Graduation Sunday

Today was a very special day for us as we celebrated Haley’s upcoming graduation at church. One of the major requirements for graduation in NC is the completion of a “graduation project” which includes a research paper, product and presentation to a panel of 6 to 8 community members. Haley chose as her product to sew dresses for Lily and Kendall. In honor of her hard work both the girls wore her dresses to church today. I received several compliment on how well they turned out!

 

Budgeting on Thursday 6/06/2013

Today is my regular payday so I was able to spend a good amount of time, going over the budget and making some minor adjustment to keep us on the right track.  Beside the regular bills, I was able to reduce our debt load by $500!!!!!!!!! I am so excited about this because each little pebble I throw makes a big impact in the picture.  This was extra money from my working. My goal and hope is that I can do the same on the 20th. But I do realize that the next two weeks are heavy with extra fees for cheerleading and some extra items for graduation.

I only have $100 left in my grocery budget for the month. I did place a huge order for Chicken Tenders this month. These will not be picked up until July so that hurt us in addition at Costco we stocked up on “pool food.” The plan is that we take food with us especially each weekend so that we don’t end up spending money on pizza or fast food just because I didn’t plan ahead.

One of the most exciting things that happened today in regards to budgeting is that Amanda actually texted and called me to let me know about an awesome deal on milk and then offered to pick some up for me as it was out of my way!  I am so excited to see that she is realizing the value of money and can spot a good deal!

Finally, we have really been enjoying 50 cent ice cream from Burger King!  I think I understood that this special would last all summer. I hope so, because BK is on the way home from the pool and for the cost of one container of ice cream at the pool we can all enjoy a cup.

Overall I am super excited about where our money is going this month!

Random Thought Tuesday 6/4/2013

  1. I knew that the last 2 weeks of school would be busy but I didn’t realize we have swim team practice every night and cheerleading on Tuesdays!
  2. Coupon trip to Walmart last week saved 42%- I consider this excellent for Walmart! In addition we had a super nice cashier who didn’t question one of my coupons!
  3. Haley received her acceptance letter to Davidson County Community College today!
  4. Lily last day of school will be Friday as her teacher told the class last week that Monday was an optional day. So they really did not have to come then.
  5. Haley has to take 3 of 4 exams and is going to be driving my car the rest of the week.
  6. Haley’s car is getting a new windshield on Thursday and she should be driving it by the weekend
  7. Our 2005 red minivan is up for sale.. I hope it sells quickly!
  8. Kendall is so stubborn but after focusing her in the pool tonight-she really enjoyed swim team let’s hope tonight was the end of the stubborn streak
  9. One of our closet organizers fell off the wall today but Matt was able to repair for free!
  10. I am so tired that I am headed to bed soon….

May in Review- A Day Late

Financial goals: May has been a month to re-evaluate, change and move forward on this goal. My plan is to start at least bi-weekly updates on our budget to keep us focused forward and to share real world numbers.

  • Pay off Lawn mower by March 2014, so no interest is charged. Only made the minimal payment this month but  this is a new focus so hopefully, I can catch up and pay this off my December.
  • Pay off all outstanding debt except the mortgage by June– Changing this to December.
  • Emergency fund to $2000  I was able to get the fund up to $500. I am content to let it sit at this mark and slow increase as the debt goes away.
  • Maintain a budget using a form of the envelope system – Still working well!
  • Groceries: Spend $600 or less a month Goal met. I am not counting our trip to Costco on Friday night or the Zaycon food order in May but both will be counted in June. We are actually $20 under for the month!
  • Gas- I am adding this category. The goal each month is to spend $450 or less for gas.  We spent $400 this month. Starting in June, any left over amount will be moved to the Auto fund. This is basically a repair/maintenance fund in place because the vehicles we own are older and repairs are expected.

Blogging:  Goal: 15 per month I have 13 post for May. My plan was to post this last night but it just did not happen so something to work on.  Still have not met this goal for the year but will continue to keep working toward it.

Devotions: Goal is 5 a week   Goal Met! I am really enjoying my morning time.

Weight: Goal to exercise 3x a week and to be down to 150 by December by losing around 4 # a month.. This continues to be a daily struggle for me.