December/Year in Review

Here is a look at where we are in December, in addition to how I did for the year. I will be posting new goals soon hopefully!

Financial goals I am excited because we maintained our budget this month. Even with extra spending for tires!  Overall, we made progress this year but many of these will remain on the 2014 goal list!

  • Pay off Lawn mower by March 2014, so no interest is charged. Made the triple payment! 7/9 months goal met!
  • Pay off all outstanding debt except the mortgage by June–  Obviously this goal was not met.
  • Emergency fund to $2000  No progress again. 4/12 months goal met. This will become a major goal in 2014. However, I plan to reduce the goal each month but increase the final goal.
  • Maintain a budget using a form of the envelope system -This is working for us! I continue to make adjustments as to where the amounts are kept and how but overall I am counting this as goal met and will be discontinuing it!
  • Groceries: Spend $600 or less a month  $460 spent for the month in groceries! Overall 10/12 for the year.
  • Gas- Goal Met!! 100% for the time period that I tracked this 7 months! I will leave this for accountability with any remaining to be placed in the Auto fund!

Blogging:  Goal: 15 per month:  This is post number 15 for the month with at least one additional post planned!  5/12 for the year. Definitely staying a goal!

Devotions: Goal is 5 a week   Goal Met! 100% for the year!

Weight: Goal to exercise 3x a week and to be down to 150 by December by losing around 4 # a month   This has been the hardest goal for me. I only achieved it 1 out of 12 months!  Much thinking to do regarding this…

Progress is occurring but it seems that I am taking 2 steps forward and one step back. I am going to continue with a monthly update of goals so that I can stay accountable!  My plan is to publish new goal in the next post!

Menu Planning-Using up leftovers

I have said before that we enjoy eating out! For me it is more about the convenience and speed than the actual food. Another thing that we have learned is that if we fail to make a plan then we are going to end up eating out regardless of our good intentions or need to stick to a budget. I am proud to say that we have not eaten out in 7 days!  The plan is to continue with this trend until Thursday when we are travelling.

I also hope plan  to be able to take some prepared food with us so that we will be eating out only once per day instead of three meals. The first reason is that feeding 5 people, 3 meals a day for 5 days can cost close to  $500, which as you can probably guess is not in our budget. Another big reason is the time involved in just stopping and ordering a meal and consuming it, even grabbing fast food is a bare minimum of 45 minutes to an hour of time that we end up wasting adding to our travel time. Finally, when travelling 800 miles you realize that your choices are often limited based on the area you are at especially with the 2-3 days of actual travel involved.

I realized on Friday that we had a large assortment of food in our refrigerators that I was not crazy about leaving for a week unattended. So I decided that I would try to use up as much of the leftovers and other items prior to leaving on the trip.

First up is the leftover Boston butt from Christmas Eve at my parents.I decided to make Pork Fried Rice (followed 30 day Chicken Fried Rice Recipe). I was able to make enough for 2 complete meals, one we enjoyed for dinner tonight and the second was frozen to use later. We do have enough left that my plan is to reheat, add dip, and serve for dinner either Monday or Tuesday evening.

I purchased some green peppers the first of the week with the intention  of using in omelets this week but they are still unopened on the top shelf.  So they will become stuffed green peppers for dinner tomorrow night. I will be able to top with mozzarella cheese that is starting to turn. The other ingredients are easily accessible in the freezer.

One of the items I plan to take on the trip is Taco soup. I was able to grab all the ingredients out of the freezer to complete this today as well. We will enjoy one meal for lunch tomorrow (Sunday) and another will be frozen for eating in Michigan.

I used some of the leftover chicken from last week to make a pot of Chicken and Rice on Thursday.  We have already frozen a dish of this to travel with us as well.

Last but no least are all the breakfast items that need to be used up.  This morning the fridge contained; baked oatmeal, French toast, pancakes, gravy and bacon. I decided that no cereal could be eaten until we clear out these items!  A spinach quiche, which will be an option in the morning,  used up a single pie crust and some of the bag of spinach in addition to leftover bacon from Christmas Eve.

It does appear that at least one evening meal, most likely Tuesday will be a left over choice depending on what is eaten for lunches. Another option will be baking sweet potatoes for dinner which are quick easy and well liked.

Here is the plan and we are sticking to it!

December 26th – A Day of Reflection

On Christmas Eve, I received a phone call that provided proof of how busy this fall has been. The portrait studio called to remind me that I could pick up my pictures. “You must have the wrong person” was my first reply. After a couple of confirmation questions, I realized they were talking about Zach’s birthday pictures that we had made the first week of September. I honestly had completely forgotten about them. If you know me or have seen the inside of my house or even “enjoyed” my wordless Wednesday post you realize, I love pictures, to completely forget about pictures is not something I would normally do. We just have stayed extremely busy with all kinds of activities.  This phone call proved what I had already decided to do for Christmas, enjoy some quiet relaxing non busy time at home.

