August in Review

Financial- We are doing ok. Spending at the beach is always expected and fun. This year with school starting we have had a ton of extra expenses including school fees, baseball sign up, cheer uniform and Lexington Youth Theater sign up fees. I have been anticipating starting a second job again to increase our income but this has not materialized yet either. I am waiting and praying for God’s will and provision. We did manage to have 4 no spend days in August or one per week. This is a decrease from July. I am going to set a goal of 15 for September.

Grocery Spending-$425.53. This is actually less than last year and more than my previous two months. I am going back to a cash only or in this case (earned gift card only) system. One of the big purchases this month was 25 pounds of chicken breast. I discovered a sale at Food Lion and was able to stock up. We currently have approximately 80 dinner meals in our freezers. Zach’s birthday party was also included in this months expenses. My goal for September is to limit spending as much as possible.

Earned $105- 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 cash in Ibbotta for $20 and a couple of Shopkicks $2 cards.

Personal-
Blogging- post number 10 for the month. I decided to not post as much from the beach as I was enjoying some much needed down time.

Exercise- 6 days this month. I have managed to sprain my knee and have been pretty much only able to walk short distances for the past 2 weeks. I am pretty sure it will be at least another 2 weeks before I can try to get into a regular exercise routine.

Looking ahead to September- Decrease spending, increase income. Enjoy a month full of activities!

July in Review

What a difference a year makes. This is one of the reason, I continue to blog after so many years is the ability to read what things were happening in the past. Last year at this time, Matt was starting a new job and I was working out my notice at the hospital. I had intended to begin working 2 contract jobs in August. Fortunately, Davie County Schools offered me a position and this year I have enjoyed a month of spending time with the kids! I also have realized that I have been free styling my month in review for the last several months so this month, I am going back.

Financial-I took a $10,000 a year pay cut with my new job, however I do not have any regrets! I will be hopefully starting a second job in the afternoons which will make up the difference. We have survived this past year but a boost of income will definitely make my life easier. Something new I am tracking is the number of days a month that we don’t spend any money. In June, I had 2 days and this month I had 7! I am going to set the goal at 10 for next month and 15 on a regular basis when school starts.

Grocery Spending-$418.17 This is actually less than last year and more than my previous two months. I am pleased with this spending as I have focused on getting food prepared ahead for the coming school year. I currently have 50 meals that just need to go in crock pot or oven and plan on another 10 to prepare the week after we get home from the beach! I do think that my grocery spending will decrease when school starts as we will be only purchasing items that we need.

Gas budget- $280- Spent $291. I am going to increase the budget to $300 a month starting in August.  We purchased a small car to use for my home health job so I am hopeful that this will keep our expenses close to $300 each month.

Kid/Summer expenses : Kendall has a one day cheer camp and I was responsible for paying for half of her uniform ($59). August will be expensive with school fees, baseball fee and more cheer expense

Earned $155- This is a HUGE improvement! This is definitely the most money we have earned in a month for this entire year. I honestly think it is because I am trying to make as much as possible with the focus on completing at least one survey a day on Swagbucks.

Personal-
Blogging- post number 10 for the month. This is an improvement of 3 from last year but a decrease in 4 from June.

Exercise- Don’t see any this month. A regular routine will probably improve this area!

Looking ahead to August- We are planning to enjoy our beach trip which means spending but once we get back to a regular schedule and I start the second job, my goal is to stay focused and enjoy my kids!

 

June in Review

I am almost in disbelief that the month of June is finished! I really have enjoyed the first two weeks of my summer vacation but it is going way to fast! In fact, we declared yesterday a chill day and I actually slept for about two hours which made a huge difference in my mood!

The garden is producing at a steady rate. We are on the verge of getting tomatoes and cucumbers! I am hoping to harvest enough tomatoes to make at least 12 batches of spaghetti sauce but will be happy to enjoy several sandwiches a week! The cucumber plants are blooming with several small cucumbers but nothing to great. We have two watermelons that are growing already! Unfortunately, we lost all but 2 of our corn plants. I have decided that corn growing is just not for me! We also lost both of our zucchini plants but were able to harvest several zucchinis first. I currently have enough in the freezer for zucchini something once a month for a year. I did discover zucchini hushpuppies which are a huge hit around here. Matt has been able to harvest enough jalapenos to make a batch for him to snack on. We are getting a steady supply of green peppers! I have only been able to freeze on batch but we are using them in a lot of things! I am trying my hand at drying basil this year in hopes to keep the plants alive and producing until the tomatoes come in. My plan is to plant pumpkins this month but need to check the almanac first!

