Sunday, September 15, 2013

The September Financial Picture 9/1-9/14

, stock clip art icon, stock clipart icons, logo, line art ... It has been a couple of weeks since I did a financial accountability report. There isn't a whole lot to say except that we continue to be as frugal as possible around here. I am determined to stay on this track despite the additional income we have right now. Building up the savings account with specific goals in mind in first priority (new tires, enough money to live on next summer if I don't find a summer job , a nice emergency fund) with repairs/maintenance to the house and car being second. And I've challenged myself to have more zero dollar days (days where no money is going out for any reason) than days when I spend within the month.

So this is how the financial picture looks so far this month:

9/1: $0

9/2: $0

9/3: paid Direct TV bill, mortgage, car payment, insurances (car & work)

9/4: $59.77 at BJ's wholesale club..bought laundry detergent, fabric softener, yogurt and  milk.

9/5:$0

9/6: $0

9/7:..earned money doing cleaning job..$12 for ingredients needed for dish to take to anniversary party next day; also used cash from cleaning job

9/8$ $48.64 on gas for SUV paid in cash from cleaning job

9/9:$0 ( youngest son treated us to pizza)

9/10:$ 1.39 on Popeye's for dinner

9/11: $0

9/12: $0

9/13: paid utility bills (electric, natural gas, internet): I also deposited half the money needed for 4 new tires on SUV into the savings

9/14: $ 46.54 on gas for SUV; $384 on groceries; $ 11.76 on a kitchen tool; $77.01 total on household cleaner/papergoods/health & beauty items; $10 on clothing

I think this was a pretty good two week period, half the days were zero dollar days with no money going out.

Saturday, September 14, 2013

September Grocery Shopping

grocery+shopping+clip+art.jpg With my first full paycheck following a long dry spell over the summer came the opportunity to do some serious restocking of the pantry shelves. Before heading to the stores I spent some time reviewing what we still have on hand. Our dry goods are pretty well stocked, we needed a few items here and there but mostly what we needed to restock was the freezer. We also needed a few fresh produce and dairy items. I took a look at what remains of my September menu plan and made a list then hit the road. I was apprehensive about shopping on a Saturday but with the new job hours I don't have much choice. I got out early and was surprised at how smoothly it went.

My first stop was Gordon Food Service Marketplace (GFS)Gordon Food Service sells restaurant quality frozen foods.. I deal with GFS on a daily basis in my job and enjoy the top quality products they have available. I went there with the sole purpose of purchasing frozen vegetables, K-cups, and Veggie chips. Once I looked at their sale ad though I quickly made an adjustment and decided to stock up on pastas. They had 2 pound bags of Primo Gusto pastas on sale for $2.99 each. I bought one bag each of linguine, fettucine, farfalle, and penne. I also bought a 2 lb. bag of La Choy frozen stir fry veggies, a 2 lb. bag of mixed veggies, a 2.5 lb. bag of frozen peas, and a 2 lb. bag of frozen cut green beans, a jar of beef base, the large bag of Veggie chips I wanted as well as a large bag of crushed Oreo cookies pieces (I have a recipe in mind for these), a 3 box package of Nantucket blend K-cups, a box of Darjeeling tea, a box of Orange tea, and a box of Cranberry Apple tea, a 2 lb. bag of mixed dried beans for soup, and a #40 scoop for making cookies at the GF's house. I spent a grand total of $93.41 for all of the above (the scoop, $10.99 + 77¢ tax comes out of the household budget under kitchen tools,$81.65 from food budget ).

