Delicious Zucchini Pizza Recipe

Zucchini Pizza Dough

8 cups of shredded zucchini
1 cup of shredded sharp cheddar cheese
2/3 cup flour
1 tsp garlic powder (can sub garlic cloves)
1 tsp basil
1 tsp thyme
2 eggs
1/2 tsp salt

Instructions:

Zucchini Pizza Crust

Preheat oven to 550F (or the highest temperature your oven will go) with a pizza stone pre-heating in it.

In a large bowl, mix the shredded zucchini with 1 teaspoon salt and set aside for at least 15 minutes. Squeeze the excess moisture out of the squash by wrapping it up in a clean dish towel and wringing it out, discarding the water.

After all of the excess moisture has been wrung out (and discarded), place the shredded zucchini back into the bowl and add the sharp cheddar cheese, flour, garlic, basil, thyme, eggs, and salt.


With your hands, blend all of the ingredients together well.

Place the zucchini mixture onto a piece of parchment paper at least 15” in diameter.

Using your fingers, spread the zucchini crust mixture to form a circle about 14” in diameter, 1/2" thick. Pinch the edges up so that it forms a nice crust, just like regular pizza.


Once the pizza crust has been shaped, transfer the crust on the parchment paper onto the heated pizza stone, which can be done by sliding it off the counter onto the stone. Bake for 8-12 minutes or until the crust starts to brown.

When the zucchini crust is browned on the bottom, pull the stone out of the oven.

Top the pizza with sauce and any additional toppings that you'd like. (We used mozzarella cheese, pepperoni and tomatoes.)

After the toppings are on, place the stone back into the oven and bake for an additional 4 minutes.

I was a little worried about what my pizza-loving husband would think about a zucchini crust pizza, but when he went back for seconds I knew I had found a healthy alternative to regular pizza!

One Of My Greatest Money Saving Tips

I try not to go shopping unless I have a plan. Some days I can go into a store and not purchase anything, just enjoy the "window shopping" experience, but there are other times, times when I go in without a plan, that I end up purchasing things I either don't need or don't have in the budget.

Here's what I mean by "shopping plan":

Whenever I go on a shopping trip and stick to this plan I'm usually quite successful and don't leave the store with that guilty feeling of going over budget. I not only enjoy the trip a lot more, but I enjoy the items I purchased even more. Going shopping with a budget plan is also motivation to hunt down good deals and maybe even have a little money left over to purchase a few "wants" :-)

Do you have a plan when you go shopping? Is there something you do that isn't on my list? Please share!

Keep pinchin' ;-)

Taking The Zap Out Of The Electric Bill

This past winter our electric bill seemed to sky rocket! It was CRAZY, and for this penny pinching girl, unacceptable!

For a year and a half it had been holding steady at $50-60 a month. Mind you we don't use the dryer—preferring to hang our clothes to dry when possible—we unplug things we aren't using, and turn off lights in rooms we aren't in, all in an effort to cut down electric costs. We were doing well for a time.

Then, all of a sudden, we got a bill in excess of $80! Not once, not twice, but many times. Our bills were $85 or more. This was NOT ok!

After taking the time to do some investigating I was able to pinpoint what I thought was the problem. A year before I had changed over our electric supplier because they were significantly cheaper than the only distributor we had available to us. I made a fatal mistake with this decision though, because the price I locked in at was only good for six months. After that I needed to lock in a different price. I forgot about this, and consequently put us into the variable price plan that changes from month to month.

Realizing this so late in the game didn't help matters, because locking in at the current price of almost DOUBLE what we were paying before wasn't cool.

So I decided to see what else was out there.

Thankfully I was able to do all my investigating online because I HATE calling people. (I'm not kidding. I usually make Jake do all the phone calls, and I handle online stuff.) Anyway, as I was investigating I found that there was a new electric supplier for our state, and, lucky for me, they had the best going rate. We're in the same situation though where I have to lock-in the rate in six months, but hopefully by then we will have moved so it won't matter. Plus, I think I learned my lesson.

