Category Archives: Budgeting

Saving on Saturday

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We have been spending quite a bit of time working on getting the yard and garden ready for the Spring and Summer.

This old jeep wheel makes a perfect hose holder!

When we finally got the deck replaced last year the construction cause us to lose our compost box as well as one of the side flower beds.  Since the weather has turned a bit nice, I have been working to get these spaces back to use this year for either flowers or vegetables.

All the wood has been reclaimed from the “waste of the deck” I have been adding shredded paper in order to make a weed barrier.  We also “salvaged” some lumber screws in order to connect the pieces to make it more stable.  This actually has taken several weeks to get together. Finally,

this weekend, I was able to purchase dirt on sale. I am really loving it’s new look. We will be adding cattle panel across the bottom to help give it more of a separation and hopefully keep animals from under the deck.

Next I ended up paying Zach to level the area where the old compost bins sat and He used brick edging that had been removed from our front yard. I am thinking that I will plant either watermelon or Sunflowers in this area.

I think that it is small details like these that always improve the look of our house!

Saving on Saturday- Food Edition

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Food is always a huge expense for us, and I am constantly trying to find ways to save money on this expense. The biggest way to save money on groceries is to not throw away food.  We are fortunate to have chickens that pretty much like anything and what they don’t eat they poop on which can be used for fertilizer to grow more food.   I should also mention that yesterday was Valentine Day which added a bit of “celebrating” to this post.

We typically have a special or meal out for Valentine’s Day, but I did not want to deal with the crowds yesterday. Matt offered to pick up take out, which was a great idea. We have been going to the same local Chinese restaurant for at least 20 years so that was my choice for dinner.  We have discovered that recently, ordering out actually gets you more food than eating in. We ordered a Sesame chicken combo dinner which included rice and a soup, and a large shrimp lo mien, total $21.75.  This actually was enough food to feed 4 people dinner and one lunch!  Matt and I headed out early this morning to attend Braxton’s basketball game, we planned to head to Costco to do a stock up trip as I had over 15 items on my Costco list.  I had purchased gift card for a couple of restaurants last year with my Costco reward certificate, so this was a perfect time to use the remaining $25 one for Bad Daddy’s.  Matt and I ate for $8 including tip after the gift card, and we decided to add a Starbuck’s just for fun. Total cost for “Date Day” not including Costco $25! ($8 was to enter the ballgame).

Now on to more food content, I purchased a rotisserie chicken for $4.99 at Costco.  For dinner today, we chopped up some and made chicken and rice, this will also probably be enough for at least 1 more meal and a couple of lunches so that is enough for 10 people to eat, I also will be making a double batch of chicken enchiladas, one for this week and one to freeze, another 10 meals.  That means we spent approximately 25 cent a meal on meat.  But to make this an even better deal, I currently have my roaster oven going with a huge batch of chicken stock with I will can tomorrow!

We have some mini cinnamon and raisin bagel that we purchased a couple of weeks ago and 5 are left, which are beginning to become stale, I have cut these up and will be using for a French toast casserole for breakfast in the morning!

Finally, I have a couple of ears of corn left in the fridge along with a small portion from a can, this will get used for a new honey corn hamburger casserole this week!

I don’t mind food going to the chickens but I prefer to use what we have!

5 Things Friday

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  1. The weather has remained extremely cold. Today is the first time in a week the temperature has been above 45 degrees.  We are actually expecting even colder weather next week with the temperature to remain below freezing from Sunday night until Thursday. There is also a chance for snow as well.
  2. Zach and Kendall have attended school 4 days in 2024 and if they are able to continue with the schedule they plan. Then they will go 2 out of 5 days next week which will put them at 5 full days in the month of January.
  3. On Wednesday this week, I picked up a foster dog who may become a permanent part of our family. He appears to have some hound dog in him and some pit bull.  We decided to go the foster route just to make sure that he will be a good fit for us. So far, he appears to be very sweet but is having trouble remembering to pee outside.
  4. I am continuing to work on some budget items and plans.  I want to make a significant dent in our overall debt but I also realize that we can’t cut back to a bean and rice budget due to the kids and I want my kids to enjoy their high school years not think about what they can’t do.  Look for a post in the next week or so with some more specific details.
  5. I am staring to look ahead to our junk food Sunday!  I plan to purchase at least the chicken wings we need this weekend along with some bacon and sausage that we are currently out of.   The pantry challenge may be a bit more of a challenge as we look and plan ahead.

