Posts Tagged ‘Spending’

So as of late I have been working to try new items and streamlining them into our daily day-to-day life, I’ve added to my repertoire if you will some homemade chocolate syrup!

The homemade version uses water, unsweetened cocoa powder, sugar and vanilla, it’s a little more bitter than the Hershey’s syrup, but I still enjoy it!

Then last night I made some yummy chicken!

The chicken is super simple:

Extra Virgin Olive Oil

Salt/Pepper

Garlic Powder

Onion Flakes

Parsley

Basil

White Vinegar

Mix well in a bowl, coat the chicken, saute in a cast iron skillet to brown on each side, finish cooking in an oven heated to 350-Degrees until cooked through.

Tonight we try, bread, cookies and biscuits – so I guess I need to get on it!

But first, I hit the grocery store today to shop for groceries for these meals:

Sun: Spaghetti (was yummy BTW)

Mon: Pot Roast

Tues: Stroganoff

Wed: Hot Dogs/Ham Sandwiches

Thurs: Leftovers

Fri: Pizza

Sat: Roast Chicken

Sub Total Spent: $44.37

WOW!!! I have a lot of items left over in the house from previous items, so I am re-using a lot of items…WOAH!

Today was a busy one for sure! We were super busy making three (3) different breads using two recipes!

Super Stoked about how they all came out!

First it was more bread for the house, of course, it was time for more sandwich bread to be made, so we made more! And using some of the dough from the initial recipe I posted a couple of days ago I made some cinnamon rolls.  I’ve been making cinnamon rolls with my Mom for Christmas every Black Friday for years so I just rolled the dough out, basted it with melted butter and then sprinkled cinnamon and sugar over it – rolled it up into a long form – then my son cut the roll up into pieces for rising and baking.  Check it out!

Looking forward to eating the cinnamon rolls for breakfast!

Then when the breads were done, we left the oven on and put together some Hot Dog rolls for dinner tonight, ML sent me her recipe for hot dog buns and it was super easy to make and then form them into rolls – my son handled the forming of the buns.  Less than 10-Mins later we had awesome rolls for tonight’s dinner!

 

The rolls were filling and made for a solid meal! I put ham steak on mine and ate it as a sandwich – I have some leftover for lunch tomorrow!!!

Was a very busy day, I am exhausted, but very pleased with what we did today!

Can’t wait to venture through tomorrow!

So to Speak…

I have so much in my brain right now – I’ve discussed where we’re at with the Mortgage and the van – and we have that underway.

The mortgage is in a holding pattern until the funds from our 401K arrive via Fed-Ex after it’s sent – the NCHFA has told us that we’ll have the funds forgiven after 10 years in the home – I really hope that we’re successful in paying the mortgage ourselves after their support runs out after 18-Months.

However, today I received the paperwork FINALLY from Wells Fargo to close my account – I sent an email to the HR Team of my previous employer requesting they complete the paperwork and send it back to Wells Fargo as soon as they can so I can get this money quickly.  So now we wait…as per usual.

Bonus, though today we got a call from DSS telling us we qualify for Family/Adult Medicaid through the State so we can get medical insurance.  YAY! My husband has been experiencing random low grade to somewhat highish fevers and I am really worried about him – BUT we’ve been unable to get him to the Dr’s to get it looked at.  And, he’s been unwilling to go to the hospital to get it looked at, and I understand that, ER’s are not clinics and not the place to go for medical attention.  So tomorrow, off we go to DSS to get this application in.

I was told today that another manager in my store is looking for someone Full-Time in two of her departments – she’d already offered me extra shifts and I am going to take them – however, my counter manager told me to talk to this other manager about getting a full-time position with her.  I am considering it because we could definitely use the money, and its looking like my future is bound within the walls of the store…for now at least as I am having a very hard time finding work outside of the store. Been looking for a couple of months now with no luck…so yup.

