Our daughter has returned to college. She flies out of a town an hour and a half north of us. The flight was at 7am on Saturday. So we decided to get a hotel and stay over the night before. We had points, so the hotel was free! It was good to go a little early on Friday because our area had had snow earlier in the week and temperatures had not warmed above freezing, so we had some concerns on the roads.
I had budgeted dinner out on Friday night. We went to Noodles & Company and spent $43.84. I also decided since the included hotel breakfast would not be available at the early hour we left the hotel we should pick up bagels from Panera. We spent $10.20. I did NOT budget for this. I didn't think about breakfast when I was doing the budget. And on Saturday morning upon leaving the airport at 7am we stopped by Starbucks and spent $7.76 on three hot beverages. So we are now over budget in our restaurant category by almost $6.
My daughter had a new debit card arrive on Friday (after we left for the airport) so we decided to get that in the mail to her she she will have it as soon as possible. I picked up three snacks to include in the package. Spent $3.89 on those plus $7.50 for priority mail. I had budgeted $10 for this expense, but went a little over once again.
On Saturday afternoon I ran to the store for four ingredients we needed for dinner. I spent $13.80 on food, including a Diet Coke for DH. This all came from the grocery budget.
After dinner, my husband wanted to go to Best Buy to use his $20 gift card for a camera case. Case was $19.99 plus tax. We spent 1.39 out of pocket.
We also stopped by Target nearby to pick up a sympathy card, a candy bar for our daughter, and a six pack of 20oz Diet Cokes. No money out of pocket because I had a gift card.
Today we will be grocery shopping. The budget says we have $134. I will be checking the fridge, freezer, and pantry before I make my meal list. I want to use up all the things we can. I do have a little bit of a problem because my husband and I are also watching our diet, so specific foods are important. However, some snacks are eliminated, so that is likely a plus. I'll let you know how it works out. I think I will also check the grocery ad for the local store and see if anything we are buying is cheaper there than the commissary.
Have you been working on eating all the things?
Viewing the 'family' Category
Our daughter has returned to college. She flies out of a town an hour and a half north of us. The flight was at 7am on Saturday. So we decided to get a hotel and stay over the night before. We had points, so the hotel was free! It was good to go a little early on Friday because our area had had snow earlier in the week and temperatures had not warmed above freezing, so we had some concerns on the roads.
It may actually snow today where I live! They are expecting an inch, so school gets out two hours early. As a Midwesterner I have to laugh, but the truth is they don't have the equipment here, nor do people know how to drive in the stuff!
After school lets out, I'm taking the girls to get their hairs cut. We use Great Clips. I usually tip $2 to each stylist, so the cost is $15 each. My husband is getting his hair cut today on post. I think the cost is less than $10, but he usually tips $4! As a percentage, we are both overtipping, but we do think our service people deserve it. These were budgeted in our personal care category.
I received $3 from Pinecone Research yesterday. It is sitting in my Paypal account now. I was notified we will receive an $10 AutoZone gift card for a rebate on headlights we purchased. And after getting our daughter a new cell phone last week, I am sending her old phone in for recycling and expect a $10 bill credit on next month's bill. I love money snowflakes!
The first two days of the year were no spend days. I made the point of going to the library to check out some books to read to keep me busy and focused on healthy eating this month. I love the library for the fact that it costs nothing to browse a book. My sister just mentioned spending $100 at Barnes and Noble recently. I do think some were Christmas gifts, but wow that is a lot of money on books! She also purchased their membership which means she plans to purchase more books there this year.
Have you found any snowflake money this month? Do you use the library?
More clothes buying today. Another two shirts purchased for college daughter at JC Penney. Spent $35 after $10 coupon. Considering she is no longer growing and we don't buy clothes that often it was money well spent.
Our family went out to dinner tonight. It was planned and budgeted knowing that it would be nice to go out once while our daughter is home on break. Not sure what we spent, but it wasn't a high end restaurant. Dinner for four people adds up even at fast casual restaurants.
I'm looking forward to doing year end final tallies of retirement totals, interest earned, and Big Goal money.
I sold another item on eBay today. I net about $15. Not bad for a used clothing item I was no longer wearing!
That money will go to the Big Goal. More on that can be found on a page on my sidebar if you aren't sure what I'm referring to.
Spending has been minimal, except I ran to the store today to pick up some things to help my daughter cope with a cold. She arrived home from college on Saturday and was recovering from another cold. It seems she picked something else up along the way home.
In other news, we have had a few days of warmer weather, with rain coming tomorrow. I enjoy these mild days knowing it keeps our electric bill lower.
I'm working on some year end posts. More to come soon!
I just printed my USPS shipping labels for two packages that I will have picked up at our house on Monday. The cost was $32.05. It really does feel like shipping has increased a lot! Luckily, this did fit into my Christmas budget.
I've mentioned before that our Christmas budget is $600. I allocate half of that for our daughters. The remainder is split between my husband and I, my parents, two nieces, and my mother in law. This year I came in under budget, primarily due to using Swagbucks (redeemed for Amazon gift cards) for some purchases and buying some items used for my daughters. Both daughters are used to getting used. I did squeeze in a two pairs of socks for my sister and brother in law. See my Socks for Christmas post about that.
