Halloween…. I will be the first to admit that is by far one of my least favorite holiday. But this year we enjoyed a long Saturday.
Monthly Archives: October 2015
October Budget Update
This is exactly what my October budget looks like. I am really afraid to face the hard number but we spent it so I might as well share with everyone to enjoy. I knew up front that October would be a very expensive month for several reason. First we finished paying for our Disney trip…or to be honest, paid with my Disney Visa, leaving 6 months of interest free payment to make. Another is the fact that October was a 5 week month. I had manage to keep the grocery budget lower than normal in both August and September and made a huge trip to Costco the first of the month.
I am going to share the only good “news” this month, our eating out budget is sitting at $200. This is significantly lower than any other month that I have tracked so woo hooo!
1. Full Fund the budget each month. No.. I officially have 3 unfunded items this month in addition to raiding our emergency fund, which will now have to be replaced.
2. Emergency Fund to $2000. Fail… As I just mentioned, even raid it this month to cover some expenses.
3. Groceries: Goal is $700. No. I have spent $860 this month. I do have a little good news in this area for the year, I am currently on track for $700 a month.
4. Gas: Spend $400 a month . Fail… The lower price of gas has helped, but we have needed to make some repairs to the car in addition to annual taxes and inspection for the truck. The total amount should be $450.
Disney- GOAL MET!
Saving on Saturday 10/24/2015
This weeks, we are saving on Saturday by cooking. Our schedule during the week and many weekends are very hectic, which in the past has lead to us eating out. I really do enjoy eating out however, my budget does not. I started tracking our eating out expenses back in June. I will admit up front that I have been extremely surprised by the amount that I discovered over the last 5 months. One of the most shocking aspects was that prior to Matt’s permanent job change in 2010, we ate out double what we do not if not triple. I know we have reduced our eating out tremendously so the numbers were a serious surprise. During June, July and August, I simply tracked the amount but over the past 2 months, I am working on reducing the amount. One of the huge purpose of cooking today was to provide options that are quick and easy for those crazy days when we need to eat on the run.
First thing this morning we complete our menu planning, this forced us to look at the week’s schedule and make some decisions. Today, Matt is work at a college football game, he needed to drive 30 minutes and arrive by 9:30, he will not be returning home till around 6 this evening. He decided to pack a protein bar to eat on the drive and also packed a “lunch” that he will be eating on the way home. This will eliminate a trip through the drive thru. The next decision we had to make was how many times can we afford to eat out? We have 3 evening this week that are going to be really busy so if we don’t plan than we have spent over $100 in eating out in one week. We decided that we would only eat out of Thursday. After some thinking and checking of the freezer, for one evening I will be making Hamburger Helper with pre-cooked beef and the other hectic evening will mean cowboy beans in the crock pot.
Now to the cooking, this morning we had a huge “country breakfast”. I have in the crockpot “Ranch BBQ chicken legs” and sweet potatoes baking in the oven for lunch. Lily has also made an orange mandarin salad. My goal for today is to have breakfast and lunch for tomorrow (Sunday) prepared today as well so that we can heat and eat. So far, I have peanut butter bars in the freezer for desert. I have used up the rest of potatoes purchased in September to make mashed potatoes that will be heated for lunch tomorrow in addition to freezing 2 other containers that we can use in the future. I will be making the meat loaf and sitting in the fridge along with a squash casserole. The only thing left will be the cranberry sauce that cooks in the small crockpot tomorrow. Before calling it a day, I will make apple pie baked oatmeal for breakfast in the morning. You probably notice that we will have a lot of “side dishes” left which we have planned to heat and use during the week to make dinner much easier to prepare in less than an hour. After much trial and error, for use have a lot of sides dishes and prepared ingredients such as cooked ground beef or chicken works better than have entire meals frozen for use. What helps you resist the drive thru?
Clothes Shopping
Last week, when the weather turned cooler very quickly, I realized that I did not have all the clothing that we needed for this fall/ winter. I did some online shopping over the weekend but still had an index card full of items. I have been very blessed over the past two days to be able to not only purchase all the items on my list but several “wants” as well. The best news of all, I have spent less than $100 for all!
I contacted a friend at church whose son is the same age as Zach but a size larger in clothes. Last night, I head over to check out both clothes and shoes. I ended up with enough jeans, shoes and a couple of long sleeve and short sleeve shirts. Except for a rain coat, Zach’s list of clothing was complete!
Today, Matt and I decided to try find not only the girls some dress but also Matt some additional shorts for our Disney Trip. Our first stop was the local Goodwill, we were not so lucky and found only one dress and a bag. We decided to head to Winston, after going to 2 more Goodwill stores, Mega Thrift and the Salvation Army our morning was complete. We purchased 8 dresses for the girls including 2 red velvet dresses for Christmas, 1 shirt for Kendall, 7 pairs of shorts for Matt, 1 swimsuit for Matt and a Buzz Lightyear Rain coat for Zach. Total spent $75.68 or $4.20 each.
Here are a couple of my favorite dress!
Wordless Wednesday- Fall Festival Fun
Just FYI this is the most pictures I have posted at once in a long time! Enjoy!
Everyone’s favorite activity was this awesome slide!
But the bouncy house was also fun!
