Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts

Tuesday, August 21, 2018

Grocery Shopping - Writing Challenge, Day 9

I'm going to recycle a post slightly here...but our meals have evolved a little bit since I posted this about meal planning and grocery shopping

I had a friend ask me over the weekend how I go about our meal planning and cooking.  I've slacked a lot on this the past month or so - we've eaten out a lot.  But this pay period, I decided to get back at it.  So, I looked at the sales going on at Kroger, picked out the stuff I thought would get us through the next two weeks, then went in search of coupons for those things that I'd added to my list.  That way I'd get the sales savings plus the coupon savings.  I focused mainly on meats because I knew we had a few things that could be made as sides here at home.  

Grilled pork tenderloin, baked potatoes, Brussels sprouts

My list looked like this (thought with a lot of scribbles about prices, weights, etc.!):
  • Beef chuck roast
  • 3 lb roll of ground beef
  • Kroger Seasoned/Seared Pork Burnt Ends (pre-cooked thing I thought we might like...that ended up being kinda ehhhh)
  • Bag of frozen chicken breast
  • Boneless pork chops
  • Boneless pork tenderloin
  • Deli chicken breast
  • Corn bread mix
  • Frozen brussels sprouts
  • Frozen green beans
  • Tomato juice
  • Pinto beans
  • Russet potatoes
  • Milk

We got all of this and a couple of other things for $62.79.  I had to pick up a couple things I didn't think about the next day, so really altogether probably around $70 total was spent...not too shabby for two people for two weeks.

After I'd made my list, I took a look at which days I needed to make dinner for (obviously most of them) and planned what I'd use from the list and what we already had at home to make on what day, and from there, which meals should yield leftovers for a day or two.  I have our meals planned on the calendar on my phone so it's easy to edit the "menu" if need be.  But so far, we're right on schedule and have plenty to get us through.

Pot roast with potatoes

I pretty much just planned the main course for each meal and decided to leave sides up to whatever we're feeling like having each evening.  But some of the meals on my calendar are:
  • Buffalo chicken (crockpot) + leftovers
  • Pot roast w/potatoes (Instant Pot) + leftovers
  • Chili (Instant Pot) + leftovers
  • Grilled pork tenderloin + leftovers
  • Grilled pork chops
  • Grilled chicken
  • Tacos
  • Brown beans (Instant Pot) and cornbread + leftovers
It's pretty simple, but I feel pretty good about the results!  And the pickiest eater in the world who lives with me seems content, so that's a win in my book!


Tuesday, December 12, 2017

How I Plan Meals and Grocery Trips

A couple days ago I posted about how one of my goals for 2017 was to cook more at home in the interest of trying to save money.  It's been a pretty huge success.

Darryl and I kind of have a rotation of the same meals we normally do, but I've tried a few new things that have been big hits with him (seriously, pickiest eater in the world, so when he really likes something, it's a big deal).  We usually do simple things - some staples are pizza, Hamburger Helper, grilled chicken, tacos, burgers, etc.  As far as sides, it's stuff like frozen green beans, peas, mac & cheese, fries (usually fresh cut), baked potatoes, etc. 

Before I started doing this meal-planning thing, we'd go out to CJ Maggie's, Beander's, Applebee's, Burger King, DQ....or we'd order pizza in from Domino's, Papa John's, or Pizza Hut.  It varied, and it wasn't every night, but even a few times, even for just the two of us, adds up really quick. 

So I started trying to plan for the kind of food we might get if we went out, but that I could make at home.  Insert meal planning stage here.  I don't do this part with an app or on the computer - it's all old fashioned, drawing out a grid on a blank piece of paper and inserting the dates, usually just for about 15 days or so (basically a pay period for us - we grocery shop right after we get paid so we get everything we need and don't have to go back until the next paycheck). 

I check through what we have on hand if I can't remember off the top of my head, and I try to plan for that stuff first because that's something I know I won't have to buy.

I start putting in what I want to make for dinner each night.  I don't typically plan lunches unless it's for Saturday/Sunday.  We come home to eat because we both only work about 5 minutes from our house, and we usually just eat something quick and easy to make, so when we shop, we just grab stuff we know is quick and simple.

