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Eye Opener

October 22nd, 2017 at 06:50 pm

Today's Target run, wasn't too great. We got two pounds of 96% fat free ground beef for about $8. I only buy meat that's on sale with coupons. I was somewhat disappointed but hey, something is better than nothing.

I also ended up picking up a coupon expandable organizer for $7.99 to use as my cash spending envelopes. I think this will be better than the actual envelopes I use. I'm always looking for the right envelope to take the cash out of, sometimes I take from the wrong envelope, and so on. So this may help in the budgeting area. Hmmm as I'm typing this blog, I realize that the Dollar Tree, dollar store, may have the item for a $1, if that's the case I'll take the other one back.

After Lucky Robin's eye opener about my pedi, I decided to revamp my budget. First I'm taking 10% off the top for my tithes at church. I will add to the EF for baby step 1 and then the remainder towards everything else.

Follow up.
Well I wrote the first few paragraphs earlier, so here is what happened since then.

I found the coupon book at Dollar Tree, I'll use for a few weeks before taking the other back to make sure it holds up.

I have updated my zero balance budget, putting my tithes first and then the EF. I had to cut my pocket/recreation funds but I'm okay with that. I'm loving this zero balance budgeting, the envelope system really works.

Thanks for holding me accountable everyone as I take this journey to financial peace.

7 Responses to “Eye Opener ”

  1. LuckyRobin Says:

    If they are built well, those coupon organizers work very well for the envelope system. It is nice to have it all in one place and not a bunch of envelopes, either.

  2. creditcardfree Says:

    So if you want to be kept accountable, take that other coupon organizer back now. It will be available when and if you need to purchase it. Get that money back in your account now!

    I didn't catch all the comments on the pedi post, but I do agree it is a complete luxury. No pedis for me ever. I paint my own toenails in the summer, and skip the fingernails entirely.

  3. PatientSaver Says:

    Wow, meat has really gotten expensive. Since being vegan, I've lost track of how pricey it is.

  4. rob62521 Says:

    It is scary how much meat it, especially beef. We've been trying to have a couple of meatless suppers each week not only for expenses, but for health reasons as well.

    And CCF is correct. Take back that coupon organizer now. I don't imagine there will be a run on them. Plus, be careful using the one you have so you don't accidentally tear it or damage it so it holds up. Part of being frugal is taking care of what you have.

  5. livingalmostlarge Says:

    Good luck i have no idea how the envelopes work.

  6. veronak Says:

    Thanks everyone, I'm taking the coupon organizer back tomorrow. Patient Saver I'm going to look for a few of those meatless dinner ideas via the web, thanks.

    LivingAlmostLarge basically each pay date I create a budget. Those line items such as gas, groceries and personal items in that I can use cash for, I put that dollar amount budgeted in the envelope. For example; generally I spend $80 over a two week period on gas, I put this dollar amount into an envelope. By doing this I've literally cut my grocery spending by 50%+. Once the money is gone it's gone.
    This method helps me to stay within my budget and mindful of my spending.

  7. terri77 Says:

    Pedicures are my one personal care luxury now that I wear my hair natural. Hair care used to be more expensive.

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