I am glad to report that this has been a success. The plan for today is a little shopping and dinner with friends but in reality if I ended up at home until time for dinner so be it.

Christmas Eve was spent catching up on some chores and make breakfast for the next several morning. Amanda and Scott arrived at noon, some opening of presents and a quick trip to Walmart, resulting in all the kids enjoying new toys for an hour. My dad called and we left to go over for my family celebration. It was fun and relaxed with lots of laughing and some more gifts. I can’t forget the traditional game of Rook, that was won by myself and my brother!  The kids were exhausted and all asleep early by 7:45pm.

Christmas Day was even less eventful. We did awake early, Santa had arrived! Another area that has been successful this year is we greatly scaled down Christmas. The little kids received one gift from Santa;  Zach a drum set and headphones, Kendall and Lily both American girl dolls. Stockings had candy only. In addition, each had 2 additional presents from us, one from Grandpa Abbott and one from Aunt Deanna under the tree. But the lack of 6-10 gifts a piece was not noticed. We had a quick easy breakfast of bagels with the entire morning spent playing with the toys. The little kids have been the most engaged and happy I can remember. Amanda is working today but checked in this morning and Haley stayed till breakfast. She has spent the rest of the day celebrating with her Dad’s family. Everyone, well except Matt, stayed in pajama’s all day and alternated playing together and alone.

I can honestly say this has been one of the best most relaxing Christmas’s in memory.

Christmas Eve in Pictures

First thing this morning the little ones helped make French Toast….

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After finishing a few chores, we decided to play some board games…

2013-12-24 Christmas Eve 2013 001

Next Amanda and Scott came over and we opened a few presents….

Finally we headed over to Pawpaw and Granny where there was lots of fun and even more presents…

We ended the night by reading the Birth of Christ from Luke and of course some milk and cookies for Santa.

January No-Low Spend Goals

On Christmas Eve Eve, I have determined that by spending cash, we actually are doing a much better job of keeping track of our money. So in honor of that discovery, I am going to join Carla over at My 1/2 Dozen Daily in her January No-Low Spend Goals.  I actually want to achieve some of my goals this time so I am going to be specific but simple.

  1. Get $100 in our Emergency Fund. The goal for 2014 will be to have a base of $1000.
  2. Pay off the outstanding Verizon bill from where we switch names
  3. Deposit for Beach vacation
  4. Reduce Groceries to$400 for the month with the remaining $200 set aside for Cheerleading competitions.
  5. Transfer $50 to auto fund by the end of the month.

The rest of December, I plan to use cash for all purchases which with a little extra Christmas money will mean a little extra spending but we are still on track for the year!

 

 

 

Budget Post 12/21/2013

Matt will be finishing up the final Christmas present today! I am excited to report that we have really reduced/maintained our spending this Christmas!  I know that the kids will not miss extra stuff and in additional there will be no worries as to how we need to adjust for January.

One of the new things I am trying is a financial journal. Each day I am trying to keep up with exact where we are in regards to spending and plans for extra money. I am most excited that we are still on track to end the year even! I even have a little extra money. But I want to hold on to this to make sure that everything arrives as it should!

I have moved the hair fund to an envelope  but it has not been fully funded yet but we have used for petty cash and it is much easier this way.

We only have $50 left in our gas fund for two weeks, we ended up with an oil change and new wiper blades out of this fund. I think we should be okay as we just filled both vehicles this week and with Christmas our driving will be minimal!

I am going to borrow a couple of items to start including in my budget post from Carla

A few things I saved on this week: Harris Teeter trip purchased 5 12 packs of Diet Coke, 2 jars of pickles, 2 cans of frosting and 2 12 packs of toilet paper for $23.07

My budget fail this week: Doing great so far!

Christmas Parties

This has been the week of Christmas parties and fun activities at school for the girls. Today, I was able to attend both Kendall and Lily’s classroom parties at school. At the same time, Matt took Zach to the library for a Christmas party. Afterwards, Zach used his own “card” that he received as a gift to  purchase a happy meal. You will need to scroll and see both post of the same name to enjoy all the pictures!

Today, Lily’s class made gingerbread houses out of graham crackers and had food afterwards. Tomorrow, Friday, they get to wear pjs  and will exchange mugs. The school day is only half so no real education there…

Christmas Parties!

This has been the week of Christmas parties and fun activities at school for the girls. Today, I was able to attend both Kendall and Lily’s classroom parties at school. At the same time, Matt took Zach to the library for a Christmas party. Afterwards, Zach used his own “card” that he received as a gift to  purchase a happy meal. You will need to scroll and see both post of the same name to enjoy all the pictures!

Kendall’s class had 7 different activities followed by food…