Happy ending to my story: the last two months our bill has been back down to right around $50! When you have a zero-based budget—meaning, all of our money is accounted for and allocated—an increase of $30-to-$40 a month for electric ruins the whole thing!

Moral of my story: don't hesitate to shop around for the best rates. Electric, gas, oil, groceries, repairmen... Don't think you don't have options. And, if you get yourself into a short term fixed rate, make sure you follow up with it and re-enroll!

Keep pinchin' ;-)

Dog Days Of Working... I Mean Summer!

We have a busy month upon us here at the Grant household. Jake has five weddings to photograph in the next four weeks, which means that in between each wedding he will have lots of photos to develop. I have my first Fitness Challenge Group to manage, plus learning the ins and outs of my new business venture, and preparing for next month's Challenge Group. On top of that we have several family functions to attend, a half marathon to train for, and our regular jobs.

Whew! Just writing all that makes me want to take a nap!

But when life gets busy I just have to stop and remember what my goals are, and remind myself that it is just for a season.

We desire to live debt free, and if that means taking on extra work to get there than we are willing to do it.

We desire for me to be a stay-at-home mom—once we are blessed with kiddos, that is—and if that means trying to start up a new business than we are willing to do it!

We desire to bless others financially, whether giving through our local church or supporting a missionary, and if that means taking on extra work than we are willing to do it!

You get the idea.

We have prayed and sought after what God wants for us at this point in our lives, and we have come to a place where we are willing to accept whatever He sends our way. So while this month may be super busy for us, we are thankful for His abundant blessings. Plus, I'm planning a fun date night for this Friday because we are in need of some "couple time."

What are you willing to do to be out of debt? Cut the cable? Take on part-time work? Stop eating out? Commit today to doing something about your finances, and let us know what it is in the comments below!

Keep pinchin' ;-)

Workouts To Go: Another Benefit Of Doing Beachbbody

Had you been able to peek in on my vacation last week you might've seen some water-tubing, kayaking, swimming, or some other water related activity.

You would also have seen me working on my PiYo moves. On the lawn. On the dock. Indoors if it was raining. And that's one of the great things about Beachbody's programs—they can be done anywhere! They don't require any weights or gym equipment, just you, some time, and a little motivation.

By taking PiYo up to the lake with me I was able to keep up on my fitness goals, but I also wasn't wasting money on a gym membership that I couldn't use for a week because of my vacation. In fact, thanks to the marvelous world of Facebook, I was able to stay in touch with my workout buddies.

Another great thing about working out up at the lake is after a long, sweaty bout of PiYo I was able to go for a nice, refreshing dip :-)

I am super pumped to be starting my first fitness challenge group today, and I have an awesome group of men and women who have decided to join me! I am already thinking about the next group I will host, so if you missed out on this one don't worry. You can join me soon!

I am loving this whole Beachbody coaching thing so much that I've decided to start a separate blog focusing more on healthy living and fitness.

I'll let you know as soon as it goes live, so be sure to follow me if you that's your thing.

;-)

Breaking Free Part 5: The Art Of Sustainable Sacrifice

It's been two years since Danielle and I started down this road toward debt-free living. It's been a challenge, a fun ride, a ministry, and a blessing, all rolled into one adventure. This week we'd like to look back on our journey, share some of the intricacies of how and why we do it, and hopefully encourage you to gain some ground in your financial battle.

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Saying that I don't complicate things is like saying a full moon doesn't throw a monkey wrench into the Wolf Man's daily grind.

I have a tendency to immediately over-think and over-complicate things, but when Danielle and I first started budgeting I forced myself to be intentional about keeping it simple. In fact that's one of Dave Ramsey's key points in Financial Peace University. He calls it KISS: Keep It Simple, Stupid.

So, first, we followed the plan. Simple.

