Month: January 2017

Meal plan 001

I have around 80% of these items. (Eh, probably more!) This is my 8 day accumulated meal plan! I will rotate breakfasts and lunchs/dinners/leftovers all the same.

Breakfast:

  • Sausage biscuits & gravy
  • Banana bread
  • French toast and sausage
  • Pancakes w/ strawberries
  • Muffins
  • Oatmeal
  • Breakfast burritos

Dinners/Lunches/Leftovers:

  • Wings & Twice Baked Potatoes
  • Hamburger steak/caramelized onions & gravy
  • Lemon/buttered fish
  • Salmon patties
  • Pasta  w/ Sausage & peppers & garlic bread
  • Sweet & Spicy crockpot pork
  • Refried bean & cheese burritos w/ mexican rice
  • Lentil Chili w/ cornbread
  • Chicken Rotel
  • Crockpot potato soup
  • Mississippi Beef roast
  • Chicken & Cheese rice casserole
  • Meatloaf
  • Ham & Swiss Sliders
  • Fried Cabbage stirfry/or Cabbage rolls

-Hot & Spicy Sausage Dip

Desserts:

  • brownies
  • fried pies & ice cream
  • peach cobbler
  • strawberry poke cake
  • peanut butter pie

 

 

These won’t alllll be made by any means. But I can flip to my list for ideas when I have no idea what the hell I should make!

Week of bust!

Working swing shift means I work a week of each 1st, 2nd, and 3rd shift every month. The fourth week I’m off. Honestly I like it, except, second shift. I HATE THIS WEEK. It ends up being a week of no sleep, not seeing my son, eating crap, and working over time. And where I spend the most money (bill week too). This being my money saving year this happened to be my first second shift on this plan. We usually catch lunch before work at some fast food restaurants as well as AFTER work. It isn’t healthy let alone cheap. (We work the same schedule at the same plant, so we are hour to hour the same and carpool!–& we work no where near each other, so it works)

Monday I made lunch and we brought lunch to carry to work. Tuesday I slept in, and we had food from the freezer which was freezer burnt. I felt awful and we made quick salads with fried chicken strips. Not healthy but it fed us. That awful guilt of bad food I made this big batch up taco soup and sausage casserole. We ate on it for two days while I worked 12 hour shifts. I don’t think I can eat taco soup for a long long time. It wasn’t a good week. Life got ahead of me and it made me feel out of control when I wanted to be. That was the lesson I’ve learned this week. 2nd shift will be the hardest week even if it’s my only 40 hour week (I work over 60 on the others).

It’s the weekend! I’ve got the chance to catch up, inventory, and meal plan what I need to do. My 16 year old brother comes over sometimes and he stayed the night last night. I live directly across the street from a grocery store that has a pizza/hotplate/fried food deli in it. Usually when he stays I send him across the street for two pizzas and two liter of coke. It’s mediocre frozen crust pizza they slap some jarred stuff on very over priced. Which before I didn’t think twice shoving it into my mouth out of the convenience and everyone happy with no cooking or clean up. It’s a convenience that cost me around $25 a pop.

Today I wanted that pizza but again with convenience. Instead I sucked it up and made some from scratch!

It tasted great! I didn’t spend a dime we had everything in the house.

It excited me to plan more items to bake for our week: white sandwich bread, bagels, extra pizza dough, and biscuits.

 

 

 

 

The “B” word Budget. The beginning of my journey.

Let’s start this entry off with a fact: I can save money but I am just as good at spending it. & one is more than the other— && not the one it should be!

This past year I made the most money I’ve ever made. It was nice! This girl put back around 13% in retirement, saved a little in an account for my son and my savings. But there was also the fun side, ya know what I like to call ten months of 2016. We’re talking trips (10 day road trip to Yellowstone!, NYC for 7 days, Chicago NUMEROUS times, New Orleans, Mississippi Coast, Louisville….). When I would go  grocery shopping 88% of the time without a list. The cart fills up and I just swipe my card, pick up a pizza on the way home, and in three days think why the hell we have no food I just spent $150! And in two weeks throw 30% of it away. My sister had her first child and I threw her a baby shower out of state. I paid for the venue, catering, gifts, and so on! My shopping habits were just as disgusting. The lifetime of beauty products and at the moment cannot fit them in my house physically anymore and probabbbbbllllyyyy won’t be able to use them all before I die. Amazon, oh Amazon. I kinda always thought if they would just work like a 401k they’d make double what they make now. Just take it out of my check! You’re gonna get it anyway! I’ve never in anyway been addicted to drugs except Amazon. & I probably should have checked myself into a program. Two day shipping makes me throw it in my cart every time. Christmas….yeah’ glad that is over too says the lady with a 10 year old who has everything and literally cannot think of what to even ask Santa for.