Next I headed out for BJ's Wholesale Club. ... BJ’s Wharehouse! I have to say I was pretty impressed at her savings  I knew before I even reached the doors this was going to be expensive. I needed a few nonfood household items I was totally out of, dishwasher detergent and paper towels, and another we were going to need desperately if we ran out, toilet paper. I like to buy all of these in bulk so that we have the supply around for a while. We aren't big users of paper towels but it is handy to have them when needed. I got all three of these items as well as a lovely fall colored shirt with long sleeves off the $10 bargain table in addition to my food items. I am slowly adding to my work/social occasion wardrobe. Quite a number of my practical t-shirts are showing signs of wear and tear and with working the aftercare I can't hide behind an apron like I can in my cafeteria position. I need to be presentable to the parents when they pick up their children, so I need to step up my game, clothes-wise. This shirt is the first step towards this.
I also purchased food, focusing mainly on restocking and replacing items we were totally out of. I brought home a 3 jar package of applesauce (mainly for bread baking), a 48 oz. box of cheezits (we were totally out of snacks & kids were complaining, lol), a large bag of bbq chips for GF (his favorite and I like to treat him when I can), 2 bags of chips for kids at home, 10 lbs. sugar, 2 lbs. pecans, a 2 pack of Smart Balance, a 6 pack of Uncle Ben's white and wild rice, a 2 pack of mozzarella & sun dried tomato chicken sausages, a bag of fresh sauerkraut, a case of Chobani fruit flavored greek yogurts (college age daughter has decided she likes these after all so there goes my private yogurt stash, lol), a 3 pack of Johnsonville Maple breakfast sausages, a 4 pack of ham steaks, a large canister of brown gravy mix, a 1 lb bag of shaved mozzarella-romano cheese blend for salads, a large pot roast, a 3lb. package of ground beef (broke down into 3  1 lb. packages as home for freezer), a super large pork loin (cut into chops, a roast, and cubes), a large eye of round (cut into a roast, 4 steaks, and cubes for stew), and a four box combo of Barilla Plus pasta (spaghetti & angel hair). My grand total for all of the above was $248.06 ($10 from clothing budget, $49.41 from household nonfood budget, $188.55 from food budget)
My final stop was Aldi. Frugal Living | Couponing | Mommy Savers.com I came home with a dozen eggs, 4 slim jims (treats for the kids), 2 containers of their Fit & Active whipped topping (to use in a dessert I am taking to a family reunion picnic next weekend), 3 cans mandarin oranges, 1 can whole berry cranberry sauce, 2 cans cream of chicken soup, 2 cans cream of mushroom soup, 1 can pineapple chunks, 1 bag mini marshmallows (also for the dessert), 1 box pierogies, 1 bottle each of 100% grape juice, 100% cranberry juice, 100% apple juice, cranberry-pomegranate juice, tomato juice, and ruby red grapefruit juice, 2 bottles steak sauce, 1 jar coffee creamer, 1 jar Miracle Whip, 2 cans crescent rolls, 1 box multigrain 'cheerios', 1 bag sweet potato chips, 8 pck of Reese peanut butter cups (a treat for college age daughter on her first full week of working aftercare), 2 bags baby carrots, one bunch celery, 1 block NY sharp cheddar, 1 value pack frozen salmon fillets, 1 value pack frozen tilapia fillets, 1 bag frozen mussels in tomato-garlic sauce, 3 lbs. frozen BLSL chicken breasts, 1 jar honey, 1 bottle Pumpkin spice syrup, 1 bottle Apple butter syrup (both of these were seasonal items that I thought we'd try), 2 boxes granola bars (college age daughter requested these for packing in her backpack), 1 bag shredded mild cheddar, 2 packages kielbasa, 1 bag string cheese, 2 packages cheddar brats, 1 roll breakfast sausage, 1 pint lowfat cottage cheese, 2 packages pudding cups, 1 2 pack romaine lettuce, and one tub of pretzels. Total cost $113.89 all from the food budget.
I spent $384 and some change on food. About $34 over budget. However I was extremely under budget all summer so it will balance out at year's end. I still need some more fresh produce but will get to the farmer's market later in the month.
I also ran two other small errands. I stopped by Lowe's to purchase another box of Damp Rid bags for my basement (I love these, they smell good and they are really solving my basement dampness issue) and to Target for carpet deodorizer and air freshener and the latest issue of Living Simply magazine. I chose the Glade fall scent of Pumpkin Spice for the air freshener and purchased two small candles in the same scent. Lowe's was $9.17 and Target was $18.01
All in all it was a satisfying shopping day.

May I vent?

Click below for OUC's News Letter Article (Page 2) on Darryl Perry ... I find I really need to take a quick moment to vent about something that seems to be a habit with my internet service provider. Once again they have moved my billing date without notifying me. For the second time in a year. Why? No one in customer service could say. Personally I think it is a scheme to collect late charges from customers who regularly pay on time.
While paying the three utility bills I still had due I got quite the surprise when I went to the TWC website to pay my internet bill. Not only was the bill DOUBLE the normal monthly fee, it was double PLUS $10. I reviewed my payments, double checked to make sure they'd actually removed last month's payment from my checking account (they had), and then got on the phone. I was incensed to learn they'd changed my billing date so I owed for two months worth of internet. And not only that they charged me a late fee of $10 because the bill I thought was current was now overdue.
It was a very unsatisfactory conversation when they refused to remove the late fee and could not give me any explanation for the changes in billing dates. Needless to say I informed them that their sketchy practices were going to mean I am now on the hunt for a new internet provider and that in a very short time they would be losing a customer. I don't mind being charged if I make an error or can't pay on time but this kind of lousy customer service just irritates me. And to make it worse I still have not received the e-bill that should have been sent to me with this new amount, AND when I went to my account page it still only said my balance due was the normal monthly charge. Nothing about a change in billing dates, and only when I went to pay the bill did the larger amount then show up. GRRRRRRRRRRRRR.