Then we wrote our entire budget out on paper to make it easier to work with. I even used a pencil instead of a pen. Simple.

When we compiled our budgetary needs we put them into a small number of categories. For example: instead of having budget lines for cleaning supplies, tools, and home repair, we have one line item called Home Needs. See? Simple.

We found that a successful budget needs three main things in those first few months:

1. Discipline. You've got to keep at it. You've got to do the work. You've got to set it up and make your money work for you.


2. Realistic expectations. Unplanned expenses are going to happen, and the money to cover them has to come from somewhere.


3. Flexibility. A budget is rarely going to work properly from the get-go. It will need adjustment.

After about six months we had the budgeting thing down to a science.

Spend Less, Earn More

When it comes to paying off debt, Dave Ramsey points out that the two things that contribute the most to attacking debt are spending less and earning more. I'll give Danielle the most credit when it comes to earning more. That girl can work like a dog when she's got a goal. She took a lot of extra jobs on top of her full time job to earn extra money.

And when it came to spending less we both made a lot of sacrifices. We didn't cut out restaurants and movies at first, but over time we cut back at these things more and more with the understanding that we couldn't give them up forever.

That's what sustainable sacrifice is all about—sacrificing unnecessary expenses to accelerate progress for a period of time. The idea is to stay motivated as you see your sacrifice enabling you to get ahead in other areas financially. If you can get debt free in one year by sacrificing deeply, go for it! Otherwise, take a good look at your budget and determine what expenditures you can cut back and for how long.

In our case, we knew we'd have to sacrifice for about five years at least, and we made decisions based on what we thought we could handle for that amount of time. Had we gone into it without a determined timeframe we—mostly I—would've gotten too discouraged and probably given up.

I Gotta Have My Cookies

Sustainable sacrifice isn't about depriving yourself of everything you enjoy. It means being intentional about telling your money where to go. If you want to spend some of it at Dunkin Donuts, that's fine, just make sure you plan for it. Otherwise you get fat.

Oh, wait. Wrong topic. Well, it still sort of applies. See, now that my wifey is into being a Beachbody coach, and now that I've seen the tremendous success she's had with eating right, I've decided to work on adding a better dietary plan to my workout routines. But, like my personal spending money, if I don't have some junk food to look forward to I'm going to get real discouraged real fast.

So I prepared an entire batch of chocolate chip cookies and divided them up into little freezer bags of three. Every Saturday I know I have that beautiful, chocolaty sweetness to look forward to. If i didn't have that, I wouldn't keep track of what I was eating. A candy bar here. A brownie there. I wouldn't know from one week to the next how much junk food I was eating.

Knowing I've got cookies coming on Saturday makes the sacrifice during the week sustainable.

Sustainable sacrifice.

Now, just as a quick side note, the types of sacrifices that move the debt needle the fastest are monthly sacrifices like cable TV, subscriptions services, and the like. Maybe for this summer you decide not to purchase a golf membership. (I know, heresy!) Or if cutting out television entirely isn't an option, maybe a cheaper package with fewer channels is the way to go for the next year.

Making sustainable sacrifices will help you make progress, which will help keep you motivated to make more sacrifices to keep on keeping on.

What sacrifices have you made to dump debt?

Other posts in this series:
Part 1: My Personal Wake-Up Call
Part 2: How To See Some Hope
Part 3: Overcoming The Comparison Trap
Part 4: The Things We Didn't Give Up

Breaking Free Part 4: The Things We Didn't Give Up

It's been two years since Danielle and I started down this road toward debt-free living. It's been a challenge, a fun ride, a ministry, and a blessing, all rolled into one adventure. This week we'd like to look back on our journey, share some of the intricacies of how and why we do it, and hopefully encourage you to gain some ground in your financial battle.

---

Too often Danielle and I harp on all the sacrifices we've made. No movies. No restaurants. No this. No that.

Woe is we!

