The bunny was here 🐣
Sticking to the budget for holidays is HARD for me. Like, majorly effing hard. So I’m pretty proud of these. They’re pretty much the same, just customized for each kid’s interests.
PJs, sandals, hat, sunglasses - spring stuff that each kid needed anyways.
Two activity books each - my big kid got quizzes and a cookbook, the little one got a sticker book and a colouring book.
Markers and special pens - we have to refill these monthly anyways.
Outdoor stuff - each one got a frisbee, swimming goggles, chalk, bubbles.
And then each of them got one toy (Barbie set and a Schleich dinosaur), a new cup, a bunch of stickers (that’s what most of the plastic eggs have in them - stickers from a pack of 50 dinosaur decals I got on eBay for $1), and Pokémon tattoos.
Oh! And a big plastic bucket to be used as their Easter ‘baskets’ because they both collect random little treasures like it’s their damn job. Plus a metric fuckton of candy because why not.
Sooooo yeah. They look like big piles of stuff but fit in to our budget especially since so little (toys, candy, buckets) came out of the holiday sinking fund. Most was normal spring kid stuff that came from the kid budget.
Anyway. That was wordy as shit. If anyone read to the end of this they should get a gold star or something.
Back to my favourite budgeting move - eat the name brand food at my parents’ house. My cheap ass does not buy ice cream with little vanilla flecks in it. It’s the vanilla flavoured iced dessert in the yellow bucket or nothing 🤷🏻♀️
Today was a good day, yall!
I was able to fund Baby Step One 🙌🏻🙌🏻🙌🏻 and able to get one month ahead on my income/bills.
Just a few months ago I was living paycheck to paycheck and stressing every month.
I can’t wait for the day when I can finally say (or scream) “I’M DEBT FREEEEEEEEEEE!!!!” 📣
But after hearing other people in different financial groups, I’m kind of second-guessing whether I should let anyone know. 🤨 Shout it from the rooftops or “quietly celebrate” working my way to #everydaymillionaire status?
I’ve been debating about posting about this, but it’s a part of my financial journey so I think it’s fair to share. Long story short, I applied for a child support adjustment back in September and the final ruling just came through. We haven’t had an adjustment since 2007 so it was well overdue. I initially applied for the adjustment so I could get my daughter on my insurance at my new job, but they reviewed our entire case and the amount of monthly support I should receive has gone up significantly. This new number is retroactive, so he will owe me back support as well. If/when I actually get this money it will greatly impact our financial situation. I’ve been playing around with some new budgets, I definitely think I will be using it to create a few different funds for my daughter (clothes, school, braces, etc). I have a hard time believing I will actually get this new amount but it’s exciting to think of the possibilities.
scheduled our first Walmart Grocery Pickup for tomorrow morning! do you use a pickup or delivery service for your groceries?
operation “batten down the grocery budget” is officially underway. i’m very easily distracted while grocery shopping, even if i have a list. lots of “oh, i could use that!” or “that would be good!” .:.
i’m hoping with the pick up option, i will find it easier to stick with the plan, and not be distracted by all the shiny things. •
1 1418 hours ago
Never is a strong word so maybe not ever is a bit much. BUT one thing meal prepping (although I dislike it) has taught me is that getting a handle on the grocery budget is essential. By using the grocery pick up option and not actually entering the store has saved us money! I've been doing this for about a month and not once have I had a problem. My only initial concern was the produce (which turned out to be a non issue). I love that the only things that get put in my car are the items I ordered. The only items I order are things I need for my preplanned meals. This has put a stop to us going over budget at the store because somehow random things just end up in the cart. Now I can be great! With the grocery budget that is...
Hi I'm Ms. Frugal. Soon to be Mrs. Frugal in 4 weeks!!!👰🏾 Our current family goals are to pay off our credit card and fully fund our WEDDING & HONEYMOON with no added debt, family loans, bank loans, or credit cards. We are almost there! Last budget update we were $500 below budget for the wedding💪🏾 Please join our journey. We are in baby step Zero and will begin to save for Baby Step One after the wedding😳 I will also introduce you to the rest of the fam next month👪 Including our loans & debts which are like ANNOYING family members at this point. hey.😁
I try to be as real, honest and relatable as possible on here. Since I haven’t done a post like this in a while, here is a brief introduction about me!
I’m married and in my mid-30s living in New England. My husband and I are currently renting, but we are house hunting (and yes, while we are on BS2 and in debt). My Husband has always been the saver. I was more in the middle.
We have no consumer debt. We own both our vehicles, which are older, but we maintain them well. The only debt we currently have our my student loans. For years and years, I only paid the minimums each month. I am not sure how much they were initially bc I didn’t pay much attention to them honestly. I just paid bills, saved a tiny bit and spent the rest of my money. I thought that was what everyone did.
My husband introduced me to the idea of a budget. He helped me curb some of my unnecessary spending and implement a budget that allowed me to send extra payments to my student loans AND save more, all at the same time! I read a few personal finance books that I found on sale or at used book stores, and I was HOOKED! When we started our DFJ in June 2018, my student loans were about $76k. We are #TeamTinyShovel and my loans are currently a little over $61k.
My Husband and I LOVE to bargain shop and save money, especially on groceries. It’s fun for us! We also LOVE to cook at home, and most days nights are trying new recipes and watching a movie on Netflix or from the Red Box. We are a simple couple, and we love our life!
We have very good financial systems in place, so we feel comfortable buying our first home while we pay off debt. We are a single income household, so our debt payments are smaller that many accounts on IG, but that’s ok! We have a lot of knowledge to share and, most importantly in the DFC, we have SO MUCH support to give! I’m ALL about being supportive and cheering on others on their DFJ!!
If there is anything else you want to know about us, just ask! #debtfreecommunity#debtfreejourney#personalfinance#aboutme
Eeeep!!! It feels SO incredible to reach BS1. I’ve been desperately waiting this latest payday so I can make that savings transfer...and honestly I love how excited I am over this journey! Working towards financial freedom lights a fire within me + this community’s energy is largely to thank! Next stop, Baby Step 2🎉.
*gasp* shoulda thrown the extra money to make it $20k but oh well. 2018 has taught me a lot. If you would have told me before this journey that I could find almost $20k to throw at debt, I would have told you you were nuts. 2019 is going to be an entirely different journey, as my life is going to be a whirlwind and there will be a lot of life changes. For now, just basking in the fact that I really accomplished more than I thought I would or could.
To be honest.... I’m not very financially motivated this week. The holidays wipe me out. I decided to try and get myself inspired again by looking at our new 2019 budget planner and decided to get specific about goals. We’re rebuilding our emergency fund so that’s the first focus. The goal amounts I wrote out are bare minimum. I plan to have our emergency fund back to normal in a couple months, the other savings goals can be completed throughout the year. I’ve learned through this journey that the more organized, specific and detailed I am with our finances, the better we do each month. #financialplanning#financialgoals#debtfreejourney#debtfreecommunity#teamtinyshovel#iracontribution#retirementplanning#savings#savingmoney