For the purposes of this blog and January Uber Frugal month, I am closing out our budget. We went grocery shopping today, but I am not including it since most of the food will cover more days in February than January. I did include the fuel we bought for the van, which was $41.96.
It doesn't show in my screenshots, but we were over our budget by $36.05. Not bad at all considering several things were not planned, such as the dinner on Friday, buying vitamins for our daughter or buying a new fridge water filter. And yes, our groceries are probably inflated, not for eating more food, but for buying high quality food. We are dieting so we are actually eating less..and have both lost weight!
I zeroed all the categories out. This is how I end each month in YNAB. The remaining amount that we didn't allocate to anything this month $1,648.89! Lower spending does pay off! I will add the money to various long and short term goals. Some may go to the Big Goal, most of it will go to bigger expenses that we expect later this year.
Just so you know we are very unlikely to have spent all of that $1600 in a regular month. Compared to December 2017, we spent $1200 more than we did this month. And we spent $450 less than last January. I feel we were very successful this month.
Viewing the 'Low Spend Month' Category
For the purposes of this blog and January Uber Frugal month, I am closing out our budget. We went grocery shopping today, but I am not including it since most of the food will cover more days in February than January. I did include the fuel we bought for the van, which was $41.96.
We had a very nice time eating out. We did really good considering it was a brewery...we didn't drink! And I only had water with my meal. We spent three hours there and spent $38.61 on our entrees and DH's diet coke. He tipped generously with $8, for a total of $46.61 spent. So we are definitely over our frugal January restaurant budget. However, you really can't say no to an invite by friends that you don't see that often.
We stopped by the grocery store last night before coming home because we needed eggs. I did remember a few other needs(flour, turkey crumbles, cheese) as well, along with two requests from our daughter. We spent another $29.94 in groceries. We are now over the Uber Frugal budget in groceries too.
Despite going over budget in a lot of budget categories this month, we have done really well. I purposely put the budget low to keep us thinking about our spending. We have months where we just don't monitor it as closely. That's why I find these low spend months so helpful.
Here's what the Everyday Spending categories look like right now. I will probably end our reporting of our spending and Uber Frugal month after today. We have guests coming and I need to get some things purchased (specifically groceries) tomorrow. Notice how there's just $10 left! That's cutting it close isn't it?
The good news is there is plenty of cash to still be allocated to savings. I'll share that amount tomorrow!! It's a pretty big number.
Yesterday, I spent $3.50 to mail my sister her lanyard that I made. All items I used, including the mailer and card were items I had in my home, so no other out of pocket costs. We decided a few years ago not to exchange gifts, but she is my sister and since I felt inspired to make something I just did it!
I also spent $2.12 on a birthday card for my mother. She will be here next week and her birthday will take place during her visit. I'm not sure if I'm buying her a gift yet. I'm thinking of buying flowers to have during her time here as I know she doesn't NEED stuff. I know we will likely go out to dinner, too.
Speaking of dinner, I just got a phone call that a former coworker of my husband is in town and wanted to know if we want to go to dinner tonight. I guess we are...people before money, right? I could offer up dinner at our house, but since the plan is for this evening...I don't feel prepared in the least.
We have $122.76 left to spend through the end of the month based on the budget I made to be Uber Frugal. We bought groceries on Sunday, so that definitely made a dent in the available cash.
Oh, look you can see that we contributed to our retirement, specifically our Roth IRAs.
My husband also bought fuel since the last time I posted this snapshot. Otherwise I think that is it for spending! I will likely need fuel in my van before the end of the month, but we may come under budget in fuel.
We usually shop for groceries together on Sunday's. I intend to do the same this week. We will go over budget because I will be purchasing food for guests during that trip. The guests arrive on Wednesday. After our shopping trip, I may be able to estimate the cost for foods to get us through mid day on Wednesday. That is what would count for January. The remaining will count for February. It is what it is. Hard to get budgets to match up perfectly with a calendar and unusual events such as visiting guests.
How are you doing with your spending goals this month?
I personally did no spending today. I stayed home and sewed a lanyard for my sister who is a kindergarten teacher. This is her birthday gift. I made it from what I already had on hand in my sewing stash. I will need to mail it to her but I expect that to be only a couple dollars.
