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Payday Report for 7/26/19

July 26th, 2019 at 02:00 pm

I bought something on Amazon so the $50 that normally goes to my half of the Adults' blow money went to Citi instead. So I did get it, just shunted it over there to save redepositing, which is why only DH's half is listed in that category. We have two August birthdays, so I needed to send some money to the gift fund. This $100 will be for the first birthday and then I can do one the second payday in August for the second birthday. After that I have to start saving for Christmas.

$327.41 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_650.00 Citi
__61.74 Life Insurance DH
__60.46 Life Insurance Me
__50.00 Adults' Blow Money
1000.00 Monster Mom Loan
_120.00 Kids' Allowances
_100.00 Holiday/Gift Evelope
----------
3244.61 Total Money Out

Payday Report for 5/31/19--Ugh, Overspent

June 2nd, 2019 at 03:25 pm

We blew it this month on the credit card. Badly. I did manage to pay it off with no interest, but our spending was just out of control. I bought clothes for the kids, 2 pairs of shoes for DD (she's been wearing slippers and flip flops because her feet were too swollen and we had to find her extra extra wide shoes which cost a lot), 1 pair of shoes and a lightweight sweatshirt for me, a new pressure washer because the old one died (we did get a refund from Lowe's, but it wasn't enough for a new one since the last one was bought on winter clearance), too many takeout meals when I threw out my back and couldn't cook, the primer, paint, wood, and screws for the new garden bed, my medical bills (which exceeded how much we had in the medical fund) since we hadn't hit the family out of pocket max yet (I think we have now), and then I purchased some things that are being discontinued at Thrive Life like butter powder and honey crystals.

Next month will be pretty spendy, too, (already spent, just is on the next statement) so I doubt I will make any extra loan payments, just the main one. Ugh. I've got to get this back under control. You know, this is why Dave Ramsey says to get rid of all your credit cards, not keep just one. *sighs* I will try to get it out of the budget and not touch the EF, but that may not be possible.

$357.89 Tithe
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Envelope
_100.00 Blow Money Adults
_105.00 Allowances Kids
1806.96 Citi
----------------
3344.85 Total Money Out

Payday Report for 5/17/19

May 17th, 2019 at 12:42 pm

We had an additional $220 from MIL that we added into the budget for this two week pay cycle. It was reimbursement stuff so wasn't added into the tithe. But it does throw the numbers off a little bit, so I had to make a note of it on my budget spreadsheet. I always try to do that when this sort of thing comes up.

$327.36 Tithe
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
1000.00 Citi (Autopays and a lot of crap we shouldn't have bought last month)
__61.74 Life Insurance DH
__60.46 Life Insurance Me
__50.00 Blow Money Adults
1000.00 Monster Mom Loan Payment
_120.00 Allowaces Kids
_125.75 License plate tabs for the van
---------
3520.31 Total Money Out

Payday Report for 5/3/19

May 4th, 2019 at 03:02 pm

$327.36 Tithe
_400.00 Utilities
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Envelope
_280.00 Monthly Family Chiropractic Plan
_108.91 Internet
__36.00 Garbage Fund
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Blow Money Adults
_120.00 Allowances Kids
_200.00 Clothing Envelope
__81.00 Truck License Tabs
_395.00 Credit Card
---------------
3273.27 Total Money Out

Massive Grocery Shop Plus Some Food Rambling

May 4th, 2019 at 02:56 pm

I went and did the two week grocery shop, but I also stocked up on a lot of chicken. I went to four stores in one day and boy is my body telling me I overdid it today. Although it might also have to do with some weeding last night.

Safeway has boneless skinless thighs (and breasts) on sale for $2.99 a pound in my area. I was going to get some bone in skin on chicken elsewhere for 88 cents a pound, but they were all out of it and didn't have more in the back, which was annoying.

It is cheaper to do it myself, but my hands are bugging me and I didn't want to deal with pulling skins off and working the bone out while keeping the most meat possible intact. Since $2.99 is my buy price for boneless/skinless chicken thighs, I bought 8 of them. They were around 4 pounds each. So today we will haul out the Food Saver and divide them up into 8 piece packages and take most of them out to the deep freezer in the garage.

