28% Debt payment (extra car)
Looks kinda cool due to the extra weeks income! (BTW the remaining 3% is sitting in the bank as cushion still)
Lessons learned this month:
1. Yes I can put back things when I am over budget, even if the money is in the account should I feel like using it, just not enough things ...working on it.
2. Forgetting a phone and failing to call for a grocery list may result in spending less money (I cook he shops...under budget on food by 80$)
3. Lowering the heat may not result in low enough gas bills, that hot shower may have to be shortened...next winter.
4. Yes we can stay out of stores if I plan well....and are willing to suffer through lima beans and spinach for almost a week!
Plan even better on groceries, and stay under budget for 'misc.'.
Expected 'Misc'....umm....none....so why do we always spend so much!
Though I do foresee some trouble with food as it is my sons birthday and Easter.
Archive for March, 2007
Today for lunch we had, as usual, leftovers to nuke.
After hands were washed, kids were seated and oh so patiently waiting, I opened the door of the microwave and pulled out the container... and then watched it fall to the floor. OOPS
As noodles and broccoli crashed to the floor covering 3 square feet in a saucy sticky mess, I actually thought, cool.
No not that the leftovers were that bad, actually they were good. But it is cool that we can afford to replace the meal. I simply scraped the food up into a pile, and put it aside while talking to the kids about replacements.
We had alternatives, from waiting 20 minutes for mac N cheese, to nuking those easy macs the Grandparents sent, to whipping up a batch of spaghetti or beans, we had options.
Given the state of hunger we went with super fast nuking a veggie and making PBnoJ. But isn't it amazing, I didn't have to feed them food from the floor to prevent starvation, and we am not looking at starvation later in the week to make up for a lost meal. We just had a couple sniffles over the lost food, and a wonderful discussion over how blessed we are to afford enough food to make up for a clumsy momma, and moved on.....
We learned a wonderful lesson from our lunch off the floor, but I don't plan on repeating it anytime soon!
This nifty calculator says we will be fine If we up our 401K by just a bit and...if Social security holds out...
I don't really want to rely on that.
But we do plan on upping the 401K contribution next year, so if we do that each year, and then pass the current need we aught to be ok...except for that social security thing....
But regardless it is a far cry from the last
I actually have hope of not needing my kids to support us, or of having to work at age 90 (though in case I haven't mentioned it when the kids leave, I plan on getting a part time job teaching or something..because I would be so bored without!)
We had our date! we spent ALL the date money..we splurged, we were not frugal...and it felt wonderful to know I was not spending milk money, though I do admit a twinge of conscience that I aught to save some of it to pay off the car..but..only a twinge
Not planning on spending that much again, but we are planning on going out again, maybe in a month or two.
I did spend a few minutes thinking how amazingly different this year is from last. Last year at this time I also received gift money for my birthday...But we did not go out and splurge, we spent a little bit and the rest went to extra groceries.. This year we had leftover Christmas money, that wasn't needed for groceries, combined with my birthday I had enough money to spend a wonderful evening and no I didn't drink water! I do like water, (no ice with lemon please) but sometimes I like something different, (glass of wine) and in general I feel I cannot spend the money on wine, when I could get it at home for 5$ a bottle vs 5$ a glass (yeah cheap wine, really I can be a pretty cheap date)
Last night, I felt free to spend every last penny (that was budgeted), on the wine in the fancy glass that I didn't have to wash..and the water kept being refilled again no glass to wash (I dirtied two glasses!)
Anyway, just grateful for the wonderful change in finances, and grateful for the chance to know need so I can delight in plenty....I know that seems weird, but if I started rich I wouldn't be so grateful! (Nor would I think 35K a year was rich .)
Just placing pictures
on a side note..can you see my page? (on right says 'bio'
thats where the pictures went btw (one of each kid)
Well sorta, all my work is done, two trips to the recycle center, one more in line and room to walk around the car when parked. Not the passenger side, but the driver side is no longer an athletic feat to get in...I think, car is not in the garage right now. But it looks better.
