Budgets Are Neat

OK, that might be a bit forced, but I am quite proud of myself for staying on budget the last 2 weeks.

A little while back I posted about our new cash budgeting system. And I have to admit that so far I am thinking it is a really great system for us.

Last week was harder than this week I'm guessing because I had more expenses and it was the first week of getting used to a budget. I also didn't plan for a few things, like teacher's thank you gifts and an impromptu ice cream night because M placed in the top tenth percentile nationally on his standardized tests. I have to admit I knew we didn't have the money, but it is a rare day that R suggests something of that nature, and I did want M to know how proud I am, so I figured we make it up this week. And I grossly underestimated my hair appointment, by $22! I really need to keep track of this stuff I can plan ahead better. All in all I went over budget by almost $85! So I had to take it out of this week's allotment.

This week I only had $100 for groceries, clothes, entertainment, gas and all other incidentals. It is also the first week that the kids are out of school. I can see that having them home most of the time will help keep me out of the stores. I detest shopping with both of them. It is such a stressful thing that I avoid it at all costs. I do foresee, however, that I could spend quite a bit on outings. So to make up for it I did a ton of research on what is available and also found some great websites with calendars of kids activities. I then, ever so cheerfully, declared this THE SUMMER OF FREE FUN!

M had golf lessons Monday thru Friday of this week. I paid for them in May. Totally worth the $40 fee. I will probably sign him up for another round later this summer. He also had cub scout camp Friday and Saturday which was $42. I bit pricey I think, but considering the rest of the year is pretty much free, I guess it really isn't.

Monday it rained and we just couldn't quite get our act together so we hung out all day. I even let them watch DVDs from the library for WAY too long.

Tuesday, racked with guilt, I decided I better get on the summer schedule. After chores and brain time we decided to go see a guy that rescues reptiles give a demonstration at the library. Cost-FREE. It was only an hour, but the kids really enjoyed it. Then we walked to a nearby eatery and had a snack. My plan was to get a cookie or share a larger dessert. This is where my new frugal parenting habits didn't quite kick in. They both wanted their own piece of chocolate cake. I wanted a fruit struesel bar. I knew the cake was too rich for them to finish a whole piece on their own, but I didn't want a fight, so I gave in. I was right, they ate half and threw it away. I ate half of mine and saved it for later. Cost-$11.04. Lesson learned-I need to be willing to fight the battle now so it will continue to get easier instead of giving in out of weakness. I went to the library by myself that evening for a little alone time. I like to read all the magazines I used to buy. At $3+ a pop, reading them at the library saves me some serious dough. I found some good DVDs for the weekend. Hooray for free books, magazines and movies!!!

Wednesday it rained some more. M had a playdate with his buddy. My neices came over to play with Z. Free fun for all. I went grocery shopping that evening because we were out of pretty much everything. I bought a very few basics. Cost-$45.74. M also had karate. Karate is expensive, $190 each month. He does several extra classes and has tournament team training as well. He loves it and it is so great for him. It's the only thing he is willing to work his booty off for. I'm willing to eat beans and rice for him to do this.

Thursday it rained. Seeing a pattern here? What a crappy way to start summer vacay. Oh well. We did our chores and then my kiddos went over to the neighbor friend's house for the afternoon. We went to a BBQ at a friend's for dinner.

