- The past week has really flown by. I was able to accomplish almost everything on my list for this second vacation week! Including hair cuts for all of us and a nail trim for Rugar!
- Starting Monday, both Matt and I will be working full time. This will be the first time in our marriage (13 years) that we will both be working full-time.
- One of the main things I am concerned about is cooking and groceries. We will all continue to take lunches as well as eat the majority if not all of our meals at home. I have spent a considerable amount of time and money on groceries this week. I have visited Costco twice, Food Lion three times and Walmart and Harris Teeter. I have spent a total of $467 just this week. I will probably end close to $500 as I am going to stop at Food Lion for more Diet Cokes over the next several day. I am able to purchase 10 2L of Diet Coke for $9.52 until Tuesday. After doing most of the cooking on Monday, I have continued to add simple things by cooking double most of the week.
- We finally got around to weeding and watering the garden today. I discovered that my lettuce had self seeded and I have a bunch of small plants. I am going to leave and see if any grow larger enough to eat. We also harvested several watermelon and two full buckets of green peppers. I am hopefully that we will continue to harvest tomatoes, pimentos and peppers for at least another month. I was also very excited to see that my sweet potatoes are starting to grow. They can stay in the ground until the first frost which is around the end of October.
- I was also able to complete a picture collage using pictures from our Disney 2015 trip. I have only had the collage picture for 4 months!
Did I mention how excited I am to start at Davie County Schools on Monday?
Financial- We are attempting to use a cash only method for the first six month of the year in order to get us some better financial balance. We have had several large expenses this month but we continue to focus on the small gains.
- Total paid to credit card debit $1483 total reduction in credit card debit approximately $612.We are final down to a level that is less than we ended with in December of last year. We have experienced a boast in income which we hope to increase and continue in the summer.
- Grocery budget $475- Total spent $531.77. Yikes, It happened again and this does not include our cow purchase. The good news is that I have already made a menu plan for the month and plan to stick to $100. We will be receiving our cow sometime this month but I really don’t expect this to add to our cost at all. I am going to limit spending to what we are out of and Suddenly Salads if they go on sale.
- Gas budget- $280- Spent $230. Gas prices are starting to increase in our area so I seriously doubt we come in under budget for the next couple of months.
- Kid/Summer expenses :Swim team and Baseball games.
- Earned $88-this is indeed a much lower amount than any of the previous months I have tracked but it is still extra money. We have decided to use this “extra money” for gardening and other yard supplies.
- Blogging- 9 for the month. Super busy this month. The blog was technically down for over a week. Hoping to get back in the swing of things.
- Exercise- 2 total days for the month. a goal of 15 but not sure if that is realistic or not. This weather SUCKS! I am looking forward to the summer and time in the pool.
One of the largest expenses that we have each and every month is groceries. I spent a lot of time trying to control these numbers. If you will recall I had a HUGE grocery budget overage in the month of March ($726). I was planning to attempt to keep the April budget to less than $100. But to be honest that is already not possible and we are in the middle of April. What I can say is that I have been able to stock up on lots of canned items and grab some quick and easy breakfasts for us as well. Harris Teeter has been having some huge sales in the past couple of weeks, for example, I grabbed 15 cases (12 packs) of soda for $1.99 today. This alone is a saving of $50. Cereal, grits, oatmeal and yogurt round out the list of items that I purchased today as well. My plan for the rest of April is to only purchase things we are completely and totally out of that we can not survive without milk and eggs being the biggest things that I can thing of. Otherwise to be honest I am going to avoid all grocery shopping. I am going to allow for one exception “Suddenly Salad” Pasta that usually go on sale for approximately $1 a box. I need/ plan to purchase 25 of these to use once a week this summer as a quick easy and delicious meal.
I received the news today that we will also be purchasing a cow in the next month. This cow currently weighs 1400 pounds. This meat should last approximately 2 years. I am super excited about this meat.
The other food related good news is that within a month we should be able to start harvesting items from the garden. I am excited this year because all the plants should be purchased with gift cards earned from Swagbucks. This means that the entire garden is a profit not matter how little we may harvest.
I mentioned yesterday that we had purchased a trailer of mulch. The cost of the mulch was $15. I was totally amazed at the amount of mulch that we received. Here is a picture of the trailer AFTER I worked on spread for a couple of hours on Friday night.
This was a picture of the mulch uncovered about half way through Saturday.
I have never purchased mulch this way before. I am used to purchasing by the bag at Lowes. I would have been able to purchase approximately 7 bags at Lowes during the best sale which is $2 a bag. This was ALOT of mulch. We were able to apply mulch to all 3 flower bed around the house in addition to the two areas in front of the building and the new area I started in front of the kids play house.
Finally I decided to add mulch around the square foot garden and mulch in the area directly beside several of the beds. I have been doing some research and the mulch should help maintain the temperature better, hold water and prevent weeds.
I will admit defeat, I was unable to use the entire trailer of mulch, left approximately a fourth of the mulch for someone else. It did take a lot of effort or more accurately plain old hard work but we saved over $200 in mulch.
We received our income tax return today. I was very determined to use it in the most efficient way possible. In order to accomplish this I have spend the better part of the morning, looking at budgets and trying to put together some plans and strategies. One of my main concerns and areas of focus was “known” expenses. These are expenses such as yearbooks, pool dues, brakes, and oil changes that I know are coming at some point. These are also where I feel like I really don’t plan enough. I have tried to come up first of all a list of these expenses and more importantly a plan to pay them. My overall goal is to be able to set a budget and any money saved from that budget can be used to help cover kids expenses, or reduce our debit. Currently it is more like a move money to cover this expense but opps now I need to cover this expenses. I am overall really pleased with where I think we stand as far as a budget goes.
The tax return will be used to cover the deposit on our beach vacation in August. The rest of this will be paid from my “extra” check in June. We will also replace the windshield in my van, replace the brakes on Matt’s van and get an oil change for his van. The rest of it and our state return will be used to help fill some gaps that I have identified in our budget.
The weather for the last few days has been cloudy but with temperatures in the low 70s. We have turned off the heat and opened a couple of windows. Both our electric and water bill have decreased in February but an extra week without heating and air goes a long way. Matt has also been able to stop a leak in the hall bathroom and did some minor repairs on the dryer. We are very hopeful that these small changes will bring both bills down to a lower level.
A huge surprise or change that we expect in March is a reduction of our cable television bill. With Septrum our bill that we just received jumped $35. We have made no changes to our service. Matt called and it was a “your promotional period has ended” increase. We are currently researching options and will honestly give Septrum one last chance to match our current price. If not then we are cancelling our landline and switching to HULU live. This change will save us around $40 a month. I know that the first two months saving will be used to purchase one additional box for our televisions.
The thing I am most excited about is my plan to purchase mulch and all plants for the Square Foot Garden this year with earning from Swagbucks. In the past, I have used the grocery budget for these purchases but this way the pressure is off to “harvest ” enough to cover the expenses!