Saving on Saturday 3/19/2016

sosThe weather has been warm and sunny the last week. This has made Saving a little bit easier for us. We decided to turn off the heat and air around 2 weeks ago and managed a solid 10 days without the use of either until today. I am hopefully that we can again turn it off next weekend. My goal is always to go an entire month without use either which will reduce our electric bill by approximately $100 for the month.

The warmer weather has also got me thinking about our garden. I purchased some new netting and some lawn fabric to use. The netting is specific to square foot garden but is also much cheaper than wire so I am hoping that it will last for several years. I am also trying something new this year. We still have sweet potatoes from our harvest in the fall, so I am trying to start a new crop from the ones we have. The kids enjoying helping with this project. I am not sure if this will give us enough but I am thinking that once I see it working I may start a second batch as well to equal the amount we planted last year.

imageI read last month that you could grow romaine lettuce using a similar water method. The red cup you see is out second head we have attempted. Last week, Zach and I planted the first one in the garden.

imageI realize that we may not be able to have a continual harvest and most like will only get a few extra leaves from this but as I have said before, every little bit helps.

Other areas of saving is our grocery budget, so far we have managed to spend $125 out of pocket for the month of March in addition to less than $1000 for the entire year so far.   This has been the best and most controlled my grocery budget has ever been. I will admit that monthly meal planning helps but we also are buying on a rotating schedule. Our March spending should remain well below $200 however I will need to purchase meat in April so the budget will again be higher.

Finally, I am attempting to save money by using Swagbucks. My goal for each month is to earn one $25 gift card.

What are your saving secrets?

Monday Menu Planning

March is going to an interesting month to say the least. First, I am once again planning to keep the grocery budget extremely low. One of the biggest way that this is happening is that we receive our American Express “reward” in the form of a Costco check. My goal for the month is to restock using this reward and $150. I am excited to say that so far I have spent less than $75.

Now on to menu planning: This weekend was different for us as we spent most of Saturday and all of Sunday out of town. We ate only 2 paid meals out. In more good news, I was able to restock some of our breakfast foods!

Breakfast–  Saturday-French toast, Sunday- hotel. Choice of muffins, toast, cereal or pop-tarts, French toast, grits, baked oatmeal  and breakfast burrito.

Lunch-I was able to get the kids lunches packed in addition to a couple of salads for my lunch as well. I have been purchasing lunch several days a week the past couple of weeks but this week it is back to packing from home!

Dinner-  Saturday- Lunch- PF Changs .   Dinner- Wraps and chips
Sunday- Lunch- Crackers, chips and cookies.  Dinner- Cracker Barrel
Monday- Salisbury Steak, rice and green beans
Tuesday-Cheeseburger Pie
Wednesday- Paula Deen Mac and cheese, Grilled Spam
Thursday- Shrimp alfredo or Turkey breast
Friday- Green Chicken Enchilla

Back to a plan!

 

Menu Planning

The month of February has been a lot off in many ways and I am looking forward to the new month! I have to admit that we had two rules for eating in February: 1) leftover clean out and 2) convient. Last week we ended up eating pizza bites and cheese sticks one night followed by Hamburger Helper the next. This weekend although busy, I feel like we have gotten back on track. Matt and I spent some time this afternoon making a new menu plan for the month. . The most impressive part is that we only repeated a couple of meals and I have at least 2 new meals to try out.

The Plan:

Breakfast–  Saturday-donuts/poptarts, Sunday- Bacon-Egg and cheese biscuits. Choice of muffins, toast, cereal or pop-tarts. I need to restock the breakfast choices over the next couple of weeks because we have really been cleaning out. One disadvantage for this week is that we currently have 2 eggs left in the fridge. I plan to either go to Aldi or Costco on Thursday depending on how the week shapes up. Until then we will be eating something just not eggs.

Lunch-I was  able to get the kids lunches packed in addition to a couple of salads for my lunch as well

Dinner-  Saturday- Lunch- East Coast Wings (after Cheer Competition) .   Dinner- Leftover s
Sunday- Lunch- Baked potatoes Dinner- Picnic dinner provided by my parents.
Monday- Hamburger and French fries
Tuesday-Chicken pot pie
Wednesday- pork chops, frozen flavor broccoli and fruit
Thursday- Shrimp alfredo
Friday- Grilled Chicken.

