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Too Much Spending at Kohl's

July 13th, 2018 at 01:11 pm

We just returned from Kohl's where we ended up spending over $375! Yes, this was a shopping trip primarily for our youngest daughter to get dorm room supplies. I'm not going to go into a full breakdown, but we primarily bought bedding, shoes, socks and underwear, a wallet and a several new shirts. My husband decided he needed jeans and my older daughter picked up a shirt and a body pillow and cover for it. I bought nothing for myself (can you tell who is the most frugal?)

We 'earned' $105 in Kohl's cash that we can spend next week. I think we will go back for towels and a couple other clothing items. I had purchased towels earlier this week at Target, but she has changed her mind on the colors, so those will end up being returned.

And in good news her future roommate texted that she has a microwave, fridge, Keurig (my daughter could care less) and a rug she can bring. She also has some organizers she can bring later (just not on move in day). We offered to bring a television and a couple more rugs, and likely something to put the television on. Oh yes, and a toaster! More than likely we will buy those items once we arrive as the back of our van is going to be packed as it is!

The spending is overwhelming, but I do know we have the cash and in the end it will even out. I expect our grocery, water and probably electricity bills to be lower once both girls are out of the house.

Spending, College & Vacation

July 7th, 2018 at 09:29 am

These next six weeks are bound to be expensive!

We just book three nights at a hotel in the mountains. We are getting the government rate. No points to use because I used them all up on the last trip! Cost is $400.02. We will have gas and food expenses, and possibly a museum entrance or two...but would like to stick to exploring and hiking in the mountains.

I just ordered vitamins, water filter replacement cartridges, and hair products for my oldest daughter. She had this on her list of things she needs to stock up on before school starts. It's still about a month before she leaves, but I went ahead and ordered them and had them mailed to my parents house! They will be there when she arrives and can take to school. I don't want to load up her suitcases too much for the return trip!

We are going out today to find some of the 'lighter items' on her list (clothes primarily). I'm hoping we can get my older daughter's needs taken care of in the next week and then focus on our younger daughter AFTER the trip. It's really overwhelming the things you need to buy to send your child to college. I know the first time I definitely didn't think of everything, and there were extra trips made on the day of move in, and lots of packages sent those first few months. This time, I know even more what is needed, so will do our best to get it all ahead of time!

And I need to make a flight reservation for oldest daughter. I book this one way in the fall and one way in the spring. The rest of us are driving back to the midwest since we expect to have a lot of stuff for our newest college student! Although I think it could be possible to fly, and simply buy everything there on arrival...but it sounds more stressful.

I did use Ebates to get 2.5% cash back on my Ulta order. Here's to at least finding some deals along the way! Smile

Returned The Rash Guards

June 21st, 2018 at 10:37 am

We purchased five rash guards before our trip (on sale, clearance and with a military discount). My husband bought two at the time?! Short and long sleeve. He wore his short sleeve one almost the whole time. I probably had mine on for a couple hours, and the girls didn't wear theirs at all. It was a nice idea that wasn't entirely needed for this beach trip. My youngest niece did wear hers the whole time, looked super cute and considering she was practically rolling in the sand as the waves came in it had to have been helpful!

Anyway, I returned the three that had tags that we didn't wear. I may try to sell mine on eBay when we get back from our next trip. I don't think I will wear it again.

Amount back to our charge card $43.30. I'm thankful that things can be returned!

Eating Through the Pantry

June 21st, 2018 at 07:56 am

After guests our fridge and freezer are nearly bare. I did buy a few things on Tuesday night to have for dinner. Last night we simply ate grilled cheese, sweet potato fries from the freezer and apples for dinner.

I would go to the store for groceries buy we leave again here shortly for five nights. So I don't want to do a big stock up.

Tonight I have potatoes, carrots, onion and milk, so I think I will make potato soup. I probably need to get cheese and maybe celery. That uses a few more things up without buy a lot extra.

I can make a grocery list and meal plan while we are away and be ready to hit the grocery store when we return from our trip.

At least being a little frugal with meals helps offset the dining out we will be doing.

