Cheap And Easy Meals For Vegetarians

Cheap And Easy Meals For Vegetarians

These easy recipes for Vegetable Biryani and Lentil Cheese Bake combine to make a flavorful and healthy budget dinner for vegetarians. They each serve 4 people.

A healthy vegetarian dinner for four can be created with these easy recipes that use store cupboard items. Made from inexpensive ingredients that are available year-round, the recipes suit those who are on a budget.

These dishes look good and taste great with a mingling of interesting flavors to tempt the taste buds. Even non-vegetarians will enjoy these recipes as side dishes to their meat meals.

If there are any leftovers, they can be re-heated gently the next day in the microwave.

Vegetable Biryani Dinner Recipe

vegetable biryani

The secret to making a good biryani is not to stir the rice while it is cooking!


  • 1 onion
  • 2 tablespoons olive oil
  • 2 teaspoons curry powder
  • 1/2 teaspoon cinnamon
  • 1/2 teaspoon ginger
  • 425 mls water
  • 1 tablespoon tomato paste
  • 1 carrot, diced small
  • 225g long grain rice
  • 75g sultanas
  • 175g peas (frozen)


    1. Slice the onion finely and dice into small pieces.

    2. In a large saucepan, gently fry onion in the oil for 5 minutes till soft but not browned.

    3. Stir in the curry powder, cinnamon and ginger and fry for 2 minutes to release the flavours of the spices.

    4. Mix the tomato paste with the water and add to the saucepan with the carrot. Bring to the boil.

    5. Add the rice and raisins, cover the saucepan, turn down the heat and let gently simmer for 20 minutes. Do not stir during this time.

    6. In the microwave, or in a separate saucepan, cook the frozen peas.

    7. After the 20 minutes, check to see if the rice is cooked by tasting a few grains. The rice should fluff up with a fork, having absorbed most of the liquid.

    8. Add the cooked peas to the rice and serve.

Lentil Cheese Bake Recipe

Lentil Cheese Bake Recipe

Using canned food from your store cupboard and some fresh vegetables, this recipe for Lentil Cheese Bake can be made throughout the year as part of a filling and tasty vegetarian dinner.


  • 375g red lentils
  • 2 onions, chopped finely
  • 1 can tomatoes
  • 2 cups water
  • 1 can sweetcorn kernels
  • 1/2 green capsicum, diced
  • 1/2 cup celery, diced
  • 2 tablespoons parsley, finely chopped
  • 1 1/2 cups grated tasty cheese


    1. In a casserole dish, put the lentils, chopped onions, tomatoes and water. Cover casserole.

    2. Bake at 200 degrees Celsius for 35 minutes, stirring once during the cooking time.

    3. Add the corn, capsicum,celery and parsley. Mix in well.

    4. Bake, covered, for another 10 minutes.

    5. Uncover and sprinkle the top of the Lentil Cheese Bake with the grated cheese.

    6. Grill until it is golden and bubbling.

Together with a green salad, the Vegetable Biryani and Lentil Cheese Bake provide a satisfying, easy, budget, vegetarian dinner that will have the family wanting more!


Where To Order Meat Online To Be Delivered

Where To Order Meat Online To Be Delivered

Many of our readers are confined to their homes and need food to put on the table. Sure, local grocery stores are open, but most shelves are empty, and they are booked out days and days in advance for home delivery.

We've done the research to find online stores that deliver meat, as meat is a big staple in most diets. And we guarantee that the meats we are recommending is better than any local grocery store meat. And the best part is that you are ordering and paying online, there will be no money exchanged, and the order will be delivered directly to your doorstep avoiding human interaction.

Whether you are looking to purchase beef, chicken, seafood or other meats, we've found the best places where to order meat online to be delivered.

Order Meat Online Delivered To Your Door

Where To Order Meat Online To Be Delivered

How To Put Your Savings On Autopilot

How To Put Your Savings On Autopilot

Putting a little money away for a rainy day isn’t always easy. You may have some good intentions, but at the end of the day, there just isn’t any money left. Somehow whatever you make is spend before you make it to the next paycheck.

