Labor Day Project

The project for today was to finishing “reclaiming” the old deck wood at the edge of our yard, check out more of the story here.

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Our square foot garden did not produce the corn we had hoped for this year and one of the reasons that we think may have been part of the problem was the amount of “shade” our bed was getting. So a perfect use of this wood was to make a separate “corn” bed in direct sunlight with no shade. Next up I really wanted to add a second layer to the beds we had previously built and ran out of wood. Matt and I spent all morning working on building the box, then after yet another trip to Lowes, it is finished. I am really pleased with the results and officially declare the square foot garden finished!

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You can see how the shade is covering parts of the garden in the above pictures.
I did go ahead and purchase an additional 8 bags of dirt that I will use once we have harvested all the pepper, lettuce, cabbage, and tomatoes to make sure we have a good soil base. The dirt was on sale for half price at Lowes so I wanted to make sure I had enough. I also decided to purchase some mums to help with my fall flowers as well.  I hope they will live a nice long time as it does not appear to be “fall” anywhere in the near future according to our weather forecast.

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Saving on Saturday 9/5

As I mentioned in this post, I am planning to make the next couple of months, low spend/no spend months. That does create a small problem with one of my favorite things to post, Saving on Saturday. The reason, if I am not spending then how can I really be saving. So at least for a couple of times I am going to use this day to discuss my budget and my progress toward goals. My intention is to give concrete steps that I am taking to meet each goal. So for today an update on September Goals.

1. Reduce Grocery spending to $300 for the month. So far I have spent nothing on groceries for the first 5 days of the month. I did go to the building this morning to “shopping” during menu planning. I am so excited to find the meat and other items to make no shopping easier.  I also have already checked the CVS ad starting on Sunday and will not be making a trip this week.  This is a tough decision but I don’t need anything and with no free items why be tempted.

2. When I looked at my September budget, I have 4 categories that are not completely funded for the month so the remaining $400 of the normal grocery budget will be used to completely fund the budget. This should actually occur next weekend after I receive my first paycheck of the month.

3  Plan to purchase both Lily and Amanda birthday cards.  Completed!  Amanda will  not be getting gift card, instead she needs some items for college.

4. Pay at least $375 toward our Disney trip to maximize Disney points prior to November. Paid $100 toward the trip this week! I did use my Disney card to purchase the gift cards for the kids spending money so I am excited to see where my reward dollars are in a couple of days.

5. Maintain Gas budget at or below $400. We have had to purchase gas in both vans but still less than $100 so far.

6. Reduce/Eliminate Eating out for the month of September. So far we have spent $60 for Zach’s birthday meal and donuts for his class. I do have a meal planned for tomorrow in addition to most of the meals planned for the week. This should definitely help us stay on track.

I have also placed one item, toddler bed on a yard sale site and plan to clean my closet out this week to have a good start! My goal is to place all money earned toward our Disney trip as the other items in our budget are currently funded!

August In Review

I am posting this a day early but hey at least it is posted.

Blogging:  Goal: 14 per month This is actually post 20! I may or may not post tomorrow but I am very pleased with the way I am starting to keep up with posting on a regular basis.  Goal MET!

Weight: Goal:  Met and maintain weight of 175. This goal will be considered met each month that weight loss is achieved and once this weight is achieved, each month maintained is considered achieved.  Struggling still.. I have in the last week added back in regular exercise so I hope that will make a difference.

Spiritual-  Goal. I want to spend time reading and or studying the Bible at least 5 days a week for the year.  I am going to consider this Goal MET! I have been struggling over the summer to find time to read but with school back in session, it appears to be getting easier and I am trying to make a priority otherwise.

Financial Goals-
1.  Full Fund the budget each month.  
I am excited to post GOAL MET! Our savings both emergency and yearly is starting to look regular.

2. Emergency Fund to $2000.  Met. Added $100!  Goal met 3 months in a row!

. 3. Groceries: Spend $700 a month .Total Fail.  Again I am struggling in this area. I am currently $185.72 over for the month. We actually spent less this month than the several month but still we are way over again.