My increase of free time has included lots of clearance shopping! I have been able to stock our freezer with both chicken and pork this month. I spent a total of $302 this month in groceries which is less than usual but more than I had anticipated. We have started to use items in our freezer and pantry and I have started a “stockpile” list. My goal is to keep spending low but also to maintain and improve the stockpile. I have realized that during the school year it is very hard to shop the sales and so I am hopeful to make huge gains in this area as well. I also am planning to attempt to cook ahead one item a week. For example, last week I made a huge batch of taco meat and froze enough for 8 additional meals. This week the goal is to make 10 pounds of sloppy joe mix.

We ended up spending $311 for gas this month. This is a decrease from previous months and I anticipate this to decrease even more for the month of July.

In the area of finances we are holding our ground right now. I did sit down and figure out my new salary. I also am actively pursuing several additional job opportunities to increase our income. This is always a hard decision and one that requires lots of prayer. Join me in praying that we follow God’s will in our financial life even if it is not easy!

I have been able to exercise at least twice a week this month. I actually increase my walking to two miles this week. This has not translated to the scale but I do notice a difference in the way some of my clothes are fitting which is always a nice thing,

This is post number 14 for the month! I am surprised at how difficult it is to reach 15 post in a month!

We have continued to earn money with Swagbucks this month, we were able to gain $75. I also have enough sitting in my account for another $25 gift card but am waiting so I can get it without a delay. My plan for this first gift card is Lowes to buy filters and plywood.

PLANS: July will be a busy month. Zach has 2 weeks of camp to attend. Lily will be at an International Youth Conference for a week. We will all be involved in our church Vacation Bible School the third week of the month. Followed by our family missions trip to Clarkston Ga. Spending should be minimal as everything but the mission’s trip is prepaid!

Month in Review

May has come to a flying finish. I went in to the month knowing that it would most likely be one of our busiest as a family. May did not disappoint in this for sure. We should be finishing up baseball next week after a 2 week break. Swim team has started with a goal of attending at least three practices a week. We have birthday parties, graduation parties and end of the year activities that all seem to be keeping our calendar full.

 As you can tell from the pictures yesterday, the garden is looking awesome, we have been able to harvest some green peppers, two very small zucchini, basil, dill and of course mint. We have blossoms on the tomato plants and the corn is over knee high. 

With all the scheduled activities for the month, menu planning has been important however we have been making changes to accommodate evening when we have literally an hour or less at home to get not only homework finished but some sort of dinner. We ended up eating out Chinese once and ordered pizza once. It feels like I am going to the grocery store every other day. However, I am starting to realize that the reason for this is that I am only buying what we are out of or what things I find on manager special. I am planning to write a post this weekend about the deals I have been able to find at Food Lion.  I have been able to keep a total of grocery spending. We are currently at $325 including the $75 trip I made on Thursday of this week. I am very pleased with this amount and plan to continue to monitor and reduce the overall spending for the summer months.  

We ended up spending around $400 for gas this month. I am not keeping a running total for this because we have to have gas to work and for most of our everyday activities. After much thought and consideration, this is really not a budget item that I can control.

In the area of finances we are holding our ground right now. I made the decision this week to sell the little red car. I was pleasantly surprised that it only took two day for it to sell. This will probably mean an increase in our gas spending but it did mean a $70 decrease in insurance for the short term. Today is the last paycheck for the school year and it was less than anticipated. I am going to have to sit down this summer and redo our budget once I actually figure out what I can anticipate for my salary next year. The good news is that I have scheduled two deposit, one in June and one in July, that will serve as my paychecks for the summer.

The area that has seen the greatest improvement during the month of May is with my weight loss and exercise. I have walked a total of 8 days with one of those being in the water. I have lost 2# this month.

I was able to increase my number of post for May to 13! I am only two away from goal.

We have continued to earn money with Swagbucks this month, we were able to gain $80. This is again going down but free money is free money.

PLANS:  9 day of work left till Summer! I am going to focus on using our money wisely this month! I want to keep the grocery budget less than $300 again. The cost of gas should also decrease significantly this summer as well due to me not going to work. We are planning to replace the tires on the old van. This money will come from profits of selling the car.  Lots of things to think about and consider during the summer! I plan to update regularly so get ready to enjoy some summer fun and gardening.  Spending should be minimal as we have already paid pool dues, all summer camps and our Wet and Wild membership is also paid.  f

Food Hacks that Work!

Our schedule for this week includes swim team practice on Monday, Wednesday and Thursday and baseball games on Wednesday and Friday.   As you can imagine this means that we are extremely busy. I anticipated this season of busy enough to try a couple of new quick and easy food tricks this week.  I am so excited to report that they worked!

