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Home > Archive: August, 2006
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Archive for August, 2006
August 30th, 2006 at 06:49 pm
0We came up with an idea for our first grader. He now has the option to purchase lunch at school, as a big first grader. ;) We decided that at the beginning of the week we will sit down with his lunch calendar and decide which meals he would like to buy and which days he would like to pack. Each week he gets $10 regardless. If he packs all week, he keeps $10. If he buys all week, he keeps only $1.25. This motivates him to make some decisions and it makes him responsible for his money and his eating choices. Just like I have to decide if I am willing to pay fast food for lunch or keep my money and pack, so must he make this same decision.
So far, this plan is working well and has raised some good discussions. At first he wanted to buy lunch every day, but he didn't like getting only $1.25. Then he changed it to packing every day. We talked about how it is ok to splurge sometimes and that this money is budget for lunch. He can do what he wants with it. Eventually, he decided to buy three days this week, because the menu options were pretty good.
The best benefit to me is I get to encourage him to choose mostly healthy lunches. I hate soft pretzel day! What kind of lunch is that? And French Toast sticks with syrup????? Come on. If he wants to eat pizza once in a while, that's fine, but let's stay away from the absolute junk. asdf123
We came up with an idea for our first grader. He now has the option to purchase lunch at school, as a big first grader.  We decided that at the beginning of the week we will sit down with his lunch calendar and decide which meals he would like to buy and which days he would like to pack. Each week he gets $10 regardless. If he packs all week, he keeps $10. If he buys all week, he keeps only $1.25. This motivates him to make some decisions and it makes him responsible for his money and his eating choices. Just like I have to decide if I am willing to pay fast food for lunch or keep my money and pack, so must he make this same decision.
So far, this plan is working well and has raised some good discussions. At first he wanted to buy lunch every day, but he didn't like getting only $1.25. Then he changed it to packing every day. We talked about how it is ok to splurge sometimes and that this money is budget for lunch. He can do what he wants with it. Eventually, he decided to buy three days this week, because the menu options were pretty good.
The best benefit to me is I get to encourage him to choose mostly healthy lunches. I hate soft pretzel day! What kind of lunch is that? And French Toast sticks with syrup????? Come on. If he wants to eat pizza once in a while, that's fine, but let's stay away from the absolute junk.
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August 30th, 2006 at 06:37 pm
0My regular readers are getting a glimpse of my personality. I get obsessed with things, but these obsessions never last. In fact, they are generally short lived. A lengthy obsession for me lasts about a month.
Finances was my obsession. Thankfully, I have stopped what I would call "obsessing" about it, but the thought is still there. This is good because now it is a healthy battle rather than an obsession. If I can keep finances on the back burner, it will continue to cook. If I continue at the pace I was, I'll end up burning it, to keep up with the cooking analogy. I'm content with where I am with the finances right now and proud of myself for not having let it go all together.
My new obsession? ;) Gardening. I get so frustrated when an obsession hits at the wrong time! LOL! Here we are approaching FALL and I am obsessing about gardening. To fulfill my needs I have been doing a lot of reading, researching and tending to houseplants. LOL! I decided yesterday that my office at work needs plants because I read (while researching) that plants absorb toxins. How cool is that! And my office is toxic! Saddly, most schools are. I read up on plants that will survive with very little light, because I'm in a dungeon. I went to the nursery and came home with a Potho (I think). I also bought a Venis Fly Trap for home and the boys are enthralled with it.
Now, true to my obsessive nature, I spent last evening repotting and making cuttlings from my new Pothos and my beautiful Spiders that I am so very proud of. I am filling my home with plants now, and rather frugally too. The spiders have all been completely free, made from cuttlings. I cut a new cuttling for a plant I got from my MIL. It's a very common plant, but I don't know what it is. LOL! This is all new to me! The Pothos and Fly trap I paid $14.00 for, but I can make as many new plants as I want from the Pothos, so I don't mind the investment. I have two offices at two schools and a home to fill with toxin removing plants! LOL!