Whirlwind Update

June 19th, 2018 at 08:22 am

It's been a very busy week after having my parents, sister and her two girls visit primarily to see our youngest daughter graduate high school! I'm exhausted this morning after taking them to the airport at 4am. I have had a chance though to process my husband's paycheck, add transactions to YNAB, move money around, and pay off the credit cards.

Just prior to my parents arriving my husband was out of town for work for three days. I haven't yet taken the time to figure out his actual expenses, but we did receive $515.85. Some of that is per diem, and the rest is mileage on the truck he drove. I'm sure he didn't spend that much. That money for now is sitting in our second checking account, and I think I'm just throwing it towards our Big Goal. Smile

I spent $220 on food when guests were here, but my Dad also spent ANOTHER $230 on food and some alcohol. So $450 for 9 people for 7 days. We did eat out for five meals, which was additional money spent. We went to the beach for three nights so most of our time was spent sitting on the beach or at the resort pools. Not a lot you can spend money on...unless you venture out and get towed!

Yep, we parked in an expensive lot for three hours, but came back about thirty minutes early to find our van had been towed. The truck, which we also drove, was still parked. In the end it was a bit our fault. The lot has these machines where you pay and then put the ticket on the dash. My husband started the transaction and at some point I looked down and saw a ticket, so I pulled it and handed it to him. Turns out that was the ticket for the person BEFORE us and that ticket expired two hours before ours would have. They didn't even tow until it had been expired for an hour. The cost to get the van out of the impound lot...$160 CASH. Big mistake on our part to not actually look at the ticket. So embarrassing. But we weren't the only ones that night that were careless, the man at the lot said six other cars were towed that night. A bad chain of events for all of us. We thought about pursuing a refund of some sort, but in the end the security guard, and tow truck driver were only going by the information on the ticket...and they were within their duties to tow based on that information. We are not happy about losing that money, but it is just money and we were determined to continue to have a good time and just let it go.

The good news is that today when I was paying off credit cards I redeemed $71.89 from American Express, and $45.95 from Chase Freedom. I also have three rash guard shirts we didn't end up wearing that still have tags. I will return those for at least another $40 to $50. Money flows out, but it also flows back in.

Oh, and my sister is going to give me about $100 to cover food and gas. She is giving my dad some money as well since she didn't contribute while she was here. She had the cash on her this morning, but we both forgot about during the early rush to get to the airport. She will send a check or send me money by Paypal. That will help the budget, too!

I'm exhausted, but we leave in a few days again to go to our youngest daughter's college orientation. Hotels are covered with points, we already paid the airline tickets, but will have a rental car, food and gas to cover while we are there. I think we can also buy the first semester books after she has enrolled in classes. I still have over $1,500 in our vacation fund. Smile

That's all for now! Stay cool and frugal.

No Loans! Six Semesters, Two Summers

June 8th, 2018 at 05:35 am

This morning I paid the balance of my daughter's summer tuition in full out of our checking account. Today's amount due was $1,613.26, which was far less than I estimated.

Originally, my estimate was just under $3,700 without books. I was a bit off on my estimate. One class is a business class and thus carries a premium tuition rate, which added another $534! I also didn't add in the fees, which seems odd that I failed to do that. Books (specifically access codes for online instruction) were added to the tune of $245. The finally tally was $5013.26 for six credit hours. Reminder this is out of state tuition.

But we were blessed with a scholarship of $2,800. It was part of our daughter's main scholarship, but somehow was not applied last year when she took one class. So we didn't know that it would cover summer classes. So at this point I was expecting to pay $2,213.26.

But when I went to pay there was a credit of $600, leaving the balance at $1,613.26. We can't tell online specifically what the $600 is, however we think it is likely one of the music scholarship she received this spring. She was expecting a check for it. I think the University would cut a check if there was not a balance due. So instead the credit goes towards the current tuition owed. In the end it is all the same.

Sometimes I'm just amazed at our ability to have paid tuition and housing in full without loans. Let's see if we can continue the trend! Oldest daughter has three more semesters with intended graduation date of December 2019. And of course, our youngest is starting this fall, so another four years and we should be done!!

Medical Expenses

June 7th, 2018 at 04:29 am

I don't budget for medical as we are rarely ill and our insurance covers pretty much everything when we are. We also have a rather large emergency fund.

