It’s been a lazy day. It’s been raining all day, and I just don’t feel like doing a thing, but I had to truck through it.
First, I hit Walmart and picked up groceries, $26. I used Ibotta pay to get the 1% cash back. It’s not much but he my it is free money, no matter small, it is worth it.
I then purchased a few personal items totaling $6.98. I like keeping my items separate when shopping, because I use the cash envelopes system.
After purchasing my items, I sat in the car and scanned my receipts, lol. I don’t know why but I enjoy scanning for points immediately.
I then headed over to Murphy USA for gas, $30. I have enough points for 80 cents off but I’m waiting until a week in that I do a ton of driving to use the fuel points.
Once home, I prepared dinner, chili. I made a large crockpot full for $7.98 for all the ingredients. Good thing about paying $7.98 for an entire pot is, it will last until about Tuesday or Wednesday.
Washed a load a clothes, hung them up to dry. My dryer is still on the blitz, I think it’s the element, I’ll be picking up the other from my uncle Saturday. To be honest, I don’t mind the line drying.
Now I’m just watching Magnificent Seven
I’ll probably take a look at last month’s spending and budget, this evening.
Viewing the 'Groceries' Category
It’s been a lazy day. It’s been raining all day, and I just don’t feel like doing a thing, but I had to truck through it.
SO filled my car up today, ⛽️ so what I had budgeted, $30, I'm throwing to my savings on CC4.
We headed over to Target after church ⛪️, I got cubed steak for dinner on clearance, too bad they didn't have any chicken. Meals are based on what's on sale. I headed to Aldi and picked up apples 🍎, grapes 🍇 and paper towels. Aldi has such great deals.
Now that dinner is in the crockpot, I'm just going to relax for a little while. Love Sundays
I about fell out of my chair when the SO handed me a $100 for groceries. I could not believe it. I've been budgeting about $60 each pay date for groceries, for things I eat vs the house.
I slowed down with cooking because he was basically was not contributing and a ton of food was going to waste. What's good about this is, the $60 I just budgeted, I'm adding to my EF. I'll meal plan for the next two weeks and use the funds he gave me. I guess when you stop complaining and just show folks they get the picture.
Tomorrow I have an interview for a HR manager role, I'm praying that things pan out. One it would be closer to my home, two it puts me in a manager's role and three it's more money. Oops I forgot, the benefits are much better than the crap we currently have at my current employer. Please pray for me.
How I won with money, yesterday? Well I went into the grocery store and only bought what was on my list and that came out to $7.88
Proud of myself, the office was having their Secret Santa 🎅🏾 drawing today and I told the committee that I was not participating. They continued to try and get me to sign up but I held my guns and said no.
The boss came in with her 2% raise, I felt like crying but I remembered before your blessing you'll go through something. I said a quick prayer, and felt at peace. This manager is the worst, she had another employee in tears and going to therapy but the company continue to allow her bully others. I'll take my 2% with my head up and continue to look for something else.
Today was not a NSD, headed over to Walmart for a few items. I found these neat little gadgets for $10 for my nephews, for Christmas, but was on the fence. Long story short I had the money for it, already budgeted but purchasing would have left me with nothing left over in the gift envelope. I was telling my sister what I bought, she mentioned she bought them one last year so I can take the ones I bought back. Feeling better. So long as I come under, I can throw the amount that's left at CC3. The goal is to never spend every single dollar in my envelopes.
Oops I failed to mention that the linen napkins have been working fabulously. Not saying that I didn't use a few napkins but far less than my normal consumption. I notice the SO took out a roll, I'm waiting to see what he does when we're out and I haven't bought any. Usually I'm the purchasing, he buys the soap, but those $5 can be thrown on my debt.
Thanks to DW's tough love I decided not to hit Target up this Sunday. We have enough meat to last this week coming for dinner so no need to go and buy anything. Tomorrow is Saturday so I have nothing planned, I'll create my meal plan based on what I have. Someone mentioned a meatless dinner so I'll be looking for a recipes for at least two nights this week.
I reached out to my insurance company to get basic insurance for my car. It's fairly old but runs really good thank God. I received a quote that will reduce my insurance about $40 a month. I figured I can do this and add this extra savings to my EF (baby step 1) then tackle my debt.
The fiancé wanted to go out to P.F. Chang's after the game tonight. I convinced him not to go. Honestly; I just didn't want to go, I'm tired. When I called to place the take-out order, we were told 30 minutes. He wanted to wait, I said no. First of all for two of us it would have cost at least $60. Secondly, the wait is always long. And lastly the coupon I had for 15% off was for Tuesday, so that's no good. We ended up getting take out for $18 and I made it home to unwind.