5 Things Friday

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  1. Matt and Zach are planning to finish up the gazebo on our brand-new back deck tomorrow. We purchased the gazebo back in July during prime days.   When we started to assemble, we realized that. We were missing a box need to finish the top.  It has taken almost a month to get the new material needed. I am very hopeful that this project will be completed tomorrow.
  2.  One of the things that is suggested is to check to see if you can reduce any of your subscriptions/ regular bills. Our internet service has been with Spectrum for more than 10 years, I am thinking it is closer to 20. Our cost increased by $20 in the month of November. Matt was able to locate, and we should be switching to a different provider in the next week. This should save us approximately $20 a month for the next 24 months. The biggest hurdle is that we will loss access to our main email accounts. I am hoping to spend some time tomorrow while the guys are working outside and starting changing emails to a free account, we should have access to forever!
  3. We are continuing to experience the warmest November that I can remember!   The high today was 79 and the low was 64 which is the average high temperature.  I think we will be back to more average temperatures by the end of next week.
  4.  Monday is Veteran’s Day. In the past this has been the day that I start with Christmas decorating specifically my snow village.  Because of our current travel schedule, I don’t think I am going to put the village up this year. My current plan is to put out my Disney village stuff, one large Disney themed tree and the kitchen sink will hold a rod of Christmas ball ornaments.
  5. I dislike daylight saving time. The time change has been difficult for me this year!

Tuesday Thoughts

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I have mentioned several times that I have been extremely busy and overwhelmed this summer. One of things that I did not have time to do was review and revise the budget.  I took some time on Friday and Saturday to do just that.

Earlier in the month, I switched our cell phone plan to get unlimited data, after several months of overage. My thought was that it would actually increase my overall bill. However, I discovered that it does qualify for the teacher discount which meant just about the same cost.   After a little bit of research, I signed up for paperless billing and automatic billing. This saved me $60. I also decided to remove my ipad from the overall service because I simply am not using it at all.  Overall, these changes should reduce my bill by around $100 a month!

I have decided to not renew my AAA membership. This will save us $135 a year, Our insurance has towing coverage which is what I used it for. Over the summer, we ended up using the towing 3 times. 2 out of 3 times, the truck did not arrive for 3 plus hours.

Overall, our goals are the same. Reduce credit card debit and stay on budget.  My strategy is a bit different. I am going to slowly accumulate cash at home to cover unexpected expenses.  By only using cash or immediately needing to pay off a card when used this should keep things in check.   I will be keeping my emergency fund in cash as well.

5 Things Friday

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  1. The past two weeks have been stressful and exhausting.  Exhausting both mentally and physically exhausting.  I am looking forward to a slower pace next week.
  2. We have been working on doing some remodeling in preparation for new flooring to be installed this week. The install is still not complete!   I will be so happy and pleased once this process has finished but currently it is one of my main stressors.
  3.  We have painted the hall, hall bathroom, kitchen, dining room, and laundry room.   The doors are the last on the list to be painted. Hopefully that occurs tomorrow.
  4.  Today we had the septic tank pumped. This should help with drying up our yard!
  5.  We have been eating out ALOT over these last two week just to survive. I am hopeful that staring today, we can get back on track for eating and I can get back to sticking to a budget!

Big Batch Cooking- Hamburger

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We were able to pick up the whole cow that I had ordered on Friday evening. This was 350 pounds of meat at $8.00 a pound.  It filled our entire chest freezer!  The plan was to spend Saturday, processing as much of this meat as possible.

I am proud and grateful to say that we have accomplished this task, with the following results:
21# of canned shelf stable ground beef. These are in pint jars so approximately 1# per jar.
4 meals of Sloppy Joes canned in addition to our lunch for Saturday as well.
30 Salisbury steaks cooked and vacuum sealed in the freezer.
30 Cheddar Bacon Hamburger patties
38 Regular plain Hamburger patties!

For a total of 123 meal proteins ready for use!

