October in Review

It is one thing to anticipate spending after planning and knowing exactly where you wanted to spend money but quite another for bunch of small “fixes” becoming a very expensive month. In October, we ended up with some MAJOR automotive cost. First we need the oil changed on both vans. Next the silver van needed four new tires and finally the silver van needed a new battery. UGH, we made the choice to leave our emergency fund intact at around $600 and place the new tires on a credit card. Frustrating but not a total budget disaster. The good news is that I anticipate paying off this prior to the beginning of the year!

Financial- Yikes, did you read above. In addition, I have purchased new clothes and shoes for most of us. I am hopefully that we can stop spending and enjoys frugal months prior to Christmas without really noticing a change.
Grocery budget $500- Total spent $700. Yes, that puts us over for the second month in a row. I have pulled out $100 in cash to use for groceries this month. We are stocked up and I really want to eat what we have. The good news is because of losing power in October, we moved everything from the house freezers to the ones in the building. I was able to really organize and we have a great system for pulling up and knowing what food we are going to use. I have already pulled the food we need for the month of November minus Thanksgiving so we are only buying needs and good sales.
Gas- We are currently around $200 over for the month. This does include gas for the generator we ran but about 24 hours as well. I have not figured out exactly how much we are spending but get a better idea in November.
Kid/Summer expenses: We ended up spending another $100 for Lily for theater this month. We spent around $25 on baseball games including some food. Kendall choose to begin gymnastics this month which cost $100 for the first month.
Earned $175- This is a huge improvement from the last year. We have used most of this to purchase Christmas gifts. I also paid for clothing with this money this month.
Personal-
Blogging-12 for the month. I will admit that this has been a struggle but my goal is to make this goal at least for November and December as we have no travelling planned.
Exercise- Zero… no explanation.

Monday Menu Plan 10/29/2018

I see light at the end of the tunnel, our schedule should begin to slow down after this week as baseball season is over. Lily has two weeks until her performance and work is slowing to a normal pace for me. Both Lily and Zach had orthodontic appointments with changes made to their braces so I attempt to keep things soft for a couple of days as well.  You will notice several things different about this plan as we are eating out several times and we need to use up left-overs the other evenings.

Breakfast- Saturday- Pimento cheese and Bacon Biscuits, Sunday-Sausage Cresant rolls  Monday- Bagels  Tuesday, Wednesday, Thursday and Friday- Choice of oatmeal, grits cereal, toast or  eggos waffles.

Lunch-Saturday-Rice Kerola  Sunday-Chicken stew  . Kids have lunch packed including soup, uncrustables and chicken nuggets. I will be eating out on Monday and Friday this week. But plan to take left overs the rest of the week.

Dinner – Saturday-Leftovers  Sunday- hot dog supper at church , Monday-Chicken nugget bowls  Tuesday- left overs   , Wednesday- IHPOP  , Thursday- Hamburgers and French fries Friday-left overs or pizza depending on my mood.

Spending Week

This is a totally different post than I usually blog about.   I feel like all I have been doing this week is spending money. I figured at least I am shopping the sale some what so I guess that counts right?

First, I have been using Ebates for the last several months, for my online shopping. I received one check in late September for $8 and have another schedule for November 15th that should be around 15. I will point out  that at least one of my purchases did not credit but overall it has been super easily and I only buy what I would be purchasing anyway so this is definitely free money.

With the sudden change in weather, I realized we needed some new shoes and clothes. I purchased the girls both 2 pair of boots at 40% off last weekend at The Children’s Place . In addition I purchased Lily two pair of pants and Braxton 2 pair of pants for $80.  Old Navy had a great sale on leggings so I purchased 8 pair for myself and 2 pair for Lily. On Sunday, we stopped at Walmart to get Zach a zip up jacket and found Kendall another pair of boots for a total of $40 spent.  Unfortunately, the boots I ordered online, were slightly too big, today Lily and I headed to Hanes Mall to exchange them.  Another shoe sale at 40% off caught me, both the girls ended up with an additional two pair of shoes. Yes, Kendall has received 5 new pairs of shoes in one week. I also purchased Lily a Christmas dress.  I can at least say that everything was on sale.  I don’t see that we will be needing any more shoes or clothing until Spring.

In addition to all this clothing spending, I ordered a new fryer and Roku box from Amazon this week.

On Monday, we had the oil changed in one van and Zach also had a doctor’s appointment with our new copay of $40.

WOW this month has become really expensive. I am hoping to gain a couple of weeks of no or limited spending prior to Thanksgiving.

