Category Archives: Budgeting

Why?

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Why is everything breaking especially in the middle of summer when I don’t get a paycheck and especially right around vacation.

Here are more of the details… first up the insta pot. This was actually not a big deal for me. This was actually a hand me down from my daughter. I just have not had good success with using these. I did enjoy making boiled eggs and rice in the pot but the last straw was the second batch of rice that burned for no reason and the eggs that were cooked dry before it ended.  I threw it away with no thought.  This actually happened three days before our vacation.

The second hit was much harder and I will admit made me cry!  Zach was mowing the yard in a rush and called to tell me the lawn mower was smoking. I told him to let it sit in dry grass as this was not the first time it has acted this way. Unfortunately, when he went to crank it again, it would not even start. I told him to push it to the end of the year.  We were fortunate enough to borrow the neighbor.  Based on history and the age of the mower (more than 10 years) we decided to find and order a new lawn mower during our vacation. It arrived on Monday! And the bright spot is I sold the broken one for $100 on Facebook.

We actually made it to vacation before the next thing broke.  We own our camper and there is a true statement that says  something breaks every single time you take it out. Fortunately it was only the clasp of the screen door for this trip but $15 is still an expense.

We arrived home on Sunday to discover that our oldest freezer had reached a temperature of 41*.  This meant that it had actually stopped working. It was a mad dash to try an save as much as possible. We ended up losing about 1/4 of what was in the freezer as it was completely unthaw.  A great benefit was that it was not full!  So the loss was minimal but still is a huge loss. We are still in the process of deciding if we want to replace this freezer.  It is a third freezer so I am not sure that is an necessary expense right now or even in the future.

Last but certainly not least on Monday, after the first batch of spaghetti sauce, my large crockpot died. It just literally stopped heating!  I had purchased one several years ago and just was using the liner from the new one so I was able to go out to the building and get the new crockpot to use.

 

This all are definitely first world problems but in reality it is frustrating and combined with all the changes we are going through with Lily moving and the tragic loss of two friends this past week. It feels like we just cant get a break!

5 Things Friday

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  1. Found Money- I think that I am usually really good at keeping track of my money.  I usually try not to let anybody keep my money without interest.  However this week, I have discovered that two separate business, held my money for over a year. First is the dentist office.  All three kids had dentist appointments two weeks ago. They are all old enough to go without me. Zach did call me and say that he needed more fluoride toothpaste and then text to say that I did not need to pay because he had a credit on his account. When I got time I called and this week they called me back.  Not only does he have a credit but Lily also has a credit from 2024. In thirty days I am expecting a check for $681.99.  The second found money is from a car service plan.  We purchased several service plans when I bought my car.  When reviewing one we realized that I paid for a battery in November 2025 that was covered under a service plan. I made Several phone calls and should receive $299 back in a matter of weeks. $980 found this week.
  2. I am trying an experiment. Our clothes have gotten increasingly wrinkled to the point I really need to iron even the t-shirts.  I hate ironing!  So instead I am currently hanging our outer clothes on the line to dry. If this works, I will do the last several times we wash clothes this summer. It will be hard to do when I go back to work but I am hoping it works well enough to stop or eliminate the need to iron right now.
  3. This summer has been extremely hot and dry!  We have been struggling to keep up with the demand of water.  After seeing the dead and sun burnt plants, I made the decision to pull out all my squash and green beans and replant.   We have gotten very little from these plants and I had the extra seeds. I am hoping that this works if not then I really have only just wasted time!
  4. We are starting to get some cherry tomatoes from the garden!  They are small but good!
  5. I ended up going to Cherry hill farm to purchase a box of canning tomatoes to make Baked Ziti with. My summer break going so fast that I realized that if I did not get the ziti made this week it probably would not get done. $15 for the tomatoes was cheaper and better than buying jarred sauce.

Saving on Sunday

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Yes this is definitely a day late post. I had planned to write this yesterday but now I want to include my clothes saving today so it is just a saving on Saturday post a day late!

