September Saving Challenge

This was the last week of doing the September savings Challenge.  My husband gets paid weekly on Fridays so I am not counting the last two days of the month.
Week 4 ending balance was $33.73 out of $200.00

Gas $100.02
Groceries $ 37.76
Dining out $11.39
Gift $ 12.10 - fleece material for son's blanket
School Dance $5.00 - entry fee for daughter.

I ended up being able to put $400 in our Christmas fund.  I learned a lot this month. I had gotten in a bad habit of using my debit card for purchases instead of paying cash. This helped me break that habit. Tracking everything also let me see where my money is going.

Monthly total
Gas:$357.04
Groceries : $ 305.25
Dining out $ 47.71
Gift : $12.10
Entertainment $10.00

I don't think we did too bad for the month.  I need to make my menu plan or next week.

Have a good weekend.

About Me

I realized I never really shared much about me so I figured I would I share a little. :) 

I have been married for almost 18 years and have 3 children, 1 girl (14) and two boys(10 & 6). We live in a small rural town in the Midwest of only about 1300 people.  My husband and I both work full time jobs outside the home. Hubby works for our town as one of the Village Employees, so his commute to work is about 2 minutes.  Since he is a Village Employee he has to live within a certain distance.  I work in a larger city about 30 minutes away as a Computer Programmer.


The name of my blog SKAMM life is the initials of everyone in our family.  My Husband (S), Me (Kim), Daughter (A), Son #1 (M), Son #2. (M).  Each of my kids are involved in Sports/School that keep us busy. Our daughter is a Cheerleader and plays volleyball.  Son #1 is into all sports possible. We do restrict it to one sport at a time. :) He plays Football, Basketball and Baseball.  Baseball is a big one for us since he is in a Travel league and has quite a few games from April to July. He is also involved with Cub Scouts.  Son #2 also did T ball this year  for the first time and is also in Cub Scouts.  Hubby also bowls and is a Volunteer Firefighter for our town.  Hubby and I are also involved with our Youth program at church. 

I started this blog mainly for Personal Finance accountability but will probably be sharing other happenings in my life also. My main goal is to get rid of our Credit Card debt and pay off our Van and Hubby's motorcycle. We would like to sell our house and move to a bigger one but need to get rid of our debt first. 


Hope you enjoy my little update.

Kim

Meal Plan Monday

Here is this week's meal plan.  I always go Monday - Sunday so I can buy groceries for the week while I am in town at work. The less running up to the local store I do the better.


Monday:  Spaghetti / Garlic Bread
Tuesday: Broccoli Sausage Simmer - Even my picky kids will eat this.
Wednesday: Sandwich /Left over night. Younger kids night at Church.
Thursday: Sloppy Joes/ Chips
Friday : Chicken/Steak Fajitas
Saturday: Eating at my Mom's
Sunday: Jr/Sr Youth Group at Church


Last week we did pretty good on the Meal plan.  I only had to change one day because we ended up going to a fish fry instead.  I had bought 10 pounds of Ground Beef back in August when it was on sale so that has helped this month.  I have used up most of my meat in the freezer. I still have some Ground Beef, Lots of Fish, a Turkey and a Ham to use.  The Turkey and Ham will have to be cooked on a weekend since those take longer.  I will be going to Seattle for a week in October so will have to plan easy meals for the Hubby to fix.
 
Linked up to I'm an Organizing Junkie

Week 3 Savings Update

This was week 3 of September Challenge . I was able to add another $100 to the Christmas Fund. I ended up with $20.23 left of my $200. Here is my breakdown

Gas $ 99.02
Groceries $ 49.43
Dining Out $ 26.32
Football Game $5.00

Our Dining out was really drinks and snacks for Baseball game and practices. We are not allowed to bring coolers ino the complex and being there for 4 hours for two games you end up spending money.  We eat before we go but usually end up buying drinks and snacks.  Only spending $49.43 on groceries is unusual for us but I will take it.

I have this weeks menu done and actually have most of it on hand.

Have a good week!

