March Update

Financial Goals

1.  Pay off credit card debit by June.  Continue to make steady progress in this area. Goal MET!

2. Emergency Fund to $2000.  I was able to not only make the goal for $100 for March but I caught up $100 for February!  GOAL Met!

. 3. Groceries: Spend $600 a month-  The goal for March will be $400 or less. I actually spent $403.  I am very happy that I have been able to keep the budget low! I am positive that our spending in April will be close to the $600 mark as we will need to purchase meat in addition to a large Costco trip.

4. Gas: Spend $400 a month with any remaining to be move to Auto fund for repairs. I have spent $348.00! Goal met! This did not include the $120 we spent on travel for the beach.

I will be adding a goal for the month of April. I need to save $400 to pay for the crown on my tooth. Currently I have $150 of that saved so I must save an additional 250 this month to cover the rest of the expense.

Blogging:  Goal: 15 per month  This is number 15! Goal met!

Weight: Goal to exercise 3x a week and to be down to 150 by December 2014.
Total failure for the month, between the awful weather and our beach trip. I did not make any progress this month!

A great month overall but I need to focus more on my weight and exercise in the next month!

 

 

Individual Time= Busy Weekend

One of the hardest things about having a larger family in addition to have 3 kids so close in age (8,5 and 4) is finding time to spend with each child individually. Zach is the easiest for this to happen because during the school year he is at home with Daddy most of the week. Usually at least one Thursday a month, I am home and try to spend some quality one on one time with him as well. This weekend, both Lily and Kendall were about to get some quality alone time as well.

Kendall is usually a very quiet and well-behaved child but she has struggles some this year at school with talking. This week she was able to achieve 3 of 4 day with excellent behavior. I decided to reward her, to take her to a bread making class that my Sunday school class was sponsoring. She loved it! The class was really informal and all the ladies including the teacher made her feel special. She was able to spend about 3 hours with just me on Saturday. I decided to ask her what was the best part?  Eating of course …photo 1

On Sunday, our church reserved most of a theatre to see the movie “God’s Not Dead”. I had initially purchased tickets for all five of us to go and planned on letting Zach and Kendall use their mobigos and our phones for more entertainment. However at lunch my sister-in-law, volunteered for the younger guys to come over to her house this afternoon. Their family had watched the movie last weekend and she figured that both of them would have a hard time staying entertained during the movie.   Both Kendall and Zach were excited to spend the afternoon on the farm. Lily became an only child, she was able to enjoy watching the movie with her friends but also got to get some special time with both of her parents.

I really enjoyed the individual time with each of the girls. It just is really hard both time wise and money wise to develop individual quality time with each kid but I hope they remember and enjoy it!

Saving Money/Menu Planning/New Recipes

I have mentioned before that we have 2 freezers in addition to the 2 small freezers that are part of our refrigerators. I love having all the extra space to freeze things and I often have had all of the freezers full. Last year I was able to clean out both of the larger freezers and made one a dedicated veggie freezer and the second one for meat.  The idea is to keep just enough for meals and a couple of convenience meals up in the house. However, what has tended to happen is that we just stick things in the two freezers in the house instead of going to the building. One of the next things on my cleaning list is to organize and rearrange the freezers to make things easier to find.  We have been slowly trying to eat things and rearrange slowly.

We have lots of chicken from our big purchase in October. My original thought was that we would have one chicken meal a week so that should last a year. I am finding that each of the crockpot meals is making at least 2 meals with leftovers. I have also discovered that only 2 of the crockpot meals so far has been worth the effort.  I would say at this point that we have eaten less than half of the chicken that was purchased.

The other meat item that we have in abundance is ground deer meat.  We have been using it in some of our favorite recipes but the “wild” taste was proving to be a little strong for our taste buds. However I have discovered what I hope to be a solution to this problem, bacon grease.  Tonight we used a pound of deer meat fried in bacon grease for cheeseburger pizza, and no one was able to taste any of the “wild” flavor. My hope is that we can use this secret trick to get a lot of use out  of this meat.

After all that let  me get back to the original intention of this post. So other than deer meat and chicken, we only have one more pack of cube steak in the freezer. We do have several packs of bacon and sausage in addition to at least one kielbasa sausage but as you can tell our choices for meat are limited. I really want to use up most of this meat prior to purchasing any more but you can only eat tacos, and spaghetti so many times. So I decided to search the internet for new recipes using chicken and ground deer meat. So far I have collect right at 10 that I am planning on using in the next two weeks. We actually tried a new recipe on Thursday with chicken and one with deer on Friday. Neither of these first two dishes make the cut, they were not awful just not good enough to repeat. My goal is to make it at least 2 additional weeks in April with using just the meat we have on hand and trying the new recipes. However, in my head, I am hoping to be able to not purchase any meat until the last weekend of April.

Do you have any awesome chicken or ground deer recipes to share to help me achieve this lofty goal?

 

Random Thursday Thoughts

I want to make a large poster of the above quote from Dave Ramsey!

