Category Archives: Budgeting

5 Things Friday “How I Spent my Day”

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  1. We have been under a extreme heat warning all week. This means that the heat index is at least 101*  The only way that I am able to keep up with the garden is by waking up super early aka 6:30am and spending at least an hour in the garden. This morning I ended up around an hour and half. I was able to get a second planting of crops done. Pumpkins in the bed in front of the office, cucumbers to replace the ones that did not survive and cantaloupe in place of the bush green beans.  I also finished the chore of wedding all the beds, collecting a 5 gallon bucket for the chickens.  I dead headed our white rose bush, collected the small harvest and heavily watered the beds.
  2. 2 loads of towels were washed, dried, folded and put away.  With everyone enjoying the pool and working, it is not uncommon for most of use to take 2 showers a day.
  3. I have got the third load in the dishwasher, I am working on getting rid of any food that has gone bad. I also packed up everything in lunch containers, made desert and have started working on sour dough bread for the weekend. I have no doubt this third load will be ran tonight.
  4.  In my effort to use the food we have I ended up chopping up 4 items for a Big Mac Salad for dinner, lettuce, red onion, cucumbers and tomatoes.  I found a recipe for Big Mac sauce and then cooked a pound of ground beef in steak seasoning to use.
  5. I was able to pressure can 5 quarts of chicken broth that I made from the chicken thighs that were processed yesterday.

No wonder I am tired~

Saving on Saturday

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This week I have been focused on doing the small things that add up to make a huge savings overall.

Let’s start with the yard improvements/maintenance. Mulch is something that needs to be replaced and replenished at least very couple of years. That becomes expensive especially if you need to replace most of it at the same time. This year we ended up needing 22 bags.  I know that usually in the spring the big box stores run a special for bags between $2 and $3 at bag. This year it was $2.50 a bag which is a savings of $1.28 per bag or $28.16.  Because of the work that we have been doing and trying to add different growing areas I also ended up purchasing 18 bags. This was another savings of $23. That adds up to at least $50 in savings. That is besides the saving that I talked about yesterday when buying plants only on clearance or from Facebook marketplace.  I would say that in addition to the money we have saved by starting all the vegetables from seeds would put us around $1000 which is over a months’ worth of groceries for us! This is before we get any food to eat!  Another way we save money outside is by capturing and using rainwater for all the watering outside.

Food saving is another big area for us.  I did a lot of cooking this week. I mentioned yesterday about canning. Another area that saves us money is menu planning.  A third way we save money is by buying our meat in bulk. We have purchased several cows in the past. Last year as we ran out of steaks and were low on hamburger, we found and purchased a whole cow.  We have been enjoying the steaks and some hamburger from the new cow but today we ended up using the last packs of meat from the previous cow purchased about 4 or 5 years ago.  I don’t regret at all purchasing the whole cow last year because meat prices have risen significantly in the past year and will continue to rise. I know that we saved money by purchasing and storing meat in bulk.  A much bigger and sometimes hard way that we save money is by not eating out. This has been hard at times but a cheap meal out for us is around $70, fast food using coupons and drinks at home is usually around $40 and a full regular meal is at least $100. We usually eat out on Sundays for a full meal and at least one other time during the week.  We saved at least $50 this week by eating only at home.

Our money saving goal for the next month is to try and save $1000 to use on our Disney trip.  This will be a stretch but we are focused and by not eating out we have making huge strives.

5 Things Friday AKA What I did for Spring Break.

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1.We, Lily and I planned a short but packed Disney trip for the end of May, approximately 2 weeks ago.  It is something I am convinced we all need and will enjoy. So, in anticipation of the trip, I am going to save as much money as possible between then and now.  I would love to have $1000 but that is going to be a stretch.  The catch to the saving is that it has to come from extra money, not money that I am budgeting. I have worked out the budget for May already, so this is truly going to be a challenge. One caveat is that money left over from the grocery budget can be counted as savings. In addition, I am also going to say no Amazon buying unless absolutely needed.  I will try and deduct this amount from any savings we get.

2. This is week has been both the kids and I week of Spring Break. I have really really tried to get alot of things caught up and prepared ahead for the next month as well. Which hopefully will help with the goal above. Braxton has been with us for at least half of four out of 5 days this week. He is actually enjoying screen free time!

3. One of the areas I have focused on this week is outside both for gardening and landscaping. I have spent $300ish on additional plants, soil and mulch. This includes paying Zach for lots of hot work applying mulch and helping getting the yard looking it’s best.  I have been able to purchase 2 hydrangeas for $14.00 each on clearance, along with several other “clearance” plants that have helped to completely fill by Greenstalk vertical planters. I found angel trumpet trees on Facebook marketplace. Zach helped me repurpose by painting several older planters with a fresh coat of paint which I think turned out great!

I will give a better garden update on Sunday, but we have not lost any plants from transplanting, and we have a watermelon growing!  I am so pleased. Several hours and bags of dirt went to finishing up the planting space. My goal is to finish all the Spring planting today!  I really only have one area to plant now that the dirt is filled.

4.. The other area that I have worked on this week is cleaning and organizing parts of the house. One was the living room, where we found a 5-gallon bucket of water sealant. Zach used this outside as well. I also moved all the plants outside for the fresh air and sunshine.  The living room is so open now it is amazing!  I also spent time filling and organizing the canning closet. I added 28 jars of beef stock and 8 cans of white beans.

5. I also planned to work on getting our food together for the next 4 to 8 weeks (until Summer break). I actually made multiple trips to Costco and Food lion. I also attempted to use up items in our freezers.  I am proud to say other than 1 lunch at McDonald’s for $10.69 We have eaten at home all week. This is huge! I have made multiple batches of sour dough and frozen some.

Overall this was a great productive week!

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!