Start by making a personal budget. Take a look at what you bring in each month. Next, write down your fixed expenses. These are things like rent, car payments, utilities etc. Figure out how much you need each month for groceries and other essentials. This is your bare bones budget. It’s good to know what you need to get by each month.

Next it’s time for a little bit of math. Start with what you bring in each month and subtract all your core expenses. What you’re left with is your discretional income. This will pay for entertainment, clothes, getting your nails done etc. And from here on out, part of that discretional income will go into a savings account.

Pick a number you’re comfortable with. Maybe that’s just $20 per month, maybe it’s $500. Put it in your budget and treat it like any other bill. It won’t take you long to get into the habit of setting aside that money for savings.

To make it even more hands-off, talk to your bank about setting up a separate savings account. Then set up an auto-deposit to have the savings transferred to the new account as soon as your pay check comes in each month. If you don’t see it, you’ll never miss it and your savings will run on autopilot.

Don’t forget to audit your savings from time to time. Take another look at your budget. Can you increase your savings a little more? Another great way to boost that savings account is to take any extra money – thinks like birthday cash, tax return, bonuses etc. – and put them straight into the savings account. Again, you won’t even miss the money, but it will help you build up your savings quickly.

Make sure your savings are sitting in an interest bearing account. Since you won’t be touching this money unless it’s a dire emergency, you should be able to earn at least a little interest. Talk to your banker about your best options and start putting your savings on autopilot.

One last tip: Talk to your employer about matching 401K funds. You may be able to get a contribution from the company you work for towards your retirement savings account.

You May Be Paying Too Much For Insurance

You May Be Paying Too Much For Insurance

Many times, certain things happen unexpectedly wrong. The place where we live burns so rapidly all in one go, there comes an earthquake, our car strikes into something, or we get bit out of sorts, there comes a possibility that we have to suffer such loses for which we have to pay heavily that even we can’t afford. Due to efforts of some people in the past years, we are now able to overcome those storms without being involved in any risk factor. We can help each other by spreading the risk among us as a group, and that’s what insurance does.

Let us first tell you what exactly is insurance and how does it work?

What is insurance?

Insurance is a promise by the insurance companies that they would compensate for specific losses occurred by ill-fate i.e. any natural disaster, illness, death, fire etc.

If we buy an insurance policy it will reduce the rate of risk factor by being transferred from us to the company. In actual, the there is no complexity in Insurance. It’s a simple way to proceed. We have to pay a particular amount to as insurance company that is known as Premium. In case, if certain tragedy happens, that can be enveloped by policy words, either lost or damaged items can be repaired or replaced by our insurer or they pays wholesome amount of it.

Kinds of insurance you need

Everyone knows many kinds of insurance exist such as life insurance, health insurance, car insurance, rental and home insurance, etc. but you do not need every kind of insurance. The exact type of insurance you need can be decided by your circumstances and your outlook. Before buying any insurance, you must mention following four questions directly;

  • Explain the risk I would be insuring averse to?

It could be a sudden death factor, burning at home or car being stolen or being severely sick and under treatment.

  • Mention the number of chances for it being occurred

There exist a small probability of fire at home but if it happens, you have to pay heavily for it. The risks of car being stolen are high but it won’t cost you as high as losing your home.

  • What will happen if it occurs?

What happens if you die or your home gets fire or your car gets stolen? Will you be able to bear the expenses?

  • How much would it cost?

May be you have enough balance saved to overcome the cost or maybe you surely want to use your balance for this.

Purchasing insurance

Purchasing insurance from the providers of insurance will help you to buy around and compare quotes and cover. Maximum tasks for this are being done online. There are many different types of insurance covers and insurance policies. The insurance brokers and companies are always available for you help. They will explain how the policies work; they can find you one suited to your circumstances and even help in claiming. All these insurance companies, insurance brokers and financial advisors have to follow the protocol and get registered on the official government website Financial Service Providers Register (FSPR). Please note that this is for New Zealand only and varies from state to state and country to country.

