Paying Down Debt

Why is paying down debt so hard? Oh, I know why. Because it’s so heavily marketed to always be in debt. Not just that, but it’s so nice to not always have old stuff. Like, I want a new car… I want some new clothes, shoes, and whatever else costs money. I want it! Anyone else?

I know my husband hates when I put our finance out into the open for everyone to see, but that’s exactly what I’m going to be doing in this blog. (Sorry babe) 🙂

At the end of April (my birthday to be exact) we had gone through our entire starter emergency fund ($1,000) and spent it all on useless stuff that we probably couldn’t even tell you what we got with the money. Around the same time, we maxed out our only credit card. It was basically maxed out, but we had maxed it out completely. Like, there was $15 left on it, and then when the interest cleared on it, it went negative — which means we spent more than what was on the card. It was completely maxed out. When you run out of money and fake money and all you have is maybe $5 in checking… Things start to get a little stressful. That’s where we were.

With my husbands last paycheck in April, we had to use it to pay rent, internet, car insurance, and gas. We had no extra money to put anywhere else. Luckily I’ve been putting aside grocery money once a month into a separate account so we always have around $70 for groceries each week. Regardless, we were sick of being out of money so we decided to kick our butts into gear and start getting back on track. We needed to get our starter emergency fund back up to $1,000 and we decided we are going to start kicking all our debt to the curb. We are sick of paying $700+ each month just to debt payments! You wanna know what we did? We sold (and still currently have posted) all the items in our house that are worth any amount of money. Things we are still paying for on our credit card, we sold. But guess what? With all of our selling and a couple hundred dollars from this last paycheck we got, we have reached our $1,000 and it’s only been two weeks.

We have all of our debts lined up in one of my 10,000 notebooks that I have laying around the house, and we are going to do what Dave Ramsey says to do (kinda) and pay them off from lowest to highest using the debt snowball. The reason I say kinda is because we won’t be paying off our smallest debt first. We will be keeping that one until the very end to pay it off so we aren’t tempted to use it. In case it wasn’t obvious, that is our credit card. Now, I know you might be wondering, “If you’re doing Dave Ramsey, why don’t you just cancel the credit card and pay it off first like he says?” I have a very good explanation for it. If we want to get a house, we have to have good credit. If we cancel our credit card, our credit drops… a lot. If I keep it maxed out and only pay the minimum payment on it each month, we won’t be able to use it, but it’ll still be considered as revolving credit and eventually we will pay it off completely and cancel it, but as for right now, we are keeping it in the safe, locked, and unusable.

What else would you like to hear about when it comes to paying down debt or Dave Ramsey? I’d love to do multiple blogs answering any questions you have.

Thanks for reading, and I’ll catch you next time!

Utah Housing

Hello after a much needed break. I’m going to talk very little about Utah housing and more about my living situation, which kind of is Utah housing ish.

About a year ago, apartment prices started going up. They were getting out of hand, or so I thought… little did I know this year would be wayyyy worse. Anyway, we got a call from an apartment that only cost $1300 for a 3 bedroom and so of course we took it. We no longer wanted to pay $1800 for the 2 bedroom we were living in. Crazy, right?

So we’ve been at this apartment for almost a year as I said, and so our lease either has to be renewed or we gotta move out. I called today and asked what the renewal price would be, and since it’s still like 3 months away, they aren’t able to tell me what it will be because it will likely go up again. What do I do then? I ask what it is right now…. It’s $1550. It’s gone up $250 since we moved in less than a year ago! And it’s only going to go up! I know that’s still basically the cheapest 3 bedroom apartment in all of Utah, but we aren’t rich…obviously.

Today I decided to go look around Utah county since that’s where my husband works (we currently live in Salt Lake City) so the commute is about 40 miles twice a day from him during the week. Guess what the cheapest 3 bedroom apartment is going for in Utah county… don’t guess, I’ll just tell you… around $2000 FOR THE LOWEST COST! Crazy, I can’t afford that! But do you know what I can afford? A studio!

