By Holly Reisem Hanna Are you a stickler for grammar? Do you pick out typos when you read publications? If you’re great at editing and catching grammatical mistakes and inconsistencies, a work-from-home proofreading job may be a great fit for you. Not only that, Proofreaders are in high demand, particularly for online businesses. And because you […]
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Kombucha, a fermented tea beverage, has become both a buzzword and a health fad. An essential part of a certain kind of trendy lifestyle, it’s that fizzy drink you might have seen someone sipping as they left Whole Foods on their way to a SoulCycle spin class. It’s also the fastest growing segment of the “functional” beverage market, with sales in 2016 that eclipsed $600 million.
Kombucha was first made popular over 2,000 years ago by the Tsin Dynasty in China, where it became known as the “Tea of Immortality.” The tea was being hyped up in ancient times, and it’s getting the same treatment today. It’s the latest drink to have the “superfood” label applied to it.
While that moniker is overused, kombucha certainly has health benefits. It’s renowned for its ability to increase energy, improve digestion, and heal the gut. When properly made, kombucha is loaded with healthy probiotics, polyphenols, and micronutrients. Plus, it’s really tasty. What’s not to love?
Well, for one thing, it’s expensive. Even at Walmart, a 16-ounce bottle costs between $4 and $5. The fancy brands can be quite a bit more than that.
Fortunately, it’s simple to make your own kombucha at home — though it does take about a week to ferment. That will bring the cost down to roughly 50 cents per 16-ounce serving. Much like making the switch from store-bought coffee to brewing your own at home, heavy drinkers will see some serious money savings.
Here’s how you can enjoy this tasty drink for a fraction of the retail cost.
First, you’ll need a 1-gallon jar with a lid. I prefer to use glass, but it makes no difference. There is a persistent internet rumor that you should never use stainless steel as part of a fermentation, but I have found no evidence supporting this. Just use whatever jar you have on hand. If you need to buy one, this $11 jar has never let me down.
Next, you’ll need eight bags of black tea. If you have some in the back of your pantry, those will work fine. I like to get them in bulk so that it brings the cost down. You can find 100 bags for $10 or less. You can also use loose tea, which will drive your costs down even further.
The third component will be 1 cup of plain white sugar.
Finally, and most importantly, you’ll need a scoby. SCOBY is an acronym that stands for symbiotic colony of bacteria and yeast. It sounds weird and gross, and honestly, it kind of is. A scoby looks like a slimy, semi-translucent pancake and feels like a wet sponge. But once you’ve handled one, you get used to it. I now look at mine much the same way a baker sees their “starter” dough. It’s a living thing that, with a little nurturing, will turn into a delicious treat. Pretty cool!
Scobys are inexpensive and will last as long as you feed them. The fun part is that they grow every time you use them, so they can be split up and given to friends. You probably shouldn’t bring a dripping wet scoby to a dinner party in lieu of wine, but if you have a health nut in your life, they will surely appreciate the gift. I’ve sent a scoby through the mail to a friend on the opposite coast, and it arrived without issue. If you don’t have a friend willing to share a scoby with you, you can buy this one for eight bucks.
Once you’ve got those required materials, use this simple kombucha recipe:
One thing to note is that the scoby will do some seemingly bizarre things during the fermenting process. It might sink, for one. It will also start forming a second scoby on the surface after a few days. Brownish strands will come off the scoby, and bubbles will appear. Most of it is normal. However, it you see anything that resembles white or black mold, the scoby will need to be tossed.
When the waiting period is over, the kombucha is ready to serve as is. But if you want to make it extra fizzy, you can pour it into 16-ounce bottles for a second ferment. Be sure to add a little bit more sugar or fresh fruit so that the yeast has something more to eat (though not too much, or you risk an over-carbonated, exploding bottle). Leave about one inch of space from the top of the bottle to allow a bit of room for carbonation, and screw the cap on as tightly as you can. Leave those on the counter for another couple of days so that the carbonation can build up, then transfer them to the fridge. You now have fizzy, fresh, delicious kombucha!
I’m not referring the adventurous among us who like to “weaponize” their kombucha by adding spirits once it’s done brewing (although that can be fun sometimes). I’m talking about how the final product will contain trace amounts of alcohol. Not enough to impair you, by any means, as your average kombucha clocks in at below 0.5% alcohol, on par with a non-alcoholic beer like O’Doul’s.
I’ve never even felt the slightest buzz after consuming a serving of kombucha, for what it’s worth. But if you’re a strict teetotaler, pregnant, or simply trying to avoid all alcohol for whatever reason, be aware that kombucha does typically have a small bit of alcohol in it.
You won’t achieve immortality if you start brewing your own kombucha, but you just might get a pep in your step and some healthier gut bacteria to boot. With such a low price and minimal time requirement — aside from the waiting — it’s an easy drink to try your hand at making. And if you’re already a kombucha addict, switching to a home brew will save you quite a bit of money in the long run.
