How to Make Frugal Bread Pudding


A Frugal Food Recipe

Frugal bread pudding is made from a frugal food recipe. The two main ingredients are stale bread and sour milk. This is what differentiates the recipe from regular bread pudding. In other words, they are ingredients that Middle Class people would normally throw away. As part of The Former Middle Class, we make frugal family food. We work with what we have and we do not throw usable food away. In addition to that group, I have started another group that will increase and reiterate helpful information from the first group. Th new group is called, Healthy Frugal Food Resources & Recipes.

frugal bread pudding
Raisin bread pudding from ‘The Very Best Baking by Nestle’ Recipe
Why Frugal Food Recipes?

We were victims of The Poor Middle Class Crisis resulting in our becoming One Day From Homeless in 2009. This was a result of the 2008 stock market crash. My husband lost his job the same week as the crash. By 2009, we had depleted all our equity and savings. We had to turn to the social services system for help. This meant we had to learn to live a very different way from the past. This is where frugal food recipes eventually came into the picture.

Frugal Bread Pudding

The second thing that makes a recipe frugal is that as many ingredients as possible come from a food pantry or other donated source. In the case of this frugal bread pudding recipe, most of the ingredients are from our food pantry.

Let’s compare the ingredients in the regular recipe with my frugal bread pudding recipe:
• 16 slices bread, cubed
• 1 cup raisins
• 2 cans (12 fluid ounces each) NESTLÉ® CARNATION® Evaporated Milk
• 4 large eggs, slightly beaten
• 3/4 cup packed brown sugar
• 1/4 cup (1/2 stick) butter, melted
• 2 teaspoons vanilla extract
• 1 teaspoon ground cinnamon
• 1/2 teaspoon ground nutmeg
• Caramel sauce (optional)

frugal bread pudding
The ingredients for raisin bread pudding from The Very Best Baking by Nestle®

• 2 loaves of whole grain bread* (I got 4 loaves so I made double the recipe)
• a cup raisins*
• one can of condensed milk*
• 1 can of coconut milk*
• 2 large eggs, slightly beaten
• 3/4 cup packed sugar (a mix of brown sugar/stevia)*
• ghee
• cinnamon
• nutmeg
*ingredient is from a food pantry

frugal bread pudding
My frugal bread pudding made with stale sourdough bread and sour milk. What a treat! It sure looks a lot more rustic than the original recipe photo.
Comparing a Regular Recipe to a Frugal Recipe

What makes a regular recipe different from a frugal recipe:
• using what is at hand only
• making no store purchases for the recipe
• relying upon food pantry or other donated items
• making a recipe as healthy as possible


Our lives have changed dramatically since we became members of The Former Middle Class. Actually, in many ways, these changes are for the better. We do not rely as much on consumerism for joy and entertainment. Instead, we focus on simple, cost free pleasures. Life itself has more meaning and more value. We appreciate and have gratitude for all the miraculous things that constantly happen in our lives. This is not to say that it is easy or without major challenges at times. But we have become much more self-sufficient, less wasteful and more resourceful.

Healthy Frugal Food Resources and Recipes

We know how important it is to ask for help and participate in giving it in community. Learning to make cost effective food like frugal bread pudding is the proof that we are living a blessed life. Frugality is not a punishment. It allows us to see and experience life in a very different perspective. It is a perspective that has much more room for what is really of value in life.

frugal bread pudding
Frugal Family Food, the helpful Facebook group
Sources and Resources

Frugal Living to a Rich Life
The Former Middle Class Facebook page
Frugal Family Food a helpful Facebook group
The Original Raisin Bread Pudding Recipe
A Savvy Savings Survivalist
101m 101 Ways to Prepare Canned Chicken
Frugal Living Guide and Tips from Money Hacks
How a Year of Extreme Frugality Changed Us
Frugal Living 101 from
The Cheapskate Guide to 50 Tips for Living Frugal from
Frugal Living from
Frugal Living Rules from

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Creating An Authentic Story



Tell Me A Story
We love stories. We can read a book or have one read to us. Perhaps a story is online or viewable on the multiplicity of media available. Ultimately, the results of the creation of an authentic story is a treat for us all. Besides entertaining, a story can be informative. In addition, it can promote a business or a product. Whatever the purpose, the process is basically the same. In this post, the focus is on the process.

