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Not quite, but almost....

April 7th, 2007 at 12:38 pm

Ready for Easter tomorrow! I was having a hard time coming up with ideas for the kiddo's Easter baskets. I had almost decided just to put in the candy and put some cash into a plastic egg. Well, DH thought it be nicer to give a gift instead. I think it would be nicer too, but I was having a hard time coming up with ideas. Together we brainstormed and came up with a gift each child will like. Sooooo, it's off to the dreaded Wal-Mart for Easter gifts. And, DANG it's cold outside! We had a record high temperature of 85* on Monday and it hasn't got up 36* today. BRRRR! If it gets into the teens tonight(which is predicted) the farms will lose all of their wheat and corn they have plantedFrown Not good...

But, the good news for me is that I have all of my food prepared for tomorrow's Easter dinner. We'll go to church and then to my sister's to have a frosty Easter feast!

Mary Kay and food budget

April 6th, 2007 at 01:16 pm

Wow! It's been quite a while since I blogged last!

Just wanted to talk about an experience that happened to me yesterday. At work I was asked by a co-worked if I would like to buy some Mary Kay make up. I nicely told her I didn't think so. She was really pushy and told me everything was half off...surely I would like some make up at 1/2 price. I told her "no, I don't generally use Mary Kay because it's too expensive". Of course she went on to say how much higher quality the make up is and it's worth the extra money. AND, of course, it's only half price which means it is a WONDERFUL deal! In the past I probably would have caved in and bought some. Mostly because I didn't want to look "poor". I was sooooo proud of myself when I told her that I wasn't interested in her makeup. I told her I'm raising three kids(she has none) and I'm lucky if I can afford Mabeline at Wal-Mart! About three other people in the room echoed my response with laughed and agreement! It made me feel great...like I'm not the only person in the world that has to watch those nickles and dimesSmile

On the budget homefront, I bought my weekly groceries today, including my fixings for Easter dinner. I stayed within my weekly budget! I still have $1.37 left in my weekly "food" envelope! Yippee!!!!!

Going camping:)

March 21st, 2007 at 01:55 pm

Well, we're HOPING to go camping tomorrow. We've had a lot of rain for the past couple of days and more forecasted for Thursday and Friday. We'll see how things look tomorrow before we take off. We have camper, but it is NOT fun to be trapped inside of it with three kids while it rains...been there, done that! If it were just DH and I, it would be fun and kinda cozyWink

So far things have been going pretty well, money wise. We've been on spring break but managed to stay within budget. However, I did "up" the dining out budget for the month. I knew we would want to eat out a couple nights during spring break, and we have! Still, we haven't even used all of our dining out money yet! Woohoo!

Spring break reminds me that summer is getting close. I don't work during the summer, so I don't get paidFrown Time to start pinching those pennies a little harder(if possible)...

Ahhhhhhhh, Spring Break!

March 15th, 2007 at 04:25 pm

Today was my last day of work for over a week. I have tomorrow and ALL of next week off for Spring Break! Unfortunetly, I don't get PAID to be off! Oh well, I knew that this was part of the deal when I took the job. The kiddos will be off, and so will mama!Smile

I wish I could report all kinds of frugal money saving things that I did today...but, I can'tFrown I did take my lunch and drank water for lunch but, I picked up pizza for supper. I've uped my budget this week for spring break, so it didn't hurt it at all. DD and I have had a very hard week at school this week. Not to go into great detail, but because of something that happened to her at school, I reported it and her teacher got fired for it! I hated for that to happen and DD is really upset and afraid everyone will find out that she's the one who "told" on her teacher. Anyway, we both needed a little "pick me up" after all of the stress this week and we're NOT going over budget so we had pizza tonight!Smile

Tomorrow we'll head to the store and buy paint to paint in both DD's rooms over Spring Break. Also, we've resevred a space at a campground, so if the weather holds up, next week we'll have our first camping trip! Of course, everybody else we know is going on a "real" spring break trip...on a cruise, to New York City, Florida, Vegas. We can't afford those places, but we're REALLY looking forward to going camping! It's fun and it's in our price range!

Gosh I HATE spending money!

