Archive for Budget

Upcoming Consignment Sales/Baby Events in OKC

// March 10th, 2010 // No Comments » // Budget, Children and Babies, Money Matters

By reader request:

  • March 5-13 – Children’s Consignment Sale – 10am to 6pm –  6925 NW Expressway in the Market Plaza – 1/2 off on Saturday, March 13
  • March 13 – Baby & Toddler Expo – 9:30am to 5pm – Cox Convention Center
  • March 22-27 – Just Between Friends Sale – Mon.-Thur.  10am to 7pm; Fri. & Sat. 9am to 6pm – State Fairgrounds (free admission with ad in MetroFamily magazine)
  • March 27-30 – Monkey Business Consignment Sale – 178 E. 33rd St. (33rd and Boulevard), Edmond - 1/2 off on March 30
  • April 16-18Sweet Repeats Kids Consignment – Edmond Armory, 600 S. Bryant, Edmond
  • April 28-May 1 – Consignment Sale at the Fairgrounds – 1/2 off some items on May 1

Thanks to Hillary, a faithful Nix9to5 Facebook fan, for the information.  I’ll edit this post and keep it updated as I get more information about upcoming sales.  If you know of other events in the OKC area, let me know.

It’s slippery out there.

// March 5th, 2010 // 2 Comments » // Budget, Couponing, Money Matters

A few days ago, I realized we were out of a few groceries–fruit and yogurt mainly–and that I’d have to run to the store before the weekend.  Because I have yet to get my coupons organized (it has only been two months, after all), I didn’t have any of them with me.  Even though I KNEW I had yogurt coupons at home, I decided to just drop by the store after work before picking up Bear.  I figured I’d run into the grocery store and just buy the store brand of yogurt (.38 each) and bananas (.49/lb instead of .39/lb at Aldi) and oranges (I don’t know exactly the difference).  Also, I needed saline solution for our contacts, and even though I had coupons at home and $4 Extra Care Bucks at CVS, I decided to just get everything at Walmart Neighborhood Market and save myself a trip.

Well, I guess that store stopped stocking its store brand of yogurt, so I had to pay .50 each for another brand ON SALE.  The very next day, I found out that they were on sale for less across the street, and I had a coupon, which means I could have bought them for .23 each had I waited a day and been prepared.

I left paying nearly $15 for two small bags of groceries, which just irritated me to no end.  I mean, I can get a whole trunkful of groceries for $45, so two bags?  Ridiculous.

The experience left me realizing what a slippery slope this couponing business can be.   You do have to keep up with it and keep organized to always get the best deal.  It doesn’t take much to fall back into the “easy” way of doing things.  I also, realized, though, that I have become quite stingy with my money and don’t like to throw it away.  It really burns me up to pay more than I have to now.

Tonight’s mission:  begin organizing these coupons.  I need to find some way to keep them with me so I’m never stuck “running in and grabbing something.”

Budget-wise, March is not starting out as fantabulous as January and February is.  HH and I will be taking an overnight trip in a week, and we’ll have visitors over Spring Break–both of which will also impact this month’s spending.  I’ll need to keep a closer eye on things so that March can end as well as the first two months of the year.

In other news, I’ve applied for yet another writing job.  I’ll keep you posted on how that goes.

For now, it’s off to clip and file–coupons, not my nails–though I could totally go for a mani-pedi.  Don’t be jealous of my Friday night plans–it’s not very becoming of you.

Tomorrow, it’s off to a children’s consignment sale and to hit the last of the coupon-sale matchups before going through the new week’s deals on Sunday.

Goodbye, February.

// February 28th, 2010 // 3 Comments » // Budget, Couponing, Life in General, Money Matters, Work at Home

Well, February is over, bringing an end to my 2nd month of trying to live within a budget and to the first month of Nix9t05.  February brought good news on both counts.  We are cutting expenses and saving nearly $400 month on groceries, and we’ve paid off two debts, freeing up an additional $500.  I’m at least $900/month closer to reaching my goal of replacing my income so that I can stay home with Bear next year.

As for Nix9to5, I’ve been able to pretty consistently keep up with blogging, and I’ve submitted my first guest post to another blog.  I’ve also been hired at another writing company, even though I haven’t actually had time to start working, and I have another possible prospect for online tutoring.