Groceries remain our highest expenses next to out mortgage.  One of my summer goals is to prepare easy meals to use during the school year. It is one of the ways that i am able to maintain our grocery bill.  We typically only eat out once a week.  However between school and sports this puts a strain on my abilities. By having at least 100 meals in the freezer that can be heated and served this prevents lots of pizza and drive thru runs. This year I am also trying to make a comprehensive list of all the meats/ingredients in the freezers as well. My family LOVES baked ziti’s. I would like to make 8-10 of these and have one a month for the entire school year.  But  Italian sausage is expensive and each one requires a pound.  I was excited  to find  it on sale at $2 off a package. I ended up buying 10 packs so I hope to make these in the next couple of week. I am currently waiting on tomatoes in order to make more sauce as we are down to 5 jars.  We are currently working on the end of the whole cow we purchased two years ago.  I was glad to find some meat on sale as well. But to be honest spending $229.00 at Food Lion was a shock to my system.  However that is meat for 12 meals so at 19.50 a meal to feed 6 people is not horribly bad.  I also purchased alot of ice cream as treats.  I continue to monitor the cost of soda and when I saw that Dollar General was not only placing soda’s on sale but giving two $5 off 25 this week, I had to take advantage of that. I ended up spending $59 for sodas this week but that should last us a while and can were around 37 cent a piece and bottles were 65 cent each.

I took advantage of half price offer on Walmart + this week. This included a peacock tv subscription as well as 10 cent off a gallon for gas at Walmart. I am going to keep up with what I spend this year to see if it is actually worth it.  So far we have saved $9 in delivery fees and I am not going to include the cost of Peacock as we did not need it but it was a nice extra that the kids and Matt have already taken advantage of.

Kendall had requested Olive Garden for lunch today and we ended up shopping at a couple of stores in the same shopping center after eating. My family has discovered that they can eat “lighter fare” which is less than $15 a plate and includes soup, salad and breadsticks as well! Total cost for 7 for lunch today which included 3 additional meals of leftovers weas $120!  Belk’s had a good sale going on as well. We were able to purchase t-shirts for $10 each ! Matt also found  shirt on clearance for $18!  Our final stop of the day was a shoe store where I was able to purchase new tennis shoes for B and E and a new pair of dress shoes for Matt. I count spending $60 for shoes a win as well!

I have said several times today that I buy things on sale so we don’t have to pay full price when we need items!

Saving on Saturday- Pantry Challenge

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I am proud to say that I have not been inside a grocery store for three weeks. I will admit that I did send Zach to grab some sour cream on Thursday.   My rule for the pantry challenge is that we only buy items we are totally out of.

Sour cream was the exception or maybe it actually qualified. We had two containers in the fridge.  Unfortunately both were moldy.   Zach spent $1.83 for the sour cream.

We actually ran out of rice on Thursday. I usually purchase large bags of rice at Costco in March but this year we used more than expected.  At Walmart today, I really debated if I wanted to grab a small bag and wait to get at Costco. However the price difference was over three cent an ounce, so I just could not justify. We ended up with a 20 lb bag which only filled one bucket about 3/4 the way. I will still plan to grab another bag from Costco when we go.  As we were walking through Walmart, I found split wings that we will use for Junk Food Sunday. They were reduced to $19.84 for 8 pounds so we purchased 16 pounds. We have opened and used most of a carton of shelf stable milk so I grabbed a gallon of milk as well.   We have been attempting to use up all the meat and chicken from our freezer.  I have used up all the shredded chicken, and all the canned chicken. I wanted to make Chicken stew tomorrow so I went ahead and purchased a whole chicken. I normally would not have purchased but I decided to go ahead because we were out.

Now for the splurge, I grabbled a bunch of bananas and a loaf of bread.  We experienced a MAJOR life change last weekend. I am going to hopefully post about it soon but these were things to make my life easier.  I ended up spending $51 at Walmart today. This means that I have spent $291.57 in total for the month.

Positive Budget Adjustments

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This is typically one of the times that I search to make sure that I am getting the best deal of all the normal bills. The reason is simple, I am thinking about the new year and a new budget.  We switched our internet provided right at a year ago. The first three months were $50ish then it went up to $86.75 which was still less than we were paying. We have been receiving promotional offers in the mail from the original provider  (Spectrum) but nothing outstanding aka worth the time and effort.

Well luckily that changed last week. We received an offer for $50 a month for 12 month at the same speed we had.  I went on line to make the change and also saw an offer for $50 free which I grabbed. I knew it would take some time to get everything switched so I scheduled for last Sunday. Of course it did not work out so a technician came on Monday and got it switched over.  We are going to save $26.75 a month for 12 months or $321 for the year.  This offer also included a free mobile phone line.

