Budget

Financial Peace – A Start

January 21, 2010

Jason and I have always been really open about our separate and combined financial situations. When we first decided that marriage was in our future we discussed our past money mess-ups and how we stood at the time – full disclosure. Ever since then we have had regular talks about how we feel about money, what we want to do with what we have, and what our end-goal is. Oddly enough, we’ve never fought about money, I think it’s because we never hid anything from each other and made every financial decision together, even the little stuff. When we were making the decision to move from California to Alabama this past summer, we took a good long painful look at our financial situation. We looked at our then-current budget and we made a realistic budget for after the move. We took into consideration the extreme changes in income and did some severe cut-backs in our budget (i.e. swapping the $400/month cell phone plan for a single emergency cell, eating out whenever we wanted to once-a-month or less date nights, etc.) We also estimated future budgets by considering when Jason would be getting expected raises and when certain expenses would...

Read more »

November Menu Plan

November 2, 2009

This monthly menu planning and shopping almost entirely at once is really working out well for us. Breakfasts: Cold cereal, oatmeal, waffles, toast. Lunches & Dinners: As follows… On weekdays we have our large meal at lunchtime so that Jason can eat with us before he goes to work for the night shift. On weekends we have our large meal in the evening. For the other meal we have a selection of sandwiches, leftovers, quesadillas, pizza, quickie pasta, or the occasional snack tray with smoothies. Here is my plan for the large meals: Sunday, 1st: Italian chicken with carrots and rice. Monday, 2nd: Farfalle (bowtie) pasta with meat sauce. Tuesday, 3rd: Pork roast with mashed potatoes and corn. Wednesday, 4th: Tacos and fruit. Thursday, 5th: Chicken noodle soup and rolls. Friday, 6th: Hamburgers & fries. Saturday, 7th: Monterey chicken with potato casserole and skillet corn. Sunday, 8th: Beef stew and cornbread. Monday, 9th: Pork chops with baked apples and rice. Tuesday, 10th: Baked ziti with corn-on-the-cob. Wednesday, 11th: Chicken & gravy with Rice-a-Roni and carrots. Thursday, 12th: Pizza and watermelon. Friday, 13th: Chicken noodle soup and rolls. Saturday, 14th: Pot roast with mashed potatoes and carrots. Sunday, 15th: Spaghetti with...

Read more »

Rant Rant RANT!!!

September 1, 2009

My last couple of days haven’t been all that great. Actually, I can’t say it that way, it’s been the last week but off-and-on, culminating in today. When we left California, we still had about a year left on our DirecTV contract. Upon moving to Alabama, we hooked it back up and switched from the $75/month premium plan to the $29/month family plan to finish out our contract. We got AT&T for our land line and DSL internet. AT&T owns DirecTV, so we were able to get a good deal on a bundle. However, the phone had annoying static and Jason had horrible issues with the internet. While he was playing World of Warcraft he’d get kicked offline every 15 minutes or so. During the day while he was at work, I’d have to reboot our router every few hours because it would randomly lose connection with AT&T. Jason called Mediacom and found out that they would pay up to $300 to buy us out of our DirecTV contract if we switched over to their cable TV; also, their internet promised to be much faster than AT&T could provide. We happily switched our TV, internet, and phone over to...

Read more »

Menu Plan, month of September

September 1, 2009

This is my first shot at planning a full month of dinners. I picked a good month for it because I’ll be out of town visiting my family for a week and will be leaving Jason and his mom to their own devices. I never plan breakfast, we’re all grazers in the morning and are happy with a bowl of cereal. With Jason having switched from the day shift to nights, we’ll be switching our main meal of the day from evening to lunch time so that he can have a good filling meal with the family before heading off for work at 3 pm. Here are our September lunch plans: Tuesday, 1st: Tuna salad sandwiches, chips & dip, & fruit. Wednesday, 2nd: Monterey Chicken. Thursday, 3rd: Pot Roast with carrots and potatoes. Friday, 4th: Chicken & gravy with corn and Rice-a-Roni. Saturday, 5th: Shake & Bake pork chops with crash potatoes. Sunday, 6th: Orange Chicken with Veggie Fried Rice. Monday, 7th: Spaghetti with garlic breadsticks. Tuesday, 8th: Pork Roast with mashed potatoes and applesauce. Wednesday, 9th: Chicken Noodle Soup Thursday, 10th: Tacos and green salad. Friday, 11th: Roast turkey breast with baked potatoes and skillet fried corn (the way...

