Living on a Budget

  • Family Recipe: Cream Cheese Candies

    My cousin Rachel shared this recipe with me many years ago.  These are perfect for holidays, weddings, showers, birthdays, or any special celebrations.  You can make them any color to match the theme of the party.

    Cream Cheese Candies:

    • 1 package Cream Cheese, softened (8 oz)
    • 1/3 teaspoon Peppermint or Almond Extract
    • 3 cups Confectioners Sugar
    • Food Coloring
    • Colored Sugar, optional

    In a small mixing bowl combine cream cheese and extract.  Beat in 1 1/2 cup Confectioner’s Sugar.  Knead in remaining Confectioner’s Sugar until smooth.  Shape into 1/2 inch balls.  Roll in colored sugar if desired.  Place in ungreased baking sheets and flatten with a fork or form into the shape you want.  Let stand 1 hour to harden and store in airtight container in the refrigerator.  Yields – 6 dozen

    Photo by Jo Naylor

     

  • Living on a Budget: Creative Cash (November Update)

    November is my tenth month tracking my Creative Cash.  What is Creative Cash?  Creative Cash is finding ways to come up with extra cash to share with others as well as work on our current goal.  I am working part time, a stay at home Mom, and wear many other hats from day to day, however, I feel that it is important not only to save money for our family by using coupons and buying items on sale but to earn a little money to help with the extra expenses and to share with others.  The extra amount I bring in on top of the work is what I call “Creative Cash” which means finding ways to make money creatively or with items and talents I have already.  I have tested this goal over the last couple months as I am challenging myself to make my life more simplified.   I plan to continue this goal for the remaining months of the year.  Despite the many financial obstacles that we have faced as a family we have been blessed with so much.  We believe it is important to be accountable with our finances and give to others.

    Explanation: The creative cash will be made throughout the entire month through various endeavors.  As it comes in the money is placed into our savings account and withdrawn at the end of the month so it can be split.  It is my goal to make at least $100 extra a month to help with our goals as well as share with others.  At the end of the month the money will be split 50 / 50 with half going towards our current goal we are working on (which at the moment is paying down debt) and the other half going to charity.

    November was a pretty good month even though it was extremely active in many other areas of my life.  Thankfully I was able to save some extra cash however, I did not reach my my goal of $100.  I want to share with you the ways we did it so if you are looking for ways to make a little extra creative cash for your family hopefully we can be an inspiration in getting your creative juices flowing:

    • $8.96– Items sold on Ebay (after fees):   The all the items sold were coupons.  I encourage you to look around at some of the coupons you get the mail, newspapers, magazines, in your stockpile, or other places and if you will not have the opportunity to use them then consider selling them for a little extra creative cash
    • $44.08 – Other miscellaneous amounts earned  (rebates, returns, cash back,  extra money, etc…) that was added to my stash for the month.

    November’s “Creative Cash” total was $53.04 which means $26.52 extra that goes towards our current goal (paying down debt) and $26.52 goes towards charity.  I have plan of action on ways to earn creative cash in December so stayed tuned, hopefully, it will be another month where we can get closer to our goal and share with others.  Each month I do a variety activities to accomplish this goal, the items above are just the ones I did specifically in November.  I look forward to sharing more of the things that work well for our family as I do them in the upcoming months.

    I will share with you the challenges, successes, and updates as I go through this journey so you can keep me accountable or even go through it with me by participating  and sharing your story. Taking the extra time to find ways to help our family as well as invest in the lives of others is important to us.  I hope that we have been able to encourage you to find ways to come up with some creative cash for your household as well.  Obviously, each situation and family is unique so decide what works for you and go for it!  Do you know of another way to earn creative cash?   I would love to hear your idea!

    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.

    Photo by StopNLook

  • Life Can Be Sweet – S’mores Brownies

    Our family loves brownies!  The nice thing about making brownies you can add in all kinds of goodies and it still tastes awesome.  You can also add items on top of the brownies after they are baked or use them as a base to sundaes!  As you may already know not all my brownies turn out perfect like my Mint Chocolate Chip Brownies I made for our church Community Group, but for the most part they turn out delicious.

