July- Where did it go….
Debit Reduction: Failure
We broke even for the month. This is an improvement from last month but still not where I want to be.
Blog Post: Fail
I had 12 total blog post for the month. Again an improvement from last month but still not where I want to be.
Days on Treadmill: Zero
Water walking days-7 Getting better……
Groceries- Goal Met! We spent a total of $306.92 for the month of July in groceries! Second month in a row under budget with this and it did include our snack box for the beach trip.
Gas: $450 for the month. This is about $170 over budget which is the cost of annual inspection, tag and taxes on my van.
Earnings: July was an awesome month for earning. Total $285
Swagbucks: $100 for Me, $75 for Matt
MPlaces/Cricket Rewards: $10
This month, my focus has been not only saving money but specifically using up items in our pantry and freezers. Our stockpile runs over and I am starting to find some food that I know would not get used if I don’t force the issue or I had completely forgotten we have. It sounds strange to say that I am trying to use food we have on hand in addition to freezing items from our garden but this is definitely the case. I have a menu plan in place until the first Thursday of September. This has a lot of wiggle room as I don’t plan until the week of for Thursday, Saturday and Sunday. We are starting to run low or completely out of some items that need to be replaced. I am trying to buy only what we are out of. After my purchased today, I am hopeful that we can avoid shopping all together till at least Mid August for even the basics. Today, I specifically used “free money” to purchase most of the items. I did end of spending a total of $3.50 between CVS and Walmart.
CVS will occasionally send me a survey to complete with the promise of 10 ECB. I was able to complete one of these surveys for the first time in at least six months last week. I checked the sales last week and decide to wait for a better sale. The better sale occurred this week. Today, I picked up: 2-24 packs of water, 2 small tins of Altoids, a can of hair spray, a can of mouse, Irish Spring body wash and Dial hand soap. My total out of pocket was $3.33 with $4.50 in ECB back. Because the reward was in ECB it does not cover tax so $.43 was actually sales tax. The only “need” on this list was for the waters and body wash.
I earned a $25 Walmart gift card by submitting my driving record on line. Matt used most of this card last week to purchase items that Lily needed to pack for her missions trip. I started the trip with $8.34 left on the card. Last night we discovered that we were completely out of several items, mayonnaise, Worchester sauce and cream cheese. I did a little bit of research and discovered that I could also purchase a large box of cereal for less than $1.50. I needed to add $1.08 to my gift card in order to purchase all four items however I claimed $1.00 worth of rebates from Ibotta.
I am very excited and proud to be able to purchase the needed item for less than $4.
June was certainly not the month I expected it to be. We did not increase our income and we ended up with two major house repairs that have definitely knocked up back a bit with our debit reduction. We still are living very comfortable but July-October are going to mean some serious belt tightening.
Debit Reduction: Failure
Due to the things stated above we actually have increased our debit by close to $1000 at this point. Ouch
Blog Post: Fail
I had 9 total blog post for the month. I can honestly say that June was an extremely busy month, including 4 afternoons for swim meets and a week long trip to Michigan. I have some very good intentions and plan so I hope to at least hit 15 this month.
Days on Treadmill: Zero
Water walking days-7 In addition to a full day of walking on Mackinaw Island.
I am actually documenting improvement in this year!
Groceries- Goal Met! We spent a total of $405 for the month of June in groceries! This is a huge win as the past several months have been over budget!
Gas: $355 for the month. This is about $50 over budget but does include our entire trip which was 5 tanks of gas!
Earnings: June was a positive month in this area as well. I am expecting some changes starting in July but our earning is consistently increasing. Total $220
Swagbucks: $100 for Me, $75 for Matt
MPlaces/Cricket Rewards: $15
Yes you read that right, I totally skipped/never got around to posting an April in Review. I decided to included both with the best information I have available. I know that I have some vacation time coming up so I am hopeful to get back on a better schedule. June looks to be a promising month and I am determined to make the best of it!
Debit Reduction: April- our debt increased by $300.
May- reduction of overall debit by $550. This actually puts our overall debit at less than it was in February so it negated the increase with our payments this month!
Blog Post: April 10
Work and our busy schedules have taken over but I am determined to get back on track this month.
Days on Treadmill: April- O
May- 3 days of water walking
Groceries- April – $601
Both of these were very high spending month of us. Our yearly average is $658 a month and my goal is to reduce this over the summer.
