Sunday, May 25, 2008

Random Updates of Debt and Grocery Shopping

Keeping up with the Plan

Extra Money
We've been very lucky to have the hours we both do right now - and we've been making the best of it. Our budget goes a month ahead meaning last month's income pays for this month's bills. We changed over to that style budget last year as a part of our BS1. Our hours fluctuate somewhat and I was never quite sure on how much to figure on. (Got off track a little - sorry) We have $940 extra in the budget due to the overtime that was worked which means that the Bank of America will be seeing a little extra money from me. Also means that Bank of America total due will drop under $10K.

Still love the Envelopes
My bank teller ladies are always so nice to me when I come in for my monthly CASH to stuff envelopes with. I always leave a nice little note explaining what and how many bills I need. We are entering Month 11 of our Total Money Makeover and I still get the same rush when I fill my monthly envelopes!

The story of the new car has been put on the back burner on a very low simmer. I'm happy the process came to a halt. I think my stress that week was 100% contributed to my two selves battling -- The Inner Brat and the Responsible Adult. Oh, when those two go at it -- LOOK OUT! The things you can rationalize in your mind when the inner brat is throwing a tantrum is amazing. No wonder so many people are in debt.

All Aboard
So many times when going through a process like this, it's hard to get the husband and wife on the same page of what has to happen. At first when we started this plan, I know my dh was just appeasing me. I have a habit of starting things and not finishing them - so he thought of it as one of my half baked ideas that will last a weekend and he didn't put a whole lot of thought into it.
Eleven months later - he's on board (at least until BS4) and even has the lingo down. I thought I would share a funny conversation we had while watching tv the other night:
There was a commercial on tv about this great new bra that Victoria Secret has out. I said, "Look, honey. Victoria Secret's got a fancy new bra! Do you want me to spend $60 on a pretty new bra?" "As long as you are using your share of the blow money because I don't want to spend my blow money for it!" LOL.

Grocery Store Guru Strikes Again
I don't know if the deals are just getting better lately or if I'm just getting back into the stock up mode - but I've been finding killer deals!

Last week, my pile of FREE things was almost as big as the pile I paid for.
This week, my grocery receipt said SAVINGS: $73.00 and my total out of pocket was only $35.00. I got $108 worth of stuff for only $35.00.

I took advantage of Friday's $5 off $20 at Walgreens and my little rebate card to help out with some deals there.

If you haven't been to HOT COUPON WORLD I strongly you diving into that site and take a poke around. They post deals, sales fliers ahead of time, and scenarios to save the most money. It's incredible!

Needless to say, I need another shelving unit - my stocking up is seriously getting nuts!!!


Erin said...

Glad to see you put the Mazda on hold for awhile. I completely understand about quieting the inner child who has the "I want it know" attitude :) It can be so tough!