Sunday, April 26, 2015

Weekly Meal Plan and Update

I try to only set up one family activity per weekend, but I failed roundly at that and we are all worn out today. Here's hoping we can reign it in for the next few days and try to settle back in to our regular routine. In that spirit, I've tried to plan low-key meals this week.

Sunday - pasta with sausage and peppers
Monday - quesadillas
Tuesday - brats and veggie dogs (time to start grilling out!)
Wednesday - Thai chili from the freezer for me and tacos for Peanut
Thursday - tomato risotto, green salad
Friday - more grilling out
Saturday - free for all

I've been working on clearing out the fridge, freezers and pantry of all the things I stocked up on when they were on sale. I struggle with finding a balance between stocking up and using up the stuff we have on hand. Usually I make my meal plan and grocery list from what's on sale and what I have a hankering for, but I've been trying to look in the cupboards first the last few weeks and our grocery bills have been correspondingly lower.

A few other random things:
Today I hosted my last shower for a long time. There have been a lot of weddings and babies in my family  lately, but I think we've hit the end of the events I feel responsible for planning. The work was split among four women, so not too much went to any one person, but the amount of work and expense is always a little bit of a surprise.

Peanut and I spent about a quarter of what we usually spend on our credit card last month. We didn't have any big unusual expenses like dental visits or even large grocery bills (thanks to this pantry clean out), so we just managed to spend less than we have been. I think probably we spent a little more last month than average so it works out, but it was fun to pay a credit card bill that was less than $500!

I managed to put $2,500 into our new car fund already! I know we won't be able to do that for a few months as we bankroll our trip to visit my family, but I'm glad to have been able to start it off with a sizable balance. Gives me motivation to keep it up!

My insurance agent sends us $1 on our birthdays. It's a silly tradition, especially since I know it's pure marketing (which pretty much totally works on me), but I was very surprised that Pickle recognized it immediately. She's two and a half and doesn't get an allowance, and doesn't even really go shopping with us all that often, but as soon as she saw it, she said "Money for Mommy!" I hope she's picking up things like "saving money" by osmosis as well.

Monday, April 13, 2015

New (to us) Car Update!

All I can think about is my new (to me) SUV....I dream about it. I can't wait.

Except I am going to wait. For about a year.

Peanut started searching for the vehicle that's going to make me sing aloud when I drive it, and we discovered a couple of things. First, we have no idea what our car is worth - cars in similar condition but with much higher mileage are selling on Craigslist for way more than what KBB values our car. Second, SUVs are more expensive than comparable sedans (in terms of model year, mileage, condition). The only way for us to get an SUV that wouldn't be a step down would be to either deplete our cash savings or skip retirement contributions next year or take out a loan. We aren't comfortable with any of those options, especially since this is very much a WANT situation and not a NEED situation (the Mazda runs fine, after all) so we decided to try to save up enough money to max out Roth IRAs ($11,000) and pay cash for an SUV ($12,000) by a year from now.

Can we save $23,000 in 12 months?

Well, we managed to save $20,000 last year, roughly - helped out by our newest little tax deduction and a property tax refund and some other unexpected income - so we think we can do it again this year. Our savings for the last few years has been amorphous - retirement, emergency fund, just saving to save. We haven't had a tangible goal for a while, and I'm excited about that. It's much easier for me to make frugal choices when I can make the argument, "Hmmm, I can spend $8 on takeout right now...or I can put $8 towards MY NEW CAR." I only have to make that choice 1,500 times to save $12,000.

We don't have a lot of wiggle room as it is - we already are pretty frugal when it comes to daily living expenses and we won't be cutting out things like our big annual trip to visit my family. But we'll continue squeezing where we can, and also redirect all unexpected income (hello, birthday money!) towards this goal, and I think we can get there. I should put a counter up on the sidebar to keep track of this - maybe it will even help us get there early!




Sunday, April 5, 2015

Meal Plan and Plan for the Week

Sunday - creamy cheesy chicken enchiladas
Monday - chicken wild rice soup (from the freezer, brought over by my MIL when Baby Bear was born)
Tuesday - crockpot veggie chili (from the freezer - the other two batches were bad, so if this one is too, then frozen pizza)
Wednesday - BLTs and spaghetti squash
Thursday - pasta with sausage and peppers
Friday - mexican quinoa

I'm also making pumpkin nut bread and vegan sweet potato cinnamon rolls this week. Recipes can be found on my Pinterest board!

It's kind of a boring week foodwise, but we've got a lot going on. April is turning out to be a very busy month, with multiple appointments between the two kids every week. I also have something of a social life for the first time in a long, long time! And it's my birthday month, which means I will be cashing in some birthday rewards, which is always fun.

I've been working my way through a 30 days of yoga series on YouTube, as a way to ease back into being a little more active. It's challenging, physically and metaphysically. Each 30 minute practice usually takes me an hour and a half or so to complete, between all the diaper changes, boo-boo kisses, rocking to sleep, and "help" that I get during each one. I feel better in many ways at the end of it, though, and it is after all a practice, not a perfect. It'll probably take me two months to complete all 30 sessions, but that's okay - at least I'm trying.