As  you will see in the update tomorrow, we have managed to keep the grocery budget for the month to $510 which means a total of $700 for the year. We are definitely telling a difference in the cabinets and freezers. But with a month of planning already complete, we should be able to keep the budget low again!

 

 

Menu Planning Monday 2/15

As I mentioned on Friday, menu planning went out the window this past week and my grocery spending actually hit outside the $400 I planned. I am beginning to see how the two are definitely related.  I did order several large storage buckets to use for bulk items such as flour and rice. I am starting a list of Costco and am planning to restrain myself until March if at all possible. I did cook several meals ahead of time on Sunday so hopefully we will stay on a better track this week.

Breakfast–  Saturday- biscuits, Sunday- Egg Spinach omelet. Monday- Baked Oatmeal, Tuesday- Trisha Yearwood Breakfast casserole, Wednesday and Friday- Frozen Muffins or Left-overs. Thursday-eggs.

Lunch-I have several containers of cabbage soup and will also take a salad for lunch. The kids will be eating chicken nuggets 3 days each, sandwiches the other days.

Dinner-  Saturday- Lunch- pizza bites.   Dinner- Leftover soup
Sunday- Lunch and Dinner- Taco Soup
Monday- Salisbury steak, rice, corn and peaches
Tuesday-Shepherd pie
Wednesday-Pork roast or pork chops
Thursday- Chicken and dressing in the crock pot with leftover cream corn and carrots?
Friday- Chicken fried rice.

 

January Money Diet Update

I am not surprised at all to say that several thing have occurred this month that I did not originally think about or plan for. Fortunately, we have adapted and managed to spend as little as possible. One of the bigger things that has happen is the sudden dramatic weather change that has brought us temperature not rising above freezing for several days in a row. I discovered that we had a significant draft in our living room. We were able to purchase and reduce this draft for around $20 but this was totally unplanned. Next up was a computer problem, we ended up purchasing a new operating system for one of our computers which was $130 but in addition after spending several hours working on and around this problem, Matt and I both needed a mental break and headed to Cracker Barrel for Dinner. I am honestly glad we did because after coming home it took another 3 hours to get the computer back to a workable state. I am really enjoying this diet challenge because it allows us to stop and thing before spending, even if we decide to spend the money.  Now on to more positive news.

1. Grocery spending of $200 or less- Currently I have spent $168 after both a trip to Costco and Aldi. I am so excited by this number. I don’t see any reason we can not stay in our goal for the month. We also went ahead today and did a rough menu plan for the month of February. I can see that we should be able to maintain a low budget of $400 or less for February!

2. Challenge #1– Give away 31 things- I have a box of kids clothing already packed and have a couple of options. I am going to make sure this box is gone before the end of the month.

3.Challenge #2– Figure your Net Worth-  I did not complete this totally simply because this number has no meaning to me at this point. What I have done is make a spreadsheet to keep up with real number as I work at paying off credit cards and other debits. I also know the value of all our vehicles. Finally today, I set up access to my retirement account so I can at least glance at it from time to time. As an interesting side note, it has lost over a thousand dollars in January already.

4. Challenge # 3- Do something to earn an extra $25 or more this month.– I have several items listed on Facebook for sale right now.

5. Challenge #4- Reduce at least one expense– I stay pretty on top of this to begin with. But I was able to get a $14 credit on our cable bill due, this month and finally think we have that bill straighten out. I do need to check on our cellphone bill to make sure it is as low as possible.

Overall I am happy with our progress and this challenge is definitely helping me to find some money that can be saved.

Menu Planning Monday-01/18/2016

Matt is slowly convincing me to switch to a monthly menu plan. I like knowing what we are eating and what food we actually have in the house to eat but I also miss changing things up a little each week. On the positive side of that is that we are having a bigger variety simply because I know what is coming and don’t want to repeat.  I am also using the weekends for two things, first to eat up leftovers and second to try some new dishes to put in the rotation. This is definitely a different week for us because the kids are out of school for 3 days but most of the evening activities are continuing as scheduled.

Breakfast–  Saturday- Gravy biscuits (leftovers were froze and labeled for the beach), Sunday- Sausage balls and pancakes. We purchased some premade croissants at Costco last week so we will use these up one school morning. Leftovers included baked oatmeal, pancakes,muffins and French toast. Pop-tarts, grits and cereal are also some choices.

