Saving on Saturday-7/16/2016

I have said many time that it is the little things that save money. So after realizing how far behind I am on blogging this month, I thought I would make a list of things we are doing this summer to get our budget back under control.

  1. Menu planning- We have switched to a month long plan. One of the best parts of this is that we can switch around days without having to worry about if we have certain ingredients or not. Our menu plan is based around the meat in our freezer’s at the first of the month. Fruit and veggie are most like what we have either in cans or fresh or as in today on sale.
  2. Not shopping- This one sounds so very simple and actually makes the most sense. I know that if I go to Costco, I can always find a good deal on snacks and cereal or other foods that we don’t usually buy. Sales are great but I realized in January that we needed to consume the great deals. I have been able to reduce our food budget by over $150 by simply not shopping. I have a list that can be added to if we run out of something and my goal is to shop Costco once a month. I also have been stopping at Aldi about every other week to grab things in smaller quantities or pick up fresh items. Yesterday, I grabbed 2 containers of blueberries along with some lettuce, poptarts and sausage.
  3. Planning ahead which really goes along with menu planning. We have a pool membership that we pay yearly and this year, we purchased season passes to the water park.  I have purchased chips and cookies and other convenience foods to take with us as treats. We will usually take either a pasta salad or wraps or sandwiches for lunch. I did some research on our last visit to the water park and the best deal was $25 for a pizza and 4 drinks. I spent $24 at Aldi yesterday and grab more than enough stuff to finish out 3 meals instead of one. The kids are enjoying our special treat such as a package of cookies and we are not breaking the bank.
  4. Not eating out. This by far is our biggest down fall. We enjoy eating out. At the beginning of our budget journey we would honest eat out 3-4 times a week. When our income was reduced to one, we have been slowly decreasing the times we eat out. I was so excited to find out that we have eaten out twice in July. Once for Kendall’s birthday with my parents and once yesterday.
  5. Stockpiling- When I do shop, you will find that I don’t shop like a normal person. I shop the deals and then stock up. It is not usually for me to purchase 10 2-liters at a time or 10 bottles of ketchup if the sale is the right one. I am finding that sales are becoming fewer this year but I am still able to shop with my price list.
  6. Wasting as little as possible- This week on Wednesday evening, I saw three very wipe bananas on the cabinet. I knew we needed to use these ASAP. I was able to make banana bread and top with strawberry jam for breakfast on Thursday. We also are trying to preserve as much of our garden harvest as possible. This week alone I have made 2 batches of spaghetti sauce and a batch of frozen cucumber relish. This does requires some flexibility with our menu planning but it seems to be working for us.

How are you saving money today?

5 Things Friday

5thingsfriday-logoRED

  1. We have survived our busiest week of the Summer!  Vacation Bible School everyday in addition to swim and piano. Matt is also working tonight and tomorrow so things are different to say the least.  One of the causalities of this week is this is only my 5 or 6th blog post for the month. I am hoping to get several post out this weekend to play catch up.
  2. I had two specific yes! answers to pray today. I am so thankful and excited!
  3. Our garden tomatoes are starting to come in, slowly but surely, I have made 2 batches of spaghetti and a couple of cans of tomato sauce.
  4. We purchased a new kitchen table and finally got it assembled yesterday!  It will seat 7 regular and up to 12 with the expandable end!
  5. Today is payday so I need to sit down and work on the budget today. I am excited that both our gas and grocery budget is below for the month. In addition we have only eaten out once this month!

Menu Plan for 7/11/2016

This is honestly one of the busiest weeks this summer. The kids and Matt have Vacation Bible School every day from 8-1pm, swim practice on Monday, Wednesday and Thursday, swim meet on Tuesday and swim dinner on Friday. On Friday, we also have piano and Matt is scheduled to work both Friday and Saturday. It will be busy and just in case we get a storm on either Monday or Thursday, the girls have cheer practice. The good news is that we have been planning ahead so this week should not blow our budget.

Here is the plan:

Breakfast–  Saturday- Gravy Biscuits, Sunday- Chocolate Banana Bread.   Choices will include  cereal, toast, grits, breakfast bars, granola bars eggs or left over baked oatmeal or breakfast burritos-previously made  The focus this week is quick and simple to get everyone to church and work on time.

Lunch- Sandwhiches, left-overs, chicken nuggets.  This should be the biggest struggle of the week.

Dinner-  Saturday- Lunch- Sandwiches.   Dinner- Pasta salad
Sunday- Lunch- Pork roast, potato salad and deviled eggs.   Dinner-nachos made with Taco Rice
Monday- Hamburger steak and French fries or left overs from Sunday.
Tuesday-Wraps during swim meet
Wednesday- Cheeseburger Pizza
Thursday- Chicken and Broccli in crockpot with rice
Friday- Baked spaghetti.

