Tuesday, February 26, 2013
article
great article about eating meat:
http://www.habitatforhorses.org/the-horse-meat-scandals-reveal-we-are-more-psychologically-screwed-up-than-we-realized-about-eating-animals/
Sunday, February 24, 2013
Remaining meal ideas
Our meal options are running low:
Pasta with peppers and onions in garlic creme sauce with beer bread
Tacos with beans/vegetarian mean crumbles or nachoes
biscuits and mushrooms/avocodo and cheese sandwiches
pear and spinach salad
soup
potatoes and carrots and black beans? in crock pot
Breakfast:
hashbrowns
waffles
greek yogart
Snacks;
popcorn
apple with carmal sauce
chips and dip
chocolate covered bananas
ice cream
veggie straws
can make
make chocolate chip cookies
chocolate muffins
rasberry and spinach smothie
Saturday, February 23, 2013
Week Goals
Run/walk 3 times this week starting today- 3 miles a time
Spend at least 5 days (15 minutes a time) organizing/deep cleaning something not normally cleaned
2/23- ran/walked 3 miles outside this morning= took about 42 minutes
2/24- ran 3 miles outide- about 31 minutes (left knee hurt last mile)
2/25- ran/walked 3 miles outside about 33 minutes (left knee hurt a little but on a couple of downhills at end but much less then yesterday)
2/26 3miles in about 33 mins
2/27 shoveled snow for like 6 hours- joys of having plow business is a good workout
2/28 3 miles on treadmill 30:44 did it in interval form mostly 2 minutes on 8:44 pace and 2 minutes of walking at 4mph pace. Felt decently good during except for like I was going throw up briefly in the middle but when I stopped got stomach.
Spend at least 5 days (15 minutes a time) organizing/deep cleaning something not normally cleaned
2/23- ran/walked 3 miles outside this morning= took about 42 minutes
2/24- ran 3 miles outide- about 31 minutes (left knee hurt last mile)
2/25- ran/walked 3 miles outside about 33 minutes (left knee hurt a little but on a couple of downhills at end but much less then yesterday)
2/26 3miles in about 33 mins
2/27 shoveled snow for like 6 hours- joys of having plow business is a good workout
2/28 3 miles on treadmill 30:44 did it in interval form mostly 2 minutes on 8:44 pace and 2 minutes of walking at 4mph pace. Felt decently good during except for like I was going throw up briefly in the middle but when I stopped got stomach.
Wednesday, February 20, 2013
asian noodle salad recipe I want to try in the summer
Posting this recipe on here so I remember it for the summer when we have a ton of freshly grown vegetables.
http://thepioneerwoman.com/cooking/2008/03/my_most_favorite_salad_ever_ever_ever_ever/#comments
http://thepioneerwoman.com/cooking/2008/03/my_most_favorite_salad_ever_ever_ever_ever/#comments
update on working on saving money goals
Things we need to work on:
not eating out so much- been doing good at this in February got to keep it up, not only because it is bad for our budget it is also bad for our waistline, although I do enjoy going out to eat at a reasonable priced restaurant sometimes- so am not going going to cut out restaurants all together
gas for car/truck consumption- I have been using very little gas in my car- only have filled up my car twice so far this year however, we usually take the husbands truck when we go out- I have been making sure to group my errands together, the husband stills goes "into town" as he calls it a lot when I feel like he could cut back and group more of his errands together- having a hard time making him do this.
using our woodstove more- the first year we had it was running almost constantly in the winter- we have been okay about this- but not great- its is running about 60 percent of the time and I have been making an effort to make sure we have wood brought in however sometimes we both get lazy about it and we have skipped a couple of days, plus sometimes it goes out at night and we don't get it started again right away in the morning.
turning off lights/appliances to save on electricity more- although I have been making a conscious effort to turn off lights when I leave the room- they still sometimes end up being left on and I noticed the husband had the heat running in the basement when he wasn't down there(very annoyed about that one), plus it seems like the heat in the office gets left on often and I have to turn it down because the husband forgets- so need to work on this.
more couponing- not much couponing this month, instead shopping at the discount store that doesn't take coupons- however need to do this to build up the stockpile of tooth paste, shampoo, razors, etc so we are not having to pay full price for these items.