I’ve got a baby on the way that’ll be here in 2 months, and a soon to be 4 year old. Can you imagine how tough it’ll be to live in a studio with the 4 of us? Well, I’ll keep you all updated, but I think if I get my way with my husband, we will be living in a studio. Studios are going for around $1200-$1300 a month and that is much more in my price range.

Wish me luck and also, wtf Utah?

Thanks for reading! Catch you on the next one!

A Successful Shopping Trip

Hello steady comers and new comers! I’m going to give a run down of the last few blogs I’ve posted and then I’ll be going over what the title is talking about, for those of you who haven’t read every blog I’ve posted, this will make this blog make more sense.

So first of all, over a month ago my husbands work hours were cut. We lost about 15 hours of work per paycheck and that was a few hundred dollars each month that we are missing out on. On top of that, we recently found out that for the birth of our soon coming son, we have to pay $6,000 out of pocket. The day I found out that we had to pay the entire $6,000 for the baby, I also spent half my savings on other hospital bills. Which was only $600ish, but still, seeing our savings under $1,000 made getting to $6,000 even more stressful.

With all of that being said, we’ve had to cut back quite a bit. We’re losing $600 a month in pay and we also have to save $6,000 by the time the hospital bills start coming in which will be soon after baby arrives…. and to make things worse, the baby will be here in 9 weeks. It’s a little stressful, but it’s fine.

When we first started budgeting we had cut our grocery fund from $1000 a month to $550 a month. We had to stop our food delivery service that was $68 a week (Every Plate) highly recommend. We also had to start eating what we had in our food cupboard and stop eating out as much. We could easily eat out 5 days a week, but we’ve successfully cut it down to once a week for the last month.

Unfortunately our money still wasn’t going far enough by cutting our groceries down to $550. We would only be getting around $200-250 into savings each month and that’s just not enough, so I made the really tough decision to cut our grocery bill down to $350 for the entire month. That includes $60 worth of diapers. We have gone from just over $100 a week in groceries to $72.50, and I thought $100 was hard.

Luckily my mom came over the day after my husband got paid and the day before we went grocery shopping and she organized our entire food cupboard for us, so that was a nice refresher to see what food we had as well as cooking items to see what we could make to help our money go a little farther. (I’ll have her link and her amazing work down at the bottom.)

We sat down before grocery shopping and wrote our a list of things we want to eat for lunches and dinner for the week and then what we needed for each meal. I always like to write out our entire shopping list and then put the estimated number next to each item so I have an idea as to what we will be spending on the groceries. Then I’ll go onto the app of the grocery store we go to and collect any coupons that match the items on our shopping list. After I’m done looking at the hundreds of coupons, I’ll go to Ibotta and click on the rebates of what I think I’ll be getting at the store. Sometimes I wait until the end of the shopping trip to go on Ibotta, but regardless a couple cents of rebates each week really add up.

Finally, this weeks shopping trip. We had $60 budgeted for diapers and the diapers were only $25 and change each, so we spent probably around $54. We decided to do a little splurge and each get our own bag of easter candy so that total at Walmart (where we buy diapers) was $59.91 or something like that. So, technically we will still under budget, but not over! Then we left Walmart and head straight for the grocery store. We got everything we needed and even an item that I’ve been putting off for a little too long… and our total came to just under $67! Our budgeted amount was $72.50. The best part about it all was that it wasn’t even hard! Maybe it was just because we’ve been working on getting better for over a month now, but we did it and I couldn’t be more excited about it.

Thanks for stoping by and sharing my excitement. Below is the picture that I promised about my moms amazing work in my tiny little cupboards. I also connected a link to the blog that she has to go along with organizing my kitchen. Give her a like and a follow. Thanks for reading! Catch you on the next one!

Today Is Payday

Today I’ll be sharing with you what I’ll be doing with ever cent of this paycheck. Here we go!

The paycheck was around $1780, and we have an additional $50ish in the bank because I had cancelled my WordPress premium account. So our starting total is $1830ish.

This is the paycheck I use for 95% of my bills and all of my debt so all the money that we got paid will be mostly out of the bank by the end of today.

