Living on a Budget

  • Living on a Budget: Groceries $40 for 4

    Groceries from Ingles

    Now that I am home again and school is in full swing I am trying to do better at posting my weekly grocery update.  Thanks for hanging in there with me as I traveled, spent time with my family over summer vacation, and transitioned in the new school schedule.  It is nice to get back in to the routine and giving you regular updates (they really do help me stay on target).   I was super excited to score some great fresh produce on clearance at Ingles this week (our garden is almost done producing).  Here is my weekly update on our Groceries $40 for 4.

    Ingles Groceries:

    • $16.83 at Ingles for 1 container of Mushrooms (clearance), 1 loaf Laura Lynn Sandwich Bread (sale), 2 packs Vegan Gourmet Cheese (clearance),  1 bag fresh Brussel Sprouts (clearance), 1 bag fresh Broccoli (clearance), 1 gallon Milk (sale), 2 pack Pillsbury Sugar Cookie Dough (clearance), 1 tray Apple Slices & Cheese (clearance), 1 pack fresh Snow Peas (clearance), 1 pack fresh Sugar Snap Beans (clearance), 1 bag Chipotle Coleslaw (clearance), and 1 bag fresh Cauliflower, Carrots, & Broccoli (clearance).   Everything was marked down, on sale, or on clearance including the non-dairy cheese because we have a family member who is not currently eating dairy (all produce was $0.99 or less) at Ingles.

    This week I spent $16.83  on groceries.   I went under on the budget this week, but only because I had a few weeks that I wasn’t tracking the spending well and went way over!  Thankfully we are stocked up on most items so I could save a little from this week to spread out over the rest of the month .  I was happy to find some cheese deals and some fresh produce on clearance that should last us for quite awhile especially with the girls taking lunches to school everyday.  Hopefully next week we can come under budget and September will be a better month for us!

    It is my goal to give you regular updates on this budget section so you can celebrate the good weeks with me and thump me on the bad weeks!  As always you are welcomed to join the journey with me.  I would love to hear your story and how you are doing too.  The purpose of our family doing this it to watch our grocery spending while allowing us to feed our family, enjoy life, share with others, and yet stay on track with our budget.

    Living on a Budget is a series of ways our family uses a budget to help keep us accountable with our finances.  Life doesn’t always go as planned.  We have used some of the ideas I will be sharing for years while others are ones we are just starting to implement as we continue finding ways to be creative and have fun with what we have been given.  Having a plan in place allows us the freedom to be smart with what we have been given, get more creative when it is a tight (week, month, year or a season) and when necessary live a much more simplified life.  A budget helps us stay on track so we have more opportunities to enjoy the many blessings we have been given as well as share what we have with others.  There is so much more to life than having all the stuff.  We may not have the newest or greatest items in our house, we drive used cars, and wear hand-me-down clothing…..however, if our family is taken care of and have love for each other and others we have more than all the riches in the world.

  • Pampers Gifts to Grow – 10 Free Points

    You can receive another 10 free points from Pampers with a new Gifts to Grow code!

    This code is different from the previous codes I have given.

    • Use Code:  FB9TLABDAXB3912

    (Expires 9/9/12 at midnight CST)

    You can save up the rewards to purchase gifts!

    For more information about the Pampers Gift to Grow Program and how you can start earning Pampers “Gifts to Grow” Rewards for your family go to Pampers Gifts to Grow!

  • Intentional Living: Weekly Goals

    The girls did great on their first full week of school.  Everyone is doing well but still adjusting to the school schedule (Mom included).  On top for all the school fun we had doctor appointments, after school activities, and surgery keeping us busy this past week.  The good news is we have today off of school and work to catch up on items around the house and to spend some extra time together as a family.

