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Hope’s Actual Spending – Week of 9/21

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Our A/C went out Thursday night. I am SO GRATEFUL I rent. That’s the 3rd it’s gone out this summer. And I haven’t had to pay a dime to get it running again. In addition, my landlord has had to replace the back wall of our laundry room, a section of the roof due to leaks and so on.

It just continues to show me, how wise it is for me to just rent a home at this stage in my life. I’m also very grateful for a landlord that jumps on these types of maintenance issues. I have not waited more than a single day for A/C repairs and the other issues were contracted out as soon as I reported them.

I have heard horror stories of what other tenants have had to deal with. We have been really blessed to never have been in those types of situations.

This Past Week’s Spending

Overall, I am happy with this week’s spending. As anticipated there were some unexpected/unplanned for costs with History Buff moving in. But even with those, I didn’t end up too far over for the week and they really were required expenses.

DescriptionAnticipatedActual
Income *after taxes$464$450
Gas($35)($41)
Volleyball - entrance fees($5)($15)
Sea Cadet Insurance$50$100
Insurance Payment($100)
Furniture for History Buff??($352)
History Buff Driver's License($32)
Medicine Co-pay($2)
History Buff ACT scores($26)

Total$474($18)

Notes

  1. History Buff, Gymnast and I attended an unexpected and previously unscheduled volleyball game for Princess. That’s why the cost was higher than expected.
  2. Sea Cadet has decided to pay his insurance on a bi-weekly basis rather than weekly, which makes sense since those are his pay days. I immediately put that money toward our auto insurance.
  3. After shopping around for a couple of days, I decided the best option for History Buff’s bed was the same place I got all of ours last spring. But the cost for the exact same bed is almost a $100 more now! Ugh! But as I’ve told the kids, they each have a bed they can take with them when they move out. I know kids do not need full size beds, but with them all being so close to spreading their wings and leaving the next, my logic is that this will save me from feeling the need to help them purchase an “adult” bed when they move. This is the bed I purchased him from Sams Club.
  4. I also paid for History Buff to get his GA Drivers License and wanted to get that done as quickly as possible since we will want in state tuition when he goes on to get additional schooling (after he finishes high school.)
  5. We needed to send his ACT scores to the local colleges where he will be dual enrolled which also had to happen as soon as possible since registration opens in just over a week.

I believe I’m done with the unexpected moving in costs for History Buff. He has already begun schooling and will take the placement tests at the local community college to confirm his acceptance for dual enrollment next week.

He is looking for work, and has two more paychecks coming from the two jobs he left in VA. Hopefully he will have enough to cover his bills until he gets a job. I’ve not decided what I will do if he doesn’t. He has a monthly car insurance bill and cell phone bill to keep up with.

One Caveat to No Spend Month

I/we are ready and committed to No Spend Month which begins for us today! Yeah! I’m excited to see what my buffer looks like at the end of the month. And still haven’t worked out a budget for our Texas trip over Thanksgiving, but it’s rolling around in my brain.

I have decided to allow one splurge during the month of October. We are going to do a small family celebration. Our blended family was formed on October 5th, 2011 when the twins were placed with us by the US Foster Care system. They were 12 years old, two weeks from turning 13. Their adoption was finalized in October, 2013 just before their 15th birthday.

History Buff and Sea Cadet at 13th birthday party
The twins at their first ever birthday party. It happened a couple of weeks after their 13th birthday and I didn’t know many kids their age, so we filled the part with family friends and a few neighborhood kids they went to school with. History Buff (L) and Sea Cadet (R)

Hunt kids in sweatpants, being silly
Within weeks of the twins arrival, the kids were bonded and always had a good time together. Here they are trying on some exceptional large but comfortable sweats that were donated for the twins. (Sea Cadet is next to Gymnast and History Buff and Princess are behind them.)

We used to celebrate every year by going to the local paint on pottery place and each making a piece with the number of years we had been together, and then out to eat. We haven’t been able to do that in a number of years. Between financial problems and then History Buff moving out, well, we haven’t celebrated much at all in regards to our family.

But What to Do…

I have decided that we will do something this year. But I’m not telling the kids. And haven’t decided what. There is a paint on pottery place a town over. And it would be nice to carry on that tradition. But it can be pricey based on what you choose and we really don’t need any more coffee mugs (typically the cheapest option.)

I don’t want it to just be a meal out. I want it to be memorable and I want them to have something to hold on to afterwards, a momento to help them remember this. It’s important and it’s our first year back together after almost 2 years of living apart.

Give me your suggestions, any and all are welcome. Price is a factor, I don’t want to break the bank especially since this is a splurge during No Spend Month.

 

 

 

 

 

How Meal Planning Has Changed

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Now that my household only includes one adult and two children, meal planning has changed quite a bit.

For one, I don’t need nearly the same quantity of food around. I’d estimate the girls, combined, eat about the same as one adult portion. So anytime I make something that should serve 4, I still have at least 1-1.5 portions leftover for lunch or another nightly dinner. That helps me as I’m planning for lunches throughout the week and reduces food prep time.

I’ve also made big dishes that can serve us for a few days: big pots of spaghetti, large casseroles, and other dishes meant to stretch. This allows us to have at least 1-2 nights per week where I do “Leftover Night” and everyone gets to pick what they want to eat and I just heat things up rather than cooking another full meal.

I’ve also found I’ve turned more to one-pot or one-pan dishes: chili, tamale pie, soup/stew, casserole. It means fewer dishes to clean and just feels like good comfort food. Plus, I often like leftovers better since the flavors have more time to really develop.

I’ve been diligently meal planning with a list posted on the side of the refrigerator. It helps give me direction, keeps me from running out to pick up take-out, and simplifies since I can plan in advance.

So far, the changes have combined to help with my impulse food purchases (mainly eating out). I’m happy to say that for the month of September, my entire food spending (including groceries, eating out with kids and coffee or happy hour with friends) was $428. That reflects a MARKED improvement over previous months, where our spending was easily double that amount (even triple that amount in some months!!!)

I know it’s new still, but so far I’ve been pretty proud of how the food budget is going. And I plan to keep up the meal planning and food prep to help ensure the spending stays in-check!

How has your spending been for the month of September? Any big goals for places to save in the month of October?