March 10th, 2007 at 01:49 pm

But, sometimes it's necessary. The kids and I went shopping today...YUCK! I hate shopping! I hate to spend the money and I hate fighting the crowds! I despartly need some new Spring clothes. Since I haven't worked for 15 years, I haven't required many "nice" clothes. I only needed a couple things for church. Well, now that I'm working I need nice clothes to wear to work. I managed to get through the first months of school with what I had this fall, but I don't have anything nice for Spring. I wish we had decent thrift stores here, but we don't. Also, I just entered the "big girl" sizes(hate to admit it, but it's trueFrown) and there just isn't anything to choose from in my size at the thrift stores. So, I had to shop today. All three of the kiddos needed a few new clothing items for Spring too. I hated like heck to spend the money. BUT, I can't tell you how nice it was to ACTULLY HAVE the money to buy the clothes! In the past I would've charged everything on the credit card and then would've had to "rob Peter to pay Paul" to try to get it paid off.

Anyway, I hated to spend the money, but at least this time I did have the money....even though I would've rather used it on something else!

Gifts, highlights, and track shoes

February 27th, 2007 at 02:37 pm

When I planned my 2007 budget, one of the catagories that I included this year was "gifts". In the past I had never budgeted for gifts. I usually just pulled the money out of my weekly "household" budget. Well, several times things got very tight around here when I had to take money from my household budget and I still needed to buy things like...uh...groceries...prescriptions...gasoline. So, I decided to make budget catagory for gifts.

Tonight we are going to my nephew's birthday party. I can't tell how nice it is to already have the money in place and not wonder what my family will have to do without this week so I can give my nephew a gift! Why didn't I think of this before????

On the homefront, we've had a nice low spend week so far. The girls and I have been taking our lunches to school all week and we've been eating leftovers for the past two nights. Since we have the birthday party tonight, we'll have a light supper of sandwiches, chips, and baby carrots with birthday cake for desert.

I have a couple big spend days coming up thoughFrown I simply HAVE to get my hair cut this weekend. It's been a while and it's looking awful! I've decided to go ahead and have highlights done this time. It'll probably be my last time though. I think I'll go back to just coloring it myself after this time. BTW, I'm only 36 and already have a ton of gray hair! I guess I'm vain enough that I don't enjoy people seeing how gray my hair is already. The highlights camoflauge my gray. I've tried it at home before and it just doesn't come out as well as it does at the stylist. But, like I said, I think this will be my last highlight jobSmile

Also, DS started track in school yesterday. He has to have new track shoes. The back thing is that he has to have TWO different kinds! I guess I'll be spending my weekend getting my hair cut/highlighted and finding the best value I can on track shoes(rolling my eyes)....

Quiet frugal day

February 24th, 2007 at 02:28 pm

It's been quiet around here today. It's been raining cats and dogs so it's been nice to stay in today. I would like to say that it's been a no spend day, but I DID have to run to Dollar Tree and buy a new shower curtainFrown I washed my old one so many times that it finally fell apart when I tried to wash it this morning. So, I did spend $1 today.

Frugal things I've done today:

#1 Found a recipe online for my favorite coffee creamer and made it this morning. It was very goodWink

#2 Searched online today for a cheap alternative for the cleaner that goes into my steam carpet cleaner...white vinegar!

#3 Had leftover Taco Soup for lunch.

#4 Went to the Dollar Tree and walked out with only one item(this is hard for me).

#5 Have homemade pizza crust rising for supper tonight.

#6 Did laundry and washed everything in cold water. However, since it was raining I didn't get to hang my clothes on the line like I'd planned to do.

#7 Plan to stay in the rest of the evening enjoying FREE tv with my family. Oh yeah, DD#2 spend some of her allowence money at the Dollar Tree on a giant word search so the family will probably spend some time on that tonight too. Funny how something like a cheap word search can entertain us for hours!LOL

Hopefully tomorrow will be a no spend day. We are going to church in the morning and that's all we have planned. Most of the congregation goes out for lunch after church but we get into the van and head home for a quick lunch instead. Who wants to spend the whole afternoon in a restaurant anyway?? Well, my kids probably would!LOL

BillPay, here I come!