The first matter of business is paying our car payment. Unfortunately the account that my car loan is in isn’t connected to the accounts all my other banking is in, so I either have to go to the ATM and withdraw $320 and deposit the amount into the ATM of the bank where the loan is. My other option is to write a check for $320 and mobile deposit that into the app through my phone. I’ve done each way a few times, but personally I prefer writing a check, it’s quick and easy, however it does take a whole week to be taken out of my bank account. Luckily I’m fairly good at not spending already spent money.

Next two items are my credit card and bank loan that are within my actual bank account. Since I’m trying to save up for baby coming in two months, I’ll be paying the minimum payment on each of these. For the bank loan, we will be paying out $140 which is usually $165. And for the credit card, we will be paying out $50 even though I like to usually pay $100-$200.

If you’re trying to do math in your head, I’ll save you the couple seconds. We are now at $1320 remaining. Another thing is that I am paying these as I write them out to make sure that they all get paid. I wouldn’t want to forget something!

Time to pay all the utilities. The power bill hasn’t showed up yet, it usually gets here on the 20th or 21st of the month, but I will pay that when the time comes. I like to give an estimate of what I will be paying, but also I like to overshoot the estimate so that I know I have enough, so let’s say $55 for the power bill. And my energy bill is paid at the beginning of the month, so I won’t be paying that currently either. I guess the only utility bill that I will be paying is the water, sewer, garbage bill that comes with my apartment. Another $49 gone.

Now, my last bill for this month. My phone bill. It is on auto pay for the extra couple dollars off each month, however I like to pay it early each month so that I don’t have money in my bank account that I think is mine but actually isn’t, but like I said, I am fairly good at not spending the money, I just don’t want to have to remember toooo many bills that will be coming out. Just under $140 for the phone bill and that puts us to $1076.

Since gas is going up still and my husband hasn’t been taking the train to work, I need to budget a little more for gas than I’m used to. I’d say we need to set aside maybe $100 for the next two weeks? Maybe $120? I’ll stick with $100. That’ll put as at $976 to split between savings and our grocery account.

If you’ve read any of my blogs, you know that we are seriously cutting back on groceries and in my last blog I think I said we will be doing $350 for groceries for the next 4 weeks, so that leaves us with $626 for savings.

However, maybe I will set aside around $60 for going out to make sure that we don’t go against our budget. Okay, I will do that. I don’t need the guilt of going over my budget, so I might as well budget for what I know is going to come out. Which means only $566 will be going into savings. Still, that’s a ton more than expected!

Thanks for reading all about my budget for this week. Let me know in the comments if you enjoyed reading about it and would like to see more weekly/biweekly budgets in the future. Catch you next time!

Cutting Back Even More

In my last few posts, you would have read all about how I have cut my grocery bill down to $550, then $500 and now ladies and gentlemen, it’s going even lower than that.

Recently we’ve come into a little bit more food storage than we are used to in this household, which means we don’t need as many groceries. We have a ton of beans, a ton of rice, a giant bag of brownies (that’s all we need, right?). I’m totally kidding, I know we will still have to go get stuff to flavor our beans and rice like tomatoes, onion, cheese, however, that won’t cost $100 a week. Maybe $50-$75 a week.

$350 is the number folks. $350 is what we will have for the entire month for groceries as well as diapers for the month. That’s scary for me because I know that cutting back so much will make me want to splurge and go crazy, but I can’t.

As long as I keep writing blogs about budgeting, I am keeping myself accountable to my budget that I have created for me and my family. Wish me luck, because I know this is going to be hard.

Thanks for reading this short little blog! Catch you on the next one!

Binge Eating VS Budgeting

Photo by Erik Mclean on Pexels.com

Binge eating disorder vs budgeting? If you don’t know, they are way more similar than you know. Okay, maybe not for everyone, but definitely for me.

