• Living on a Budget: Groceries $40 for 4

    Groceries from CVS, Walgreens, & RiteAid

    It was my first week of doing my new cash budget system – Groceries $40 for 4.   Although it has been a learning process the week has gone pretty well so far.  Since this my first week am I still testing the water and we continue trying to utilize the food we already have in our pantry and freezer.  Here is my grocery spending for the week:

    • $1.61 at Walgreens for 2 cans of Mandarin Oranges and 1 can of Mushrooms
    • $7.96 at RiteAid for a gallon of Milk, 2 packs of Cheese, 1 container of Sour Cream
    • $3.72 at CVS for a 24 pack of Bottled Water and 2 boxes of Popcorn

     

    Groceries from Ingles and CVS!
    • $1.98 at CVS for another 24 pack of Bottled Water (Jake should be set for a little bit!) & Free Mike-n-Ikes Candy!
    • $10.00 at Ingles for Strawberries, Oranges, Tangerines, Onion, Seafood, and Apples.
    Groceries from Aldi's
    • $14.06 at Aldi’s for Pineapple’s ($0.99 each), Salmon Fillets, 2 Cheese Packages, Cucumber, Bananas, Cheese sticks,  and Celery.

    It was our first week of the challenge – Groceries $40 for 4 and we spent $39.33 so we were very close to going over.  I was disappointed to see RiteAid’s milk spike up this week, but thrilled to get the 24 packs of water for $1.98 as well as some fresh fruit and veggies on sale.  I used some coupons, bought clearance items, and utilized weekly ad discounts to help save us a little extra on our grocery budget.  Since it was my first week I was testing the water and hope to do better next week now that we have replenished our fruit and veggie drawers.  We’ll see how I do!

    I hope 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.  I hope by taking the extra time to watch my grocery spending it will allow us to feed our family, enjoy life, 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.

  • Life Simplified: No Grocery Shopping (Continued)

    Now that we are through January 2011 you may be wondering how I  did with my No Grocery Shopping Month Challenge.  I did a lot better than I anticipated, but still had a hiccup or two.  Thankfully no one starved or went hungry in our house during my challenge.  We even hosted guests for a few meals!  It took a little extra planning on my part to cook meals from items already in the pantry and fridge, if we didn’t have something we did without it or found a creative way to make it out of what we had at home.  The amazing part is the entire family was supportive of my goal even if that meant a slightly altered menu.  The only comment I received from one of the girls that indicated they noticed was “Mom, did we eat up all the leftovers in the fridge because it looks a little empty?”

    Here is the complete list of groceries I purchased in the month of January:

    • 6 gallons of Milk
    • 1 loaf of Bread
    • 1 package Ground Hamburger
    • 1 package Cube Steaks
    • 2 Yogurts
    • 1 container French Onion Dip
    • 1 container Cottage Cheese
    • 1 package Flour Tortillas
    • 1 box Kellogg’s Toy Story 3 cereal

    The total spent on groceries for this month was $27.95 including the tax.   Milk was by far the most expensive part of our expenditures for the month of January adding up to $18.93.  We had an extra expense of $1.50 from the Kellogg’s Toy Story 3 cereal that did not meet my criteria.  Leaving only $7.52 for all of our other grocery purchases for the month of January which I bought last week.

    The food I bought had to meet the following criteria:

    • FREE – I don’t want to waste free grocery coupons that my family will use while doing this goal
    • Necessity – Milk, Eggs, Bread, etc…
    • For Someone Else outside of my household.  For example I make meals for new Moms in our church and if I need to pick up an item for them on the way to deliver a meal that will be an exception.

    I have decided to continue with this challenge.  It has been wonderful not having to go to the grocery store every week for anything other than milk.  Our pantry still has plenty for us to eat and our freezer is fairly full.  So I am going to continue with this challenge into February and see how much longer I can make it stretch.

    One of the questions I have been asked is – What are we eating?  Do we have recipes for these meals?  To answer those questions I will be sharing a little more about what we are eating and recipes in a later post.

    I will continue to share with you the challenges, successes and what I had to purchase so you can keep me accountable or even go through the journey with me by participating  and sharing your story.  I am excited to be extending this goal into the first part of February!  It has been great learning to say “no” when at the grocery store to extras and being creative with we have at home.

    Life Simplified is a series on getting rid of the extras in our life while learning how to enjoy what God has given us so we can continue to be a blessing to others.  Our homes can quickly start are bursting with “stuff”  and if you are like us we just have too much.  I am doing a series on ways we are learning to simplifying our food, homes, and lives.  When our hearts, lives, and homes get too cluttered we may start missing out on opportunities to serve and bless the people around us.

  • Book: “The Total Money Makeover” by Dave Ramsey

    Seven years ago my husband and I read through The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey with a group of young couples from our church.  It was a great time in our marriage to review our spending habits and find ways to get our finances in order.  In just a few years we paid off all our debt (with the exception of our mortgage) college loans, cars, credit cards, and saved up enough money for emergencies, 12 months of expenses, and to start our own business.

    It was freeing for us as a couple to have structure with our money including doing a budget together and being smarter when spending.  It took some sacrifices to meet our goals but reading this book and going through it with friends helped us stay on track.  We are still learning and adapting as we adjust to what life brings are way (including some financial setbacks, 12 weeks of bed-rest and beautiful twin daughters who spent time in NICU).  The neat part about the setbacks is you now have guidelines already in place to help you get back on track.

    Dave Ramsey’s has a lot of great financial tools for your family.  I encourage you to start by reading or listening to this book.  He has a Workbook that goes along with the book and a CD if you prefer listening over reading.

    Workbook – The Total Money Makeover Workbook.

    Audio Cd – The Total Money Makeover: A Proven Plan for Financial Fitness

    I wish you the best as you find ways that work for your family!  Going through this with friends provides an additional support structure while you learn together.  We have given our book out to family and friends numerous times!