My husband received a $10 gift card from AutoZone in the mail today. He purchased new headlights for his truck that had a $10 rebate, thus the gift card. He went to AutoZone to use it for new map lights, which he thinks now wasn't a need but a wiring issue that has come loose. He attempted to get me a battery for my truck key fob, but they didn't have it. Oh, actually he also said he may have stripped the screw that holds the key fob together so we may not even be able to get a battery in it. At least the key still works!
I have some tax documents coming in including my husband's W2. I planned to use whatever the software the military has available, however, the site we need to go through Military One Source is having issues. I'm not able to log in. It seems others are having similar issues. I hope it is corrected soon. I probably could go find another site to use to at least get an idea where we stand, pay or refund. I remember last year doing a projection and expect we may need to pay $400.
Yes, we did go to the grocery store (commissary) yesterday, but we did use up more food in the cupboard and fridge last week. I thought I'd list a few of them:
Can of tuna
Can of chickpeas
5 Halo tangerines
Refried beans (in the freezer)
Leftover pork chop (in the freezer)
I did have to toss some tomato sauce. It had been in the fridge too long. It was about 1/4 cup. Food waste happens.
This week I'm going to make chicken in the crockpot to use up some Pineapple Siracha Jam we received as a gift. Trying to limit sugar, but this is probably the best way to use up and also create flavor for the chicken.
Other items I aim to use up this week:
One hamburger bun
Two whole sized pita pockets
Can of pumpkin
We have croutons, wheat thins and a can of Spaghetti Os that should get eaten but I'm trying to limit processed carbs and none of those seem worth it to eat while on this diet. Yes, I'm aware the pitas and hamburger bun are carbs...may push those off on my daughter. I think I need to donate the Spaghetti Os. My daughter was ill a few months ago and they sounded good to her. I bought two cans when I should have just bought one. We really don't eat that kind of thing anymore.
How are you doing using up what you have? My stash is pretty limited but I'm making a point of using up those things that seem to just keep sitting around longer than usual.
My husband and daughter considered going to Jumanji yesterday. I did remind them it was a no spend month. In the end we did some clothes shopping for our daughter, which was more of a need. We also visited the kitties at the pet store. So cute...and tempting!
Three shirts were bought at Target, spent about $60 on those (not frugal), in addition to lotion, laundry detergent and windex. I had a $50 gift card, used two cartwheel offers and there was 15% off clothing if I used our Red Card. So, out of pocket we spent $25.80.
Today we went grocery shopping. Final total at the commissary was $151.26. Pet food was $21 and Vitamin C was $8.77. The rest was food. We bought salmon and chicken this week, so that wasn't exactly frugal. We also needed lots of veggies which are key to our healthy diets.
Still no alcohol has been purchased! That's three weekends in a row. My husband did mention it last night, but he is committed to the diet for the month.
I thought I'd throw another visual snapshot of our Everyday Spending up for you all to see since it is Uber Frugal Month. Not sure our month is exactly that, but I think we are very aware of the spending that is happening.
I think I mentioned the vitamins purchased for my daughter. That is why Personal Care is already showing over budget. Still have the money in our account to cover it.
And we've spent more on groceries. I picked up eggs and spinach today for $6.10. I do buy organic eggs, thus the higher prices.
And I did send my college daughter a package. It had to go Priority Mail and cost $10.55. This was budgeted and came from the Gift category.
How is your spending going during this Uber Frugal Month? Staying frugal? Or is spending high?
I sold 9 books on eBay last night and this morning. Net amount to our bank account is $32.60. I'll take it and put it towards the Big Goal.
Another snow day because of ice on roads in the northern part of our county, so no school again. I will get out today though because roads are dry here and I need to go to the post office to mail the books!
I will also stop at the store, as we are out of greens and eggs. We will need both for tomorrow.
We will all need to get out of the house this weekend. It is going to be warmer and we've been cooped up for too many days. I don't want to spend money, so I'm not yet sure what we will find to do. I don't need ideas...I know that we'll find something.
We are on our second snow day. Yesterday, could have been a school day as the snow didn't start falling until after 7pm. Yes, rain earlier, but temps didn't drop until much later as well. I guess other northern areas of the county did get snow earlier. That means no driving for me or my husband to go into work. Of course, since the temperatures dropped the heat pump is running constantly.
My husband picked up some more Diet Coke and snacks at the store. Husband and I are limiting snacks and he was just suppose to get one thing for our daughter. Instead three snack items came home. He spent $17+ at the store. Snacks should last awhile because we are not mindfully putting our hands into the package. We measure it all out.