    I had some extra items on hand so we added them to the brownies.  I cooked the brownies to almost done added some marshmallows, chocolate and butterscotch chips finished cookies then drizzled chocolate syrup over the top.  The results delicious brownies to share with family and friends! 🙂

  • Save A Lot: Deals for the week of November 30 – December 6, 2011

    The Save A Lot weekly ad deals are listed below for your convenience.  You can start stocking up on some great deals for upcoming Holiday cooking.  Sign up for the Smart Shopper Club, by doing so you will get a $5.00 off of $25.00 coupon!

    Meats and Seafood

    Sugardale Bone In Hank Potion Ham – $1.19 per lb

    Chicken Leg Quarters – $0.49 per lb

    Beef Eye of Round Roast – $3.99 per lb

    Cooked Cocktail Shrimp (41 to 50 count) – $4.99

    Hickory Springs Sliced Bacon (12 oz) – $1.99

    Farmington Pork Sausage, Hot or Mild (16 oz) – $1.99

    Fairgrounds Sliced Lunchmeats, Assorted Varieties (16 oz) – $2.99

    Fairgrounds Jumbo Hot Dogs (16 oz) – $0.99

    Portside Fish Fillets, Tilapia, Perch or Flounder (16 oz) – $3.99

    Matlaw’s Shrimp Ring with Sauce (10 oz) – $4.99

    Portside Imitation Crabmeat (16 oz) – $1.99

    Pick 5 for $19.99 promo on going: Pick any 5 specially marked packages of your favorite cuts of fresh, frozen or smoked meats and pay just $19.99 (about $2 per pound).

    Fridge and Freezer

    Coburn Farms Cream Cheese – $1.00

    Land O’ Lakes Spreadable Butter (8 oz) – $1.99
    Use $0.50/1 coupon from insert 10/16 Smart Source (Expires 12/31/11)
    Use $1.00/2 coupon from insert 10/16 Smart Source (Expires 12/31/11)
    Use $0.30/1 coupon from insert 10/16 Smart Source (Expires 12/31/11)
    As low as $1.49 each after coupon

    Banquet Family Size Entrees (26 to 28 oz) – $2.00

    Tropicana Orange Juice (59 oz) – $2.99

    Chef Antonio Rising Crust Pizza, Pepperoni or Cheese – $3.49

    Eggo Waffles (10 count) – $1.79

     World’s Fair Vanilla Ice Cream (56 oz) – $2.79

    Mrs. Smith’s Pies, Pumpkin, Apple or Cherry – $2.99
    Use $1.00/2 coupon from pamphlet Target booklet (Expires 12/30/11)
    $2.49 each after coupon

    Gold Leaf Deep Dish Pie Shells – $2.33

    Coburn Farms Sour Cream (16 oz) – $1.59

    Morning Delight Crescent Rolls – $1.69

    Save A Lot Today Orange Juice (59 oz) – $1.99

    Curly’s Pulled Pork or Beef (18 oz) – $3.99

    Produce

    California Navel Oranges (4 lbs) – $2.99

    Mixed Bag of Fruit (4 lbs) – $2.99

    Idaho Potatoes (10 lbs) – $2.99

    Tomatoes (6 pack) – $1.99

    Red Grapefruit (3 lbs) – $1.50

    Sunburst Tangerines (3 lbs) – $1.50

    Household

    Tide Powder Laundry Detergent (20 oz) – $3.99
    Use $1.00/1 coupon from Ebony magazine (Expires 12/31/11)
    Use $0.50/1 coupon from insert 10/23 Red Plum (Expires 11/30/11)
    Use $0.50/1 coupon from insert 11/27 Proctor & Gamble (Expires 12/31/11)
    As low as $2.99 each after coupon