I am also considering undertaking a change in our diet – recently one of my favorite author’s has started on her blog a series of posts about Depression Era Eating and cooking.  She’s listed those items to store in bulk and now I am thinking about how to outfit our kitchen to accommodate bulk dry goods in my kitchen. (her initial post is here, Food Frugality in the New Depression) – it’s a 12′ x 12′ square with one wall of cabinets interspersed with my stove, sink, and refrigerator

The other side of the cabinets is the same, and on the 3rd wall is a steel dog crate for Sadie.  So now I have to get creative, maybe using some shelves and the real estate on the floor by the other wall on the other side of the kitchen next to the living room…

I think doing this would allow us to save some money at the grocery store – just because we’re on Food Stamps doesn’t mean we have to eat like crud – we can use those funds to pay for bulk items at the store and eat well. At least that’s my thought…what do you all think? If nothing else the money saved will be helpful in paying for other items.

One is Silver – we’re considering selling her, as much as it breaks my heart – we cannot continue to pay her monthly payment, the insurance and gas – we’d need another vehicle so possibly going back to a buy here – pay here place OR buying something for cash.  We won’t get what we owe Regional for her – I am aware of that – BUT the bigger picture is that her monthly payment ($540.00) plus the insurance ($272.00/mos) plus gas ($140.00) is just too much for us right now on my $9.00/hr income…so we have to determine if that’s a viable option…

Ok I think I’ve offloaded enough…

WOW Ok so I vanished for a little bit – sorry life’s been crazy lately…got let go from the project I was working on – and got placed onto another temp assignment through a different temp agency at a local government agency.  Sadly, this one is making $12.00/hr at 37.5 hrs/week vs. the $16.00/hr for 60.0 hrs/week I was working. Sucks, but hey it is what it is…thankfully we have some of them refund left to help live on, and we are…

So here’s the breakdown in spending over the last two weeks:

$180.00 – Regional Acceptance P1

$180.00 – Regional Acceptance P2

Total for Regional Acceptance: $360.00

 

$31.00 – Bourbon Street Cafe, Lunch

$20.33 – Cook-Out, Lunch

$8.56 – Starbucks, Coffee

$33.97 – Mission BBQ, Dinner

$52.97 – Gold’s Gym, Smoothie Card

$7.00 – Impact Nutrition

$2.77 – Gas Center, Energy Drink for Hubby

$48.00 – Bourbon Street, Breakfast

$30.00 – Papa John’s, Dinner

Total Dining: $234.60

$1.00 – Lanier Parking, Downtown Parking

$17.00 – Claire’s Boutique, Earrings

$80.00 – Cash, $60.00 – New Phone & $20.00- Groceries

$5.34 – Kitchen Collection, Candy Thermometer

$5.34 – Cellular Express, Phone Case

$3.20 – Amazon.com, Movie Rental

$3.20 – Amazon.com, Movie Rental

$218.27 – Target, $149.99 Samsung Tablet for Hubby, $49.99 – Replacement iPod for Lara (Mine was stolen while my van’s being repaired)

$5.70 – Target, $4.00 – Prescription for Lara, $1.70 – Bottle of Water

$143.00 – Additional Week Rental Car

Total Misc.: $476.71

$11.55 – Food Lion, Groceries

$6.41 – Food Lion, Groceries

$10.84 – Lowe’s Foods, Groceries

$8.57 – Everybody’s IGA, Groceries

$182.11 – Wal-Mart, Groceries

$11.41 – Harris Teeter, Groceries

$10.79 – Everybody’s IGA, Groceries

$19.40 – Costco, Groceries

$10.66 – Everybody’s IGA

$6.27 – Harris Teeter, Groceries

$149.51 – Wal-Mart, Groceries

Total Groceries: $416.11

 

 

$22.45 – Hobby Lobby, YTA Creations

$11.84 – Hobby Lobby, YTA Creations

$13.46 – Hobby Lobby, YTA Creations

$15.50 – SkipStitch.com, Blade for Rotary

Total YTA Creations: $66.25

Been a full few weeks for sure – I’ve picked up a Smartphone FINALLY for YTA Creations, it’s on my Dad’s family plan, so I have to be extra careful about the Data usage – doing all I can to avoid using it, and sticking to the available Wi-Fi networks when I can. So thus the $60.00 for a phone, a friend of a friend found a used phone for me to get activated, so then I had to pick-up a case to protect it.