Here's what we spent:
Mother in Law $53 (check for $50 and $3 to ship it with pictures)
Sister's family $99.70 (includes $18.85 for shipping)
Parents $46.83 (includes $13.20 to ship)
Daughter 1 $115.94
Daughter 2 $44.75 (bought used and used Amazon gift cards)
Daughter's shared gift $64.65
Technically, I went over budget for my husband and he went over for me. We were suppose to only spend $50 each. I bought him an extra gift of a saute pan (since he uses one every morning and we had to toss our old one out).
Now I must not have accounted for everything correctly, as the balance in my Christmas budget on YNAB shows a balance of f$103.12. The numbers above come from receipts.Maybe I lost a few. I do know of $10 that was for paper plates and lights. And I think another $20 may be for gifts I bought with Target gift cards, but were not recorded as Christmas in YNAB. So I'm slightly off above in my total spending as YNAB has to be a bit more correct.
The good news, we are under budget! I have $103 to be used for something else. I'm thinking a donation might be a good idea.
I watch a fair number of YouTube videos. There are several out there right now for which the them is what they do not buy at Christmas. I thought I'd throw my take on it. Join in if you want!
I do not buy ribbons, bows and gift tags.
I still have gallon size ziplock bag of bows that I bought easily ten years ago that we reuse for gifts here at our home. Gifts that are not for us, are usually being stuffed in a car or a box, thus do not hold up well with bows and ribbon. I'm currently using up some blank address labels and free gift tags stickers. I simply write the name and stick it to the back of the gift. When I run out of free options, I will simply write directly on the package. Old cards you receive can be turned into a gift tag. I've even used cards stock I have on hand.
I do not buy live Christmas trees I have two artificial Christmas trees. One is from when I was a child, bought in the mid 1980s. And the second one was bought at the end of season at Target about three years ago. I paid $20. I expect at some point we will downsize and pass one of the trees to someone else to use, but I have enjoyed having two trees while living in larger homes. The trees are our main decorations.
I do not buy holiday music or movies We own Polar Express and about 6 discs of music. We have owned those for years, but as things have gone digital and streaming is available online we simply use free options for our listening and viewing needs.
I do not buy new gift bags. Years ago when my girls were in elementary school I bought some classic red and green gift bags through a fundraiser. I use these gift bags, along with others we have received gifts in over and over. I tend to keep the ones that are just red and green, so they all coordinate. And when I buy gift wrap, I choose ones that can be for kids or adults and stay with the red and green theme. I probably only buy four rolls of gift wrap every three years. I did use up one roll this year, so I expect to hit the clearance sales and pick up one or two. I also limit the amount of tissue paper I use by taping the top of the gift bag. No tissue needed!
I do not buy Christmas themed items This one is a bit all encompassing. I don't buy Christmas jewelry, special outfits, napkins, tableware or plastic storage containers.
For the most part you can probably tell, we just reuse what we have purchased in the past. The stockings for the girls are the only ones they have ever owned. Picking a classic style helped, not feel the need to replace something that was dated.
A few other places where our Christmas spending is limited, is we only buy two new ornaments a year. These are for our girls. I usually buy those ones at World Market for $2.50 each. Or I find some on clearance the year before. I currently only send three Christmas cards. One to my parents, one to my mother in law and one to my oldest daughter at college. Next year I will send four since my youngest will be at college. I did run out of cards this year, so that is another item I will buy on clearance at the end of the season.
Tell me what you don't buy during the holiday season.
I combined three errands together to save time and gas money. First I dropped off a large box of donations at Goodwill. I stopped by Walmart and picked up lotion that my daughter said I could give as a stocking stuffer. And then a quick trip to the military pharmacy to pick up a prescription. These were all within a mile of each other but about 15 minutes from my home, so it made sense to combine the errands for one outing.
The only fail is, I wish I knew I needed a lemon for the dinner we had tonight. I could have picked it up at Walmart, instead I had to run to the grocery store just before I started cooking. We had this Lemon Garlic Asparagus Pasta from the Budget Bytes site. Yes, we still have fresh asparagus in our area! It was really good, the only thing we did different was add parmesan cheese on top after serving. I will be serving it again, it was that enjoyable to us.
My Amazon gift card ordered from Swagbucks arrived so I ordered the final gift I needed to purchase. It was no cost to me after the gift card!
I received $3 from Pinecone. I'm transferring it to my PayPal account. Another snowflake to go to the Big Goal.
Still no charge from JC Penney for the pillow! I wonder how long it could take?! That was $10.69, so if it doesn't show up on by the 15th I think I'll add that as a snowflake to the Big Goal too.
My daughters wanted a series of books. There are 12 in the series. I was told I could skip purchase book two as it is a combination of two other books my youngest daughter already owns.
Each book retails for $20. Thus this expense could have cost me $220!! No way was I going to pay that much out of pocket.
I figured if I could at least pay half of retail I would be doing good. I started purchasing earlier this fall. Two initial purchases came from buying used on eBay. One book was $12.40 with shipping and another was $11.13.
I mentioned that I sold some things back to a used book store and was able to use a $13+ credit towards a new book they had listed at the $20 retail price. I paid $7.70 out of pocket for that one.
The deals get better because I found three ex-library versions on eBay from one seller for $21.40. Average about $7 each.
And I made two separate purchase on eBay using Amazon gift cards I earned from Swagbucks over the last couple months. The book prices offered on Amazon varied from $13.59 to $17.36. One purchase was completely covered by gift cards and the other cost me $2.30 out of pocket.
