GROCERY TRIP 8
Our last grocery trip of this 30 day budget. We went to our local Lin's Grocery story- Lins is a Food Club brand store (formerly Western Family) This trip our purchases included: 2- 24 pack of Pepsi- $4.99 each on sale3 loaves of wheat bread- $1.89 each3 specialty sodas (for fun) - $3.172 boxes of 20 hamburger patties- $10.99 each3 blocks of cream cheese $1.39 each5 dozen large eggs- $6.993 gallons of milk- $2.09 each6 bananas- $2.052 bags of mandarin tangerines- $2.99 each1 bag of 32 string cheese- $5.192 loaves of garlic bread- $2.99 each Total cost for this trip: $79.75 Running Total Budget for the 30 days used: Groceries purchased: $646.85 Groceries used in meals: $280.75 Date Night: $99.33 Pizza: $94.29 Our budget for these 3 for the 30 days is: Groceries- $600, Date Nights- $100 & Pizza- $100 Since we may not use all the groceries purchased in this time, and will be using some things we have on hand already, we will be tracking both the running total of the best estimated cost of meals each day as well as the cost of groceries/date nights/pizza purchased during the 30 days.
So, something that we have learned is to always expect the unexpected when it comes to planning your budget. We had heard this term before and never took it too seriously because let’s face it, we were new to our #debtfreejourney and we hadn’t had a visit from Mr. Murphy yet. We were naive.
Well, this month that has all changed and it gave our budget a one way ticket in the wrong direction. We had a leak in our patio roof, so Kyle attempted to fix it. It worked for a day and the next big rain (like thunder shaking the house type storm) it started leaking (well pouring) all over again. So, there went more money that we didn’t have budgeted. After those two hits to our budget (fingers crossed it is fixed) we also had a few other things come up we weren’t expecting and didn’t budget for. So, long story short(ish) we didn’t do a great job of expecting the unexpected and Murphy got us.
We are over budget this month. There’s nothing else to say but to own it. We won’t be putting as much as we had hoped towards our debts, and as the last weeks of the month have began we have decided to not let these facts take the wind out of our sail. We have decided to learn from our mistake and EXPECT THE UNEXPECTED in our future budgets so we can tell Murphy to pack his bags next time he visits!
8) Aksesoris & Pernik Buatan Tangan
Yg diobral Rizka @toko_nyonya_liang kapan hari tu kubeli semua. Ini salah satu titik lemahku. Kalau dipikir-pikir sebetulnya bukan aksesoris atau perniknya karena nggak semua aksesoris/pernik bikin mupeng. Masuk ke toko merchandise-nya Hello Kitty gitu, disuruh milih, dibelikan, kuminta mentahannya aja.
Pada dasarnya pinginku dipicu desain-desain tertentu, warna-warna tertentu dan bahan-bahan tertentu. Mau itu aksesoris atau perabotan, kalau desainnya sederhana/klasik/nggak pasaran dalam warna-warna alami dan terbuat dari bahan-bahan alami atau kalau toh bukan dari bahan alami secara keseluruhan berkesan alami, bikin kalap.
Kalap mungkin bukan kata yg tepat. Nafsuku memiliki barang makin lemah seiring bertambahnya umur. Mungkin karena makin paham sama seleraku sendiri. Barang yg sesuai seleraku nggak banyak. Nemunya susah.
Karena selera yg "susah" itu juga, beli/milih/makai barang jadinya nggak asal kalau nggak bisa dibilang rewel. Yg membedakanku dg kebanyakan orang: rewelku bukan di baru-bekasnya, branded-nggaknya, mahal-murahnya, tren-ketinggalan zamannya barang tapi di desain-warna-bahan suatu barang. Mulai dari barang kecil seperti cincin sampai barang besar seperti mobil dan rumah.
Mestinya konsistensiku di desain-warna-bahan yg sangat spesifik itu yg mengalihkan perhatian pada umumnya orang dari murah-mahalnya barang-barangku. Bertebaran orang yg barangnya mahal-mahal tapi tetap aja nggak bisa nutupi selera yg payah atau nggak punya selera (=disetir sama tren). Orang yg nggak punya selera atau nggak ngerti seleranya sendiri sangat gampang dibikin pingin sama iklan dan strategi marketing.
