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Right Back to It January 8, 2011

Filed under: Uncategorized — gotta love scrappin' @ 9:03 am
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January is a month that for me, I get back on my budget and the debt snowball starts again.  I am taking the Pantry/Freezer Challenge over at Life as Mom.  My goal is not to spend more than $30 on staples through the month.  Our freezers are over flowing and so are the pantries.  First week, CHECK.  It was a success.

Week of January 4th Menu Plan

Monday – Fried Chicken, Okra, Mixed Vegetables

Tuesday – Cowboy Beans, Cornbread

Wednesday – Leftovers

Thursday – Stuffed Green Pepper Balls from a meal frozen in the freezer from November, Mac and Cheese Green Beans, Cresent Rolls

Friday – Snacks

Spent $11 on Milk, OJ, Bread, Eggs

I now have no grocery store with in 20 minutes of work and over 45 minutes from my home.  YIKES!  Our tiny grocery store in our community closed its doors.  It is so hard to run to another town just to get the staples and not pick up other stuff as well.  So we have a milk delivery man that sets up from his truck once a week and sells!!!  This sure does help me stay out of those grocery stores, let me tell you. 

I have gotten my craft vibe back so look for some crafty type posts too in the future.  My goal is at least one per week.  Well, we’ll see.   😉

Our January and February is full of Birthdays and baby showers this year!  I am off to a busy, busy month.

XO,

Becky

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Insurance May 13, 2010

Filed under: Learning to Live Debt Free — gotta love scrappin' @ 1:48 am
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Let me voice my opinion.  First let me say that this is my opinion and it should not be seen as any opinions of anyone else including my employer or any of its affiliates.  

  

Insurance is protection.  I have home, auto, health and life insurance and are thinking about some others like cancer, long term care and an umbrella policy.  Yes I may be over-insured fine by me.  I am not a risk taker so I have insurance to protect against perils (A danger or hazard that can cause a loss, for example, a car collision with an object, or a fire.).  I have insurance on my family.  I want my child/children to be taken care of if something should ever happen to me before he/she is an adult.  In my budget, I have always has money set aside for the monthly/yearly payments of life insurance because I believe in it.

  

Even though I am striving to live a debt free life; there will always be bills that have to be paid whether I am alive or not.  I do have a small mortgage left to pay and have 7 years on it.  I want very much so to pay this off and live debt free.  I am a realist as a friend told me the other day.  I know that cars don’t last forever.  I know that bills come up.  I know that expenses can surprise you when you least expect it too.  I am realizing that it might be better to save up money for the car/other debts instead of paying the house off early.   We have a great interest rate and monthly payments that we can afford.  Still yet, I don’t want my child/children to be burdened with a mortgage payment his/her caretaker wouldn’t be able to afford either so I have TERM and WHOLE Life policies to cover my expenses if something was to happen to me. 

Do you?

  

Think about what you can afford per month?  Your agent can talk to you about your needs and what he or she has to offer. 

 

I am also not one to jump around to a different insurance company every other year or so just to save a buck or two.  I want a trusted company that will help their clients in every possible way; be friendly when I call in or have a claim that is important to me.  I do not want to be just a number or just another customer to have to deal with.  I want to be able to go in and pay instead of mailing the check or having to do it online.  I want the personal touch per say.  I stay in touch with the agent and get to know them.  I want someone to handle my affairs that know who I am. 

 Like I said before THESE ARE MY OPINIONS.  I want my child/children to be taken care of by the caretaker without extra burdens added to them. I can not be any clearer that this is what I believe to be important to us not necessarily what you need for your family. In the very least I hope you can think about the benefits of insurance.  I am not a risk taker and believe in insurance.  I have personally seen how it affects people lives whether you see a tragedy coming or if it is unexpected.

  

XO,

Becky

 

April Update April 29, 2010

Filed under: Learning to Live Debt Free — gotta love scrappin' @ 6:42 am
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April Update!

April has sprung!  We have been so busy with getting the garden ready, seeds started, getting the outside of our house looking like someone actually lives there, and school. 

For April, the budget has been busted.  Should I go on?  I have been wanting to patio set for a long long time.  I hadn’t given in until I found the exact one I could piece together for a whole lot less (more than half) than I could buy a set for.  I pieced it from Target, Walmart, and Rite Aid, yes I said Rite Aid.  So yes this and on top of that the quarterly payments I thought were due in March were actually due in April, but hey I got them paid and went ahead and paid some for the year!  Yeah I haven’t been able to do that since us farmers got married.    I am really really glad that I went ahead and purchased the patio table.  We have used it more than I ever expected. 

Now let’s talk numbers.

We have refinanced our home and combined the Home Mortgage with the Home Equity.  4.25% down from 6.875% YIPPPEEE!  Also have lessened the loan to 7 years!!  I have always paid extra on my home loan so that it could be paid off sooner now that is really a reality because of lessening the interest rate. 

I changed my game plan on what my goal was for March.  Our tax refund came back so we paid off the vehicle loan; it wasn’t that much anyways!  I am only in debt for my house. 

Consumer Loan #1                   100% as of January 31, 2010

Consumer Loan #2                   100% as of March 12, 2010

Consumer Loan #3                   100% as of April 27, 2010

Mortgage Loan                             0%

Vacation Savings                       44%

Now I am going to add the mortgage in there too so I can see my progress!  I really want to have it paid in 3 years.  I am starting at 0% people!  Ambitious I know but if I keep up my non-spending habits, I can put most of our income toward it.  Oh how it feels to have only Home DEBT!

Another bummer to add to the not so good April, someone got my debit card number not the card mind you just the number.  Yes the bank is taking care of this but it has really put a damper on getting things in order.  I really hate that it happened and I am changing the way I “spend” my money.  I am not going to have the debit card anymore!  I decided that the post at The Happy Housewife talking about using the envelope system is what I needed to do. A reader commented that she uses a coupon binder!; for me now that I am going away from using debit cards I am going to try this!  I know what I spend each week on certain categories so I know what I need for gas, grocery, babysitter, school, fun, and lunches. I really think this will help out with the budget too even though I didn’t go over when I was using the debit card I think this will be much easier.   If I don’t have it, it shouldn’t be easy to spend.  RIGHT??

This past weekend the weather was calling for some rain just dreary weather but hey I am NOT complaining I had two inches of dust on the patio from the dry weather.  I cleaned the house and washed clothes AND did some FREEZER MEALZ!  This was my first time so I am not going to over do it. 

My game plan was

2 Pizza Pasta Casseroles (GOT IT)

2 Chicken and Pasta (Couldn’t get in the mood for this one)

2 Meatloaves (new recipe)  (GOT IT)

8 Individual Baked Ham Sandwiches for quick snacks/suppers (or this one)

Seasoned hamburger in 1 lb baggies for quick meals GOT 1 Baggy(didn’t get enough GB)

With summer just around the corner I love 10 minute meals that I just have to pull out of the freezer.  Can’t do without them but the budget doesn’t really allow for those fancy bagged meals now does it.  So I am going to continue to look and find some others to fix as well.

I hope that May’s financials look better than Aprils.  I can’t for see any budget busters so I pray none will show up!        

XO,

Becky