The plan for dinners this week is to prepare ahead as much as possible. I did go ahead and make the Baked spaghetti on Sunday. Each night if we can prepare the next day, we should survive this crazy week.

Kendall’s Birthday!

We had a swim team meal on her birthday so we brought the cake!

We had a swim team meal on her birthday so we brought the cake!

She ended the night of her actual Birthday by throwing away her car seat!

She ended the night of her actual Birthday by throwing away her car seat!

On Sunday, we enjoyed lunch with my parents and then Kendall, Lily and I headed to the mall. Kendall called this “a big girl shopping trip.”

Of course, we had to go to “Build a Bear”

Both Kendall and Lily had to buy their own scent!

Both Kendall and Lily had to buy their own scent!

IMG_2622

After finishing a lot of shopping, Kendall chose to eat at “Olive Garden”

Desert to go!

Desert to go!

IMG_2624

5 Things Friday

5thingsfriday-logoRED

  1. Today is Kendall’s Birthday, I had tried several time to get the day off work but it did not work out so we will be celebrating all weekend to make up for today.
  2. Today is also the mid point of our year so I plan to spend some time tonight updating and rearranging our budget to make things more even.
  3. I get to enjoy a 3 day weekend… no work on Monday for me!
  4. Matt picked our first full size tomato from the garden today!
  5. Everyone LOVED the day at Emerald Point yesterday. I am really tired and my legs are sore from walking all the steps multiple times. The weather was cloudy most of the day so it was not crowded at all!

 

June in Review

June was a difficult month both financial and emotional. Things did not at all go as planned with my mother accident and hospitalization. Today, I feel like our summer has official started so I hope to enjoy some down time and get things in proper order for the upcoming months.

Personal-
1. Blogging
– Post 20 per month. Fail. This is post number 12. I started out strong but things change. Next month should be better!

2.Weight Loss– 175#.  I am proud to say that I have been able to exercise at least 3 times a week this month but the scale is still not my friend.

3. Spiritual– Spend at least 5 days a week, reading and studying The Bible. Nope. I am hoping to finish reading through the Bible this month and start something new.

Personal goals are a failure this month. Not much more to say in regards to that.

Financial- 

1. Set aside money each month in every budget category. Fail

2. Establish and maintain Emergency Fund- Fail.
3. Groceries: Goal is for $700. Goal Met. We spent $356 in Groceries this month. I am so excited to see this number and I hope to have a repeat for the next 2 months. I will say that my cabinets are starting to look a little bare but with veggies and stuff coming in our freezers are full!

4. Gas: Spend $400 a month- Goal Met! Still have $54 to spare.

5. Pay off all Credit Card debit by December 2016- Fail. I am meeting bare minimal payments on everything but really was hoping to begin to get control and reduce this number.

As you can tell we are struggling. My goal for July is to use the third paycheck of the month to get us back on track. We have been doing some belt tightening in June and plan to continue in July but also enjoy our summer!

 

Summer Saturday-6/25/2016

IMG_2604This is a picture that I took last night of Zach. I am truly amazed at it. Zach is the only one of my children who did not like the water. We spend a big part of our summer at the pool most years but Zach has always preferred to play on the edge or just watch others until this year. He decided that he was going to swim on the swim team and then decide he wanted to play in the deep end. When I arrived after work yesterday, he wanted me to watch him go off the diving board, so of course I had to take a picture.

The weather today is different, it is less humid but very cloudy. We spent the morning outside working in the garden. We were able to pick another couple of family servings of green beans, which have already been cooked and placed in the freezer. We also unfortunately had to pull some plants like our snap peas, which have stopped producing and several of our squash plants which have been attacked by the squash bug. We also tied up tomatoes which I really really hope start to produce in the next couple of weeks.

Lily will be arriving home from camp this afternoon so the current plan is to wash her clothes and we may end up renting a movie.

I have several items that I need to take care of on this not the best of days to go to the pool including a monthly calendar and menu plan for the next couple of weeks.

Bring on Summer play!

Bargain Brag 6/23/2016

I continue to stand by my thoughts that saving and couponing is a lifestyle not a hobby.  I was able to purchase this today at CVS for 56 cents.

IMG_26033 12 packs of Diet Coke and 24 bottles of water.

First is Coke Points, I have been adding points and spending points for 3 or 4 years. Today I had a free 12 pack coupon.

Next is CVS sale. I was planning to use a rain check I had 3 packs for $10 but when I saw the sale, I simply put my rain check back in my pocket.

Next, 50 cent off coupon from the CVS app, it was advertised in the sale paper is the way I discovered.

Finally, a $5 gift card that was earned through MPLaces. Basically this is an app that you “check in” (click the button) for place. I usually hit most of the 25 each day at stop lights on my way to and from work.

Total out of pocket fifty six cents which breaks the items down to less than a penny each!