     Wrightware Foam Plates (40 count) – $1.39

    Poly Steel Heavy Duty Aluminum Foil (37.5 sq ft) – $1.99

    Wrightware Napkins (250 count) – $1.69

    Chenard Plastic Cutlery, Knife, Fork, Spoon Assortment (48 count) – $1.69

    Max Force Alkaline Batteries, Assorted Varieties – $1.99

    Grocery

    Folgers Classic Roast Ground Coffee (22.6 oz) – $6.99
    Use $1.00/1 coupon from insert 11/6 Red Plum (Expires 12/3/11)
    $5.99 each after coupon

    Crisco Vegetable or Canola Oil (48 oz) – $2.99
    Use $0.50/1 coupon from insert 11/6 Red Plum (Expires 1/31/12)
    Use $1.00/2 coupon from insert 11/6 Red Plum (Expires 1/31/12)
    $2.49 each after coupon

    Cap ‘N Crunch Cereal, Assorted Varieties (12 to 14 oz) – $1.99

    Kraft Deluxe or Velveeta Dinners (9 to 14 oz) – $1.79
    Use $1.00/2 coupon from tearpad found in some stores (Expires 11/30/11)
    $1.29 each after coupon

    Ritz Crackers, Assorted Varieties (14 to 15 oz) – $2.50

    Prego Pasta Sauce, Assorted Varieties (24 oz) – $1.50
    Use $0.75/2 coupon from 10/16 Smart Source (Expires 12/31/11)
    Use $1.00/3 coupon from 10/16 Smart Source (Expires 12/31/11)
    Use $0.50/2 coupon from 10/16 Smart Source (Expires 12/31/11)
    As low as $1.13 each after coupon

    Pregresso Traditional Soups, Assorted Varieties – $1.50

    Quaker Instant Oatmeal, Assorted Varieties – $2.49

    Welch’s Chillers Juice Drinks, Assorted Varieties (64 oz) – $1.99

    On the Border Tortilla Chips (12 oz) – $2.00

     Grissom’s Brown ‘n Serve Rolls ( 12 count) – $1.19

    Monet Entertainment Crackers (8 oz) – $1.69

    Lofthouse Snickerdoodle Cookies – $2.79

    Cafe Valley Fudge Bundt Cake – $3.39

    Portmann’s Mayonnaise – $2.49

    J Higgs Saltines – $1.19

    Wylwood Chili Beans – $0.75

    Hargis House Beef Stew (24 oz) – $2.39

    Hargis House Sloppy Joe Sauce (15.5 oz)  – $0.99

    Mantia’s Alfredo Sauce (15 oz) – $1.99

    Crisp Cranberry Lemon Lime Soda (2 liter) – $0.79

    Coburn Farms Evaporated Milk (15 oz) – $0.79

    Ginger Evans Cake Mix – $1.35

    Ginger Evans Ready to Spread Frosting – $1.49

    Ginger Evans Semi Sweet Chocolate Chips (12 oz) – $2.29

    Morning Gem’s Frosted Flakes Cereal (17 oz) – $2.29

    Morning Delight Complete Buttermilk Pancake Mix (32 oz) – $1.89

    Morning Delight Country Style or Buttery Syrup (24 oz) – $1.89

    Remember you can use the $5/$25 printable coupon to sweeten these deals!  Plus you can earn up to 5 additional $5 off $25 coupons for sharing the coupon with your friends.

    For more information about Save A Lot’s coupon policies go here.  If you find additional deals or savings please let me know and I will add them to the list.

  • Intentional Living: Weekly Goals

    Our family had a blast spending some time together for Thanksgiving last week.  I was beginning to wonder what kind of week it would be when we started the week tired and with a little one throwing up.  Thankfully we didn’t have any big travel plans and have gotten past that little spurt of sickness now everyone seems to be on the mend.    Over the Thanksgiving week together we laughed, snuggled, read books, worked on projects, ate delicious food, went shopping, put up the Christmas tree, and just had fun relaxing as well as doing stuff around the house.    I am thankful for a wonderful family and an opportunity to spend some extra time together.