Growing up, I was a heavy kid, at least I thought I was, and thinking that I was turned me into actually being heavy. I was always on some sort of diet since before I can even remember. Maybe like… 8? Anyway, failing diets comes with trauma, and then comes binge eating some how… I know you might be asking yourself, like, “lady… what does this have to do with budgeting?” I’ll get there, I swear. But first let me explain to you what binge eating is incase you’re not familiar with it.

The dictionary says, “a period of excessive indulgence in an activity, especially eating, drinking, or taking drugs.” Now, I’m not over here doing drugs, but I am consuming a lot of calories, usually late in the day. The act of binging usually comes after a day of restricting myself from certain foods, like candy, or chips, or anything that might be considered “bad”… Luckily during pregnancy I have overcome binging, I think, and I just eat when I’m hungry and eat what sounds good in the moment and I stop when I am no longer hungry. Now, why is this like budgeting? Let me tell you!

I’m going based off personal experiences, just so you know.. but these are actually related very closely. When you go from not tracking your finances to tracking religiously, it’s not too easy. It’s like going on a financial diet. If you’re not committed to this “diet” with your all, you might feel the need to binge on some clothes, or fast food, maybe a random outrageously priced item that you wouldn’t have purchased otherwise. Since I started my recent budget about a month ago, I’ve messed up a couple of times, but I won’t let that stop me from trying again like I would if I failed on a weight loss diet. Probably because I’m learning and maturing..maybe.. or maybe it’s just because I’ve got a baby coming so I need to focus on getting my savings up. I have a purpose, maybe that’s why. You’re learning along with me, so, buckle up and enjoy the ride. Back to my mess ups within the last 4 weeks, I’ve spent (binged) on fast food, and Sally’s Beauty Supply. However, it has only been one mess up each week and then I get back on track, which is the best thing you could do!

Anyway, I’m going to share with you what I’m going to do to help resolve my budget binging… It’s the most simple resolution. Listen… I’m going to… wait for it… budget for eating out. That’s the craziest easiest resolution that I could think of. Who would have thought? Kind of like the resolution I got for binge eating, I’ll eat what I want when I’m hungry and then stop when I’m no longer hungry.

If this helped you at all, let me know in the comments! I know that not a lot of people suffer with binge eating, but I know a lot of people struggle with budgeting, so let me know what you think! Thanks for stopping by, catch you next time!

Why It’s So Important To Budget

Have you ever left your room dirty for so long that when you finally clean it, your life feels fresh and new? That’s how it feels to budget. How? Well, it’s simple. Let me explain it to you. And at the end you’ll find a link to my moms blog if you also need help organizing.

Imagine… You’re sitting in your car after a week of not being paid. You’re already out of money. Where the heck did your money go? It’s hard to remember that you went to Starbucks 3 times this week, or that McDonalds was the closest thing to your work at lunch time, so you got a few things off the dollar menu a few times this last week. What about the fact that you had munchies this last weekend, so you went and grabbed some chips and candy from the grocery store? It’s hard to remember spending all that money on all those little things because they’re all under $10 each time. That can’t add up to too much, right? … Wrong.

Now imagine having a little notebook that you keep your budgeting in. You budgeted $30 per week for going out. You know that you’ve got that much set aside so you’re able to use that until it’s gone. Maybe you want to go to Starbucks 3 times this week and instead of getting a Tall drink like you’re used to, you want to treat yourself and get a Venti each time… That’s about $9 per time depending on the drink you get. If you know that you want to spend your entire weeks budget just on Starbucks, you’ll be more likely to make the conscience decision to meal prep and get lunches ready for the week.

I won’t lie to you, budgeting requires a little bit of a mindset shift. You have to be willing to take the time to work out your finances if you want them to go how you plan. But let me just show you how nice it is to have an organized budget to maybe give you a little bit of motivation.

I have each of my bills that need to come out this week written on my weekly budget tracker that I will link below if you’re wanting to give it a try. I have the total amount to each thing that I know the total of. As the week goes on and I find out the total of the remaining items, I will fill them in as well as the remaining balance so that I know how much I have to work with after everything is paid.