As I'm typing this blog I realize there's some household items I'm in need of (e.g. paper towels). I'll have to check prices and coupons.
That's it for me.
Revamped my budget for only one box of contacts vs the 90-day supply. I'm really struggling with this but I'm running low on a few household and personal items that I need to purchase, I had to add these items to the budget. So it is what it is. For me it's all about sticking to the budget.
Following Dave's plan I have a choice of things to do with what's left over in my cash envelopes. One, fund baby step 1. Two, keep the funds in the envelopes as is. And three (this is my own idea), take what's left and divide amongst all envelopes and EF. There'll be about $60 left, that puts about $8.50 in each envelope and towards baby step 1. I somewhat like this idea since the next two week's budget is super tight and it gives me a little extra in each envelope.
Or maybe I can put the funds towards my sinking fund (Christmas). Ugh the pressure.
I have a change jar, full of change and decided to roll them. Well I was only able to roll about $22.50, I didn't have any holders for the dimes so I'll roll those later. I'm adding the $22.50 to baby step 1. I can't wait to hit step one, so I can start tackling the debt.
Our Target run was okay, we got 93/7 ground beef for $2.89 pound (purchased 3lbs) and 4.55 lbs center cut pork chops for $15.15. I didn't think this was a great deal on the pork chops but I needed to prepare for this week's meals. I did return the coupon organizer and got the $8.55 back. I forgot to scan my Cartwheel bar code, there was 5% savings on both the strawberries 🍓 and the grapes 🍇 . When I went to return the organizer, I got the $0.38 back on the items (strawberries and grapes 🍇 ) . Once I got home 🏡, I realized I didn't get the 5% on the pork chops either, nor did I use my $5.00 coupon. I hate shopping in a rush. The cashier was standing over me, I think she thought I was going to steal one of the items. I use the envelope system, so I pay for things separately. She reminded me, I didn't pay for the item, I told her nicely that I'd be paying for the item separately. Needless to say, l'll head back tomorrow, for both my 5% off on the pork chops and my $5 coupon.
I found out that Target gives $0.05 for every recycling bag used. I'll start brining my own bags. It's not much but hey, something is better than nothing.
We ended up in Publix, BF spent $82. Mostly on things he liked (e.g chips, cookies 🍪, ice cream 🍦). None of the items were eligible for ibotta rebates. I told him that we could get a $1 back on French's ketchup, but he insisted on Heinz. He was annoyed with me because I kept looking for things that may have a rebates, that he was purchasing, so I stopped. It's his money. I did manage to get $0.25 for uploading the receipt. I really wish my fiancé would get onboard with budgeting but he won't. I have told him, that at the rate we are going, we cannot get married. I've explained that finances are a huge issue, for couples and me.
Tomorrow is the day, we go to court about selling my dad's house. I'm just putting things in God's hands, what ever happens happens.
That's it for now.
So I get home today and CC4 that I have not used in quite sometime, over 6 months, but paying off has been increased my limit to $7,700 (odd number) just before the holidays. 🙄🤦🏾♀️
I don't need any more credit card debt so I'll keep the card where it is.
On a different note, I'm loving the envelope system. Dave Ramsey (DR) was right. If you feel money, and watch it leave your hands, you think twice about spending it.
I have about $50 to last me until next Friday, in the grocery envelope . So while I was in Publix, I needed spaghetti. I normally purchase Mueller, but Ronzoni was BOGO. I'm sure you guess what I bought. Not only did I get a BOGO, iBotta has $0.50 rebate, plus $0.25 on pasta; therefore the two cost me $0.84. Not bad. Just the thought of being smarter with my money is awesome.
My meal planning is contingent upon what deals I find at Target on Sundays.
Today, I picked up two packs of thin chicken breast for $2.99 and two packs of three chicken kabobs for $3.99. Not bad, I'm just disappointed there weren't any packages ground beefs on sale.
Target also had grapes on sale for $.99 a pound, bought two pounds.
Fiancé picked up a pack of the Kuerig Folgers coffee for $10. Smh I told him I wanted my $10 back, this is ridiculous when he can get it for far less elsewhere.
This week's meal are as follows:
* Sunday Kabobs with rice
* Monday left overs
* Tuesday spaghetti and meat sauce
* Wednesday lemon pepper chicken drinks with a salad
* Thursday left overs
* Friday - Outback steak house. We have a gift card
* Saturday - homemade pizza
Sundays after church is my trip to Target 🎯. I have decided to buy meat that's on sale and create my meal plan from what I have purchased.