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The post Homemade Kombucha Recipe: How to Make This Trendy Drink Cheap appeared first on The Simple Dollar.
Less than a year into marriage, my husband and I found out we would have to spend 10 months living 2,000 miles apart. My husband was offered his dream job in our home state of Minnesota late last summer. As a teacher in California, I couldn’t break my contract two weeks before the beginning of the school year, so our only option was to live apart.
This idea seemed crazy to me, but my husband was used to the long-distance marriage concept. His parents have lived apart for six years and counting due to his father’s job transfer and his mother’s desire to stay in the state where they built their life. Since they were nearing the end of their careers, they decided to make a long-distance marriage work until they retire.
Overall, long-distance marriages are not uncommon. Based on 2005 census data (the latest data on this topic), The Center for the Study of Long Distance Relationships found that 3.6 million married people were living apart in 2005 for reasons other than marital discord. Since living apart, my husband and I have met multiple people who were in long-distance marriages at one point or another.
No matter how normal it might be, we crunched the numbers and long-distance living had the potential to be expensive. We also had some significant financial goals for the year, including saving for a down payment on a house, paying off student loan debt and purchasing one of our vehicles after the lease matured.
We are currently seven months into our 10 months of living apart and are thankful we found ways to save money despite our living situation. Below are seven ways we are spending a year living apart while still meeting our financial goals.
A budget is an essential part of meeting financial goals. Without a budget, you don’t know where your money is going, and it is easy to overspend.
We use a zero-based budget — where your income minus outgoing funds must equal zero — and EveryDollar helps by providing a digital budget we can access at any time. Our budget talks, which we have at the beginning, middle and end of each month, help remind us of what we are working toward: paying off $10,000 in debt and saving $24,000 for large purchases.
Budgeting will not necessarily save us any money, but it ensures we are on the same page with spending and saving each month.
Be honest about how long you can go without seeing your spouse. Plan your trips in advance and, of course, make sure you are getting the best deals on travel expenses. Don’t underestimate how often you will see each other and end up paying more for last-minute airfare.
Living in Minnesota and California, our only option has been to fly to visit each other. We find huge savings by flying in and out of various airports and taking voucher options.
If you have time to be flexible with your travel plans, most airlines will give you vouchers worth $400 to $1000 for giving up your seat on an oversold flight. So far, I have racked up $800 in travel vouchers — that’s two free trips to my husband.
Seeing each other one to two times a month for 10 months, our flight costs will be about $2,900 — an average of $250 per trip.
Having two living spaces is a huge expense when living apart. It’s best to figure out a way to save on your rent or mortgage by having roommates, living with family and friends or renting out your space.
Prior to living apart, we were spending $830 per month on rent. In an effort to keep our housing costs the same, my husband lives rent-free with his parents in Minnesota. We looked into reasonable renting options for him but decided the $900 each month was better spent elsewhere.
I lived in our apartment in California until our lease was up. At that time, we had to decide if I would pay the month-to-month rental rate of $1,160 a month or find different housing. I found a coworker to stay with until the end of the academic year. We pay her $500 a month, saving more than half the apartment’s month-to-month rate.
Our living situation will save us close to $10,000 while living apart.
Being apart has allowed us to spend more time on our careers than we probably would have if we were together. This additional time allowed me to take on more career-advancing opportunities, like tutoring and coaching, which earned us an extra $4,000 during the school year.
Moreover, my husband’s extra hours in the office earned him the maximum salary increase after his probationary period. This refocused time has gotten us that much closer to our goals. This will look different for everyone, but we figured if we can’t be together, we might as well make money.
We estimate we’ll earn about an extra $6,000 while living apart.
Figure out what makes your relationship feel as normal as possible and spend your time together doing those activities. We found doing normal things like going to the grocery store, Target, budgeting and doing laundry together were more meaningful than lavish dates or mini vacations with hotel expenses.
Not splurging on fancy dinners, hotel stays or all-out dates has saved us about $200 per month together, which will end up saving us $2,000 over the full 10 months.
This one might not seem obvious at first, but different states have different insurance requirements and policies. You want to be covered! Ensure both parties are covered with health and auto insurance that follows the state requirements, and don’t forget to have homeowners or renters insurance in both locations.
We found health insurance that covered us in our respective states, but we had to choose our plan carefully. We also changed the insurance on the vehicle that would no longer be in California, saving us $300 for the year.
Long-distance relationships can create many hardships, but don’t let finances be one of them. Communication and planning are essential to ensure that the long-distance life doesn’t create a headache when it comes to money.
Courtney Ramirez is a teacher and wife living in California. She is passionate about budgeting and finding ways for her family to be financially responsible. She loves learning, road trips and food truck tacos!
This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
