July in Review

July was a very busy month that included lots of first for us.  We spent a week at Ocean Lakes Campground in Myrtle Beach, had the county swim championship, baseball camp, football practice and celebrated E’s birthday!  August is just as busy and adventurous  as I will be out of town for half the month and then start back to work on the 17th! This summer has been an adventure to say the least!  I have enjoyed most of it but as always it was too quick!  One big change this year is I will not be participating in the Every Bit counts challenge in August. I have however been working on getting our food storage up to the level that I needed for the school year. One small hiccup was that one of our deep freezers stopped working. It is now going to be a storage place for chicken food and bedding.

Groceries- Goal $800 per month.  We spent $1275.26 for the month of July. I am not surprised at this as we have been enjoying special treats aka lots of ice cream and working on getting food prepared ahead.

Gas- Goal is $400.  Total spent was $552.61 for gas  this month. This included taking both vehicles to the beach so I am not surprised.

Blogging-The goal will be 15 posts per month.  This is post 11 for me. This is always a struggle when we are out of town.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest. The first large payment has been made!   The second large payment is due mid September!   I have been able to find some lost money this summer so that has been useful as we continue to focus on enjoying life and working on financial stability at the same time.

No Spend Days- Goal for 10 no spend days a month. Not even going to suggest that I have a clue about this. Nope not even on the clue on this one as we are in the summer and enjoying it! This will become more of a focus once we are back into a regular routine.

Health/Exercise-I am no hanging out between 171 and 175.  I was finally able to get a shot in my knee but am faced with the reality that I need to have a knee replacement in the future probably less than 5 years.  I was able to reduce my blood pressure medicine this summer.  Slow and steady is usually a good thing.

Foster Care- Matt and I completed everything needed for our application on March 31, the actual application was not submitted until May 5 or 6th as of last Wednesday May 27th, we have been approved as licensed foster parents in the state of North Carolina. We began receiving our stipend mid July. Unfortunately this will again be reduced to help cover after school care for the school year.  I am so frustrated but what can I do?  Our next court date is set for October 20th. This will be a very interesting court date as things should actually change officially during this time.

I am going to include my weekly update of Summer Goals here as well. It just makes sense. Opps as I read this I realized that I have not been keeping up with the weekly update. This is where we stand at the end of July.

1. Make and order 8 photo books. We have received 2 books. I have uploaded pictures on multiple occasions and had really intended on doing a third book today but I am exhausted so I doubt that happens.
2.  Read a total of 8 books. I have finished five books this summer!  Not perfect but better than 1.
3. Make and freeze 12 baked ziti’s- Goal Met! July 2026
4. Make and freeze 6 million dollar spaghetti pies  This has been very limited so far. I have added 10 jars of spaghetti sauce to the pantry. I doubt this is going to happen.
5. Make and freeze 6 pans of chicken enchiladas. Goal met 6/19/2026.
6. Either walk or exercise 3 times a week for at least 8 weeks. This has been significantly limited due to knee pain.
7. Make and freeze 6 taco pastas.   goal met 6/19/2026
8. Make and freeze 6 chicken, broccoli rice casseroles. 6/19/2026
9. Make at least 50 meatballs and freeze.  I did not get around to the meatball however I currently have 78 prepared meals in the freezer or canning pantry in addition to the 10 jars of spaghetti sauce that is canned!

June In Review

June was a month, probably one of the busiest months this year if not ever.  June included 2 weekend trips to Disney, one just Matt and I.  We have had 3 cars for repair work.  Three full swim meets and lots of swim practices. Lily is working an internship at Egger with Matt, Kendall and Zach both are working at the pool and coaching swim team.  I have been trying to catch up with my life and to get things organized. Things are busy but we are going to enjoy as much summer as possible!

Groceries- Goal $800 per month.  We spent $1095.93 for the month of June.  I will “justify” this with I purchased multiple items on sale from Amazon to be used for several months.

Gas- Goal is $400.  Total spent was $479.30 for gas  this month. This included to trips back and forth to Disney World this month. I am actually amazed it stayed so low.  As i mentioned above cars have been a major issue this month. Fortunately, our car repairs have been covered under warrantees or recalls.

Blogging-The goal will be 15 posts per month.  This is post 11 for me. But with all of our happenings and trips this is a win!

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest. The first large payment has been made!   I also have made a debt snowball list that I want to start tackling after the Home Depot payment is made in September. We also are spending significant time on trips this summer as well as we need to install a new electric line to run the camper on.

No Spend Days- Goal for 10 no spend days a month. Not even going to suggest that I have a clue about this. I will try very hard to keep up with this! Did not happen at all this month. I did however do an entire trip on cash so that is a plus

Health/Exercise-I am no hanging out between 171 and 175.  This is unchanged but we will see at the end of the summer. I do have an appointment for getting a shot in my knee.