Thursday Thoughts

  • Fall has officially arrived in North Carolina. Monday, the kids wore shorts and t-shirts to school. That afternoon, I heard complaints of how hot it was!  The house temperature was 78.  Today, the kids both are wearing long pants and long sleeves. The house temperature is currently and I am hopefully to avoid the heat til at least Saturday.
  • We will have to dig up sweet potatoes and grab the last of viable veggies from the garden as we are predicted to get our first frost Sunday night.
  • I planted some lettuce bottoms in May and after we ate some they ended up self seeding.  We have really been enjoying this lettuce during September and October. I walked out this afternoon and grabbed enough lettuce for 6 salads! This is probably the third full meal we have gotten and I grab usually a salad a week for my lunch.
  • I am coming to the realization that my job in Guam may never come about. I have already received notice that I need to renew my Guam license by Oct 26th for next year. I have yet to use this license so I am thinking that I will not renew and mark it up to a learning experience. The biggest issue is that I will need to re-do our budget in December and eliminate the need for that income.
  • Dinner this week has been a challenge, as I have had after school meetings 4 out of 5 days.  I am hoping to get a better/easier plan for next Monday and Tuesday. I also have a meeting on Monday evening so we may be ordering pizza after all.
  • I have spent my grocery budget for the month so I am forced to say No to a really good sale at Harris Teeter.
  • Going to end on a positive note, we currently are 1/3 of the way to have our Christmas completely paid for via Swagbucks. I am hopefully that by December we can purchase all large items using this free money!

Sheila’s She-Shed

This adventurer started shortly after my father’s past away unexpectedly.  In the last few years of his life, my dad acquired several building and filled them up.   After his death, we realized that no one had been in the 4 buildings nor realized how full they really were. We decided to empty out as many as we could. It took almost an entire year but we were able to move everything that my mother wanted to keep in one building, including items from under the house and attic as well. It was decided that my brother would inherit one building and I would inherit the second. My brother lives across the street from my mother so he moved his building first.  In September, I paid to have the building moved from my mother’s house to my house.

This could be considered a huge expense but in my opinion it was well worth the money. The company charged $350 and I came home to a perfectly level building and empty building.

The first “free” project was to build steps into the building. We used material from the deck steps that we just replaced. They are not pretty but very functional.

Next we used 2 old door hinges to cut two small opening in the front to allow for air to circulate in the building. Screen was again salvaged from cleaning of the building at my father’s. Inside the building we discovered several pieces of lumber that had been placed up high for storage. There was also an old rake handle and a multiple nails and screws.  We did end up purchasing a fast track storage system at Lowe’s using gift cards from Swagbucks.  The candy canes are hanging on an old broom handle that we found after the shed arrived to my house. My father used it to hold the door open with. The chairs above the candy canes are on the rake head that was previously used to hold shovels.

Beach umbrellas, pool noodles and surf boards are placed on shelves that were already in place in the building.

The caddy in the corner was purchased at Aldi for $4.99 and everything on the back wall is connected to hang from nails and screws that were already in place when the building arrived.

Yesterday, we used the wood found in the building to add this 10 foot very sturdy shelf with storage above and below the shelf. The top shelf was already in place when the shed arrived and had been installed by my father for storage.

Total spent on my new “she shed” including cost of moving is less than $400. I have gained a TON of storage and organizing space! Can you tell how excited I am to finally show off the results?

 

Saving on Saturday

This been a very different week, Amanda had an emergency C-section on Tuesday night and I did not work on Wednesday. Tropical Storm Michael came through on Thursday, we lost power around 8:30pm and I did not work on Friday.  I have always said it is the small things that add up, and this week is the proof. Here are the ways I know we saved money this week:

  1. Using the McDonald’s app. I ate lunch on Wednesday and we all had breakfast on Friday. We saved at least $5 with each use.
  2. Ate lunch at Costco on Friday.  3 slices of pizza, 2 hot dogs and 3 drinks for $11.  At least a savings of $10.
  3. Grilled Hamburgers and ate a huge salad out of the fridge for dinner on Friday. By eating at home and using things we were afraid that would spoil we saved at least $35.
  4. Used my Target debit card to save 5% on baby items.
  5. Purchased new “winter jackets” for both Matt and I at Costco for $19.99 each. I am estimating a saving of $50 each or $100.
  6. Purchased Kendall’s Christmas dress for $18.99. I am going to estimate a saving of $25 but probably more.
  7. Purchased a set of new tires at Costco saving $70.
  8. Washed and hung out to dry all the sheets and comforters today. Saving at least 8 hours of dryer time. Estimate of $2-4 on electricity.
  9. Repurposed some hooks and a basket in the laundry room to hold lunch boxes. Saving $14.95 on the purchase of a crate for this purpose.
  10. Built shelfs out of materials we already have for my she- shed. Estimate a minimum of $50 savings. I plan to share more on this soon!