I did purchase several kinds of Vitamins for my oldest daughter. I buy a couple different ones for her and she was basically about out of all of them. I spent $49. That was not budgeted, although she did mention needing them soon. I was hoping to wait until February. It is what it is. We can afford it.
The other cash spent was on my husband's haircut. He spent $13.70. I had budgeted for this!
I'm losing track of what I have reported for snowflakes. Did I mention that I redeemed Chase Freedom rewards for $24.28? That was deposited into our checking account the other day. I listed some items on eBay. No luck on selling yet, but that doesn't surprise me as I'm sure many people are shopped out after the holidays.
I also added $63.15 to the Big Goal. This is the current after tax increase in my husband's paycheck each pay period. I expect the amount will change with the new withholding changes.
Oh, I received notification from Verizon that they gave us a $10 credit for recycling my daughter's old cell phone. Not much, but we'll take it considering it was a 3.5 year old phone.
Keeping busy on the snow days getting cleaning done, updating financials and tax planning, as well as decluttering. Oh, and watching YouTube videos for recipes! All free activities at home.
We have had success on eating it all in the last week. I had made a big list before over a week ago of what we had in the pantry, fridge and freezer.
Here's some of what we used up:
macaroni microwave meal
two cans of pumpkin
box of cornbread
bits of mushrooms
cheesy broccoli rice (in the freezer)
frozen mixed veggies
frozen mixed berries
3 cups of diced butternut squash
2 veggies burgers
can of black beans
1/4 jar pasta sauce
The cupboard, freezer and fridge do look slimmer even after grocery shopping compared to nearly ten days ago.
What have you used up? What could you make sure to use up in the next week so there is limited food waste and less groceries to buy?
I thought I'd share what our Everyday Expenses look like at mid month when my husband get's paid. I basically make the budgeted amount equal to or greater than the amount spent. I subtract from some category amounts to add to others to make this happen. Often there is much more padding in the budget for all the extra spending we tend to do in a regular month.
So you can see there is still money left in Groceries and Fuel. Everything else is balanced to zero now.
In reality, that extra $22.62 was zeroed out as well. I found out when balancing our credit card statement to YNAB that a charge from December 29 in the amount of $22.42 was not recorded in YNAB. That overage then flowed into January. And, of course, it was for alcohol. Ugh! I ended up adding that amount to the budget in December so it won't show up in January...since I'm trying to keep it as accurate as possible for sharing here!
So yes, we really did spend $782.80 in the first half of January on our Everyday Expenses. Spending money probably shouldn't be counted entirely as $142 is allowances for our daughters. I probably should split that into it's own category and put it in Monthly Bills. So that really brings the every day spending to $640.80.
What is really neat about YNAB is that you can click on the outflows and get a pop up box that shows all the transactions that make up the total. So helpful! I do have the offline, version 4, so this may be different than current versions.
Very proud of us for avoiding spending on alcohol and entertainment!
Here's an update on how our spending looks by category for the first half of the month. More money will get added to these on the next payday, which actually may be tomorrow. Yep, just checked. It is pending for deposit tomorrow. I probably won't add to the categories until Sunday or Monday though, in hopes we can stay in budget.
Over in restaurants, due to eating out and buying of water and Diet Coke. Even since the water bottle was purchased, he bought water because the post had a water outage, which was fixed, but then the water looked bad, so he bought instead of refilling from the tap.
Over in Household, and amazingly it is by the exact amount of the dryer part we purchased.
Over in Gifts, underestimated the amount of postage I would need to pay to send a package to my daughter.
And finally, over in Pets because apparently the price of litter went up. I thought we paid under $10, but this 40 lb box was $12.61. But I did just go back and look...we've been paying $12.99. I guess I wasn't paying attention. So I guess this one was on sale.
I will adjust all overages to even before budgeting for the second half of the month. I did buy fresh ginger at the store yesterday for $0.38, I paid with cash on hand which originally came from the spending money category.
Used up frozen fruit today for my smoothie today. Didn't feel so great yesterday, so food plan went out the window as far as leftovers I thought I would eat. We still ate things on hand, no eating out.
Patient Saver commented on my last blog post this morning pointing out that not all carbs are bad for you. She is absolutely right. I didn't specify in my last post that I'm eliminating refined carbs as much as possible. I am still eating lots of vegetables and some fruit at every meal. I like bread too much and because my daughter practically only eats refined carbs as the basis of her diet, I eat them too. So working on eating less of those and even more vegetables. We actually did really well in 2017 adding more vegetables into our daughter's diet. The stuffed peppers from the other night...new to her. She was willing and scarfed it down before her pasta.