    Here is the update on last weeks goals:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week – didn’t make do it 5 days
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed) – not quite every night
    5. Spend extra time with my family over the Thanksgiving Holiday

    Personal Goals

    1. Exercise – walk at least 5 days this week – the first half of the week went well
    2. Go to bed by 10:30 or earlier on Monday and Tuesday

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Wednesday)
    4. All laundry for the week washed, folded, and put away in one day
    5. Put up the Christmas Tree

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk – my desk was buried by the end of the weekend, time with the family took priority
    2. Pay all bills that come in the mail this week

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    2. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4 – ahem….this one didn’t happen with birthday and Holidays, my sweet husband did a trip for me which brought it up as well. 
    2. Pay off remaining debt – working on it
    3. Emergency Fund – save 3 months worth of living expenses – on hold until the debt is paid off

    Here are my goals for the upcoming week:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed)
    5. Get the girls passport pictures taken

    Personal Goals

    1. Exercise – walk at least 5 days this week
    2. Go to bed by 10:30 or earlier on Monday and Tuesday
    3. Finish reading  The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal Paine who has a blog called Money Saving Mom (VERY excited about the opportunity to preview this book by a blogger I have been following for years and thankful to be featured on her blog weekly with the Save A Lot Deals!)
    4. Listen to the next section of  Desiring God: Finding Complete Satisfaction and Joy in God by John Piper (I am going through this book with my Community Group)

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Thursday)
    4. All laundry for the week washed, folded, and put away in one day
    5. File the receipts and coupons for the last couple of months.

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk
    2. Pay all bills that come in the mail this week
    3. Work on ideas for upcoming blog posts
    4. Review my 2011 Business Goals and start planning ones for 2012

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    2. Meet a friend or family member for Breakfast or Lunch
    3. Make at least $25 towards my Creative Cash goal this week so I can give more to others.
    4. Deliver a meal to a new Mom.

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Pay off remaining debt
    3. Emergency Fund – save 3 months worth of living expenses

    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

  • Family Recipe: Spinach & Chicken Casserole

    I came up with this recipe several years ago when I was trying to use up some items we had on hand and it has been a family favorite since that day.  My husband mentioned this recipe in passing conversation with someone this past weekend which made me think that it was time to make it again.  So it is on our Menu for this week!  It is easy to put together too!

    Spinach & Chicken Casserole

    • 1 lb Chicken Breasts
    • 1 can Cream of Mushroom Soup
    • 1 can Spinach (drained)
    • 1 can Mushrooms or Fresh Mushrooms
    • 1 cup Provolone Cheese (you can use Swiss or Mozzarella)

    Spread the chicken breasts out in a baking dish so they are touching but not overlapping.  Mix the can of mushroom soup and spinach together and spread over the chicken breasts.  Put the mushrooms on top of the spinach and mushroom mixture.  Bake at 350 degrees for 40 minutes.  Sprinkle the cheese over the top of the casserole and bake for another 10 minutes.

    Layer of chicken, spinach, and mushrooms

  • Save A Lot: Deals for the week of November 23 – 29, 2011

    The Save A Lot weekly ad deals are listed below for your convenience.  You can start stocking up on some great deals for upcoming Holiday cooking.  Sign up for the Smart Shopper Club, by doing so you will get a $5.00 off of $25.00 coupon!

    Meats and Seafood

    Sugardale Bone In Hank Potion Ham – $1.19 per lb

    Chuck Wagon or Old Farm Bacon (16 oz) – $1.78

    Farmington Pork Sausage (16 oz) – $1.99

    Fresh Whole Chicken – $0.79 per lb

    Portside Cooked Shrimp (60 to 70 count) – $3.99

    Matlaw’s Shrimp Ring with Cocktail Sauce (10 oz) – $4.99

    Pick 5 for $19.99 promo on going: Pick any 5 specially marked packages of your favorite cuts of fresh, frozen or smoked meats and pay just $19.99 (about $2 per pound).