Monday Menu Plan 10/19/2015
I am excited and proud to say that we did not eat out once this entire weekend! This is a huge accomplishment for us!
Here is the plan…
Breakfast– Waffles, toast, baked oatmeal, breakfast bowls without potatoes. Cereal and poptarts are an option but with it being chilly, we like hot food.
Lunch- Salad for everyone on Monday, several chicken nugget days for the kids. All lunches are packed and ready.
Dinner- Hopefully we will stick with the plan again this week! .
Sunday- Lunch- Cheeseburger pizza. Dinner-Broccoli and cheese soup.
Monday- Rosemary Pork Roast, carrots and stove top stuffing.
Tuesday- LEFTOVERS
Wednesday-Salisbury steak, rice and veggie
Thursday- Coconut shrimp and French fries, mandarin orange salad.
Friday- Chicken fried rice.
We are trying to make some room in our freezers as we are scheduled to pick up 80# of chicken the first week of November. So far for the month, we have spent $800. My goal is to stay below $850 for the month.
Saving on Saturday
I have mentioned before that this is really a “choice/lifestyle” more than just here is what I saved at x store today. To illustrate, I want to blog about my weekend. I ended up with a ton of pictures, and don’t want to distract at all from the cuteness of the kids so I will limit pictures and post links to the pictures.
The weather over the past week has been predicting the possibility of a “freeze/frost” which turns out happened Saturday night. Many of the activities this weekend directly or indirectly related to this. Friday evening, Matt and I decided to go ahead and harvest all the green peppers and basil that were of any size. I ended up freezing 4 bags (1 cup ) of these and chopping up the remained for salads and cooking this coming week.
For breakfast, Saturday morning, we decided on BLT. I have been making our own bread for the past 18 months, only buying hot dog or hamburger buns. I wanted to use up the loaf so I could make fresh this weekend. We used both fresh lettuce and tomato from the garden. Most of the morning was spent digging sweet potatoes. Around lunch we decided to venture out to a fall festival at my best friend’s church. They provided chicken stew, hot dogs, homemade ice cream and kettle corn in addition to candy that was given as prizes. We ended up enjoying this so much that we spent 4 hours. After getting home, we fixed an easy dinner of grilled tenderloin and baked sweet potatoes. Kendall said that this was an AWESOME day, one of the best ever! Total spent $0. I was concerned a little about the drop in temperature so we chose to clean the oven last night in addition to completing several loads of laundry. The temperature in the house did drop to 67* but this is only a degree below where we set the heat so not a big deal. Unfortunately, I did not move the rising bread dough from the top of the stove and it actually cooked during the oven cleaning. We used old milk containers to cover our lettuce and cabbage plants from the freeze and picked all the tomatoes that were eatable prior to the temperature drop which turned out to be our first freeze. This is what our kitchen window looks like currently.
Sunday morning, we made biscuits and gravy for breakfast, I did freeze half of the gravy to use one morning when we don’t have the time to make it. For lunch, we had bacon cheeseburger pizza, This afternoon, I am going to head to CVS to pick up Diet Coke, Matt is taking Zach to registers for indoor soccer and Kendall has a friend over to play. We are choosing to eat at home in order to keep our spending down for the month. I realized this morning that all three of the little kids are in need of winter clothes. This afternoon I have made a list and contact a friend from whom I have previously bought clothes for Zach from. I should be able to purchase enough from her to set him for the winter at about 1/4 the regular cost, I am going to check out ebay and a couple of other sites to purchase the girls clothes before we head out to Winston in a couple of weeks. I may even check out a couple of consignment store, I just have not had much luck finding clothes for Lily at these before. As you can tell, we are doing a lot to try and stay within our budget no matter to surprises/changes that happen.
Sweet Potatoes
5 Things Friday- 10/16
1. We are predicted to have our first heavy freeze/frost this weekend. I am rather sad about this. This evening after dinner, we harvested and frozen any green peppers and basil that could be picked. Tomorrow, the kids are looking forward to harvesting the sweet potatoes. I am also planning to bring in as many tomatoes as can be saved.
2.We have currently gone 5 weeks without using our heat or air. This should bring our October and November Electric bills down to around $200. With temperatures to dip below freezing the next couple of nights. I am not sure how much longer we can enjoy this break.
3.I am so excited and proud to say that both the older girls are gainful and legally employed.
4. All three of the “little” kids had dentist appointment yesterday. Both Kendall and Zach came away with no cavities and Lily has two small cavities but since they are both on baby teeth, the dentist suggested that we just wait. Zach has already started getting his permanent teeth and they have enamel. The lack of enamel on most of his baby teeth resulted in $5000 of dental surgery at the age of 2 and we have been anxiously waiting to find out if the permanent teeth would be the same. Zach has the same over crowding issues that both Lily and Kendall have so braces at least once per kid if not twice per kid are in our future.
5.Budget wise for the month we are running fairly close. I have already over spent the grocery budget. Gas prices in our area, during the past week have ranged from $2.09 to $1.99 with no rhyme or reason for the sudden increases or decreases, because of these sudden changes, our gas budget is going to be a close call and may even involve less driving the final week of October.







