Friday, September 13, 2013

Eat, Sleep, Work

Tired Woman Holding a Giant Cup of Coffee Clipart Image  I am still trying to get used to the new longer work hours schedule and to do so without whining. After all three of my aftercare colleagues carry the same schedule that I do and have families to care for as well. But to be honest last night was the first night I didn't feel completely wiped out when I arrived home. My planned schedule for the evenings went totally out the window as well. But there is good news too.
Last weekend was busy, I worked my twice monthly cleaning job then spent a nice afternoon and evening with the GF. Sunday we had an anniversary party to attend that was really fun.
Monday it was back to work but I got some excellent news. My aftercare boss offered my college age daughter a job with the program as well. So L started working with us on Tuesday. She also surprised me by cleaning the whole house Monday before I arrived home. We celebrated her new job and the clean house with a pizza, purchased by youngest son H from his place of employment using his 50% discount. So we continued to be frugal as well.
Tuesday night was hectic. After arriving  home to find youngest son unexpectedly called into work and adult son working both jobs I decided it wasn't worth the little amount of energy I had left to cook. College age daughter L had already been dropped off at her BF's house so I took advantage of the little bit of cash in the wallet and the drive through at Popeye's chicken to pick up their $1.39 2 piece chicken special. I paired it with cottage cheese and a big glass of ice water since we broke record heat levels here that day.
Wednesday night GF came by to pick up an extra washer we had in our basement for his sister. Her machine died and she really did not have funds to replace it. I was happy, happy, happy to gift this machine to her and to free up the space it was using. Daughter K also stopped by to borrow my sewing machine. She is starting a reusable shopping bag project at her house. It was nice to have a short visit with the grandsons. Even after hours spent with 5 year olds. LOL. No cooking Wednesday night since GF thought he'd surprise me with chicken since it continued to be beastly  hot. More Popeyes for dinner. I didn't have the heart to tell him I'd just eaten this the night before.
Thursday I finally had a bit of energy after work. I dropped L at the BF's house and then went home and did a load of laundry and put together a pot of Pasta Carbonara with peas as a side dish. When youngest son H came home from his job the two of us enjoyed a nice meal together. There was enough for adult son J to have once he finally reached  home as well. And the heat finally broke and we had a wild storm blow through here. I think my renewed energy is directly related to the temperatures.
I must do better meal wise next week. All this 'fast' food is not good for the wallet or the waistline. And we will be eating out ("Booster hot dogs") again tonight at the football game.
Today is pay day!! I have already paid the three utility bills that were due online, transferred money into savings towards the big tire purchase, and began to create a grocery shopping list. I will shop tomorrow and I plan on stocking up on some items that got really low while we went through a lean August and half of September. My plan for this weekend since our only social obligation is the Friday night football game to watch H march in the band is to get my shopping done and create October menus as well as choosing ahead of time what exactly I will cook during the week next week.
And of course since there is no rest for the wicked I also have some work to do for my cafeteria job as well at home. I need to get October lunch packets labeled and assembled and ready to go in the backpack mail this week.
But my biggest plan is to sleep, rest, relax, and get myself refreshed for the coming week!

