Thursday, December 27, 2012
Mr. Man gave me the best present ever, Into the Pleasure Groove, the autobiography by John Taylor of Duran Duran! I'm a huge fan :) My Mom had bought Kiddo2's gift before she passed. It was of course perfect. She knew Kiddo2 so well.
Financially, we will struggle till Mr. Man gets paid. It's okay because I have no desire to shop or go anywhere. I will be listing the remainder of this month. New Year's will be spent at my Brother's place so minimal spending there. We've been eating/cooking a lot at my parent's house. Everyone keeps bringing food and I'm trying hard not to let any go to waste.
I am not sure how I feel about the New Year. I guess its a bit bittersweet. I just pray for strength and have been asking my Mom for patience when dealing with my oldest sister. Even in heaven we are still asking her for help. Love you Mom :*)
Sunday, December 16, 2012
Friday, December 14, 2012
Tuesday, December 4, 2012
Add to that Kiddo2's birthday. I am not the most social of people, so throwing any kind of party makes me all kinds of anxious. I just want all the kiddos to have a good time.
Then we have Christmas! Did I mention I have 7 brothers and sisters, 22 nieces and nephews and several great nieces and nephews! That is a whole lots of gifts but thankfully we all keep it small. No one is obligated to buy gifts but we all do it because its so much fun. We are also participating in an angel tree which provides gifts to children in our community. I need to make a list this week.
Aside from that we have holiday performances and recitals. It is such a wonderful time of year! I am so thankful and blessed. I hope each and every one of you is enjoying your December so far :)
Saturday, December 1, 2012
We had a movie night at home. Watched Brave and Arthur Christmas. Great movies and the kiddos are now in the Christmas spirit more than ever. Tomorrow, I'm pulling out the tree and we are decorating it. I'm also hoping Mr. Man puts up the lights on the house.
Aside from that, not much planned. I love the weekends, especially when we don't have a whole lot planned. I cannot believe Christmas is a little over 3 weeks away! So excited :)
Monday, November 19, 2012
Woohoo...Yippee...we paid off one of our high interest credit cards! Total was a little over $1600. We were paying 24% interest, which is ridiculous. It saved us over $300 in interest a year. So thankful we were able to do this.
This weekend I am hoping to do some Christmas shopping. We have a little extra cash and Mr. Man and I agreed to not spend it on eating out or useless impulse buys. So I'm going to look at my coupons and get the most for our money.
Aside from that, we are preparing for Thanksgiving. For the past few years we have taken a turkey to my mother's (two are required and she makes the other). Luckily, one of my siblings volunteered to bring the other turkey so I only need to bring a couple side dishes. I'm pretty happy about that.
I'm actually getting excited to see everyone the next few days. Hope it goes well :)
Wednesday, November 14, 2012
Now on to pineapples. We love pineapple. So much so that I was buying 3 to 4 cans a shopping trip. I was paying about $3.50 for 4 cans. Then, one day I decided to buy a whole pineapple for $2. I cut it up and ended up with the equivalent of 6 or 7 cans. The whole pineapple tastes sooo much better. Can't believe it took me this long to figure it out!
Speaking of pineapples...one of the kiddos bought a dvd today with their own money. It was a Spongebob Christmas two pack at Walmart. The 2 pack costs $14.94 and there was a sticker on the front for a free movie ticket up to an $8 value. You redeem a code online and print out your movie cash! So easy and convenient. Two dvds and a movie ticket for 15 bucks. I thought that was a great value.
I'm hoping by next post, my debt totals will reflect one less credit card! Although this year did not prove to be as productive as I would have liked, I have to focus on the positives. Our debt did not defeat us but instead motivated us to make changes in our lives for the better. A zero balance is no longer a dream but a very attainable goal :)
Tuesday, November 6, 2012
I'm taking a break from cleaning the house since I'll be picking up a friend's kiddo from school and don't want the house looking like the mess it normally is. Trying not to overdo it just wiping off things, organizing and dishes.
I hope to list some more this evening and then turn in early :)
Monday, November 5, 2012
Aside from that, I put a pork roast in the crockpot. So, no worrying about dinner. Dinner for four for under $5, plus there will be leftovers. The pork roast was regular $6.16 but every morning the meat gets marked down and it was reduced to $3.16. I snapped it up as well as a few other cuts of meat. I froze them and now I don't have to worry about meat till next week.
Not much else happening today till after we see the doctor.
