Quiet Christmas Budget

I have finally managed to do it! This year, I successfully reduced both the number of gifts and the amount of money that we spent on Christmas. The result has been even better than I anticipated! We have spent the entire Christmas day, enjoying some quiet time and new activities. The kids are not fighting and even more surprising is the fact that I have not heard one single time “I’m bored or Is this all we are getting for Christmas.”

The big girls got 6 presents under the tree!

The little kids got 5 gifts under the tree and one big gift from Santa

Five Things Friday

  1. We have enjoyed two entirely free meal out this week. On Thursday, we used the gift card that was earned and planned for Halloween combined with IHOP customer appreciation to feed our entire family for the cost of the tip! Friday night is always a hetic night with piano. Matt used another gift card earned via Swagbucks to pick up three large pizzas! We have already enjoyed one pizza and left-overs will be for lunch on Saturday and Sunday!
  2. Kendall is growing. I realized this week that she had only 2 pair of pants that were actually long enough for her. We decided to go to Old Navy to try and find her some pants. We actually found what they call “Ballerina” style pants that fit both length and her waist. We grabbed 4 pair along with 2 pair of boots for her. Lily ended up with a sweater, Zach and Braxton have matching Christmas shirts, I got a dress and Braxton has several new church outfits to wear. Total spent $225!
  3. I knew that I was going to be way over budget this month for Groceries. In fact I am at $882 for the month with a goal of staying under $950. I was a bit concerned until I read this :
    “According to the USDA monthly report for October 2019, the average couple spends $617 per month on groceries alone.
    A family of four with young kids on the Moderate-Cost plan spends $894.40 a month on groceries. Families with older kids spend $1067.50. ”
    Matt and I both are working and make it work with an additional 20 or more hours of paid work each week. Our budget is really enjoying the boast and I am very comfortable with setting and achieving budget related goals for the next year. I am planning to share our new updated budget toward the end of December after a second month (December) to tweak it. I also am anticipating that I will have to only purchase one Christmas present in the month of December along with a birthday present for my mother!
  4. The car that we are driving has significantly reduced our gas spending. Currently, we have spend $268.23 in gas. Because we will be at home more next week, I would guess that we will stay under $300 in gas this month. I can not honestly tell you the last time this happened!
  5. I am anticipating a three day work week next week. Sunday night in Guam. Monday and Tuesday at Davie County. Followed by a four day total vacation! I am excited not only for the break but to finish out our budget for November really strong.

Tuesday Thoughts

We are starting to see an end to our busy fall season, ok so not an end but a slowing down of after school activities. In three weekends, Lily will perform in the show Elf. Zach’s last scheduled baseball game is next Tuesday night. I do anticipate one or two night of a tournament the first few weeks of November. Kendall has her homecoming and last football game, she will cheer at this Saturday. I think that basketball season starts the first of December.

We dug up over 20 pounds of sweet potatoes on Saturday from our square foot garden. We also pulled several pimentos, jalapenos and green peppers. This is a sad time of year because I do not like the cold weather.

On a bright note with the cooler weather, our electric bill for the month was down by $60!

Grocery shopping this month has consisted of two categories, items we are out of and need for a specific reason and items of clearance. Our total spending for the month is $176. This amount includes 10 cases of drinks! I don’t anticipate a lot more spending during the next week and half. I do have a stock up trip planned for Costco the first week of November.

I have begun anticipating and counting the days until my first day off of work in three months!! However, this may occur sooner because today, Kendall stayed home from school. If she is unable to return to school tomorrow then I will be staying at home as well to take her to the doctor.

Everyone in the house is anticipating this Friday. Matt should receive his first paycheck from his new job and a paycheck from the Humane Society. I have spent several hours working out details but we should be set on a good course starting this Friday! I do anticipate a budget redo starting in January. I wanted to give us a couple of months to adjust and make plans before making any major changes. I am planning to going back to a more cash based system with use of envelopes and our Capital one account in order to keep a better track of our spending

Tuesday Thoughts

I am so excited that I get to spent 3 complete evenings at home this week! We have no football game(cheerleading) or cheer practice this week and only one baseball game. I am planning to get some extra cleaning done around the house as the things has gotten dirty and overlooked during the past couple of weeks.

We are hopefully that we have finally fixed the leaky shower problem. Matt re-caulked the shower pan on Saturday and I am planning to start using it again today. We have already purchased the tile to finish this project but need to find several hours in which we can spending working on it. We may be able to spend some time on the project on Saturday but that depends heavily on the weather as well.

North Carolina is finally experiencing some cooler temperatures. I finally turned off the air on October 3rd. This is very late for us as we usually can get a good week or so with no air in September. I am hopefully that we can at least keep the air and heat off for most of the month of October but we it can depend heavily on when the first freeze of the year is.

Matt loves his new job. The first week was a challenge especially with our crazy busy schedule. I am hopefully that we will be able to get into a good routine that will allow him to work his second job at least 3 evening a week so that we can have some time to work on projects around here on the weekends.

I have spent a total of $47 on groceries so far this month! I am super excited about this and hope to continue this streak for most of the month. I am making a Costco list and am holding out hope that the quarter back sale will appear at Food Lion soon!