Jump to content

Blogs

Medieval reenactment

Just some pics of what we do for fun.   The travel trailer when we bought it:   After we fixed it up:   Some furniture that DH built for camp:

Zaga

Zaga

The end of 2011!

We are $3665.87 lighter than we were in July. Not as much as I hoped but other changes were more significant. We enjoyed our first year being cash only, our first cash only Christmas, and our first months on a budget. We will be leaving 2011 with one more debt than we started but a year from now we will be hopefully down three and making good progress on the 4th. Three of our debts are thankfully with a credit union where way more goes to principle than interest so we are always making progr

mayday

mayday

January's Monthly Menu

So here is the menu that I came up with for this month........it was a lot harder than I thought it would be because I was trying to have variety and please most of the people here.   1)Roast chicken, rice, veggie 2)Pizza, fruit 3)Shepherd's Pie 4)Shepherd's Pie 5)Hot dogs, mac and cheese, veggie 6)pork ribs, salad, veggie 7)Chicken tacos 8)pulled pork sandwiches, tater tots 9)Grilled chicken salad, garlic bread 10)Cheeseburger Pie 11)Chicken and dumplings 12)Chicken and dumplings

jwhit7791

jwhit7791

Update, 2 months in

Here are the goals I wrote out at the start of November, then my progress.   1. Pay Sallie Mae off by the end of this year, this should be relatively easy. Done! Yippee!!!!!! This should clear the bank tomorrow. 2. Fund Roth's enough to get to 15% before the end of Feb. I anticipate needing $3K for this. For next year we have the 401-K's up at 15% so there will likely be no Roth contributions next year, we needed the tax break in 2012 more than ever. Probably not going to do this. We'r

Zaga

Zaga

Our New And Improved Budget

I just got done going over our old budget and updating it for our new lives here in NJ. I have had the numbers in my head for a while but sitting down and writing them down really helped   Income: $2,296 Groceries: $600 Gas: $135 Misc Exp.: $400 Blow money: $100 ($50 each) Home Phone: $3 Netflix: $8.35 DH haircut: $20 Tracphone: $60 Hulu: $8.35 Internet: $58 Life ins

mimi

mimi

One Chicken Three Meals.

You know I read a lot of frugal blogs and books in the search for how to save every penny I can around here. Over time I have read several different large family blogs that have all claimed to be able to use ONE chicken for THREE meals. Now for a long time I have sat there and looked at that statement in wonder. How in the world is one tiny little chicken supposed to feed 7 people three times? Well we finally managed it and I thought I would share how we did it   Day one: Roast chicken with

mimi

mimi

January's Shopping List

Here we go again.....   10lbs chicken breasts 12 lbs ground beef 3 lbs cheddar cheese 1 pckt. Italian dressing 1 cream cheese 2 pks frozen broccoli 8 oz cheese wiz Fried onion's (Frenches) Parmesan cheese 2 salsa's 4lbs Mozzarella green chili's 8oz sour cream diced olives dry black beans 1 BIG can diced tomatoes (costco) cumin chili sage rosemary lime juice lemon juice Tortilla chips onions cabbage Hot sauce celery carrots 14oz saurkraut 15oz Garbanzo beans salad

mimi

mimi

January's Menu

I have been working up January's menu today and think I have it done.   All meals are in the order they will be served:   Spaghetti and Bread Layered Dinner Casserole and Bread Mexican Chicken with corn and Rice (crock pot) Leftovers Tortilla Soup with Salad and bread Pizza and Salad Taco's and Spanish Rice Roast with green beans and rice Black bean chili with rice Hamburgers with homemade fries and corn Spaghetti and bread Creamy Chicken with green beans and rice (crock pot) She

mimi

mimi

Middle Of The Month Progress Check

So today is payday for us and also the time when we look at our monthly budget and see how we are doing. This month is a bit different since we started doing the once a month shopping and menu planning.   Normal budget: First two weeks... Food: $400 Snowball: $200 Second two weeks.... Food: $400 Snowball: $200 Total Food: $800 Total Snowball: $400   This months budget: First two weeks... Food: $650 Snowball: $0 Second two weeks... Food: $90 Snowball: $500 Total Food:

mimi

mimi

My Journey To A More Frugal Christmas

The past few years have been interesting. I come from a family culture of huge gifts, and it's not really just about materialism, it's about thoughtfulness, getting people things they wouldn't get themselves, personalized gifts, and seeing the smile and joy on the faces of people I love when I get it right. With my mom though, giving gifts has always been an expression of love.   Let me say this year I still haven't fully achieved a frugal Christmas, but at the same time, I'm thinking about

namaste

namaste

Ffef Safe From Me!

Man if I had not put that FFEF into CD's, I would likely be sending a hunk of it into the feds as an estimated tax payment.   We increased our withholding this year, but it still didn't make it up to last years total taxes. I guess we didn't calculate very well.   I'm going to sink as hard as I can this month and squeeze the budget as much as possible to get that estimated tax payment to the IRS before the end of the month. Squeezing the budget is what I used to do in BS2 all the time, but

namaste

namaste

Cutting The Grocery Budget.

