–she gave a slip of the rose to my Mom and Pop, who carefully carried it back to Denver and planted it in their garden. When their rose became established, they in turn gave my sister and me a slip, and we each planted the roses in our gardens, too.


old fashioned rose

The tiny stalks take a while to get established, but soon they grow into a wild cascade of canes and leaves. Once a year, for just a week or so in June, the plant blooms with the most fragrant, extravagant pink roses you’ve ever seen.


Old fashioned rose

The roses are impossibly fat and packed with pink petals, and you can smell their sweet aroma across the yard in the morning.


Old fashioned rose bush

The blossoms last only for a day or two, and then they litter the grass with pink petals.


old fashioned roses fading

Grandma Sylvia “Jean” Crosslen passed in 2001 at the age of 93, but I’m thinking of her this week because her rose is blooming once again and putting on its extravagant show in the garden. I am grateful to have the offshoot of her rose bush here with me to remind me of her gentle spirit.


Old fashioned rose

We sure do miss you, Grandma.

The signature for Eliza Cross

How to Get Rid of Ants Naturally

Get rid of ants naturally

My friends, tell me if you agree with this statement:

“The depth of one’s dedication to organic gardening can be tested when one discovers a writhing mass of ants on the patio.”

The ants have set up homes in a number of areas in and around our yard, including a couple of ant mansions smack-dab in the middle of the lawn. Since I’m trying to be a good citizen and not use chemicals, I began researching natural ways to get rid of ants. I found four methods that called for ingredients I had on hand, and tried all but one:

1. The first treatment I tried was cayenne powder, which I sprinkled lavishly around the ant hills. The spicy red pepper seemed to deter the ants for a day or two, but after one rain storm they were back and frisky as ever. Was it my imagination, or did they seem to be salsa dancing as they returned?

2. Next, I sprinkled a thick line of salt around the ant hills on the pavement. (I was afraid to try this method on the grass-dwelling ants.) This just didn’t do a thing for my ants, except perhaps to raise their blood pressure levels a wee bit.

3. One site suggested pouring boiling water on the ants. I bet this works, but I just couldn’t bring myself to do it. I never said I wasn’t a wuss.

4. Finally, I read that sprinkling coffee grounds around would motivate ants to leave. This sounded like the least plausible treatment, but to my surprise the coffee grounds seemed to work and I’m not sure why.

If I were an ant, of the four choices presented here I would request the coffee ground punishment myself. Perhaps the ants are pretending to be cooperative while secretly training me to bring them caffeine.  Next, I’m imagining an ant setting up a phony blog that suggests Heath bar bits and Chardonnay as effective ant killers.

[UPDATE – Readers have suggested ground cinnamon, cinnamon oil and cornmeal as natural ant deterrents.]

How about you?

Have you ever dealt with ants in an organic way? Have you found a treatment that works to add to this list? I’d love to hear your ideas and experiences.

Hugs and happy summer,

The signature for Eliza Cross

Chewy Oatmeal Cookies Get a Boost From a Secret, Healthy Ingredient

Quinoa oatmeal cookies with dried cherries


I recently read a recipe that called for adding grated beets to meatloaf so you could trick your kids into eating a vegetable without actually knowing it.

I don’t know about your children, but I can tell you unequivocally that mine can find any vegetable fragment larger than a mustard seed in their food. This is one reason why I love adding quinoa to recipes. It adds a lovely texture along with protein and a host of nutrients, but more importantly, it imparts a subtle, nutty flavor that kids (and adults) actually like — no trickery necessary!

oatmeal quinoa cookies


Cooked quinoa is so perfect in these soft, chewy oatmeal cookies. I made this batch with dried cherries, which my kids and I love. (Don’t tell, but dried cherries also happen to be rich in antioxidants and vitamin C.)

You could substitute regular or golden raisins, or chopped, dried dates, or dried cranberries, or whatever you like.

Just don’t add any grated beets. Trust me on this.


oatmeal cookies with quinoa

Chewy Oatmeal Cookies with Quinoa and Dried Cherries

These classic cookies get a secret protein boost from healthy, nutty quinoa.

  • 1 1/2 cups flour
  • 1 teaspoon salt
  • 1/2 teaspoon baking powder
  • 1/2 teaspoon baking soda
  • 1/2 cup (1 stick) unsalted butter
  • 1/4 cup granulated sugar
  • 1/4 cup packed brown sugar
  • 1/4 cup honey
  • 2 large eggs
  • 1 teaspoon vanilla
  • 1/2 teaspoon almond extract
  • 1 cup cooked quinoa, cooled (learn how to cook perfect quinoa here)
  • 1 cup old-fashioned oats
  • 1 cup dried cherries (or substitute raisins)

Preheat oven to 375 degrees, and line a baking sheet with parchment paper.

In a medium bowl, whisk together the flour, salt, baking powder and baking soda. In a large mixing bowl, beat together the butter, sugar, brown sugar and honey with an electric mixer until light and fluffy, about 3 minutes. Add the eggs, vanilla and almond extract and beat another 2 minutes. Add flour mixture and mix just until combined. Stir in quinoa, oats and raisins and mix until combined, using your hands, if necessary.

Scoop heaping tablespoons of dough and roll into balls; arrange on the baking sheet, spaced 1 1/2 inches apart. Bake until cookies are just lightly browned around the edges, about 12 to 15 minutes. (For chewy cookies, don’t overcook.) Remove from oven and cool for five minutes before removing cookies from parchment and cooling on a wire rack. Store in a sealed container. Makes about 2 dozen cookies.


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The Quinoa QuookbookP.S. If you’ve been thinking of trying quinoa and want some easy, family-proven recipes, this week until June 1st the eBook edition of The Quinoa Quookbook is on sale at Amazon for just 99 cents.

How Does Your Garden Grow?

Pea shoots in the garden


Our garden is getting a slow but promising start this year. Here in Colorado we had snow on Mother’s Day weekend, a big wet spring storm that bent trees here but didn’t break branches.

Spring Snowstorm in Colorado


“We need the moisture” is what we Coloradans always say when this happens in May, and that moisture really did jump-start the peas we planted the weekend before.

Garden peas


The leeks are about the diameter of a pencil right now. Just ignore those dandelions.

Growing leeks in the garden


Hoping that the snow is over (dare I even say those words), we planted heirloom Amish Pie pumpkin seeds in the sunniest raised bed. I’ve never grown this type of pumpkin before, but I was won over by the charming seed packet.

heirloom pumpkin seeds


We harvested a little spring spinach last week, too.

Fresh spinach from the garden


A pretty viola that Mom gave us seems very happy in a partially shaded area of the front garden. Last year a gardening expert I interviewed suggested pine needles for mulch, and since we have an ample supply I’ve been using them quite a bit with good success.

Viola plant


Still to get in the ground:  tomato plants, basil seeds, bell and jalapeno pepper plants, and several BrazelBerries blueberry bushes I’m excited to try this year.

How about you? What have you planted, and what’s popping up in your yard? May your gardens grow exceedingly well this season.

Hugs and happy digging,

The signature for Eliza Cross

P.S. From the archives, you might enjoy 11 Frugal Gardening Ideas and 11 Easy-To-Grow Seeds You Can Direct Sow.