Friday, July 25, 2014

Menu Plan

Not the healthiest, but I need a plan:

Pork chops and rice
steak tacos with tortilla chips
turkey burgers and sweet potatoes
chicken salad
sticky chicken to make quesadilla
spaghetti
pulled pork sandwich, pickles, and chips and dip

Wednesday, July 2, 2014

New Diet? I'll Try It!

3-Day Diet Day 1 Breakfast


A while ago on Pinterest I found a 3-Day diet from Training This Body. This is also know as the Military Diet if you want to search for other sites on the internet. I thought having two jobs would make me weigh less or at least maintain because when would I have time to eat. The truth is I gained 10 pounds and I am achy and always starving. I haven't made time to workout, besides the occasional 5 min walk at lunch. I kept telling myself that I just need to get through this or that and then I can concentrate on my health. The other day my husband mentioned that I should join a gym. He usually doesn't say anything, so this is when I weighed myself to find the weight gain. They do say that lack of sleep will lead to weight gain. I have been trying to sleep but I have a hard time falling asleep.

Grapefruit spoon
I'm hoping this will at least get me down a few, if not 10 pounds and then I can work on the next 10 pounds. After that I will try to maintain. I ate my breakfast at 6:30am. I have been trying to keep busy but I'm hungry! I'm going to try my best to get through day 1. I picked today to start since I am only going to work 3 hours today, 8 hours Thursday, and 3.5 hours on Friday. I am also going to walk on my treadmill for 1.5 hours or 3 miles each day. I should be able to post on Saturday my results. And here is the ugly truth, at 5':

Starting Weight: 140 lb

Tuesday, June 24, 2014

Unexpected Expenses May and June


May
With the end of school also brings, school fees for next school year. I am the chair of school supplies at my daughter's school, so I get her school supplies for free. My son goes to a Montessori school so we just donate a set amount, and the PTA buys supplies as the teachers request them throughout the year. My son also brought home spring pictures. These are such a scam! I sent my daughter's form back to say we don't want her picture taken, but it is harder to get my son to return things to school. Well, he got his picture taken, and they send home 5 sheets for you to buy or send back. One sheet was an assortment of key chain discs, bookmark, calendar and door hanger. My seven year old son, thinking these were cool free items, tore them off and went around finding uses for each item. He was devastated when he find out we had to pay for these things. I knew it was an honest mistake, so I told him I would pay for them this time. At the end of May I had a race with my sisters, and we split the cost of a hotel and gas. I'm thankful I was able to control myself with spending around my sisters. We went to a casino and I didn't spend a dime. For Mother's day I got my mom a garden cart with my sisters and I also paid for a cheap bible camp.
Daughter's book fee- $50
Son's supplies - $45 (check not cleared yet)
T-shirts to support a cause $45
Son's Spring pictures - $26
hotel - $20
Mother's Day - $20
bible camp - $5
June
June started with the kids being out of school and my husband on vacation. We saved money on daycare that week, but we had to go out of town for a graduation. We gave my niece a gift and helped her mom pay for a DJ for the party. I think it would have been more worth it if the party was more of my nieces friends, but they didn't really dance and there were only a few there. For the area we were in we got a cheap, but kinda scary hotel. The family we had there has so much going on and only one bathroom in all their house/apt that it is hard to stay with them when we visit. The rest of the vacation was budgeted for in advance. For Father's Day I also got dinner for the whole family, and I got my dad a small gift which I bought with my Shopkick points. I also promised my son two sports a year and he wanted to do flag football. I received $5 off for early registration. I found $50 flag football but heard the program is not good and it is in a rough area. The YMCA if you are not a member is $120, plus a $15 jersey! We also were having trouble with our air conditionor (wire got disconnected!) and plumbing. My husband paid for these so I'm not sure how much he spent on plumbing since he did the repair. In the future we will need to fix the hole in the wall to the basement, which turned out the problem was under the sink (Uff da!).

Graduation gift - $50
DJ - $100
Hotel - $160
Father's Day meal- $40
Flag football- $95
Air Conditioner repair - $100

I have also restructured my sinking fund for all the things the kids are involved in with school and extra activities. I planned out my next 6 months on my YNAB and everything is looking good. We were able to pay off my student loan in June and hope to have our house siding debt done by December. We are also saving money on daycare. My husband is off Monday, my sister off Tuesday, and I am able to be off during the day on Wednesday by working longer hours the other days, and making up hours here and there. It has been exhausting but I love saving money.

Upcoming expenses would be that Friday's at daycare are field trip days, so those will fluctuate. It is also 4-H fair time. My daughter will be part of a $15 challenge for shopping for clothes and will be making a fairy garden. I will use the clothing fund and the sinking fund to fund these.

Friday, May 2, 2014

April Unexpected Expenses


I have been enjoying going to the bank when my first big paycheck is direct deposited for the month. I get to go in and take out a big fistful of cash to fill all my envelopes. In April I decided I would combine my gas and my fun money. This did not work! I had the gas light come on the day before I got paid, and had no money left. I ended up filling up my tank and took out less cash for this May. I then made sure to put that money in an envelope in the safe until my gas gauge gets lower. Some other fails in April for us:
* My husband's cell phone stopped charging, so he spend $200 on a new iphone 5s and OtterBox cover ( This did not make me happy, I though $100 should have covered this, plus every time he gets a new phone Sprint seems to have a new fee to add to the plan)
*We did go out to eat, just us two at a restaurant
*I bought Dave's book for less than $14 off of Amazon.com. I paid cash but I was over my mad money at this point.