Mid Week Update

I never got around to posting my Meal Plan for the week. Here is what the plan is for the week.

Monday: Homemade Pizza.  My daughter is old enough that she started this before I got home.
Tuesday: Chili -
Wednesday: Leftovers - Plenty of leftovers from the last week. Pulled Pork/ Meatloaf.
Thursday: Chicken , Broccoli Fettuccine Alfredo
Friday:  Surprise Party  - have to take a side dish
Saturday : Tacos
Sunday: Lunch Sandwiches. Dinner: Youth Group at Church.

I have been faithfully planning out my meals for 8 weeks. I think the family is getting used to it by now. I need to come up with a whiteboard or calendar at home to write the  meal plan on for the family.  They know I am doing it and are starting to ask what is on the menu for dinner tonight. :)  I try to make sure I plan meals they like and throw in some new ones. The Chicken Alfredo is a new one so we will see how they like it.  I also have to plan around activities and keep things simple in the evening. We try to keep the activities to a minimum but with 3 kids they still keep us busy. 


Savings Update: $200 weekly Budget for Food/Gas
So far this week I have spent
$20 Eating out - Snacks/Drinks at Ball Games on Saturday and Sunday.
$67.02 Gas for my Van
$28.66 Groceries

So I have $84.32 left until Friday.  Groceries for this week meal plan are all  bought. The only think I need to pick up are ingredients for the Taffy Apple Salad I am taking to the Surprise Party Friday night. I may also have to pick up more Milk as our family has been drinking a lot more milk lately. I believe I should make it this week.
The Taffy Apple Salad is very quick and simple to make and there is only 3 ingredients.

Apples
Snicker Bar
Cool whip

I have not made this before but we had it at Youth group the other night and the kids loved it! I don't have an amount for each of these but was just given some guidelines.  1 snicker bar for every two apples and enough cool whip to cover all of it.  How many apples depends on how much you want to make. I am going to give this a try and see how it goes.
Basically you cut up the apples and snickers into bite size pieces and mix with the cool whip. This is simple and I think I may be able to handle this. :)

I will update on Saturday with how my week ended up.

Week 2 - Savings Update

I am a few days late posting this as we had a busy weekend.  Week 2 of September Savings Challenge  I did pretty good again. I ended up with $3.44 left. :) Hubby was going to be gone on a fishing trip from Friday - Sunday so there was extra money spent on food this week. Hubby being gone also caused some transportation issues.  I have two boys 10(M1) & 6(M2) and both had baseball practice on Friday. Luckily one of the other moms helped me out and took the old boy (M1) with them. They went out to eat afterwards so I gave her $10 for his dinner and for helping me out.  Here is the break down.
Food $132.56
Gas: $54.00
Eating Out: $10.00


I definitely spent more on food this week than I did the previous week but Hubby likes to take plenty in case he needs it. He did come home with quite a bit of it and the kids are enjoying his leftovers. (Poptarts which I never buy)\

So far this week I have spent $20 on food/drinks at the baseball and football games we went to over the weekend.  I don't usually spend this but it was a off weekend for everyone.  My Daughter (A) also made the Cheer leading squad this week and we will have that expense coming up. Usually tryouts are in the spring and I wouldn't have to worry about this expense at this time of the year but they moved them to the fall and I wasn't planning ahead. I also prefer the spring tryouts since it gives me more time to come up with the money.  There is a new Coach this year so not sure what the expenses are going to be like. Planning ahead is definitely an area I need to work on.   Have a good week!

Midweek Update

Last Friday I planned out the menu for this week and on Saturday I went and bought groceries for the entire week. My hubby is going to be gone this weekend on a fishing trip so I also had to buy groceries for his trip. He is taking food with him for breakfast and lunch.  I planned meals I knew would give me leftovers to stretch the food. Hopefully I can make it through the week under budget. So far I have spent $112.54
This has all been spent on food or supplies for the hubby. I have to get gas tomorrow and paper plates for the hubby.
September Savings Challenge
Week # 2 -
Food - $ 112.54
Gas - 0