Back from the docs. Kiddo2 has strep throat. Some antibiotics prescribed and no school tomorrow. I don't want my kiddo sick but we are both jumping for joy (on the inside of course) that we get to sleep in. We are so bad....did I mention only 11 days till Thanksgiving break.
Sunday, November 4, 2012
Today was spent doing a little picking up, packing off some stuff for Ebay and some listing. It was a pretty relaxing day. No dinner to make as I am TIRED and well I don't want to cook. So we will just eat whatever is in the fridge. After reading a couple of my favorite blogs, Frugal Queen and Out My Window, I feel like such a huge slacker! I imagine myself baking and cooking in the kitchen but somehow I don't ever get motivated enough to stay in there more than an hour at the most! One day, I aim to make them proud :) Unfortunately, that day is not today. To my credit, I did go to the grocery store to get the kiddos some lunch items. This school year both kiddos are taking their lunch to school and it helps our budget tremendously. Not to mention, what they eat is way healthier. Although, you can't tell from Kiddo1's lunch on Friday. Talk about no color! lol.
I was trying to keep the sandwich together and put in all those flag picks...Kiddo1 had a good laugh.
Last year, lunch was running Kiddo1 an average of $2.30 a day or $11.50 a week. Now its about 50 cents to a dollar a day. Every bit saved helps.
Mr. Man also called his little brother in NYC. He was happy to hear that all was well with him. He didn't go long without power and has been going to work. Its crazy how people only miles apart are dealing with the storm in radically different ways.
Tomorrow, will be spent organizing and purging. There is stuff that I still cannot let go of and just need to stuff in a bag and donate.
Lastly, I am happy to report that debt totals have been updated and the number went down and not up. We still are at more than we started this year but that's due to Mr. Man's used truck purchase. I hope by my next update we will have eliminated one card...we are still deciding which one we can pay off but it will be at least one. Yippee :)
Have a great week everyone!
Sunday, October 28, 2012
Today, I spent picking up a bit with the help of Kiddo2's toy grabber claw thingy. It helps me reach all things high and low. LOL. I listed a few items and went to a couple thrift stores to look for a few sweaters for Kiddo1. I'm going to go and look up my debt totals and hopefully update them.
The parting pic is Kiddo2's Halloween drawing :)
Hope everyone has a SPOOKTACULAR week!
Saturday, October 27, 2012
Kiddo1 and I are getting dressed. I'm still sore but am getting a little stir crazy all cooped up. We are going to venture out for a breakfast taco. Haven't had one in a few weeks and have been craving one. A cool front came into town so the temperature is currently 55 degrees. LOVE IT!!! The rest of the day will be spent organizing coupons and Kiddo2 moving things for me in the closet. I will also be updating debt totals and money made totals.
Hoping everyone has a great weekend :)
Wednesday, October 24, 2012
I am going to use my downtime to clip coupons and rest a lot. Lol.
Hoping I can update my debt totals next week! Have a great week :)
Friday, October 19, 2012
Mr. Man has been working like a madman. It is helping out tremendously and we hope to be rid of at least one credit card bill by years end.
Aside from that I sent Kiddo1 off to school and here is a pic of a couple of mums I made for friends.
If I had paid for these at a shop it would have cost be at least $25 to $30. My cost about $8-10. I may consider making these next year to sell but we will see. The larger ones go from about $50 on up.
Thursday, October 18, 2012
This weekend will be spent cleaning up the house and hopefully a big day of cooking Sunday. I want to make a few nights meals in advance since hubby will be running around taking/picking up kiddos from school and generally be on mom duty for a few days.
On the money front, my mind has not been focused. I'm hoping I can take advantage of my downtime to think and hopefully gather my thoughts on how to improve on paying down our debt. We are making slow headway but we would like to move things along more quickly. We will see how that goes.
Well, I'm off to the hospital but I may come back to post a pic or two of my completed mums :)
Sunday, October 14, 2012
Sunday, October 7, 2012
The weather is FINALLY cooling down here. Tonight we are in the 60's which is sooo nice! I love the cool weather :) This past Saturday I went to a couple of garage sales. I was so happy I did. I found two brand new in the box TV antennas for $7.50. I set one up in Kiddo2's room. By Kiddo2's reaction you would have thought K2 won the lottery! It was only a few months ago that we had more channels than we knew what to do with. Funny how it has worked out for the best. I also found a Dallas Cowboys sheet set and comforter for $6 :) Put it through the wash and once out it quickly made its way to its new home!