One of my daughter's and I are now seeking care from a provider who cannot be reimbursed by our insurance. Our insurance simply doesn't cover this common treatment. So out of pocket it is.

Our initial exams with diagnostic tests were $199 each, or $398. I had nearly all this in our emergency fund set aside at the beginning of the month. So that was easy.

I paid $1152 for a series of visits that will cover both of us through the summer. This was a 30% discount offered for paying in one full payment. That is a significant savings. So on the charge card it went. And since we never pay interest on credit cards, I went looking for funds. I found $300 set aside for eyeglasses, but we aren't in current need of those. And finally, the easiest thing to do was to use some of Big Goal Savings we had accumulated this year that was still sitting in our checking account.

I would have preferred not to pull from the Big Goal money, but I think our health needs are a bigger need. My goal is to pay ourselves back, we may have extra vacation funds later this summer, or after I evaluate the funds I have for tuition and housing I may have some to throw from there.

Cash saved gets you the medical you want that the insurance companies will not pay for. Cash is freedom!

Pay Day Approaches

May 30th, 2018 at 06:48 am

For the most part I deal with finances twice a month. Yes, we enter receipts in YNAB as best we can daily or every few days. Lately, it seems there is a transaction missing, but it ends up that it was entered on a different card. It seems to be my husband not paying attention, which is frustrating when I go to reconcile the accounts. I do usually figure it out, but takes much more time than it should if it were just entered correctly the first time!

So pay day is two days away. Today, I went in and paid off all balances on our credit cards. There were seven payments! I had a balance on two Amex Cards, Chase Freedom, Southwest, Kohl's, Target Red card AND Discover! That sounds awful doesn't it? But the balances on four of them were less than $25 each, including something for $5.99 on our Southwest card which we are not really using much. I think the purchase was charged to that card since it was what was on the account for an online purchase. Our tires were on one Amex card, and the other two larger payments $631 and $547 were charges for everyday expenses.

I also had to move some money around in YNAB to keep the budget categories from being negative going into next month. We've spent a fair amount on clothes recently, some for graduation and some for the beach vacation. I pulled $200 from the vacation fund to cover these. I'm still over in household expenses by $75. I just stocked up on toilet paper, paper plates, dish detergent, hand soap and other things to have at the house for guests here in a few weeks. I will just cover that overage in June. This is the beauty of having extra funds in your account...can be over in one category, but not actually running a deficient in the checking account.

I'm really looking forward to June being over. It is going to be a whirlwind with graduation, guests, going to the beach and then also flying out of town for five nights for college orientation. Maybe July will feel relaxing? Of course, we have to prepare for getting the girls ready for college, one will need more than the other since it is her first year.

Thankful the cash to do what we want and need to do!

Under Budget!

May 25th, 2018 at 12:18 pm

Our tire purchase came in under budget. Yesterday, I estimated $750 based on their estimate and a discount. Turns out the total came to $681. That means we still have money in our car repair and maintenance fund to the tune of just $72. I think I may just let my husband get his windshield wipers replaced. Smile

We are up to date on all maintenance for awhile. The hope is there are no repairs needed anytime soon. I clearly need to keep adding to it. Although we do have a regular emergency fund that would take the hit if something major were to happen.

Have you come in under budget for a major purchase lately?

Getting New Tires

May 24th, 2018 at 05:08 pm

I'm getting new tires on my van tomorrow. This will be the third time we have replaced the tires on our 2007 Honda Odyssey, which has 135K miles.

Cost of four tires and an alignment after the military discount should be around $750. Maybe less. I think our original quote has a warranty of some sort on them with the tire store. Since we will be moving and this store doesn't exist there, what's the point?

Not sure we exactly got our money's worth on this last set. I thought they were rated for 90K miles. Do tires actually ever make it to their mileage rating? This is the only time I noticed that they didn't even come close.

The good news is I have this amount in our car maintenance sinking fund. No debt! Not that we have been in debt for quite some time, but we are still rocking being debt free!

Oh, and to be more specific we are adding $225 each month to our sinking fund for car maintenance and repairs. This was the average of what we have spent on two vehicles in the last two years. As they get older they do have a little more repairs needed. We are determined to hold these vehicles until our daughters graduate college. Just four more years to go!!