February 23rd, 2007 at 02:10 pm

I was reading Pat's blog yesterday(http://patverettosfrugalliving.blogspot.com/) when it dawned on me that before long, I will be paying almost $1 for every two pieces of mail that I put into the mailbox! I was stunned! Doesn't that seem like a lot of money to mail two bills? So, I'm doing something that I should have done a long time ago. I'm finally jumping on the "online bill pay" bandwagon. I'm sure that most of you are already on that wagon. I'm not the most computer savvy person around, so I've been dragging on feet on this money saving option. NO MORE! I set up my first online payment today and it was very painlessSmile

The cost of a first class stamp is going up to .42. I mail approx. 10 bills every month. That means I will be paying $50.40 every year to mail my bills! Not THIS tightwad...not anymore. I only have one bill that can not be paid online. So, now the US Postal Service will only get a measly $5.04 from me. Oh, I'm sure I'll have the occasional bill or whatever that I'll have to send through the mail, but not very often. I opted several years ago not to send out Christmas cards anymore. All of my family live close so I don't have to send birthday cards or packages to far off relatives.

My new mission: Avoid the post office at all "costs"....

Payday, peanut butter, and grilled burgers...oh my!

February 21st, 2007 at 12:56 pm

Been a no spend day. Actually, just the opposite...it's a "make money" day because it's payday for DH! Yesterday was my payday for the month. Life seems so good when you have a nice big bank account. Well, big for a while anywaySmile

I would LIKE to spend a little on peanut butter but every shelf is cleared in the grocery stores I've been to! Of course, they cleared all of the Peter Pan and Great Value brands, which caused everybody to grab what was left leaving nothing behind. I still have 3 large jars of peanut butter left in the cupboards at home that I need to throw out. I just haven't brought myself to throw that kind of money out! I know I'll get reimburessed, but it still bothers me!

The weather is absolutety wonderful here today! DH will be grilling burgers for supper tonight. YUM, I haven't had grilled burgers for a while.

Eh, call me a tightwad if you want....

February 20th, 2007 at 04:10 pm

Things I've noticed:

A co-worker(who is constantly complaining about not having money) told me that they went to see Bridge to Tarabithea over the weekend. She went on to say how she "hates buying popcorn and pop at the movies because it costs so much...but DD thinks she HAS to have popcorn, so what can she do?". Hmmmm. Load all five of us up in the van, drive to the movies, pay to get in, pay for snacks, drive home. Nope. We stayed home and watched Ferris Bueller for free. However, I did bring home a FREE copy of the book(think: ACTUAL LITERATURE) from the school library(where I work) and have been enjoying it very muchSmile

Some co-workers were complaining at work today because they've switched the water bottles in the pop machine to a smaller size, yet they still cost the same. Hmmmm. The free water from the tap that I drink STILL costs the same thingSmile BTW, the school has an awesome ice machine with crushed ice. I can't imagine anyone prefering the pop machine water over the awesome ice that we can have for FREE!

Today was payday. Many of my co-workers zoomed to the bank during their lunch break(stopping for fast food on their way back). I ate my lunch brought from home(enchalidas, yogurt, apple) and plan on depositing my check tomorrow which is our normal "bank day" at our house(DH's payday).

Oh BTW, it was a no spend day for me. We enjoyed a delicious supper of meatloaf, baked taters, biscuits, and steamed veggies. I had planned on making meatballs tonight, but I was too lazy...meatloaf is basically the same thing only easierWink





An example of when being lazy isn't frugal!

February 17th, 2007 at 07:59 am

So I write this extremely long post yesterday about how for me being frugal isn't just about saving money...it's about being lazy. Well, this morning I found an example of how being lazy isn't always frugal...it actually costs money sometimes.

Yesterday was a day off for me so I spend most of my morning cleaning and doing things around the house. In the afternoon I went into town and visited my Grandma in the nursing home, grocery shopped, went to the pharmacy to pick up a prescription, stopped at the liquor store to pick up beer for DH, stopped at the pet store to buy a new algea eater for the fish tank, stopped at the Dollar Store to pick a few things there, and FINALLY made it back home and unloaded the groceries from the car(of course DH and the kids were no where around). Basically, I was exhausted by this point. So, I decided to just put away the cold items and leave the rest for later. We decided at last minute to go our local high school(school that DS attends) basketball game. It was late when we got home, so the groceries waited until this morning. Low and behold, as I was putting the groceries in the cupboards I find my 1 lb. package of chicken breast lunch meat in the bottom of the sackFrown I could've just kicked myself!!

Lesson learned. This is one of those instances where being lazy doesn't save any money. It can actually cost money. On the possive side, I guess it could've been a package of steak???