Here are the few tips that you must keep in mind when buying a policy.

  • Read the policy carefully.
  • Always choose the right excess.
  • Have an emergency fund.
  • Be honest and tell the truth.
  • Shop around.
  • Don’t double up.
  • Combine insurance.
  • Look for a credible.
  • Take precautions.

Right cover is the key

All the insurance policies are not same. They have different rules and regulations. It’s better to compare policies as the decision will become easier for you. Go for the right cover as two policies can have same price. For example, a trauma policy will only cover certain named diseases, not all illnesses or injuries. There are few cheaper house policies which cover specific events such as fire, theft etc. but not all risks.

Also, some policies will pay for the damaged or stolen items. Others may only pay ‘present value’. If you want to know all the details, go to Insurance Council website. All insurance policies have different conditions and exclusions. These exclusions are for unfavorable events that take place without your control.

The crux of this discussion is that read the policy carefully. Know the terms and conditions in detail. Clear your mind; otherwise you may be paying money for policy that will not help you when you need it the most.

Making claims

In a perfect world, you would call an insurer and get fixed what is broken. But the world we live in is not perfect. Here, the process of claim is a little more complicated than that. There should not be any misunderstanding about the claim. Your claim will vary according to the type of insurance you need (home, life, health etc.).

The procedure for every insurance claim is quite same with a slight difference. Claims for home owners and car insurance require same basic steps. Claims for health insurance are slightly different.

  • Step 1

Make the right phone call. No matter what kind of claim you are filling, get in touch with your insurer as soon as possible. The faster you get the ball rolling, the sooner you will receive the outcome.

  • Step 2

Fill out the required forms. After you have contacted your insurer, they will send you few forms to fill. Many insurance companies give facility to fill online forms which makes process much smoother and quicker.

  • Step 3

Get your damages assessed. Most insurance companies will ask you to get damages priced by an approved party to make sure that they are paying you a right amount.

  • Step 4

Cover your deductible. You have to cover your deductible in full before insurance company will fork over its share of the total cost.

Make sure that you contact your insurer soon after the damage happens. The settler may choose to settle the claim by paying a sum of money. They may or may not repair or replace the items that have been damaged. In most policies, there is a value you have to pay as the first step of the claim. Be honest as insurance companies are wary of fraud and they will investigate if they have a slightest doubt of betrayal.

The amount of time it takes to settle a claim depends on different factors. It also depends on the severity and complexity of damage, how you quickly contact the insurer, how soon an adjuster is available, whether the company is handling multiple claims at once such as in case of natural disaster and so on. Considering all these factors, it is hard to tell the average time for claim settlement. The best thing you could do to settle claim in a timely fashion is to file as soon as possible and stay in constant contact with your insurer.

You May Be Paying Too Much For Insurance

What Does It Mean To Be A Smart Consumer?

What Does It Mean To Be A Smart Consumer?

To understand the meaning of a consumer, we should look at the definition of it. In simple words, a consumer is a person or any organization that buys products or services. It may also refer to hiring goods and services. They are the end users in the distribution chain of goods and services. Sometimes, the buyer and the consumer are different people. For example, children are the end users of toys but their parents buy toys for them. Therefore, in a market, buyers and consumers can be different people.

In a marketplace, consumer buy products for their own use. They are the final consumers. They do not buy products for further manufacturing or sale. Specifically, people engage in buying and evaluating products to satisfy their needs and wants. Consumers are the key figures in market place. All the activities in the market depend on the consumers only.

We can say consumers are the most powerful entity in the market as the whole market business depends on them. Makers of goods or marketing professionals spend their lives studying behavior of consumers. The study of the process of buying and discarding goods is called consumer behavior.

Let us come back to our main concern. We have talked about consumer, but what does it take to be a smart consumer?

