Archive | March 2012

Financial Woes…

So I was stressed out Sunday so I emailed my financial guy (Simon) because paying on credit card isn’t working for “ME”. My husband thinks it should but “Happy Wife, Happy Life” plus after he agreed to go back to the way I use to budget with our finance guy, I told my husband if he was insistent to do things the credit card route that I would “tattle” on him for agreeing to appease “Simon”. That seemed to work.

So unfortunately I had to dig into our “JUST IN CASE” pot to pay off the credit card in order to start fresh with the bank. The emergency pot was dug into because of the passing of our dog and my husband’s jeep.

I come to realize that I HAVE to work at least 7 shifts a pay period (I’m guaranteed 4). If not pre-booked, I’ll have to wait for those 5 am calls…ugh…when someone calls in sick. Thank god I have 7 right now, but April hasn’t’ been booked yet so I’ll have to see. We have a budget to follow but I must work 7 to meet my budget and have “Free” Money as my husband calls it. We’ve categorized from the Mortgage right down to the possibility of buying books. The clothing budget irks me as I don’t buy clothes often and I don’t think I should have to carry it over. If it’s available every month and we don’t spend it then that should be it. Any thoughts? The other thing is he suggested I fill up my car to the top and return to the gas station once a week versus several times a week as I may spend less. But I’m happy to report my meal plan kept my groceries in check this month as this week I spent little.

My son just started a cold this week and has passed it on. I’m not a big believer in the whole flu shot as I should have (since I’m in health care) but I didn’t get one this year. I’ve had way to many illnesses as of late that I wasn’t going to compromise my system. I did though take a homeopathic one. Has anyone else out there taken this?

As for Christmas I mentioned to “SIMON” starting to save but it’s not in the cards right now but it brings me to something I read on Carla’s Blog about a Victorian Style Christmas“Something they need, something to read & something they want.” Three things plus a few stocking items. I’ll have to put some thought into this.

Anyhow those are my woes, have a blessed day.

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Food Waste Friday

None! Stuck to meal plan except for one day but I did not have to go out shopping. Sent out leftover lasagna with the family for lunches today.

Gonna use up Sunday’s roast beef today (it smells fine) and my last avocado. This two week menu works!

Today’s Plan!

Well I started my morning budgeting…fun fun. Looking at where my money has been spent so far. I was slightly depressed about my weekly spending over the past two weeks but in retrospect from the 23rd to the 29th my husband had to buy a new radiator for his truck (that was $182) and a new winter jacket for my daughter for next year (it was 50% off, the bill was $75). Then for the 1st to the 7th was my vet bill. I plan to be back on track for the rest of the month.

So I’ve always been a big believer that when you buy something then you can get rid of something. Kinda like shoes…when I buy new runners than I throw out the old, only keeping one spare pair. Or when you buy a new winter jacket, then we donate the old one to the Snowsuit Fund. Well my husband showed me the Canadian Tire flyer and they have 70% off a 5 piece stoneware set of cookware. Normally $99.99 for $29.99. He knows I prefer stoneware…so I will be picking that up and getting rid of the old stuff (actually giving it to Value Village). Also a 5 quart casserole dish by T-Fal is on sale for $19.99 regularly $59.99. My old one the bottom is peeling off, quite gross.

As far as groceries we don’t need much. Today’s menu is wings and pizza. Unfortunately I cooked my pizza this week as we came home late from the vet so I think I will make the pizza crust in my mixer (my friend says it’s really good). I have sausages and bacon in the freezer and I can use crushed tomatoes for the sauce. I can’t find my curry sauce for wings I used year’s ago so I need to check the internet since I got it there. I bought the wings awhile back because they were same price as buying the pre-sauced ones, which makes them healthier.

I really need to clean up since I work this weekend and March Break starts Monday. I only am working my regular Thursday so I can be home with the kids. Cody is involved with a program at the Y for ASD kids. 3 nights a week for $40 a session. My MIL gave me half towards it (she likes to help out with her grandchildren). Cody isn’t involved in sports where my daughter plays hockey and lacrosse most of the year.

We are having a birthday party for my daughter in 2 weeks since we aren’t around for her actual birthday weekend. I need to start planning and coming up with ideas (some frugal). She’s turning 11 and I would love some ideas. Anyone have some? I don’t want to go anywhere and would like to keep my cost low.

Budget end of week….

