Marshmallow Fudge

Marshmallow Fudge

You will need:
12 ounces semisweet chocolate, chopped
2 14-ounce cans sweetened condensed milk
1½ cups miniature marshmallows

Heat the milk and pour over the chocolate; stir until melted. Stir in the marshmallows. Pour into a parchment-lined 8-inch square baking pan and refrigerate until firm, at least 12 hours. Cut into 36 squares. 

http://www.realsimple.com/food-recipes/recipe-collections-favorites/desserts/start-with-semisweet-chocolate-00000000028264/page2.html

7 Easy Ways To Keep Food Costs Down

Food prices could be a significant portion of your budget, and the bad news is that they are not getting any cheaper. Depending on where you live and the selection of local stores, some food can be extraordinary expensive compared to the norm. For instance, fresh fruits and vegetables in my new neighborhood are a lot more expensive than what I was used to back in New York.
[In Pictures: 12 Money Mistakes Almost Everyone Makes]
The good news is that you can still keep food expenses manageable if you follow these easy to follow tips.
1. Plan your shopping trips. If you plan your grocery shopping carefully, you can significantly reduce your costs. For instance, Costco offers much better value than our local supermarket for fruits, vegetables, and meats. Instead of buying everything we need from the local supermarket, we plan a trip to Costco about once or twice a month and buy most of what we need in bulk, and limit local supermarket shopping to things that run out in between, or things that are easily perishable.
2. Eat more vegetarian based meals. Vegetarian meals are not always cheaper than non-vegetarian ones, but on average vegetables are cheaper than meat. It certainly is not practical for a family to suddenly switch from meat-based meals to vegetarian meals just to save money. However, making vegetables a larger part of each meal, or even planning one vegetarian meal per week is not out of reach for most families. There are many vegetarian recipes available online and off. Try out a few things until you can find ones that the whole family enjoys.
3. Start your meals with a soup. Soups are easy to make and one pot can last several meals. You can cook once in a large quantity and save the rest for other days. They are also great at curbing your appetite and cut down your overall food expenses. Now that we are going into the winter months, they are also great at keeping you warm and comfy.
4. Bring your breakfast and lunch from home. Eating out daily adds up very quickly. Even relatively cheap breakfast and lunch could easily add up to $10 per day--that's $50 a week! A loaf of sliced bread is only $2 to $3 and a jar of peanut butter could last you the entire month. In short, your monthly breakfast cost could be as little as $10 to $15. The same bread could be combined with lettuce and sliced ham to make lunch sandwiches. You could easily save $150 or more a month this way. If you don't want to make lunch everyday, just cook a little extra dinner each night and pack the leftover for lunch.
5. Minimize waste. This one is obvious. Everything we buy is almost always too big, and this includes food that you buy in restaurants. Most entrees you buy today can feed two people...at least. Unfortunately, this tends to create bad habits that get carried to the home front. If you find yourself pitching a bit of food into the garbage each night, it's a good time to start adjusting. Another area of waste, and probably a bigger one, is stockpiling too much food and not be able to use them all before they expire or go bad. If you find yourself with a stuffed refrigerator and have to empty it out every once in a while, reconsider your grocery shopping plan and adjust downward. Eating the fresh food first and less perishable stuff later can really helps cut down on spoiled or unused food, and that means saving more money.[Visit the U.S. News My Money blog for the best money advice from around the web.]
6. Use your pantry. Some people have the tendency to stockpile their pantry -- things go in, but rarely come out. If you are a hoarder, take a close look at your pantry and plan your meals around it. If you are bolder, plan your meals around the stuff that are about to go bad. Mix and match pantry food with fresh food to keep your meals palatable. Your pantry and your pocketbook will thank you.
7. Clip coupons. Last but not least, take advantage of discount coupons and membership cards. Stores offer coupons and discounts to loyal members all the time, you just have to keep your eyes out for these special deals and take advantage of the savings. With coupons and discounts, you will have to be a little more flexible with your meal plan, but it's well worth it.