Breakfast is always a big deal at our house. We all enjoy eating breakfast but also like a lot of variety. I saw that Harris Teeter had “egg in a cup” on sale for $1.67 each this week. That gave me an idea and after a little bit of research on the internet, I made my own “breakfast bags” Zach fried up a pound of sausage while I diced green peppers and onions. I placed 1/8 cup of peppers, 1/8 cup of onions and ¼ cup in a snack bag, in the freezer they went.  My plan was to stir a couple of eggs in a cup drop in the bag contents. This week we have decided that you need at least 2 and usually 3 eggs if you chose to add cheese to the mixture.  In the microwave for 1.5 minutes or you can also add the bag to a frying pan and stir. Zach was unable to eat 2 eggs for breakfast so we decided to separate his bag in half and that seems to work well for one egg.  We also have some breakfast burritos in the freezer.  These simple omelets are a huge hit.   HUGE win for quick and cheap breakfast on the run.

Kendall and Zach take their lunches to school every day, at this point in the school year, we are tired and really want something new and fun for lunch.  Both Kendall and Zach love uncrustables and we have been able to purchase on sale several times this school year, however at fifty cent each on sale this is an expensive lunch.  I had heard of several folks making homemade ones and again after some research decided to try it. I was a little worried at first about needing some special way to seal the outside, however after using one of our glasses to make the circle I was pleasantly surprised to learn that by using the glass it sealed the sandwich. Kendall says that these taste better than the store bought ones.  I spent sixty-cent on a loaf of bread for these but otherwise have the peanut butter and grape jelly already in my pantry from sales.   I was able to make 8 sandwiches at the average cost of ten cent or less each!   I am planning to make another batch of these this weekend!   

April in Review

April is in the books. I honestly can say I think it flew by.  The success this month is planting the square foot garden!   We already have lots of small plants and I am very hopeful to start eating out of the garden by the end of May.

We were able to stick to our menu planning for the majority of the month! I have also been really good at eating things before they have to be thrown away.  Unfortunately, I have not been keeping a running record of our grocery spending but estimate we spent around $300. I am back to good record keeping today!

Fell off the wagon with keeping up with gas spending as well.

We are struggling in the area of finances this month as well. I am hopeful for positive news soon on this front.  We increased our overall debt but also covered summer camps for all three kids. I am beginning to notice a pattern and know what needs to be done to change it…. I NEED TO STICK TO WRITING THINGS DOWN!  Some good news is that my check was $100 more than expected. Matt was able to reduce his work cost by $35 a month.  I also have a better budget in place. I NEED TO STICK TO IT!

I have continued with completing either Bible study or reading at least 3 times a week!
I did not use the treadmill this month. May is warmer and the pool will open soon which also gives me better opportunity for walking.

I was only able to post 9 times in the month of April.

We have continued to earn money with Swagbucks this month, we were able to gain $100. Currently we are grabbing gift cards to Dominos which are discounted at 20%. Pizza is good!

PLANS: 6 weeks of work left for me! Bring on the Summer! I am going to focus on using our money wisely this month!  We are also planning of painting Lily’s room which should get us caught up to date on house projects!

March in Review

March was a different kind of month. I have really enjoyed the last week off for my spring break. I realized today that I would for 14 days(3 weeks) and have a long weekend at Easter. This should also work out timing wise so we can plant most of the square foot garden. This past week, I have spent a lot of time cooking and shopping!

We were able to stick to our menu planning for the majority of the month! Yesterday, Saturday the 30th was a total fail as we ate out breakfast and lunch. Dinner was a find your own meal, which meant lots of starch was consumed. I did not stick to the grocery budget in any shape form or fashion, in fact I spent $1100 for groceries this month. Check out this post if you want to see my rationale.

Driving is a way of life for use but I am just trying to get a firm idea of what we are spending each month in order to budget better, $565 is the number for March.

Unfortunately, we did not reduce our overall debt in the month of March.  I did keep track of spending. We ended up with 6 days of NO spending for the month. This appears to be a really low number to me. I would like to track April and hopefully will achieve at least 50% or 15 days of no spending for the month.

I have continued with completing either Bible study or reading at least 3 times a week!
I did not use the treadmill this month. I did have a doctor’s visit this past week and have lost 2 pounds in 3 months but am `5 pounds heavier than I was a year ago.  I am hopefully with the warmer weather and longer days to start walking on a more regular basis. The goal for April will be once a week or a total of 5 times during the month.

This is post number 15 for the month!  After two years, I have finally met this goal. Now to continue with the success!

We have continued to earn money with Swagbucks this month but are at our lowest point of $80 for the month. We have used this entire amount for working on things outside. The good news is that this means we have not spent anything on the square foot garden so we are eating free food at this point.

PLANS: One of the downfalls of my new job is that in both April and May my paycheck will be reduced by $500. I am going to track our spending very closely for now to try and maintain some balance. We will have 2 or more Baseball games a week but this should be less than $10 each week.  I plan to keep grocery shopping to a minimal of less than $100 as well. The countdown to summer is on; 12 weeks till I have an 8 week vacation!

