A love for Scrapbooking

A Crafty Blog

February 2010 Debt Update February 26, 2010

Filed under: Learning to Live Debt Free — gotta love scrappin' @ 1:48 am

So, I have put together the numbers for February 2010! Yes, I know that February isn’t quite over but I am finished shopping now for this week.   I won’t be shopping until Sunday afternoon and at that point it will be for the Week of March 1st.  Where did February go?

I bought my first paper on the 7th of February to cash in on some of the coupons.  I have also asked my friends to save their coupons for me as well and my sis and I trade off too.  She does the CVS, Walgreens and Rite Aid deals and I am sticking to grocery stores.   I did well on the $40.00 a week grocery/household budget except this last week.  It came out sort of like this:

The Grand total for the month on grocery/household budget is $203.71 .  For a total budget of $160.00 this was okay.  I am still working on couponing.  I am feeling out the different stores, what sales they have and then I am going to dive in.  I went to Walmart too.  That had a $44.08 impact on this budget.  So all told if I would have stayed away from WM I would have been in budget much better.  I told Little Farmer as I was going in that we weren’t going to buy much.  BUT, I found black icing and red icing (on clearance from Valentine’s Day) for his barn cake which due to the weather and other commitments has been postponed till March.  Poor baby!

The first two weeks I did well eating out of the pantry and freezer.  All but one or two meals came from there.  I am really enjoying this menu planning at the beginning of the week.    It really saves me a headache during the week to know exactly what is planned for the evening meal.   Week three and four, I did well with meals coming from the sales that were running.

I am thankful we are getting snow because the earth truly needs it for our wells and water tables and nutrients for the soil for our gardens BUT I am just over it.   I am ready to start my garden! Plus, I only have my little car and the roads I drive are really bad about drifting when the wind blows.  (I never have had problems until this year.)  Most of the time VDOT puts up snow fences to help prevent this.  WELL, they haven’t had to use them lets see in the past 10 years or longer so they haven’t put them up for 2010.  I was going home one evening and got stuck in a whiteout then got into a drift/ditch and had to call a wonderful family to come pull me out, yes, with their tractor.  They were so helpful and I am so grateful to have them in our lives.  My son adores them because he farms for a living and his wife works at the school.   SO A GREAT BIG THANKS GOES TO THEM.  I will post the card I sent to them soon for that!

Now onto the update for February Debt Payoff for 2010:




Consumer Loan #1 



Consumer Loan #2



Consumer Loan #3






Vacation Money Saved


Down Payment included

As you can see I am making some progress.  I made it into the double digits for loan #2 and barely got there for loan #3.  My focus is on Loan #2 at this point.  Farmer’s work schedule changed so this has helped some, okay really a bunch!  I have not gone to any stores just to be going and I haven’t shopped for anything like clothes or toys either.  We really don’t need any of that and when I do I will go to a thrift store first.   Although with all this snow I do need to buy a pair of waterproof boots.  I have a birthday coming up in Spring and will ask for a pair then after all this crud is over.  Maybe get them on sale too!

I am also adding a new Savings column in addition to the debt.  This is for me and Little Farmer’s vacation! Big Farmer doesn’t want to go. But I don’t remember asking him to go either. We have the money set back for this but I really don’t want to touch it unless I have too.  With the piggy banks cleaned out and all of his birthday money going toward this it has bumped this into the double digits too! Can’t wait to see how March goes.  I am going to raise my budget for household/grocery to $50.00 for the first two weeks and see how that goes; $40.00 just didn’t seem to go far when shopping for the sales even though I was mostly just buying the staples, but I am going to use coupons so I hope this helps.  I am also going to try to stock up after eating out of the pantry for a month.

Remember  “To save money, sometimes you have to not spend any money at all.” It shows that when you put your mind to something it can be done.  I have also been asked why would I post about my debt payoff, well, I know that posting it will help me stay on track!  I won’t bend the rules if everyone is watching.  I hope you enjoy my process of living debt free.   You really have to be completely on board and determined to do this quickly.  You really have to look at what is important and do I really need that item/product that is calling my name.  March has several quarterly payments due so I won’t be able to move up as much as February.  But hopefully March will bring in some extra income as well. 




Meal Plan February 21 February 22, 2010

Filed under: Meal plan — gotta love scrappin' @ 1:52 pm

Meal Plan Monday-February 21, 2010

Monday           Chicken Pot Pie (experimental recipe)

Tuesday           Layered Tacoritos (experimental recipe)

Wednesday      Hamburger Casserole

Thursday          Little Farmer’s B-Day Request Take out Pizza

Friday              Beans and Cornbread

As you may notice I have a lot of “casserole” dishes this week.  Food Lion had their vegetables on sale for $.39 a can so of course I bought some and that is helping to keep my grocery bill cheap.  Also, I LOVE BEANS AND CORNBREAD, is that a southern thang?

Have a great Monday!




Gun Slinger February 19, 2010

Filed under: scrapbook layouts — gotta love scrappin' @ 3:19 pm

At my Uncle and Aunts house they have several different animals in a field beside their home.  Turkeys, chickens, fainting goats, and other assorted sheep and more goats.  So these turkeys have been roosting on the fence and dumping their waste and making a mess, so too speak.  So Auntie took the BBgun and Little Farmer to knock them off.  OMG it was so funny.  They did well but the turkey’s feathers blocked the BB from actually hitting their skin; it was more aggravating for the turkeys than hurtful.  Little Farmer did really good with his aim too.  I was quite impressed. It was such hard work we had to get some drinks afterwards too.  Like I said too funny!  Of course I had to use Old West Cartridge for this layout.  




Red, White and Blue February 17, 2010

Here is a layout done for last years 4th of July weekend.  One of my favorites.  Love this paper!  I used A Childs Year Cartridge for boy in the car, Graphically Speaking for the jumbled PLAY and Wild Card for the font.  Wild Card was a cartridge that I bought and never used with my baby bug.  Now I have my E, I actually use the cart more.  Didn’t even know it had a font on it until very recently.




Meal Plan February 15th February 15, 2010

Filed under: Meal plan — gotta love scrappin' @ 2:06 pm

Monday Soup and Sandwiches

Tuesday Spaghetti with Meat Sauce

Wednesday BBQ Chicken and Veggies

Thursday Leftovers/Baked Potato

Friday Homemade Pizza

As always look at over 100 menu plans here.

It is calling for more snow here this week.  I am not looking forward to it at all.  I am so ready for spring and being able to plant my garden….




Let It Snow February 11, 2010

Filed under: scrapbook layouts — gotta love scrappin' @ 2:31 pm
Tags: ,

I was snowed in all weekend a couple of weekends ago so what better layout to do for Little Farmer’s scrapbook than a Let it Snow one!  It really did take a lot of time to this LO because of all the paper piecing and of course my errors in sizing.  One of these days I will learn…I glittered the snow caps on the trees, you can’t really tell in the picture but they look really cute! 




Learn LO February 9, 2010

Filed under: School Theme,scrapbook layouts — gotta love scrappin' @ 12:09 am
Tags: ,

I am telling you what that Graphically Speaking time is so quickly becoming my go to cart.  I used it to cut out the words on this LO.  I LOVE MY CRICUT EXPRESSION!