There was 1lb (93/7 ) ground beef for $1.89, this was with the $4 off coupon. The fiancé was with me chitchatting, that caused me to miss the cashier, not taking the $4 off one of the packages, so now I have to go back 😡.
We picked up Tyson chicken, 3lbs for $4.99 and a 12 pack of pork chops for $5.99. I'd say we did pretty good.
Today we started week 5 of Financial Peace University and the topic was on impulse purchases. Of course while in Target the BF made an impulse purchase🤦🏾♀️🙄
I explained to him that the extra $5 he spent on candy, we could have applied to the debt snowball.
Hopefully he'll get it
Well I went to Target today to check if they had any meats marked down. Unfortunately they only had one pack of 2lb chicken breast with a coupon and refused to mark the others down. Normally when you ask, they will, since the sell by date is the date of the markdown.
Long story short I got the pack of chicken for $0.33. I couldn't believe it. The chicken was 6.99 then marked down, plus I had a $2.00 coupon and I used the Cartwheel app for an extra 25% off. I'll cut the chicken in half, that will give me a total of six pieces.
Went to Target today and picked up 2lbs of ground beef for $2.20. I also picked up two packs of chicken that I cut into and packaged into 5 packs of four for dinner. Total cost $10.18, not bad.
I'll be meal planning for the week and hitting Target up next Sunday
Okay today I decided to create a dinner menu and do my grocery shopping based on that menu.
Here it is:
- Sunday - salmon, rice pilaf, sweet potato
- Monday - spaghetti
- Tuesday - baked chicken and pasta
- Wednesday - left over
- Thursday - baked pork chops and corn
- Friday -homemade pizza and salad
- Saturday - salad and sweet potato
I made tonight's dinner, browned the ground beef for spaghetti that I'll place in the crockpot tomorrow. I went ahead and seasoned , froze both the pork chops and chicken, cutting down my cooking time. All in all, including snacks I spent $74 at the grocery store, not bad. I usually spend about $120 a week.
I'm thinking Sunday's will be my day to create my menus
I know I may be a little late but I've signed up for the Ibotta app, that apparently provides rebates for everyday purchases. I'm just curious, has anyone else signed up? If so what are your pros and cons?
I find the app to be very user friendly, I've already earned $2.25, can't wait to hit the $10 mark so that I can cash in.
Join my team by coying the link below
It's been about two weeks, and I am loving the new place. It's funny because I hardly ever think about my mom, but I will say this, when it comes to cleanliness, we are just alike.
Other than my BF daughter, things seems to be going well. I'm definitely going to have to work with her and her cleaning habits
I've still kept track of my spending but haven't really been able to sock away anything. When I get my mileage check, I'll add the $114 to the EF
Oh, I almost forgot, I really need to set up a grocery budget, things are getting out of hand. I find myself at the store every week and I really want to go twice a month ( each pay period). So we'll see
Once again my BF does not have his portion of the money to take a trip that I have been planning since January this year. On my bucket list is to visit every state, so for the upcoming year we were to start with Alabama. Well now as he puts it "He is in the hole" and I refuse to foot the bill this time for my birthday. This year I paid for everything, food, gas, the hotel, the theater, and the theme park. He was to give me some of the money back and normally he does but he did not. We have been together for 3 years and when it's his birthday I usually foot the bill but since he stood me up year, I did not pay for the hotel room.
Now here is the kicker, he wants to rent a hotel for Christmas for 4 days, I'd rather use that money for my trip.
Long story short, I am not paying $500 for us to fly to Alabama. If he wants to go dutch, that is perfectly fine with me.
On a different note, Publix had BOGO AJ frozen pancakes so I saved $2. 86
I received portion of my mileage check from my employer and was short $2. I think they do this on purpose hoping that you do not notice because it happens all the time. The person of course, who cuts the check was not in today, not surprised. So I deposited the funds and added $200 to my Challenge/EF account. Now I am just waiting on $91 hopefully I will have it by Friday. I'll add the $91 to the challenge and I would have met my goal above and beyond.
That's it in a nutshell
Today was suppose to be a no spend day but $2 went towards CC debt/challenge because I had breakfast and lunch home. $18.50 at the grocery store and 50 cents towards savings challenge (rounded up the change)
Ok I pretty much stayed in today and only studied for about 10 minutes Then I hit the gym so $1 was paid towards my CC challenge next I went to Publix spent $17.13 on groceries(and only bought fruit no chip, dips etc) as well as personal items so I paid an additional .87 cents towards my cc (rounding up my change) I washed and curled my own hair saving $35 and I added this to my house fund
YTD challeng $1751.99