In the end new books that could have cost me $220 new plus tax, were just $54.93 out of pocket. An average of $4.99 a book. A savings of 75%!
No worries that my girls will be offended by used books. They are fans of the library and know that book costs add up. And the used ones that did arrive are in very good shape! The three ex library books do have tags and tape on the side but again in very good shape! They will be very pleased, and hopefully surprised that I found all of the ones requested.
I do sort of wish I started earning the Swagbucks a little earlier so I could have reduced the out of pocket cost, but it is what it is! Still a great deal.
I am so close to finishing my holiday shopping!
I should have done some of this shopping yesterday, as I'm sure I would have saved a few dollars more. Oh well, I'm still happy with my purchases.
Today I ordered a shirt and jeans for my husband. I also added a two pack of infinity scarves for a niece and the required christmas stocking stuffer of socks for my girls. I bought these from Kohl's using a 20% off coupon and a $5 Kohl's cash. I spent $65. The jeans were Levi's, so they didn't get a discount. Free shipping and I didn't have to browse through the store. I think I just saved myself a lot of time making those couple purchases online today!
I'm heading to Walmart to pick up an item I need for dinner, and will see if I can add a few stocking stuffers in my cart! Some are food items and would probably be less expensive at the commissary, so will wait on those and purchase next week.
After the stocking stuffers are complete, I just need to order a card/board game my daughter wants. It is $20 on Amazon. I'm going to earn more Swagbucks, then redeem for a gift card and make that purchase for free!
Right now, the Christmas category in the budget has $183 in it. I still need to make another $50 deposit in December, but will actually just send that to my mother in law. I also need to mail three packages using those funds. I think we may come in UNDER budget! I will do a detailed run down of gifts and cost once I have it all done.
After grocery shopping and making a run to Walmart for things the commissary didn't have, I was able to redeem $3.20 with Ibotta. I have now met the $20 threshold to cash out. I have decided to wait until the end of the year to cash out. I expect December and even early January will bring more options for rebates. Once you cash out, you have start again to meet the $20 threshold.
My daughter said no on one of the Wii U games I thought I could sell. That is okay. I will get three of them listed later this week. I probably should try for today with it being Cyber Monday.
I did purchase a cardigan for my oldest daughter at Target.com today. Their entire site is 15% off and this sweater was already on sale. Plus free shipping and 5% off with my Red Card. I think except for stocking stuffers, I'm doing shopping for her!
I bought my husband some new athletic pants this weekend. He was with so he could try on. I was going to make them part of his gift, but he already wore them!! I guess not. I think a couple new shirts may be just what he would like instead. Or even a new pair of jeans.
I'd really like to wrap up the Christmas shopping this week. The more I'm in stores, the more I see the deals which make me think I need things. And the truth is I don't. The quicker I'm done shopping the better!
Payday is Friday. Except for Christmas purchases, I don't intend to buy anything!
I personally haven't spent much of anything the last three days. I did buy one Christmas gift, but that was paid out of the Christmas budget.
My husband did get his hair cut. I just now sent him to the store to get three food items. While he is there he is picking up the alcohol he wants for the holiday weekend.
We don't have plans to shop in stores on Friday...or likely any other day this weekend. If I know of a deal on something we were going to buy anyway I would likely pick it up online. The crowds are just more than I'm interested in dealing with.
We are having very nice weather, so hope to get out and enjoy the weather and maybe attend a free event downtown on Friday night. Otherwise, I'm going to be very happy watching a couple football games, watching a movie and playing games as a family. Oh, and we will probably decorate for Christmas at some point as well. Who has time for shopping with all of those fun activities?!
It's is my first ever Thanksgiving that I haven't spent with my oldest daughter or my parents! Seems a bit strange, but I'm also glad not to be flying this year.
Wishing you all a wonderful Thanksgiving!
I just bought my daughter's round trip ticket home for winter break on Southwest Airlines using the Rapid Rewards we accumulated this year on our Southwest Visa. The ticket was worth 20,520 points. Last years ticket cost me over 39,000 points. I think the difference was being able to purchase the ticket further in advance. She has been to a bowl game the last two years, and this year it doesn't look like it will happen. If it does it will be a miracle and I will need to change the ticket!
I still have 13,480 points. I may book her ticket home for spring break with those soon. Although right now the prices don't look so great! Probably too far out for the best deals.
I could redeem 13,000 point for $125 worth of gift cards, but considering I got a nearly $400 flight for 20K points, I think using them for flying is the better deal.
I did have to pay the Federal Airline fee of $11.20 and I did pay $30 for my daughter to get Early Bird check in. This is especially helpful for very early morning flights and when the time between flights is tight. Get a front seat on the first seat so you can get to your gate in time for boarding the second flight. I think she has just 40 minutes from landing to take off on one of the trips. That's worth the $30 cost to us.
Do you use airline miles for flights?
We had this for dinner last night. It was really good! Lots of chopping, but very healthy. I'm making two other recipes from the website later this week.
The VA Education department has continued to provide us a housing payment of $1112 per month for our oldest daughter. I just made a $200 deposit for next years housing contract. My daughter would like to move off campus, but is having a hard time finding a roommate. There are ways to find roommates, but she would like it to be someone she knows. If we go the on campus route again, she will get a discount for being a returning student. That discount for the fourth years is $1097. She packs her schedule full...18 hours on average, so living on campus saves a lot of time and hassle than living off campus.