I also found a few other items for Ebay and already have turned a nice profit! I drive by the mall and lately have had no desire to go in. I keep thinking I can spend that money much more wisely and am really trying to.
Wishing everyone a great week !
Monday, October 1, 2012
So, I saw my doctor on Friday and he's referred me to a specialist this week. Hopefully we can schedule something soon....very soon! I am too afraid to eat anything besides fruit, saltines and ramen noodles. I am so hungry especially for a juicy cheeseburger with bacon and cheese. Its sad but true! But I don't dare get near anything greasy, fatty or remotely not gall bladder friendly. The pain is so terrible that I even passed up a pint of cookies and cream ice cream. And I can't ever remember passing up ice cream :D I feel like one of those lab mice who get shocked when they do something they are not suppose to.
I have been trying to keep busy by listing but I am lacking motivation since my mind is elsewhere. But I have already one sale under my belt for this month. We will see how it goes. My total for last month was about $530, I am absolutely thrilled by that. Hopefully the buyers are still out there this month.
Hoping everyone's week has started well! Off to crunch some numbers :)
Thursday, September 27, 2012
On a brighter financial note, I absolutely kicked butt this month on Ebay. We needed every penny to get through the month so I'm happy my hard work paid off. As of today I have made a total of $530 for the month of September. I'm hoping I can keep up my sales through October. I recently paid bills so anything I make will go towards medical bills. Also, both the kiddos have fall festivals at school so we will put a little aside for that. I updated my debt totals and I'm not happy with the total. I'm disappointed that we made no where near the progress we wanted to make this year but this whole process has been a learning experience. Either we continue on the path we are on and struggle from month to month or we work towards getting our financial act together. The end result being our financial freedom which makes me happy just thinking about it.
Thursday, September 20, 2012
Tuesday, September 11, 2012
Friday, September 7, 2012
I've been reviewing our budget as well as gathering totals to update my debt. I get such anxiety from it but its keeps me in check. There is no hiding from debt when its staring back at you in black and white.
I'm trying to just keep busy. That way I can have more no spend days.
I'm off to read :) Hoping ya'll have a great weekend!
Saturday, September 1, 2012
Right now, I'm going to pop in my favorite dvd and start rearranging the closet. Its an absolute mess. We will see what I accomplish! Wish me luck :)
Sunday, August 26, 2012
This next week will be spent listing, listing and listing. Ebay has been good to me this month and I thank my lucky stars for it. I hope next month will be just as kind :)
Hoping everyone has a fantastic week!
Saturday, August 25, 2012
$61 for gas
$48 for Kiddo2's school uniform shirts
$99 for Kiddo1's clothes
$120 for groceries
$36 for lunch (back to school lunch)
Going out to lunch was not necessary. We had been out all day and the lunch ended up being a good way to enjoy a lunch out together before school starts. I'm happy I was able to do all I needed to with what I had.
I'm thankful to have made some sales on Ebay and with that will be getting Kiddo1 a book bag, Kiddo2 some shorts for school and Kiddo1 a pair of shoes.
I need to empty our "back to school" jar. Whatever is in it will go to any lingering school expenses :)
I'm going to be listing through the weekend. To be "cash only" 100% of the time is our goal. Its hard but we have come so far already. I just need to keep my eye on the prize - DEBT FREEDOM!
Tuesday, August 21, 2012
Monday, August 13, 2012
So this morning I woke up MOTIVATED! Motivated to clean, organize and just get stuff done. I've already cleaned out the foyer, vacuumed the living room, vacuumed the dining room, thrown out the trash, put out the recycling, decluttered, cleaned up my new to me lamp (bought it for $3 at a garage sale), put away the clean dishes and swept the kitchen. The house has felt so cluttered that I needed to sort through a lot of this and that. I have 3 grocery bags of unwanted items to take to my Mom's. I try to take at least a bag or two once a week to her. She sells what she can, keeps what she wants and donates the rest.
Right now, I'm waiting on the kiddos to get dressed. I have to run to the bank to get some cash because our central air is not cooling and in 100 plus degree weather its needed. Luckily, despite all our bad financial decisions, we have managed to always pay for our home maintenance plan. It has saved us on more than one occasion. We pay $47 a month and a $55 service call for each visit. They assess the problem and fix it. A few things aren't covered but the majority is and its been a lifesaver just about every year. We compared what the actual repairs would have cost versus what we pay and we are getting one heck of a deal everytime.
