Sunday, November 19, 2017

How I Do Our Budget

Over on the Facebook page I have started a discussion about budgets.
I thought I would write about mine here.


We get paid every week and I  have our bills divided by 1/4.  Every week I take out 1/4 of the money needed to pay for the car, car insurance, water,  land payment, etc. and put them in individual envelopes.  At bill time I have enough in each envelope to pay those bills. I then add $5 a week in savings and $5 a week in a Christmas account.

                     


I also take , each week, $25 for my husband and $25 for me. This is not always possible but we get to most of the time , so far! This money is for us to do the individual projects we have going without "upsetting" the other one with how much we spend. I usually use mine on prepping and he uses his on starting a new business. We both disagree with each other on expenses for these things so it's best not to involve each other!!

I take out grocery money, propane tank money, and animal feed money in cash and head straight to those stores right after the bank . That way I have all the necessities covered right away. What a nice feeling!

So are you with me? I take the check to the bank, envelopes in hand. ( Actually I do the envelope business in the car in the parking lot. 😛)
I pay 1/4 of all my bills, and take out cash for groceries, feed, water,and propane. Oh and our separate money!! 😁

               

I also, while sitting in the car, I pay my electric bill. It is all prepaid so I put on, using my smartphone app, whatever amount I feel necessary. My power bill is $100 a month in summer and about $30 a month in winter.

I am blessed that we receive a bonus check right before property tax time so I use that to pay that bill each year.

Now, anything that is left in the account is free game!! Well, not really.  I have kids and they always need something!!

So how do you handle the bills? How does the budget work in your house? Let me know in the comments below.

Linked with A Wise Woman Builds Her Home

Saturday, November 18, 2017

Frugal Meals, First Cars and Snow?

Monday... sausage and egg quiche with fruit, homemade vegie beef soup and cornbread

Tuesday..fried potatoes, scrambled eggs and sausage, pizza burgers

Wednesday .. spicy rice with cheesy tortillas, homemade chicken noodle soup,

Thursday..bean burritos and coleslaw, salsa chicken with corn

Friday..pancakes and fruit, beans and rice on hard shells with a salad

Saturday.. PB&J, chicken tacos

Sunday...grilled cheese, chicken and rice

Now that those are out of the way,


My son got a new car! His first!
                     

I am so freakin' proud of this boy. He was working a demanding job where he always worked loooong hours and the place just shut down. Within 3 days he had another good job based on the high recommendations of his previous employer. Parker has a strong work ethic and it will carry him far in life.

Weather is turning cold...down in the 30s at night, only a short time before it is that all day. I am hoping for snow this year, even tho I still need work done to winterproof the goat barn. With hubby unable to do much because of his back a few things have slid to the wayside. Latest doctors evaluation states that he is still unable to go back to any type of work. He has been off since July!

What all has been going on in your life? Anyone else's kid get a first car? Will you get snow? Tell me in the comments below.




Tuesday, October 3, 2017

Menus This Week

Menu Monday Time again. Only a day late lol.
Anyway, let's get started.
                     

Go here for more great menus

Monday.. waffles for lunch  ( I got the waffle iron for free by using the ShopYourWay program explained here) ( I also bought a belt sander ..$75  on sale for $50 that I paid $24 for)  and minestrone soup with cornbread for supper.

Tuesday..fried eggs and watermelon for lunch and steak and baked potatoes for supper. (We never never get steak but it was a buy one and get two free deal and hubby said take it!)

Wednesday..egg burritos and tacos

Thursday.. obj on homemade bread and vegetable soup with more homemade bread


Linked with Organizing Junkie 

Thursday, September 28, 2017

So I Can Join In

I came across a great blog titled Organizing Junkie and she has a Monday blog hop where bloggers can list their menus for the week. I decided to join in even tho it's not Monday!

I just bought groceries last night so this is perfect timing.

Thursday...bbq chicken and mashed potatoes (bbq sauce was free with rebates from checkout 51 app)
Friday...tacos ( cheese and shells were bought buy one get one free)
Saturday...spaghetti and salad (which was bought on sale and used rebates from Ibotta)( noodles were another buy one free deal and they were organic too!)
Sunday....waffles for breakfast for supper and fruit
Monday... Tuna casserole
Tuesday... chicken salad sandwiches with carrot sticks and ranch dressing.

And that is my menu plan for the week. Comment below and share yours!


Linked with Organizing Junkie

Wednesday, September 27, 2017

My Food Storage Plan

In light of all the recent catastrophes I thought I would share with you how I have been working at having a year's worth of food storage in case something happens that affects my family.

First I planned 10 meals for breakfast, 10 for lunch and 10 for supper. 10 is the number that came out when I began writing down easy inexpensive meals with a long shelf life ,keeping in mind all the eggs I get from my chickens. Thankfully our winters are fairly mild and I get eggs most all year.

Then I began to buy 1 meal at a time, with all the fixings.  Tuna casserole means tuna, noodles,and sauce. So I buy all 3 items at the same time. That way I always have 1 meal complete each time and I don't get stuck with 12 boxes of spaghetti and no sauce!!

