kitchen

A bad spell devastated my kitchen. The most useful personal finance tool has saved me

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They say that misfortunes never come alone and, when it comes to appliances, that is a more than likely reality. In the last year, all the appliances in my kitchen have been falling apart one by one. First the washing machine, then the dryer, the coffee maker, a couple of months ago the refrigerator, and now the microwave is starting to beep randomly. He’s asking for the time. Being an adult was this. For an average economycope with replacement of all those appliances In a single year it represents a significant setback. However, we have been able to face this important unforeseen event thanks to a key tool in personal finances: the emergency fund. Concern in Spain about unforeseen events The concern about not being able to face an unexpected expense is very present in Spanish households. a study from the neobank Nickel points out that 64% of the people surveyed are concerned that their savings are not enough to cover an unforeseen event, five percentage points more than what was stated in the same study from the previous year. The same report shows that 28% claim to have planned their savings well, while 8% claim to have not no savings available. Furthermore, the impact is not the same for everyone: 5% of men say they do not have savings, compared to 12% of women, and only 35% of those over 65 consider that they have a cushion large enough to deal with an unforeseen event. Why an emergency fund matters The case of my appliances being damaged is a good example of what it is and the importance of having an emergency fund. Financial institutions define the emergency fund as an amount of money saved only for unforeseen events, different from savings for goals such as trips or renovations. It is used to cover, for example, a car breakdown, a boiler that breaks down or a sudden healthcare expense, without upsetting the entire month’s budget. Having this mattress provides two clear advantages: on the one hand, it reduces stress because it allows face unexpected expenses without making hasty decisions, and on the other hand, it protects you from falling into debt that later becomes difficult. How much money do you need? Ok, it is useful and necessary to create “a little corner” for unforeseen events, but how much money would we be talking about? Factors such as inflation, rising prices from the shopping cart or wage stagnation makes saving a utopia. According to a report Elaborated by Triodos Bank, 19.4% of those surveyed say they are never or almost never able to save, while 36.9% can only do so some months. Only 43.7% claim to be able to save regularly. Therefore, it is understandable that the idea of ​​saving, when you have a month left at the end of your salaryit becomes difficult for you. Don’t panic. Some banking entities match in which the fund should cover between three and six months of monthly fixed expenses, adjusting the figure to the financial situation of each person or family. If you have variable income or self-employment, some experts recommend expand that margin by covering six to twelve months of fixed expenses. The result will be your goal saving for emergency fund. To establish a specific savings figure, you must calculate how much you spend each month on housing, supplies, food, transportation and other basic expenses, and multiply that amount by six or twelve months, depending on each situation. There is even calculators that help you to establish that figure. Tricks to build the emergency fund without stress Once the savings goal has been established, it is time to start the plan to make it possible. It is not necessary to spend a large amount of money monthly for this fund, although it is advisable to establish an affordable monthly fee. They can be 10, 20 or 50 euros. It depends on your economy. The important thing is to start contributing. When it comes to money, the flesh is weak and the temptation to skip the monthly contribution will be very strong, so it is best to establish a savings strategy. Automate monthly savings On the one hand, physically separate that emergency fund from the rest of your savings. For example, in a new account. By separating it from your savings or checking account, it will be much easier for you to know how much money you have saved in it and adjust your savings plan. On the other hand, on a psychological level, seeing how that amount grows will serve as motivation to achieve the goal. In order to avoid temptations, it is best to automate the monthly transfer of the amount you have established as a quota for your emergency fund. That way, as soon as your salary is credited to your account, that fee will be reserved for emergencies without you having to do anything. If you are not obliged to manage that money every month, you will not be tempted not to reserve it. It’s not what you save, it’s what you don’t spend When the savings capacity is limited, it makes a lot of sense to review the so-called “ant expenses“: coffees away from home, impulsive purchases on apps, subscriptions to services you never use or frequent low-cost cravings. Redirect those small expenses Frequent trips to your emergency fund can make a difference over time, transforming money that slips away almost without realizing it into a cushion that protects against fines, repairs or unexpected bills. Another key to making the emergency fund grow without realizing it is to redirect all or a good part of any unexpected incomesuch as tax refunds, extra payments, bonuses, smaller prizes or cash gifts to your fund instead of your checking account. After all, it is a income you didn’t count onso nothing better than dedicating it to an equally unexpected emergency. When to use the emergency fund? It seems like a truism question, but when you have a certain … Read more

The Mercadona Crusade against Home Kitchen is working. The question is what nutritional cost we are accepting it