Friday M went to camp. Z and I went to get my car from my dad. It has been making a disturbing clunking noise for months now. Everytime someone would look at it they would say they couldn't find anything wrong. Finally I told my dad I was too worried to drive it to Bear Lake, so if we didn't figure it out, I wouldn't be driving the boys up on the weekends. I didn't want the steering to go out down the canyon or something! He finally figured out it is just a loose cap on the McPhereson strut. It isn't dangerous, just annoying. I can replace the entire strut, which is still fine, for $85, or live with the noise. Just gonna live with it for awhile. So I gave him back their Durango, thank goodness because gas for that baby is ridiculous. Then I dropped Z off at his Granny's for their weekly hang out sesh. Salami, cheese, sourdough bread with butter, strawberries, soda and ice cream, plus TV! So totally bad, but I love the me time and they love going to visit. I picked up my sis and headed over to my friend's. We drove out to IKEA for the afternoon. I did very well. I bought 2 pillows for the couch, a whisk, an under the bed storage box for Z's out of season clothing, lunch and some candybars. Cost-just under $25. Which I had in my own checking account, so it didn't come out of the family money. Later P. and I went to Rio for a split salad and some queso. Oh yum! I ate way too much. Then we went to see Star Trek. It's good, I liked it a lot. I was planning on letting my kids see it but I'm glad I saw it first. I'm a bit strict, I'll admit, but I really think it is PG-13. Not because it is gory violent, it isn't. It is pretty scary. Evil aliens from the future already occupy way too much of M thoughts. If that wasn't the underlying theme, and that wasn't M particular anxiety, I would probably think it would be OK. Maybe. There is only 1 scene that is sexually suggestive, but I'm really trying to limit their exposure to that as well. So, I know he's going to be ticked off, but I'm not going to let him see it. And it is waaaayyyy to scary for a 6 year old. I didn't get snacks because i was already so full from dinner. So $6 from the family fund and $8 from my checking. M slept over at a friend's house and Z hung with dad.

Today, Saturday, M again had camp. Z and I slept in until 9:30. So delightful!!! Then we bummed around at home until about 1pm. I had thought I'd take him to the farmer's market down town, but it was, you guessed it, raining. So we went to lunch at Shivers. I had a coupon from our Happenings book for Buy 1 Get 1 Free. We also got a small shake. Cost=just over $9. Then we went to the store to get a prescription and buns for the hot dogs we are having for dinner. To my delighted surprise, the pharmacist told me that the meds were free. I don't know why, but hey! I'll take it!!! Then we bought buns, cheetos (on sale), toilet paper (4 rolls of the cheap stuff to get us through until next week) and 1 lb. of spaghetti in the clearance basket. Cost-$4.08.

So it is Saturday night and we have $6 from our weekly allotment. And I would say we had a pretty fun filled week and we ate just fine as well. My car is almost on E. I need to do a pantry inventory so I can spend as little as possible for groceries next week. Tonight we just plan on eating at home and watching a DVD. Tomorrow we are having breakfast at a friend's cabin just up the canyon and a BBQ with some other friends in the evening. R has a bike ride planned in between. Maybe we'll hit the skate park if it isn't raining. Or visit Nana and Pops.

Monday we start fresh with $172.89. I'm going to sign Z up for a round of flag football which will be $40. And I will need to figure out Father's Day gifts. It may be a good week to stock up on some pantry items as well.

It feels good to be in control and to be thinking before spending and aware of what we are spending our money on. I like having to pick and choose what spending items respresent our values and goals. And so far, I don't feel deprived at all.

Going to Cash

R and I have decided to switch up our money plan a bit.

Up until now I've just told him how much I need each month and he transfers that amount into my checking account. That would be great if we were making beaucoup bucks and had more money than we could possibly spend. But alas, that is not the sitch. So it leaves a huuuuggge opportunity for living beyond our means. The other issue is that I was still overspending each month, leaving R wondering what the hell. I think it had to do with me designating an amount and not having a concrete amount.

So instead we have decided to live like we have a regular job that brings in a set amount. We'll leave the amount needed to cover the set bills in our checking account and transfer the rest into a different account. Each week we'll withdraw 1/4 of the leftover funds as discretionary expense money, i.e. gas, groceries, clothes, entertainment, etc. When the money for the week is gone-it's gone baby.

I realize this is hardly a novel idea, but it is new for us. I'm hoping it will help us prioritize and really choose how to spend our money. I'm also hoping it will teach my kids some money management skills. Money = cash, not a card that has an infinite supply of funds. And obviously I am hoping it will help us live within our means.