re you feeling the crunch at the supermarket? How do you plan to save money on your meals?
Pinyo is the owner of Moolanomy Personal Finance Blog, which covers a wide range of personal finance and investing topics, with features that include reviews, comparison guides, and Q&A sections.
http://sg.finance.yahoo.com/news/7-Easy-Ways-To-Keep-Food-usnews-3897643954.html

Comments:
watermelon and kool-aid are cheap
yes right thing to do is to save.. eat more vegetables and fruits ..more to save ..more healthy lifestyle we should learn.

Brownie Crinkles Recipe

Throw together these delightful morsels in a snap by adding two ingredients to Teresa's Brownie Mix. The crinkle-topped cookies are crunchy outside and chewy inside.

• 18 Servings
• Prep/Total Time: 30 min.

Ingredients

• 4 cups Fudge Brownie Mix (recipe also in Recipe Finder)
• 2 eggs
• 2 teaspoons Spice Islands®, All Natural, No Corn Syrup Added, Pure Vanilla Extract

Directions

• In a large bowl, combine the brownie mix, eggs and vanilla; mix well.
• Drop by tablespoonfuls 2 in. apart onto ungreased baking sheet. Bake at 375° for 8-10 minutes or until the tops are cracked. Cool for 2 minutes before removing from pans to wire racks to cool completely. Yield: about 3 dozen.
•  
• http://www.tasteofhome.com/Recipes/Brownie-Crinkles

Peanut Butter-Filled Brownie Cupcakes Recipe

• 12 Servings
• Prep: 15 min. Bake: 20 min. + cooling
•  
• I have made this outstandingly delicious recipe for years. These rich cupcakes are sure to delight everyone you make them for. —Carol Gillespie, Chambersburg, Pennsylvania
•  
•  

Ingredients

• 1 package fudge brownie mix (8-inch square pan size)
• 1/2 cup HERSHEY’®S Mini Chips Semi-Sweet Chocolate Chips
• 1/3 cup creamy peanut butter
• 3 tablespoons cream cheese, softened
• 1 egg
• 1/4 cup sugar
• 1/2 teaspoon confectioners' sugar

Directions

• Prepare brownie batter according to package directions; stir in chocolate chips. For filling, in a small bowl, beat peanut butter, cream cheese, egg and sugar until smooth.
• Fill paper-lined muffin cups one-third full with batter. Drop filling by teaspoonfuls into the center of each cupcake. Cover with remaining batter.
• Bake at 350° for 15-20 minutes or until a toothpick inserted in brownie portion comes out clean. Cool for 10 minutes before removing from pan to a wire rack to cool completely. Dust with confectioners' sugar. Store in the refrigerator. Yield: 1 dozen.

Nutrition Facts: 1 cupcake equals 328 calories, 18 g fat (5 g saturated fat), 40 mg cholesterol, 201 mg sodium, 39 g carbohydrate, 2 g fiber, 5 g protein. 

http://www.tasteofhome.com/Recipes/Peanut-Butter-Filled-Brownie-Cupcakes

Brownie Cups Recipe

rom Spearville, Kansas, Merrill Powers shares this recipe for individual brownie-like cupcakes studded with pecan pieces. "This crinkly tops of these chewy treats are so pretty that they don't even need frosting," she relates.

• 18 Servings
• Prep: 15 min. Bake: 35 min.

Ingredients

• 1 cup butter
• 1 cup (6 ounces) semisweet chocolate chips
• 1 cup chopped pecans
• 4 eggs
• 1-1/2 cups sugar
• 1 cup all-purpose flour
• 1 teaspoon Spice Islands®, All Natural, No Corn Syrup Added, Pure Vanilla Extract

Directions

• In a small saucepan over low heat, melt the butter and chocolate chips, stirring until smooth. Cool. Add pecans; stir until well-coated. In a large bowl, combine the eggs, sugar, flour and vanilla. Fold in chocolate mixture.
• Fill paper-lined muffin cups two-thirds full. Bake at 325° for 35-38 minutes or until a toothpick inserted near the center comes out clean. Remove from pans to wire racks to cool. Yield: about 1-1/2 dozen.
  