Spending Season Begins

May 13th, 2018 at 01:26 pm

Spending season seems to have arrived at our house. And I don't expect to exactly stop it. It's just that time of year where are expenses are higher.

Our oldest daughter is home from college. Grocery bill is up. Her three instruments needed to be serviced for the year. I bought her new shoes, considering one pair we replaced was from when she was in eighth grade it was a definite need! Oh, and she needed new music, books for summer classes. We also received the bill for her Xray, just $36 after insurance paid. The office visit itself was included in school fees we already paid for.

Our youngest daughter's high school graduation is in one month. And we have company coming and we will go with them to the beach for three days. This is causing us to buy some needed items to make that event happen. Clothes primarily. I found my graduation dress for $39 at the Post Exchange. I won't need shoes, so a pretty decent bargain. There will be lots of food spending in June as a result of company.

It's also PCS season. PCS means Permanent Change of Station for military members. My husband has coworkers who are leaving for other jobs, and it always involves a final goodbye lunch at a restaurant. Each person pays for their own food. A couple of those a month seems to add up.

It's just that time of year. I have to simply expect and embrace it. It doesn't mean we are out spending money we don't have or spending without thinking. It's just that time of year where there are more things going on and the spending is up.

Do you feel you have a season of the year where you spend more than other times of the year?

Money Magnet

April 26th, 2018 at 03:22 pm

Geez! Our oldest daughter is a money magnet as of late. This afternoon she was presented with a $600 scholarship for leadership in marching band. It was the first time this particular scholarship was given out. Smile

We feel so very blessed.

In other news, I gave away $50 to ethical science research. I'd like to give more and likely will, but I did this on a whim. I need to discuss future donations with my husband. Smile

We ordered our tickets in advance to see Avengers:Infinity War on Sunday morning. We have never ordered in advance, but noticed it was $1.00 surcharge per ticket which seemed reasonable to save time. When Black Panther came out we went nearly an hour ahead of the time and that showing was already sold out. This time we'll go early to get good seats, but we will already have purchased tickets.

Rewards & Spending

March 19th, 2018 at 11:57 am

In the last week, as I have paid our credit cards in full, I found that two of them had rewards I could redeem. I redeemed $22.11 in cash from our Chase Freedom account. We have been using that card for fuel, cable, phone (Ooma) and Netflix purchases this quarter to earn 5% cash back.

Our American Express card had earned another $25 in rewards. This is applied as a statement credit, but I did put that same amount towards our Big Goal.

Today was a little spendy! My husband is home from work while our daughter visits. We ran to Target to pick up a sympathy card, light bulbs, shaving cream and packing tape. We decide to make this our day out to each lunch. We will eat at home the next few days, with more eating out to celebrate her birthday later in the week. And finally, we picked up some hair product our daughter uses from Ulta (did have a coupon). That was $83 of spending! I'm glad I added extra to our budget accounts.

My husband is going to get the oil changed in my van tomorrow. We have been saving for car maintenance, so no worries about finding cash for that! We are set.

Tonight I'm making this for dinner. Some of us will add chicken. I'm also going to use some hamburger buns to make a garlic bread. I've made that recipe with green beans instead of asparagus with good results...even more frugal.

Lower Electric Bill

March 14th, 2018 at 11:03 am

With the warmer weather a couple weeks ago here in the Southeast, the furnace and air conditioner were not running much at all. The weather has cooled again in recent days, but the end result is a much lower bill from last month.

Remember my bill in January (due in February) was $350?! Last month it came down to $250. And this month, the bill is $161. This is still higher than I like, but for this home it seems to be the near minimum for running everything. I think I will start funding the electric account with a minimum of $250 each month to help level out the larger bills sure to come this summer. It's easy to do this in YNAB and let the money keep rolling over from month to month.

Payday is tomorrow. I will pay all credit card accounts in full, reconcile any accounts in YNAB (did some today) and fund everyday spending for the second half of the month. I will also fund the bills and withdrawals (such as Roth and college investments) and our sinking funds.

I'm more hands off with finances than I once was. Once you have excess funds, you don't have worry about overdrawing your account, or finding money when a larger bill comes in because you have funded it in advance (sinking funds). And YNAB helps keep track of all that as well.

Happy Pi Day!