The Creation of a Story
The process of creating an authentic story requires intensive research and lots of writing. I’ve created several stories containing the required elements. In all four authentic story situations, there was access to primary sources and extensive research. Sometimes having access to primary sources is impossible. So when it does happen, it can be very special for both the writer and the reader.

Four Authentic Stories
The authentic stories here touch upon four different non-fiction topics:
• business-a multi-million dollar corporation that started in a janitor’s closet
• social issues-The Middle Class Poor Crisis, a serious situation that exists today
• creativity-a creative-organizational process called Knolling
• music-some very special musicians

Each of these stories is set up as a series of blog posts. To read each of them, click on their link. That will be the first post of the story. You will be able to read the additional posts from there.

The Story of A Corporation That Started In A Janitor’s Closet
The Charrette Corporation Chronicles
The Charrette red van was part of my intense research & writing process
The Charrette Red Van Travelled from Boston to New York Daily Long Before The Invention of Federal Express Overnight Delivery.


A Social Issue called, ‘The Poor Middle Class Crisis’
The Poor Middle Class Crisis
poor middle class financial survival toolkit
The Secret Shame of Middle Class Americans


A Creative Organzational System Based on Florence Knoll Furniture Designs, Knolling
What Is Knolling? From 10 Bullets. 2009 by Tom Sachs
What Is Knolling? From 10 Bullets. 2009 by Tom Sachs Posted on the Blog, August 19,2015


Some Very Talented Singers
Expressions of Creative Passion
Sister Rosetta Tharpe
Sister Rosetta Tharpe, The ‘Godmother of Rock ‘n Roll

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Affordable Housing
Poor Middle Class Affordable Housing is hard to find. But it is a top financial survival toolkit priority. Without it, poor middle class people can fall into the following crises:
• unable to pay bills
• end up in debt
• go hungry nutritionally by eat mostly cheap, unhealthy food
• become homeless
• unable to get proper medical care
• suffer from all of the above

What Is Affordable Housing?
According to Wikipedia, affordable housing is:
affordable housing
The Definition of Affordable Housing According To

Finding Affordable Housing
Our search for poor middle class affordable housing was a nightmare. In fact, it was the hardest part of our financial survival journey. This is because of the following aspects of it:
• the amount of paperwork involved
• a time-consuming application process
• the bureaucratic qualification procedure
• pressure due to our tight deadline

poor middle class affordable housing available by lottery or application
Affordable Housing Available by Lottery and Application from

What Is Subsidized Housing?
According to Wikipedia, subsidized housing is:
• a government sponsored system of economic assistance programs
• designed to alleviate housing costs and expenses
• meant for people in need
• designed for low to moderate income families, seniors and the disabled
• often called, ‘affordable housing’ in the United States

According to Wikipedia, subsidized housing is:

affordable housing
A definition of Subsidized Housing according to Wikipedia

Subsidized Housing Programs
There are several forms of subsidies:
• direct housing subsidies
• non-profit housing
• public housing
• rent supplements
• some forms of co-operative and private sector housing

affordable housing
Section 8 Housing In The South Bronx from Photo by Jim.Henderson

Those who qualify to apply for subsidized housing must be:
• Families in financial need
• Seniors aged 55 and above
• Disabled people over a certain age

There are two types of management, either government or privately run.

What is Senior Housing?
Senior housing is housing available to independent seniors, aged 55 and older. It is usually subsidized. As a result, it is more affordable than market value housing.
affordable housing
Independent Senior Living Defined by

Seeking Senior Housing
There is a huge amount of research and paperwork involved in applying for senior housing. In fact, it is the worst part of the process for us. Each housing project requires its own application. Because of this, I was very overwhelmed. Just the thought of it stopped me from applying originally. But eventually, relocation became an emergency. We were hard pressed to find an affordable place to live. Because municipal senior housing units had several years waiting lists, we did not know what to do. We were on the verge of homelessness.