Foster Care- Matt and I completed everything needed for our application on March 31, the actual application was not submitted until May 5 or 6th as of last Wednesday May 27th, we have been approved as licensed foster parents in the state of North Carolina. Unfortunately we did not receive our June stipend nor have we received a  portion of the May stipend.  Foster care is honestly the hardest thing I have ever done.  I knew what E would need but I had not a clue about the other half of my life that involves paperwork and phone calls and the constant questions are we doing the best things and why does this have to be so hard.

I am going to include my weekly update of Summer Goals here as well. It just makes sense.

1. Make and order 8 photo books. I have placed the order for 2 of the books today. I am going to plan to work again on these this week. It is a long and delicate process. 

2.  Read a total of 8 books. I have finished one book!  slow but progress is progress
3. Make and freeze 12 baked ziti’s
4. Make and freeze 6 million dollar spaghetti pies
5. Make and freeze 6 pans of chicken enchiladas. Goal met 6/19/2026.
6. Either walk or exercise 3 times a week for at least 8 weeks. Walking at Disney is always considered exercise! 
7. Make and freeze 6 taco pastas.   goal met 6/19/2026
8. Make and freeze 6 chicken, broccoli rice casseroles. 6/19/2026
9. Make at least 50 meatballs and freeze.  I have not made any progress this week with making food ahead. I did pull out Canadian bacon to make and freeze some egg cups this week. 

May In Review

May has been a super busy and exciting month! I am exhausted! Kendall graduated on Friday night!  Zach is officially a junior and I have four days left of this school year!  I will include a copy of my summer goals at the end of this blog post simply because it will make it easier for me to stay accountable.

Groceries- Goal $800 per month.  We spent $653.50  for the month of May.  This is a huge accomplishment!  I am hoping to stay at or below budget for all three months this summer as this will allow me to restock without spending a fortunate.

Gas- Goal is $400.  Total spent was $492.54 for gas  this month. Gas prices are currently the highest they have EVER been. We have seen the price drop below $4. a gallon in the last four days. I hope this is a trend that will continue.

Blogging-The goal will be 15 posts per month.  I am really proud of this number and feel like I have finally found a new routine that works for me.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest.  We have several months with large credit card payments now thur September. I am working on paying this off and not adding to our overall debit.  I will be sharing how things are going at the end of the summer. I will be making the first huge payment on this card the first week in June.  I am even more optimistic at this point that we can do this!

No Spend Days- Goal for 10 no spend days a month. Not even going to suggest that I have a clue about this. I will try very hard to keep up with this!

Health/Exercise-I am no hanging out between 171 and 175.  Still here, still the same. I have a doctors appointment and am going to ask about increasing my dosage as well as stopping a prescription medicine.  I have not needed a shot in my knee in over a year! This is a huge accomplishment!

Foster Care- Matt and I completed everything needed for our application on March 31, the actual application was not submitted until May 5 or 6th as of last Wednesday May 27th, we have been approved as licensed foster parents in the state of North Carolina.

Summer Goals

1. Make and order 8 photo books.
2.  Read a total of 8 books.
3. Make and freeze 12 baked ziti’s
4. Make and freeze 6 million dollar spaghetti pies
5. Make and freeze 6 pans of chicken enchiladas.
6. Either walk or exercise 3 times a week for at least 8 weeks
7. Make and freeze 6 taco pastas
8. Make and freeze 6 chicken, broccoli rice casseroles.
9. Make at least 50 meatballs and freeze

April in Review

April was a whirlwind month. We definitely enjoyed our Spring Break trip, the cruise and the couple of days of Disney.  As we approach the end of the year, things are very busy! May is going to be exciting and busy.  The focus of this month is making it to end of the year and preparing for summer.

Groceries- Goal $800 per month.  We spent $1161.27  for the month of April.  We have been able to put three gallons of strawberries in the freezer. We also made a major chicken purchase which was a first in several years.

Gas- Goal is $400.  Total spent was $456.74 for gas at home this month. Our trip was $221.53.  Gas prices continue to increase in fact, I will be paying over $4 a gallon on my next fill up. We also will have to buy gas for the mower.

Blogging-The goal will be 11 posts per month.  I am actually really proud to say that this is post 10 for the month. With our vacation and busy baseball season this is actually a huge win.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest.  We have several months with large credit card payments now thur September. I am working on paying this off and not adding to our overall debit.  I will be sharing how things are going at the end of the summer.

No Spend Days- Goal for 10 no spend days a month. Not even going to suggest that I have a clue about this.

Health/Exercise-I am no hanging out between 171 and 175.  Still here, still the same.

Foster Care- We actually completed all of our portion of the licensure process before March 31,  as of today our licensure paperwork is suppose to be submitted.  We also had a court date this month. I did have to speak but am glad to report that visit have been reduced to every other week.  We will not have another court date until July. We are moving forward with plans to continue as long as God has planned. This summer is going to be fun and busy.

