December Half Month Pulse Check: All set to break the bank

Photo courtsey: Mysza831


The bad news - We're spending a lot this month. In fact, at the time of writing this post, we have already spent the equivalent of our monthly budget.
The good news - The expenses were expected, planned for and didn't slow us down on our saving goals.

So yes, December has been an expensive month around here. The biggest expenses had been the gifts for friends and family and some of the preparations for the trip we're going to take during the Christmas break. It also helped that we had been planning this trip since September, so some of the costs were spread over the earlier months. It also helped us find the best deals for the gifts that our family members had asked for. Now that we have purchased the gifts and some other stuff for ourselves that we'll need while traveling, I hope that second half is not as expensive.

Other than the gifts, rest of the expenses have been fairly routine. In fact, in rest of the categories we actually spent lesser than usual.

Hydrate and protect skin the natural way

This is a recipe that my mom uses in winters to keep skin clean and hydrated. It also repairs the skin that has been exposed to the harshness of cold winds.

Ingredients:

Glycerin: 2 Tbsp
Rose water: 2 Tbsp
Lemon Juice: 2 Tbsp

Pour all these ingredients in a glass bottle and shake well. Keep this mixture with your skincare kit and apply a little whenever you've some time. It will feel a little sticky because of glycerin, so its best to use it when you're not expecting company, and have time to keep it on for half to one hour. In fact, I apply it right before sleeping so that I wake up with soft supple skin. Do apply it on your neck and arms as well.

Note: It okay to have a little tingling sensation in the beginning, it happens because those parts of your skin have been exposed to harsh weather and has been irritated already, the lemon juice in the mixture causes this tingling. If you continue to apply this mixture the skin will get repaired pretty soon and this irritation will go away.


If you try it, do let me know in comments how it went.

Weekend project : Dress for my niece

I love the small sewing projects, there's something gratifying about spending 2 hours with needles and fabric and scissors and getting a little something made by myself at the end.

This weekend, I carved out a few hours to make this dress for my niece. We'll see her this Christmas for the first time, so I thought I'll just get her something handmade along with all the store bought stuff.

I just had to share it with you all.

Improving skin complexion with saffron

Winters are harsh on skin and if you have a dry skin like me, the cold dry winds can wreak havoc on the skin. I usually apply some extra measures to take care of my skin during cold weather. I have seen visible changes in my complexion over the years I have used this recipe.

Ingredients:

Saffron: 3-4 leaves(petals)
Milk: 1 teaspoon
Sugar: A pinch
Olive oil or coconut oil: 2-3 drops
Water: 1 teaspoon
Plain bread: 1 slice

Method:

Pour water in a small vessel and add saffron leaves in it. Keep it overnight. By morning the water will turn yellowish, add milk and sugar to this water and then pour coconut oil drops in it. Now take a small piece of bread, dip it into this mixture and wipe your face with it. You might be left with bread crumbs on your face, Don't worry, just rub your face with your hands, they should be easy to get rid of. Try to not wash your face for 15 mins after applying this, then follow your usual cleansing and moisturizing routine.

Note: You can also do it in the night if that suits you better. Just know that you have to soak saffron for about 12 hours before you can use it.

Benefits:

Saffron is a time tested ingredient for improving complexion. The only catch is that it is considered to be a hot element, so using it in hot climates during summers results in small breakouts over facial skin. Its best to take advantage of this boon for skin during winters.

You can skip oil if you already have an oily skin and don't face any dryness problem in winters.

Ingredients Availability:

Except saffron, all other ingredients are usually present in your pantry. I found my pack of spanish saffron at Trader Joe for about $5. If you can't find it anywhere else, an Indian store will definitely carry some.


If you do try it and have some feedback on how you liked it, do let me know in the comments.

November Budget Report : Fallen off the bloggerwagon edition

This was one of those incidents where you just can't get around to doing what you would very much like to. I was under the weather for most of the thanksgiving weekend and so many things got piled up that I couldn't get to blogging even after getting better. Finally I got rid of this writer's block/over-activity and came up to share my budgeting results for the month of November.

Surprisingly, this month has been really good for budgeting. Despite spending money on several extra ( both needful and discretionary) items, we still managed to stay under our targeted budget and with the way things are going for last 3 months we have also decided to lower our targeted budget and to try to get there in 2009.

In November we also managed to hit two of our long term goals. Here are the highlights of the month which I can't wait to share with you.

1) Hit our target of saving 10% of down-payment for our home. Yaay!!!
Over to saving 20% now to avoid that no-good PMI.
2) Hit my targeted weight for the first time in 6 months. Although I couldn't stay there for long, I'm hoping that its a positive step towards attaining it in the long run.
3) Sewed two dresses for my niece and a reusable bag. It has been a long time since I last sewed anything and my last project was a disaster. This time I remained very careful with measurements etc and made sure that I go exactly by the book. I'm so looking forward to trying them on the baby. We will be meeting her on the Christmas.