  Editor's Note: This recipe contains no leavening.

Nutrition Facts: 1 serving (1 each) equals 286 calories, 19 g fat (9 g saturated fat), 74 mg cholesterol, 118 mg sodium, 29 g carbohydrate, 1 g fiber, 3 g protein.

Cupcake Brownies Recipe

• 18 Servings
• Prep: 15 min. + cooling Bake: 20 min. + cooling 

Ingredients

• 1 cup butter, cubed
• 4 ounces semisweet chocolate
• 4 eggs
• 1-3/4 cups sugar
• 1 teaspoon Spice Islands®, All Natural, No Corn Syrup Added, Pure Vanilla Extract
• 1 cup all-purpose flour
• 1-1/2 cups chopped pecans

Directions

• In a microwave, melt butter and chocolate; stir until smooth. Cool for 10 minutes.
• In a large bowl, beat eggs and sugar until blended. Beat in vanilla and chocolate mixture; gradually stir in flour and nuts.
• Fill greased or paper-lined muffin cups two-thirds full. Bake at 350° for 18-20 minutes or until a toothpick comes out clean. Cool. Yield: about 1-1/2 dozen.

Nutrition Facts: 1 serving (1 each) equals 283 calories, 19 g fat (8 g saturated fat), 74 mg cholesterol, 117 mg sodium, 27 g carbohydrate, 1 g fiber, 3 g protein.

http://www.tasteofhome.com/Recipes/Cupcake-Brownies

Scrabble Brownies Recipe

One bite will send snackers scrambling for their dictionaries to describe these unbeatable blond brownies. With a nutty texture and chocolaty frosting, the treats are letter-perfect for dessert.

• 60 Servings
• Prep: 20 min. Bake: 25 min. + cooling

Ingredients

• 1 cup butter, softened
• 3 cups packed brown sugar
• 4 eggs
• 2 teaspoons Spice Islands®, All Natural, No Corn Syrup Added, Pure Vanilla Extract
• 3 cups all-purpose flour
• 1 teaspoon baking powder
• 1 teaspoon salt
• 1 cup chopped nuts
• 1 can (16 ounces) chocolate frosting
• 1 cup vanilla frosting

Directions

• In a large bowl, cream the butter and brown sugar until light and fluffy. Add eggs, one at a time, beating well after each addition. Beat in vanilla. Combine the flour, baking powder and salt; add to the creamed mixture and mix well. Fold in nuts.
• Spread into a greased 15-in. x 10-in. x 1-in. baking pan. Bake at 350° for 25-30 minutes or until a toothpick comes out clean. Cool.
• Frost brownies with chocolate frosting. Cut into 1-1/2-in. squares. Place vanilla frosting in a small heavy-duty resealable plastic bag; cut an 1/8-in. hole in one corner. Pipe letters on brownies and arrange on a serving platter to form words. Yield: 5 dozen.

Nutrition Facts: 1 serving (1 each) equals 159 calories, 7 g fat (3 g saturated fat), 22 mg cholesterol, 112 mg sodium, 23 g carbohydrate, trace fiber, 2 g protein. 

