Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Wednesday, October 1, 2014

Saying goodbye to September...

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Wow, I can't believe it's the first of October already. September just flew by! I guess, the weather does remind us that winter is right around the corner. It will be 39 here tonight - time to change that furnace filter already... sigh... glad not to have summer heat any more but so not ready for cold weather...

September was also full of all kinds of doctor's appointments for me. I gave up on trying to stay within our medical budget. We get some sort of bills it seems like every other day. Anywhere between $12 and $1200. The good thing is that it's slowly chipping off of the big sum at the end when the babies are here. The bad is that it's all new for us. With both of our boys, we would get one global bill at the end with another one from the anesthesiologist. Now I just keep writing checks...

On a good note, the babies are growing and very active. They measure about a week ahead and are gaining weight steadily. I, on the other hand, have lost two pounds since my last appointment. So far I only gained 18 pounds with this pregnancy which is way less than it was with my boys by now. Granted, I started a little bit on the heavier side and my doctor is not concerned but it still feels weird to lose while the babies are gaining... I told you this GD diet is kicking my tush... And I'm measuring as if I'm 38 weeks (with a singleton pregnancy) at not even 30. That's kind of crazy!! I know I have 2 growing there but it's scary to think how big I'm going to get...

We decided to increase our grocery budget at least for the month of October to accommodate my new needs and also meal freezing. Last month we added just $50 to shop for freezer meal ingredients. I don't know who I was kidding! Meat alone costs so much more than that! I comfort myself with the fact that if I'm prepared, we won't need to shop much in November or December. Because I doubt we will have time for that :) 

Otherwise, I'll be taking it easy and slow in October. No big goals here. That feels weird! I'll be packing a hospital bag, finishing the little things in the babies' room and working as much as I can since it might be my last paycheck for a while...

And what are your goals for the next few upcoming months?
 

Wednesday, August 27, 2014

Getting ready...

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I mentioned before that we are trying to clear our our freezer as much as possible so I can stock up on freezer meals for the first few weeks after the babies arrive. I did the same thing when our second son was born, and it was literally life-saving. I've never even thought of doing it with my first (I wish somebody would have taught me a few tricks before I became a Mom...), and when I ended up having surgery ten days after the delivery, our fridge was BARE. Thank goodness for some Church ladies who helped out my Mom who basically replaced me for a week while I was recovering. They cooked for her, shopped for groceries, brought diapers and anything she could've needed since they didn't speak each others languages. I will be forever grateful for their kindness...

But it pays to be prepared... So over the weekend I created a list of meals I want to try and a grocery shopping list. I'm not going to share with you my shopping list because I don't have a fancy spreadsheet. It's more of a homemade, let's-do-it-now kind. But I thought some of you might enjoy some of these great meal ideas even if you are not pregnant :)


Stuffed bell peppers - http://www.lovingmynest.com/food-love/stuffed-bell-peppers/
  
 

















Chicken Veggie Soup - http://www.recipe4living.com/article/freezer_ready_chicken_veggie_soup_and_more_freezeable_soup_recipes.html

Mini meatloaves - http://thebetterbaker.blogspot.com/2011/04/mini-meatloaves-from-make-ahead-meals.html

 

We will be increasing our grocery budget for September to accommodate some of these meals and other ones (like basic tomato meat pasta sauce, pesto sauce, muffins, waffles etc). I'm not sure how many of these ideas I will use, but I can see some of them becoming part of our regular menu rotation. Yum!! I would love to be done with most of it by the end of September if possible or my husband will have to learn how to cook, lol!! :) I'm already getting uncomfortably big and I still have 13 more weeks to go. Yikes!!

Friday, May 30, 2014

The Frugal Fridays. Gearing up for the new month.

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Hello, my dazzling friends,

How's your Friday? Do you have any fun plans for the weekend? Are you ready for summer???

I can't believe it's almost June. We have only 4 days of school left, and this Mom is a lot more excited about it than my kid. I'm a weirdo this way - I love to spend time with my boys. I know, I might change my mind by the time they hit puberty but I'll enjoy it while I can :)

We are trying to gear up for the first summer month financially too. We had our big budget meeting today, and let me tell you - it will be painful! We have our getaway for just the two of us coming up at the end of the month (we are going to San Francisco, baby... I can't wait! We desperately need it). But there are some other big expenses coming up. We have a big doctor's appointment for our dog coming up - he needs shots, heart worm meds etc. He also needs to be groomed 'cause he's getting really shaggy. Also our minivan needs emission and registration, and last year's registration alone was $170. Grrrr!

