Category Archives: 2012 Money Plan

It just takes some planning…

My FREE Breakfast. Broc was in a hurry so I didn’t have time to add his into the photo! 🙂

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Want to know one of the easiest ways to save money? It’s simple…plan ahead!

I was thinking about all the ways we save money here at our house and realized the biggest way we save money is by simply planning ahead.

I plan ahead by looking for coupons on what we are in need of at the grocery store. I plan ahead every time we eat out by looking for a coupon before we go & then only going to a place we can find a coupon for. I plan ahead by seeing if H&M has sent me a deal in my email before I head to their store…you get the idea.

Sure, it takes a couple extra minutes sometimes but when you start to see how much you can save, those extra minutes are totally worth it. Here are a couple examples:

Broc told Titan the other day that we could go to Chick-Fil-A for dinner one night. Before we headed out I did a quick check for coupons. I found a coupon for a free kids meals with entree purchase & a coupon for a free spicy chicken sandwich with the purchase of another spicy chicken sandwich. So, we took both coupons. I paid for my meal & titan’s kids meal and Broc did a separate transaction with this meal of the two sandwiches. All in all, we got Titan’s kid’s meal and Broc’s second sandwich for FREE! Our bill was cut in half & we were all more than full when we left.

Second example, I was thinking of making a quick trip to Plato’s Closet one day. I hopped online to see if they were running any deals or promotions and found that if I went Saturday, instead of Friday when I was thinking about going, they were having a $1 Clearance Sale. So, I went Saturday instead and scored some really cute shirts for buck a piece. Had I gone the day before they would have each been over $5!

Third example, a week or so ago I saw that Chick-Fil-A was having a free breakfast week this week and that you could sign up for a free breakfast item from them. I signed both of us up and we both were able to enjoy a FREE beakfast this morning. Broc got a spicy chicken biscuit and I enjoyed a fruit parfait. Oh, and we also got a free Simply Orange Juice with a coupon we had from the Chick-Fil-A Calendar. Yep, our meal was 100% free and all because we took a minute or two to sign up for the promotion a week or so ago. Love it! (In fact, we didn’t even have to go in to get it, Broc just grabbed it through the drive through and brought it home).

See, it really is just all about planning ahead! So, the next time your wishing you had a little more wiggle room in your budget, just start planning ahead. 🙂

February at a Glance!

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All right, it’s time to see how we did on our budget in February! I’ve initially intended to post a weekly update to keep me on track but have found just keeping things documented on my spreadsheet every couple days has kept me on track. 

And, really, considering I just said that last sentence is a HUGE improvement in and of itself. Never imagined I’d be willingly documenting all of my receipts and analyzing them every few days (and keeping track of all the receipts!) – what has the world come to! 😉

Any way, here is how things went in February:

Shelf Cost: $503.50
Savings Amount: $318.32
Savings Percentage: 63.22%
Total spent in January: $185.18
Amount left in Budget: $14.82! 
That’s right! There was actually money left in the budget at the end of the month! I am fairly sure that is unheard of in our 5 1/2 years of marriage! lol 
Plus, I was excited because you will notice my saving percentage jumped from 49% to 63%! That’s more a percentage I like to see. My ideal percentage would be above 70% off but I’ll tale 63% any day over 0% or 5%! I mean, why spend $503.50 on your groceries when you can spend $185.18?! 🙂
All in all, February was a good month. Now I just need to convince Broc that the “extra” money should be put away for my next trip to the The Kura door! Just kidding (sort of) it’s going to go into the “Just in Case” fund for any month we need to go over for some reason. Although, hopefully that’s not this year. My goal this year is to get our budget down closer to $150 a month by December! Shoot for the moon, right? And if you miss, at least you still land among the stars. 

January at a Glance!

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Remember my $200 a month budget for groceries and household items? Well, here is how we did this month: 

Shelf Cost: $569.21
Savings Amount: $282.45
Savings Percentage: 49.62%
Total spent in January: $286.76

As you can see, I went over our $200 budget by $86.76 this month. So we did not stay on budget this month when you look at just those numbers. Plus, my savings percentage is a little low. I’d prefer it be closer to the 60%-75% range…

Remember though how I said that when we got back from Utah everything in our freezer was ruined? Well, a lot of the groceries we bought this month (especially right when we first go back) were to replace some of the items in the freezer & since we needed a couple of the things right away, I wasn’t really able to wait until the lowest price possible or for a coupon to come out. Thus, the lower percentage!

Plus, I’ll admit where I have been out of town so much since October, September is really the last time I did my coupon shopping/stocking up so we are a little low on some things.

Thankfully though, we did get a refund check today from the flooring company today for $117.00. So, if you factor that in, we actually did indeed come in under budget & actually we still have some of the freezer refund money to spend! Woo hoo! The excess from the refund we figure we are just going to use to “pad” our money budget in the future and give us a little wiggle room.

How did you all do with your budgets this month??? Did you stay on budget? Come in under? Or do you not keep a budget at all and just pray at the end of the month you still have money in your account? 😉

P.s. I know I said I wasn’t going to factor into the budget the things we had to buy to replace the items in the freezer but it got to hard to differentiate. So, in the end I just added it all together & the initial shopping trips that I was leaving out, I went ahead and added back in. This total is EVERYTHING we spent this month on household items and groceries.