Saturday, September 7, 2013

A tale of three Lamb Chops

kidney lamb strips lamb grillstick lamb kebab lamb shoulder henrys  Last month when doing the shopping I purchased a marked down package of three lamb shoulder chops. Not a cut I normally buy but they were a steal. I had settled on Moroccan Glazed lamb chops for dinner on Tuesday, I pulled out the package and stuck them in the refrigerator to defrost while at work. A quick check with the kids and I figured on just the sons being home.
As it turned out both sons were gone at dinner time so it was just me. I scraped the Moroccan glaze idea and simply seasoned these with Penzey's Greek Seasoning.  Then I lit the grill and tossed on the chops. Meanwhile I quickly prepared some white and wild rice pilaf and steamed some peas in the microwave. Dinner was ready in under 20 minutes.
I found myself with two leftover chops which I bagged up and stuck in the refrigerator.
Wednesday night found me going out after work with a long time friend to an in and out Pampered Chef sale. Once I reached home at 8:30 pm there were no kidlets at home and I was mighty hungry. I grabbed one of the lamb chops, added some pressed garlic and rosemary to both sides and gave it a quick heat up in the microwave (since I'd cooked them to medium rare the night before I knew it could stand the microwave without turning into shoe leather) after cooking up a small portion of egg noodles which I doctored with butter and parmesan cheese. Sliced tomatoes on the side and I was eating dinner by 8:45.
Thursday night I knew youngest son would be working and college age daughter had let me know she was once again going to be studying late at the BF's house. Adult son J works his second part time job (which he has had since high school) on Thursdays so I was once again alone. I have to confess I was a bit tired of lamb and seriously considered using youngest son's 50% off pizza discount from his job but with the high price of lamb in general and the low bottom line in my check book I couldn't bring myself to leave that lamb chop linger in the refrigerator and risk having to toss it out and spend the little money in my wallet ($7) on eating out. Instead I cubed up the lamb, made a quick curry sauce, steamed some basmati rice, threw in the leftover peas from Tuesday night and voila, lamb curry! Another meal in 20 minutes.
I never once suspected I'd get three night's dinners out of that small package of on sale lamb chops.

Friday, September 6, 2013

Scheduling

Calendar clip art Vector clip art - Free vector for free download  It has become obvious to me that I am going to have to sit down this weekend and make myself some type of schedule for after work activities during the weekdays.  This week, although a short one, I find myself dragging myself home, making some type of dinner, cleaning up from dinner, then collapsing in a chair. Not good. None of my chores at home are getting done and with weekends being spent with GF no time there to do anything either. Routine is one of the things I thrive on and I need to get myself into a groove. I am hopeful that by the end of September this plan I've devised will be second nature.

Mondays: laundry in washer, dinner, clean kitchen, move laundry to dryer, dust, swiffer and vaccum the living room and dining room areas,settle on next night's dinner menu & do prep or put stuff in fridge to defrost 

Tuesdays: dinner & clean up, swiffer and sweep upstairs hallway & steps, clean bathroom,settle on next night's dinner menu & do prep or put stuff in fridge to defrost 

Wednesdays:dinner & cleanup, this is the free night to putz around etc. run errands or go to the library or bake, settle on next night's dinner menu & do prep or put stuff in fridge to defrost

Thursdays:  laundry, dinner & cleanup, do any outside work that needs to be done or special stuff I want to do, make sure house is tidy for weekend

Fridays: Football night (well actually Marching Band since youngest son is a drummer) , once football season is over Fridays will be spent with GF as our date night


Sunday, September 1, 2013

August: How did it measure up financially?

Home Finance clip art - vector clip art online, royalty free & public ...I decided to combine my weekly financial report with my monthly summary. We had yet another extremely frugal week. I credit this to both long work hours and short amounts of money in the bank.
Here is how this week's expenditures stacked up :

Sun 8/25: $50 for my youngest grandson's Christening gift

Mon 8/26: $24.99 gas for the SUV / $26.98 school supplies for youngest son H

Tue 8/27: $0

Wed 8/28: $0

Thurs 8/29: $0

Fri 8/30: $0

Sat 8/31: $40.68 for gas for SUV for upcoming week/ $23 on assorted stuff at the fair (pug t-shirt, maple beef jerky, maple sugar candy)

The only expenditure that wasn't something I needed was the fair stuff.  I did receive  a paycheck this Friday but since it was for the few hours I worked the previous week it was very small. Along with what is in the checking it will help towards the first round of bill paying in September.

As for how August finances ended up I am very pleased. All the bills were paid on time, electric costs were kept to an acceptable level even with some A/C usage by adult son J. Groceries were kept well within the strict budget I had set for myself. Youngest daughter's college tuition (after financial aide) paid in full.  And I had a little money for strictly fun items (books, pictures for house, a movie).

Groceries: $100.93 out of the $125 I allotted myself; plus $10 on oat and rye flours= $110.93 still under budget
Gas: $57.81 due to GF's generosity in filling up the SUV several times.
School supplies: $26.98
Entertainment: $5 on a movie
Household budget: $ 5.22 on cleaning/health & beauty/paper goods ; $22 on bread pan/bread keeper/bread bags at Lehman's; $15 on framed artwork for walls $42.22 out of $75 budget
Books: $ 27 on a cookbook, a memoir, and a set of children's classics
Clothing: $11 on two blouses from thrift store I can wear to work!
Gifts: $50

Determined to carry on with this frugality (if not at such an austere level as in August) in September!