I'm actually excited. I think it could be a grand adventure to maximize our dollar!

Oh hi, it's me again.

Well, one month of 2009 already gone. And I never got around to posting my resolutions. Well that's OK, let's just say I used January to really refine my priorities and goals for the year. What I was thinking I'd like to accomplish on January 1st has changed and crystallized into some simpler, but more impact-ful decisions. Sounds to grand doesn't it? Well, not really. It's just life.



Resolution #1

I will bring my own bag instead of using paper or plastic. Even for things other than groceries.



Resolution #2

I will remember that LOVE is a verb.

I will quit trying to change my spouse into a happy, go-lucky optimist, because he really isn't one and it is making our marriage very tense. So I will do my best to point out the good side of things, without being preachy or naggy. When he gets into one of his funks, I will not go all Pollyanna on his ass, nor will I get frustrated with him for not seeing how our thoughts shape our reality. I will either support him by listening attentively, or ask him for what he needs from me, or if I can't be objective, I will tell him I need to think about it before I react, and go from there. I can't keep taking it personally, because it really isn't. He is stressed. He is worried. That is his reality, not mine. I will love him, because I love him. I will do my best to accept him for who he is today. I will be present with whatever our marriage brings and try to not to be so judgmental.



Resolution #3

I will parent as mindfully as I possibly can. I will accept that I am human and will not always do the "right" thing. When I regret how I have handled something, I will acknowledge it, apologize and ask for understanding. I will remember that my children are my equals, they are just younger and less experienced than I am, and that is the way it is supposed to be. I will look for the teachable moments, but I will also look for the learnable moments. My kids are so cool and such fantastic individuals. I will do my best to guide, teach, enjoy, support, and accept my boys for who they are. I will remember that this is their lives we are talking about. I will try my best to take me ego and pride and pre-programmed ideas out of it and just let my heart guide me. I have wonderful motherly intuition. I will trust it, because I have never regretted doing so. I will tell them often how much I love them. I will let them know I trust them to do what is right for them. I will empower them. I will remember that they are children and that they have lots of time to learn "grown-up things". I will take their issues and worries as seriously as I take my own. And I will let them know, often, how cool I think they are. And lots and lots of cuddles and hugs while I can still get them.



Resolution #4

I will live below my means. I will do my best to realize that "stuff" is not what it is about. Money is a resource to help you attend to your priorities and reach your goals. It is not about pride or status. I will do this by simply spending less. I will acquire less stuff. I will look for non-spending solutions whenever possible. I will use my money to further my values and goals. I will expect my spending to have a high ROI. I will save up for things I want. I will remember all the incredible things I already have, and do my best to be grateful and content.



Resolution #5

I will be lucky! I am going to affirm that I am lucky and I will expect lucky things to happen to me. I will also keep track of what lucky things come my way. I will be open to possibilities and say yes more to see what opportunities it may bring. I will express my gratitude daily for all the amazing experiences I have.



Resolution #6

I will reach out to others more. I will call someone to catch up every day. I will do things for the people I care about and support them through their days. I will send cards and letters. I will really listen so I can remember the details. I will HUG (I've never been much of a hugger). I will smile at strangers and strike up conversations when possible. I will be open to what others have to bring into my life, and I will gladly share my gifts with others.



Resolution #7

I will make myself a priority. I will do the things that make me happy because I am every bit as deserving as everyone else. I will cultivate joy in my life. And fun. I will find hobbies that I enjoy, and that give me some time away from my family. I will pursue my interests, even if I have to do them alone. I will see the movies I want to see. I will attend the lectures I am interested in. I will figure out what makes me fabulous (blond hair? pink toes? fab boots? waxed legs? jazzy underwear?) and find the resources to make it happen for myself! I will find ways to learn and enjoy myself. I will be proactive, instead of waiting for it to be a convenient time for everyone else, or for someone else to think of ideas and activities. I will buy myself the gifts I want, the flowers I think are pretty. I will paint the cabinets the color I like. I will journal and blog and collage and imagine so that I keep in tough with my real feeling and desires. I will LOVE me!



