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How to Stock Your Kitchen Like a Pro Without Blowing Your Budget

If you’ve ever felt overwhelmed in your kitchen, it’s understandable. After all, if your job doesn’t involve food preparation, you spend most of your time thinking about something completely different. Many amateur foodies know exactly how to run a kitchen, but not everyone is a natural-born cook.

However, if you don’t know what you’re doing in the kitchen, it could be costing you. According to the nonprofit organization Feeding America, the country wastes 70 billion pounds of food every year. If you have appliances that are energy hogs, that’s even more money down the drain.

U.S. News asked a handful of home-improvement experts, chefs and the like how they manage their own kitchens. If you know what you’re doing, much of what follows is common knowledge, but if you’re clueless about culinary arts, these suggestions may be your life raft.

Staples. Since you can’t have entire grocery aisles in your kitchen, you need a selection of go-to items to grab when you’re trying to get something on the table for dinner, without ordering pizza. Chef Erika Gradecki, owner of a personal chef business Food For Your Soul, in New London, Connecticut, always has the following in her kitchen:

Spices and herbs. If you aren’t a personal chef and just want a few must-have spices and herbs, Gradecki would pick Italian seasoning.

“This is usually a combo of thyme, oregano, basil, rosemary and sometimes marjoram,” she says. “It doesn’t have to be a fancy brand, and doesn’t have to have exactly all of those. It’s cheaper than buying those herbs separately, and they complement each other well.”

She also recommends buying cumin. “This is a great spice for anything from soups, chili and stews to meats, curried foods, etc. It gives you a little kick without too much spice,” she says.

And keep all-purpose seasoning on hand, Gradecki advises. “Usually salt, pepper and garlic salt as a base,” she says. “Some add turmeric or a few other additions to the mix. Like the Italian seasoning, this is a great go-to if you’re on a budget, and it seasons just about anything.”

Condiments. The biggies are cooking oil, [cooking] spray, sugar, brown sugar, baking soda, baking powder and molasses, Gradecki says.

Old-fashioned oats. “Different from quick-cooking oats, which are cut smaller and get pretty mushy when cooked, old-fashioned oats are able to keep [their] shape when cooked. They’re a great source of fiber, which keeps you fuller longer, and can be used for breakfast, baking and more,” she says.

Rice. It’s versatile, not to mention cheap and filling, she adds.

Butter, eggs and milk. Most recipes call for at least one of these, Gradecki says.

Of course, everyone has their own definition of “staple.” Carlo Filippone, chef and CEO of the Clifton, New Jersey-based Elite Lifestyle Cuisine, which delivers chef-prepared meals to homeowners, agrees that eggs are vital, but also suggests having spinach, natural peanut butter, lean poultry, potatoes and mixed greens in-house as often as possible, because they all work well in a variety of meals. (OK, the peanut butter, he says, is for snacking.)

For Cheryl Rios, a Dallas-based business owner who cooks daily and comes from a large Sicilian family, pasta and olive oil are necessities.

“If you can only afford these two items to always have, then you always have a meal on hand,” Rios says. “If you’re really broke, fry some garlic in olive oil, boil the pasta, then drain and mix them together. If you have Parmesan cheese, sprinkle on top, and if you have breadcrumbs, fry them up in the garlic and olive oil and add to pasta.”

Appliances. When you’re buying your next appliance, it’s easy to focus on the obvious (will it fit and be the right color?) and forget about, well, everything else. But keep these factors in mind when shopping for:

A refrigerator. Think about the energy it produces, suggests Sabine Schoenberg, a Greenwich, Connecticut-based real estate agent and author of “Kitchen Magic: Secrets to Successful Kitchens.”

“Most buy refrigerators for the brand and the look,” she says, when they should be thinking about where the motor is. “High-end refrigerators have the cooling motor on top of the fridge, keeping the heat from the cooled area. This saves energy and adds durability,” Schoenberg says, adding that a refrigerator with a motor on top can extend the longevity of the appliance.

“Also, the quality of the food in high-end units is simply better,” Schoenberg says. “How often do people wind up throwing out spoiled food from their fridges? This is cut way down with high-end units. The cooling is way better.”

Schoenberg adds this, which may not be practical for money- or space-crunched homeowners: “If the budget allows, buy a separate fridge just for drinks. That will free up your fridge space tremendously. Many good kitchen designers will recommend this.”

Of course, if your old refrigerator works, you could put it in the garage for stowing excess beverages, if you don’t have room for two refrigerators in your kitchen.

A stove. If you’re in the market for a new stove, do your homework. For instance, glass-ceramic stovetops look beautiful, but they can be hard to clean; many cleaning products are no match for certain foods, and even water can burn onto the stove surface, meaning you’ll see stains.

Nancy Lauseng, a marketing professional in St. Michael, Minnesota, and someone who loves to cook, says the best appliance she ever bought was a convection oven combined with a microwave and range hood.

“This gave me three appliances for little more than the price of one,” says Lauseng, who just moved into a new house. She plans to get another combination oven soon.

A dishwasher. Consider the noise factor. “This is an issue that is gaining importance, since today’s kitchens are open and connected to living spaces. In other words, avoid having to turn up the TV to overcome the dishwasher noise,” Schoenberg says.

Kitchen tools. You could become overwhelmed, and very broke, trying to anticipate every cooking utensil you might need, especially if you’re stocking your first kitchen. But the basics include: a pot, skillet, casserole dish, spatula, baking sheet, plates and silverware. Beyond that, knives are always handy, says Anna Carl, a consumer scientist at Whirlpool Corporation’s Institute of Home Science.

“You don’t need a specialized knife for every task,” Carl says, but she recommends having “a basic chef’s knife with a broad cutting blade, a bread knife with a serrated blade and a basic paring knife for peeling and small jobs.”

And while you can buy numerous kitchen cleaners, Rios says she always opts for an old standby: bleach.

“Soak the sink in it, clean the floor with it, dilute it and wash the counters down,” she says. “It is the utility cleaner.”

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How to Stock Your Kitchen Like a Pro Without Blowing Your Budget originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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