Thanks to all of my readers who have joined me at the beginning of this journey.  Now that winter is ending, I’m excited to see what Spring has in store.

No pie, no pics, but still pretty awesome.

// February 23rd, 2010 // 2 Comments » // Budget, Cooking, Couponing, Money Matters

Tonight’s dinner: chicken quesadillas. I didn’t take pictures, because everyone knows what a quesadilla looks like. And although a quesadilla is round before you cut it into wedges, it’s not a pie.

Tonight’s quesadillas had some excellent qualities:
1. They were easy.
2. They passed HH’s taste test.
3. They contain cheese.

The best part though (well, except for the cheese) is how cheap they were! See, tonight’s quesadillas were made exclusively with bargains. Below are the ingredients and what I paid for them:
1. Flour tortillas (.75/package)
2. Chicken breast ($3.99 for a 3lb. bag)
3. Reduced fat shredded cheddar ($1.25 for a 2c. bag)
4. Black bean side dish (.39)
5. Salsa (FREE)
6. Sour Cream (FREE)
7. Guacamole (FREE)

That means tonight’s complete dinner–quesadillas, dips, side–was about .75/serving. And there are leftovers.

Nix9to5 News and Events

// February 22nd, 2010 // 2 Comments » // Budget, Couponing, Debt, Money Matters

This is a short post tonight because I have more copywriting to do. I met one deadline last night, but have another project due in the morning. In the meantime, though, I wanted to let you know of some exciting things coming up.

First, I will be posting a guest blog detailing my journey toward frugal living on Simple Saving Savvy. Simple Saving Savvy is the site that got me hooked on using coupons and saving money. Amanda’s (not my sister Amanda) explanations and matchups are very simple to understand and helped me realize huge savings on my grocery bill. Look for my guest post at the beginning of March.

Second, I will soon be hosting a coupon seminar called “Clip SmART” which shows the art of couponing and how to maximize savings. The presenter, Amanda (a different Amanda–not of Simple Saving Savvy fame, nor of my-sister-Amanda fame), can feed a family of 5 for $20/week. I’m not sure I can even feed myself on $20/week. I’m hoping Amanda will be able to show me how to take that $400 savings I managed in the first month of couponing and make it grow. When I finalize the details (time, date, and all that), I’ll be sure to let you know so my local blog readers can join us.

Third, and possibly the biggest news of all, HH and I paid off his truck and motorcycle today. No. More. Vehicle. Payment. It was so nice to delete those two columns off of our monthly budget! Every little bit of debt we eliminate just gets me closer to my goal of staying home.

Pie. It’s what’s for dinner.

// February 18th, 2010 // 2 Comments » // Balance, Budget, Cooking, Time Management

If there is one thing I love even more than saving money, it’s spending money.  No, wait.  That’s not what I meant to say.  Let me try that again:

If there is one thing I love more than saving money, it’s saving time.  Lucky for me, I’ve found a way to do both.  I’ve recently been cooking a lot of freezer meals.  When I cook dinner, I basically make a double recipe and bake one pan and put the other in the freezer.  This means I cook half the days I normally would, and we’re also eating out less because there is almost always something at home to eat (unless I forget to thaw something, which usually results in a Sonic run.  Mmmm….tater tots).

Now, if you do an internet search for freezer cooking, freezer meals, or freezer recipes, you’ll find a lot of resources on once-a-month-cooking (OAMC).  I do not do OAMC for a few reasons:

  1. I do not have a separate freezer and could not fit a month’s worth of food in mine.
  2. I do not have the foresight to come up with a month’s worth of meal ideas before grocery shopping.
  3. I do not want to give up an entire weekend for shopping/cooking, even if it only is one weekend.
  4. No.  Just no.

Now, I know OAMC works for many people, and perhaps one day I’ll change my mind.  But for now, I can’t stand the thought of cooking 30 meals at once.

My freezer cooking usually is about 7 recipes, so two weeks worth of food.  I cook about every other night.  When I cook, we eat one dish and I pop one in the freezer.  The next night is leftovers (maybe two nights).  Then I cook again.  After a week or two, I start pulling things out of the freezer to heat and eat.  So far, it has worked pretty well.