Frugal vs. Lazy

February 16th, 2007 at 08:52 am

Something I hear all the time from people who are deeply in debt is that they just don't have time to be frugal. HUH? What's so time consuming about carefully watching your spending? I believe that most people think that being "frugal" means a lifetime of baking bread from scratch, sewing all of their own clothing, shopping at four different grocery stores to get all of the best deals, cooking all of their food from scratch, making all of their gifts by hand, etc, etc, etc. Well, I guess most of those things are done by frugal people. But, I consider myself to be a frugal person and I don't necessarly do everything on the above mentioned "frugal" list. Honestly, many of the things I do aren't done to be frugal, but basically because I'm lazy!

Some examples of frugal practices I do because I'm lazy.
#1 Every week I make out a menu of meals that I plan on fixing for the week. Yes, this IS frugal. It saves money because I don't buy a bunch of extra food I don't need. The reason I do this aside from being frugal? After working all day long, the last thing I want to do 2 or 3 or even 4 days a week is go to the grocery store and gather up ingredients for the evening meal. I'm tired. I just want to get home.
#2 When I cook things like ground beef I will cook up 5 or 6 pounds at a time instead of the one pound that a recipe calls for and put the excess in the freezer. Why? Because when I come home from work tired and knowing I still have stuff to do around the house, the kids will need help with their homework, and I still have a stack of bills that need to be paid and put into the mail, having a portion of my meal already prepared saves me time and energy because some of my meal is already made for me.
#3 For the most part I don't bake bread from scratch. Sometimes I do because my family enjoys the flavor of fresh bread. The "everyday" bread my family uses comes from the grocery store. I buy generic whole wheat bread at the "regular" grocery store for the same price name brand bread costs at the bread outlet store. On my time off I don't want to drive the extra distance and waste my free time going to the bread outlet store, so we eat generic bread instead. The cost is the same and there is no effort or time involved in buying the bread from my usual grocery store.
#4 Speaking of grocery stores, I frequent 2 stores. I live in a small rural area with only a few stores and they never have great sales competing for customers because, well, they don't have to. We don't have much of a choice were we shop. I know my prices by heart so I will shop at each store every other week and buy the best deals at each store.
#5 I never sew clothes. I don't enjoy it and it's very time consuming. Some of our clothes come from garage sales, but the majority are purchased at departments stores at season end clearence sales. I just purchased 5 pairs of jeans for my daughter at JCPenney's on clearence for $5.49 each. There's no way I can sew a pair of jeans for $5.49 a pair. We do have one thrift store in our town and you can't buy a decent pair of pants there for $5.49. BTW, this is why I rarely buy clothes at the thrift store. I can usually find clothing at other places cheaper than the thrift store price.
#6 We just celebrated Valentine's Day. I guess the "frugal" thing for us to do would have been to make homemade Valentines for my daughter to give out to her classmates. Okay, by the time I purchased paper, glue, markers, stickers, glitter, and whatever else is needed to make handmade Valentine's cards I would've spend much more than the $1 I spend on a box of factory made Valentine's from the Dollar Store. She also wanted to include candy as a treat. Did we load up in the van and drive 10 miles into town to buy candy for her Valentine's? Heck no! That's the last thing I want to do in the evening after a long day of work. Instead, I pulled out my bag of Hersey Kisses that I picked up on the clearence rack after Christmas. The Kisses were wrapped in green, red, and the tradional "foil" wrappers. We simply used the red and trational "foil" and put them into a small baggie. I'll use the leftover green Kisses in Easter baskets in a month or so.
#7 Recently a fellow worker asked me "sometimes aren't you so exhausted after work and running your kids around that you don't have the energy to throw together even a small meal?". The answer to her question is "YES"! So, do I drive up to a local burger joint and order a round of burgers and fries to my family to eat? No. For two reasons. The most important reason is because this food is simply NOT healthy. But, another good reason is that the prices is just too high. I have to feed my husband, myself, an athletic 15 year old son(who can eat twice as much as most adults), a thirteen year old daughter, and an eight year old daughter who is also an athlete. So, to fill all of us up would cost me $25 or $30. Instead, we go home and have a super lazy dinner of leftovers, a sandwich, or maybe even a bowl or two of cereal.

As you can see, most of the frugal things I do don't just save me money, but even more importantly, they save me time and energy!