As for the spending categories this month, we saved a lot in gas, thanks to gas prices. We also managed to stay well under budget in Groceries and Dining out, Personal grooming and auto maintenance. The only category where we went well above budget was the expenses on family. Although it showed up as an extra expense on our worksheet, we had actually known this expense and had accounted for it while planning the expenses for this month.

So in all, a good month for budget and the great thing is that it has made us keep high hopes for the coming year.

Best places to eat Indian Vegetarian Food in Bay Area

When we were relocating from India, food was at the top of my long list of concerns. Only after landing in the bay area did I discover how unfounded my fears were. Because of the high influx of immigrants, this area has a large number of thriving ethnic restaurants and there's no dearth of Indian restaurants either. Being a vegetarian, we needed a place which had a lot of vegetarian options. Soon enough we were able to locate many such restaurants nearby, now it has come to the point where in some of these places we don't even bother with the menu. We just order our favorites as soon as we are seated. If you happen to be in the bay area, you may want to visit one of these budget friendly eateries for a taste of India.


Chaat House
Some background here - Chaat in Hindi is usually a melange of various things with the final version being pleasantly spicy, sweet and tangy. There're various versions - often featuring one particular dish as the main item with a lot of garnishing and condiments often customised to suit the taste buds of the person eating it. It can have potato pattis, chick peas, sprouted beans, puffed rice as the main ingredient and these main ingredients are then mixed with a number of sweet, sour chutneys, yogurt, red chilli powder, green chillies, chopped onions etc. Often the quantity and variety of ingredients results in each cook have its signature dish when it comes to chaat.
The name Chaat House suggests that they are big on these Chaat varieties but actually they have a decent offering of Chaat as well as other usual Indian fare like Chapati, Daal, Curries etc. Since the owner is from North India ( State of Punjab), the menu leans heavily towards north Indian dishes. Ironically, Chaat is not very recommendable at Chaat House. I find it a little too raw ( contains more raw veggies, lacks usual condiments), but then we go there for a full meal and not snacks.
There are quite a few restaurants on El Camino Real with this name. We love the one on the intersection of N. Mary and El Camino Real. They are not great with the fancy stuff, but we can trust them to supply us with home like food on the super busy days. BEB loves their "Makki ki Roti, Sarson Ka Saag" ( Bread of corn flour with Entree of Mustard Leaves combo with a choice of Chai or Chaas for dink), While I order anything from Daal (Lentil soup) and Chapati ( Wheat flour Indian bread) to Rajma (curry of beans) and rice. For the first timers I recommend trying something from their combo meals. It would give you a meal with nicely matched side dish and entree and will be easy on your pocketbook too. We spend in the neighborhood of 25$ for a dinner for two here.


Udupi
Background - Udupi is a place in Southern India which is famous for its preparation of Idli. With time, the south Indian restaurants sprang up in the rest of India and were commonly referred to as Udupi restaurants. In India these are lean mean working machines, serving inexpensive south Indian dishes in a clean, hygenic and efficient environment. In India, these places are often frequented by employees of nearby establishments during their lunch hours.

Udupi Palace in Sunnyvale ( On El Camino Real near Wolfe) is a restaurant born from that tradition. It has all the usual fare offered by traditional Udupi restaurants like Idlis, Vadas and a variety of Dosas. Along with it they also offer all the regular North Indian options like Paav Bhaaji, Chhole Bhature etc. But if you do go to Udupi, I would recommend ordering traditional South Indian fare, its their area of expertise, its delicious, its healthy ( well, for the most part), so why not? If you are not watching calories, try their Rava Masala Dosa, its the best I've ever had. If I'm going to Udupi, I'm going to have Rava Masala Dosa. Period.
One thing thats free, and that you must try while at Udupi is their after dinner mouth freshener, they prepare it themselves from coconut and its amazing. I usually pickup a handful everytime I'm leaving. I would also recommend grabbing a Paan(Betelnut leaf with a garnishing of rose petal jam among other things) on your way out. It is not complementary though ($1.5 apiece), but it will be a nice way to finish your dinner.
On a typical visit we usually spend between $20-$25 for a dinner for two ( including tips and taxes).

Passage to India
I always thought of it as an Indian bakery until I actually went there to pick-up a cake. They have a cozy little dining room tucked in the corner of their shop and they do have a mouth-watering menu for lunch and dinner buffet. This is the place to be if Chaat is your piece de resistance - They serve really good chaats, and their tamarind chutney and coriander chutney is quite close to authentic. Although there are a bunch of other things in the buffet like burger, pizza, noodles, My recommendation would be to stick with Indian cuisine while you're there and you'll have plenty of them to try. If you're a vegetarian Indian like me you must be having a hard time finding eggless baked goods. If thats the case, you'll love Passage to India for their eggless pastries and cakes (although they are not part of the regular buffet).
The buffet here costs $10 in the evenings so we end up spending about $22 for the two of us here.

