Caregivers, are you stressed these days about finances?

Check out 5 tips to save more and spend less.

1. Look inside your clothes closet.
Are you spending $10 or more to clean one dress or suit? That kind of money adds up. Store away clothes that must be taken to a dry cleaner.

Many items do just fine in the washer and dryer. Check out Walmart, Target, and Kohls for low-cost, fashionable casual wear. Visit local secondhand shops for gently used designer clothing and accessories.

2. While on the subject of clothing…
Are you saving time and sanity with large aprons and bibs to protect clothing from spills?

Another tip: Do you keep a stash of disposable bibs in the car for dining on the road?

3. Do you qualify for free medicine?
The Partnership for Prescription Assistance may be able to help. Caregivers can get information on numerous public and private assistance programs as well as information about free health care clinics in your area. Visit www.pparx.org to see if you qualify.

4. Are you getting the best price on incontinence products?
You can often beat prices on diapers and pads that you see in the stores. Save money by comparing prices at local pharmacies. Go online, too, but include shipping costs in your comparisons. Some companies may offer discounts and delivery to your home.

Check your insurance coverage to see if incontinence wear qualifies as a covered expense.

5. Taking full advantage of medical and caregiver deductions?
For those who use Schedule A on the 1040, medical expenses are deductible if they exceed 7.5% of adjusted gross income. This includes not only money spent for diagnosis, prevention, and treatment, but also such things as dental expenses, insurance premiums, and transportation to get medical care.

Equipment and home improvements may also be deductible if they are for relief of illness or disability.

As a caregiver for an elderly parent, the financial support you provide your loved one may be deductible on your own taxes. In some cases, the person you care for may qualify as a dependent.

Tax laws change frequently. Be sure you’re up to date on every deduction that can benefit your family.

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Struggling to provide care for an elderly loved one? www.agingcare.com offers tips, advice, and support.

Admittedly, 2010 was not an optional year for home gardening, at least not in this part of the Midwest. Stifled by the cool, wet weather of August, my sad little tomatoes apparently gave up trying.

A first attempt at growing my own black beans went much better. I harvested in early September, let the pods dry out a few days, then shelled and stored the fruits of my labor in sturdy Rubbermaid® plastic containers.

Growing black beans in a garden:

• Follow seed packet instructions for planting depth and spacing. Use soaking instructions, if given, which will help rehydrate the beans and encourage germination.
• Black beans grow best when the temperature is between 65-75 degrees F. They are a vine bean and can be grown on a pole or trellis (optional).

• They require around 90-120 days to reach maturity and to dry out. The bean should be black, not white, when you harvest.
• Heat and humidity can be a factor. Too much can cause damage while the beans are still drying on the plant.
• Don’t forget to clean & soak the harvested beans prior to cooking.

Tip: If you plant non-hybrid (heirloom) beans, you can even reuse the harvested beans in next year’s garden!

Before Cooking Your Harvested Beans, Soak ‘Em

Quick Soak
2 cups of beans to 8 cups HOT water
Boil 2 minutes, remove and cover for 1 hour
Drain, rinse
Cook with 6 cups of water, simmer with lid tilted 2 hours (or until tender)

Overnight Soak
2 cups of breans to 8 cups of COLD water.
Let stand 6-8 hours.
Drain, rinse
Cook with 6 cups of water, simmer with lid tilted 2 hours (or until tender)

Here’s a dish that’s easy to prepare at home. The black beans pack a powerful protein punch, and who doesn’t love tomatoes and rice? Cheap meals? Makes 6-8 servings for under $5.

Ingredients (for 6-8 servings)

1 box Zatarain’s® Spanish Rice
1/2 cup white or brown rice
1 can diced tomatoes
1 can spicy tomatoes with green chilis
1 can black beans (rinsed if desired to reduce sodium and other additives)*
2 cups water

Bring the water to a boil in a large skillet. Stir in contents of the box of Zatarain’s Spanish Rice. Add tomatoes and rice. Cover and simmer on low for 20-25 minutes or until the water is mostly absorbed. Stir occasionally to prevent sticking. Add black beans, including juice. Cover and simmer another 5-10 minutes. Remove from heat.

* To save even more at home, grow black beans in your own garden.