Of course all spring cleaning in my house comes with a need to purchase 'stuff'
In this case an S hook for two bikes (bitty bikes, so cute and short!) plus some brackets to hang shelves (we have the shelves) plus some looooong nails to make a 'table' to hold the lawn mower out of the way...weird to say that, but we have a ledge around the garage, if the mower is on the ledge the car fits, if not....it doesn't, so we have to get it a bit up off the floor...with a handy dandy plywood found in a dump while they were building a house (sticking out the top, no workers lunch or anything yucking it up..)
umm, oh yeah and some hooks for the bike helmets....
I think that is it...And well there is this guy who does home stuff we know who gave us wall paper...I wonder if he ever has odd hooks laying around he wants to get rid of too? I have to figure out how to ask without sounding like I am err asking for stuff...yeah that'll work.
Oh yeah! and we are NOT going to PA, update on father in law he is doing better, and home so we figure he needs rest without rug rats still open to going later if need be, but not tonight (nor tomorrow, date is still on!). Thanks for all the well wishes!
We are doing a new book in Sunday school, or planning on it anyway, the book plus workbook costs $13 or you can get the book used and buy the workbook for 3$, personally I would rather neither, but then I am cheap.
So we found the book used and offered to help others find it that way to, we agreed to go buy 5 copies. Now the chances of finding a copy of most books online used and cheap is good, the chances of finding 5? not so great.
So far we have 4 coming and one with 'some writing' we figure we will take that one and hope it is a person who took good notes. My husband did all the work and reminded me that we go to a church full of people making double triple or even quadruple our 35K salary..each...and most of them are dual income families...for the most part they think $13 is a fine price for a book.....I am not sure they want a used book...but they did agree to try it.
Either we will make a convert or two or we will convince them never to touch a used book again.
And btw this means I do not have to write the book down as 'bought new' Or those other 4 books we had to get while we were there....(what your k, 1st, 2nd, and 3rd grader needs to know - got tired of renewing them from the library, and the 2nd and 3rd grade book will be used for all 3 kids, the others for 2, seemed reasonable)
Though I am not obsessed..course it isn't my exact name (my last name is shared by an author who wrote a book about a character with my first name)
Now my user name..the hits it gets ... that irritates me silly I know, but can't help it My only saving grace is some are actually me ain't I special....
My father in law is in the hospital again and we may go to pa to visit, will use the date money for it..so no big financial hit, but...no date.
Planning on packing english muffins, some treats that were given to us, and some fruit/nuts. that plus water and some peanut butter should keep the food costs to about what I have saved for our date. I also am figuring on baking before we leave some muffins, maybe cookies (for him) and cheap eating out.
Now gas isn't cheap, so I am not sure if that will come in under budget, plus we plan on paying our babysitter at least half her fee since she reserved the night for us...could be out making money (and better money, we are cheap) if she wasn't on hold for us. Not fair to give her nothing.
Waiting on more news from the in laws before we pack, but either way, it sure is nice to know we can go if need be. No cancellations, husband already worked his 40 hours, so not missing work, no meetings or important work that must be done...and my kids wont miss any education at all . (not to mention will gain a great deal of insight what kinds of things we do for family)
Oh and btw my father is better, came to visit and everything, not too sure on the details, but glad he is healthy again.
So in my recent attempt to lose weight without the benefit of nursing I discovered lots off odd facts.
1. I eat a lot..ok I knew that, but really I eat a lot! (over 2000 calories when I am being healthy)
2. the 1500 calorie rule of thumb is HARD! and I am having no luck at it at all, not even a smidgen.
3. It takes 3500 calories burned to lose one pound!
4. I burn 2202 - 2500 calories in a normal day (now today was not a normal day I was burning way more!) (info from same site)
Now to take that information and figure out how to lose weight without feeling super deprived....
Taking 3500cal/7 =500 less per day to lose one lb a week.
average 2200 and 2500 = 2350
take 2350 - 500 = 1850
So if I do nothing more than my housework I can eat up to 1850 and still expect to lose a pound a week....if I do something really strenuous and burn at least 150 calories I can eat up to 2000 and still lose weight.
That I can manage, I think.
See the internet is a wonderful resource!