Rajjot
Low cost is the first word that comes to mind when I think of Rajjot. This is not a place to take your girlfriend on your first romantic date but if you're hungry and looking for cheap and good Indian food, Rajjot is the place to go. Their paranthas(kind of tortillas stuffed with different vegetables) are very good and I have also heard good things about their Puranpoli (again like tortillas but with a sweet stuffing of lentils). Like its peers it is also very conveniently located on El Camino Real and Wolfe. There are a lot of Indian families in the bay area which rely on Rajjot for their weekly supply of Chapatis (Indian meal staple). They make nice, big, well roasted Chapatis that will keep well for a week in the fridge. I'm not sure how much we spend on a typical visit but it has to be in the neighborhood of $15. Don't expect very good service here though, they even mix up the orders sometimes. So be sure to double check if you've ordered a takeout.

Milan Sweets
Located in Milpitas this is a vegetarian restaurant + sweets shop. The owners are from Gujarat. I think thats the reason that even the typically spicy dishes have a hint of sweet in them here. Its choice of sizzlers is hugely popular and after sampling two of them, I can see why. Those hot off the griddle dishes have found a striking balance between non-Indian foods like pasta, noodles and Indian delicacies like bhajia, kebabs and various sauces. The ultimate result is yummy. The small Kachories (Flour roundels filled with spicy lentil stuffing) is another thing that you must sample while you're there. People also love their Paneer Tikka ( Grilled Indian cheese with vegetables). While some of its snacks taste really good and are popular, it is more than what could be said of their curries and other dishes. We have ordered things like Thali (supposedly complete Indian meal, with Chapati, Dal, rice and curries) once and a few other dishes on other occasions and were disappointed with them. In my opinion, one should stick to the popular dishes while ordering at Milan. It a self service place, you have to place your order at the counter and pay up-front and they will call out your name when your order is ready. Our average bill runs up to $25 here.

Whole Foods - A bright spot among cookie cutter stores

Disclaimer: This is NOT a paid review

Yesterday I had to buy some hard to find oils and other things, so we took this trip to Whole Foods. We usually don't go to Whole Foods that much becuase it is quite far from where we live and when I had last visited them I found it to be on the expensive side.

I didn't know that I was in for many pleasant surprises when I stepped in Whole Foods yesterday. Near the entrance I saw this big savings ad, apparently they had put some coupon book in the store, using which I could save some money. Being a couponaholic, I decided to get the book first. I couldn't locate it in its usual place near the entrance, so I inquired a store associate, he looked at the stand and he couldn't find it either, so he checked with the management and was told that it was at the back of the store. He told me the same, and I thought that I'll just shop first and grab the coupon book before checkout. Imagine my surprise when another WHole Foods store associate approached me while I was shopping and inquired if I was the one looking for their coupon book. When I said yes, she handed me one of the coupon books and said that she had only 3 left. Have you ever heard of a store associate actually locating the customer and handing them the store coupon book. At least I haven't.

Being a fussy vegetarian, I often find myself looking for hard to find products, in order to avoid any meat content. During this trip I had been searching for cheese which didn't have renet in it.

There were two gentlemen at their cheese shop, I reluctantly asked one of them if he could help me locate a cheese which doesn't have an animal content in it. Yeah, I phrased the question wrongly, All cheese has is animal content - it is made of milk afterall. But he guessed what I actually wanted to ask. He showed me how to find out from the label whether the cheese had any meat content (Renet) in it. He also recommended some varieties of cheese that might go well in the recipes I planned to try. I often feel intimidated by store associates and usually drop the plan to buy things instead of approaching an associate, but Whole Foods folks were really friendly.

Once I got everything I wanted we went for checkout. I was preoccupied with something else so I forgot to offer my reusable bag while the cashier was ringing up my items. When she begun to put my stuff in their paper bags, the employee next to her told her "She has a bag!" and offered to put my items in my bag. Now that was a first. I have been to stores where employees are reluctant to put things in reusable bags because it takes a few more seconds of their time. I don't know whether I should blame them, but I now try to put my things in the bag myself, so they don't have to feel that my reuable bags are extra work for them. Anyhow, it made me really happy that somebody else also cares for this.

While we were heading out my husband commented that its rare to have three good experience in a single trip to any store. I couldn't agree more with him. From now on, I'm an official Whole Foods fan :). Is it any wonder they top the list of America's healthiest grocery stores (thanks to Like Merchant Ships for the link)