    Last week’s goals:

    Family Goals

    1. Read regularly to the girls and have them read to me
    2. Greenville Drive Baseball Game with Family – the girls earned their tickets from the library by reading books this summer
    3. Daily School Activities & Homework Completed – homework is more time consuming with them being in different classes but we managed it pretty well this week.
    4. Lunch Boxes & Book Bags packed the night before
    5. Doctor Appointments
    6. After School Activities
    7. ENT Surgery & Recovery

    Personal Goals

    1. Exercise at least 5 days this week – didn’t stay on top of this one
    2. Finish reading Our Boys by Joe Drape – I started this one a couple years ago and never finished so starting over.  It’s about the Smith Center, Kansas football team (it has been interesting reading the book so far because I know some of the people in it since my parents live near Smith Center) – I started it again! 🙂

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Weekly Dinner Menu planned out for the week
    3. Prep for my Fall Organizational Schedule – hoping to get to this next week
    4. Pay all upcoming bills

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention
    3. Get caught up on blog items – getting started

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch
    2. Write and Send Out  Alms & Legs Team Meeting Notes

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4 – only got a few items this week
    2. Payoff the Van – working on it

    My goals for the upcoming week:

    Family Goals

    1. Read to the girls and have them read to me daily
    2. Lunch Boxes & Book Bags packed the night before
    3. Daily School Activities & Homework Completed
    4. Attend After School Activities
    5. Go to the Upper South Carolina State Fair
    6. Work on items around the house & yard together on Labor Day
    7. Spend quality time together on Labor Day since everyone is off work and school

    Personal Goals

    1. Exercise at least 5 days this week
    2. Drink 8 glasses of water each day
    3. Finish reading Our Boys by Joe Drape – I started this one a couple years ago and never finished so starting over.  It’s about the Smith Center, Kansas football team (it has been interesting reading the book so far because I know some of the people in it since my parents live near Smith Center)

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Weekly Dinner Menu planned out for the week
    3. Prep for my Fall Organizational Schedule
    4. Pay all upcoming bills

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention
    3. Get caught up on blog items

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch
    2. Write and Send Out  Community Group Email

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Payoff the Van
    3. Emergency Fund – save 3 months worth of living expenses (we are trying to build this back up because we had to take some out for unexpected expenses recently.)

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

  • Giveaway: Staples Gift Card

    I am excited to announce a new giveaway on Blessings Multiplied!   The winner of this giveaway will receive a $10 Staples Gift Card!  Whether it is office supplies or picking up that last minute school supply it seems like I make a couple trips every September to Staples.   Thankfully most of the items that I usually need this month are small, however, the small stuff can add up to a lot over time too.  By shopping the deals at Staples you can really make this gift card stretch.  Here’s how to enter the giveaway:

    1. Sign up to follow my blog (if you haven’t done so already) and leave a comment below telling us how you follow Blessings Multiplied.  Sign up to receive Blessings Multiplied via email or like on Facebook.
    2. You can get a bonus entry into the drawing if you leave a separate comment below sharing one item that you like to pick up or stock up on at Staples during this time of year.

    All comments must be made by September 30th at 10:00 PM EST to be entered into the drawing.

  • New Upromise eCoupons for September 2012

    Upromise has posted their new eCoupons for the month of September 2012. Remember to activate your eCoupons to get additional savings. If you have not yet signed up for Upromise you can get more information regarding on our experience or directly at the Upromise website.

    This month they have 26 coupons you can activate for bonus savings. Once you activate your eCoupons all you have to do is scan your rewards card or purchase the items at the store and the cash will be added to your account. You don’t even have to carry any coupons to get the rewards!

    You can go to their website for more information on the Upromise program, it’s free to join.

  • Intentional Living: Weekly Goals

     This past week the girls started school again and yes Mommy shed a few tears.  I had a blast with the girls this summer, it went by too fast (my babies are growing up).  They both were excited about starting school and had a great first week.  I was able to go on a “big” girls weekend away trip to hear Beth Moore speak in Charleston.  Thankful for the opportunity to get away with friends and be refreshed spiritually.  Thank you Jake for watching the girls while I was away this weekend, your the best.