Today, I'm making a Pumpkin Lentil Soup for dinner to use up some mini peppers that are slightly past their prime but still good. I also have a can of pumpkin on hand and will use up the rest of my red lentils.
As I'm writing this I'm eating one of six halo oranges that have been around from the holidays. Between my daughter and I we should have no problem eating them before they go bad. I'll make some eggs later to round up my breakfast. I just checked the fridge and I probably should have the leftover taco meat for lunch. I will likely end up eating them with tortillas (refined carb). If I still had romaine, I'd make a taco salad.
Last night we had apple spiced pork chops with mixed vegetables and corn bread. That used up a wilting apple and the mixed vegetables and the last of the corn bread mixes. I only ate one corn bread muffin. There is a leftover pork chop. I will offer it to DH with his soup tonight. If not I have two choices, freeze it or eat if for lunch tomorrow.
So far the only spending since Sunday has been gas for my husband's car. Although he hasn't entered the receipt so maybe there is other spending. I will need to buy him shaving cream today, but I'm going to buy that at Target and use the gift cards we have on hand. I think I need one other thing, but otherwise no other spending.
Also, I think there has been some spending on textbooks and , but those have been budgeted for and can't be helped in a uber frugal challenge. Other than renting or buying used. Not sure what my daughter has done this semester, but she is not officially in the challenge.
I found out my parents are coming to visit. Arriving on the last day of this month, and they stay for 11 days! They won't be here the entire time (also visiting friends that live the next state over), but I think this means that the challenge for me will likely end at the end of the month. I originally wanted to go through the first week of February. That will just be a bit more difficult with guests. So three weeks to go!!
How are you doing eating all the food? How do you feel you are doing with the Uber Frugal Challenge?
Much to my surprise, my husband told me that he had been drinking and buying more Diet Coke recently at work because he needed a new water bottle. This was true. His last water bottle cap melted in our dishwasher a couple weeks ago. And the place where he would buy the Diet Coke has a $3 minimum to use a debit or credit card, thus he would pick up a water AND a Diet Coke. So we bought a water bottle on Sunday for $12.95 at the Post Exchange. If I had known ahead this was all the reason I would have shopped around or purchased one at Target where I had gift cards and didn't need to spend out of pocket. But in the end the cost of the water bottle will be recouped by the NOT buying water and Diet Coke for four or five days! And we didn't buy ANY Diet Coke at the grocery store. We both have really cut this back in recent years, so it was a bit of a surprise he was on a kick with it again.
I'll try to share as much as I can about food I use up this month. Yesterday, I used up 1/8th of a white onion, last of the white rice. I also ate the last chicken sausage dog with a salad that used up romaine lettuce, diced tomatoes, mushrooms, cauliflower, and half a cucumber. I actually have half of that salad left that I will eat today for lunch (with something else I can scrounge up)!
The good news is the first week on my diet was very successful. I lost 6.6 pounds. That is not a normal amount of weight loss for me in one week, but I have been trying to eliminate carbs and eat a little more healthy fat. I did better, but there is room for improvement.
Saw my husband's net pay for the first paycheck of the new year. Increase of $63.15 per pay period or $126.30 per month after withholding. I suppose it will change when the new withholding amounts are determined in February. I plan to sock this money away towards the Big Goal, so that will add $1,515.60 for 2018!
What did you use up today?
Yesterday before I made our grocery list and meal plan I wrote down everything we have in our pantry, fridge and freezer. It was actually quite a bit of stuff! I would list it all but it really is too much.
I then got quite overwhelmed (yes, a few tears) trying to make my meal list. I was trying to balance what we need to use up with what my husband and I would prefer to eat on our diet and with my daughter's food preferences. I was also overwhelmed with the amount of leftovers that I feel are only mine to take care of. My husband and daughter rarely eat them. Although without saying anything my husband did eat a leftover stuffed pepper and a chicken sausage dog after grocery shopping. Hooray!
I finally decided my overwhelm was trying to get it perfect. I let that perfection go. I know there may still be some food waste. But we will do our best.
We spent $88.42 on food for the week yesterday. Had to go to two stores as the commissary was out of salad greens! I'm sure a weather issue getting produce to the store.
Last night we used up five hard taco shells, a tomato and some lettuce. We used up half a can of refried beans. I froze the rest.
