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Reworking the Budget

August 5th, 2019 at 12:11 pm

I have just finished making the budget for August and reworking some things. I decided to up the grocery budget to $500 every two weeks since we are heading towards Paleo eating. I don't know if we will go 100%, but I am going to try gluten free baking. All of the flours are more expensive than normal flours.

Aside from that, prices are starting to rise in the stores. Some places are having food shortages, a result of the flooding in the middle states. It mostly seems to be peas, green beans, and corn. Also, dairy has gone up, probably due to all the slaughtered dairy cows not being around to make enough butter and cheese.

I am using Melanie Lynn's gluten free flour recipe. It has no carageenen, guar gum, or xanthum gum in it.
She spent years developing her flour mix and recipes and they look just like the real thing. It's a completely different way of dealing with fat and flour than normal baking. She didn't want to have gritty, tasteless food or rely on iffy ingredients. I have been happily reading her website for the past week and am looking forward to trying some of her recipes. I've followed her for years on youtube.

Also, I doubled the amount of the gas budget. If DH is going out fishing/crabbing/prawning he does need to contribute to the boat for the gas. Once fishing season is over I will revert to our normal gas budget.

So that means that I will only be paying Mom $1600 a month instead of $1800. Even at that amount we will still be out of debt next year. We do plan to put any Christmas bonus and our tax return on the debt, too. Last year's Christmas bonus was around $800 after taxes and he only was a direct employee for 6 months. This year he will have worked 12 months and he will have been working at a higher wage during those 12 months. The bonus is based on a percentage of your salary and hours worked. So I think we will see double that, probably more. It would be nice to throw an extra $1800 at it. But no counting chickens just yet.

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 7/12/19

July 14th, 2019 at 05:21 pm

$327.46 Tithe
_400.00 Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_280.00 Chiropractor Monthly Family Plan
_111.08 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Blow Money Adults
_120.00 Allowances Kids
_600.00 Citi
_100.00 Clothing Fund
------------
3199.54 Total Money Out

Working on the July Budget

July 2nd, 2019 at 04:42 pm

Do you ever have one of those days when you know you need to get stuff done, but you're just...eh, later? And then later comes and you've done virtually nothing for the day? Yeah, that's today. Mostly.

I did the preliminary budget for July last night. I had to add a line for the clothing envelope because apparently DH needs shorts he can go out in public in. The ones he runs around the house in he isn't comfortable wearing to a store and he's ripped out all his denim shorts. He is so tough on jeans and the like.

I wasn't expecting to have to buy any more clothes until fall besides one pair of shoes. I also need to start contributing to the gift budget again. DD's and DH's birthdays are in August and then I need to start saving up for Christmas. So it looks like I will only be able to pay $1600 on the mom loan instead of the $1800 I'd been hoping for, and probably only that much going forward as well. It will move the payoff date to April, I think, unless DH gets a substantial Christmas bonus. Or we get a good tax refund. We won't be able to claim medical expenses this year, though, so it might be pretty low and not something I am counting on towards pay off.

I should have zucchini ready in the garden in two days. I am looking forward to it. There is nothing like fresh picked zucchini in flavor. Store zucchini can be pretty good this time of year, but it pales very much in comparison.

The grocery ads came early yesterday. I did a quick look through and they were pretty cruddy. Which is good because I don't need any groceries, except watermelon, which they did have a sale on, so I will get some tomorrow when the sale starts. Maybe some corn on the cob, too.

I want to buy a barbecue. I have $200 in my allowance folder. I just want to get a kettle-style inexpensive one. We haven't had one in years and I do like to cook on one sometimes. That should be enough money for an inexpensive one and a set of BBQ tools and some quick light charcoal. DH and I will go to Lowe's tonight and see what they have. I'd like to be able to cook out on Independence Day. Ribeyes and foil packets of bell peppers, onions, and potatoes. Should be delicious.