So yeah, it aint' pretty, it will be one expensive month. With this in mind, we decided to try to keep all the other expenses on the low side. My boys desperately need some pajama pants but I might look into cheaper fabric to make them. The grocery budget will also stay the same for now. We will be really tracking every penny to see where it takes us. Hopefully, with warmer weather the produce will get cheaper, and we’ll be able to stick to lighter meals and lots of salads.

We do not anticipate putting anything into savings but, hopefully, we won’t need to dig into savings either. Keeping fingers crossed!

On the other hand, I managed to tuck away $310 in May. It’s not quite the $400 that I wanted but it still puts us up to $3910 in savings out of our yearly goal of $10000. Not bad at all!

Tuesday, May 27, 2014

The master plan...

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Who gets sick in 90 degree weather?? This gal!!!

I have the worst head cold right now... It started on Saturday but didn't fully "blossom" until yesterday. I stayed away from the computer most of the day but I'm still pretty miserable. I got all the fixings for the "Magic potion" but I just can't make myself drink anything even remotely warm right now.  WAAY to hot!!! Bleh... So I've been mostly just enjoying a teaspoon of honey here and there and hoping that it will do some good. I really want my sense of smell back...

But thank you all who left comments here the past few days. And especially for those who shared some ideas on the last "Frugal Friday" post. As I mentioned before, it's getting tougher and tougher for us to stay within a budget. So I decided to take the last $25 of our May grocery budget and try to stretch it through this whole week. Yeah, I know, quite ambitious of me :) But, honestly, we don't need much. I did not have a chance to organize our fridge or make a menu like I usually do on Mondays (believe me, even if something died there, I wouldn't be able to smell it... It makes it harder to go through leftovers and such). But I think, we should be mostly set. I already know that half of this will go towards milk because I found a great sale this week for a gallon for only $2.39 (Walmart sells milk for $3.08 right now!!), so I'll be buying a few gallons.

Then at the end of the week we will do a huge assessment and really crunch some numbers to see whether or not we need to adjust our budget... I'd rather not do it but it might be inevitable. Summer is usually a little more expensive for us but we will also have some bigger expenses this year (more on this later), so it's very important to do our best to stay within a certain amount.

And this is our master plan for now :)

Are summers more expensive for you or less? Did you have to make any adjustments to your budget recently?


Friday, March 28, 2014

The Frugal Friday.

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As I've mentioned before, the upcoming summer season is not a cheap one for most people, and we are not an exception. With a new month right around the corner, we decided to spend extra effort to stay within a budget, even if it's a little inflated. The thing is, our budget is never set in stone. There are some bills that are more or less constant and change, maybe, once or twice a year. But other things tend to adjust depending on our needs and sometimes wants. And I'm OK with that, as long as we do our best to stay away from debt for which we use savings or special accounts (like Christmas or traveling fund). We try to be prepared when the sky is clear...

Why am I telling you all this? Well, I still need some help or a reminder once in a while on how to stay on track. I was inspired by some of the bloggers to take an extra look at what efforts they put into staying on the path of frugality over the week.

And I decided to create "The Frugal Friday" - Friday when I will look back and see what thrifty steps we took, deals we got, and any other budget-related thoughts or efforts. Maybe, I will write about 5 frugal things that we've done last week or I, perhaps, I would just boast a little that we stayed under a budget or that I went to the store only once that week (yea, like that's gonna happen...).

Anyway, I want you to join me :) Come over here every Friday starting next week and share your penny-pinching success with all of us.

And to finish on a frugal note, check out this awesome chair that I have scored completely free from the local classifieds.

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It needs some help, a coat of paint, an arm has to be reattached and the cushion reupholstered . But I'm so excited about it and already know exactly where it's going to go :)

So will you join me on the Frugal Fridays???

Thursday, February 20, 2014

Why your budget might not work in my kitchen...

