Brownies and cupcakes made for dessert and the week ahead. We had both packet mixtures still in our cupboard so no money out of pocket this weekend.
We are spending the weekend at home 🏠 this is what most of this year will look like for us as we will be paying of all of our consumer debt this year and have an over seas holiday in December.
Ooohhhh it’s that time of travel. It’s break for Kayla and traveling is always on our list for breaks. How do you travel? Light or heavy? I always try to travel light as possible. We will be gone 7 days and yes this is it including a backpack.#travelmomanddaughter #singlemother #budgetmom #blackmomstravel
Over Christmas and with everything that has been going on our pantry has become a ‘throw it in’ situation! 🙈
I have just taken everything out, cleaned all the shelves and reorganised 🙌🏼
I have also just finished our pantry inventory 😳 we have so much more than I originally thought so lots of staples we can use for meals this week.
I absolutely love a clean pantry so hoping to never have it looking like the before picture ever again 🙋🏻♀️ When my spaces are clean and organised I find it really calming to use. When things are cluttered or busy I find spaces really overwhelming.. anyone else? 💖
💻 ➳ Spreadsheet now available in the shop - link in bio ✨
This is one of the pages in my by @debtfreecharts
book. For each of our debts, I have the chart to the left and then on the right I have a debt pay off plan for it. The plan basically charts the minimum payments required on the debt, the additional payments I've made, the dates that I've made those payments on and when I plan on seeing this paid off. Pictured here is our interest free loan.
I do the same thing in excel, its automated with formulas but being a pen to paper girl, I like having this visual next to the chart as well.
Swipe over to see a close up. Slide two explains the terms of the loan and slide 3 shows you the additional payments as well as how much time we've shaved off by paying early.
Reducing the cost of your groceries! #budget #food
In November last year our average grocery bill for the month was $270.25 and in January is was $227.38. So slowly it has been coming down based on decisions I have made and as you can see by the attached article I found recently that we are under the “basic diet” cost according to said article. Many people do cheaper shops than we do which is great but we also like variety, quality and a few treats.We are just an average everyday kiwi family of 4, myself, hubby, Mr 13 and Mr 11 who are always hungry. I’m not a food guru, a health nut, super frugal or claiming to be perfect at shopping but these few tips helped me reduce or grocery bill from our previous $300+ per week.
1. Set a grocery shop amount and stick to it.
2. Write a ‘base” food list that you purchase every week for every meal with around about price.
That will give you a cost of breakfasts, lunches, snacks and dinners which will give you a base budget to work off.
3. Limit snack food. The boys get one packet of chips, one packet of Oreo’s and one packet of crackers each as snack food per week with a limit of 2 biscuits per day. And they can eat as much fruit and vegetables as they like plus a sandwich if they are starving.
4. Baking. I like baking but sometimes it’s just not that cheap with the price of butter but if you google recipes you might find some that use few ingredients and butter. Use up those ripe bananas and make banana cake or muffins.
5. Change brands. I have slowly been changing to cheaper brands as the quality is still good just cheaper. I will not however change our bread EVER!
6. Meal plan. Best thing I ever did was plan our dinners, it saves time wondering what to have, stops me buying unnecessary items and no wastage.
7. If you work full time DON’T shop after work. You are likely to be tired and hungry and will no doubt buy more. Stick to weekend shopping when you can make good decisions about food.
8. You don’t need meat and vegetables at every meal. Eggs on toast, Omelettes with spinach and cheese is just as good.
9. Shop ONCE a week to avoid extras! 😁
Anyway I think that’s about it.
BEEF + BUTTERNUT CHILI 🌱 We don’t have heat 🔥 or power still, but we (just) have gas so we can make chili 😂 This was our valentines dinner last night in the dark with lots of @seccowineclub
wine + lots of dark chocolate 🍫 and the recipe is on the blog .
But while we’re over here trying to get power back, you have just a FEW MORE HOURS if you’re wanting to join us in the Grocery Budget Boss course and there’s no lack of power affecting that, it’s rolling and ready for you! We’re closing enrollment at midnight, so just make sure you hit the link in our bio and get any last details you want then join us - and for those that wondered you CAN add in the live online cooking class too just select it after purchase! 👩🏻🍳 I. CANNOT. WAIT! See you inside the course for a fun journey to confident, well budgeted food shopping! 🛒 Who’s in?!! 🙋🏻♀️🔜🙋🏻♀️🔜
Here’s all of our debt, earlier this month we paid off our last credit card. We have been credit card debt free before but it wouldn’t last very long, but this time around it’s different because everything that we buy it’s budget for.