Here’s what we had for dinner last night.  It had the benefit of being easy the first time around AND made an extra to throw in the freezer:

Ham and Cheese Quiche

2 frozen pie crusts
2 c. cubed ham
2 c. shredded cheddar cheese
2 t. dried minced onion
4 eggs
2 c. half and half
salt and pepper (there were measurements, but I just did to taste)

The real recipe called for baking the pie crusts first, but I always think you can skip that step.  I don’t know if that is pie crust crime or not, so do what you want.  It says to line with a double thickness of heavy duty foil, bake at 400 for 5 mins., remove foil, and bake 5 more.  Like I said, do what you wish here.

Okay, so next you layer 1 c. ham, 1 c. cheese, and 1 t. dried minced onion in each crust.  Beat together the eggs, half and half, and salt and pepper.  Pour half over each pie.  Cover one in foil and put it in the freezer.  Mine spills every single time, so be more careful than I am.  Cover the edges of the other with foil (I’m thinking if you skip that pre-bake thing, you can skip this, too, but who knows?) and bake at 400 for 35-40 mins.

A colleague of mine read my post with the Chicken Pot Pie recipe and suggested that I start including pictures of the meals I make, so now I’m going to become one of those people who photograph my food.  Look what you have done to me.  Here is my Ham and Cheese Quiche:

I didn’t exactly measure the cheese.  I had a 2 c. bag of cheese (that I bought on sale and with coupons, of course) and I estimated half the bag for each quiche.  I estimated poorly, and the quiche in the freezer has way more cheese.  I’m looking forward to it.

If there’s a food I love more than cheese, its . . . I got nothin’.  There is no food I love more than cheese.

Now, I realize I’m two for two on recipes about pie for dinner.  I promise that we do not have pie or pie-related meals every night.  Although, if you think about it, that’s not a bad way to go through life.

Worth a thousand words (and way more than $45).

// February 13th, 2010 // 1 Comment » // Budget, Couponing, Money Matters

I went shopping today while Jesse stayed home and played with Grandma and Grandpa.  I read my coupon blogs, gathered up my coupons, made a list, and hit the town.  I went to Homeland, Crest, CVS, and Aldi and I got all this for $45:

Kind of hard to see what all is there, but that’s quite a lot for $45, in my opinion.  Yes, I know there are coupon gurus who probably would have paid less than 23 cents for that, but I’m just a noob.  This pile includes 2 3lb. bags of frozen chicken breast, 3 half gallon jugs of juice, 5 2-liter soft drinks, 4 jars of spaghetti sauce, 3 deodorants (two of them were .18 each), and 7 protein bars (which, regularly priced, would have been $14 by themselves), 6 bags of frozen vegetables (including 2 Steamfresh), kitchen trash bags, bread, 2 packages of tortillas, bananas, pears, blueberries, a package of frozen rolls, oatmeal, salad dressing, and 8 containers of yogurt.

My best deals?  The 18 cent deodorant, 25 cent salad dressing, and FREE oatmeal.

I have now got my oatmeal free so many times that I’m going to be really annoyed when I actually have to pay for it.

Free, free, and free

// February 9th, 2010 // 2 Comments » // Budget, Couponing, Money Matters

I went to the grocery store today to get my free guacamole.  While I was there, I also picked up free oatmeal and a free Japanese noodle dinner to take to school for lunch.  Of course, I still had to pay tax on my groceries, so my total?  Twenty one cents.

Yeah, you heard me.

My favorite part is on the receipt where it says:  “Total Savings:  100%.”  Until today, my best has been 91%.  In fact, the time it told me I saved 50%, I practically felt like I got ripped off.

What’s that you say?  You don’t believe me?
Homeland Receipt 2-9-10

SCORE!

How did I do this?  Well, I read a few blogs that give coupon matchups for local sales.  At this particular store, oatmeal was on sale for $2, guacamole was on sale 2/$4 (and until a month ago, I didn’t know that you don’t HAVE to buy 2 to get the price), and the noodles are 10/$10 (again–you only have to buy 1, so they are really $1).  I had a $1 off coupon for the oatmeal, $1 off of the guacamole, and .50 off the noodles.  This store doubles coupons, so that made all of them free.

Even though this is my biggest percent off total, I have had better bargains.  In fact, at this same store, I basically got paid $1 to take two tubes of toothpaste from them.