I've also got some cooking on the agenda. I have some chicken thawing for tonight. I'm also going to be putting some beans in the crockpot. For dessert, I'm going to make some banana bread.
I have some listing planned for early this afternoon. We really need the cash so I'm hoping to put up about 10 items to add to the 10 existing items I have up. I also need to sort out some items to sell on our local for sale site. If I can make 100 dollars on the local sales by tomorrow that would be great.
Hope everyone has a great Monday and hope to catch up on everyone's blogs this evening :)
Thursday, August 9, 2012
I call it "Poor Man's Chicken Parmigiana" :D I cooked some gluten free noodles, opened up a can of crushed tomatoes then seasoned it and put some chicken nuggets in the oven. Not the healthiest nor most visually appealing meal ever but it was tasty and Kiddo2 ate plenty of pasta with just the sauce. I'm going to do our big shopping trip tomorrow. I created a spreadsheet for all my coupons and put them in order by layout of the store. If it helps me while I shop then I will keep doing it.
I updated my debt totals and it's not pretty. I could let it get me down but I must keep postive and try to continue battling the debt monster. My biggest challenge is using credit. Mr. Man and I want to pay off at least one account and close it before the year ends. We have to stay motivated and to some degree writing this blog always brings everything back in to focus for me.
Hope ya'll have a great weekend!
Sunday, August 5, 2012
This coming week, I'm going to work at home on organizing. Kiddo1's room is in desperate need of a makeover. Going to make a plan and possibly try to redo the existing furniture. Aside from that, my main focus is to bring in some extra money!
Have a wonderful week!
Wednesday, August 1, 2012
To alleviate my BTS blues, I'm going to be going to the ANTIQUES ROADSHOW!! Yay!! I applied for tickets and was lucky enough to receive two. My brother and I are going and Mr. Man is watching the kiddos. I would have loved to go with him but my Mom is going to have a full house the same weekend. Hence, no sitter. I am so excited but also a bit nervous. I'm weird like that. I'm not exactly sure what to take but it should not be too hard as we can only take two items each. I'm guessing I'll be one of those folks laughing at the end of the show about how my items are only worth a couple of dollars. We will see....wish me luck :)
Thursday, July 26, 2012
As far as our budget, its very, very tight right now. I will not complain but continue to move forward. Bills have been paid and we have been keeping close tabs on our spending. I stocked up for the next couple of weeks so I'll be cooking up a storm this week. I also plan to list this weekend. Mr. Man and the kiddos will be busy watching the Olympics so I will get to sneak off and list items here and there!
Menu for 7/26 to 8/2
Thursday - Pork Shoulder Roast
Friday - Chicken and Rice
Saturday - Leftovers
Sunday - GF Spaghetii and Meat Sauce
Monday - Cheesy Chicken Broccoli
Tuesday - Tacos
Wednesday - Leftover Quiche
Thursday - Stirfry
Sunday, July 22, 2012
Monday, July 16, 2012
Of course, throughout our trip we saved money. We packed plenty of snacks and beverages to save money on our two day drive. We only had to pay for one Disneyworld ticket since Mr. Man's niece works at Disney and was able to get us in free! My mother in law cooked some of Mr. Man's favorite dishes which saved us a ton on eating out costs.
This week is going to be quite busy and I will be so happy when it is over.
Off to finish unpacking...so glad to be home!
Tomorrowland is my favorite :)
Wednesday, July 11, 2012
Wednesday, July 4, 2012
Kiddos just about have everything they need. Hubby and I will probably try to maximize on the 4th of July sales and get what we need today.
This morning, I woke up to find some of the china pieces I had listed on Ebay had sold! I initially invested $50 on three boxes of dishes (about 100 pieces). I have already recouped my investment on 16 pieces so I'm pleased. I also had gone garage sailing with the parents and had found a couple of old bottles for a dollar each. I was happy to sell them for over $30. My Ebay sales have helped tremendously with our daily expenses. I am able to pay our bills and have money for the week.
I was also able to work in some girl time. The friendship has been a bit rocky but I decided to meet for dinner. Although I was happy to get out, I was reminded why we had not seen each other. I have made the difficult decision to take a break from this person. Oh well, be careful what you wish for!
Kiddo2 is going through cable withdrawl. I keep hearing "I need LIVE TV!" LOL!! The rest of us have fared pretty well. I have been watching my shows online and its worked out well :)
Well, I'm off to get dressed then get a few things for tonight. Kiddo2 wants to make hotdogs and cupcakes!