Spring Break Trip with Miles

February 17th, 2018 at 03:21 pm

I just booked our oldest daughter's flight home for spring break. She will fly Southwest Airlines. I used points we accumulated on our Southwest Visa during 2017 to cover the cost of the flight.

Almost Free!

I did pay for Early Bird Checkin, which is $30 roundtrip. If I were flying alone, I'd skip it, but as a young adult she does like the ability to pick her seat early so she can get off the plane quickly to get to her connecting flight on time. It basically is paying for her to have a little less stress during the process. And I had to pay the TSA Security Fee as well, $11.20.

Grand total $41.20. Can't beat that!

Higher Grocery Bill

February 13th, 2018 at 05:27 am

Wow, the first half of the month is nearly over! My parents were here for 12 days, and boy does it show in the grocery budget. We spent $202 on a full grocery trip three days before they arrived. And then proceeded to spend $276 more in groceries while they were here! We did eat very well and I know there are leftovers I can still use up in the coming days.

And believe it or not we even went out to dinner a few times. We picked up the tab for my mom's birthday at a sushi place. They bought me lunch at a Indian restaurant, Panera and another lunch at the sushi restaurant. Otherwise all meals were cooked at home, but I guess we picked all the expensive ingredients!

So maybe we can get the grocery bills lower in the second half of the month. I do know my daughter and I will be eating leftovers for dinner while my husband is at a work event this evening. I will need to take stock of what I have and make use of it as the month progresses!

Computer For College

January 29th, 2018 at 06:13 am

Last night we ordered a Dell laptop for our youngest daughter. She is heading to college in the fall and we found with our older daughter it was nice to have it purchased well before the first day classes.

Originally we tried to purchase one direct through the University to save on sales tax, however, the one they recommended and were offering was no longer available. It would have been $1299, including a 4 year warranty. Apparently, it was a special deal the university was able to get in cooperation with Dell last year. (I'm sure there will be on again in the early summer or fall, but we decided to just get what we need now to be done with that decision making process...it was stressing us all out for some reason!)

We basically got the same laptop we originally ordered through the University. We did downgrade to a 3 year warranty because that saved us nearly $250. We upgraded to a 2 in 1 version, so that it has a touchscreen available and can be flipped and used like a tablet.

Our daughter will be an engineering major, so the laptop does have higher specs than some students may need in college. We did get an older version and an older processor, but again the same one the University was suggesting that we thought we could still purchase.

The University did give us some other options to purchase but they were more expensive than the one we ended up purchasing directly with Dell. They were having 10% off select computers (slightly older models it appeared). The warranty was three years for the price of two. We did get free shipping, but had to pay sales tax of 7%.

The final total charged to our US Bank card was $1,481.65. I had selected electronics stores as one of my 5% cash back categories for this quarter. That will amount to $74.08 off the total. I went through the Ebates shopping portal for 2% back (better than Swagbucks 1% offer), and that will give us $27.88 back in cash (should arrive in May). Both of those more than cover the sales tax we were charged.

I did have to move another $184+ to the computer category as this is the amount over what we originally thought we would pay to the University for the laptop they offered. Luckily, a low spend month help me know we have that amount covered!

Computer arrives on Thursday, and my daughter is excited. She and I no longer have to share! Smile

Closing Out January

January 28th, 2018 at 04:18 pm

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.

Dinner and Grocery Spending

January 27th, 2018 at 11:20 am

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. Smile

Dinner Out Tonight

January 26th, 2018 at 07:36 am

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.

Everyday Spending Update

January 24th, 2018 at 04:10 pm

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?

Some Spending Averted

January 21st, 2018 at 11:53 am

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.

January Spending Update

January 19th, 2018 at 02:20 pm

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?

Spring 2018 College Bill

January 17th, 2018 at 08:34 am

We have a bill that will be sent out in the next week for our University expenses. The final amount, including books that we were charged is $4,383.69. All of that is housing for the second semester. And we will get reimbursed from the VA over the next few months for just under that amount. Specifically we will receive $4,336.80 to cover housing.

I currently have $5,854 set aside in our college category in our checking account. So there will be no issue paying the bill when it is due in early February. After the bill is paid that will leave $1,470. I expect to need at least $3,700 to cover two online classes this summer. The bill will be due early June. My goal is to pay those out of pocket, and I have been setting aside $410 per month to make that happen. It does appear we are on track!