So over the years I feel like I have read every single thing ever written on the subject of cutting the grocery bill. I was trying to think of all the tips today and thought I would write them all down to help myself (and anyone else who is curious) remember them all.   *Once a month shopping *Buy in bulk *Shop sales flyers *Coupon on items you will use *Grow you own fruit/veg *Can/freeze your home grown produce *Menu plan *Join a CSA   I am already planning our garden for this spring

mimi

mimi

Our Frugal Christmas

Every year I say that we are going to have a frugal Christmas and then every year we go over board due to poor planning. This year we are sticking to our guns   Gift's for extended family:   ***Pillow cases personalized by my kids ($12 total)*** ~Grandma ~Grandpa ~Nana   ***Handmade "Faith, Love, Hope" Sign ($15)*** ~My Brother and SIL   ***$10 Game Stop GC ($20 total)*** ~11yr old nephews   ***Crayon Roll and Coloring Book ($20 total)*** ~Niece ~Nephew   Total for extended f

mimi

mimi

December's Grocery Shopping Results.

So I managed to do my once a month shopping trip this week and we ended up spending $500 at Costco and $120 at the Commissary. It is a lot but our grocery budget is $800 a month and we are done except for milk and fresh veg for this month, so we are on target.   Projects for this month: *25 Sausage biscuits, from scratch, in the freezer **Check** * 4 spaghetti sauces in the freezer **Check** * Pizza sauce, from scratch, in the freezer * Pizza rolls assembled and in the freezer * Cinnamon

mimi

mimi

Don't Know If We'll Make It.

It's so lucky that I put the next month of FFEF into that CD, or else I'd be sending it to my Roth IRA right now.   Our average snowball is about 2K per month.   We've not had any income from DH's business in the past 6 months, but he has upcoming checks coming in, but the first few are going to reimburse money he borrowed from our budget to pay for some stuff for his business.   We need:   5K Roth #1 5K Roth #2 likely 3K for SEP-IRA   All before April 15.   Also we might owe some

namaste

namaste

This House Is Ours!

This house is OURS!!   This house is OURS!!   I'd paint it in John Deere Green, letters four foot high, if I could.... but I dont speak computer, so this will have to do!   Totally paid off!! Totally!! As in Balance on the loan ZERO dollars and ZERO cents. I am totally dancing all over the house, and shouting it from the rooftops. That would be from the top of MY roof. The one I own. *L* Pulling into the driveway after going to the bank and sending the wire transfer for the fina

momto6

momto6

Asset Allocation And Fees

A few months ago we finally made the switch to running our own asset allocation. (When I say we, I mean I did all of the legwork, my DH doesn't "get" investing.)   What it looked like before: My 401-K: all in a low fee Vanguard balanced fund His 401-K: all in a medium fee Fidelity target retirement date fund My Roth: all in a indexed Fidelity balanced fund His Roth: same as mine His rollover IRA: in 4 higher fee American funds   What it looks like now: My 401-K: 2 index funds:

Zaga

Zaga

Reimbursements Are Such A Disappointment

I'm sort of bummed because I know we have DH's income coming in, but I'm expecting a bunch of reimbursements from my work as well as some from his work, and we advanced him money from our budget for end of the year expenses for his business so what he brings in now will go to filling in the RED in our budget for those reimbursements instead of moving us forward.   Oh well, I guess we'll be moving forward soon enough.   Thanks to this board I shrunk my home maintenance fund a little smaller a

namaste

namaste

3 Month Ffef In Place

I feel so much better having this FFEF in place. It's in CD's for now, so that I won't be tempted to touch them at all. One month has a 3 month interest penalty which has already expired, so I'd lose nothing on taking that out. The second one has a 6 month interest penalty so in 4 more months there would be no loss if I needed it, and the third one has a 6 month penalty so we have another 6 months to go on that one.   It's great to have another mini-goal accomplished.   I have about $500

namaste

namaste

Happy Thanksgiving - 2011

In honor of Thanksgiving, I thought I'd take a moment to list out what I'm thankful for this year.     While I sometimes feel like I'm making no progress at all, I've actually at least put together a game plan. I have a great supportive family and two great foster daughters who light up my life. I have wonderful friends that keep me from taking myself too seriously. I have a stable job that keeps my mind engaged most of the time and the days go by quickly. I have enough money to pay all

lovesbadmusic

lovesbadmusic

Once A Month Shopping ~December's Grocery List~

Okay now that I have the menu planned it is time to get the grocery list done! I still need to look up the recipe for the mexican casseroles and the baked oatmeal but this is everything else.   11 lbs ground beef 2 roasts 2 whole chickens 2lbs Chicken 4 packages of pepperoni 2 LARGE cans of tomato Sauce (the #10 cans from costco) Basil Oregano Garlic Pwder 5lbs Carrots 10lbs frozen mixed veg 3c. Pearled barley 4pk Tortilla's 5lbs Mozzarella 3pk Hamburger buns 1 box lasagna noodl

mimi

mimi

Once A Month Shopping ~December's Menu~

As I prepare for my once a month shopping I have been working up a menu for the month of December. One that has cheap, big, simple, healthy meals that when able can be turned into a meal for the second day as well   December's meals (all meals are in the order they will be served):   1 Spaghetti 2 Pot Roast 3 Beef and Barley soup (leftovers from day 2) 4 Beef and Barley soup 5 Roast chicken 6 Chicken noodle soup (leftovers from day 5) 7 Mexican Casserole 8 Pizza rolls 9 Taco's 10

mimi

mimi

×
×
  • Create New...