this is a test
Viewing the 'Uncategorized' Category
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)
[Budgeted Amount was $200]
Gas for three vehicles: $95
[Budgeted Amount was $100]
[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.
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.
I'm ready for 2019. We've ended in a good place.
The tenant didn't the rent before going to Poland and it didn't wreak havoc on our financial life. The 12/28 paycheck covered everything and a $250 tuition payment for 1/11. The tenant did contact us and will pay on 1/7. And again on 1/20. In our old life this would have caused major headache and heartache and juggling. Now, not so much.
My grandmother passed away in October, and that is still a very sore subject. But I have $90,000 in a money market at Vanguard. We are also awaiting additional funds. We also have $4000 in our vacation fund. Vacation is on the horizon for February/March.
Biggest goal for 2019 is to downsize from current home to a townhome paying cash. We've located the subdivision where we would like to live; its near to train and walking distance to downtown area of the town we've selected. Excited about that. Every step is moving toward simple.
I've filled out the requested preliminary background check for a job that I'm hoping to get. I'll follow up with the recruiting department on Wed.
I've nothing but high hopes for the future. And I wish my fellow SA-ers nothing but the best.
Happy New Year. Bring on 2019!
Every year at my husband's current employer, there is a Halloween event that includes a chilli cook off and a pumpking contest. Two years ago we won the pumpking decorating contest (turned one into cookie monster thanks to pinterest).
Last year we didn't fare very well in either category.
This year I am proud to say that I won the chilli cook off! I found a simple recipe for a creamy chicken chilli in the crockpot.
Here it is:
Place two pounds chicken breasts in the bottom of crockpot.
Add drained can of corn and rinsed and drained black beans.
Add can of diced tomatoes WITH liquid.
Add one yellow onion chopped.
Add one green pepper chopped.
Season with one packed of dry ranch dressing mix.
Cook on high 3 hours.
Remove chicken breasts and shred. Return to crockpot and mix well with vegetable mixtures. Add on brick of cream cheese cut into squares, stirring til well blended.
Cook an additional 15 minutes.
I've never considered myself anything beyond basic in the kitchen. I'm pleased that my simple recipe was recognized and won.
Prize: Engraved ladle with our names on it.
And a $15 gift card to AMC Cinemas. I'm thrilled about that since I've forgotten how much I like seeing movies in the theater. Hello Date Night!
Eight days ago my grandmother died at the age of almost 99. I was able to spend time with her one month before she passed, and I think that she might actually have waited to see my daughter. D arrived on Friday the 5th and had a really great day with G. The chaplain came and they had a wonderful 45 minute visit and my daughter got to pray over her great-grandmother. Saturday my grandmother was tired and they figured it was just the excitement of having D there. Then on Sunday she was tired, but in good spirits, having spent time outdoors in the Cafornia weather which she so enjoyed. They had her favorite dessert at dinner and the next morning my uncle and aunt were notified that my G passed away in her sleep.
My grandmother wasn't in bad health, but was definitely frail and having a hard time maintaining weight and had become more oxygen dependent. So while it wasn't completely unexpected, I had still hoped to see her again.
I am sorry that the other Laura lost her mom. And I hope that Lucky Robin's Dear Girl get a diagnosis and reliable medical treatment so she feels better.
I guess this was really just a lament post. Nothing here has changed one way or the other moneywise; we're still just moving along toward the future.
Prayers for everyone who needs them.
We had a plumbing issue with the toilet in the master bath. Twice it overflowed with tons of water. We were't home the second time and it took Offspring a bit of time to turn off the water valve.
It must've been a lot of water because the ceiling in my family room was stained the first day after and actually fell in the second day following.
And there is currently a gaping hole roughly 4' x 8'. DH removed the wall board and we've got the dehumidifier going, so it's not feeling musty or moldy.
Irony: I agreed to host a law school graduation party on Sunday for my cousin who lives out of state, but whose son lives in Chicago. My house is clean and it's being catered by Portillos. I've collected card tables and chairs from family and friends. I am renting a carpet cleaner on Saturday (we've two dogs, one very old who is having more accidents nowadaays).