This morning for breakfast, I ate the last stuffed pepper with two eggs. For lunch, I will likely eat the chicken sausage dog and make a salad. I have romaine, a cucumber, fresh broccoli some sliced mushrooms and diced tomatoes to use. For dinner we will have fried rice (using veggies from the freezer and the last of the rice) and tilapia that I bought at the store. My husband and I are increasing our protein during our diet.
I'm hoping to use up more things as the week goes on, so will try to remember to share. I expect maybe next week grocery planning will be easier with less things in the pantry, fridge and freezer to use. At least I will have a little more time to think about it than I did on Sunday.
Are you eating all the food? Are you making sure to buy only what you will eat?
My dryer wouldn't start today! And I won't lie, I did think it was likely that I would need to buy a new one. We had looked at some good deals around Black Friday, but went back to we didn't need one yet. I think our set is at least 16 years old, maybe even 18.
But then my desire to DIY the problem kicked in. No the breaker hadn't tripped. Yes, it was still plugged in. Google said a thermal fuse going bad (or tripped) is usually number one cause. So then, despite a snow day here (school and work cancelled), we ventured out to get a thermal fuse.
The business was open. Roads were awful for the first two or three miles after leaving our neighborhood. Packed ice!! But the remainder of the trip was dry or just wet roads. Cost for a thermal fuse was $30.
So we came home (crawled the last two miles in our truck on the ice) and set about finding where the parts were so we could replace. One was easy to access, the other...not easy. We ended up opening the top, the front panel and taking out the entire dryer drum! Yep, taking that drum out worried me the most. But we did watch a YouTube video about it first! There was another back panel we detached and we took out the heating element. I seriously think my husband and I could put these together for a living now that we've seen all the parts!!
The best news is it's fixed! Back in working order and has already dried two loads of laundry.
Actually, the very best news is that part died and we were able to get so far inside...there is a lot of lint that accumulates inside a dryer. Sure most of it likely goes through the vent, but over time a lot of lint accumulates inside. It has been cleaned a few times before, but not this deep. And yes, I know to check the lint trap and the vent to the outside regularly. I'm really glad that we were able to have a reason to clean it out so well. I won't hesitate to open it up again in a year or two and clean it out again.
Oh, we also know how to replace the belt on the dryer if needed. And if I had known we were going to be removing it anyway I may have purchased one while getting the other part. But it still works!
Have you ever fixed a dryer? Or other major household appliance?
We did a big grocery store run on New Year's Eve. We were out of quite a few things, but it feels like we overbought. That may be a good thing as we go into the frugal month.
In some ways, I'm not really planning to start until our daughter heads back to school on Saturday. I did however put cash in our Everyday budget categories and it far less than normal. The amount is $783...and that's for half the month. I know, it doesn't sound that frugal. But yet, some of those are needs, and some have a little fluff in them that I hope not to spend at all.
Groceries are lower and I hope to come in lower than I budgeted. My husband and I are dieting this month, so I expect that will help our food budget. Less snacks!
Fuel is the about the same, slightly higher as we have one trip out of town. I also expect a toll bill this month. I hope to keep myself out of stores, thus only driving will be to school and grocery store.
Spending money is normal. Most of that is allowances for the girls. One gets $17, the other gets $125. The remaining $20 should be for the month to cover parking and tips to baggers at the commissary.
Restaurants is at $60 because I expect one meal out for four people when we are out of town. My husband is also using this category for coffee at work. Not happy about this, but the thermos plan didn't pan out, so he buys a cup for $2 almost every day.
Clothing is at just $25. I'd rather put something in there than nothing. If I find some clearance shirts within that budget, I may buy them for my daughter, but for the most part, I am not going shopping. In the end I hope it is saved.
Household goods is at $20. I know we will need dishwasher detergent and dish soap. Most other household items we should be stocked up on.
I did not put anything in Alcohol or Entertainment. We will not be paying for entertainment in the month of January. And I am committed to no alcohol in the month of January. I think my husband is as well.
Personal care is for haircuts and personal care products. We are well stocked at this point. The only thing that could change is the need for some vitamins, but I do have Swagbucks to redeem for Amazon gift cards, so those could be covered that way.
The gifts category would only be used for postage. I may sew my sister a gift for her birthday late in the month, so that is money I would need to mail it to her.
And the Pet category is a need. I bought our cat food for the month and we will need another box of litter.