not letting food go to waste in fridge- have been doing pretty good about this-- haven't had to throw out much.
not eating out so much- been doing good at this in February got to keep it up, not only because it is bad for our budget it is also bad for our waistline, although I do enjoy going out to eat at a reasonable priced restaurant sometimes- so am not going going to cut out restaurants all together
gas for car/truck consumption- I have been using very little gas in my car- only have filled up my car twice so far this year however, we usually take the husbands truck when we go out- I have been making sure to group my errands together, the husband stills goes "into town" as he calls it a lot when I feel like he could cut back and group more of his errands together- having a hard time making him do this.
using our woodstove more- the first year we had it was running almost constantly in the winter- we have been okay about this- but not great- its is running about 60 percent of the time and I have been making an effort to make sure we have wood brought in however sometimes we both get lazy about it and we have skipped a couple of days, plus sometimes it goes out at night and we don't get it started again right away in the morning.
turning off lights/appliances to save on electricity more- although I have been making a conscious effort to turn off lights when I leave the room- they still sometimes end up being left on and I noticed the husband had the heat running in the basement when he wasn't down there(very annoyed about that one), plus it seems like the heat in the office gets left on often and I have to turn it down because the husband forgets- so need to work on this.
more couponing- not much couponing this month, instead shopping at the discount store that doesn't take coupons- however need to do this to build up the stockpile of tooth paste, shampoo, razors, etc so we are not having to pay full price for these items.
not letting food go to waste in fridge- have been doing pretty good about this-- haven't had to throw out much.
update on food budget
After last months ridiculous amount spent on food/eating out/drinks ($620!). We have been doing much better this month. There is only 8 days left in the month and I shouldn't have to grocery shop again this month and we have spent around 300 dollars so far. My goal is to stay under 400 dollars every month. I do plan on going out to lunch on Friday since we are going on a drive to look at some things and I like to use the entertainment books b1g1 free coupons for restaurants in new towns. However tomorrow we are having another couple over for dinner instead of going out to eat, also we have been eating in a ton more and I have been cooking a lot of easy meals, however I have also been buying a lot less frozen meals and instead making things with a lot more vegetables and fruits. I did a lot of shopping at the discount grocery store this month, I did not use many coupons this month because there were not many good coupon match-ups of things I wanted to eat. For Valentine day we used our fondu pot to make cheese fondu and chocolate fondu.
Sunday, February 17, 2013
Lunch/coffee money
"A new survey found that 66% of U.S. workers buy lunch regularly -- spending on average $37 a week, and half buy coffee at work, at a cost of more than $20 a week" (http://money.msn.com/saving-money-tips/post.aspx?post=a4bfe6f5-2fc2-4955-8765-089ae1c1c88d)
So if we take the 57 dollars times 2 (husband and me)= 114 dollars saved a week times 52 weeks = 5928 dollars a year saved. However since I know never going out to lunch is not going to happen, luckily we aren't coffee drinkers so that won't be to hard so say save 100 dollars a week times 52 weeks that is 5200 dollars to invest in 25 years we will have 410,000 dollars based on getting 8 percent interest rate for retirement or a vacation home. So I am going to try to keep track of how much we spend on Lunch/coffee and invest what we don't spend. The husband buys lunch out a lot in the in season so basically April thru December, I am much better about only buying lunch on occasion. We will see how it goes.Since I don't know how much we spent last year on these items I don't know how much we are actually saving by cutting back (plus if you don't eat out you have to eat at home which does cost some more money in the grocery bill), however if many people spend money on coffee, lunches (not to mention going to bars, cigarretes) I figure we can save at least what many other people spend on these items. A single friend recently told me he sometimes drops 120 dollars in the weekend at the bar! He has an average salary.
By the way a great book to read is "Smart Couples Finish Rich" which explains how little purchases can make a huge difference in your finances. I guess I better stop the target trips!
I finally got the husband to setup automatic withdraws to fund his Roth IRA and I am funding mine as well, so we are starting to do better about saving for retirement.
