I know very well how quickly things can change but November gave us a good reminder of just how change affects everything. My goal for November was to reduce spending basically a no spend month. Sounded like a reasonable goal with the focus on paying off all the bills by the end of year. Just three days into November and we learned that Matt would be losing his job. After looking at our situation, some prayer and as the shock wore off, we decided to first sell the van and try to arrange our lifestyle to live on what income we could be certain would be available. I am thankful that it really will not be a difficult adjustment. Things are different but not awful.
Groceries– budget amount is $650. $484 I have already been purchasing some items for Lily’s party. I also did some stocking up on drinks and other things that I wanted to have on hand. I am not sure what the month of December holds as far as groceries but I know that starting in January and lasting until Matt has steady employment is to reduce the grocery budget to $50 a week which or $200 a month for fresh veggies and bread only. I may try to do this as well in December after Lily’s party.
Auto/ Gas / Insurance. My goal is $400 a month. $385.80. Met! One of the big downsides to the new Tahoe is the gas mileage of 15 miles per gallon. We are trying to be diligent about driving it only when needed. The Equinox gets awesome gas mileage and we can drive as much as we need without a second thought. I am going to keep the goal the same with alot of monitoring at this point.
Cash Envelope system- Goal not met! This goal becomes one of the most important part of our budgeting system. It is no longer a choice but a requirement.
Goal #4- Blogging- 15 post per month. Goal Met! This is post number 15
Goal # 5- Fitness– Goal is to exercise of some type at least 10 days a month. Nope Naa
Goal #6 – Bible study- Goal- Read or Listen to the entire Bible in a year. Need to find something to get started on this.
Earnings– Cashed out Ibbota for $28 and fetch for $3, with another 7 currently in the account, I am waiting to cash out at 10 this time. Verizon for $5. Total $36 free money this month!
No Spend Days– Did not keep up with this as it just was too difficulty. I worked hard to make sure things were paid. I know we had 1 day of no spend and even that is an improvement over zero.
We had some unusual expenses during this month. We also spent a ton of money but in the end, I have been able to balance out most things. We are ending the month with a brand new Tahoe, new to us camper and a huge drive way! Most of this was covered by Matt’s inheritance so we are grateful. We also have to figure out how to cover the expense of Lily’s car.
I know of at least one more project that we want to finish which is some better organization in our closet. We also have our first camping trip planned for December. And best of all is CHRISTMAS!
This is the first real week that we are going to try eat from the freezers and pantry. The grocery budget for this week is going to be spent on Lily’s party.
Breakfast– Saturday-left-overs. Sunday-Biscuits Monday, Tuesday, figure it out! Wednesday, Thursday, Friday-choice of breakfast muffins, eggs, pop-tarts, sausage, oatmeal, cereal or grits, breakfast burritos, or omelets.
Lunch- – Saturday-Outback for the girls Sunday- Cracker Barrel. Left-overs, pizza and soup should work for most of the week.
Dinner- – Saturday-Pizza Sunday- Left-overs. Monday- Cowboy beans Tuesday-soft tacos Wednesday-Chicken nuggets and FF Thursday- Cube steak and mashed potatoes Friday-Baked potato bar at Lily’s party.
Lily says the lighting in the Tahoe is amazing….
Things will look a little different this week because of Thanksgiving. I wish I could just plan to eat left-overs Thursday and Friday but this will not be happening around here. I will be taking the turkey to my brothers on Thursday but seriously doubt we have any left-overs from it. I actually have another turkey breast in the freezer that I might make if the mood is right. Haley and Amanda will both be over on Thursday night for our appetizers and most likely Friday morning for breakfast. Lunch on Friday will be a find it. Dinner on Friday might be a homemade pizza or it may be left-overs depending on what the fridge looks like.
Breakfast– Saturday-Eggs and hash brown casserole (new recipe). Sunday- Biscuit King Monday, Tuesday, figure it out! Wednesday- planning on a pumpkin baked oatmeal. Thursday sausage and cream cheese crescent rolls, Friday-choice of breakfast muffins, eggs, pop-tarts, sausage, oatmeal, cereal or grits, breakfast burritos, or omelets.
Lunch- Saturday–Left-overs including cheddar bacon fries. Sunday-Greggs . I have planned to take 2 bowls of soup for Monday and Tuesday. Wednesday- cheese quesadilla, Thursday- Thanksgiving, Friday left-overs or pizza
Dinner- Saturday-left-overs Sunday- Broccoli-Cheese soup. Monday- Hamburgers and FF Tuesday-Chicken and Dumplings in the crockpot. Wednesday- Left-overs Thursday- Appetizers. Friday-Good questions seriously!
Things should start to settle in this week. Matt is officially unemployed and we are in the space between sports and holidays. With some extra time off last week, I feel like I am caught up. The idea is to eat at home and use up left-overs. I am trying to decide how to use the left-overs better. I usually do not plan for lunches or dinners on the weekends but since I have some spare time I like cooking so I might try a left-over evening a week? Any suggestions?
Breakfast– Saturday-Eggs, bacon and toast. Sunday- Apple cinnamon baked oatmeal Monday- Banana muffins, Tuesday, Wednesday, Thursday, Friday-choice of breakfast muffins, eggs, pop-tarts, sausage, oatmeal, cereal or grits, breakfast burritos, or omelets. We have managed to use up all the eggs so back to more traditional and quicker breakfast.
Lunch- Saturday–Left-overs Sunday-Christo’s . I am taking several days of left-over turkey and fixing this week as well as a day of Chinese left-overs. If I have a plan I don’t end up eating out as much.
Dinner- Saturday-Chill cookoff and McDonalds for the non-chili eaters. Sunday- Turkey, mashed potato, gravy, stuffing, squash casserole and rolls. Monday- Beef and broccoli and rice Tuesday-Soft Taco. Wednesday- Impossible Cheeseburger Pie Thursday- Rice Creola Friday-Chicken and dumplings
Today I am thankful for some extra time off from work. When I worked at the hospital, Veteran’s Day was not considered a holiday of any shape or fashion. At the school system today is definitely a holiday. I had some extra time today to spend at church preparing for the fundraiser this weekend. We all enjoyed a special treat with a lunch out. Matt and I made a grocery store trip. Finally haircuts for all of us!