Read more »

Menu Planning 101: Assignment 2

August 27, 2009

Last week we came up with 15 of our family’s favorite meals. This week’s challenge from The Happy Housewife was to add another 5 meals and list our favorite side dishes. My first list of meals from last week included our absolute favorite main dishes. This week I’m adding a few meals that we like to splurge on once in a while: Taco Cheese Dip Breakfast for Dinner (eggs, potatoes, pancakes, homemade muffins, waffles, any combination of breakfasty foods) Big Chef Salad with veggies (uncooked sweet corn and raw carrots) and different meats (turkey or chicken, salami or pepperoni), shredded cheese, and fruit like raisins, craisins, pineapple bits, mandarin orange slices, apple chunks. Basically a mish-mash of an antipasto tray mixed into salad greens. Hot Dogs (I have a weakness, but I try to keep it in check and at least buy the quality hot dogs) Orange Chicken We don’t really worry about too much variety in side dishes, we’ve got our favorites and stick to them: Carrots Mashed potatoes Rice A Simple Walk’s Simple Pull-Apart Rolls Potato Cheese Casserole Rice-a-Roni Corn on the cob Baked potatoes Green salad Tater tots Guacamole with chips Fruit cocktail Peaches Pears Pineapple...

Read more »

Menu Plan, week of August 24, 2009

August 24, 2009

I was really not in the mood over the weekend to menu plan. We had a couple of unexpected expenses pop up last week and our grocery budget suffered. We’ve got plenty, but I wasn’t really up for an “eat from our pantry/freezer” challenge quite yet. So, here’s what I came up with for this week. Not bad stuff, we’re actually having some of our favorites in spite of my unpreparedness. Monday: Breakfast for dinner, eggs with fried potatoes and fruit. Tuesday: Beef stew with Kate’s pull-apart rolls and leftover green salad. Wednesday: Corn-flake and parmasan crusted chicken with carrots and mashed potatoes. Thursday: Cheese enchiladas and rice. Friday: Our last box of Hamburger Helper which traveled from our California pantry to Alabama. Saturday: BBQ chicken, corn on the cob, and Pioneer Woman’s crash hot potatoes. Sunday: TBD. I have absolutely nothing planned for Sunday. The fabulous dinner I had planned for the weekend before last when we thought friends were coming to dinner wound up being turned into a basic family meal because Jason never actually confirmed the plans with his work buddy. Major oops on his part. Well, he’s re-upped the invitation and this weekend is a...

Read more »

Menu Planning 101: Assignment 1

August 20, 2009

Last week, The Happy Housewife challenged her readers to an assignment. She’s starting a series on how to menu plan and this first assignment was for each reader to come up with a list of 15 meals that their family wanted to eat. Now, I’ve been menu-planning for just about a year now and have really enjoyed it (even though I have often forgotten to post our menus online). I do a week-by-week, Monday through Sunday plan. Depending on our available funds when I’m planning out the week, sometimes I make a list and shop for everything I need to make the meals I chose, and sometimes (when we’re broke) I plan meals around what’s already in our pantry/freezer/fridge. So far, my “fly by the seat of my pants” menu-planning method has been working for us, but since we just recently switched from two incomes to one, and from a 3-person household to a 5-person (and by next spring, 6-person), what I hope to get from Toni’s Menu Planning 101 series is to go from a weekly menu plan to a monthly plan and learn how to make our planning more frugal by stretching our meat with more vegetables...

Read more »

Realizing Our Budget

August 1, 2009

Last night Jason and I went over to the mall to pick up four new iPhones for our family (him, his mom, his sister, and I). We found that Sprint had horrible to no service at our new house and a quick call to Customer Service had us out of our contract. AT&T has great coverage at our house, Jason’s work, and all over the county. We were set on iPhones and had the funds to make it happen, so we went for it and fell in love with them as we played last night. Unfortunately, looking at our budget, it is very clear that we can no longer cover the cost of fancy cell phones. Our plan was difficult for me to swallow, but it’s necessary: we’re dumping cell phones altogether, lowering our cable service to the cheapest $30/month plan, and cutting out a bit more fat from the budget. I thought we had put together a really solid budget to account for moving here and relying on just Jason’s income. However, a few things didn’t go exactly as planned so we are now left in a lurch. We’re going to have a land line phone with unlimited...

Read more »

Other Places to Find Me Online…

Categories

Archives