Bargain shoes ✨💸 I scored both pairs for $15 with @spendlessshoes buy one get one 50% off sale. It included sale items so I snapped these up. I love slides and hardly wear sneakers/heels so these are going to be well worn. Retail price: $29.99 each, so a saving of $45 if I were to buy full price (haha! I’d never do that) ✨🌸
A reminder that just because it works for one person, or loads of people, doesn’t mean it will work for you. Budget and money is so personal, I am always happy to share what I do (very lazily do) to budget and save - I don’t have many accounts or funds etc. I just save in one place and spend from 2 places (credit card and ING account to get 5 transactions per month). I keep it basic because too many numbers and restrictions cause me stress. But it’s a game you need to play until you work out what suits you and your needs. // also same for when you’re sharing your opinion with others, remember it’s yours and not theirs - you aren’t always right. 💸✨🌸
I got my car serviced today and it was such a good feeling being able to pay for it using cash. The money came straight out of my car maintenance sinking fund. Each fortnight I add cash from my pay to the cash envelope ✉️ and that way when the time comes to service my car, pay for registration or insurance and buy tyres etc I have the money ready to go. Knowing I’m organised with this part of our budget is such a stress reliever!
This Little Darling is loving a sense of pride and duty. Started teaching her how to scoop the food yesterday and feed the dog and she did it perfectly today. It brings me joy to watch her gain this sense of desire to help and be of service. She pulls things out of the dishwasher for me to put away, she helps me change over the laundry, she helps clean up her toys. Babies first chores :) what did you start having your kids do as part of family chores ? #choresforkids#daveramsey#mom#girlmom#duty#pride#hardwork
It's hard starting a business. Was even harder keeping this business debt free while also paying off student loans and two mortgages. But finally, I'm here and thankful to everyone who has supported this journey! So yes, I will be taking some unplugged time off (for the first time in years) to celebrate! But don't fret, the awesome team (Brittnee, Kristy + Hannah) will be holding down the fort this week while I'm practicing self-care 💜 Thanks in advance for showing them the same love 🧡 xo, Bernadette
We spent our Saturday morning at a 5K supporting a charity that we frequently donate to. We find it important and the least we can do to give back each month. I know a lot of people wonder if they should continue giving while paying off debt/mortgage or saving for something. It’s really a personal preference and what makes your heart feel good. This is something we’ve continued doing while paying off our mortgage and it makes us feel really happy each month!
What are your favorite charities or causes you like to donate to?
So my side hustles have been pretty slow for the month so far, I’ve only made one sale on Facebook market place and I can’t cash out on pureprofile again until next month 😒 Drop any ideas down below on what you do to add to your income ⤵️ because unfortunately retail assistant managers don’t earn that much 😂
Have you ever heard of the TDY curse ? If your military then you know what I’m talking about. It’s basically Murphy’s Law for military families . If the soldier is gone for an extended period of time, SOMETHING will happen. It is just a rule. My husband ( Army) has been gone for about a month and still has some time left before he gets home . In that month- our dishwasher broke and our mower broke multiple times. This sweet, capable 15 year old Army brat has fixed both. I am amazed by his skill and grit to get it done while his Dad is gone . If I’m being honest , I have 5 very capable ,amazing kids but this boy deserves all the praise this trip. Not only has he saved us major money in repairs , he has learned some major life skills for when he has his own family... and that’s what it’s all about . #debtfreejourney#debtfreecommunity#daveramseybabysteps#daveramsey#debtditchers#frugal#diy#fixityourself#lifelearner#bigfamily#debtsnowball#debtditchers
Ohhhhhh yeah! The numbers have cleared and we paid $4138.57 towards debt this month. We have paid off 8.47% (a little over $25,000) of our debt in the last 4 months 😬. We still have a long ways to go but we’re doing it👊🏼💪🏼. I’m so excited for May because it’s a 3 paycheck month for me so that just means bigger payments towards this monster. How did you guys do this month? Need an accountability partner? I’ve got you!
With two dogs, the pillows on my couch had seen better days. A new couch/new pillows were not a priority and thus were not in the budget. However, in a trip to @ikea this weekend with Mike’s family, I found four pillow covers ($3.99 a piece) that turned out to be a great way to spruce up my living room at a minimal cost!
ORDER SOME CASH ENVELOPES ✨💸 Using cash during my monthly budget has seriously changed the game for me! I was inspired by Dave Ramsey’s cash system and from there have found many other people that follow similar budget methods.
How do you use these cash envelopes?
- Think of all your monthly variable expenses such as groceries, gas, eating out and maybe coffee! Set a budget and withdraw the money in cash and only use the money designated for each category!
TIP: BE VERY SPECIFIC WHEN IT COMES TO MAKING YOUR CATEGORIES. For us ladies we usually categorize hair, nails and toes under beauty but keep it separate to maintain a well balanced budget!! If you guys want more details or need any help/guidance just send me a message! I’ll be more than happy to help ☺️ #cashenvelopesystem#cashbudget#cashenvelopes#daveramsey#budgeting#expensetracker#cashonly#savings#diy
A few weeks ago we ordered a pizza (with our entertainment fund). I ordered a specialty pizza and added a few extra toppings for an up charge, totaling around $25.