Number one biggest expense was my vet bill ($340), bless her soul in heaven. I realized I had to dig into my Emergency Fund big time this month.

I have $1000 and I have to pay the Vet Bill, my daughter’s lacrosse ($195). On the bright side, I bought few groceries and I got my water bill and I’ve been paying $40 a month on it. Turns out my bill is for $10.72.

My biggest problem for budgeting a week at time is that I use my credit card for my purchases so I get my PC Points but the problem is my cycle date starts from the 24th onward so it’s not a “true” month. But I’ve bought myself an accounting book to track my purchases.

I’ve got my meal plan for next week and since it’s March Break then I won’t need much as far as lunches go. I baked another 4 dozen cookies this week as I was running out and I haven’t had to buy any. The kids had rice krispie treats this week I made (cost was cheap compared to buying).

Back on track.

Sunday Night Chit Chat

Oh and of course a quote…how much do we all love technology?!

Soon we won’t have to go to school….cause there will be an app for that.

Reading?

Picked this up at Walmart for $4.00 on Friday. It has a very interesting perspective on “NOT” relating chores to allowance.

Watching?

At the moment, old episodes of Law and Order SVU, later TLC’s Obsessive Compulsive Horder and at nine, Hoarding Buried Alive.

Listening to?

Silence until 6:50 when I turned the TV on and my husband came upstairs. Kids are in their rooms on the computers.

Cooking/Baking?

Baked 2 different cookies today (24 oatmeal chocolate chip and 40 peanut butter). Make roast, potatoes and peas for dinner. And for dessert! Homemade apple pie.

Happy you accomplished this week?

A 2 week meal plan! Baking cookies hopefully to last till friday, since I’m only off Tuesday and Friday, lol.

Looking forward to next week?

Not overly, lol — I work 3 days plus the weekend. But I’m closing the kids old bank accounts and moving them to Bank of Montreal. Kids under 12 get $25.00 if you open a youth account and deposit $25. BOM’s teen accounts have a discount card plus there’s no fees for either account!

Thankful for today?

Yup! We had hockey at 8 am and the rest of the day to ourselves since I did the groceries yesterday, hence the the plan to major groceries every 2nd Saturday when I’m off so I can bake and relax all day Sunday.

Grocery Spendings (as it relates to my Meal Plan)

I was at Food Basics today and spent 108.09 and Sobey’s I spent 18.11.

On Friday at Costco I spent $19.68 and Walmart was $26.54. Here’s the breakdown.

Costco

Sole Filets, 30 in a package – 16.99 – 5.00 = 11.99 (For Monday 5 and Tuesday 13)
Yoplait Tubes, 3 boxes – 7.69 (For School Lunches)

Walmart

Coffee (K Cups), 2 boxes – 11.77 * 2 = 23.54
Soup, 6 cans – .50 * 6 = 3.00 (Lunches)

Sobeys

Sour Cream – 1.99
Bacon – 2 for 7.00
Lean Ground Beef (5.5 lbs @ 2.49 lb) = $14.12 (

Food Basics

Cream – 2.49 (Coffee)
French Fries – 2 for 3.00 (Lunches/Supper)
Bread – 2 @ 1.88 = 3.76 (Lunches)
No Name Margarine – 1.99 (Baking)
Apple Juice Bottles – 1.99 (Lunches)
Marshmallows – 2.29 (Baking, Rice Krispies Squares)
Milk – 4.47
Canned Diced Tomatoes 2 @ 1.00 = 2.00
Frozen Juice – 4 @ .69 = 2.76
Canned Vegetables – 4 @ .89 = 2.56
Canned Pineapples – 1.19
Fish Sauce – .99 (Recipe)
Cereal – 2 @ 1.99 + 3.00 + 3.99 = 10.97
A Handful of Spices – Not expensive for what I got
Coconut Extract – 2.39 (Recipe)
Mayo – 2.99
A Whole Bunch of Fruits and Vegetables (All on sale)
Chocolate Chips – 5.99 (Baking tomorrow!)
Coleslaw – 1.50
Chicken Drumsticks (Club Pack) x 2 = 13.10 (Most of my 2 week recipes, a whole package left over)
Chicken Thighs (Club Pack) x 2 = 10.43 (All of my 2 week recipes)

I don’t think I forgot anything but I should be good for then next two weeks except few fruits and veg, milk and eggs.