In the meantime, I am researching for a garden in the spring. I learned that if I lay out cardboard boxes on my grass it will kill grass and weeds while creating rich soil for my garden. This is good. I can do this. After that, I have about 15 things I want to plant! LOL! I don't do "small" well. I am going to try to scale back to my favorites and build from there though. Otherwise, this obsession will wane like all the others and this one, like the finances, is a good obsession. asdf123
My regular readers are getting a glimpse of my personality. I get obsessed with things, but these obsessions never last. In fact, they are generally short lived. A lengthy obsession for me lasts about a month.
Finances was my obsession. Thankfully, I have stopped what I would call "obsessing" about it, but the thought is still there. This is good because now it is a healthy battle rather than an obsession. If I can keep finances on the back burner, it will continue to cook. If I continue at the pace I was, I'll end up burning it, to keep up with the cooking analogy. I'm content with where I am with the finances right now and proud of myself for not having let it go all together.
My new obsession? Gardening. I get so frustrated when an obsession hits at the wrong time! LOL! Here we are approaching FALL and I am obsessing about gardening. To fulfill my needs I have been doing a lot of reading, researching and tending to houseplants. LOL! I decided yesterday that my office at work needs plants because I read (while researching) that plants absorb toxins. How cool is that! And my office is toxic! Saddly, most schools are. I read up on plants that will survive with very little light, because I'm in a dungeon. I went to the nursery and came home with a Potho (I think). I also bought a Venis Fly Trap for home and the boys are enthralled with it.
Now, true to my obsessive nature, I spent last evening repotting and making cuttlings from my new Pothos and my beautiful Spiders that I am so very proud of. I am filling my home with plants now, and rather frugally too. The spiders have all been completely free, made from cuttlings. I cut a new cuttling for a plant I got from my MIL. It's a very common plant, but I don't know what it is. LOL! This is all new to me! The Pothos and Fly trap I paid $14.00 for, but I can make as many new plants as I want from the Pothos, so I don't mind the investment. I have two offices at two schools and a home to fill with toxin removing plants! LOL!
In the meantime, I am researching for a garden in the spring. I learned that if I lay out cardboard boxes on my grass it will kill grass and weeds while creating rich soil for my garden. This is good. I can do this. After that, I have about 15 things I want to plant! LOL! I don't do "small" well. I am going to try to scale back to my favorites and build from there though. Otherwise, this obsession will wane like all the others and this one, like the finances, is a good obsession.
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August 30th, 2006 at 06:19 pm
0I am a planner! My plans don't always work, but I enjoy the process of planning the plan. ;)
I just did some figuring with my salary and pay scale. If I can complete 5 more course between now and the Fall of 2008, I will be bumped up to a Master's +20 pay which works out to about $280 more per month after taxes. If I can complete an additional 3 classes by Fall of 2009, I will be bumped up to a Master's +30 pay which works out to about $480 per month after taxes. And that is without taking into consideration cost of living increases, because they aren't a sure thing. (These are very rough figures not taking into consideration things like tax brackets. I simply figured the difference between my gross monthly pay and my net monthly pay is 30%. :eek: I figured the rest out accordingly.)
Here's another "if". AFTER we eliminate our debt (not IF, but AFTER), and IF we can pay off our car loan by Fall of 2009, we will have approximately $1200 left over after all bills are paid for living expenses. This is exactly what we are used to right now eliminating what we pay out toward debt. This is good news! This means we can live entirely off off my salary within 3 years!
My goal all along has been to eventually live off of one salary and invest the other. There is a light at the end of the tunnel! The light is 3 years and a pretty specific plan away, but it is there, none-the-less. asdf123
I am a planner! My plans don't always work, but I enjoy the process of planning the plan.
I just did some figuring with my salary and pay scale. If I can complete 5 more course between now and the Fall of 2008, I will be bumped up to a Master's +20 pay which works out to about $280 more per month after taxes. If I can complete an additional 3 classes by Fall of 2009, I will be bumped up to a Master's +30 pay which works out to about $480 per month after taxes. And that is without taking into consideration cost of living increases, because they aren't a sure thing. (These are very rough figures not taking into consideration things like tax brackets. I simply figured the difference between my gross monthly pay and my net monthly pay is 30%.  I figured the rest out accordingly.)
Here's another "if". AFTER we eliminate our debt (not IF, but AFTER), and IF we can pay off our car loan by Fall of 2009, we will have approximately $1200 left over after all bills are paid for living expenses. This is exactly what we are used to right now eliminating what we pay out toward debt. This is good news! This means we can live entirely off off my salary within 3 years!
