May in Review

This has been a long EXPENSIVE month. I am so excited to say goodbye to May and hello to June. Matt and I both are still working on increasing our income and hopefully we can start to see increases in the month of June.

Financial- This is the worst month this year in regards to finances. The good news is that I receive an “extra” paycheck in June. My goal is to reset and hopefully get our feet back on steady ground. I blogged here  about most of the expenses. I was not able to cover them all but we are still eating and floating so I am so thankful to head to another month.
Total paid to credit card debit $1173 total, however this did not produce an reduction Instead we increased our overall debit by almost $600.
Grocery budget $475- Total spent $608.08. Yikes, It happened again and this does not include our cow purchase. I checked and we have been over budget in this year for 5 out of 6 months. I need to take a good look at this for the next 2 months and may in reality need to increase this to a larger more realistic number. We are well stocked and I would love to say we are planning to spend much less this month but I honestly think the kids are growing and we are eating more.
Gas budget- $280- Spent $285. This does not include the inspection, or tags on Matt’s van.  I also plan to re-evaluate this during the next two months and may increase if needed.
Kid/Summer expenses : Camp deposit, swim team, baseball games and we are not even going to talk about the medical expenses.
Earned $75-this is the lowest month to date. I am somewhat frustrated but extra is extra so we will continue to attempt to use whatever we can get.
Personal-
Blogging- 9 for the month. No goal met here either
Exercise- 0 total days for the month.

This is real life and just because we have a bad month does not mean we stop working. I am super disappointed but I lived the real struggle this month.  I am praying and holding steady for better times ahead.

5 Things Friday 5/25/2018

  1. I have a 3 day weekend! WOO HOO I am so excited to have at least one day to stay at home!
  2. Our square foot garden is thriving. I am so very hopeful at this point. We have enjoyed lots of lettuce and some basil. I am excited to watch everything grow but even more excited when we start eating out of the garden.
  3. Our freezer is once again full. Matt picked up our 890 of beef on Tuesday. Our chest freezer was a great fit. We have spent several hours cooking, so far we have 13 bags of cooked grounded beef.  32 beef and bean burritos, 12 meals of Salisbury steaks and 5 meals of sloppy joes (minus the buns).
  4. May has been a slow and expensive month. I am holding on tight to make it till June. We are definitely over budget with both gas and groceries for the month.
  5. Lily has not had an episode in almost 2 weeks (Sunday). This is a huge praise in our books.

Happenings-5/20/2018

Things around here are always busy and usually pretty interesting. May has been a really busy and expensive month. Lily’s strange “episodes” have added both and of course cause lots of worrying and frustration. I thought I would try to update on the happenings and upcoming plans for the last week and half left in May.

I am going to start a new part time job soon. It is a very unique experience, providing Occupational Therapy via skype.  I am still wading through the process of learning the ropes and applying for licensure. I am so excited.

We should receive our cow that we purchased some time in the next week. I have spent some of my time trying to clean out the freezers and get a good idea of what food we need to eat in order to store the meat.  I anticipate that we will make a 10 or 15 pound batch of Salisbury steak next weekend. I am also planning on making around 5 lbs of taco meat and turning most of that into heat and eat burritos.

In addition to our 900 pounds of beef, we are also scheduled to receive 40 pounds of chicken breast. Hopefully everything works out so that we have approximately 2 weeks between the beef and chicken. I am planning to make packets for grilled chicken in addition to cooking and shredding some to use in dishes over the summer.

I have been able to finish my hours of continuing education that are required every year and have successfully renewed by Occupational Therapy license. I was also required to purchase malpractice insurance which was more than I anticipated.

All three kids have decided to go to church camp this year. I am excited for them but this is by far the biggest expense of the summer. Matt and I are both anticipating being able to work extra during the week they are gone.  That should help offset the expenses.

We currently have approximately three weeks of school left. Our local store “Food Lion” ran a special this week on lunchables.  Most ended up costing $1 each while others were $0.50.  I decided that this was a justifiable expense and purchased enough for the kids to use for lunch every day for the rest of the school year. Matt and I are also focusing on bring food for lunches so that we do not add to our already, over stretch food budget.

The kids are practicing for swim team in addition to Zach’s baseball games and regular church activities for the next two weeks which again means less time to do anything.

Finally a positive note, I get to look forward to a 3 day weekend starting next Friday!  My goal is to get everything caught up so that I can enjoy at least 4 hours sitting by the pool.

5 Things Friday 5/18/2018

  1. The Square Foot Garden is looking AWESOME!  We are already enjoying lettuce that we sprout from some we had purchased. I am truly amazed at how much we are harvesting.  Everything is growing so well. I am so hopeful that this garden will help us reduce significantly our food bill this summer.
  2. I have really enjoyed baseball season this year and always look forward to swim team starting. However, these two overlapping for 2 weeks has added to the craziness of our schedule.
  3. Lily has been at a series of doctors over the last two week. The official count is 6 and that does not include our trip to the emergency room. I am very grateful for my decent insurance and our medical flex spending card that has help cover most of these expenses.
  4. I should start my part time job in July!! I am super excited at this opportunity not only for the extra pay but a definite change overall for me.
  5. The pool is officially open but with the weather stating rain all weekend, who knows when I will enjoy a relaxing day by the pool?

Overwhelmed

I am the first to admit, I am an organizer, a planner and a list maker.  I usually jump right in and check items off my to do list as quickly as possible.  But I am also seeing that when I am overwhelmed I avoid.   Guess I should go ahead and admit upfront that I have definitely been avoiding things over the last week.

I have already explained how May is one of the most expensive months that I can remember. Dave Ramsey puts it very clearly “we have an income problem”. Both Matt and I have are actively seeking ways to increase our income in whatever way possible.  First way of increasing our income was our yard sale on Saturday May 12th.  We did ok with the yard sale. We (people who live at home) earned a profit of around $90.  The second way, Matt and I are trying to increase our income is adding hours at work. Matt is working as much as possible. In fact last week, he worked every day except Wednesday.

I have applied for and will be starting a new part time job as well. This is where a lot of my feeling of overwhelmed is coming from.  I have been juggling 3 or 4 different paper applications  that are require in addition to completing continuing education hours both for the new job and for renewing my Occupational Therapy license. I also agreed to become the treasurer for our youth group at church.

Back to my avoiding, last night I spent close to 4 hours lying in bed watching TV. I did not even want to set in front of the computer.   I was very tempted to do the same today but have caught up on everything not directly related to the new job. I still have another 5 plus hours to complete this week but writing this blog post is my reward to at least seeing the end in sight.  Hopefully, by the first of June, things will settle down and I can return to quickly checking things off my to do list!

Expensive Month of May

I can honestly say that this May 2018 is probably the single most expensive month that I can remember.

First the “known” expenses-

  • Pool dues $375
  • Swim Team Fee $ 110 plus around $80 for new suits
  • Car Insurance $325
  • Van Tag $44
  • Deposit for church camp $150

Other expense (not planned)

  • Cow butchering $510
  • Zach braces initial payment $400
  • Moving of building $300
  • Lily Additional medical expenses currently $300
  • Malpractice Insurance for me $160

As Matt stated “We have an income problem”  The good news is that he and I both are picking up extra work and hope to cover as much/all of this with extra money this month. Twenty- four hundred is a lot of money so we will be saving each penny and finding creative ways to add to our income this month. First up is a Yard Sale this coming weekend.