I’m curious to know what you are trying to be debt free from? Is it car loans? Credit cards? Student loans? Or personal loans?
We're on track to meet this by the 4th of April 😀 It will see the closure of two out of 3 credit cards, leaving us with the only one we want to retain! And hopefully an increase in our credit scores too, even if it is a small jump.
We will be under 60k in debt and will have said goodbye to so many bad decisions and choices. I cant believe it is so close. Fingers crossed that nothing comes in the way.🤞
It may only be February, but I already have vacation on my mind! With that being said I am utilizing our step 4 “savings challenge” to help make sure I am ready financially when the time is finally here. This month all you have to do is save $2.00 per day. Such an easy way to put extra money in your pocket without feeling like you are breaking the bank. What are you using your extra savings for? Adding to your emergency fund? Vacation? Paying off debts? Let us know!
It’s Friday night and I just, just, just, just got paid! ⠀⠀
Payday means cash day! We use cash to pay for daycare, allowances, gas, dog grooming, and a few more. ⠀⠀
But, surprise! We stopped using cash for grocery shopping. I value Walmart grocery pick up way to much at this phase of life. I also find that it helps, streamline, simplify AND keep me on budget because there’s less browsing temptation AND I can see my total tick up as I go. ⠀⠀
Oh and please tell me you know that song! Name it below! 👇 Then I will really know I have found my people 😄 #ipreview @preview.app
If you would have asked me months ago if I thought that us, a family of 5 could live off of $425 for 2 weeks I would have thought...no way!
Well here we are even living off of less! That’s gas, food and misc expenses!!😱 So since we had left over money I spent $25 on valentines goodies for the kids and husband. 💕 I’ll have $109 left over for soccer shoes for our daughter and shin guards ⚽️🥅 I know I won’t spend near that, but any overage will most likely go towards the renewing of my nursing insurance coming up for renewal:) #budgetmom #goals #nursing #familyof5 #debtfreejourney #debtfreecommunity #manifestation #intentionalspending #financialfreedom #soccermom
Tonight we had Creamy Seafood Chowder (frugal version) for dinner and it was so good 😍
It cost me roughly $15 to make a big batch that could feed 4-6 adults!
Usually I would spend $30+ to make this, so I'm very happy with my frugal version 😊
I will add the recipe to my story and "food" highlights for those interested.
This is the first year in my entire life that I budget for this holiday. (If you want to know more about valentines at our home, check out my stories) My husband and I don’t really celebrate this holiday so this is all we budget for today. $50 means we get to go to a nice restaurant without gifts and that’s totally ok with us, because both of us loveeee food and that’s the best gift we can give each other.
We make our budget work for us and I want to know what works for you? Do you guys celebrate Valentines? If so, what do you guys do?
#valentinesday #valentinesdaybudget #holidaybudget #expensiveholiday
It's so sad as soon as I got used to seeing this mirror everyday, I had to leave it 😭😭😭💔 getting home sick already, but I NEEDED a break lol 😆
$95 for this weeks grocery envelope 🛒
Luckily we have a stocked pantry so I’m hoping to do a pantry inventory/clean out this weekend, meal plan with what we have and then create a shopping list for what we need.
As mentioned before this month is crazy expensive for us so when we get paid I’m allocating all our money to where we need it to go and then filling our cash envelopes.
This works so well when you have goals, big bills or a small pay week. You can always find cheap recipes or ways to save money on the everyday like groceries or happy money so that your money can go to where it’s really needed.
🤔 Is anyone else keen to do a pantry inventory/clean out this weekend? Let me know as I can add some new resources into the free library and we can do it together 💓
Yesterday was so nice. For the first time I didn’t fill out a single Valentine’s Day card, I didn’t rush to the store to purchase bags of candy or fruit trays for school parties, I didn’t feel the need to buy all of my kids matching heart shirts, and I didn’t buy marked up flowers to only be eaten by my cat.
I did however cuddle with my youngest to watch A Little Mermaid, surprised the kids with conversation hearts bought package free, and helped my son with his homework. A beautiful stress free day.
Now I’m not saying you shouldn’t take part in celebrating the day of 💕. I personally was just happy to be content and not feel pressured to do so, thanks in part to this wonderful community. Now when Halloween rolls around it will be another story. Halloween is my jam!!