March in Review

March has been a strange month. We are settling into a new routine but everything is still a bit hectic and crazy.  Mondays are the hardest!  I am hopeful that by the end of April things will be more stable and we can enjoy May and the summer.  The weather continues to be bizarre at best and crazy at least.  To end the month, we collectively decided to share a cold. I am on the end with just a cough and runny nose, Lily and Matt are starting.  April will bring lots of new adventures and hopefully just as many if not more memories!

Groceries- Goal $800 per month.  We spent $628.20  for the month of March.  This is a huge win for me. We actually cleaned out and turned off the old chest freezer. I also have this week brought the prepared meals in the house. I am very hopefully to stretch our meat and budget until June when we will start the process of restocking.  I am also looking forward to the end of April for strawberry season!   Part of cleaning out the freezer was taking our remaining 3 gallon bags of strawberries that somehow became a block of red and turning into strawberry jam.

Gas- Goal is $400.  Total spent was $562.03 Gas prices have significantly increased due to military operations in Iran. The current price of gas varies between 3.59 and 4.00.  I have provided a tank of gas for Kendall this month as well as two tanks in the white civic. Zach is currently driving the white civic so Matt is still driving the Tahoe to work as well.  I do not see gas prices decreasing in the near future so this is also a category that may need to be increased in June.

Blogging-The goal will be 11 posts per month.  This is actually post number 13 for the month! I am going to count this as a HUGE win!   Things are starting to settle down and I am finally feeling like I can juggle a couple of things at a time.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest.  This is due in September and is a total of $3380.30   We have been able to completely pay off the new HVAC system. We are working to find the extra money for the Home Depot card. Same  for this month. Kendall wants to pay off her car loan by September which would be HUGE and there is a strong possibility that Zach is going to purchase the white car from us which will add that money back in the budget.

No Spend Days- Goal for 10 no spend days a month. This has again been the last thing on mind this month. I have written down 1 for the month of March. I seriously doubt that April is much better!

Health/Exercise-I am no hanging out between 171 and 175.  Exercise would be nice but still have not found the time for that one.

February In Review

Adapting and settling in are the words that I would use to describe February. Things are not as crazy as they have been and I feel like we are finally starting to figure out what works and even what to expect from different things/changes.  This was an expensive month however as I review back it typically is so nothing new there. We were able to end the month with a zero balance so that is a good first step.  The month of March will drag on forever as we are heading on our cruise the first week of April.  Here’s to a long slow month!

Groceries- Goal $800 per month.  We spent $1429.29 for the month of February. I want to keep this budget until June, however there is a strong possibility that I will need to add to this budget at least until E is settled and eats more like we normally do.

Gas- Goal is $400.  Total spent was $399.16  It is a 74 mile round trip to pick up E from school each day and I am sharing most of the responsibility of this which includes providing a tank of gas for both Kendall and Zach this month. Zach has picked up furniture I purchased and also uses his truck to pick up chicken feed.  We also have not been able to get the little Civic running. Which should help to reduce our overall gas bill as well.

Blogging-The goal will be 5 posts per month.  Things are hard to juggle and I still have not figured out how to get my rhythm and include blogging.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest.  This is due in September and is a total of $3380.30   We have been able to completely pay off the new HVAC system. We are working to find the extra money for the Home Depot card.

No Spend Days- Goal for 10 no spend days a month. This has again been the last thing on mind this month. This was an awesome goal but I am not sure if it is realistic or not.

Health/Exercise- I am maintaining at 179.  My goal for 2026 will be to add some form of exercise 8 times a month. I don’t have time to keep my life together enough to know the day of the week. Yea this may be one of the goals that gets dropped due to our life upgrade.

January In Review

How things can change in just a moment. That has been the lesson of January 2026.  When I wrote these goals, I had no clue or even thought that we would be foster parents to a 6 year old in 2026 especially in January 2026. I am not sure how this will affect my goals and will have to explore and adjust as needed.

Groceries- Goal $800 per month.  We spent $501.09 for the month of January. My goal will stay the same however this may be a stretch when adding an additional person to feed in the budget. The biggest problem will be that E is very limited in his diet and we may have to buy some different items just to survive.

Gas- Goal is $400.  Total spent was $381.46.  One way that we are going to work toward maintaining this is we did purchase a car for Matt to drive to and from work.  I would like to reduce this to $300 in order to make up for the cost of purchasing the car.

Blogging-The goal will be 11 posts per month. This is post number 12 for the month! I am excited to be able to reach this month with all the sudden changes and lots of scheduling issues.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest.  This is due in September and is a total of $3380.30    We had to finish paying off the new HVAC system that was installed in December.