http://www.tasteofhome.com/Recipes/Scrabble-Brownies

7 Money Tips for Twentysomethings

David B. Armstrong, On Saturday 20 November 2010, 1:55 SGT

It's easy to look back, ask,"What if?" and second guess all the decisions I've made in the past 43 years. I have been fortunate to have no major regrets and a whole lot to be thankful for. However, there are some things I would have paid more attention to and done differently if I could go back and relive my early 20s.
Here's a list for all of you in your 20s, as well as for some parents to consider if you have children graduating from college soon:
1. Don't rack up credit card debt, and pay any debts off quickly. Seems simple and downright obvious, but taking on debt is easy to do. The transition from college to the working world can be expensive--new clothes, shoes, apartment, furniture, and other business-world expenses can make it easy to quickly pile on debt. Budget for these expenses, and if credit must be used to get going, have a plan in advance for paying it down.
2. Contribute to your 401(k). Just do it. Retirement contributions build up fast, often have an employer matching contribution, and are saved before taxes. Look at it as savings with an instant profit.
[See 6 Strategies for Funding Your 401(k)]
3. Start a savings plan early. The best time to start a savings plan is before you are used to having extra money in the first place. A good rule of thumb: Use 50 percent of your after-tax paycheck (excluding 401(k) contributions, of course) to pay for the non-negotiable "needs-based" expenses in your life, like rent and food. Use 35 percent for negotiable "wants-based" expenses--entertainment and other costs can scale back quickly if needed. Save 15 percent. Your goal here should be to save about six months of your pay.
4. Don't try to keep up with the Jones's. There is no need to buy the best brand of everything right out of college. People in their 20s who are driving expensive cars, living in luxury apartments, and buying the most expensive clothes either already have money from something other than their first job or they are piling on debt--which isn't smart.
5. Pay off your highest interest-rate debt first. Hint: It's not always the debt with the highest balance. The debt with the highest interest rate is probably the credit card you ran up on bar tabs and that Spring Break trip in the final year of school. Pay that off first. Your student loans, while they carry a big balance and are possibly the scariest in terms of size, probably have a reasonable interest rate relative to any credit card debt.
6. Save four months of your salary in cash before you start investing after-tax money in an investment plan. This may take a while, but the journey of a thousand miles always begins with one step. This is important because if you lose your job, you'll need to make sure you are not forced to sell your few assets at fire-sale prices or default on debt payments at a young age. It will keep you from a panic and keep you from moving back into mom and dad's place.
[See How to Teach Your Child Money Habits for Life.]
This also gets easier,because once you have the first four months saved, you can apply that savings discipline toward an after-tax investment strategy, and as salary raises come along, you can tune up your savings plan to raise your cash balance over the course of six months to a year.
7. Be patient. It's easy to "want." Be patient; with hard work and good fiscal discipline, you will amass a nice portfolio that allows you to realize all the hopes and dreams you may have for later in life. There are probably a lot more major financial events in your future, and you'll want the flexibility to make proper decisions when the time comes.
Having cash, savings, and an investment portfolio that allow you the flexibility to take advantage of opportunities down the road will really help.
If you remember nothing else, remember this: While it seems like your life is full right now, there is probably a lot coming up--such as a first home, graduate school, and maybe even, gasp, kids!
David B. Armstrong CFA, is a Managing Director and co-founder of Monument Wealth Management in Alexandria VA, a full service Private Wealth Planning and wealth management firm. Monument Wealth Management is backed by LPL Financial, the independent broker-dealer and Registered Investment Advisor. He has been named one of America's Top 100 Financial Advisors for two straight years by Registered Rep magazine (2009 & 2010) based on asset under management. David and Monument Wealth Management can be followed on their blog at "Off The Wall", their Twitter account @MonumentWealth, and on their Facebook page. Member FINRA/SIPC.
*The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendation for individual. To determine which investment is appropriate please consult your financial advisor prior to investing. All performance references is historical and is not guarantee of future results. Securities and financial planning offered through LPL Financial, Member FINRA/SIPC.

http://sg.finance.yahoo.com/news/7-Money-Tips-for-usnews-3057985594.html 


comment:
I can save 75% off my pay every month. Done use credit card if u need it use debit card, i walking more then i take transport. Bring your own meal from home, no need buy meal from outside, My saving 15year is S$x,xxx,xxx.00.
I can make it, you all also can make it.