This offer required a little bit more research but we decided to go ahead and switch Kendall’s line to save an additional $35 a month.  I was actually trying to get a transfer pin from Verizon online when I managed to trigger a $20 a line discount for 12 months with the catch that I needed to call to get this discount.  Of course it did not come that easy. I spent 45 minutes on hold waiting to talk with someone who was only able to immediately apply it to 4 lines (one of which was Kendall’s).  I have been promised that we should receive the additional $40 discount in the next four business days.  But the hassle is worth it. Currently by changing Kendall’s line and given the $60 discount on the three lines our cellphone bill has decreased by $120 a month or $1440 a year!

That means that I am $1761 closer to paying off Home Depot!

Pantry Challenge update

I did a quick shopping trip on Tuesday 12/30 to end out the year.  I am going to attempt to only buy diary that we are completely out of or other items that are necessary in order to keep eating.  I am also significantly reducing my Amazon subscribe and save orders as well. This past week we have been focused on celebrating birthdays and eating left-overs.  Today, I realized that we are out of ranch powder and I used up the remaining thyme in our soup tonight.  Neither are required to eat so we should be good.

Pantry Challenge Preparation

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I am trying to spend part of my winter break working on Pantry preparation.  I had already been thinking about participating in a pantry challenge but with the new heating and air system it is a definite we need to now.  First I have been working on a list of all of the different meals we could have based on items in our freezers and pantry. My goal is to have a list of sixty items. I am planning to share this list once I get it organized and typed up. Here are some of the other ways I am working to get prepared to make this pantry challenge successful for both the months of January and February.

So far in the last week I have made a batch of sloppy joes (8 meals), two extra meals of meatloaf muffins, two extra meals of bagels and one extra loaf of bread.

I have been searching the pantry to try and restock on any items that we might run short on during the next several months.  I ended up at Costco last night to pick up items for our dinner party on Saturday as well as the items we needed. I ended up spending $306 which puts me over the grocery budget for this month however I will let you know next week what our budgets actually look like for next year.

The “rules” I have set for myself

  1. Eating out as a family  only on Sundays – We have a specific budget for this.  I will also try and stretch this budget to cover meals on the go which will be needed for a couple of swim meets.  Matt and I will continue to have our “spending money” which is going to be reduced from $50 to $40 every two weeks for at least the first six months of 2026.
  2. Purchase only diary items such as milk, cheese and creamer.  I am planning to make bread during the challenge so this should not be needed. We have fruits and vegetables in cans, jars and frozen which need to get used up during this challenge.
  3. No purchasing of meat! With the exception of chicken wings needed for our Super Bowl party.
  4. Use at least 5 jars a week from the home canned pantry.
  5. Keep a list of items we run out of and when This is new this year but should help me figure out what I need in our pantry for the future.
  6. Lower the Amazon subscribe and save order to bear minimum of 5 items needed to keep the 15% discount or items we are absolutely out of.

Anyone else participating?

Saving on Saturday

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One of the most important things to remember is every $1 saved is an accomplishment.  With the huge financial expense of the new HVAC system, I am going to focus more on the little things for saving. The reason is we already do alot of things to save money and in reality, I can’t find much more that way. So now it is back to the basics of saving in every way possible.

I mentioned yesterday that I had not been out to eat breakfast. That is the first way we are saving money!

Another way we are saving money is by using items in our pantry. For us as a family this means that we need convenient foods that are easy to make and filling. Breakfast is one of the hardest meals for me because I don’t have much time to get out the door.  I spend ALOT of time in the Summer preparing food ahead but I also need to add to this during the year. Last night for dinner we had sausage balls and French toast.  I decided to go ahead and make a HUGE batch.  We have been getting six eggs a day so this was a good way also to use up the eggs. I purchased three loaves of French bread at Walmart for $1.47 each ($4.50), used sugar, milk, vanilla and cinnamon. I am going to estimate the entire cost to be $10.  Matt used the Blackstone to fry up the bread. We ended up with our dinner and around 60 additional slices of French toast.  Currently one meal of French toast for one person is $10 so for the same cost we probably have at least 5 meals for our family of five.

The final way we saved money this week is by building shelves out of pallets that we got for free last year. We have used this wood to complete the front part of the new building as well.  I did use part of my Christmas money to purchase the brackets. The total cost for his was around $30 but we have lots more space and I definitely like  organization.

5 Things Friday

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1. Today is the official start of the Christmas pajama pants season.  I have two weeks to be able to enjoy wearing these. If you see me in public, I will be festive and warm! So mind your business
2.  I have not eaten breakfast out/grab on the way to work for the past two weeks. This may seem small but it is a big deal for me!  In reality I will have saved probably $20-$40 this month alone.
3. We have our annual Christmas dinner planned for December 27th. I have already started some of the preparations in hopes that it will not be as exhausting and I can enjoy more of the fun parts of it!
4. Our new HVAC system is installed. Here is me looking forward to warmth and lower bills!
5.  On Sunday, we will enjoy a “Birthday Party for Jesus”, lunch with Friends and Carols and Candles at church.  This is a festive as it gets and I am looking forward to each of these!

