June in Review

June is definitely my favorite month of the year! The weather is hot and we get to spend lots of time in the pool because Summer break begins. Things are slowly starting to return to more normal. The pool is open, we are attending church and baseball is happening. We also look at our budget and make any adjustments or changes that are needed. This year that was a very positive thing as we were able to move money from braces to other areas. After the kids summer camp was cancelled and I was able to score free for now airline tickets for our Disney trips, we decided to spend a week in July at the beach! After some research, we were even able to get a condo on the oceanfront for a week for $1900! I am so looking forward to some beach time!

Gardening- continues to be a challenge this month. The weather is simply not cooperating. We have been able to harvest lots of snap peas, one cucumber , a batch of green beans, strawberries, squash and zucchini. Currently we are eating just about everything we are harvesting. Squash bugs have attacked and we have lost several plants. I am hopefully for the tomatoes to start this week, I have picked two but both were rotten. Cucumbers are blooming so we continue to hope! The kids are most excited because they spotted 2 growing watermelons when mowing yesterday.

Goal #1 Grocery Budget of $550- The total for the month is $640.36. After looking back, I realized that I have not been able to maintain this budget at all this year. I have been over every single month. My grocery average is $722 a month YIKES! I am not going to increase the budget yet but this will be something I closely monitor for the rest of the year. We have been purchasing alot of meat and prior to COVID, we had decreased our stockpile significantly. Currently I am comfortable with our stockpile and don’t have any gapping holes. I am thinking that our expenses may decrease in this area and if so that will help me to determine exactly where we need to be in this area. For July, I do not plan to actually spend any time in the grocery stores except to grab things we need for our beach trip. I most likely will do a huge trip the last week of July in preparation for returning to school in August.

Goal #2 – Record and keep up with gas/ auto purchase- $186.13 the total for the month. This is the lowest spending on gas in a very very very long time. The price of gas is starting to rise and we are planning to travel this month. One of the benefits of having a significant decrease in our gas budget during the three of the last 6 months is that we are able to pay off debit. We are currently using a credit card for all gas purchases. Any additional money have been used to reduce the balance of this card. I am projecting that by the end of the year we should have this card completely paid off and will be transferring any excess after groceries to reduce another card. In July, I need to put tags on the van. I expect we should still be under $500 budget for the month of July.

Goal #3-Use a cash envelope system for everything possible. Success! This may become a little more difficulty in the next 2-4 months as the Untied States is currently experiencing a cash shortage. I do have several options so we may do a hybrid system. No spend days are 5 this month YAY! My goal for July is 5 days as well.

Goal #4- Blogging- 15 post per month. This is post number 15 for the month! I am becoming more consistent!

Goal # 5- Fitness- Goal is to walk 3 times a week. I managed to walk 7 days this month! It is not the goal but a significant improvement over last month!

Goal #6 – Bible study- Goal- 3x a week –Not there at all!

Goal #7-Attempt at least 52 new recipes this year.-  We have tried 40 new recipes this year! I am planning to finish out the remaining 12 over the summer but time will tell.

Earnings_ $30. This is probably the lowest earning month in a long long time. The economy is not great and I suspect this may be the beginning of the end for swagbucks. Matt did not even earn a single card this month so at least we should double this amount next month! But free money is free money!

July appears to be a busy but fun month. We have swim team, baseball, our beach trip and baseball camp! Because of COVID-19. I will be returning to work the second week of August so July is really our last summer I plan to enjoy!

May In Review

May was another different sort of month. It definitely did not fly by but was not as slow as March or April. I am still working from home. I was able to get an additional 17 hours from my Guam job so that was extremely nice. We decided to go ahead and tackle one more home improvement in the month of May, our sink room. I am glad it is finished and LOVE the results.

The square foot garden is actually growing! I was getting really discouraged in the middle of the month. The weather was just not cooperating at all but finally in the last two weeks we are starting to harvest some small items and even the cucumbers that I had written off have returned to life. We did have to spray with bug killer today so hopefully we will not lose alot to these pesky insects. We continue to get a ton of lettuce and a finally a batch of snap peas that made it inside instead of Kendall eating them all!

