So, we all have that feeling when we are getting close to payday and we are running short on cash. Well, most people so anyway. I decided that I was going to try and see if I could enjoy a healthy lunch each day this week for a total of $10.00. I think this is 100% possible! Now, I haven’t been to the store yet so I could be wrong but I guess we shall find out. Right now I have the plan to buy the following items to keep at my ten dollar goal:
1.) 1 bunch of organic bananas
2.) 3 organic peppers
3.) 3 Hass avacados
4.) 1 Head of Dark Leafy Greens
5.) 5 Evol/Amy’s frozen burrito or wraps
I know that seems like a lot. I will be using at least one coupon in order to keep my cost down and I may change out the fruit depending on what is on sale.
I am one tired Mama today. I have had a long day at work and am ready to be DONE. That being said, I promised one last installment of my money organization series and I am happy to be here to share this with you today. I believe this is a testimony to share with people what I have been through and hope that it helps at least one person. I have made some large changes in my life in order to gain order in my financial life. Of course keeping organized and on top of things is one of those things but the way that I view money and what it’s intended to do in my life might be the biggest change of all. I have been blessed to have a second chance to do things differently than I had and I am not wasting it!
1.) I accept and acknowledge that my money is not my own, it belongs to God.
2.) Delayed gratification makes the things I get more sweet. When I can’t just swipe the plastic to get what I want right away, it makes it better when I do get it.
3.) I am being a role model for my children on how to handle the riches that you are given in this life.
4.) Life is 100% less stressful when you don’t owe people money, you have a backup plan and you don’t have so much stuff weighing you down.
5.) My life moving forward is going to be about experiences and people that I love not things that I want and don’t have.
I know that each day I am very blessed and I wish I could have learned the lesson without the heartache but apparently, I couldn’t. I know it now though. I love my little life and I am glad that my financial house is all in order and if we are ever faced with that type of challenge again, we will be ready for it.
I promised that I would check in yesterday to talk about what I do each day to save money and live like no one else. My day got away from me as it tends to do. So, here I am! Back with some more ideas and tips from someone who admits she is not a financial planner but has had good times and bad in her life and has lived to tell about it.
Once I set a budget up in Mint and with my credit union, it was really easy to see where my money was going. Mint even texts me when I am going over budget! Once I really saw where my money went I could see the excess in my spending. So, on a day-to-day basis I was over spending in two categories mainly. Those two categories are food and clothing. I think that once you figure out where you are overspending you really need to think about what is driving that spending. The motivators for me were laziness and anxiety. Let me tell you what I mean by that. The overspending on food was simply me being lazy. I didn’t prepare ahead for having something to eat at work, which led to me eating out most days and then it led to me gaining weight. Now, I plan ahead and having something planned to eat so that I don’t overspend OR overeat. Win, win!
Then, the clothes. I used to like to guy clothes when I was feeling anxious. I know that sounds crazy but I think a lot of people let shopping be a panacea for depression or anxiety. I know for some people there won’t be an easy solution to this but I can tell you what worked for me. I told my self I was just going on a clothing diet. I wouldn’t buy anything new for 90 days. That way I knew it wasn’t forever, only a little while until I could buy something again. It was a little difficult the first 90 days. I really wanted to keep up my spending habits when I had a bad day but I did it. I didn’t buy anything. And then I was proud of myself. I had done it! So then I challenged myself to another 90 days and another. Soon, not buying things was the norm instead of rushing out and buying stuff to make myself feel good. I even started to get rid of things and sell the nicer items online through Craigslist or Facebook. I was making just a little extra money and getting my life less complicated by getting rid of things.
Lastly, I will do the final installment of my money organization series and will tell you the major life choices that changed my financial life and got me on the right path that I am today.