My mother (who has strong Martha Stewart tendencies) said, "Oh dear. When are the repair people coming in to fix it before that party?" To which I just laughed. Since we're still running on fumes here and the money we have needs to cover oil changes and pet grooming.
I've my final appointment with the Career Counseling Center on Tuesday (finalize my resume) and we're still in the process of finding renters for the rental property.
At least my good humor was here and I didn't let my mother's aghast look that I'm actually hosting a party with a hole-y ceiling get my knickers twisty!
I had a snafu with the last textbook I purchased online from Amazon. On the cover it clearly stated that it was intended for international students and not those in the US or Canada. Boo. I was so happy to get it at a reasonable price; after all the angst, I was able to use it in class and cannot quite actually determine what the differences in the text books are.
I was on campus at the bookstore today for the textbook for the two-weekend seminar upcoming. They only had new books for $105. While being helped, I said I could probably find it cheaper on Amazon, to which the worker said they price match. I ended up with the text book for $73.00 out the door. I was happy with that.
Who knew that they price match? I also found out that the eye doctor sells the contact lens boxes at warehouse club prices. I suppose it always helps to ask if they price match.
I guess this qualifies as "Saving while spending". I will need to Whack a Mole for this puchase (I am $23 short from the EXTRANEOUS FUND). But its fine. Spending across all other categories is at expected or less.
I was riding high on the thrill of the economical suit purchase for DH.
And I was super proud that I got my required textbook in an earlier version for $35 on Amazon. It arrived today and ... big fail. It's for international students and not intended for use in the United States or Canada.
Topic: Methods of Research in Organizational Behavior. I thought that statistics were universal, but apparently not. The only way to remedy this is to see if I can take out a general methods textbook and try to supplement. It's required for tomorrow, I will limp along.
Also in an effort to corral expenses, I did not renew my Amazon prime today.
I did spend $33 at the grocery store and $25 in gas.
Prayers please for DH's upcoming test. It's a PET scan to confirm that a small nodule on his lung is really the "highly unlikely to be harmful" kind that his doctor thinks it is. DH does have some small nodules of insignificance on his lungs, this is a new one. His other CAT scan results were all fine, he is two years post-cancer diagnosis. I know logically this is probably nothing, but the anxiety and stress is kicking in. Anyhow, he needs to eat a particular diet tomorrow before test on Thurs.
That's all for now. Stay warm; hard to believe its spring out there!
I closed out spending for March. The extraneous spending was higher because we had title/plate/registration/tax on the minivan my parents gifted us, I paid for spring sports for my grade schooler, Easter cost us $170 (that is the dinner and I spent $30 on each child getting them things that they need (summer clothes), I also had to pay for a textbook that I needed for this quarter and couldn't borrow.
I think that the rest of the year is going to fly for us since we are 4th quarter/2nd semester for everyone. I have 9 weeks left of the quarter and I think it should be manageable. The methods of organizational research class requires weekly check-ins with the professor (there are only nine of us in the class), so I won't be stressed at the end of it, and I read the syllabus for the two weekend seminar and I've already started what I can on that (journal article reviews and doing prelim background research on some OD topics).
I am going to attend a Speaker Lecture Series for free; I'm non-degree seeking (16 hour grad certificate) but they agreed to waive the cost. I'm looking forward to it and am glad I accepted the offer. More knowledge is always a good thing.
Looking forward to a low-spend April. It's a short month, I'm fairly organized, and I've been building a stockpile. And collecting easy and economical recipes.
Today we're heading to the Garfield Park Conservatory and eating at Chillis. I spend $50 on gift cards at CVS for Chillis and have $10 ECB. I also spent $50 on groceries at Target and got a $10 gift card. I'm hosting a brunch but it keeps getting smaller and smaller. I don't really mind much; I'm getting less and less accepting of other people's drama.
Enjoy your weekend and see you in April!
The writing is on the wall and DH's official last day is 5/31 with his final check on 6/1. That being said, I need to cast some attention to the budget and spending. I will readily admit to being on money autopilot since I started back to school in January. We aren't over spending and I am tracking, but I am seeing that things can definitely be done smarter to conserve money if I just put forth the energy and plan and commit.