My goal all along has been to eventually live off of one salary and invest the other. There is a light at the end of the tunnel! The light is 3 years and a pretty specific plan away, but it is there, none-the-less.
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August 27th, 2006 at 02:37 am
0I have less time for blogging these days! Or perhaps just less energy. I'm not sure.
We're chugging away. I've been reading on the site more than participating lately. I'm trying to figure out this whole coupon thing. I like to just shop at Aldi's and forget the hassle, but my Walgreens experience has intrigued me.
I'm also considering gardening for the spring. Our land is absolutely horrible and it's hard to get grass to grow! The builders stipped our entire neighborhood of top soil. I'm thinking this Fall we'd like to till a square of it and cover it with leaves so that by Spring we'll have a nice piece of dirt to work with. Then we can plant and see what grows! I really like the idea of free groceries in my back yard.
I'm stressing about money again. It's the beginning of the school year which always comes with pop up expenses. I've held money back from paying off the debt so that these expenses don't bust the budget. My hope is to not use it all and have a large sum I can send all at once at the end of September. I'm not very good at waiting though. I like to have a little to send here and there. I just $100 to one card, but that's not near as much fun as a couple hundred more.
I'm also stressing about the time factor involved in saving money. It's so much easier to save money when one person is home! It's so easy to be too tired to make lunch or dinner and then dining out becomes a so very tempting. I try to have safe guards in place for these events, but we're not perfect. Sometimes we don't feel like eating my "just in case we feel like eating out quick meals."
I also start to get overwhelmed when I think of upcoming expenses for our boys. They are so young right now, but it won't be long before we will need to purchase musical instruments and pay for lessons in addition to sports activities and whatever else. We limit sports activities right now. They choose one per year and they aren't doing the things at the same time which cuts down running around time for us. But since music is so important to us, eventually they will be doing both music AND sports at the same time! I want to give them that opportunity, but goodness it is expensive! I know that as a flute teacher I charge $15/half hour lesson. That's around $120 per month for both boys for one instrument! $240 if I want them to do piano in addition to a second instrument, which I do! Add to that the cost of sports activities, and, well, how do parents do it? And by then they will be eating more too! LOL! :eek: No more small plate dinners keeping our grocery budget in line. Let's not even talk about college yet. Phew!
Alright, I'm done worrying. It's on paper and out of me head now. ;) asdf123
I have less time for blogging these days! Or perhaps just less energy. I'm not sure.
We're chugging away. I've been reading on the site more than participating lately. I'm trying to figure out this whole coupon thing. I like to just shop at Aldi's and forget the hassle, but my Walgreens experience has intrigued me.
I'm also considering gardening for the spring. Our land is absolutely horrible and it's hard to get grass to grow! The builders stipped our entire neighborhood of top soil. I'm thinking this Fall we'd like to till a square of it and cover it with leaves so that by Spring we'll have a nice piece of dirt to work with. Then we can plant and see what grows! I really like the idea of free groceries in my back yard.
I'm stressing about money again. It's the beginning of the school year which always comes with pop up expenses. I've held money back from paying off the debt so that these expenses don't bust the budget. My hope is to not use it all and have a large sum I can send all at once at the end of September. I'm not very good at waiting though. I like to have a little to send here and there. I just $100 to one card, but that's not near as much fun as a couple hundred more.
I'm also stressing about the time factor involved in saving money. It's so much easier to save money when one person is home! It's so easy to be too tired to make lunch or dinner and then dining out becomes a so very tempting. I try to have safe guards in place for these events, but we're not perfect. Sometimes we don't feel like eating my "just in case we feel like eating out quick meals."
I also start to get overwhelmed when I think of upcoming expenses for our boys. They are so young right now, but it won't be long before we will need to purchase musical instruments and pay for lessons in addition to sports activities and whatever else. We limit sports activities right now. They choose one per year and they aren't doing the things at the same time which cuts down running around time for us. But since music is so important to us, eventually they will be doing both music AND sports at the same time! I want to give them that opportunity, but goodness it is expensive! I know that as a flute teacher I charge $15/half hour lesson. That's around $120 per month for both boys for one instrument! $240 if I want them to do piano in addition to a second instrument, which I do! Add to that the cost of sports activities, and, well, how do parents do it? And by then they will be eating more too! LOL! No more small plate dinners keeping our grocery budget in line. Let's not even talk about college yet. Phew!