No Spend Days- Goal for 10 no spend days a month. I totally forgot about this goal. Our lives have felt like we are running at full speed ahead and I am just holding on for the ride right now.

Health/Exercise- I am maintaining at 179.  My goal for 2026 will be to add some form of exercise 8 times a month. Yea that is a good goal… don’t think at this point it is realistic but I want to give it another month just to be sure.

Monday Menu Planning

We again have two swim meets which makes things a little different for us this week. You will notice that we are continuing to use up left-overs and I have been able to move around some of my pantry. I am happy to report that I have been able to clean out the laundry room and actually made up 12 bags of dry ingredients for baked oatmeal. I think I am back on track and will actually be able to move and turn off a freezer in probably two months. We are also starting to have a surplus of eggs so they will become more prominent in the next couple of months. Another change that is occurring is that our foster child is not a huge fan of anything other than chicken nuggets and potatoes..  We are attempting to balance his preference with need to increase nutrition and variety.

Breakfast- Saturday- Sausage link Dutch pancakes.  Sunday- grits and eggs  Monday-toast and gravy  Tuesday-Zucchini bread , Thursday- muffins  Wednesday, Friday– find it (oatmeal, omelets, cereal and milk, sausage, pop-tarts, and eggs)

Lunch- Saturday- Leftovers from Restaurants  Sunday-Time Square Pizza  .  Left-overs are always great for lunches. We are also taking some prepared soups for lunches as well.  Chicken nuggets in some form or fashion happen at least every other day for now.

Dinner- Saturday- Leftovers from home cooked food only. Sunday-  Dad’s Chicken Stew Monday- Tomato Soup and Grilled cheese  Tuesday- Left-overs and snacks before a swim meet.  Wednesday- Burrito bowls made with left-overs and canned foods.   Thursday-Spaghetti and Meatballs  Friday- Corn dogs and french fries.

2025 in Review/2026 Goals

2025 has been a year of change and adjustments.  The past few days have been spent playing card games and enjoying having everyone at the same place at the same time. I think this was the first time this has occurred this year.   I am planning to keep things simple this year.

Emergency Fund-  We did not met this goal this year. One of the largest expenses occurred just two weeks ago with the HVAC system.  I am going to be removing this goal for now. The focus this year will be to reduce debit and prepare for retirement and life after high school. Zach will graduate in 2 years so this time is fast approaching.

Groceries- Goal $820 per month.  This goal was met 5 out of 12 months. The total amount spent was $9596. Which gives us an average of $799.65 a month.  2026 goal is $800 a month which is a $20 reduction and we will work hard to stay below this especially with my plans for a pantry challenge in January and February.

Gas- Goal is $500.  This is probably the biggest success of the year. We meet this goal 10 of 12 months.  We spent a total of $4704.53 or $392 a month average. 2026 goal will be $400 a month, another reduction that should be beneficial for us.

Blogging- For 2025- the goal will be 10 posts per month. I was able to meet this goal for 10 of 12 months. This is a huge thing for me. I am going to set the goal for 2026 to 11 just to push myself.

Debit-   The goal for 2026 will be to pay off the Home Depot Credit card without interest.  This is due in September and is a total of $3380.30    I will be sharing some wins in this area hopefully on Saturday.

No Spend Days-  This is really hard for us but I am going to track to see if this will give me any insight as to my spending habits.  I will count any spending including gas and family spending as well as my personal spending.  I am going to make a goal for 10 no spend days a month.

Health/Exercise- I am maintaining at 179.  My goal for 2026 will be to add some form of exercise 8 times a month.

December In Review

December has flown by. We are ending the month at home with hopefully everyone (all 5 kids) at home. This should be lots of fun!  I am planning to get up at least two post today both this month in review and a year in review post. I will get a post about goals and change in plans in the next couple of days.  I am working toward a more balanced approach.

Emergency Fund- Goal is $1000- $250. This goal was not meet. However the huge expense of a new HVAC system will be totally covered so that should count as something. We are ending the year at the same point we started $250.

Groceries- Goal $820 per month.  Goal not  met with $1272.39. This does included food for both of our big parties, the Christmas dinner party for 30 that was this past week and most of the food for the Super Bowl party that is the first weekend of September.  I am planning for a full on pantry challenge for the months of January and February.  Again I have planned to make a full post on this but we will see when that happens.

Gas- Goal is $500.  December total is $480.48.

Blogging- For 2025- the goal will be 10 posts per month. This is actually post number 13  for the month. Finally back on track.

Debit-  This post details most of the changes. The goal for 2026 will be to pay off the Home Depot Credit card without interest.  This will definitely be a stretch but I am going to work hard toward it.

Health/Exercise- I am maintaining at 179.  My goal for 2026 will be to add some form of exercise 2 times a month.

Reading through the Bible this year- Will read my final chapters today.