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Have you ever had a moment when you do Google search for ideas on how to lower your grocery budget only to end up biting your nails in frustration when you read how some people feed their families on like $30 a week, and others spend only $200 a month on food for a family of six? Do you second-guess yourself wondering why, no matter how hard you try, you just can't achieve numbers as low as some other frugality ninjas?

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The truth is, you cannot use somebody else's finances towards your own family, and it applies to your groceries too. There are many reasons for it. I want to talk about a few today:

 Location, location, location. Food is expensive! But in some areas of the country it's even more bank-breaking than in others. The amount of money you spend on food varies from location to location going from a few cents to a very significant amount. For example, the average price of 1qt of whole milk in NY (according to Expatistan) is $2.97. For this price, I can buy a whole gallon and throw in a pint of cream too if I find both on sale. I can definitely stretch my hard-earned dollar much further (Granted, my salary cannot compare to the average income in NY either. But that's a whole other topic...). Proximity to the stores also plays a huge role in creating a budget. Businesses tend to have a competition to lure the most clients in, and if you have plenty of stores close by, you can use it to your advantage by shopping only for loss items. But if your closest store is about 20 minute drive, it will be much harder to find the same nice deals and sales. Again, it all comes back to the location.

 Your preferences and needs. Your diet plays a huge role in how you calculate your monthly expenses. One of the best ways to cut on groceries is go meatless a few times a week. With that said, being vegetarian or vegan doesn't always mean that you will spend significantly less. The most important part of our nourishment is to have nutritional balance. If you replace animal products with expensive processed vegan food, you, probably will spend the same if not more. No matter what our preferences are, it's important to have nutrients, carbs, vitamins and minerals in our diet in a good, healthy proportion. Hence, the best way to cut on expenses is to eat whole foods on sale like seasonal fruit and vegetables, dried beans instead of canned, real meat opposed to over processed hot dogs or chicken nuggets. Eating organic will also bump the price ticket but with using less, buying local and cooking at home you can definitely lower that number. Not even mentioning the health benefits...

Another important thing to remember are your needs. I'm talking mostly about health needs. For example, if you have food allergies or intolerances, no matter how hard you try, some things are just going to be more expensive then the others.  Again, shopping sales can help some but, more than likely, your budget will be higher than for most people who don't have to face the same issues you do.

Size, gender and age of the family members. I can just see some of you, mothers of teenagers, chuckling out there. We all know that teenage girls usually eat slightly more than a duckling, and boys are just bottomless pits. The size, gender and age of your family's members play a huge roll on how you calculate your expenses. The level of activity can also be a determining factor. A few years ago I read an article about a Polynesian family who had two high-school age sons who played for their local football teams and were drafted by some prestigious colleges. Among other things their Mom mentioned that they go through at least 4 gallons of milk every week trying to keep up with boys' needs and necessary calorie intake. I remember giving an extra long look at my baby boy I was cradling  in my arms back then, mentally calculating how many part-time jobs I would need to land by the time he hits high school.

Your own resources and circumstances. One of my most favorite parts of our back yard is our garden. I spend countless hours in there happily digging through piles of dirt and spreading beautiful manure everywhere while constantly working on creative plans on how to lower the amount of weeds that tend to grow overnight and are not scared of anything. But even though it really helps with our expenses over summer, gardening takes time and space that many of us don't have. We can definitely take advantage of buying from farmers or trading help for produce with friends but if you live somewhere in the middle of Manhattan, even these options are very limited. Knowing what is available to you will really help to make the right estimation of what you might need and how much it would cost you monthly. Other circumstances like working long hours can also be a determining factor. I do believe that even if you have to work like crazy, there are many ways to avoid going for fast food (like cooking in bulk once a week or using a slow cooker, to name a few). The previous generations did not have the luxury of food prepared for them, and they were healthier than we are right now. There is something we can learn from them, that's for sure :)

In the end, the most important thing to remember is that even though the quote "much to learn you still have" (in the words of ever-inspiring Yoda)applies to most of us, we need to find what works and stick to it. You and your family is what really matters, and there is no reason to be upset that you cannot go as low as some others if you do your personal best (the last phrase might or might not have been inspired by me braking a promise to myself not to watch too much Olympics :)

What are your thoughts?

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