5 Things Friday

  1. This is the first night we have been home this week with no practice or events. I think this should occur at least 2 more times during the month of October 2018.
  2. My job in Guam is “suppose” to be starting in the next 2 weeks.   I also have received notice that I need to “reapply” for licensure by the end of October. I am so reluctant to even think about this but am leaving an open mind. I do have a call schedule to speak with someone on Tuesday and I am very hopeful that I can get an idea of the scope of the time commitment including when it will start on this call.
  3. My favorite sale of the year is the Food Lion “quarter back” sale. Last week, I even took my mother shopping. We ended up shopping two different Food Lion stores and realized that each store has different prices and sales. The stores are less than a 10 minute drive apart. My favorite deal of the week was free yogurt. The Food Lion brand yogurt was on sale at 4 for $1. Each still qualified for $0.25 back so free yogurt. I still have approximately $40 in my grocery budget remaining but may honestly skip shopping the rest of the month.
  4. Gas and other auto related expenses are continuing to be above the budget amount. My initial plan was that all “mileage expense” money would be “fun money” may have to be rethought.
  5. We are celebrating Amanda’s birthday this weekend!

Monday Menu Planning

We usually plan our menu by the month and most times we do the menu planning before going to the store. This Saturday morning we did just that menu plan for the month before heading to Costco.  At Costco, we decided to purchase both bagels and Hawaiian Rolls. I definitely did not want these to go to waste so our plan has officially changed twice. But this is life and the ultimate goal is for nothing to go to waste.  We are also eating out 3 separate times this week but with a gift card hopefully will still stay on budget.

Breakfast- Saturday- Pimento cheese and Bacon Biscuits, Sunday-Bagels Monday- Bagels  Tuesday, Wednesday, Thursday and Friday- Choice of pop-tarts, breakfast burrito bowl, egg muffins, cereal, toast. eggos or grits.

Lunch-Saturday-Costco Sunday- Mexican restaurant  with friends . Kids have lunch packed including lunchables, uncrustables and wraps. My goal is to only eat out on Friday this week: salad, Chicken salad lettuce wraps, grab and go .

Dinner – Saturday-Leftovers  Sunday- bagels with choice of topping  , Monday-Baked Potatoes  Tuesday- Party pop up rolls aka Hawaiian Rolls with meat  , Wednesday- Shrimp fettuccine  alfredo , Thursday- Chick Filet . Friday-Pulled pork and carrots.

September in Review

Whew… we made it.  September was another busy month with lots of money being spent.  You can read about out budget reset here.    To be quite honest, I am glad to have all the spending and buying hopefully behind us.  I actually paid bills twice this month as we move to paying most bills with my paycheck, we are paying a month ahead so it is much easier and quicker. My goal for both October and November is to have more days of no spending than spending days.  We still have not settled on a final budget as I have not started my second job via Skype yet.  At this point, I am even becoming doubtful if this is going to materialize. If I do not being this job it will me a reduction in our budget as I will need to cover our two remaining credit cards from regular bill money. I will definitely keep you posted. But now here is what our month looks like.

Financial- We have moved toward a cash envelope system with most of the budget. We are continuing to use our Costco credit card for the HUGE rewards (total of 8%) in the form of cash back but otherwise we have no plans to acquire any more debit.
Grocery budget $500- Total spent $500 for September and $440 of our October budget. Because I was paid on Friday, we went ahead and shopped at Costco for the month in addition to I have been stocking up at Food Lion during their quarter back sale. I do not anticipate spending more than $60 in October and it is in cash so when it is gone, I am done!
Gas- We are currently around $75 over for the month. I was initially very unsure about the exact cost with both Matt and I traveling at least 30 minutes to work each way. I did increase our gas budget to $400 for the month of October. I may have to continue to monitor and adjust this as time progress. The good news is that I will be earning mileage which should cover at least part of this expense.
Kid/Summer expenses :Lily is participating in youth theater and including tickets for the show so far we have spent $200. Remaining cost include several items for her costume and at least one silent auction item. Zach is playing baseball- $90 sign up fee, $25 on new uniform and around $5 a week for game entry fees.
Earned $75- We are continuing to use this money in different ways. This month it was to purchase items for my building including a light. We are planning to put at least $50 a month for the next three months toward Christmas gifts. Every little bit helps!

Personal-
Blogging-10 for the month.  I have been sick for the past week and we have been incredible busy over the past two weeks but I am going to hopefully stay above this number in the future.
Exercise- 3 total days for the month. I am going to again blame my cold on part of this but I know I can and need to do much better in this area!

Monday Musing 9/24/2018

  • I am sick, not the need to go to the doctor sick but the I feel miserable and need to take medicine sick. I do feel much better today than on Saturday but we have something every night this week so I can’t be too sick. Uggh did I say I am sick.
  • Amanda’s baby shower was Sunday. It was a huge success but did I mention I am sick. I will try and post pictures one day this week.
  • Zach has his first baseball game this week. We are moving up to Kid pitch so it should be interesting to say the least.
  • We were able to get my building moved last week and also purchased a new lawn mower. We mowed the yard on Friday night and I spent several hours in the building on Saturday but I was so miserable that I called it a day with about 50% done.
  • I will receive my second paycheck this week and I am actually really pleased with how our budget is working. I also received the news that I should start my second job in Guam in October.
  • I have started buying Christmas presents and actually am over half way finished!

Did I mention I am sick? So it is off to bed I go!