Earnings: April $170
May- $200- best month EVER
Matt has been able to earn around $1500 this month through a variety of side jobs and also an upgrade to one of this websites.
As I was typing up this update, I realized that April was a month of complete failure. I did not manage to come close to any of my plans or goals for the month. This is most likely why I did not get around to an update. I am hoping for more steady progress in the next couple of month
As predicted, this past week has been busy. I have struggled this week and realized that I NEED to “Count my Blessing” more than I need to worry. So my plan for this update is to “Count my blessing, name them one by one, to PROVE what God has done.”
- The extra hours at work do mean extra pay. We are slow regaining financial ground and extra pay is always helpful.
- We scheduled a trip to Disney World for this November. I actually booked the trip almost a year ago. Because of the struggles we have been experiencing, I was considering changing/postponing the trip. However, God has provided a very unexpected but concrete method to ensure we can pay for this trip. In the morning, I will be making dinning reservation.
- We are very blessed to be able to travel to Michigian this June to celebrate Matt’s father 90th birthday. This blessing is so much more real and important with the lost of my dad.
- Our square foot garden is growing and thriving, I have frozen several packs of broccli, made a squash side dish and the kids enjoyed a handful of snap peas. The plants all appear healthy and relatively bug free. I anticipate a good squash harvest this week and we should actually start with cucumbers in two weeks or less.
- The kids and I got to spend 6 hours at the pool today. We really enjoyed the time with friends and I was able to just sit for several hours.
- I somehow got a screw in my tire last Saturday. My brother was able to patch it on Sunday. The patch worked until Wednesday and then Matt was able to take to the dealship to have fixed.
- I will NOT be working on Monday. Instead the plan is to spend most of the afternoon/evening at the pool just enjoying life.
Seven is the perfect number and the number of completion so I will stop there. Do you have any blessing to share?
To say the last week has been busy and stressful would be an understatement in addition to the sad truth being that this coming week does not look any better. The business is cause by a couple of factors, first baseball and swim team are overlapping for at least 3 weeks in May. Next is my work schedule, which is entirely full with NO opening last week and no opening this week. I honestly don’t ever remember it being this full before. In addition to all the fun already mentioned, we have less than three weeks of school left which means end of year activities several days/evenings a week. I am so looking forward to a 3 day weekend over Memorial day. I am very hopeful that it will be an actual 3 day weekend but in reality I am going to assume that I will need to put a couple of hours of work in so that I will not be too disappointed next Monday, when I do end up working.
I am so very sad due to a death of a close friend this past week. At the funeral service today, someone said, “I did not realize that your heart can actually hurt but it does.”
Now on to more positive news, I think we have again weathered the financial storm and things are definitely starting to look better. Matt has been able to pick up some extra work which helps and I am working crazy hours which in the long run also increases our ability to stay overall on track for the year. I am planning to go back and post an end of the month update for April since it got missed, but May is definitely looking better and better.
Our square foot garden has started to produce small but taste items. I planted 4 broccoli plants earlier in the spring and have been able to harvest enough broccoli for at least 4 meals. This is really exciting for me as this is the first time that I have successfully grown broccoli. I may even attempt again in September when the weather starts to cool down.
One of my plans for the week, includes a HUGE trip to Costco. I managed to stay under budget for January, February and March of this year. But in April I was 50 over and I fully expect to be over by $100 or more for May. Because of the summer, I expect to remain at or under for June, July and August which will definitely balance things out a bit.
Bring on the summer with day spent at the pool.
I am super behind on blogging for the month. Our cheer trip threw me off, in addition to our crazy busy life. I am hoping to get up several post in the next day or so.
Debit Reduction: This month our overall debt increased by $175. This is sad but because our trip was the last couple days of the month it had a negative effect. I will establish a goal to reduce our debit by at least 200 next month.
Blog Post: 14
Days on Treadmill: 0 Everyone feel we should get credit for the day we spent walking at the outlet stores.
Groceries- $220- This is a great success! I am hoping to keep spending down to $300 for the month of March. My favorite sale of the year is on but other than a trip to Costco this should be our spending for the month.
Gas: $370 spent. This is over-budget, we purchased new windshield wipers for all the vans and our trip to the beach is included on this purchase.
Earnings: Matt and I combined for a total of $180 this month from our apps and Swagbucks. This is a higher number than both February and January.
I am a bit frustrated with us raising our overall debit but we needed and enjoyed our trip to the beach. I have high hopes for April, small changes over a long period of time always works.