Maybe you're recently out-of-work. Maybe school has shut down and confined you to your apartment.
Maybe you're working from home for the second consecutive week. Whatever's happened, you're likely, for the first time, needing to plan, prepare, and consume all your weekly meals from the confines of your kitchen. It's a taxing prospect, especially since grocery stores are infected zones to be avoided whenever possible. There are other options on the table, but many of us are priced out of grocery delivery services through Amazon or Peapod, or otherwise can only make it worthwhile by buying in bulk.
For those reasons, it's vital to keep fridges and pantries stocked for as long as you can, for as little money as possible, without settling for pasta so often that it plumps you up like a Christmas goose by the time this is over. So, here are five easy ways not only to stretch your money as far as possible, but also keep your meals varied, relatively healthy, and long-lasting.
1. The Ol' Slow-Cook-and-Freeze
Physically cooking requires constant focus and multitasking. But there's no cheaper and healthier way to cook than when you prepare meals yourself, using ingredients you've decided on. But cooking, while cathartic to some can be a hassle. Enter slow-cooker.
A slow-cooker, crockpot, or pressure cooker will suffice. As long as you can put food in it and then leave it alone to cook, the thing you're thinking of will be a perfect tool. Thats not just because it requires only preparatory steps—cut vegetables, thaw chicken breast, choose sauces, cover, wait—but because these things make a ton of food. Since the smallest size slow-cooker still allows six-quarts of ingredients, you're looking at a week's worth of meals (if you can make them last that long).
The freezer is your friend. Put stews in deli containers; tupperware meats indefinitely. Just as bulk-buying minimizes miscellaneous charges like delivery and service fees, bulk-cooking minimizes prep time, maximizes meal amount, and lets you cook cheap and simple ingredients like potatoes, turnips, or radishes in really interesting ways.
2. Rice (and Grains)
Let rice be your culinary staple because rice is cheap. You will find bagged rice in all sorts of uncooked varieties: brown, black, wild, forbidden, long-grain, basmati, jasmine, white. If you have a rice-cooker, you are likely already aware of the beauty freshly-cooked rice exudes. But even amateurs need no more than a pan, heat, and tap water, to cook huge amounts of rice in short amounts of time. Directions are on the bag and differ based on rice type, amount, and company, but heed them. Just two cups of rice, usually about half an average bag, will provide multiple-day's worth of sustenance.
If you're health-conscious, quinoa can be prepared and stored similarly, although at a bit more premium price point.
"Boil 'em, mash 'em, stick 'em in a stew," says Samwise Gamgee in Lord of the Rings, describing his personal precious. Potatoes are the MVP of foods because they can take so many different forms, be prepared in so many different ways, and last forever. Small potatoes (fingerlings, butterballs, etc.) can be easily boiled in bulk and thereafter last for a week in the fridge, serving dutifully as sides or meal bases or as simple, salted snacks. Sacks of potatoes, while heavy, are low-cost, and because it's rather easy to cut them, dice them, boil them, smash them, microwave them, or bake them, you can conceivably have a different form of the world's greatest starch for every meal for a week or more.
4. Canned Foods
Buy canned vegetables. Buy canned beans. Buy canned anything. Canned foods get a bad rap because their containers are often dinged and un-lasciviously-colored, but the food inside is allowed to marinate in its own juices and keeps for years. A can of beans can be a meal all on its own, usually for somewhere close to 99 cents. Get a couple cans of beans and a bag of rice and find yourself understanding why rice and beans is a beloved culinary staple the world over.
Be careful intaking too much sodium (many canned foods will have separate low-sodium versions), but with a little bit of extra time in the aisle, you can leave the store with pounds of delicious and nutritious foods to keep around for snacks (canned corn always hits the spot and goes shockingly well in guacamoles) or as meals unto themselves.
5. Vegetable-Based Proteins
Plant-based protein options are comparable in price to meat, keep longer, require far-less preparation, and are more versatile. Whether it's veggie-or-bean-based burgers, vegan sausage crumbles, faux chicken, or garden-variety tofu, the plant-based protein industry is coming up with new ways to pique our salivary glands daily. Vegetable-based options are easily thrown into any dish for extra protein and generally require no more than a quick pan saute to show their true flavors. Freezing meat is not a bad option, but that strategy requires large amounts of meat to be cooked at once, and it's generally inadvisable to re-freeze already cooked food. In contrast, vegan food can be kept for months or more.
It's easy to forget that the presidency of the United States is a government job just like any other–in that it comes with a stipulated salary and benefits.
But regardless of their bombastic rhetoric or self-serious public image, politicians are like all other government employees. The president, vice president, and legislators earn an annual income from the government in exchange for their duties, which include: executing/circumventing the law, upholding/withholding the civil liberties of American citizens, and legislating/sabotaging how societal institutions meet the needs of citizens, from healthcare to education.
If you've ever wondered what American politicians earn for all their hard work arguing across the aisle and starting Twitter feuds, look no further:
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Maybe you've had a high stress occupation before, like social work or stock trading, and fell victim to the high burnout rate of these kinds of jobs.
Or maybe you're just starting your career, and looking for something that won't take over your life but will still provide you with a good living. Whatever reason you have for looking for a high paying, low-stress job, you've come to the right place. We've compiled a list of the top 5 jobs that promise a solid paycheck without taking too much out of you.
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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.
When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.
Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.
Federally backed mortgages include:
- Fannie Mae
- Freddie Mac
- The Federal Housing Administration (FHA)
- The US Department of Veteran Affairs (VA)
- The US Department of Agriculture (USDA)
Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.
Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.
Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.
Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.
At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.
Possible Repayment Options:
You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.
Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.
Regular payment: $1000 per month
Reduced payment: $500 per month
Payment after forbearance period: $1500 (until caught up)
Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.
Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.
The Next Steps:
Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.
Have questions ready to ask. Here are some questions you should be asking:
- What fees are associated with the forbearance?
- What are all the repayment options available to you at the end of the forbearance?
- Will you be charged interest during the forbearance period?
If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.
For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.