Payday Report for 6/28/19

June 28th, 2019 at 08:59 am

$327.36 Tithe
$400.00 Grocery Envelope
$400.00 Medical Fund
__75.00 Household Envelope
$100.00 Car Insurance Fund
$372.41 Autopays
$148.75 Citi Card
__61.75 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_120.00 Allowances Kids
--------------
3244.56 Total Money Out

There is a little money left from the paycheck, but I intend to use it to buy DD some flip flops.

Payday Report for 6/14/19

June 15th, 2019 at 04:18 pm

$327.41 Tithe
_400.00 Utilities
_400.00 Grocery Envelope
_389.51 Citi
__75.00 Household Envelope
_280.00 Monthly Family Chiropractor Plan
_111.08 Internet
__36.00 Garbage Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money Envelope
_100.00 Adults Blow Money
_120.00 Allowances Kids
__65.00 Fishing License
_800.00 Monster Mom Loan
-----------
$3254.00 Total Money Out

Purchases and Budgeting

June 8th, 2019 at 09:14 pm

I've reworked the June budget and now that we've gotten the Citi card taken care of except the $389.51 I will pay off on the 14th, and assuming we don't do anything stupid between now and the end of the month, we should be able to pay $1800 off on the loan to Mom. I am taking the Citi card out of my wallet. I am not going to do this stupid thing again. Thank goodness we did not have to pay interest, but I am still mad at myself for letting that happen and not paying attention. I know I was in a lot of pain and it was just easier to send DH for food, but urgh. We wasted so much money.

We are working hard this weekend to get that freezer stash up and going so we never fall back on convenience buying like that the next time I am sick and injured. I did purchase a new electric skillet today even if it meant I had to set foot in the Bullseye store. I hate shopping there. It is worse than WalMart.

We also picked up four small evaporative coolers, one for each person in the family. When the wildfires hit this summer and we can't open the windows due to all the smoke coming from B.C. and California, we won't roast like last year. This has been a planned purchase. My MIL has one and it works a treat. We picked a couple 3 packs and a 1 pk of Scrub Daddies, also, which a type of sponge/scrubber that works really well and won't scratch up ceramic or non-stick surfaces.

I also bought a cooling rack that is big enough to cool 24 English muffins, biscuits, and cookies on, or 12 pancakes or hamburger buns at once. This was also a planned for purchase. I have decided to hold off on the tortilla maker for now. I can make them by hand, it is just a little more time consuming.

We used the debit card to pay for everything. That credit card is banned for anything but autopays from now on.

MIL is Giving Us Money Tonight

June 6th, 2019 at 09:14 pm

MIL has decided to distribute more money to DH and to DH's sister. They will each get $6000. Even with gifts I think it is important to make a budget of sorts, so I plan to put $2000 in the Medical Fund and pay the Citi card off from our overcharging in May. I've got about $400 in medical bills to pay as well. Oh, but that $1059 bill from the hospital did get audited by the insurance company and they ponied up $798 of it to the hospital, so we only have the remainder of that to pay. That's part of the $400.

I think we will also put $1000 in the Emergency Fund. I would like to beef it up a little bit. I would feel a little more comfortable then. I'd really like a full month's wages, but this will make it quite a bit closer to that.

After that I am not sure. Maybe I could save $1000 for the half a beef we want to buy. I could also put $500 in the Christmas Fund, which is what we use each year. I haven't put anything in there yet this year. After that I am not sure. DH and I will have to discuss it.

I know he wants to get a fishing/crabbing license so he can go out on his boss's boat with his boss. He got enough crab last year to pay for his crabbing last year, so I imagine we'd get enough fish and crab this year to make it worthwhile as well.

I know there are a couple of things I would like to get that are small items like an electric griddle and an electric tortilla press, but those are wants not needs. Anything left after that I'll have to think about.

I made chicken fettuccine Alfredo for dinner tonight. I made enough to put one container in the freezer and for DS to have for lunch for the next two days. I am still feeling under the weather, though I did finally get sleep. About 12 hours. It helped, but still not up for the big burrito making session yet. I'll get there.

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