Financial Changes- Life Happens

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I feel like I had finally decided on a course/plan of action for next year in regards to Finances and was actually going to make a post and state some goals.  Good thing is that I did not get quite that far… because life happens!  This time it is in the form of our HVAC unit.
Let’s start with the background:  I noticed in November that the house just did not seem warm so I ended up increasing the temperature for a couple of days without much thought.  The day after Veteran’s Day, I noticed that our energy consumption was the second highest I had ever seen. We called and got it checked out the next week.
Here is a picture of what we saw…
We had to run the fan over it for 24 hours to discover that a “reversing value” was bad. The anticipated cost was $1500 so we went ahead and had the part ordered. A part arrived this past week and on Wednesday they came to install it.  Unfortunately a freon leak was discovered.  After another hour of trying to find the leak and realizing that we were shipped the wrong part.  We were given the decision to make as we continue with the repair knowing it would add another $1000 to find and repair the leak or purchase a new system.  Several factors were presented including our system is currently 18 years old with a life expectancy of 15 years.  Another consideration was that there was no warranty or guarantee with the repair.  In fact we were told that it was very likely that the repair would not fix the problem and in the best possible case we may get another year out of the system as old as it is.
New systems are not cheap to the tune of $8700!  This was a very tough decision to make.  I am not  one to purchase a new anything in case. After thought and prayer. We decided to go with a new system.
After the decision was made, I did some additional research and discovered that we have spent less than $500 on our system since installation.  Matt also discovered that the new system is supposed to be much more energy efficient as well. The new system will come with a 10 year warranty that will be monitored and covered by the same company we have used since the beginning.
The system is actually supposed to be installed on Friday!
Next came determining how to pay for this expense.  I talked about refinancing the house in this post.  During this process we had decided to put some money back in our Money Market account for future expenses.   The bulk of the cost will come from there. The remaining amount is going to be from our budgeted expenses. My plan was to attempt to pay off several credit cards in 2026. This has now changed, we are going to cover this expense and attempt to pay off the interest free account before it expires.    This will be a stretch but one I am going to face head on and attempt to meet.
In reality this means that for the short run we are going to make only minimum payment on all the credit cards (OUCH).  I am going to focus on also reducing our monthly expenses as well, especially in regards to food and other non essential  spending.
   I am planning a couple of posts in the next two weeks with concrete numbers and ideas. Hang around for the journey!

Friday Financial Update

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So this is the much promised post about the big financial change that we have made.  I have hinted at this post on several occasions but did not want to share until everything was complete and final. The reason for this post is very personal, I want to be able to read this in the future, see my rationale and also determine if it worked or not.

We have refinanced the house and rolled the HELOC into it. First the facts, this is a 15 year mortgage with an interest rate of 6.25%. the anticipated maturity date is December 2040. Our age would be 68.

Next, why we choose to re-finance at this time. There are two main reasons that we looked at refinancing now. The first of which is that we or at least I have started to seriously look at and begin to plan for retirement. My top priority going into retirement is to be debt-free. I do not want to have any payments such as mortgage or car. The auto part is really something that I can’t control as much as the mortgage/HELCO.  I knew going in the HELOC was 30 years and my initial plan was to begin making double payments when we pay off the Tahoe in October 26.  The second reason for considering and seriously looking at a re-fi now is that the HELCO was an adjustable rate.  I don’t recall reading this so maybe I missed it. I realized this (my mistake) because the HELCO was a fixed rate for 12 months and then became adjustable. My realization occurred with the notice that it would increase to over 7%.

The problem…. our mortgage was refinanced during COVID at a rate of 2.75%. This has been the one down side and thing that made the decision to re-fi difficulty for me. But when you compare the fact that the HELCO was already high and had the possibility of going even higher then even math said we should re-fi.

We ended up including some cash out when we decided to re-finance in order to reduce our overall debit load and to make paying everything much easier and quicker.  As I mentioned above the interest rate is 6.25% which is less than any credit card at this point.  We will begin making payments on January 1 2026 and begin to make an extra  principal only payment November 2026 which should reduce our term to 8 years or 2034 and our age to 62.