My first stop was Trader Joe's and I spent $96.51. I bought:

2 boxes maple pecan granola cereal
1 chive and onion cream cheese
4 frozen chicken fettuccine Alfredo
4 frozen mac and cheese dinners
2 bags flour tortillas
1 box fish nuggets
3 bags garlic naan bread
1 box peanut butter granola bars
1 bag (of six) large hamburger buns (no soy!)
2 packs Co-Jack cheese sticks
1 4 lb bag organic gold potatoes
1 5 lb bag organic russet potatoes
4 boxes chocolate truffle bars (no soy!)
1 organic Caesar salad kit (they were out of plain romaine)
1 bag organic baby spinach

Our next stop was Fred Meyer were I spent $50.47. I bought:

2 Simply Strawberry lemonades (digital coupon)
2 Simply lemonades (digital coupon)
4 boxes organic fettuccine noodles (cheaper than normal ones on sale)
2 bags English muffins
2 bunches organic green onions
2 organic red onions
6 organic yellow onions
1 bunch organic bananas
4 containers Pringles (on sale 2 for $3)
4 organic lemons
2 organic limes
1 large container cubed watermelon

Then we hustled across the street to Whole Foods where I bought only 4 items, but the meat was expensive. I spent $41.37 and I bought:

1/2 pound of uncured pepperoni
1 pound of uncured sopresatta
1 box organic strawberries
4 strawberry mochi

After that we went to Safeway and spent $145.16 and bought:

4 boxes of organic spaghetti noodles
1 box of organic lasagna noodles
1 big bag of ice
1 1/2 gallon of milk
1 package organic white cheddar cheese slices
1 box of Vital Farms pastured eggs
1 10 count box of cupcakes
8 packages of boneless skinless chicken thighs
2 pounds of wild cod (on sale for $5/lb)
1 pound of Dietz and Watson deli roast beef
1 pound of Dietz and Waston deli homestyle roasted turkey

The total on groceries spent is $333.51. That leaves me with $66.49 in the grocery budget for next week if I need to pick up milk, tortillas, or more deli meat.

I should not have to buy any more noodles for a couple of months as the noodle cupboard is fully stocked. I also don't need to buy any spaghetti sauce for a few months as I finished stocking that up the previous pay period. We eat pasta once a week, because it is fast and easy in the Instant Pot. I have learned how to do penné, bow ties, rotini, spaghetti, and fettuccine all in the Instant Pot and have been pretty pleased with the results.

I like having a three month supply of everything in the house in case of emergency situations. Then of course my extended pantry for six months of food which got us through those 10 months of unemployment a while back. My ultimate goal is a year's supply, but that takes a lot of time to build.

I need to make up a big batch of meatballs again for the freezer and then it will be even easier to just pour and dump the whole thing. I have to get DS to shred the parmesan and romano for me, though. That is the hardest part for my hands. We like it at powder consistency, otherwise I'd use the food processor or salad shooter, but the little cheese mill is all we have for it.

I am thinking about getting an electric cheese mill, but it is around $100. We do eat a lot of powdered cheese, though, and the only way to get it without the anti-caking agents is to do it ourselves. So it might be worth it. I haven't spent the majority of my allowance in ages so there is quite a bit built up in the allowance envelope. Also we have $100 from MIL that we could use to buy it from our anniversary in March. We hadn't figured out what we wanted, though I was thinking about an electric flatbread press for making tortillas and pita bread easier. I need to watch more videos of people using them and see if they are really worth the price. Does anyone here use one?

Emergency Fund Update

May 4th, 2019 at 02:05 pm

I have decided to start saving whatever is left in the grocery envelope at the end of the two week period and depositing that into the Emergency Fund as I am a little concerned about what happens if we do have to pay that medical bill that I think crossed in the time period between out of pocket max being paid and submission. It's not much, but it it is a little bit and makes me feel like I am being proactive. I will also be dumping all of my change at the end of two weeks and rolling it for deposit. I try to use the change as I go, but I don't always if there is a long line behind me.