4. Gas: Spend $400 a month .  Fail again. I am actually only over by less than $50 this month so I have made some improvement but still not enough. September is without need for tags or title or insurance and with gas prices continuing to decease I am hoping to stay in budget!

5. Eating out- tracking purposes only $381. Again a decrease from previous months.

Disney- Failed!  But I have plans to change this!

August was not a total fail or a total success for anything. I do have plans for at least September to help adjust our budgets. I will post more later on the “goal” and the rationale as to why I think September should demonstrate good progress with all my goals.

Menu Planning Monday

Menu planning is usually not all that difficulty at my house. The main reason for this is that we are always trying to make and package items that make life simpler and easier to survive. For example, when we buy hamburger, part of it is cooked and frozen in 1 pound containers, these can be used for spaghetti, chill or even hamburger helper. This past weekend, I have been focusing on cooking ahead. Breakfast items have been made and place in the fridge for easy quick mornings. I made “Breakfast Burrito filling” on Saturday morning and a large container of baked oatmeal on Sunday. We cooked up several bags of dried beans because they are so much healthier and cheaper than canned beans. On Sunday, we picked 2 gallons of ripe muscadines.  I made a batch of jelly, frozen 8 cups of whole muscadine and made a second “starter” for more jelly. Sometimes by spreading the extra work out it makes it easier and we definitely eat better and spend less.

Now on to the menu plan

Breakfast-Breakfast burritos, baked oatmeal, French toast, toast with new jelly, cereal, poptarts or grits.

Lunch- The kids will be taking Lunchables everyday, I will take leftovers Monday, Wednesday and Friday with a sandwich on Tuesday. Matt will be eating from the fridge or sandwich every day.

Dinner– I am trying to stick to my goal of leaving work by 5:30 daily so I can eat with the family most nights.

Saturday- Lunch: Coconut shrimp and grilled pineapple.   Dinner- Chicken Enchiladas

Sunday- Lunch- with my parents.  Dinner-out of the fridge.

Monday- Spaghetti with meatballs and garlic bread.
Tuesday- Grilled Chicken salad
Wednesday-Pulled pork, green beans and fruit
Thursday-  Sonic corn dogs ($0.50 each)
Friday- Cowboy beans and cucumber relish from the freezer.

Saving on Saturday- Vacation

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I really do enjoy travelling and especially enjoyed our vacation this year if you could not tell by all the pictures. One reason, that I was able to enjoy our vacation this year is because of the fact that we actually spent overall less on a week at the beach than we have spent on a long weekend trip. So today, I am going to share some tips that I used this year to not only save money but also to make this trip so enjoyable.

The first and most important tip is PLAN AHEAD!.  I booked our condo in January this year in order to get the specific week that I wanted for the rate we could easily afford. But I actually started buying for the trip back in November 2014. CVS usually runs some awesome Black Friday sales, starting the Sunday before Thanksgiving, for the past several years these have included laundry detergent for free after ECB.  I am pretty brand loyal, but in this case, I carried the free laundry detergent home and placed in a plastic container. During our beach trip, we typically come in from the beach and toss all suits and towels in the wash. My thoughts are free is good enough as long as it helps to remove the sand. Other items that I find on good deals (usually $0.75 or less) include hand soap, toilet paper, dishwasher tablet and dishwashing liquid.

The next way that I plan ahead for our vacation is meal planning. I know there are a few meals that the entire family loves and so if I am making one of these I will just make two and place the second in the deep freezer to take to the beach. Our plan ahead meals this year included baked ziti, chicken and broccoli casserole and gravy biscuits. If I find a good deal on a special snack food that we like I will also go ahead and purchase that as well. This year these items included goldfish crackers, Oreos and  Kit Kat Minis.  I also do the same with paper plates, cups and silverware. The condo does have a dishwasher but I prefer the paper for the convenience.