Our youngest daughter applied and was accepted to her college of choice. She plans to major in Industrial Engineering. This is in our former midwest state that we are still residents of. We did however have to provide documentation to the school to get her classified as a resident. Luckily, we were approved. They do provide in state tuition for all military members, spouses and children. This college charges a flat fee for 12+ hours, rather than break it down by credit hour. Of course, as an engineering student she will have higher tuition in her junior and senior year.
Specifically tuition and fees for 12+ hours is $4,318 per semester, or $8,636 per year. She did receive two renewable four year scholarships. One is worth $8,000 ($2000 per year) and the other is worth $10,000 ($2,500 per year). Very reasonable in my opinion. It's the housing that adds up! I don't have the details on those costs yet, as we have not picked a housing option. I think housing will be less than we pay for our older daughter, so that is a plus! And she will be applying for more scholarships soon, so fingers crossed there is a little more money to assist.
Have you ever heard the story Socks for Christmas by Andy Andrews? I was given a copy of the audio version probably 15 years ago by a friend, along with a pair of socks. In fact, I think our entire family received socks from this friend. It made an impact, my girls still love to get socks for Christmas! As do I.
In my extended family, we adults have been known to exchange socks for Christmas. Smart Wool socks are a favorite. In the last couple years we have not been together on Christmas and have also ended our required gifts to each other. This year, however, I'm inspired once again to give socks for Christmas. These will go to my parents, sister and brother in law.
I got a very decent deal on socks at Kohl's last night. These are not our traditional Smart Wool socks, but a very nice Gold Toe dress pair for the men and a soft warm Cuddle Duds pair for the women. After three coupons applied, I paid $4.17 for the men's and $4.42 for the women's. I also picked up a new pair of slipper socks for myself for $5.21.
I plan to attach a tag with some words about socks and my memory of giving them socks in the past at Christmas. I told my husband my plan and he had a big smile on his face, because he knows how much fun we had giving each other socks in the past.
Small, simple gifts given from the heart often mean more than an expensive gift. What gift have you received that touched your heart?
I have aimed to have less stress during the holidays for several years now. The key to less stress is November. Yes, the month of November puts me ahead of schedule to complete the shopping, decorating and wrapping that comes with the holidays.
Yesterday, I printed off free November and December calendar pages to help me mark off all of the holiday activities, wrapping, shopping and planning that comes with the holidays. My first step was to meal plan for the month of November. I still have a few days left to figure out, but getting that task off my mind will help things run smoothly at home.
I'm Christmas shopping online already. My list isn't large and I have time, so I'm keeping eyes wide open to get the best deals. I also have a sewing project to do for a niece, so that will be one of the next things on my list. I want it done before Thanksgiving, so I'm not sewing at the last minute. That is definitely stressful!
Another thing I have learned over the years is to buy less. Buy for fewer people. Buy fewer gifts for those we do buy for. And spend less on the gifts. And guess what? Buying for fewer people doesn't take away the joy of the holiday! It does however save time, money and stress.
I know people will say 'well, I have to buy for....', but that is not true no one is forcing you to buy anyone a gift. It is all optional. Yes, you may need to give a reason, such as we are saving for X, so we need to cut our gift list back this year.
About three years ago, I asked my sister if we could stop exchanging with adults. So we no longer buy for her and her husband and they no longer buy for me and my husband. We give just to the kids. I specifically said, I'd rather you spend the time and money you would use for shopping for us on your own family. It does help that we aren't actually with each other at Christmas.
Our gift recipient list includes my parents, my mother in law, my daughters, two nieces, my husband and myself (my husband buys for me). I have other nieces and nephews, but that side of the family has gravitated away from the exchanges and we also are not there on Christmas anymore.
We will bake cookies and freeze, so if I need some for a work exchange or a neighbor they will be ready to give. This is along the lines of the One and Done concept. Give one gift to many and be done with it. No need to specialize every gift you give. I find nearly any food product to be great for this!
I'd like to hear your thoughts on planning ahead for the holidays and your gift giving plans.
Since my last post, I donated $100 to the daughter of an Army family we are friends with. She is raising money for a diabetic alert dog. She was super excited to receive the donation. I hope she can get the funding soon, as I know it will provide peace of mind to her and her mom.
I sold a Wii workout game online and made a couple dollars. After that transaction, I sent the profits from recent sales to our Big Goal. It's just $15, but it counts.
We spent Saturday at an RV show. Paid $30 to get in the door and $5 for parking. We also needed a snack before we left for lunch, easily over $10 at those concession prices. This activity was a picked as a birthday outing for my husband, so the money was budgeted. My husband is very interested in traveling in an RV after we retire. My biggest concern isn't the money, but the size of these things. They are huge, not that we would get the largest ones. Most likely the travel trailer versions. But I dislike interstate driving in my van, why would I want to drive something so large?! Truth is I probably would not be driving it at all. Only in an emergency situation. But all three of us really enjoyed checking out all the options and features of the RVs. Oh, and we drove 1.5 hours each way to check it out, so it was an adventure!
