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Christmas shopping & other stuff

November 16th, 2010 at 05:47 pm

I was not able to get what I wanted at CVS yesterday. Twice I have gone and both times they were out of the item. Apparently they will have another shipment on Wednesday so I'll stop by on my way to work.

I went Christmas shopping last night. I had a Gap Groupon I needed to use by 11/19. I was able to get my son 3 long sleeve tops and I am now done shopping for him except for a new cell phone. The display on his broke so he has been using one of our old phones. I know that I can get him a new phone for $20 or so. I scored a lot of good deals with his gifts so I am under budget for him.

I also got some things for my daughter. She's almost 11 and girls clothes are so much more expensive than boys clothes. I had a 40% off coupon but even with that I still ended up spending $90. Her birthday is in January so I also need to be on the lookout for gifts for that as well.

I know that I will be able to get some really good deals on Black Friday on some of the other things she wants so I think I should be able to stay on budget.

I never know what to get my mom and came across a really good deal I read about on a frugal blog. It's a free 8x10 picture on canvas from the Canvas People. All I need to do is pay about $15 in shipping. That comes in under the budget I had set for my mom and she would love a picture of my kids. Going to look through my digital pics tonight and see if there is a good one to upload.

Someone asked on my last post about how my cash budgeting was going. Honestly, I haven't withdrawn the cash yet. I was at the ATM yesterday to deposit checks and I didn't withdraw the money. Since I've already spent just a little from each budget category (household and personal care) I need to look at my budget spreadsheet to see what the balances are and then withdraw that amount.

Lastly, I took my car in this morning to get new brakes, replacement of the air filter and for them to see why the check engine light has been going off. I hope it's nothing major (the car only has 36,000 miles on it). I've got about $500 cash for car repairs and I'm hoping I only need to use no more than $400. Fingers crossed.

No Spend Challenge = FAIL

November 10th, 2010 at 09:15 pm

As soon as I hit the publish button last Friday I knew I was biting off more than I can chew. And sure enough by Saturday morning, I knew this challenge would not be a success.

My 14 year old son had been asking to get a haircut for the past few weeks and on Saturday morning he asked again. I paid for the cut with cash I had from being reimbursed for something so the money didn't necessarily come from budgeted money.

But, we went to In-n-Out ($23.16) on the way home from my daughter's soccer game, I ordered a new cover ($6.94) for my iphone since the one I have is broken and we had dinner out Monday night ($53.90).

We are a few dollars over budget because we went over in gas, groceries, and personal care. My daughter had 2 games this past weekend that were out of town so that took it's toll on my gas budget and I bought stuff at the grocery store that I had coupons for but didn't necessarily need for this week. I also got a bag a frozen chicken breasts at Costco to the tune of $19.99 and even though we will have them for a while it still puts a dent in my budget. At $1.99/pound, I can't get this price anywhere else.

Our personal care budget is over because I did some CVSing and spent more than I should have. I do like to buy things we use with coupons when they are sale even though we might not necessarily need them immediately. I figure I would rather pay as little as possible for stuff we use instead of waiting until I need it and paying full price, however this can sometimes put a dent in our budget as it did this pay period.

So, I will need to take a look at our budget for the upcoming pay period (I budget by pay period) and make adjustments as needed, taking into account travel for soccer and basketball games. I'll also need to make extra efforts to spend as little as I can on groceries.

Baby Steps

January 25th, 2009 at 05:45 am

Today I made some more progress on my budget. I have to work on it in increments as I get overwhelemed by all that I want to do with it. I think of things periodically throughout the day that I want to do but when I actually sit down to do them I can't remember one of them lol.

I went to Costco and got some groceries. I spent $136 on mostly groceries, some of it was personal care items and snacks and water for my son's youth group, but all in all, I have dinner planned for next week. I just need to get a few produce items tomorrow and then I will be good to go. I really need to learn how to shop the sales. I bought steaks and a spiral ham at Costco. The steaks will provide enough for 2 dinners as will the ham but still, those 2 items alone cost almost $40. I figure its still cheaper than going out, but on the other hand it is still more than I want to spend for dinner at home.

I suppose an outlay of money is required in order to get my freezer stocked. I will watch the ads to and try to plan meals around whatever is on sale. Still, can I do this AND keep my grocery budget at $400 or less per month?

I read a blog the other day where the women fed her family dinner on $5 a day. How crazy is that? I live in California and I don't think that is even remotely possible. Maybe it is and I just don't know how to do it.

Shoes!

March 12th, 2007 at 07:48 pm

So the shoes I wrote about wanting in an earlier entry are now mine Smile

They were on sale and I had a 20% off coupon. I had enough money in my personal spending account to buy them and so I did. It feels good knowing that I was patient enough to wait for the right time.

I am also helping our spending plan along by mostly eating out of the freezer this week. I spent ~$60 on groceries but that was mostly to replenish snacks, milk, OJ, and some low calorie snacks for me as well as a bulk package of ground beef.

Gas is expensive again so I'm having to readjust my budgeted amounts. We are saving every pay period for all kinds of expenses so that when we actually need to pay for them the money is there.

I Had Shoppers Restraint Today!

February 14th, 2007 at 11:39 pm

I went to Mervyn's to pay a bill off today. While standing in line to pay, next to the shoe dept no less, I looked around from my vantage point and saw some shoes I wouldn't mind owning.

I slowly made my way through the line to the cashier and paid off a $70 bill.

I couldn't leave without looking (dangerous I know) but I did look and I DID NOT buy, even though I saw 2 pairs of shoes and some things for our upcoming vacation to Cabo San Lucas.

I think I need to rework my spending plan to allow for some purchases before our trip in June.