Saturday, August 29, 2015

Frugal Win/Fail

Win:

1) I picked up 2 shifts to work this week. My mom babysat one day, and I worked very, very early in the morning before my husband left for work for 2 half days to avoid needing a sitter. Getting up before 4 am was very painful though.

2) I read 3 magazines on the Ohio Digital Library, and borrowed two more Magic Tree House books and a Dragonbreath book for my son.

3) I sold some of my son's 4T clothes to a friend's neighbor for $28. We had a play date at my friends while we went through the clothes. My friend Diane is graciously helping me sell the 4T clothes her neighbor didn't want at her Twin Club sale coming soon.

4) I stuck pretty close to my $60 grocery budget this week.

5) We decided to take a break from gymnastics class for our 4 year old for the time being, which will save us $55 per month.

6) I ate out Saturday afternoon using a gift card.

7) My husband took our 7 year old to his work's company picnic. It offered a free meal, play area, bounce house, and miniature golf.

8) We had to provide snacks for Robotics team this week, and we sent grapes that my mother brought to us and a box of cereal bars we had already.

9) I watched shows on Hulu and Netflix for entertainment while I walked on our treadmill desk, as well as through the PBS app on our Roku.

10) My mother brought 2 loaves of bread and a cantaloupe with her when she babysat.

11) I interviewed a mom in the neighborhood about babysitting my kids while I work a few days a month. It is 2 streets over, so we walked there and back and spent a while over there seeing if it's a match. I ended up hiring her, which means I won't have to worry about extra taxes for an in-home employee.

12) I baked a loaf of bread, and a couple dozen cookies.

13) I only drove Sunday (for our play date), Wednesday (a meeting at school), Thursday (dance class), and Saturday (shopping and out with some friends).

Fail:

1) I threw out a couple bad bananas, and some greens that were dying at the bottom of the crisper.

2) I spent all Friday doing grad school homework, and we ended up spending $30 on pizza.

Win/Fail:

1) After dance on Thursday, there were a half dozen hot air balloons flying over our town, so my daughter and I got ice cream and sat in the van watching them.


Tuesday, August 25, 2015

Menu Plan- Last Week of August




Monday: Hunt and Peck

Tuesday: Roasted Potatoes Huevos Rancheros (this was a hit last week)

Wednesday: Lentil and Onion Sandwich Spread over Rice

Thursday: Italian Sausages (from freezer), Sauteed Peppers and Onions, Rice

Friday: Hot Dogs (or Veg Burger), Corn, Peaches

Saturday: Hunt and Peck for family (I am out with friends)

Also making:
Bread
Cinnamon Rolls
Oatmeal Raisin Cookies


Sunday, August 23, 2015

Shopping Trips- Last Week of August



Kroger: $33.50

(Not pictured) My husband decided he would "help" me by stopping at Kroger and picking up a few things. Of course, he did not remember I was in the middle of a challenge and trying to keep this week to $60. He bought soy milk, almond milk, Clif bars, and my son picked out watermelon, cantaloupe, and blueberries as his treat. 

This of course caused me to quickly replan my Aldi trip and menu plan for the week. 

Aldi: $32.48




Weekly total: $65.98, which is not terribly above where I wanted to be.

This is the last week of the month, so here is my total for the month:
$97.90 + $184.64 + 61.28 + 65.98 = $409.80

This is just slightly above the $400/month I plot out for myself, but averages out to $2.73 per person per day. That is still pretty fantastic.

It's been interesting challenging myself to keep our budget around $60 each of the past 2 weeks. We have been eating just fine, and keeping our food waste within check more than usual. (Did you know the average American wastes 20 pounds of food per person per month?)

After receiving my $125 Visa card in the mail from the research study I completed recently, I am thinking it might be fun to challenge myself to sticking to the total of that gift card for the next 2 weeks. I will then transfer the $200 I would usually withdraw for my grocery trips to my Capital One 360 account.

This account is where I put my savings for my Roth IRA and Vanguard investments accounts. My goal is to use my small part-time income to not only pay for our food, clothing, kids' activities, school fees and supplies, entertainment (Netflix, Amazon, Hulu, and outings), internet, preschool, and medications/medical copays, but to max my Roth ($5500) and put $3000 in investments every year.

We still have plenty of staples and a full freezer, and the pantry can use some thinning. My plan for the next 2 weeks, then, is to stick to a budget of $62.50 per week for the next 2 weeks. Can I do it?


Friday, August 21, 2015

Frugal Win/Fail

Win:

1) I sold my Angelcare Monitor on Ebay for $40 to someone local. We met in a parking lot to do the exchange. It was nicer than craigslist, because she had already paid via Ebay and I didn't have to ship it.

2) My husband sold 4 boxes of books at Half Price Books for $28. Of course, he bought one book there for $4! Net income: $24.

3) Friends came over to hang out on Saturday. They paid for pizza (thanks guys!), and we supplied beer. I made cold brewed mason jar tea and homemade cinnamon rolls.

4) I bought reusable juice boxes for my son to use at school on Amazon, as well as some crackers and cookies. I used my $5 Prime Pantry credit and $12 in Discover cash back so I spent only $10 out of pocket.

