June 2014 :: Report

Debt Reduction

Here is where we were after 6.30.2014:

Credit Card Debt               :: $    16,294.96
Taxes Owed                   :: $            00.00
Car Loan  #1                    :: $      4,829.69
Car Loan  #1                    :: $     11,744.76
Tuition                           :: $             00.00
Personal Loans                 :: $           00.00

Total Debt*                        ::  $ 32,869.41

*does not include school loans

We have come down a little bit since last time, but as you’ll see in my post later this week, I haven’t had a full-time job for almost a year, so that’s to be expected.

Budget

We didn’t have a budget for this last month, but we will have some information about what we are doing for July!

Savings

Where we landed at the end of June:

Regular Savings  :: $     171
Emergency        :: $      00

Total Savings      :: $   171

We had over $1000 in this earlier this year, but a vet bill for major surgery wiped it all out. So now we have a little. But a little is better than nothing!

March 2013 :: Report

Debt Reduction

Here is where we were after 3.31.2013:

Credit Card Debt               :: $    17,924.96
Taxes Owed                   :: $            00.00
Car Loan  #1                    :: $       9,381.81
Car Loan  #1                    :: $     14,949.50
Tuition                           :: $       1,705.66
Personal Loans                 :: $           00.00

Total Debt*                        ::  $ 43,683.62

*does not include school loans

Yes. It is difficult to watch that total go up. But we really did our best to get every last mile out of my old car (yay for getting past 190K miles!) and it was time. So, now I have a safe car, with good gas mileage to get us around. This is life.

Budget

Guess which category we struggled with? Yup. Food. Sigh…

We also had a lot of pre-summer camp fees to pay for registration, so there was a bit of spending there, but we’ve got that budgeted, so it isn’t like we weren’t prepared.

Savings

Where we landed at the end of March:

Regular Savings  :: $     165
Emergency        :: $      00

Total Savings      :: $   165

That’s $25 less than we wanted and a lot less than we wanted for the Emergency Fund, but the new car purchase impacted quite a bit of that.

Saving $$$ on Kids Clothing!

So, in the quest to find ways to both save money AND positively impact the environment, we found ThredUp! It is a great way to buy clean, used kids clothes that have gone through a good screening process. 

We’ve been really pleased with the quality. My first order was $39 for eight pieces (and that includes shipping & handling). Plus, they include a bag in each order that you can use to send back your own gently used clothing for credit or cash!

Here is a link if you want to take a look: http://www.thredup.com/r/JED7Z2 

 

Affordable Meal Planning

I’ve posted about meal planning and food costs before because it is our #1 money pit budget-wise – well, “actual-wise” really…

I added a new banner advertisement on the right of this blog because it is something that we have used for health and to keep costs down.

A few years ago, I wrote about e-meals (then it was called e-Mealz) and we were excited to try it out. It was a GREAT time saver, and we found that it did keep us more on track when we were disciplined enough to actually buy all the ingredients in one day and plan during the week. But then we got kids…

And it went on the back-burner.

Then, I started back on Weight Watchers and used the Portion Control version. But then we found out that we had to move to a non-processed diet to help our kids with their special needs.

And it went on the back-burner.

But then…they came out with their “Clean Eating” plan and we were back in business!!!

So, here I am to remind you about them, because I am so pleased that they have adapted so well to what the consumer needs, all while keeping costs down. Click on the banner below if you want more information, and if you try it out, let me know what you think!

eMeals - Easy Meals for Busy People!

I’m back, but without the stabby…

Hey there!

I can’t ever hear the words “I’m back” without seeing Jack Nicholson’s face at the door, so I wanted to clarify that my declaration was not of the murderous variety, but just to let you know that while I’m not going to be able to blog up to the level that I want, I can am going to try to do the monthly updates AT A MINIMUM.

Here are the updates:

  • My husband got a job at the beginning of the year after 10 months of not working! (slightly more income than unemployment, lol)
  • Our adoptions were finalized! (losing our foster care payments, but gaining two special needs kids)
  • I’m on track to graduate this year!
  • Our car is breaking down (my husband is the total champ, filling it with water everyday, instead of paying the $2,000 to get our 11-year-old, 190,000 mile Saturn repaired).
  • We’re hoping to move this summer to a place that has storage and a yard (rental – we’re in no position to buy).

There’s the brief update – thanks for hanging in there if you are still reading!

February 2013 :: Report

Debt Reduction

Here is where we were after 2.28.2013:

Credit Card Debt               :: $    18,723.66
Taxes Owed                   :: $            00.00
Car Loan                        :: $       9,381.81
Tuition                           :: $       1,705.66
Personal Loans                 :: $           00.00

Total Debt*                        ::  $ 29,811.13

*does not include school loans

_______________________________________

Budget

I’ll have to come back to this – I wanted to get an update out there and not have anything else delay me, so this will wait 🙂

Savings

Where we landed at the end of February:

Regular Savings  :: $     140
Emergency        :: $      00

Total Savings      :: $   140

Numbers Update :: 8.15.2012

The Numbers

And here is where we are at as of 8.15.2012:

Credit Card Debt    ::  $ 21,095.20
Taxes Owed              ::  $          00.00
Car Loan                     ::  $ 11,275.68
Tuition                        :: $     1,705.66
Personal Loans       ::  $          00.00

Total Debt*              ::  $ 34,076.34

*does not include school loans

Budget

We put together a budget in mid-July as we found that things had calmed down enough to start taking a serious look at what was going on with our money.

Savings

Here is where we are in savings

Regular Savings  :: $      35
Emergency           :: $    208

Total Savings      :: $    243