I increased our younger daughter's Educational Savings amount to $333.33 from $166.66. The maximum amount you can contribute each year is $2000. She turns 18 in July. At that time you can no longer contribute to the account. I increased it in order to get the full amount funded by her birthday.

You add those two amounts up ($410 +333.33) and we are setting aside $743 each month for college expenses. That is what saving and cash flowing look like. And if we had car payments like so many American's it would be even more difficult to make this happen. So happy my 2007 Honda Odyssey with 130K miles still looks and runs great!

Mid Month Budget To Zero

January 15th, 2018 at 03:46 am

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!

December Electric Bill

January 14th, 2018 at 01:18 pm

I'm annoyed. December electric bill was once again off the charts during our time living in this rental home. Electric heat pumps are not efficient with single digit temperatures. And we have two units in our home that are sized too small for the square footage. Builder grade units that have been limping along. I'm not even going to share the amount. I can't wait to move out of this place. It's a nice home, but the air and electric are sub par.

Bill is due in early February. Will put some of our savings from our Uber Frugal January towards the bill. I look forward to March where I hope to see it drop significantly.

Another Spending Update

January 13th, 2018 at 09:00 am

I'll be honest, I know we are not being as frugal as we could be. We are not doing bad at all, but there would be a little room for improvement.



Whoops...sorry didn't include the category names. They are in this order: Groceries, Fuel, Spending Money, Restaurants, Clothing, Household Goods, Alcohol, Entertainment, Gifts, Personal Care and Pets. I did include a screenshot at the bottom.

Payday was yesterday, so I'm going to close out the spending for the first half of the month looking like this. Notice the $915.67 left to budget at the top. Yep, I haven't put that money anywhere yet. I just wanted it to hang out there while we kept our spending low. There is no way under normal circumstances we would have spent that much in these categories. Most of that will end up in short term savings...college and car repairs for example.

More grocery spending. We checked out the new Sprouts store in our area yesterday, while picking up more baby spinach, himalayan salt, avocados and a couple treats. Spent $19.85. The original total was nearly $50! One of the treats that was $1.49 rang up as though we bought 20 of them!! Luckily I caught that error while at the store.

Just this morning I ordered my daughter more generic Zyrtec for her allergies. A need that I wasn't aware it was about time for. However, I see I did order the bottle this time last year, so it was time. After the balance of a gift card was applied, I spent $13.52. That was noted in the Personal Care category.

So you can see if I balance all the categories to zero we still have $22.62. We did make it within the budget that I put forth, but the categories were not as planned. And that really is how budgets can go at times. If you were doing a cash envelope, you would move money from one to another to make it work.

I'm really happy to report no spending on alcohol! It has not bothered me one bit not to drink. My husband is doing great, but when he is bored the urge is there. I'm committed for the full month of January and at this time do not plan to fund that category.

Also no out of pocket entertainment spending. We did rent a movie on Amazon last night. We used an Amazon.com gift card balance to rent it. Out of all the free content, my husband chose one to purchase. His desire to spend low is not as strong as mine!

We also spent some money at Target that is not reflected in the budget because we used gift cards. We picked the needed bar soap (bought a 10 or 12 pack), and added on a six pack of Diet Coke, a sweater on clearance for our oldest daughter and a dress for our younger daughter. Amount spent was $48.32, with most of that being clothing.

I will probably post again tomorrow with what the spending categories look like after I add to them for the second half of the month. Here is what they look like balanced to zero, or in the case of groceries and fuel a little bit left!



Oh, yes and if you see that that totals don't add up that is because we went over in Groceries, Personal Care and Pets in December, and it rolls over to the following month. All of those overages happened on December 31. We had already been paid for January, but the transaction at the commissary was in December, but it really is part of spending for January. Or at least that is how I have it set up in YNAB.

Not Afraid of Vegetables & Fruit

January 10th, 2018 at 05:44 am

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. Smile

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. Smile

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?

Diet Coke Resolution & More

January 9th, 2018 at 05:12 am

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?

Friday & Saturday Spending

January 7th, 2018 at 07:35 am

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?


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