5) I kept my grocery spending to $60 this week to keep us within our $400 monthly grocery budget.

6) I picked up 2 work shifts, and my mother babysat for free.

7) We rented a Redbox movie using the free Redbox code I got last week.

8) I only drove Monday (medical appointment and 2nd grade meet and greet), Thursday (dance class and robotics club) , and Saturday (gymnastics, shopping, and free company picnic).

9) I cleaned the bathroom toilets with a baking soda/borax/vinegar mixture I saw on Pinterest.

10) I have two potential lots of boy clothes I may sell. I hope to meet with the buyers this coming week.

11) We packed lunch every day for my son and once for my husband.

12) I finalized my new Capital One 360 Savings account and set it to automatically transfer $250 every month. If I do that for 12 months successfully, it will be $3000 towards my investment accounts in one year. My monthly income is variable, so this could sometimes be a challenge.

13) Watched some shows on Hulu and borrowed some more Magic Tree House books for my son on the Ohio Digital Library.

14) I received a $10 rebate check in the mail, plus the $125 Visa card from the research study (they were very prompt!).

Fail:

1) Ordered pizza Thursday night for $30.


Wednesday, August 19, 2015

Shopping Trips- 3rd Week of August

Farmer's Market: $4 for tomatoes


Kroger: $39.31 (the parchment paper was $3.99 and comes out of the $25 per month household expenses). $10.49 of this was beer!


Aldi: $17.97 (Ignore the beer- I was not moving that heavy sucker from the counter)


Total for week: $61.28

I am just slightly over my $60 planned for this week and next. I have already plotted out Saturday's shopping trip, and think I can make it within that amount too.

Sunday, August 16, 2015

Menu Plan- 3rd Week of August



Sunday: Slow Cooker Chicken Carnitas (I will mix with black beans when done), with tortilla, lettuce, cheese, tomato, and black olives. Cucumber and Tomato Salad.

Monday: Vegan Lentil and Potato Dal over Rice

Tuesday: Roasted Potatoes Huevos Rancheros

Wednesday: Lentil and Onion Spread on Fresh-baked Bread, Broccoli

Thursday: Hunt and Peck

Friday: Hunt and Peck

Saturday: Hunt and Peck




Saturday, August 15, 2015

Frugal Win/Fail

Win:

1) After visiting family for several days, my generous MIL sent us home with a ton of food bought for our kids that we didn't eat there. We came home with ham, hot dogs, bread, buns, cereal, chocolate milk, crackers, fresh veggies, juice boxes, and fresh fruit.

2) I read a magazine on the Ohio Digital Library.

3) I completed the follow-up conference call for that research study I did last week and earned the extra $50.

4) We used a $4 off coupon at Bob Evans on our way home from our trip.

5) I opened up a Capital One 360 Savings account that earns 0.75% interest (higher than our local bank/credit union). I am making planned automatic transfers to this from every paycheck and any freelance income will go here. This will keep my freelance income separate for tax purposes and I hope to make a lump sump into an investment account at the end of the year this way. Making an automatic savings transfer is a great way to save, as you are used to spending only what you have left.

6) I got a free Redbox rental code.

7) I picked up 2 work shifts. For one shift, I got up very, very (painfully) early and worked before my husband left for work to avoid having to pay a sitter.

8) My mom picked up 6 jars of Jif peanut butter for $0.99/each at Meijer this week while we were out of town. When she dropped them off, she also gave us two huge bags of grapes.

9) I went to Sam's and stocked up on bread flour, all purpose flour, raisins, almonds, apple juice, and Clif bars.

10) We did stick to our $300 vacation budget (about $120 for gas, $80 for food, and $100 to get 3 kids and 6 adults into the Zoo).

11) I got a $9.06 Ebates check in the mail.

12) I used a $5 Prime Pantry credit and $12.06 in Discover Cash Back to get a 6 pack of reusable juice boxes, a box of Pepperidge Farm cookies, and some crackers on Amazon for only $10 out of pocket.

13) My mom brought a Cassano's pizza (yum!) for the kids when she babysat.

14) I used a Hulu gift card bought on Ebay with Paypal funds from items I sold to buy a year of Hulu. We are happy with the TV selection, and it looks like the shows I usually bought on Amazon (Dr Who) we can watch on Hulu as they come out.

15) I took a Kroger survey to get $1.

16) We hit up a new park as part of our last day of summer vacation fun.

17) School starts Tuesday for us. So far the only things I have bought are backpacks, dance uniform, reusable juice boxes, and supplies the PTO sold as a full supply kit.

18) I used a coupon to get a free clothing item from Once Upon A Child (a long sleeved shirt for my son).

19) I signed up for automatic payment of my daughter's dance tuition to pay $10 less per month.

Fail:

1) My mom offered us an evening of babysitting for a date on the fly Monday night. We went to try a new restaurant and spent $80.

2) We had to get milk after coming back from vacation. After 5 hours in the car with a screaming toddler, we made the closest and fastest stop, instead of going to Aldi, meaning milk was $3 per gallon.