    Fridge and Freezer

    Home Churned Butter Quarters (16 oz) – $1.99

    Buyers Best Shoestring French Fries (12 oz) – $0.79

    Imperial Spread (45 oz) – $2.50

    Coburn Farms Cream Cheese – $1.00

    Cool Whip (8 oz) – $1.00

    Totino’s Pizza (9 to 10 oz) – $1.00
    Use $1.00/4 coupon from insert 9/11 General Mills (Expires 12/3/11)
    Use $1.00/4 coupon from insert 10/2 General Mills (Expires 12/24/11)
    Use $1.00/4 coupon from pamphlet Kroger’s My Magazine Giving Hope a Hand (Expires 12/4/11)
    Use $0.60/3 coupon from insert 10/2 General Mills (Expires 12/24/11)
    As low as $0.75 each after coupon

    Resers Salads (16 oz) – $1.00
    Use $1.00/1 printable coupon from Coupon Web
    Use $0.75/1 coupon found on a tearpad in some stores (Expires 12/30/11)
    As low as FREE each after coupon

    Mrs Smith’s Pumpkin, Apple or Cherry Pies (27 oz) – $2.99
    Use $1.00/2 coupon from pamphlet Target booklet (Expires 12/30/11)
    $2.49 each after coupon

    Coburn Farms Aerosol Whipped Cream  – $1.79

    Ginger Evans Ready to Bake Chocolate Chips or Sugar Cookies – $2.29

    Take and Bake Cheese Pizza (33 oz) – $5.49

    Take and Bake Supreme or Pepperoni Pizza (33 to 36 oz) – $5.99

    Wylwood Broccoli Normandy (16 oz) – $1.29

    Morning Delight Buttermilk Biscuits – $0.59

    Wylwood Shredded Hashbrowns (24 oz) – $2.39

    Produce

    Celery – $0.79

    Sweet Potatoes – $0.49 per lb

    Idaho Potato (5 pounds) – $1.89

    Mini Carrots (1 pound) – $1.00

    Household

    Poly Steel Heavy Duty Aluminum (32 sF) – $1.79

    Starware Food Storage (assorted variety) – $1.49

    Wrightware Napkins (250 count) – $1.69

    Ajax Dish Liquid (16 oz) – $0.99

    Luster Facial Tissues (85 count) – $0.79

    Grocery

    Stuffing on the Side – $0.89

    Coburn Farms Evaporated Milk – $0.79

    Jiffy Corn Muffin Mix – $0.45

    Kool-Aid Jammers (10 count) – $1.88

    Harvest Select Grape or Cranberry Cocktails (64 oz) – $1.69

    Musselman’s Apple Sauce (46 to 48 oz) – $2.50

    Velveta Cheesy Potatoes – $1.79

    T.G.I. Friday Snacks (5 oz) – $1.00

    Progresso Bread Crumbs (15 oz) – $1.00
    Use $0.50/1 coupon from insert 11/13 General Mills (Expires 1/5/12)
    $0.50 each after coupon

    Swiss Miss Hot Chocolate (6 count) – $1.00
    Use $1.00/3 coupon from insert 11/13 Smart Source (Expires 12/31/11)
    Use $0.50/2 coupon from insert 11/13 Smart Source (Expires 12/31/11)
    As low as $0.66 each after coupon