Goal #1 Grocery Budget of $550- I was doing so well but decided to purchase 4 gallons of strawberries yesterday and a trip to Aldi put us at $607.45 for the month. I keep telling myself that spending will decrease soon. We have almost 2 completely full freezers! I have added an additional 3 meals this week along with some simple breakfast ideas! I think at this point, unless we are set with meat. Going to make a realistic grocery budget for next month…. stay under $550!

Goal #2 – Record and keep up with gas/ auto purchase- $284.40 is the total for the month which does include taxes and tags on the CRV. The CRV was filled 3 times and the van twice. I do actually expect our driving to go up this month as I finish up work and start to enjoy the summer. We also will be returning to church and going to the pool. The goal for June keep the gas budget down to $300 with the extra going to pay off debit!

Goal #3-Use a cash envelope system for everything possible. Success! No spend days are 3 this month YIKES! I knew going in to May that spending would increase. But still the goal for June is to have at least 5 no spending days. I am going to change a couple of rules. First, we save change all year to spend at the pool so this does not count as spending! Second an purchases for clothing, hair or piano that come out of a budget envelope does not count as spending as these are “spent” each payday when it is placed in the envelope. I am also planning to switch at least half of my grocery spending to cash as well.

Goal #4- Blogging- 15 post per month. This is post number 17 for the month! At least this is staying on track!

Goal # 5- Fitness- Goal is to walk 3 times a week. yea I did walk 3 times this month but only 3 times. This is something that I definitely need to improve on.

Goal #6 – Bible study- Goal- 3x a week –Not there at all!

Goal #7-Attempt at least 52 new recipes this year.-  Still way ahead of this one! I have blogged on 32 new recipes but I have 3 more to post this week!

Earnings_ $75 in gift cards. Slow and steady.

June is an exciting time of the year! I finish up work, the kids finish up school and we enjoy the summer. I am extremely grateful that we have the pool open this year. I am hopeful that by the end of the summer, our lives will return to normal with a crazy busy schedule! Our first Disney trip is planned for the end of August, my goals for June and July are to save save and find more ways to save!!!

April in Review

April was not as long as March. I think we are finally settling down into a manageable routine. Matt worked from home the first two weeks of April but has returned to working at his office full time. I am working full-time at home. I am planning to continue through the month of May. I may need to return to work during our school work days in June but I will wait to see what is decided between now and then. School building have officially been closed for the year in both North Carolina and Guam. Lily will not have to take final exams but otherwise she is still completing her charter school. I am getting some limited work in Guam, a lot of IEP for the next couple of weeks. I am hopefully to complete 10 hours of work for April and another 10 for May before the school year ends. We did receive our government stimulus money this month. It was used to pay for the floor in the kitchen and dinning room which I originally budget with Guam money. The rest was applied to debit but every little bit helps!

The garden has taken up a considerable amount of time this month. We are very hopeful that it will produce some inexpensive veggies most of the summer. I have planted the majority of item from seeds this year. Seeds were purchased at twenty-five cent or less a pack. I made a trip to a local nursey and purchased both pepper and tomato plants spending $11 total. So far we are harvesting “volunteer lettuce” each week. I still have some cherry tomatoes to transfer and I am planning to plant green beans every two weeks so that we can get a more continual and plentiful harvest. I still need to purchase and plant sweet potatoes but I am going to assume that will be the last of expenses this year. We have already built an additional strawberry box so I will have to end up buying dirt to fill it this fall.

Goal #1 Grocery Budget of $550- We have exceed it again this month but $190 worth of chicken breast makes this a no brainer. But on the bright side it is still less than we spent last month! Currently we have spent $922 which also includes a stock up on Diet cokes. I think we should also note that April is a 5 week month which threw me off as well. I am hearing lots of reports of increase pricing for groceries and a possible meat shortage as well. I am planning to stock up on beef and maybe pork next week. I expect the grocery budget for May may be high as well for that reason. The good news is that we should be able to dramatically cut our grocery spending during the summer because of stocking up now. I will continue to watch prices and re-stock items as needed. I actually have started a price list on my phone to begin checking items as I am out picking up other things during the next several weeks.

Goal #2 – Record and keep up with gas/ auto purchase- We spent $$450 this month in gas! This does include the windshield purchase. We decided to wait until May for the taxes and tags on the car.