There is a difference between consumer and a smart consumer. A smart consumer knows what to buy exactly and from where. He does not beat about the bush. He has a strategy to follow. You can also become a smart consumer. It is an easy task. All you need is a little observation and more effort to buy your desired product. A smart consumer follows a plan. Few steps that we have gathered for you on your way of becoming a smart consumer are listed below:

  • Set a goal (confirm your buying product)
  • List available resources (places from where you can buy)
  • Choose from the resources (from where you will buy)
  • Form a plan of action and then follow it.

Sales persons spend a career studying their consumers. They easily know if you are an easy mark. There is a huge difference between a sucker and a smart consumer. Do not be a sucker. Instead, use your money wisely and be a smart consumer. Their goal is to find out what makes you tick. They easily understand what compels you to buy a certain product. In a market place, marketers study their customers using test marketing, sophisticated analytics and outside consultants. They are intelligent but you have to be smart. Here we are giving you five signs of a smart consumer.

  • Self control

If you can easily walk past a sale sign, there is a pretty good chance that you won’t fall for a fast sales pitch. It is hard to resist, especially for women, a sale sign anywhere. These companies study you like a lab rat. If you can resist their corporate moves, you are a smart consumer.

  • Patience

Patience is the key to becoming a smart consumer. There is a huge difference between “a want” and “a need”. You should know the difference between the two. Always buy the product that you really need. We want thousand of things but cannot buy all of them. It is wise to buy only needed items. So be patient with your wants.

  • Politeness

Politeness is the trait of a smart consumer. Believe it or not, smart consumers know that their manners are the way to get what they want. If you want a special discount or a special consideration, rudeness will rarely get it for you. Always be polite in your manners. Smiling, making eye-contact and saying “please” and “thank you” are the best ways to win over the sales person.

  • Thoroughness

Do you always read the end-user agreement or the contract? If yes, you are already a smart consumer. Suckers only want the product they desire, they do not care about the agreement or contract. If someone catches you reading the fine print on a product, they will understand that you are not an easy prey.

  • Frugality

If you immediately give an impression that you are willing to spend your money, you will be an easy mark for them. The sales staff will be drawn to you and they will not let you go until you have spent a big chunk of your money. Do not buy an overpriced and overhyped item. They profit from your ignorance. A smart consumer does not become a part of bandwagon as everyone invites you to become a part of the crowd by using it too snob appeal.  So know it all before going to buy any product.

As a consumer, you should also be aware of your rights.

  • Right to safety: Protection from products and services hazardous to your health.
  • Right to be informed: You should be provided with useful and truthful product facts.
  • Right to choose:  Selection of goods and services at a fair price.
  • Right to voice:  if you have a problem purchasing a specific product, it is your right to be heard.

With rights come responsibilities, consumers should also be aware of their responsibilities.

  • A consumer should use the product safely.
  • Use the information on the product wisely.
  • If you have any concern regarding the product, express your concerns to those who can help you.
  • Choose the product carefully.
  • Educate yourself about the product.
  • Consume your product in a healthy environment.

If we move further, there are also consumer protection laws. Most of the consumers are unaware about the laws. Firstly, consumers should be aware of the consumer protection. Consumer protection stands for group of laws specifically made to ensure the rights of consumers. They also manage if there is a fair trade, healthy competition and accurate information in the market. The government organizations such as the Federal Trade Commission in America and Better Business Bureaus in America, Canada, and England etc. provide services to consumers for their protection from frauds.  Consumer protection contributes and gives a healthy space to effective markets so that their business can grow.

A smart consumer is always aware of his rights and responsibilities as he is the key figure in running big businesses. He should be aware of consumer protection policies, laws and regulations as they help increase consumer welfare by ensuring that businesses can be held accountable.

8 Ways To Be A Smart Consumer

8 Ways To Be A Smart Consumer

We are always hasty in spending money and then tormenting ourselves for doing so. There is always not enough money. As a result, we keep wondering about “How to save money and become a smart consumer?”

The word “economy” does not mean that you will become poor and live on streets. Being economical means living within your means and cutting all the extra expenditure. Saving funds means being a smart consumer who spends smartly. This will give you an idea about spending less and saving more.