Planning on a nice evening:)

February 10th, 2007 at 10:45 am

Our weather in SE Kansas has been just horrible this winter! This is the worst winter I can remember and it's not over yet. The weather predictions are calling for at least 2 more winter storms before the month is over. Then, we still have March. We usually don't get REALLY bad weather in March, but it's not unheard of to get a big snow in March. Anyway, with the bad winter storms we've been having(ice and snow have been on the ground for a month now...very unusual) and the very bitterly cold temps, we just haven't made it out of the house much in the past couple of months. So, DH and I decided to head to Joplin Mo(about 20 miles from here) and go out to eat and use a gerenous gift card we got for Christmas. DD#1 needs a new pair of tennis shoes(sneakers for those of you in other parts of the countryWink) so we'll hopefully find a good deal on those. We'll probably just walk around the mall and browse without buying anyway. Of course, there's some awesome clearance sales going on right now, so we might find something we can't pass up.

So, tonight will be a small spend night(shoes for DD#1) but it's a night we're all looking forward to! Even DS who rarely wants to spend a Saturday evening with his parents anymore!Smile

Trying to teach a bunch of kids the value of a dollar

February 8th, 2007 at 04:38 pm

Okay, I'm not sure how many of you have read my blog enought to know this, but I work at my children's elementary school(actually, only my youngest goes there now...the other two are Middle and High school aged).. I work in the library. Well, it's "Bookfair" time at school. Basically, Bookfair is something that Scholastic Books does as a profit for them and a fundraiser for the school. They send a huge display of books and kids and their parents buy them. The more books the kids buy, the more money the school(and Scholastic, of course) makes. We always have the Bookfair in the library, which means that the responsibility of the Bookfair falls on my boss and I. My boss and I are both frugal people(which is one of the reasons we get along so well!LOL). I told her that in all good conscience I couldn't pump these kids up to buy a bunch of overpriced books. Especially when we have several of them in our library. She agreed 100% Soooooo, I pulled our books from the shelves that the Bookfair was offerning and told the kids that they shouldn't buy the books that we already have in the library because it made better sense to buy ones that we DON'T have and then check out the ones we do have. I'm sure Scholastic wouldn't appreciate me discouraging kids to buy their books, but I don't care!LOL Anyway, I felt good knowing that I advised the kids to make smart money choices.Smile

I'm saving myself $20 today

February 6th, 2007 at 05:13 pm

How? Well, I have a neice(Erin) who is a dancer. She's had a couple of dance performances in the last couple of weeks that I couldn't attend. I NEED to make it to at least one performace. Tonight she's performing at 9:00pm at our local high school basketball game's half time. She will not have another performance until the spring recital in May which will cost $20 per ticket. Wellllll, I've decided to go to the performance tonight and skip the one in the spring. Okay, since I'm an employee of the school district I get an "activity card" which gives me free entrance into all district activities(I also can bring a guest with me for free). So, instead of paying $20 this spring to watch a whole bunch of girls that I couldn't care less about, I will get into today's basketball game for free and be done!! Plus, since my children go to school in the district I know practically every kid playing along with his/her parents(girls and boys games tonight) BTW, I can't begin to tell how much money I've saved with the activity card since my DS is a football player and wrestler(he's not wrestling this year because of a broken leg).
Man, I just LOVE a great deal!Smile

Frugal things I've done today 2/5/2007

February 5th, 2007 at 05:05 pm

Well, I got all of the kids back to school today...no more flu! Woohoo!

Frugal things I've done today:
#1 Made lunches for the girls and I this morning.
#2 Had a no spend day(cash)Smile
#3 Paid off the remainder on 2 credit cards!
#4 Had plenty of leftovers from last night's Super Bowl extraviganza(sp?) so I heated those up for supper tonight instead of making a "new" meal.
#5 Got tomorrow's lunches made up for the girls. I get a free lunch from the PTO(Parent Teacher's Organization) tomorrow!

I've had a very good spending week so far. I have some extra $$$ leftover from serveral envelopes that I'll put towards debt repayment. I used to think that $5 here or there didn't really make much difference. Now, I see that I was very wrong...it makes a huge difference! I'm always more motivated when I'm working towards a goal, and right now my goal is to get completely out of debt in less than a year. That means NO DEBT. No morgage, no car payment, no credit cards payments. NO DEBT...period! If I work hard it CAN be accomplished in less than a year. Yeah for meWink

Getting back in the groove

February 3rd, 2007 at 09:29 am

I haven't blogged much in the past week. DD has had the flu and between working, doctor appointments, and taking care of her and the rest of my family, I just haven't had much time. I guess it's called "being a mom"Smile

Anywho, I'm pretty proud of myself this morning. Since DD is feeling better and DH, DS, and DD#2 are gone out of the house, I wanted to jump right in on my computer and start reading everybody's blogs! I'm having blog withdrawl!!LOL BUT, I made myself do my housework FIRST! Now, my house is nice and clean...well, as clean as it's gonna get anyway, so now I can sit down and relax and read the blogs without feeling guilty! I still need to do some budgeting and grocery shopping today, but I enjoy doing those things so I don't have to push myself to get them done.