    Last week’s goals:

    Family Goals

    1. Read regularly to the girls and have them read to me
    2. Participate in at least 2 fun Summer Activities with the Kids – we squeezed in a couple more before school began
    3. Girls Packed and Ready to Start School on Tuesday
    4. Get into the School Routine – its started but not sure if we are completely adjusted yet, ha

    Personal Goals

    1. Exercise at least 5 days this week
    2. Attend a Beth Moore Conference with friends – great weekend trip!

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Weekly Dinner Menu & Schedule planned out for the week – got it planned out but had a make a couple alterations during the week
    3. Prep for my Fall Organizational Schedule – it was a crazy busy week didn’t get it done
    4. Pay all upcoming bills

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch
    2. Prep for upcoming Alms & Legs Meeting

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4 – went over budget as I stocked up on school lunch food
    2. Emergency Fund – save 6 months worth of living expenses – on hold
    3. Car Fund – save money for another vehicle to replace the one that was totaled – we found a car! WooHoo!!!!
    4. College Fund – put cash aside for 1 year of Jake’s College Classes – on hold temporarily

    My goals for the upcoming week:

    Family Goals

    1. Read regularly to the girls and have them read to me
    2. Greenville Drive Baseball Game with Family
    3. Daily School Activities & Homework Completed
    4. Lunch Boxes & Book Bags packed the night before
    5. Doctor Appointments
    6. After School Activities
    7. ENT Surgery & Recovery

    Personal Goals

    1. Exercise at least 5 days this week
    2. Finish reading Our Boys by Joe Drape – I started this one a couple years ago and never finished so starting over.  It’s about the Smith Center, Kansas football team (it has been interesting reading the book so far because I know some of the people in it since my parents live near Smith Center)

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Weekly Dinner Menu planned out for the week
    3. Prep for my Fall Organizational Schedule
    4. Pay all upcoming bills

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention
    3. Get caught up on blog items

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch
    2. Write and Send Out  Alms & Legs Team Meeting Notes

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Payoff the Van

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

  • Intentional Living: Weekly Goals

    It was great to have some time back home last week catching up with the pets, housework, appointments, and more!  The girls had fun playing with the animals and hanging out at home. While waiting at the doctors offices the girls and I read a bunch of  books together too.  This is the girls last week at home before going back to school so are spending some time having fun and creating memories this week.

    Last week’s goals:at

    Family Goals

    1. Read regularly to the girls and have them read to me
    2. Participate in at least 2 fun Summer Activities with the Kids
    3. Plan out the Girls “Swim Into Reading” Summer Reading Goal (total 2,000 Reading minutes) Grand Prize for Completion
    4. Spend time with extended family

    Personal Goals

    1. Exercise at least 5 days this week – didn’t get it all in this week
    2. Pick out my next book to read

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Weekly Dinner Menu & Schedule planned out for the week – didn’t get it done
    3. Work on My Summer Organizational Schedule
    4. Pack for upcoming trip
    5. Pay all upcoming bills

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention
    3. Work on projects with the family business

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Emergency Fund – save 6 months worth of living expenses – temporarily on hold
    3. Car Fund – save money for another vehicle to replace the one that was totaled – working on it
    4. College Fund – put cash aside for 1 year of Jake’s College Classes – temporarily on hold with the car

    My goals for the upcoming week:

    Family Goals

    1. Read regularly to the girls and have them read to me
    2. Participate in at least 2 fun Summer Activities with the Kids
    3. Spend time with family before the kids go back to school
    4. Get the girls items packed for school
    5. Go to the pool / beach
    6. Doctor Appointments complete before school starts

    Personal Goals

    1. Exercise at least 5 days this week

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Weekly Dinner Menu & Schedule planned out for the week
    3. Prep for my Fall Organizational Schedule
    4. Pay all upcoming bills

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Emergency Fund – save 6 months worth of living expenses
    3. Car Fund – save money for another vehicle to replace the one that was totaled
    4. College Fund – put cash aside for 1 year of Jake’s College Classes

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

    Why Share My Goals?

