Saving on Saturday

sosI 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.

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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.

 

 

5 Things Friday- 10/16

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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.

Saving at CVS

After several weeks of no really good reason to shop at CVS on Sunday, I was excited to go in today.  I will start with the explanation that Matt actually made a quick stop at CVS on Thursday to purchase some deodorant. He ended up receiving both a $1 ECB for the last quarter and $5 ECB for beauty club spending.

By the numbers:
5 transactions (3 on Matt’s card and 2 on my card)
2 bag of candy corn. These are at the request of Zach’s teacher so even on sale they are not items we would normally purchase.
3 bottles of shampoo
1 bottle of conditioner
10 2L of soda (8 of which were Diet Coke)
1 piece of caramel- (Need to use my ECB)

Total spent $12.69
Total saved $37 or 75%
ECB remaining 1

By far the best deal of the day was Treseme’ Shampoo and Conditioner.  I purchased 3 bottles of Shampoo and 1 bottle of Conditioner, used 2- $5/2 coupons that expired today 10/11 and my 5 ECB from Beauty club. Total out of pocket including tax was $1.77 or   44 cent each!

Monday Rant 10/5/2015

I am becoming increasingly frustrated with the public school system. But before you read any further let me bluntly state that I am good friends with several teacher and other school personnel. I am in no way blaming or shaming them, instead, I think the whole system in North Carolina needs to be overhauled and made better. Public school is really the one of  only two viable options in my rural area. The other option would be home schooling and we don’t feet this is appropriate at this time either.

I refuse to fundraise for the school. It is not that I don’t think the school does not need or deserve extra monies but for me it is a matter of economics.  Currently, we have 3 children in Elementary school, therefore in order to participate in any fundraising we would be expected to sell 3 times the amount. For example, each child is expected to sale 5  items, in order for us to participate we would need to sale 15 items. Another example is the magazine sale, no cost to you simply fill out 4 to 6 post cards with the name and address of family members. Sounds simple enough but even with a large family we don’t have 24 relatives that children are not in the same area to send these too and do I seriously want to send 3 times the junk mail to anyone?

Now that we have established those simple facts, let me start the real rant. I am sick of my children’s “free public education” costing more and more and more each week. To begin the school year, I paid school dues $7 each and purchased T-shirts in the appropriate color for each child to wear on fieldtrip and as part of “Titan Tuesday” each week.  $51 dollars before the first day of school. To purchase a school lunch is $2.85 a day for each child, or $8.55 a day or $42.75 a week or $171 a month. Needless to say,  none of the kids eats school food. I could and do feed all 5 of us at least 2 meals a day for this same $8.55.   The first week of school, we received a notice and each of the kids was excited that they would be have “Future Fridays” this year. Each children should wear a shirt that represents their favorite high school or college. Does not sound like a bad idea until you do a bit of math 3 t-shirts at $20 a piece, which really is a low figure equals $60 for my family.  This provided us with the opportunity to have both Kendall and Lily do math and discussed our priorities as a family. Guess what purchasing and participating in “future Fridays” did not make the list. Fortunately for use both school lunches and college t-shirts were an easy discussion to have with the kids.

“Fundraising opportunities” were easily addressed the first of September with a simple we don’t participate. The next request become a little bit harder but yet not impossible to deny. This was a request from the 2nd grade teachers that we “Donate” $20 so they can purchase a classroom software pack. Another no… I will gladly donate goldfish, paper towels, Kleenx  or just about anything else (except candy) the class needs but not cash.

Next up in the category of things that we have to pay for at public school fieldtrips. Yes, they can be educational and yes the kids enjoy them but since when does it cost $18 and $14 for a fieldtrip. Just for the record, I did pay both of these without too much complaint but still.

Finally school pictures, I love pictures and I have always at least purchased an 8×10 for each grade. This year that will equal a total of $72 spent on school pictures. The bright side, I can purchase online instead of writing three separate checks.

 

 

Menu Planning and other Rambling Thoughts

We have really implemented menu planning into our regular routine, Saturday morning after breakfast. This is one of the few times Matt and I can actually sit down and discuss what we want to cook, look in the pantry and cabinets without being in a rush. This morning we also talked about trying to “clean out the freezers as much as possible” prior to our Disney Trip. I don’t usually worry about the freezers in the building as I do about something happening to the smaller freezers in the house.  The plan/goal currently is to eat and use as much as possible in the next 54 days and only pay small amounts of food if needed with no big stock ups.  I honestly don’t thing this is very hard as I was really deliberate about buying and completely restocking our pantry and freezers this past week. We also have already order 80# of chicken, which will be picked up the first week of November. Honestly at this point I don’t even have room to place this chicken anywhere. I am also considering placing a ground beef order for December but this will depend heavily and freezer space as well.

Now on to the planning

Breakfast–  Homemade Breakfast bowls, Pancakes, toast with  jelly, yogurt,  cereal, poptarts, and grits will be out breakfast for the week. Saturday morning- tenderloin, eggs, grits and gravy. Sunday morning- Baked oatmeal( need to decide what kind in the near future.”

Lunch- .The kids were all excited that we bought “uncrustables” this week at Costco, along with grab lunches. I am going to be taking left-overs every day.

Dinner- During the week, things are fairly busy with an activity every night but Friday but we are keeping with the plan!

Saturday- Lunch: BBQ chicken plates              Dinner- Oyster stew or leftovers.

Sunday- Lunch- Baked potatoes, cream corn, Paula Deen mac and cheese.    Dinner-Leftovers or cowboy beans depending on how full the fridge is.