I really believe that when we are organized in matters of money, we are going to let that spill over into the other areas of our life. My money life has long been disorganized. My parents were not the best teachers in the arena of finance. We lived in an area of town when I young where my friends had a lot more than we could afford. I think keeping up with the Jones’ kept my folks down. Scott’s folks were broke when he was young and so all he ever knew was that there wasn’t enough to go around. So when Scott and I started our lives living together we came from two different backgrounds but with the same outcome: we were better spenders than we were savers. Scott wanted to have the things that make life comfortable, things he didn’t have as a kid. I expected that I should have things even though we didn’t have much money when we started out. I knew that my parents had four kids and one income and didn’t much tell me or my sisters “no” so I wasn’t used to hearing no from myself or anyone else. So, while Scott was reining me in sometimes, we both weren’t great.
Flash forward to 2008….we had just bought a house that we could afford…..just barely. A few years on the other side of this, I have no idea what we were thinking. Our mortgage payment was almost $2000.00/month. Our payment on the house before that was $1200.00 We also had a $400.00/mo car payment, a student loan of mine and credit cards. Our house was older, it was going to need repairs in the few years coming up and we didn’t have a single cent left over each month. So, we certainly didn’t have savings for an emergency or to fix our house if something broke. And then it happened. Scott got laid off. For 5 months. Then, he took a job that wasn’t in the same field and he had to take a $10.00/hour pay cut. I was charging things on credit cards, we were hardly making the house payment and things were bad. Then we thought we were getting good news. Scott was offered an electrician job and we could finally get back to where we had been. He started that job and things seemed like they were going back to our old way of life. A month later he got laid off. He didn’t go back to work for 2 years. We lost our house. We somehow didn’t file for bankruptcy.
So, we are here in 2014. We are in a rent to own agreement to buy our house from our landlord. Our rent is only $1400.00/mo with an extra $200.00 toward our down payment. We are debt free except our cars and we have a few months worth of expenses saved. Our lives were rocked but it was just what I needed to get myself organized and as Dave Ramsey says “live like no one else, so I can later I can live like no one else”. In three years, I plan to be completely debt free except the house. In fifteen years, we are planning to be debt free. Period. And what do I do to keep myself organized on the money front? I use tools online to keep me super on track and organized.
Here are our tools and by tracking where my money goes, it can work for me.
1.) Mint.com I use this for budgeting, keeping track of my credit score and my debts, setting goals and seeing my net worth
2.) Creditkarma.com I use this for seeing all of my credit in one spot and tracking my credit score
3.) I bank at a local credit union and they have budgeting tools that I use on top of the Mint.com (what can I say, I got a little budget happy)
4.) Daveramsey.com I use this to work on the baby steps, get advice and to listen to the radio program and podcasts
And that’s it!
Tomorrow I will check in on the day to day things I do keep my budget organized.
As with most of my life, I do a whole lot better when I have a routine. I suppose most people are that way. I always figured it was part of my issues with anxiety that I loved stuff to be the same from day to day but as it turns out, I am not alone. Most people prefer a routine in their life.
There are many places a person can get help developing a routine. I really do like the overly simplistic way that the FlyLady sets about giving you a morning routine and night time routine. The before bed routine just so happens to be the habit of the month for September.
I have found that the reason that my day ends or begins on a bad note is because I didn’t bother to do what I was supposed to get ready. I don’t know where my stuff is, I don’t have mine or Emily’s lunches made nor is there anything in the house to make, I don’t know what I am wearing or where any clothes are and neither do the kids, I don’t have something to put my coffee in, E’s backpack is no where near ready (ie filled with stuff to be read signed, etc..). What about activities? When we don’t prepare I don’t know where her uniform is (for scouts) or her dance bag or I forget to take dance clothes to daycare so we have to run home and pick up clothes. Plus, if we don’t plan ahead then there isn’t anything to eat on those busy nights and on dance night we don’t get home until 7:30 pm and if Em doesn’t get a snack before then she will crash and burn. Plus, we learned a really valuable lesson about homework last year. When we didn’t have her do homework at daycare for the most part, she was much too tired to do it at home when we finished with dinner. There was always at the very least some fussing and at the most, total melt downs that resulted in crying and slammed bedroom doors. But, bringing the homework to daycare and explaining to her sitter what work needs to be done.