Another way that we save money is by saving and reusing certain items year after year.  I have a 20 year collection of sand toys that I store in a large bag in our building. Each year we take it with us to the beach. Some years we come back with less sand toys as if they break they are thrown away at the beach. We also have purchased a beach cart, umbrella and several chairs that are specifically for beach use. It may seem like a lot of trouble to carry these items back and forth but in the big picture it continues to save us money as we don’t purchase new items unless they are needed.

A finally way that we save money on vacation is by increasing the temperature of our house to 82* and turning off/unplugging anything possible. Our electric bill dropped by $30 this month in comparison to last month with the only difference being our vacation week. We also saw a $5 decrease in our water bill which is a direct result of less laundry.

How have you been saving money this week?

Random Tuesday Thoughts

  • We have been home from vacation for 2 days and are about 1/2 the way unpacked. Goal- Be completely unpacked by Saturday.
  • I am going to be changing/hopefully reducing my work schedule over the next month to make things a little bit easier around here in the evenings. My goal until the changes officially take place and for the whole school year is to be leaving work by 5:30. So far I have been home 2 days in a row. Go me!
  • During my extended lunch break today, we headed to Winston to Vision Works to order both Zach and Kendall new glasses. The lesson we learned is that glasses for the little kids need to have nose pieces to keep them from sliding off their face. I did use a coupon surprised? We were able to purchase 2 pair of glasses with transitional lens plus a very nice contact lens case for Lily to take to school for $200.
  • I am planning to attend a continuing education class in September, it will be the first time in 10 years I have stayed by myself in a hotel room. I think I am a little too excited!
  • Disney planning is in full swing as soon as we finish unpacking from the Beach.
  • As part of getting ready to go back to school, I had the kids try on and get rid of any shoes that were too small or that they did not like. Kendall is upset because now she is left with only 22 pairs of shoes.
  • Lily has cheerleading every night this week and man is it rough trying to get everyone back on a school schedule. Zach will start Kindergarten and we are trying to eliminate naps up front so the evening have been full of attitude. Tonight was at least better than last night. Zach made it to his “normal” 7:30 bedtime. Last night he was in bed at 6:50.
  • Amanda has started college and so far I am very proud of the hours she is putting in to be successful!
  • We are on budget so far for the month in both groceries and gas. I am so proud of this especially because of the massive Costco trip we made on Sunday in addition to the purchase of school supplies today.
  • Blogging is always better at the beach, I guess the smell of the ocean makes my thoughts come easier!

 

Saving on Saturday August 8th

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These are the items that I was able to purchase last week at CVS. My favorite deal was purchasing 2 boxes of cereal, 2 shampoos and a bottle of hand soap for $0.40. The reason this was possible was that I received an “extra” 5 ECB for reaching $50 in beauty care spending. I used that in conjunction with the 5 ECB for purchasing $20 in P&G products from last week.  When you combine all the transactions 5 in total I spent around $8 and saved 81%.  The sharpies are going to finish up Zach birthday gift (autograph books for Disney). All the other items when in my beach stock.(More details on these hopefully later in the week.

I made several additional shopping trips this week to grab up “Lunchables” which we will use at the beach for lunches and for easy school lunches to get us back in the swing in a couple of weeks.  My best grocery deal this week came at Food Lion. I had to make a shopping trip to purchase baby food to use at work, I did use a $1.50 coupon that printed at the machine, At the end of the transaction, the regrister also printed a $3.00 catalina. I used this to purchase bread flour for $.25.

I have also started to play around and use the ibotta and checkout 51 apps. So far that have been fairly simple to use and I am not purchasing items that are not already on my list, so ever little bit helps. This week alone I earned $0.75 at Checkout 51 and 5.35 at Ibbota,

What have you been doing to save money?

Saving on Saturday-August 1st

sosTarget is one of my favorite stores to shop. I love combining sales and other special deals. This week was an awesome week to stock up on drinks and purchase jeans. I actually received a text message from Target asking me to combine a sale with a 35% off cartwheel of sodas.. I was able to purchase 4 12 packs of Diet Coke, 1- 12 pack of Coke and 8 bottles of Diet Coke for $13.00 or $2.16 each. These will come in hand on our upcoming  Beach trip. Matt requested we grab some “Crystal Lite” packs as well. They were also on sale. Prior to making the trip, I ordered 105 K-cups, they were on sale at Buy Two, Get one Free with an additional 10% off for store pick up, the individual cost of $0.33 each. The final great deal at Target was jeans for both girls, on sale for $10 with an additional 5% using my Target card, which is connect to my regular account.