Now as I said that is really only for half the month. I will replenish groceries and fuel at the mid month payday. And as you can see some balances are less than budgeted that is because some items purchased (like groceries) were bought on December 31 and but came out of the January budget.
It's cold here in the Southeast! Cold enough that school start times are on a two hour delay today. Cold enough the Army is on a two hour delay! As of 8am it is 14 degrees, and feels like 8. Now I know that those of you in the midwest are far colder, and you are still having school and work!
I'm not looking forward to our heating bill. I'm sure many of you feel the same. We were quite mild though for part of the month, so maybe that will help spread out the cost.
I'm making a point in the next week to use up some of the food items we have that need to be used up.
In the freezer I have about 1 cup of frozen blueberries, one serving of sweet potato fries, 1/4 cup of diced onion, and diced butternut squash (three cups).
In the pantry, there is a box of pasta with at least one serving in it. Raw popcorn, enough to make one batch for a snack. I also see we have a lot of pretzels! I think we are burnt out on those...need a way to season or change the taste. Oh, just remembered I have 1/2 cup of chocolate morsels that I could drizzle over some of them. I don't want to sweeten all of them. Too much sugar this time of year.
In the fridge, there's several inches of ginger that I need to use. I think I will make a ginger tea with that. I also have heavy cream, and almond milk to use up. Heavy cream can go in coffee. The almond milk need to be used up making steel cut oats in the crockpot.
This morning I used up three slices of bread from the freezer. I toasted them and used up almost all of the apricot jam.
I think we are keeping up with most of the fresh produce, so that is good! I think I need to get moving in the kitchen this morning to get some of these things ready for eating!
Spending is high this time of year. Look at what you have that can fill in for snacks or make a meal. You might save some cash at the grocery store!
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!
I continue to focus on eating all the food. I really hope I'm not gaining weight in the process.I mean I did make cookies the other day just to use up butter!!
This morning I used up the last of the frozen strawberries, half a cup of cantaloupe, 1/3 cucumber, and lettuce that was getting close to turning. I made a green smoothie with it. I did add some fresher greens, spinach and butter lettuce, as well. Yummy! An odd mix I know, but the greens were dominate, so the fruit wasn't very prevalent from a taste standpoint.
I just made my first batch of hummus in my blender. I really need a small food processor, but the blender did work. I skipped the fresh garlic this time and used garlic powder. Tastes yummy! I will eat some of the hummus with carrots and celery for lunch.
The next item I see that needs to be used is about 1/2 a cup of milk. I may make some muffins. I just saw a recipe for doughnut muffins...which sound really tasty!
In other news, there has been a little spending in the last couple of days. I took my daughter out for lunch after she passed her driver's test! I also bought her a snack and a used book for reading on the plane ride back to school next week. This morning I picked up contact cleaner and five new workout shirts (3 for DH, and 2 for me). One of my tops was on clearance for $3! We have a couple each that needed to be replaced. I did put money in the budget for those this pay period.
I need to stop by the store to cover a couple meals this weekend while my husband is home for a visit. I have quite a few tomatoes to use up, so I think bruschetta could be tasty! We are going out for lunch or dinner as a family one last time before our daughter goes back to college. After the weekend it will just be me and my younger daughter at home, and I expect meals will be super easy and hopefully inexpensive.
We have been having cooler weather and much, much lower humidity here the last few days. I can tell our air conditioners are running far less. Maybe this will translate into a lower bill next month. This month was $240, which was $20 more than the month before. I really dislike such large bills like this, but this area and house seem to demand it.
I used up the hoisin sauce last night when I stir fried some vegetables for dinner. I used up the feta cheese and kalamata olives in a quinoa salad I made for lunch. Those last two items were not in my original July list. Here is what is still left from my July list:
1 c. brown rice
2-3 c. white rice
1 can tuna
1/2 bottle of Herb & Garlic marinade
1/2 bottle of barbecue sauce
nearly full jar of tahini
I'm going to toss the marinade. We are eating less meat right now with my husband away. And I really don't like the ingredients in it. Next up to use is the tahini. I have chickpeas, lemons, (need garlic), and olive oil to make humus!
Our Amazon Prime membership just renewed. I did consider stopping it, but my husband does use the free music and we do buy things online from them. I am using my Swagbucks to earn Amazon gift cards, so I would like the 2 day shipping! In the end I knew we were using it, just a good idea to be sure you are before a $99 charge renews right? Oh, and I often take advantage of their Kindle First books each month.