February in Review

February was a great month, I feel like we have actually figured out our busy schedules and I have begun to enjoy some of the extra time I have in the evenings.  Swagbucks was a much better earner this month that I expected. In total we earned $135! We also cashed in and used $4 in Walmart gift cards from Shopkicks.

We did much better sticking to a meal plan for the month. I also have reduced our grocery bill to $175 for the month!

We continue with a huge gas expense and ended up with putting brakes on the red car.

Unfortunately, we did not reduce our overall debt in the month of February but I am planning to write down each dollar spent in March to determine where the extra money is going.

I have continued with completing either Bible study or reading at least 3 times a week!

I did not use the treadmill this month, but I am really surprised at how much walking I actually do each day.

Blogging: I have posted 11  times this month.  This is a small increase from January but does not still meet my goal of 15 a month.

PLANS: I have a week of Spring Break at the end of March. The kids will all still have regular school hours so I am planning to get ahead of lots of cooking, get a pedicure and hair color as well. I will also need to make a large grocery trip.

January in Review

This January has turned into a quite expensive month. I did some reading of old post and realize that I usually have a successful clean out the pantry month and stay way below spending in grocery spending. This was not the case for this January. I did clean out the pantry for all but the last week. After some debate, it was physically less demanding and stressful for me to do a huge grocery shopping trip to Costco in January instead of trying to squeeze it into February.  I also ended buying food for junk food Sunday as well. Total spend in Groceries $800 YIKES!

I was able to keep a running total on our gas usage for the month. We are spending $93 a week to fill all three vehicles, for January that meant $465.  I know that both vans need oil changes in the month of February so I expect this amount to be closer to $600 next month.

Given the numbers above, I am not at all surprised that our overall debt increased by $481. YIKES! One of the other unexpected expenses for the month of January was the purchase of new phones and an apple watch for myself. Feel free to check out the details here 

Personally, I have been able to complete a devotional 3 times a week. This is a huge increase from zero!

I did use the treadmill several time this month. I also realize that I am walking quite a bit for work. I am averaging 2.5 miles just at work. I am going to set a goal for walking at least 3 miles a day for February.

Blogging: I have posted only 9 times this month. No real reason other than I am tired. Guess it is time to start doing instead of thinking.

PLANS: A couple of plans for February include not increasing our overall debit, staying under $200 for groceries and increasing both devotional time and treadmill time!

 

2019- A Look Ahead

We have talked about 2018, now on to what I hope to accomplish in 2019.

I like the idea of choosing a word for the year. I am not sure how to keep this in focus but I am going to work on that. May learn a new verse each month or find something each month to share?   Mainly, I just want to remind myself that I always have a choice as to what I focus on.  My word for 2019 is “JOY”. I am going to choice joy no matter what is happening and I want to find joy in the little things of life.

Financially- The overall goal is to reduce our debt. I would like to reduce our personal debit to less than $20,000 or by $6,000. This is a very lofty goal but any reduction is a significant improvement so I want a goal that seems almost impossible.  One of the biggest changes I want to make this year is the way I spend money. We are now paying our bills essentially a month ahead of time. This means that I actually paid all bills due in January on December 31st. By continuing in this manner, I will be able to move unspent money into another place and keep much better records.  I also plan to use cash method for keeping up with most of the items except for gas. Finally, I want to use our second checking account as a slush fund/sinking fund account. Any extra money such as mileage checks or money earned from apps will go into that account. I can use it for extra such as meals out or other wants as they arise. For example, I eat out with my co-workers on Fridays, this will be where the money comes from. Today, I ordered a late Christmas gift for Matt’s father and the money came out of the account. This will allow me to not overspend in addition to keeping track of what extra we do have to spend.  I am not planning to set a gas budget for the year as there is little to no way to control this when we go over. We simply can’t stop driving. I am going to track our spending for gas to achieve a better understanding of what we are spending.   Grocery budget is $400 a month. This will be a reduction from last year even without including our cow purchase but again we have to have a goal.

Personally-
Blogging- I am going to set the goal at 15 a month. I enjoy writing and I want to spend time doing it more often this year.

Weight- I need to lose at least 30lbs. I like to keep track of days exercised as it again gives me something to improve.

Bible Study- This is a area that I definitely need to make changes in. I am going to be realistic and set a goal of 3 times a week. If and when I have meet this goal for a month I can always increase.

Now let’s talk about specific goals for January- I have already paid our bills including some extra Christmas cost.  I don’t have a saving goal this month because I honestly don’t have a way. Baby steps!

No spending outside of the Slush fund.
Groceries at $60 or less
Keep up with gas spending for the entire month.
Walk at least 10 times this month, before I can start this I need to get my snow village put away so I can set up the treadmill.