I’ll talk more about how to save on groceries and household items and explain how I cut our grocery budget in half (more than half!) later.  For now, I’ll point you to two of the blogs that have helped me out with coupon matchups:  Simple Saving Savvy and Coupon Princess.  There are lots of others, but since these two are local, they have really helped me out a lot.

What’s your biggest grocery success or best bargain?  Where do you look to find great offers?  I’d love for you to share your money saving tips with us.

Got My Mind on My Money

// February 7th, 2010 // No Comments » // Budget, Debt, Money Matters, Saving

When I decided I had to get serious about finding a way to stay home, I knew that I was going to have to find a way to save money and spend less.  I knew I would have to create–gasp–a budget.  Since I hate math (personal motto:  “I’m too pretty for math”) and love to spend, the prospect did not thrill me even a teeny little bit.  However, the thought of returning to work thrills me even less than math, soo . . . enter budgeting.

I didn’t have a clue how to create a budget, because I didn’t have a clue what our spending was like.  When I would go grocery shopping, I’d buy what we needed without much regard to what it cost.  I thought I was probably doing a decent job on grocery spending, because I often bought store brands, and because we don’t buy a lot of junk food.  However, because I didn’t know what we were spending, I had no idea how much money to allot to the grocery category of our budget.  The same was true of pretty much everything else except for a few payments that don’t vary each month.

I also knew that I needed to evaluate some areas in which we could cut back.  Dining out was one area I knew would need some trimming.  My husband and I don’t go out to dinner much–it’s hard to have a romantic dinner while feeding Puffs to a wiggly 1-year-old–but I often “forgot” my lunch at work and “had to” go pick up lunch at one of the fast food places near work.  I knew that I would need to trim the fat, in more ways than one.  Again, though–I didn’t know how much I was spending, so I didn’t know how big an impact that would have on our budget.

I did some research on how to create a budget, and realized that I would need to take a close look at our spending before even attempting to budget our income.  On New Year’s Day, when everyone else was eating black-eyed peas to bring about prosperity, I sat down with printouts of our bank statements for the entire previous year.   I did some searching for a budget planning/expense tracking template and decided to use this one.  With my stack of statements and my laptop, I began entering my expenses for every month of 2009.  Yikes.

It took me two or three days of working on the expenses during Bear’s naps and after bed time.  What I discovered was, um, enlightening?  No–nauseating is more like it.  No WONDER we felt like we were living paycheck to paycheck!  In fact, on average, we spent $9 more than we made every month.  How is that even possible?!

I’m not going to horrify you with all the grisly details of our overspending, but let me just give you a hint with that aforementioned grocery category.  We were spending $750/month on groceries.  There are only 3 people living in this house, and one of us was on a free liquid diet.  Seven.  Hundred.  Fifty.  It seemed impossible.  I knew we were going to have to cut that dramatically, but how?!  I already bought generics and didn’t buy junk food and stuck to a list. Okay, I made a list, but I didn’t stick to it.  But other than that, how could I possibly save more?  Sure, I could use coupons, but every time I’d looked at coupons before, they seemed to be for things I didn’t buy anyway.  Right? (WRONG!  But more on that in another post.)*

If you have not taken the time to evaluate your spending–and I mean really get in and dig deep and look at your expenses–you really should.  Groceries were not the only shocking category.  Some of the “little things” really added up to a lot.  Just being aware of the impact your purchases make on your overall financial picture can help you focus on needs and wants and help you decide what is worth the splurge and what is a waste of money (and an obstacle to your goal).

*Just a note:  After looking at that $750 grocery tab, I budgeted $550 for groceries–still too much, but I couldn’t imagine how I would be able to cut $200 from it.  In just one month of using some money saving strategies that I’ll get into later, I shaved over $400 off of the grocery bill.  In January of 2009, we spent $754 on groceries; this January, we spent $338, and we didn’t change the way we eat, so it wasn’t all ramen noodles and beans.  Last January, we pulled $787 from savings to cover our expenses; this January, we put $720 into savings.  We didn’t get raises, and we didn’t sacrifice and suffer.  I’m actually surprised at how easy it has been to change our financial picture so quickly, and I look forward to sharing my experience and my tips with you.

Saving $400/month on groceries will go a long way toward making up any difference in salary that might occur when I find a way to work-from-home.

What about you?  Do you have any saving success stories?  Any budgeting tips?  I’d love to hear from you–we’re in this together!