It's payday officially tomorrow, but my husband's check is usually pending as a direct deposit the day before. Apparently I checked a bit too early today, as it wasn't showing up! An hour later it was, as it is suppose to be, pending for deposit. Whew!
I saw ladya70's post about the Navy Federal Credit Union CD at 3% and I quickly logged on to set one up! We have a $10K CD that is also at 3%, but it matures on August 10. I was going to be sad about losing that great rate. Instead I can roll all but the interest to this new CD which is good for 5 months. Maybe something even better will come along when that one matures!
I redeemed $10 worth of Swagbucks for an Amazon gift card. It arrived in my inbox today. I quickly logged on to claim and and used it to buy some joint supplements for our cat. I had another Amazon credit so my out of pocket cost was just over $3.
I had my first survey in a very long time from Pinecone. I completed it yesterday and received credit today. Once it is in my PayPal account, I will move it to the Big Goal.
I checked on my neighbor's dog, rabbit, bird and two beta fish while they went on a four day trip. She bought me a gift card for a new smoothie and sandwich shop that opened near us. I wasn't expecting anything as she watched our cat for an entire week! I had checked on the rabbit for two days before, but we were not yet even in my mind.
I used up the butter I mentioned yesterday by making cookies! Yummy! My daughter and I used up the leftover chicken taco meat for lunch.I cooked some quinoa today and will add some ingredients tomorrow for lunch which should use up some more ingredients. I also cut up a yellow watermelon for snacks. Tastes just like the red ones we are used to, but it sure looks like pineapple!
It's been a fantastic money day! Feeling blessed.
I spent $74 for food at the commissary today for food for the week. I'm feeding myself and our two girls. I'm very happy with the amount spent.
I made chicken tacos for dinner with the leftover shredded chicken I had. I added some chopped jalapeno that was free from my neighbor's garden. We still have leftover meat to use up likely for tomorrow's lunch. I also added salsa to my tacos to use up the last little bit in the jar.
We all ate leftover pizza for lunch that we bought out last night for dinner. I used up the last two Wasa crackers for a snack, along with about 1/2 c of frozen grapes.
I bought some store brand spreadable butter recently since our preferred brand was not available. We did eat some of it, but now I have maybe half a cup that I need to use in baking to use it up.
I'm thinking I may also make rice pudding with almond milk. I have more almond milk than I thought, so I need to find another way to use some up.
One other item I need to use up is half a jar of Kalamata olives. My mom bought them while she was visiting and we ate some, but now I have the rest! I do have one idea to put them into a Greek Quinoa salad recipe. I have most of the items on hand, just not all of them.
Tomorrow morning I'm having a smoothie to use up some frozen strawberries, and some spinach that is getting just past it's prime.
This effort to use up all the food has been very interesting. I can tell I didn't do as good of a job as I could in the past. I've been known to freeze things and eat leftovers, but I'm more aware of the produce expiring and looking for ways to use it up before it can no longer be eaten.
Tomorrow, I'm going to attempt to make hummus in my blender! I do have an immersion blender too that would likely work as well.
I mentioned a couple months ago we were thinking of cutting cable altogether. We would just find things to stream online, which we do most of the time anyway. I never got around to taking the boxes in and cutting it off. An offer arrived in the mail offering a lower price for what we are currently getting with the addition of a few new channels, including ESPN. This is Spectrum, which just bought out Time Warner. We expect with our daughter at a major University we will get to see several of the football games on ESPN (although they can't show the marching band ), so that was the pull. We will try it through the fall, and possibly cancel after. The lower rate is just for 12 months, at which time we will either be moving or have already cancelled.
The savings is a slim $11.59, which over the course of the year does save us $139.08. I better add this to our automatic savings so it doesn't melt, but actually gets saved!
Yesterday wasn't super frugal because my husband was home and we made a point to get out as a family. Our daughter is going back to college in just over a week. We played miniature golf $16, and went to dinner $70. But it was very enjoyable to be together and away from our devices. My husband and I did enjoy a bottle of wine ($9) on the porch last night.
I'm ready for a new frugal month! Are you?
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!
From my original list I posted earlier this month these are the items I still have to use up. I do have other items in the fridge, freezer and cupboard. These are just the items I am targeting for getting used up.