Resolution #8

I will walk more. I will walk to keep myself and my kid's and my dog's bodies healthy. I will walk because I am fed up with the quality of the air in this city and am sick about the idea of not letting my kids out to play because the air quality is dangerous. I will walk to put less money in the pockets of people that don't deserve my money. I will keep that money for me and my family. I will walk to have a sense of my community and what is going on in my neighborhood. I will walk and say hello to my neighbors. I will enjoy the feeling of blood pumping in my legs and heart.



Resolution #9.

I will cultivate a home that is peaceful and comfortable. I will not get sucked into the idea that it needs to cost a lot, or that it has to be perfect, shiny and new. I will look for creative, thrifty ways to craft my home into the place I want it to be and a place my family is comfortable and happy. I will make each one of our bedroom's a sanctuary and a personal expression. I will declutter the extraneous and enjoy the cherished. I will learn new skills and take pride in our home!



Resolution #10

I will find a way to make some money for our family. I will do something I enjoy and am good at. I won't do something that is beneath me or that I find boring or disagreeable. I will give marketing for our business the importance it deserves and make sure that each piece has the right message and goes out on time.



So there you have it. I see a lot of "being present" and "living in the now" and being "mindful". I also see quite a bit about loving and accepting, enjoying and fun! I think it boils down to authenticity.

I know that the world has some challenges to overcome. I also know that a bazillion wonderful things happen every freakin' day that no one hears about. I'm going to focus on the positive. I'm doing to do my part to make this planet, my community, my family and my life a better thing than it was last year. I am going to do my best to "be the change that I want to see in the world". Really it comes down to individual actions. I'm excited about this year. I see this year as a time to get back to basics. To cultivate. To learn and improve skills. To prepare. As a catalyst. I also see it as a time for joy, happiness, gratitude and fun. But I see everyday as a time for those. I see those as the purpose and point of life.


Peace!

No Spend Challenge Update

Friday morning I decided to take another look through my gift stash and struck gold. I had a stepping stone making kit that would work just great for a girl. I try to not give more "stuff" for gifts, so this also went a long with my gift philosophy. Her mom probably isn't too stoked but that really isn't my problem right? Money saved $15.00.

Friday I washed jeans and found $7 in my pocket! Love that.

Z's birthday party was at McDonalds. When I went to pick him up M requested a chocolate shake. Their shake machine was broken so I ordered a sundae instead. Spent $1.07 from the found money. He didn't eat it and I found it melted a few hours later.

By the end of Friday I was starting to worry that M wasn't going to eat anything at all. Thursday night he had tried a Michelena's Alfredo Lasagna with Broccoli and eaten a bunch. When I asked him what he wanted for dinner he wanted another one of those. So I ran to the store (amazing what a starving child will do for your resolve to spend money). I grabbed 3 plus 2 mac and cheese. I also grabbed 4 Powerades, figuring he'd probably drank a total of 4 oz in the last 24 hours and I was worried about dehydration. I grabbed a pumpkin pie and a package of broccoli cheese soup. Total $23.50.

Saturday my mom called and wondered what she bring M while he was recuperating. I suggested we just head to the bookstore together so I could get something I knew he would like, plus I always buy my kids a few books for Christmas and I wanted to check out the offerings. I found a series that another little boy recommended while I was there. Total $39.51.

Today was a No Spend day. Good for me, I can actually do it.

I need to go fill prescription tomorrow or Tuesday. I can't decide if I should use the one that gives you a $20 GC to Smiths, or the $30 GC to Rite-Aid. I think Smiths is more versatile, but $30 is pretty good. I'll have to think about it overnight.