#valentines #holidays #minimalistholiday #minimalist #minimalism #minimalista #minimalistfamily #minimalistmom #minimalisthome
Focus on helping someone else’s day shine bright today 💕☀️ Happy budget friendly Valentine’s Day from Annalee. Little fun colored sunnies and a ring pop. Cheap, easy, and cute! What’s in your valentine budget?
I love this quote 💕
It can be true for so many different situations from emergency savings through to getting away for a much needed self-care getaway 🏕
Financial peace ✌🏼
The very first page in my @erincondren
planner 😁 I am so excited about filling this up and already see it bringing back some much needed organisation into my life. Naturally the first page is budget related! I'm not 100% happy with the layout of this page so will see how I can improve on it for next month.
On an unrelated note, I can't wait to see our income go up from next pay as well. I think next week will be the very last week that maternity leave pay will appear on my payslip. It has been a financially challenging 16 months for us. Loved the time with my daughter, but this return to normal income will help us out so much. I think I've also come up with a good side hustle again, which could see us earn about $400 extra a month! But I'll share that when I have settled on it.
Going back to planners, I'd love to see how you use your planners (Erin Condren or other brand) - so tag me! 😊
If any of you are curious to see the planner, check out my stories. I have shared the deluxe monthly planner that I am using here.
We’re not big on Valentines Day and usually don’t do anything but hubby has been wanting to go Hogs Breath for ages and we didn’t do anything last week for our 12 year wedding anniversary so we’re taking the boys out for dinner 🍽
When we first moved to Australia we ate out here a lot as hubby loves their steak and quickly filled up one of the stamp cards to get a frequent diner card for free. When I took it to the manager he kindly gave us each a card 👨👩👦👦
This card is a lifetime membership, you get a free meal in your birthday month and 25% off every meal purchased 🙌🏼
When we go out for dinner as a family we usually budget $30-$60 depending on where we go and these cards very easily save us $20+ which is huge!💰
Do you have any rewards cards that you find well worth it? I’ve seen there is a Coffee Club one but you have to pay for it? 🤔
This week our groceries came in $6.70 under budget at $143.30!
Usually I would be disappointed in myself cutting it so close, but I purposely spent more this week as I feel I was being 'too frugal' with my meal planning.
I stocked up on extra meat for the freezer because it was on special, and also treated my family to a few goodies.
Swipe left 👈 to see my grocery shop for the week!
Pay comes in and pay goes out 😂
My 52 week savings challenge is coming along nicely! I reset all my Sinking funds at the beginning of February since I used them in January to help pay for some of the back to school costs. So then I created a new Sinking Fund for School costs for next year...by the time I pay for 2 x school fees and Mr 11s camp I would have paid well over $1100 in school costs so far this year!🤦🏻♀️
We are doing OK, we have food, shelter, bills are all paid and we have a little bit of savings. Still would love to be doing more and I know it will happen, it’s going to happen but still feel a bit meh 😂 I’ve got to remember we don’t earn millions and we have one income and no assistance in any other form!
So I’m just going to do my best!! 😁
Anyone else feeling MEH?? 🤪
We stocked up on snacks to make it though till Monday, all plastic free. We also have hardboiled eggs, sliced cheese, oat bars that I’ll make tomorrow and fruit/veg that I’ll pick up at the market.
A lot of people will argue that this is expensive, but I save so much money by only buying what I know my kids like, not letting anything go to waste, and buying ingredients that can be used for multiple recipes.
I love to include my kids in my grocery shopping. It’s good for them to not only get to pick out new things to try, but it’s also good for them see me pass on plastic wrapped, processed snacks. I’m always educating (okay maybe brainwashing) my kids on the importance of package free shopping.
#groceryshopping #groceryhaul #plasticfree #packagefree #zerowaste #lowwaste #bulk #pantry #healthysnacks #thesourcebulkfoods
Target ain’t got nothin on me 🙅♀️💪🏻
I actually really like this system. It forces you to be intentional with your money and as a budgeting method, I think it's one of the easiest methods to get a handle on, but I don't think this is for everyone.
I looked into the cash envelope system a few weeks ago as we were having trouble with maintaining our variable expense such as groceries, outings and/or my husbands spendings at work for a coffee or two. As we had all our money in the one transaction account, we didn't really think much about how much we were spending on those items. We just spent, thinking 'yeah we're still in budget' but the reality was that those charges were getting lost in between the direct debits for our fixed expenses and we were losing track of our variable expenses!