Now imagine one last time. Your room is clean and organized. Your desk has nothing on it except this weekly budget tracker and a pen and well, maybe a calendar so you can keep track of which week you’re working on and which bills have to come out that week.

Something my husband loves that I do is make sure all the bills are paid as soon as he gets paid. When him and I were dating, all of his bills were late by a lot, and his credit was in the low 400’s. I didn’t even know that was possible.

Anyway, let’s get back to that room that is so nicely organized. Well, I did say imagine, haha. If you need help on organizing your space, click this link to my moms blog which is all about organizing your home! She gives excellent tips and tricks and what to do with the spare spaces in all spots of your home.

YNAB VS EveryDollar

I am going to start off by saying, I know these are fairly different when it comes to budgeting, however, they’re both zero based and both very good ways to budget.

EveryDollar does have a leg up in my mind because I have used it, however YNAB is extremely popular and I’ve done my fair share of research on it.

If you’re unfamiliar with each ‘program’ for budgeting, I’ll do my best to explain each one as well as what I like and dislike about each one.

YNAB (You Need A Budget) is a budget based on the money that you have in this current moment. It isn’t a forecasted budget. You can’t guess the amount of income you might have coming in, and you can’t guess the amount going out. It’s a zero based budget for all the money that is there now. I hope I explained that well enough. They offer a 34 day free trial, however when the trail is over it’s around $98 per year which isn’t too bad considering it could potentially save you a lot of money in the long run.

EveryDollar is a budgeting app created (I think) by the Dave Ramsey crew. I’m just going to assume that if you’re reading about budgeting then you know who Dave Ramsey is. This app is also a zero based budget except they do allow forecasted budgeting. You fill in the budget before the beginning of each month (the whole month) and you just kind of have to guess what will be coming in and going out that month, just like normal budgeting in my head? EveryDollar has a 14 day free trial but after the trial is over, its around $130 for the year. This $130 includes all the baby step tools as well as Financial Peace University (online courses), so that’s a pretty good deal.

In my opinion, YNAB is a whole lot more intricate, however, the layout kind of gives me anxiety. If you’re not familiar with what the layout looks like, I’ll post a picture I found within Google images here:

Although this picture is fairly small, all the pictures I saw on Google were just this picture except a full page length. Maybe it’s just because I have dyslexia, and maybe not, but this layout is overwhelming for my eyes and I am sure not a fan. However, I do like their budgeting tactics.

With EveryDollar, I find it to be a very simple and user friendly process. Comparing these two platforms is kind of like comparing Apple products and Windows products. They do basically the same thing, except one is way more extreme than the other. EveryDollar is the simpler version. The picture below is just a photo I screens hotted from the Ramsey Solutions website. It shows how each category is written out and just all around how simple it is. Also, way easier for me to read with all the words being spaced out more.

If I’m being 100% honest here, I can’t choose if one is better than the other. They are both awesome in their own ways. Everyone is going to prefer something different when it comes to budgeting, and neither of these are a one size fits all budget. I think creating a one size fits all budget would be basically impossible. Let me know down below which one you use, if any, and why you prefer one over the other, or if you didn’t even know that one of these, or both of these existed. Because I’ll tell you right now, up until today, I didn’t know YNAB was a thing. But now that I’ve done some research, I am confident that I like the simplicity of EveryDollar better, that’s just me though.

If you think both of these are too complicated, hop over to my Etsy account and check out my monthly budget tracker as well as my weekly budget tracker based on what you prefer.

Thanks for stopping by! Catch you next time!

Grocery Trips Since I Started Budgeting

Photo by Matheus Cenali on Pexels.com

Warning, this may be extremely boring, but our most recent shopping trip is the one I am most proud of. Read to the end to find out what happened!

The budgeting all started to get serious when the money stopped coming in as much. We cut down our grocery bill to $550 a month. $400-$450 for groceries, maybe a little more, and the rest for diapers and stuff for the dog. Read how we sucked at first but are starting to get the hang of thing, and a special thanks to my mom for sharing some of her food storage with us, and also to my husband parents for sharing my husbands favorite bread with us so we didn’t have to buy it. Love you guys!