  • I have actually already planted several items this year, currently growing outside, is Lily’s cabbage project for school. I am really amazed that it is still alive!  Inside I have several plants of broccoli which are continuing to grow. This week we have about 12 different tomatoes plants that are around 2 inches high. I am so excited to see these growing and hope to keep alive till we are able to plant outside.
  • I have scheduled my dental appointment to have a crown placed on the tooth that I had a root canal on 2 weeks ago. After discussion with the dentist office, they are going to “attempt” to waive the cost of the filling which lasted exactly 4 days before going bad. I have already used up my Medflex spending for the year so my goal is to save the additional $400 I need to make a payment in full. I was able to save $100 extra this week so only $300 to go.
  • We decided to check out our Goodwill store today- Matt was able to find 2 pair of jeans, and 6 or 7 different shirts all in his size. I found one shirt and a Easter dress hopefully. I was most excited that the dress is a size smaller than I have been buying!
  • All three kids came out of the dentist this morning cavity free! This is the most exciting news EVER!!!!!!

 

Travel Budget

If you have been reading here long you know that our family travels on a regular basis. The usual standard of travel is to save money while enjoying the trip. This long weekend was a bit different in this aspect. We still travel on a budget, however it was much larger than most of our trips. the reason?  We only took snack foods and drinks, all meals were purchased. If you just want to see some cute pictures of our family, scroll down for a group of pictures

Here is our budget breakdown:

Hotel    $240.72  The hotel also placed a hold on $100 for a security deposit but that was returned on Tuesday
Gas       $120.00  This was 2 tanks of gas in the van. It is in addition to our regular monthly gas budget.
Food      $400.00.  Basically $100 a day. We came close to this everyday and the additional was spent for clothing.
Spending money $240.  We used the majority of this for purchasing clothes and other small treats while shopping.

Total budget amount $1000      Total spent $1200- the additional money will be deducted from clothing and additional regular gas money not spent.

On our food budget we enjoyed pizza, ice cream, daily breakfast, PF Changs, Olive Garden and Cheeseburger in Paradise.

Long Weekend

We had an awesome long weekend at Myrtle Beach.  When we left around lunch it was 70* and sunny. We arrived home to 45* and showers.  I wish we could have brought the awesome weather with us. The internet at the hotel that we stayed at was horrific to say the least. I was unable to read any of the blogs that I keep up with so posting anything  was just out of the question!  I did take lots of pictures with the intention of sharing so keep checking back to see pictures of our fun. I will try to post links as I plan to post in a series, so you wont miss any but for now here are a couple of the view from our hotel room.

2014-03-20 sheilas phone 001 IMG_0580

Random Thoughts Tuesday

  • I am so tired of cold and water that I can’t wait for Spring. In the past 2 weeks the kids have had 2 early dismissals and 2 missed days because of ice. Enough already give me some sun!
  • I never realized how much a tooth could affect your life. I had a cavity filled 2 weeks ago with a root canal last Thursday, every day I come home drained and climb into bed. Today is the first day I have not taken medicine at work. But now I am dealing with an awful headache
  • I am so looking for to our long weekend. I just need some time to sit and think!  Hopefully I can enjoy the sounds of the ocean at least once while we are there!
  • I need to find myself something to wear in our family pictures that are scheduled in 2 weeks!
  • I don’t plan on using Thred Up again to resale clothing, I did send in one bag and was given a fair but small price for the bag. I did not realize that in order to get a payout, it would require waiting 2 weeks and a PayPal account. Last night I finally just found some summer clothes for Zach so that I am done with this  for good!

 

Budget Update

I have not been posting a lot this week due to the fact that I ended up with a root canal on Thursday evening. Prior to that I have spent a lot of time in bed because I was taking pain medication.  What does this have to do with my budget update? Good question; first I was able to afford this procedure due to having a Medflex spending account through my work. I did decide however that we need to increase our contribution to this account to the max because I still have to pay for a crown to be placed and that will wipe us out for the year.  Now on to the rest of the update:

I have one financial goal left from January- Pay off the outstanding Verizon bill from where we switch names. This is now met! At this point, we have no outstanding bills to pay only except  mortgage, our credit card debt and one personal loan!

In February, I also had one outstanding financial goal- Add $100 to Emergency fund.  Matt has been able to develop a couple of new contracts so I was able to go back and catch up on this goal. Our Emergency fund currently sit at $300. This does not sound like a lot however, it is on track with my plans for the year!

My month goals are as follows with an update:

1.  Pay off all credit card debit by July- I did pay off the JCPenny’s card already which leaves only one more card to go, Home Depot.

2. Emergency Fund to $2000. Goal Met!  See note above

. 3. Groceries: Spend $600 a month-   The goal for March will be $400 or less. I currently have spent $304 this month, if when I am able to stay under budget for the month. The additional will be use to pay on my Home Depot card as I used it to purchase additional dirt for the garden.

4. Gas: Spend $400 a month with any remaining to be move to Auto fund for repairs.  Currently, we have spent $204 for gas this month including the purchase of several items for small repairs on both vehicles.  I did budget an additional $120 in gas this month due to our planned travel so I hope to definitely stay on budget for the month.

Overall, I am very excited about the progress we have been able to make this month with not only paying off some debt but we have a long weekend trip planned. All of this is being accomplished with cash!!!  I am focused on getting us on a solid financial path so that  we can enjoy even the small unplanned adventures that come our way.