Have a Happy Wednesday :)
Sunday, July 1, 2012
On a totally different front, we are gearing up for our trip. I am so excited as are the kiddos. Money is at the forefront of our minds. I'm hoping we can make it through without going nuts with what we have. It would be nice to come back with some cash still in our pockets. I will be taking a break from Ebay for a couple of weeks to focus on preparing for the trip. I am actually hoping to find some inventory on our travels :)
This week I am going to try my absolute hardest to cook at home everyday. It just really wears me out doing three meals a day whether they are quick or not. As always, we will see. I was pleased to find a super great deal on makeup today. Months ago, I found a concealer I loved. Only problem was it ran 8 to 10 dollars. That was a lot to me. Went to the store today and thesame brand cosmetics were $7 off and it was priced at $7.99 so sale price was 99 cents! I bought four so I am good for a while. Is the little things. I'm planning for a frugal week....
Thursday, June 28, 2012
Progress on Goals
I survived my doctor's appointment on Tuesday.
Yesterday, I did the pizza mystery shop and the kids were thrilled.
I've listed 5 items on Ebay and hope to do 5 more today.
I am going to make a trip to get some things for my stockpile. I have been sorting out my coupons and don't want to spend any more than $10.
Cooking has been so/so, I've been a bit out of it. Putting some chicken in the crockpot and hope it turns out yummy.
Work on kiddo time....still don't know what to do?
Also will be decluttering...it never ends.
If I have time, I will be on the hunt for some clothes.
Tuesday, June 26, 2012
This afternoon, I plan on working on my goals for the week. Hoping to make some progress!
Have a good one :)
Monday, June 25, 2012
1. List at least 10 items - its a busy week and if I can list some of the fine china I purchased it will be great
2. Get Tuesday over with - have a dr's appt which I'm dreading because plain and simple- I hate going to the doctor
3. Do mystery shop on Wednesday - have a pizza mystery shop so should be easy...I will not flake out.
4. Get some clothes for the trip...we've been bargain shopping and have done pretty well. Found kiddo2 some tees on clearance at the mall - paid $11 for 3 tees. Also found some cute sandals for $15.
5. Cook every night this week...there is plenty here at home and looking forward to using what we have.
6. Enjoy kiddo time....don't want the kiddos to get lost in the shuffle of my to do list!
7. Replenish stockpiles....they are dwindling and I have to stock up on personal care items. I refuse to pay full price!
I think that should do it....I just want to have some kind of plan for this week. Ya'll have a good one!
Thursday, June 21, 2012
On a funny note, after I came home Kiddo1 pointed out that it was a no spend day because we had lunch at Grandma's house and dinner was bought by my sister who with the help of her daughter watched and fed my kiddos :) Plus my Mom came over and did my mountain of dishes. I was so embarrassed but grateful for all their help...love them to bits!
Monday, June 18, 2012
Sunday, June 17, 2012
Wrote my father a little something :)
To my Dad,
You have always been there for me, whether it was picking me up from school, driving us all over the place for vacations, helping me pick out my prom dress (albeit against your will because Mom was out of town..lol) or driving me up to college. You always have stood quietly on the sidelines cheering us on and never take any of the spotlight. You are strong, giving and kind. You are a true gentleman and I'm so blessed to have you!
Friday, June 15, 2012
Thursday, June 14, 2012
Not sure if anyone has noticed, but I added a savings ticker over here----> It was originally for Christmas but I decided to switch it to Back to School since we are always hit with school shirts, school supplies and club expenses. Let me not forget, school pictures (one set taken within the first month of school) and school fundraisers (again first month of school).
Today, I'm on the hunt for trip items. Kiddos and I are in desperate need of some shoes. And I need a purse. Its just a sad sad heap. I'm being super picky about a bag because I don't want to pay much but still want a quality item. I have no doubt I will find something. We prepaid a hotel night at a kid themed resort. Breakfast the next morning is included as well. We had planned to head to my inlaws after our one night stay but they have decided to meet up with us in Orlando for a couple of days. We are moving to a different hotel and the inlaws told us not to worry about it, they would cover it. So nice of them :) For the second half of the week we will be staying at their home. They have a pool so the kids will definitely have something to do. I am so excited!