I am surprised at how hard it is to not spend money. I am realizing I am a convenience shopper. For instance I bought the Christmas books because I don't foresee myself heading to Barnes & Noble again and I didn't want to make a special trip. But I should have checked to see if Costco carries the same series, because if they do and they are cheaper, I will be taking the ones from Barnes & Noble back. Which is an extra trip. Note to self, think things through. It's not like I won't be in the neighborhood in the next month. Observation noted.

I'm hoping by Tuesday or Wednesday M is eating again and a wider range of foods. I don't want to head to the store again. Which reminds me, I should mix up some milk tonight and put it out in the fridge in the garage. Or mix it into the 1/2 gallon we have left to stretch it and mask the taste a bit. I don't foresee needing anything else in the next week, so besides the prescriptions, I should be able to stay out of the store.

10 Day No Spending Challenge

A few months ago a couple of blogs I like to read had a No Spending Challenge. I think it was for a month. Since I'm out of money for the month, I'm going to try my own version for the next 10 days.

What We Have
We have A LOT of food on hand. Really more than enough to last for a while. I may need to buy milk. I do have dry milk. Hmmm. I wonder if I could slide it past the boys. I'm going to give it a whirl.
M just had his tonsils out yesterday. The bill won't come for at least 30 days and then I can take 90 days to pay for it all. So nothing should be spent there. I bought his meds yesterday, so they don't count.
Z brought home 2 notes for the Thanksgiving feast on Tuesday. One says to bring a Sweet. The other says to bring a Meat. Not sure which one his teacher really wants, so I'm going with the Meat. I have a ton of pepperoni in the freezer. I'll send that.
Tonight is Bunco. Since I'm not hosting it's free for me.
M can't go out this weekend since he's not supposed to be around people for at least a week. So nothing should be spent.
I paid my car insurance this morning. I had the money saved in an ING sub account. So since it was saved especially for that purpose I'm not counting it.
We don't really have much planned for next week. I need to talk to my mom about Thanksgiving. I'm sure I will need to bring something. I just need to make sure it is something I already have on hand or can make from what we have.
We have 2 FREE coupons for 1 night rentals on RedBox DVDs. Good entertainment for a non-school night.

What I Don't Have
Saturday I have an appointment for some hair removal. I missed the last appointment so I don't really feel I can cancel. Cost $30.
I HAVE to get my oil changed. Soon. Like last month. I think it is usually about $25 at JiffyLube. I have a $10 off coupon. So $15.
I have one prescription that needs to be filled before the end of the month. It's $30 but if I fill it at Smiths I can get a $20 GC.
Z had a birthday party tomorrow. For a girl. I have no gifts stockpiled for girls. I usually spend about $15. If I buy it at Smith's I can use the GC. Cost $0. Love that!

What I'm Deferring
Our cat needs his vaccinations (again. Note: if you don't come back when they tell you to for the next set, you have to start over) so that I can get him fixed. Cat is growing himself quite a set of cajones. So $26 for the shots, $40 for the neuter. $66 to the Humane Society. This can't be deferred past December.
I owe on a library book. $20. I'm going to have to pay this if I want to check out books. But both my boys have cards we can use. I can reasonably defer this until January.
Christmas!
Paint-I am dying to paint my bedroom. We've been here 3 1/2 years and I still have a drab, flat white bedroom. I have the color picked out. And I'm ready to repaint M room a lighter color. So $30-$60 in paint. This, or course, can be deferred indefinitely. I'm thinking I may just ask my folks for cash for Christmas to redo my bedroom.
New Christmas decor. I really want some new stuff. We've had all the same stuff for about 10 years now. I'm going to wait until after Christmas to get some new ornaments on clearance.

What I'm Giving Up
My good friend is having a Girls Night Away this weekend at a hotel. The cost would be about $100. Just not going to happen.

So honestly, I'm in pretty good shape. I just have to do it! I'm actually excited.