$3524.83 Balance Forward
+__16.50 Deposit Added
----------
$3541.33 New Balance

Payday Report for 4/19/19

April 19th, 2019 at 07:40 pm

$327.36 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_441.41 Autopays (Citi)
_721.87 Additional Medical (Citi)
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_500.00 Monster Mom Loan
__70.00 Allowances Kids
----------
3157.84 Total Money Out

Payday Report for 4/5/19

April 5th, 2019 at 01:20 pm

I raised the grocery budget this week just because we are going down to the farm on Saturday and I will be buying ground beef and bacon. I may not have actually needed to do that as I won't be buying much meat this week otherwise, but if I don't spend it I will put it back in the checking account.

I also bumped the medical fund up to $500 as we had a bill come in that we were starting to think would never arrive. It was from October. I don't think I will need to repeat that next payday, though.

$327.36 Tithe
_400.00 Utilities
_500.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Fund
_108.91 Internet
__36.00 Garbage Fund (every 2 month bill)
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Blow Money Adults
_105.00 Allowances
_100.00 Clothing Envelope
_100.00 Computer Fund
_500.00 Monster Mom Loan Payment
-----------
3102.27 Total Money Out

Payday Report for 3-22-19 and 3-8-19

March 22nd, 2019 at 04:00 pm

I need to get back in the habit of doing these again. I had a little bit more money go out than was in the paycheck, but was in the checking account. The actual amount of pay for the two week period is $3274.62. It is quite a substantial raise.

$327.46 Tithe
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_441.41 Automatic Payments
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_800.00 Monster Mom Loan
__95.00 Allowances Kids
_100.00 Holiday Fund
_523.67 Citi Visa
-------------
3284.74 Total Money Out

So for the previous pay period the amount was 2687.71, but we also had the tax refund of $1349.00, so I combined those together for the budget and the total was $4036.71. I messed up the tithe by a couple of dollars but rectified that in the 3/22 budget.

$401.70 Tithe
_400.00 Utilities to Mom
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_280.00 Chiropractor Family Plan
_108.91 Internet
__74.54 Garbage (We had extra pick ups and it's a 2 month bill)
_567.14 Car Insurance
__50.00 Car Maintenance Envelope
_100.00 Gas Money
__90.00 Allowance DS
_200.00 Clothing Envelope
_100.00 Laptop Fund
_500.00 Monster Mom Loan
-------------
4036.71 Total Money Out

And yes, I do save money each month for car insurance, but I just left that in savings, because it was easier to pay it out of the income tax refund than to wait three days for it transfer between banks. It can be part of the EF now.

East Coast Weather on the West Coast

February 4th, 2019 at 06:33 pm

We got hit by bitter weather yesterday. Several inches of snow fell and the temperature was 19 degrees. The wind made it worse. The roads might as well have been glass in the places where the sun doesn't really hit them. We had a problem on one hill where I had to stop for someone who ran a stop sign and then couldn't get my car to go forward. I had to back down the hill a bit and move over to get some traction. I did make it up. I couldn't really blame the guy who ran his stop sign as he did try to stop. He just slid through the intersection.

I didn't know how bad it actually was when we went out yesterday or I wouldn't have gone. But out we did go and we spent all of the money in the Clothing Envelope, plus $20 in the household envelope. DS was out of his body wash, which we have to get a special type since he's allergic to so much. The stores we usually buy it out have stopped carrying it, so we had to track down one who did. So we bought 5 bottles of that and then I took DS to Penney's and bought him two pairs of jeans and two pairs of slacks. They actually had pants there that were 29 inches long. He usually has to get 30, but that's a little long, so he was very happy.

DH had taken him to get new shoes the day before and we ordered new shoes for DD. So no more clothes buying until we can refill that Clothing Envelope. I had thought I needed new shoes, but it turns out when I bought the last pair it was buy one get one and so I'd stuck the second pair in my closet for the future. DH found them for me and it is such a difference on my feet.

Today the