Tag Archives: Budget

My Little Gymnast

11 Mar

Okay, so we have tried ballet, karate, and now we are doing gymnastics! I love the parks and recreation here because they have so many things to choose from. Each thing is about 6 weeks long so it gives the kids a good way to “feel out” different things and not spend a whole year (or a whole year’s budget) on something they may decide they don’t like anymore!

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She’s the one in the front with the white leotard on! Each thing we have tried Emma has announced that she loves it and it was a great a choice. This time she came out with a huge grin on her face saying I want to do gymnastics EVERY SUNDAY!

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Again she’s the one in the white leotard stretching back. I have a feeling this one will last longer than six weeks!

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I’m just excited she is trying new things.

Growing up is fun!

20 Jun

Not too long ago my little girl got a big girl bed! She was super excited and said, “Mom watch me!!” as she climbed in and out all on her own. One of her favorite things about her new big girl bed is that Mommy can now lay beside her and read her bedtime stories. Another favorite, is that she can get out of bed after we closet the door and read all the books in her bookshelf by herself!

 

So far we haven’t had too much trouble with her not sleeping. Prior to taking the crib apart she would sing and read herself to sleep almost every night so it’s not that big of a change for her. What do I love about it? I love that she can play in her room in the morning when I’m not completely awake yet, I like that she still sings herself to sleep and I love listening to it, and I love that she likes to play in there even when it’s not bed time!

Other things going on around here? I’m finally getting my birthday cabinet cleaned up and moved to my studio so I can use it there. I need storage there so much more than I do here and I’m going to save up my pennies and buy another one for our place 🙂

 

I’m also getting my budgeting spreadsheet together so I can show you all how I do my own stress free budgeting! It’s made money less of an issue in our house and more of something we can just rely on. Along with the spreadsheet and my explanation on how to use it, I am also working on my couponing! That extra shelf I’m going to save up and buy is also going to be great storage for the items I’ll be stocking up on at the grocery store.

 

If anyone is interested on how I do my couponing (not the traditional way but still saves money) I’d be more than glad to do a post about that as well!

 

So who said it was no fun growing up? NOT ME!!

 

Love Always,

J

A Job Worth Doing

30 May

It’s come to my realization that many of you out there hate your job, so much so that you dread waking up in the morning knowing that you have to go do it.

 

NEWS FLASH!

You don’t have to hate your job. In fact, you don’t have to do that job at all!

Now before you go rolling your eyes at me, let’s think this one through. The reason most people work is to consume enough money to live our lives in which we think are appealing or at the very least going to bring dinner on the table. I had that job. I hated that job. I spent countless hours complaining about it, making my husband miserable about, and ruining the life I always wanted because I was so upset with the job. 

My husband and I sat down and took a look at our finances and compared how much I made to how much I spent at that job. 

  • I was making X a month.
  • Spending A on gas to get there and back each month.
  • Spending B on food for lunch each month.
  • Spending C on easier meals to cook at home (premade things) because I was too lazy to do them when I got home each month.
  • This does not include D on bills that were created from me having to work (ex. daycare, fixing the car, doctors appointments for stress & anxiety)

X-A-B-C equaled a whopping 100 bucks a month. I was in complete shock. I was spending almost my entire monthly paycheck just for work and I hated my job!! I looked at my life and how I was living it. My job was not worth working $100 a month – I can’t even picture what job would be worth that little. 

Then I sat down and thought about all the things I love to do.

  • I love spending time with my daughter.
  • I love taking care of children. (Possible Income)
  • I love organizing things. (Possible Income)
  • I love to write and take pictures. (Possible Income)
  • I love finding great deals on things. (Helps budget money for other things)
  • I’m not the best at cooking, but I like trying. (Not an income but also can be a money saver instead of going out to eat)
  • I like being crafty and making things. (Possible Income)
My husband and I talked about which of the items above that posed as a possible income would be something that our family could handle. I chose taking care of children because out of all those things the start up cost was almost nothing and it was my favorite one. I work PART TIME Monday, Wednesday, and Friday from 8-5 and I’m making exactly what I made at my previous job. Out of all that income I don’t spend any money on gas, lunches out, easier meals at home, daycare, extra car expensive, doctors appointments, fancy clothes for work, heck – I hardly buy make up anymore!!
Because I made the decision to stop doing what I hated, and find a way to do what I love – I now make three times as much as I did at my other job. I also have time to spend with my daughter, organize, write, take pictures, find great deals, attempt at cooking, and make crafty things. I even get to sell the crafty things I make to have EVEN more income! 

 
I will say that this wasn’t easy. We had a month where we had to make ends meet and live with the little income we did have. It taught us how to better manage our money, what we really needed as opposed to what we wanted, and made us more thankful when we did have more money. It may seem impossible but it’s not – you can do what you love and still live the life you always wanted.

Thanks for stopping by!

Love Always,

J

 

*Thank you google images for the pictures

Goal Number One: Spend A Little Dough

24 Mar

After carefully scrutinizing my pro’s and con’s list from yesterday’s post: Figuring Out Me – I’ve come up with my first goal for this blog! Sunday morning I am getting up and going yard sale/thrift store shopping!! I’m taking 20 bucks in cold hard cash and buying things to make brand new! My goal is to stick within that 20 dollar budget and make a miracle happen. I’m going to lean towards items that are for organizing, home decor, furniture, and things I can’t resist 😛

My long term goal within this goal – is to do it as many Sunday’s as I can! If they are items that I don’t think I’d use in my own home then I’ll be putting them up for sale on etsy. If I do use them you’ll get to see how and where I use them 😀

Who’s ready to be amazed!?

Thanks for stopping by!

Love Always,

J

Thank you google images for the photos :D

Daily Life: 6 am Suprise!

27 Feb

Waking up at 6:30 a.m. to me usually means horrible, rough, no good, gonna need a nap day. But today was not the case at all! I woke up wide awake and ready to tackle anything in my way! I sat down trying to think of all the things I could do that are quiet enough not to wake up B or E. Then it hit me, it’s impossible to do any budgeting when B and E are around. To me that’s something I need to do in complete silence! So I sat down and planned out how much of each of the bills were going to get paid with our tax money and then figuring out how much was left. Then it hit me!

We are going to have our usual amount of money to go towards bills that we do every paycheck ALONG with the tax money!!! I calculated it all together, calculated the total of our bills and BAM! They were all paid and there was more money left over! I couldn’t stop jumping up and down and dancing and smiling so big! Financial freedom!!!!

B has asked me once we figured out how much tax money we got if he could use half of it to put towards a new car and we both agreed it would be a good idea. With all of the bills paid besides our two monthly payments (that will never go away) we have plenty of money to pay for a car for him! Not only that but the original down payment that I had planned on saving has now almost doubled with all the bills being gone! Ahhh what a relaxing thing.. and on top of all that with my new job, that paycheck is now being split half and half, half for savings, half for PLAYING!

I have never been this excited about bills before 😛 Lets just say that play money is going towards some serious craftiness 😉

Things are just falling into place and making my life amazing!

Once I calmed down and still had to wait for hubby and pipsqueak to wake up I decided crocheting was the next quietest thing to do, so one more scarf done and on the next one! If I keep up with it as much as I have these past couple days I could easily make one a week with still having free time and getting chores and errands done! Who knows maybe by next winter I’ll have enough to make a nice big Christmas check off Etsy and possibly keep from adding anymore bills!

Awesome!!

Hope everyone else is having a fantastic weekend too!

Love Always,

J

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