Matt even started the day by cooking a big batch of French toast that we were able to freeze left-overs for future breakfast!

I am exhausted but happy with the results!

Saving on Saturday

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This weekend we are focusing on saving by using what we have!

One of the projects that I wanted to complete prior to the summer is to empty and clean our large chest freezer that is in the building. This freezer is probably 25-30 years old and was purchased used for $75.  It needs to be de-iced and given a break.  Matt and I have emptied it out except for ice that we need for our upcoming trip. In the process, I needed to do with the two gallon size bags of frozen tomatoes that I have.  I decided to toss them in the crockpot along with a couple of other items and make some more pasta sauce. I typically freeze the sauce but decided to try water bath canning this time.  We ended up with four quarts after dinner so we will try one and see how it taste. I am hoping to be able to can my sauce this year in order to be less dependent on the freezer in the future. It is much easier to store and transport jars than frozen foods.

After taking out my electric canner, I thought I should go ahead and get some beans canned for future use. I ended up running 4 loads of 8 quarts each of beans. This did allow me to use up all the empty pint jars along with all my canning lids that are not on new jars. I had to place an order for more lids.  I also cleaned and organized the canning closet. I am very happy with the contents and have big plans for the summer.

For breakfast this morning, I made French toast using up the last of the sour dough bread that I made this summer along with the remaining heavy whipping cream.   I had about half of the egg mixture left so instead of throwing away, I added hash browns and bacon. It was a hit at lunch with little work and no waste.

For dinner, I made nachos with taco rice that is left-over. The best compliment was from Lily “This is better than I expected.”

I ended up spending a lot of time this afternoon, transplanting tomatoes. More on this tomorrow!

Saving on Saturday

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  1. This week both Matt and I realized that we are in need of new shoes. Both of us have tennis shoes that did not have any trend on the bottom. We decided to check out Belk’s last night as well had some time without any kids. We did hit the jack pot!  Stechers were buy one get one 50% off. With that discount, we purchased a pair of tennis shoes for $63.50 each.   Matt also found himself a pair of dress shoes!
  2. Part of using what is in pantry is not allowing things to go to waste, I am very proud of myself for this!  I used two boxes of Chex cereal to make “muddy buddies” and a ranch Chex mix.   I will not admit how long those boxes have been in my pantry. I also noticed that the Hawaiin rolls had not been openned that I purchased several weeks ago.  Matt suggested that we make a smash burger with them.  I used a pound of ground beef and fed five of us with that one pound!  The burgers were delicious!
  3. I did end up at the grocery store today to purchase some fruits and veggies that we have been completely out of for a couple of weeks.
  4. I am continuing to shred up junk mail and unusable paper to make the grounding and bedding for the chicken coop!  So far it is a win win!
  5. We have spent time cleaning and organizing and cooking ahead again this weekend so I will call it a success!
  6. Gardening update to come tomorrow!

Tuesday Thoughts

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  1. I am tired of being sick. I have some form of sickness since Christmas Day. That is 16 straight days of not feeling 10%.  I do feel better but when it hits I am just miserable. Because of the weather delay tomorrow morning (see below) I am debating taking nyquil tonight to try and knock it out!
  2. I had my first remote learning day in two years.  Zach and Kendall were both out of school. Today’s weather has been horrible rain and wind including thunderstorms.  I looked at right after lunch to thisMy green stalk was full of dirt and stands about 6 feet tall with the platform.  I am hoping that nothing is broken.
  3. On of the things that I am trying to accomplish this week is cleaning up my home email. I am un-subscribing to any email that is possible. Unfortunately, a lot of spam my firewall prevents me from reaching. But I am hopeful to reduce the massive amounts of junk email I receive. This will also save me money as currently I am working to not spend any extra for the months of January and February along with the pantry challenge. IF I don’t know about a sale I can not buy what is on sale.
  4. Our washer was repaired yesterday which means I can now finish up the laundry, from the camper. I wanted to get everything clean so that in March all I have to do is load in food and clothing.
  5. I was able to redo our monthly budget. This year’s focus is paying down debit. I want to start actively paying more than I am spending in both groceries and gas. This will take some discipline, but I am ready to conquer it!