Week 1 February 17-23
Starting: 114 dollars
spent: 3.50 lunch me: left 110.50
spent: 1 drink husband: 109.50
spent: 15 lunch out with husband: 94.40
Left at end of week 1: 94:50
So if we take the 57 dollars times 2 (husband and me)= 114 dollars saved a week times 52 weeks = 5928 dollars a year saved. However since I know never going out to lunch is not going to happen, luckily we aren't coffee drinkers so that won't be to hard so say save 100 dollars a week times 52 weeks that is 5200 dollars to invest in 25 years we will have 410,000 dollars based on getting 8 percent interest rate for retirement or a vacation home. So I am going to try to keep track of how much we spend on Lunch/coffee and invest what we don't spend. The husband buys lunch out a lot in the in season so basically April thru December, I am much better about only buying lunch on occasion. We will see how it goes.Since I don't know how much we spent last year on these items I don't know how much we are actually saving by cutting back (plus if you don't eat out you have to eat at home which does cost some more money in the grocery bill), however if many people spend money on coffee, lunches (not to mention going to bars, cigarretes) I figure we can save at least what many other people spend on these items. A single friend recently told me he sometimes drops 120 dollars in the weekend at the bar! He has an average salary.
By the way a great book to read is "Smart Couples Finish Rich" which explains how little purchases can make a huge difference in your finances. I guess I better stop the target trips!
I finally got the husband to setup automatic withdraws to fund his Roth IRA and I am funding mine as well, so we are starting to do better about saving for retirement.
Week 1 February 17-23
Starting: 114 dollars
spent: 3.50 lunch me: left 110.50
spent: 1 drink husband: 109.50
spent: 15 lunch out with husband: 94.40
Left at end of week 1: 94:50
Target Clearance Weakness
Monday, February 11, 2013
Long Overdue January Budget Summary
January Budget Summary
Misc face wash/pregnancy tests: 13
Husband Personal Fund Husband toolbox: Husband storage for his man cave and hobbies/clothes: 1170
Home Renovation (storage shelf for garage/tile saw): 135
Gas me: 75
My Personal Fund:clothes46/Home décor 62/makeup27): 135-50(sold stuff on craigslist)= $85
Food: 620
Total spent on non-fixed costs: $2213
So overall the food budget was horrible and the husband spent a ton of money from his personal fund otherwise we did pretty good.
Sunday, February 10, 2013
furniture deals
brought 4 of the barstools above (not a picture of our kitchen) for 25 dollars each for the husbands bar area- found them on Craigslist- figure they would cost at least 60 dollars each new and they are in excellent condition. The console table in the picture I brought with a 200 dollar gift card I won from furniture store for liking them on facebook. I also got 10 percent off for buying floor model, it was on sale and no sales tax because of their promotion, so paid 104 dollars for it. So we spent quite a bit on furniture today, but got good deals.
Friday, February 8, 2013
Vacation Money... where it comes from
I am not a big vacation fan. I prob would be happy going away only once every couple years if not at all. My husband said he didn't care about vacations a couple of years ago, but now is starting to like going on them and tries to get me to go on more.
I would much whether spend money on other things then vacation, however I do know they say you are happier spending money on experiences then things so we are starting to go on more. My husband owes a landscape business, therefore he buys a lot of materials for jobs that go on his credit card (which we pay off every month... except for one car which has a 0 percent interest rate with about 6,500 on it that we are keeping on a balance on right now since we are not paying interest) The credit card gives him 1 percent back in reward money on all his purchases, because he spends a very large amount for his clients we get quite a bit of reward money, which I now consider our vacation fund. So we have about 2,000? dollars maybe a year to go on vacation and I try to put it all towards vacations instead of things. Therefore I don't feel that guilty about spending money on vacations, it also allows us to budget for vacations, although I do believe we are going be slightly over our allotted amount this year.