Although it's the sacrifices that are the hardest, there's lots of other stuff that we DON'T sacrifice. Like Superman holding back that train, or a fly bouncing against the glass, we're determined not to surrender these things, stubbornly holding onto them in dogged determination to retain some sanity in the midst of all the sacrifices.

This is kind of an essential part to this whole journey, actually. Because you can go too far with all the penny pinching, the budgeting, and the Dave Ramsey fanfare. To really be successful—and to not go crazy—you've got to be stubborn in some areas. So here are some of the things that Dani and I have refused to give up.

(Also note that these things are different for everyone. What you chose to keep might be totally different.)

Giving

I'm a natural giver. I love blessing others, but I always wish I could give more. In the past I wouldn't hesitate buying a birthday present for someone that cost more money than I could afford. "I'll get my paycheck next week," I'd tell myself. "I'll just pay for it then." But that's not a good habit to get into. Like Dave Ramsey is fond of saying, "Live now like no one else so that tomorrow you can live and give like no one else."

So, someday, Danielle and I will have the money to "give like no one else," but for the time being we need to be a bit more conservative. Still, we like to give, to others and each other. So we have a fund for birthday presents, Christmas gifts, baby showers, weddings, and anything else that may come up. It's not a lot, but it's what we can manage for now.

Tithing

Apart from giving to others, Danielle and I believe that, first and foremost, we need to give to God. Tithing honors Him, it reminds us that everything we have comes out of His hands, and it increases our faith. We have never not tithed since the day we got married, and we intend to keep it that way. The missed blessings of not tithing aren't worth the risk.

For a more detailed look at tithing in the midst of paying off debt, see our post: Is It Ok To Stop Tithing To Pay Off Debt?

Investing in My Photography

As much personal enjoyment as I get out of my craft, photography can be a big money earner too. I can make more money shooting one wedding than I do in a week at my day job. In our rural area of the country, however, it's hard to keep photography work steadily coming in.

Still, in order to make money, we need to spend money, which is why 50% of all money earned through my photography goes into a fund to maintain equipment, buy new lenses and filters, and market my services.

Healthy Living

When we first got married Danielle thought we could survive on a $40 grocery budget.

When you're done laughing I'll continue.

Finished?

Ok.

The problem was she didn't know how much a 30-year-old man with a daily calorie intake of 2,000 would need to eat. And when that number goes to 2,750 during workout periods that can amount to a whole heckofalot of food. Since Danielle started getting into all this health and fitness stuff through Beachbody.com she found that she needed more food to fuel her body as well, not to mention the fact that healthy food simply costs more money.

So over the last two years we've upped the grocery budget twice. We've decided that even though we can eat more cheaply, the types of food we'd be eating aren't worth it. Our physical livelihood and general health are more important than a few extra dollars. So we're making the investment in healthier living, and so far it's been worth it.

Pocket Money

I need my pocket money.

No. You don't understand. I neeeeeeeeeeed my pocket money.

I would lose my mind if I didn't have some dollars, unencumbered by some budgetary requirement, to spend at my leisure. So both Danielle and I get a little money every week to spend however we want. It's not much, but it helps make the rest of the budget feel doable.

For all the other spenders out there, I can't stress enough how much easier budgeting is when there's a little money set aside just for you. It does wonders for your mental health, and it actually helps keep the whole budget on track because without that little bit of "fun cash" one might be tempted to dip into other areas of the budget.

No matter where you are in this process, it's helpful to remember that this is only for a season. Danielle and I know that even though we're dramatically scaling back in many areas, it's not going to last forever. Our spending habits and the sacrifices we make are going to look dramatically different when we're debt free!

So what things have you been stubbornly refusing to give up? Or is your budget too tight? If so, what things do you think you could introduce—like tithing or pocket money—that might give you a little bit of your sanity back?

Other posts in this series:
Part 1: My Personal Wake-Up Call
Part 2: How To See Some Hope
Part 3: Overcoming the Comparison Trap