Lunch-I will be taking leftovers and using up the can soup I have at work. The kids will be eating tomato soup one day, grilled cheese sandwiches and leftovers as well.

Dinner-  Saturday- Lunch- leftovers and broccoli cornbread .   Dinner- Sweet potato soup– not sure we will have again but not a complete fail.
Sunday- Lunch-  5 ingredient Burrito casserole– this is a hit definitely going on February menu.    Dinner- Leftovers.
Monday- Rice Creole
Tuesday-Grilled chicken, carrots and fruit.
Wednesday-Pork Chops, green beans, left over stuffing and fruit.
Thursday- Country style steak, rice and fruit
Friday- Spaghetti and meatballs.

Random Thoughts

  • Matt picked up our pork order from Zaycon yesterday. It is awesome!  I received an email yesterday about a deposit/refund because we received a pound less of the pork tenderloin than was originally promised. We frozen 5 of the 6 tenderloins we received after cutting in half. Dinner on Wednesday will be the remaining tenderloin with lots of leftovers. After re-packaging I am thinking that we should have at least 6 months work of pork. This should average out to less than $4 a meal for pork.
  • Our new King size bed frame was delivered today, unfortunately the mattress will not be delivered until tomorrow. We started moving beds on Sunday to make like easier so tonight, we will be sleeping one last time in our queen size bed which is currently in it’s new home, Lily’s room. Lily and Kendall have been sharing a bed for the past 3 nights and at least Lily is waking up on time in the mornings.
  • Working is harder than I expected this week. I knew going in this would be a long week but I am so tired that all I want to do is go to bed, Hopefully by this weekend, I will find the energy to put away the snow village so that Matt can start work on expanding the kitchen soon.
  • Matt has let me know that he prefers menu planning by the month instead of weekly. This way he can change around meals as needed without having to worry about eating the same items several weeks in a row. Currently we have a plan through the first week of February. I am going to try this method for at least January and February. The real deciding factor will be if this method ends up saving money or not.
  • We are planning a grocery store trip to Costco on Thursday. This will be the deciding factor if we are able to stay on our $200 budget this month. So far I have spent $12 and plan to stick to as close to $100 at Costco as possible. I want to prove to myself that I can stick to a budget. Looking ahead both February and March will bring Zaycon meat orders. My goal is to use up food that is currently in our pantry and freezer for the first 4-5 months of the year, ultimately keeping the grocery budget at or below $500 for each of these months. I can then spend the summer months re-stocking the veggies and fruit from our garden.
  • I made a shepherd’s pie tonight for dinner and the kids LOVED it. In fact this is the second night in a row that everyone has eaten and we have no leftovers.

Menu Planning Monday

imageThese are my exact feeling about today. This is the first week since prior to Thanksgiving that we are back to a “normal” schedule. I will be honest and say that I have really enjoyed this past weekend. Being able to stay home and organize most of it. But all good things must come to an end so back to normal we go. The good news is that I have really focused on getting thing prepared for this first full week so that hopefully, I can still fit in all the things I need to. Menu planning is extremely important as I have slashed our grocery budget for the month of January and would really like to maintain a lower budget of around $500 for the first 4-5 months. I know these are lofty goals but I am going stay positive and attack one month at a time.  I realized that I had not posted a plan since mid November so for an update,we have really been focusing on eating good meals and making use of the leftovers that keep occurring. This weekend , we are eating one meal of leftovers a day. So far we are doing excellent with no food being thrown away due to spoiling. This week we have a trip to the Metrolina Eye on Thursday along with a cheerleading competition on Saturday.

Here is the plan :

Breakfast–  Breakfast burrito on Saturday (leftovers for the week), Baked oatmeal on Monday (leftovers for the week)muffins and French toast are in the freezer along with our staples of eggs, grits, poptarts, cereal and toast.

Lunch-The kids are really enjoying homemade “chicken dunks” for lunches so these are packed for 3 days with a sandwich and a grab n go day finishing up the week. I am finishing up lettuce in a salad on Monday and will be eating left overs for the rest.