I fill out my boxes with meals I know we like, and a lot of times, I'll pick a day or two to try something new, but other than that, it's tried and true stuff.  I like fixing stuff at least a couple days that I know will give us leftovers so we can have it for lunch or for dinner the following night and cut down on some time cooking.  Taco soup, brown beans, or shredded buffalo chicken are usually my go-to's for leftover meals.

Once I have everything planned, I go through and make a list of things I know I don't have to make the meals with.  After I've figured out what groceries we need, I check around the house for any household items we might need and add them to the list.

When I really go all out, I use the Flipp app on my phone to go through the circular adds for the stores in my area to see if anything I need is on sale.  Every cent counts, and it adds up when you find multiple things. 

The apps I use the most for price-checking are Flipp for sales, and Kroger and Walmart apps for general price look-up and comparison.  And FYI, Kroger and Walmart's store brands are usually just as good as other regular brands.  For the vast majority of stuff we get, if I can get a store brand, I at least try it once, and I've not often been disappointed.  I'd rather do that than pay extra for a name when it's going to end up tasting the same.

Unless I see that it's cheaper somewhere else, we usually go to Walmart or Kroger for what we need.  I have a Kroger account, so their stuff is priced pretty well, and with Walmart, I scan in our receipts and let it find if it's cheaper somewhere else and credit me for it on my account.  I'm currently saving up my money I get back from Walmart so that if there's something we need for the house that we can get there, we'll have a little to put toward it that's not out of our pockets.

So once I've gone through and price-checked things and double-checked with Darryl that there isn't anything else he can think of, I usually see what each thing will cost and add it up.  Stuff that's specifically for me or for the dog that I take care of, as well as stuff Darryl gets that I know I don't use, is left off this list.  Everything else gets added up and divided by 2. To Darryl's half I add his specific stuff so he knows about what he'll be paying.  Then I take my half and add back on my and the pup's stuff so I know what my portion will be. 

If we get other stuff when we go to the store, we just sort of keep track of what's just for each of us and what's for both of us and figure it up real quick when we check out.  Darryl's portion goes on his card, and mine goes on mine.  We just ring everything up together and tell the cashier how much we want on the first card and whoever goes second takes the remaining balance.  It probably sounds pretty complicated, but since we already know about what to expect when we go in, it's a lot easier, and we usually stay fairly close to our list, since that was the whole point of making it in the first place!

Once we get home, I portion out anything I'm going to freeze (so basically, any meat not going to be used in the next 2-3 days), so that I don't have thaw an entire package of hamburger or chicken for one two-person meal.  Everything else gets put away, and voila!  Done until next time. 

Our budget has to be pretty tight to afford the things that we have.  We work hard to have what we have, so we have to make every penny count or it doesn't work.  I know a lot of other people are in the same boat, so what do you do as far as planning your shopping trips?  Does anyone else have a routine they follow to save money besides just making a list?

Sunday, December 10, 2017

Happy December

Happy December! I can’t believe it’s already almost halfway through December and 2017 is almost over! This year has absolutely flown by!

I’m not really sure if I’m going to do a traditional year in review this year.  If I do, I’ll post it on January 1st, but let me just say, that while this year hasn’t had a lot of milestones, per se, I feel like I’ve accomplished a lot. 

Darryl and I have worked pretty hard to get more work done on our house.  When it comes to manual labor, it’s mainly him, and he’s pretty awesome at tackling things.  I help more with the brainstorming and planning parts of things, and I do a lot of designing how our rooms are set up/decorated. 

You’d think that this long after buying the house (we’re at a year and 8 months already!) we’d have everything just so, but that’s soooooo not the case. Most of the big furniture stays pretty stationary, but we tinker with moving other stuff around all the time. I think I’ve rearranged my half of our home office 3 times this year. I think I’ve FINALLY (literally, today) got it the way it’s going to stay.  The only room that really needs work now is our spare bedroom.  It’s usable but also is kind of our catch all room for things until we get around to find permanent places for them.  Out of sight, out of mind!

I’ve worked pretty hard this year to cut down on our money spent eating out. I’ve really worked on meal planning for the pay period and making sure we get everything for those meals and whatever household or pet items we need on one big shopping trip after we get paid, so we’re at the store less and therefore less likely to buy a bunch of little things that we don’t really need. 