I was so hungry this month! Stress of so many things always going on at once, crazy hours and two jobs makes me want to eat all the time, but I don't feel like cooking. I'm glad my husband has really been stepping up to cook most night.

I also keep tweaking our sinking funds, and some months we add in items. In May we budgeted $20 for each of our Mothers. In June we will only need $20 for my dad, since my husband's father passed away before he was born. I have a friend's daughters birthday party which I plan on paying for gift out of my mad money. 

I am still fighting at times with my husband, esp after the cell phone. He keeps saying he should be able to spend "his money". We still have separate bank account, but I do have the information for his account and I will look at it at times. He has a variable income each week, but we only budget for a low amount for him to pay towards debt. For the most part before we started this Dave Ramsey plan he would keep a lot of extra money in his account, even if he had a balance on a credit card. I think he is having a really problem with how low his bank account gets at times. I just try and remind him, that he should know how much he needs if he is sticking to the plan and not pulling out money or using the ATM card off budget. This month I had a balance of $.64 in my account before payday! I wasn't worried because I don't use my ATM card much and I know what money is coming and going.

We also paid for baseball picture. I thought they would only be $15, but they were $25. We also got a lot of money back since we switched insurance companies. My husband paid his car tags. I find it weird that his car is one year older but the tags cost more, but it must be a heavy car or something.

May/June we have a lot going on again: baseball games will continue and I would love to buy more training supplies, but have been resisting. I have a run at the end of May: I have bought a shirt ($10) to decorate and socks ($14) to wear, plus splitting  a hotel with my sisters ($20/each). I also want to buy t-shirts to benefit a charity (3 x$15) in May. June we will go out of town for a graduation party, and stay in a hotel, which was $114 for two nights. Baseball and going out of town is also costing my pay from my second job. The debt snowball is still going strong though, and we are ahead of my projections so far.

found on pinterest.com (link wasn't good)

Saturday, April 5, 2014

Menu Plan


etsy shop sign
7 meals to eat this week, in no particular order:

loaded nachos
turkey burger and fries
glazed pork chops and applesauce
steak tacos with avocados
lasagna (from a box :0)
crock pot tater tot casserole (ran out of ground beef to make it the other week)
chicken salad


Tuesday, April 1, 2014

March 2014 Unexpected Expenses

My son's birthday was in March. We didn't budget for a gift. I had a Groupon that was to expire for a local science center. My husband didn't really want to go so I invited one of my son's friends. The best part was we got there half an hour before it opened, and meter parking is free on the weekend and we found one right outside, so I didn't have to pay for parking in a garage. He also just wanted chips and juice instead of a cake, which saved some money. We did have a family party and I bought the cake from Costco for less than $20. We budget for automobile gas and mad money, which we blend. The total of this budget is $170. I also allowed $100 to be put aside from my second job to go towards all these extra expenses this month. So here is what I spent in March:

I had $18 cash, which over half went to the church I attend.
Vending machines at work: $24.40
Field Trip: $15
School Play t-shirt, after party and group picture: $15
School play costume: $40.43
Gas: 64.55
Fast food: 33.72
Bean bag beans: 13.77
Violin Solo Competition: $5
Headphones: $13.77
Work pot luck: 13.68
Printer Ink, aluminum foil: $45.85
school year book: $15 
Total: $318.17
We also had to buy salt for the water softener but took this out of our vacation fund since my husband didn't use any of it during spring break.

So as you can see even though I extended my budget I still went over by $48.17. I could have not participated in the potluck, waited on the headphone (although can't really say I regret it took much since I use they every day at work), and not bought bean bag beans. The field trip was a "suggested" donation, but I still felt I had to contribute. The sheet also noted you could add more money to pay for another child, but I think $15 is a lot for a field trip in the first place, especial since parents are driving. I did a lot better last month and was able to put extra money towards the debt from groceries and gas. I'm going to try a lot harder in April. Having two jobs is really exhausting. I haven't had a day off since January. I am working 60-70 hours a week and so is my husband. I just keep telling myself: It is only two years, and I'm making money. We are slated to have our first debt paid off in April and that is really exciting. We should have our second debt paid by August if we stay on track. My husband's work is to pick up in the summer which is nice, since we will also have more daycare expenses.

In April we also have to bring snacks for 25 students for 5 days, but I plan on taking this out of the grocery fund. Other than that I also hope to buy Rachel and Dave's book during pre-sale, but I plan on waiting to see how much money I have by April 15 before I buy.

I feel like a kid on a debt reducing road trip: "Are we debt free yet?"








Saturday, March 29, 2014

Menu Plan

Saturday - lunch hot dogs and chips; dinner chicken salad
Sunday - lunch turkey burgers and carrots; dinner red beans and rice
Monday - pork chops and sliced apples
Tuesday - pulled pork and coleslaw
Wednesday - steak tacos with PR rice
Thursday - pizza grilled cheese
Friday - fish and chips
Saturday - lunch mac and cheese; dinner PR stew
Sunday - lunch nuggets and tots; dinner pork and rice bowls (using leftovers from Tues)