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In the last eight months, Mercadona has won seven more tenths in market share and already reaches 27.3%. It is a real barbarity that reaffirms it in the lead and moves it away from its closest competition: Carrefour. But the most striking is not that. The most striking thing is that, According to the dataeverything is because The crusade against the future of the kitchen at home Juan Roig is paying off. We knew that the world has been quitting for decades, what we didn’t know is that this was going to go so fast. What we do not know, in fact, is what consequences all this has in the medium term. Are we putting the foxes to monitor the chicken coop? A future, but now. Because, although Media Spain threw himself on Roig when he assured “in the middle of the 21st century there will be no kitchens”, the truth is that right now more than eight million Spaniards resort to the prepared dishes of the supermarket. In fact, Statistics tell us data That, in the last decades, home cuisine had been in clear decline. Millennials “ate 30% more often in restaurants than any other generation; when they cooked, they spent less time (one hour less than the X generation) and, when they bought, they opted more by prepared meals, pasta and sweets than the rest.” They are USAs, but We can find similar trends in all western countries. There was a small change with pandemic, but things They seem to be returning to their channel. 17 kilos per head. That is The amount of prepared dishes they consumedon average, the Spaniards in 2024. 6.6% more compared to the previous year. And in these data we do not take into account that The tendency not only “translates In a greater offer of prepared dishes, but also in a simplification of fresh products, destined to reduce the time we dedicate to the kitchen. “ The reasons are clear and understandable: According to Kantar consultancy“comfort, lack of time and the increasingly elaborate and healthy proposals by supermarkets” are the factors behind this change. But this is true? I refer, specifically, to “healthy proposals.” And not with respect to traditional precooked dishes, which that (a priori) is evident. But, with respect to the general diet of consumers. That is: this movement is improving our diet or not? The question is pertinent. Above all, because we have the problem of ultra -processed. It is increasingly evident (Ylgreat studies confirm this) that there is a “positive correlation between the consumption of these foods and A list of up to 32 health problems ranging from cardiovascular mortality to depression. “ We talk about an increase of about 50% in the risk of death related to cardiovascular problems, a similar increase in the risk of anxiety and “common” mental health problems, and a 12% increase in the probability of developing type 2 diabetes. Even more The data show An increase of 21% in the risk of death for any cause and one between 40 and 66% of the risk of death by heart attack. The invasion of the defendants. In 2010, ultraprocessed food represented 31.7% of the Spanish diet and 80.4% of all added sugars. That is, the weight of the processed food in our diet tripled between 1990 and 2010 (from 11% to 31.7%). In parallel, the weight of added sugars has gone from 8.4% of our daily energy intake at 13%. It is a serious problem and becoming aware of it has made, as we said, the products are healthier than before. But the emergence of these pre -cooked dishes much more attractive, convenient and accessible raises doubts. Are we facing a new phase of that trend? Will our diet worse? Answers are missing. It is soon to see how all this is affecting (and will affect) the food of citizens. Do not forget that, as we often repeat, not all processed foods They suppose a health risk. But what the historical experience tells us is that we cannot leave everything in the hands of the companies in the sector: without an ambitious regulation and a committed public opinion, the situation can become against us. It is, it seems, the ideal moment to use this boom in favor of public health. Then it will be much more difficult. Image | JJ Melero In Xataka | Juan Roig believes that cooking at home has no future. There are eight million Spaniards who are already giving the right

Trick to avoid oil splashes in the kitchen

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The splashes of oils They cause accidental burns, dirty the kitchen and can damage or stain clothing, To avoid these inconveniences when cooking, an expert advises adding a little salt to the pan and problem solved. Chef and author of the recipe book Every day with Babs, Barbara Costello shared a practical tip to avoid splatters; Add salt to the bottom of the pan to keep splatters at bay. Splattering is a reaction when the water in the food mixed with the hot oil evaporates. The trigger for splashing is the steam that produces a reaction in the hot oil that splashes. There are several reasons why splashes occur. 1.- Pans or vegetables with traces of water, so it is recommended to dry them before starting to fry. 2.- Dehydration of food, which is a natural process when frying, since as the Tasting Tablet experts say, the moisture has to come out somewhere. Why use salt? Add salt to the pan before frying, Helps absorb moisture, which reduces the amount of water reacting with the oil, decreasing the chance of splattering. This trick works when using a thin layer of oil, since it is not effective for frying fries or crispy chicken wings. Yes, it works when it comes to sautéing, pan searing, and shallow frying. To fry food in deeper pans, the first thing to avoid is throwing the food, instead it should be placed gently in the oil to avoid splashing. Adding food uncontrollably and getting too close makes us more prone to splashes. To handle food more easily, you can use kitchen tongs. Keep reading:

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