    • To keep me accountable
    • To share a piece of my life with you as I strive to be a better Child of God, Wife, Mom, Friend, Homemaker, Entrepreneur and the many other roles I have each week
    • To have my goals consistently written down so I can gauge progress more accurately
    • Create healthy habits in my life
    • To encourage you to share your goals with me as you continue to grown and learn

    How did you do this week on your goals?  Feel free to share or link to your list of weekly goals.

    The picture above is one that I created for my own purposes, however, The “SMART” acronym was originally coined 30 years ago by Peter Drucker in his classic work, Management by Results.

  • Organized Chaos: Health & Medical Supplies

    Organizing Our Health & Medical Supplies

    Do you ever open the medicine cabinet for a bandaid or to get Tynenol for a child’s fever or something else and either everything falls out of the cabinet or you cannot locate the one item you need?  I love to get items on sale, clearance, or with a coupon but it is usually not reasonable to stuff everything in the same cupboard in the kitchen and hope that you can find it when you need it.  You don’t want any health or medical items somewhere young children can get ahold of it, it’s not food so the pantry isn’t really a great option either.  Since all the items don’t need to be in the cupboard at once (do you really need 2 to 5 boxes of the same bandaids in the cupboard all at one time) you could store them someplace accessible yet out of reach.

    Here are some more pictures on what is in the containers.

    Health & Medical items organized on the top shelf on my husbands closet

    The spot I discovered that works the best for our family is at the top of my husbands closet (thanks honey for sharing your closet space).  He was super sweet and redid our closets with the wire adjustable shelving which makes it much easier to store items in the closet.  For several years any extra items would be put in a box and stored on the top shelf of his closet.  Whenever we needed to get something we had to lug the entire box down and go through it to see if we had what we need.  I decided it was time to make it more accessible and user friendly.  I bought clear plastic containers at Dollar Tree, put all the items from the big box into the containers, labeled the containers, and re-stacked them on the top shelves of his closet.

    Far Left Stack

    • Liquid Prescription Medicine
    • Non-Liquid Prescription Medicine
    • Medical Equipment Equipment – Blood Pressure Monitor, Stethoscope, etc…

    If you notice out of all the stacks this one is the hardest to get access to (and for a good reason).  Many of the items in this stack are prescription based and in order to get anything out of this stack you have to move at least one of the other rows.  I intentionally put this in the hardest to reach place because these items shouldn’t be used as much and you don’t want someone to accidentally grab the wrong thing thinking its cough syrup.

    Middle Stack

    • Allergy Medicine
    • Headache / Fever
    • Tums / GasX / Stomach

    Right Stack

    • Cold Medicine
    • Cough Drops
    • Liquid Cold Medicine

    Organized Health & Medical Items

    Having the health and medicine organized has made the whole system much more efficient for our family.  If we are out of bandaids I go into the closet, get the bandaid container down, and restock the bandaids.  If I notice one of the containers is getting empty I will put that item on my list to look for in the sales fliers and on the clearance shelves.  Once a container is full I no longer buy any more of that particular item until we need it again because what we have in stock should last us several months.  This system has helped us save time, money, and energy.  It is much easier finding what you need, to see what needs restocked, you don’t waste money on items you already have at home, and it looks so much better too

    Left Stack

    • Miscellaneous – items that don’t fit into any of the other categories or ones that we typically only keep one extra of since we don’t go through them as quickly
    • Vitamins
    • Heat Pads

    Right Stack

    • First Aid
    • Bandaids
    • Gauze / Medical Pads

    This system has worked very well with our family.  I think it is important that you find what works best for your family and go with it.  It didn’t take me long to get this set up and it has been a huge time saver ever since we started using it.  I would love to hear how and where you store these types of items in your home?