    Kaskey’s Chicken Broth (14 oz) – $0.69

    Ginger Evans Cake Mix – $1.35

    Ginger Evans Ready to Spread Frosting – $1.49

    Ginger Evans Chocolate Chip Muffin Mix – $0.89

    Tipton Grove Cranberry Sauce – $0.99

    Crisp Cranberry Lemon Lime or Save A Lot Exclusive Soda (2 liter) – $0.79

    Grissom’s Brown and Serve Rolls (12 count) – $1.19

    Theodoro Dollar Rolls (12 oz) – $1.99

    Mantia’s Elbow Macaroni (16 oz) – $0.99

    Rapid Rice on the Side Instant White Rice (28 oz) – $2.79

    Kaskey’s Onion Soup Mix (2 pack) – $0.89

    Westcott Cooking Spray (6 oz) – $1.69

    Ginger Evans Big or Mini Marshmallows (10 oz) – $0.99

    Libby’s Pineapple (20 oz) – $0.99
    Use $1.00/2 coupon from insert 8/28 Red Plum (Expires 12/30/11)
    Use $1.00/2 coupon from insert 11/13 Red Plum (Expires 3/31/12)
    $0.49 each after coupon

    Portmann’s Seafood Cocktail Sauce (12 oz) – $1.29

    Kurtz Worcestershire Sauce (10 oz) – $0.99

    Nature’s Grain Cinnamon Raisin Swirl (16 oz) – $2.49

    Bakery

    Bakery Fresh Pumpkin Pies – $2.99

    Remember you can use the $5/$25 printable coupon to sweeten these deals!  Plus you can earn up to 5 additional $5 off $25 coupons for sharing the coupon with your friends.

    For more information about Save A Lot’s coupon policies go here.  If you find additional deals or savings please let me know and I will add them to the list.

  • Organized Chaos: Organizing Our Stockpile

    I LOVE getting a great deal but over the last couple of years when I find a good deal the more I find myself asking “Do I really need this?”  Yes, using coupons are wonderful and getting a great deal is amazing only if you are going to use those items or plan on giving them away. A friend introduced me to the show “Extreme Couponing” and after a few episodes I could no longer watch it.  The amount that some people had stuffed in various places in their home was too much for me to even watch.  After some thought I decided to come up with a plan to organize my stockpile in a way that would give me a visual indication that our family’s stockpile is full plus keep the items organized in a way that anyone in my family can find an item, including the kids.

    Here is what I did:

    1. Reorganized our Linen Closet to make room for the stockpile bins.
    2. Purchased inexpensive containers from the Dollar Store.
    3. Used the Label Maker to put the description on the front of each container.
    4. Filled the containers with items from the stockpile.
    5. Once a bin is full then I know it is time to stop buying that item
    6. Any extras items that I get for free I put into a separate box to be given away.

    The new system had to be practical for our family.  I think it is wise to be good stewards of what we have been given and find opportunities to share what you have with others.  I decided that if I had enough of a certain item to last our family for 6 months to a year our stockpile is considered full and I didn’t need to purchase any more of those items.  If I did get a couple items for free they would be put in a special box to give to others (charities, school, church, people in need, friends, family, and anyone else that may need an item from it).

    I have been using this system for several months now and I am really pleased with how it works.  It is easy to know when the stockpile is full enough for your family and it is more efficient when someone needs  to locate an item.  The majority of the items in this closet are office supplies, school supplies and miscellaneous household items.  I love having the freedom to take a few weeks off from using coupons, shopping, or getting deals in general because I know exactly what I have on hand and when I have enough for my family.

  • Intentional Living: Weekly Goals

    Last week was packed full of a lot of extra activities, appointments, refinance closing, and travel some of the events were on the calendar and others we squeezed in because it was necessary.  The biggest blessing was being able to cross off our Refinance Closing.  The paperwork was submitted back in September and several of the documents re-submitted over the last couple of months because the lender couldn’t find the paperwork we gave them or one person didn’t give the next person the right information and so forth.  Now we can breathe a little sigh of relief to get that completed.