Well, I better get crackin' and get dressed! Happy Saving :)
Tuesday, June 12, 2012
As the summer goes on...I'm trying to keep busy and resist the temptation of eating out with the kids. Up until now we have eaten a couple of times at in and out type places and kept it under $15 for all three of us. Its just hard when we are out running errands and the kiddos start getting hungry. We will see how we fare this week.
I'm listing today and hope to make a few sales by days end. I'm also putting boxes of stuff together. I think I'm going to have a garage sale this Friday. I can make a few bucks for our trip and get rid of some clutter.
On the debt front, aside from medical bills, all has been quiet. We are making progress and I'm glad to see that we have eliminated almost $4000 of debt since the beginning of this year.
Mr. Man has been down in the dumps a bit. I think he really is getting burnt out at work so our trip next month will be a welcomed getaway for him. Seeing his parents will give him a much needed recharge :)
I'm off to get things done...have a good one!
Monday, June 11, 2012
This week I'm kicking it into overdrive! Payday has come and gone and thankfully the bulk of the bills are PAID. We have a few stragglers that I will need to find a way to pay. Ebay has been going well this month. I added a nifty new page tab up top to track all the extra income coming in. I will be listing anything and everything this week!
There is only a few weeks left till we go visit my inlaws and we still need quite a few things. Luckily, I had kiddos look in their closets and take inventory of what they could use for the trip. Kiddo1 had given me a laundry list of items beforehand. We managed to cut the list in half. Kiddo2 was easy since we found 2 brand new shirts in the closet. I had bought one on clearance for $1.75 and the other was free (used a gc my parents had given us since they hardly shop at that particular store). Coupled with two shirts we had purchased ($10 for both). I'm thinking of going to the thrift store to see if we can find a few pairs of shorts for both. Clothes for Mr. Man and I will be a bit more challenging but I'm gathering as many coupons as possible to help.
We did some food shopping this week. We bought and separated all the meat we needed for the next couple of weeks. I'm trying to keep our dinners interesting. I'm going to try a leftover quiche today and see how that works. I was inspired by Life After Money and Frugal Queen. I love their food pics and recipes. At the risk of sounding corny, their views on life and money have really changed my family's life.
Got to skedaddle! Hope everyone has a great week :)
Friday, June 8, 2012
Anywho...this week we were determined to get by. We started out the week with little money and a need to grocery shop. Thankfully, my ebay sales were good and I also finally got around to selling some scrap gold. They were items I didn't intend on ever wearing again or needed repair. Nice bit of change :) I was able to grocery shop, buy some things we needed for our trip next month and gas.
Tomorrow I will be doing my big trip to the grocery store. I am going to stock up on meat and fruit/veggies. I'm also going to go through my coupons so I can continue stocking our pantry. The pic below is my first homemade chocolate cake. It came out okay...I don't think I'll ever make it again. Going to try a vanilla cake recipe this weekend. Hopefully with better results!
Have a great weekend :)
Tuesday, June 5, 2012
Hope everyone has a good one!
Update: Just realized there will be no one coming to connect Internet service. Its DIY. Guess its on the Honey Do list. Well, at least I cleaned up my desk and kitchen. And all before 10am!
Friday, June 1, 2012
- Do Laundry all day (load/unload as I come and go)
- Go to Kiddo2's school to pick up paperwork
- Take Kiddos to the park - they need some sun :)
- Mail Ebay packages
- Figure out lunch!
- Clean bathrooms
- Sort through closets (thinking about putting up a yard sale tomorrow)
- Wash dishes (I have a dishwasher but don't like using it)
- Make dinner
Saturday, May 26, 2012
This summer will be a great transition period...I just cancelled my newspaper subscription. The majority of the time I read it online anyways! We have made the final decision to cancel cable and our landline. The landline will be the hardest to let go just because I see it as a safety net. Hubby just signed us up for internet service with a different company. Had to change since we are currently signed up with cable company. We will be saving $115 a month between both. We are also hoping to reduce our phone bill by downgrading our plan. We really have been evaluating what we really need...although nice to have we really weren't watching much television plus our all inclusive phone plans (although nice) were a luxury. So, in order to push along our progress in our battle against debt we need to cut expenses.
I'm also headed to the grocery store today to stock up on essentials. I see lots and lots of cooking in my future :) I'm pretty excited because I'm so inspired my all of you and your wonderful pics and recipes.