Have a great weekend everybody! I'm looking forward to getting caught up with everybody this weekend!

Mostly rambling....

January 30th, 2007 at 08:46 am

I'm home today. DD#1 is sick. I'm sure it's strep throat. She has a high fever and a sore throat. Plus, strep throat is going around here. I was planning on today to be a no spender, but I need to take DD to the doctor this afternoon. They'll send my office visit to the insurance, but I'll have to pay for antibiotic.

Dr. appointment isn't until 3:00, so I'll work on laundry, bill paying, and budgeting today. I might even try to sneak in a nap this afternoon before the appointment! I'll have to revamp my menu for this evening since I KNOW I'll be getting home late. The receptionist at the doc office said that they are double booked today, so by the time I get out of the doc, get to the pharmacy, and get home, it'll be late. I might splurge and bring home pizza...who knows? I have a coupon "buy a large get a medium for free". That feeds my whole family for a little over $10!

Frugal things I've today 1/29/07

January 29th, 2007 at 12:49 pm

#1 Packed lunches for myself and DD's.
#2 In my lunch included a corndog that my sister was going to throw away because her kids didn't want it after she cooked it. I gladly snatched it up!
#3 Brought a tea bag from home instead of paying .50 for hot tea at the cafeteria.
#4 Assembled all of my ingredients for tonight's supper(Ravioli) in the crock pot so supper will ready when I get home.
#5 Made plans to carpool to a church meeting tonight so I won't be using any gas(I'll drive next week...I'm not mooching!)

Today's been a no spender so far, but DS has a dentist appointment this afternoon and I'll need to write a check for that(no dental insurance).

Costly weekend and menus

January 28th, 2007 at 12:30 pm

Well, I've had a VERY costly weekend...for me anyway! Friday I got my van back from the body shop and left my big fat $500 check with themFrown But, my van really does look nice. Unfortunatley, we haven't had ANY warm weather so we are going on week #3 with ice still on the ground and roads. Hopefully I won't wreck again before the thaw.
Friday night we picked up carry out. We had a $10 gift card so the meal "only" costed us $15. Yesterday I did grocery and household shopping. I walked out of Wal-Mart with $210 dollars worth of food and household supplies!! YIKES! In my defense, I was reimbursed by hubby and kids for $55 of that. Also, I haven't made a "real" shopping trip in close to 3 weeks because of the weather. We were out of everything! You know, furance filters, deoderant, tampons(for 2 of us gals), shampoo, toothpaste, soap...you get the pictureWink
Last night our church group went out to dinner to plan this year's activities. DH didn't go(he stayed home with kids), but it still ended up costing me about $15 for the Chinese buffet. Some of that was extra tip money I put in because I didn't think that some of the other's in my group tipped well enough.
Anyway, I'm glad this costly weekend is about over!LOL

Here's my menu plan for this week. I only plan 5 meals for the week. That leaves 2 nights for leftovers or "any man for himself" evening. Some of these are a repeat from last week. I ended up not closely following my menu last week because of some free leftovers from my sisSmile
#1 Beef Pot Pie(made from leftover roast, carrots, taters, and gravy), biscuits, and salad
#2 Polish sausage, mac and cheese, corn bread, and green beans
#3 Ravioli, garlic toast, frozen mixed veggies,
#4 Frito Pie and applesauce
#5 Potato soup, grilled cheese, baby carrots w/ranch dressing

Driver's license and birth control

January 23rd, 2007 at 05:08 pm

Did I get your attention?!LOL

I wish I could report on another no spend day, but I can't. I did have to spend a bit of money today...sigh. I had to fork out $24 for DS's driver's license. I've had this money budgeted for for a long time, though, so no big deal. BTW, he could've gotten it a while ago but he broke his right ankle during football so he couldn't drive anyway. Dr. cleared him yesterday so, of course, the first thing he wanted to do after school today was get his license!!LOL Hey, I can't blame the kid...I remember what's it was like at that ageWink

Pretty much on budget other than that. I went to the doctor yesterday and he put me on birth control pills to correct a problem(I'll save you all the gory detailsSmile). Anyway, I'm hoping insurance will cover it since they've already paid to have my tubes tied!!LOL If not, that's $32 extra a month I'll have to come up with that's not budgeted forFrown

I don't have all of my numbers together for the week yet. I'll try to post that tomorrow. I know I stayed well within budget though!