One of the main social problems in consumers is the financial illiteracy. They do not know how to spend wisely. We are capable of earning but we waste our earnings irresponsibly making unnecessary purchases.

Learning to save a chunk of money is everyone’s desire, but it becomes difficult to implement it sometimes. Do not worry. It is a difficult task but not impossible one. Just learn a technique to save money. We are offering few valuable tips on saving money intelligently.

How to save money?

First of all, you should understand the meaning of saving money. It does not mean to save cash only. It means to have a discipline and motivation to work for it. Earning is everyone’s cup of tea but not everyone can save money. You need a power of will for effective savings. Try to adopt a mediocre way. Do not spend too much and do not save too much. Spending too much causes damage to your home budget. And saving all is not wise either. First you need to know why you want to save money and for what purpose.

People have different goals. They want to save money for different purposes. Someone wants to go on a vacation, someone wants to buy a new laptop or a tablet, and someone intends to buy a new home or an apartment. Maybe you need money for a long-term goal i.e. for your children’s education etc. When you have a clear vision of what you are collecting, the process will be much easier to follow. Instead, make a deadline and start saving. For example, you have to buy a computer, set a deadline of one year. After one year, you will have enough savings to buy a new computer. Everyone has a different vision. Everyone can choose what suits him more. It is said that 20% should be set aside for savings every month, 50% for the items you need in daily life and 30% for your personal use.

After you have saved enough money to buy your desired product, now you can buy easily. But here is the trick, do not get fooled. This is a test of your smartness. A smart consumer will have a thorough plan to buy his desired product. We have gathered here few important ways to make you a smart consumer.

1. Buy from reputable store

Buy from a well-reputed place. Reputation is important when it comes to businesses. Whether it is just a small-scale shop or a big renowned business, if you have a good reputation, people will trust you and recommend you to others too. Everyone wants to buy an authentic and a good quality product. Therefore, have your research with you when buying a product.

2. Get recommendations

It is wise to get recommendation from people you know about the product you want to buy. If you are shopping online, read comments on their page, get feedback from the people and try to communicate with them. Also you can ask your own people, family and friends to give you suggestions.

3. Research thoroughly

Before buying any product, complete your research first. Try to find out the reputable store, a good quality product and genuine price. Research the features of the product and its alternatives before putting any money.

4. Buy only what you need

Do not become an impulse shopper. Make a list of things that you need as well as what features you are looking for. This way, you only buy what you need and consume what you can. Do not go for your wants as there will be many. Focus only on your needs and you will be a smart consumer.

5. Check warranty, exchange or return policy

Warranties and guarantees are important before making your final purchases. You should be fully aware of what to do and where to go if you encounter any problem after the purchase. Ask right away the store about the return policy or exchange offer of the product. It is best to keep the sale receipt in case you need it afterwards.

6. Read product reviews

Product reviews are one of the ways that can help you in buying what you need exactly. This will be helpful to decide whether the product is right one for you and if it will suit your needs. You can compare prices, brands, features as well as read about the product’s good and bad points. It will also give you information about the kind of company you are dealing with, their customer service, technical support and other details.

7. Be an early bird

If you have your research and you want to buy your desired product, then do not be late. Try to buy it as soon as possible. Maybe prices become too high after few days. You should have a sharp sense of timing. Have you ever noticed how the prices of cinema tickets tend to be cheapest in the morning and most expensive at night? Go early and you will be paying less for the same quality of service, and be able to skip the crowds too.

8. Record your expenses

Make a special notebook or use your phone to write all the expenses that you have made. This will help you keep the detail of your spending and you will be able to cut-off if you have wasted your money.

A smart consumer is always a responsible shopper. Doing your research will help you in deciding. Because sometimes, a good deal is more than just a price tag, it’s the company, the service, environmental impact, and even the shopping experience. All it takes a little more time and effort and, and sometimes some observation to become a smart consumer.

8 Ways To Be A Smart Consumer