Shopping is not the only way that I am saving money this week. We are planning our annual trip to the Beach next week. In the past, we have been able to stock up on “Lunchables” to use most days on the beach. This has not been the case so far this year. I have decided that it would make the most sense to make a huge batch of sour dough rolls next week, bake and use these as our ‘sandwich bread” Today, my goal is to make egg salad, and chicken salad to use for these meals. I will also be make a big bowl of pasta salad to take as our meal to the pool this afternoon.

Menu planning and working out  a laundry schedule for the week to maximize the use of our clothes line should round out the day.

 

July in Review

Blogging:  Goal: 14 per month Been a crazy month and I don’t even feel like going back and making one more post for the month.

Weight: Goal:  Met and maintain weight of 175. This goal will be considered met each month that weight loss is achieved and once this weight is achieved, each month maintained is considered achieved.  No regular exercise…. got to get back in a routine.

Spiritual-  Goal. I want to spend time reading and or studying the Bible at least 5 days a week for the year. Fail fail fail.

Financial Goals-
1.  Full Fund the budget each month.  
I can imagine that this may seem strange to some people but I set my budget based on what I need each month to cover all expected bills with extra savings going into various counts for non monthly bills. Some money are much easier than others. For example July was a crazy spending month, however with extra monies coming in from the refinancing of the house we were still able to be totally over budget but everything paid and future expenses saved for.  Goal met!

2. Emergency Fund to $2000.  Met. Added $100!  Goal met 2 months in a row!

. 3. Groceries: Spend $700 a month .Total Fail.  We started the month with a trip to Shuler meats. In addition, we have had to purchase several items such as toilet paper due to running out. Total spent in July 934.12

4. Gas: Spend $400 a month .  This is a huge FAIL!  Because of the wired state of NC, I paid sales tax on the new van when I purchased but also had to pay property tax in order to receive the permanent tag. The car also required an oil change which made me $110 over budget for the month of July.

5. Eating out- tracking purposes only $465

Disney- Goal Met! We have now paid for over half of our Disney trip!

July was intended to be our “budget reset’ month. It also ended up a very expensive and crazy busy month as well. I am so glad to look forward to our Beach trip in August for the life reset I need. Then watch out it is full steam ahead to Disney

Saving on Sunday

sosOpps!  You are right today is Sunday. I did not get much saving done yesterday because we spent most of the day enjoying the pool.  Kendall had a friend in addition to Lily having a friend spend the night so I got not a lot accomplished except for spending time with the kids. I am starting to realize and trying to enjoy more time just hanging out with the little kids, I know in a flash they will be too busy to hang out! Now back to saving. I did do some shopping today, even with all three little kids in tow. Matt is working for cheerleading so I decided the sales were good enough and we needed most items.

First stop today was CVS. It has been 3 weeks since I last went to CVS, I hope they will not be having another test market of no sales ad in the near future. Today I purchased 7 bottles of shampoo, a bottle of detangle, 2 bottles of Tide free and clear, 4 bottles of body wash,2 sticks of deodorant and a battery powered toothbrush for $36 with a 65% saving, I also have 10 ECB to use in the future.

We also stopped by Aldi to grab fresh produce including cantaloupe, watermelon, grapes and cottage cheese that I need for a recipe. Total spent at Aldi was 18.47

We are continuing to get lots of tomatoes from the garden. I have managed to replenish the shelf of stewed tomatoes and discovered an awesome recipe for spaghetti sauce. I adapted it to the crockpot and hopefully will make at least a batch a week for the month of August. Currently, I am freezing in containers to make Baked Ziti with. My plan is to make 12 of these  and then just freeze spaghetti sauce, even the kids say this is the best sauce they have eaten.

How did you save this month?