  • New Upromise eCoupons for August 2012

    Upromise has posted their new eCoupons for the month of August 2012. Remember to activate your eCoupons to get additional savings. If you have not yet signed up for Upromise you can get more information regarding on our experience or directly at the Upromise website.

    This month they have 41 coupons you can activate for bonus savings. Once you activate your eCoupons all you have to do is scan your rewards card or purchase the items at the store and the cash will be added to your account. You don’t even have to carry any coupons to get the rewards!

    You can go to their website for more information on the Upromise program, it’s free to join.

  • Intentional Living: Weekly Goals

    The girls are excited about getting to go to Grandpa and Grandma’s VBS program.  We are all looking forward to spending some time with family this week at the family reunion.

    Last week’s goals:

    Family Goals

    1. Read regularly to the girls and have them read to me
    2. Participate in at least 2 fun Summer Activities with the Kids
    3. Get to the Final Goal Mark (2000 minutes) on the Girls “Swim Into Reading” Summer Reading Goal (total 2,000 Reading minutes)
    4. Spend time with extended family
    5. Narrow down what type of vehicle we want to get – still working on it

    Personal Goals

    1. Spend extra time helping and making memories with my extended family

    Home Management Goals

    1. All laundry for the week washed, folded, and put away in one day
    2. Work on My Summer Organizational Schedule – didn’t get much done with all the travel last week
    3. Pack for upcoming family reunion
    4. Pay all upcoming bills
    5. Clean house prior to traveling

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention
    3. Work on projects with the family business

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Emergency Fund – save 6 months worth of living expenses – will work on it more once the car is purchased
    3. Car Fund – save money for another vehicle to replace the one that was totaled – still saving for a new vehicle
    4. College Fund – put cash aside for 1 year of Jake’s College Classes – on hold temporarily until we purchase a new car

     

    My goals for the upcoming week:

    Family Goals

    1. Attend Family Reunion
    2. Read regularly to the girls and have them read to me
    3. Participate in at least 2 fun Summer Activities with the Kids
    4. Plan out the Girls “Swim Into Reading” Summer Reading Goal (total 2,000 Reading minutes) Grand Prize for Completion
    5. Spend time with extended family
    6. Narrow down what type of vehicle we want to get

    Personal Goals

    1. Spend extra time helping and making memories with my extended family

    Home Management Goals

    1. Put mail on hold for when we are away
    2. Line up someone to come by and check on the house / pets while we are away

    Business Goals

    1. Work on ideas for upcoming blog posts
    2. Keep up with the day to day items that need my attention
    3. Work on projects with the family business

    Ministry Goals

    1. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Emergency Fund – save 6 months worth of living expenses
    3. Car Fund – save money for another vehicle to replace the one that was totaled
    4. College Fund – put cash aside for 1 year of Jake’s College Classes

    I think it is important to share and encourage each other as we seek to improve our lives and the lives of those around us.  I want to live intentionally not just hope all my dreams and goals come true.  When I focus on small steps of improvement I am able to see results as I get closer to my goals.  Some weeks I get closer to the goals I have in my life and other weeks a take a few steps back (life happens, emergencies occur, people get sick).  Once the goals are written down and shared it provides a guideline for what I aim to accomplish this week.

    Why Share My Goals?

    • To keep me accountable
    • To share a piece of my life with you as I strive to be a better Child of God, Wife, Mom, Friend, Homemaker, Entrepreneur and the many other roles I have each week
    • To have my goals consistently written down so I can gauge progress more accurately
    • Create healthy habits in my life
    • To encourage you to share your goals with me as you continue to grown and learn

    How did you do this week on your goals?  Feel free to share or link to your list of weekly goals.

    The picture above is one that I created for my own purposes, however, The “SMART” acronym was originally coined 30 years ago by Peter Drucker in his classic work, Management by Results.