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Archive for January, 2019

UH OH. OH NO. Where'd they all go??

January 19th, 2019 at 06:34 pm


this is a test

UFMC Update - January Ist Half Spending

January 15th, 2019 at 03:10 pm

I've been a diligent tracker since 1/1. Here is the spending for the first half of the month of January:

All Consumables (food/pet/household/personal care)
was $232.10
[Budgeted Amount was $200]

Gas for three vehicles: $95
[Budgeted Amount was $100]

Extraneous: $178.50.
[Budgeted Amount was $200]

Total coupons savings on all consumables was $36.00

My extraneous spending included the following: $31 for my drivers license renewal, $25 oil change, $20 pet grooming, $18 haircut, $40 to host Italian dinner for 12, $18 birthday gift for my stepdad, $15 for a sweater for myself, and a $7 pendeflex and $3.50 salt and pepper shakers).

Not included was a replacement iphone 7 for DH for $240 from Amazon. That was cashflowed with Christmas gift money that wasn't designated.

All in all, I'm fairly happy with the way it is going.

I had a bit of rude awakening at the amount of the net pay AFTer 10% 401K contribution. I also sent $92 even out amount to Vanguard and $35 to my own retirment annuity (not much, but every little bit counts). Also we increased our HSA contribution by $750 this year.

We're moving onto having the bath tub and showers replaced in our current home. We continue to declutter and our downsize is so close I can almost taste it.



January 2019 Goals

January 8th, 2019 at 09:23 am


I already upped 401K contribution to 10% at the end of December and am expecting that to be in effect on first paycheck 1/11.

1) Save $25/week from variable expenses. Budgeting for $225 but hoping to only spend $200.
2) Save $25-$40 in $5 bills from weekly spending for Christmas 2019
3) Cashflow tub and shower installation from rent
4) Add $150 to retirement funds
5) Coupon and save the difference in cash for fun $
6) Continue with monthly dinner out as a family
7) Continue to socialize with our family and friends (Italian dinner with 10+ people set for Friday the 11th)

UFMC is going well so far. Eating from pantry and only spent $75 on groceries and $30 on gas. I did need to cashflow a replacement iphone for DH ($250 on Amazon, upgrade from a 5 to a 7) and $18 on haircut for youngest son. Frugal win: Using ECB on the most recent round of OTC cold meds for us.