The first shopping trip was on February 19th and we spent $104.69. We weren’t really sure what meals to be cooking so we bought a very wide variety of things that don’t really make sense.

  • Hot Dogs
  • Chili
  • Cheese
  • Eggs
  • Potatos
  • Ramen
  • Pasta
  • Pizza
  • Ice cream
  • Cheeto’s
  • Corn dogs

Besides fruits and veggies, that was the majority of our shopping. If you go and read my blog about meals to eat when on a budget, these were the meals I was going off of most. We had a very small list of meals planned out for this week, but we stuck to it for the most part.

Boring first week, I know, but this week gets a little more crazy. We must have been shopping hungry or something because we didn’t stick to the shopping list. February 26th we spent $117.49. We went a little crazy on the sweets, and well, you’ll see.

  • Reese’s Eggs (my husbands must have snack)
  • Starburst Jelly beans … (easter candy is so hard to pass up…)
  • Brownies (my body is cringing just making this list)
  • Cake
  • Pizza (Red Baron for our lazy days that we don’t want to cook)
  • Cereal (Cinnamon Toast Crunch is soooo expensive!)
  • Fruits
  • Veggies
  • Body Wash
  • Paper Towels
  • Garbage Bags

The list goes on, however, I feel like we just always get the same things each week like cheese and sausage for my husband to take to work, and … other stuff that my brain is not remembering in this current moment. Anyway, that list was hard to write, but no one is perfect! We are learning and at least we are trying. Also, we were mostly within budget, so I consider it a win.

Random Walmart trip on the 5th of March for diapers and potty pads and maybe a little toy for my son…. $54.78, not bad. Probably the least amount of money we’ve ever spent at Walmart.

Now for the next boring trip. March 5th again, but Smiths Grocery Store this time. $103.19 and we are absolutely killing it with the low totals. On this shopping trip we focused a little more on buying items that my husband needed to make snacks for work. We also got a few things for my toddler (he’s an extremely picky eater). We also got a bunch of repeat items that we seem to get each week.

  • Gummies
  • Velveeta Mac n cheese
  • Mini corn dogs
  • Popcorn chicken (each of these above are all for my son)
  • Honey
  • Peanut butter (these were for my husbands home made work snacks)
  • Cheese
  • Sausage (my husband likes to bag these up for work snacks as well)
  • Chili
  • Cornbread ($0.59!)
  • Mouthwash (forgot the $1 off coupon)
  • Fruits
  • Veggies

Now is the time, my friends. The shopping trip from last night that I am extremely proud of.

First of all, I’d like to mention that this was our final shopping trip with the $550. We had $124 left and we spent $123.37. The only reason we were able to get it so close to being under (besides on the in store coupons) was because the Best Foods mayo had a $1 coupon.

This list of groceries isn’t going to be a list like the rest of them. We always get so many repeat items. The cheese and meat, the fruits and veggies, velveeta, etc… This time we got some milk, I mean, we always get milk, but when we get milk, we buy it for the $3.50 a gallon that it is. Want to know what was so great about the milk that we bought last night?! There was a coupon (able to be used 5 times in one transaction) that was $0.87 per half gallon. Usually we spend $10.50 on milk, but yesterday we got only half a gallon less than we normally do, and we only spent well… under $5! What a freakin deal!!

We always buy a 60 count of eggs every 3 weeks or so, and their price jumped to $10.50. But guess what, they were on sale! $3 off!!

One last thing I’d like to mention about last nights shopping trip is that there was rotisserie chicken for $7.99. They had a deal where you could get two for $10. That’s a really good deal, but why waste the $2 if you’re not going to use the other chicken? Did I do the right thing by not getting the chicken? I think so! Didn’t you see how close we were to our budgeted amount?! Only a few cents off!

Alright, well that has been our journey of grocery shopping for the last month on a budget. It’s been hard, but I think we are getting used to it. Make sure to check out the link I posted at the top as well as my blog Grocery Shopping On A Budget which I will link below, and you’ll be an expert when it comes to shopping for groceries on a budget in no time. Remember, it takes a little time and effort and no one is perfect. Thanks for reading, friends! Catch you on the next one!