Goal #3-Use a cash envelope system for everything possible. Success! No spend days are 9 this month. This is better than March but still not my goal of 15. I am not sure what the goal will be for May. Spending will increase as we travel to the pool and as restrictions are lifted. May 10 days of no spending….. or should I just count the days?

Goal #4- Blogging- 15 post per month. This is post number 18 for the month! Which is an increase of 1 for the month! Go Covid-19!

Goal # 5- Fitness- Goal is to walk 3 times a week. I have met this goal this month. The kids are really good at reminding us that we all need the fresh air and exercise. We actually walked 12 days this month! I should be able to continue this especially if the pool opens in May.

Goal #6 – Bible study- Goal- 3x a week – Getting better but still not achieved.

Goal #7-Attempt at least 52 new recipes this year.-  For the first time ever we are ahead of a goal. We have tried 22 new recipes so far this year. We need to try 30 more. I am actually thinking we can meet and exceed this goal. The one down side is that only a handful will be used again.

Earnings_ $75 in gift cards. I did complete one large payout on Swagbucks. Matt completed another survey outside of Swagbucks and should receive another $50 gift card in a few days for Amazon. I will be surprised if this amount increase in May as people are overwhelming the system.

Except for the grocery budget, we did extremely well in the month of April. We are blessed and continue to thank God for his provisions!

March in Review

Lily made the state that March was the longest three years of her life. I am going to agree with her. I am hopefully that things are going to settle down into a sort of quiet different way of life. I know that I will be working from home the entire month of April except for possibly one day this week. Matt will also be working from home for most of the month as well. I am going to guess that my salary from Guam will not occur this month as well. I also want to try and decrease our overall spending. Without leaving home on most days we should be able to hit at least 15 No spend days for the month of April.

Goal #1 Grocery Budget of $550- The actual number is $1025! This did include two rather large trips to Costco and some extra purchases in preparation of staying at home. In more positive news, I was able to find and save $250 for a large meat purchase in the near or not so near future. I will also be using a little as possible from this budget to purchase some additional plants for the garden.

Goal #2 – Record and keep up with gas/ auto purchase- We spent $219 As you can probably guess this is the budget item that I was able to save money for the meat purchase with. Unfortunately in the month of April I will not be able to accomplish this. The large crack in the windshield of the van has expanded and must be replaced. The repair is scheduled for April 9th. We will also need to renew the tags on the car which includes paying for an inspection and taxes. I am hopeful that we can keep all of these expenses under $500 for the month.

Goal #3-Use a cash envelope system for everything possible. Success! I am also going to include the number of no spend days under this goal. For the month of March that is 4. Yikes! But I will say that some of this spending was in anticipation of not spending in April.

Goal #4- Blogging- 15 post per month. This is post number 17 for the month! I am going to plan for the same in April! I will definitely say that the Recipe Challenge is going a long way in making this happen.

Goal # 5- Fitness- Goal is to walk 3 times a week. I can say that for the last week I met this goal. I actually think I have close to 7 days of exercise this month! This is a huge improvement from January and February but is also directly related to being at home and the weather.

Goal #6 – Bible study- Goal- 3x a week – A fail. Definitely need to up my game in this area. 

Goal #7-Attempt at least 52 new recipes this year.-  We actually have tried 7 new recipes this month. I will plan to post on the one tonight either tomorrow or Thursday! I am actually thinking that todays may be a repeat.

Earnings_ $145 in gift cards including a $50 that Matt was able to get outside of Swagbucks. I will be honest and say this will be very low in April. We can already tell a difference in Swagbucks in the last week. My goal for this month is to earn $50 in Lowes cards to purchase plants.

We actually did really well in March when you look solo on the numbers. I am hopefully to keep it going in April. We should not have a lot of extra activities so we should be able to focus on yard and garden work with some catching up on rest as well.

February In Review

I feel like I have been sick the entire month of February. The first week was cold/cough, the second week was a sinus infection, third week was the stomach bug that I fortunately only had a mild version when compared to the kids. This week I am starting with a cold/cough again and Matt has pink eye.  I did make the decision earlier in the month to begin on Elderberry gummies. This week I have added in Vitamin C and D. I am so tired of being sick and to get this stuff kicked to the curb.   