Dinner-  No new meals this week as we are in survival mood at least for the first couple of weeks.
Saturday- Lunch- leftovers.   Dinner- Stuffed green pepper soup.
Sunday- Lunch-  baked sweet potatoes.    Dinner- Leftovers.
Monday- Salisbury steak, packet of mashed potatoes  and fruit cocktail.
Tuesday-Chicken pot pie.
Wednesday-Pork Chops, green beans, left over stuffing and fruit.
Thursday-Leftovers, soup or may be a meal out depending on time
Friday- Hamburger helper.

 

Food For Thought-

Today is my Mom’s birthday, which means we are fast approaching the end of the year. I am already in the process of looking and working on a budget for 2016. I will do a final update and set new goals hopefully this week but today I want to focus on Food.

  • Menu planning is still happening although I have not been posting the last couple of weeks have been about a couple of special meals and using up leftovers. This week we have already had a meal using meatballs my sister in law brought, tonight we made a roast and used some the sides we had left-over and tomorrow the plan is to use and make pork fried rice from leftover Christmas Eve shoulder. I am also adding some “convenient” meals to the freeze with the extra time we have this week.
  • Our grocery spending for the month is close to $900 which is way over budget. I have been taking advantage of some sells and stocking up, in addition to some extra meals and appetizers.
  • Our average monthly grocery spending for the year is at $691.59. I am totally amazed and excited for this number as it is under my $700 a month that I started in July.
  • I have been looking into some “average” numbers for grocery spending for our size family a “thrifty” plan is $770 and a “Low” plan is $1028 per month.
  • After finding these numbers I am very comfortable with maintaining our grocery spending to $700 a month. I am going to continue to focus on each month but not beat myself up for spending over now that I know it averages out within the year!
  • I was also able to find that the “average” family spends about $200 a month on eating out. In the past, I have not budgeted anything for eating out but this will become a regular expense in the year 2016.
  • We are starting the year with lots of meat in the freezer. I have already paid for 80# of pork that Matt will pick up the first week of January. We also just recently purchased chicken and a large order of ground beef. I am hopefully to not purchase any additional meat until March.
  • Our garden this year did well and we have been enjoying a variety of things. We have enlarged the garden to it’s capacity and hopefully will be able to multiply our freezing stock for the year.
  • I did not even attempt to lose weight with our trip to Disney and the holidays so I will back on track with eating healthier again in January.
  • Total random thought but at least it is food related. I just received in the mail a total of 6 free 12 packs expiring March 31. I will hold on till CVS offers ECBs or I just need them.

Day in the Life 12/17/2015-Cooking

My unscheduled time at home ends tomorrow, so I decided to spend the day by getting ahead. I have actually enjoyed cooking most of the week, probably because I had the time and energy to do it. With this in mind,  I wanted to go ahead and get ahead start of Christmas preparations as we will have family over for several meals in the next couple of weeks. I had a plan in mind and was able to actually finish everything on my updated list. However before cooking, I clean both the vacuum cleaner and did a quick clean of the floors.

On the  menu plan for today was cowboy beans, so I started by frying a pound of bacon and then browning a pound of hamburger for this. I realized as I was browning the hamburger that I should go ahead and make a pot of chill for baked potatoes next week. I ended up letting the second pound of hamburger sit in the pan to defrost. I also need to cut up onions for the beans. I love my pamper chef dicer but it is hard to clean so I went ahead and chopped up 6 cups of onions instead of the 2 cups I needed for the beans.  I decided to try bacon wrapped appetizers that we saw on Saturday morning. This was definitely a good call as Matt froze a bag so we would have some next weekend as well. They are awesome but time consuming. Next was a corned beef ball that will work as an appetizer for several times.

After checking our supplies, Matt and I decided to head to the local meat shop to make a purchase that should last till at least March. We  have ordered pork from Zaycon but want to add hamburger, cube steak and beef stew to the freezer. We also purchased chicken wings for our annual super bowl party. I was very impressed with our total of $113, which is 18 meals of meat.

I came back home to work on browning and freezing the 20# of ground beef. While this was cooking, I was able to finish up my day with candid pecans which will be a gift and desert on Sunday. I am very proud of the hard work that I put in today but also realize this gets me ahead for the next couple of weeks.

Cooking accomplished:
Cowboy beans ( 4 total meals including today)
14 bags of ground beef
2 appetizers
Chill
Candid pecans.

Are you cooking for Christmas?