I picked up the pizza and drove home only to realize it was not the pizza we ordered!
We have $100 a month for our entertainment fund which includes eating out. I spent extra money for extra toppings and I wasn’t about to let that money be wasted - ya girl is on a budget!
Needless to say, I called to tell them about the issue, and they offered us a free pizza in return.
I would have NEVER called back to discuss this issue before I began budgeting BUT now I’m serious about our money!
Today, we cashed in our free pizza and it felt so good!
Do you have a similar story?! I know I can’t be the only budget crazy girl out there!
Share your story in the comments below! ↓ ↓ ↓
Another awesome Financial Workshop in Cincinnati, Ohio.
I met an awesome Life Coach @nieceyfreeman tonight! Be sure to follow.
Make sure you click the link in the bio to register for the next Financial Workshop happening this Thursday 25th @kentonlibrary@7pm
Total debt update! It's crazy seeing these numbers and so many at $0! 😱 The way we were travelling a few years ago, I would have never thought we would be debt free. Everyone who's paying off debt knows how tough the sacrifices are and how gruelling the whole process can sometimes be, but we know the end result is so worth it.
Next week, we will be paying off credit card 2 and closing it off for good. It was opened as a balance transfer so we never intended to use it for anything other than paying off debt with no interest charges. After that, our focus shifts to our last and oldest credit card, but the debt pay off won't be as aggressive as it's been over the last four months because in May we'll also be building up our emergency fund!
Did you know that buying bottled water 💦 is 600 times more expensive than tap water? So get yourself a reusable drink bottle 🧂and fill it up at home. Your wallet and the environment will be grateful! 👏
Tonight I had a paper towel with my dinner... We have been working twords a goal of being debt free for the past 22 months by using Dave Ramsey's plan. During this past 22 months paper towels were off the grocery list. It was an expense that I couldn't justify. This became a joke with my family and friends and became a symbol of our determination. We said no, we stayed home, we skipped gifts and tickets, we ate in and we did without some things that we wanted. It was hard at times. BUT... it all paid off. Today we paid off our house and wrapped up our debt free journey. Then we celebrated by each getting a napkin with our dinner.
WE ARE DEBT FREEEEEEE!!! Thank you Dave Ramsey for the tools, Bradley for sticking in there with me, my family and friends that supported me and most of all thank you Jesus for the blessings and lessons you provided.
Now on to baby step 3.
Not worrying about how we’re going to pay for Maxton’s dental procedure tomorrow, and Xavier’s oral surgery at the end of the month.
We’re not debt free yet, but budgeting provides us freedom to schedule oral procedures without fear of wondering where the money is going to come from to pay for it all.
What does financial freedom mean for you?
When I was in first and second grade, my mom gave her kids an offer. She would get the Sunday newspaper and we could clip coupons. We didn’t have to clip the coupons but if we did and she was able to save on groceries, mom would give us half the savings. Adding to the lesson, if we saved our money and put into our bank account mom would match whatever we saved. Some weeks, we saved a few nickels and some weeks a few dollars. Over time it added up and it was the essential value of saving that mom taught us in a fun way at a young age. Well, coupons have evolved but I think mom would be proud that I practice the value of saving (this is in addition to the 5% 🎯 card discount😃). And it’s a value that I am passing onto our young boys.
Happiness in marriage is not something that just happens.
A good marriage must be created. In marriage the little things are the big things.
It is never being too old to hold hands.
It is remembering to say “I love you” at least once a day.
It is never going to sleep angry.
It is at no time taking the other for granted; the courtship should not end with the honeymoon, it should continue through the years.
It is having a mutual sense of values and common objectives.
It is standing together facing the world.
It is forming a circle of love that gathers the whole family.
It is doing things for each other, not in the attitude of duty or sacrifice, but in the spirit of joy.
It is speaking words of appreciation and demonstrating gratitude in thoughtful ways.
It is not looking for perfection in each other.
It is cultivating flexibility, patience, understanding and a sense of humour.
It is having the capacity to forgive and forget.
It is giving each other an atmosphere in which each can grow old.
It is a common search for the good and the beautiful.
It is establishing a relationship in which the independence is equal, dependence is mutual and the obligation is reciprocal.
It is not only marrying the right partner; it is being the right partner.
The Art Of A Good Marriage by Wilferd Arlan Peterson