Find YTA on Instagram, Click Here Find all of my wonderful finished projects and works in progress on this site!

Then the funds at Target – ugh went to get my stuff out of Silver on Friday from the dealership and found my iPod was MISSING – I am soo aggravated by that – it was in there when I got into the wreck – and when I left it with the tow company the 1st time – there was items moved around on the console when I went in and that was the 1st hint that something was “off”  I am going to file a claim with the insurance company on Monday to hopefully get reimbursed for it, but I feel so very violated.  So I purchased a replacement one at Target and then we bought my hubby a much-deserved Tablet – he’s been looking at them and researching them for a while and he does so much for us, I figured it was high time he got himself something. We bought him a Samsung Tab 4, with an Android operating system – he’s still very much learning how to use it and is getting royally frustrated, but he’ll get it eventually.

So that’s where we’re at currently – waiting for parts to arrive at the dealership for the repairs to begin, they are just cosmetic, thankfully no mechanical damage was done to the engine.

Thanks for Reading my novel!

 

 

 

Good Wednesday Afternoon All!

WOW Been a Busy Week for Sure! We’ve had some changes happening here.

1st I was let go from the project outage – hours being cut, so naturally I was an easy choice.

2nd I was placed on a new temp job paying $12.00/hr. – a LOT less than what I was making at the outage.

Just thankful we have the refund to help us some.

So here’s our breakdown for this week

$34.22 – Music & Arts

$19.99 – Gold’s Gym Membership

$8.55 – Netflix.com

Total Bills: $62.76

$7.46 – Hobby Lobby

$7.08 – Ship & Mail Plus

$11.04 – Wal-Mart

Total for Etsy Order #2: $14.54 + $11.04, Addt’l Yarn = $25.58 with a $22.00 Deposit for Order Rec’d 03.15.16

$11.07 – Food Lion

$9.04 – Everybody’s IGA

$5.26 – Everybody’s IGA

$23.71 – Harris Teeter

$167.72 – Wal-Mart

Total Groceries: $216.80

$11.11 – Target, Prescription + Misc.

$11.77 – Once Upon a Child – Kid Clothes

$33.54 – Once Upon a Child – Kid Cothes

$53.17 – Wal-Mart, Misc.

$24.85 – Murphy’s Oil, Gas

$6.17 – Tommy’, Cigs. for Hubby

$49.22 – Clothes Mentor, L – Work Clothes

$17.80 – Sunrise Express, Laundry

$5.00 – Dr. Robbie Adams, Co-Pay

$208.57 -NC Courts, Speeding Ticket

$2.00 – Parking Downtown

$10.00 – Nintendo Digital, Game for Kids

$343.00 – Hertz Rental Car (see below)

Total Misc.: $776.20

$4.82 – PCJ, Coffee

$7.00 – Impact Nutrition

$10.86 – Kilwin’s Ice Cream

$12.14 – Kilwin’s Ice Cream

$28.00 – Papa John’s

$9.04 – PCJ, Coffee

$7.00 – Impact Nutrition

Total Dining Out: $78.86

Ok so in the middle of the week we also received our State Tax Refund, $105.00, so that’s been added back into our budget.

Explanation for Hertz – I was involved in another wreck this morning – this time it was 100% my fault – filed the claim with the insurance and picked up a rental car at their rate so we can still get to work, the gym, scouts and the grocery store.  The cost listed is a $200.00 deposit hold on top of my cost – which for a week is $120.00 + taxes/fees, not terrible in truth.  Final amount will be determined once the repairs are done on Silver.

Anyhew, that’s about it from us this week! One more large bill due, the taxes on Silver so we can get the tags renewed.  That’ll be next week’s payout, think I’ve spent enough this week.

 

 

So it’s been 1 Week Since We’ve received our tax refund, it was deposited a week ago tomorrow.