I made it one of my goals for 2017 to cook more and try to save money by cooking at home, and I try to focus on simple things that don’t have a ton of ingredients (less money spent and more likely to be eaten by Darryl, who is the absolute pickiest eater I’ve ever met!).  I’ve started using my crockpot a little more, and I actually ended up using ALL of them (I went from having one to having 3 when I asked for another one at Christmas last year, then we won a tiny one at Darryl’s family reunion a few months ago) during Forest Festival this year.  

All in all, the meal planning and limited shopping trips plan has seemed to work pretty well.  I know after we go to the store that I have enough food to cook for us for two weeks (I just freeze whatever won’t keep in the fridge for that long). We don’t always follow the meal plan exactly, but the stuff is there whether we make it in the right order or not, and if we don’t use it all, it’s less we have to buy next time!

So, yeah...to some, this stuff might not seem like much, but honestly, it’s been kind of huge for us. We were wasting so much money ordering in or going out to eat, and doing it this way, we split our shopping total down the middle, he pays for half and I pay for half, and we usually don’t pay more than around $65 each (and that would be on a big trip when we need more stuff than usual!). Do that twice a month and compare the numbers to what we spend on restaurants and it’s a big deal, especially on a limited budget. 

I’m thinking of writing a bit more about it later, because my whole method is slightly more complex and could probably be fodder for its own post!


How has everyone else been doing with their 2017 goals?

Friday, February 13, 2015

Work Hard, Play Hard

Life has been busy busy busy lately, but in a good way.  I’m so happy with where I am now and what I’m working towards.

I’ve been working hard to be able to afford the things that I need and the things that I want to do.  You have to work hard to play hard, and the things I want to play are expensive (horses, working with animals, etc.).

Right now, all I can afford with Orion is to board him and keep up with feed.  I’ve been trimming him myself, so that’s one cost down.  I plan to have his farrier out in the next few months to check him out officially, but I think he’s doing fine for the time being.  Since it’s been cold, his legs have been fine.  That cold seems to have the same affect as icing or clay poulticing his legs would - it keeps them cool and tight rather than allowing them to get swollen/inflamed as they occasionally do.  He hasn’t had a flare up for a little while now, which is good.  I’m saving up for more feed/supplements/gear to help him out in that department and to be able to do more with him.

I’ve been studying like crazy and acing all of my tests for my vet assistant program.  I love the material I’m going over, even the office stuff.  I’ve been looking at the syllabus for the course lately, and I know it’s about to start getting into tougher stuff, but I’m up for it.  I love what I’m doing.  The idea of working with animals, medicine, and getting to do office stuff? Heck yeah.  It pretty much rolls all of what I love to do into one, and I can’t wait to actually get a job in the field and start.

I’ve been working as many hours as I can get at work, and budgeting like crazy every day.  I’ve been paying super close attention to my budget (I’ve created a living, breathing Excel-sheet that is tweaked and updated every day or every other day) and attempting to only spend what I need.  I make the occasional Sheetz run, but for the last few weeks, that’s about it.  I got my yearly raise, and that has already started helping!  Tax refunds are awesome, and I’ve never appreciated them more than I have this year.  I finally am able to pay off all of my hospital bills from last summer because of the tax refund, and that feels so good to have it not hanging over my head anymore!  Part of what’s left from the refund will go toward my student loans, and the rest will go into savings.  

I’ve also been working hard to try to get back into shape and give one of the dogs in my apartment a little exercise each day.  Walking is invigorating and cathartic, and I love it.  So far this month, I’ve walked around 14 miles and have no plans to stop at that.  I use my Endomondo app to track everywhere I go and have joined a few challenges on there to motivate me.  But really, the biggest motivation comes from the fact that I can see and feel my body changing, even if it’s only in little ways right now.  The fact that it’s an amazing feeling being outside again (even in cold temps - I know how to layer and keep warm. Haha.).  Sometimes I seem to be the only one out walking because of the cold, but that’s fine with me.  I like it.

What has everyone else been up to lately?

Summer Hiking and Camping in West Virginia

Hello, friends. :)   I mentioned last post that I've been scouting out hiking trails for my family on AllTrails and other resources late...