I love having the kiddos home! I'm hoping we have a great summer :)
Thursday, May 24, 2012
I'm a little late but here are this month's debt totals:
Mortgage - $91,640
Auto Loan - $20,706
Loan - $ 5,889
CCA - $ 8,489
CCB - $ 4,675
CCC - $ 1,851
CCD - $ 1,803
CCE - $ 1,200
CCF - $ 2,069
CCG - $ 1,300
CCH - $ 1,330
Medical - $550
Medical - $544
Misc - $125
Wednesday, May 23, 2012
Sunday, May 20, 2012
Wednesday, May 16, 2012
Sunday, May 13, 2012
Saturday, May 12, 2012
Mr. Man: Let's go out to breakfast?
Mr. Man: Some pancakes sure sound good!
Me: I'm not in the mood for pancakes.
Mr. Man: You can have some eggs at the restaurant.
Me: OR we could make a dollar worth of eggs at home and save money.
Mr. Man: (in a defeated tone) You're right.
And breakfast is served :) Nothing fancy but it will do!
Wednesday, May 9, 2012
Ugh....I am so overwhelmed with debt lately. Thankfully, Ebay has been great so its helped with day to day expenses. I however need to figure out how to cut more expenses out. I would really like to put the money towards debt but right now we are in a neverending circle of debt. I'm determined to win this battle so I need to keep motivated. Any hints, ideas or strategies that have worked for ya'll?
Saturday, May 5, 2012
There is a lot going on with Mr. Man's job and after 14 years with the company he is considering leaving. It seems they are going to cut his pay again all the while praising him for his job performance. So I'm bracing for the job change....I'm a bit scared but he needs to be where he is appreciated. He is not worried about finding another job but in the beginning it will be a pay cut.
I'm trying to bring in some extra cash and started to list on Etsy as well. Ebay has been picking up so that is encouraging. Mr. Man wants to visit his parents this summer so we are buckling down to afford to make the trip. We will need at least $2000 total for gas and expenses for the week. It will definitely be a much needed recharge for all of us :)
Parting shot is of last nights dinner : Arroz con pollo translation Rice with chicken ;)
Wednesday, April 25, 2012
ATM - $20 (covered breakfast for Mom/Dad & lunch money for Kiddo1)
Corner Store - $6 (2 Drinks and Pistachios - snack for Kiddo2 before appt)
Gas - $61 (filled up the tank!)
Groceries - $126 (got 90% of what I needed for the week)
Pic is of tonight's dinner...four servings for $10 total....definitely better than eating out!
Tuesday, April 24, 2012
Monday, April 23, 2012
Kiddo2 needed some things for lunch so I decided to head on over to Walmart and see what I could get for under $7.23 (the balance of a visa gift card I recently got in the mail). Here's what I purchased:
One 6 pack of Lays potato chips -2.18
One carton of strawberries - 1.88
One 10pk of 100% Minute Maid Juice - 2.98
One small package of Schar's Gluten Free Wafers (can be used for two lunches) -1.67
Used a $1 off Minute Maid coupon
Used a $2 off any Schar's product coupon (WM gives overage which is a plus)
Total was $5.71
Balance remaining on gc - $1.52
On my way out the store, I returned my cart and found a $3 coupon sitting in a cart for another grocery store which will get me $3 in baby food free (Kiddo1 and I love eating the banana baby food as a snack...lol).
Its literally the little things in life that make me happy :P
Saturday, April 21, 2012
Wednesday, April 18, 2012
Monday, April 16, 2012
Daily Spending for 4/15/12
Toll Bill - $6.00
Now I'm off to work on cleaning out my closet...I think I can...I think I can!
Sunday, April 15, 2012
On the spending front we are doing so-so. So many things have come up that it's driving me a little batty. We have end of school dances, charity walks, school pictures and yearbooks. Its a bit insane! I'm trying my best to get a handle on things and well at least for now I can say we aren't completely broke!
To keep myself honest and accountable here's a list of what's been spent:
$20 ATM (bought Mom and Dad breakfast - took to their home)
$19 Pharmacy (Soup, crackers, meds and tea for Dad - he's been feeling sick)
$48 SAMS wholesale club ( best money spent this week for bulk food items)
$65 Kohls (Clothes for the Kiddo2 - running shoes and outfit for picture day)
$7 McDonald's (no excuse other than I was hungry)
$60 ATM (school dance tickets and March of Dimes donation)
$22 Grocery store (Teacher's bday gift and a few essentials)
$20 ATM (fun money to spend on my Mom)
$13 Target (paid portion of Kiddo2's DVD for doing extra chores plus a couple Easter items for next year)
$51 Gas (filled up the car)
$4.50 ATM charge (I hate paying ATM fees!)