I recently had my wedding ring repaired. The main reason for the repair was it was cut off last time I was pregnant and ballooned up overnight and it was painful on my finger. The ring needed a new claw to hold the diamond. And I had to add gold to upsize it. In the end my repair cost me $172. If you are paying attention at all, yes, my youngest child is 17...so this is long overdue! I'm so happy to have it done though. It feels like a brand new ring.
Our entertainment budget has ballooned in the last couple weeks, as we have been attending away football games and competitions. I think we have just two more games and two more competitions. Admission and usually money for our daughter to get a snack add up! My husband and I are doing better about eating something before and holding our expense to a water if needed.
We are probably saving big on electricity this month. The weather has cooled considerably. Enough that we needed to switch to heat for a couple mornings. That switch to heat made us aware that our lower unit is not working at all. In fact, even with the thermostat on the wall off, the outside unit fan was still running! I turned it off at the main panel as soon as I noticed. Our landlord is aware and this is after a recent visit by professionals who have said the compressor is out entirely. So I think we are now waiting for a compressor to be ordered and then schedule. In the meantime, weather is mild and our electric usage should drop. At least I hope so!!
We've started digging into our stash of hurricane supplies. The season officially ends December 1, but I feel pretty confident our area is not going to be impacted this year. So this will help the budget a bit in the coming weeks as I make a point to use it up.
And finally, I purchased a new cell phone. Originally was leaning towards an iPhone, but decided the one I was interested based on price, the SE, was simply too small for my over 40 year eye sight! I ended up with a Motorola Z Play Droid from Verizon. Price was $335 or $14 a month. I will get a 5% discount each month on that portion ($0.70) by using my US Bank card. I made my last phone last 3.5 years, so If I can do the same with this one it will be well worth the money.
Busy month, plenty of spending, but it's all good.
I've started Christmas shopping! One item arrived in the mail on Tuesday and another arrives today from Hungary. I mentioned to my girls at the beginning of August that it was never too soon to give me Christmas gift ideas. And they have done just that. Their lists are not flushed out completely, but I figured these couple items would be good to get now. Later this month I'm going to brainstorm for everyone else on my list and start making a rough plan. We've been saving $50 a month since December, so will have $600 saved for gifts by mid November. Yes, $600 is enough, we buy for fewer people now, and buy less expensive simpler gifts. It really makes for a much nicer holiday season.
We did buy my husband his new speakers for our family room. Out of pocket cost for them, the stands and speaker was $457.88. This was paid for with the per diem he received from his summer travel. He is very happy with his purchase and I'm happy for him as he has wanted to replace our old set (which we received as a gift for our wedding) for awhile now.
For now the remainder of the per diem is in savings. I'm pretty sure it will go to the Big Goal, but next time we have a budget meeting, September 15, we will discuss again. We may use some to fund some short term savings, but then pay ourselves back. But it really ends up being saved either way.
We are prepared for Hurricane Irma heading to the southeast coast. We have water, batteries, a hand crank/solarweather radio and cell phone charger, cash, and plenty of non perishable foods. And yes a manual can opener, although we don't have many cans! The weather radio is new. I found one at Bed Bath and Beyond for $51, after my 20% off coupon. I feel lucky as many of these kinds of radios were not going to arrive until late next week!
I used quite a few coupons at the commissary yesterday while shopping. They totaled up to $8.20! I also submitted my receipt to Ibotta for another $1.50 in rebates. I will follow my own advice and transfer that $8.20 from my groceries budget line to the Big Goal. I'm not moving the $1.50 as that is a rebate I will get in cash once I meet the $20 cash out threshold.
I sold a book on eBay over the weekend. Only netted $0.92, but it is now out of our home.
This weekend our landlords drove nearly four hours to put new mulch down in the landscaping beds. It was so needed. In one bed, they changed it to rock. It was very overgrown and over filled with plants. Honestly it really always looked awful. Now it just has a crepe myrtle tree and three rose bushes (which are new) and it looks much better. They also agreed to leave one large backyard bed without much as it only has three trees in it and all the mulch had virtually disappeared and grass has almost filled it all in. This will be much easier to maintain...just mow the grass, no pulling weeds or spraying chemicals! It will save them money in the long term too.
Last Friday, the high school football game was cancelled due to a tornado watch and severe storms. They played their game on Saturday but the band was not needed. We would have been volunteering, thus getting free admission, but we saved the few dollars our daughter would have spent at the concession stand. Tomorrow's weather looks good, so a couple dollars for a evening snack is scheduled. This is how the band makes money, so our daughter does benefit when the money is spent at our home team's concession.
I'll wrap up the post to mention I'm making a photo book for my niece that was adopted by my sister and brother in law in December. I had made one for her older sister when she was adopted. I'm not nearby so I've been gathering the photos as the take them and send them to me. I'm about to wrap it up, order it and have it mailed to her in time for her birthday next week. I'm considering it an adoption gift, and sending money and a small item I'm sewing for her birthday separately.
A lot to do, so I must get back to it! Prayers to all in the path of Irma and those that love them!!
My husband and I did a review of our budget that we track on YNAB yesterday. This really was a first step of our discussion and making new plans. For the most part we are on the same page, we both admitted areas we probably overspend. We discussed some larger ticket items we need to save for. We also talked about retirement and whether to keep saving at the same rate, about 18%, or lower it. We decided to keep it the same for now. We agreed to come back to the budget on September 1 when my husband is paid again and tweak some things. Around this same time we expect to be getting a per diem check for his summer school travels. We will need to make a solid plan on where that money goes.