Alright, I'm done worrying. It's on paper and out of me head now.
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August 23rd, 2006 at 07:31 pm
0I just got my checks in the mail from Kroger Rewards for *drum roll please*...$90! :eek: Of course that is because the three months prior to coming to this site I had racked up that many points on my credit card! Still, $90 is $90. Even though I don't shop at Kroger any more, but Aldi instead, I can stock up on things that I can not get at Aldi.
$50 of that money is going toward diapers for a friend who is having twins. So I have $40 left, plus two $7 off coupons plus a few other coupons I can throw into the mix. Free stuff, here I come!
The only problem is, I can't find that $7 off coupon! Grrrrr. I know they do this on purpose. They send really good coupons a good month before you can you use them because they know that you will lose or forget about them!
I'm off to turn my house back upside down trying to locate those dag-gone coupons! asdf123
I just got my checks in the mail from Kroger Rewards for *drum roll please*...$90! Of course that is because the three months prior to coming to this site I had racked up that many points on my credit card! Still, $90 is $90. Even though I don't shop at Kroger any more, but Aldi instead, I can stock up on things that I can not get at Aldi.
$50 of that money is going toward diapers for a friend who is having twins. So I have $40 left, plus two $7 off coupons plus a few other coupons I can throw into the mix. Free stuff, here I come!
The only problem is, I can't find that $7 off coupon! Grrrrr. I know they do this on purpose. They send really good coupons a good month before you can you use them because they know that you will lose or forget about them!
I'm off to turn my house back upside down trying to locate those dag-gone coupons!
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August 23rd, 2006 at 12:13 am
0I just remembered a few little frugal things I did today.
I used my leaky faucet drip water to water all five baby trees in our yard. Pathetic little things. I also used it to water our plants and we added it to the washing machine for a load. Oh, and lemonade. Can't forget the lemonade! That's a lot of water!
We had meatloaf for dinner and one little single serving remained. Instead of letting DH eat it, which he normally would, we repackaged it with a side of rice and side of corn casserole and (voila!) it is lunch for another day. A homemade frozen meal.
I also rescued a spider plant. I had never been able to keep a plant alive. Then, my grandmother died and I took home a beautiful Daylilly from her funeral and it has thrived since March 2005. That inspired me to try other plants. So a co-worker clipped 4 baby spiders from her plant. I gave 2 to my room-mate at work and I kept 2. My 2 did beautifully over the summer! I put them outside and they are babying like crazy! Well, I went back to work yesterday and walked into the room, and there, on her windowsill, were my roommate's spider plants! :eek: They were so wilted, their leaves were molded to the pots. And they are such tiny, pitiful little things. Here's where this relates to finances:
Past me would have thrown them away and given her new clippings from my plants at home. The new frugal me saw the beauty that was still in those not-dead plants. So I watered them and put them outside on the sidewalk while I worked for the day. I wrote my roommate a kidnapping letter and took the plants home. Just since yesterday morning those plants have perked straight up toward the sun! It's so much fun to watch them come back to life, like on E.T.!
asdf123
I just remembered a few little frugal things I did today.
I used my leaky faucet drip water to water all five baby trees in our yard. Pathetic little things. I also used it to water our plants and we added it to the washing machine for a load. Oh, and lemonade. Can't forget the lemonade! That's a lot of water!
We had meatloaf for dinner and one little single serving remained. Instead of letting DH eat it, which he normally would, we repackaged it with a side of rice and side of corn casserole and (voila!) it is lunch for another day. A homemade frozen meal.
I also rescued a spider plant. I had never been able to keep a plant alive. Then, my grandmother died and I took home a beautiful Daylilly from her funeral and it has thrived since March 2005. That inspired me to try other plants. So a co-worker clipped 4 baby spiders from her plant. I gave 2 to my room-mate at work and I kept 2. My 2 did beautifully over the summer! I put them outside and they are babying like crazy! Well, I went back to work yesterday and walked into the room, and there, on her windowsill, were my roommate's spider plants! They were so wilted, their leaves were molded to the pots. And they are such tiny, pitiful little things. Here's where this relates to finances:
Past me would have thrown them away and given her new clippings from my plants at home. The new frugal me saw the beauty that was still in those not-dead plants. So I watered them and put them outside on the sidewalk while I worked for the day. I wrote my roommate a kidnapping letter and took the plants home. Just since yesterday morning those plants have perked straight up toward the sun! It's so much fun to watch them come back to life, like on E.T.!