Here is our strong recommendation. Don’t let this happen to you. Apply for senior housing years before you think you may need it.

Poor Middle Class Affordable Housing
Affordable Senior Housing Becomes Scarce As Boomers Age from

Fortunately, a private senior facility had a vacant unit. Much to our relief, we were accepted within two weeks. But there was one drawback. The only units available were studio apartments. In spite of the size, we grabbed one. As a result, we were set up in our new home within a few weeks. After that, it took another two and a half years to get a one bedroom apartment. When that happened, we felt like we had moved into a palace. In the summertime, we see nothing but tree. It feels like we live in a tree house. It is like heaven.

section 8 is considered affordable housing
Housing Choice Voucher Program, Section 8 Housing from

Section 8 Housing Vouchers
Large apartments buildings and multi-family homes accept Section 8 Housing Vouchers. According to Wikipedia:
poor middle class affodable housing
Section 8 Housing According to Wikipedia

A New Home
Our subsidized apartment is modest. There is no dishwasher. In addition to that, there is no terrace or yard for growing food. There is nowhere to make a compost heap for food garbage. But best of all, having a roof over our heads is a blessing. In addition, we have made a home here. There is a saying, ‘home is where the heart is’.

The next post, Alternative Living Resources begins exploring unique housing opportunities.

affordable housing
‘Home Is Where The Heart Is’ Amish Quilt




Sources & Resources
Viper Tool Storage Company

Subsidized Housing

Affordable Housing

Latest Affordable Housing in NYC Thanks to Mayor di Blasio

Section 8 Housing Voucher Program

Affordable rental units

Affordable Housing

Deal Aims to Keep a Former Welfare Hotel in Manhattan Affordable

Housing Search in NYS

Section 8 Housing Voucher Program

What Is Independent Senior Living?

Affordable Senior Housing Becomes Scarce As Boomers Age

10 Places to Retire and Pay Less Taxes
Senior Living Guide

‘Home Is Where The Heart Is’, Amish Quilt

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SYNESTHESIA: A Neurological Phenomenon

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Do you know what synesthesia is? Do you know anyone who has it? Are you a synesthete? I have synesthesia. I have had it since childhood. I have always considered it to be a fun game I could play in my mind, seeing numbers in specific colors. I can sometimes still experience a correlation between days of the week with colors and numbers,too. I never told anyone about my ability until recently. I had no idea that it was unusual, had a name or was an actual brain function that some other people experienced as well. At least one in 2,000 people have this neurological phenomenon.

I have synesthesia. These are the colors and numbers that automatically correlate with each other in my mind.

Wikipedia description of synesthesia
“Synesthesia (also spelled synæsthesia or synaesthesia; from the Ancient Greek σύν syn, “together”, and αἴσθησις aisthēsis, “sensation”) is a neurological phenomenon in which stimulation of one sensory or cognitive pathway leads to automatic, involuntary experiences in a second sensory or cognitive pathway.[1][2][3][4] People who report a lifelong history of such experiences are known as synesthetes.
In one common form of synesthesia, known as grapheme-color synesthesia or color-graphemic synesthesia, letters or numbers are perceived as inherently colored.[5][6] In spatial-sequence, or number form synesthesia, numbers, months of the year, and/or days of the week elicit precise locations in space (for example, 1980 may be “farther away” than 1990), or may appear as a three-dimensional map (clockwise or counterclockwise).[7][8] Synesthetic associations can occur in any combination and any number of senses or cognitive pathways.[9]

“Little is known about how synesthesia develops. It has been suggested that synesthesia develops during childhood when children are intensively engaged with abstract concepts for the first time.[10] This hypothesis – referred to as semantic vacuum hypothesis – explains why the most common forms of synesthesia are grapheme-color, spatial sequence and number form. These are usually the first abstract concepts that educational systems require children to learn. Only a fraction of types of synesthesia have been evaluated by scientific research.[11] Awareness of synesthetic perceptions varies from person to person.[12]”

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