We had two trips to Sam's Club in the past month. One was for $270 (I used $100 of the tax return toward that) and the other was for $230 (I used $100 from DH's bonus for that too). We did stock up on toilet paper, feminine hygiene products x2, batteries, razors, dishwasher pods, and vitamins. Since our local Sam's closed, we did have to drive to suburbs north for the trips and we did fill up on gas while there.
My goal for April is $300 for all consumables. That's $10/day for a family of six. I'm planning on no processed food items and am on the fence about Gatorade since my boys are practicing daily for soccer/track/and volleyball.
I've been spending some time on websites reading about frugal meals and was wondering if anyone has any tried and true economical recipes that their families like?
Our cheapest eats lately have been: curried chickpeas and ground turkey with peppers. I've also made crockpot granola with success, and instead of Belvita bars for my daughter, we found a simple recipe for sweet potato pancakes that are very tasty and economical.
I've found a new recipe for quinoa broccoli bites. And am looking to expand my new recipes for this endeavor.
Thanks in advance!
DH's boss's last day is 4/30 with the final reduction in his current department is 5/31. The office will become a satellite office as the work has migrated to HQ, with a kick-back of some of the more complicated contracts for a final transition.
This means a finite number of paychecks. This thankfully coincides to a completion of my program and I would surmise that I should be able to find a job relatively easily or at least get a paid internship for the summer.
So the plan for April is to do a low-spend, uber frugal month challenge. There isn't much anticipated and it will be a month full of soccer, boys' volleyball and track. I won't need to outfit the boys with summer uniforms because they're set.
I'm going to see about borrowing the text books for the upcoming quarter. I'm using the library for books on tape and videos. I'm thinking that it can definitely be a practice run at economizing.
Definitely giving thoughts to how to contain costs while increasing savings.
Thanks for all the feedback on where your sinking funds are parked. I also found a particularly helpful youtube vid about it at JennPlans. Thanks to Scottish Girl for recommending that. Since forever, I've been lumping all those things together into one EXTRANEOUS/MISCELLANY category (other categories in the budget are mortgage/utilities/consumables (food/household/personal care/pet)/gasoline. So that would be education/clothing/gifts/entertainment/etc. And that has been at around $300 a month.
I've tracked every red cent spent since 1/1/18 and feel that I have a fairly close estimate to what I have spent, yet I need to work some magic and come up with actual amounts for each intended sub-category.
Things that have helped with the money flow:
- I have two daughters who are at home now, and since the use of my car has increased, they contribute to gas and insurane payments. Since they both work (older nannies and models, younger nannies and dog sits), they pretty much cover all of their own expenses.
- Our medical expenses have been lower since we have a Flex Spend account set up and that should cover the next three months of expeses (so 1/2 year). We did not have that last year.
- We are still contributing 10% of DH's pay to 401K. I'd like to save more, but there is still uncertianty in our future.
- I took advantage of a CD (savings certificate) paying 4% (thanks FrugalTexan Laura for recommending the CU!)
- I'm parking the sinking funds into the Reserve Checking Account associated with the PNC Virtual Wallet.
- This is the first time that we aren't anxiously awaiting the check from DH's side job to cover some expense. It's rather nice to not feel the anxiety of Paycheck To Paycheck living. Best thing I ever did was apply the income tax refund to YNAB's income usage concept. I'm actually looking forward to April 1st when I will pay pretty much everything that isn't automated.
- I will declare April a Low-Spend month since I will be back in school (starting up last quarter on 3/26) and am taking one 4 hour course over two weekend seminars. I also plan on incorporating a simple but detailed meal plan for most of the month.
- We are eating healthier and it does cost more.
- I'm feeling desperate about lack of sleeping pill usage, but will ride it out. I've started training for a 5K in April and ran yesterday and today despite it being cold. I've learned that older daughter does not like to run in the cold. I'm hoping to take off another 6-8# this month. No sugar either.
- Today I made homemade granola in the crockpot. Nut-free since older daughter had her allergy testing done and lots of things came up.
- Anyhow, just feeling smarter in general.