$8 Grocery Store (bread, cheese and popscicles)
Hoping next week's spending will be a whole lot less!
Borrowed this from Economistmom.com:
Tuesday, April 10, 2012
I also have been writing down my daily spending. I figure I would log it in here as well. Its funny how long it takes to make money but how quickly it goes...
Daily Spending for Tuesday - 4/10/12
Clothing - $55 (Clothing for Kiddo1 and I)
Fast Food - $10 (Bought breakfast and lunch while out today)
USPS - $6 (Ebay Shipping)
Dollar Store - $10 (went in for packing tape and found a few things for Mother's Day)
Target - $71 ($56 for grocery/healthcare basics and $14 for food/drinks at the Target cafe)
Total Spent - $149
Yikes...preferred to not buy any food out but I was out of the house all day. I'm aiming to not buy any more fast food this week. We'll see.....
Monday, April 9, 2012
Today, is slow going but I'm going to continue decluttering. My room is the biggest challenge. I want it to be a place of serenity versus what it currently is...chaos. Don't think I'll finish it today but if I can get it done by Friday I would be beyond pleased!
On the financial front, bills are getting paid which is a good thing! We have been tossing around the idea of a no spend month. Has anyone done this and if so....how did you prepare? We are thinking June since the kiddos will be out of school. I'm a bit apprehensive but Mr. Man is all for it! I guess we know who is the spendthrift...me!
My parting shot is my niece hitting the second pinata!
Thursday, April 5, 2012
Moneywise, we are in the crapper but I am happy to say no credit cards are being used so that is a positive. Tomorrow I will use to list on Ebay and hope to make a few bucks. Yesterday, I had been running around all day and knew I would be running around some more this morning. I told Kiddo2 I would buy lunch for them and bring it buy. Kiddo2's response was "No, I don't want that. We have plenty of good food at home." Out the mouths of babes...it was really nice to hear that. I felt myself losing what little grip I have on my finances and that comment brought me right back where I needed to be!
Tonight, I am going to declutter some more. My house is a terrible mess and I want it back to a somewhat neat state. We will see how much progress I can make...
Saturday, March 31, 2012
Mortgage - $91,836
Auto Loan - $21,589
Loan - $ 6,197
CCA - $ 8,251
CCB - $ 4,738
CCC - $ 1,889
CCD - $ 1,801
CCE - $ 1,239
CCF - $ 1,774
CCG - $ 986
CCH - $ 1,285
Medical - $ 468
Medical - $ 544
Misc - $ 125
I'm pleased to see progress. Some days it is harder than others and we feel as though we should go out and splurge on something huge. Then we think about it and realize we don't need much. Its such a hard habit to break.
To help keep us occupied we have planted a couple things in our garden box. Last year, we went a little crazy and wanted to plant everything and while most of it did grow...the space was too small. This year we decided to plant just cucumbers and onions. Our cucumbers did really well last year and this year they have already sprouted. I also have planted a tomato plant and the kiddos planted watermelon and broccoli. Kiddo1's broccoli has already sprouted. Its so rewarding for them to see something grow from such a tiny seed. I'm excited and already want to plant a few more things!
Here are a few pics. Mr.Man made a cover for the box because a opossum had been getting into it for quite some time now.
Tuesday, March 27, 2012
My desk is in total disarray so I will be working on that today. I also have a dentist appointment and I'm not happy about it. First, its the dentist and it is just sensory overload for me. Second, the out of pocket expense today is $298. Its so much money to me but I need to take care of myself. I always make sure everyone keeps their appointments and always put off mine because of the expense.
On a brighter note, I've printed out a payment schedule to pay off CCE. If all goes well, we should have it paid off by October. Seeing my debt total drop little by little is so encouraging. Although at times it is hard, I know we are on the right path to financial freedom!
Friday, March 16, 2012
Soooo...I haven't really mentioned how its going with the money jars. Its pretty much at a standstill. We have been withdrawing anything we don't need for the week out of the account and putting it in a second account Mr. Man has had for a while. He really never used it and figured it was out of sight...out of mind. I have to say its working. We are cooking soooo much more and trying to find free things to do to entertain ourselves. I do have the jars above my desk and they are a reminder of what our priorites are. I'm a little sad it didn't work for us but I think the concept has done wonders for how we look at our monthly expenses.