Goal #1 Grocery Budget of $550- This was a close one at $584 for the month. This is way over budget but I really tired to buy things we needed. I am hopefully to significantly reduce the amount for March and work on a pantry/ freezer clean out in order to prepare for the purchase of a cow. 

Goal #2 – Record and keep up with gas/ auto purchase- We spent $293 Which included the unexpected trip to West Virginia. I am excited because the extra in the budget went straight to reducing our credit card debit!  I don’t anticipate spending more in March! These are huge gains for use! 

Goal #3-Use a cash envelope system for everything possible. Success! It has been nice having money set aside for all the little expenses like hair and nails. I was even able to get a manicure and pedicure during February.  

Goal #4- Blogging- 15 post per month. 0nly 9 post  for the month. This is mainly due to how sick and horrible I have been feeling in the month of February. 

Goal # 5- Fitness- Goal is to walk 3 times a week. This was a horrible fail but my watch did tell me that I walked over 50 miles in February which is an average of 1.67 miles a day. 

Goal #6 – Bible study- Goal- 3x a week – A fail. Definitely need to up my game in this area. 

Goal #7-Attempt at least 52 new recipes this year.-  I tried three new recipes in the month of February but none were a roaring success or even good enough for a repeat.

Earnings_ $60 in gift cards and $15ECB from a survey.

In March, Lily has her play and practice for the play every day until then. All three kids have a piano recital and Zach’s baseball schedule should begin.  I am also going to increase my hours at my second job in Guam until I can get caught up with all the paperwork. My goal is to spend an additional two hours a night on paperwork and other activities until I get things caught up and under control.  Wish us luck!

January In Review

I don’t ever remember the month of January feeling so long….I honestly think someone stuck an extra six weeks in it. The good news is that it is over and we actually stay the course fairly well for the month. We were able to stick to our budget and made some really fun plans for this year. I plan to share those soon as well. As you can tell I have lots of plans!

Goal #1 Grocery Budget of $550- This was a close one at $552.98 for the month. I am going to call this one a success. I want to try and keep things on a even level more this year instead of huge month and really low months. We are headed to Costco for our monthly trip today and we also need to grab a couple more things for our Super Bowl party.

Goal #2 – Record and keep up with gas/ auto purchase- We spent $455 on auto related things including gas, oil change and wiper blades.

Goal #3-Use a cash envelope system for everything possible. Success!

Goal #4- Blogging- 15 post per month. 13 for the month. I do have another recipe to report on but just did not get it posted. This post should have also been in January so I am very close to success.

Goal # 5- Fitness- Goal is to walk 3 times a week. I managed to walk once a week except for the week I was sick. It is a start.

Goal #6 – Bible study- Goal- 3x a week – A fail

Goal #7-Attempt at least 52 new recipes this year.- This has been successful with keeping up with it so far. But the result are not so successful.
Tator Tot Casserole and Taco Tator Tots and Chicken Burrito Soup
I did try another breakfast casserole and will get a post up about it soon.

Year in Review

I am actually really impressed with myself for writing this on New Year’s Eve. This is almost a week sooner than 2018. 2019 was a much less stressful year in all the areas of my life. As I was looking back on the goals I established it does not look like I made progress but overall I feel really positive as we head into the next year.

Financial- Our debit is not below 20,000 however both Matt and I have significantly increased our income this year. In fact, Matt received a raise today that we were not expecting until mid January. I plan to share our budget tomorrow along with the goals of the year. I feel comfortable financially which is the first time I have said this in our entire marriage. In fact it may be the first time in my entire lifetime.
We spent an average of $506.76 a month in groceries this year. This is over an $100 a month deduction from last year but $75 more a month than what I wanted to budget. The kids are all growing and eating real portions now. The budget for 2020 is $550 a month which includes the purchase of more meat as we don’t have any hamburger meat or steaks.
Gas is a huge expense for us. We currently are averaging $ 465 a month but this is only over the 7 months that I managed to keep track. The good news is that we only spent $284.49 in December.

Blogging- I have been averaging 10 post a month. I was able to hit the goal of 15 in the month of March and came close in June with 14. This month, this is post number 12.

