Friday, February 27, 2009

Free Dairy Queen...YUM!

I love Dairy Queen! Here is a GREAT opportunity on how to score yourself some totally free DQ treats! Just visit for more details!

I would hop on one foot while juggling three small chocolate dip cones as long as I could in order to get free DQ treats!


Friday, February 13, 2009

Budget update

Now, my budget plan and budget update usually won't be posted this close together, but I have been really crazy this month and haven't had a lot of time. So, you get what you get.

Here is my mid-month budget update:

Grocery Budget: I have spent 117.68 of my 200.00 budget so I have 82.32 left for the month which isn't too bad. It's my first month trying to make it on 50.00/week so we'll see how that goes. I used to spend so much more on groceries and it's amazing how much money this leaves us at the end of the month.

Special Occassions/Presents Budget: My Vday budget was 130.00 (not including hotel, paid for that in Jan.) and I have spent 11.42 so far, which means I have 118.58 left! My husbands Bday budget was 50.00 and I have spent 7.46, which means I have 42.54 left! My daughter's best friend's birthday budget was 15.00 and I have spent 0.99 so I have 14.01 left! My daughter's birthday party budget was 150.00 and I spent 116.61 including cake, food, card, present, party, etc. Her party is over but I still have to make up picture thank yous and those are still in the budget; I have 33.39 left!

Childcare: My budget was 120, 4 mondays @ 30/mon. = 120.00 BUT, my sister-in-law couldn't do it one Monday and my in-laws watched her so I will most likely come in at 90.00, 30.00 under!

Hygiene/Target/Baby: My budget was 30.00 because I didn't need diapers, but I ended up needing some other things, so I am already over at around 38.00

Savings Budget: My budget was 20.00 because I put in 5.00 every Monday, I'm right on target here.

Car Budget: My budget was 217.00 and I am currently at 120.53 with my insurance payment, haven't done the maintenance yet but I should be on target with 96.47 left!

Mortgage/House Budget: 1,133.18 for mortgage, right on track.

Gas Budget: Based on previous months I have budgeted 150.00 but gas prices have gone up about .10 so I might be a little over, so far have spent 51.86 with 98.14 left!

Pets: Budget of 40.00, my dog needed food = 41.88 so I was 1.88 over.

Utilities: Budgeted 250.00, have spent 131.16 on gas, 56.35 of TV, have 62.49 left!

Debt: Budgeted 488.27 to pay two credit cards, car payment and one student loan. Have spent 318.62 so far so I have 169.65 left for my car payment on the 15th

Medical/Health: Budgeted 0.00 but have A LOT under unexpected now, just wait and see the mess!

Entertainment/Restaurants: Budgeted 0.00, have proudly spent 0.00

Blow Money: Budgeted 0.00 this month due to all extra activity, have proudly spent 0.00

Clothing: Budgeted 0.00 this month due to all extra activity and saving for my daughter's spring wardrobe, have proudly spent 0.00

Unexpected/Forgot to Plan: NOW, you are probably thinking I'm on track and doing great, right?! Well, here's where I will blow your mind. I hope I NEVER have another month like this in the unexpected/forgot to plan section. Here's the breakdown:

1.) My daughter had to have an unexpected MRI and the bill was 451.35...OUCH! Thankfully, everything is just fine and I gladly paid the money to ensure my daughter's health and safety.

2.) I got an eye infection and had to have eyedrops and the bill was 10.00

3.) I had to pay my best friend for my bridesmaid dress in her wedding and the bill was 140.00

4.) I had to pay same friend for my daughter's flower girl dress and the bill was 45.90, actually a great price for a flower girl dress, and it will double as her easter dress!

5.) I forgot my daughter had her 12 mo check up and the bill was 20.00

So, drum roll please.......I am 667.25 over budget in this category, doesn't that just make you want to throw up???!!!

Hopefully I will come in under budget in some other areas and make up for this. Wish me luck!
Please feel free to share your budgets, your overages, how you manage, etc. I'd love to hear from you!