I would much whether spend money on other things then vacation, however I do know they say you are happier spending money on experiences then things so we are starting to go on more. My husband owes a landscape business, therefore he buys a lot of materials for jobs that go on his credit card (which we pay off every month... except for one car which has a 0 percent interest rate with about 6,500 on it that we are keeping on a balance on right now since we are not paying interest) The credit card gives him 1 percent back in reward money on all his purchases, because he spends a very large amount for his clients we get quite a bit of reward money, which I now consider our vacation fund. So we have about 2,000? dollars maybe a year to go on vacation and I try to put it all towards vacations instead of things. Therefore I don't feel that guilty about spending money on vacations, it also allows us to budget for vacations, although I do believe we are going be slightly over our allotted amount this year.
february spending
gas for car: 62 dollars
grocery: 17
puppy gift 5
shirt $4
can return -6
subway 19
retirement present for dad 120 (more then we would normally spend, but got him a greenhouse so might benefit us to if he can get the seeds started in there instead of planting from brought plants)
seeds 10
wood holder for our woodstove 25 (Clearance find down from 50 and have been wanting one of these to hold wood so we don't have to go outside as much to get keep grabbing pieces)
house projects bathroom and bar: $88
furniture:
console table: $104
4 bar stools: $100
food (moe's, convenience store, deli (used buy one get one free coupon): $40
convience store coffee and roll: 2.50
pizza 7
flowers husband brought me (I personally think flowers are a waste of money unless we by the 50 cent ones from the farmer a couple streets over in the summer- but nice thought): 10 dollars
husband movie:12 dollars
Hair cut for husband (finally got him to cut it!): 20 dollars
3 pairs of underwear because our dog keeps eating mine: 7 dollars
computer monitor got better one 100
grocery store 120 (about half was from discount store and used coupons at other store saved 16)
coupons purchase 10
husband: bar top for his mancave 125 25 from his personal account 100 is coming from renovation
dog food 23 and new battery for his elecrtric fence 23: 46o
husband brough a sub (6) and went to movies (12)
tolls: 4.80
gas for husbands trip: 80
food husband on trip: 20
target trip: 73 (home stuff- curtains, duvet, picture and stockings (8))
eating out with friend: 3:50 (used coupon and got water instead of a drink =-))
food convenience store drink and doughnut 2 dollars
tools (335 will go into business fund once he recoups the cost from the project he brought them for that will make him money but for now it comes out of personal fund in case he doesn't make the money back)
paint for bedroom on opps rack (it is the same color we have in our master bath- can't believe the luck of finding it on the opps rack since i have been wanting to paint the bedroom a similar color, plus it is low VOC) $5
jet tub for bathroom $100 (okay so def not something we needed right now however we are going to eventually redo our middle bathroom which is orginal to the house 60's but not this year maybe next maybe not however it was a 700 jetted custom order tub that had a 6 inch scrape down one side that the husband can fix with the repairs kits we brought for it so we will store it until we do that bathroom since we will not find that good of a deal again.
tub repair kits 2 of them: 35
discount grocery: 30
target grocery: 31
paint rollers: 10
painters tape 4
drink 1
restaurant with friends 12 (used restaurant.com certificate)
roller skating 17
gas 66
made 8 dollqrs by selling old clothes on facebook
20 store for outside house (prob could have found much cheaper however haven't seen one in any of stores around here and found on in cute country shop we went to lunch at- plus I was supporting local business)
15- lunch out (used B1G1 entertainment book coupon to try out a new place
15- Computer game points husband
grocery store: 80
budget
Total food:406
Total Gas: 128
Gifts: 124
Farm: 10
flowers and movie tickets plus 22 + + 100 upgrade to computer monitor +25 bar top + 8.50 movie + 426 tools + roller skating 7 + 15 computer game points +230 extra for new welder (husbands personal fund): 832.50
(my personal fund): 7 clothes plus 129 from furniture + 100 bar stools+66 home decorating stuff from target +8 stockings + 5 dollar paint + 4 painters tape +10 roller skating + made 8 on craigslist selling clothes +20 dollar star for outside house= 340
House projects:333
dog food and battery for colar: 46
husbands weekend trip gas and tolls to visit cousin: 85
fireplace gas 7
Business expenses (only recording some to see if anywhere we can cut back):
car wash for husbands truck to get salt off from salting last week: 7
husbands truck wheel hub or something or another that had to be fixed and tire alignment: 400
computer monitor: 130 dollars- husband claims it is a business expense- I have mixed feelings on thi, since we already have a computer monitor but he wanted two, to be able to use 2 screens when playing video games. He claims it will make it easier me to do paperwork to have multiple screens open at once,,, emails, quickbooks, neatworks, word documents,,, we will see. We are only at 46 dollars for food so far this month! (not counting the vacation food- keeping that in the separate vacation fund)