So here’s how the spending went during week 1

Savings:

$500 – Savings

$25.00 – Kids’ Savings

Sat, 02/20 Spending:

$180.72 – Wal-Mart (Groceries)

$31.42 – Smithfields (Dinner, Sat)

$103.00 – Girl Scouts NC Coastal Pines (Ashley Camp Deposit)

Total Spent: $315.14

Sunday, 02/21 Spending :

Took Silver to the mall, Sears, to have her oil changed, tires checked & new wiper blades installed, ended up being stuck at the mall over lunch and ate at the food court – ugh the prices have gone up – NEVER again – the food isn’t worth the cost.

$92.91 – Sears (oil change, flat repair, and wiper blades for Silver)

$8.03 – Slice of Life (Ashley Lunch, Sun)

$9.61 – Charley’s Grill (Jimmy Lunch, Sun)

$8.43 – Ming Tree (Austin Lunch, Sun)

$6.41 – Baba Ghannouj (Lara Lunch, Sun)

Total Spent on Lunch: $32.48

$13.89 – Kitchen Collection (purchase of cast iron skillet handle cover to prevent future burns)

$30.41 – Hot Topic (Austin T-Shirt, repayed using his GC from his Birthday, didn’t have it on him & Golden Snitch Keychain for Lara, less than $9.00 purchase)

$63.11 – Yankee Candle Company (GP household purchase)

Other Purchase: $107.41

Total Spent: $139.89

$16.27 – Target (Lara & Jimmy prescriptions)

$202.00 – Progress Energy

 

Pending Bills being paid

These are bills I have scheduled that haven’t drafted.

$180.00 – Regional Acceptance – funds set aside for March Payment for Silver

$100.00 – Dad, repayment of Progress bill from Dec. & Payment of Tax Filing

$232.42 – State Farm, Auto Draft 02/28

Not terrible Week 1 – my paycheck was deposited in the midst of all of this as well, $686.75 – really annoyed that 55.0 hrs. of work was so low now that my insurance is being deducted.  So now I really know we have to very careful with our spending.  Focusing largely on the bills right now, making sure everything is up to date.  Though I know once this project is over we’re going to end-up behind once again – thus the reason for the savings, will transfer another $500 to our Merrill account next payday.

Speaking of the Merrill Account, the $500.00 I put was used to purchase 1 piece of Apple Stock – it’s a mutual fund/stock account – not sure how to distribute the rest of the funds so that the money can work for us vs. just sitting in cash – we already own 2 GE Stocks and 1 in Microsoft.  Thoughts?

Well that’s all from us for now! Will report back in next week with Week 2!  Time to be accountable again.

 

So man alive 2016 has been a chaotic one at best.

First Silver is Repo’d – thanks to all of the generous donations we received we were able to retrieve her from Repo, $2500 lighter, but she’s back and we’re able to get around town – most importantly, get me back and forth to work.

All the while this is happening our water is shut-off, ugh I cannot even begin to express my frustration there – then AT&T shut us off – the pendulum is swinging hard one way for sure.

So then almost as soon as we’re clear there, I go and burn my hand – yup – 2nd degree burns on two of my fingers on my right hand – one trip to the local ER and then a trip to the Burn Center and UNC Chapel Hill and I am on the road to recovery.  Had to take two days off last week, but alas I am healing.  I worked a whopping 25 hours last week – and with the new insurance draft I was paid a whopping $61.12! WooHoo!!

Now though in the midst of all of this we managed to collect our tax documents and get our taxes filed, Thanks Dad!

Right now we’re getting about $5700.  Not too bad.

So our plans are such:

$1,000 to savings right off the top

$400 for a new TV

$300 for our daughter to attend camp – might be less if I can get her another Campership Scholarship.

$500 -? for a new washer/dryer – I am getting tired of going to the laundrymat.

$200 to repay my Dad – he helped us with an electric bill before Christmas and then paying him for the tax filing.

The rest will go to bills and carrying us through – we may take a day to go to Jacksonville and have one dinner out, we’re not 100% sure quite yet.

I am hopeful we’re able to stay relatively stable through the end of the summer…that might be too much to ask though.