We did go out to eat for lunch yesterday. I had a $30 gift card. Our bill was just under $20, so we still have more money to use there another time.
Other spending yesterday came to about $30, which seems very low for a weekend. Today will be grocery shopping for the week.
My mom sent me two pairs of eclipse glasses in the mail that she received for free. I appreciate her mailing them because I was having trouble finding any locally. I plan to invite my two neighbors with children over to share our viewing glasses.
My husband is getting close to the point of needing to have his timing belt replaced on his Honda Ridgeline. This is based on mileage and owner's manual suggested maintenance. Our local Honda dealership quoted $1200! This seemed high to me based on around $750+ that we paid for our van a couple years ago. My husband called another dealership 30 minutes away this morning and was quoted $899. He also wants spark plugs replaced and those were quoted less as well. We haven't scheduled the maintenance yet, but once we have a free day and the cash set aside we will be getting the work done at the dealership that charges less.
Groceries are slim here at the house today. I think we are going to use a gift card I received for some pet care to try out a new restaurant for lunch. There may be a little out of pocket, but far less than without the gift card! Tonight we will eat dinner in, but we will need a couple items from the store. And then tomorrow I'll hit the commissary for the upcoming weekly food needs. Right now the grocery budget is still looking really good considering how far we are into the month.
Today my husband and I are going to sit down and discuss the budget. I'm excited to see what comes of it! What are we both willing to do in the next year to make our money work towards our goals.
Yesterday was a No Spend for my daughter and I. We stayed home the entire day. No driving! She worked on her homework (yes summer homework for her AP Literature class) and I did some needed file maintenance. I think it is possible today could be no spend as well. I will need to drive her to band practice, but I don't see anything we need to buy.
My husband did however go out to dinner at Noodles & Company. I think a fellow classmate invited him. He's bored, so getting out and hanging out with others once in awhile is fine. He spent $11.66. He also bought something at the commissary for $4.77. I can see his entered transactions on YNAB.
In the last week, I have been running the dishwasher about every other night. On the nights that I run it, I leave the heated dry off. I then open it in the morning to do further drying. A few hours later I put it all away. This is working for now since it is summer.
The electric bill that is due in September is for $229. Last month was $240, so a little lower. The humidity is so very high right now the a/c is working a lot! Water bill was slightly higher than last month by $7. We have had a lot of rain lately so I expect the bill will definitely be lower the next month. Fewer showers here, less laundry and less watering of the lawn!
Have a great and frugal Thursday!
My daughter flew back to her college town today. This momma is going to miss her! We have her fly out of a larger airport about 1.5 hours from our home to get better ticket prices with Southwest.
I packed my lunch because I knew we would be away from home over the lunch hour. I had already promised my daughter to buy her Jersey Mike's before we arrived at the airport. My other daughter asked if she should pack a lunch since she didn't want Jersey Mike's. I caved and offered to get her Subway. I spent $18.59 buying them lunch. No regrets, but we are now on no eating out freeze! At least that is my plan.
My only other expense was $4 for parking at the airport. Oh, I guess, I will eventually get a bill for using the toll road. I think that is around $8 for a round trip. And yes, there was fuel for the van, which I had filled up the day before. I only used half a tank, so maybe $20 in fuel. All those costs were still far less than buying an airline ticket to fly from the town we live in.
My husband mentioned that the new Guardians of the Galaxy movie is coming out on Blu Ray soon. From what I can tell online it's release date is August 22. I'm starting to get irritated at this habit of seeing the movie in the theatre and then buying the movie when it comes out, which yes we do watch a couple times.I know this particular movie all four of us went to see. I know we went to a matinee. I'm pretty sure we also bought popcorn and a drink. It would be far less expensive to wait until the movies come out on video. I guess it is something we need to discuss for future movies. It's a tough one because it is something they enjoy together. Dad and daughter bonding, ya know!? Again, just something we need to discuss.
I mentioned this is the last weekend before our college daughter returns to the university. On Friday evening, we played the Wii U as a family, games of Mario Kart, bowling, tennis and baseball. All free, and good for some laughs. While we were playing I pointed out their doll house in the corner and asked if it was time to let it go. Which prompted my older daughter to mention that she always wished we had purchased lighting for it. It is wired for it. So we decided to make a trip on Saturday to Hobby Lobby to purchase one doll house lamp. I used the 40% off coupon and paid $5.13. You should have seen them after it came on last night! So excited to see it light up the room!! And now they think they want to see it with more lights. Not sure if that is worth it or not, but it has been a project of many years in the making, so it is interesting to see it come together. Just not sure how much use it will ever get considering they are age 20 and 17!!
I purchased my sister, a kindergarten teacher, some gifts for her classroom. Tissues, disinfectant wipes, and hand sanitizer (which the kids call hanitizer). I don't live near her, so I stocked up at Walmart.com and took advantage of free shipping after spending $35. Total after tax was $37.80. I did add two packages of ramen noodles just to reach the $35 threshold.