I will keep updating this post instead of writing news one like last month because easier to have all our spending on one page. (Still haven't gotten around to adding up all the January total spending except for the food)
grocery: 17
puppy gift 5
shirt $4
can return -6
subway 19
retirement present for dad 120 (more then we would normally spend, but got him a greenhouse so might benefit us to if he can get the seeds started in there instead of planting from brought plants)
seeds 10
wood holder for our woodstove 25 (Clearance find down from 50 and have been wanting one of these to hold wood so we don't have to go outside as much to get keep grabbing pieces)
house projects bathroom and bar: $88
furniture:
console table: $104
4 bar stools: $100
food (moe's, convenience store, deli (used buy one get one free coupon): $40
convience store coffee and roll: 2.50
pizza 7
flowers husband brought me (I personally think flowers are a waste of money unless we by the 50 cent ones from the farmer a couple streets over in the summer- but nice thought): 10 dollars
husband movie:12 dollars
Hair cut for husband (finally got him to cut it!): 20 dollars
3 pairs of underwear because our dog keeps eating mine: 7 dollars
computer monitor got better one 100
grocery store 120 (about half was from discount store and used coupons at other store saved 16)
coupons purchase 10
husband: bar top for his mancave 125 25 from his personal account 100 is coming from renovation
dog food 23 and new battery for his elecrtric fence 23: 46o
husband brough a sub (6) and went to movies (12)
tolls: 4.80
gas for husbands trip: 80
food husband on trip: 20
target trip: 73 (home stuff- curtains, duvet, picture and stockings (8))
eating out with friend: 3:50 (used coupon and got water instead of a drink =-))
food convenience store drink and doughnut 2 dollars
tools (335 will go into business fund once he recoups the cost from the project he brought them for that will make him money but for now it comes out of personal fund in case he doesn't make the money back)
paint for bedroom on opps rack (it is the same color we have in our master bath- can't believe the luck of finding it on the opps rack since i have been wanting to paint the bedroom a similar color, plus it is low VOC) $5
jet tub for bathroom $100 (okay so def not something we needed right now however we are going to eventually redo our middle bathroom which is orginal to the house 60's but not this year maybe next maybe not however it was a 700 jetted custom order tub that had a 6 inch scrape down one side that the husband can fix with the repairs kits we brought for it so we will store it until we do that bathroom since we will not find that good of a deal again.
tub repair kits 2 of them: 35
discount grocery: 30
target grocery: 31
paint rollers: 10
painters tape 4
drink 1
restaurant with friends 12 (used restaurant.com certificate)
roller skating 17
gas 66
made 8 dollqrs by selling old clothes on facebook
20 store for outside house (prob could have found much cheaper however haven't seen one in any of stores around here and found on in cute country shop we went to lunch at- plus I was supporting local business)
15- lunch out (used B1G1 entertainment book coupon to try out a new place
15- Computer game points husband
grocery store: 80
budget
Total food:406
Total Gas: 128
Gifts: 124
Farm: 10
flowers and movie tickets plus 22 + + 100 upgrade to computer monitor +25 bar top + 8.50 movie + 426 tools + roller skating 7 + 15 computer game points +230 extra for new welder (husbands personal fund): 832.50
(my personal fund): 7 clothes plus 129 from furniture + 100 bar stools+66 home decorating stuff from target +8 stockings + 5 dollar paint + 4 painters tape +10 roller skating + made 8 on craigslist selling clothes +20 dollar star for outside house= 340
House projects:333
dog food and battery for colar: 46
husbands weekend trip gas and tolls to visit cousin: 85
fireplace gas 7
Business expenses (only recording some to see if anywhere we can cut back):
car wash for husbands truck to get salt off from salting last week: 7
husbands truck wheel hub or something or another that had to be fixed and tire alignment: 400
computer monitor: 130 dollars- husband claims it is a business expense- I have mixed feelings on thi, since we already have a computer monitor but he wanted two, to be able to use 2 screens when playing video games. He claims it will make it easier me to do paperwork to have multiple screens open at once,,, emails, quickbooks, neatworks, word documents,,, we will see. We are only at 46 dollars for food so far this month! (not counting the vacation food- keeping that in the separate vacation fund)
I will keep updating this post instead of writing news one like last month because easier to have all our spending on one page. (Still haven't gotten around to adding up all the January total spending except for the food)
Monday, February 4, 2013
ways we save money/ things to work on
1. we heat our house by wood- we have a wood stove- the husband gets the wood for free since he is a landscaper from clients, etc and he makes it into firewood size pieces- we hae the woodstove running about 60 percent of the time which does a pretty good job of heating the whole house. We also have 3 zones which allows us to only turn up the heat in the zone we are in the other zones are set to stay at about 56 degrees.