    Even though I didn’t get everything done the good news is I am at least taking small steps in the right direction.  This week will not be a huge goal driven week because of the Thanksgiving Holiday.  My biggest “goal” is to spend quality time with my family.  Hopefully, as we spend time together I will get some necessary items accomplished but if not that is okay too because life needs to be fun every once in awhile, right!?  Jake and I have several joint projects that we are hoping to work on over the next few weeks and the girls want to put up the tree.  Some of my goals will be on “hold” during this week, you’ll see it pick back up again after Thanksgiving! 🙂

    Here is the update on last weeks goals:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed) – really need to do better on this one, we spent extra time before bed one night talking on the phone to Daddy since he was traveling this week instead.
    5. Get the girls passport pictures taken – did not get their pictures done
    6. Finish filing the last several weeks of coupons in my File Folder and Binder – didn’t get this done, other priorities popped up

    Personal Goals

    1. Exercise – walk at least 5 days this week – did much better (4 days) but missed one day so can’t cross this one off
    2. Finish reading  The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal Paine who has a blog called Money Saving Mom (VERY excited about the opportunity to preview this book by a blogger I have been following for years and thankful to be featured on her blog weekly with the Save A Lot Deals!) – still reading other activities took priority this week
    3. Listen to the next section of  Desiring God: Finding Complete Satisfaction and Joy in God by John Piper (I am going through this book with my Community Group)
    4. Go to bed by 10:30 or earlier on Monday through Thursday – I was really bad at the beginning of the week getting to bed on time because I was trying to finish a project but I paid for it the next day.

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Thursday)
    4. All laundry for the week washed, folded, and put away in one day – Jake was traveling this week so I had to move my laundry day up 2 days to help with packing and since we were only home for a couple hours that day I wasn’t able to get it done in 1 day, it took me 2 days this week.
    5. File the receipts for the last couple of months and organize the table in the office. – still waiting to be done

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk – it was a wild week with Jake being gone, long doctor appointments, phone calls, refinance, and I didn’t do this really important task and now feel the side effects of it
    2. Pay all bills that come in the mail this week
    3. Work on ideas for upcoming blog posts
    4. Research ways to create more residual income – didn’t get to it
    5. Review my 2011 Business Goals and start planning ones for 2012 – I did write down a couple thoughts but didn’t get really in depth in this one so don’t feel right about crossing it off

    Ministry Goals

    1. Make at least $25 towards my Creative Cash goal this week so I can give more to others. – wasn’t able to do this one.
    2. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    3. Meet a friend or family member for Breakfast or Lunch – I got to have lunch with Jake and his co-workers while supporting a local charity!

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Close on our Refinance – Our plan is to go from the 30 year mortgage that we have been paying off to a 10 year mortgage with a lower interest rate. Sooooo THRILLED to have this one done!   🙂  We knocked 11 years off what we were currently paying by switching to a 10 year and the best part is we are now paying about $20 less every month with the new mortgage!
    3. Pay off remaining debt – almost there
    4. Emergency Fund – save 3 months worth of living expenses – on hold until the debt is paid off

    Here are my goals for the upcoming week:

    Family Goals

    1. Spend 1-on-1 time with each child everyday
    2. Read a book to the girls everyday
    3. Have the girls read 1 book to me 5 days this week
    4. Do devotions with the girls every night (sometimes it gets late and we rush to get them into bed)
    5. Spend extra time with my family over the Thanksgiving Holiday

    Personal Goals

    1. Exercise – walk at least 5 days this week
    2. Go to bed by 10:30 or earlier on Monday and Tuesday

    Home Management Goals

    1. Weekly Dinner Menu planned and written by Monday
    2. Spend 30 minutes every day picking up / cleaning the house
    3. Dinner on the table by 5:30 PM (Monday through Wednesday)
    4. All laundry for the week washed, folded, and put away in one day
    5. Put up the Christmas Tree

    Business Goals

    1. Spend 10 minutes a day cleaning and organizing my desk
    2. Pay all bills that come in the mail this week

    Ministry Goals

    1. Email our weekly Community Group update including upcoming events on the calendar, praises, and prayer requests
    2. Meet a friend or family member for Breakfast or Lunch

    Financial Goals

    1. Stay within Budget on Groceries $40 for 4
    2. Pay off remaining debt
    3. Emergency Fund – save 3 months worth of living expenses

    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