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Posts tagged with: costco

Cash Envelope System

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As you all know by now, one area where our spending has gotten out-of-control is in the realm of food (groceries and eating out). To try to combat the ever-increasing line item in our monthly budget, I decided to return to the cash envelope system. It’s been a loooooong time since I’ve done cash envelopes. But they helped me once, I know they can help me again.

To start, I’m using envelopes for eating out ($200/month) and groceries ($600/month). This represents a HUGE decrease compared to what we have been spending the past few months. Our groceries, for instance, have trended over $1,000/month the past several months. And our eating out/restaurant budget has trended in the $350-$500ish range. Just a disgusting amount of money spent on FOOD!

Reducing down to $800/month for all food (restaurants + eating out) is a big savings for us!

Here’s how I’ve figured it:

$600month/4 weeks = $150/week. Because I want to save a little money for mid-week perishables (we always run out of milk and fresh produce), my goal is to stick to $110-120ish for my big/initial grocery trip. That saves about $30ish for a smaller mid-week grocery run (and/or leaves some wiggle room for the last half week of the month).

I’ve been doing the cash envelope system for a month now (I started at the beginning of September) and so far, so good. My only “wrench” this month is that I really need to hit Costco to stock up on some bulk items. Does anyone else find it impossible to get out of Costco for under $100?!

 

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Because of our need for some bulk items, I’m actually going to try to limit our grocery store budget to closer to $100-110/week so I can save the excess for two weeks to have a solid $80-ish bucks or so for a Costco trip. This way, I’ll be able to get my bulk stuff but still be sticking to our overall grocery budget!

Do you have a Costco (or Sam’s Club) membership? How do you manage to save while buying in bulk?


Halloween 2015

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I know we’re still in August and just doing the back-to-school thing, but I want to skip ahead a bit and talk about Halloween!

Last year we didn’t really “do” Halloween as a family because my friend got married, so I was busy with wedding festivities. As a result,  I’m extra excited about Halloween this year. It will be the girls’ first year to actually trick-or-treat door-to-door (they’re 3 years old). But you know what I’m NOT excited about? The price tag!

Since we didn’t really celebrate the holiday last year I didn’t buy them costumes. Hubs dressed them up in the same baby-bag type ladybug costumes they’d worn the year prior (see post I wrote about it here. Side note: RIP to the beautiful rug the girls were sitting on that picture. It got destroyed only about a week later with the great flood of 2014). Last year a couple of people recommended buying Halloween costumes on clearance after October 31st and save them to use for this year. Unfortunately, I wasn’t that organized and it didn’t happen.

Enter:  Costco!

Y’all know how much I love Costco! Well, they’ve done it again! They got a bunch of costumes in early and they are SO CHEAP!!! I’m talking $13.99 for a princess costume with little accessories (necklace, tiara, etc.). We took our girls and let them pick out costumes – Elsa and Anna (from Disney’s Frozen). We were out the door for right at $30, including tax!

You guys, I’m floored! That’s cheaper than second-hand costumes on Amazon or even the cheapy-type costumes at Party City! And they’re brand new with accessories!

Now the hard part is going to be keeping the girls from wearing them until Halloween (because I already know they’d lose the accessories and it would be a huge ordeal to a threenager). But just in case anyone else is starting to think about Halloween costumes – get on the ball now! Costco gets them in early, but they also don’t restock so once the costumes are gone there’s no more.

Have you started thinking about Halloween yet? How do you save money on Halloween costumes?


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