1/2 pound brown rice
1/2 pounds white rice
1/2 box of unsweetened almond milk
1 can tuna
1/2 bottle of Herb & Garlic marinade
1/2 bottle of barbecue sauce
4oz of whole wheat spaghetti
1/4 bottle of poppy seed dressing
nearly full jar of tahini
I've been eating spinach and strawberry salads to use up the poppy seed dressing. So yummy! In fact, I ate that for breakfast today. Lunch was bean taco leftovers. Dinner was sandwiches and cantaloupe. For a snack this evening I ate three taco shells as nachos with diced peppers, green onion and cheese!
I know I can use up the almond milk with chia seeds to make some chia pudding. I will use some of the rice in dinner one night this week. We are having homemade pizza and I think I will use the barbecue sauce on it with chicken and onions.
I'm also wondering if I could use the lemon garlic marinade with vegetables? If I don't use it up by the end of the month, I'm tossing it. It actually has a lot of preservatives and junk in it that I don't really want to consume.
In other news, today was a no spend day for me. I'm pretty sure my husband bought groceries for himself. It was very hot and humid here today. I did turn up the air a bit upstairs so it wouldn't run quite so often. I also closed most of the blinds to keep the sun from heating the home.
I finally feel caught up after having guests for nine days. The home is cleaner, I paid bills, I took time for myself to relax as well as spent time with a friend.
I have not made any new progress with my list of items to use up. I estimate I used up half the list. But with guests the menu changed and more food was purchased that did not necessarily correspond with what needs to be used up. I probably should make a new list of food to focus on using before the month ends. I did my final grocery shop for the month yesterday. The grocery portion was $106.91. That should cover meals for three of us the rest of the month. My husband will be home next weekend, and he will also eat a few meals with us. In fact, I may give a few food items to him to specifically eat up!
And despite UFM, I've done some recent spending. We were on our very last three rolls of toilet paper (for three bathrooms), so I was motivated to stock up. I ended up buying four packages of 36 count Scott toilet paper for $23.99 each from Boxed.com.
I became aware that Boxed was offering American Express cardholders a $25 credit when spending $75 or more. I did two transactions, one was $75, the other $80, and received $50 in credits. I purchased four packages of 36 count toilet paper, two packages of 96 count menstrual pads, two packages of 5 count Degree deodorant, a large jar of pasta sauce and a three count package of 3 subject notebooks. All for $105.
Other spending last two days included cat litter, wet cat food, a rental textbook for the fall semester, and one way airline ticket. Not all frugal, but needed.
My best frugal action yesterday was line drying my clothing, and drinking water all day. Today, I will drink water, eat leftovers from last nights dinner, and rent a Redbox movie with a free credit I have.
How is your Uber Frugal Month going? Mine has been challenging, but I'm enjoying being focused on using up food and avoiding waste.
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 spent $139 at the commissary yesterday for food. I'm not sure this will cover all the days my parents are here, but it is a good start. I was hoping to keep it to $100, but I did put some extras in my cart. I do expect these items may help stretch my initial meal plans. We have a lot of fresh food we need to make sure to use up so none of it goes to waste.
Speaking of waste, I had to throw out two things yesterday that were past their prime. One was some milk that according to the package only expired on the the 9th, but had clearly turned days before. So glad no one tried to drink it! The waste probably amounted to 1 cup of milk. The other item was some sour cream, maybe two or three tablespoons worth. I was going to use it up in our taco dip last night but it definitely wasn't worth eating any longer.
Curbing food waste is a sure way to avoid wasting money and food. I know I toss out far more than we need to, so this Uber Frugal Month is a reminder to keep up on the expiration dates, and make an effort to use up before things go bad. Part of that starts with buying only what you know you will eat before something expires.
Yesterday, I ate the abandoned pasta micro meal that was in the freezer. I added the zucchini from the night before to it, so it was very filling. This morning I ate the waffle no one else would claim. I added peanut butter to it that I scraped out of the jar with a spatula. A lot can come out of a jar when you scrape it out. Today, I will eat the leftover taco dip we had for dinner last night, along with the last of the watermelon.
Looking back at my original list of foods to use up it seems I have used up almost half of the items, with portions of others. If I can get rid of the sauces and marinades this month that will help quite a bit.
And....my neighbor just stopped by with produce from her garden. I now have a large pepper, two roma tomatoes, a pint of cherry tomatoes, three jalepenos, two banana peppers and four of some other kind of pepper! What a wonderful blessing. My mom and I will have to figure out how to use up all the peppers while she is visiting.
Have a frugal week! Use it up before it goes to waste!
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