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Working Smarter, Not Harder

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Since my kids have started back to school this Fall, I’ve really been working to try to streamline our mornings. Their start time is earlier than last year which is good for me, but makes our mornings hectic. I know I should’ve been doing this all along, but I’ve recently started preparing school lunches the night before. Back when I was working full-time + part-time, I’d be busy working in the evening for my part-time job so I rarely made lunches until in the morning before school. With our earlier mornings, now, we don’t have that same luxury of extra time for food prep so I’ve been trying to find ways to save time by preparing things ahead of time as much as possible.

One example is that I’ve made a whole Snack Bin in our pantry. I like to buy things in bulk-size since it’s cheaper (e.g., pretzels, veggie sticks, and Cheese-It’s are all things I’ve bought in huge-sized packaging from Costco). But since we need individual-sized portions, I’ll open the bag and divvy it up into smaller-sized packages. I have a plethora of Glad-ware, so I try to use those as much as possible since they’re washable and re-usable. I also use ziplock snack-size bags sometimes as well. I take a few moments once per week to pre-portion our snacks and throw them in our Snack Bin so they’re easy to grab and add to a lunch box and/or be used as part of the kids’ morning snack.

Another example I borrowed (imitation is the sincerest form of flattery, yes?) from another blogger. I recently saw a youtube video (and then a blog post < linked here for credit) from fellow-blogger, Jordan. She talked about making her own meat-and-cheese sandwiches in bulk and then freezing them for school lunches. Genius, right? She swears the kids love them and since it’s just meat-and-cheese it freezes and thaws out perfectly. No weirdness like you might get with lettuce or other additional ingredients.

Well, I had some lunch meat on its last leg anyway, so it either needed to be used or tossed out. What better use for it than to try Jordan’s idea of make-ahead meat-and-cheese sandwiches?

I used a couple different bread options:  I already had some homemade rolls that also needed to be eaten or tossed (winning! I love that these “last leg” food items weren’t wasted!), and I’d recently bought a long baguette from our grocery store that was only partially-used with dinner so lots leftover of it, too. I sliced everything up and added 2 thin slices of turkey lunchmeat and one slice of cheese (cut in half to fit).

After the assembly line, I put everything into big gallon-sized ziplocks and put straight into the freezer. I’m crossing my fingers that this works out. I just barely made the sandwiches so we haven’t tasted them yet. My kids can be picky, but I think they’ll enjoy having a meat and cheese sandwich on some “fun” bread (instead of boring old “normal” sandwich bread). I always pack a variety of other things as well (e.g., fruit, veggie, a juice box or “treat” of some kind, etc.), so hopefully the frozen sandwiches will be a part of a well-balanced school lunch! Woohoo!!

If you’ve got kiddos, what do you do to streamline your mornings? Have you ever tried making lunches in bulk and freezing for later? Any other “Work Smarter, Not Harder” type of tips?

Hope’s Monthly Budget – Fall and Winter, 2017

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This is my current monthly budget. A debt update is coming up next. I think most of this is self-explanatory, but I’ve added a few notes below.

Budget

Personal ExpensesBusiness ExpensesSummary
Allowance400Adobe30Total Personal3634
Auto – Gas/Main250Cell Phones286Total Business509
Auto/Rent Ins315Dropbox (annual – Oct)8Total Debt Payment1920
Clothing (bi-annual)150Internet77Total Monthly Costs6063
Electric150Microsoft (annual – Jan)8
Groceries/Eating Out600Misc100Income
Gymnastics350Total Business50910993200
Health Ins305W-23462
Life Ins (annual – Dec)21Debt Payments
Rent650Car Payment400Total Income6662
Spending200CC100
Water/Gas/Trash75Computer Equipment85Savings Goals
Spanish160Other500Emergency Savings Goal700
Amazon Prime (annual)8Self Lender (Christmas)97Couch
Student Loan307
Summer Camp/Activities375
Universal56Total Savings Goals700
Total Personal3634Total Debt Payment1920Total Extra Income-101.0

Details

Monthly Expenses – These are our day to day living expenses. Many have some flex money built in, specifically gymnastics which typically runs $240 per month. I added the extra money to cover the competition costs that must be paid during competition season (Nov-Apr.) I don’t know how much they will be with our new gym, last year I paid $600 in meet fees. Spanish is new. I’ve hired a online tutor to work Princess and Gymnast 1 hour a week, this was our first week.

Business Expenses – I’ve added my regular business expenses including our cell phones, internet and so on because I thought my budget would look funny with out these important expenses. (These are associated with my contract work.)

Debt Payments – I have another post on this category coming this week. I am grateful that a lot of this debt is chosen – summer camps and activities, Universal and a Self Lender loan (a chosen debt in an attempt to help repair my credit) versus stupid decisions or debt hoisted upon me by other’s decisions.

Income – I continue to work three jobs regularly, and have recently picked up a couple of new smaller contracts so we will see how they work out. The kids are starting to ask when I will cut down on my work hours. But I am not there yet.

Savings Goals – My emergency savings is still my #1 goal. But I am starting to think of other “things” I would like, specifically a couch. I’ve put it on the budget as a holding place, but I am not actively pursuing it at this time. In my head, I’m thinking next summer for a couch.

Summary

I am in the negative as far as this budget goes. Reality is that I spend quite a bit less than this on a regular basis, but there are certainly months where it is more. I feel like this is a true representation of where my money goes on a monthly basis.

My FSA, vision and dental insurance and 401K deductions all come out of W-2 income. I have consulted with an accountant and for this year, I am in a good place tax wise due to the Adoption Tax Credit. I will have to adjust my tax rate for next year.