Monthly Budget

I don't know where to start with this post because there' s so much information, but here we go:

This month is the first month that I actually started using a real budget plan. I started following Dave Ramsey and it is working like a miracle! You should really check it out, his monthly cash flow plan and debt snowball is amazing! I have to say that I am quite uptight and am really sticking to only buying what I planned for and not splurging on anything, nothing, zip, zero, zilch. If it wasn't in the budget I don't buy it, unless of course it's an emergency or something I forgot to plan but absolutely have to pay for. I start planning my monthly budget about half way through the previous month, so I have time to update it or make changes before the month actually starts. My budget will usually get posted at the first of the month, but late is better than never, right?! So, here is my breakdown:

Grocery Budget: 200.00; my household consists of my husband, my daughter (1yr) and myself

Special Occassions/Presents Budget: 345.00; now this month isn't typical of all months, it's my daughters birthday, my husbands birthday, my daughter's best friends birthday, and Valentine's Day (see my post for my exciting plans!), so the budget was bigger here for this month

Childcare budget: 120.00; my in-laws watch my daughter two days a week and my sister in law watches her one day a week (we pay my sister-in-law $60/day) I am home the other days

Hygiene/Target/Baby Budget: 30.00; I didn't need diapers this month because of a previous stock up, so the budget is a little smaller than normal

Savings budget: 20.00; We have created our 1000 dollar emergency fund (Dave Ramsey babystep 1) and are now working on paying off our debt (Babystep 2) but we still put 5.00 in savings every Monday while we are using most of our excess for paying off debt

Car budget: 217.00; Grr, we need oil changes in both cars, tires rotated in both (but one is free), and my husband has to renew his licences so the budget is bigger this month, but it also includes our car insurance payment 120.53/mo
Gas budget: Based on previous months I have budgeted 150.00

Mortgage/House budget: 1,133.18; I know, our mortage is outrageous, but there's nothing I can do about it right now

Pets budget: 40.00; we usually have one dog and one cat but we are currently boarding my mom's cat, the dog needs food this month

Utilities budget: 250.00; gas is higher right now, no water or trash bill this month

Debt budget: 488.27; we are currently paying off two credit cards, only 400.00 left on one and 1200.00 on the other, so not too bad, we have student loans and a car payment

Medical/Health budget: 0.00, nothing necessary this month, no one takes monthly medications

Entertainment/Restaurants budget: 0.00, this is included in Vday for this month

Blow Money budget: 0.00 didn't plan any this month due to party, present, vday plans and it's killing me from getting my sweet teas and coffees from McDonalds

Clothing budget: 0.00 no one needs anything and I am saving for my daughter's spring wardrobe next month

Unexpected/Forgot to plan budget: 0.00, obviously, because it's unplanned, hopefully this will remain as close to zero as possible

A Non-Frugal Valentine's Day!

So, I know that almost everyone that reads this blog is into saving money every way possible. Well, so am I BUT there comes a breaking point. We all go on vacation, splurge, spend, blow at some point, right?!

Well, my breaking point was Valentine's Day. My daughter just turned one last week and I have never spent a night away from her. My husband had to travel for business last year so he has been away, but we've never been away together since our honeymoon.

We desperately need a romantic night away and we were both willing to spend to get just what we wanted, no scrimping.

I am so excited for our plan. I told my husband that I feel like we're going to Hawaii for a month or something, I'm that excited.

So, here's what we're doing:

1.) 5:30 dinner reservations at P.F. Changs (our very favorite restaurant, Whenever we do decide to spend money and go there we don't get an appetizer, just order water, etc. to save money. But not tomorrow. I plan on ordering the Vegetarian Lettuce Wraps for an appetizer, the Chang's Spicy Tofu for an entree, their Passionfruit Tea for my dinner drink and their delicious Bomb Pop Martini for pre-dinner (it's tastes just like the popsicle and is layered in red, white and blue!)

2.) After dinner we are headed strait to The Chocolate Bar . This place is unbelievable and if you haven't been you need to splurge one day and go. It's pretty pricey but really worth it. We're ordering The Lover's Platter and drinks!

3.) Finally, we are staying the night in a nice hotel and my mom is watching our daughter. We got pink champagne, fun games and I made treats. It will truly be a night to remember and I can't wait.

Anyone else SUPER excited about their Valentine's plans? Frugal or Non-Frugal?