I was worried about my husband losing the cash too, or moving the money around to suit as he has never been intentional with his spending. He usually spends very little, but when he spends he spends big. I was almost going to trial the cash envelopes, but I then worked out a solution that has worked an absolute treat for us.
I opened a second transaction account in our names and every fortnight when we are paid, I transfer the budgeted amounts allocated to our variable expenses into the second account. As it comes with a card, we don't have the concern of carrying cash or forgetting our cash. And since the amounts in the account are little ($150 for groceries and $80 for work spending per fortnight) we haven't gone over since implementing this. Our fixed expenses which is taken from the other account is now untouched. We just have all our bills direct debited and don't have to worry about having overspent.
I also make a point to track our variable expenses separately in our spreadsheet. This is so I can see if we have underestimated our variable expenses for the month and then make adjustments to our budget accordingly. So far this is working extremely well as we find ourselves with a decent chunk left over every fortnight. We just roll any excess over. This is just our way of doing it and so long as it works, we'll keep with it.
Does anyone use other methods?
Groceries done at @countdown_nz
for $243.06 which is $16.94 under #budget
but still need to find some eggs as they had none! A few extras this week as hubby is going away for 3 days next weekend and it’s cheaper to take your own food 😁
Break down this week:
$44.09 Fruit and Vege
$27.09 Toiletries and Cat Food
So $137.79 is Fridge, Freezer and Pantry food!
Got some canned food on special so I’ve stocked up and it’s hubby’s first week on the Countdown brand Weetbix, wish me luck 😂
A few months after beginning our #debtfreejourney
we set up “kid commissions” for our 3 kids. I heard about the idea from @rachelcruze
and loved the prospect of teaching them at a young age that you earn money from doing work and you aren’t just given an “allowance”. .
Our oldest loves this and has earned her full potential each week, plus extras for going above & beyond. She has a cash envelope system and has her savings divided into spend, save, & give. .
When it comes to spending I allow her to use her money as she wishes, and right now that means buying snacks one day a week at dance class. My favorite part about this is that she never even asked if I would buy them, she automatically got her cash and did this on her own!!! .
How do you handle kid commissions & spending??
Valentine’s Day in the Yumbox for Mr 5.
Not my best work but considering the week I’ve had, I’m pretty happy with it!
Sorry for all the lunchbox spam recently, will hopefully start with more variety again soon.
Today is one of those days I’m so thankful to work from home. It’s raining. I’m in my pajamas with a blanket and about to start my work day. 😊
I used to be one of those ratty old T-shirt’s equals pajamas people. After I read the Life Changing Magic Of Tidying Up, I tossed most of those. I kept a few for paint clothes. So I have one small basket of old shirts and a couple pants for painting and projects because that happens a lot around here. But for bed, I’d rather be both cozy and cute. I do still have someone to impress after all. 😉
I would say keep one or two “Day 1 of my period, stay the hell away unless you have chocolate” super comfy beloved pjs and step up your game on the rest.
#closetorganization #pajamas #minimalistmom #declutterchallenge #projectdreamcloset #organized #organizedhome #budgetmom #capsulewardrobe #pjday #declutter #minimizethenorganize
Anyone else ready for spring/summer? We are!! This week we are working on our “kids have outgrown their clothes” budget 😃 I’ve been stalking Old Navy, Gap, and Target for my favorite items and saving them in my cart until the right sale comes along.
Sales happening right now:
Target: Spend $40 on clothes, shoes, and accessories save $10 ( you can check out as many times as needed to gain extra $10 off)
Old Navy: 25% off (online only)
Gap: extra 20% off
Why I have been MIA....👀 My husband and I have reflected a lot in the past couple weeks of what we want our future to look like.... we always come back to the same dream... traveling! 🧳 🧭 🚙
He wants to pursue travel nursing so we have been busy submitting information for that.... 👨⚕️ Being that I am a nurse too makes it even better! Maybe one day we will both take assignments 🙃
Whether it’s 6months, 1 yr, or 2 yrs from now...we don’t know. But we are working towards it now.
We decided to put the Debt Snowball on hold, until we have our 3 months worth of expenses saved! Which luckily for us will be hopefully in the next month or so!!! 🙌🏻 So by the end of March I’m hoping we are back at our Debt Snowball with a nice cushion for him to dive into travel nursing! Once he takes a travel assignment we will be able to pay off debt faster! Budget is still going strong!!! 💪🏼 #goals #manifestation #budgetmom #nursing #debtfreejourney #debtfreecommunity #familyof5 #homeschool #mom #liveyourbestlife #nursinglife #travel #travelnurse