No spender and weekly menu

January 21st, 2007 at 12:24 pm

Because of the weather it's been ANOTHER day at home. So, no spendingSmile Luckily the temp is up today so some of the thick ice and snow are melting to some degree. I'm glad I have had plenty no spending days this month because we have FOUR doctor appointments this week...ouch!

I haven't done much of anything today. I browned about 4lbs of ground beef and put it into the freezer for future meals. BTW, this is a wonderful tip for anyone cooking at home with limited time. Now, any recipe that calls for ground beef, I already has a lot of the work already done. For example, if I were making spaghetti this week. All I would have to do is pull out the already browned ground beef and add it to the sauce. It's perfect for crock pot meals. Just throw everything in the crock pot because your meat is already browned.

I also planned my menu for the week. I usually only plan 5 meals a week. The two remaining nights will either be leftovers, a bowl of cereal, or "any man for himself" meal.
#1 Aztec Chicken over rice(great crock pot meal), salad
#2 Spaghetti Pie(made with leftover spaghetti I have in the freezer), garlic toast, green beans, salad
#3 Roast(again, crock pot), baked taters, biscuts, Cal. mixed veggies
#4 Burritos with fixin's
#5 Frito pie(make with leftover chili I have in the freezer), apple sauce

Frugal day at home

January 20th, 2007 at 03:38 pm

Not a lot to report on today. It's snowing and sleeting/freezing rain....again. Hopefully we won't lose power. We're crossing our fingers that one of our metal buildings doesn't come down from all the weight of the ice, and now heavy snow.

We're settled in nicely for the evening. There's homemade bread bowls and Cheeseburger soup on the stove for supper. We'll probably just watch TV all evening.

I haven't been out of house all day so I haven't spent any money. I did write out a check for the van payment that I will put in the mail on Monday.

It's been a frugal day here. Just doing some house cleaning and budgeting. Last night's leftovers for lunch and homemade bread and soup for supperWink

Well, the good new is.....

January 18th, 2007 at 03:41 pm

We're all okay. The bad news is that I wrecked my van on the ice today on the way to schoolFrown I went into a ditch were, of course, there happened to be sign! I knocked the sign over, and in the process I smashed in the driver's side door and smashed the window as well. Glass went everywhere! Luckily, it mostly hit me. I have small cuts on my face and hands, but no biggie. DS has a few small cuts on his neck(he was sitting in the passenger seat). The girls are just fine. The important thing is that we're all okay. Car's can be fixed or replaced, people can'tSmile

So, I've already taken my van to the shop to get repaired. My deductible is $500. The good news? I have the $500! Emergency funds are a good thingWink You know, it got me to thinking. Yeah, we didn't get to eat out a few times. Sure, we didn't get to see a few movies at the theatre or rent a few movies. Maybe we didn't get to go on very many weekend get-a-ways. But, it's SOOOO nice to have the money in place to repair my van. I don't have to worry at all! Peace of mind is soooooooo much better than a restuarant meal that has absolutely NO value. I can always check a movie out for free at our local library. Weekend get-a-ways? Well, we took plenty of camping trips this past summer. We haven't missed ANY of those things. But, being able to have our van fixed and NOT worrying about is a pure blessingSmile All I have to say is "Dave Ramsey Rocks!"...without his teachings, I never would've put an emergency fund in place.

Back at work/Frugal things I've done today

January 17th, 2007 at 04:16 pm

Went back to work today. We are one of the few school districts in the area that are back in session. Boy, I would hate to be in those other districts when they are making up their snow days in May!LOL

Today was a no spend day. Even better than that, it was a PAY DAY and no spend dayWink

Frugal things I've done today:
#1 Ate my lunch from home.
#2 Made lunches for the girls and I for tomorrow.
#3 Decided I could wait one more day before going to the store to replinsh milk and fruit.
#4 Already have chicken ready for tomorrow's supper. I just have to stick it in the oven tomorrow morning before we head to school.
#5 Turned my thermostat way down before leaving the house this morning. I hate coming home to a cold house, but even more than that, I hate paying for propane that I'm not using because I'm at work!LOL Note to self: Look into a programable thermostat!