Then in July the man I love asked me to marry him. After nearly 7 years, I got the one thing I’ve been waiting for! (insert awwwww). Did I mention in just a few months I turn the ripe age of 30?! So much “life” has hit me all of a sudden. It felt like the past few months I’ve really reflected on how much I have, what I want, and how to get there. After the Christmas season and my monies started to grow a little the fiance and I talked “life.” I knew my habits needed to change before, but now they needed to change. No more talk! We are on the same page. We want the same things. What we would love more than anything is to save and build a home in the country debt free within the next five years. And one day have myself a little homestead. It’s all we want. (And also along the way save 15% of our income in our 401k and invest in a roth IRA annually.)

Long story short I’ve grown over the last year or so. I realized I’m an emotional shopper. I get a high from it. I have some pretty bad habits. Talking about how I have a good job, and no debt like that effin’ makes me somebody. Sitting in my car every day listening to Dave Ramsey thinking about how “Phew how can these people have gotten themselves in such a hole?!” But the truth is; I was goalless. Who the heck do I think I am to judge anyone else? Here I am reaching for nothing, wasting so much more when I could be saving! January 1st came around and we started a savings account together to automatically withdraw the money to save towards the home. We set a goal and we started the road to it.

I felt something I never realized I felt from shopping before. A high that didn’t make me feel crappy 2 hours after I got home like I did shopping.

It has given me such momentum that I’ve really analyzed what I’ve been spending vs. what I should be spending, as well as saving.

budget101

 

Roughly that is what I’ve spent a month after taking home around $2,300.00. Give or take (I try to pick up OT all the time.) I can guarantee I am not saving  most of that $1,000 before January 1st. My bills aren’t even typical have to spend bills, I’m blessed and wasting it! I can modify that list significantly.

 

With that said I’ve started a Budget. I’m throwing the “B” word around like I know what the hell I’m talking about. I don’t. Never had one before. Currently I’m going through a training program I’m figuring out along the way. I purchased the Dave Ramsey envelopes months ago. Finally, I am using them. Each one is marked and cash filled. My wallet with all my cards except my debit and one credit will be at my mothers so I don’t even see them!

From today until February 1st I have work pretty much. Beyond gas and/or a gallon of milk I doubt I make anymore purchases. February 1st I start my first month on a budget (see how I made it the shortest month of the year ;D !–just kidding!)

FEB BUDGET:

  • Car Insurance $140 (this is going increase, picking up a new company with better coverage, and a life insurance policy.)
  • Newspaper $15 (if I don’t utilize it for at least $15 in coupons I get out of this month–I am cutting it)
  • Verizon $205 I pay my teenage brothers half which has really jacked it up due to keeping a large data plan attached. This is fair compensation in my eyes for the babysitting he does as well as my mother.
  • Hulu, $8 I pay for it without ads. I can cut $4 if I add them back on.
  • Netflix,  $27 I can cut out $12 because of the movie plan we haven’t used in probably 2 years!
  • School lunch $30. This is not something I can’t argue the kid won’t take a lunch, but maybe I can convince him to try taking one again but it doesn’t bother me.
  • Itunes $3 this is to maintain storage on my son’s ipad, pennies well spent.
  • Spotify $11 for my sanity. I loveeee spotify and listen to is daily.
  • Misc Credit Cards…. from my lovely shopping trips. I pay them off in full every month. But this is on crap I don’t NEED. $0 in February.
  • Groceries $300 I’ll keep it right now at $300, hopefully I spend less.
  • Gas $150.00, I imagine it’s less, I’ll keep better documentation of what I actually spend.
  • Pets 100.00, and what I don’t spend will be put away for future Vet/Medicine.
  • I will also keep $100 every check put up for any medical purposes.

Total Monthly Budget Allowance: $993.00 / goal $850.00

House Goal: 128,000

Saved: $3,000

$ to GO: $125,000

 

 

Laundry Soap

Last night I was sitting around playing around on the internet. Booking a random trip to this beautiful Florida island, dreaming of wading, shelling, and eating seafood. Would we fly or drive? Around the $4,000 mark I realized I’m only self torturing myself! The dreary rainy January day outside and the messy house inside….my motivation to do anything was at zero. After hitting the exit button on the booking website I decided to do something that keeps me on the plan! Avoiding the laundry I decided to make laundry soap! Patience is not my best feature, so liquid laundry soap isn’t my go to. I love making the powder laundry soap. When I first started making it I wasn’t getting that “clean laundry” smell and got discouraged. As well as grating soap took forever and I was leaving big chunks out of fustration (again, I lack patience).

 

homemadesoap

1 Box of Super Laundry Soap Booster 3 lb. 7 oz. ($3.24)
1 Box of Borax 4 lbs 12 oz. size ($3.38)
1 Box of Baking Soda 4 lb. ($1.87)
1 bag of preshredded Zote (whoo hoo!) ($2.00)
1 container of Oxy-Clean 1.3 lb ($3.86)
*optional: Purex Crystals28 oz. for scent ($2 -with coupon!)

I bought that new container too at Dollar tree ($1)

My total cost: $17.35  (around 200 loads)!!!

*I use my food processor to grind it all down into a fine powder. Mix it all in a large container. I also use the whole bottle of purex crystals… it keeps the clothes smelling so very good!