Monday- Salisbury steak, rice, green beans and fruit.
Tuesday- Pizza bites or eating at school even.
Wednesday-Spaghetti and meatballs
Thursday-  Chicken fried rice
Friday- Chicken nuggets and French fries.

 

I am attending a ladies conference next Friday night and Saturday so Matt and the kids will be figuring something out for these days.

5 Things Friday

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1. I was so excited and surprised to get an email today that told me, we owe $300 less on our Disney trip than I had originally planned! This is HUGE! We have been planning and paying on this trip since February and our final payment is due mid-month.

2  I was able to sell 2 toys today and that gave me $50 to put in the budget this month.

3. We are experiencing a “rainy season” We have received rain every day for the past week and are predicted to receive an additional 4-12 inches of rain over the weekend. My plans include staying inside and long hot baths. The temperature is also a bit cool for North Carolina in October.

4. We currently are on week 4 without heating or cooling out house!  This should help reduce our electric bill to under $200 for the month of October and hopefully November!

5. We made several huge grocery store trips yesterday and have already spent all but $16 of our grocery budget for the month. I am so disappointed in this but am already facing the fact that I seriously need to increase the budget to a more achievable amount.  I need to do some research and figure out what a reasonable amount would be, any suggestions on where to find this information?

5 Things Friday

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1. Just because I like to be a rule breaker, I am going to post my saving on Saturday, in today’s list!  Amazon was running an awesome deal on Amazon Prime- $67 for a year’s membership. Matt helped us to join today. This will save us $4 a month starting in January because of the kid’s Kindle subscription. So we are going to enjoy free shipping, movies, music and books for $31 or $2.58 a month.

2. Our Menu plan this week was side track by a couple of things. First, a person at church is growing some awesome peppers and was generous enough to share these. We ended up having Pepper Steak on Sunday afternoon and Chicken Fajitas on Thursday. The second change was due to me locating a container of grilled chicken on Wednesday. Because I did not want for this to get wasted we had chicken fajitas on Thursday instead of shrimp and a awesome chicken pot pie on Friday.

3. This coming week will be the most challenging for our budget. So far for the month of October we are less than $10 over gas and groceries(which I cut to $300).  We already have a menu plan in place so my goal is to stay the course and celebrate an awesome successful month!

4.I have absolutely no plans for tomorrow. My goal is to not leave the house all day!

5.The kids had an early release day today and were picked up from school at 12 noon. I am very proud to say that so far this year, no one has missed a day of school or received a tardy. FIRST TIME EVER!

 

Menu Planning Monday

This week is back to the normal busy routine. The weather is turning cooler so I am starting adding a soup day to most weeks. The challenge for the next two weeks is to use the groceries we have on hand and make a good list of items needed  on the first of October. I currently sit at $306 spent on groceries and that included buying a gallon of milk for this week.

Check out this awesome list of ways to use food and not waste, written by a friend of mine.

Now on to the menu plan

Breakfast– French toast, toast with new jelly, yogurt,  cereal, poptarts, grits or donuts at least for Monday and Tuesday. . Zach has been grabbing applesauce or canned fruit for breakfast as well.  Sunday morning- Breakfast Omelet

Lunch- For some odd reason, we have one Lunchable left in the fridge but no one wanted it this week. Lunches were all planned and mostly packed on Sunday. Our lunches include homemade chicken dunks, tomato, ranch and cheese, sandwiches one day, and a “grab day” which means crackers for most. I am going to take leftovers and Matt is eating these as well.

Dinner–Things are going really well with me arriving at home  for dinner most nights of the week.

Saturday- Lunch: McDonalds (profits from yard sale) .   Dinner- Hamburger Helper (we had the meat left from Thursday, we ended up eating our leftovers from Olive Garden).

Sunday- Lunch- My parents   Dinner-Pepper Steak using fresh peppers!

Monday- Rice Creola
Tuesday- Tomato Soup and Tomato/Basil Drop Biscuits
Wednesday-Salisbury steak, rice, green beans and fruit.
Thursday-  Coconut Shrimp
Friday- Chicken Broccoli Casserole

It just occurred to me that we are have rice three times this week. Matt loves it so I don’t think he will mind.

September Goal Update

1.  Full Fund the budget each month.  I was able to complete this by using $400 of our grocery budget.!

2. Emergency Fund to $2000.   Added $100 this week.

. 3. Groceries: Reduce Grocery spending to $300 for the month. Currently, I have spent $274 for the month. I have the remaining $26 plus a $5 refund from Target in cash. I am excited because I have purchased 80# of chicken, 90 rolls of toilet paper and this list, all this month!  I will admit that the last 2.5 weeks of the month will be challenging but I am setting myself up to succeed.

4. Gas: Spend $400 a month .  Total spent this  month is $304.11. We decided to go ahead and complete some preventive work on Matt’s van this month, our goal is to extend the life of the van till my current van is paid off. I was able to find gas for $1.99 a gallon so I am very hopefully that we are able to stay within the budget for the month.

5. Eating out- Reduce/Eliminate Eating out for the month of September. $80 for the month including the purchase of 2 meals during my recent trip.

Disney- Pay at least $375 toward our Disney trip to maximize Disney points prior to November. This week I paid an additional $100 toward our Disney trip so total for the month so far is $200!  I do have a yard sale planned for next Saturday, all proceeds will go toward meeting this goal!

Extra Goals:
1.  Plan to purchase both Lily and Amanda birthday cards.  Completed! 

As you can see, for the month I am really on track financially. I want to make sure that I stay accountable for the next two and half weeks, they will be the most difficulty. I am also very excited that we have been able to turn off the air conditioning for the last 24 hours. My goal is to get at least 7 days of no heat or air this month to reduce our electric bill to under $250.