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August 22nd, 2006 at 11:27 pm
0Well, I broke the challenge, and I broke it big! What have I done? Let's break it down.
Yesterday, I went to the thrift store and bought back-to-school clothes for the boys. I wasn't going to, but then I decided I was just being cheap. My youngest son is hard on clothes and between all the spaghetti, jelly, marker and grass stains and the bald spots in his hair where he groomed himself, the child was looking pretty ragged. :confused: I spent $100 on a cart load of clothes. I got at least 50 pieces which included a bunch of shirts for DH and one orange turtle neck for me. It's to go with the 3 Halloween Vests I have never worn because I had nothing to wear them with. :D I think it cost me $.60. Ooooooh, big spender. ;)
Today, I went to Walgreens and did some rebate shopping for the first time ever. I have mixed feelings about it. I'm really going to have to watch myself if I continue to do this. I think it can be good as long as I buy things I need to buy and not just because it fits in with the rebate. I am a shop-as-I-need-it shopper, not a shop-because-it-is-onsale shopper. I do not typically stock up on soaps and deodorants and whatever else. This is new to me and I'm not quite sure how it is going to work into my budget. Right now, my plan is to have my $200 and my grocery list and fulfill those needs first. With whatever money is left, I can "play" at Walgreens with a strict list and a calculated total of how much I am spending. I am wondering when/how I recoup the savings in my budget. I guess eventually I can go a month without buying toiletries? I don't know. Whatever...I spent $86 with a savings of $17 at the register. I will be getting $26 back in rebates.
The we got the boy's haircut to a tune of $26. No more bald spots in the little guy.
Finally, I spent $40 to fill the gas tank. It wasn't quite empty, but the price was only $2.49 and I'm afraid it will go up before I need to fill up.
Even with all of the above expenses, only the $100 thrift store purchases and half of the haircuts were outside of the budget. I basically paid for it with the padding in the checking account. I could have used the misc. funds in the freedom account, but I'm trying not to if I can help it. The best news is...NOTHING IS GOING ON THOSE CREDIT CARDS! It was outside of the budget, but still cash. :D asdf123
Well, I broke the challenge, and I broke it big! What have I done? Let's break it down.
Yesterday, I went to the thrift store and bought back-to-school clothes for the boys. I wasn't going to, but then I decided I was just being cheap. My youngest son is hard on clothes and between all the spaghetti, jelly, marker and grass stains and the bald spots in his hair where he groomed himself, the child was looking pretty ragged.  I spent $100 on a cart load of clothes. I got at least 50 pieces which included a bunch of shirts for DH and one orange turtle neck for me. It's to go with the 3 Halloween Vests I have never worn because I had nothing to wear them with.  I think it cost me $.60. Ooooooh, big spender.
Today, I went to Walgreens and did some rebate shopping for the first time ever. I have mixed feelings about it. I'm really going to have to watch myself if I continue to do this. I think it can be good as long as I buy things I need to buy and not just because it fits in with the rebate. I am a shop-as-I-need-it shopper, not a shop-because-it-is-onsale shopper. I do not typically stock up on soaps and deodorants and whatever else. This is new to me and I'm not quite sure how it is going to work into my budget. Right now, my plan is to have my $200 and my grocery list and fulfill those needs first. With whatever money is left, I can "play" at Walgreens with a strict list and a calculated total of how much I am spending. I am wondering when/how I recoup the savings in my budget. I guess eventually I can go a month without buying toiletries? I don't know. Whatever...I spent $86 with a savings of $17 at the register. I will be getting $26 back in rebates.
The we got the boy's haircut to a tune of $26. No more bald spots in the little guy.
Finally, I spent $40 to fill the gas tank. It wasn't quite empty, but the price was only $2.49 and I'm afraid it will go up before I need to fill up.