For food like pancakes, or homemade bread, for example I need many of the same ingredients. So for example  I figured out how many cups of flour each meal will take and add all of them together. Then I multiply by 12 so I have a year's worth.
Sugar, flour, cornmeal and the like I simply buy in bulk.

I store things in their original package in foodgrade buckets. This way I don't have the expense of mylar bags and such. Most things at the supermarket have a shelf life of 1 year. I am not planning on including my freezer for this since we probably won't have power.
My plan is to rotate everything out at the one year mark so I don't have food go bad.

I also plan to can several different soups so I have ready-made meals that won't require any more thinking other than heat up.
Speaking of heating up...we will be cooking these meals on our wood burning stove or an open fire pit. We lived totally off grid for years so each member of our family knows how to build a pit, start a fire and cook a meal. And yes, we have the firewood!
               

One tip- Instead of using precious water to cook certain foods, I plan on using the milk I get from my goats. It won't work for everything but I will save where I can.

And of course our garden helps things along! Fresh food will be possible,  even if not for everything.

While my plan may not work for everyone and I'm sure that I may have a few holes somewhere I feel like I have a workable goal to strive for.

Proverbs 27:12 - 
“A prudent person foresees the danger ahead and takes precautions. The simpleton goes blindly on and suffers the consequences.”

What about you? Do you store food for emergencies? Tell me more!!


Linked with Simple Life Mom Homestead Home Hop
And Raising Homemakers
And A Wise Woman Builds Her Home

Friday, September 8, 2017

Our Family's $121 a Week Grocery Meal Plan.

Yesterday I took the sale flyer from Brookshires and bought just what was on sale. Nothing more , nothing less. I spent $121. For a family of 8.
What did I get for that $121 and what will I make with it all?

Well the $2 bag of 5 pounds of apples will go into a cake. Leftover apples are a snack.

The gallon of coconut milk ... on clearance! ..will be used for coffee creamer and skincare.

The 2 bags of cheese will be used for homemade pizza.( I received 2 pizza crusts, 2 jars of pizza sauce and 2 packs of pepperoni free when I bought the cheese)

Speaking of pizza, frozen ones were on sale too and I bought a few for a quick  lunch.

I bought some tea, 4 bags of chicken ,2 boxes of taquitos ( yes I went there!) (Whiny kids can get on your nerves), a gallon of oj, 10 lbs of potatoes, 2 pounds of navy beans to make soup with, 4 boxes of waffles and 4 boxes of cereal ...yes I have slipped..we usually make our own, but these were organic and only $1.50 a box and the whiny kids and, and, and they were organic( did I mention that?)

Anyway..breakfasts will be waffles, cereal and more waffles and cereal _ we already have oatmeal and with 30 chickens...we have eggs...

Lunches will be pizza ( twice) , taquitos, and whatever else find around here ..I always have plenty of meal preps on hand, while supper will be chicken and rice, bbq chicken and potatoes,  chicken spaghetti ( I already had 12 lbs of noodles on hand as well as a garlic sauce hubby insisted on buying ( glad he did now!) bean soup, and chicken tacos ...other ingredients already present and accounted for)  and homemade pizza.

We are having apple cake and peach pie for desert this week plus oatmeal and raisin cookies as a snack ( who doesn't  have a jar of raisins on hand?!. I bought 3 lb bags of ORGANIC peaches for $1.75 a bag and bought all 10 bags. Hello freezer!!

And that pretty well sums up how I spent $121 on a week's worth of groceries and what we plan to do with them.

Linked with A Simple Homestead

Monday, September 4, 2017

Freebies and Kohls

So far this week I have "purchased" 2 8x10 photos of my kids for the grand total of $0 !
Moneysaving mom had the link listed for both these offers...it is so worth it to sign up for  her deal texts!!

I have also , in the last 2 weeks "purchased" 60 4x6 prints thru 3 different photo companies and didn't pay one cent! Not even for shipping!

I spraypainted 2 soup cans and voila! Now I have a stylish way of storing my forks and spoons.



Kohls had boys underwear on sale so I grabbed a package. Those things are always so expensive! And by using my Kohls credit card I was able to save 30% more.!
Kohls is the only charge card I have and use. All the discounts I get make it worthwhile; as long as I pay off the balance every month. Last Christmas I was able to "buy" 7 gifts with no out of pocket expense!!

And why was I at Kohls if I am trying to save money? Well, they sent me a $10 gift card for my birthday and a $5 gift card for my anniversary with them! Combining discount codes with Kohls cash I had earned thru previous transactions and these gift cards I was able to get a pair of $15 earrings for $2 and a throw pillow and 3 bamboo cutting boards for nothing!
                               

I added 2 cans of baked beans to my food storage.

My husband bought me roses and wanted to give me a vase at the same time. He creatively chose a thermos! That way , after the roses are gone, I will have a travel thermos for my coffee and a reminder of my beautiful gift.


What did you do this week? Did you shop at Kohls? Where do you like to shop?