Weather and menu

January 15th, 2007 at 09:42 am

It's still frigid and icy here. We did lose power last night, but only for about 1 1/2 hours. Just long enough to be quite an adventure for the kids, but not long enough that it was uncomfortableWink

We're getting out of the house for a while this afternoon/evening. When DH is done working he's going to drive us into town so we can replenish some groceries. Also, we got a gift card to Applebee's for Christmas so we're planning on using it tonight. YUM!

Here's my menu for the week:
Monday-Applebee's
Tuesday-Sticky Chicken, mashed taters, biscuts, and steamed broccoli
Tuesday-Nacho's For A Crowd, salad
Wednesday-Ravioli, garlic toast,green beans
Thursday-Cashew Chicken and fried rice
Friday-Muffin taco's, refried beans, salad
Saturday-leftovers
Sunday-Cheeseburger soup in homemade bread bowl

Trying to stay warm....

January 12th, 2007 at 04:22 pm

because it is COLD outside!LOL

Old man winter is knocking on our door here in mid America. It's only 20* right now with a wind chill in the single digits PLUS freezing rain/sleet. We're hoping and praying that the electricity doesn't go out. But, even if it does, we have a generater to get us throughSmile Still, it won't be fun without electricity. Since we're on rural water there are no back up generaters on the pumps...
no electricity=no waterFrown Not good.

But do you know what the BEST thing about this storm is???? I DIDN'T HAVE TO RUN TO THE STORE TO STOCK UP! I took inventory yesterday to see what I needed to get at the store. Um, NOTHING! I have plenty of food in my freezer. A full gallon of milk. 3 loaves of bread in the freezer. Plenty of batteries and candles. We have gasoline tanks down at our shop full of gas to fuel the generators. A GENERATOR(that most people don't have)! Plenty of wood cut for the woodstove insert. And, we've already cleaned and filled several coolers with water. We have a whole camper full of camping gear if we need it too.
Honestly, I couldn't think of one thing we needed!

Good for DH and good for meSmile

Don't get people

January 11th, 2007 at 03:06 pm

Sometimes I don't get people....

I have been noticing this for a while now. Whenever I'm asked to go somewhere or buy something(usually Tupperware or Pampered Chef or something along that line) I get two very different attitudes when I turn the person down. #1 If I tell them I'm just flat broke and can't afford to go out or buy something, I get this look of sympathy. They are very nice and don't act at all affected that I've turned them down.
#2 If I tell them that I'm really watching my finances closely and I'm trying to pay down debt, they look at me like I've grown a second head! They act as if I've offended them somehow and I'm the greedest person in the world!

When did living within one's means become so terrible?? Am I stingy with my money just because I'd rather use it to pay on my credit cards instead of buying some useless household item that I won't use more than once?
Honesty, people make me feel Scrouge or something just because I don't want to order a $10 "gourmet boxed lunch"(this happened at work today).

Don't know where I'm going with this. I just sick of people's attitude with money I guess.

Totals

January 10th, 2007 at 02:44 pm

Here's my January spending so far:

1/1 Food and Household(didn't separate these for some reason?) $115.11
1/3 Insurance(car)$80.56
1/3 Electricity $98.66
1/4 Food $32.47
1/7 Food $54.73
1/7 Tithing $50.00
1/7 Household $25.97(trashbags, shampoo etc)
1/8 Water $32.40
1/8 High speed internet $39.00
1/8 Lunch money for DS $15.00
1/8 School supplies(DD had to have art supplies from an art store) $31.00
1/8 Haircuts for myself, DS and DD $30.00
1/9 School lunch for myself(not sure, around $2.60..it's taken out of my account)

Pretty good so far for a family of 5Smile I probably won't need to spend any money tomorrow or Friday. On Saturday we are going out to eat, but we have a gift card from Christmas to use.

Can everybody else read comments?

January 10th, 2007 at 12:50 pm

Is it just me? I can't read the comments from my last entry. I know the comments were down this morning. For some reason only the comments from my last entry aren't showing up. The ones from my other entries are still there.

?????


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