2. I drive a 14 year old car- never had different car- although this may have to change when we have kids since it is a 2 door
3. Husband only buys used trucks for himself/business
4. We shopped around for truck insurance to get best rate
5. Couponing- haven't brought shampoo in prob about a year
6. rarely use paper towels- use washable dishclothes instead
7, husband does almost all our home renovations himself , i usually find good deals on materials, we use 10 percent off coupon from lowes all the time( unfort they discontinued this), Often look on the 5 dollar opps rack to find paint.
8, we both don't drink coffee, rarely buy drinks out (however husband does have kegerator he buys about 2 kegs for annually for parties/gatherings)
9. We haven't taken out any interest debt for a long time (a couple of years at least) we do have a small amount of debt for the business about 8,000 but is all on zero interest loans/credit card- all our business trucks and everything else is paid in full except for our mortgages, which have a low interest rate of 5 percent or under.
10. E-mail many of our clients their bills to save on stamps/paper
11. never went on vacations before this past year and half however now husband loves them- however we have been only going on vacations that are partially paid for by seeing a timeshare- i personally wouldn't want to go on more then 1 vacation a year- unfort the husband doesn't agree
12. 75 percent or more of our furniture is used the rest were bargains/clearance items
13. almost all our clothes are brought on clearance
14. almost all my home decor/decoration items are clearance items/ hand me downs from grandmas- antiques and such
15. all our china for dining room is grandmas hand me down
16. brought a 250 dollar treadmill for walmart to run on when too cold outside instead of joining a gym
17. I trim my own hair and haven't gotten a hair cut in a couple of years. Partly because they always cut off too much and partly because I think it is a waste of money to go every 2 months- although I do need to go eventually to get it layered some.
18. The husband only gets his hair cut about 3 times a year- partly because he likes it long, partly because he is lazy. I used to cut his hair but he doesn't trust me to do it that much. I like his hair to be neat so would prefer for him to go a little more often.
19. I don't get manicures/pedicures- besides thinking they are a waste of money I worry about the equipment they use (I am a little bit of germaphobe)
20. Husband takes garbage to dump instead of paying for garbage service
21. annual garage sale? Okay not annual yet however last year friend and I had one and we plan on having one again this year- although not sure I am going to have a ton to sell. However it keeps the house clutter free (okay not completly clutter free but better then it would be) and makes a little bit of money. I also sell stuff we no longer need/use on craigslist.
Things we need to work on:
not eating out so much
gas for car/truck consumption
using our woodstove more- the first year we had it was running almost constantly in the winter
turning off lights/appliances to save on electricity more
more couponing
not letting food go to waste in fridge
2. I drive a 14 year old car- never had different car- although this may have to change when we have kids since it is a 2 door
3. Husband only buys used trucks for himself/business
4. We shopped around for truck insurance to get best rate
5. Couponing- haven't brought shampoo in prob about a year
6. rarely use paper towels- use washable dishclothes instead
7, husband does almost all our home renovations himself , i usually find good deals on materials, we use 10 percent off coupon from lowes all the time( unfort they discontinued this), Often look on the 5 dollar opps rack to find paint.
8, we both don't drink coffee, rarely buy drinks out (however husband does have kegerator he buys about 2 kegs for annually for parties/gatherings)
9. We haven't taken out any interest debt for a long time (a couple of years at least) we do have a small amount of debt for the business about 8,000 but is all on zero interest loans/credit card- all our business trucks and everything else is paid in full except for our mortgages, which have a low interest rate of 5 percent or under.