Nobody’s Perfect

When it comes to budgeting and trying to get out of debt, I feel like everyone has their slip ups eventually. It’s really hard to stay on track when you go from eating out 5 times a week to trying not to eat out at all. So I’m going to tell you about how I’ve done over the last few weeks with starting a new budget, and cutting out a lot more than I’m used to.

3 weeks ago my husbands hours got cut majorly, so we’ve had to cut out a lot of our excess spending (which we shouldn’t have been doing in the first place). But I just checked the bank account and we haven’t really splurged too much since we found out that he can only work 40 hours a week.

The week that we found out that we wouldn’t have as much income, we had one splurge day and I don’t even think I would count it as a splurge because we were spending time out on the town as a family, which we don’t normally do. We decided to take the train to downtown Salt Lake City and since we went in February and they were doing a free fare all February. While we were downtown, we stopped at Blue Lemon for lunch, which is a little nicer than our usual. We spend $33.25 at Blue Lemon. Then we headed across the way to Rocky Mountain Chocolate Factory because I was craving a chocolate covered apple like crazy, so of course we all had to grab a little something something, so that was another $19.08 there. No regrets, luckily we had enough budgeted to go out this day, so it wasn’t too painful. Before going out and about on the train, we had taken my son to gymnastics and after gymnastics, we did splurge, we went to Starbucks which set us back $9.09. In total for the whole week, we only splurged $61.42 which isn’t too bad considering we could easily spend $300 on absolutely nothing every week.

The following week, from February 28th to March 6th, we got a paycheck, but 90% of that paycheck went to rent and utilities. I always make sure to have all the bills paid before we do any kind of splurging. This week was our first week actually trying to cut back a lot, with groceries and all. We were doing so good throughout the week, but the Thursday comes around and we struggle. Thursday is basically our Friday. We got some coupons in the mail for Carls Jr. so we knew from earlier in the week that we wanted to eat out. Before we went to Carls, I had an itch. I had an itch to get a tattoo, but I can’t do that while I’m broke and pregnant, so instead I went to Sally’s beauty supply store to purposefully mess up my already messed up hair. I bought bleach, toner, volume 30 and volume 10. This all set me back $38.01 which could have been easily avoided, but my will power wasn’t too strong. When you’ve got an itch, you just want to spend and anything and everything. We finally headed over to Carls and luckily we had our coupons because before the coupons our total was almost $30?! But luckily with the coupons, it only set us back $17.29. That’s all the spending we did that week. $55.30, Not bad if you ask me.

This last week, from the 7th to now, we’ve been kind of in the same boat. Splurging on a Thursday, but killing it the rest of the time. This week we spent even less though. $22.80 at Sally’s so I could fix my hair with another round of bleach. Then $25.40 at Arctic Circle because I was craving a chicken sandwich that apparently they don’t even have anymore! So lame! $48.20, you can clearly see that we are definitely dropping our spending over time! But we have been really focusing on only spending around $100-$115 on groceries each week.

I have a debit card that I opened a couple years ago for who knows what reason? But I’m glad I did. With our payday on the 18th of February, we put $550 into this debit card and that $550 is to cover groceries, dog food, and diapers. We will be cutting it down to $500 with this upcoming paycheck, because obviously if we were able to use this card to eat out once or twice, there was too much on it. We only need $400-$450 for groceries, then we buy dog food maybe once every other month for about $20. Then diapers are around $30 and we buy those about every 3 weeks.

In the next blog, I’ll explain how much we spent on which shopping trip and how we prepared for it. The amount we spent, and the items we bought. Of course, if you go back a few blogs, you’ll see how to get coupons, and rebates when it comes to grocery shopping and I might touch on that in my next blog as well, maybe, I guess we will all see together haha.

Do you have trouble keeping track of where your money goes? Here’s a link to a monthly budget tracker on my Etsy account.

Thanks for reading! Catch you next time!