Friday, October 30, 2015

I'm Financially Boring

Financially speaking, I have nothing going on.  I'm not paying off debt nor am I investing in interesting dividend stocks.  I've reached financial boredom.  I've seen it happen with many personal finance bloggers when they get out of debt.  I didn't think I would struggle to find my place financially because we had big plans.  We planned on saving money, both for retirement and otherwise.

Where do we go from here?  Do I start socking away all money I can with the hopes of quitting our jobs early?  That sounds attractive.  Do we live on as little as possible to prove a point?  That doesn't sound like my cup of tea unless the point is homesteading.  Do we spend willy nilly on stuff?  Probably not but I would like a new four-wheeler.  Do we focus on travelling?  Um, we have a toddler and limited time off, probably not going to really happen.
That leaves us with a ho hum attitude financially.  I have a lofty savings goal for next year so I'm hoping that will energize us.

Anybody else struggling with this?  What did you do?

Side note:  I'm extremely grateful to be in this position.  It has taken loads of hard work and good health to get here.

Sunday, October 25, 2015

Sunday Funday

It's been a super busy day today.  Lil Punk and I made pumpkin spice muffins this morning and brought then to a couple if our neighbors.  One neighbor was the one who had twins about a month ago.  I held one little baby and wished I was having another one.  They were so precious when we were there.  The other neighbor that we gave muffins to was the one who gave us more pumpkins.  She was very grateful and raved about them.  It was nice to do something for somebody who always goes out of her way to be kind and giving to everyone.

We also cleaned out our pumpkins in preparation for carving them.  I saved the seeds to roast and Y said he would take care of that.  We love roasted pumpkin seeds.

I'm now at Lil Punk's figure skating practice and she's almost done.  It's only the second practice this year and I can already tell an improvement.  Gotta go!  Have a wonderful week!

Tuesday, October 13, 2015

Challenge Update

I finished the $21 challenge last week.  I bought milk and bananas.  I don't have an exact but it was pretty close to the $21.  It wasn't that bad for one week.  I do keep a well stocked freezer and pantry so it forced me to make more meals from scratch which is always a good thing.  Plus, I don't think my kids even noticed.  My husband only noticed because I told him what we were doing.  Overall, it was pretty painless.  I actually think that I'm going to incorporate this challenge monthly.  I did go grocery shopping lar Friday for this week.  I spent about $100 so nothing out of the ordinary for this week.

I did get a new credit card.  I opened the Chase Sapphire Preferred card.  I will get 40,000 bonus points after spending $3000 in the first 3 months.  I'm hoping to use those points to book our hotel in Playa del Carmen.  I booked our flight a couple weeks back using my current credit card miles.  Y and I have never been to Mexico so we're super stoked.  If I could pull off using the credit card bonus points for the hotel, that would be awesome.  That would be the second year in a row that we had a vacation paid for exclusively with credit card bonuses.  Since we've never paid interest on a credit card, we're way ahead of the game.

Our spending is way down this month, largely due to the grocery challenge and staying home on the weekends.  Now we just need to keep this up for the rest of the month :)

Sunday, October 4, 2015

Challenge Update--The Shopping

I knew I needed to pick up a few items.  I stopped Friday after work and this is what I bought.

Sour cream 1.68
2 avocados .70
5 pounds of green grapes 5.03
Lays potato chips 2.50
Honeydew 1.50
Bananas 1.28
2 liter of generic soda .84
Cheddar cheese 2.47

Total of 16.06 for a remaining balance of 4.94

I needed the chips and sour cream for the dip and chips to bring to my friend's party.  The soda is a weakness of mine.  I lucked out on getting the grapes for $1 a pound.  I need to buy milk tomorrow as we will only have enough for breakfast.

Friday evening we had the crock pot chili I had made the day before.  I made pancakes from scratch on Saturday morning.  For lunch, the kids had tomato soup and fruit.  I had a salad.  I made vegetable beef soup from scratch on Saturday before we went to the party.  I knew there would be food but I also knew it would be a long time.  Thank goodness as we didn't eat until around 7:30 so we just had a snack at that point.  We had a light breakfast of fruit this morning and an early lunch of boiled eggs and pasta salad with peas and tomatoes.  We had nachos during the game and I made a pizza roll from scratch for dinner.

The one constant is that most meals are made from scratch.  I usually cook that way but I also plan for hectic nights with easier meals.

I will go over tomorrow with buying the fruit for my work breakfast but I'm okay with that.

Thursday, October 1, 2015

Challenge Update

So far, we've spent nothing for groceries this week (my weeks run from when we get paid so it started yesterday).  Yesterday, we had leftovers and canned peaches for dinner.  Tonight we had a hodge podge for dinner, Mac n cheese and rice with veggies.  I made chili tonight that will go in the crock pot for tomorrow's dinner.  I don't think I've ever blogged about this but my secret to making crock pot meals during the week is a plugin timer.  If I start the crock pot right away in the morning, it is too long for most meals.  I plug it into the timer and set the timer to start around noon or whatever time I like.  This has greatly increased my use of the crock pot during the week.

For my neighbor and friend who just had the twins, I'm going to make a cheesy hamburger potato casserole. I have everything for it already and I think it will be easy for them to reheat at their convenience.  For my friend's birthday, I'm going to make bacon Bacon dip which I will need sour cream for and maybe chocolate chip bars which I think I have everything for.  I've made the dip before and she raved about it so it's fitting that I would bring it to her party.

I will need to buy fruit and milk this weekend.  That will pretty much exhaust the $21.

I did decide that its highly unlikely that I will be able to succeed at this challenge and include the money for the fruit for my work event.  I'm okay with that.  I'm obligated to participate in that because of my role at work and I do make a good income that comes with certain obligations.

I also talked to my very good friend in real life and she said she is going to do the same thing.  Like us, they do well but she is always looking for ways to save money.