Weight/ health- This is huge dud. I injured my knee in August. I stopped everything except working. This week I have managed to walk outside 2 days so I am going to establish the goal of 3 days a week for this year.

Bible study- As a family, we were successful in reading Luke during the month of December. I need to find an individual devotional book and start a good habit for the next year.

November in Review

Grocery budget Total spent $1187.86 . Yes, you read that correctly. This is most likely the highest amount spend on groceries that does not involve a purchase of a cow EVER. I do want to point out a couple of factors. We have had 5 weekends in November. I did not go to Costco at all during the months of September and October which ended up with two trips this month. Otherwise, I can say that I have my stock pile replenished and plan to limit spending in December to needs only.
Gas– I was successful with keeping track of our gas spending during the month of November. Total expense is $471.71. In other successful news, I set the budget at $500 so we at least stayed below that amount.
Kid/Summer expenses: Lily’s play was the first week of November, I spent around $150 on tickets for all of us.
Earned $100 – This is all in the form of Domino’s gift cards. This is actually one of the higher amounts of earning strictly from Swagbucks this year.
Personal
Blogging-10 for the month. This is probably an average for the year so that is great for me.
Exercise– none no excuse, none.

Financially- We are starting to reach steady ground. Matt and I both are working a full time job and a part time job. We did not add any debit this month and I have purchased the majority of Christmas presents. All of our bill are paid and I spent an enormous amount on groceries. I am very pleased with this month and hope to continue on the positive side. I will share our budget next month. I am still making a couple of changes and tweets to it.

October in Review

One of the reason that I continue to block is the ability to go back and see what previous years and months have looked like. It appears that October tends to be a busy month for us! This October was no different. The good news is that I have been able to pick up some extra income. It will be a small amount but I am hoping just the right amount to help us tackle our debit and stop it from growing. I am going to continue to work on the budget and plan to share the new budget starting in January. Our biggest challenge right now is a leaky in the shower. We have replaced and repaired several items but have not had any luck with actually stopping the leak.

Grocery budget Total spent $207.54 . I am super excited for this amount. We have been making small trips to the grocery store and attempting to use what we have in the freezer this month. I do anticipate that November will be much more expense with $600 being realistic at this point.
Gas– We have taken over the payments and driving of Amanda’s Honda CVR. This change has occurred for the last week. The hope is that by me driving it to work, we can reduce the overall gas budget. I have the current gas budget set at $500 but hope to see a reduction in our gas spending which will allow us to pay off more debit. My goal for November is to keep a record of the money spent
Kid/Summer expenses: We have attended at least 3 different ball games a week during the month of October. I am very proud to say that we have not spent more than $10 a week. We have finished the baseball season and the last football game is schedule for Saturday. Lily’s play is next weekend so we should not have any kid related expenses in November.
Earned $75- This is a significant decrease from last year but has been about the same for this year.
Personal-
Blogging-8 for the month. I will admit that this has been a struggle but my goal is to make this goal at least for November and December as we have no travelling planned.
Exercise- My knee is finally at the point that I feel comfortable starting to walk on the treadmill again!

September in Review

Financial- We are doing ok. Matt has accepted a new position which should come with an significant increase in income! We have spent several hours talking about priorities and goals. I will hope to have a finalized new budget by the end of October. I do think that this may be a temporary budget for November and December with a more established budget starting in January. We did manage to have to have 7 no spend day in September which is the same as July.

Grocery Spending-$550.31 This does include our $120 Costco membership. We needed things like toilet paper, laundry detergent, fabric softener and dishwasher tabs along with food for lunches!

Earned $155- We continue to use Swagbucks on a regular basis but this amount continues to decrease and becomes increasingly hard to reach even $1 a day. I did receive a $100 gift card for applying for a personal loan. All the money this money has been used to work on our bathroom floor. I will have details and pictures once it is fixed.

Personal-
Blogging- post number 8 for the month. Returning to work full-time has been rough along with all the kids activities.

Exercise- 0. After my knee injury, I am finally walking without pain and will try to start adding in some steady exercise.

Looking ahead to October- Maintain spending and adjust the budget according to the income level we are at. Continue to control spending and debit. I know that this month will truly be a month of adjustments so I just want to maintain even ground and make a plan that works for our family.