I also purchased some gift cards at Raise.com yesterday. I bought a $10 Starbucks gift card for $9.88. Yep, not a big discount, but I wanted to buy one for my sister, so she can get herself a treat or two during the beginning days of the school year. I also bought a Dunkin Donuts gift card for my daughter to treat herself at school. It is worth $5, and I paid $4.95. Again not a big savings. But both cards were delivered within minutes to my email address for printing. The final gift card I purchased were for Chili's restaurant because that is where we were going to dinner! I purchased $50 worth for $41.56. We proceeded to spend $10.95 beyond our $50 gift cards and my husband tipped $12. The savings was $8.44. I'll take it.
I did use our Southwest credit card so will get 1% back in miles. And I used a savings portal I'm a member of to get another 1-2% back (it varied by retailer). I need to make a point to use gift cards more often and get these savings!
Do you use discounted gift cards to increase your savings?
The out of pocket spending has been very minimal lately. There were at least two no spend days, maybe three this week. Driving around has been a bit limited, too, so less fuel consumed.
We made one run to the store for a treat, ice cream, yesterday. And just this morning I ordered some vitamin supplements online, spending just $20 and getting free shipping.
I've used up the following from my list at the beginning of the month:
whole wheat pasta
poppy seed dressing
most of the hoisin sauce
Today, I finished up the cereal I found in the cupboard that the girls said they were not going to eat. I ate the last of the strawberries with spinach and the poppy seed dressing for lunch. I also had the last chicken dog in the fridge with some stir fry veggies from last night.
I turned off our sprinkler system for two days this week partly due to lots of rain. That should save a little money!
I'm starting a list of school supplies needed. I don't expect the number of items to be much, but the cost of the items will not be cheap. My daughter will go through at least four 2 inch binders this year at least based on our experience last year. I'm keeping my eyes open for a sale on them, because they are expensive!
My parents left this afternoon after visiting for nine days! It was great to see them, but that was a really, really long time. I now feel like I need a vacation.
I don't think I spent too much money while they were here, as they took us out for several meals and even bought some of the groceries. We limited our trips out of town to two, which I purchased gas for. The museums and the beach were free, we also played a lot of games to keep ourselves out of the heat.
I do know some food was thrown out, but I now intend to use of the leftovers in the coming days. My meals may be a bit odd! The most frugal snack I bought was a large 2 pound bag of popcorn that cost me $1.79 at the commissary. We didn't use it all, but it made a lot of popcorn just using the pan on the stove. I had forgotten how fast and easy it is. That is a huge savings over microwave or pre popped popcorn.
I hope to have more updates soon, but for now a little rest before I get back into the routines!
I just harvested a bunch of lettuce from our garden. Maybe for the last time this season...it seems a bit on the bitter side. We will still eat it mixed with other greens or add to a smoothie. There was also one cherry tomato and a summer squash ready. I do need to do some fertilizing as the soil here is awful!
I used one of my Frito Lay coupons today at the store. The price of the chips was $3.20, so received that off my bill. I also used two other coupons, that I found in the store, for another $1.50 off products I purchased. I have moved $4.70 from the grocery budget to the BIG goal.
I probably saved more money today, as I made a list and later crossed a few items off. I would guess another $5 to $10 worth of savings by skipping some items that were not needed. I also don't think I added anything extra into the cart...oh actually I did. But both were less than $2 combined. I also had a couple times where I picked up an item I needed only to find the same thing, different brand in another aisle for less!
We have been able to keep our irrigation system from running all but one time in the last two weeks because we have received so much rain! Maybe the water bill will be a bit lower next month.
What are your frugal wins?
In other news...
We have been hearing from our daughter each afternoon. Evening for her. She left the UK yesterday and arrived in France. I know she will be in Paris tomorrow evening. She isn't saying a lot because it seems to be moments before she dives into bed. I think the trip is going well. We have seen pictures on Facebook from a teacher who is posting. I will be interested to see how much of her money she spends!
By midnight eastern time, my youngest daughter will be arriving in London for her first international trip! She will be gone 14 days. I will admit I did get a little teary eyed at the airport. I'm going to miss her. I guess a good trial run for next year when she leaves for college.
I'm glad my older daughter is home this summer. With my husband away I would probably be quite lonely!
I'm not sure how much we will hear from her, but we did buy her a very small data plan which included some texts for a whopping $40 with Verizon. One teacher on the trip plans to send at least one text a day, while another teacher is posting pictures to Facebook. As long as I know she is alive each day, I will survive.
And if you are curious, she is in London two days. Four nights in France. One night in Belgium. Four nights in Germany. And finally one night in Austria. I think she is hoping to use a little of the German she has learned while she is there. The theme of the trip is WWII and the Western Front.
I guess I will save on groceries a bit during these next two weeks, with one less mouth to feed.
My husband has found out his room while he is away for three months of training is a fairly basic hotel room. It doesn't have the stove and kitchen supplies we were expecting. It does have a microwave and a very small dorm refrigerator.
The good news he does get 'free' breakfast everyday. I hope it is somewhat decent as some of those breakfasts can get old after awhile. There may be a manager's reception/weekly social at least one night a week.
He will be back home for Memorial Day weekend, so we might have to figure out some options for food he can buy and eat from the commissary without eating out for every meal.
He is getting per diem to cover meals. Originally we were told it was $69 a day, but it is 75% of that because of the length of the training. That works out to $51.75 for each day. For thirty days, that is $1,552. I think the man can eat decently for that, even with some eating out.