10. E-mail many of our clients their bills to save on stamps/paper
11. never went on vacations before this past year and half however now husband loves them- however we have been only going on vacations that are partially paid for by seeing a timeshare- i personally wouldn't want to go on more then 1 vacation a year- unfort the husband doesn't agree
12. 75 percent or more of our furniture is used the rest were bargains/clearance items
13. almost all our clothes are brought on clearance
14. almost all my home decor/decoration items are clearance items/ hand me downs from grandmas- antiques and such
15. all our china for dining room is grandmas hand me down
16. brought a 250 dollar treadmill for walmart to run on when too cold outside instead of joining a gym
17. I trim my own hair and haven't gotten a hair cut in a couple of years. Partly because they always cut off too much and partly because I think it is a waste of money to go every 2 months- although I do need to go eventually to get it layered some.
18. The husband only gets his hair cut about 3 times a year- partly because he likes it long, partly because he is lazy. I used to cut his hair but he doesn't trust me to do it that much. I like his hair to be neat so would prefer for him to go a little more often.
19. I don't get manicures/pedicures- besides thinking they are a waste of money I worry about the equipment they use (I am a little bit of germaphobe)
20. Husband takes garbage to dump instead of paying for garbage service
21. annual garage sale? Okay not annual yet however last year friend and I had one and we plan on having one again this year- although not sure I am going to have a ton to sell. However it keeps the house clutter free (okay not completly clutter free but better then it would be) and makes a little bit of money. I also sell stuff we no longer need/use on craigslist.
Things we need to work on:
not eating out so much
gas for car/truck consumption
using our woodstove more- the first year we had it was running almost constantly in the winter
turning off lights/appliances to save on electricity more
more couponing
not letting food go to waste in fridge
budget- january updated and final food cost no including vacation
51 dollars shop rite saved 125 by couponing
18 dollars grocery store
8 dollars stewarts
11 mcdonalds
31 saved 100 by couponing
13 grocery store
food budget: 478
18 husband spent at pizza hut and 32 on buffalo wild wings
total food budget for month of January: 610
40 bassinet from neighbor
computer 900: business expense (we have home office for business and our computer kept on having issues) but 100 dollars added to husbands personal fund for the little extra he spent to get better model for gaming
18 dollars grocery store
8 dollars stewarts
11 mcdonalds
31 saved 100 by couponing
13 grocery store
food budget: 478
18 husband spent at pizza hut and 32 on buffalo wild wings
total food budget for month of January: 610
40 bassinet from neighbor
computer 900: business expense (we have home office for business and our computer kept on having issues) but 100 dollars added to husbands personal fund for the little extra he spent to get better model for gaming
Vacation spending
Orlando Trip left Wednesday night got back Sunday night so 4 nights 4 days.
Spent 225 last spring for 6 nights in floridly if saw time share
640 both plane tickets and car rental
25 airport food
17 breakfast
16 lunch
dinner 25
grocery 13
friday
no breakfast cost
lunch and dinner 43
saturday
breakfast and lunch 16
dinner 53
sunday
breakfast 10
lunch park food 20
airport 17
walmart gum and headphones : 10
craig movie 8
park tickets:310
gas: 44
taxes: 19
-185 check for seeing timeshare
resort was free for seeing timeshare (paid 225 in the spring but paid then)
TOTAL VACATION COST 1101 (1521 with the 225 we paid in the spring plus abour 150 for labor costs for craigs employees to take over small snow removal while we were gone)
craig personal t-shirt and sunglasses 27 dollars
Spent 225 last spring for 6 nights in floridly if saw time share
640 both plane tickets and car rental
25 airport food
17 breakfast
16 lunch
dinner 25
grocery 13
friday
no breakfast cost
lunch and dinner 43
saturday
breakfast and lunch 16
dinner 53
sunday
breakfast 10
lunch park food 20
airport 17
walmart gum and headphones : 10
craig movie 8
park tickets:310
gas: 44
taxes: 19
-185 check for seeing timeshare
resort was free for seeing timeshare (paid 225 in the spring but paid then)
TOTAL VACATION COST 1101 (1521 with the 225 we paid in the spring plus abour 150 for labor costs for craigs employees to take over small snow removal while we were gone)
craig personal t-shirt and sunglasses 27 dollars
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