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Guess What We're Having!!!

February 10th, 2013 at 09:20 am

My youngest (21 years old) is pregnant with a little boy and my oldest (24 years old) is pregnant with... yes you guessed it. TWINS!!! Both a boy and a girl. So by the end of this year I will have two granddaughters and two grandsons. I'm both scared and excited. I'm worried that my daughters will have extra to take care of when they are still learning to take care of themselves.

I've actually (recently) offered them a budget software. My conditions are that they must go to the website and download the 34-day free trial (www.youneedabudget.com) and if my girls with their significant other uses it then I will considered purchasing it for them as a gift so that they can get their finances together. This is software that I will be using myself.

Recently YNAB is also offering a workbook to go along with the software, and I would also purchase this for them (i'm actually going to purchase the workbook for myself as well. I starting a new life for me when I get back and I'm goin to arm myself with as much tools as possible. And I want my family to be well armed as well. I've even offered it to my ex-husband. The more finanically stable he becomes the more he won't rely on the alimony that he receives.

My plan to help out my children and myself is that when I get home to start immediately start working on ourstockpiles. I want a six (6) month stockpile for all of us but I'm thinking that it'll take about three (3) months to do this. This will allow for them to be able to get their finances in order to be able to set themselves up in a better financial situation.

I just don't want them to learn what they need to know in order to be financially stable by the time they're m age. It's frustrating if they wait to long. Hopefully the will learn quickly but I'm hoping the software will also help them. I just wish it was around when I needed it at their age.

But I'm SOOO looking forward to seeing all my grandchildren.

HAPPY EARLY BIRTHDAY you lovely beauties! =D

Although the babies are due in June and July, I have a feeling that my grandbabies will be all arriving in May. This means there will probably be a slight change to my 2013 goals. In fact I believe that I will change that to just 'GOALS' instead. They will include both short and long term goals but it'll be an overall instead of a yearly. I'd prefer it that way. It's not really rushed and I won't feel as if I didn't accomplish anything if I didn't complete my list by the end of the year.

But I'm definitely excited! I'm already wondering what they will look like but as long as they're healthy I don't care. I already love them! =D

What Do You Think?

December 15th, 2012 at 01:30 am

I have made a tentative budget of $200/mo for groceries. This not only includes food but also hygiene products, cleaning supplies and whatnot. I didn't think that I would be able to do this but I've reminded myself that I've done this before on less with coupons.

I've been thinking about something though. What if at the end of the month that I've spent less than $200 for all my groceries. Should I:

1. Roll over the difference for the next month
2. Use the difference to pay towards debt
3. One month rollover, then the next month put towards debt.
4. After 3 months rollover to savings.

I'm leaning towards number "3".

What do you suggest?

Cutting My Grocery Bill in Half

December 14th, 2012 at 04:22 am

Normally when you go to the grocery store you try to use coupons and buy things that are only on sale. Well I know that a lot of people get tired of doing that. I found a way to help solve the issue. e-Meals! This is a service built by two SAHMs. They go to the stores in your area according to the sales items they make a grocery list for you and/or your family as well as the menu with recipes. They do it for dinner and lunches.

No more scouring the ads to find out what's for sale. It's done for you. No more trying to figure out a dinner and/or lunch menu. It's done for you. They also give you the recipes for the menu.

Now even if you don't use coupons you've already saved because they only use foods that are on sale. But if you DO use coupons then you'll save even more money!

As an added benefit they can even customize your meals. From vegetarian, low-carb, gluten-free, portion control and so on.

You don't have to keep the same menu either you can change it ever so often. I bought the 1 year for half price (got it from groupon.com). They have new menu/grocery lists every wednesday.

I think it's great for all of us that want to pay less groceries but don't have the time to go through everything to build the menu and grocery lists.

By the way, they also do crockpot meals!

Couponing

November 24th, 2012 at 07:26 am

Well just to let you know, I'm a couponer. I'm not an extreme couponer. I can't go to a store, get $100 worth of stuff and only pay $1. Not yet at least! What I have done is pay $71 for $147 worth of groceries and I've paid $53 for $109 worth of groceries. Couponing isn't easy!! But I do believe that it's worth it!

You have to organize your coupons so that they work for you. But before I left for Afghanistan I donated all my coupons to the military.

Did you know that military personnel can use coupons up to six months AFTER they've expired!!

I sent them to a woman who then gathered up all the coupons sent to her and mailed them to a representative. There is one in each area/region.

But right now I don't have any coupons. So I need to restock but I don't want to start from scratch. So I've been thinking of having Sunday newspapers sent to my brother's house (he has my stuff anyways). But only for the three month subscription, that way I can stock up a bit and be able to shop for groceries right when I get home!

It only costs about $37 for the (13 week) subscription which is saving money from actually buying it every Sunday.

This is what really helps me budget for groceries every month. Don't get me wrong, not everything needs a coupon for me to buy. But I will try to wait for a sale if I can, but since I literally have to restock my kitchen I'll need to purchase almost everything!! UGH!!!

Funny thing is that when I get home, the newspaper in my area costs substantially less than the one in my brothers' area. But he gets more coupons. Oh well...