In order for me to live a life that doesn’t feel like a total exhausting mess, I had decided to work in some routines for the school year and I will share them with you now.
6:15 am Wake up
6:15-6:30 Make Coffee and Unload Dishwasher
6:30-6:50 Drink Coffee, Check Email/Facebook
6:50-7-15 Shower and Get Dressed, Wake Up Emily
7:15-7:30 Get Colin Up, Dressed, and in a new diaper
7:30-7:45 Hair and Makeup
7:50 pm gather kids’ stuff and hit the road
Before Bed Routine
7:00 Finish Dinner
7::00-7:30 Baths (Every other night)
7:30-8:00 Emily finishes getting ready for bed on her own, including prepping backpack, brushing teeth/combing hair and Scott or I feeds Colin
8:00 Lights out for littles
8:00-8:30 Mommy does dishes and then preps for the next day
Depending on how tired I am, I either go to bed then or I watch TV with Scott until 9:00 and then go to bed.
Now that what I own is “put away”, I think it is time to declutter. This will be a difficult for me to do one thing everyday but I can if I commit ( I think). I found this great challenge on the Pop Sugar website and I am diving in for September! What better way to bless the new school year and my family than to commit to a little bit every day. What about you? Want to do the challenge with me? I find that the less I have, the more things stay tidy. I really can’t wait!
My husband has been working so hard, every night to get all of our things moved from our old house to our new house. Each night, I come home with the kids and there he is, all sweaty and tired and moving things over to our new house. Meanwhile, I tried to start making dinner last night and he tried to tell me to sit down and he would make dinner. Really?! I can certainly make dinner and care for the children if I am not helping move anything anymore. He is such a dear sweet man and I love him. I don’t know how to make it up to him that he has had to work so hard. I guess I can try to kick it into high gear tonight and put a bunch of things away. This has been a stressful two weeks. I guess the other thing I can do is promise him that we won’t move again until we are old and gray. I make him move a lot. I get antsy but financially, moving is not the greatest so we need to stay put. I will be blessing my home tonight with some organizing and putting away. What did you to bless your home today?
We decided to move over the last weekend because we really needed to. We got some help in the form of a few friends with muscles and we moved the majority of the our things to the new house. I feel really good over there even though it is complete pandemonium!
I am going to post this house tour as a totally honest “before” picture. I would like to tell you that this isn’t what my house normally looks like and that it only looks like this because we just moved but that isn’t really the case. Although I am determined to turn over a new leaf in our new home, I have been known to be bit of a slob.
I am one of those who can’t have someone drop by because my house looks like a bomb went off unless it is 10:00 am on a Saturday and I just cleaned. I have started and stopped the Flylady system about 500 times trying to be better (yes Flylady, I am in CHAOS! Thanks for reminding me!)
I really do like a clean home and I love to bless my family this way. I am going to try to be better, one step at a time. May be time for Flylady try number 501. The habit of the month is laundry. Really? I have to do a load everyday? Not just 10 loads on Sunday? Oh alright….. At least August is almost over, I mostly won’t have time for that habit to take hold. Maybe we will just catch up with the September habit. 😉
What better way to confess to being a slob than with an audience right? I am linking up with others over at Keeping it Simple.
I can hardly believe it but it’s true. I am so excited to show pictures of it to you! I am truly amazed and if it weren’t the fact that I have these keys, I wouldn’t believe it is true. I guess it was in His plan after all. Just goes to show you that you really have no idea so it is best to just let go.
That being said, I have never been so happy to have a set of keys in my hand as I am this afternoon. Except maybe the other times I have purchased houses. I am going to move a few things over there just for the heck of it tonight. Because I can! My money says Scott will move the entire garage over there today, because he can. We have so much to do now. I am just glad that one of those things isn’t changing the name of the blog because we aren’t living on Mills Landing any longer!