Even with all of the above expenses, only the $100 thrift store purchases and half of the haircuts were outside of the budget. I basically paid for it with the padding in the checking account. I could have used the misc. funds in the freedom account, but I'm trying not to if I can help it. The best news is...NOTHING IS GOING ON THOSE CREDIT CARDS! It was outside of the budget, but still cash.
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August 20th, 2006 at 01:47 am
0It is the end of day 8 for me. It has been remarkably easy.
Today we took some friends on a one hour drive to help my brother do some drywalling at his house. We had lunch there. On the way home, we were starving just from all the work we had done. I really wanted a coke! Coke is like beer to me. I can't stand beer, but sometimes a girl just needs a Coke. ;) But we managed to get home without stopping.
I had spaghetti planned for dinner, but then I remembered that we had corn casserole, pasta salad and carrot raisin salad in the fridge leftover from the night before. So we just pan fried some chicken and ate leftover sides instead. That was frugal because otherwise those sides would probably have hung out in the fridge for two more weeks when I finally would decide to throw them out. I'm pretty good about using up meats or freezing them, but sides are a different story.
I'm happy with the way our debt downpayment is going. We just switched from a 9% card to a 0% card for 15 months. The problem is that it comes with an initial 3% transfer fee. But 3% one time vs. 9% every month is a big difference. Still, that initial 3% is going to bother me.
I have a goal to have all this paid off within the year. At the rate we are currently going, I just might reach that goal. asdf123
It is the end of day 8 for me. It has been remarkably easy.
Today we took some friends on a one hour drive to help my brother do some drywalling at his house. We had lunch there. On the way home, we were starving just from all the work we had done. I really wanted a coke! Coke is like beer to me. I can't stand beer, but sometimes a girl just needs a Coke. But we managed to get home without stopping.
I had spaghetti planned for dinner, but then I remembered that we had corn casserole, pasta salad and carrot raisin salad in the fridge leftover from the night before. So we just pan fried some chicken and ate leftover sides instead. That was frugal because otherwise those sides would probably have hung out in the fridge for two more weeks when I finally would decide to throw them out. I'm pretty good about using up meats or freezing them, but sides are a different story.
I'm happy with the way our debt downpayment is going. We just switched from a 9% card to a 0% card for 15 months. The problem is that it comes with an initial 3% transfer fee. But 3% one time vs. 9% every month is a big difference. Still, that initial 3% is going to bother me.
I have a goal to have all this paid off within the year. At the rate we are currently going, I just might reach that goal.
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August 19th, 2006 at 02:04 am
0Man! We have been really lucky with unexpected money coming at us lately! I get to add another $31 to the CC tonight. Verizon owes us $95 and we are getting a $50 refund from another CC that was closed like 3 years ago???? I didn't know we had a refund coming. Gee, you'd think they could have told us. I'm only going to count the $31 though until the other money comes in.
DH almost spent money tonight...almost, but didn't. We went to a friend's house for dinner and the guys were talking about "Mythbusters" and an episode where they put some "Menthos" in a 2 ltr bottle of diet coke and it erupted. They had to try it of course. ;) They went to the store, but DH forgot his wallet. Hmmmm....too bad. Our friend just went ahead and bought it all since it wasn't that big an expense to begin with. It was cool too! I recommend you try it yourself!
So here we are on day 7 and no money spent. Now we just have to get Friday to Friday of next week. Dinners are covered....lunches are getting difficult. Especially with school starting up. asdf123
Man! We have been really lucky with unexpected money coming at us lately! I get to add another $31 to the CC tonight. Verizon owes us $95 and we are getting a $50 refund from another CC that was closed like 3 years ago???? I didn't know we had a refund coming. Gee, you'd think they could have told us. I'm only going to count the $31 though until the other money comes in.
DH almost spent money tonight...almost, but didn't. We went to a friend's house for dinner and the guys were talking about "Mythbusters" and an episode where they put some "Menthos" in a 2 ltr bottle of diet coke and it erupted. They had to try it of course. They went to the store, but DH forgot his wallet. Hmmmm....too bad. Our friend just went ahead and bought it all since it wasn't that big an expense to begin with. It was cool too! I recommend you try it yourself!
So here we are on day 7 and no money spent. Now we just have to get Friday to Friday of next week. Dinners are covered....lunches are getting difficult. Especially with school starting up.
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