The truth is I would love to keep as much of that money as possible. Even half or 2/3rds of that amount seems possible. I guess we will know more as it all plays out.
There is a lot to discuss when sharing the nitty gritty of college costs. I expect to break my posts down about this over several days. I even need to check with my daughter on how many credits she took each semester.
First here is a screen shot of the annual expenses for a full time undergraduate student taking 30 hours from the 2015-2016 Common Data Set at the school she is attending.
Living on campus is required at this school the freshman year if the student is under 19.
She is an out of state resident. She did receive a renewable four year scholarship of $14,000 per year. That is equal to $56,000. She also received an art scholarship her freshman year equal to $4500. And because she is an Honors student, she receives $500 per year towards books. Because the way the billing is, the Honors scholarship is really like any other scholarship and reduces tuition costs.
I do want to say that even I see areas where costs could be reduced. But we all make choices for our spending that are not about dollars and cents. I'm not going to go into justifying the decision. We are simply grateful that we have had the ability to pay the costs so far without taking out student loans.
In my next post I will try to break down actual costs for freshman year.
My daughter applied for her Post 911 GI Bill education benefits while she was home on spring break. Her certificate of eligibility letter arrived in the mail this weekend. We were expecting it to say 18 months of eligibility as that is what my husband transferred to her and we have documentation of. Instead it said 12 months 6 days.
My husband called the VA today and and it turns out that by law they are required to count educational benefits he already received and used for his bachelor's degree against the Post 911 GI Bill. He used 24 months of a 48 month benefit. He has 24 months and 11 days left. We are splitting the benefit equally between our girls, which means 12 months and 6 days (likely five for our younger daughter).
While this is a surprise and not what we planned I am okay with this. It make sense that the government would not give soldiers educational benefits totaling more than the time one degree would take to complete. My husband did get his bachelor's degree (it was an accelerated program and he had a lot of transferred credits that counted) paid in full. We did benefit from that. He wouldn't have well paying officer's job he has now without a college degree.
The original plan was that 18 months of benefits would have been worth at least four semesters plus housing for our oldest daughter. Each semester is considered 4 months. I hadn't figured out how the two extra months would have worked out, but now I don't really need to.
The current plan is to make use of 8 months worth of benefits for her Junior year, which starts this fall. This will cover the tuition and fees above her scholarship, even at the non resident rate (because of the Yellow Ribbon program). These benefits will provide a housing allowance, but will not cover the full cost of her room and board, and $1000 towards books.
The next question is what to do with the final 4 months of benefits set aside for her. We expect she may need to go an additional semester after the senior year (and some summer classes in between) since she is a double major. Because the scholarship ends after four years, the full out of state tuition will be billed for all credits she takes. I do think it is a full 15+ credit hours the way she has it mapped out right now. It may make sense to save that final four months of benefits for that final semester, since it will be the most costly. The two senior semesters are at least reduced by the scholarship.
Our oldest daughter's senior year is the same year our youngest daughter will be a freshman in college. It is possible, but very slim, we could be eligible for some aid. As always the government would be more than happy to offer us a loan! We also don't know at this point which college our younger daughter will attend, or know the scholarships she may receive.
We can adjust the number of months of benefits we transfer to our daughter's also. So if it seems our younger daughter will have lower costs, we could move some of the benefits to the older daughter. I expect we will know a lot more by the end of the year or early next year.
It is a little overwhelming to look at my older daughter's costs coming up and only see about $8000 sitting in her education funds!
I guess I should add that we aren't against taking a loan out at some point. Maybe for one of her senior semesters? While we support her getting two degrees, it doesn't mean we need to pay for it. I kind of have though the final semester should be on her, but if I could get that most expensive semester covered by the Post 911 GI Bill that would be helpful to her, to have less to borrow.
Sorry if my post is all over the place...this just happened this morning, so I'm still wrapping my brain around this. I hope to come back later today or tomorrow with another post that is a bit more detailed and responds to Monkey Mama's post.
Here's the chair I painted. That is not it's final resting spot, but did make for a good picture. I actually have a church pew I need to paint to put on that wall instead of the chair.
The fridge gaskets arrived today. Very easy to install the right side (less than two minutes). The left side took a bit longer because I had to briefly detach the mullion (yep, new word for me too). But including getting the tools and detaching it, I would guess that side took under ten minutes. Now no more mold! I do hope that the tighter seal helps holding the air and moisture in and keeps the seals free of mold.
I've been run down with a cold this week. My husband had it first. He even missed a day of work recovering, which he has never done while I've known him. So a few cold remedies and soups have been purchased to make it a little more tolerable.
My daughter is having a friend over tonight. I would normally make homemade pizza, but I'm ordering out, so that I don't pass on any residual germs to my daughter or her friend. Not exactly a cost I planned on, but there is cash in the restaurant category.
I will be writing a $54 check for the band banquet next week. It's $18 per person for a bbq pork meal. I'm sure the costs include some other things given out to students. I sort of wish these types of things didn't exist. They didn't at our other school and it was perfectly fine without a banquet.
And finally our college daughter arrives home by plane on Saturday. We will need to add fuel the van to make the 3 hour round trip to the airport for pickup. We might be able to get away without picking up food since she arrives mid afternoon. However, she may not get a chance to get lunch, so she may need something. I could probably make a sandwich wrap and take it along in a lunch bag if I'm feeling better to make it.
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